23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/XXXX credit bureas and company said that have done an investigation but that can't be correct if I haven't gave any written permission XXXX XXXX BANK XXXX XXXX XXXX NEGATIVE MONTHS Credit usage 100 % Balance {$5200.00} Balance updated XX/XX/XXXX Credit limit {$4500.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Credit card Payment summary XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XXXX CO - XXXX CO - XXXX - - XXXX - - XXXX - XXXX - XXXX - XXXX - XXXX XXXX - XXXX PAYMENT HISTORY LEGEND Status Account charged off. {$5200.00} written off. {$5200.00} past due as of XX/XX/XXXX. 
Status updated XXXX XXXX Past due amount {$5200.00} Highest balance {$5900.00} Monthly payment - Last payment date XX/XX/XXXX Additional info XXXX XXXX XXXX XXXX XXXX sold - Original creditor - Comments Account closed at credit XXXX 's request Account previously in dispute - investigation complete, reported by data furnisher Your statement **CONSUMER STATEMENT** ITEM IN DISPUTE BY CONSUMER Contact info Address LOCKBOX XXXX XXXX XXXX XXXX XXXX, PA XXXX Phone number ( XXXX ) XXXX RESPONSE DISPUTE 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft. not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consume I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a call on wednesday XX/XX/21 at XXXX from XXXX XXXX office according to the message the representative XXXX XXXX left on my messenger recorder from number XXXX XXXX ext. XXXX and her exact words were, XXXX XXXX I AM REVIEWING TO GET TO YOU YOUR ESCROW ACCOUNT FUNDS. 

Then I conducted a XXXX search of the phone number on my caller ID as XXXX XXXX and discovered that she called me from XXXX XXXX Department- please take action and announce to the CFPB that XXXX XXXX and parties involved supported him committed a Big Fraud against me about property XXXX XXXX XXXX XXXX, mi XXXX and let the XXXX michigan police department know the truth about the property and that they not stand on fraud.
Product: Credit card or prepaid card

This account XXXX sound, was in good standing, there were no issues of late payments or anything else. Synchrony decided to close the account without any notice, or any reason to such. 
I was counting on that account for my work. It was a very important account for the type of work I do, XXXX engineering.
Product: Checking or savings account

On or about XX/XX/2018 XXXX XXXX ) and XX/XX/2018 XXXX XXXX ), I was locked out of my checking account and unable to make ATM deposit 's ( due to ongoing malicious and internal ( Bank ) retaliation ( previously filed CFPB complaints ) and discrimination ( based on race, age, disability, national origin and sex ). Recently ( XX/XX/2018 ), I visited a local branch for the purpose of changing my PIN NUMBER ( CHECKING ACCOUNT ). However, my PIN NUMBER was changed ( internally ) by the bank ( locking me out of my personal checking account and preventing me from using my ATM/DEBIT card for transactions. The bank was asked ( in writing via CFPB ) to change AND restore my PIN NUMBER ( XX/XX/2018 ) back to my chosen PIN NUMBER on XX/XX/2018. As of today, the bank have REFUSED to adhere to the applicable laws which govern them ( violation of my privacy ). The bank and XXXX 's ( bank employee in the Executive Office ) ongoing, tolerated and maliciously practiced DISCRIMINATION and RETALIATION/REPRISAL continues to be practiced ( in an effort to force me to CLOSE my checking account ). Any and all information provided to the CFPB is for the use of the CFPB and shouldn't be used by the bank or it's subsidiaries. ALL supporting documentation, will be faxed to the CFPB.THE END!
Product: Credit reporting, credit repair services, or other personal consumer reports

I bought an XXXX XXXX from Best Buy in XXXX XXXX using Citi Credit card issued by Best Buy itself. I paid off my balance in XX/XX/XXXX. I was surprised to hear Citi contacting me to pay some {$200.00} that they said I had not paid. They contacted me for the first time since last year only in XX/XX/XXXX, a month ago. 

As soon as I received the notice from Citi, I called Best Buy if, indeed, I still owed them since I paid off last year. Their answer : " You don't owe us anything. '' Citi has now sent my account to collection. This obviously is not fair and is wrong. I have called Citi several times with no help forthcoming, despite the fact that I had to wait several minutes for someone to talk to me. A lot of times it was their machine that talked back to me and I had to give up. I appreciate your help to protect my excellent credit history/ record. 

