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

In XX/XX/XXXX, National Bank of Arizona ( NBA ) sought a banking relationship with us by providing 2 money market and 2 checking accounts with the promise of " no fees. '' We moved our relationship that was on a no fee basis to NBA based on their representations ( XXXX XXXX XXXX, Sen VP and XXXX XXXX, President ). The NBA account on-line forms consistently stated no fees if a balance of {$5000.00} was maintained. At all relevant times, sufficient balances were retained. At first, NBA did not charge fees. Years later, the fees would appear on statements. We called and there were reversed. It happened with additional frequency, and we called ( XXXX XXXX XXXX or XXXX XXXX ) on each occasion resulting in a reversal. The fees were hidden with descriptions of " Business Analysis Fees '' or some other veniculer. When questioned, NBA would state that the fees were for not going paperless. We informed them this was a no fee set of accounts, agreed to go paperless and the fees were reversed. Months later they came back without notice or explanation. We called and were informed that they were reversed. With the preparation of the tax return for XX/XX/XXXX, it came to our attention that the fees were not reversed amounting approximately {$900.00} per account taken from our accounts. The precise amount is difficult to determine because NBA will not provide the information even though we have requested it on 4 separate occasions. On XX/XX/XXXX, XXXX XXXX ( NBA Branch Manager ) informed us that they had been taking monies out of our accounts since sometime in XX/XX/XXXX. No notice of a change in policy was sent and XXXX XXXX stated that NBA changed its policy because they felt that after 7 years of no fees, NBA needed to make money. We were not provided with choices to close the accounts and avoid fees, were not provided with notice of any changes in policy, did not authorize NBA to take fees from our accounts and feel as though we as well as others have been victimized by the NBA XXXX similar to the XXXX XXXX fraud recently coming to light.
Product: Debt collection

Remex XXXX  XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX Reporting debt of {$75.00} when all debts to the company was paid in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX XXXX Account # XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

The investigation conducted was not correct and this collection should be removed from my credit report immediately.
Product: Student loan

On  XX/XX/XXXX  my forbearance was accepted on the amount {$110000.00}. I did n't know I qualified for income driven repayment plan until I spoke with a financial counselor at University  XXXX   XXXX  due to my unemployment in  XXXX  of  XXXX . She sent me the documents needed and how to upload the documents. I uploaded the documents on  XX/XX/XXXX  and it stated uploaded successfully and would take 10-15 business days. When I did n't hear or never received an email I called in  XXXX . They stated that nothing was uploaded but they seen I submitted on that day. The representative then stated they know there is a problem with uploading and they are working on it. I asked if there was any other way to submit because I wo n't be able to make the payments in  XXXX . She stated just resubmit online. I did and still it states that upload was successful but nothing is there. My payments start back in  XXXX  which the representative kept stating but I explained I 'm currently unemployed and just had a  XXXX  which brings my family size to  XXXX  with just my husbands income. They have n't tried to reach out to me to fix the problem or provide me with alternative to submit the repayment plan. I am extremely frustrated because I thought forbearance was my only option. I will be going into Default in  XXXX . I have been trying to get the repayment plan applied before then but they do n't seem interested in helping me in any way shape or form. Makes me wish I did n't complete my dream of obtaining my  XXXX  's in  XXXX   XXXX   XXXX .
Product: Credit card

On XX/XX/XXXX I purchased a vacation package for XXXX XXXX which included XXXX rooms in XXXX XXXX. XXXX double build me charging {$1900.00} two times on my statement. They billled for my exact reservation twice, same dates same rooms same passengers. I promptly reported the double charge to Chase to which they are refusing to help
Product: Credit reporting

Transunion fails to remove the XXXX account. Transunion reports incorrectly that this account is paid monthly. Transunion reports incorrectly this account 's date of first delinquency. Transunion continues to report inaccurate information on my credit file which lowers my credit score. This causes me the inability to obtain credit and lowers my standards of living and causes me to languish and suffer.
Product: Debt collection

