23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/XXXX, I received a letter from XXXX XXXX XXXX XXXX, in regards to an overdraft with XXXX XXXX XXXX, XXXX, Kentucky, XXXX, for the amount of {$300.00}, stating that if I pay within 40 days of the initial contact, I could settle for the amount of {$240.00}. I was not able to pay that amount within the time period allotted me, so I had to wait until I received my Tax Refund as my son and I live below poverty guidelines for the State of Kentucky, as I earn low wages. On XX/XX/XXXX, I received a letter from XXXX XXXX XXXX XXXX, that my account was credited the {$300.00}, as I was able to pay the debt off for XXXX XXXX XXXX, and did so over the phone, and the letter states that XXXX XXXX notified their client that the debt was in fact settled and paid off. 

Not long after I paid off the debt with XXXX, I began receiving letters from another collection agency, called United Collection Bureau , INC.,  XXXX XXXX XXXX, XXXX, Ohio, XXXX, demanding I pay {$650.00}, and this letter was also sent on behalf of XXXX XXXX XXXX, but I could settle for {$260.00}. I did not owe XXXX XXXX XXXX anymore money, as XXXX XXXX XXXX closed my checking and savings accounts, due to the overdraft, and sending the initial bill of XXXX to XXXX XXXX. I have received three harassing letters from United Collection Bureau. The last letter was on XX/XX/XXXX. 

Recently I began getting harassed by another XXXX XXXX, XXXX : XXXX XXXX XXXX, XXXX XXXX, XXXX, Ohio, XXXX, stating they are reaching out again, on behalf of XXXX XXXX XXXX, to collect the same amount as United Collection Bureau, {$650.00}, and I have been receiving harassing phone calls from XXXX since last week, from two different numbers : XXXX ( XXXX ) XXXX ; XXXX ( XXXX ) XXXX. They call and try to get me to verify my name, and my address, which I refuse to do. 

So, either XXXX XXXX XXXX has a dishonest employee, that sold my information to these collection agencies, or XXXX XXXX has sold my information. It looks like United Collection Bureau and XXXX are the same company, or UCB decided to sell my information to XXXX. I believe this has been a scheme that either began with XXXX XXXX XXXX or XXXX XXXX. 

I am extremely stressed as an older single mother, XXXX as of XX/XX/XXXX, of a XXXX year old son, we don't have a tremendous amount of money. I do have proof in my other bank account, plus the letter from XXXX XXXX that I paid my debt in full to XXXX XXXX XXXX XX/XX/XXXX. 

Thank you, XXXX XXXX XXXX
Product: Credit card or prepaid card

I opened up a new account at Webster Bank and met the requirements to receive a XXXX prepaid XXXX debit card. I received the debit card in the mail but did not notice that it was valid for only 90 days and would expire at the end of XX/XX/2016. The card does have " good thru XX/XX/16 '' printed on it but I did n't notice that. I 'm not used to gift cards that expire that quickly. The paper that came with the card, which I will attach to this complaint, explains that the card needs to be activated but does not say anything about the card expiring, and then having no funds. Even the back side only states, " PLEASE use before valid thru date imprinted on the card. '' I think it 's unfair that the consequence of not using the card by XX/XX/XXXX was n't made clear on the paperwork that came with the card. If that had been clearly stated on the letter I would have known that I had to use the card within the 90 days or loose all the funds. 

