23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

We had recently purchased a holiday trip to XXXX using our Capital One venture X credit card. Due to my husband 's XXXX we had to cancel our trip that we made 3 months ago. We cancelled the trip with Costco Travel and they gave us {$3000.00} out of {$4100.00}. Our credit card promised that they cover trip insurances but when we filed a claim for this trip cancellation they are coming back with all their hidden rules and not returning our non refundable money back that Costco didn't give us back which is {$1100.00}. 

I am not happy that we are stuck with this credit card folks for our trip. It's not been an easy conversation with them and on top of that my family is also sick. It's been a terrible experience to have purchased our trip with them
Product: Credit reporting, credit repair services, or other personal consumer reports

They have violated multiple federal violations including asking me for down payment threw an already approved loan with credit. You have greatly ruined my credit just off your company alone. You have put me in emotional distresss right now as we speak.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX  old daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Product: Checking or savings account

Time & Date : XX/XX/year> around XXXX Location : Bank of America ATM ID : XXXX. Near Gates XXXX of XXXX XXXX XXXX XXXX XXXX XXXX {$7500.00} of cash into the ATM, an error occurred with the machine. Cash was not returned. It didn't reach my checking account either. It just took my money. Here are the actions I took : 1. Called the number on the atm immediately : XXXX XXXX XXXX to report the incident. No one picked up as it was XXXX 's XXXX. 
XXXX. On XX/XX/XXXX, called the BoA customer center and reported the issue. Got a claim number : XXXX. They told me they would give me credit for the missing cash deposit. They also told me that researching would complete in 45 days. 
XXXX. On XX/XX/XXXX at XXXX, I visited a bank branch in XXXX XXXX WA to report the issue once more. They told me that ATM department is separate from the banking department, and there was nothing they could do for me. The banker tried calling internally, but no one picked up as it was late in EST. 
4. Deposit didn't come through. No pending deposit sign. No credit granted. No further action taken by the bank. The status of the investigation is still " researching claim ''. 45 days of research is way too long for the amount of money at stake.
Product: Credit reporting, credit repair services, or other personal consumer reports

This USAA FSB account # XXXX is Paid-in-Full. The account is not " Open '' or in a " Payment Plan '' as it is completely paid. USAA has been asked to correct this  inaccuracy. XXXX  and XXXX  have also been notified to correct the false information but have not.
Product: Checking or savings account

Over the last two weeks, I have tried to access my online savings account using my personal sign-in information. To date, when I sign-in, I am only able to access my credit card information, but can not access my savings account or CDs. Amounts in these accounts are substantial. Upon reaching out by phone, I constantly get niceties but no solution. Yesterday, I was told that someone would call me before XXXX XXXX  Eastern time to help resolve this issue, but the phone call never came. Today, I called again and was told that I need to wait up to another two days for a callback. It seems that there is no urgency on their part to correct this issue.
Product: Checking or savings account

XXXX XXXX XXXXXXXX citibank XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX citibank XXXXXXXX XXXX XXXX XXXXXXXX accounts was open up fraudulently i didnt open up none of this i think my father used my info
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has been constantly ignoring my request for validation of accounts. I have requested several times from the companies for proof of contract that applied with them to no prevail. I have also sent Equifax numerous of request to delete due to no contract or validation of account and provide proof. Equifax has continuous ignored my request even after providing proof. They are also displaying someone else ssn number on my credit report. This is against the law to release this information belonging to other individuals. I would like this information remove asap before I seek legal assistance. I do n't want to be held accountable for their mistakes. I have attached the request as well as forms that were previously sent to Equifax per their request as well as a copy of my DL, SSN. They are stating it is from an application. I do not apply for anything with someone elses ssn so please remove. Please not this information was sent to a Supervisor in their Consumer Internal Affair Dept several times. Also in a previous case I asked for the fraud alert to be remove and they responded that it was removed on the report attached they have added this back to my file. Equifax practices regarding peoples SSN,  identity, and file to me is criminal. They just allow anything to be on the reports without proper validation. Please see the attached letters that were sent to Equifax certified as well as faxed. They have violated my rights completely.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Bank ran my credit on XXXX XXXX and I have not done any credit applications with any bank in 3 months. I called to ask why they ran my credit and they keep transferring me an referring me to other banks to call. No one is taking responsibility for why my credit is being ran. XXXX bank appeared around the same time on my credit. I do not have an account or any other bank products with either of these banks. The credit bureaus refuse to remove these inquiries and is referring me to the companies directly even though I told them my identity has been compromised. 
Among these inquiries that I have previously sent complaints about are XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX. The credit bureaus will not validate these nor delete them when I told them that I did not authorize these and sent in proof that I had a police report showing my purse was snatched with all of my identifying information inside of it. 
I have a security freeze posted on my credit to keep this from happening again, but I need these items removed in case I want to get credit in the future.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please accept this letter because it is very important for me. This inaccurate information is destroying my report! I hope we find mutual understanding and you will remove these accounts from my report as I do not recognize them, they are not mine and I do not know how they appeared in my report. I am identity theft victim and please help me. I am forced officially complain about that you are reporting inaccurate and incomplete credit information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to get XXXX  and Equifax to remove XXXX # XXXX a collections that is over 7 years. I have sent them both dispute letters months ago and nothing so far. I don't understand why this is still on my report when it over 7 years old. I hope you can help me with this matter and get this off my report.
Product: Debt collection

