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

On XX/XX/XXXX I travelled to XXXX XXXX from XXXX XXXX with some friends for my birthday. On XX/XX/XXXX we had an ATV excursion where we needed to have cash on hand. Neither my friend or I had any pesos with us, and a local told us where we can find an ATM to withdraw money. We found a XXXX ATM right around the corner, my friend volunteered to take out the cash, she put her pin number and everything, but at the very end the money was not dispensed and an error page popped up saying that they atm could not connect to her bank and that she needed to call her financial institution. We thought that maybe her bank had frozen her account because maybe she did not inform them she traveled to XXXX. We needed the cash, so I decided to try the ATM with my debit card since she has XXXX XXXXXXXX XXXX and I have Chase. The same thing happened to me, I put my pin number and everything, I received the same error code. We immediately called our banks and they said since it's a pending transaction that we shouldn't worry and it should disappear. That was not true. On XX/XX/XXXX both my bank statement and my friends bank statement said that the money was taken out from our accounts. We called our banks and made claims explaining to them exactly what happened - we tried to take out cash, nothing was dispensed, but we were still charged. The total that the ATM stole from me was {$170.00} plus an ATM fee that I also filed a claim on, since I did not receive the money why should I pay the ATM fee. My bank gave me a provisional credit for both the money that wasn't given to me at the ATM and for the ATM fee. Yesterday, XX/XX/XXXX, my friend told me that her bank denied her claim and took back the money. I immediately checked my bank account and what do you know, I had a pending transaction for a claim reversal. I did not receive a call nor did I receive a message or email. If my friend did not inform me, I would have never checked my account and I would have never known they denied my claim. On my lunch break I will be calling Chase asking them why in the world was my claim denied and why was I not informed. It is absolutely ridiculous that this was not resolved. There are cameras and I'm sure the ATM does a report at the end of the day of the number of bills it has on hand and what was taken out. I'm highly contemplating closing my account with Chase because of how unprofessional this has been. They told me not to worry and that everything will be okay, and that was a lie.
Product: Credit card

I received no statements from USAA from XXXX - XX/XX/. They did send me past due notices. I called the company and no one knew why this was happening. I began sending letters to the CEO asking what was going on ( copies available on request ) There was only a form letter response. When a statement did arrive it included late fees and penalties. I wrote again and again only received a form letter. Finally, I filed a complaint with you. They responded to you. However, their response does not take into account the eight months without any communication from them. All they needed to do was answer my initial letter with an explanation and an apology. 
This could have been settled in XXXX. Instead it went on and on with me owing more every month even though I haven't used my card at all this year. USAA has stonewalled me, shown a lack of training among its representatives and dismissed my attempts to find out why they were adding to my bill as if they were unimportant. Their inability to communicate meant that they kept adding fees without any reason, even after I reached out to them. Oh, by the way, they wouldn't let me into the website because the automated system wasn't programmed to send a text to non-US numbers. This disaster is their fault and they need to fix it.
Product: Mortgage

I tried to contact PNC Bank to settle the HELOC I have with them but they are ignoring my request and making the communication dificult. I'm refinancing my first mortgage to pay off the HELOC but I don't have enough equity and PNC need to provide a settlement with a lesser amount. I have tried several times with no success. Please assist with the request.
Product: Credit card or prepaid card

On XX/XX/XXXX I noticed a pending charge from XXXX for XXXX that was not mine on my credit card. I immediately called customer service. I was told that since the charge was pending, he would be able to stop it from being processed completely. I was then told to shred my card and that a new card, and a credit for the invalid charge would be issued. I was immediately locked out of my online account and mobile app. When the new card finally arrived XX/XX/XXXX and I was able to activate it and access my account again, I could see no credit had been issued. I called customer service again, again they wanted to shred my card and issue a new 1, after explaining that had already been done XX/XX/XXXX it was determined that no one had ever done anything about investigating/crediting the invalid charge. I was again assured it would be handled and that a credit would appear on my account within 24hrs. 
On XX/XX/XXXX I called again when no credit was showing, again they wanted to shred my card and issue a new 1, I again explained that had already been done. I was again told no one had opened an investigation or issued a credit. For the 3rd time an investigation was supposed to be opened. I was then told by the fraud dept that they could already see it wasn't my charge, didn't have the correct authenticators, and shouldn't have been processed. ( same thing they said XX/XX/XXXX ). I was told I would definitely see the credit Monday XXXX. I was apologized to for having to call so many times and spend so much time on the phone ( this isn't a 5 minute call - usually atleast 45 min minimum per call ), I was told complaints would be issued for the previous service reps not initiating or completing the inquiry. 
On XXXX I called again when no credit was showing. This time I was told, the inquiry was just opened and they have no information. 
This is ridiculous - usually and even with this company in the past - a credit is issued within 24hrs. I know it may be a temporary credit if the investigation determines it, actually is your charge.

