23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received IRS Form XXXX for Tax Year 2016 indicating a discharge of debt by Discover Bank. My complaint here is not an admission that I owe or have ever owed this debt, I do not know at this time. I submit that if this was in fact ever a valid debt, it would have timed out years ago and the XXXX should have been issued long ago when it was clear the debt would not be repaid.
Product: Credit card or prepaid card

On XX/XX/XXXX I made a payment of {$380.00} to cover the minimum balance. On XX/XX/XXXX I submitted an extra payment of {$3000.00} to pay down my Wellsfargo XXXX XXXX Visa Signature Credit Card balance. Once this payment was submitted my credit limit was dropped {$9000.00} without notice or any explanation. This result has put my livelihood at risk. This is one of the major ways I pay for my child 's daycare and everyday expenses and it comes after making a very large payment of {$30000.00}. At the same time of making this large payment to Wellsfargo and Wellsfargo decreasing my credit limit, it also caused my daughter 's daycare payment to decline and me having to come out of pocket another {$1100.00} days later. I have never been late on a payment. I have always been on time and paying more than the required minimum balance often.
Product: Debt collection

XX/XX/2021 I received a letter from ANFI, Inc about a debt that was sold to them from XXXX XXXX XXXX XXXX XXXX XXXX For the amount of ( {$330.00} ). XX/XX/2021 i wrote ANFI, Inc a debt validation letter asking for a contract bearing my signature and how do i now owe them when i paid XXXX XXXX XXXX, XXXX a settlement amount of already {$400.00} and when i went to make my last payment they told me I had to wait to ANFI contact me regarding the debt now. Which i didnt understand so now ANFI responded with nothing but another bill. Why cant I get the contract bearing my signature on a debt they allegedly say i owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

Around XX/XX/XXXX Nelnet reported during the period of student loan payment suspension to the credit bureau a balance increase of my loan and my loan was 90 DAYS past due. Nelnet never sent any documentation or notified me in writing that my bill was past due. I never received anything in writing with a date that my payments would resume and I did not agree to start making payments during this time. This has caused my Credit Score to Drop XXXX points and damaged my perfect payment history overall on my report.
Product: Credit card

Please review the attached documents. I request the bureau to initiate an investigation into these accounts, as I am consistently on time with payments, yet they are incorrectly reported as late.
Product: Checking or savings account

On Monday XX/XX/XXXX, I deposited {$210.00} into my checking account. During the transaction it took the money it told me how much money and then it told me there was an Error, transaction not completed. It did not give me my money back it did not give me a receipt and then the transaction just ended. The screen went back to the beginning. We immediately drove around and spoke to a teller named XXXX XXXX. She told me she would have somebody come and look at the ATM that day and that I would have my funds back within 7 to 10 days. She gave me a case number as well. She also informed me that this happens all the time that the ATM often takes money from people but they're not doing anything about this. They're not fixing the ATM they're continuing to use those ATMs in the company that runs them. I spoke with XXXX XXXX yesterday and she told me I would have my funds back by last night. The funds are still not there. When I called her to explain that the funds were still not there she told me it would take a little bit longer and when I told her I wanted to close my account with them she hung up on me!
Product: Credit reporting or other personal consumer reports

RE : Complaint Regarding Unresolved Equifax Data Breach Settlement Claim Dear Consumer Financial Protection Bureau, I am filing this complaint regarding the ongoing and unjustified delays in processing my claim for compensation related to the XXXX Equifax data breach. Despite following all necessary procedures, including providing updated personal information that verifies my eligibility, Equifax has failed to resolve my claim or provide any clear timeline for compensation. 

Summary of Events : XXXX ) XXXX : I was a victim of the Equifax data breach. 

XXXX ) XX/XX/XXXX : I filed a claim for out-of-pocket losses and time spent as part of the class action settlement. 

XXXX ) Equifax 's Responses : Over the past year, I have received vague responses from Equifax stating that they can not locate my records and can not provide a timeline for reviewing my appeal. After providing my updated surname and the last six digits of my Social Security Numberinformation that should have confirmed my eligibilityEquifax continues to stall without explanation. 