I went into the Webster Bank at XXXX XXXX XXXX in XXXX several weeks ago. The manager was going to check about getting the card replaced. I never heard anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello My name is XXXX XXXX the account : XXXX XXXX XXXX inquiry XX/XX/2022 Should not be a Hard Inquiry. It should be a Soft Inquiry and should be deleted from my Transunion Credit report. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

This XXXXNELNET report is ridiculous. The late remarks starts at Late 90 days without prior late remarks and it is right after a good payment. I need this to be corrected or taken out for inaccuracy.
Product: Student loan

I was not given adequate information from the company regarding a late payment and I feel that I was purposely deceived and alluded regarding the situation. I called the university and the company and did not receive information regarding the continued accruing interest and how to rectify this until yesterday when I demanded an investigation into the matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax did not do a complete thorough investigation as I requested, no proof the information was verified, they sent a computer-generated confirmation. Please verify these are my accounts with the original contracts signed by me, and all accurate payment history, amounts, the opening date on the report, as stated above with complete and accurate information. We can see there were no investigation completed as the XXXX Account has an available credit line of - {$150.00} dollars, how can this be if it is closed, and a charge off?
Product: Debt collection

This complaint is in response to XXXX XXXX response letter documents regarding complaint XXXX sent on XX/XX/XXXX attached where XXXX  pretends that it does not understand the nature of the claim filed where I, XXXX XXXX asserted that 1. I do not owe this debt and do not know who XXXX XXXX is and have never done business with this company. 
2. Requested that XXXX XXXX validates the claim of debt owed. 

However, instead of addressing my above assertion and request of proof of debt owed, XXXX XXXX decided to offer communication sent to me in XXXX and XXXX which were deemed perpetration of fraud since I did not recognize the company by name nor did any business with them. Moreover, XXXX XXXX claims that they purchased the so called debt from XXXX XXXX XXXX. I have no knowledge of XXXX XXXX XXXX and never did any business with such company. I checked today on XXXX XXXX XXXX website, the company does not offer consumer finance and only offers business finance. Thus, XXXX XXXX XXXX could not have offered any consumer finance to XXXX XXXX since XXXX XXXX is an individual consumer. 

XXXX XXXX knows full well that as a debt buyer they claim they are, in order for them to validate a debt purchased from XXXX XXXX XXXX, they need to provide a. Proof of debt assignment from XXXX XXXX XXXX. This does not exist. 
b. The original written debt agreement between XXXX XXXX and XXXX XXXX XXXX with XXXX XXXX 's signature for the debt claimed. This does not exists. 
c. 7 statements and payments made by XXXX XXXX to XXXX XXXX XXXX as required by law. They are none. 

Without presenting any of the above documents, XXXX XXXX claim of debt owed is not valid and must be deleted from my consumer record with TransUnion. It is an act of abusive conduct that XXXX XXXX can maliciously add a debt that they can not prove is owed by me, yet added it to my credit file with TransUnion several years ago and just learned about last month when I ordered and received a copy of my credit report from TransUnion to see what is in the report. 

The US is country of law and the Fair Debt Collection Act must be adhered. It is unethical conduct and unethical business practice for any creditor or debt buyer or collection agency to claim a debt is owed without any legal proof and the consumer and credit reporting agency should somehow trust their word because they say so. 

Creditors, Collection Agencies and Debt Buyers are known to be abusive in their practices and have hurt consumers with no impunity which is why so many laws have been put in the books to curtail the abuses.
Product: Credit card or prepaid card

I applied and obtained a Citibank XXXX XXXX credit card. I saw that there is a cash advance feature on the card which I wanted to use ; however, when I called Citibank 's customer service number I was told that I had to be " verified. '' The agent tried sending me a text message with a code in order to verify me but the Citibank system did not allow her to send the code through. I was asked if the phone number had been recently issued or ported from another carrier, I said no, I had that number for a long time. She then asked for an alternate number, which I ( and most people ) don't have, then she asked for a different account which I felt very uncomfortable providing. I asked to speak with a supervisor and got disconnected yesterday.

I decided to call today to follow up with a supervisor as one of the agents said there was a " risk flag '' on my account. I went through the whole process again and this time I provided an alternate account number from another bank to supervisor XXXX. She still could not verify me despite Citibank having all my personal information and a banking relationship spanning more than 10 years! I even offered to go to a branch to verify my identity and was told the branch would have to call in for verification. She also could not provide me details of the " risk flag '' because I was not verified. Frustrated, I asked to cancel the credit card which she refused to do because I was not verified. I told her I did not want this credit card on my credit report/history and she said that there is nothing she could do until I was verified through a letter in the mail. 

