23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

Please reference complaint number XXXX. 

XXXX XXXX XXXX in their response stated having submitted a request to suppression of a late reporting in XXXX XXXX on my personal credit bureau report. For a period of time this 30 day late was suppressed, however it is reporting again. Could you XXXX XXXX XXXX please re-send the same suppression to the CRAs for the same period as they had done so before as I believe this will relieve part of my complaint with XXXX? 

Regarding the late reporting showing on XXXX XXXX. This was a time period of extreme weather that impacted the processing of payments and deposits sent and received in this area. Roads were closed in some cases for several days and bank branches were unable to open. It is normal for creditors to waive late payment reporting in cases of extreme weather events and natural disasters. Could XXXX XXXX XXXX please suppress this 30 day credit item from my report on that basis?
Product: Student loan

They are charging me for my XXXX XXXX  direct loans while I still have 1 semester left before I graduate. They did not even give me a grace period of 6 months on them which was also agreed upon in the contract with financial aid. I should not be getting charged on my graduate loans at all at this time. They took money to pay my graduate loans through direct deposit of my bank account which I did not authorize. They illegally took a total of XXXX in 2 payments under the alias of Dept of Education on XX/XX/XXXX and XX/XX/XXXX to pay the graduate loans without my consent as I didn't even have autopay setup with them. The woman I talked to told me they won't refund me the money. I am now in a bad financial situation and still have 1 semester of XXXX  left to graduate. They have another payment of XXXX scheduled on XX/XX/XXXX which I will not be able to afford. They never even contacted me with any correspondence regarding the status of the loans or payments. How can I finish my degree and graduate if they are fraudulently collecting money from my bank account against my consent and charging me for graduate loans I shouldn't be getting charged on at this time. 
I am concerned regarding them handling my loans with their fraudulent practices and poor communication.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not realize the Equifax had been compromise. I believe my ssn has been compromised. I checked on their website on XXXX XXXX and it said I may be at risk. I did not give them permission to release me private data.
Product: Credit reporting or other personal consumer reports

This is my third endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX 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

I am trying to correct misinformation that is being reported on my credit report and Experian keeps sending me emails and/or letters stating the following : We received a recent request regarding your credit information that does not appear to have been sent directly by you or to be authorized by you. As a precautionary measure, we have not taken any action on your alleged request. According to the federal Fair Credit Reporting Act, " if the completeness or accuracy of any item of information contained in a consumers file at a national consumer credit reporting company is disputed by the consumer and the consumer notifies the company directly of such dispute, the company shall re-investigate free of charge. '' I have responded to Experian each time verifying my identity and submitting my dispute of the inaccurate information they continue to report without correcting it. My research on the CFPB website and on the Fair Credit Reporting Act states they have to investigate and respond within 30 days yet, this is not happening. Instead the keep sending these letters to avoid doing the investigations. If my rights are protected by the FCRA, how are they allowed to get away with this?
Product: Checking or savings account

Prior to a refund with amazon I had an available balance of XXXX in my chase account amazon refunded my money and chase made my available balance of XXXX disappear so the only money I had in my account after the refund of XXXX dollars from amazon but my availability balance that was there already wasnt reflected to my account only the XXXX
Product: Mortgage

The bank double submitted online payments this has happened twice without my authorization I requested the XXXX payment be funded right away its been almost a week and are holding my funds this is causing a financial hardship and draining my savings they keep saying their working on it. This is not ok
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Acceptance is reporting late notations on my credit file for XX/XX/21, XX/XX/21, XX/XX/21 that need to be removed. Due to Covid, I lost some work that I relied on financially, and that really impacted me. I have an account with them for my auto loan and due to Covid, I called in to see what I could do because I was having some trouble paying the full amount. When I called they told me that I could have a payment arrangement set up for my hardship that would lower my payment by XXXX. I thought that was great until I looked at my credit. They never told me that with this arrangement, my account would be delinquent due to lesser payment, If I had known that I would have late payments, I would have never made that payment arrangement, I would have found a way to pay the full amount instead. So now I am screwed because the rep failed to explain the details of this arrangement. Upon finding out I paid it to bring the account up to date and am now making my full payment instead so it wasn't much of a help.
Product: Mortgage

