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

I am an employee for XXXX XXXX XXXX XXXX and I have been out on medical leave from XX/XX/XXXX to the present. On XX/XX/XXXX, a direct deposit was made in error and that money was not mine because I did not work and were not entitled to any funds directly from XXXX XXXX XXXXXXXX in XXXX. On XX/XX/XXXX, I was made aware of a transaction from my company XXXX XXXX XXXX XXXX in from the Administrative Judge in my XXXX case. My employer deposited a check in the amount of {$910.00} into my closed account at Suntrust. Suntrust bank never got in contact with me about the deposited funds. Nevertheless, the reporting of the funds to social security has caused me to lose out on my XXXX because it appeared that I worked. On XX/XX/XXXX, I contacted my employer and asked them to correct the issue with the 3rd quarter reporting of wages, and to also correct my XXXX form, which they refused to do. According to my employer, I had received the funds and it was my problem. I then contacted Suntrust bank and talked with Mrs. XXXX ( the Vice President ) at the XXXX XXXX location in XXXX XXXX, NC. She typed up a letter for me stating that my account was closed on XXXX the XXXX and that any attempt to deposit money into my account would have been sent back. As it turned out, Mrs. XXXX reported to my employer that I owed the bank money and they utilized the funds to pay off my debt to Suntrust, but I never received a statement to that effect. In addition, Suntrust did not send me the remaining balance from the funds. I contacted Mr. XXXX XXXX ( Supervisor at Suntrust with the Account Recovery and Retention Department ) and explained how the money that was deposited into my account was not mine and needed to be returned to my employer. Mr. XXXX instructed me to have my employer 's ACH to contact Suntrust 's ACH and to have the funds pulled back. I told my company what he said to do ; however, XXXX XXXX ( HR ) took it upon herself to contact Mrs. XXXX On Friday, XX/XX/XXXX. Mrs. XXXX asked Mrs. XXXX to provide her with my information before she could discuss my account, which she did without my consent/ permission. On the same date, Mrs. XXXX proceeded to share the details of my bank account with Mrs. XXXX and again, this was done without my consent. There were at least four exchanges of communication with these individuals, with three of them being written exchanges of information in e-mails, which I have in my possession. I contacted my employer and discussed the misrepresentation of Mrs. XXXX with XXXX XXXX ( CFO of XXXX XXXX XXXX XXXX ) on XX/XX/XXXX ( because this should not happen to employees ). He refused to investigate the situation although he forwarded e-mails to me. When it comes to me recovering the funds, Suntrust sent me a check on XX/XX/XXXX, for only {$660.00} out of the total deposit of {$910.00}. This amount in no way covers the full deposit, which I am returning to the company, but I need the full amount.
Product: Student loan

I wanted to further my education into getting a degree/diploma in XXXX XXXX  I contact the schooXXXX XXXX XXXX XXXX XXXX XXXX to help me with my desire. I was told I was going to get reach out to since there was no class at the moment, the school was going to further investigate to find me the course that would subsequent in elderly management. The school instances that I should take a loan ( climb ) which I denied numerous times since I did want to pay out of pocket. Since XXXX XXXX XXXXXXXX didn't have my class at the time I was offered a class in XXXX which I didn't see fit since it was not the original class I had wanted. The school said they would get back to me if a class was aligned with my desire. A week to a week and a half later the school came back to me saying they couldn't give me the class I needed. I told the representative that I want to decline there services overall since it did not seem necessary. Since I did want to cancel I was sent a cancellation letter where I was then told that I had to pay a total of {$3400.00} to cancel. Although I had seen on my bank account that money had already been removed ( XXXX XXXX {$25.00}, XXXX XXXX {$100.00}, XXXX XXXX {$470.00} ). Which both XXXX and Climb both deny that either companies had removed the money. I communicated with Climb ( loan company ) representative had advised me the school should return the money I was instructed to open a case which I did so with the representative at climb. I have then been called almost everyday from XXXX XXXX XXXX to sign the cancellation agreement. Which I don't see why I should give them {$3400.00} if I had not received the services I needed to begin with. Lastly I decided to freeze all my bank accounts till I could find a resolution to this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX credit bureau is reporting inaccurate information on my credit report.I have resolved the issue with XXXX  and XXXX. The accounts are listed below : 1 ) EXETER FINANCE LLC Account number XXXX XXXX ) XXXX XXXX Account number XXXX 3 ) XXXX XXXX XXXX  Account number XXXX 4 ) XXXX XXXX Account number XXXX XXXX is also reporting multiple inquiries that don't belong to me. 