Over 10 years ago Providian National Bank charged off a debt. Its so old that its no longer showing on my credit report and they are out of business ( see document attached ) so there is no way of verifying original creditor or amount. XXXX XXXX XXXX is trying to attempt to collect that debt. This is a third party debt collector. The debt and the statute of limitations has expired on the original debt.
Product: Mortgage

I have a complaint about bank of america I have been thru preditory lending and paying 2 insurance company 's for 3 years and I have XXXX XXXX and I was sent to fight the insurance company for the money back to give to bank of america which was very stressful.This t has caused us to fall back negitive in escrow. I have in writing and the housing councling at HuD XXXX XXXX XXXX XXXX XXXX that we were to pay {$900.00} a month and we had {$2300.00} in the positive for escrow they sent us letters saying our mortgage was {$580.00} and my husband and I got into a big argument about what to pay for mortgage so for four or five months he would only pay {$580.00} and we would be behind {$1500.00} in which we had XXXX in escrow at this point now we are in negitive again. The mortgage asked us to pay was supposed to be broken down into escrow and principle and the have been paying it all to principal only again causing us to be in negitive in escrow.bank has raised our mortgage to {$1000.00} killing us
Product: Credit reporting

I have no knowledge of this claim. I believe this is an inaccurate filing against me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im resubmitting 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 any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking 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. 

XXXX XXXX Balance Owed : {$410.00} ; XXXX XXXX Balance Owed : {$1100.00} ; XXXX XXXX XXXX Balance Owed : {$150.00} ; XXXX XXXX Balance Owed : {$380.00} ; XXXX XXXXXXXX XXXX XXXX Balance Owed : {$1600.00} XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Date Updated : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ; XXXX XX/XX/XXXX ; XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XXXX XX/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: Debt collection

I noticed that on XXXX/XXXX/2016 when my credit updated for the week with XXXX a new collection account was added to my XXXX credit report. I do n't owe this account nor have I had a credit card with XXXX XXXX. I never got notice of this. This was added falsely.
Product: Checking or savings account

I discovered that my Citi Bank account had been closed without prior notice or justification.Citibank is currently holding over {$76000.00} USD of my funds without providing any clear reason or resolution.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I looked at my XXXX XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generall, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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

I am writing to express my deep concern regarding the late opening of accounts with your company. As a valued customer, I have always appreciated the quality of service and products provided by Credit Bureaus, but recent delays in account processing have been significantly inconvenient and frustrating. 

I submitted applications to open accounts with your company, providing all required documentation and fulfilling necessary formalities promptly. However, to my dismay, I have yet to receive confirmation of the account openings, despite the considerable time that has passed since my initial submission. 

These delays have not only disrupted my operations but have also caused financial implications for my business. I rely on timely access to accounts with your company to facilitate smooth transactions and maintain a healthy business relationship. The prolonged processing time is unacceptable and has tarnished my perception of your company 's reliability and efficiency. 

I urge you to address this matter with the utmost urgency and expedite the processing of my account openings. Prompt action to rectify this situation will demonstrate your commitment to customer satisfaction and help restore my confidence in your services. 

Please provide me with a concrete timeline for the completion of this process and any necessary steps I can take to expedite the resolution. Additionally, I would appreciate regular updates on the status of my account openings until they are finalized. 

