23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I hope all is well I wanted to start off by saying I appreciate banking with you and the over draft protection thank you very much and I apologize this has happen. Im writing because I lost my bank card and I been trying to get an representative over the phone for over a week and every time I call its 25-30 min hold times. I can not waiting on hold that long so I dont know if Im calling in at the wrong time but its like all day through out the day. Im not able to go in the branch due to the virus and I have a XXXX XXXX  and a XXXX XXXX XXXX and Im not risking there lifes or mines. Because it seems like the virus is getting worse not better even though its an vaccine out. I needed a new card mail to me, which one is on its way because I have a check from XXXX the I could of deposit it to avoid the overdraft fees and the return check fee. Its not my fault that is an pandemic thats what caused my fees. I would been had my check my back pay from XXXX if the virus never came is delaying everything and making it hard for me to handle my business due to I cant risk catching the virus or bring my children in places especially my newborn that can wear a mask. This is all a big mess. I really need my fees back like its honestly not my fault and I truly apologize. Once XXXX starts releasing my back pay from 2015 everything will get better. I also talk to them about mailing my check instead deposit it because this wouldnt of happened at all. I just cant go in to the branch to get a new card its too risky so its all the pandemic not my fault. I apologize again. Thank you for your time. Have a wonderful day and please be safe.
Product: Credit reporting, credit repair services, or other personal consumer reports

please review the following accounts that appear on my credit report, they do not belong to me, and are hurting me XXXX Account Number : XXXX This is not mine. 
Identity Theft DEPT OF ED/NAVIENT Account Number : XXXX This is not mine. 

2. Identity Theft DEPT OF ED/NAVIENT Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX This is not mine. 
Identity Theft DEPT OF ED/NAVIENT Account Number : XXXX This is not mine. 

2. Identity Theft DEPT OF ED/NAVIENT Account Number : XXXX This is not mine.
Product: Credit card

This concerns American Express Gift cards. I have 2 of the cards that have been mostly useless because they are denied at almost all online merchants including XXXX. I have 6 instances where the cards have been declined. They are refused at merchants that honor the American Express card but not the gift cards. I also know this is a very common issue with these cards with no effort from AmEx to resolve the issue. I have asked for a refund from AmEx for the balance that is on these two gift cards. AmEx refused to provide a refund. Doing online searches about the issue shows this is a very common issue to thousands of consumers.
Product: Credit reporting or other personal consumer reports

Based on the apparent inaccuracies shown in the enclosed credit report, it is evident that these companies have reported my data falsely. 
Please note that XXXX is reporting a 60 day late payment, while there is no 30 day late payment ever. 
Also TransUnion and XXXX both show a 30 day late payment and a 60 day late payment. I am very certain that my payments were always made in full and on-time.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023, I received an Experian notification that my account was reporting positive payment history. This was because the company changed the XXXX from late to on-time. Please see the screenshot. Today, XX/XX/2023, I received an update that the dispute results were available. I thought that the account had been updated per the XX/XX/2023 notification. But, it was not.
Product: Checking or savings account

On XX/XX/2021 at XXXX I received a text from U.S. Bank ( this is the bank card that Texas XXXX XXXX deposited my unemployment money on ) stating that an ATM withdrawal of {$200.00} had posted on my account. I immediately called U.S. Bank customer service at XXXX because : XXXX. I did not authorize this transaction XXXX. My balance was lower than it should have been. 
XXXX. I had my card ( XXXX XXXX XXXX XXXX ) in my possession and had not used it. 
When I called US Bank, I was greeted by a representative that asked me for my card number, social security number and address. I then explained to her that I received a text stating ATM charges. After explaining she stated to me that in the beginning of XXXX someone had called in without all of my correct information and changed my address from XXXX XXXX XXXX XXXX, XXXX TX. XXXX to a new address on the east coast. And also had a new card sent to this new address. She also said that my account had been marked as possible fraud alert. She said that there was nothing else she could do but to transfer me over to the fraud department. After being transferred to the fraud department the representative took my information and opened up claim. The claim stated that I had not authorized XXXX charges that had posted on my account. I was told I needed to write a statement saying I did not authorize charges and it must be received with XXXX days. The representative also said that they couldnt change my address back to my address back to the original address of XXXX XXXX XXXX XXXX, XXXX, TX. XXXX because she stated, that in the State of Texas it is illegal for U.S. Bank to change the address for any card holder account that address is in Texas that I would need to contact the Texas XXXX XXXX ( TWC ). I replied to the rep then how did my address get changed in the beginning of XXXX it was not XXXX. I asked for a supervisor and the supervisor told me the exact same thing that it is against the law for U.S. Bank to change the address. 
I then made over a dozen to calls over several days to the XXXX being transferred from XXXX department to another. I finally reached someone at the XXXX stating that she would open a ticket explaining my situation about my address being changed at U.S. Bank. The representative at XXXX stated that my address had not changed therefore she didnt think anything could be done from the XXXX side but she still opened a ticket. 
Approximately XXXX business days later I called U.S. Bank and gave them my information and was told that they couldnt give me any information on my account because the address does not match whats on file for me. I asked for a supervisor and was transferred to the supervisor which told me I had to call the XXXX to get my address changed. 
After numerous calls I was told by the XXXX to put in a complaint to CFPB regarding U.S. Bank and maybe it will be resolved once and for all. 
I still have a balance on in this debit card and can not access my money because I can not change the address to get a new card sent to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/22 WELLS FARGO, XXXX and XXXX XXXX. 

