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

XX/XX/2015 {$770.00} dollars I rarely check my credit score and I happen to do so as of late and I noticed a derogatory mark on an account I am not familiar with. just wanted some help
Product: Checking or savings account

open checking account to help myself manage my personal expensed and small investments on coins. My last deposit of {$75000.00} was questioned me by agents of Capital One 360 checking account. 
then, I sent to a reputable company a wire of {$50000.00} to buy coins and it was returned, and got an e-mail saying that my account would be closed and the balance in this checking account {$73000.00}, would be mail to me within XXXX days ( I got this on an email notification on XX/XX/22. 
Never got the reason or reasons of why. Call them several times, and it has been a month, when I call the agent says that my account is under investigation, but never discuss what kind of investigation. 
XX/XX/22 is been a whole month about this issue, and up to today, Capital one 360 restrictions answers my call telling me that the investigation still on, but account is on restrictions and closed.??? 
where is my money {$73000.00}, if they closing the account since XX/XX/22???? 
what should I do next?
Product: Student loan

On XX/XX/XXXX I received an email saying the terms of my account have changed. Right after I recieved and email saying the status of my account was changed to Disaster Forbearance. I didnt make this change to my account so I called to get it corrected. Because my address on file was in an affected area of hurricane Irma, I automatically qualified for my account to have disaster forebearance. I didnt want my account to have this because I would have capital interest and my payments would have gone strictly to interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX XXXX XXXX ( XXXX ) web-site used for managing and scheduling online payments has been and continues to show false information that lead to confusion and ultimately to some of my scheduled payments being late. The initial reason is that they simply don't process payments on the dates that you actually schedule them. So when they do eventually ( 5+ business days ) process  scheduled payments, in my case the funds were no longer available in my checking account. 

The next problem and my biggest issue is that their web-site still shows these scheduled payments as " Posted '' which is misleading and inaccurate because in the end the payments were not actually cleared and processed. This misinformation on their web-site directly resulted in my not catching the issue in-time to prevent a 30+ day late payment. It wasn't until I noticed the minimum monthly payment amounts were literally doubling month over month that I researched the issue, looking over bank statements, etc. and identified this major issue with their web-site. Even their automated phone systems provided the same ( false ) information when I first called to inquire. 

I've been in contact with a " Disputes Team '' since XX/XX/2019 about the matter, who are only available for contact via email. I've requested that they acknowledge this issue with their web-site as a contributing factor to my payments being late and remove the hit to my credit report but they refuse to accept any responsibility. 

Since identifying the issue, I've brought my account current by scheduling payments through my own bank 's " Bill Pay '' system to ensure timely payments, which has worked perfectly. Unlike the XXXX web-site, my bank actually processes the payment on the day I schedule it so I don't have to worry about balancing my checkbook on a daily basis just for this one particular vendor that takes an exceedingly longer time than any other merchant to process a scheduled payment.
Product: Credit card or prepaid card

I am an XXXX XXXX service member and have been since XXXX. For whatever reason when I opened my XXXX XXXX XXXX, specifically the XXXX XXXX and not the standard Platinum, American Express did not apply the Military Lending Act to that card. They have previously applied it to all other American Express cards with no problem, but for some reason did not do so when I opened this account. For the last two years I have tried several times to have them please apply the XXXX to my account with no success. Most of the attempts resulted in a response where American Express mistakenly attempted to apply the Servicemembers Credit Relief Act instead of the XXXX ( as I opened the account after entering XXXX XXXX this does not apply to me ), even when I specifically asked to be reviewed for the XXXX not the XXXX. The last XXXX attempts were successful in getting the account reviewed for XXXX eligibility, but I was then told that the XXXX database did not report I was eligible for XXXX coverage. As this confused me I logged into the XXXX database myself to check and found that I was in fact eligible for XXXX coverage according to the Department of Defense. I then proceeded to check the XXXX database to see if there was a clerical error there and found that I was also accurately reflected as being eligible for XXXX under that database as well. It was at this point I again attempted an XXXX account review with amex for my XXXX XXXX card, except this time I have not even been given a response. Can you please help me? I will attach my proof of eligibility that I received from both the XXXX and XXXX databases below. This is a dispute I have been attempting to put to rest for over two years now and would like it to be settled as soon as possible.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the following unauthorized inquiries that have appeared on my credit report. I have never applied for credit nor given permission to the companies listed below to run inquiries on my credit report : 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 Additionally, there are other inquiries on my credit report that I do not recognize and did not authorize. These inquiries are as follows : resident verify XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX were made without my consent or authorization. I request that these unauthorized inquiries be removed from my credit report immediately. 

