23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Reserved rental car on XXXX on XX/XX/2023 for two days. Was rental was to be picked up on XX/XX/2023. My Capital Cabelas Visa was charged {$210.00}. The rental car company is XXXX. Arrived XX/XX/2023 at XXXX at XXXX to get car. XXXX rental agent informed me that there is an hold of {$200.00} that need to be placed on my credit card. Informed XXXX agent that I dont have {$200.00} on my credit card for the hold to be placed. 

Moreover, informed agent that when I booked car rental with XXXX it was never mentioned that an {$200.00} hold would be placed on my credit card in addition to the rental charge of {$210.00}. Informed XXXX agent I would have never booked the car in any event disclaimer stated and additional hold of {$200.00} would be placed in my credit card. 

The agent informed that my card declined for the additional {$200.00} hold. I could not rent the car. Ask agent for refund of {$210.00}, agent informed to contact my credit card company for refund. 

I called Cabelas Capital One and filed a dispute on XX/XX/2023. Informed Capital One that I reserved rental car through XXXX for two days for {$210.00}. Car was to be picked up on XX/XX/2023 at XXXX at XXXX. Arrived at XXXX and was informed that an additional hold of {$200.00} was requested by XXXX agent to be placed on my credit in addition to the {$210.00} that was prepaid with XXXX. I did not have the money and was not allowed to rent car. 

However, my card was charged {$210.00} and it wasnt refunded back on my card. Want Capital One to provide receipt from XXXX XXXX with my authentic signature that I rented car for two days. Want Capital One to provide contract that I signed to rent car from XXXX. 

Capital One responded to my dispute XXXX and informed me that I lost my dispute and I am liable for the {$210.00} because I didnt cancel my reservation. Capital Ine never provided my requested documents. Would like Capital One to provide to me XXXX cancellation policy in writing. Capital One, XXXX and XXXX are in conspiracys to defraud me. I never received the service I paid for. That is theft of service.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit reporting act Everything has to be 100 % accurate on. my credit report The Credit Bureaus stated my account properly investigation in writing but how that possible if the balance is inaccurate last reported date is not accurate Also have inaccurate Original creditor Name. This is ground for removal. XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Bank account or service

Regions Bank close out my account with out my permission, It was a loan on my saving account, my money, I was paying a note each month, upon closing the account they did n't return the money I paid back into the loan, all I want is what is owed to me, .Loan account number is XXXX, it was paid in full and the bank is still asking for more money.please check into this, It 's really sad when your Bank steal from you.Regions Bank in XXXX XXXX , Mississippi . On XXXX XXXX
Product: Student loan

Hello. 
I have a student loan with Navient and have had this loan since XX/XX/2009. Since XX/XX/2009, my principal has increased by almost XXXX dollars and I have been unable to make any payments on the principal due to such a high payment, and such a high interest rate. When I went to my provider in search of options to lower my payments, the only option they gave me was deferment or forbearance. Both of which added interest onto my principal. When we signed up for this loan, which was originally through XXXX, it was the only financial institute that we were able to finance through according to my school which was XXXX. My father is a cosigner, and due to his income, we did not qualify for lower monthly payments - regardless of his inability to help me pay those payments. At the time, my father was out of work, and was struggling to pay his own bills, let alone helping with mine. I have struggled to pay this bill ever since I XXXX due to the high monthly bill and my low income. They have since still offered no help and we are in danger of defaulting due to the fact that I am now out of work. I am aware of the pending lawsuit against Navient, and would like to participate in any way possible. Thank you for your consideration.
Product: Mortgage

I received a repayment plan from Select port Folio stating when the first payment is due. The payment amount I was given exceeds the payments that is within the guide lines of the mortgage modification payment. I feel I'm being discriminated against and being treated unfairly. I m aware of the guideline and the Consumer Protection oversight for mortgage modifications. I want to pay my mortgage and become current on my mortgage. 
Please help
Product: Credit reporting or other personal consumer reports

I received notification back from the bankruptcy court that states they do not provide information to third parties and under the Privacy Act Law 1974 and Opt Out Law that any authorization that XXXX, Experian, XXXX believe you have you no longer and it needs to be removed in 4 days.
Product: Prepaid card

XX/XX/XXXX I emailed the vanilla gift card company ( XXXX ) after I submitted a dispute on an unauthorized transaction on the gift card given to me for my birthday. It was {$100.00} worth and when I opened it up and tried to use it at a store it declined because someone scammed and used it on my actual birthday ( I hadnt even received the card yet at that time ). It has been XXXX weeks with no response or update. Their customer service representative and I talked once and they only said it would take XXXX days to resolve but I want my money back now. I have continued to email them XX/XX/XXXX and XX/XX/XXXX no response as well.
Product: Credit reporting or other personal consumer reports