RE : We have disputed this account.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023, I submitted an address correction letter, but Experian did not delete the issue. I still currently have XXXX names and XXXX other addresses that remain on my report. On XX/XX/2023, I submitted a reinvestigation letter, nothing was corrected. I submitted a follow-up reinvestigation with more inaccuracies that I noticed on my report XX/XX/2023. I tracked the mail that I sent off and saw that the letter was received at their front desk XX/XX/2023, at XXXX in XXXX XXXX XXXX  after Experian XXXX to fix the errors during a previous re-investigation. It is now going on day XXXX and Experian did not dispute or notify me with any alert saying that the reinvestigation was in process. They ignored my request. Experian was obligated to do an investigation way before I put them on notice the first time, but they did not because I found multiple inaccuracies on my credit report. I no longer want to depend on them to investigate these accounts. They assumed this role and failed to play their part. They response is untimely ; let alone they did not respond at all. Please block and delete all inaccurate accounts from my credit report. This has affected my livelihood, and I can not even move forward to get a new home for my wife and I because they are holding us back!
Product: Credit card

I had a store only Kohls credit card which can only be used for Kohls purchases for many years. XX/XX/year> I received a notice that Kohls was joining with Capital One and that my card would be rolled into a general CapitalOne Credit Card that had high interest rates and could be used anywhere, which I did not want. I called to cancel my account and to not be given a new credit account with Capital One. 

The letter says " You have the right to reject the changes ... by calling XXXX by XXXX XXXX. '' I called the number and closed out my account on XX/XX/year>. 

Yesterday, XX/XX/year>, I received a Credit Card in my name from Capital One saying it was my new Kohls Capital One card ( which I do not want and have never asked for ). I tried to call Capital One, but their online CC number routes me to Kohls, and the Kohls line routes me back to Capital One in a loop so I can not close out the card. 

As I called and closed out my account but Kohls still shared my information with Capital One and opened a new account in my name, I am upset and feel this is fraud. I need help closing out this new account and companies should not be able to do this, especially since I followed their instructions and cancelled my account 2 months before I needed to.
Product: Credit reporting or other personal consumer reports

I'm a natural person, I am a living being, I have rights under 15 USC 1681.or 15 U.S.C 1681 section 602 A. states I have the right to privacy. In accordance with the fair Credit Reporting act XXXX XXXX XXXX missed payments & I OWED {$2600.00} open XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX missed late payments & I OWED {$20000.00} open XXXX, XXXX  XXXX XXXX late payments opened XXXX, XXXX XXXX XXXX XXXX XXXX late payments on XX/XX/XXXX open XX/XX/XXXX XXXX XXXX XXXX XXXX {$89.00} XXXX inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. They are not the Original Owners 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. 15 U.S.C. 1666b A Creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late any reasons. According to 15 USC 1681 : I have the right to privacy, and I did not give XXXX, TransUnion, XXXX, written permission to furnish these accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

In an effort fix my credit and to remove negative items from my credit report, I began to address the underlying issues on what was owed on all of the accounts on my credit report. 
XXXX XXXX XXXX XXXX had a balance of {$210.00} as XX/XX/XXXX. I began to dispute this amount with Experian credit services, and provided them the necessary documentation from the company that was seeking to recover the {$210.00} debt. XXXX XXXX XXXX XXXX 's XXXX group, was the law firm handling the account. I contacted them, and I made arrangements to pay them the {$210.00} plus the interest which amounted to {$210.00} on XX/XX/XXXX. I submitted this letter to Experian so that they can update the account, and remove it at my request. 
On XX/XX/XXXX, after having filed a dispute several times, Experian told me that the account still remains and that the balance is still owed of {$210.00}. All Experian continues to do is update the account and tell me that the balance of {$210.00} is still owed. I can't imagine why they would tell me this even when I had submitted documentation to dispute their investigative efforts. 
Their case number regarding this is # XXXX. Can someone from this office contact Experian, and raise these questions about why they will not update the account and remove this as paid in full from my credit report. If Experian, XXXX, and XXXX  are there to report negative information on consumers who have faulted for some reason or another on a debt that they owed, and the consumer rectifies that problem and pays it off in full, and has documentation stating that it has been done so, why are these credit bureau 's not updating properly the information that is given to them so people can move on with their life? I am going to submit the letter from XXXX, XXXX and XXXX to further solidify my position in this matter. 
Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit companies is not complying to FCRA Section 611 Part ( A ) ( 1 ). By law they have 30 days to respond.
Product: Payday loan, title loan, or personal loan