Despite my compliance with every request for additional information, Equifax has delayed issuing the compensation I am entitled to under the settlement. Their inability or unwillingness to resolve my claim in a timely manner is not only causing financial hardship but also exacerbating the emotional distress I have suffered as a result of the original data breach.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I became an American citizen approximately 10-years ago. Being from the island of XXXX where I was born and raised, I came to America to better myself as a member of a XXXX  group. I started college back in 2007 to obtain a certification in the XXXX XXXX. Today I manage a XXXX   in a XXXX XXXX  located in XXXX, Massachusetts. Over the past two years I combined my student loans that equate to approximately {$46000.00}. This is equal to a little less than one-years salary. My goal is to pay off my student loans within 5-years with a great game plan. However, while I was in deferment in my student loans, I was never contacted by the Department of Education as to when payments should proceed. For several years I have not received any notices, nor was I ever called by the Department of Education. Recently, I started receiving notices from a qualified collection agency associated with the Department of Education called XXXX XXXX XXXX XXXX. I successfully changed the status of my student loans to a payment processing arrangement, and I believe that I should be eliminated from the Department of Education data-base. The Department of Education is complicit making me appear as a person trying to dodge paying on her student loans. I find this practice highly discriminatory against a person in the XXXX  status who was only trying to improve her position in society. The Department of Education should delete its credit reporting history on me completely and move it over to XXXX XXXX XXXX XXXX. I have attached a copy of the repayment agreement with XXXX XXXX XXXX XXXX, that I received after submitting proof of employment and monthly income. Otherwise, I am held in financial limbo while the Department of Education moves my files over to the new collection entity, and this will only hinder my progress on buying a home for my family. The Department of Education should either report the accounts as current or delete the payment histories altogether and move the files to the new agency known as XXXX XXXX XXXX XXXX I respectfully request the associates credit bureaus such as XXXX, XXXX  and Trans Union to see if my rights under the Fair Debt Collection Practices Act are being held to the standard guaranteed to me by legal recourse.
Product: Mortgage

Over the course of 14 years, Wells Fargo caused financial harm to my family and I by aggressively inflating mortgage insurance, cutting a side deal with insurance carriers, and over charging my account for lender placed mortgage insurance and fees. The market place value for the insurance coverage is significantly less than what I paid while the coverage is skimpy. Additionally, the lender entered into a settlement for their egregious unlaw practice and failed to include my family and I in the settlement.
Product: Debt collection

A random debt of XXXX $ was reported on my credit as collections with no further information of how this debt was incurred dating back to 2018 and also I have not been contacted about any collection. I believe this is not my debt and I do not recall this debt
Product: Credit card or prepaid card

In XXXX of XXXX, I received an upgrade offer from American Express to upgrade my {$0.00} annual fee XXXX  card to an XXXX XXXX  card ( that has a {$95.00} annual fee ). The offer was for XXXX bonus Membership points after meeting a spend requirement of {$2000.00} within three months of upgrading. The spend requirement was met in XXXX of XXXX, after which Amex posted XXXX points to my account. A prorated annual fee ( {$63.00} ) was posted to the account on XX/XX/XXXX. 

On XX/XX/XXXX, a {$95.00} annual fee was posted to my XXXX XXXX account. This prompted me to contact American Express on XX/XX/XXXX about changing back to the XXXX  card, which I [ incorrectly ] thought had now been open for a year, as I [ incorrectly ] assumed the Annual Fee was related to the effective date of the XXXX  Preferred card ( the date I upgraded ) rather than the date I originally opened the XXXX  card. I did not remember when I had upgraded, and the Amex website also does not say when the upgrade occurred. At no point during the downgrade chat with Amex did the Amex rep tell me how long the card had been opened or that the upgrade bonus was at risk of being clawed back. The only language in the disclosure was : " As a result of this downgrade, American Express reserves the right to take away, withhold, or freeze any rewards ( including acquisition and/or upgrade bonuses ) that would have otherwise been earned. '' Had I known the XXXX points would be clawed back, I would not have made the change, as they are worth {$440.00} in cash value - much more than the {$95.00} annual fee. 

