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

My direct deposit usually hits by Thursday morning the day before my usual payday. This week it did not. I searched online and it said there were technical difficulties with a third party vendor. I assumed the issue was just for early deposits, but my direct deposit for my regularly scheduled payroll has yet to hit my account. It is Friday, XX/XX/year> and as of the writing of this complaint it is XXXX XXXX. 

I called and was transfered to a manager who was nice enough and I wasn't blaming him for the issue, but no information could be provided as to who the third party vendor was or what exactly the issue was that was preventing my funds from reaching my account. He also informed me that there was nobody higher up than him that I could speak to and that, despite my request, capital one was not prepared to issue any temporary credit or additional overdraft authorization to cover necessary charges that should have been covered by my check.
Product: Student loan

I have worked full time for XXXX XXXX XXXX XXXX  since XX/XX/XXXX, all of this employment has been qualified by FedLoan for PSLF/TEPSLF. My 14 loans were consolidated in XX/XX/XXXX and are Direct Loans ( Subsidized and Unsubsidized ). My servicer at the time was XXXX XXXX XXXX. In XXXX of XXXX my loans were transfered to XXXX, and in XXXX of XXXX my loans were sent to FedLoan Servicing where they remain. 
Since TEPSLF was introduced in XXXX, those XXXX XXXX XXXX payments have been " pending manual review '' with my FedLoan. I have a letter from XXXX XX/XX/XXXX acknowledging the six payments I made between XXXX and XXXX of XXXX. The {$790.00} I was paying at the time under a graduated repayment plan ( I believe ) are far more than I have ever had to pay to MyFedLoan under IBR. 
In XXXX of XXXX, my qualifying payment counts were updated, but still did not include the XXXX months of payments I made between XX/XX/XXXX and XX/XX/XXXX. I recently submitted a complaint which was closed without any explanation of the results of that complaint, or action taken to correct these errors. 

I have over well over 120 payments that are both employment and payment eligible once these corrections to my record are made.
Product: Credit reporting, credit repair services, or other personal consumer reports

In regards to my loan for the XXXX XXXX XXXX, I had not made any payments as reported as late. 

XX/XX/XXXX, I was in an accident and this vehicle was totaled. Due to the lengthy process of resolving the insurance and GAP claims to resolve the debt of the vehicle. 

A payment was deferred and was to move my vehicle due date out a point that would allow the debt to be taken care of. 

I was to not have another payment due until XX/XX/XXXX, at which point the GAP claim would have paid off any remaining balance. 

After all of the claims were resolved, there was a remaining balance of XXXX on the account. 

on XX/XX/XXXX insurance paid XXXX of the loan on XX/XX/XXXX GAP insurance paid an additional XXXX I spoke with a collection representative of the company on XX/XX/XXXX, and we created a payment arrangement that was to prevent any payments as being reported late. 

The arrangement was that on XX/XX/XXXX XXXX $ would be drafted, and then any remainder would be drafted XXXX ( the following week ) This payment arrangement was set as I had been financially impacted by COVID-19 at my place of work and had already begun losing hours. 

Both of these payments were made as arranged and this account should not have been reported as delinquent. 

I have also attached my account overview page showing the account is paid off, as it is still reporting as not paid in full as well. 

Thanks,
Product: Credit card or prepaid card

1. Scheduled a payment forXX/XX/XXXX for full balance due of {$320.00} to XXXX/Comenity Capital Bank. Payment made through XXXX XXXX online billpayer account. 2. Received notice from XXXXComenity Bank of credit balance $ XXXX. Had not used XXXX credit card since XXXX. 3.XX/XX/XXXX - Recd notice from XXXX of ebill from XXXX/Comenity as follows : {$320.00} past due ; XXXX purchase ; XXXX finance chg ; XXXX late chg ; total bill : {$460.00}. 4. XXXX - Realized payment to XXXX had been posted to XXXX account ( both Comenity ). Notified XXXX of the error. Called Comenity, was told they would correct the postings. 5. XXXX - Returned purchase of {$110.00} to XXXX leaving a true balance of {$6.00} ( return shipping chg ). Received notice of return on XXXX completed and scheduled payment of {$6.00}. 6. XX/XX/XXXX- Checked posted activity on XXXX/Comenity. Acct. showed payment of {$320.00} and " misposted payment '' of {$320.00}. New credit balance for XXXX : $ XXXX. 7. XXXX - Checked posted activity on XXXX/Comenity. Acct. showed " misposted payment '' {$320.00} ; late payment credit - {$25.00} ; finance chg. $ XXXX. Instead of debiting the XXXX acct. and crediting the XXXX acct., they did the reverse ; and they credited {$.00} instead of {$7.00} for the finance charge. 8. Between XX/XX/XXXX andXX/XX/XXXX, I called XXXX/Comenity Customer Care at least five times. Each time the rep assured me it was a simple mistake and would be corrected. 9. XXXX - Called XXXX/Comenity Customer Care and tried again. The rep ( XXXX I.D . # XXXX ) told me the error was a simple misposting, promised to take care of it, and said to allow about a week to show up on my account. He also told me it was such an easy fix, that I should file a personal complaint against him if he did n't correct the error as promised. 10. As of XX/XX/XXXX, there has been no change posted to the account.
Product: Credit reporting or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2022
Product: Debt collection