This is NOT the case in this situation. I have been told repeatedly that they can see this isn't my charge and did not possess the correct information to process to my account. I also never use this card for XXXX and don't have any transactions on my XXXX account with this dollar value. This is NOT my charge, NEVER was, and this fact has already been determined by numerous service agents, they just haven't followed thru to correct it.
Product: Mortgage

I had submitted a dispute to Green Tree Servicing regarding my account. A printout was then sent to me On XXXX XXXX. Whereby I sent a certified mail ( find enclosed copy ) on XXXX XXXX in response again disputing the debt. They acknowledged they were in receipt of it and to expect a written response within 30 business days. in a correspondence dated XXXX XXXX, XXXX. On XXXX XXXX, XXXX another correspondence stating an authorization from my husband is needed before information can be release. Green Tree Servicing has had an authorization since XXXX when they began servicing my account. However, one was sent via fax on XXXX XXXX. I have yet to receive a response. I received another correspondence thereafter dated XXXX XXXX that my account was referred to an attorney. Meanwhile, I had agreed to a 3 month trial modification for the months of XXXX, XXXX and XXXX with a payment of {$650.00} along an additional {$12.00} advance fee. I then received a permanent modification, I signed and returned it and I received a letter thereafter notifying me that I had returned the documents to late. My disputes were never addressed. Foreclosure proceedings were then filed. After looking at my documents I realized that my billing statements along with the transaction history were not consistent nor accurate. Excessive fees were being charged. My monthly payments were being deposited in XXXX account since XXXX. Extra payments were made by me to be applied to my principal were being applied to my escrow account. It was these types of practices and procedures that led them to the judgment against them in Federal Trade Commission and Consumer Financial Protection Bureau vs Green Tree Servicing, LLC. They have then merged with Ditech Financial LLC to bypass cease and desist order. Please help
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX : Account Number : XXXX Account Name : XXXXXXXX XXXX  : Account Number : XXXX Account Name : XXXX  : Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX  : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Student loan

Navient is now banned form servicing student loans. 
XXXX is out of business. 
Due to the selling of my student loans to different servicers over the years, my payments have reflected little to no reduction in my student loans. 

I'm just paying an endless debt. I have been paying on this loan since 1987. I could have bought a house AND A BRAND NEW CAR, an both would be paid off by now. 

37 years of payments ( not counting COVID forbearance, and a hardship deferment ) and it's still not paid off.
Product: Credit reporting or other personal consumer reports

Subject : Follow-Up Complaint Equifax Unjustified Request for Personal Information CFPB Case number XXXX Complaint Details : I previously submitted a complaint to the CFPB regarding Equifaxs failure to provide documentation when requested during multiple credit disputes. In response to my CFPB complaint, Equifax is now requiring me to submit proof of address and a government-issued ID to proceed with resolving my complaint. 

I believe this request is unnecessary and unrelated to my original complaint, as I am not disputing my identity but rather XXXX failure to provide supporting documentation for their dispute determinations. Additionally, Equifax had no issue processing my prior disputes without such documentation, which raises concerns about whether this request is being used as a barrier to resolving my complaint. 

I am requesting that the CFPB review XXXX actions and determine whether this additional request is justified. I believe Equifax should be required to address my complaint based on the merits of the case without imposing undue verification requirements that were not originally necessary. 

Desired Resolution : I request that Equifax be required to respond to my original complaint without unnecessary requests for ID and proof of address. 

