23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DOB XXXX/XXXX/XXXX SS # XXXX You still have not deleted XXXX as you can see XXXX has it displayed correctly on my report but you do not this has gone on for far too long you must correct tower FCU or delete it stop playing games and do your job!!! 
Delete XXXX XXXX You have id and utility bill an drivers id attached COMPANY XXXX - XXXX. XXXX XXXX XXXX - LOAN TYPE Credit Card Credit Card - ACCOUNT NUMBER XXXX XXXX - ACCOUNT HOLDER Individual Individual Account - DATE OPENED XXXX, XXXX XXXX, XXXX - STATUS DATE XXXX, XXXX XXXX, XXXX - CONDITION Closed Closed - LAST ACTIVITY XXXX, XXXX XXXX, XXXX - BALANCE {$0.00} {$0.00} - STATUS - Wage earner or similar plan - LATE 30 DAYS 0 times 0 times - LATE 60 DAYS 0 times 0 times - LATE XXXX PLUS DAYS 0 times 0 times - WORST DELINQUENCY None Reported None Reported - HIGH BALANCE {$0.00} {$0.00} - TERMS - - - SCHEDULED PAYMENT - - - CREDIT LIMIT {$0.00} {$0.00} - REMARKS Consumer disputes after resolution Chap. XXXX/dispute resolved/consumer disagrees - Contact XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX falsely placed 4 new items on my credit report. After disputing these accounts 2 were removed and 2 are still being investigated. When Transunion received these false accounts they immediately dropped my score 50 points. After these false accounts were removed Transunion raised my score only 5 points, although this area was not mine. I find this unfair and a violation of my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft since 2019. My credit was frozen for two years. 15 U.S. Code 1681b - Permissible purposes of consumer reports. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate. I am trying to buy a house and it's defamation to my character and livelihood.
Product: Credit card

I want to know why close my apple credit card account. Specific reason. they say only this.There was a failure to comply with the terms of the Customer Agreement.I spoke with 4 supervisors on the XXXX and on the XXXX the head of the supervisors called me and he didn't know what to tell me other than that There was a failure to comply with the terms of the Customer Agreement. It's frustrating not knowing why they are punishing me. I have no option to know how to do things better?
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting accounts as unconfirmed information without producing proof within the legal time range. 

XXXX XXXX XXXXXXXX Balance : {$47.00} ; XXXX  XXXX XXXX Balance : {$230.00} ; XXXX XXXXXXXX Balance : {$350.00} ; XXXX XXXX Balance : {$16000.00} ; XXXX XXXXXXXX Balance : {$5600.00} ; XXXX XXXXXXXX Balance : {$110000.00} ; XXXX XXXX Balance : {$35000.00} ; XXXX XXXXXXXX Balance : {$2200.00}.
Product: Credit reporting or other personal consumer reports

I looked at my report back on XX/XX/year> and noticed some things are incomplete and not accurate and according to the fair credit report act whenever consumer report agency prepares a consumer report it shall follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual about whom the report relates I sent a letter asking them to reinvestigate those accounts listed below XXXX XXXX XXXX XX/XX/year> open date is not reported correctly date last active of last payment is not correct this account is not accurate XXXX  XXXX XXXX  XX/XX/year> open date is not reported correctly date of last active of last payment is not correct this account is not accurate XXXX XXXX XXXX XX/XX/year> open date is not recorded correct date last active of last payment is not correct this account is not accurate
Product: Mortgage

MY TITLE SHOWS A LIEN FROM THIS COMPANY FOR WHEN IT WAS OWNED BY PREVIOUS OWNER. I WAS TOLD THEY WOULD PROVIDE A LIEN RELEASE AND IT HAS BEEN OVER 30 DAYS. I AM TRYING TO CLOSE ON A SECOND MORTGAGE, AND CAN NOT DO SO UNTIL I HAVE RECEIVED THE LIEN RELEASE.
Product: Credit card or prepaid card