Dear : Debt Collector I am writing to request a copy of the purchase agreement related to the debt you are attempting to collect from me. 

To better understand the validity of this debt and the terms under which it was incurred, I ask that you provide the following : 1. The Original purchase agreement or contract.

2. Details of the terms and conditions 3. Documentation supporting the accounting history including transaction history Please send the requested information within 30 days. I appreciate your cooperation and look forward to your prompt response. 

Thank you. 

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

I am disputing the charge-off status of XXXX loans with Affirm ( Loan XXXX XXXX and XXXX ). I request a detailed payment history and clarification on whether a XXXX was issued. Reporting the loans as both charged off and canceled may violate FCRA and tax laws. Please update or correct the reporting promptly.
Product: Credit reporting, credit repair services, or other personal consumer reports

My wallet was stolen out of my car awhile back. I immediately reported it to the police once I found out. I believe I could be a victim of identity theft as I had my ID, debit/credit cards, library card, voters ID and a host of other personal items in my wallet and vehicle.
Product: Checking or savings account

Citibank, N. A. closed all of my accounts ( checking, savings, and credit card ) without notifying me. Presumably they closed my accounts because some anti-fraud trigger though they will not tell me the reason. I transferred a lot of funds to these accounts because CITI is offering bonuses to transfer large amounts of money to the accounts within a certain time limit of opening the account. 

I had my Citi XXXX XXXX open on XX/XX/2022 - CITI was offering XXXX Citi XXXX points with {$4000.00} spend, which I earned and these points were available in my account. Now I can not access these points. 

I opened a Citi XXXX XXXX Savings account on XX/XX/2022. CITI was offering a bonus - CITI was offering a {$450.00} cash bonus for funding the account with at least {$50000.00}. I transferred {$68000.00} + to this account, money which I now can not access I opened a Citi checking account on XX/XX/2022 - CITI was offering a {$500.00} bonus for depositing at least {$30000.00} into this account. I transferred {$10000.00} to this account via XXXX from my XXXX account and {$14000.00} from my XXXX XXXX XXXX account ( {$9000.00} & {$5500.00} ACH ) Now I have no access to these funds, no ability to log in to see my prior balances or statements, and no communication from Citibank, N. A. 

They claim that they will mail me a check in 30-60 days but I am unsure of exactly how much money I had in my accounts ( it is at least {$92000.00} from my records, not including interest ). 

I have called their fraud prevention number XXXX several times and spoken to an agent. The agent will not give me any information regarding why my account were closed. Both times I called I requested to speak to a supervisor and was told that a supervisor would call me back later that day. I was never contacted by a supervisor.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on CCB/ZALES. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Product: Debt collection

I am not liable for this debt with XXXX and I do not have a contract with CREDIT COLLECTION SVCS plus they did not provide me with the original application like I asked. 

Account No : XXXX Amount Disputed : {$230.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX  account # XXXX Has violated my rights. 15. U.S.C 1681 section 602 A. States I have 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. 

In accordance with the fair credit reporting acXXXX XXXX XXXX XXXX # XXXX Has violated my rights. 15. U.S.C 1681 section 602 A. States I have 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. 


In accordance with the fair credit reporting act XXXX BANK account # XXXX Has violated my rights. 15. U.S.C 1681 section 602 A. States I have 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. 