I ask that the CFPB review whether Equifax is using this as a delay tactic to avoid compliance with the Fair Credit Reporting Act ( FCRA ). 
Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've asked for proof of the alleged debt, specifically the alleged original application bearing my signature : they have not been able to provide such proof to me. Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by evidence. 15 U.S.C 1681 have not supplied proof under the doctrine of estoppel by silence XXXX v XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I may presume that no proof of the alleged debt nor therefore any such debt in fact exists. You have 5 business days to remove the said account XXXX XXXX XXXX XXXX Account XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am also having the same problem with XXXX, in that my paid XXXX account had booted me to their MyEquifax.com, but to later not allow me to sign in even after going through the sign in procedure. This is very similar to what happened on Transunion, only that I've not been able to get Free reports suing Annual Credit Report. At present I'm not able to access the site and even if I go over the sign up process again it will later prevent me from accessing the Myequifax.com site. 

When I was able to access the XXXX site and the regular XXXX site when I was paying for it, it contained some different information that what I should be able to also see on the Myequifax. When I asked about the switchover was told they were switching over everyone with a non paying account, though at the same time I was paying to access Equifax itself. 

This is a very similar problem that I'm having also with XXXX, and is troubling to me to not be able to read from searching that anyone else has been switched or had even mentioned being switched and not being able to get Credit reports, from niether Equifax nor through Annual Credit report.
Product: Mortgage

XXXX XXXX now Key Bank has wasted my time over a yrs worth with promising to give a loan they knew I would never be approved for and allowing me to submit offers on properties and then on two occassions for an inspection. I wanted to put a bid in on a home and needed a pre qual and they took two weeks to get that to me claiming underwriting had a lot of requirements to meet before issuing a letter. The first depisit I put on a home I lost because on the day we were told by the bank that I would not get the loan because of my CREDIT SCORE, but not told to call the sellers or the money would be lost. The rewuirement for the loan was that the applucant had to have proof of rental payments for a year and on both occassions of dealing with this bank they knew I was not a renter. I have lost {$1500.00} wasted realtors time along with my family 's time. It almost seems as if this was sport rather tham serious business. I was trying to purchase a house butI was told I did not qualify for that loan but could get FHA and seller declined but for dome reason Keybank mailed out mortgage letter which stayed in the possessuon of the neighbors for 3 days and finally given to me Opened with all my personal information. Was never buying home but kept getting letters and kept calling bank to tell them to STOP. I can not get the wasted time bank but do feel as though the bank she refund monies paid out for no reason. If you have any question you can contact XXXX XXXX who had a lot of dealings with this bank on my behalf.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX -or- XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX RE : Your Account XXXX XXXX XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

[ Identify item ( s ) + XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XXXX {$3500.00} ( Credit Card Opened by the Thief ) Delete XXXX XXXX  XXXX, XXXX report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 
Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 
A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX Enclosures : Identity Theft Report Proof of identity Copy of Credit Report
Product: Debt collection

I was contacted by XXXX on a bank debt that I believe has already been settled. The number is XXXX CLAIM # XXXX. I agreed to pay off the debt however they insisted I gave them my account info over the phone and will not accept payment any other way. I am scared they are not a really company. I spoke with XXXX XXXX each time.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX American Finance LLC located at XXXX XXXX XXXX XXXX XXXX, DE XXXX took a hard credit inquiry for an auto loan with out my expressed, written or implied consent. The business relationship with this company and myself had ended XX/XX/XXXX. Despite this dissolution of our dealings and the statute of limitations ( seven years ) ending all pursuit of repayment the company has decided to inappropriatly and illegally access my credit report for a line of credit, an automobile, or some other purpose. I am 800 plus miles away so how I would actually drive the vehicle or sign any documents related to the purchase of said vehicle is unclear. This company has caused further damage to my credit among being dishonest regarding how much they were repaid. They have garnished wages which I ironically lost a job directly after they had pursued repayment this way, sold the vehicle at an auction, and basically stalked and harrased me. I want this to end I am not a criminal or their only client. It has been 7 years and legally speaking they are supposed to stop this. This is step one of many in ensuring they leave me alone.
Product: Debt collection

I do not have a signed contract with Portfolio Recovery. They are stating they purchased the account from XXXX XXXX XXXX XXXX. This bank doesn't exist. they are stating i owe a balance of {$800.00}.
Product: Credit card or prepaid card

