23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

After reviewing the qualifications on studentaid.gov, I applied for the XXXX XXXX on XX/XX/XXXX. My family size is XXXX, my AGI from my 2022 XXXX XXXX is {$25000.00}, and I have qualifying loans. My application via Studentaid.gov was received and then sent to my servicer, Mohela. On XX/XX/XXXX, Mohela sent an electronic letter indicating it was unable to XXXX my request for an XXXX due to the following vague rationale " - Based on your Adjusted Gross Income, family size and outstanding eligible federal student loan debt, you do not qualify for the repayment plan you requested. '' Mohela did not collect any information from me to verify this information and I have been unable to reach Mohela via telephone to inquire into this issue and have Mohela process the request to be moved to the XXXX XXXX. I understand Mohela is likely struggling to process student loan information given the recent restart ; however, Mohela did not take any steps to collect information from me in order to process my XXXX Plan request, a payment plan I qualify for. I also suspect Mohela is incentivized to deny otherwise qualifying requests like this given their low margin business model and the extra administrative burdens required to process these requests. I am disappointed in Mohela 's efforts but hope to expeditiously resolve this issue. Kind Regards, XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It seems I have an account with XXXX XXXX XXXX for an auto loan which I was the victim of predatory lending practices. I had just purchased a Truck and had financing with XXXX XXXX XXXX at the same time it seems I was also approved by XXXX XXXX for a second vehicle loan the dealership knew there was no way I could afford two loans at one time yet went ahead with the second one anyway, I did not keep the second vehicle and made arrangements to have it picked up by XXXX XXXX in which they did in XX/XX/XXXX yet they are still reporting it now in XX/XX/XXXX, I can not get into a home with this still on my credit report and as a XXXX Veteran face possible homelessness.
Product: Credit reporting or other personal consumer reports

Names incorrect : XXXX XXXX XXXX XXXX XXXX NAME COORRECT : XXXX XXXX XXXX Address incorrect : XXXX XXXX XXXX XXXX, XXXX XXXX ADDRESS CORRECT : XXXXXXXX XXXX XXXXXXXX XXXX # XXXX XXXXXXXX XXXX XXXX Unauthorized inquiry XXXX XXXX XXXX XXXXXXXX Date of inquiry : XXXX Delete!! 

Unauthorized inquiry XXXX XXXX XXXX  XXXX XXXX of inquity : XXXX Delete!! 

Unauthorized inquiry XXXX XXXX XXXX  Date of inquity : XXXX Delete!!
Product: Credit card or prepaid card

I have literally for XXXX years been dealing with US Bank regarding a charge with XXXX. They sent me XXXX TVs, back in XXXX of 2021. I contacted XXXX letting them know about it, and they told me just to keep the TV. Then I realized I was charged for it. I contacted XXXX about the charge and they said we will make not of it, just let you credit card company know US Bank, that you'll be disputing the charge. Apparently the associate gave me the wrong information and should have told me to send it back. Which is irrelevant. I actually still have the extra TV that I only took out the box for space, that is still in the plastic and has never been used. US Bank sends me a letter saying they can't help me when I've been getting the run-around from them and XXXX for XXXX years and I spend thousands of dollars at XXXX. Next we have this horrific fraudulent rental car company called XXXX XXXX XXXX that has illegally charged at least XXXX of my credit cards {$270.00} when I have prepaid for the rentals. This is literally fraud and they know it and should be criminally charged. Because they did so without my authorization, saying it was just for a hold when I've prepaid all of the rentals. US Bank, just denied to handle the dispute while my credit card continues to be reported late, assessed late fees and more. I am so sick of these companies behaving like loan sharks. And here 's the kicker, every time I speak to anyone, whether it is US Bank, or XXXX XXXX XXXX, I've recorded the call or transaction EVERY, SINGLE, TIME. So the evidence and proof that I have is indisputable. The worst part is that I am someone with a XXXX XXXX XXXX XXXX and it takes so much to have to go back and forth and deal with these people. But, guess what? Now I'm taking my power back and reporting all of these companies that are behaving like it's the wild wild west. And that's the very reason I record everything, so you can't sit there and lie. And now, I will be taking each and every XXXX of them to court if need be. I have an XXXX, I've worked for the XXXX XXXX XXXX and the XXXX. And I'm about to work for the XXXX as a federal agent. So if they think that they can simply take my money, and allow fraudulent charges to remain without doing a proper investigation. I will sue you and see you in court. The can all join the XXXX XXXX  XXXX XXXX XXXX. I'm over it.
Product: Checking or savings account

This is the second time I'm opening a complaint about the same problem, previous complaint XXXX. It has been 2 months since Citibank blocked my account for no reason and returned all my automatic debits and disappeared with a transfer of {$1000.00}. Now I am being charged for the fees and fines caused by an error that the bank has already acknowledged and assumed but which has not yet complied with the agreement. I am contacting the bank but they do not respond to my emails and my account is still negative.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them from all 3 credit monitoring agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXXXXXX. 
Account Number : XXXX This is not mine. 

