23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

XXXX : XXXX University, XXXX, NC. 
XXXX XXXX gave me a predictably uncollectible loans at the age of XXXX. I had no credit history to speak of, no collateral, and XXXX of debt was taken out in my name - without my consent over the years XX/XX/XXXX-XX/XX/XXXX. I no longer can pay. XXXX calls me multiple times a day and they just called the crisis line at my work which i happened to be on to receive their call. This constitutes calling a third party line as it was just by chance I was working the crisis line. My coworkers often are staffed on this line and if they continue to call they will be contacting my coworkers about me. They also did not obtain this crisis line number from me. It is also highly inappropriate to call a crisis line used for mental health emergencies to collect debt.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, NY XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act ( Capital One account # XXXX ), has violated several of my rights. 
15 U.S.C 1681 section 602 A. Clearly states that I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 
Remove these late payments and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, XXXX ACCOUNT IS A FRAUDULENT ACCOUNT, THIS ACCOUNT WAS NEVER OPENED BY ME, NEVER AUTHORIZED BY ME TO BE OPENED. IN FACT I DON'T HAVE ANY CREDIT CARDS, I DON'T UTILIZE MY CREDIT.
Product: Credit card or prepaid card

On XX/XX/XXXX, Apple/Goldman Sachs restricted my Apple Card account. I contacted Apple Card Support via Goldman Sachs. The representative told me that my account is under review and that someone will get back to me, but no timeframe is available. However, I did not even start using the card yet. I had just gotten approved for it 2 days prior. There are absolutely no transactions to be reviewed. I was also never given a reason for the review. I can't even start using my Apple Card until it is unrestricted.
Product: Student loan

XXXXXXXX XXXX were transferred from XXXX to Mohela in XX/XX/XXXX. Was initially told not to resubmit XXXX paperwork. Then told to submit so I did. Submitted paperwork with no updates and numbers constantly at XXXX XXXX. In XXXX, rebsubmitted XXXX forms as I believed payments to be at XXXX. Since then, was told there was an error with the form. I called and confirmed there was no error. They said they were re-processing. Every time I call, they say the same. XXXX called and spoke to someone who said there are " mistakes '' and they'd transfer me to supervisor. Next person said not a supervisor and repeated they would re-process the forms. I said transfer me to supervisor. Waited on hold over an XXXX XXXX  XXXX XXXX with no transfer. 
My payments are at XXXX and are missing XXXX Payments should be over XXXX. I have XXXX PSLF forms : XXXX ) XXXX ( understand program started in XXXX ), and XXXX ) XXXX XXXX. I have submitted both forms each time. There is a gap in my employment which is why there are XXXX forms. It is outrageous that nothing has been done and all a representative can say is they will submit the form to be re-processed each time I call.
Product: Credit card or prepaid card

I asked the company to give me a payoff quote ( without interest ). I was told that I am not paying interest. Also, there is no grace period on the payment due which automatically charges a late fee of {$40.00}. I asked to change the due date and was told that I would have to process an ACH on the due date ( which could cause me an NSF Fee ) in order to change my due date. They have received 6 late fees total plus interest. The rep says that a machine answers the phone and it is possible that i won't speak with a representative and will be on hold or hung up on. Or I will get put back into the que.
Product: Debt collection

On XX/XX/19 around XXXX XXXX Pacific time, a lady called my place of work and asked for me by my full name, which is unusual in my line of worker. So my coworker asked where she was calling from and she hesitated but before saying Audit and Adjustment Company. My coworker put her on hold to let me know and we both were confused. Before I could pick up the call, the woman had hung up. I told my coworker I have no clue who that was or what that company is. My coworker decided to XXXX it and discovered it was a debt collector. This was an extreme embarrassment for me and now that info is already spreading amongst my office whispering about me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XX/XX/2019 I was preapproved for a Victorias Secret credit card I applied and then I received a letter in the mail saying my application was denied because my information didnt match what they had on file so I left it alone but then they started sending me bank statements in the mail and I dont see why if they denied my application, also I purchased items but never received them I also did a dispute with them about that but still havent heard anything
Product: Debt collection

I called RS Clark & Associates on XX/XX/2021 to resolve my debt. Before I was able to fully explore my options, the Rep cut me off and let me know that I wasn't able to settle my debt. When looking into a payment arrangement, I was advised that at no point prior to paying would I get documentation for proof of an agreement. Ultimately, the conversation escalated and the CSR said, " well you could just not pay it like you've been doing and let it fall off. '' and " it's not my fault you don't pay your bills ''. Eventually, she hung up on me. 