On XX/XX/XXXX I received an email from American Express telling me that points had been deducted from my account because : " After careful review, we noticed activity that indicated these points may have been earned or used in a way that doesn't meet the terms and conditions of the Membership Rewards program or of the promotional offer under which you earned the points. '' The email went on to further explain : " The way Membership Rewards points are earned or used may not meet our terms for one or more of the following reasons : If your account was downgraded or canceled within 12 months of acquiring it. '' I phoned Amex to inquire, and opened a case for further investigation. I was told to contact Amex 7-10 business days later to be told the resolution. Two weeks later ( XX/XX/XXXX ) I followed up, and was told by an Amex customer service rep : " I see that investigation has been closed. The team has suggested to reverse the changes. Then, they will be able to reinstate the points. '' I reversed the change accordingly ( went back to the XXXX XXXX card ) and was told by the Rep they'd submit a request to reinstate the points. 

Today ( XX/XX/XXXX ) I followed up with Amex, as I had not yet seen the points posted to my account, and was told " the [ reinstatement ] request was denied '' and that " it was not possible to reinstate the points. ''
Product: Credit card

On XXXX XXXX 2015 I Applied Online for discover credit card after I check the status I was very negatively surprised to see I was declined, I contacted discover customer service agent and was informed that the reason why I was denied is because i had old account which was closed by credit granot because it was inactive which by Federal Law and By Equal Credit Opportunity Rights is not Legal to take adverse action because you had account in good standing and it was closed due to inactivity. After asking to speak supervisor and my request was escalated I was not lucky to be introduced to XXXX XXXX XXXX. She Told me she will investigate why and after 7 or more days could n't give me fair and legal answer, The Answer remained same that because I had Joint account and account was closed due to inactivity and I can not apply to join Discover Card Family. Please know I contacted in meantime with XXXX Credit Reporting Agency and obtained my free credit and score allowed by law if creditor takes adverse action to verify if I have any negative items or any other reason that my credit card application can be declined in which I saw and can confirm that I have Perfect Credit And only 12 % XXXX Population can have So Much Perfect Credit and XXXX Fico Score. 


I am writing to you because The service was not carried out with the necessary skill The service was not carried out with proper care and attention The decision is not acceptable and I will file claim to Consumer Financial Protection Bureau, XXXX, Federal Trade Commision I was treated very unfairly and in my opinion law was broken I suspect maybe there are other reasons like Race Sex national Origination or other reason which is not allowed to be used to make credit decision. and many other reason ... 


According to Equal Credit Opportunity Rights, prohibits credit discrimination on the basis of race, color, religion, national origin, sex, marital status, age, or because you get public assistance. Creditors may ask you for most of this information in certain situations, but they may not use it when deciding whether to give you credit or when setting the terms of your credit Please keep in mind I have Great Credit And Very Good Income And My Debt to income Ratio is Almost 0 % Also I want to Mention I have More Then 20 Year Credit History And I never been Late and or seriously delinquent and Never in My Life I Filed Bankruptcy. 


I would appreciate your response as soon as possible. If you wish to discuss this further, I am contactable by telephone/email Phone number XXXX XXXX XXXX Sincerely, XXXX XXXX Discover Card Apllication reference number is : XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I haven't received any response within the allowed time provided by the FCRA to my dispute letters. The companies XXXX & XXXX have not fulfilled their obligation to provide of the derogatory account ( s ) stated on my credit report.
Product: Money transfer, virtual currency, or money service

I transferred over {$400.00} from my Venmo account ( XXXX XXXX XXXXvenmoXXXX ) to my XXXX XXXX account using Venmos instant transfer feature, and Venmo charged me a fee equal to XXXX XXXX  of the total amount transferred. They also offer a slower ( XXXX business day ) service with no fees, aka free. I have no problem paying for faster service when its a decision that I have consciously made, my complaint is that Venmo is using a DARK PATTERN to obscure the fee and capture more instant transfer revenue by making the transaction look fee-less without super close attention to detail.