On or about XXXX XX/XX/21 Navy Federal Was Again Being Very One Minded Using Unfair Banking Policy . They Stole My Money.They Voided Their Contract With Doing What they Want With my collateral loan that I signed a promissory note go directly back into my savings but that was paying my credit card pending charges and I told them something was going on so they continue to steal my money and making me pay ridiculous charges nothing that I signed up for and I need it overturned and conversated. I also have emails correspondence from the manager of the hotel instructing them to release the remain on my money. Now I am banned from All Navy Federal institutions. After I kept calling advising them that they brenched their own contract. thank you
Product: Credit reporting or other personal consumer reports

My Name is XXXX XXXX XXXX and I am a Victim of Identity Theft. I have a XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XACTUS Hard Inquiries on my Credit File that I did not apply for, approve, nor did I authorize this inquiries to be applied for in my name. Please delete thisi nquiry off of my Credit File. I have XXXX police reports filed and sent to each Credit Bureau showing my Identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair Credit Reporting act CB Indigo has violated my rights. 
! 5 U.S.C 1681 section 602 A states i have the right to privacy.

15 U.S.C 1681 A section 2 it also a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C. 1666B A Creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Product: Debt collection

Citibank is engaging in unfair debt collection practices by utilizing harassing phone calls. They have called me in excess of the legal limit of 1 call per day per account, or 7 calls in a 7 day period per account. I currently have 2 accounts with citibank. Both are behind. 1 of the account I have a payment plan set up that I am current on. The other account I am 2 month behind on. For several weeks citibank called me in excess of the legal allowable limit. This is an unfair collection practice. When I inquired why they would use such practices I was told that I should expect it as I am 2 months behind. The employee then stated it was a robocaller that had been calling me excessively. I explained that does not give them the right to harrass me. And that if the company is to utilize a robocall system its parameters should be inline with the law. Utilizing technology does not exempt the company from complying with the law. They have since ceased their harassing phone calls however that does not change the fact they violated the law. If they are doing it to me they are doing it to countless others. They should be fined and held to the standard of the law.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against Experian for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Experian for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 

Account Information : Creditor Name : XXXX Account XXXX Date of Charge Off : XXXX XXXX  Amount : {$9500.00} I have previously disputed the accuracy of this charge off account with Experian and provided evidence that the information is inaccurate. However, Experian has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report. 

Under the Fair Credit Reporting Act, I have the right to request the removal of inaccurate or outdated information from my credit report. Experian 's refusal to comply with this law is a clear violation of my consumer rights.
Product: Student loan

nelnet has lied to me on multiple occasions about my loans being approved for discharge through the borrowers defense. I have submitted numerous complaints to federal student aid, XXXX, dept of banking and insurance, attorney general, my state senators. No body does anything about it!
Product: Credit card

Please review the attached documents. I urge the bureau to investigate these accounts reporting me as late, a situation that does not align with my timely payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

Initially was a co-owner on a mortgage in XX/XX/XXXX. Filed a chapter XXXX bankruptcy, discharged in XX/XX/XXXX. Mortgage responsibility was never reaffirmed. PHH is incorrectly, illegally reporting the mortgage account on my report with derogatory comments and history, listing a balance I am no longer responsible for. I was scheduled to close on my dream hone for myself and my children XX/XX/XXXX. This erroneous information in my file is preventing it. I have contacted the creditor to request a letter of intent to delete this account from my credit files with XXXX, XXXX, and XXXX ASAP. I provided a copy of my discharge. PLEASE HELP
Product: Debt collection

Keep getting calls from XXXX XXXX XXXX with spoofed numbers multiple times a day. I block one number and they call from another. Been happening for months.
Product: Credit card or prepaid card

I have four store cards under Comenity Bank and everytime I turn around they are lowering my credit limit. They send you an email alerting you to check your message on the store card website of important changes. I have XXXX XXXX which was {$600.00} is now at {$200.00}, Roamans {$300.00} is now {$100.00}, XXXX XXXX {$250.00} is now {$100.00}. I can see if I was struggling to pay the bill, but they constantly doing this whenever there is a change in your credit score, I.m getting sick of this. I also have a Bonton which the store closed and went into bankruptcy and the interest rate is still high. They should not be charging interest rate if the store went under.
Product: Debt collection

