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

I called XX/XX/XXXX, and XX/XX/XXXX after being unable to link an external account to transfer money out of capital one account ( even though my external account already appears to be linked and I have paid my capital one credit card with it ). They told me I needed to add external account seperately for checking account which I tried to do but it still says " oops we've hit a snag '' and won't allow me to. I've been trying to transfer money for a week and capital one will not allow it. I will be closing my account with capital one as I'm very unimpressed with their banking services but may need help in getting my money out.
Product: Credit reporting or other personal consumer reports

there are different last date of activity showing XXXX different dates.. asked then to remove immediately. 
How is this account accurate when the date of last activity shows XXXX different dates. violation and to remove immediately Asked for method of verification, how is it accurate when it shows 3 different last date of activity, what was the method of verification? remove immediately. 
asked for proof of validation, method of validation, send me the proof of validation or remove this account for failure to CONDUCT a proper Investigation. 
Late payments after charge off., prof of validation. violation.Because there are late payments after the closed date was reported this unverified and inaccurate account. is a Violation, please remove it Immediately They continue to report late payments after charge-off, late payments after charge off, you are in violation by continuing to report this unverified and inaccurate account. Violation, remove immediately.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX and XX/XX/XXXX, there were two fraudulent transactions made in my account. One of {$150.00} and one of {$900.00} to make a total of {$1000.00}. 

On XX/XX/XXXX I filed a dispute about the charges with Chime since I used Chimes pay anyone feature and the money was sent to another person with a Chime account. Chime mentioned that they were going to give a temporary credit within 10 days and then take 45 days to investigate to see if I get to keep the money or not. But my dispute was denied the next day. 

Chime also refused to attempt to do a chargeback to my account when I asked them to on XX/XX/XXXX. They said that I needed the account number and SSN to do a chargeback. They also refused to reopen my investigation and I have not received my funds. The customer service was very unhelpful, and hard to understand. I was also hung up on after they said they were unable to help me and it was very unprofessional. I have not received the XXXX dollars, and the customer service was hard to understand. They clearly do not honor the consumer protections that they say including the Zero Liability policy. 

On XX/XX/XXXX I sent an email to XXXXXXXX XXXX, and they received my complaint about Chime, and I believe that they are looking into it. I have also sent an email to XXXXXXXX XXXX which is also connected to Chime to give them the info of my complaint as well to see if they will look into it as well.
Product: Debt collection

Calling multiple family members and leaving threatening voice-mail related to a very old HSBC account that was charged off over 10 years ago!!! 

Threatening to go to my employer. 

Repeated harassing phone calls. 

Asking for my SS # and Date of Birth # XXXX Case # XXXX
Product: Student loan

Since XX/XX/year>, I have been attempting to secure a military deferment for my federal student loans serviced by EdFinancial, in compliance with federal protections granted to active-duty military members. I am currently deployed in the XXXX Area of Responsibility ( AOR ) with the Michigan National Guard, actively supporting combat operations aimed at defeating ISIS and deterring XXXX. Despite numerous deferment approval notices from EdFinancial ( dated XX/XX/year>, and XX/XX/year> ), they have repeatedly violated federal laws by continuing to issue billing statements, demands for payment, and have refused to acknowledge my deferment status. 

I initially submitted my deferment request in XX/XX/year>, along with all necessary supporting documents, including my military orders. On multiple occasions between XXXX and XX/XX/year>, EdFinancial acknowledged receipt of these documents and issued deferment approvals for different periods, indicating that my loans were placed in Military Deferment or Military Grace status. Despite this, EdFinancial continued to send billing statements, including demands for a payment of {$370.00} due on XX/XX/year>, which clearly contradicts the deferment status I had been granted. 