PNC Bank issued credit card ( XXXX ) ( XXXX XXXX ). PNC Bank sent letter to Cardholder dated XX/XX/XXXX stating that the XXXX XXXX credit Limit had been decreased from {$19000.00} to {$7000.00} effective immediately. XXXX XXXX through PNC Bank had been issued based on value customers with qualified credit credentials and there were no exceptions as to the use of the card, nor its line of credit or credit limit were an issue. 
PNC made no indication that the 'credit limit ' were subjected to future increases if any or decreases. Although the credit limit was a starting point for future increases if any. 
Card Holder contends PNC Bank ( Core Card ) credit card issued by PNC Financial Services Group ; discriminated against cardholder, based on several items listed ; which aren't considered derogatory nor adverse to justify a decrease of {$12000.00} based on a credit report ( which from time to time ) fluctuate based on borrowing power, spending or debt to income ratios. Credit Reports provided by Credit Bureaus don't make banking decisions ; decisions are made by the individual institution. In this case PNC FInancial Services Group ; targeted this account and decreased the credit limit ; due to ( 1 ) cash advance transaction on the card { which was valid & qualified } and the other accounts on the credit bureau report ; which are valid and aren't adverse in any way. This practice made by PNC to pull credit data in order to purge accounts and/or make financial decisions as to who better serves their needs, must be looked into. If Consumers wish to carry high-limit credit cards and use the line of credit and remain in good standing, with payments, stay within credit line limits, submit proper credentials ; no reason for banking institutions to take away the initial line of credit. PNC Financial Services Group based their decision on other reasons ; and targeted this account and cardholder without sufficient notice, nor other review in order to make final decision.
Product: Debt collection

I am writing to dispute and urgently request the correction of inaccurate information on my credit report. Upon contacting the respective banks, it was confirmed that a system glitch led to the provision of incorrect details. The banks have assured me that the negative information on these accounts will be updated to reflect a positive status or marked as closed/never late. The following accounts are currently in dispute : 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: Student loan

I owe a significant amount, over {$160000.00}, under what I believe was predatory recruitment for loans. 
I did not qualify for FASFA, so my school counselor ONLY spoke of Sallie Mae, knowing I was going out of state. I am a first generation college grad, so my family had no idea of the effect a debt like this would have. We were under the impression that repayment options, such as loan forgiveness and income based payments, were going to be an options. 
My payments are almost {$1200.00} a month. I am living EXTREMELY below the poverty line because of my loans. I have tried to settle with Sallie Mae, with only being told to get a second job, of which I have had 3 at a time to make ends meet.

My co-signers are not in a position to pay outright. They feel they are harassed multiple times daily by Sallie Mae and it was ruined our relationships; making help with payments even less likely. 
I have tried to settle with {$90000.00} and was rejected. 
I am out of options. I have no idea what to do. I feel I have ruined my life by being guided to get Sallie Mae loans.
Product: Credit card or prepaid card

Used Wisely pay card on XX/XX/22 at XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX, XXXX XXXX ) atm to withdraw cash ( {$500.00} ). Cash was not dispensed, ATM showed cash is not available after transaction was completed. Receipt was given and amount debited from card. XXXX XXXX XXXX claims atm on property is not managed by the bank. Claim was filed with card company ( Wisely Pay Card ) on XX/XX/22. Cash has not been recovered to this date. Response from Wisely Card stating that it is under investigation. XX/XX/22
Product: Vehicle loan or lease

XX/XX/year> Amount {$660.00} I.m seeking action toward this amount cause i.m dispute this amount and XXXX payment {$220.00} is the issue being late cause of Financial hardship but it will be paid soon and the company is Threatening to close my account and cancel the Loan cause of pass due on the loan...
Product: Vehicle loan or lease

I have been actively paying down my car loan with Kia Motors Finance. However, not all payments have been properly applied to the principal balance by which they calculate the next month 's interest payment. I have been getting overcharged on interest payments for nearly six months now and have reached out starting with an email in July. My payoff balance is significantly higher than what I should owe based on the amount of principal I have paid down. 

Having received no response I followed up with calls on XXXX [ ], XXXX [ ] and XX/XX/XXXX. 