I have been contacting Village Capital and Investment since XX/XX/XXXX to provide the payment verification they sent to HUD to pay off a partial Claim from 2 years ago. 
This mortgage was paid off in XX/XX/XXXX. This was an FHA mortgage with a HUD Partial claim included in the mortgage. 
The payoff that Village Capital and Investment received back in XX/XX/XXXX included the hud partial claim amount of & XXXX. Village Capitaland Investment paid off their portion of the mortgage and sent me a lien release that the mortgage had been paid off. 
I contacted HUD for a release and they informed me the partial claim is still open, the lien is still on my property and they never received the payoff from Village Capital and Investment. I have been trying to get someone from Village Capital to tell me where the {$10.00}, XXXX went because it was not sent to HUD as the lien is still listed as open and unpaid lien on my property. 
The closing happened over 2 years ago and Village Capital and Investment never sent HUD the money to close this partial lien claim. 
I need Village Capital and Investment to pay HUD the money I paid Village Capital and Investment on their behalf.
Product: Mortgage

Huntington closed out my HELOC without my knowledge. I have talked to the branch where they confirmed they have in the system I talked with a representative and told them I wanted to keep the HELOC open. I went to close on a house and they told me it wasn't available. The representative also said they don't have anything on file where my wife or I requested for it to be closed. I have been waiting on a response but the local branch can't get an answer from corporate.
Product: Debt collection

A company calling themselves XXXX XXXX XXXX contacted me about a very old credit card debt, long gone from my credit report, perhaps 9-12 years old. They said I was going to get served for court and face charges if I didn't pay. As it turns out they are trying to collect on the very same old debt another company just got me to pay off. I believe I have been scammed. Now this second company keeps calling my cellphone, my work phone and my mothers phone. They know my address and other information as well. A man who is calling himself " Investigator XXXX '' keeps calling me at work. Initially I did speak with him and he was telling me I Need to reverse the charges with the other company and submit payment to them instead. The first company, the one I did pay is calling themselves XXXX XXXX XXXX XXXX. I will be filing a report about them as well because they too appear to be using illegal tactics. 
I am going to see an attorney regarding both companies next week
Product: Debt collection

( 4 XXXX XXXX XXXX XXXX were purchased through XXXX XXXX under fraudulent/ Identity theft premises in the amount of {$4500.00}. ( 3 ) Purchases were made on two different dates ( XX/XX/XXXX & XXXX ) at two different locations ( XXXX  XXXX & XXXX, XXXX  ) at XXXX XXXX stores.
Product: Checking or savings account

XX/XX/2021 I noticed {$2000.00} missing from my savings account with Chase Bank. I've been to a Chase office on 3 separate occasions and opened up claims with Branch Managers and 2 claims over the phone with no resolution. I've been diligently saving money for a new car, I was done saving as much as I could on XX/XX/2021 at which time I saved {$8000.00}. All of my transfers were from my Chase Checking account directly into my Chase Savings account via Chase Mobile App. The history of some of my mobile app transfers is missing and it only shows my balance reaching {$6000.00}. All of the Branch Managers say the same thing, your balance was not greater than {$6000.00}. There is suspicious activity in XXXX showing amounts I never processed. I went into XXXX Branch on XXXX XXXX on Sat XX/XX/XXXX, I went into XXXX Branch the following week after the initial claim was not resolved. I received a letter from a claim opened over the phone for {$2000.00} which I am attaching to this complaint. Today I went into the XXXX XXXX Branch and this counts as my 3rd branch visit. I purchased cashiers checks for the balance in my savings acct for {$3000.00} & {$3000.00} since I didnt want to lose any more money from my Chase Savings account.
Product: Credit card

I basically was offered this XXXXXXXXwhich was XXXXXXXXpoints for signing up with Citibank and spending {$1000.00} in 3 months or less after me opening an account. I have repeatedly contact both XXXX XXXX and Citibank for 2 months now and they keep blaming XXXX another. Nobody seems to care to honor their offer.
Product: Credit reporting, credit repair services, or other personal consumer reports

this account is not mine and needs to be removed i have contacted the company and they fail to remove both accounts also the other tidewater car loan i had for 6 years and the starting balance was XXXX in five years they said i only paid XXXX dollars which is false and they repo my car
Product: Checking or savings account

On XX/XX/18, I opened a Huntington 5 Interest checking account with Huntington Bank via the following link : https : //www.huntington.com/aXXXX. 

The bank advertised a {$300.00} bonus on this site by meeting these conditions : " Start by opening a new Huntington 5 Checking checking account by XX/XX/2018, then make deposits of at least {$2000.00} into your checking account within 60 days of account opening. Your bonus will be deposited into your new checking account within 14 days of meeting the above requirements. '' During account opening, I was asked for a promo code, but the website did not list one or state that such a code was needed for this bonus ( see attached screenshot of webpage ). Thus I did not enter a promo code. 

I was concerned that this bonus may not be attached to my account, so I used the online chat feature on XX/XX/18 to speak to a representative. Representative XXXX told me, " Just by opening the correct account through that promo page should automatically make the account eligible for the bonus. '' ( See attached for complete conversation. ) I then deposited {$2000.00} into the account on XX/XX/18. 