3. Identity Theft CAP1/NEIMN Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX Account Number : XXXX This is not mine. 

8. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXXXXXX Balance : {$12000.00} XXXX  XXXX XXXX Balance : {$2100.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX/XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$6200.00} XXXX/XXXX  XXXX Balance : {$0.00}
Product: Money transfer, virtual currency, or money service

A Cashier 's check was presented to us at XXXX XXXX XXXX for a tenant move in. The cashier 's check was dated XXXX for {$1400.00} from Wells Fargo Bank. The tenant later changed their mind and wanted a refund. We refunded her money because she had paid with a cashier 's check. On XXXX Wells Fargo stopped payment on their cashier 's check. 
We contacted Wells Fargo XXXX case number XXXX and they stated this was a matter between us and their customer. 
I understood a cashier 's check is final. Thats why it's used for closings, move ins etc. I did not believe a stop payment could be done on a cashier 's check. 
XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. 
The List of accounts ON MY FTC REPORT has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 section 602 A 15 U.S.C 1681 Section 604 A Section 2 15 U.S.C 1681c. ( a ) ( 5 ) 15 U.S.C. 1681s-2 ( A ) ( XXXX ) EQUIFAX, XXXX, AND XXXX USES XXXX OFFSHORE CALL CENTERS TO HANDLE CUSTOMERS XXXX AND PRIVATE INFORMATION WHICH IS TREASON AND ILLEGAL. 
THIS IS WHAT CAUSES HACKING AND DATA BREACHES. 
THEY ARE A THREAT TO THE AMERICAN REPUBLIC ASSETS!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is erroneously reporting my address as XXXX XXXX XXXX XXXX. It is XXXX XXXX XXXX XXXX. 

XXXX XXXXr is NOT my account XXXX XXXX is an open account ( not closed as being reported in their files ).
Product: Credit reporting or other personal consumer reports

I am in disagreement with the items listed below which still appear on my credit report. I would like these items immediately investigated. These inaccuracies are highly injurious to my credit rating. Update and remove all address on my file that are not current. ASAP. As well as all the negative accounts that do not belong to myself listed below. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX ( Never Lived There ) XXXX XXXX XXXX XXXX, GA XXXX ( Never Lived There ) XXXX : XXXX Date Opened : XX/XX/XXXX I am victim of identity theft and have never owned this account. 
XXXX XXXX : XXXX Date Opened : XX/XX/XXXX I am victim of identity theft and have never owned this account. 
XXXX : XXXX Date Opened : XX/XX/XXXX ( Never Late ) I dispute the missed payments and late payments on this account please provide statements and records of all payments made and missed since i opened this account. Also mail me proof of your investigation and proof of negative payment status for this account or delete the negative information in this account. 
XXXX : XXXX Date Opened : XX/XX/XXXX ( Never Late ) I dispute the missed payments and late payments on this account please provide statements and records of all payments made and missed since i opened this account. Also mail me proof of your investigation and proof of negative payment status for this account or delete the negative information in this account. 
XXXX XXXX XXXX : XXXX Date Opened : XX/XX/XXXX ( Never Late ) I dispute the missed payments and late payments on this account please provide statements and records of all payments made and missed since i opened this account. Also mail me proof of your investigation and proof of negative payment status for this account or delete the negative information in this account. 
XXXX XXXX : XXXX Date Opened : XX/XX/XXXX I am victim of identity theft and have never owned this account. 
Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. 
Please forward me an updated credit report after you have completed your Investigation and corrections. 
Your cooperation and prompt attention are greatly appreciated. Sincerely yours, XXXX XXXX
Product: Credit card or prepaid card

This issue is a problems with my Barclays Jetblue credit card. I made a XXXX XXXX purchase in XXXX. The purchase was cancelled and XXXX XXXX has confirmed a refund to my credit card of {$4200.00} however, the credit does not appear anywhere on my account. 

I have made multiple attempts to dispute the charge and I have been given multiple and conflicting answers as to why the credit does not appear on my account. The first dispute I made. I received a letter that Barclays ' own investigation verified the refund but no one could show me where it appeared on my statement. They pointed to other XXXX XXXX credits but I explained there were two charges that were refunded. One refund is reflected but the other was not. 