Thank you for your attention to this matter. I trust that you will take the necessary steps to resolve this issue promptly and prevent similar occurrences in the future. I am asking for your assisstance to correct these fraud items in my credit file : XXXX XXXXXXXX Balance : {$1800.00} ; XXXX XXXX XXXX Balance : {$10000.00}.
Product: Debt collection

I Have always maintained perfect repayment history with all my creditors. I recently applied for a line of credit and was denied due to a negative account on my credit report. I got my report and found an unfamiliar account stating that I owned {$360.00} to XXXX a home security company. I called the company directly to dispute this charge, stating that I had not signed or authorized any contract agreeing to any home security system ; ever. I realized I was the victim of Identity theft and asked them to remove the charges and refrain from reporting this to the 3 credit Bureaus. The company XXXX refused to remove the charges even after a dispute from XXXX Credit Bureau. Because this company has no signature or valid authorization, I am seeking help from the CFPB to assist with this discrepancy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am grateful that you took the effort to CORRECT some of the data in my credit report, but there are still some items that require updating or deletions. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). These disputed items should be corrected immediately : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

I have been in an on going situation with Dyck O'Neal for debt collection from a foreclosure I had in RI. I purchased the home in XXXX of XXXX with a mortgage secured by XXXX, the mortgage was then assigned to XXXX XXXX. The home was foreclosed on on XXXX XXXX, XXXX. In XXXX of XXXX I received notice from Dyck O'Neal they were collecting the debt owed. Since then we have had a few conversations. On XXXX XXXX I returned a missed call from Dyck O'Neal and specifically asked them not to call my work number. Dyck O'Neal called my work number back that day. My supervisor has asked me numerous times why a debt collection company is calling looking for me at work.
Product: Student loan

Hi, I called EdFinancial on XX/XX/14 to request a refund of {$20000.00} as I received Pell grants in the past so I believe I would qualify for the full Biden-Harris forgiveness amount.

The agent said they put the request through, but I havent seen any requests or updates made on my account at EdFinancial or StudentAid.gov. Im upset because others were able to receive refunds and then loan forgiveness before the program was put on hold due to Republican challenges.

I cant get an answer from EdFinancial as to whether or not I will receive the refund, or even a timeline of WHEN I will find out if the refund would be approved or not. Ive called to check on the refund 3 times now, and they basically say the same thing which is basically nothing!

Even if the Biden-Harris debt relief program never goes through, I still need the refund due to not having a job currently. I used most of my XXXX money to pay off the {$80000.00} loan, and now wish I feel like I did myself no favors by doing the right thing! All I need is an answer or reasonable timeline regarding the refund, so I can plan my financial life. Theres no reason why EdFinancial keeps giving non-answers! 

Please help! 
XXXX XXXX
Product: Student loan

I have XXXX Stafford loans being serviced by Navient. These are my highest interest loans of all my student loans, so I have been paying extra money towards them in order to pay them off more quickly. On the navient website, when you pay extra, it gives you the option to select whether or not to advance your due date, just as every other loan servicer I have ever dealt with. I always select NOT to advance my due date and have the extra simply go towards the principle, however, they have been advancing my due date nonetheless- meaning that they have NOT been putting the extra money simply towards principle as I had intended, but using it as simply a payment towards the extra due date. Thus, they 've been making more money off of interest payments by not allowing me to pay down my principle as quickly as I have been trying. When I emailed them about this, their response was as follows " ... Please note that each payment received will advance the due date by one month if it equals the minimum due, even if you request to not advance the due date, but it wo n't advance the due date more than one month. If you select online to not advance your due date and do n't want it advanced by the one month that it will automatically advance, then you will need to send us an email after each payment is submitted with your specific payment instructions ... '' I find this extremely misleading, and purposefully so. I also feel they are making this process much more difficult then it needs to be. I have several student loans, serviced by several other large lenders ( XXXX, XXXX, etc ), and none of them are this complicated.
Product: Debt collection

this was from XXXX which was a part of my XXXX bill. they 're stating that when i moved even though the service remained in my name and i still have aep they were not able to collect the amount from me. this information is erroneous.XXXX continued to bill me for my electricity but unforunately XXXX did want to remain my energy provider once i moved.
Product: Debt collection

I am a victim of identity theft. by FCRA LAW you must remove these fraudulent accounts after 4 days of receiving this XX/XX/2021. I certify that this request to block was made NOT in error, and My request to block information was NOT based on a material misrepresentation, and I DID NOT knowingly obtain or should have known that I obtained possession of goods, services, or moneys as a result of one or more of the transactions that I am seeking to block.If I received good and services, then please have a senior executive certify under the penalty of perjury that I in fact received good and services as a result of this transaction in writing under 15 USC 1681B ( a ) ( 2 ). also there are inaccuracies in the reported late payments according to 15 U.S. Code 1666b. Timing of payments, FDCPA 807 misleading false reporting, FDCPA 8012 furnishing deceptive forms, and also the CARES FORBEARANCE ACT. there are literally too many violations to name. please address this immediately.
Product: Credit reporting 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 Names # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States Ihave 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..