23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

On XX/XX/XXXX XXXX I applied for a student Loan from a XXXX XXXX XXXX as a cosigner for my son. He is going in his sophomore XX/XX/XXXX. They advertise rates between 5.29 % I presume for very good credit & 12.07 % I guess for not so good credit. After filling out the loan application I was approved but the rate they gave me was ridiculous over 12 %. I knew my credit score was in the top % in the country around XXXX and my income level not bad over {$100000.00}. One outstanding loan car loan of XXXX being paid off currently 2.99 % the best rate you can get from XXXX XXXX. I immediately call College Ave. about the situation and to no avail the salesperson said they could not do anything about it. I asked to talk to the credit decision dept. and they would not connect me. They email to finish my loan bit I would not at 12 %. I then received a letter from them dated on XX/XX/XXXX thanking me for applying. I come to find that my credit score was even high than I thought FICO XXXX. I then called College Ave customer service and explain the situation again they finally connected me to a supervisor who told it was because my XXXX XXXX son did not have a long enough credit history. I told her that was the purpose of me being a cosigner. I am on the hook for the money not him. Anyway it did not end well. I also ask what is the criteria for the best interest rate? She could not answer. I believe that I was treated very unfairly and they falsely advertise low rates.
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 reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies. 

1. Identity Theft DISCOVER FIN SVCS LLC Account Number : XXXX This is not mine. 

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

3. Identity Theft DISCOVER FINANCIAL SER Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX/XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

5. Identity Theft XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX This is not mine. 

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

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

8. Identity Theft XXXX/XXXX Account Number : XXXX This is not mine. 

9. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine. 

10. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

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

12. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine.

13. Identity Theft XXXX/XXXX Account Number : XXXX This is not mine.
Product: Debt collection

they are calling my work, family members and friends of mine continually harassing and threatening all involved it is old invalidated debt
Product: Checking or savings account

I noticed transactions made by my debit card in another city for {$400.00} by a company called XXXX XXXX XXXX XXXX XXXX on XX/XX/2024. My bank, Wells Fargo conducted an investigation and subsequently denied the claim stating to me that it was authorized. We had a similar transaction from the same vendor a month before on XX/XX/2024 for {$63.00} and that claim was approved. I had to cancel my debit card and get a new one. I requested investigation documents by Wells Fargo that they used to determine their decision but havent received it yet.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, XXXX Credit Bureaus must update or get rid of the following accounts from my file. 

JXXXX 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
Product: Mortgage

Hello,. In XX/XX/XXXX, I purchased my home at XXXX XXXX XXXX XXXX XXXX, VA XXXX. My mortgage became serviced with PennyMac. In XX/XX/XXXX, my husband and I began to run into financial difficulties. I applied for a loan modification in fall XX/XX/XXXX, I was approved. My paperwork and first payment for the trial payment plan for the loan modification was due by the end of XX/XX/XXXX. I sent in the agreement, and the first payment before the end of XX/XX/XXXX. In XX/XX/XXXX, I receive a letter stating that they never received my documents so the trial payment plan was cancelled. I did not make my payment in XX/XX/XXXX as I was trying to communicate with them to figure out what to do. Towards the end of XX/XX/XXXX, beginning of XX/XX/XXXX, my husband called the company to discuss that we did send everything in, and needed the trial payment plan reinstated for their mistake of losing our documentation. They refused, and continued to state that they never received it. In XX/XX/XXXX, we received documentation that our house would be in the foreclosure process. I even sent in documentation for the fax confirmation. They continued to refuse. I finally filed a complaint with the CEO, with the federal consumer protection, and with the XXXX XXXX XXXX. It was then that they called saying oh we will fix it. They refused to reinstate the old one, however, and made us put in a new application. We put in the new application and they did not approve it. We then got notice that our house was due to be auctioned in late XX/XX/XXXX. I filed new complaints with the XXXX XXXX XXXX and federal consumer protection, they then allowed me to send in another application for a trial modification, and postponed the auction. All this time, however, they have still refused to admit their mistake of losing our original documentation and have refused to reinstate our modification that was messed up due to their mistake. The new application was also denied. They said we could put in another application, but honestly, due to their mistake, I am so peeved and wish they would just own up to it and reinstate. I am at my last resort. My house is due to be foreclosed on XX/XX/XXXX. I am so close to filing a lawsuit, but figured I would reach out to you all first
Product: Checking or savings account