Between XX/XX/year>, and XX/XX/year>, I engaged in multiple email exchanges with EdFinancial, attempting to resolve this issue. During these exchanges, I re-submitted deferment documentation, received confirmation of document receipt, yet faced repeated responses that they were unable to access the information. On XX/XX/year>, I sent an urgent email to EdFinancial, citing potential violations of the Servicemembers Civil Relief Act ( SCRA ) and the Higher Education Relief Opportunities for Students ( HEROES ) Act. On XX/XX/year>, EdFinancial responded, acknowledging that my account was under review but failed to provide a resolution. 

Throughout this process, EdFinancial has exhibited a blatant disregard for the protections granted to service members under federal law, specifically the SCRA, HEROES Act, and 34 CFR 682.210. Their actions have caused immense emotional and financial stress while I am deployed in a combat zone, attempting to fulfill my duties. Despite providing all necessary documentation and receiving official deferment approvals, EdFinancial 's non-compliance continues to impact my financial stability and focus during this critical period of military service.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I discovered unauthorized inquiries that need to be investigated and removed. The companies and corresponding dates are as follows : - XXXX XXXX XXXX  : XX/XX/year>, XX/XX/year>, XX/XX/year> - XXXX XXXX  : XX/XX/year>, XX/XX/year> - XXXX  : XX/XX/year> - XXXX XXXX  : XX/XX/year> - XXXX XXXX : XX/XX/year> - XXXX XXXX via Dealer : XX/XX/year>
Product: Credit reporting or other personal consumer reports

XXXX PROS XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX BANK XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have my credit reports frozen. I have been trying to get onto the Equifax site for months now to no avail. Each time I try logging on I get an error message stating We are temporarily unable to complete this request, please try again later. This has been going on since last year. Please advise.
Product: Mortgage

I closed the loan in XXXX and mailed a check that was converted to an ACH payment on XXXX and taken out of my checking account. The coupon that came with the loan paper work was mailed with the check. I mailed a 2Nd check with the coupon and it was converted to an ACH PAYMENT that was taken out on XX/XX/XXXX. The 3rd check was converted to an ACH and taken out of my account on XX/XX/XXXX. The loan finally showed up on their web site and I was able to monitor it. I made at least 8 calls to SLS trying to get this taken care of and to get them to find my {$3600.00}. And was promised 2 phone calls from supervisors and have not received 1 call as of yet! Today I received via mail a check for {$2400.00} stating SLS doesnt service this loan. Please help me get this straight. Im not making a 4th payment ( XXXX payment ) until this is resolved. I still have {$1200.00} missing!
Product: Bank account or service

I tried to apply online for a checking account and it says on the letter that I received that I was on  XXXX  as reported by Ban k of America. I do n't own that account. I have no account on Bank of America..
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 


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

I am submitting a complaint today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent inquiries in my report and found that I need to file an identity theft report through https : //www.ftc.gov and Per FCRA section 605B, XXXX, XXXX and TransUnion Credit Bureaus are required to remove and block any inquiries listed on an id theft report and, ( 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. Please see the ATTACHED documents to assist in the removing of the specified inquiries which are being posted to my credit reports. Here is the list of inquiries which do not belong to me or were opened without my permission : XXXXXXXX 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

They report to my credit account that was late XXXX, through XXXX of XXXX my statements show payments on the XXXX through the XXXX of each month. On time but charged late fees. They said I missed payment 's XXXX through XX/XX/XXXX as well as XXXX and XXXX of XXXX. All payment 's where made on time. I paid on the first XX/XX/XXXX I got a late fee. I paid on XX/XX/XXXX and wasn't charged a late fee. I have my account transaction history included which clearly shows payment 's made on time. 
I wish to have the late fees reimbursed as account credit and remove the negative remarks on my payment 's from the credit companies. As you will see in the documents attached. I have never missed a payment or been late. Sometimes I paid early at the end of the prior month a few times. They didn't acknowledge my payment. I need all the information updated correctly and promptly by XXXX consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never done business with the companies. This Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe.I have already filed a FTC and Police report over these same companies.XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting incorrectly that I am ( 120 ) days late on the XXXX XXXX XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2022 I received a letter from a creditor I have by the name of XXXX XXXX XXXX XXXX XXXX XXXX  ). The letter stated my account ending in XXXX have been reviewed and I was denied a credit increase due to their decision based upon my TransUnion credit report. I immediately called XXXX XXXX  at XXXX the next day XX/XX/2022 at XXXX am est with customer service rep named XXXX. I then told her I didn't request a review of my account, who did, why did they pull my credit without my authorization which is illegal and because off their review they also decreased my credit limit and I asked why would they do that as well with me being unaware of any of this. XXXX stated they do reviews once every twelve months. I told her that was illegal then XXXX stated it was in the terms and conditions of my cc contract. I told I have never heard of that and it is not anywhere in my contract. This unauthorized inquiry has affected my credit score and is against the law per CFPB
Product: Student loan