I filed a complaint with the XXXX and was contacted by the office of the president once. I spoke with XXXX XXXX and she acknowledged that she could clearly see that I only got refunded for one charge but not the other charge. She stated she would contact the dispute department and would help but since then, I have received multiple letters staring that the dispute was not found in my favor. I called the office of the president 3 times to speak with XXXX XXXX, the person I spoke to, and she has never returned my call.
Product: Checking or savings account

I can not use many of their features correctly nor can I link my account to anything.
Product: Credit reporting or other personal consumer reports

I hope this email finds you well. Despite our prior correspondence and my persistent efforts, it appears that the issue has not yet been resolved. 

As I have emphasized before, the presence of late open account on my credit file is causing significant distress and negatively impacting my financial standing. It is crucial that we take immediate action to rectify this situation and ensure the accuracy and integrity of my credit report. 

I kindly request that you escalate this matter and undertake all necessary steps to correct the late open account in my credit file. Transparent communication regarding the progress made and the actions being taken to address this issue would be greatly appreciated. XXXX XXXX XXXXXXXX Balance : XXXX - I demand immediate confirmation of the payment history and status of this account. Your records are not consistent with my own and I believe that the information being reported is inaccurate. I have always made my payments on time and have not been late on this account. I demand a thorough investigation and prompt correction or removal of these errors to ensure legal and lawful accuracy.
Product: Checking or savings account

They refuse to open up My business account bc they were not trained to look for certain documents that I used at XXXX, XXXX, XXXX, and XXXX They told me But I didnt have the right documentation that the 5 biggest banks let me use to open a business account. 
I XXXX year business owner it has been opening up business accounts since 2001 with some green peas that dont even know what a documentation looks like and they had the audacity to kick me out of their bank because I told them that they werent knowledgeable in their profession.
Product: Checking or savings account

Date of issue : XXXX XXXX Amount : {$540.00} I contacted chime for a month about an unauthorized transaction. I provided them with all the necessary documents they requested. I followed up everyday. No help once so ever. I told them that I wouldnt be able to get my fianc to work or myself. Rent would be late so I would more than likely face eviction. I got nowhere w CHIME so I contacted my local news station. He contacted chime on my behalf. They all of a sudden found the error, refunded my money but it was too late. I couldnt get to work or my fianc bc of the transaction. Chime was very rude and did not care or try to help. They informed me that I needed to basically do my own investigation to find out what happened. If this can not be resolved I will be suing for monetary damage, along w emotional distress. I got behind on rent bc we lost our jobs. I have XXXX small children.
Product: Money transfer, virtual currency, or money service

My name is XXXX XXXX. On the XXXX, I sent money through this organization ( remitly ) and then canceled the transaction and since then the money had not refunded to me despite several attempt to get the money refunded. The money was in the amount of {$100.00} and the transfer fee of {$4.00}. I was asked to contact my bank with a ref number which I did, and it was confirmed that the money had not been refunded. I even put a representative of remitly on the phone with my bank to confirm that the money had not been refunded, yet nothing happened. I had made several phone calls to Remitly and nothing happened. The name of the recipient was XXXX XXXX XXXX in XXXX XXXX. 
Thanks XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I sent by certified mail a letter of dispute and all documents to disoute Name, address, and empolyer to Transunion because they were incorrect. I have specified in previous statements and submitted documentation before that I have only XXXX name that I go by due to the several breaches and names used against me that were not mine. I received letter stating that my information was out of date and they were all current bills. I have not been able to speak to anyone from XXXX  as if they have me on a blocked list to speak to someone in the dispute department my options are limited and when I say speak to someone in dispute department the phone hangs up. This happened to me last year along with XXXX  locking and blocking me from my own account in which I had to get CFPB involved and all of sudden my account was unblocked.
Product: Mortgage

I requested from Nationstar mortg a final accounting of my account after the loan was paid off in full through a third party title/escrow company after selling the home. I received a refund check labeled payoff overages, but they refuse to sent any breakdown of accounting of the final numbers and fees charged.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint for the company PORTFOLIO RECOVERY ASSOCIATES located at address XXXX XXXX XXXX, XXXX XXXX XXXX, VA XXXX knowingly reporting inaccurate data. XXXX XXXX credit report is negatively affected by these penalties, this looks SUSPICIOUS AND VERY DECEPTIVE. I Demand proof TO SEE VALID AUTHORIZATION and Proof of the Alleged debt of PORTFOLIO RECOVERY ASSOCIATES. Reporting without verification and proper disclosure requirements are in direct violation of the Consumer Rights FRCA Section 623, Section 611, and Section 605b of the FCRA. FTC 809, FTC 806, FTC 809, FTC 812 and 15 U.S.Code 6802. I XXXX XXXX legally requested a description of all the details of the verification process used for the validity of this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these Federal Regulations by the FTC U.S. C41, et esq I AM MAINTAINING A CAREFUL RECORD ALL COMMUNICATION WITH YOUR COMPANY.
Product: Checking or savings account