This is unacceptable for the following reasons : 1. If an account is flagged as a risk, wouldn't it be better for the bank to cancel it? Especially if the customer does not want to continue the relationship with the bank? 
2. There has to be a penalty for a bank that does not know its customer or refuses to cross reference known banking information to facilitate knowing its customer. ( i.e. use the long standing retail banking relationship details to identify and verify its customers when available. They use it to cross promote products, why not use the information to facilitate customer service? ).

3. If a customer requests a credit line cancellation it has to be granted whether the customer has been verified or not. Worst case, the customer can re-apply for the credit line. I understand underwriting guidelines for risk management may change, but a customer 's request to cancel the credit line is the customer 's refusal to abide by the new underwriting standards therefore the request needs to be granted immediately.
Product: Student loan

I started employment with the Federal Government in XX/XX/XXXX. I consolidated my student loans with XXXX in XX/XX/XXXX to qualify for the PSLF program and made payments under the qualifying repayment options for the PSLF. In XX/XX/XXXX XXXX took over my XXXX consolidated loans and they have incorrectly calculated my PSLF payments. I have made XXXX qualifying payments from XX/XX/XXXX to XX/XX/XXXX. See attached and new PSLF certification. Given XXXX error and their unwillingness to correct it I filed CFPB complaint XXXX in XX/XX/XXXX. XXXX reviewed the information and increased the number of PSLF-qualifying payments to XXXX. Which is an error. XXXX did not dispute any of the qualifying payments that I have been making since XX/XX/XXXX which total XXXX as of XX/XX/XXXX. The only issue they claimed was that I remitted a partial payment in XX/XX/XXXX, rather than the full monthly installment. This is an error because I made a full payment in XX/XX/XXXX ( I had overpaid and they added the overpayment to the bill ). See attached. CFPB did not give me an opportunity to counter XXXX error and closed my CFPB complaint. The evidence shows that I have made XXXX full payments under a PSLF qualifying repayment option. XXXX did not dispute this and only claimed that their only issue was that I made a partial payment in XX/XX/XXXX. The attached evidence shows that XXXX is mistaken because I made a full payment in XX/XX/XXXX. Given that XXXX does not dispute that since XX/XX/XXXX I have made payments under the qualifying repayment options for the PSLF my payments need to be corrected to XXXX. Please help me correct XXXX mistake in calculating my PSLF qualifying payments.
Product: Money transfer, virtual currency, or money service

I transferred {$1000.00} USD to my bank account, which was verified with them beforehand, today at XXXX XXXX. I then receive an email from them ( Venmo ) saying my account was suspended due to " suspicious activity ''. That amount was sent to me by my boss because of a bonus I received. She told me her preferred method to send money is Venmo, so I gave her my Venmo account. Take into account that this is not a new account, I created it two years ago. Also, this seems to be a communality where Venmo suspends accounts left and right, with some of them having no resolution for even years after their account was suspended. With even thousands and thousands of dollars just frozen in their account for no apparent reason. Please help me investigate this and I hope that this gets resolved soon.
Product: Student loan

I helped my god-daughter XXXX XXXX XXXX XXXX student loans in XXXX of XXXX and XXXX of XXXX. Both student loans listed me as co-signer as stated in the letter dated XX/XX/XXXX, from Discover Bank. The letter listed XXXX XXXX XXXX and XXXX XXXX XXXX. The loan XXXX told me over the phone that amounts are ~ {$64000.00} and ~ {$41000.00}, respectively. XXXX has been paying both loans on time after she graduated and landed a job as a nurse in Texas. After talking to her and her mother, we decided that she can take care of them on her own. Therefore, I contacted Discover and they have been making me goes round and round without any specific. I asked for additional info such as the terms of the loans and the answers are that they can not give it to me because I am a co-signer not the applicant. A loan specialist would ask to call a loan consolidation specialist but don't have a phone number to give. Then, I started googling and found CFPB.
Product: Checking or savings account

