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

In XXXX I noticed several ATM transactions that were unauthorized from a checking account with chase. The money was taken from my savings account without my permission, even though the XXXX accounts were not connected in any way, to cover the ATM transactions. I filed a claim, but Chase refuses to protect my money and acknowledge their mistake. When I call to speak with the claims department, I am told that because the card with the chip was used with the pin that I must have authorized it they never acknowledge their error in transferring funds from my savings account without ever giving permission to do so in the first place, as well as the transactions, not being authorized transactions. They refuse to look into to it any further and say they apologize but there is nothing they can do and that I am out {$5000.00}. I have tried for XXXX months to reimbursed for their bank error and no one will help. I seems as though my bank has left me vulnerable and is now blaming me for their mistake refusing to replace the money they allowed to be stolen.
Product: Credit card or prepaid card

XX/XX/20 {$120.00} and change of due date without prior notification of change : Citi bank credit card continue harassing for payments by changing due date without prior notifications! I have not missed any payments or owe payments. Citi bank change due day of payments from XXXX each month to XXXX of month and they sent very confusing message day after due date. I do not comprehend why this people making psychologically burden on the payments. They put me in a stress really getting to bother my daily activities .To my understanding Only reason they changed due dates send me a notification day after due date in that they try to get extra fees which is illegal and psychologically stress me out! Only reason they send the notification is that they try to make legit of illegal changing dates. Everything is on attachments
Product: Credit reporting, credit repair services, or other personal consumer reports

Consumer has reached out to Equifax on several occasions in order for Equifax to remove erroneous information that should not be reporting on this consumer 's credit report. 
On XXXX XXXX, 2017 the Debt collector XXXX XXXX, XXXX withdraw all accounts from this Consumer 's credit report. 
As of XXXX XXXX, 2017 ) today ), Equifax continues to report this erroneous information despite having this information from the Debt Collector. 
Equifax is uncooperative and refuses to remove this negative account which is causing this consumer great harm. 
Equifax needs to remove this account ACCT # XXXX, IMMEDIATELY form this consumer 's credit report and any accounts originating from this account.
Product: Checking or savings account

On XX/XX/XXXX, I received an " Everyday Checking Account '' # XXXX statement from Wells Fargo dated XX/XX/XXXX. I have never applied for this account. My only business with Wells Fargo is a Quarterly Payment from XXXX. 
Calls to Wells Fargo Fraud Dept. on XX/XX/XXXX, claim # XXXX, they said they would check on it and get back to me in 30 to 60 days. Other calls to Wells Fargo stated the account was opened in XX/XX/XXXX and closed XX/XX/XXXX. In late XX/XX/XXXX. I received a second checking account statement, dated XX/XX/XXXX. 
Wells Fargo sent me an " I.D . Theft Affidavit '' for me to fill out. I completed, had notarized and returned XX/XX/XXXX. XXXX XXXX, XXXX Wells Fargo requesting more info already included in the Affidavit, I sent in the info again on XX/XX/XXXX, assigned case number # XXXX. 
It has been over 90 days since the last letter returned to Wells Fargo and no response from them. 
This account never appeared on my Credit Reports so I can only assume it was done by someone at Wells Fargo.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX credit card appeared on Equifax then disappeared in XX/XX/XXXX. My pay receipts say I paid a credit card in full, on time. I wouldn't have a credit card unless to build my credit. Most if not all banks report a credit card to the credit agencies. Evidence available if needed.
Product: Checking or savings account

These financial transactions were never done by me, but someone defrauded my financial account and seized this money. I informed the bank to suspend the account and filed a complaint about the matter and recovered the stolen amounts, but the bank is dealing with the matter without any interest. First, I have never used bank cards to make any purchases at all over the years. Second, the next day, we forced the bank to freeze the account, suspend the financial cards, and send new bank cards. I filed a report with the police department against this fraud. I informed the credit Bureau to stop making any credits in my name due to the fraud incident. All evidence proves conclusively that my bank account was defrauded. I need my money back please XXXX dollars XXXX XXXX dollars from TD Bank
Product: Credit reporting, credit repair services, or other personal consumer reports

The lender XXXX has been paid in full. Keeps reporting in accurate information on my credit file.
Product: Student loan

