23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

XX/XX/2017 I asked the company to closed my account and If I could return such merchandise. They refused to take back the product, but let me close my account. But, I began to receive more interest and hiked payments. I called again to speak with top management and they refused to help. So, I filed a dispute with XXXX. No, results. They still were charging me money. And, still doing so. My status is Closed /Never late, but this company refuses to stop charging me. It started XXXX  it's now XXXX. please help. Company Barclay 's.
Product: Credit card

Bank of America abruptly and without warning closed my credit card account after 16 years. I called to find out why and was told they reviewed my credit report and decided to close the account. My account was and is in good standing with timely monthly payments. 16 years of an account in good standing. How can BOA close it abruptly without any cause?
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One Neimen Marcus bank provided me a payment deferment since my husband was furloughed and then Reported my payment late.

They corrected late fee and interest payments but never fixed my credit report. They told me I need to dispute it.

My credit report * Capital One/Neimn charge account ( last lateXX/XX/XXXX )
Product: Student loan

In XXXX of XXXX, I enrolled in a XXXX with XXXX of NJ ( now XXXX University ). It was a new program and I along with a handful of other students were the first inaugural class. The program was described as a XXXX program for highly qualified legal students. Further, we were told that the program would eventually be XXXX ( XXXX ) certified. However, the program was first " downgraded '' to just requiring an XXXX and then eventually discontinued in XXXX as no " profits '' were being earned by the institution. Only XXXX students completed the program over four years and there was never an XXXX approved process. This has made the certificate, which I originally paid over {$16000.00} for, useless. I now owe over {$18000.00} with interest and have been making payments for over 6 years. I would like the institution to refund me the original amount plus interest since the school no longer offers the certificate and since it was never XXXX approved, which most employers want in a XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Both XXXX and Transunion do NOT accurately report my student loan information on my credit report. XXXX is reporting the account accurately as the student loan is in perfect standing. This loan information in good standing with perfect payment information should be reported accurately on both XXXX and Transunion as it is reflected on XXXX. I have disputed this point many times with both agencies and called XXXX to make sure they are reporting- XXXX has assured me that they are accurately reporting my accounts.
Product: Student loan

On XX/XX/2022 I reached out to Mohela to get a refund of the payments I made during the Covid student loan payment pause. At the time of my payments my account was with XXXX, however the loan has since been transferred to Mohela. Unfortunately I do not have documentation of each payment now that I can no longer access it on the XXXX website, but the total is over {$4000.00}. Upon my first call Mohela gave me a figure that matched my own calculations. Mohela originally quoted that I would receive the refund in 4-6 weeks. When that didnt happen I called back and was quoted 90 days. When that didnt happen I called again and was told there were no updates or an approximate timeline. When I called today the call was immediately disconnected ( 5 times ) after I stated the purpose of my call. I have never been contacted by Mohela in regards to this issue.
Product: Mortgage

Good day, I am attaching the report sent to me by XXXX. It shows that my mortgage account may be considered negative. In the report i highlighted the months that I have already paid that have not been updated. 

The Mortgage was in forbearance and I have decided to go back and pay all the months of the forbearance even before the end of that forbearance. Logically, and through common sense, the accounts can not be overdue. All payments paid through the forbearance are paid on time because all payment was suspended and nothing was due. So, if the customer decide to go back and pay the account, the payments are made on time. 

I paid my mortgage to do the right things during the pandemic by borrowing money with the only purpose of being current with my mortgage. Wells Fargo should update my mortgage information. 

In the case they decide not to update the information, they should put the months of XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX at the back of the loan and give me back the amount already paid for those months.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX You are in direct violation The Fair Credit Reporting Act ( Credit Acceptance # XXXX ), has violated several of my rights. 

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies Knowingly gave loan that would default.

Sec. 1692d - Harassment or abuse Using credit reporting agency to harass me and abuse Remove this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act
Product: Credit reporting or other personal consumer reports

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General. 

Summary of Accounts being Challenged in list form : XXXX XXXX XXXX  Late Payment {$8200.00} XXXX XXXX XXXX XXXX Charge-off {$3000.00} XXXX XXXX XXXX Charge-off {$1300.00} XXXX XXXX XXXX Charge-off {$99.00} XXXX XXXX XXXX Charge-off {$5400.00}
Product: Debt collection

I saw on my credit report I had XXXX collection accounts. I called the Collection company to pay and they refused to allow me stating I didnt have the full account number. Due to me not having the full account number to pay, they stated they had every right to ruin my credit. This is extremely unfair as I am willing to pay and they will not allow me. 
I explained I never even received a bill, nor do I see it on my insurance information and they refuse to send me another bill thus making it more impossible to pay the account.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information which is being posted to my report.

