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

On XX/XX/2021 my XXXX year old grandson was looking in my phone and had mistakenly made a purchase at XXXX for the sum of {$330.00}. We were dining out at XXXX XXXX  XXXX 's Restaurant. After I had gave my debit card to the waiter I look into my phone and went online to my bank account to see how much they had charged me for the dinner when I notice that I was in the negative for - {$220.00}. I then went down the list of items to see how and what was ordered when i noticed that my grandson had ordered {$330.00} worth of toys I immediately left XXXX XXXX  XXXX and went to call XXXX to cancel the order I spoke to a representative and was told that the order had been canceled and that I would be receiving a email wihin 24 to 48 hours. The next day XX/XX/2021 I had recieved the email but the money was still not put back into my checking account I then called XXXX and TD bank and had spoken to both representatives and the TD Bank representative had canceled out the card that the order was made from because I had not given XXXX permisssion to keep my account on file and they did so any ways. the representative from TD bank told me that my funds would be put back in my account no later than Friday XX/XX/2021 and due to the matter of the case that as long as XXXX releases the money I would not be charged a fee. because I was over drawn for the sum of {$220.00} and I had taken {$400.00} from my saving and put it into my checkin to cover the balance of the over drawn fee. So friday comes and still my moneys had not been put back into my account so I called TD bank when a representative told me that the money was to be released on the XXXX of XX/XX/2021 and would be available on that following monday. So on that Saturday I went and check my account and {$170.00} was put back into my account but the overdraft fees were still there so I called again to TD bank and the representative put the over draft fees back. On XX/XX/2021 I went to check my bank account and see if the remainder had been put back and I see that I was overdrawn {$310.00}. I call TD bank and then I went into the XXXX, MA branch with XXXX on the phone and soon as I hung up from XXXX all XXXX bioke lose they started saying that the money was put back and they did not know about the {$170.00} because I screen shot everything and I had XXXX send me confirmation of the transaction. On the evidence that I have given to you you can see that all the transactions tha TD bank did are suspect because it doea not show the true factor and I ant my money back I can show that this is not the first time they have done this even back in XX/XX/XXXX, XXXX XXXX With XXXX XXXX I was suppose to get a return and I did not I have the email but the transaction does not show up on my banking account as a purchase or a return the same with XXXX XXXX I have the receipt for the transaction and refund but it does not show up on my bank statement This has gone on too long and something needs to be done
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted a dispute dated XX/XX/2020. It was received on XX/XX/2020. There has been no notification of any disputed started by Trans Union. Its been more then 30 days and no investigation results have been produced either. Trans Union did not conduct an investigation into the dispute of the inaccurate credit items I requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC 1681 section 602 states I Have the right to Privacy.

15 USC 1681 section 604 A Section 2 It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B A Creditor may not treat a payment on a credit card account under an opened consumer credit plan as late for any purpose.
Product: Checking or savings account

XXXX SENT ME AN ACCOUNT REFUND CHECK. 

I DEPOSITED THE CHECK ELECTRONICALLY WITH FROST BANK ON XX/XX/XXXX, AND IT SHOWED UP AS A DEPOSIT IN MY CHECKING ACCOUNT ON THAT DATE. 

ON XX/XX/XXXX, FROST " RETURNED '' THE CHECK ( DEBITING MY CHECKING ACCOUNT ) WITH NO REASON GIVEN. 

