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

My beau, XXXX XXXX, and I opened a joint account with navy federal. During the application process, XXXX selected the incorrect option to establish his eligibility. He thought the selection he chose was for household eligibility. However, he received an email today requesting a marriage certificate. It's already taken a few days too long to open the account and was wondering what the delay was. No one from the membership department reached out by phone to inquire or to offer a solution ; yet they sent an email. I called the bank customer service and reached an operator agent named XXXX. After explaining to XXXX several times I am the joint owner, which means we both own the account 50/50 and im already a bank member. The issue could be fixed internally, especially after I reiterated we are not married. In the wake of COVID19, NFCU is trying to compel me to leave my home to visit a branch like the XXXX didn't just report 30,000 new infectons this week. XXXX refused to give me his supervisors name nor would he provide additional identifying information to locate him. I asked XXXX seven times to speak with his supervisor and he refused. He taunted that he would not lose his job and he was very secure. The call being recorded on my end as well, I am definitely sending to XXXX. I have been a member with NFCU for a while and never have I ever had such a disgusting display of customer service.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX I was in fact a victim of the Equifax data breach that happened years ago. My Information was sold and bought illegally by XXXX knows who. I have a list of accounts from my credit report that needs to be deleted immediately. I am also attaching proof of me being a victim of the equifax data breach. Please help me delete these accounts from my credit profiles. 

XXXX XXXX XXXX reported balance as of XX/XX/2022 XXXX XXXX  XXXX reported balance as of XX/XX/2022 XXXX XXXX XXXX XXXX XXXX reported balance as of XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX this was the start of my credit being acted by an outside entity )
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, My name is XXXX XXXX and I am writing to you to express my deepest request for support with a issue that I have had going back-and-forth for sometime now that has yet to be resolved. During XXXX I was XXXX  and when I was released in XXXX I realize that there was something on my credit report that I tried to dispute multiple times. Every time I have tried to dispute the debt, Experian updates or changes the consumer name, not providing any updated contact information, phone number or otherwise. XXXX XXXX XXXX have already erased this debt from my credit report completely. 
The last time I tried to dispute it with the prior third party company, I was told me that there no debt in my name, no information or recollection for them to confirm that I owe the debt. At that time I thought that this was going to be resolved as it is some type of fraud or mistake. Yet now we are here in XXXX almost 7 years later, with the same outstanding debt on my credit. Several months ago when I contacted the third-party debt collector as I mentioned before they explained that I did not have an account, now look at my credit again and they have changed/updated the name of the company WITHOUT AN updated balance, theres no phone number, theres no company address and theres no starting debt amount. Yet Experian continues to keep us on my credit report. This is affecting my ability to purchase a home, apply for car, insurance find suitable housing, and or employment. Now they have no phone number or identifiable information for me to dispute this information with whatever company this is supposedly belonging to each third-party that has picking up the stat has told me that there is no information. Yet Experian keeps this on my credit for affecting my life overall. Attached is the original documents that Experian listed and then updated showing inconsistencies with account name, account number, balance start/ending & contact information.
Product: Credit card

I called Discover Card to explain that I was unemployed and that I can not continue making payments yet they will not give me options to resolve the late payments in this account.
Product: Credit reporting or other personal consumer reports

XX/XX/year> my car loan was official paid off and was not reported as paid off to the credit bureaus. I did dispute with bureaus showing proof that this was paid in full and reported information by XXXX was inaccurate information, but dispute results still come back as verified and accurate.
Product: Credit card or prepaid card