Please investigate these unauthorized inquiries and confirm their removal in writing. Enclosed are copies of my identification and a copy of my credit report highlighting the unauthorized inquiries for your reference. 

Thank you for your prompt attention to this matter.
Product: Debt collection

GB COLLECTS LLC has been contacting me for a debt that I don't owe. They have failed to provide any contract or any information regarding the alleged debt.
Product: Credit reporting or other personal consumer reports

" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry. 
Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit. 
Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report. 
Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor. Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-m
aking processes or reasons for initiating the inquiry. 
Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  XX/XX/XXXX {$18000.00} Closed Overview You have XXXX XXXX  left to pay on this loan. 
Balance : {$18000.00} Highest balance : Account details Account Number XXXX Account Status Charge Off Open Date XXXX XXXX, XXXX Last Activity XX/XX/XXXX Type Responsibility Individual Remarks Charged Off Account Times XX/XX/XXXX Days Late XX/XX/XXXX Month 's Reviewed XXXX Terms Count XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} Current Payment Status Collection/Chargeoff Amount Past Due Payment history Youve made 2 % of payments for this account on time. 
Paid on time 30 days past due 60 days past due 90 days past due 120 days past due 150 days past due Bankruptcy Repossession or foreclosure Collection or charge off Voluntary surrender No data available XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX N/A Account ID : XXXX Collection or charge off Voluntary surrender No data available 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: Credit reporting or other personal consumer reports

I do not consent nor authorize the sharing of my information to the public, specifically with data aggregators who are looking to collect information on my behalf
Product: Student loan

I was pressured by a third party to get this loan with guaranteed job placement once graduated. I am thousands of dollars in debt. Navient has a class action law suit. The penalties are through the roof. I believe that this was fraudulent activity
Product: Money transfer, virtual currency, or money service

This case is XXXX MA Police report # XXXX. Please keep this email chain for your records. This was a rental scam of {$1700.00} via transactions on Venmo and failure to provide promised apartment ( fraud ). This has also been reported to the FTC. 

Transactions occurred over Venmo on XX/XX/XXXX and XXXX XXXX Venmo has refused to reimburse me or fully investigate this. My bank, XXXX XXXX, also refuses to reimburse me or conduct any investigation whatsoever.
Product: Credit reporting or other personal consumer reports

THis is a follow up of XXXX complaint that was closed and not resolved. 

I would like to re-open due to lack of resolution and add that I found due to a follow up call that when asked to remove my freeze and that it was confirmed removed by the customer service rep, that is subsequent calls the freeze had continued. I made a call yesterday and they have claimed to have removed for the 2cd time. This is just plain unacceptable customer service.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the fair credit reporting act these accounts below have violated my Rights XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # 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
Product: Credit reporting, credit repair services, or other personal consumer reports

See attatched Letter dated XX/XX/XXXX XXXX XXXX  USAA Accounts 1 ) XXXX 2 ) XXXX We are currently processing and will NOT BE CONDUCTING FURTHER INVESTIGATION. See attatched 1099- C DEBT DISCHARGED 3 )  XXXX CANCELATION OF DEBT XX/XX/XXXX. 
I attatched documents previously Equifax DID NOT ADDRESS A THIRD ( 3 ) Account. I also attatched documentation USAA MASTERCARD STATEMENT 4 ) XXXX XX/XX/XXXX BAL {$100.00}. Equifax did NOT ADDRESS THIS ACCOUNT. I see four ( 4 ) USAA DIFFERENT ACCOUNT NUMBERS???
Product: Credit reporting, credit repair services, or other personal consumer reports

I got a consolidation loan from PenFed back in XX/XX/XXXX. I missed quite a few payments on this loan but applied for a hardship application and had my missed payments bumped to the end of the loan. In XXXX I went with a Debt Consolidation company to pay off my debts. I was told that once I went with this company I can no longer make payments straight to Penfed and that those payments would have to come from the company and my previous agreement with Penfed is now terminated. I didn't stay with that company long but made an agreement with Penfed that let me keep my payments at the lower payment. Long story short I have been making {$500.00} payments since XX/XX/XXXX. My balance since XX/XX/XXXX was {$23000.00}. Today my balance is still {$23000.00}. I have missed quite a few payments during that time but for almost the last XXXX years I have made my payments on time and nothing has changed. I don't know how this is possible. When I look at my statement my payments are going to finance charges and the insurance debt protection. Which was canceled back when I went to the debt consolidation company. Some months my payments goes to just finance charges other moths it goes to finance charges and this insurance, I don't understand for the life of me how none of my payments are going to the principle.
Product: Mortgage

Hello, I was with XXXX up until XXXX of XXXX. Fay servicing took over my mortgage and I never had an issue with XXXX. I had one late payment and when I called them, they simply took payment over the phone. 

In XXXX I was busy renovating my property because my previous tenant destroyed the home my clogging my pipes with rags. There was flooding and i had to take care of this to be able to rent it back out. I accidently missed the payment. I thought I had made an auto transfer from my XXXX  to my XXXX XXXXccount and I never completed it. I tried for over a week to reset my password online to make a payment but couldn't. No matter how many times I reset my password I couldnt get online and access my online to make a payment. I got a call from Fay servicing telling me that I was 45 days late and I apologized for being late and said i had treid to make payments online but it was letting me and end of year was just so hectic, but to please take payment from XXXX account. The lady from Fay said that the online was blocked and she couldn't take my payment over the phone either because after 30 days late they start the foreclosure process.She said she didnt have the amount that had to be paid to reinstate the loan. I then got the flu followed by my daughter and another week passed I called Fay and they said i am 50 days late and to reinstate my loan i had to pay {$20000.00}. I am now getting charged {$15000.00} in fees for being late 50 days which would have been less had they allowed me to pay earlier. I almost fainted and i got very upset with the respresentative calling this an abusive dirty tactic to try to get small business owners to lose their property.
Product: Debt collection

Jefferson Capital- Reference # XXXX I responded to an email this past month. It alleged that I owed {$470.00} from a XXXX bill dated XX/XX/XXXX. The last time I had a XXXX account was in XXXX. 

When I spoke to the person from J.C., they demanded my SS # to start the investigation. I refused. On XX/XX/XXXX, I received an invoice. 

I have worked in the XXXX XXXX XXXX  for 25 years. This effort has all of the " smell '' of a phishing scam! I know that there are companies attempting the prey on conscientious XXXX  who typically respond to unsolicited email transmissions.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/XXXX I took out a loan with XXXX XXXX XXXX XXXX and paid a payment in XX/XX/XXXX but could n't make another. It was put into collections and I called and asked if I paid off settlement amount would the negative item be removed from my credit report and they said yes no problem. So I made a settlement amount and it is still listed on my report which I have done several disputes and called them to get it removed and every time I call they say a different story from yes it will be taken off but give it 60 days. That did n't happen and then called again and was told they do n't do that. I have fought with this creditor and credit bureaus and gotten no where. This account was paid and I only did that after I was told it would be removed. I have nothing else I can do and I am tired of fighting this is my last option. The payment status says paid in full but I want it removed like they told me to get the payment
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX, and I am addressing this complaint personally, with no third parties involved. Ive attached letters that elaborate on the errors in my credit report. The reports from XXXX, XXXX, and Equifax contain inaccurate and inconsistent information with incorrect dates.
Product: Debt collection

I had an XXXX  last year my coworkers from my previous employer took me to a fire station had first responders they called a helicopter that wasn't needed and im now being charged with my previous employer said that the insurance company would take care of it or the fire-station
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the late payments on XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX,  accounts for months. The credit bureaus refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP
Product: Credit card

XXXX XXXX id : XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX hours ago ) My name is XXXX XXXX XXXX age XXXX with an XXXX credit score and I am appealing the Citibank decision to charge me for the XXXX XXXX XXXX XXXX purchase on XX/XX/year>. I notified Citibank immediately upon learning a charge was made using my card the next day on XX/XX/year>, telling them that I hadn't ordered it and that the charge was fraudulent. 