1 ) XXXX XXXX XXXX XX/XX/2020 2 ) XXXX XX/XX/2020 XXXX XX/XX/2020 XXXX XXXX XXXX XX/XX/2020
Product: Credit reporting, credit repair services, or other personal consumer reports

This situation mirrors the other Complaint I have submitted through you on XXXX. As shown Through XXXX XXXX My Transunion reporting of my Credit Score of XXXX as excellent on XX/XX/XXXX then on XX/XX/XXXX it dropped to XXXX as fair and remains there today. 
There are no late payments and no adverse remarks posted for any reason showing why score has changed. The only article listed is that XXXX XXXX cancelled my XXXX Viza card, as they did for a multitude of card holders with XXXX XXXX, to a new card which I received and activated with the new XXXX XXXX Mastercard through XXXXXXXX XXXX. I have made several inquires and Transunion gave me no reason why the change occurred. I contacted XXXX XXXX to no avail and both XXXX XXXX and XXXXXXXX XXXX again to no avail. The change was done by XXXX XXXX and was no reflection of any negative remarks or actions on my behalf. I have had the XXXX XXXXXXXX visa for over 9 years without any late payments as the recorded by XXXX XXXX visa XXXXXXXX XXXX This action by Transunion was done for no reason and with one stroke of  the keyboard has affected my credit scores by a drop of 132 points. 
XXXX XXXX.
Product: Debt collection

I contacted Gatestone, a company contracted by XXXX XXXX to collect debts, through phone ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) and email ( XX/XX/XXXX, XX/XX/XXXX ) in an attempt to reinstate my credit cards from XXXX XXXX. I was ignored on every email contact attempt despite confirmation of the email address from phone representative contact on XX/XX/XXXX. I was able to reach my " account manager '' on two of these dates, and was spoken to rudely and briefly. I spoke with the first level of support on the other phone dates. I was informed by my account manager that since credit card 1 was cancelled and it was beyond 120 days since cancellation, my account could not be reinstated. I called and asked about reinstating card 2 since it was close to 60 days and was told by level one support that it wasn't  possible ( for reasons unknown ) but I have spoken with XXXX XXXX and they informed me Gatestone should be able to reinstate credit card 2. I am requesting that credit card 2 be reinstated.
Product: Credit card

Hello There, I had applied and got the Bank of America Preferred Rewards credit card which has an charge of {$95.00}. In all their Promotional material it says get up to {$200.00} in travel statement credits with {$100.00} towards airline incidents such as seats, baggage etc. Please refer to this link : XXXX XXXX XXXX So I paid {$200.00} for 1 Bag on XXXX XXXX XXXX XXXX XX/XX/2023 for travel from XXXX to XXXX to XXXX for which I didn't get the {$100.00} credit. On calling the customer support and raising the ticket I was informed about the Terms and conditions has a mention on which Airlines are allowed. As an average credit card user, when you look at the above link, there is no mention at all that the travel incidents apply only for certain airlines like there is no asterisk or any other sign. Also in their promotional material there is no mention of any restriction so I didn't look into the terms and conditions. 

Now my issue is that Bank of America is grossly misleading people in believing that {$100.00} credit applies to any airlines in their marketing material with no mention of conditions apply or an indicator like asterisk that it applies to certain Airlines only. How are we supposed to know to check on such fine print? 

I request you to please look into my case and help me with some resolution. 

