23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

About 2 months ago I applied for a Loan Indulgence which was not approved to me, the same day, the same representative who answered me by phone told me that I could apply for a Payment Arrangement and that when it was approved all the late payments that already I had accumulated, that they were like 2, they would disappear. I was waiting, 15 days, I had no answer and I called them, supposedly the application was pending. They spent almost 2 months, which I have been calling every 10 days to know about the application and they always told me that it was pending. It turns out that today XX/XX/2018, almost 2 months later a representative tells me that the payment arrangement had not been approved because " I ALREADY HAD NO BENEFITS '', that is, why did not the first person tell me???? It turns out that I ask to speak with a MANAGER and I explain everything again, in the end it tells me that my PAYMENT ARRANGEMENT application had not been approved because I had not put in the form how much I was willing to pay!!!!!!! How is it possible!!! That is, if I lack information in the document, what is fair and professional is that THEY call me and inform me!!!!! NOOOOOO, I kept accumulating late payments, they were reporting to my credit and finally they sent the account to a collection agency. 
I want to make a retroactive work in my account, to listen to ALL MY CALLS MADE IN THE LAST 2 MONTHS, to see that I have not stopped communicating with them trying to find a XXXX solution to that account. After they explained to me that my benefits were exhausted, they invited me to apply for a Payment Arrangement in which I had to fill out a form and send it. Apparently 2 months later, I discovered by one of the managers, that my application for a Payment Arrangement was not approved, BECAUSE I DID NOT PAY THE AMOUNT OF MONEY THAT I WAS WILLING TO PAY EACH MONTH! It is my responsibility to fill out the form correctly, but it is also the responsibility of this company to inform its customers when there is an error like this. I was never informed that my application was incomplete, I was never informed that my application was denied, after 2 months and after my account was sent to collection, after requesting to speak with a Manager, I learned all this. It is a lack of professionalism on your part.
Product: Debt collection

I have ANOTHER medical company trying to collect from me. Once again I have insurance so why osnt my insurance paying.
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 has violated my rights. Or 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following Experian and XXXX credit reporting agency ( CRA ) is reporting inaccurate information on the listed account below. This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) is not complying with federal law in regards to identity theft. Additionally, the credit reporting agency has not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. 

( XXXXXXXX XXXX  XXXX XXXX )
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX 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 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions
Product: Debt collection

On  XXXX / XXXX /  XXXX   I received a collection notice in the mail stating I owed the sum of  XXXX  to  XXXX   XXXX  and they,  Convergent Outsourcing Inc. , were a debt collector trying to recup this amount. This is the first time I have seen a notice like this and I have never had  XXXX   XXXX  service/account.
Product: Mortgage

After speaking with PennyMac mortgage, the representative failed to close out of my account and inadvertently set up auto bill pay to my mortgage. The error was only recognized when I a received a letter stating I had set up bill pay. By that time, the other customer 's payment had posted to my account. The payment was reversed but the following month the company determined my bank account had been closed so I was sent to collections. Nothing about my bank account had changed. The error must have been made when linking my original checking back to my mortgage.
Product: Vehicle loan or lease

In the market for an auto loan. XXXX and found out people said this credit union has a very good auto loan rate, then I checked their website. After reviewing available information, such " as low '' rates for specific terms and comparing with different products and other financial institutions, it appears they do have very good rates. As a result, I provided some basic financial and personal information for pre-qualified applications. Then the system returned many options indicating I was approved but all of them were far higher than the rate advertised. 

After calling them, I was informed that the rate was much higher than the expectation. Inquire about the reason, and get an " industrial standard response " that the rate is based on various factors ''. I expressed to him that I know my creditworthiness that my credit score meets the A+ tier for ( i would not say 100 % of the financial institution definition but at least 90 % of the financial institution definition ), no adverse record on my credit report, XXXX XXXX also considered low, credit utilization is low. I asked for an explanation of what could possibly prevent me from getting the lowest rate or any of the factor that i can expose them to higher risk. 
If the bank implements risk-based pricing which utilizes the credit report, the score has captured tons of risk factors and covert to a score already. If their so-called " other factors '' are part of the calculation of the credit score, it is like double counting or inconsistency since whatever the credit score model used has a unique algorithm to weigh different risk factors accordingly. Anyway, the loan officer told me that she does not have access to that information. 