I spoke with managers on two occasions but was never given a satisfactory response that my issue was being corrected. I am now nearing having the loan paid off but am not sure what will happen if they try to tell me that I owe the incorrect, higher amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX said that I had a late payment and did not. I was notified by XXXX  that I never paid my bill on time. After they researched my account they found out I tried to pay it and the agent at XXXX didnt do their job right. XXXX reversed all my late charges and apologized. I disputed it with the credit bureaus after XXXX said they could do nothing. XXXX is still reporting that I am late
Product: Credit reporting, credit repair services, or other personal consumer reports

my account with XXXX XXXX XXXX kept showing disputed amounts that I called back in XX/XX/XXXX. I told them that these amounts were being disputed. time flew by and I never received any credits for this amount they eventually closed my account and still till this day I do not see those credits. XX/XX/XXXX {$7.00} ; XX/XX/XXXX {$3.00} and {$10.00} ; XX/XX/XXXX {$3.00} and {$10.00} ; XX/XX/XXXX {$7.00} ; XXXX XXXX {$7.00} and XX/XX/XXXX, {$10.00} ; and XX/XX/XXXX, {$7.00} and XX/XX/XXXX, {$10.00} XX/XX/XXXX {$10.00} and XX/XX/XXXX {$7.00}, XXXX XXXX {$10.00} & {$7.00} I called several times and somehow they don't understand my concerns maybe you can help resolve this. please
Product: Debt collection

I have filed multiple reports, disputes, and complaints with XXXX XXXXThere are multiple phone services suddenly popping up on my collection reports and this is just one of the 3 I have to remove. My XXXX has also been compromised. I lack any knowledge of any account associated with XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts were opened fraudulently without my permission or authorization, I demand for them to be removed immediately by law- the list of accounts with full account number and open date are below Fraudulent accounts- 1.XXXX XXXXopen date XX/XX/XXXX 2.DPT ED/XXXX- open date XX/XX/XXXX 3.DPT ED/XXXX- open date XX/XX/XXXX 4.DPT ED/XXXX open date XX/XX/XXXX 5.US DEPT ED- open date XX/XX/XXXX 6.XXXX original creditorXXXX XXXX XXXX XXXX XXXX open date XX/XX/XXXX 7.XXXXXXXX XXXX college- open date XXXX XXXX 8XXXX XXXX open date XXXX XXXX 9.XXXX original creditor-XXXX XXXX XXXX XXXX XXXXopen date XX/XX/XXXX FRAUDULENT INQUIRIES 1XXXX XXXX Date open XX/XX/XXXX 2.US SM BUS ADMIN ODA date open-XXXX XXXXXXXX, XXXX 3XXXX date open-XXXX XXXX XXXX FRAUDULENT ADDRESS 1.XXXX XXXX XXXX XXXX XXXX FL XXXX 2.XXXX  XXXX XXXX XXXX XXXX FL,XXXX 3.XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX 5.XXXX XXXX XXXX XXXX FL XXXX FRAUDELENT NAME 1XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting a collection from XXXX ... .I have challenged the 100 % accurate reporting of this account as required by law for over a year and they keep stating that it is verified as accurate ... ..they are definitely not conducting a full and proper investigation and are violating my consumer rights ... XXXX and XXXX could not verify nor validate this supposed debt and deleted it over a year ago and i expect experian to follow suit,,, ,ii have attached aa document from XXXX stating that the amount owed is supposedly {$7000.00} and i ve attached experian reporting it as {$7000.00} ... there is a variation therefore this account is not reporting 100 % accurately as required by law...
Product: Checking or savings account

I was never given the reason why my account was closed since XX/XX/year>.
Product: Checking or savings account

