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

on Thursday XX/XX/19 I submitted my pay check for {$520.00} to my bank, they put a hold on it on Friday XX/XX/19. The deposit is still on hold and I have bills to pay. When I contacted my bank to ask about the hold the basically told me to wait it out and that it will expire on XX/XX/19
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX has me at a XXXX XXXX over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my XXXX say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for XXXX days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are XXXX  consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been XXXXdays XXXX they record the calls XXXX admitted they had my police report XXXX XXXX and XXXX  That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX XXXX cant provide to my XXXX year old XXXX PLEASE HELP ME PLEASE
Product: Credit reporting

There is an address on my credit report that was reported on XX/XX/XXXX. I have lived at my residence since XX/XX/XXXX and still to this date. I can prove. If you can please check or remove this address it is not my residence. Thank you in advance.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair credit report act XXXX XXXX XXXX account number XXXX 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

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

Transunion is reporting 4 student loans reporting from XX/XX/17 on my report as in Bankruptcy. This information incorrect, the account should show XXXX balance paid in full. 

I've contacted XXXX who informed me that the information they reported in a XXXX balance and paid in full. Transunion is reporting false information. This information is being reported and adverse information on my credit report.
Product: Credit reporting or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX # XXXX, has violated my rights. 

Account # XXXX. XXXX accounts as the same beginning numbers. 
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

This is my 17th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX  XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$5600.00} XXXX XXXX  XXXX XXXX Balance : {$2900.00} XXXX XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$5500.00} XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, my name is XXXX XXXX and I am writing to have the following information deleted from my credit file.. I requested a copy of my credit report and noticed multiple fraudulent items on my report. The items I need deleted are ( XXXX XXXX XXXX  ) and XXXX. I am a victim of identity theft and did not make the charge.I have never had an open account with either of the companies listed and it's illegal to have fraudulent information reported to my credit report. I need these items to be deleted immediately. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies from the Federal Trade Commissions Identity Theft affidavit. The items are listed below with the account numbers. I have contacted all three bureaus multiple times by phone, mail and by filing numerous complaints. Please remove the following items from my file. 

Account name : XXXX XXXX Account number XXXX Account date reported : XXXX XXXX Balance : {$0.00} Account name : XXXX XXXX XXXX  Account number XXXX Account date reported : XXXX XXXX Balance : {$1200.00}
Product: Student loan

I was in the process of applying for a forbearance with American Education Services ( AES ). During the application process, my loans went into default before my forbearance went through. Immediately after my loans went into forbearance, I requested that AES repurchase my loans ( within the 30 day grace period ). AES made no attempt to repurchase my loans. Instead, they asked that I fill out another forbearance request, which they then denied since they no longer serviced my loans. I believe that AES made no effort to assist with my financial hardship and instead allowed these loans to go into default without notifying me of my options.
Product: Vehicle loan or lease

I was involved in a car accident on XXXX. My car was a total loss. I contacted Capital One Auto right away. The balance remaining at date of loss was {$16000.00}. The Insurance Company sent a payment of {$11000.00} on XXXX, the value of the vehicle .Capital One held the payment until XXXX. I called everyday, and was told there was no payment. The Gap Insurance sent a payment of {$4300.00} on XXXX. Capital One did not process that payment until XXXX. Now, I am told I have a balance. I do not wish to pay the balance. Capital One, held the payments to charge me additional interest and fees .. Capital One states balance of {$260.00}. PLEASE HELP.
Product: Debt collection

State collections have been notified several times of my bankruptcy and still attempt to collect. Provided false information on prior cfpb complaint. I did not file a ch XXXX i filed a ch XXXX on XX/XX/2019
Product: Credit reporting

Last year I pulled my Free Credit Report from Experian on XXXX/XXXX/2014 for my wife and myself. Immediately after pulling XXXX Free Credit Reports I called to cancel the credit monitoring service. 

After canceling this I noticed several months later to my surprise that I had been billed for the service that I canceled. When I called Experian they conveniently has no record of the XXXX calls I placed to cancel the service and refused to refund me for more then the XXXX month basically telling me that it was impossible that I called and that if I had called they would have a record. 

I filed a complaint with the CFPB last year and was able to get some help and Experian reconsidered and refunded my money in full. 

Fast forward to today. I received a XXXX, XXXX, XXXX, and XXXX charge on my MasterCard from Experian. After several months of thinking this was resolved I have new charges exactly 1 year after my initial Free Credit Report was pull. I have new charges billed to me in the amount of XXXX. 

I called today to Experian to have these charges refunded and they told me I would have to dispute them with my credit card and they do n't know how they got on there. 

I would like to charge Experian with conspiring to defraud consumers. There is a systematic convenient failure of their system which favorably increases their revenue. 

I am looking for a refund, but more importantly and complete investigation of their business practices as I can only imagine how many other unsuspecting folks are also victims of this abuse. 

I sincerely hope that the regulator that reads this plea for consumer protection is not pencil whipped, but that a complete investigation is opened to investigate these claims as I believe it has absolute merit. 