Since early XXXX, I have had 2 transactions from a Wells Fargo Savings account listed as " OVERDRAFT PROTECTION XFER TO CHECKING '' but there are several fishy details. They can be seen listed on the screen capture below, one taking place on XX/XX/24 and the next at XX/XX/24 XXXX. No overdrafts have taken place, nothing was purchased on either date, and the bank is unable to detail which transactions prompted this charge.

2. The money was not moved into any other account that I owned.

3. There is no receiving account # listed in the the transfer note, which should be there according to bank staff.

4. Each of the 3 times I have called to the bank, they state they are starting an investigation, but I have received no follow-up at all, and each new call they act like there is no open investigation happening.

I am concerned that WF has created some sort of ghost account for me or somehow allowed someone else 's checking to be tied to my savings. Or they might just be stealing from me and hoping I don't notice, since no one can figure out where the money is going to.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 XXXX/QUICKEN LOANS INC made an unsolicited Hard Inquiry into my credit report. I was alerted via XXXX XXXX XXXX and verified that the inquiry appears on my XXXX  credit report. 

On XX/XX/XXXX I called XXXX and was informed they have no record of the inquiry. I also called Quicken Loans and was informed they have no record either. 
Quicken Loans informed me I should call XXXX and have it removed. I called XXXX, and they stated that Quicken Loans would need to send a letter retracting the inquiry. 

On XX/XX/XXXX I called Quicken Loans and was connected with XXXX XXXX, who said she would investigate the issue. She also found no record of the request. 

On XX/XX/XXXX I emailed XXXX XXXX from Quicken Loans and she stated " We would not be able to remove this inquiry as we have no record of the credit pull. The team member that you spoke with prior to me also stated that we do not have record of that credit pull. If we do not have record of the pull, we are unable to send a letter. We would have to provide them a credit report number and a loan number to request removal. We do not have either or any other information for you in our system. '' On XX/XX/XXXX I replied and stated that I would be reporting this issue to CFPB.
Product: Money transfer, virtual currency, or money service

On XX/XX/20 {$33000.00} was wired from my bank, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX to Chase Bank XXXX XXXX XXXX XXXX NY Account No. XXXX Routing No XXXX. This was for the purchase of a RV purchased thru XXXX XXXX This sale turned out to be a scam so we contacted our local police and the FBI and currently there is an investigation in progress. The investigators are trying to obtain information from the banks in regards to this transaction so that the scammers can be caught.
Product: Debt collection

I recently found out today as of XX/XX/XXXX that I had a negative hit on my credit stating that I owed money as of XX/XX/XXXX to XXXX XXXX XXXX through Aspen Debt Collection. I was never properly notified of any such debt and I was incarcerated since XX/XX/XXXX of XXXX. I have been an XXXX  with XXXX as from then until XX/XX/XXXX of XXXX. I am still a XXXX  client within XXXX ( XXXX ). Whatever the situation there was no possible way that I could have still been legally on any lease as I have not signed a contract in the nearly XXXX years that I have been XXXX. Not to mention, as I have already stated earlier, I was never even properly notified to dispute the claim. They are hurting my credit score with a fraudulent claim.
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you XXXX have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Consumer Loan

my loan through  American first finance  who I did n't know was a long provider has not given me the contract is alone nor have they provided me account number axis to any of my nation I initially got them from the furniture store without even realizing who the buyer was going to be I just recall been approved for {$3000.00} I have since paid {$2400.00} into this loan and come to find out I owed {$3200.00} still because I 've only paid in interest which is right seems pretty illegal to do to me I have no information regarding this well at all I want to resolve this issue I want is taking off then I called in and asked for the pay off in my pale keeps increasing making it impossible for me to pay it off I need help resolving this issue and getting it off my credit report is settling this debt that I no longer care to have this is an unsecured debt according to my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with TransUnion and XXXX, I do not want my account to read " charge off '', the debt was sold to a credit collection company and I paid in full! I want it to only say paid in full not " charge off '', it hurts my score and when I apply for other cards. I also had both companies on my report. XXXX I paid in full. I asked my 2 credit card companies to remove the words " charge off '' it was paid in full!
Product: Credit reporting, credit repair services, or other personal consumer reports