I SPOKE WITH FROST AND ASKED WHY AND THEY STATED THAT THE PICTURE OF MY CHECK WAS UNREADABLE IN THEIR SYSTEM AND SO THEY CANCELLED THE DEPOSIT AND DEBITED MY ACCOUNT FOR THE SAME AMOUNT ( {$1400.00}, XXXX ). 
NORMALLY WITH THE FROST SYSTEM, IF A CHECK PICTURE IS UNREADABLE, THEY GIVE YOU THAT NOTICE AT THE SAME TIME AND ADVISE YOU TO REDEPOSIT THE SAME CHECK AND WRITE " REDEPOSIT '' ON THE BACK OF THE CHECK AND TRY AGAIN, AND, SO I COMPLIED AND DID WHAT THEY ASKED ME TO DO, TWICE, IN CASE THEIR SYSTEM SCREWED UP AGAIN BUT BOTH ATTEMPTS SHOWED UP IN MY ACCOUNT AS " DUPLICATES '' AND SO BOTH " REDEPOSIT '' ATTEMPTS FAILED. 
I SPOKE WITH A FROST ADVISOR, XXXX, WHO ADVISED ME THAT I HAD TO SEND THE CHECK SNAIL-MAIL TO FROST 'S XXXX BANK-BY-MAIL DEPARTMENT '' IN XXXX XXXX, TEXAS WHICH I DID ON XX/XX/XXXX, BUT, BEING IN XXXX DURING XXXX, IT WOULD NOT GO OUT UNTIL XX/XX/XXXX. 
ON XX/XX/XXXX, I CALLED XXXX TO TRY AND GET THE CHECK CANCELLED AND HAVE A NEW CHECK REISSUED, BUT THEY STATED THAT MY ACCOUNT WAS CLOSED AND THEY COULD NOT DO THAT. BUT THEY DID SAY THAT THE CHECK HAD BEEN PROCESSED ON THEIR END ANYWAY. 
I RECONTACTED FROST AND THEY STATED THAT THEY HAD RETURNED THE CHECK AMOUNT TO XXXX AND NOTHING FURTHER COULD BE DONE. 
SO I AM CONTACTING YOU IN CASE SOMEONE WITH AN OPERATING MIND CAN FIX THESE CODING PROBLEMS AT FROST AND XXXX. BOTH FROST AND XXXX HAVE SO THAT THEIR SYSTEMS CAN NOT HANDLE A SLIGHTLY MORE COMPLICATED, SINGLE OPERATION. 
FROST APP DID READ AND DEPOSIT THE CHECK INITIALLY, BUT SOMEHOW FOUND SOME ERROR LATER INSTEAD OF THEN AND THERE, SO THAT THEY " RETURNED '' THE CHECK AND DEBITED MY CHECKING ACCOUNT. 

WELCOME TO THE 21st CENTURY WHERE THE BANKING SYSTEMS ( BOTH ) CAN NOT EVEN SIMPLY DEPOSIT A SINGLE CHECK. 


HELP!!!!!!!!!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Information on my credit report provided by XXXX and Transunion that states I have severe delinquent accounts which is NOT true is negatively affecting my ability to get credit. I have 100 % payment history!! This is beyond ridiculous and was a corporate account that was handled with XXXX in 2013.
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft. There are inquiries on my Experian and Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX
Product: Credit card

On XXXX, it appears someone tried to open/ apply for credit using my information. XXXX sent my credit file to the following companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DISCOVER FINANCIAL SERVICES. XXXX XXXX and on XXXX XXXX XXXX
Product: Credit card or prepaid card

Apple Card by Goldman Sachs has problems with supporting their system while protecting confidential information. I spent 1.5 hours speaking with multiple reps and supervisors about a charge for an online purchase by a family member that was rejected ( for security, I guess ) and I couldn't see nor could I fix even after they apparently approved the charge. After any hour of chat in which the agent didn't respond for more than 10-15 minutes at a time and never responded, I eventually asked for a supervisor. The supervisor then told me to call XXXX for technical support and then disconnected my chat. But of course, XXXX should never have access to my private financial information, so I objected but had to call Goldman 's customer service line since they disconnected the discussion. Despite talking with multiple supervisors, at the end of the XXXX hours, Gloldman Sach 's only customer tech options were to contact XXXX. This is crazy as XXXX should not be reviewing individual financial transactions in the Wallet nor should I have to share my confidential financial information with XXXX to get technical support. Hard to understand with such large financial services companies. While the charge eventually appeared the next day, no one has contacted me to explain or help so I can even figure out how to avoid the problem in the future. But sending me for customer service to an outside company and need to disclose confidential information seems more than inappropriate. If Goldman Sachs is offering the credit card, they should provide necessary support to protect my confidentiality.
Product: Credit reporting or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute the accuracy and validity of a charge-off account that has been reported on my consumer report. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I have the right to accurate and complete information in my credit reports. I believe the information regarding this charge-off account is inaccurate and/or incomplete, and I request an immediate investigation into this matter. 