I requested 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 XXXX XXXXXXXX Balance : {$930.00} XXXXXXXX XXXXXXXX XXXX XXXX XXXX Balance : {$5200.00} DEPT OF EDUCATION/ XXXX XXXX Balance : {$17000.00} XXXX XXXX Balance {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has me reported as having a checking account. I have sent them FTC and police report advising that my roommate at the time use the account because he was from a different country and was using my personal information to be able to access checking accounts and credit cards.
Product: Payday loan, title loan, or personal loan

I fell behind in my monthly payments due to illness. My wife contacted them and told them this. I can not pay at the time and my wife told them she would let them know when I could make a payment. She asked them to stop calling everyday. However, they continue to call several times a day. This is harassment.
Product: Checking or savings account

I have a rewards savings account with Bank of America, and in late XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX company began withdrawing funds in another individual 's name on a recurring basis every month, until I noticed the account was looking less than it should be and reported it to BOA in XX/XX/XXXX. Bank of America then replaced the {$2200.00}, but then took back {$860.00} citing that it was past the time frame. My complaint is that Bank of America took my monies and gave it to another person without notification to me. Also that I and all banking customers aren't made aware that our money after 90 days isn't safe in banks, if indeed there is such a federal regulation.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act the list of account ( s ) below had violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. EXETER FINANCE LLC account # XXXX 15 U.S.C 1681 section 602 states : I have right to privacy. 15 U.S.C 1681 section 604 A section 2 it also states : a consumer reporting agency can not furnish an account without my writing 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 7 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 of the person knows or has reasonable cause to believe that the information is inaccurate. also when receiving a XXXX the account must be removed or the balance must state XXXX because the debt is paid and satisfied. I want the account to be removed from my credit report. Here is a copy of proof of my claim. It was approved by the IRS.
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal credit information is not reporting on Trans Union XXXX XXXX and it is not allowing me to obtain credit.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute 3 alledged collection that was reported on my credit report. 
This collection account was reported by : XXXX. XXXX XXXX XXXX account number : XXXX XXXX  XXXX due as of XX/XX/2025. It was reported to CRA Experian XXXX. XXXX XXXX XXXX account number : XXXX {$1200.00} past due as of XX/XX/2025. It was reported to CRA Experian. 
XXXX XXXX XXXX XXXX account number : XXXX {$580.00} past due as of XX/XX/2025. It was reported to CRA Experian I requested them to provide me with the purchase agreement to the collection debts above that theyre saying is mine. Its a FCRA violation to have these collection placed on my credit reports under XXXX USC XXXX G and XXXX USC XXXX S2. 
I need these 3 collection to be deleted off my credit report as soon as possible.
Product: Credit card or prepaid card

on XX/XX/2020 I went to the post office and got a money order for XXXX dollar. On the negotiable instrument I put the completed amount in accordance satisfaction upon redeeming the instrument. Due to the state of emergeny for Covid-19 I'm currently unemployed.
Product: Money transfer, virtual currency, or money service

I was invited to work for a website https : //meijuril.com/ # from a man I know via XXXX. The work is to grab jewelry orders from many brands in the system and earn stable automatic swiping profits and interest everyday. I tried to deposit {$1000.00} first through XXXX and they gave me XXXX orders, after completed XXXX orders I gained commission of {$58.00}. Next day, I received an order of {$6100.00}, I deposited {$5100.00} using XXXX and XXXX bank transfer and that man via XXXX said he will help me to deposited {$1000.00} to them. Then the next day, the system gave me another order of {$17000.00}. I contacted them and asked to cancel that order and they told me they can't. They said the system chose me as a lucky member to receive that order. I'll receive XXXX XXXX flight tickets, XXXX iphones XXXX and XXXX apple laptop and {$7200.00} if I complete it. The system froze my available balance and I need to deposit exactly XXXX. That man that I know told me he will transfer {$7200.00} to that company and want me to transfer {$10000.00} more. I transfer money through XXXX XXXX using the banks that the company gave me. After putting in $ XXXX into that website to complete that order, they did add {$7200.00} to my account then I have like XXXX orders to grab and complete. After completed XXXX orders, my available balance is $ XXXX and I tried to withdraw all my money. They told me to contact their financial department via XXXX. I contacted them and they told me I have to pay 20 % of the tax to them which is around XXXX so they can pay to the IRS first before they disbursed my fund. I believe it and pay XXXX using XXXX XXXX from my Bank of America to their banks in XXXX. and that man said he will help me XXXX more. After paying XXXX tax, they told me XXXX detected the existence of illegal money laundering suspicion of your account, the department of the out of the transfer of XXXX XXXX dollars for the corrective dismissal, and then initiated transfers need to be made to pay the amount of the transfer of 13 % of the security deposit can be a smooth out of the money. After that, I know that I was scammed by that man and the company.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Not Approved For Credit
Product: Mortgage

Fraud in the mortgage process - refusal to reinstate the mortgage- I am making a complaint about Select portfolio servicings refusal to remove my home from the public and private foreclosure listings even though it has been almost 2 weeks since they were paid the full amount of the reinstatement amt - arrears- {$30000.00}.