Target Red Card is holding payments that I have sent to them and that have cleared my bank. Today is XX/XX/2020 and there are payments that cleared my checking account on XXXX and XXXX XXXX that are not reflected in my available balance. The only way they will release the funds is to do a conference call with my bank which is unfair to me as a customer. I have a {$250.00} credit balance but only less than {$70.00} available credit. They have done this at least 3 times and I've only had the card since XXXX. They should not be allowed to hold payments for such a long time after a payment posts. It is unacceptable to need to do a conference call with my bank to be able to use the funds that they're holding hostage.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX CHANGED information previously reported as accurate, on my Credit report more than a year after the account was closed I believe this was done maliciously in coordination with XXXX XXXX to cover up sloppy bookeeping. Dates of payments received were changed XX/XX/XXXX AFTER I disputed information from my Credit report that showed XX/XX/XXXX payment was paid & verified as ACCURATE by Equifax & XXXX from XX/XX/XXXX through XX/XX/XXXX. My rights under FCRA are being violated. The information provided in my credit reports ( Equifax & XXXX ) are unfair, inaccurate, incomplete & totally unverifiable!
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>
Product: Debt collection

I disputed an item that was falsely added by this creditor. On my credit file they claimed i owed {$160.00}. On XX/XX/18 I sent my first letter, this letter was received by them via certified mail on XX/XX/18, After 30 days passed, this company responded to my first letter by sending me a false document that looks like a bill, this document didn't bear my signature and furthermore didn't reflect that I had a contract with this company or their alleged client. Unsatisfied with the first letter, I sent them a 2nd letter on XX/XX/18 continuing to dispute the derogatory item on my credit profile, this letter was received via certified mail by them on XX/XX/2018, this company had no response to my 2nd letter and furthermore they continue to report this false item on my credit profile to all 3 bureaus. As per FTC opinion letter from Attorney XXXX XXXX XXXX, a printout of a bill or itemized document does not constitute verification. I have received nothing from this company and they continue to break the law by falsely reporting derogatory item on my credit profile. This is illegal and unethical.
Product: Credit card or prepaid card

I applied for a XXXX with the promo attached to this form. I spoke with 4 reps. First rep said that the XXXX XXXX point offer was on my account and promised that I would receive it, but the part of the offer about the {$100.00} statement credit was not on my account and he would submit a ticket for investigation and gave me reference number : XXXX Second rep said to wait on the investigation on the {$100.00} but reassured and promised that the XXXX were coming. 
Third rep said the {$100.00} statement credit came from XXXX, not Amex and to call XXXX Fourth rep said I gamed the system because I closed an account with them a long time ago ( A cashback card ) and I could not get either the points or credit. I explained the situation behind the closed account : It was my first card with Amex and I upgraded it and got another card ( the green card ) with no bonus because I liked Amex, also because I liked them, I referred a friend. Neither her nor me received our referral bonus. Amex refused to help, saying that we did something wrong and that a system error was impossible. I was frustrated at the poor way Amex handled the situation and therefore ended my relationship with Amex. Then, about a year later, Amex sent me an apology letter and made things right, so I decided to give them another try. I was not gaming them ... 
I also, was not notified that I was ineligible, as the forth rep said I was. 
I asked him to consider if he were to buy a computer at the store that said in big letters 8GB RAM, then in fine print on the back said may not be 8GB RAM. I asked if he would feel cheated after he bought it and found out that the store did the bait and switch on him. He didn't answer/ignored that hypothetical scenario ...
Product: Mortgage

I have an FHA mortgage with Planet Home Lending. Loan number XXXX. 

Planet Home miscalculated the amount required for my escrow significantly, so I contacted them. They refused to lower my escrow. I figured they would just over charge me, and I would get a refund in a few months when they figured it out. This was a small hardship for me, but I could cover it. 

I paid {$1100.00} into my escrow to catch it up and went in to pay the rest today when I noticed they actually applied the {$1100.00} to my principal. I put this money into my escrow on their online web site. They did this at the same time they took my usual loan amount of {$940.00}. They moved money from my escrow to my principal. Now they still want the extra escrow and I have no faith they will apply it as such. 

I have a very low interest rate with them, and they appear to be trying to get my money before terms agreed upon. 

This is causing a hardship for me because now I have to come up with money to cover this. 