1. Found out about this in XXXX, XXXX due to applying for a mortgage loan and this collection was on my credit. It was listed as from XXXX XXXX XXXX XXXX  for {$330.00}. I immediately called the company and talked to collections who said they had an account in my name but could not help me unless I had an account number. 
2. I let the property go that I wanted to purchase and asked the lender for more information. They sent my credit scores which had dropped by 100 points. 
3. I then contacted the credit reporting agencies and disputed the charge assuming it would go away. 
4. I received a notice saying it was valid. Now I haven't had a phone with XXXX XXXX XXXX since XXXX. When I cancelled my service with them I was not under contract for 11 months and it took them two months to stop the service. I already had another phone and service with XXXX  XXXX. 
5. I was able to receive the account number through the credit reporting agency. 
6. I just got off the phone with XXXX XXXX XXXX collections and in order to find the account I needed a pin. They said they had to email to me at the email on file and reset the pin. 
This is a tactic to update the last contact to reflect this as a current account and reflect this date on my credit making it look like a current collection that I do not owe them. Their dirty business practices are illegal. I do not owe this and this has caused me trouble.
Product: Credit card

Hidden junk fees. Chase is arbitrarily charging foreign transaction fees in the amount of 3 % when I called to tell them I was going abroad they said I did not have to notify them and when I asked them if there was anything I needed to know before using my card abroad they said no. But now I see all these transaction fees on my card.
Product: Student loan

Applied for XXXX in XX/XX/XXXX. My loan was then transferred from XXXX to XXXX XXXX and then to MOHELA ( since XX/XX/XXXX ). I received a letter from MOHELA that I did not qualify for XXXX in XXXX ( with no reason given ), so I phoned MOHELA and the rep indicated that my form was invalid because my employer name/signature was cut off. I had a copy of the original I sent with signature intact, so they put me through to a manager who said that all forms came that way from XXXX because they were reviewed and were preapproved. Since then I have had to call MOHELA repeatedly because they were not posting my payments. For about 2 months only 12 payments posted. I asked that they request my records- they did, then 120 payments posted in XXXX with XXXX of these ineligible. All payments between XXXX and XX/XX/XXXX were missing/not posted, but the deferment periods from this time frame were posted. My servicer was XXXX XXXX ( now defunct ) from XXXX so I reached out to all of my past loan servicers to get the XXXX records and complained to XXXX. of XXXX that they were missing. I just received these records from XXXX ( who previously insisted they did not have them and did not provide them in a previous mailing ) via postal mail on Monday, XX/XX/XXXX. Today, I took off work to call MOHELA and have now spent 7.5 hours on hold. After a lengthy wait, I speak to the rep ( always in training ) and they hear my request and refer me to a supervisor and I am on hold indefinitely. I am in the second round of this and about to hang up and redial since I have been on hold waiting for a supervisor with no contact from MOHELA for 3.5 hours. I have roughly 160 eligible payments for XXXX and can not seem to get MOHELA to acknowledge and count these payments. I am due a return on the overage of payments and am in a holding pattern until they actually count all of my eligible payments. Thank you.
Product: Debt collection

I recieved communication from a debt collector. I invoked my specialized remedy as a consumer under 15 USC 1692 of the Fair Debt Collections Practice Act. My rights have been violated with a list of fourteen violations. There were six ( 6 ) listed violations in the first affidavit submitted to Unique Management Services Inc. D/b/a Unique National Collections. An invice was sent along with my affidavit to address my remedy as a consumer. The six violations are listed below in the affidavite are listed for your review below. 1 ) 15 USC 1692A. 2 ) 15 USC 1692B ( 2 ). 3 ) 15 USC 1692B ( 5 ). 4 ) 15 USC 1692A. 5 ) 15 USC 1692D ( 1 & 2 ). 6 ) 15 USC 1692E ( 2-a ). To which the aforementioned debt collector responded with a letter that does not address my affidavit, nor the violations, nor my remedy. to wit I responded with a second affidavit and invoice which includes eight more violations. The violations are listed below. 1 ) 15 USC 1692B ( 5 ). 2 ) 15 USC 1692B ( 5 ). 3 ) 15 USC 1692A. 4 ) 15 USC 1692C ( a ). 5 ) 15 USC 1692C ( b ). 6 ) 15 USC 1692D ( 1 & 2 ). 7 ) 15 USC 1692E ( 2-a ). 8 ) 15 USC 1692B ( a ).