This is fraudulent and in bad faith on your part.

They were the ones that sent the figure for us to pay in order to reinstate the mortgage but they have refused to do so reneging and breaching the agreement. My home is still listed as under foreclosure, pre-foreclosure on XXXX, XXXX. It is unconscionable for them to continue to list it as still under foreclosure and pre-foreclosure when they have been paid the full reinstatement amount that they requested. 
This is fraud and intentional and negligent infliction of emotional distress that they are causing. It is a breach of contract and duty to use good faith in your dealings with us.
Product: Student loan

MOHELA took over my loans in XXXX. XXXX was my final payment under PSLF waiver. In early XXXX I submitted a certification of my last four payments for PSLF loan forgiveness. In writing, MOHELA said this would take 7-10 days. The waiver ends in XXXX. It is now near the end of XXXX, and nothing has happened. They won't even acknowledge my last four payments qualify. 

I called customer service about 14 days ago and they said it would take 6-8 weeks to process and the email was wrong. I asked to speak to a supervisor. Supervisor XXXX told me my load forgiveness would be escalated, and that its processing would be in writing. She never sent me the confirmation in writing and my account still shows four payments to go, which is incorrect. 

This is an unfair and deceptive practice from a loan servicer. The waiver ends in XXXX and their delay is affecting my rights. XXXX gave me reference number XXXX and her number is XXXX x XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I noticed my credit score drop over 100 points on TransUnion and XXXX. I saw A new account with a balance over XXXX from XXXX Card. I have never applied for anything with this company. I have been getting calls from an unknown number. They would leave messages saying its chase but I thought this was spam and never returned any calls. I do not have any accounts with chase and have not applied for anything
Product: Checking or savings account

I havent been able to access my account since XX/XX/XXXX I was informed by email by the bank as well as over the phone multiple times that It would only take XXXX hours to have this issue resolved. They have been lying I sent them my ssn card, my ID card, unemployment letter with my address on It. They told me the reason my account It on suspension is because unemployment tried to deposit money into my account that Ive been waiting on for over a year. I lost my job due to Covid and been waiting on the unemployment to send me the benefits they were delayed. An appeal was filed and all. I just feel like this is wrong I have bills I had to pay and was not able to pay ANY of them and now Im about to be put out of my home because I can not pay my rent. My car note no food in the house like Im telling these people they need to stop lying and tell the truth and all they continue to say is XXXX hours. Im the pictures I added the picture that has the email I wrote with the pictures attached are my ssn card is card bank statement with my address aswell as the unemployment letter I was sent about my funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is unavailable to discuss dispute of credit score. I received an email giving me excuses why their credit report reflects a score 50 points lower than other credit reporting agencies. Experian claimed their reporting is similar methods are similar to XXXX  and XXXX. My scores with XXXX  and XXXX  are reporting scores significantly higher than Experian. My other scores keep going up and my Experian score went down 20 points in one month with the same account information as the other two agencies. Experian continually advertises for me to pay to boost my score, lock my account, and any other service that i may want to raise my score. I believe this is unethical business practices and coercion for money. This costs me money in more ways than one. Im supposed to accept this from a company that doesnt secure my information from cyber attacks. Experian is releasing incorrect information to lenders that impacts my interest rates and subsequently the money I pay for loans. I feel this is unfair and criminal.
Product: Credit reporting or other personal consumer reports

I was a victim of the XXXX data breach. I want this item deleted from my credit report XXXX. I have communicated with Transunion and presented to them the supporting documents stating I was affected by the breach, and it has been deleted from XXXX XXXX because of this data breach. Transunion refuses to remove this account.
Product: Debt collection

I received a text message from XXXX that read XXXX, XXXX XXXX, Contact XXXX at Global Solution Biz regarding your XXXX XXXX XXXX case in our office. We have made numerous attempts to reach you with no success. Balance Outstanding {$8500.00}. I want to know if you can close and settle for $ XXXX. Your case number is -- -- -- -- -- - and our contact number is XXXX ext XXXX. Or via email XXXX. Thank you in advance for your cooperation. Then the message was immediately sent a second time. 

I responded, you have the wrong number, do not contact me again. You're harassing the wrong person and with my legal background I hope the person you're looking for does not see this as sending this info is illegal. If you call/text this number again, expect a lawsuit. 

They immediately responded in ALL CAPS. 