I obtained a Loan to go to XXXX XXXX XXXX Mo, for XXXX XXXX in late XXXX. It was approx. {$10000.00}. I had a federal student loan. Later in in XX/XX/XXXX I went to XXXX XXXX College in XXXX Missouri for XXXX, obtaining my XXXX. I have placed loan on deferment from XXXX to do this. Navient bought out my loan from XXXX. I still after almost 30 years of paying loans have a balance of $ XXXX amount of dollars. I feel Navient is misusing my payments!!!! This should have been paid off along time ago. The young lady today told they take the payment and apply to interest first. I can not afford a large $ XXXX  monthly payment, I am a single mom and sole provider for my house. 
I know there are lawsuits out there due to Navient misuse of funds. Please help,,,,, how is it you can buy a car for {$30000.00} and pay off in 5-6 years but a student loan can not be paid off in 30!!!!!  PLEASE HELP
Product: Credit card or prepaid card

I have been a customer in good standing with first national bank of Omaha for over 10 years and as of XX/XX/2018, they decreased my credit limit by over {$9000.00} with no viable explanations. This has increased my average balance vs available credit to 53 % and has dropped my score significantly. They cant explain why they have done this but they will not offer a solution. I am a single woman and I am just trying to make ends meet and creditors like this make it hard. I have paid this company on time every month for the past 10 years with only one slow pay which was taken care of immediately.
Product: Credit reporting or other personal consumer reports

I never received debt validation for this false and misleading debt. Under the laws of the FDCPA, I am supposed to receive legal disclosures/notices regarding any debt a collector puts on my credit report. This false debt needs to be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following information listed on my Equifax and XXXX credit report is fraudulent, unauthorized and not my accounts, credit inquiries or payment history : XXXX XXXX XXXX, {$140.00}, XX/XX/2020. Credit Inquiries : XXXX XXXX XXXX, XX/XX/2020, XXXX XXXX/XXXX, XX/XX/2020 and XXXX XXXX XXXX, XX/XX/2020. Payment History : XXXX XXXX XXXX payment history is fraudulent.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I disputed a derogatory item placed on my credit report in error by  XXXX ,  XXXX  and Experian --  XXXX  and   XXXX   fixed the error by removing the item from my credit report -- EXPERIAN DID NOT. Experian refuded to remove the item and said so after their " investigation '' was complete.   XXXX    XXXX   (  a collection company ) is complicit in this. On  XXXX  -2017 I resubmitte d my dispute with EXPERIAN and warned both   XXXX   XXXX   and Experian of pending legal action I intend to take if this situation is not resolved IMMEDIATELY. The derogatory item was for an unpaid dentist bill ( {$900.00} ) which IS PAID and the account ( my husband  XXXX  's ) is IN GOOD STANDING with  XXXX   XXXX  ( merchant ). This item should NEVER have appeared on my credit report in the first place -- and since the item is PAID, this item DOES NOT BELONG IN COLLECTIONS.      XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , CT  XXXX   XXXX  :  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/2022 ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX  ) XXXX Balance : {$180.00} ; XXXX XX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