This appears to be an unethical business practice called " bait and switch ''. And their practice further damages my credit score due to a soft pull or hard pull inquiry as I receive notification from other credit monitoring. I would really know what is the real cause so I can either correct it or stop the attempt with them
Product: Credit reporting or other personal consumer reports

15 U.S. Code $ 1681C-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that identifies as information thst resulted from alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in voilation of law because I am a victim of identity theft! Please delete the following accounts immediately : 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 
These accounts should not be furnished on my consumer report as they are in violation!!!! Under 15 U.S. Code 1681B- Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( C ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN COSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT! It also violates 15 U.S. CODE 1681S-2 Responsibilities furnishers of to consumer reporting agencies.

As a consumer I am demanding the deletion of the accounts listed above IMMEDIATELY!
Product: Checking or savings account

On XX/XX/2022, I received a phone call from 'Wells Fargo , ' phone number XXXX and the person that I spoke to claimed they were a Wells Fargo Fraud Protection Agent . This person then sent a 6-digit code to my phone via text to verify my identity. This is the same process Wells Fargo has in place to verify the identities of their customers, however this time, it was a fraud. I provided the 6-digit code to this person thinking they were a trusted Wells Fargo representative . This fraudster had now gained access to my account using the 6-digit code sent via text and performed the following activities. The fraudsters withdrew {$1000.00} from my Deposit Account via a XXXX transaction. They then authorized a cash advance in the amount of {$2900.00} from my credit card to my Deposit Account. Finally, the fraudsters wire transferred {$3000.00} out of my Deposit Account in order to claim the {$2900.00} cash advance for themselves. I submitted a fraud claim to Wells Fargo within 5 hours of this event occurring on XX/XX/2022. As of XX/XX/2022, Wells Fargo had ruled in my favor for the XXXX transaction and reimbursed {$1000.00} into my Deposit Account. However, Wells Fargo has denied my claim to reverse the cash advance because doing so would overdraft my Deposit Account. The complaint I am making is that the {$3000.00} from the wire transfer should be reimbursed to my Deposit Account which would then be used to reverse the cash advance of {$2900.00} on my credit card.
Product: Payday loan, title loan, or personal loan

I FOUND SOME ERRORS ON MY REPORT THAT ARE IN QUESTION, CAN YOU PLEASE SEE THE ERRORS I FOUND BELOW, THANK YOU FOR YOUR PROMPT ENGAGEMENT. 
I DISPUTED THIS ACCOUNT WITH XXXX XXXX AND XXXX. XXXX DELETED XXXX OF THE CHARGED OFFS ACCOUNTS BUT NOT THE THIRD ACCOUNT. THIS IS DAMAGING MY ABILITY TO GET A JOB.I DO NOT OWE ANYONE
Product: Credit reporting or other personal consumer reports

I am filing a complaint agaisnt equifax for failing to properly investigate and remove my disputes. Despite my submissions equifax responds with its accurate without providing evidence of a proper investigation. Ive also filed disputes through the kikoff app using equifax and they failed to remove them.
Product: Checking or savings account

An unauthorized amount of {$950.00} was taken from my Citizens Checking account in XXXX, Pa on XXXX XXXX through XXXX that was attached to my account and never authorized. The bank said I authorized the withdrawal but I never did. They would not reimburse me. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSUNION has permitted the collection agency of XXXX, XXXX XXXX XXXX XXXX to report an inaccurate account on my credit reports. Upon further review, the account apparently originated from a property management company called XXXX XXXX XXXX. I have no knowledge of this account. In accordance with 15 U.S.C. 1681i ( Fair  Credit Reporting Act ), 15 U.S.C. 1692 ( a ) ( Fair Debt Collection Practices Act ), 42 U.S.C. 3604 ( Fair Housing Act ), and California Government Code 12940, et. seq. ( Fair Employment and Housing Act ), please provide validation of the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to XXXX, Equifax and XXXX to REMOVE inaccurate information and fraudulent reporting from my credit profile. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information no later than 4 business days. Collections Account # XXXX, Account Name : XXXX XXXX XXXX XXXX Date Reporting : XX/XX/XXXX XXXX  According to the fair credit report act, my rights are being violated and this is causing personal harm and defamation of my character.
Product: Debt collection