My father passed away on XX/XX/XXXX holding > {$20000.00} in his Bank of America checking account. I was later appointed personal representative for his estate by court order. On XXXX, I informed Bank of America of his passing, and was told that they would contact me with details about how to transfer the funds in his account to his estate. After several weeks, I received a Bank of America form in the mail. On XXXX, I visited a Bank of America branch in person, providing all documents including their form, my court authority, death certificates, etc. I was told that they would send me a check in the mail. On XX/XX/XXXX, I received a letter stating that a document was missing. I called Bank of America estate department on XX/XX/XXXX and was told that the Bank of America employee had faxed a document incorrectly to another Bank of America employee ( omitting the cover page and a trailing page with no writing ). On XX/XX/XXXX, I visited another Bank of America branch and again provided all necessary documents. Although I was told that a check would be sent, I heard nothing until I called the estate department on XX/XX/XXXX. I was told that a Bank of America employee had again faxed a document incorrectly to another Bank of America employee - this time my mother 's death certificate - where the claim was that the fax had omitted part of the document. I requested a way to provide the document myself. I was provided with an account to upload documents. I uploaded a copy of my mother 's death certificate via the online portal. I also provided a copy via email. I called again on XX/XX/XXXX and was told that the copy of the death certificate was " blurry ''. I examined the photo on my computer and it is in no way blurry - I can read every single word! Thus, any bluriness ( if such really exists ) must have been due to thier portal ). I was told to visit a Bank of America branch again as a resolution. Bank of America has now held on to the funds in my father 's account for over 3 months without any resolution in sight, even though I have provided all necessary documentation in the form of court orders, death certificates, and their own estate forms multiple times. ( note : I am attaching the " blurry '' death certificate for reference )
Product: Credit card or prepaid card

On XX/XX/2020 I got email stating temporary block to validate my transactions. Ive called emailed multiple times as per they requested via my email. Ive provided everything requested of me and so have my room mates yet card .com wont give me or any of us our money and so I called my depositor she gave me all my trace numbers to every deposit card.com has accepted and deposited yo my account was told review would take 24-48 hours as you see well over 24-48 hours they been holding peoples funds and refuse to send refund checks as weve requested as per thier terms an conditions yet they refuse when there is proof Ive provided that every time XXXX call my identity is verified yet 2 years later they still have peoples money and will not give it back. Ive lost my job my home my car my life because they refuse to give people thier money even after Ive provided trace numbers witch are verifiable and IF THERE WAS A PROBLEM WITH MY BENEFITS SHE WOULDNT OF GIVEN ME THE DEPOSIT TRACE # XXXX SO WHAT GIVES THEM THE RIGHT TO KEEP MY MONEY? ALSO THEY NEVER CONTACTED ME ONCE REVIEW OF TRACE NUMBERS I FAXED AND HAVE PROVIDED PROOF OF DOCUMENTS. I CALLED THEM TO SEE IF THEY RECIEVED THE FAX MAN SAID YES THEY RECIEVED IT AND THAT DEPOSITOR NEEDS TO RECALL THE FUNDS. I TOLD HIM DEPOSITOR SAID SHE CANT RECALL THE DEPOSITS 2 YEARS LATER. SHE SAID THEY ACCEPTED AND POSTED DEPOSIT TO MY ACCOUNT SO THEY HAVE TO GIVE ME MY MONEY. ALSO WHEN I CALL CARD.COM THEY TELL ME THERE IS A TEMPORARY BLOCK NEED VERIFY TRANSACTIONS ON MY CARD YET ONLINE IT SAYS MY CARD IS CLOSED AND THERES A XXXX BALANCE NO ONE CAN TELL ME WHERE MY MONEY IS AND ITS NOT WITH THE STATE EITHER. THIS COMPANY IS NO BETTER THAN XXXX XXXX  XXXX CARD.COM SHOULD FACE A {$220.00} XXXX PENALTY JUST LIKE XXXX XXXXXXXX XXXX CURRENTLY IS FOR DOING THE EXACT SAMETHING CARD.com DID TO THOUSANDS OF PEOPLE. Ive lost everything because of this company and they could care less. Your prepaid company its not your money. Remove block. Now give me my money. They also sent me an email XX/XX/XXXX stating they reopened my account yet that was a lie its still blocked and my money is gone.
Product: Mortgage