There are  XXXX  wide ranges of credit worthiness, with Transunion varying almost  XXXX  points.  XXXX  shows "  Good '' while Transunion shows " Fair  '', dispite both having the same information. My derogatory credit goes back as far as  XXXX . I have disputed every derogatory remark, with results of removal from record. However they still posted on report.     Here is where the conflict occurs. My credit history has been resto red after over 8 years, yet credit history report reflect  s 4  yrs. and 10 months. Why are negative reports going back to  XXXX  still showing after ov er 20  yrs.!?     Any inquiries that have been resolved and proven paid, still show on payment records.     XXXX   XXXX   XXXX   XXXX  :  XXXX  incurred, paid in  XXXX . Finally acknowledged and disputed in  XXXX  and determined paid, only after requesting  XXXX  send paid verification back in  XXXX ?    XXXX   XXXX  : Initially with   XXXX   XXXX  , then sold to  XXXX , Settled with Deed in Lieu, sol d 2 m ore times to other companies, each time moving time of incurrsion at the date of transfer to other company ( ie.  XXXX ,  XXXX   XXXX   ).      This Debts all " removed ' and inquiry completed and removed with {$0.00} liability. Yet negative reports go as far back as  XXXX ?
Product: Credit reporting, credit repair services, or other personal consumer reports

THE FOLLOWING ACCOUNTS LISTED BELOW ARE INACCURATE AND MUST BE DELETED FROM MY CREDIT REPORT. 

XXXX XXXXXXXX The monthly payment on this account is inaccurate. XXXX is reporting - as the monthly payment and Equifax is reporting - and XXXX is reporting {$0.00}. The last date of activity is also inaccurate. XXXX is reporting XX/XX/XXXX as the last date of activity and Equifax is reporting XX/XX/XXXX and XXXX is reporting XX/XX/XXXX. The No. of Months ( terms ) on this account is also inaccurate. XXXX is reporting 60 Months and Equifax is reporting Monthly ( due every month ) and XXXX is reporting Monthly PLEASE DELETE AND REMOVE IT FROM MY REPORT
Product: Debt collection

This Collection Agency keeps sending me and my family members bills that have already paid 2 years ago. I try calling and no live person is ever available to speak with and there website is not active.
Product: Credit reporting or other personal consumer reports

I am formally contesting and requesting the expeditious removal of fraudulent accounts from my credit report. This dispute stems from a case of identity theft, for which I have filed a formal report with the Federal Trade Commission. Furthermore, I have engaged with the bank associated with the fraudulent accounts. The banks have acknowledged the legitimacy of the identity theft report and have identified a potential system glitch that has impeded access to the records. They have assured me of the prompt removal of the fraudulent accounts, which have erroneously remained on my report for over XXXX years. However, these fraudulent accounts persist on my report under your bureau, and I am curious about the verification process you have undertaken. XXXX and XXXX credit bureaus have ceased reporting this fraudulent accounts since the submission of the requisite documents. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

XX/XX/XXXX my account was hacked. Due to this I changed my telephone number and my passcodes on everything. Robinhood locked my account. I have emailed them numerous times. I updated my phone number with Robinhood and verify it was me. Called numerous times. Their system called you back but I never get the call. I have even went through XXXX XXXX XXXX  with no luck of resolving this situation. The hacker sold all my stock and but it into Crypto. Robinhood has stopped them from stealing any thing but I want my money out