In accordance with the fair credit reporting act XXXX XXXX account # XXXX Has violated my rights. 15. U.S.C 1681 section 602 A. States I have 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 In accordance with the fair credit reporting act XXXX XXXX XXXXccount # XXXX Has violated my rights. 15. U.S.C 1681 section 602 A. States I have 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'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 XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a request on 3 different occasions to Experian Credit Bureau to have the debt XXXX XXXX XXXX removed from my credit report. To my understanding, per CFPB complaint File number XXXX there was a settlement where this listed is to be removed from the credit report. I have provided this information on all disputes, however Experian would only mark my dispute as updated. When I requested information as to what was updated, I receive the same reply back, which lets me know they are not following the FCRA. Based on this disregard to my consumer rights, I am requesting for XXXX XXXX XXXX and all accounts related to this to be removed and deleted from my credit profile. This is a clear violation of not only my consumer rights, but also the FCRA.
Product: Checking or savings account

Since the BBVA to PNC action, I no longer have access to my account online.
Product: Bank account or service

I receive my  XXXX  monthly payment at the  U.S. Bank  located at  XXXX   XXXX   XXXX   XXXX   XXXX , CA  XXXX ,  XXXX . Since I had a large number of {$20.00}, I entered the bank and requested they be exchanged for {$100.00} bills. The teller informed me that I had to be an account holder to do that type of a transaction but she would do it this time as a courtsey.???   1 - The  XXXX  account is  US  Department deposit only, meaning that I can not deposit funds into the account. Only do withdrawals and debit purchases, from which this bank gets an income in purchase fees.    2  - This bank should reconsider this policy or their ATM machine disburse funds in larger bills, instead of {$20.00} 's.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX, I received a letter in the mail notifying me I had a debt. I called the collection agency and set up a payment arrangement for my XXXX account. I advised my representative that I do n't need this going to my credit report but I do n't have the money to pay the full amount so I set up XXXX dollars a month. I checked my credit yesterday the XXXX of XXXX and it was reported for the amount of XXXX XXXX.I called the company and asked what happened and she said my payment arrangement ended and that they reported it. I was n't aware the balance went up and nobody tried to contact me to make me aware that the payment arrangement had ended. This is completely unfair and unprofessional. Me as a consumer, called and set up an arrangement to resolve my debt. They did not handle this right.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

SEC 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: Consumer Loan

I got a loan from Rise to pay off some debts that I had, after my bank denied me because of my credit score. Rise had been sending me fliers, letters, brochures all of which I would toss in the trash, after my bank denied me I thought about Rise and went to their web site after looking over their site and reading the information I decided to use a graph they had on the site that would help you estimate the amount you would have to pay based on the amount of the loan ( {$4500.00} ) and the pay off time ( 18 months ) my payment is {$530.00} a month so I thought to myself " thats a little steep '' but as i stated before my credit is awful. I am a retiree from XXXX XXXX XXXX XXXX XXXX XXXX after 30 years and that is my only source of income, my retirement.I completed the on-line application after I calculated my monthly expenses and seen that I could make the $ 533 monthly payments for 18 months with little sacrifice and have my debts i got the loan for consolidated. They approved the loan and deposited it into my bank account 2 days later.Here is the rub, I can not pay the loan back. I went to the web site to see if everything was in order, I used my sign-in information to log into my account and seen that the debit date from my bank account was accurate as well as the {$530.00} amount to be debited but I noticed that the balance had increased from {$4500.00} to {$4600.00} and something close to {$4700.00} then it dawned on me what I was dealing with " a predatory lender '' my interest is so high until making the $ 533 monthly payments will not even lower the principal ( {$4500.00} ) instead it will keep rising, unless you can come up with the entire balance and pay it off its designed ( with the high interest ) so that not only can you not pay it off but that it will continue to rise and THIS IS LEGAL? IN THIS COUNTRY? I have had loans and payday loans and paid then but nothing like this. I do want to pay the {$4500.00} plus interest but its fixed so I ca n't pay it back. This was why I got the loan in the first place to consolidate some debts and after using the graph on their site figured out I could repay the debt comfortably at {$530.00} for 18 months is there anything i could do? Again I do want to repay the loan and interest ... ..BUT I CA N'T. They can debit my account for the next 5 years and still not touch the principal and I 'm sure they would have received the loan 3 or 4 times over and i would still owe about ( a rough guestamate ) {$15000.00} WOW and this is legal? I do not have any document for the loan every time I try to sign-in on their web site I ca n't
Product: Credit card or prepaid card