XXXX Account XXXX Inaccuracies and Issues 1. Account Balance and High Credit Conflict : o Balance : {$5600.00} o High Credit : {$5600.00} o Credit Limit : {$4200.00} o The high credit matches the balance, but both exceed the credit limit, raising a red flag for verification. 
XXXX. Discrepancy in " Last Reported '' Dates : o TransUnion : XX/XX/XXXX o Experian : XX/XX/XXXX o XXXX : XX/XX/XXXX o Future reporting dates violate the FCRA 's accuracy requirements. 
XXXX. Conflicting Comments : o TransUnion : " Dispute resolved ; customer disagrees. '' o XXXX : " Subscriber reports dispute resolved - consumer disagrees. '' o XXXX : " Consumer disputes after resolution ; charged off account. '' o The comments indicate unresolved disputes despite being marked as " resolved, '' leading to inconsistent reporting. 
XXXX. Date Last Active and Date of Last Payment Issues : o Date Last Active : TransUnion : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX o Date of Last Payment : TransUnion : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : Missing information. 
XXXX. Payment Status Conflicts : o All three bureaus list " Collection/Chargeoff, '' but the payment history shows inconsistent " CO '' and " OK '' marks, especially for XXXX, XXXX there is a mix of " OK '' and " XXXX '' XXXX. Two-Year Payment History : o The payment history shows " OK '' statuses in some months even after the account is listed as charged off, leading to reporting contradictions.
Product: Student loan

I have numerous complaints regarding this loan servicer. 

1. They have been increasing the interest rate quarterly since XX/XX/XXXX, and I contacted them on XXXX XX/XX/XXXX to ask why my payment increased. They have not given any notice of interest rate increases since this date and my montly payment has increased from {$210.00} per month to now {$460.00} since this date. I'm being charged roughly {$330.00} in interest per month ( now 11.91 % ) and my balance has not fallen under {$37000.00} for years. I've had to take forbearance for a time, which I know did affect this- but I had to take forbearance because I could not afford the increasing payment and they will not work with me on creating a more affordable payment program. I don't think I'll ever get ahead on this loan because the interest is unreasonable! I've contacted them many times- XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. All attempts to lower monthly payments/ make my payments better count towards my principle balance because I have XXXX federal loans on top of this one. I entered repayment on this loan in XXXX with a XXXX balance - I now owe XXXX. That's with a mostly consistent repayment- with a few forbearances due to XXXX/work changes. I don't think this student loan will ever be paid off because they keep raising interest rates on a quarterly basis. Which is something the bank employee did not prepare myself or my co-borrower for when we met with them in person. I've been told that I should refinance and then told separately that I do not qualify for refinancing. There is zero help offered to borrowers here. 

XXXX. Both myself and my co-borrower, XXXX XXXX, have noticed that this loan is showing as settled/closed on our credit reports and negatively affecting our scores. As I have never settled this loan and as I have also been making on-time payments since coming out of XXXX XXXX  XXXX XXXX XXXX XXXX is obviously not a closed account. 
My credit report is showing that the account was closed in XX/XX/XXXX and has not updated with my on time payments from XXXX and XXXX. The comment line on this entry on my report reads : " Account closed at credit grantor 's request. '' As I graduated in XXXX and am still in repayment- this should not be showing as a closed account in XXXX as I " separated '' from the school in XXXX. And further- we should be told if something is going to affect our credit scores YEARS after separating from said school. No need to harp on how important credit scores are to those attempting to rent, buy a car, buy a home, etc.
Product: Credit reporting or other personal consumer reports

midland credit adjusters and XXXX and XXXX XXXX have all illegally reported transactions that are inaccurate and they never had my consent and I am a protected consumer by federal law and I have a right to privacy and I have to be notified that i have the right to opt out due to my right to privacy act of 1974.

they have been reporting and causing me to have a lower score, damaging my to credit and violating my right to privacy and they are not to report without my expressed and written consent 15 usc 1681 and I need this account to be updated and deleted as I have NO COLLECTIONS. They are violating the FCRA and the FDCPA. I have a right to privacy and they are violating me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked at my report and noticed that there are many inquiries listed that I did not recognize or authorize. 
I will list those items here : XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX, XXXX  XXXX XXXX XX/XX/XXXX, XXXX on XX/XX/XXXXXXXX XXXX XXXX  on XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act this creditor has violated my rights. Under 15 USC 1681 Section 602, it states that I have the right to privacy. Under 15 USC 1681 section 604A section 2, it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b, a creditor may not treat a payment under an open end consumer credit plan as late for any purpose. The payment was reported late in XX/XX/year> and XXXX XXXX  to Equifax, XXXX, and XXXX despite violating the aforementioned statutes.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've contacted XXXX XXXX XXXX XXXX & they told me I've never missed a payment, yet Experian refuses to remove me from being listed as late on XX/XX/2020 and XX/XX/2020 on the account. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do Experians job for them to shield my credit & prove my identity. I've sent documentation of the concerned months in question prior and they STILL refused to remove these damaging negatives from my profile. 


XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

The debt collection company known as IC Systems purchased the debt of {$310.00} dollars from XXXX XXXX XXXX and did not send notices and correspondence regarding the debt. Instead, they reported the debt to the credit reporting agencies. I found out about the debt through XXXX XXXX. This is a clear violation of the Fair Debt Collection Practices Act. The debt collection company did not verify that the debt was mine. I never received any notices about this debt, and I do NOT owe this debt. Once I learned of the debt, I contacted the company to dispute it and the company refused to dispute it and remove the collection from the credit reporting agencies. Instead, they sent a letter threatening to report the debt to the national credit reporting agency. I am NOT paying what I do not owe.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX : I got a notification that there was fraud reported on my checking and savings accounts and Chase would be closing and or restricting my accounts, I called Chase to see why they closed and restricted my account, there response was that it was the banks decision & gave no explination of why they closed the account. 

XX/XX/XXXX : I call Chase bank about when I can expect the cashiers checks to be sent, and I am told that they would be sent on XX/XX/XXXX XX/XX/XXXX : I return home from my trip to find one cashiers check for {$130.00} which was the amount in my checking account at the time that my account was closed XX/XX/XXXX : I called the bank to follow up on the status of the second check for the balance that was in my savings account which is {$510.00} and I am told that it would arrive in about a weeks time I call the bank a few times during these 2 weeks and I am told that the funds are being Investigated by the asset recovery team. 

XX/XX/XXXX : I return home for the weekend, and my father and I call Chase bank to follow up on the status of the funds, and we are told that they are still under investigation by the asset recovery department
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted transunion, rentprep and rent grow. They have not responded or informed me of my dispute status. There is no case is in XXXX XXXX 's records, they are reporting inaccurate information that is preventing me from acquiring housing.
Product: Student loan

In XXXX, I was attending the XXXX XXXX XXXX XXXX and was misled when enrolling in so many ways. One of which was in taking private loans from Navient ( previously known as Sallie Mae ) to finance my education. These private loans came at a high interest rate and had a high risk of default -- in part due to predatory lending practices and well as being misled about education and career opportunities by the school. 

One of my Loans was for {$13000.00} and was dispersed in XXXX of XXXX. Since then, I have paid over {$16000.00} in accrued interest and still have an unpaid principal of {$8300.00}. 

The other loan was for {$10000.00} and was dispersed in XXXX of XXXX. Since then, I have paid over {$7000.00} in accrued interest and still have an unpaid principal of {$4400.00}. 

The estimated payoff date for both of these loans is in XXXX. 

Since graduating in XXXX, I have struggled to pay off my loans -- often having to choose forbearance or deferment while interest continued to accrue. I have been consistently strong-armed by Navient n an effort to be able to enter into repayment or to simply make payments. They used scare tactics as well as other means of harassment to get me to agree to various repayment terms. Eventually I was scared into an extended repayment plan which the company has profited from greatly due to the ridiculous amount of interest that has been paid and will continue to need paid. 

Navient has already been sued by XXXX state AGs regarding predatory loans to attend for profit schools such as the XXXX XXXX. This is ridiculous to allow this to continue to happen.
Product: Credit reporting or other personal consumer reports

Ive mailed two letters now via US mail and received no response. My credit report does not reflect correct information. Example, the information shown when utilizing XXXX XXXX or applying for financial products. The credit reporting system returns a different file than what I see when I log into your own website. Over the course of my life, your organization has always been light years behind the other two. Most recently my mortgage from XXXXXXXX XXXX  is listed that it is closed. It is not closed. It is still active, and it shows when I log into your website as well however, the report when someone looks at my file, when applying for things shows its closed. I want this fixed and if it is not fixed, I am going to pursue hiring an attorney at this point. I am tired of dealing with your negligent reporting behaviors.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am unable to access my Equifax account to dispute an item on my credit report. When I log in, I get a message saying to please customer service. I spent over an hour with Equifax customer service at phone number XXXX in XXXX and went through extensive verification and they said they would " work on it ''. I received subsequently an email saying it was resolved, but when I tried to log in it gave me the same error. I replied to them by email but did not get any response back. I also called again and they keep saying they will work on it but I have not gotten any written response or phone call back and it is still giving the same error. As a result I am unable to access my Equifax score report through their portal and I am unable to use their online dispute resolution service to address an incorrect item on my credit report.