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

Hi have a health savings account with XXXX XXXX XXXX. After I left my job, I received a letter that my account and funds had been transferred to another provider. I called XXXX to have a new debit card sent. They were unable to find my account. After multiple calls, my account was located and a debit card was mailed. I did not receive a new card. I called again in XX/XX/ to request another card be mailed. They said it was mailed and I didn't receive it. I've since called XXXX XXXX XXXX times and I've yet to receive a card. The company has had my money for over a year and I have had no way to access it.
Product: Vehicle loan or lease

I was contacted about providing proof of insurance when I set up the refinancing auto loan in XXXX, XXXX. I provided my proof of insurance as requested when setting up the account, and again on XX/XX/XXXX. I was then charged a CPI ADD fee of {$1100.00} on XX/XX/XXXX for " not providing proof of insurance '' but I wouldn't have been able to set up the loan had I not provided it. 

I then started to notice that I've been getting charged " late fees '' every month, for my autopayment taking too long to process, but I have no means of changing the auto payment date, so on top of my {$180.00} that I pay every month, they started charging me an extra {$29.00} every month starting XX/XX/XXXX. All previous payment before that had not been charged a late fee. 

I've been asking them to email me, as my job schedule is from XXXX to XXXX, and can not pick up their calls, but they would not reach back out to me. 

This year, I've sent them the updated proof of my insurance ( since the year had expired ) on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, to no response. I received an email from them on XX/XX/XXXX asking again for proof of insurance, which I had not seen until I was notified by mail that they have again charged my account with another CPI ADD fee on XX/XX/XXXX and increased my monthly payments. 

As they had not removed the original fee, charged me a second time, and increased my monthly payments to {$240.00} a month for " failure to provide evidence of insurance '' I am reaching out for assistance at this point. I started this refinance loan with {$8600.00} on XX/XX/XXXX, and as of today ( XX/XX/XXXX ) my balance is at {$9500.00}. I've had a full year of payments at this point that have amounted to nothing.
Product: Vehicle loan or lease

I have been paying on my car since last XX/XX/XXXX and my balance has not went down at all. I even put XXXX down. I get out my paperwork and notice the add on charges. There were XXXX paid to the car lot. I dont remember any of this. I am no XXXX I was sat down and rushed through signing a mountain of papers. No one could digest that much information in that amount of time. I am XXXX and raising my granddaughter with no extra help. We desperately needed a car because we live out in a rural area and needed transportation. We lived off my XXXX of XXXX month. That paid rent, groceries utilities XXXX car payment and XXXX insurance. I feel I was exploited and set up for failure. I was told my credit score was a XXXX. I even went to another dealership and was denied the loan there.it was very easy to get the loan thru Credit acceptance. My credit score was not XXXX either. The interest rate as best I can calculate is like XXXX XXXX. They paid that dealership XXXX to sell me that car. I dont remember ever being told about the extended warranty and the XXXX to the dealership has no explanation
Product: Credit reporting or other personal consumer reports

There are several addresses on here multiply times XXXX XXXX XXXX XXXX, Ga XXXX XXXX ) XXXX XXXX ) XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX TN XXXX XXXX ) XXXX XXXX ) XXXX XXXX way XXXX, TN XXXX XXXX ) XXXX XXXX ) XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX ) XXXX XXXX ) XXXX Next name is spelled different XXXX ) XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX Next Phone Number XXXX Belonged to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ga
Product: Student loan