On XX/XX/18, I still had not received the stated bonus, so I again chatted with a representative, XXXX. She told me that a promotion code was required, contrary to what XXXX told me previously. She indicated the following, " We did not know that a flyer was needed until the end of XXXX. It was not something we were told. The site was created just for the flyer and was not made to go viral for the promotion. I will submit a complaint with the chat that has it being stated that as long as it was opened the code would be applied. '' Thus, even the bank representatives did not know that a promo code was needed for this offer, so how was I to know? 

XXXX submitted the complaint for me as referenced above. 

On XX/XX/18, I received a phone call from XXXX, who informed me that the bank reviewed my complaint but refused to honor the promotion because I did not enter a code. I reiterated the fact that no code was stated as required on their own offer page, but she again refused to honor the terms of this bonus.
Product: Consumer Loan

I 've already filed a complaint with you against Regional Acceptance Corp of North Carolina. All I want to do is lower my monthly payments to {$250.00}. a month or less. They tell me they ca n't do it.
Product: Bank account or service

My wife and I were vacationing in XXXX XXXX XXXX for the 1st time XX/XX/XXXX. We attended a presentation for XXXX XXXX on Monday, XX/XX/XXXX and purchased a timeshare. The next day we were at the marina and speaking with someone at a booth. He sold different excursions like for fishing trips and such. Of course, he asked us we had been to any presentations and we said yes and told him we had purchased a timeshare at XXXX XXXX. We also told him we were having second thoughts about the purchase. He told us that by law we had 5 days to cancel. He also told us he could set us up at another presentation with a vacation club and they would purchase our timeshare and we would be able to have a membership and save a lot of money. We looked at our contract for XXXX XXXX and discovered that we in fact did have 5 days to cancel. Well, we should have just cancelled. Instead, the next morning we went to the presentation at a place called XXXX. This is a very nice area of XXXX with beautiful home overlooking XXXX. We were taken in a taxi to a very nice home. We were greeted by a very nice and professional looking woman who sat down with us and asked us to show her our identification and a credit card. This seem like a standard procedure as this happened when we went to XXXX XXXX. She proceeded to ask us a few questions and then introduced us to a gentleman by the name of XXXX. At this point, we are not sure if this is his real name. He started explaining to us how this vacation club called " XXXX '' would allow us the flexibility to use our money for a variety of different types of vacations. He told us that he would purchase our XXXX XXXX timeshare and we did not have to cancel. He told us that what we paid to XXXX XXXX would be applied to our vacation club membership. It all sounded too good to be true and as part of becoming members we would receive a two week vacation for XXXX. He wanted us to pay {$8000.00} but we told him that we could not. So, agreed to pay {$4000.00} and finance {$4000.00} for 12 months beginning XXXX XXXX, XXXX. He gave us the paperwork to look over and we had breakfast outside on the patio of this home overlooking a beautiful pool. We paid him {$4000.00} with a debit card. 
Last month we started getting emails from XXXX XXXX about our account. I finally called XXXX last Friday and learned that our timeshare had not been purchased or transferred. I looked at my paperwork for XXXX and called the toll free number. It is not a valid number. I called so called XXXX 's cell number. It is not a good number. I sent an email to XXXX and XXXX and both bounced back as invalid email addresses. Basically, all the information given to us was fake. A total scam. We have contacted our bank and are hoping to get the money bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent out via certified mail to creditors that showed inquiries on my credit report that were not authorized by me. Dozens of letters and I received back the postage that they were all signed for and had been relieved by XX/XX/XXXX. I did not hear from any of them. I then sent a letter to the credit bureaus. I wanted longer than 30 days and on XX/XX/XXXX sent of via ferried mail, letter to each of the 3 credit bureaus. All 3 received by XX/XX/XXXX. I have yet to hear back and when I called today, all 3 customer service reps stated that they could not help me.
Product: Credit card or prepaid card

I had a credit  card with Capitol one that  I p aid off every two we eks to build my credit. On  XXXX   XXXX   XXXX  I went into the hospital to   XXXX   XXXX   XXXX  . I  XXXX   XXXX  times. I was  XXXX   XXXX  time. I   XXXX   XXXX   XXXX   and needed  XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   and my family was told I was n't going to make it. Then I was airlifted to another hospital where I spent over a month getting   XXXX   XXXX   XXXX   XXXX    XXXX . After they came back and I was released it took months after being in the hospital to get as close to with it as I can. In  XXXX  of  XXXX  I paid my credit card off in full. They told me they had closed my account and I was unable to use my credit card anymore. I felt so discriminated against because of my health issues. I tried to work with them but they turned me away. I am currently filing f or SSI and have documentation to prove all stated in my letter here to you. I would like my credit card updated. Closed from consumer, and all delinquencies removed. I appreciate your time in this very important matter and hope to get a response soon. Thank you Sincerely
Product: Money transfer, virtual currency, or money service