I have repeatedly sent this company certifield letters requesting viable proof bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay them. This company continues to send a computer generated statement as proof that the debt is verified and is mine. They are refusing to send me exactly what I am asking for and I have been asking since XXXX 2016. This company continues to report negative marks on my credit report without sending proof bearing my signature that the account is mine or has ever been mine. I am prepared to sue this ageny or 1 ) Defamation, 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Debt Collection Pratices Act ( including but not limited to Section 807-8 ). I want the negative marks removed from all three credit bueaus if XXXX can not send proof bearing my signature and proof that I have or ever had a contractual obligation with XXXX XXXX.
Product: Debt collection

REFERENCE XXXX I TALKED TO THEM AND THEY HUNG UP THE CALL I DO NOT OWE THIS OR KNOW WHAT THIS IS FOR
Product: Money transfer, virtual currency, or money service

A federal tax return which is over {$10000.00} has frozen my account. Then they state that they determined this off of suspicious activity and has chosen to close the account entirely and will be holding the funds for 180 days per loss prevention. I called to speak to a human in regards to this matter however the department that controls this only contacts via email. So I called and spoke to a supervisor by clicking options or choices that were not of this sort which led me to a supervisor who was unable to provide to me any definition as to what loss prevention with the company means. I have no way to communicate with anybody on the phone just email and the answers I get are very vague. Frustrating is an understatement Venmo XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ). 
Harassment under 15 USC 1692d ( Section 806 ). 
Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Fl XXXX XX/XX/XXXX XXXX XX/XX/XXXX TransUnion LLC XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX -Recently , I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 
15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in general it, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall-i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and li ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately : Accounts # XXXX XXXX XXXX - This account is being reported inacqurately, pleas remove this from my credit report immediately.
Product: Checking or savings account

I have a checking account with Chime bank. On XX/XX/22, between XXXX XXXX I noticed XXXX unauthorized charges on my account at a XXXX XXXX gas station in XXXX, XXXX. The charges were as follows : {$120.00} at XXXX for diesel fuel, {$86.00} at XXXX XXXX for premium fuel, and {$120.00} for diesel fuel. I called Chime to dispute the charges immediately, using their 24/7 call center. I was told they would launch an investigation into the disputed charges. They informed me it could take up to 90 days to complete the investigation but discretionary funds ( totaled in the amount being disputed ) may be issued after 30 days if the investigation was not completed. 

Less than 24 hours later I received an email from Chime stating they had concluded their investigation and determined no error had occurred. When I challenged their ruling, they said I could submit supporting documents to rebut their decision. So I went to the XXXX in question to speak to XXXX XXXX. and obtained the XXXX receipts for these fraudulent charges. The XXXX  showed me a screen shot of the security footage to see if I recognized the people using my card info and I did not. I then went to the XXXX police department and filed a police report. I then forwarded the XXXX receipts and the police officers business card with the case number written on it to Chime as supporting documents on XX/XX/22. One day later, on XX/XX/22, they emailed me stating that my documents are insufficient and they stand by their original decision, then they closed the case.
Product: Money transfer, virtual currency, or money service

I send {$400.00} to XXXX XXXX to a bank account I use money gram for the transaction, but hey said the account number was wrong, but how this people can get the money if the name and the account number wasnt same.
Product: Credit reporting, credit repair services, or other personal consumer reports

HiMy mortgage company took advantage of me. Im aware that The CFPB is closely monitoring servicer conduct to ensure that they are complying with all applicable federal consumer financial laws and assisting consumers with resolving delinquencies and preventing avoidable foreclosures. As part of this monitoring, Im aware that the CFPB will continue its heightened review of mortgage servicing complaints, including in particular complaints about challenges working with servicers to use HAF funds. 

