23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

XX/XX/XXXX - I received a Statement/Bill for my Bank of America account XXXX ending in XXXX ) in the amount of {$1100.00}, which is correct. The payment was due on XX/XX/XXXX. 
XX/XX/XXXX - I applied my {$1100.00} of my REWARDS dollar value to this balance. 

The transfer of {$1100.00} and credit to my account was confirmed through their website.

On XX/XX/XXXX I checked my account on Bank of America 's website. It showed the Statement AmounXXXX of {$1100.00} and the subsequent transfer of {$1100.00} in REWARDS funds. However, it also showed a 'MINIMUM PAYMENT DUE ' of {$2.00}. 

I called the Bank of America support line to ask about this {$2.00} charge. I was transferred to a supervisor 'XXXX  XXXX who confirmed that my REWARDS transfer was the same amount as the Statement Balance, however there was a {$2.00} charge due for using the REWARDS funds to pay off the balance. When I questioned this, I was transferred to a 'Credit Manager ' named XXXX ' XXXX After reviewing the account and the case details, XXXX informed me that the actual minimum payment due was not {$2.00} as XXXX had insisted, but {$25.00}, in spite of the {$0.00} balance. XXXX further indicated that if I did not make the {$25.00} payment, I would be charged an additional {$39.00} Late Fee. I believe this position change and the threats accompanying it to be punitive actions to punish me for questioning their charges and insisting on sp [ eaking to a Manager.
Product: Checking or savings account

On XX/XX/2022, Wells Fargo alerted me of a returned check that I had not seen/known of. As of XX/XX/XXXX XXXXXXXX XXXX i had $ XXXX in my savings, and a little over {$400.00}. I woke up to being in the negative, $ XXXX under. I called and put in a claim to the department, from the information they gave me I reviewed my history. According to the history, there had been deposits and withdrawals that needed no approval ( 7 months prior ), unaware to my knowledge. The claims department said an investigation will be done, and to send any other claims of fraud in. The check submitted in the picture is the one in question, and not from the company I work for. My account is still in the negative, provisions were not accommodated. I do not have checks, i do not use checks, Wells Fargo should know that as I have banked with them for almost a decade ; I have never used checks
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX, and this is not a third party I am filing this complaint myself. Attached you will find several Fraudulent & Inaccurate accounts being reported on my consumer report. I am disputing the accuracy of those mentioned accounts as well as the Incompleteness of the rest. And the other accounts are Fraudulent. Please see attached.
Product: Credit reporting or other personal consumer reports

I have tried contacting this company about this account, my identity was compromised. To remove these fraudulent account off my report, i even tried to pay it off it still there. 

XXXX XXXX XXXX XXXX
Product: Credit card

NAV took monies from my account and locked it so now I can't use my own money.

I've had a refund coming from a merchant and NAV took that refund and stored it as a credit on their side instead of returning it to my linked bank account where they took it from in the beginning.

Nav refused to do anything. I had another refund come in and now they just took that money and kept it, then locked my credit card so I can't use it.

Nav excuse is that my account needs to be relinked from " their trusted '' partner XXXX, which XXXX now don't want to link the account, and their lie is username from bank can't be verified all of a sudden, which is a lie. 
So, now Nav don't want to refund the refunds I have that they took upon themselves to store as a credit which I didn't ask for even before they stolen and locked my card. 

Now, nobody wants to talk to me, and they use another lie saying they can't verify my identity, and they want to verify theirs with me when they call, so they use that as am escape goat to not handle the situation from their apparent fraud. 

All this scam company had to do in the first place is not hold people 's money and return the transaction back to the original method, which was my linked bank account. 

So, the question now is, if you can't identify me, how was this account even opened. 
And most importantly, you're not contacting the real owner, why isn't the account restored back to its whole form and you release my money and close it. 