XX/XX/2018 I open a check account with Citibank over the phone and was given a promotion over the phone which I still have a hand writen note make debt purchase of {$370.00} or more within 60 days and make 1 or 2 bill pay within 60 days ( no minimum amount ) wait 90 days after the 60 days period get XXXX XXXX XXXX XXXX So I opened the account and did the purchase and bill pays and during the time of promotion of 60 days I have made two phone calls to check weather I will get the miles they all said I am good I just have to wait 90 days but the miles never came so XX/XX/2018 I filed a dispute with bank confirmation # XXXX and I got a letter back from them and my promotion was denied
Product: Payday loan, title loan, personal loan, or advance loan

IHave asked for several months since opening the account for a account.statment only to be told no I have tried to access online my account only to be restricted I have asked for more payment options. as of now the only way to repay my account is to call into the store these deceptive and predatory practices most stop I have no idea of what my balance is how the payment are applied or what my pay-off balance is
Product: Debt collection

On XX/XX/19 I got an alert from my XXXX credit card that I had a delinquent account reported from XXXX. Upon checking, I saw that my credit score decreased from XXXX to XXXX. The credit report stated that Nordstrom reported my Nordstrom  credit card as delinquent for an {$84.00} balance. I was very shocked because I had set up an automatic payment on the due date, so I reasoned this was a mistake. 

On the same day, I called Nordstrom and asked them to report my account as current because I had set up payment for the due date of XX/XX/2019. They said the payment was returned to me but couldn't tell me why. I said I had no idea that my payment was returned, that I never got any statement or letter to notify me of the returned payment. If I received it, I surely would've paid on time because it was just {$84.00} and I have a very good credit score and history. I felt it was a violation of UDAAP, ( unfair, deceptive, act and practice ) because I never got a letter beforehand for the return, and after 60 days the account was reported delinquent. It is very unlikely I was trying to cheat the bill. Nordstrom ended up telling me to file a dispute with the credit agencies. I also paid the {$84.00} balance on the phone just so that my account would show as current again. 

Later I wrote a dispute to XXXX and XXXX explaining my situation and attached supporting documents that I had set up payment to pay on the due date, but the payment was returned to me. I explained that I never received a statement and letter and to report my credit as current as I had intended to pay it. Both credit agencies returned a decision back to me saying that my credit score was unchanged and therefore the credit file would still say my Nordstrom card was previously delinquent.
Product: Checking or savings account

I opened a checking account with Fifth Third Bank on XX/XX/2020 at the branch on XXXX XXXX XXXX in XXXX, IL XXXX. I deposited {$480.00} cash into my checking account on XX/XX/2020 inside the branch with a teller at XXXX XXXX XXXX in XXXX, IL XXXX, bringing my account balance to {$480.00}. On XX/XX/2020 I receive a text message alert from the bank telling me my balance was low at only {$0.00}. To find out what happened, I call the banker at the branch where I opened my account and she tells me that the money was withdrawn from an ATM in XXXX, GA. In the time leading up to this, I had never received any debit card in the mail, I had not activated any debit card, I had not traveled to XXXX, GA, and I do not know anyone who lives in XXXX, GA with my personal information. Therefore, the banker advises me to file a dispute claim with Fifth Third Bank for this {$480.00} withdrawal transaction. I proceed to do so and the bank provisionally puts the {$480.00} back into my checking account. As they review my claim, I receive another alert saying the {$480.00} that the bank put into my account, has been taken back. After contacting the local bank branch, I find out that my claim has been denied by the dispute team, and the individual who helped me open my checking account is now leaving the branch ( this seems suspicious to me ). The branch manager advises that I email the dispute team and explain why I do not agree with the denial, which I proceed to do on XX/XX/2020. After basically re-opening the dispute case, the corporate team tells me they will have a decision within 1 month. After waiting for one month, I do not hear anything from Fifth Third Bank by XX/XX/2020, so I decide to call them myself on XX/XX/2020. When I do, they apologize for not having a decision yet and say they need 2 more business days and I will need to call back. When I call back on XX/XX/2020, I am told that the decision to deny my claim will stay and there is nothing the bank can do going forward, and if I want the case to be opened again, I will have to email the dispute team again with my reasoning for why the case should be opened. The dispute team-member also advises that I file a police report because she thinks someone stole the debit card from my mailbox and activated and used it. I dont believe this to be true at all, since I live in XXXX, IL and the ATM transaction was in XXXX, GA. However, I do file a police report with the XXXX Police Department, case # XXXX with Officer XXXX on XX/XX/2020. Since then, I have emailed Fifth Third Bank on XX/XX/2020 to reopen my dispute case, and I provide them with the police report number. In addition, I ask them to retrieve the video footage from the security camera at the ATM, as well as the phone number that was used to call and activate my debit card. It has been 2 months now with no resolution and I am very disappointed at all the time and effort I have had to put to get my {$480.00} back into my checking account, with NO help from Fifth Third Bank.
Product: Money transfer, virtual currency, or money service