I called back, and the same rep answered with an attitude. She then transferred me to someone else with the same sentiments. Very rude, and chastised me for having date, and hung it over my head by mentioning that " i'm calling because i obviously need a house, car, etc '' Both were inconsistent with the result of what would happen after I paid. The first advised that if I paid in full, it would be removed. The second one said " we don't do removals. Once you pay, it will show paid in full ''
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash-app ( Block, Inc. ) due to inadequate customer service and unfair practices which violate the customers financial protection act ( CFPA ) cash app fail to take timely and effective measures to prevent and address fraud on their platform leaving my account vulnerable and unprotected their dispute resolution process was unfair and deceptive as they did not comply with ERROR resolution requirements under the electronic fund transfer act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error. 

Late Open : XXXX XXXX XXXXXXXX {$0.00} XXXX XXXXXXXX {$520.00} XXXX XXXX {$1400.00} XXXX XXXX  XXXX {$0.00} New Added Late Open : XXXX XXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602  A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has left my report unfroze for 30 days after request to only unfreeze for 24hours. They have also reverted back to my old address of home I sold 2 years ago. This has caused problems for me. They claim I can not get a credit report sent to address used to verify me upon calling them, because THEY show me at old address ... .UNLESS I agree to sign up for their {$9.00} a month membership. So even though Social security and ID and me show new address, and they have sent report to new adress before ( within last year ) They can only send my report now to old address! ( Unless I agree to membership! ) ( **I will NEVER pay a bank to find their own accounting error nor pay a credit bureau to fix misinformation they created and can not show was NOT their mistake or where info came from or why it has been changed and I was not notified. 
I notified them of error and they want me to pay for notifications to fix!?? ) Where my Identity was stolen buy neighbor 2 doors down who resently was release from prison and cost me {$310000.00}. Along with mental heath. I have had to fight medicare for enrolling me in 2 states and adding penalties for not being covered because of this and have now been getting notifications of SSDI payments being handled and recieved by XXXX ( a spoof ) along with lenders and credit card offers in excess of 12 spams a day. But was I told how to prove my ID To fix problem? No! I was told I had to join their service to fix their misinformation or wait at least 30 days for a credit report to check other possible risks or damages caused by their unapproved advertising of my info and unapproved choice of going back to old address. That sounds like blackmail to me! Give them {$9.00} a month or they will mail my info to wrong address so it can be stolen again!?! Or wait 30 days and allow breeches time to bloom and take my chances for being cheap!? I am not hard to identify. For reasons I will leave off this for privacy. So I feel this is a deliberate act from Equifax to profit from me
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I received a collection letter rom this company on XX/XX/2021. It is dated XX/XX/2021 regarding an alleged obligation. I responded the same day via certified mail, fax, and regular mail to the XXXX XXXX XXXX on the deceptive form I am the consumer pursuant to 15 U.S.C. 1692a ( 3 ) and the creditor pursuant to 15 U.S.C. 1692a ( 4 ) because I extended my credit to create the debt Credit Collection Services is attempting to collect. The debt is already paid. I am aware that both Credit Collection Services and XXXX XXXX XXXX XXXX XXXX XXXX are debt collectors pursuant to 15 U.S.C. 1692a ( 6 ). Although XXXX has refused to acknowledge this fact numerous times. XXXX is NOT the creditor pursuant to 15 U.S.C. 1692a ( 4 ), such term does not include any person to the extent that he receives an assignment or transfer of a debt in default solely for the purpose of facilitating collection of such debt for another.. The claim is disputed. I had to take precious time out of my day that I can not get back to address this frivolous attempt to defraud me. It is abusive and constitutes harassment. I never gave this company my direct consent to even communicate with me. Nor did I provide my private location information to my place of abode. Mail fraud has occurred. Pursuant to 18 U.S. Code 1341 and 18 U.S. Code 1342. I am a natural person and my consumer rights have been violated.
Product: Money transfer, virtual currency, or money service

There are three transactions that person asked me to pay them by XXXX for documents to apply business grants. And after I paid that, I never heard back from the status of the process. I did report the claims, report to XXXX and chase, I call in chase this morning and they said they wont responsible about any transactions that thru XXXX. 

The transactions are the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

This company has been on my credit report since XXXX. I hadn't checked my report in many many years and I had seen that some credit cards were open in my name. This being one of them I was XXXX when this credit card was open. I was not my financial guardian. I've sent proof to this company and they keep keeping it on my credit report and putting the year that it will fall out further and further the original date that this was open was something like XXXX and now it's saying on my credit report that it's gon na be there untill XXXX. I don't see how that is legal. This is not my debt. I've shown proof and they will not remove it.
Product: Student loan

I have loans with them going back to 2002. I've been making payments for at least 15 to 20 years, yet it hasn't made a dent in the balance owed. Last time I checked, it said that I still had 240 payments left. I had a total of $ XXXX in loans. At {$300.00} per month for 240 months, that would be another $ XXXX on top of what ever I paid already. Their collection practices are aggressive and they're destroying my credit. I get calls constantly on the phone, emails and letters sent to my house.This is got to stop. My complaint is the same complaint that everyone else is making. I need them to provide a full understanding of my loan and repayment policy to fully understand what I'm paying. A student loan should not be like a mortgage.I don't understand what I'm paying for anymore. I had a small student loan with XXXX. It's paid off and never had issues like this. It was straight forward and easy to understand what my payment was and how it would be paid off. 

