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

I deposited my payroll check on the mobile app and it gave me XXXX of it and told me the rest would be available Tuesday XXXX and then Tuesday comes and my account is XXXX bucks negative and the bank tells me my employer placed a stop pay on the check after checking with my employer I was told there was no stop pay placed on the check. I called my bank back and they say they don't know why but now they are holding my funds until XX/XX/XXXX when they will resubmit the check for clearing .. they can't tell me why or any other information and now I have to starve, miss my doctors appointments and can't pay my bills
Product: Credit card

i applied and was approved for a capital one secured credit card XX/XX/XXXX. I cancelled this card a few months ago, around XX/XX/XXXX XX/XX/XXXX, They informed me i would receive the {$300.00} back unless there was an outstanding balance. They indicated to me that I would receive a check for aprox. {$85.00}. Because of the outstanding balance. I never received a check so contacted them today XXXX/XXXX/XXXX. Now they are telling me that i was only getting {$150.00}. of the {$300.00} back. My complaint is I was informed that I would receive the {$300.00} back from my security deposit, now they are stating the the other {$150.00} is for other fees, of which I have no idea what they are talking about. I feel they owe me {$150.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with Experian. They did not respond after more than 45 days for a vacation account. I called into Experian and sat on hold for an hour. The rep took my information then said he does see my dispute. He then said Experian did not have to respond and the company said my dispute is not valid. I asked that they send dispute results via USPS. He proceeded to tell me unless I'm sending proof the account remains, I can not dispute again and NO results would be sent to me. At this point I became upset as I know he has to send me results of the investigation for my records. I told him I need results and he simply hung up on me ... without ever filing my new dispute.

I called back and sat on hold for another 45 minutes prior to ending the call. At this time I am drafting a dispute in writing again and sending via USPS. I need a result for this. The account is missing information, has not had in greater than 7 years, and I do not believe it is mine. This account is reporting with so many errors and Experian is the only one reporting it. They won't respond to any of my attempts to dispute this and simply hang up when I call.
Product: Credit reporting, credit repair services, or other personal consumer reports

So, I initially disputed a Chapter  XXXX  Bankruptcy  XXXX / XXXX /   2017  through the CFPB I did received a response today 32 days later so this is not a problem. However, look at the response Equifax sent with regards to my initial complaint. Please reference CFPB Complaint #  XXXX  You guys " Closed the dispute '' on  XXXX / XXXX /   2017  with this reply from Equifax..  ( you s hould clearly see and know I am NOT  XXXX   XXXX  I am  XXXX   XXXX   XXXX   )  But you guys let them keep reporting this information.     Company 's Response Dear  XXXX   XXXX , we received the complaint you submitted through the Consumer Financial Protection Bureau Portal. Equifax has reviewed the complaint and its records. Bankruptcy case  XXXX  has been verified by the data furnisher as correctly reporting with your name, social security number and address. Written confirmation has been sent to you. Please all ow 7-10 busin ess days for delivery. If you have documents that release you from these obligations, please forward them to Equifax Disputes,  XXXX .  XXXX   XXXX   XXXX , GA  XXXX  or y ou may visit us at www.equifax.com. Please note that for future disputes of credit report information, you may visit www.equifax.com.
Product: Credit reporting or other personal consumer reports

i have recently reviewed my Experian, Tran union and Equifax consumer report and see there are unauthorized inquires that i did not benefit they are as listed : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

I open a credit card account with FIFTH THIRD BANK in 2018. The account was charged off for {$260.00} past due and {$120.00} was written off on my XXXX credit profile act # XXXX. But on my XXXX credit profile act # XXXX The account was open in 2018 and date of delinquency was XXXX XXXX and charged off. I set up payment arrangements to pay the debt off and so far I have paid XXXX payments for a total of {$160.00}. I spoke to a FiFTH THIRD BANK representative in the recovery department on XXXXand the agent advised me the balance is still {$260.00}. And that it was charge off and not written off for the amount {$120.00}. She said that account is reporting inaccurate.So I called back on XXXX and spoke to a different agent and this agent advised me that they are charging me interest and fees.I was never told of this amount and they keep giving me different information.I ask for a supervisor to call me and the agent kept saying the supervisor is going to tell me the same thing and u said you dont know what the supervisor going to say.I ask could they wave the interest and fees the agent said no.But I have been a long time customer for many years.I cant get accurate information and I want the account deleted.Also the agent offer me a settlement for {$200.00}. And I said well I already paid {$160.00}. and I would only owe {$40.00} the agent said it doesnt work that way and he cant put a settlement on top of what I have already ready paid. So the {$160.00} I already paid they will keep and if I do the settlement of {$200.00}. Then they will show the account paid .That would be a total of {$360.00}. I would have paid.This is way to much and not a settlement but I feel like I am being misled and paying additional amounts verse what I am supposed to pay according to the XXXX credit agent who I file a dispute regarding this matter.
Product: Credit card