I have been impacted by XXXX. On XX/XX/XXXX, I contacted my mortgage Servicer to let them know that I did not have the money to pay for my XXXX XXXX, XXXX mortgage bill, I have been impacted by XXXX, and I asked what my options were at a time when I was still current on my payments. I told them I was aware of the HAF funds program opening in VA on XXXX XXXX, XXXX, and that I would apply that very day, but that theyre estimating 60-days before any payments covering my mortgage would be made. I specifically asked what contact information I should provide to Virginias HAF program, but I also asked what other COVID-relief remedies are available to me right now in the 60-day+ interim while I wait for my application to be processed. They told me there were no other remedies available. I called them every week in XXXX asking if any other remedies existed, I believe 6 times in total. I called them several times in XXXX asking the same question. I called them several times in XXXX. It wasnt until they told me in XXXX that my condo would be foreclosed upon in 10 days time that they told me I had another remedy available, to defer my payment through forbearance, a remedy I was told that had I employed back on XX/XX/XXXX on the date of my first call with them, I would not have had any delinquencies reported whatsoever. My mortgage company did not act in good faith towards me. I specifically asked them what COVID-relied remedies were available. I asked them a good dozen times and it wasnt until they told me Id be kicked out onto the streets in 10 days time ( even though they knew I was approved for HAF on XXXX XXXX, XXXX, and merely waiting for the payment to be sent to themand VAs HAF program was already in communication with them ), that they told me I had another remedy I could use to avoid foreclosure. They took advantage of me. They lied to me. They did not act in good faith to me. Conversely, I was overly diligent in my efforts to maintain good credit. I contacted them over a dozen times. I should not have to pay for their greedy, foul play lies that has negatively impacted my credit approx XX/XX/XXXX and XX/XX/XXXX with delinquent notices posted to my credit. Id like you to correct their foul play, their unfairness, what I would call gross negligence, on their part. What they did to me is not okay whatsoever.
Product: Credit reporting or other personal consumer reports

XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX, ga XXXX Trafficking Block Request Dear Sir or Madam I am a victim of trafficking. The information listed below which appears on my credit report is the resort of that trafficking XXXX XXXX XXXX Account Number XXXX please remove it from my credit report XXXX XXXX Date of inquiry : XX/XX/year> please remove it from my credit report XXXX XXXX Date of inquiry : XX/XX/year> please remove it from my credit report XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/year> please remove it from my credit report XXXX Date of inquiry : XX/XX/year> please remove it from my credit report XXXX XXXX XXXX Date of inquiry : XX/XX/year> please remove it from my credit report XXXX XXXX XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report XXXX  Date of inquiry : XX/XX/year> please remove it from my credit report XXXX  Date of inquiry : XX/XX/year> please remove it from my credit report Please block this information from my credit report within four business days, pursuant to section 605 C of the Fair Credit Reporting Act.

Please send me notification of the action taken, i appreciate your prompt attention to this matter Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have no information pertaining to these inquiries, and the company proceeded without consulting me.
Product: Credit card

My complaint is about Capital One bank, about a credit card account. I was told that my account was restricted due to overdue payment, & that all I needed to do was pay about half of the balance due to reactivate my credit card. So I mailed in a check for the ENTIRE balance, and it was delivered, cashed, and posted onto my account. The very day the check posted onto my account I called to have the restriction removed so I could use the card again, but the representative on the phone told me that Capital One closed the account, and I just lost everything I just paid them. No notice WHATSOEVER, in fact it STILL states in my app that the account is still open and just restricted. Then I re applied for another credit card with them, and they DENIED ME?!?
Product: Credit reporting, credit repair services, or other personal consumer reports

When I first leased my vehicle in XX/XX/2017, I made the first month 's payment as part of my initial lease payment which covered the first payment cycle. I was surprised to see that subsequent payment for XX/XX/2017 was marked as a missed payment on my credit report.I thought that this was extremely unfair and confusing, the sales person at my showroom did not specify when my next payment was due further I did not receive a date as to when I was supposed to make that first payment by mail or online until very late in the payment cycle. I would like Honda Financial to remove that missed payment on my credit report, I feel that this is in violation of the FCRA. This is having extremely adverse effect on my credit score.
Product: Credit reporting or other personal consumer reports