I have released multiple payments from my XXXX XXXX XXXX XXXX balance. The payments have been Pending Institution Action since XXXX. I have called EdFinancial multiple times to inquire about my payments or an ETA of when it will be accepted and applied to my loan balance. I have not received any information other than to not worry. My last call, I was asked to allow 2 weeks to rectify and/or update on the payments and have not received any email correspondence as requested. 
My account is now 3 months delinquent due to this institution not accepting payments in a timely manner.
Product: Credit reporting or other personal consumer reports

i have unauthorized inquiries on my report.i would like to get it remove if you can not provide proof such signature that i authorized these accounts. according to the FCRA any inacurate items on my credit report that isnt 100 % verifiable or accurate must be removed immediately it is not metro to complaint or meet E oscar requirement please remove item immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are fraudulent inquiries on my credit report. Please remove them. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I request that the Federal Student Loans program consider the removal of all loans associated with XXXX XXXX. This institution, which recently lost its accreditation, deceptively claimed to be accredited. It is imperative to acknowledge that this school 's deceptive practices should not burden students with loan obligations. I kindly urge you to remove all loans incurred from XXXX to XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Student loan

To my understanding, the COVID-19 0 % interest applied to all loans held by Dept of Ed . XXXX has charged me interest on the payments I received refunds for. The full original balance is XXXX. I was refunded {$3500.00}. The account is showing interest owed for the refunded amounts for a total of XXXX. This is abusive action taken by my loan servicer. 

All of these loan servicers need to be corrected and held accountable. They are quite literally breaking the law, which mandated 0 % interest between XX/XX/XXXX to XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX Balance Owed : {$15.00} XXXX  XXXX XXXX Balance Owed : {$210.00}
Product: Credit card or prepaid card

Are used to really enjoy using my Apple card because of how convenient it was however Ive come to the realization that my Apple Card and Goldman Sachs does not give a XXXX about me at all. Because every single time there is some kind of fraudulent transaction or if I have issue with a purchase made Goldman Sachs and Apple are no help whatsoever, they never rectify the issue and always leave me responsible for the charge even though it is either fraudulent or I never received the item. No other credit card company does that to me except for the Apple Card.
Product: Credit card

The following is a copy of the letter of complaint I sent. Several follow-up calls and escalations rendered no solution. They claim they have no evidence of my having applied for the interest-free card offer ( for a term ), and therefore wo n't correct their mistake of sending me a card with interest. 

XXXX XXXX, 2016 To Accounts Supervisor, I am contacting you to rectify a situation. I recently opened a credit card with Capital One, due to the offer of added miles with a purchase of $ XXXX within a time frame, and no-interest payments for over a year. I charged $ XXXX to my new card on XXXX/XXXX/16, and received the first email copied below, dated XXXX. For some reason, the link to " make a payment '' was n't working, but I made my {$100.00} payment the following month. I had also called to ask for the specific date on which my no-interest period ends, but I was put on hold for a very long period, and no one came back to answer my question. I called back another day to inquire again, and was told that I have no offer for no-interest payments! 

This floored me, and I am very disturbed and distressed about this situation! I specifically signed up for the card, because of the no-interest offer for a period of time, and I knew I 'd need this, because I was intending to use it for the very large purchase that I 'd anticipated. It is unacceptable that my terms are now with interest charged! I was told that perhaps I had accidentally selected the wrong card offer, but I do n't see how I could have done this! I hope that this is just an error on the part of Capital One, and not a bait-and-switch scheme, which is what it feels like. Once again, it is unsatisfactory that I am now being charged interest on my purchase! I never would have gotten this card with interest, knowing that I was about to make a $ XXXX purchase! I am escalating this to you, because I need this situation rectified, to where I have no interest for the term. Thank you for your immediate assistance. 
Regards, XXXX XXXX - close of letter - P.S. On a recorded conversation, a rep looked up the offers about the time of my application, and found that the " XXXX XXXX '' card had the offer I wanted, but they sent me the '' XXXX '' card, which does n't have an interest-free offer. They made the mistake of sending the wrong card, but said they ca n't change the card now. I contend that it is their mistake ; they must be accountable and give me a card with no-interest payments for the same term.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking of the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

I am reaching out for your help concerning this misleading account reported on my credit report. This issue has caused damage to my reputation, and I need your intervention. Your mishandling of my credit report has left me feeling vulnerable, as this misinformation has destroyed my reputation. It is necessary to remove this incorrect information from my credit report.
Product: Mortgage