I used the Capital One mobile application to find an ATM near my house on XX/XX/2019. 
The app pointed me to an ATM at the XXXX at XXXX XXXX XXXX, XXXX, VA. 
But when I used the ATM, I was charged {$3.00} in fees by the ATM and then another {$2.00} by Capital One - for an ATM that the Capital One app. directed me to. 
I've spoken with customer service and was told that because my account is " not a XX/XX/XXXX account '' I am liable for the fees. This particular account was originally an account with XXXX XXXX but was ported over to Capital One as part of the merger. 
Looking at my account, it just says " Total Control Checking.  '' The only discernible difference between this and my other XX/XX/XXXX account is when I open my account online and click on account details, this account has a red icon at the top of the pop-up page and my other account ( that was originally an XXXX account, but is apparently now a XXXX account ) has a red " XXXX '' where the icon is displayed. Nothing in the name of the account indicates this. 
I spoke with Capital One customer service on XX/XX/2019. They agreed to refund the {$3.00} fee charged by the ATM host, but not the {$2.00} fee actually imposed by Capital One. 
If they are charging others similar fees every day, they're likely making thousands of dollars over this discrepancy. There should be a disclaimer in the mobile app. that indicates you may be subject to fees at " XXXX ATMs '' based on the type of account and indicate whether or not you account is a XXXX account. 
I can provide documentation is necessary.
Product: Credit reporting or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some accounts that need to be fixed. The 3 Credit Bureaus must verify these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX 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
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX I am writing to formally dispute the handling of my personal information in connection with the XXXX XXXX data breach, which affected approximately XXXX XXXX consumers. This breach, as acknowledged in the XX/XX/XXXX settlement between XXXX, the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and XXXX states, violated consumer protections under 15 U.S.C. 1681 and resulted in significant harm to affected individuals, including myself. 

The settlement explicitly found that XXXX engaged in unfair and deceptive practices, and I believe my personal data was compromised due to your failure to safeguard sensitive information. As a consumer, I am exercising my rights under the Fair Credit Reporting Act to request the following : Verification and Resolution : Investigate whether my information was impacted and provide immediate resolution for any inaccuracies or unauthorized activity in my credit file. 
XXXX XXXX : Outline the steps you are taking to address the breach 's ongoing consequences and confirm my eligibility for relief under the settlement terms. 
Detailed Report : Provide a detailed report of the breach 's impact on my personal data and actions taken to mitigate further risks. 
Please confirm receipt of this letter and provide a written response within the 30-day timeframe required by law. Failure to adequately address this dispute may result in further legal action to protect my rights.
Product: Money transfer, virtual currency, or money service

Yesterday, XX/XX/year> I was contacted by a friend on XXXX and I assumed that Friend had not been compromised as far as their XXXX account. They were selling items to help their father out and everything seemed legit I was talking to them and they said that I had to send a deposit to make sure that nobody else would come by the items before I had a chance to come pick them up and pay the rest off so I sent {$1000.00} {$500.00} for enclosed trailer and {$500.00} for a washer and dryer set for a total of {$1000.00} sent through XXXX using Huntington national Bank. When I called the bank to ask them who the money was sent to they could not tell me. When I asked XXXX who the money was sent to they would not tell me. I tried to cancel the transaction and it was too late. Ive been trying to do something since the moment I sent the money this money is my rent money and Im gon na be out of a place to live if I cant get it back. Please help me in anyway you can. Below are some attached conversations that I had with the scammer. You could tell at the very end that it is a scam because he admits that he tried to scam somebody yesterday for {$5000.00} and got away with it and that person was not asking for their money back
Product: Credit reporting

Experian had XXXX hard inquires on my credit report from XXXX XXXX on : XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX.
Product: Debt collection

MCM contacted & shared personal & confidential information with someone other than myself- in violation of consumer protection & collection laws. They acknowledged in a response std XXXX but are refusing to remove their delinquency from my credit report.
Product: Checking or savings account

I received a {$5000.00} deposit from my school and deposited {$1800.00} into my bank account, totaling {$6800.00}. However, Citibank has blocked my account. I have reported this to Citibank 's XXXX XXXX XXXX, and my case number is XXXX. As a student, I dont have enough money to pay for rent and school. Please help me.