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

Its reporting on all major companies XXXX, XXXX, XXXX, XXXX XXXX that I am behind on credit cards and accounts that I have played off or balances are incorrect I have proof of current accounts which I will post below in the evidence. Then I have an account that is old and it keeps reaccuring and I never did business with the company it was removed in XXXX, and resurfaced in XXXX of XXXX. 
XXXX XXXX  credit card Macy account card I literally begged and was hung up on and avoided from XXXX For Macys to close my account they report it to you as close yet continuing to charge me then I pay the account off once in. XXXX down to half requested to close and I look up and I have a XXXX $ plus bill I pay off XXXX on XX/XX/XXXX to settle the debt to a XXXX balance and they will not update it Citi bank gas card I updated and paid the balance {$220.00} on XX/XX/XXXX and they still have yet to update the payments on my accounts I will attach proof of these below its law to report accurate I formation on a debt according to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681 i ( a ) ]. 9 I am disputing the amount on these items and I asked that an update on all my credit card accounts be issued in an  investigation to the correct amount and to report XXXX balance and when the accounts were properly close and to a erase XXXX XXXX  card which is not mines it keeps reappearing after it's been removed in XXXX I added new lines with XXXX  XXXX yet they haven't updated and its withholding my score jts not fair that I have paid off accounts and they wo t update the information
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a notification in my email that XXXX  completed their investigation into my dispute of the following accounts ; File XXXX XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XX/XX/XXXX- XXXX XXXX XXXX XXXX, XXXX XXXX - XXXX XXXX XX/XX/XXXX XXXX, XX/XX/XXXX XXXX XX/XX/XXXX XXXX University. I have faxed this information and sent certified mail to both Equifax and XX/XX/XXXX in regard to these same accounts. I demand that XX/XX/XXXX and Equifax remove these items immediately. I have been advised by my attorney to file a complaint here prior to proceeding with a lawsuit. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Thank you
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : 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  As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Transunion has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report XXXX, hoping that you make a better decision in my situation, thank you
Product: Money transfer, virtual currency, or money service

On XX/XX/2021, my wife requested a transfer of funds from our Citibank business account to my Citibank personal account in order to purchase a vehicle for {$37000.00}. While visiting the branch at XXXX XXXX XXXX, XXXX, CA XXXX, they told her that they wouldn't be able to send a wire for the vehicle purchase because she was not listed on the account, but we would be able to send it online. When she came home, I had her log into my account and send it online. That was the same day, XXXX, XXXX. The next morning, the person whose vehicle I'm purchasing said they hadn't received the wire transfer. I immediately started calling the bank that morning to see what might have happened to the transfer. I was told it was on hold and we needed to wait, the representative also said she would call us back and never did. We called back and the representative said that it was on hold and she would release the hold. After speaking with her, we received an email saying the hold had been removed. On the third day, we contacted the seller and he said that he had still not received the wire transfer. We called the bank again, they said it had been flagged for fraud and it would take another couple of days for them to place a tracer on it and see where it went. We called several times on Thursday and Friday and they have been unable to give us any information as to where our money is. This bank has been so incompetent, I don't understand how they are allowed to deal with peoples ' money. We have been calling today, XX/XX/2021 and the first time the rep said the money was still with them at Citibank, but being investigated for fraud. We called back to check the status and the rep hung up on us after a 93 minute hold. We are now on hold again, since XXXX and it is now XXXX. {$37000.00} is a lot of money to just sit back and let float around in limbo without anyone knowing anything that is going on. I feel like this bank has bad intentions with my money. They have not been forthcoming with any information regarding why they are holding my money and I need to know why and where my money is. This is completely unacceptable and unprofessional. They have been holding it for 7 days, now.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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 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: Credit reporting or other personal consumer reports

