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

hello. I would like to make a claim about the charges on my account of penfed on my savings account that no proceed for use the ATM machines when you did not have available machines for the clients, it is there a total amount of {$54.00} on charges on use the ATM machine fees of {$2.00} on each transaction plus {$1.00} ATM fees. And they started with {$1.00} then changed to {$1.00} if i choose to not verify balance they uodate the account statements and add the {$1.00} pls {$2.00} on each transactions, The dates and transactiosn are the following:XXXX charges of XXXX plus {$1.00}, XXXX charges of {$2.00} plus {$1.00}, XXXX charges of {$2.00} plus {$1.00}, on XXXX charges {$2.00} plus {$1.00}, on XXXX charges of {$1.00} pls {$1.00}, on XXXX charges of {$2.00} plus {$1.00} on XXXX charges of {$2.00} plus {$1.00}, on XXXX charges of {$2.00} plus {$1.00}, on XXXX charges of {$1.00} plus {$2.00}, on XXXXcharges  of {$2.00} plus {$1.00}, on XXXX charges of {$1.00}, on XXXX charges of {$2.00} plus {$1.00}, on XXXX charges of {$2.00} plus {$1.00}, on XXXX charges of {$2.00} plus {$1.00}, on XXXX charges of {$2.00} plus {$1.00} on XXXX charges of {$2.00} plus {$1.00} on XXXXcharges of {$1.00} on ATM fees. there are {$54.00} on atm fees charges. Please refund the money that you charge on my account those charges do not proceed. They PENFED are accesing in the account and ajsting and adding more fees beacse revise the transaction deposit that i received for aids for pandemic covid19 disaster. Equally they performed the same thing on the credit card addin {$30.00} on my balances when I am online, I called and the lady pretend to close my credit cards without y authorization and request, and they denied me a consolidation of credit cards balance to pay a debt of {$11000.00} like having a {$30000.00} loan at 4.25 % and I'm not having that debt I only have {$11000.00} and making payments of {$220.00}, they did not want to provide me any aids after the disaster. 

please let me know. 
XXXX XXXX
Product: Money transfer, virtual currency, or money service

I responded to an employment ad on the internet which took me a web site, XXXX, and applied for the XXXX XXXX XXXX. I was interviewed twice and then I was sent ( 4 ) documents in succession to read and then pass written test. Upon successfully passing the test I was hiring the start making purchases for the company and ship the items to designated areas. I was told once I successfully completed the first two assignments, I would receive a corporate credit card as well as a cell phone and lap top. Until my card was issued, I received an account number and a routing number that I would use to pay down my personal credit cards so I would have their money to make the required purchases. The account was with SunTrust bank and upon calling them to use these funds to pay down my credit cards I was asked my name and if I was authorized. I told them that this was a corporate account put in my name to use to pay down my cards. At this point they made these payments toward my cards whenever I requested. After withdrawing over {$20000.00} the payments started to be reversed. I called SunTrust to ask them what happened and they told me that this was not my account and that I was not authorized. This now leaves me deeply in debt with the banks that have issued the credit cards to me. My concern and question is don't the banks have a responsibility to the consumers to verify the account information and its authorized users? In todays world with identity theft being a major concern and problem I feel that the banks are being negligent and should be held accountable. I have attached many documents and there are many more emails should you need copies. I apologize that the emails are a bit unorganized, that happened while copying.
Product: Credit reporting, credit repair services, or other personal consumer reports

IVE BEEN A VICTIM OF HAVING MY INFORMATION RELEASED TO THE PUBLIC WITH VARIOUS DATA BREACHES. THEREFORE, I HAVE HAD PLENTY OF INACCURATE ACCOUNTS LISTED ON MY CREDIT REPORT THAT WERE PREVIOUSLY DISPUTED. SOME ACCOUNTS CAME BACK AS VERIFIED WITHOUT ANY PROOF OF THE PROCESS THAT WAS USED TO VERIFY THESE INACCURATE AND INCOMPLETE ACCOUNTS. I NEED THESE ACCOUNT REMOVED IMMEDIATELY BECAUSE THEY ARE RUINING MY REPUTATION WITH THE BANKING SYSTEM. I SENT LETTERS ASKING FOR THE METHOD OF VERIFICATION MORE THAN 30 DAYS AGO AND I STILL HAVENT GOTTEN A RESPONSE
Product: Debt collection