Capital One made unauthorized inquiry on my credit on XX/XX/XXXX XXXX XXXX
Product: Credit card or prepaid card

So the irs says my money was deposited on the XXXX of XXXX. I talked to multiple people on the PayPal chat and got guaranteed me it would be there on the XXXX but here it is four days la tu or and nothing. They put a trace on the deposit and said they dont see it.. IRS SAID IT WAS DEPOSITED.
Product: Credit reporting or other personal consumer reports

I recently receive my credit report and I found inaccuracies with my personal information. I found many names I do not refer as. This is hurting my creditability and my ability to obtain credit and buying a house. 

I only use XXXX XXXX as my name for all my life matters.
Product: Credit reporting, credit repair services, or other personal consumer reports

There has been a complete Error this vehicle never belonged to me and was wrongfully put into my name using my social I have filled for identity theft and this has been more than a clerical error and has been on my credit report for years. I never authorized any vehicle repo or the vehicle at all and no one has responded to my case from these car companies. Please remove this from my credit report as this is not me at all.
Product: Student loan

I use Aidvantage. On the online portal, the information provided indicates that if I use autopay, then the " amount due '' always displays as {$0.00}. I set up autopay for my loan in the weeks before payments resumed in XX/XX/2023. However, Aidvantage did not autopay my loan for either XX/XX/2023 or XX/XX/2023 ( my monthly due date is on the XXXX of each month ). 

I have tried calling the Aidvantage customer service line on two occasions over the past 2 months, but I am never able to speak to someone even after being on hold for upwards of 20 minutes. I do not want to make manual payments and then have Aidvantage take another month of payments from autopay, and even though I set up autopay I am still being charged interest on two monthly payments that were supposed to be applied but never were. I get a benefit of a slightly lower interest rate for autopay that I do not want to lose. 

Combining this with Aidvantage not picking up the phone and displaying my loan as being up to date on payments, even though Aidvantage is not charging me, makes me extremely worried about compounding interest.
Product: Money transfer, virtual currency, or money service

I initiated a transfer of XXXX from Venmo to my checking account on XX/XX/XXXX. Venmo says the transfer is complete. My bank never received it. Venmo says there is nothing they can do and they are keeping my money.
Product: Credit reporting or other personal consumer reports

I requested again the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of items : XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$5700.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX ) XXXX Balance {$530.00} XXXXXXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/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 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 XX/XX/XXXX
Product: Debt collection

To whom this may concern. I have been filtering calls from Midwest recovery systems. The call 's or from an automated system and the messages that there are leaving are trying to contact the individual add this number in relations to a debt. The problem I am having with these calls is that they're not asking for the person who incurred the debt. The other problem is they are not willing to tell me the original creditor in which the dep had occurred. The 3rd and most important problem with Midwest recovery systems is that they have been Reporting negatively on my credit report for no apparent reason. I understand that there are collection agency but they don't have their original creditor and I am not going to pay the same bill twice.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to request the immediate deletion of certain information that is being reported on my credit file, which is in violation of the Metro 2 Credit Reporting Guidelines. The inaccurately reported information is causing significant harm to my credit standing and financial well-being. I kindly request your prompt attention to this matter.

These accounts are listed as being 30-60 days late. I have never been late on this account. PLEASE REMOVE LATE PAYMENT FROM MY CREDIT REPORT 15 U.S. Code 1666B states a creditor may not treat a payment on a credit card account under an open consumer credit plan as late FOR ANY PURPOSE. It also states unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account name, XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

I have identified information on my credit report that does not belong to me and was not created by me. the identified are as follows : 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, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting ACT XXXX XXXX Account Number : XXXX, XXXX XXXX Account Number : XXXX, XXXX XXXX XXXX Account Number : XXXX, XXXX XXXX  Account Number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my