I got a Target credit card around 5 years ago. About 3 years ago I got a letter in the mail with a target master card. In the letter I was informed that my target credit card was closed and that they opened a master card for me. I did not and no not want the master card. Target make two hits on my credit, one for closing the credit card and one for opening the master card. I did not consent to closing the target card or opening the master card and I was not informed until after it had been done. This took a massive hit on my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was notified of a fraud alert on my account. I did not contact Experian or any other agency that I needed a fraud alert. When I called XXXX XXXX and XXXX  to remove the fraud alert they both said, the fraud alert came from Experian. I called Experian to find out why there was a fraud alert put on my account and who authorized it. They would not give me an answer. They just said, there was a voice mail. But they refuse to tell me who the voice mail came in from. They refuse to tell me what was said. They refuse to tell me why they didn't confirm who it was that called them ... it could have been anyone. This makes no sense b/c when anyone calls Experian for any reason, you must answer a bunch of questions before they will give you any information ... yet, they just took some stranger 's voice mail to put a fraud alert on my account. This is fraud on their practices and procedure. They refuse to look into this situation. I have called multiple times. They will not return phone calls with any information. This is unacceptable to me. They refuse to check themselves and their policy, practice, and procedure ... or acknowledge any wrongdoing on their part. I want answers or an apology and a promise that my account will not be compromised again.
Product: Student loan

In late XX/XX/2022 I notified Mohela that I am opting to receive payments made during XXXX refunded to me. Mohela stated that it would take up to 30-days to receive the funds back. It has now been more than 65 days and I still have not received my refund. Furthermore, I have made multiple attempts to contact them by phone, email and their website messaging system. Three times I was on hold for XXXX hours and XXXX minutes after which the music stops and I was either disconnected or continued to wait without any indications I was still connected. This is abominable customer service and I see no reason why I should continue to endure financial hardship as a direct result of Mohela not refunding my money.
Product: Prepaid card

I gave a NetSpend Debit XXXX card to my XXXX year old daughter as a gift. The amount I purchased was {$120.00} There was an additional fee of XXXX, so the total paid by me was {$120.00}. 

When my daughter called to activate the card the service representative requested her social security number and her drivers license number. She gave the service representative this information and only to be told that they could not verify her identity and the card could not be activated. 

Calls to NetSpend 's customer help line XXXX does not provide access to any customer service rep. The caller is cut off after a few minutes even after providing requested personal information. 

An email to NetSpends Customer service address has gone unanswered.
Product: Credit reporting or other personal consumer reports

I received a notification on my XXXX XXXX  today regarding a new account being added to my credit report. I did not open this account or gave anyone any authorization to open one.

please remove this fraudulent account from my credit report as it does not belong to me. 

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

I have an item on my credit reports from a company called XXXX XXXX XXXX. 
It is a collections account on behalf of the City of XXXX Fire Department. 
It is a medical bill for ambulance treatment and transport to the hospital for a medical emergency on XX/XX/XXXX. 
The account is on my report as being opened on XX/XX/XXXX. 
All 3 CRA 's agreed to a settlement with the CFPB and the NYAG which implemented a system wherein medical debt that was reported to the CRA 's with a delinquent date less than 180 days from the date of the report would be excluded from a consumer 's credit file. 

( It should be noted that I never received a copy of the original bill in the mail even though the paramedic and hospital that took my information was provided with my PO BOX . ) First, there was no due date on the bill received from the City of  XXXX, so to my knowledge there is no date of initial delinquency. 

Second, assuming that the City of  XXXX considers the date of service to be the initial date of delinquency, then the first date that this item could have been reported to the CRA 's would have been XX/XX/XXXX. ( It is safe to assume that the date of service is NOT the same as the date of the first delinquency. ) This item should be removed from my credit files at all three CRA 's because it is for medical debt which was sent to collections and reported to my credit file less than 180 days from the date of first delinquency and because there could have BEEN no delinquency considering the initial bill has no due date for payment or even a request to pay immediately. 

I have included both a copy of the current CDIA guidelines which show at the bottom of page 2 the  current standard by which medical debt should be excluded : The CRAs will no longer include medical debts identified and furnished by collection agencies when the date of the first delinquency is less than 180 days before the day the account was reported to the CRAs. 


I have also included a copy of the bill that I finally received after disputing the account with XXXX XXXX.