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

In accordance with the Fair Credit Reporting Act, XXXX XXXX Account # XXXX, XXXX  XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX. XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX XXXXk Account XXXX XXXX, XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX Account XXXX XXXX XXXX XXXX OF XXXX Card Account # XXXX, XXXX  Account # XXXX, XXXX XXXX XXXX FXXXX 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 : 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 been trying to get a copy of my Transunion credit report. I have tried to request online and it directs me to call. I requested a copy by phone over 30 days ago and still have not received in the mail. I tried to request online again and it say unable to give me a copy I must call. I called again and was told to request online. I am just going in circle at this point. I believe I am a victim of identify theft and I need to review my report for any potential fraudulent accounts or activity.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/21 I submitted letters to Experian and XXXX disputing accounts that were inaccurately reporting on my credit report. It has now been over 60 days and I have not received a response or removal of the accounts. I am trying to purchase my first home and this is hindering my approval. Can someone please help.
Product: Credit card or prepaid card

XX/XX/XXXX- converted existing Capital One credit card ( limit {$8500.00} ) to a Capital One Venture Card. Converted because part of the offer listed in the bullet points in my online user portal was an offer of a XXXX mile bonus if I charged a least {$4000.00} within the first three months of having the card. 

XX/XX/XXXX - still had not received any further information or indication of the offer being " live. '' Called Capital One customer service. First person I spoke with said she couldn't find the offer, put me on hold, and hung up on me. Called again. Second person I spoke with put me on hold several times and finally told me that because I saw the offer in my online portal, they were going to honor it. He said he was transferring me to someone to be sure the offer was activated. The next person who came on the phone proceeded to tell me that they would not honor the offer. The call was RECORDED- please access the company 's recording to confirm that this is what he told me. Again, this call was recorded by Capital One. The call happened on XX/XX/XXXX beginning at XXXX XXXX  Central time and ending at approximately XXXX XXXX  Central Time. There is no refuting a recording. 

I would like to receive the offer that was given to me in order to entice me to convert to a Venture card. By converting to this card my annual fee was increased, but it was worth it due to the bonus offer. The company is trying to not honor the offer it gave to me online, and that it then promised to me on the phone in this phone call. This is deceptive as a business practice.
Product: Credit reporting or other personal consumer reports

I am not liable for this debt with charter communications, I do not have a contract with XXXX XXXX, they did not provide me with the original contract as i requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the credit bureaus regarding reporting bankruptcies on my report. I have contacted BK court and Pacer and was advised that they do not verify BK information. I have disputed this with all three reporting agencies and they have refused to remove these reporting 's on my report. They are reporting fraudulently as there is no verification for any BK information.
Product: Money transfer, virtual currency, or money service

Dear Sir/Madame, At XXXX of XXXX I send the payment in XXXX dollars from my account in XXXX bank XXXX XXXX ) to XXXX as a payment by contract ( byuing apartment in XXXX, XXXX ) XXXX 
Amount : {$70000.00} XXXX XXXX  XXXX Senders Reference : XXXX This payment was not received by the payment receiver. 
I tried to returned the payment in XXXX twice. 
XXXX bank provided me information that my money were frozen at the account of XXXX bank in Citi. 
At XXXX of XXXX Citi answered in swift that " your response has cleared the sanctions issue and the payment has been cancelled per remitter request as of XX/XX/2022 '' But I have not get my money back yet. 
XXXX bank has not give me any instructions how I can return my money. 
Please, let me know how I can get back my money. 
Thanks in advance. 
Best regards. 
XXXX.
Product: Credit card or prepaid card

The account in question in discussion is Capital one Bank Account # XXXX the issue at hand is a late in XX/XX/2020, Back in XXXX I was sick with XXXX I was unable to make that payment.. When I was well enough to work I did make the payment immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law Please remove/block the following accounts as they are fraudulent & were opened without my consent or knowledge XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$4400.00}, XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3500.00}, and XXXX XXXX XXXX XXXXXXXX XXXX XXXX Date Opened XXXX XX/XX/XXXX Balance : {$17000.00}. 