I am a newly graduated XXXX with {$340000.00} of student loan debt. This loan is not only daunting in number but the loan is made up of 20+ different loans with several different interest rates ranging from 3.8 %, to 3 loans having 8.5 % interest! As I am a resident, and will be in public service for the prolonged future, the public service loan forgiveness option is my best option. Thus 5 years ago ( when I graduated ), instead of re-consolidating, to at least drop the interest rate ( those 8.5 % loans are ridiculous ), I talked with my NAVIENT Loan provider and applied for the IBR plan yearly to work toward Public Service Loan Forgiveness ( 120 on time payments ). In the last 5 years, I have done my part and have been working toward loan forgiveness. This year, I finished my XXXX and in order to continue to qualify for PSLF, I chose to work at a government agency in a low income area. I decided it was time to keep all of my PSLF forms on file. When I went to turn them in, I realized NAVIENT is not a loan provider that I can go through for PSLF ( they NEVER told me I needed to switch to XXXX XXXX which I would have done 5 years ago ), and when I went to turn in the forms ( XX/XX/XXXX ), XXXX XXXX ( Not NAVIENT ), informed me that 3 of my loans did not qualify for PSLF ( THE 8.5 % INTEREST ONES!!! ) but would qualify if I reconsolidated them into a PSLF type loan which is apparently VERY easy to do. I immediately, got off the phone with them and called NAVIENT ( XX/XX/XXXX ) and asked the loan provider if I was still on track for PSLF. She stated that I was. I asked to look in more depth, and she said " oh wait, it looks like 3 of them are n't " she stated, however, that it was very easy to reconsolidate into the proper loan but that those 3 loans would then start at day 1 of the 120 on time payments of loan forgiveness!!! Those loans are not small either, currently they are around {$62000.00}. NAVIENT should have ABSOLUTELY informed me of this 5+ years ago!! Additionally, if they could not have reconsolidated, they should have provided me with the option so I could reconsolidate to a lower interest rate with a private company!!! I was obviously frustrated with this, and told her I wanted to reconsolidate into a loan that counted. She sent me an email to do this, however, the link they sent in the email does not actually work, and when you go to the website there is no easy way to do the consolidation. I truly have to say, as a person who is the first to graduate from high school in their family, who is trying their absolute hardest to succeed, the american government has to do better than this! I trusted my loan provider and I was absolutely misguided. You may say, well you should look at the loans and check which ones qualify, to that I say I have every single year when I sent paperwork in for IBR. Additionally, if a NAVIENT Loan provider cant even tell which one of my loans qualify without looking more in-depth at each one, how am I supposed to tell which ones do n't?
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit it is my understanding that you will investigate these items for me to ensure accuracy. Here is the item I am asking you to verify as accurate. 
XXXX account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

As a victim to identity theft attached paperwork that was effected by my primary physicians office and victim of XXXX XXXX  identity theft after proven these paperwork stoll have these inquiries from all these seven companies stated above and need this based on Law 15 us code 1681c-2 a consumer reporting agency shall block the report of any information on the file of a consumer that the consumer identifies as information that results from an alleged identity theft no later than 4 business days after the date of receipt. If has been 30days ans you are in violation of the law because I am a victim of identity theft!!! Please delete these items as soon as possible! These accounta should not be furnished on my consumer report as they are in violation!!! Under 15 us code 1681b permissible purposes of consumer reports ( A ) in general subject to subsection of any consumer reporting agency may furnish A consumer report under the following circumstances and no other ( 2 ) In accordance with the WRITTEN Institution of the consumer to whom it relates. I never gave any consumer reporting agency written consent to report anything on my consumer report which violets my rights as a federal protected consumer. No consent is identity theft. As a consumer I Am demanding the deletion of these accounts listed IMMEDIATELY. Accounts as follows : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Syncb paypal bank XXXX Syncb jcpenny 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

I had a business cell phone account with XX/XX/XXXX in the past. After being a customer for 7 years and had so many issues I decided to close my account and move all my lines to another company. 

At that moment I had a balance of XXXX corresponding to EIP phone installment plans, which was paid in full on XX/XX/2021. 

In order to close my account and unlock my numbers the amount had to be paid in full. 

7 months later I'm receiving a collection letter from Amsher Collection Services , IncXXXX stating that I owe a balance of {$760.00} to XXXX which is impossible considering my account was succesfully closed after my full balance was paid. 

I contacted this agency by phone to explain this and no one was able to verify this debt. Now this collection has been reported to the 3 credit bureaus affecting me a lot since I'm getting prepared to buy a home in the next 4 months.
Product: Credit reporting or other personal consumer reports

This is in regard to XXXX XXXX re-inserted on Equifax credit report. XX/XX/year> the account was removed and deleted, by XX/XX/year>, the account was illegally re-inserted, see images attached. I was never notified of within 5 business days of reinsertion and the account should be removed. I am writing to formally file a complaint against Equifax for violating the Fair Credit Reporting Act ( FCRA ), specifically Section 1681i ( a ) ( 5 ) ( B ), related to the reinsertion of previously deleted account information on my credit report. The following actions by Equifax constitute violations of the law : Certification from the Furnisher : Equifax illegally reinserted an account onto my credit report without obtaining proper certification from the furnisher of the information. Under the law, before any information is reinserted, Equifax is required to obtain certification from the furnisher that the data is accurate and complete. This requirement was not fulfilled in my case.