They need to apply the {$1100.00} to " catch up '' my escrow as that is why I put the money in there. The stress- I clicked on the option for this money to be put in my escrow. I did not intend for it to go into my principal. I can not afford to prepay principle right now.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX someone was able to access my account and transferred money from my savings to checking and then made series of 4 unauthorized XXXX transactions. Amounts : {$200.00}, {$450.00} ( posted XX/XX/XXXX ), {$700.00}, and {$650.00} ( posted XX/XX/XXXX ). Before this time I did not even have a XXXX account, so the perpetrators of the fraud also created a XXXX account at the same time. 

As soon as I was notified of these fraudulent transfers I called the bank and reported it ( around XX/XX/XXXX ) All 4 transfers were still pending at the time ( as noted above they did not post until XX/XX/year>. ) Within a few days ( XX/XX/XXXX ), the bank had credited the smaller of the two transfers to my account, but not the other 2. Calls to the bank were not helpful. They said to wait 10 business days while the investigation was ongoing, and that I'd receive a report when the investigation was complete. 

Meanwhile I also filed a local police report on the fraud, and reported the fraud to XXXX. 

While waiting for any action, all the XXXX transfers moved from pending to complete. 

Around XXXX XXXX the credits given to me by the bank were reversed. At the time my balance in checking almost went negative and I had to transfer money from savings to checking to ensure I didn't incur fees. 

Still there was no update from the bank. 

I called today and the bank reported that the result of the investigation was that there is no proof of fraud. Even though I had called when the transactions were pending to report them as fraud. I can also show that it was not me accessing my account because of the IP address and operating system type logged in at the time of the transfers. It seems the bank has purposely not done their due diligence in investigating this fraud in order to not refund the fraudulent transactions. 

The bank also can not tell me how the bad actors got access to my account, and can't offer any suggestions on how to prevent this type of activity in the future.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX has discharged ( canceled or forgiven ) original debt amount. Gross income is not part of credit report and is to not be reported. Per IRS Publication 4681 : Canceled Debts, Foreclosures, Repossessions, and Abandonments ( for Individuals ) Generally, if you owe a debt to someone else and they cancel or forgive that debt for less than its full amount, you are treated for income tax purposes as having income and may have to pay tax on this income. If you abandon property that secures a debt for which you are personally liable ( recourse debt ) and the debt is canceled, you will realize ordinary income equal to the canceled debt. You must report this income on your tax return.

The Family Educational Rights and Privacy Act ( FERPA ) is a federal law enacted in 1974 that protects the privacy of student education records. FERPA applies to any public or private elementary, secondary, or post-secondary school. 20 USC 1232g ( b ) ( 20 U.S.C. 1232g ; 34 CFR Part 99 ) is a Federal law that protects the privacy of student education records. The law applies to all schools that receive funds under an applicable program of the U.S. Department of Education. Generally, schools must have written permission from the parent or eligible student in order to release any information from a student 's education record. However, FERPA allows schools to disclose those records, without consent, to the following parties or under the following conditions ( 34 CFR 99.31 ) An applicable financial entity has discharged ( canceled or forgiven ) original debt amount. Gross income is not part of credit report and is to not be reported. Per IRS Publication 4681 : Canceled Debts, Foreclosures, Repossessions, and Abandonments ( for Individuals ) Generally, if you owe a debt to someone else and they cancel or forgive that debt for less than its full amount, you are treated for income tax purposes as having income and may have to pay tax on this income. If you abandon property that secures a debt for which you are personally liable ( recourse debt ) and the debt is canceled, you will realize ordinary income equal to the canceled debt. You must report this income on your tax return
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently a debt was added to my credit report, the original creditor was XXXX, but it has since been transferred to a debt collector, CKS Prime investments. However, XXXX, formerly known as XXXX is the company that's actually collecting on the account for CKS Prime Investments. 

I agreed to a settlement offer of {$500.00} and started making payments to XXXX as instructed, to date, I've paid {$160.00}. Upon checking my credit reports, the amount reported as due in collections is actually {$470.00}. I asked XXXX why there was a discrepancy, they advised I reach out to CKS Prime Investments. I've reached out to them XXXX, and left XXXX voicemails. They refuse to return my call. 