In XXXX, XXXX reached out to me threatening to sue for a debt that I had tried to tell them wasnt mine and was a result of my identity being stolen by my abusive mother. They didnt hear me, and only wanted the money. Scared of a lawsuit, I caved and set up a payment plan with them to avoid a suit. I have been making payments monthly for a debt that I did not create nor reap the benefits of. Now, I had a payment not go through due to my card being turned off overnight manually so that my account isnt frauded. On XX/XX/XXXX I spoke with account manager XXXX, who said that the payment would be retried overnight. When I checked with account manager XXXX later that day ( see screenshot below ), she said she wasnt sure and to wait until the next day to see if it would happen. That didnt happen, and my payment plan was voided. They have also been sending me conflicting emails about how much total is due, with varying amounts ( see images ). Their website is also misleading, showing that a payment posted after the failed transaction ( see image ). The amount of inconsistencies in this company as well as the lack of knowledge in its workers tell me all I need to know about it, and I have lost confidence that I can resolve this with them. The account wasnt mine to begin with, but I was afraid to be sued for it because my name is attached to it. The tactics they use are inhumane and wrong.
Product: Credit reporting or other personal consumer reports

Personal Statement I have been XXXX  for XXXX years from XXXX and I recently viewed my credit report and my personal information was used illegally without my consent nor my permission and my credit was used without my knowledge, This account ( XXXX ( Original Creditor : XXXX XXXX XXXX account XXXX XXXX, are fraudulent and must be deleted immediately and was did illegally and must be removed under 15 U.S. Code 16815-2 ( B ) of the ( FCRA ) fair credit reporting act and must be removed immediately this account is fraudulent and was made without my consent. my information has been stolen and used whoever stolen. My information has used it illegally to apply for credit card accounts with many financial institutions. This account is a violation under FCRA and much be deleted my information has been stolen and used whoever stolen My information has used it illegally to apply for a Phone account with XXXX XXXX that was later sent to a collection agency XXXX XXXX XXXX, this illegal account are reported illegally on my XXXX XXXX report, XXXX report, Equifax report, and XXXX XXXX report. It must be removed. Please removed this information from my credit report, pursuant to section 15 U.S. Code 16815-2 ( B ) of the Fair Credit Reporting Act, Stating Information alleged to result from identity theft If a consumer submits an identity theft report to a person who furnishes information to a consumer reporting agency at the address specified by that person for receiving such reports stating that information maintained by such person that purports to relate to the consumer resulted from identity theft, the person may not furnish such information that purports to relate to the consumer to any consumer reporting agency, unless the person subsequently knows or is informed by the consumer that the information is correct. This account are unauthorized and must be deleted asap under The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 15 U.S.C. 1681s-2 ( b ). This account XXXX  ( Original Creditor : XXXX XXXX XXXX ) account # XXXX, are unauthorized and fraudulent please remove this thank you.
Product: Bank account or service