So, as you see, this is a scam, especially when the company don't even have a phone number so people can call them, they get slick and gives you XXXX 's number and not their number. Nav also don't have any physical locations nor other real business-related communication.
Product: Credit reporting, credit repair services, or other personal consumer reports

The inquiries are as follows : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

I was a victim of identity theft and there were XXXX accounts involved. I did not know of this till XX/XX/XXXX when my mother became ill and passed away I did a re-fianc on the home left to me. Upon running a credit check I found these XXXX accounts that were not mine and I started checking into and filed a fraud statement with all the creditors. I received 11 letters from the agencies releasing me from the debt and they were removed from by credit profile. I never received a letter from Security Credit Services but they did take it off my credit profile and I never heard form the again. In XX/XX/XXXX the closing date for my I home I learned that they had a lien on my home. I was upset as in the 3 years since I worked on this I never heard from them. On XX/XX/XXXX the fraud paperwork was sent to them and I learned that on XX/XX/XXXX Security Credit Services Sold this account to another agency and never released the lien in their name on my home. Since XX/XX/XXXX I have reached out to Security Credit Services by mail, fax and phone. I spoke once to a XXXX XXXX that was suppose to look into it and call me back but never did, my mail and calls after that were never responded to. Yesterday I was finally able to talk to a XXXX and explained the situation. I explained that it is not fair that they have a lien on my home for an account that they do not own. That statement was ignored. I asked for the owner who is XXXX XXXX but was told she is on vacation.
Product: Credit reporting or other personal consumer reports

There is currently a default on my credit report for XXXX dollars. This credit card was not mine and I have no knowledge of the card. I never signed any forms agreeing to ownership of the credit card. I told chase this many times and it was taken off of my credit report. Magically a payment was made which was not from me which they then put it back on my credit and told me I must have made the payment. I opened up a case with the government for indenity theft and this was not the only item I had to get taken care of. This is the only bank that is unwilling to help and realize I am the victim here. 

Chase has a real issue on their hands
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 i sent letters to inquire about inaccuracies and asked if they be removed.
Product: Debt collection

Today XX/XX/XXXX XXXX, I ( XXXX XXXX ) was contacted by a representative of Midland Credit Management to let me know legal action would be taken to collect debt that was only recently brought to my attention. I go to look about this debt and have found it was sold to them from XXXX XXXX, further investigation found the account opened in XXXX, not by me, but by my mother XXXX XXXX. Found she was listed on my credit report as secondary name, since put in a report to have her name removed from the credit report. My name is also spelled wrong, which i also put in a dispute for. I am not the owner of this debt, i am not the account owner nor do i have access to the account. I do not have a XXXX XXXX card nor have i ever. Please let me know the action i need to take to prove this. 
In XXXX i was a XXXX in XXXX living off of my XXXX refund, no access to a card at all. this is impacting me and my life negatively and the contacting from collection agencies i feel are harassing me.
Product: Credit reporting or other personal consumer reports

Started a dispute with Transunion on XX/XX/2023 and was completed on XX/XX/2023, file id XXXX. Results state investigation and not reinvestigation. Results show XXXX item was deleted. Remaining items show in capital letters " VERIFIED AS ACCURATE ''. I have not received correspondence from investigation methods within 5 days of completion. Items on report are still inaccurate. Transunion is still out of compliance with federal law. Items must be deleted.
Product: Student loan

I attended a XXXX XXXX  and paid for it with a loan from climb credit. I am currently furloughed because of COVID-19 and I wanted to defer my loan.

They told me I that theyre deferral option is to pay a smaller monthly payment but that isnt a deferral. Deferment is to make no payments. Climb has their own definition of what deferment means and they have a deferral policy that allows me to defer payments for 6 months during the life of the loan.

According to the law and the English dictionary, deferment means no payments. They are trying to force me to pay when I have no money and will not allow me to defer payments like I thought I would be able to. 

I took the loan with a clear understanding of what a deferment means and they have completely blindsided me with their own made up definition of a deferral. This isnt what I agreed to when I took the loan. They cant make their own definition of what a deferment means. 

Please help me with this. These people are trying to take advantage of me and I wont allow it to happen. 