I explained and provided my proof of purchase from XXXX XXXX using my card XXXX XXXX XXXX for my purchase of XXXX on XX/XX/year> more than a month before the charge on the XX/XX/year> date in question. 

The Citibank XXXX card has been locked by me so no other fraud charges can occur while this is being handled. I notified Citibank and XXXX immediately that it was fraud and they are still saying I have to pay XXXX. The only way I can prove my innocence according to Citibank is to show proof of purchase using another credit card to make the XXXX purchase, which I did for the XX/XX/XXXX purchase of the XXXX which was mailed to me, but I can not provide proof of purchase as requested by Citibank for the XX/XX/XXXX charge of XXXX since that transaction was made by an unknown fraudulent person. 

The only place I used the card was at XXXX during XXXX, XXXX, and to pay for the XXXX install on XX/XX/XXXX at Best Buy in XXXX NC, not at XXXX XXXX on XX/XX/year>. 

Will you please help me correct this fraudulent use of my credit card? 



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

I applied to take over a lease from a private party through the website XXXX of which I am a member. The leasing company was US Bank. They denied my application. I requested in writing why it was denied and the written reply was " Terms/conditions requested not offered ''. What the does that mean ... you ca n't talk to a person. I requested a copy of the report that was used to deny the application. They charged me {$120.00} to apply so I should be entitled to see the basis for the denial. The last communication from them was on XX/X/2017.
Product: Debt collection

Received a debt collections letter dated XX/XX/2018 from XXXX XXXX XXXX stating I owe PayPal XXXX. I dont have a PayPal account and have never used PayPal. I contacted PayPal on XX/XX/2018 who confirmed I do not owe them money.
Product: Debt or credit management

I was approved for two loans through XXXX XXXX  - Upstart. I had been making payments regularly and then got into a hardship program. I have not been able to make ends meet since. So they took me off of the hardship program and sent me to collections. I have tried everything possible to make payment offers before they charged off my account, but each representative, kept promising that they could help me. So, two different occasions I made payments, only to find out that they would not be able to help with hardship. So they would send a link, it wouldn't take my response, and then they would still take partial payment and say the hardship department can work something out with me. 

Basically, empty promises and I believe this is a good faith issue where this loan company is not practicing it. There is a promissory note, but how can I work out payment plans when they will not allow me to.
Product: Credit reporting or other personal consumer reports

XX/XX/year> an XXXX XXXX XXXXXXXX was submitted to this credit reporting agecy to correct an error on payment history for my XXXX XXXX Acct and was not properly resolved. 

Additionally, I filed a dispute directly with the agency and referenced the AUD they recieved and still did not correct the error. 

The lack of responsiveness, attention to detail, and failiure to process a required AUD is troubling to say the least. 

I expect the Agency to rectify the issue without any further requirements on my end.
Product: Checking or savings account

XX/XX/XXXX - I went into Citibank to open a checking and savings account with the offer to Earn {$400.00} when you open a new checking and savings account in the Citi Account Package and within 30 days deposit {$15000.00} into the savings or checking account and maintain this balance in the account for 60 days. 
XX/XX/XXXX - I set up my inter institution transfer to transfer {$15000.00} XX/XX/XXXX - recommended Citibank to a friend and friend successfully opened account using my referral number XX/XX/XXXX - Returned to CitiBank realizing I did not yet receive {$400.00} offer. Banker stated that it was because my checking account was closed and I did not have sufficient funds. However, I was not advised by first banker in XXXX regarding amount that had to remain in checking. I was only told that I needed to deposit {$15000.00} into my savings. Banker then stated she could help me open a new checking to get the offer. 
XX/XX/XXXX - Received email from Citibank stating " Thank you for choosing Citi for your banking needs, and for your enrollment in the Citibank {$400.00} Checking Offer ( " Checking Offer '' ). Unfortunately, we have determined you have not fulfilled the Offer 's required activities for the following reason : Your checking account is closed and therefore not eligible for the offer '' XX/XX/XXXX - Returned to CitiBank regarding complaints, and banker ( that helped open second account ) advised to file dispute. I requested to close account so I can transfer my money to another bank, but banker kept advising to file dispute and wait again. 
XX/XX/XXXX - Have not yet received any communication regarding status