Unfortunately I do not have a scanner to send a copy of my existing paperwork, but I will try to describe my paperwork the best that I can. 
On XXXX XXXX, XXXX, I received a letter from XXXX Harris Bank ( XXXX XXXX XXXX XXXX, XXXX, IL XXXX ) with the following information : " As you know, M & I and Harris joined to create BMO Harris Bank N.A . last year, but have operated on separate networks and systems as we work to complete the integration. At the close of of business on Friday, XXXX XXXX, XXXX, that process will culminate in the transition of your deposit account ( s ) and services to the shared BMO Harris system. '' On the back of this paperwork there is listed a BMO Harris Account Summary : IRA Growth Money Market ; ( last XXXX digits of account no. ) XXXX ; ( new name of account ) IRA Premium Savers. 
On XXXX XXXX, XXXX, I called BMO Harris Bank ( at telephone niumber XXXX ) to inquire about the account and was informed by XXXX ( customer service ) that the account has been closed. I asked, " When was it closed and who closed it. '' She said it was closed in XXXX and she was not sure who closed it. She put me on hold to find out more information for me. She came back to the phone and said that someone was researching it and she would call me back with an answer, probably before closing that day. 
XXXX called me back the next day, XXXX XXXX, XXXX, and left a voicemail that she was typing the information into my records on their computer and I could call back and speak with anyone who can pull up the information. I called back and talked with a lady who said that my account was closed before the M & I and Harris merger, and transferred to XXXX and that is all she knew. I asked, " what is XXXX? '' She said she did not know. I asked to speak with a manager, and she said they would tell me the same thing. I asked, again to speak with a manager and she put me on hold. I held for 20 minutes and hung up and called customer service again. I was told by another lady that the account was transferred to XXXX. I asked what is XXXX. At first she said that she did not know, then she put me on hold and came back and said that it was a bank.. I asked if they had a telephone number and address, and she said she did not know it. She said that I could look it up on the computer and that was all she knew.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are items on my credit report that are violations of the FCRA. There is invasion of my privacy and defamation of my character. No consent, Identity theft!
Product: Credit card or prepaid card

I had a working credit card with XXXX XXXX XXXX XXXX A couple months ago, out of the blue, I got a letter from XXXX XXXX I couldn't decipher the intent?. I called the XXXX customer service XXXX XXXX at XXXX no one knew a thing. I called again weeks later, just to make sure. Credit rating is everything. Fast forward, about XXXX weeks ago, I received a credit card in the mail- evidently from XXXX Bank XXXX I discarded it, I don't take credit cards unsolicited- and who would in XXXX?. I just happen to have XXXX for their towing, etc, and placed a call to their XXXX, PA office. I explained the situation and the woman on the phone was happy to tell me XXXX split from BOA. After a pause, I told her no one contacted me and simply said, " Do you want our new XXXX. Cd. because of ... ... ...? '' I immediately called the number on my XXXXBOA credit card- lucky to get through- it was a new call center- **not recognizing any of my credentials! '' I had a balance and paid it. I tried to explain the situation and close the account.I was told no one can close accounts?, after being on hold another 20 mins..I called back several times from XX/XX/XXXX thru XX/XX/XXXX, lucky to get thru today- only to be put on hold again?? What is going in this country? I have excellent credit, know I have a credit card that is useless- BOA doesn't recognize my credentials either!! Unacceptable!
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, XXXX XXXX  XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX  XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I received your response in my complaint # XXXX and Im the one who submitted a complaint on XX/XX/2022. This account ( XXXXXXXX XXXX XXXX XXXX ) is reporting on my personal credit file with XXXX, TransUnion, XXXX ( Credit Reporting Agencies ). This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The CRA & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the CRA & DF have not provided me with any evidence of an open contract, signed contract or any valid proof that this was opened, authorized or created by me.
Product: Credit card

American Express charged my account for a product I never recieved even after XXXX disputes providing proper documentation to support my claim. The product was suppose to be shipped. I never recieved the product ordered. American Express conspired intentionally or unintentionally committing or inspiring to commit fraud with the merchant/vendor even after providing them with the shipping order. I expect the credit company American Express to properly review my documents and provide me proper resolution to resolve my dispute. The option of arbitration and discussion with their legal counsel was not provided.
Product: Student loan

My husband and I consolidated our student loans and went into default again. He has a garnishment on his wages that total {$190.00} per week. I called Pipneer Recovery to see what we can do to get out of this debt quicker. The woman told me we could pay {$540.00} per month MORE and we would be out in 25 years. That is {$1400.00} per month. I want to know my interest rate and she could not provide me that information. I asked her if we left the garnishment to pay the loan off when would it be paid? She said it would never be paid off. 
Is this true? It is financially hurting to have that much taken out of his check to learn he will never pay it off. Help please