Here is the list of items which do not belong to me or were opened without my permission. 
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 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 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 XXXXXX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Consumer Loan

I took out a loan with XXXX XXXX in XXXX of XXXX for {$2500.00}. My interest rate was set at 138.85 % with monthly payments of {$290.00}. After making 2 years worth of payments, over {$7000.00}, I finally submitted a complaint. My loan was moved from XXXX XXXX to CashCall to XXXX XXXX where they offered to reduce my interest rate to 20 % with a monthly payment of {$110.00} around XXXX of XXXX. It is now XXXX XXXX and my loan has been moved back to CashCall. After doing some research, I found out that in XXXX of XXXX, our Attorney General ( MO ) sued XXXX XXXX controlled by XXXX XXXX and this operation is prohibited from making or collecting on any loans in Missouri. The lawsuit also cancels existing loan balances for Missouri borrowers but I am still receiving notices that my monthly payment is due and will be extracted.
Product: Checking or savings account

I switched cell phone companies turned the phones into the new company who had a promotion to pay the cell phones off to the old merchant. XXXX which was the old merchant charged my bank account XXXX which caused a negative of that amount on my account. I never authorized them to charge my account for that payment. I call SunTrust in which disputed the claim it was approved and I was issued a new debit card. The transaction was attempted again at that time 4 attempts  were tried and SunTrust allowed the purchase I again disputed that claim and SunTrust closed the new card that was issued and resent me another card. The dispute came back onto my account this time causing me to be negative XXXX. No one in SunTrust claims could advise me why they allowed my account to over draft almost 2 thousand dollars, and neither was she cooperative in helping me she stated that the merchant had a contract. I advised to her I never signed a contract because no longer did contractual plans. SunTrust was not on my side and failed to protect my account. I explained to her that the issue has happened three times now with this merchant. I have cleared my rent check and many other authorized expenses and this will cause me to be placed in a horrible situation.
Product: Debt collection

XXXX XXXX XXXX XXXX ( aka XXXX XXXX XXXX XXXX ) located in XXXX, NY reported me to National Credit Systems, a collections agency on XX/XX/XXXX for {$3200.00}. Our dispute originated on XX/XX/XXXX when I moved out from my apartment 10 months early from a year lease. 

At issue is my recruitment of replacement tenants who qualified and were approved by XXXX XXXX XXXX to move in and signed a new year lease with XXXX XXXX XXXX, that XXXX XXXX XXXX refuses to acknowledge. 

In discussions I had with XXXX XXXX XXXX office personnel, they indicated that if I found qualified replacement tenants, then they would let me out of my lease agreement. Otherwise, I would owe them {$2500.00} for a break lease fee. I advertised and located an interested party and directed them to XXXX XXXX XXXX. The office  showed the couple my 1-bedroom apartment. Then they also showed them a more expensive 2-bedroom as well, which the couple chose. 

XXXX XXXX XXXX is claiming that since the couple did not choose my apartment, I am not entitled to relief from the break lease fee. They instead offered a {$250.00} " referral credit ''. But, there was no mention of this credit type before I directed the interested couple their way. 

XXXX XXXX XXXX benefitted from my recruitment of new tenants to their business. They also benefitted from the 2 months of rent that I paid them. In a move obviously motivated by greed, they chose to ignore my efforts that helped them. In addition, they never returned my {$300.00} deposit, even though I left the apartment in better condition than it was in when I moved in. 

I also feel their alternate offer of a much reduced {$250.00} referral credit is " bait and switch '' tactics. 

Because I would not settle for their lesser offer, they turned me over to collections to deliberately hurt my credit and reputation.
Product: Student loan

Submitted a XXXX XXXX XXXX XXXX through servicer Nelnet under account number XXXX. Nelnet sent me a letter dated XX/XX/2018 ( attached to this complaint ) stating in bold that the review process can take up to 30 days to complete. Thirty days has passed and the status is still reporting as follows per the Nelnet website : Pending Final Approval.
Product: Checking or savings account

On two separate occasions when attempting to access funds from a business account for which I am a registered user I have been put through " additional verification procedures ''. These include answering additional questions, having supervisors and/or mangers come over to help the bank teller, being asked to re-sign a withdrawal slip and having my driver license information scanned and rescanned. When I ask what the problem is and why my transaction is taking so long. I am given dishonest and troubling excuses like we " have to check if there is enough money in the machine ''. This is especially troubling since the balance on the account tends to be between {$70.00} and $ XXXX and the withdrawal amount have been {$3000.00} and {$6000.00} respectively. The date of the last incident happened on Friday XX/XX/XXXX at approximately XXXX. Both incidents happened after providing my bank card and a valid CA Driver License during face-to-face transactions with the teller representative. I have gone to another location and these " extra procedures '' do not take place. Both of the incidents happened at US Bank located at XXXX XXXX XXXX XXXX, CA XXXX. I have emailed the branch manager, and he has not yet resolved the problem.
Product: Money transfer, virtual currency, or money service