Moreover, XXXX has reached out to them on my behalf in XX/XX/XXXX, and XX/XX/XXXX. CKS Prime Investments has not returned their request either. If the amount to be collected is {$470.00} why is CKS Prime Investments reporting to XXXX that I have to pay more? They are obligated to report accurately. 

Because CKS Prime Investments are delaying communication, XXXX has halted my settlement offer until they get an precise answer. I want to get this off my report.
Product: Student loan

My online account access with American Education Services ( AES ) was blocked due to XXXX returned payments within 12months. It was recommended to me to set up an automatic bill payment through my bank, but I could not do that until my account/loans were paid up-to-date. I was told I could not make a payment over the phone for that payment because my account was not up-to-date, so I needed to mail a payment in, but that I could make payments over the phone after the initial mail-in payment bringing the account current. I mailed in the payment and planned on paying over the phone the next month, as I was told I could do. The following month, I called to pay over the phone and was again told I had to pay by mail, even though I was advised I could start making telephone payments. The payment was then late because they refused to accept a payment over the phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

I kindly request that you thoroughly investigate these accounts and take appropriate action to have them removed from my credit report. This is crucial in ensuring the XXXX
Product: Debt collection

On XX/XX/XXXX I received an email from XXXX notifying me that a collection was added to my XXXX file. Further investigation showed that it was posted by Sunrise Credit services on behalf of XXXX. 
On XX/XX/XXXX and XX/XX/XXXX they posted the same collection on my XXXX and XXXX account I had not then and still have not received a debt validation letter from Sunrise Credit Services. 

Until XX/XX/XXXX I had been a long term XXXX customer. 
I was fed up with XXXX 's ongoing service problems, equipment failures and price increases and on XX/XX/XXXX I had XXXX XXXX installed and cancelled my XXXX XXXX On XX/XX/XXXX I returned my equipment and received a Thanks for returning my equipment email from XXXX. 

I was subsequently invoiced for XXXX, XXXX and XXXX. On XX/XX/XXXX I called the XXXX toll free number and spoke to XXXX, a XXXX employee who confirmed that I last used XXXX in XXXX, XXXX. She explained that she would process an adjustment, at which time I would be " all set ''. 


After I learned of the collections notice I posted a complaint on a XXXX XXXX XXXX at the end of XXXX and was able to chat online with a XXXX XXXX who said that the account had been sold to a collection agency and there was nothing she could do, I do not owe anything to XXXX or a collection agency. These are both large corporations that hide behind an online presence. 
It won't take you very long to figure out that being billed after cancellation occurs often, there are complaints in the XXXX forum, XXXX groups and the XXXX XXXX XXXX  for starters.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit card debt was already settled with Discover bank since XXXX of XXXX. However, it continues to negatively harm my credit score as " negative '' each and every month. ( See attachment below ). 

In spite of me producing a request for disclosure pursuant to15 USC Section 1681i of the Fair Credit Reporting Act of 1997, and pursuant to section 609 of the Fair Credit Reporting Act, Discover refuses to remove/delete it from my report.
Product: Payday loan, title loan, personal loan, or advance loan

This is an installment loan that was approved and funds disbursed when I was living in California on XX/XX/2019. The max APR for California is 41.3 % and my percentage is 64.41 %. interest alone is {$21000.00}. my original loan amount is {$8700.00}. {$30000.00} is the total loan payment. XXXX XXXX, also known as the California Fair Access to Credit Act, was signed into law by Governor XXXX XXXX in XX/XX/2019. Its primary goal is to protect consumers from predatory lending practices, particularly in the context of payday loans. Here are the key provisions of XXXX XXXX : Interest Rate Caps : XXXX XXXXXXXX prohibits payday lenders from charging exorbitant interest rates on certain loans. Specifically, it bars lenders from imposing interest rates exceeding 36 % plus the federal funds rate. This measure aims to prevent borrowers from falling into debt traps due to high-cost loans1.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX  Account # XXXX Account # XXXX XXXX Equifax Account # XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX Account # 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: Credit reporting or other personal consumer reports

After reviewing my report, there are several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete Please delete the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards