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

I have been charged overdraft fees on my accounts with Navy and my deposits were always made prior to any debits. 

Navy paid items and charged fees after funds were deposited prior.
Product: Credit card or prepaid card

Yesterday I saw my statement and noticed a charged that was around XXXX XXXX that I never knew about. I looked into it and found out it was a security charge fee I never signed up for or was told about the singing up for the card back in XX/XX/2018. I called and canceled today but they only gave me a partial refund. They refused to give me a refund for those months when they charged me the fee without me knowing. I notice and looked into this problem when I notice the balance of my card increasing even though I have been making payments. The bank that is connected to my XXXX card in synchrony bank. I have also heard my other complaints from people about the security charge they have been charged from synchrony bank and took awhile for them to know just like my situation.
Product: Debt collection

I have sent this company several letters asking them to verify the debt they claim that I owe. I have yet to get a response back from this company. I have attached the letters sent to this company. This company is in clear violation of 15 USC 1692g Sec. 809 ( b )
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. Please see attached file for these inquiries am complaining.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, On XXXX XXXX, XXXX I filed a complaint about the following reports being inaccurate : XXXX XXXX - date of report : XX/XX/XXXX. 
XXXX XXXX XXXX XXXX - date of reports:XXXX and XX/XX/XXXX. 
I asked for these to be removed from my report and I have not heard anything about this matter.
Product: Student loan

I was trying to remove old student loans that had been consolidated off of my credit report ( the old, closed accounts ). They did not verify the account nor delete the closed positive accounts. Instead they updated about 10 accounts marking them as late in XX/XX/XXXX. These accounts were established in XX/XX/XXXX and XX/XX/XXXX and consolidated in XX/XX/XXXX. My accounts have been current all these years. When I called the number on my credit report, I got Navient instead of Sallie Mae. I was told they couldnt transfer me nor was there anything they could do because the account was n't updated by them. But its Navients number on the credit report. I have several copies of my credit reports showing these accounts were just reported as late from XX/XX/XXXX.
Product: Debt collection

Months ago, I called Mohela to ask that my payment due date be changed to the XXXX of the month. It was formerly the XXXX. 

On XX/XX/XXXX, I received a written message from Mohela saying that I was approved for a " new '' IDR plan that would take effect XX/XX/XXXX. My payment amount was higher with this new plan. I was on PAYE before, and PAYE now. This makes no sense as I did not apply for a new plan, and I did not re-certify my income. I did nothing to trigger this letter or payment change. Furthermore, the effective date of the plan change is XX/XX/XXXX, but they are charging me the increased amount effective now. 

I called Mohela customer service on XX/XX/XXXX for an explanation. They are claiming that merely changing my due date allows them to obtain and update my income. They claim this policy was in the " fine print '' when you apply for an IDR plan initially. I can not find evidence of Mohela 's claim anywhere. Regulations clearly show that you can change your payment due date without triggering a payment increase or change in IDR plan. 

My best guess is that they applied for PAYE with new income info, when I was already on PAYE. I absolutely did not authorize this change in any way. Their phone recordings will clearly show this. I made a very specific request to change my due date. That is it. Now, I am stuck with a higher payment amount through no fault of my own. To make matters worse, the new higher payment starts XX/XX/XXXX, but the payment increase reflected on my account immediately.
Product: Student loan

I am having trouble finding a job due to a school that no longer exists. XXXX XXXX has been closed for its high interest rate loans and poor academic practices and it is affecting me in my job search. Navient doesnt seem to care that the loan should be flexible due to the lack of school representation that they loaned money for with high interest rates. They are requesting a high monthly amount that is not simple to pay back in the first place. My loan should be discarded because of my schools non existence.
Product: Credit reporting or other personal consumer reports

I payed on time and this Account Needs To Be adjusted to Payed On Time. This Account is inaccurate please reinvestage this and get the proper results and Make The account In good Standing.

15 USC 1666b- 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 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
Product: Credit card or prepaid card

Our company purchased Thousands of dollars worth of Amex prepaid gift cards ( physical, not " e '' cards ) in XXXX of 2021 from Amex online. Many of the cards were not distributed to our employees until recently. When the cards were taken out of their envelopes ( sealed by Amex ) the balances were depleted ; for example a {$2000.00} card had a {$28.00} balance left. 

Hours have been spent on the phone with the AMERICAN express call center in XXXX ; where they read you scripted responses repeatedly but basically just say that " Amex is not responsible. They told us to contact the vendors and dispute the charges ''. They are only able to supply some vendor information one $ XXXX charge was for an electric vehicle charging station in California another charge for $ XXXX lists a vendor as " XXXX XXXX XXXX XXXX XXXX XXXX '' ( no state ), it is impossible to contact vendors without contact information. 

Amex sold the cards and they are either compromised at their manufacturing plant or electronically through their processing system. These cards were in unopened envelopes yet they take no responsibility. I found a website online " https : XXXX '' that has 706 similar complaints. When you purchase a gift card and do not even open the package the full balance should be there.
Product: Checking or savings account

I had a acct. And it was closed, so I am trying to see where my money went. It is a XXXX acct. I have contacted and asked for my records and to no avail.. my deposit from my 2023 taxes were deposited into it.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX did not report my accounts as included in bankruptcy filing on XXXX XXXX so I had to file a dispute with Equifax that those accounts were included in Bankruptcy and NO BALANCE is due. ( Please review the attached document that XXXX XXXX received from the Bankruptcy court. ) After my dispute with Equifax, XXXX XXXX then sent FALSE non accurate information to Equifax that stated the accounts were charged off and balance due of {$13000.00} for credit card and {$6900.00} due for the other account. XXXX XXXX also changed the account numbers to XXXX for credit card and XXXX for another account and reported that my year of birth was XXXX. These accounts do not belong to me and my year of birth is XXXX. 
I filed a complaint with the CFPB ( see attached complaint ) for the inaccurate information in my Equifax credit file and explained that my year of birth is XXXX and that I have NEVER had XXXX XXXX accounts ending in XXXX nor XXXX. Equifax contacted XXXX XXXX and then sent me a letter stating that XXXX XXXX verified the information as accurate. ( See attached response from Equifax dispute ) Obliviously, this is a FCRA violation for XXXX XXXX to report to Equifax accounts ending in XXXX and XXXX that do not belong to me and to report my year of birth of XXXX when in fact my year of birth is XXXX. It is also a violation of the automatic stay in Bankruptcy to report a balance due on accounts that were included in Bankruptcy. 
These errors and lack of proper investigation of a dispute have caused several problems. XXXX XXXX did an inquiry on my Equifax credit file on XX/XX/XXXX and then restricted my account due to my birth year not being accurate as they think that someone else other than myself applied for credit due to my application having my year of birth of XXXX and my Equifax file has my year of birth of XXXX. This whole mess is due to XXXX XXXX reporting inaccurate information to Equifax. If XXXX XXXX does not correct the erroneous information that they supplied to Equifax then I will have my attorney file suit against XXXX XXXX and Equifax for violations of the FCRA and automatic stay in Bankruptcy.
Product: Money transfer, virtual currency, or money service

I was notified of a refund from a medical clinic/institution and upon checking the details, it was brought to my attention that it was refunded to a debit card that was tied to a checking account that I had closed the year prior. I called the banking institution that the debit card was tied to and was reassured that if the account was closed, the refund would have been refused on my behalf and I was instructed to connect with the issuer of the refund. I reached out to the medical clinic and was put in touch with the finance department who informed me that the three refunds I was inquiring about, one that was refunded XX/XX/XXXX for {$210.00}, another on XX/XX/XXXX for {$220.00} and the third refunded on XX/XX/XXXX for {$130.00}, were showing in their system as accepted by the bank the refunds were sent to. The finance department provided me with screenshots of the what their system showed and I was able to confirm the account that the refunds were sent to was tied to my previous debit card along with the IDs of the transactions. With the IDs of the transactions, I called my previous banking institution again and provided the IDs for them to verify. I was told again that they had no record of those refunds on my account and was reassured that if my account was closed they would have rejected the deposits on my behalf. I reached out to the finance department again of the medical clinic and was told that since their system was showing it as accepted by the recipient of the refund there wasn't any thing further they could do for me. My previous banking institution continues to deny that the deposits were received and accepted. So, there is a total sum of {$570.00} that is unaccounted for that I have still yet to receive.
Product: Credit reporting, credit repair services, or other personal consumer reports

The name XXXX XXXX XXXX should not be on my credit report. I have never used that name. I want it removed from my credit history. 

Also, XXXX XXXX is appearing on my credit report and this creditor abandoned the account in XX/XX/XXXX they stopped collecting payments from my bank account. Previously I had made payments monthly fromXX/XX/XXXXto XX/XX/XXXX The balance history is also wrong. 

XXXX XXXX and XXXX XXXX credit card services forgave my debt and issued me a 1099 for XX/XX/XXXX of the amounts forgiven. They need to remove the debt from my credit report T.

Finally, my credit score dropped 21 points in one day even though I reduced my debt credit usage from 93 % to 77 % and have paid off a loan recently. I want my credit score restored. 

Also, the fraud charges of an XXXX credit card that I never received and never used are still showing up on my credit report. XXXX credit cards are operated by bank in Maryland called XXXX XXXX. This needs to be removed as well and my {$300.00} deposit refunded to me immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit reporting companies have unlawfully removed one of my furnished revolving credit accounts or have not furnished the revolving credit account on my report more than 30 days after having confirmed receiving the account information from the creditor XXXX Account # XXXX. This account has been removed from XXXX and XXXX and Experian have not added this revolving account to my report as required by law. They have also violated my rights by doing this under 15. U.S.C 1681 e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Product: Credit reporting or other personal consumer reports

I viewed a copy of my consumer report and noticed unauthorized accounts and unauthorized inquiries I didn't authorize. MY SOCIAL SECURITY HAS BEEN COMPROMISED. I FILED A IDENTITY THEFT REPORT # DELETE UNAUTHORIZE AND FRAUDULENT ACCOUNTS AS MY CREDIT IS VITAL TO MY LIVELIHOOD- THIS IS MAKING ME VERY SICK AND STRESS.I HAVE TO TAKE MEDICINE. ALL OF THESE ARE UNAUTHORIZE SEE ATTACHED OTHER ACCOUNTS XXXX XXXX Account number XXXX XXXXXXXX XXXX XXXX Account number XXXXXXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX Account number XXXXXXXX XXXX XXXX XXXXAccount info Account number XXXX XXXXXXXX XXXX XXXX Account number XXXXXXXX XXXX XXXX Account number XXXX XXXX Inquiry date XX/XX/year> XXXX Inquiry date XXXX XXXX, XXXX XXXXXXXX Inquiry date XX/XX/year> XXXX XXXX  Inquiry date XX/XX/year> XXXX XXXX Inquiry date XX/XX/year> XXXX XXXX Inquiry date XXXXXXXX XXXX XXXX XXXXXXXX Inquiry date XX/XX/year> XXXX Inquiry date XXXX XXXXXXXX XXXX XXXX XXXX Inquiry date XX/XX/year> XXXX XXXX Inquiry date XXXX XXXXXXXX XXXX XXXXXXXX XXXX Inquiry date XX/XX/year> XXXX XXXX  Inquiry date XX/XX/year> XXXXXXXX XXXX Inquiry date XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry date XXXX XXXX XXXX XXXXXXXX XXXX Inquiry date XXXX XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

Should credit transactions be on my consumer credit report? 