I purchased 2 items from XXXX  XXXX. They refunded 1 item {$350.00} XX/XX/XXXX. And 2nd item they said they were going to issue refund XX/XX/XXXX so I close 1 PayPal case on XX/XX/XXXX it will take 5 days. I reopen PayPal case for 2nd item as refund of {$370.00} never was credited to my PayPal account. XX/XX/XXXX PayPal send me and email said payment was credited but where I don't see it on my PayPal account. And vendor said they can't credited 2nd payment until I cancel charge back dispute? I reopen PayPal 2nd dispute due to no refund issue by vendor.
Product: Credit reporting or other personal consumer reports

I received 1099c 's for my XXXX XXXX, and XXXX car loans and have requested for the account to be updated to Payed Off
Product: Debt collection

( XXXX XXXX XXXX ), SSNXXXX, Date of Birth:XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXXXXXX on XX/XX/2022 under the account number ( XXXX ), and a collections account opened at XXXX XXXX XXXX on XXXX with a balance of $ ( XXXX ) These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting 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 any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that 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 XXXX XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX {$8000.00} ; XXXX XXXXXXXX Balance : {$10000.00} ; XXXX XXXXXXXX Balance : {$10000.00} ; XXXX XXXXXXXX Balance : {$7300.00} ; XXXX XXXX Balance : {$4800.00} ; XXXX XXXX XXXX : {$0.00} ; XXXX XXXX Balance : {$3000.00} ; XXXX XXXX XXXX : {$0.00} ; XXXX XXXX Balance : {$0.00} {$4800.00} ; XXXX XXXX XXXX : {$8000.00} ; XXXX XXXX Balance : {$4900.00} ; XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$6000.00} ; XXXXXXXX XXXX ( Original XXXX : XXXX XXXX XXXX XXXX ) XXXX Balance : {$410.00} ; 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 alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit card

I was denied credit due to " unable to answer with correct security questions '' Neiman Marcus has denied me credit for being UNABLE to verify my identity and has put an inquiry on my XXXX credit report. I am asking that NEIMAN MARCUS follow the proper protocols by verifying that it was indeed me applying for credit or to REMOVE inquiry off my my XXXX credit report since they can not verify that it was me who requested credit. It is against the FAIR CREDIT ACT and I will utilize my rights. Application ID is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of my numerous complaints that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The account I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. This account is unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XX/XX/2021 CAVALRY PORTFOLIO SERVIC Collection were started from XXXX which i disputed and also sent letters that this account was fraudulently opened along with a signed police statement letter that this was also fraud. Company said that this account was verified which they were unable to send proof that i signed anything or proof that anything was sent to me that was purchased. I want this removed as well as the collections company they sold that debt too removed from my credit report asap because i disputed this multiple times and at this time it is credit harassment. 

Credit company has addresses that I have also never lived at on my credit report like 1. XXXX XXXX XXXX XXXX XXXX has wrong name. 
1.XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXXXXXX XXXX XXXX XXXX, has violated my rights. 

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 or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX  DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT.

Account Name : XXXX  XXXX # XXXX DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX  # XXXX DATE OPENED XX/XX/XXXX Account Name : XXXX  XXXX  # XXXX DATE OPENED XX/XX/XXXX
Product: Debt collection

My student loan amount of approximately {$12000.00} was handed over to TrueAccord after falling slightly behind. TrueAccord immediately flooded me with phone calls, texts and emails trying to collect more than double the amount owed at {$28000.00}. I asked for reasoning and received no clear response. This seems unjustified and illegal since I had already made multiple payments totaling over {$1000.00} on the original loan.
Product: Bank account or service

helloI need your help.. 
I had checking account with Scottrade bank. On XXXX 2014, i saw some usual transaction from my account so i called in and filed dispute on those transaction, it was around {$1000.00}. then later on bank send me a letter saying they denied dispute and they took the money from my account. and i found out my sister used it, i gave her card number in case of emergency. so i did n't bother to call bank again and totally forgot about it. till last week, i was checking my credit score since i am applying job, I found i have XXXX collection against me. so i called in and found out this collection was for that dispute i filed last year. so i explained to them this fund is paid, bank took money from my account and release the fund to merchant. I called in the bank and tried to get the statement so i can show the collection agency. Bank put me hold forever and told me they need to do some investigation and need to call me back. i said ok. I got the phone call 2 days later, they said they are really sorry, and they did n't realize they still have those money with them and they will send XXXX XXXX something dollars check to me today. I asked them how come they kept money more than a year and half and never notify me or merchaint about this, and they said there were some confusion. they should 've let me know but they didnt. I moved last year, and i did n't get the collection notices too. Now i need to pay {$1500.00} after all those late fee and interest charges in order to remove the collection from my credit report because they were confused and forgot the notify me that they did n't release the fund to merchant and or me. and accusing me it is my fault originally because i filed dispute. i am so frustrated why it is my fault. they probably kept the money forever if i did n't find out. i do n't understand how can bank make this kind of mistake. its not XXXX cents. it is over XXXX dollars. they need to take the response and take care of this matter. 
Pls help me.
Product: Student loan

Hello, I have been in contact with Ed financial numerous times since XXXX to receive back the money paid towards my student loans during COVID. According to them they have processed the request however, they are unable to provide a timeline or send a confirmation that the request has been filed. Searching online has showed that every other lender has been able to refund in a timely manner however edfinancial is struggling to refund or give updates. When asked for a time frame I am quoted nearly half a year which is long over the threshold of what any other company is offering.
Product: Mortgage

Note that with last complaint submitted earlier today, I forgot to upload the primary document with essential information. It's enclosed herein. 