I order XXXX internet. They installed internet and a phone line. I told them I don't need a phone line and never ordered one. They said they will removed the phone service which they did but a year later I got collection bill from XXXX XXXX XXXX XXXX stating I owe XXXX. I contacted XXXX   about it and was promised they will notify XXXX XXXX XXXX XXXX to stop notification. Notification of collection did stop but it still show up on my credit. every time I called the promise it will be removed but it's still there affecting my credit score. 2 other collection agency have this same XXXX bill on my credit
Product: Credit reporting or other personal consumer reports

The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate 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
Product: Credit reporting or other personal consumer reports

Per FERPA ( FAMILY EDUCATION RIGHTS and PRIVACY ACT ) enacted in 1974, I have a right to privacy of student education records. XXXX has repeatedly violated my privacy & has failed to remove these items from my credit report.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I disputed inaccurate accounts that were listed on my credit report. 
Then on XXXX XXXX I sent an additional letter in regards to the inaccurate accounts. 
XXXX is reporting an account, XXXX XXXX XXXX - Account number XXXX and XXXX - Account number XXXX. 

I don't or never had an account with this company. 

Transunion is reporting XXXX - Account number XXXX XXXX  and transunion refused to remove the disputed accounts, conduct a proper investigation nor provide me with their method of verification. 

This is a violation of FCRA Section 611-'a'-'2 '
Product: Mortgage

My offer for the home was except, and I went under contract around XX/XX/2021. My original closing date was XX/XX/2021, but I could not close on time because the bank was still processing all my information stuck in underwriting on the house still didn't get the appraisal report back. So my real estate agent had me sign a contract extension which took me from the XXXX of XXXX to XX/XX/XXXX to give Bank of America more time to finish my paperwork in underwriting. 

Then around the XXXX, the appraisal report finally came. Today, it's XX/XX/2021, and Bank of America still has me stuck in underwriting for the question I answered over 3 three times already with a letter. They also had a third party call me about the same questions to verify 3 of my accounts. I just found out yesterday night, XX/XX/2021, from my real estate agent the owners don't want to sign a second contract extension my agent gave me to sign on XX/XX/2021, because they got tired of wait on me because of Bank of America taking to long to get everything done with their underwriters.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021
Product: Student loan

I am a survivor of XXXX and XXXX  XXXX and I my XXXX coherst me into several private student loans to where he bought a XXXX, and another car for my son, and used for fixing up our house. The only way I could get peace was is I agreed to sign this loan. We divorced 4 years ago and I still am trying to rebuild and find relief from this marriage. The only way he agreed to get the divorce was he put XXXX and XXXX all over me and his choice was either jail or give me money so I could hire an attorney. 4 years later I am still seeking relief. 

I can not pay this loan because it is from XXXX  XXXX. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing regarding my TJMax XXXX credit card. I am in the process of purchasing a home and the lender supporting us asked us to payoff several of our credit cards, this card was one of them. Based on my XXXX statement balance, I paid {$85.00} on XX/XX/2021, which was actually a few dollars more than the outstanding balance on the account. In my mind, I thought that the credit card had been paid off. After XXXX I NEVER RECEIVED the XXXX statement which closed on XX/XX/2021. Apparently there was an {$32.00} balance that was carried forward which I was not aware of as it DID NOT appear on the statement. The credit card appeared as being 30 days late on a credit report that the lender just ran on XX/XX/2021 literally 2 days after the XX/XX/XXXX closing date. When the lender called me about this situation, I called the customer service number and spoke with a representative to attempt to gain clarity on this matter. I told her that I never received the statement and thus did not know that there was a pending balance otherwise, I would have paid the entire amount. If I can pay the {$85.00} to pay off the account, I would have most certainly pay the additional {$32.00} if I knew about it. To this, the representative responded " you are not the first person that has called about this, we have been having issues with this due to COVID however, there is nothing that I can do, you will have to work with the credit bureaus to clear the 30 day late notification as this is done automatically ''. I HAVE NEVER BEEN LATE ON THIS CARD SINCE HAVING OPENED THE CARD. I PAID WHAT I BELIEVED TO BE THE FULL AMOUNT AT THE END OF XXXX. This is really negatively impacting my credit and I would like to get this resolved immediately and as such am requesting your support in addressing this matter. This is an oversight and issue related to the global pandemic, this is not negligence or a continuation of non payment. AGAIN, I HAVE NEVER BEEN LATE ON THIS CREDIT CARD. Please help in getting this off my credit and off the credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed, over the course of several months, 2 medical collection accounts that are being reported by Equifax. i have asked them to remove this inaccurate information from my credit report because they have failed to provide me how it was verified and their method used to verify the 2 accounts. I pointed out to them that the other 2 credit bureaus ( XXXX & XXXX ) deleted these medical collection accounts because they could not verify them, yet Equifax was somehow to magically able to verify the accounts. I have asked them to provide me with documentation that shows a binding agreement and that bears my signature. they have failed to do so and only respond as " verified ''. This is incorrect and I believe they are to be held accountable since the burden of proof lands on them as they have to report 100 % accurate information.
Product: Debt collection