Notification Within Five Business Days : Equifax did not notify me within five business days of the reinsertion of the disputed information, as mandated by the law. I was not informed of the reinserted data in a timely manner, depriving me of my right to dispute the reinsertion. 

Failure to Properly Verify the Accuracy of the Information : Equifax failed to properly verify the accuracy of the reinserted information. I had previously disputed this account, and the information was deleted after a proper investigation. However, Equifax did not ensure that the data was accurate before reintroducing it to my credit report. 

Failure to Maintain a System to Prevent Unauthorized Reinsertion : Equifax has failed to maintain an adequate system to prevent the unauthorized reinsertion of disputed or inaccurate information onto my credit report. This failure has resulted in the unlawful reappearance of the account in question, negatively impacting my credit report.

I respectfully request that the CFPB investigate these actions by Equifax, and take appropriate measures to ensure compliance with the Fair Credit Reporting Act, particularly 15 U.S.C. 1681i ( a ) ( 5 ) ( B ). I also request that Equifax be required to remove this unlawfully reinserted information from my credit report and provide me with the necessary documentation proving compliance with the law.
Product: Student loan

We took out student loans through XXXX XXXX XXXX. We were billed for all XXXX years, though my XXXX only attended for a few semesters. We have continued to pay, but the amount continues to increase and we are told different information each time we call. I do not feel this is being handled correctly and this is the same school that was closed due to fraudulent student loans. We have tried to resolve with navient, XXXX XXXX and XXXX XXXX as each of these companies have serviced the loans.
Product: Checking or savings account

On XX/XX/2020 I pre-ordered a bike from XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX and pain in full {$870.00} and was told the bike would be ordered and shipped to my house within a week. Fast forward and XXXX hits hard and through many emails I was told they did not have the bike nor did they have an estimated time of arrival or even a tracking number. I contacted them many times to get updates and was never given any information. Come XXXX XXXX i received an email from XXXX stating they were cancelling my order and I would not be getting my bike ... that I already paid in full for. They advised me to go through my bank XXXX Chime XXXX to have them do a charge back so I did that same day. Chime told me to fill out a " Customer Statement of Disputed Transaction '' form and I did, faxed and mail it to them. They responded saying it would take XXXX days to come up with a decision. 90 days later early XXXX I received an email stating they were not giving me my refund. I don't understand how these company 's can not refund me my money. I paid for something and never got my bike. This is stealing and fraud. I just want my money back. I have all emails saved as evidence. Chime or XXXX needs to refund me my money. I have been very patient and understanding given the current situation with COVID and now this is getting out of hand please I just want my money back.
Product: Credit reporting or other personal consumer reports

Every couple of months, I get enrolled in these free trials from Experian without my consent, completely unauthorized. I always try to cancel them, but one in XXXX and another one this month slipped by me. I got a refund for the one in XXXX and this time around, nothing. 

This is a federal crimestealing peoples payment information to unknowingly subscribe them to XXXX XXXX that they have no idea about. I want my payment information completely scrubbed from their company and I want my entire account PERMANENTLY DELETED. I dont want it deactivated, I dont want discounted services, I want my entire account gone from Experian forever. 

I have no idea how this company hasnt been indicted on multiple felonies. You have to lie to the automated system to get a real person on the phone, my fax and certified letter went ignored, and every agent doesnt understand XXXX. If my request is not granted, I will engage in aggressive legal action. This company is a joke, has committed dozens of crimes, and gets away with everything. The only entity that should report your credit score is the U.S. government. Completely abolish Experian, XXXX, XXXX and any other private corrupt corporation. Total garbage. Fix this!!!
Product: Credit reporting or other personal consumer reports

TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX XXXX XXXX I am writing to express my concern regarding a potential violation of the Fair Credit Reporting Act ( FCRA ) related to the reinsertion of previously deleted information in my credit report. Section 611 ( B ) of the FCRA clearly outlines the procedures and requirements for reinserting any deleted information. 

Background On [ XX/XX/XXXX ], the following information was removed from my credit report : XXXX XXXX XXXX XXXX XXXX Account Number : [ XXXX ] Date of Deletion : [ XX/XX/XXXX ] Recently, upon reviewing my updated credit report, I noticed that the previously deleted information has been reinserted without prior notification or proper justification. 

Specific Violations According to Section 611 ( B ) of the FCRA, any reinsertion of deleted information must be accompanied by : Written notification to the consumer within five business days of the reinsertion.

Certification from the information provider indicating that the information is complete and accurate.

In my case, I did not receive any notification or corresponding certification, which constitutes a direct violation of the FCRA.