At XXXX XXXX  on XX/XX/XXXX, I went to withdraw money that was necessary to pay bills from a Wells Fargo ATM with a XXXX XXXX debit card. The card was returned, a receipt was printed, but the money was never provided. While the machine was counting and as I prepared to take the cash, the ATM produced the screen of No Cash Currently Available and provided two alternative machines in the area. They withdrew the money from my account. I retried the transaction, same thing but my account only {$600.00} ( est ) in the account. I went to the only branch I know of in XXXX and the teller told me the money was supposed to be flipped back to my card. I told him it was not. He tried a cash advance it would not go through. The branch also informed me that I needed to file a complaint with my bank. I submitted the complaint. I have the original receipt, pictures of what was displayed, and I did provide an address of the ATM to the person from XXXX XXXX. However ; the one submitted was the incorrect one because we could only go by stores that surrounded the area. I do have the correct address.
Product: Credit card or prepaid card

I closed my XXXX card account in XX/XX/XXXX. At the time of closing my account, I was told the fees would be waived and balance would be updated to XXXX. I called again in XX/XX/XXXX and was again told that the fees would be waived and my balance would be updated to XXXX. I've attempted to dispute the charges via the three credit reporting agencies. XXXX continues to report my account as late and charged off. However, the balance consists of fees that were supposed to have been waived.
Product: Prepaid card

A {$500.00} Vanilla VISA value gift card bought from XXXX and XXXX of {$1500.00} value Vanilla VISA gift card bought from XXXX are all problem cards that I can't access to any of the money on it. The one from XXXX can't read some of the card numbers and apparently it was scratched and tampered by someone before I bought. I opened it right after I paid the card at the cashier and found the problem but XXXX people said I have to contact Vanilla for refund because the payment has went through. I called Vanilla immediately and a agent checked the balance on the card using some bar code on back of the card, {$500.00} was in the card at the time of the call and the agent freeze the card to protect. They said they will get me a replacement and it can take XXXX to XXXX business days. But I never received any replacement so far and no email response at all! For the total {$1500.00} value Vanilla VISA card bought from XXXX, they are XXXX {$500.00} value cards and I checked the balance the day I bought them and the balance looked right that each of them had {$500.00} on it, totaling to {$1500.00}. However wherever I wanted to use the card, all transactions were declined. So I called Vanilla customer service and the agent said these cards are bad and can not use although the money are in them. So I requested refund but they said I have to wait 30 days before they can process anything. The agent opened XXXX cases for investigation and requested some documents such as the card pictures, receipts and address verification docs, which I sent more than 4 times to the email and fax number I was told, but the business kept saying that they never received my documents and can't issue my any replacement or refund. But actually I even received system automatic email notifications saying that the email has been received so apparently the business is just trying to not giving me back the funds. None of those XXXX based call center agents are able to help and they just kicked us around and the cases are falling to black holes now! It has been more than a month since I bought those cards and I really need to get my {$2000.00} back immediately! The case numbers with the business Incomm payments are XXXX and XXXX.
Product: Credit card

After Goldman Sachs clearly stated that they removed an account from my credit report, Goldman Sachs reinserted the account on XX/XX/year>. In CFPB complaint XXXX the bank states that the closed the accounts and I was not liable for these accounts. This was stated on the XXXX of XXXX, after the reinserted and stated that the items were removed. Goldman Sachs is clearly being dishonest and I will be moving forward with a lawsuit against the company for charges unknown at the moment. I will be seeking legal council because it is obvious that the bank is lying to the CFPB in order to continue to ruin my personal life by destroying my credit. I have attached a screenshot of the current credit report showing the reinsert of the same account that they claim that they canceled on XXXX XXXX. The account was not on my report prior to the XXXX. I have attached the statement from Goldman Sachs from their CFPB response. They claim that on the XXXX they submitted a request for removal and then on the XXXX the account was resubmitted to my XXXX report.
Product: Debt collection