So I accidentally created a fraudulent dispute on a purchase that I made with a company called XXXX XXXX XXXX, and it was strictly human mistake and error on my part, when I realized this I immediately contacted XXXX credit karma to cancel my dispute and they then took the XXXX XXXX I had paid XXXX XXXX XXXX months before I accidentally created this dispute for a license and account, out of my banking account and I have asked numerous and numerous probably over XXXX emails in the past XXXX weeks of where my money went to because I need back into the account I bought with XXXX XXXX XXXX and they have since blocked my account with them until it shows as chargeback resolved which credit karma told me in proof that no further action needed and The dispute WASNT denied, I specifically canceled it ON MY OWN, so therefore the money was supposed to go back to this merchant and chargeback closed and credit karma has told me they can not give me information of where my money is, and theres no phone representative that has a clue of what they are talking about and I have called a count of XXXX times and it just never seems to get resolved so if they can not do this and provide me DOCUMENTED PROOF that my XXXX XXXX  of my CANCELED dispute per my request was sent back to the merchant, I will be taking this credit karma team and bank to a summons to court.
Product: Payday loan, title loan, personal loan, or advance loan

This company is trying to do a wage deduction for a loan I didnt even apply for, someone is taking out loans in my name. I need to report fraud.
Product: Credit card or prepaid card

Around XX/XX/XXXX, Purchased some products on aliexpress.com with paypal.com credit card ( synchrony bank ). 


XXXX showed items were being tracked and delivered. And gave tracking number through multiple tracking services. Finally tracked through XXXX to showing delivered at my house on XX/XX/XXXX. This delivery never arrived. 


Around XX/XX/XXXX, Attempted to make claim through XXXX, through a convoluted system that was near impossible to properly dispute the delivery, they then immediately denied the claim. 


Around XX/XX/XXXX : Went to paypal credit to dispute the charges. 


Around XX/XX/XXXX Paypal Credit ( synchrony bank ) denied my claim. I still have no products, and am charged around {$320.00} for no products. 
Around that same time I called and disputed the denial. 


On XX/XX/XXXX I received a notice saying they denied the claim again. 
I still have no products, and am being charged for it. 


They want proof that I have no products, how can I prove that I don't have something!?
Product: Debt collection

I dislocated my shoulder on XXXX XXXX originally live in XXXX XXXX but I was at XXXX Nevada at the time to attend a martial arts event.I dislocated my shoulder doing a bench press at this event.I was taken to XXXX XXXX XXXX after the injury by a car from someone from that event.The hospital address was XXXX XXXX XXXX XXXX checked in the hospital.They took me the ER after less than 1 hour waiting I told the nurses that I had to leave because I had to go back to XXXX XXXXI was dismissed from the hospital.I went to another hospital in XXXX XXXX instead to fix my shoulder.I never got my shoulder fix from XXXX XXXX XXXXMonths later I get 2 bills from XXXX XXXX XXXXone XXXX $ and XXXX $ .I tried negotiating the price, feeling that I was being overcharged.They refuse to negotiate with me.Now they have sent me to collection agency.A bill collector is currently trying to contact me by letter.
Product: Credit reporting or other personal consumer reports

To whom it may concern : This document is my request for any information on my delinquency or derogatory behavior. I would like this information to be reported accurately and completely in accordance with all established laws and standards. I want any potential negative information to be confirmed. I want to know the absolute truth and facts about it, even if it is certified.You need to have a process for reporting which follows the XXXX XXXX data field formatted reporting standard. I don't think your report is accurate because of the claims in this complaint. I don't think your report is accurate.I challenge you to make a document that shows all of the evidence for each claim. The document should be verified as correct, complete, and true. You should be aware that, according to the XXXX  XXXX : " ANY DEVIATION OF THESE STANDARDS JEOPARDIZES THE INTEGRITY OF THE DATA ''. The report you sent me does not seem to be accurate. I am not sure if the reporting process was done correctly or if the format is correct. Because of this, I can not say that your claims are accurate. Even if the collection rights are still valid, which is not clear, your claims would not meet the minimum requirements for a legal and ethical report.The below-noted claims are disputed and have not been confirmed as facts.I am requesting that you remove any false accounts from my credit report. I only want factually accurate, verified, and compliant data documented on my credit report.