If you claim these accounts are 100 % accurate and verifiable then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I know none exists. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.
Product: Credit card

XXXXXXXX XXXX Amazon credit card ending XXXX will not refund my rewards of {$150.00}. I bought solar panels for {$530.00} and refused the delivery by returning the unopened package to XXXX and was refunded {$380.00}, but the bank kept the rewards and did not refund them. I verified with XXXX that the rewards were refunded to the bank. Purchase date XXXX. Refund date XXXX. Return date XXXX. I have complained twice now via customer service with no resolve.
Product: Checking or savings account

Northern Trust manages a trust from my mothers estate for the last 3 years or so. I am a beneficiary of the account but in all those years they have never sent a statement to me until last month. In that statement I found that they somehow 'forgot ' to distribute residual funds that should have been distributed to the beneficiaries. 
And simply because they have their foot on my neck, they charge fees so that this account - which is all cash, loses value every month. After a while it will disappear into their vault. 
Northern Trust clearly had instructions to distribute the funds to the beneficiaries 3 years ago. 
I do not know how or why I got the account statement from them. It looks to me like this is my account with $ XXXX in it. No one else is listed. But now they are suggesting that I am only a 1/4 share owner. 
I asked for distribution, but now they say they have to 'calculate ' the refund. They have the computing power of the pentagon, but they cant make out how much to distribute? I is a fabrication on the face. And the phone number on the statement 3/4 of them are dead.It took them weeks to finally respond to my messages.
Product: Credit reporting

I have been working with a company for moths to remove items from my credit report with success. I just recurve a notice from them that they have ALL reappeared on my credit report bringing my score down. I never received a 5 day notice of this matter and demand that they be removed. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reach out to the credit bureaus already and they have done nothing, I have attached accounts that are not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

National Credit Systems is attempting to collect a false debt from me. They claim the debt was placed by XXXX XXXX. No verification nor validation has take place and this needs to be removed from my reports.
Product: Credit reporting or other personal consumer reports

Discovering that Ive been a victim of identity theft has been an incredibly stressful and frustrating experience. My personal information was misused, leading to unauthorized accounts appearing on my credit reportaccounts I have no knowledge of or connection to. Following the proper steps, I immediately filed a report with the Federal Trade Commission, as advised by Experian, and submitted the necessary documentation to address these fraudulent entries. Despite my efforts, these items still remain on my report, negatively affecting my financial standing.
Product: Checking or savings account

I became a victim of identity theft in 2010 and I have been trying to resolve issues with various banks regarding bank accounts being opened in my name. I have disputed the accounts through XXXX XXXX, XXXX, etc and I have not been successful in getting the accounts removed due to fraud. The banks in question or XXXX XXXX XXXX, Wells Fargo, and XXXX. I have contacted these banks numerous times with the past 4-5 years. I have been given the runaround or that the debt is too old and can't be disputed. This has caused me to not be able to open a bank account due to the negative information being associated with my driver 's license number or social security number. The driver 's license and number is not mine.
Product: Credit reporting

Why is this account in my credit report? It was paid in full in 2013. XXXX is ruining my credit report!
Product: Money transfer, virtual currency, or money service

On XX/XX/2022 I did a credit card payment through credit karma supposed to be an instant payment to my credit card I linked my credit card milestone to my account and the payment was never made I've been dealing with this for about 2 and 1/2 weeks now they haven't put the money back
Product: Student loan