XXXX, XXXX XXXX
Product: Checking or savings account

I received this text today : XXXX XXXX  : Your ClTldebit is Temporarily Frozen due to unusual activity. Review recent activity XXXX XXXX XXXXXXXX to unlock or visit your local branch. 

I immediately called my bank using the number from my Citibank app and they said it wasnt them that sent the text and there wasnt anything wrong with my account.
Product: Prepaid card

I purchased AMEX gift card from XXXX in XXXX, Illinois on XX/XX/23 @ XXXX XXXX. I have an electronic card activation receipt from the store. I called the number on the back of the card to activate my gift card. It informed me to wait 40 minutes or so before I could use it. When the time was allowed I proceeded to use XXXX to pay for an advanced purchase. The card was declined. I called XXXX and they said it was being declined by the issuing bank. So, I proceeded to call the number on the back of the card and was told at that time to wait 24 hours. So, I did. My balance at the time was exactly {$240.00}. The next day after my 24-hour, wait period, I attempted to pay for my purchase and it still declined it. So, I immediately contacted the number on the back of the card and as I spoke with a representative it was discovered that the card was compromised. During the same conversation, a dispute claim was filed. I was told I was going to receive an email for me to add any additional information but I never did. I called not once but twice to inquire about the email. I was told that it would take 5 business days to receive an email then during the second call, I was told to check my junk mail which I had. Lastly, was told that it would take 45 days to receive the email. As of today, I received an email denying my dispute. The company is assuming that I made these purchases outside of my city. I know banks deal with a lot of scammers but not everyone is. I feel offended that they just assumed this and were so quickly to dismiss my case. I know the gift card amount is not huge but for the average person struggling in this economy it is. I feel communication was handled poorly and the outcome.
Product: Student loan

I received messages from my loan servicer ( Mohela ) in XXXX about delays and my loans being put on administrative forbearance presumably to process the influx of repayment plan applications at the time. My loans stayed on that administrative forbearance for 180 days I believe. In XXXX I received a billing statement that my loan payment amount was {$420.00}, which was obviously incorrect since that's not what my repayment plan estimate was and I never received any communication about there being an issue with my repayment plan application. I messaged them about this shortly after but never received any communication about when they would get back to me let alone an actual response to my concerns. I then received another billing statement in XXXX that my current due amount was {$460.00} and my past due amount was {$460.00} for a total of {$920.00}. I messaged them again about this and this time actually received a response. The response said that I was 27 days past due on my account, that the past due amount was {$890.00}, and that I owed {$1700.00} before the end of XXXX. They also said that my account was on the level plan which is not the SAVE plan that I applied for and received no communication about there being issues with my application. In fact they confirm that they received my application and that they were working to disclose all applicable loans as soon as possible, that I don't need to take further action, and that my account would be updated to reflect the SAVE plan as soon as possible. I haven't received another billing statement yet but I suspect that I will for another incorrect amount of money. They essentially admit that they haven't done their job and are still just completely fine with charging me an incorrect amount. How many other people are they scaring into thinking that they have to pay XXXX times what their payment should actually be? Why would they not put it back on administrative forbearance if they can't process the application yet? Unless it's just to trick people into paying an exorbitantly high payment and circumvent the repayment plans. Even if my loans do get put on the SAVE plan are they actually going to adjust what I owe and get rid of the {$1700.00} balance I have or are they going to expect me to pay that? That would be XXXX. They're the ones that can't do their job and/or that XXXX up. How is this going to affect my qualifying payments for my PSLF? I'm losing out on those qualifying payments and my eventual debt forgiveness because I can't make {$400.00} payments. It's all just a ridiculous clown show.
Product: Checking or savings account

TO : CHASE XXXX XXXX XXXX  XXXX XXXX XXXX TEXAS, XXXX FROM : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX SUBJECT : UNAUTHORIZED TRANSACTION BY CHASE for {$1000.00} This letter is for Consumer Financial Protection Bureau to please do an investigation on my account ending : XXXX JP Morgan, Chase, where I had been taken from my account without authorization the amount of {$1000.00} on XX/XX/2020 paying a Company that was already paid in full. ( See Attachments ) On XX/XX/2020 : I asked for a Loan with XXXX XXXX XXXX XXXX XXXX XXXX for the amount of {$1000.00} finding out that this company the payments were too high. 

On XX/XX/2020 : I paid the loan off for the amount of {$1000.00} ( See Attachment ).

On XX/XX/2020 : An Error occurred with a REVERSAL action for the amount of {$1000.00} done by Chase giving {$1000.00} back again. ( See Attachment ). I contacted the XXXX XXXX immediately, they told me that the account was paid in full and for the amount of {$1000.00} and once they close the account, they can not receive any more funds or money. 

I will like that Chase return my money, because I already send letters to their main office, SEE ABOVE ADDRESS with no respond. When I go to their bank at XXXX XXXX Florida, they immediately start saying that is not true. When I have proof that this amount was taken from my account. Please return to me a check for the amount of {$1000.00} owe to me. XXXX FDIC XXXX. This is the first time that a Bank take money from me. 