I hired this company because they contacted me making promises that they could help me by filing info with federal agencies by filing complaints on my behalf but never did file anything for me and never did anything to assist me after receiving my money. They advertise they can save my house, get government to go after the lender and get me a modification. They did not do anything as advertised. I paid them upfront {$1500.00} + {$120.00} to use their notary service and after that I never got anything. I had to file for a short sale to stop the sale date on my property. Shortly after I contacted them after no responce to inform them that i had not received anything from them to verify what they have done and I was then sent some bogus information from them. At that point I was then informed that they would not be sending the information out but i would have to send the information and that they only would provide documents for me to send. I then requested that they cancel the contract and refund my money. I was then informed that they sent me a link to do so and they needed something in writing, so i drafted a letter and sent it to them and requested a refund but i have not received a response. This company is a scam and I would not recommend that anyone hires them to assist them with help to retain their mortgage. Please assist me with getting a refund from these XXXX and help me to put the lying scam XXXX in jail!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this several times, several months ago I sent in a certified letter asking for Validation of this debt, Instead, I continued to get an XXXX XXXX electronic response showing verified without any supporting documentation to substantiate the claim pursuant to the FDCPA 15 USC 1692g on today I redisputed this item online, asking for Validation of this debt by providing me with the method of Verification i.e Validation of this Item XXXX XXXX XXXX XXXX. I requested the documents that Transunion Credit Bureau provided to the information provider and the documents that the information provider sent to Transunion to substantiate their claim.
Product: Consumer Loan

Synchrony Financial has locked me out of the account for almost 11 months. I try to access to pay the bill and the system will not recgonize my Correct information. Unable to access to pay the bill they have slapped me with horrendous finance charges. Ive call many times to no avail, files a dispute stating I can not access to pay with no result. Contacted their collection service and tried to explain with no result. No one seems to get the fact that I wanted to pay, I was several months ahead of the no intrest schedule when this happened. I have both audio and video recordings that prove their system is locking me out. No one will acknowledge this fact. I have hired an attorney to try to help me resolve at XXXX per hour.
Product: Credit card or prepaid card

This was a XXXX or XXXX month XXXX interest credit card with a XXXX credit limit. I paid off my credit card XXXX XXXX XXXX. And my account closed on XXXX XXXX XXXX. I'm concerned that this is going to impact my XXXX  score. They have no answers. This is frustrating because I wanted to use this card because I still had a few months to XXXX interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX and XX/XX/XXXX I provided Equifax, XXXX and XXXX  Credit Bureaus with proper documentation that I was a victim of ID Theft. I also filed am official report with the FTC as we. To date Equifax is the only bureau that has not removed these fraudulent accounts from my credit report. This is hurting my credit and potential new hire at firm I have submitted my resume to. The accounts that are due to ID Theft were with XXXX XXXX   account number XXXX opened on XX/XX/XXXX in the amount of {$430.00} and also XXXX  account number XXXX opened XX/XX/XXXX in the amount of {$200.00}. My attorney is taking legal steps to hold Equifax accountable for not following the Fair Credit Act Laws accordingly.
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, I was attempting to purchase XXXX XXXX XXXX football tickets from the XXXX XXXX  " XXXX XXXX XXXX. '' I was instructed to pay {$500.00} via XXXX XXXX. XXXX XXXX did not work, and then I was then instructed to send the {$500.00} via Venmo to " XXXX XXXX '' ( XXXX  XXXX ). I sent the {$500.00} using Venmo tied to my XXXX XXXX  checking account. I found multiple accounts linked to whom I was sending the money which made me believe I was being scammed. I then immediately contacted Venmo to alert them to the fraud and provided over 20 Venmo accounts related to the fraud, including potential perpetrators, before the money was moved to other accounts. Venmo did not react with any sense of urgency. I then reached out to XXXX XXXX and had the transfer from the bank to Venmo stopped. Venmo then suspended my account for non-payment. 

Venmo instructed me to file a police report with my local police department to present to Venmo to dispute the charges. Law enforcement chose not to investigate. 

I have repeatedly reached out to Venmo to restore my account due to fraud. Venmo has yet to restore my account.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized. I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.