WE SPOKE TO XXXX XXXX AT THIS NUMBER. HOW DO WE HAVE THE WRONG NUMBER?? 
IT SAY XXXX XXXX ON YOUR VOICE MAIL. 
I OFFER A SETTLEMENT ON THE BALANCE YOU OWE MY CLIENT SO HOW DO YOU WANT TO PAY THIS? 

I responded, you have a lawsuit coming. If your client had any grounds, that's what they would do. Not hire an unprofessional collection agency like you. 

They responded again in all caps MR XXXX MAKE SURE THERE IS A CHECK ATTACHED TO IT FEEL FREE TO CONTACT MY CLIENT AND ALSO PAY THEM WHAT YOU OWE. THANKS HAVE A GOOD EVENING XXXX XXXX I responded : XXXX, you have been notified to stop contacting this number multiple times. What is your mailing address? You've broken at least 4 laws in this 1 conversation as well as contradicted yourself by saying you've attempted to make contact several times with no luck and now saying you've spoken already. If you think harassment is going to get you anything other than a lawsuit, you're sadly mistaken. If you feel mr XXXX owes you or your client money, I suggest you file a lawsuit yourself rather than harassing me via text message. No legitimate business would do that. You hold no credibility with me and i'm sure this is a scam attempt. I will now notify the FTC. Typing in all caps like an upset school girl, just shows you are not a legitimate business. Good Day Maam. 

They replied again in all caps MR XXXX STOP HARASSING ME, I SAID GOOD EVENING AND YOU KEEP TEXTING. 

I REPLIED : What is your mailing address and what state is your collection agency registered? Any real agency is required by law to answer that question. 

They replied : HAVE A GOOD EVENING! 

I replied : what I thought, you are a fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS & UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THIS ACCOUNT? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required

under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. Sections 616 and 617 provide me with remedy when a credit  reporting agency does not comply with the law. You are willful noncomplying with the FCRA. 

Since you CLAIM TO HAVE VERIFIED THIS ACCOUNT BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO " UPDATE/REPAIR '' THE FOLLOWING ACCOUNT. 

XXXX XXXX XXXX XXXX Date Opened XX/XX/2014 Balance {$0.00}.
Product: Student loan

I received a call from EdFinancial about a debt they say was obtained in 2014 at XXXX XXXX. I explained to them that I did not attend XXXX in 2014 and that I did attend for a semester way before 2014 and I did not apply for a loan and I never received anything since attending there that I owed them. So the lady I spoke to said that she would send the fraud forms but instead I received XXXX 60 day past due notices. I called them today XXXX and asked them where are the fraud papers they said that it would take 43 days. I said by the time I receive them I will be in default for a debt that isn't mine and that I am not paying. I think they have deceived me into paying instead of allowing me to dispute it. My other loans are under the Borrowers Defense application so why is this one not. Thank you
Product: Credit card or prepaid card

I am a victim of identity theft. I had this police report before where I left my left open in a public place then I lost my bag with my cards and Ids inside it Someone who has taken my things took advantage of and made this fraudulent account under my name. The fraud was opened on XX/XX/2019 with an amount of {$25000.00}
Product: Checking or savings account

ON XXXX I RECEIVED A CALL FROM PNC BANK XXXX XXXX XXXX XXXX XXXX , VA STATING THAT SOMEONE WAS TRY TO USE MY ACCOUNT. THEY SENT ME A TEXT MESSAGE THAT SAID ANSWER Y FOR YES OR N FOR NO. I CHECKED THE N BOX. THEN THEY TOLD ME THAT A REPRESENATIVE WOULD BE CONTACTING ME. SHORTLY AFTER THAT MY PHONE RANG I ANSWERED AND THE PERSON INDENTIFIED HIMSELF AS SOME WHO WORKED WITH THE BANK. HE KNEW ALL MY CHECKING INFORMATION AND PRECEDED TO TELL ME WHAT WAS IN MY ACCOUNTS. AFTER I HUNG UP THE PHONE I SOON REALIZED THAT THIS PERSON HAD TAKEN {$1200.00} OUT OF MY ACCOUNTS. I WENT TO THE BANK TO FILED A COMPLAINT. THEY TOLD ME I SHOULD HEAR SOMETHING WITHIN 10 DAYS. WHEN THE LETTER CAME THEY DENIED ME MY MONEY BACK STATING THAT THIS WAS DUE TO CUSTOMER 'S HISTORIAL PATTERN OF USE.THE PERSON THAT TOOK MY MONEY USING XXXX CAME ACROSS AS A XXXX XXXXHOWEVER I DO HAVE A NIECE NAMED XXXX XXXX THAT XXXXXXXX XXXX ME OFTEN.THAT WAS NOT HER DOING.IM THINKING THEY DIDNT LOOK AT THE LAST NAME OR THEY WOULD HAVE SEEN XXXX XXXX