For any questions, please contact me via XXXX mail XXXX Thank you, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX! I sent in letters to the following 3 credit bureau regarding my credit cause I was curious to where did they get the following information regarding a Bankruptcy that was places on the credit. I got a letter for all 3 credit bureau : Experian, XXXX, and XXXX  stating in a mail letter that the information was verified with XXXX XXXX. I reached out to XXXX seeing how was they able to verified a bankruptcy that's on my personal credit. A Rep name XXXX reference no. XXXX on XX/XX/XXXX stated that the information is inaccurate that XXXX never verified any information with any of the credit bureau. I was send a letter from XXXX stating the same information on the phone conversation with the Rep. XXXX. XXXX removed the following information from system.I have a letter that proof my conversation. I later contact the United States Bankruptcy Court of Northern District of IL. to asked if their company reports to the 3 credit bureau about my credit and they stated that they do not verify any information of the source. I was send out a letter on XX/XX/XXXX from Bankruptcy court supporting the conversation.A credit freeze was place on my credit from me in XXXXso can completed a reinvestigation with all 3 Credit Bureau regarding the inaccurate information of the Bankrupyvy reporting on my credit to get the same letter from Experian, XXXX, and XXXX stating that they verified the information again with all three credit bureau Experian, XXXX  and XXXX  reporting false and inaccurate information on my credit report and due that issue they has violated my rights according to the Freedom Foundation, a V Seiu Health NorthWest Training Partnership, a 501 ( c ) ( 3 ) Trade Secret Misappropriation Privacy Act of 1974 Violations 5 USC 552a Violations 31 USC 371 1 ( e ) Violations Public Records Act Violation Commercial Purpose Declaration 42.56.070 ( 8 )
Product: Debt collection

In XXXX I noticed on my credit report that I had a collections from XXXX XXXX loan. I contacted the debt collection person at the time and had to proven that this was not me nor my debt. The sent me a letter stating it was resolved and it was not my debt anymore. Today XXXX/XXXX/XXXX at XXXX I received a phone call from Premier Recovery Group regarding this debt. I told the agent that this debt was not mine and was identity theft. I could even fax over the letter from XXXX. She stated that she was going to put in notes but they were going to freeze my accounts. She refused to accept the fax.
Product: Credit card or prepaid card

Chase acct frequently displays pop up to update income and phone number when I am viewing my account. I responded to the request and the next screen said it was for a card. Worse, the next day, my credit report reflected a new inquiry from them. Worse, I called them, and they responded they couldn't do anything but it would come off my report in about two years. Please, I am XXXX XXXX XXXX and explained to them if there was XXXX XXXX, I could not have seen it as this was a frequent update they asked for. Can you assist me in getting this attended to. Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a vehicle loan through XXXXXXXX XXXX XXXX XXXX that I opened in XX/XX/XXXX. I first became late on payments in XX/XX/XXXX and i voluntarily surrendered the car to them in XX/XX/XXXX. However, American Honda is not reporting the information to XXXX correctly. Honda did send me a payment history and it does show that the loan became late in XX/XX/XXXX. Per FCRA law this item should be removed from my credit report already due to the 7 years requirement from the date of first delienquency. But because Honda keeps advising that it was XX/XX/XXXXor XX/XX/XXXX XXXX will not remove it.
Product: Credit reporting or other personal consumer reports

I RECENTLY REVIEWED A COPY OF MY CREDIT REPORT AND I NOTICED I HAD FRAUDULENT ACCOUNT ON MY REPORT. PLEASE REMOVE THESE ACCOUNTS FROM MY REPORT, THEY ARE HURTING MY ABILITY TO OBTAIN CREDIT
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the 3 credit Bureaus after I purchased a credit report in XXXX. After receiving a copy of my report, I saw this UNVERIFIABLE items on my personal profile, I noticed that there was items on my credit report which are misleading to me. I believe they have failed to authenticate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that the items will remove in my credit file as soon as possible. Here are the list of disputed items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat d payment on a credit card account under an open end consumer credit plan as late for a purpose.
Product: Checking or savings account

HSBC had an account for XXXX. They are refusing to provide them. This is illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filled a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results.
Product: Debt collection

I had a car loan financed with Exeter bank. On XXXX XXXX 2015 the car was totaled. The insurance company and Gap paid the car off. Exeter bank has been reporting that my account is late from XXXX to XXXX. I have been trying to resolve this issue since XXXX. They are reporting the deficiency balance which they can not collect in the state of New York along with interest and XX/XX/XXXX payment which was due at the time the car was totaled however, the insurance check from XXXX paid for XXXX.
Product: Bank account or service

I signed up for a " free trial '' transunion credit monitoring service and I was charged {$19.00}! 
Upon contacting them, I spoke to XXXX who said I could NOT get a refund. She gave me a confirmation number relating to our conversation XXXX. She canceled my membership but refused to issue a refund.