I am writing to officially lodge a complaint concerning a series of unsatisfactory interactions with MOHELA representatives, specifically regarding billing and income-driven repayment ( IDR ) issues. On XX/XX/XXXX, at approximately XXXX EST, I initiated a call to discuss an unexpected charge of {$690.00} to my bank account, a significant increase from my last payment in XX/XX/XXXX, which was {$470.00}. 

During this call, I interacted with XXXX representatives XXXX, XXXX, and XXXX each providing varying levels of information but ultimately failing to resolve my concerns. XXXX admitted on the call that MOHELA failed to notify about the IDR recertification acceptance. My primary issues are as follows : Lack of Proper Communication : Despite my repeated inquiries and a formal request for clear communication in XX/XX/XXXX, MOHELA has consistently failed to inform me of critical changes to my IDR plan. This lack of communication has led to unexpected financial charges and considerable distress. 

Inadequate Service and Support : Each representative provided incomplete or unsatisfactory answers. Notably, XXXX abruptly terminated the call at XXXX EST without addressing my concerns or arranging for a callback. 

Policy Transparency and Compliance Issues : My request for a record of the conversation was denied, citing company policy. Furthermore, MOHELA refused to provide a copy of this policy. This raises concerns about transparency and accountability, particularly since my loan agreement is under the jurisdiction of the U.S. Department of Education, suggesting that federal policies should apply. 

Given these experiences, I request the following actions : A thorough investigation into the handling of my account, specifically regarding the uncommunicated changes to my IDR plan and the unexpected charge of {$690.00}. I would like it referred to the DOJ for wire fraud. 
Clarification on MOHELA 's policies about customer communication, call recording, and the sharing of policy documents. 
An official response detailing how MOHELA intends to rectify this situation, including reimbursement for the undue financial burden caused by the uncommunicated change in payment amount.
Product: Debt collection

Contract Callers - Tel : ( XXXX ) XXXX This company is listed on my credit report claiming to be a collection agency for XXXX. However, I pay XXXX directly. Not through and outsourced agency. 

I would like them to remove their negative remarks from all of my credit reports through each credit bureau, and issue a formal apology for the continued garnishment of my credit rating and score.
Product: Credit reporting or other personal consumer reports

I am formally disputing the following late payment entries on my credit report : XXXX XXXX XXXX These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 
I appreciate your prompt attention to this matter and expect a resolution as soon as possible.
Product: Debt collection

XXXX XXXX XXXX XXXX is trying to collect money we don not owe them We were insured by XXXX until XX/XX/XXXX and did not renew. Mean while when we relocated temporary we signed insurance coverage with a different vendor that started in XX/XX/XXXX XXXX claims we owe them money after their policy expired but we did not renew with XXXX In XX/XX/XXXX We received collection letter from Waine & Cainer that we owe {$820.00} We contacted Waine & Cainer and sent them copy of Proof of insurance that we were covered by other carrier at the time XXXX Claims they insured us. 
Several times they refused to except this and kept harassing us. 
Last month they finally excepted that we do not owe this money and said that we are all good. 