For example, imagine you were trying to transfer {$150.00}, if you choose instant transfer with their current XXXXXXXX XXXX, Venmo will show you a transfer amount of {$150.00}. What Venmo does NOT explicitly show you is that a fee of - {$2.00} has been charged to change your total amount. Maybe you will notice the amounts are different and maybe you wont. 

Failure to clearly disclose the fee as a charge on a separate line from the now-reduced total is unethical and may shortly become illegal in the United States . Avoid Venmos highly deceptive instant transfer experience with its hidden fee.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX This is the third time I have file a complaint. I am filing a complaint about some addresses that are not accurate on my credit report. My SS is XXXX my XXXX is XXXX. I am trying to make a Home purchase and my credit report is full of errors. 
XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX
Product: Debt collection

Synchrony bank calls at XXXX or a little after on Sunday mornings. The law says they can only call after XXXX to XXXX on Sundays. I do n't want to be disturbed like this on Sundays. I 'm trying to work things out and feel as if they are harassing me. They also call six to seven times per day. They do n't make it easy or pleasant to do business with.
Product: Checking or savings account

I was the victim of fraud on XX/XX/2021 in the amount of ~ {$1200.00} and Ally bank refused to pursue the disputed transaction saying that it was an authorized transaction. I have filed an XXXX complaint as well.
Product: Credit reporting, credit repair services, 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 Account Number : XXXX Account name : XXXX XXXX XXXX XXXX Account Number:XXXX Account name : XXXX XXXX Account Number:XXXX Account name : XXXX XXXX XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXX Account Number:XXXX Account name : XXXX XXXX Account Number:XXXX Account name : XXXX XXXX Account Number:XXXX Account name : XXXX XXXX Account Number:XXXX Account name : XXXX XXXX Account Number:XXXX Account name : XXXX XXXX Bankruptcy Account Number: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.
Product: Credit reporting, credit repair services, or other personal consumer reports

Synchrony denied me merchandise credit of XXXX financing stating due to payments history with Synchrony. I have never been late or missed a payment
Product: Debt collection

This company called PROFESSIONAL FINANCE CO is filing on my credit report even though I pay them every month. When I checked my credit report on XXXX XXXX, 2015 I noticed that they were reporting the incorrect balance and have n't even sent any type of bill or notices to me.
Product: Debt collection

Theres a personal loan with Oportun reported on my credit with a poor payment history that does not belong to me. Account was opened in XX/XX/2019. Due to the person not making the payments this loan is now in my collections.
Product: Debt collection

Constantly Called my place of employment and left a threatening message on work phone. Very vague and just stating " It would behoove you to call me back at XXXX ''
Product: Credit card

I have tried filing a dispute on a faulty product and returning it to the home depot store but the website is not allowing me to submit a dispute on the card. I Attempted dispute in XXXX of XXXX, over the purchase of a dryer and manufacture warranty not being honored. 

Interest payments on the credit card are also becoming extreme as i have paid over {$2000.00} in payments on the card but it has not affected the balance any when the promotion promised 12months no interest charges.
Product: Debt collection

I DO NOT ACKNOWLEDGE OR OWE THIS DEBT. I AM A XXXX FORMERLY XXXX XXXXXXXX VERTERAN AND PERSON AND I DO NOT OWE THIS DEBT.THERE IS NO CONTRACT AND NO DEBT. THIS DEBT IS WRONG I DO NOT ACKNOWLEDGE IT OR ANY AMOUNT AND IT NEEDS TO BE REMOVED!! THIS COMPANY PLACED IT ON MY CREDIT REPORT AND I NEED IT REMOVED IMMEDIATELY. THIS IS NOT MINE AND THEY HAVE NO PROOF OF THIS DEBT IT NEEDS TO BE REMOVED IMMEDIATELY. I HAVE REPORTED THIS AWFUL EVIL COMAPNY TO THE CFPB, THE ATTORNEY GENERAL OF TWO STATES, THE FTC, THE XXXX AND I WILL PURSUE LITIGATION IF NOT REMOVED.I DO NOT ACKNOWLEDGE THIS DEBT AND IT NEEDS TO BE REMOVED IMMEDIATELY. THIS COMAPNY DISCRIMINATES AGAINST AND HATES OUR NATIONS WOUNDED WARRIORS AND VETERANS IS PREVENTING ME FROM OBTAINING A ROOF OVER MY HEAD. I AM XXXX AND THIS COMPANY IS ASSAULTING XXXX PERSONS. THIS COMPANY ALSO SO PLACED OVERLAPPING NON LEGITIMATE DEBTS ON MY CREDIT REPORT. FRAUDULANT!! REMOVE IT IMMEDIATELY!!
Product: Checking or savings account