I would like them to provide the full amount I paid so far and see how they have been applying it to my principal. If there are errors, then they need to correct it. Also, clean up the mess they did to my credit.
Product: Debt collection

An operator in this office by the name of XXXX XXXX ( ext XXXX ) contacted a family member of mine on Thursday, XX/XX/XXXX and proceeded to provide said family member with detailed information regarding my account. Said family member was only asked to verify my date of birth ( call is recorded ) and the employee proceeded to disclose private information such as the amount of debt owed, my personal information, dates and payment arraignment options. I am not a minor and have no additional cosigners on this account. The family member in question was my mother, her English is limited and she suffers from mental illness. This operator took complete advantage of her limitations on this call. 

On XX/XX/XXXX I contacted XXXX XXXX at extension XXXX in the office and provided him with my name, social security number, date of birth and mailing address. I then proceeded to ask why the above verifying factors were not implemented when he had spoken to my family member the previous day and he placed me on hold for 20 minutes. I waited for him to return to the phone and expressed my concern for how this office is handling my private information. His tone became aggressive and that is when I asked to speak to his direct supervisor. He refused to transfer me to a supervisor. I called back and was routed to a supervisor by the receptionist. 

The above mentioned supervisor insisted he return my call and I have yet to hear back from him. On XX/XX/XXXX I attempted to contact the office supervisor and left numerous messages for him to return my call. Once I realized I was being avoided I contacted XXXX XXXX, the offices legal counsel and was told she would get back to me this week. 

My mother suffered a nervous breakdown following this call due to her mental issues. This caused me grief and much embarrassment. I am XXXX years old and am protected under federal law for my private information not be disclosed to anyone other than I or an attorney representing me. I would like this office reported so this doesn't happen to anyone ever again.
Product: Student loan

the constant mismanagement of student loan debt. I have had XXXX, XXXX XXXX among with others and now passed on to them who are doing the same XXXX
Product: Prepaid card

Same company Netspend corporation. Refused to send to correct address will not give me details on account or checks. Provided correct info was advised to go to account login and unable to access information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a credit card through Value City Furniture/Synchrony Bank for the purchase of a couch. I made my monthly payments on time and have owed a XXXX balance on this card for SEVERAL months prior to receiving a letter on XX/XX/2021 from Synchrony Bank stating they decided to close my card due to reasons that do not apply to me. I haven't owed them, I paid on time and yet months later they ran a credit score on me and made the decision to close my card based on my score being XXXX ( which their documentation states XXXX is within range ). So they damaged my credit score further by this decision. I want that corrected. Customer service told me today when contacting them " no one will ever be able to fix the error, the business decision was made based on the details in the letter, I can not help you ''.

This is BAD business to damage my credit when I was paid in full and on time with this bank. There seems to be no one to contact within the bank that made that decision to appeal or discuss this with, also BAD business. 
I recently was diagnosed with stage XXXX XXXX XXXX and owe approx. XXXX in medical bills. Other than that I pay my bills on time so why can a bank take from your credit but not repair a problem or points back when a consumer doesn't warrant the bad credit mark? Who can I report Synchrony Bank to for making this decision and damaging my credit score when I was paid in full with XXXX balance?
Product: Credit reporting or other personal consumer reports

discover bank, balance is XXXX. this debt was settled XXXX XXXX collections. this account is fradulent. 
XXXX XXXX inquiry was not authorized by me. 
XXXX inquiry was not authorized by me. 
XXXX XXXX inquiry was not authorized by me. 
XXXX XXXX inquiry was not authorized by me. 
XXXX XXXX inquiry was not authorized by me. 
XXXX XXXX inquiry was not authorized by me. 
XXXX XXXX debt has been paid in full and settled. XX/XX/2023 XXXX inquiry was not authorized by me. 
XXXX XXXX credit inquiry was not authorized by me. 
XXXX XXXX inquiry was not authorized by me.
Product: Checking or savings account

My daughter and I have some joint accounts. On XX/XX/XXXX my daughter unknowingly deposited a fraudulent check. All of our accounts including savings were immediately blocked by citibanks fraud unit. Repeated phone calls by me and my daughter and visits to two branches have not resolved the issue. Citibank did not give the option to simply dishonor the check rather they chose to block our accounts. Representatives in the banks fraud unit were rude to me and to my daughter. My daughter and I are blocked from approximately XXXX in savings and my daughter can not access her checking account that has payroll deposits. No option was given to open new accounts. I am a retired Citibank employee and have had a banking relationship since XXXX. Why is the bank penalizing us for a bad check that was given to my daughter. She did not write the bad check nor overdraw her account. This has been a total nightmare for us and I should mention we are considered citigold clients. I need the immediate release of our savings and my daughters checking account.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent INOUIRIES from my credit report. 
XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.