Should XXXX be reporting my personal information from third parties without my consent?
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXXXXXX Balance : {$650.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$48000.00} XXXX XXXX Balance : {$7600.00} XXXX XXXX XXXX XXXX Balance : {$9900.00} XXXX XXXX XXXX Balance : {$2900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the Equifax Credit Bureau to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX XXXX Balance : {$11000.00}
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. Please see attached file for these items I am complaining.
Product: Mortgage

I have a line of credit since XXXX  and the balance has not been going down at all. I know that at XXXX time I had trouble paying do to personal difficulties and they said that the only way to help me was to refinance the line of credit. I been paying over XXXX  years and still dont see my balance go down. I would like someone to check in to into to see what I am doing wrong by paying the whole time on this loan, it only made me be in debt longer. I have never stopped paying them or being late.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$7300.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$5100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$330.00} The following list below are Hard hits that negatively impacts 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Payday loan, title loan, or personal loan

I received a notice from XXXX pursuant to Wisconsin Law for notification addressed to " Spouse of _______ '' of a payday loan with an annual predatory percentage rate of 243.33 % with a total payment of {$540.00} that my estranged husband obtained apparently last month without my permission or knowledge. I have filed for divorce this past summer and a temporary order is filed in the courts awaiting finalization soon. I have been unable to get a hold of a customer service agent for XXXX to let them know of this situation. I am a Michigan resident now and my estranged spouse obtained this loan in Wisconsin.
Product: Prepaid card

I was given an American Express gift card at my retirement luncheon. The gift card was inside a greeting card envelope and somehow, I believe it fell out of the envelope as we were leaving the restaurant. I called the restaurant and they reported an unsuccessful search of the dining area and outside on the street. I also called the local police in case someone found the card. I immediately called American Express ( Classic Card ) services and they told me to get a copy of the receipt. I got a copy of the receipt and faxed it to the number they gave me. They took about a week, and I received a " reference number '' along with a response : " Based upon the information you provided, we are unable to locate a valid Gift Card number ''. I called American Express again and was told to contact the seller ( XXXX ), and they provided me with the last XXXX digits of the card ( which was already available on the receipt ). American Express provided additional steps that I should take : Contact XXXX and request a " PROXY # or SERIAL # '' from the XXXX store journal. I made another call to XXXX and was told that I would have to talk store security. Security was very nice, but denied me the information unless I went to my local Police Department and had someone make " official '' contact. My local Police Officer was very nice and tried to cooperate with XXXX, but ended up with NO additional information, only the last XXXX digits again. Another call to American Express and the shared their regrets and said I was at the end of the search ... they could not help me further.
Product: Credit reporting

I am a paying customer for Equifax to their Product to actively monitor my credit report. I was recently trying to refinance in mortgage and cleaning my credit to proceed for refinance. 
On XX/XX/2017 I was able to pull up my credit report, My car leasing account just closed and my credit Fico score when from XXXX to XXXX that day. I pulled up my Equifax Credit report on XX/XX/2017 ... this time ... I had no credit report. All of my creditor and balances showed Zero on everything. I complainted to Equifax rep. who change to membership from Premuim membership of {$19.00} monthly to this other product for XXXX per month. I tried to pull up my Equifax credit report ... still the same ... .no Credit Report history ... like i was erased from the system. I called back to Equifax to file a dispute and was told it would take 30 days to fix the problem. They did acknowledged my credit file was uploaded to a bad file ... or was deleted. I told them ... what if I needed to apply for credit? or refinance my mortgage ... I am on hold because they messed up with my credit report file. She apologized and said there was nothing they can do ... .it will take 30 days to fix their mistake. I am so angry with Equifax ... ... I again pulled up to see if anything had taken placed to fix my missing credit report. Still today XX/XX/2017 ... nothing. I have no Credit report on file with Equifax. I am documentating everything in case I contact a lawyer to file a lawsuit. I think this is so unfar ... that a Credit Agency can hold your Credit Report against you ... removing from their database or deleting it. I still do n't know what happened ... and still in Limbo with Equifax.