I have been trying to pay down my student loan debt however, I believe my payments are being misapplied and more interest and fees are being charged than should be. Last year, I paid an extra {$16000.00} on top of my regular monthly payment, however my XXXX from Navient stated that I paid {$17000.00} in interest for the year, which is a {$3300.00} increase over the previous year of {$14000.00}. When I inquired about the difference, I was told that I paid {$13000.00} in accrued interest, {$3100.00} in capitalized interest, and {$900.00} in origination fees. If I paid that much extra, I do not understand why/how I paid any capitalized interest? Navient claims that all payments go to pay interest first. I do not believe that an EXTRA {$16000.00} didn't pay the outstanding interest. I also do not understand why there is any origination fees. Origination fees are charged at the beginning of a loan to cover the cost to process the loan. Why, 8 years later, am I still being charged an origination fee? The other issue I have is with 2 extra payments I've made recently. I scheduled a payment of {$4000.00} to post on XX/XX/18. I have a confirmation and screenshot from Navient confirming the payment was to be made on XX/XX/18. However, the payment was not posted to my account until XX/XX/18. It was one day later than I requested, but Navient still listed it on their website as being paid on XX/XX/18. The same thing happened on an payment of {$5400.00} that I scheduled for XX/XX/18. The amount did not post until XX/XX/18, but they listed it as being paid XX/XX/18. My monthly payment is automatically deducted from my account, and Navient doesn't seem to have a problem posting it on the correct date. I realize this is one day 's interest, however with how this company has dealt with my account, one day 's interest means a lot. I'm sure this has occurred on previous extra payments as well, but I just caught on to this issue. I am trying to be responsible and pay off my debt, but I feel that Navient is making it impossible and punishing me for doing so at every turn.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX NEVER GAVE THESE Innovis Consumer Assistance  ANY CONSENT OR AUTHORIZATION TO REPORT THESE ACCOUNT TO MY CONSUMER REPORT!!!!! Innovis Consumer Assistance IS BREAKING THE LAW UNDER Under 15 U.S Code 1681b- Permissible purposes of consumer reports I never gave them any written consent to report anything on my consumer report, No consent is IDENTITY THEFT. 

IM A PROTECTED CONSUMER AND KNOW MY RIGHTS!!!!!!
Product: Money transfer, virtual currency, or money service

On XX/XX/22 I exchanged virtual currency for USD in the amount of {XXXX}. My account was frozen due to KYC documents needing to be submitted. I have submitted the required documents but have not yet been verified still. Over a month without any correspondence back with customer service after submitting a support ticket. Having my funds frozen for going on 45 days is completely unreasonable and unacceptable. Binance.us clearly does not have the resources to operate an exchange. I want my money.
Product: Student loan

My loan servicer is MOHELA and I have been in SAVE-related forbearance since XX/XX/XXXX. Per the instructions on the Federal Student Aid ( XXXX ) website, I submitted an application to FSA to change my repayment plan from " SAVE '' to " Income-Based Repayment ( XXXX  ), '' under the " Income-Driven Repayment ( XXXX ) '' umbrella which would count toward my Public Service Loan Forgiveness XXXX XXXX I submitted this application on XX/XX/XXXX on XXXX 's website. I confirmed with MOHELA this morning over the phone that they have my XXXX application, but have no timeline for when the application would be processed. I requested that they switch me from " SAVE Forbearance '' to " Processing Forbearance, '' as the processing time would count toward my PSLF/TEPSLF counts. They said they are unable to do so. However, the XXXX website explicitly states that they should be able to do this here : XXXX XXXX XXXXXXXX as follows : " If servicers need time to process a borrowers XXXX application, servicers will move the borrower into a processing forbearance for up to XXXX  days. Interest accrues during this short-term processing forbearance, and time in the processing forbearance is eligible for XXXX  and XXXX forgiveness. If the borrowers application is not processed by their servicer within 60 days, the borrower will be moved into a general forbearance that does not count toward XXXX or XXXX until their application is processed. Interest will not accrue in this general forbearance. '' I am requesting that CFPB rule that MOHELA must modify the type of forbearance my loan is under from XXXX Forbearance to Processing Forbearance retroactive to XX/XX/XXXX per XXXX 's website.
Product: Credit card or prepaid card

Dear Sir or Madam, I am writing to request that you repay all the excessive charges that you have billed to my account from XX/XX/XXXX to XX/XX/XXXX I do not believe that these charges reflect the true transaction from Apple Card The charges total XXXX. Plus, as I have been unlawfully deprived of the money charged, I demand that all the interest at the statutory rate, which a court would award. 
Therefore, I request that you repay me the full amount ( XXXX plus any interest ). I have attached a full schedule of the charges and interest with this document.
Product: Credit reporting, credit repair services, or other personal consumer reports

" I have several hard inquiries on my credit report, I've sent several disputes, these inquiries are fraudulent and I want them removed. '' Quickly.