My mother-in-law passed away in  XXXX  in California. My brother-in-law, also in California, was my mother-in-law 's executor. My brother-in-law passed away the following year. For whatever reason, my brother-in-law 's surviving wife forwarded my mother-in-law 's mail to our address in Maryland after my brother-in-law passed. We got nothing but junk mail in my mother-in-law 's name, and I registered her on the postal deceased list. This slowed the junk mail to a trickle.     Yesterday,  XX/XX/XXXX , we received a BP Credit Card pre-approval in my mother-in-law 's name to our address. My mother-in-law never lived with us and she did not even visit us at this address before she died. The mail says to either return the card to '' BP  XXXX  &  XXXX ,  XXXX   XXXX   XXXX ,  XXXX , FL  XXXX  '' or go online at mybpcreditcard.com/accept. The  mailer  also states that by accepting their offer, I agree that I am providing this information to Synchrony  Bank ( SYNCB )  and to BP  XXXX   XXXX   XXXX   XXXX  and its affiliates.     I do n't want to contact the company in fear that they would then have our phone number and associate her name with our identity.     What can we do to make this stop?
Product: Debt collection

I have sent out letters requesting validation of debt via contract with live signature to which I have received none. I have sent out letters via certified mail so I have proof of them being received.
Product: Debt collection

The complaint I have is with Comenity Bank, over the last three months I have requested validation on multiple occasions for debts that are listed on all three of my credit reports. I have been asking for validation of the debt, as well as evidence bearing my signature that shows I have a contractual obligation to pay Comenity Bank. I have not received any of the information that I have requested, and the negative tradelines are still listed on my credit report from all three credit reporting bureaus. 

Please HELP!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

15 U.S.C 1681 section 602 A. States, I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

XXXX INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX COLLECTION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EMPLOYER : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX TRANSUNION ADDRESSES : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  EMPLOYER : XXXX XXXX XXXX XXXX XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX COLLECTIONS : XXXX XXXXXXXX XXXX XXXX XXXX XXXX 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 card

I found out my american expres card was cancelled and they did not even tell me why. 
I contacted customer service and all they could tell me was my account was cancelled because my recent {$7.00} payment to American Express was returned. It was returned because the bill payment service tried to take it out of a frozen account. I let them know this was an error by my financial institution that froze my account, which affected the bill payment service payments. They said it does not matter. That is rediculous! I have been a customer of American Express for over 20 years, with all payments made on time and an excellent credit rating.
Product: Mortgage

My Mortgage became arrear in XX/XX/XXXXof y sent me an reinstatement notice stating that if you with Ocwen financial, In late XX/XX/XXXXof this year they sent me an letter stating that if you pay this amount by XXXX XXXX 2017 that they woukd reinstate my loan, which I did, Approximately ten days later I receive a letter stating that my XXXX XXXX quick collect would be returned and citing no reason.I called their customer service and they stated that the amount was incorrect and that is why it was being returned, I stated that I had received the letter and even acknowledged it, also I had called before making the XXXX XXXX payment and, by their customer service yes to make the payment, which I did .Later I contacted their Consumer Ombudsman and was promised some resolution and an answer which I never did.Later I was advised once again by their Customer Service agent to file a new Modification which I have and still waiting for a response.Throughout the whole process the customer service agents have been most polite and responsive.PleASE HELP AS i AM A SINGLE FATHER WITH XXXX  CHILDREN WHO ARE XXXX AND NEED YOUR INTERVENTION.They need to approve the new modification so we can keep our home, Thank Yound XXXX Bless! XXXX XXXX XXXX XXXX XXXX XXXX New York XXXX XXXX loan # XXXX
Product: Debt collection

I have told the original company XXXX XXXX XXXX the debt was no longer owed, sent prove was discharged with my bankruptcy four years ago. Now they sold the debt off to general revenue XXXX XXXX and added XXXX XXXX more dollars and they are harassing me, my work and my family.