I rented an apartment on XX/XX/XXXX. They were many XXXX that was documented by XXXX XXXX XXXX  that was never repaired. While living there, I had a XXXX XXXX that XXXX XXXX XXXX which XXXX XXXXt never repaired. I have a police report. I have moved out on XX/XX/XXXX with no rent due. The complex has sent me to collections on XX/XX/XXXX without contacting me or providing a move out report to me, requesting {$4500.00} in XXXX. I have reached out to the apartment and debt collector in detail about the charges. Im being charged to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  but it was already damaged upon move in. Im being charge for XXXX XXXX that I never used ( I kept putting in maintenance request that were never done ). Im being charged for XXXX XXXX whereas they were never replaced when I moved it, they were only painted over. While living there and constant water, the paint started chipping off slowly. They are charging me for XXXX XXXX XXXX when I lived for for over XXXX XXXX. They are charging for a XXXX XXXX XXXX XXXX XXXX XXXX where I have proof that it was like that when I moved in. They are charging for the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The XXXX XXXX were wide open for XXXX XXXX. I have all my move in photos. I have reached out to the XXXX XXXXXXXX, XXXX XXXX and their HR by email on XX/XX/XXXX with no response. I also reached out to the debt collector on XX/XX/XXXX that responded they have received my dispute. XXXX I received another letter from the collection agency stating that I have not made suitable arrangements and I will be sent to the collection agencies. They have not responded to any of my disputes. The apartments, their management company or the debt collector has done their due diligence in reference to my dispute. I have not been contacted, all Im receiving is debt letters but no response to the dispute. Also I requested to provide where my XXXX XXXX was applied with no response.
Product: Credit reporting or other personal consumer reports

The distress stemming from this situation is tangible, affecting my XXXX XXXX and leaving me XXXX. The discrepancy feels difficult to reconcile with my consistent payment history. I implore you to promptly rectify my account. It feels unjust to suffer the consequences of an error for which I am not responsible.
Product: Credit card or prepaid card

I signed up for a credit card thru Capital One solely for the purpose of utilizing the advertised Virtual Credit Card features. This feature allows you to create a pseudo card number to protect your privacy by not revealing your actual card number when making purchases online. I was told by several employees before signing up that this feature would be available to me right away once I received the card. The website that advertised this card also says this feature comes with the card. When I finally received the card ( after a long long wait ), this feature was not available to me. I called customer service and they said this feature isnt available immediately, and can take anywhere from 1 week to 90 days to start working. Theres no controlling this they said, and it will randomly just become available so theres no telling how long you will have to wait for the feature to become available. I think possibly the main issue ( I figured this out on my own ) is the feature uses 2 factor authentication when signing up for the feature. It has you enter in your phone number and it uses your carrier to verify your identity. When I try to do this it says the system can not verify my identity, even though my name thru my carrier matches the name on my account perfectly. I called 3-4 times, no one was able to help me, even after speaking with tech support and several managers. I asked to be contacted by the managers manager, and they said this was not available to me. No one offered to help in any way, and I still do not have the advertised feature.
Product: Credit card

Dear Consumer Financial Protection Bureau, Goldman Sachs has told me outright falsehoods regarding the {$390.00} credit they claim was permanently applied to my account on XX/XX/2024. Their assertion is factually incorrect and contradicted by my bank statements, which show no such credit was ever issued. 

Point-by-Point Rebuttal : 1. False Claim of Credit : Goldman Sachs claims that temporary credits totaling {$390.00} were permanently applied to my account on XX/XX/2024. This is false. My XX/XX/2024 bank statement clearly demonstrates that no credit of {$390.00} was issued. 
2. Unrelated Credits : The only credits applied to my account during this period amounted to {$51.00}, which were for disputes that Goldman Sachs resolved separately to the {$390.00} in question. This is a matter of record, and I have attached my XX/XX/2024 bank statement as proof. 

Demands : 1. Goldman Sachs must immediately issue the {$390.00} credit to my account that they falsely claim was already applied.

2. The CFPB must hold Goldman Sachs accountable for providing false and misleading information in their response. Their dishonesty is a direct violation of consumer trust and regulatory standards. 

Attachments : XX/XX/2024 bank statement, which proves : No credit of {$390.00} was applied.

The only credits issued were {$51.00}, which were separate/different disputes. 

Goldman Sachs actions are indefensible, and I demand immediate resolution. Anything less than full accountability would condone their attempts to mislead both the CFPB and me as a consumer. 

Sincerely, XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Last reported XX/XX/year> {$XXXX} XXXX  XXXX XXXX, Last reported XX/XX/year> {$XXXX} These are accounts that I marked inaccurate and did not receive proof of
Product: Debt collection

I wrote a dispute notice to Portfolio Recovery Associates, asking them to validate a debt that they alleged I owe. They did not validate nor send proof of an original signed contract with the wet ink signature. I sent them the notice dated XX/XX/2020 via USPS Certified Mail Number XXXX. In which they received it on XX/XX/XXXX According to the USPS website at XXXX. They did not remove it from ALL of my credit files. It is causing me great financial injury and it's causing me to have difficulty acquiring credit. The account number for the alleged debt is XXXX.