Company : Coinbase Deposit {$500.00} on XX/XX/XXXX for a total of {$750.00} in my digital wallet. 
Begin a {$750.00} deposit on XX/XX/XXXX Account is locked for unknown reason later that day ( XX/XX/XXXX )  Proper verification to unlock account is provided by XX/XX/XXXX Payment still goes through on XX/XX/XXXX Support ticket opened on XX/XX/XXXX Wait for response from company for 2 weeks. No response Attempt to call their support hotline numerous times during these two weeks, call automatically ends saying they are too busy. 
Finally get through their phone support on XX/XX/XXXX Support agent says my account has been flagged to be reviewed by a specialist. 
No response since, account still remains locked by withdrawing or transferring any money.
Product: Credit reporting or other personal consumer reports

XXXX, Equifax and XXXX have violated 15 USC 1681 as to reporting 100 percent accuracy to my credit profile. I have have since noticed when trying to purchase a home that ( XXXX XXXX XXXX XXXX XXXX ) Is listed several times on my credit report. Meaning it's being reported under this name and then under the debt collector illegally sold my information to. I by the way have no written permission to sell anyone my personal information. I believe this reporting is a double jeopardy. Although the balances might not reflect under each name I still have the derogatory mark and the negative remarks for both accounts effecting my credit score. But above all not one of the 3 reports for either company reflects the correct or accurate information. It is very deceptive when one shows a whole different amount being {$300.00} and the debt collector shows {$430.00} one company stating the date opened as being XX/XX/XXXX and the other as XX/XX/XXXX. This is impossible to have two different amounts and open dates for the same debt. So with that being said why would anyone reviewing my credit report see this as the same company. They would not and it was made to look this way to cheat the system. This has been very damaging to my report for a long time. I have been being negatively impacted by this and violated in so many different way. The credit bureaus have allowed such to take place. I have brought this to their attention and disputes several times and ways only to receive a validation of the debt back. This is a very slimy way of reporting and does not by any means comply with the frca laws to protect consumers reports. I want both accounts removed from my report or I will take legal action. The FDCPA laws are not being followed and I want it to end now.. I want my creditworthiness back.
Product: Credit reporting, credit repair services, or other personal consumer reports

My mom and I received calls around XXXX XXXX   XX/XX/2018 from XXXX. My mom researched the number and found it to be a debt collector Diversified Consultant Incorporated XXXX XXXX XXXX XXXX # XXXX, XXXX, FL XXXX. She checked my credit report and found that on XX/XX/2018 they reported a collection in the amount of {$990.00} for XXXX XXXX opened on XX/XX/2018 mind you that's only XXXX momths. There isn't an account number associated with this fake account. I never had an XXXX XXXX account. EVER. They haven't contacted me before XX/XX/2018. Mail or anything. This is fraudulent and identity theft.
Product: Credit reporting or other personal consumer reports

I want XXXX XXXX, Experian and XXXX to add and report the following personal information to my XXXX XXXX, Experian and XXXX credit report : Full Name : XXXX XXXX XXXX, XXXX : XX/XX/XXXX, XXXX : XXXX, Minnesota XXXX ID Card Number : XXXX, Issued Date : XX/XX/XXXX, Expiration Date : XX/XX/XXXX, Home Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MN XXXX, Phone Number : ( XXXX ) XXXX, Employer : XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MN XXXX, Employer Phone Number : ( XXXX ) XXXX, Start Date : XX/XX/XXXX to present, Annual Income : {$85000.00} to {$150000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App XXXX Block , Inc ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit card or prepaid card

Citi has repeatedly assured me that credit resulting from a fraud investigation will be issued, but has failed to apply the credit and layered additional incorrect charges on top of it. 

Fraudulent XXXX purchases totaling {$6900.00} on our Costco Anywhere Visa were detected by the Citi system XX/XX/XXXX. I immediately responded by disputing the charges and the card was closed. 

XXXX issued partial credits of {$5800.00} on XX/XX/XXXX and {$120.00} on XX/XX/XXXX. However, reverse charges issued by Citi on XX/XX/XXXX totaled {$8800.00}. The result is a difference of {$2800.00} between the credits and the reversed charges. Several of the XX/XX/XXXX reverse charges appear to have been applied incorrectly ; for example, there are three reverse charges of three different amounts all with the same ID. 

I spoke with Citi representatives in the Security Operations Department on XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, including two supervisors. I was told each time that some action was being taken sending it back to the original investigator, reopening it, doing an internal audit, and submitting a report were the various actions described. Each time I was told to call back in a few days to allow time for credits to appear. 

On XX/XX/XXXX an item simply called Credit appeared on my account that looked like progress. But it was incorrectly applied as a charge, not a credit ( and with a strange XX/XX/XXXX date ). Now the original difference of {$2800.00} plus this incorrect {$1800.00} charge need to be credited to the account, for a total of {$4600.00}.
Product: Credit reporting or other personal consumer reports

I am writing to urgently inform you that I have been a victim of identity theft, which has resulted in multiple fraudulent inquiries on my credit report. These inquiries were made without my knowledge or consent, and immediate action is required to remove them from my record. 

Inquiries : - 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 XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I have already submitted an identity theft report to the Federal Trade Commission ( FTC ) and am requesting that these unauthorized inquiries be removed promptly to maintain the accuracy of my credit report.