I have a Blue Cash Preferred card by American Express and one of it's advertised benefits is access to free credit reports. I have tried accessing this product multiple times but keep running into issues. I contacted American Express customer care on XX/XX/2022 about this issue and they asked me to contact XXXX. I called the XXXX number they gave me on the same day and they told me to send an email to XXXX. I sent at email to this address on XX/XX/2022 and they responded without understanding my problem and their response didn't help me. After that I also sent follow up emails but didn't hear back from them. 
I am filing this complaint against American Express because they promised this feature to me and if I am facing issues in accessing it, they should resolve those issues. The customer support did not help me when I called them and just passed the buck to someone else. As an AMEX customer, I am entitled to receive the benefits and features they advertised.
Product: Debt collection

this is a very old debt that was bought by a collection company and they call me XXXX and XXXX  and i cant even talk to them except to tell them not to ever call me again and the next day they are calling this acct was closed years ago they are pests and driving me crazy they need to be stopped all my credit acctstoday are paid on time XXXX XXXX has helped me double my credit score in 3 months or lessshould be over 800 now XXXX was XXXX  thank you
Product: Student loan

Once I finished school I was never sent a letter, phone call or nothing stating that it was time for me to pay these student loans. It has 3 late payments back in 2019. I have called the company, sent emails to the CEO, and sent them a letter stating that I never received anything saying when and how much I was suppose to pay toward these student loans. The admitted that no letter was ever sent via their recorded phone call which could be pulled but they never removed the late payments.
Product: Credit reporting or other personal consumer reports

Navient mismanaged my student loans and reported me to collections while I was in the process of consolidating with XXXX for XXXX. I currently have a closed account with Navient and it has impacted my credit score tremendously. I have no way of contacting Navient to resolve this issue because they are no longer servicing student loans due to their previous fraud and mistreatment of people. Please help remove this from my credit report!
Product: Credit card or prepaid card

XX/XX/XXXX- I made a purchase of {$10.00} at the XXXX in XXXX , Florida .

XX/XX/XXXX- I received the first credit card statement from XXXX Credit Card showing I have a new balance of {$38.00} due on XX/XX/XXXX. I immediately called the XXXX  number and was given the run around on how I was on a paperless statement with XXXX-XXXX. Finally spoke to XXXX  and he waived the lates fee 's since I never requested paperless and was not aware of my balance. The balance of {$10.00} was paid on XX/XX/XXXX. I then requested the account to be closed, since the CRS 's before XXXX   were so rude. Account was closed on XX/XX/XXXX.

XX/XX/XXXX- I received another statement from XXXX showing I now owned {$49.00} and I called immediately and they stated it has been balance to a XXXX balance.

Today XX/XX/XXXX - I received a call from XXXX  stating I owed a past due balance and requested my payment. After reviewing the notes in the system the CSR transferred me to a XXXX at XXXX ext. XXXX, which was very polite and stated my account is now at a zero balance. I requested to speak to a supervisor, since it shows my accounts 3 payment past due and I completed the payment on XX/XX/XXXX when I received my paper bill. Spoke to XXXX and she assured me that the account is at a XXXX   balance and the payment history was updated to show current and the error will be reported to the 3 credit agencies. I plan to call XXXX   back in 48 hours to confirm this has been completed and contact the credit bureau 's next month. I have perfect credit and can not believe this credit card company is allowed to function and cause damage to my credit history that I have worked so hard for the last 25 years, plus continue to send me past due notices and calls to my cell. Please Help!

Thank you so much for your time and assistance.

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

XXXX XXXX /XXXX  XXXX is still appearing on my credit report. However, the attached document demonstrates that the account was dismissed with their collections agency and therefore no longer making me responsible for the account. The tradeline needs to be removed.
Product: Debt collection

I have requested information/ validation on this debt bearing my signature and have not received anything stating that I owe this debt. I have included numerous certified letters of dispute for validation bearing my signature have not received anything included in this complaint .XXXX have repeatly responded stating that they have investigated and verified the validity of my debt and do n't even allow me to dispute their claim. I have never done business with XXXX, never signed a contract, nor do I owe them any money.