Today XX/XX/2022 at XXXX PM I got a call from American Financial Network from XXXX and was told that I needed to call them and upon pressing buttons, I got t a live person who promptly hung up on me after saying " ha ha your going to lose your house ''. Upon calling back after hangup at XXXX PM, a worker for American Financial Network said " XXXX XXXX when you lose your house and are on street with wife will she stay with you ha ha ha. '' I have enclosed completely contradictory letters produced by American Financial Network in the attachment section of this complaint. This cements what the audio phone records show and what I have been saying during original complaint and followup. American Financial Network violates all rules and constantly gives me inconsistent, misleading, and contradictory information. There dishonesty and deception is exemplified by their complete lack of transparency and deceptive practices as outlined with the following. American Financial Network asks me to give them information on loans that they had or have with me and when I said that I didn't have anything that they didn't they would be deceptive and not speak to me or work with me honestly and transparently to try and clarify. The loan needs to be dissolved to zero balance because American Financial Network has continually changed requests, terms, and has constantly given me contradictory and misleading information. They have also been predatory and recently had someone from their associate XXXX XXXX XXXX come to my house and demand that I give them {$5000.00} cash in order to keep my house and avoid foreclosure. XXXX XXXX XXXXXXXX and American Financial Network should be stripped of their rights to lend and sell on the secondary market. 


I want the CFPB to publish this description on consumerfinance.gov so that others can learn from my experience. 

The CFPB will take steps to remove my personal information from this description but someone may still be able to identify me. Learn how it works. I consent to publishing this description after the CFPB has taken these steps. 
Inactive modal What would be a fair resolution to this issue? 

At a minimum the mortgage should go into a loan modification, which is an option for borrowers under the covid regulations passed with banking and lending institutions. This should be done immediately as I am working with Federal regulators and the courts to have the mortgage rightfully dissolved to a zero balance in accordance to Federal guidelines. This would be a good start for giving the incentive to American Financial Network and XXXX XXXX  services for avoiding the total loss of their lending rights and rights to sell mortgages on the secondary mortgage market.
Product: Credit reporting, credit repair services, or other personal consumer reports

In late XX/XX/XXXX I had my wife removed as an authorized user from my Navy Federal credit products. Navy Federal is still reporting that account with late payments from XX/XX/XXXX to my wife 's credit. No response has been received from Navy Federal.
Product: Money transfer, virtual currency, or money service

I was at a local XXXX to get gas on XX/XX/2021 at approximately XXXX XXXX central time. I put my CashApp card into the pump and entered my pin. Before I could lift the nozzle to pump the gas, the electricity went out at the store, inside and out. I never got an opportunity to pump gas. I went into the store to speak with the manager on duty. She informed me she could not print a receipt because no transaction took place. She told many bank would refund the money. I reached out to CashApp several times and after approximately six months and several delays they still have not refunded the {$100.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account information below : XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had late payments on some accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the accounts : XXXX OF XXXX XXXX .... Balance : {$3700.00} XXXX XXXX XXXX XXXX .... Balance : {$6900.00} XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

Im writing this letter to inform all credit bureau, XXXX, XXXX, Experian to update the follow account on my credit report known as XXXX XXXX open on XX/XX/year> the balance of XXXX is incorrect, this account is paid in full as agreed and remains in good standing with lender which I have spoken to lender to provide the verification letter stating this account is pay & full as agreed in closed at a XXXX balence, of excellent payment history on my credit report, which they had stated they will provide this letter and update the account but still hasnt provide the letter or updated the account status. please update this account immediately to its correct balance which is XXXX, pay in full as agreed account on my credit report. If not immediately changed is a direct violation of 15 USC 1681 under my FCRA rights, if this inconvenience is not corrected can cause damages to my credit report or call cast judgement on my credit worthiness with future lenders, if information is not update correctly showing its paid in full and good payment history, please correct and update status immediately
Product: Checking or savings account

I am writing to file a complaint against Navy having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Money transfer, virtual currency, or money service

I received services from XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, Ca XXXX, ( XXXX ) XXXX ). They sent me a check for my remaining unused balance of {$320.00}, mailed on XX/XX/. I did not receive this check, when I inquired, they notified me that the check had been cashed fraudulently by other individual. 

I received a 2nd due payment from them by mail/check for {$130.00} on XX/XX/, which I cashed to my bank XXXX. 

The payor bank is Wells Fargo. I do have their routing number ( XXXX ) /account number ( XXXX ) from the second check that I received by mail. They informed me the check number was # XXXX. As far as I know, they have not submitted an investigation and will not tell me the bank who cashed the check ( depository bank ). 

They have instructed me to notify my postmaster, and I have submitted a service request with the United States Postal Inspection Service ( USPIS ) regarding mail theft.