Until yesterday, when I received another letter of collection from Pucin & Friedland for the same issue that I thought we just resolved. 
Looks like Waine & Cainer and Pucin & friedland is a related company and just refuses to except that we do not owe any money I just want them to stop this and remove and negative impact on our credit Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I saw three derogatory marks on my Transunion credit report, all from XXXX XXXX XXXX, and disputed all three. Two of them were removed, but one of them was " verified '' as me. Then the website would n't allow me to dispute again, so I called Transunion. An employee there said a last name that was not mine was associated with my account, I asked him to remove it and submitted another dispute. Transunion then sent a letter stating there was nothing they could do. I 've also contacted the collections company, XXXX XXXX XXXX, several time and spoke to XXXX XXXX every time. I 've explained the situation and they 've remained unhelpful and asked me to submit a letter of dispute. I feel as though they used me to get false information, which they 've added to this person 's account. They also gave me a lot of information on the person to whom the medical bills actually belong, such as her phone number and address. I 've contacted the hospital that XXXX XXXX XXXX told me they received the bill from, and they 're working to rectify the issue. 

The derogatory mark is still on my account, it 's for a hospital collections in Utah, when I 've never been to Utah, or been in the hospital. I 'm concerned, as through calling around I 've discovered the person it belongs to has the same birthday and first name as me. Transunion was extremely unhelpful and I 've called multiple times. The collections marks have been on my credit since XXXX and it 's XXXX now with no resolution in sight.
Product: Credit reporting or other personal consumer reports

My personal information was used to obtain a student loan. Im not in school. I graduated from XXXX XXXX XXXX  in 2013. I have not attended another university and do not plan on in the future. I have student loans under XXXX XXXXXXXX XXXX only and no other accounts. I have not participated or contributed to any consumer accounts for a student loan. It has affected my ability to assess resources for my way of life.
Product: Credit card

On XX/XX/year>, I purchased a facial massager on my Capital One Venture X credit card for {$400.00}. The device sent to me was defective. The vendor refused to take back the item. I requested for Capital One ( my credit card company ) to credit me for the amount paid and to charge back the vendor on grounds that the item delivered was not as advertised. The vendor advertised a new working device. I was sent a non-working device. 

On XX/XX/year>, I submitted my claim to Capital One to request for purchase protection for this purchase and included evidence of the my communication with the vendor to prove that I was not able to get them to refund me for the purchase. 

On XX/XX/year>, Capital One sent me a communication concluding the investigation in the vendor 's favor because the vendor proved that they delivered the order to me. But my claim was not because I didn't receive the order. My claim was, I was sent a non-working device. That means the vendor sold an item that was not as advertised. They certainly wouldn't advertise the device as defective. Capital One said I can appeal by sending the invoice and proof of my case. 

On XX/XX/year>, I submitted the invoice and additional proof for my claim. Within hours, they sent me another communication telling me that the case is closed because I didn't submit the required information. This is not true. 

I submitted the invoice along with documentation of my many attempts to get this resolved with the vendor. 

Capital One promises its credit card customers with purchase protection. Yet, when we need it, it turns it's back on us.
Product: Credit reporting or other personal consumer reports

I am writing to dispute a fraudulent account that is currently appearing on my credit report. I believe that my personal information has been compromised and used to open an unauthorized credit card. 
The account in question is : Creditor : XXXX XXXX  Date Opened : XX/XX/year> I have never authorized or applied for a credit card with XXXX  XXXX. This account is not mine, and I am a victim of identity theft. 
I contacted XXXX  XXXX directly and reported the fraudulent activity. They have closed the account. 
Despite XXXX XXXX closing the account, it continues to appear on my credit reports, negatively impacting my credit score. 
See my FTC Identity theft report attached. 
I am requesting that you : Conduct a thorough investigation into this matter. 
Immediately remove the XXXX  XXXX account from my credit report as it is a result of fraudulent activity. 
Ensure that my credit report reflects my true credit status, which is on-time payments, and no negative fraudulent accounts. 
I expect a prompt resolution to this matter. 
Thank you for your immediate attention to this serious issue.
Product: Credit card or prepaid card

I have two credit card companies that when I try to make a payment or see a statement ask to send me a code thru processes such as Text/SMS or call my phone. I can not receive these types of messages. My phone does not pick up automated computer calls fast enough for me to hear all the message. And it is not a mobile phone. These companies are Synchrony and XXXX. I have called the companies, emailed, and chatted with their representatives to no avail.