I've sent documents numerous times to each credit reporting agencies regarding XXXX XXXX XXXX reporting late information on my account which shows inaccuracies of days late payments. They are reporting different days late to each credit reporting agency. If this information is being reported incorrectly than it should be removed from my credit report. XXXX, XXXX and Equifax have ignored my documents showing inaccuracies and have not removed reporting information from my report from XXXX XXXX XXXX.
Product: Credit card

On Sunday, XX/XX/XXXX I received a electronic notice from XXXX - a money management software program, that my American Express Credit Card APR interest rate went up by 15.00 % without any warning or notice and without cause. I have had low 10.25 % APR on purchases for many many years without any issues and now I am slammed with a 25.24 % purchase APR without any reason. I have a clean credit history, no late payment, and very high credit scores! I have been with American Express since XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I reviewed my consumer report and noticed that I had one late payment on an account that I was Never late for Consumer Reporting Agencies have assumed a vital role and have a responsability to report consumer information to the best of their ability with maximum Accuracy I have Never been late on payments for the Account XXXX. account # XXXX. Please investigade and provide Proof with statements showing that these payments were late. If Proof can't be provided I demand this payment be updated to on Time as they should be as I was NEVER Late, thanks
Product: Student loan

Hello! 
My name is XXXX XXXX. I am currently a XXXX. I had originally loan Wells Fargo student loan about {$16000.00} XX/XX/2010 for XXXX University. As of this year, I noticed that my interest rate as increased to about {$5000.00}, which all together is {$21000.00} I own from them now. However, since I was very interested as to why they are already charging me interest while I am XXXX, I personally went to a Wells Fargo local bank to speak with a banker. As I was there, they called the call center for student loan and I spoke to couple of people, but I still felt like I was n't really given an answer as to why they are charging me already, if I am still going to school. Please, if I could get some answer and some solutions to my claim, will truly be great. It is very XXXX, first as a single mother, who is looking for a place to rent, but is n't able to find a reasonable one because of how the student loan have decrease my credit score. I will truly appreciate the assist. 

Thank you XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates XXXX XXXX XXXX. This error has caused XXXX XXXX to my XXXX, my XXXX, my XXXX XXXX XXXX and to my XXXX! 

I demand the late payment reported in those account to be removed. 

They are not in compliance with the following law. XXXX XXXX XXXX and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

XXXX XXXX XXXX ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. 


Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is XXXX, XXXX, XXXX, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Debt collection

I was involved in an auto accident with a vehicle owned by the State of Utah. I gave my insurance information at the scene. 

My insurance ( XXXX ) paid out. 

After my insurance paid out, the state ( I think their Division of Risk Management ) mailed me asking for ~ $ XXXX. My car insurance company said don't pay it, they've already paid and will handle it. 

Two years later, I get mail from the Division of Finance saying to send ~ $ XXXX to their Office of State Debt Collection. 

I call them and say it's not legitimate. They say they won't verify the debt, but I can try to figure it out myself. I confirmed with my past insurance company that the claim was already settled. I emailed the Division of Risk Management and they said they'd fix the debt collection issue. 

Two months after that, I just received mail from Transworld Systems Inc. asking for even more money, again related to the car accident that they keep trying to double-charge me for. 

Can these clowns stop mailing me false bills before I have a XXXX  XXXX?
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised that XXXX XXXX XXXXXXXX Account # XXXX is attempting to collect on an expired debt. I am invoking my right to cease them, based on factual law that this debt in question is legally expired under the Statute of Limitations and Must be Deleted from my credit report the last date of activity was XX/XX/2018 Please know that this is the second time I filed a complaint and still hasn't been resolved. 

I am completely aware of how long the debt is legally collectible and how long it is legally reportable. I realize an OPEN-ENDED DEBT is allowed to be reported to my credit for 3 years in the state of Virginia according XXXXo Va. Code Ann. 8.01228 et. seq. My research has shown me that often a collection agency and original creditors will reset the date of the original charge off to the date they purchased or sold it, thus trying to extend the reporting time in an attempt to force a consumer into paying it. I am informing you of this knowledge so that you can make the credit bureaus do the right thing.