In XX/XX/XXXX I sold a property in XXXX XXXX, XXXX, Texas. During the settlement process I was asked for, and supplied, XXXX Bank details for electronic transfer of funds. Subsequent to settlement, in XX/XX/XXXX, I received a paper Check via surface mail in XXXX for USD {$590.00}, even though electronic funds transfer details were supplied for settlement purposes. My XXXX Bank have advised they are not able to accept a physical paper Check, therefore I am unable to access these funds.
Product: Credit card

I am a victim of identity theft. A credit card account was opened with Barclays bank for a " Jet Blue XXXX '' card ( ending in # XXXX ), to which {$4100.00} was charged. I did not open the account, nor did I authorize someone to open the account on my behalf. I have never accessed the account online or otherwise, nor have I received nor used a credit card associated with the account. 

I have repeatedly requested that Barclays conduct a fraud investigation, close the account, and report the occurrence accurately to all CRAs. I provided a written copy of the FTC 's notice to furnishers demanding they comply with the FCRA, as well as an FTC identity theft report ( report number XXXX ), a police report ( XXXX police report XXXX ), and a written statement requesting that Barclays close the unauthorized account, remove charges on the unauthorized account, and take steps to remove information about this account from my credit files. This information was most recently sent via mail on XX/XX/year>. 

Despite these repeated requests on my part, Barclays continues to deny my fraud claim, report the account as legitimate to CRAs, and request payment for the charges on the account.
Product: Credit reporting or other personal consumer reports

In XXXX of XXXX, I had received an email about being approved for a credit card for XXXX, but I hadn't applied to a credit card through XXXX. 


In XXXX of XXXX, I was informed via email that my application for a credit card through XXXX XXXXXXXX had been denied, but I hadn't applied to a credit card through XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of the fraudulent accounts and inquiries listed below from my credit file. These entries are unauthorized and were established due to a data breach that compromised my personal information. Under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I request their immediate removal from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has continued to post bad information on my credit report. None of my reports say the same thing. The more information I provide the worst the reporting gets. 

I have attached proof that I have been paying my account. 

I will be contacting a lawyer and the AG of Texas about this. This false reporting is causing me hardship. 

1. ( XXXX  ) XXXX  XXXX Last reported XX/XX/2020 {$120.00} Reported balance PAYMENT HISTORY You've made 70 % of payments on time All 2020 payments are reported as LATE. 
Minimum monthly payment {$25.00} 2. ( Equifax ) XXXX  XXXX Last reported XX/XX/2020 {$99.00} Reported balance All 2020 payments are reported as LATE, except for XXXX. 
Minimum monthly payment {$25.00} 3. ( XXXX  ) XXXX  XXXX Last reported XX/XX/2020 {$120.00} Reported balance All 2020 payments are reported as LATE, except for XXXX. 
Monthly payment {$25.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX, removed XX/XX/XXXX Acct. XXXX XXXX XXXXXXXX XXXX, Removed XX/XX/XXXX Acct XXXX XXXX XXXXXXXX XXXX, Removed XX/XX/XXXX XXXX XXXX XXXX, Removed XX/XX/XXXX ACCT XXXX XXXX XXXX, Removed XX/XX/XXXX ACCT XXXX XXXX, Removed XX/XX/XXXX ACCT XXXX XXXX, Removed XX/XX/XXXX ACCT XXXX
Product: Credit card or prepaid card

I used PayPal Credit recently to make a purchase but when it started my account, it wouldn't let me access the online portal for my statement. It gave me a technical error and I immediately called in XXXX, XXXX, XXXX, XXXX, stating I couldn't access my statement. In XXXX I assumed they would resolve it, so I called to report the problem them made a minimum payment through the phone system. Each month, they were unable to provide me access or resolve the error. In XXXX I requested a paper statement be sent because they were charging me late fees and said I owed a significant amount of money. I have never been provided a bill or statement that indicates what I charged and what I owe, just a reminder to pay have been emailed and texted with a request to view my account by logging in ; the email and text were a 'no reply ' so you can only call the company. Again, I tried to access and received a technical error and it wouldn't connect me. I can't screenshot the error, it says due to privacy I can not screenshot, when I call they run me through questions but can not resolve. Again, when a paper statement was requested, it was not sent and no information stating this request was sent to me. They recorded the call, they say when you call, but that is all I have. They corrected the late charge, because I asked for a bill, but again nothing to help me access the account or account information. How can I pay or verify debt if they refuse to provide information about it or help resolve the issue with accessing the account?
Product: Mortgage