made a deposit on XX/XX/year> and my account was frozen and they did not provide a reason why or when it would be open!
Product: Bank account or service

Chase bank has charged me XXXX late and insufficient fees for about a year between XXXX accounts. 99 % of these are there fault due to the Atm drive thru being either not able to accept cash, down, or being fixed on. This happens about 2-4 times a week? Also a few times they have had a complete outage where none of the machines were working. The problem is they blame you if you can not deposit? 
When I asked when you have $ in the account why not take it for all the smaller checks that you know can be paid instead of running the biggest check first or the last check through. I was told it 's up to their discretion how they handle my XXXX They can wait if they want. I was like this is crazy??? Then I sought legal advice. I was told I needed a copy to see how many I had? I did n't know it was this many! I am a very small start up and can not afford for them to make me lose my home or mind. Last week my son had to go to have emergency and I did write a few checks at least 4-5. Now I was at the hospital for a couple of days so unaware of what was going on. I bought food at the hospital and looked at my account. I was in the negative? How could I be there was at least {$900.00} in the account. Well they did n't run the checks through that they received first which were smaller. They ran the last check which came in on the last day for over {$1000.00}. Then ran the smaller checks through so they could hit me with XXXX fees in a weeks time. Honestly I just broke down and cried from the hospital but I had to be strong for my son. So I called the bank and asked for the mgr. named XXXX. Well he said I can do anymore refunds after the last one! I was like the last one? You mean the one where there was an outage and I could n't deposit any money? How is that my fault if your machines were down? I was under the impression that they removed the fees asscociated with any and all from the atm machines being down etc ... .This is applies to the personal account as well. Same practices! I trusted them! The other account is in the negative {$430.00} for the same reasons! These totals do n't include the {$15.00} overdraft fees as well. I literally begged for them to not do this to me because they know my families situation. The bank mgr. XXXX gave me the run around to call the XXXX number. The XXXX told me that is not correct he must credit the account. No one takes responsibility. The insult to injury is I was told THERE IS NO DOCUMENTATION OF ANY OUTAGE, ATM DRIVE THRU BEING DOWN ETC .... I was so mad I just felt like nothing. They could do this to me? I did n't know how many times until now. It 's easy for them to know them but they know I have no proof. Well I am standing up I earned my money and I want it back. This is just wrong! We are a small business and these practices are literally putting us out of business!
Product: Credit reporting or other personal consumer reports

ON XX/XX/year> I REACHED OUT TO EACH OFTHE XXXX CREDITORS LETTING THEM KNOW THAT THESE ACCOUNTS WERE COMMITTED AS FRAUD ON MY CREDIT REPORT. THERE WERE DONE FRAUDULENT. THEY ARE CONTINUING TO REPORT FRAUDULENT INFORMATION EVEN AFTER BEING NOTIFIED. 
XXXX NOTIFYING THE FTC THAT XXXX IDENTITY HAS BEEN STOLEN AND USED FOR FRAUDULENT PURPOSES. SOMEONE HAS USED MY IDENTITY TO ENGAGE IN THE FOLLOWING TYPE ( XXXX ) OF FRAUDULENT TRANSACTIONS. SEE ATTACHED DOCUMENTS BELOW.