The loan is for $ XXXX and it was disbursed in XX/XX/2019.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX SS XXXX I have several unknown addresses and inaccurate fileinformation thatneeds to be updated properly. My current and only address is XXXX XXXX XXXX XXXX, OH XXXX. Please delete all other unknown addressesthey are not correct. XXXX following addresses are not mines : XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX,, XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX. Please remove the extra name from mycredit report. According to 12 CFRPart1022 ( Regulation V ) requires furnishers to : Furnish information concerningaccounts or other relationships with a consumer thathas integrity. Furnishinformation about accounts or other relationships with aconsumer that is accurate. C- Conduct reasonable investigations of consumerdisputes According to CRRG, inorder to make a lawful report, you must follow theXXXX XXXX  compliance standards.
Product: Credit reporting or other personal consumer reports

I received a notification from my credit monitoring app that there was a hard inquiry on my account from a creditor that I did not initiate. 
XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX, ( XXXX ) XXXX. I did not recognize this company, I tried calling number associated and the first thing they asked for was my social security # and there where no other menu options so I hung up. I did not think this was reputable and then I continued to freeze my credit and dispute this hard inquiry through you. All this happened XX/XX/2024 around XXXX XXXX
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX Date of Inquiry XX/XX/2023, XXXX XXXX XXXX Date of Inquiry XX/XX/2023, XXXXXXXX XXXX  Date of Inquiry XX/XX/2023, XXXX Date of Inquiry XX/XX/2023, XXXX XXXX  Date of Inquiry XX/XX/2023, XXXX XXXX Date of Inquiry XX/XX/2023, XXXX Date of Inquiry XX/XX/2023, XXXX Date of Inquiry XX/XX/2023, XXXX Date of Inquiry XX/XX/2023, XXXXXXXX Date of Inquiry XX/XX/2023, XXXX Date of Inquiry XX/XX/2023, XXXX Date of Inquiry XX/XX/2023, XXXX  Date of Inquiry XX/XX/2023, XXXX Date of Inquiry XX/XX/2023, XXXX  Date of Inquiry XX/XX/2023, XXXX  Date of Inquiry XX/XX/2023, XXXX Date of Inquiry XX/XX/2023, XXXX Date of Inquiry XX/XX/2023, XXXXXXXX XXXX  Date of Inquiry XX/XX/2023XXXX XXXX XXXX Date of Inquiry XX/XX/2023, XXXX XXXX XXXX  Date of Inquiry XX/XX/2023, XXXX XXXX XXXX Date of Inquiry XX/XX/2023 XXXX XXXXXXXX XXXX  Date of Inquiry XX/XX/2023, XXXX XXXX Date of Inquiry XX/XX/2023 & XXXX XXXXXXXX XXXX XXXXXXXX Date of Inquiry XX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXXXXXX XXXX  - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately XXXX - XXXX - This is not mine - this belonged to a patient who is no longer living. Remove this from my report. - As a consumer by law this account must be deleted immediately. 
This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately XXXX XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately XXXX XXXX XXXX XXXX XXXXXXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative 1 of 2 account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately XXXX XXXX - XXXX - Under 15 USC 1666B this is a billing error LAst reported date and Date last Active is reported inaccurately across all XXXX bureaus this account in violation - please update late payment all payment was made on time XXXX XXXX XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Against XXXX XXXX XXXX XXXX for Violation of Texas Finance Code and Inaccurate Credit Reporting.

I am writing to file a formal complaint against XXXX XXXX XXXX XXXX for potential violations of the Texas Finance Code, specifically Chapter 392 related to debt collection and the surety bond requirement as outlined in Section 392.101. Additionally, I would like to address the specific inaccuracies in the credit reporting practices by XXXX XXXX XXXX XXXX on my TransUnion credit reports.

According to Section 392.101 of the Texas Finance Code, a third-party debt collector or credit bureau is prohibited from engaging in debt collection activities unless they have obtained a surety bond issued by a surety company authorized to do business in the state. The bond must be in favor of any person who is damaged by a violation of the chapter and the state for the benefit of any person who is damaged by a violation of the chapter. Furthermore, the bond must be in the amount of {$10000.00}. 