Good afternoon, I received a letter from the treasury department, informing me that my mortgage provider ha snot made payments on the taxes of my home, even though I have an escrow account and pay my mortgage on time every month.
Product: Credit card or prepaid card

See attached letter that I sent to Capital One back in XXXX, but I received no response. I have a large credit balance on my closed account with capital one. Capital One has been holding this credit balance since XXXX after they made an adjustment to my account in XX/XX/XXXX. They were asking for certain information on the 2 of my accounts, and I provided all the information I was able to gather. please review both accounts for all the documents provided. Finally, in XX/XX/XXXX they mailed us back the credit balance on one account, but I never received back the refund check for this particular account. I call and call and can only reach reps in XXXX that give me total different information each time I call. please resolve this matter without further delay.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I purchased a Western Union money order from XXXX ' grocery store in the amount of {$320.00} to mail to XXXX XXXX XXXX XXXX. I filled the money order out completely on its face and mailed it through the U.S post office. On or about XX/XX/XXXX, I received notification from XXXX XXXX XXXX XXXX that, they had not received my payment. After investigating the information I learned that my money order had been frauduently cashed on XX/XX/XXXX at an unknown location. I contacted Western Union again and requested to file a fraud report. I was told that I had to complete a fraud request in writing and send {$15.00}. On XX/XX/XXXX I completed a written request and sent the {$15.00}. As of XX/XX/XXXX I have yet to receive any information as to the status of my claim. I have called Western Union on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX/XX/XX/XXXXXX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. To get an update or to request additional information to provide to the local Detective whose been assigned to the case. I've attempted to get either the name of the person who cashed the money order or the bank name and branch where the money order was cashed at on XX/XX/XXXX. Western Union has disregarded my request by doing the following ; place me on hold for long periods of time 52 mins., or state you will receive a letter in the mail with the name of the bank soon, or I can not provide you any information at this time, or they just hang the phone up in my ear. I would like Western Union full cooperation in assisting me with information to move forward with this fraud case and provide me a full refund plus interest on my money order within 30 days of my complaint.Also, Western Union should be required to handled money order thefts that consist of fraud within a reasonable amount of time, and should be required by law to provide the victim of fraud access to the necessary documents so that the victim can proceed with making timely police reports.
Product: Credit reporting or other personal consumer reports

I RECENTLY WAS DENIED FOR A MORTGAGE LOAN DUE TO THE FACT THAT I HAVE AN INACCURATE CREDIT REPORT. NOT ONLY IS THE ITEMS INACCURATE BUT THEY DO NOT BELONG TO ME. EACH CREDIT BUREAU VERIFIED ACCOUNTS THAT ARE STILL REPORTING INACCURATELY AND FRAUDULENTLY. I KNOW AFTER EACH BUREAU VERIFY AN ACCOUNT THEY MUST PROVIDE ME WITH XXXX. The name of the original creditor XXXX. The creditors address and telephone number XXXX. The persons name they verified the dispute with XXXX. The documentation original contracts used to validate the dispute. 
XXXX. Also the procedures your company have in place to ensure each account is 100 % correct which i doubt.. 
IF YOU CANT PROVE IT YOU MUST REMOVE IT OR PAY XXXX per VIOLATIN YOU ARE COMMITING. I NEED THIS INFORMATION SENT TO ME IMMEDIATELY AND IF YOU CANT PROVIDE ALL OF THIS THEN I NEED ALL ACCOUTS REMOVED EXPEDITIOUSLY!!!