Request for Immediate Action I kindly request that you : Immediately remove the reinserted information from my credit report.

Provide a detailed explanation of how and why the information was reinserted without following the stipulated procedures. 
Take necessary measures to prevent future improper reinsertions. 
Additionally, I reserve the right to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and consider other legal actions if this situation is not adequately and promptly addressed. 

TransUnion 's actions have caused significant inconvenience and potential harm to my credit profile, impacting my ability to access fair credit terms and financial opportunities. Despite my efforts to resolve this matter directly with TransUnion, they have neglected to take appropriate action, demonstrating a lack of accountability and compliance with federal consumer protection
Product: Checking or savings account

XXXX, XX/XX/XXXX, i was in the Capital One app and saw a check deposited for {$5000.00} into my small business account had been reversed. XXXX at Capital One stated the check was fraudulent. Untrue, it was a check written from my husband to cover some XXXX bills. XXXX suggested redepositing the check and seemed unfamiliar with this kind of situation. Thinking this would be quickly resolved, I then deposited a check for {$3000.00} into my personal account, again from my husband 's account, which was accepted. 

Later the same day, Capital One sent an email stating the business account had been closed and a check would be mailed within 7-10 days. I opened the Capital One app and then saw that my personal checking account had been frozen. There was a number given for me to call, and after verifying my information, I was sent to a voicemail which stated to leave my name, account number and telephone number and I would be reached in 48 hours. I repeated the same action today, XX/XX/XXXX, and received the same voicemail. 

I am 4 weeks out of a XXXX XXXX with no access to my funds. Admittedly, the activity on my account has increased in the past several weeks as purchases were made to make my recovery at home as comfortable as possible. But, no call came from Capital One to ask if they were legitimate if they were concerned about fraudulent activity. Needless to say, I am shocked as I've never had issues with Capital One or it's customer service before. But to freeze my account without an explanation doesn't say much about their care and concern for their customers.
Product: Credit reporting or other personal consumer reports

This complaint is not sent in error, please read this seriously and see the attached file. It's been such a long time that I have been trying to fix the errors being reported on my credit report, but to no avail. My requests to correct this incorrect information kept getting ignored and I had enough. This has affected all aspects of my life negatively ; it's taking a toll on my mental health that I wouldn't even be able to afford help because of my low credit score due to these errors.
Product: Debt or credit management

So I called Trans union credit to see why is my credit score are so low and can not be trusted with loan. I found that XXXX XXXX  had blocking with derogatory. Marks on my credit score that a collection of XXXX from XXXX XXXX had requested to represent them. But they still give trying and freaking the dates and such. When this been so long about this matter. I called XXXX XXXX for this matter and they customer service refuse to know and cant be find on their system. And now I had getting the blame for it. Which is not fair in my credit reports since I had been paying my CC and still had that. I demand fair treatment so k. An keep on going in life
Product: Checking or savings account

I live in XXXX, Ohio. Key Bank sent me an unsolicited offer in the summer of 2020 to receive {$400.00} if I opened a Key Bank checking account, and deposited {$500.00} for at least 3 months. The exact language was " one time direct deposit of {$500.00} '' - language which was not highlighted or explained. 
I took that language to mean I needed to transfer {$500.00} at least once, in a direct deposit. In other words, I could not satisfy the requirement by an intra bank transfer from a CD or another Key Bank account under my control. They provided NO definition of their terms, or intentions. I opened a new Key Bank account and deposited a check for {$500.00} from external sources. 

4 months later, I asked when my {$400.00} would be paid. I was then told, for the first time, that the bank required me to have at least {$500.00} deposited directly from my employer or other governmental income. 

I am retired and do not have an employer. I do not yet draw Social Security from my earnings. This is the first time I have been told of this requirement by Key Bank. Their letter did not say it was limited to those currently employed or drawing Social Security. During this period, Key Bank has had my {$500.00}, and I have been paying at least $ XXXX/month in various bank fees. 

This is a deceptive trade practice that fraudulently induced consumers to transfer assets on the promise of a {$400.00} windfall that is subject to requirements that are never set forth in detail.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/XXXX an account by the name of Cach LLC in the amount of {$9100.00} has been affecting my credit report. I didnt realize until I check my credit report in XX/XX/XXXX that I had this error ... So I instantly filed a dispute letter to all three credit bureaus ( XXXX, XXXX, and XXXX ) 30 days later I receive letters from XXXX and XXXX   stating the deletion of this account. Greatly pleased with the results of how fast they fixed the Incorrect error. However I dont think XXXX is taking this matter serious ... .I have called them and disputed this account as fraudulent And not belonging to me but still it remains with no validation. At this point I dont feel XXXX  is following the guidelines of the FCRA and removing this account from my credit report.