I demand that XXXX XXXX XXXX XXXX provide proof of the surety bond required by Section 392.101 of the Texas Finance Code to collect on this debt and report this account to the credit bureaus. Additionally, I demand that this account be deleted for inaccurate reporting. The following specific inaccuracies are present in the credit reporting by XXXX XXXX XXXX XXXX on my TransUnion credit reports : The payment status of the account is showing as 30 days late, despite the payment history from XX/XX/year> to XX/XX/year> indicating that the account was never late. ( See attached documents ) These inaccuracies are damaging my credit score and financial reputation, and I request immediate correction and deletion of this inaccurate information. 

Furthermore, I believe that XXXX XXXX XXXX XXXX and TransUnion may be violating several federal laws by continuing to report conflicting and inaccurate information on this account after it has been disputed. These potential violations may include but are not limited to the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

I urge the Consumer Financial Protection Bureau to investigate XXXX XXXX XXXX XXXX and TransUnion for potential violations of federal laws and inaccurate credit reporting practices. I request that appropriate enforcement actions be taken to rectify the situation and protect consumers ' rights. Despite multiple disputes raised with TransUnion and XXXX XXXX XXXX XXXX, the inaccuracies persist, highlighting the urgent need for corrective action and accountability in accordance with consumer protection regulations. 

I have attached relevant documents and information to support my complaint. Please feel free to contact me if you require any further details. 

Thank you for your attention to this matter.
Product: Credit card or prepaid card

I had previously filed a complaint on Fortivia to the CFPB your file # XXXX. The company that they are providing financing for XXXX XXXX XXXX, their client did work without licenses, inspections or permits. They are aware that the contract that they are trying to collect on is void. I contacted them on XXXX XXXX letter. Fortivia has failed to remove this amount from my credit and close the account They were notified last year that the card was opened under fraudulent conditions and fortivia has refused to do their due dilligence to relive me from this debt.Fortivia and XXXX XXXX XXXX  are being investigated by State of Ct Dept of Attorney General XXXX
Product: Credit card or prepaid card

I contacted aAdvantage in regards to late fees charged on my account in XXXX. They had not sent the statements to me and I had a purchase of {$25.00} dollars for checking in a bag at the airport. Citi assured me that they would reverse the fee and send a new statement. I updated my email at the time. I checked back now in XXXX and they had not reversed the late fees. I ended up paying the balance off today XXXX and contacted them to reverse the late fees again. They said it had been a couple of months so they can not reverse the previous late fee but will refund me {$35.00}. I asked for a confirmation number and they said it was emailed. I asked the attendant to stay on the line and checked my email but did not receive a confirmation number. When I asked the attendant about it she said it was sent via regular mail. I asked to speak to supervisor to get a confirmation number over the phone at which point the line cut off. I am going to cancel the card as I am not impressed by the service. I wanted to ensure that I do not keep getting charged late fees for what I have already paid for. In total my bag check in of {$25.00} dollars has cost me XXXX for XXXX to XXXX = XXXX. I think this is unfair and Citi should take responsibility. I always pay my cards on time and this card and service seem to be a problem.
Product: Debt collection

I keep receiving debt collection notices and threats of being sued by XXXX XXXX for a medical debt that services were never received for. I have told XXXX XXXX  I am not paying this debt because my daughter never received braces from them, after their numerous reschedules due to not having enough trucks or staff. On XX/XX/19 I received a letter from Stillman Law Office, attempting to collect a debt on their behalf. There is nothing to collect! My daughter never received treatment from this facility! They are trying to charge me for services not rendered!
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

AS OF XX/XX/2018, I'VE BEEN TRYING TO REPAIR MY CREDIT REPORT FOR ALL THREE CREDIT BUREAU. I GOT A HARD INQUIRY FOR A COMPANY I DON'T KNOW ANYTHING ABOUT. I NEVER APPLIED FOR A CREDIT CARD OR ANYTHING WITH THE AIRLINES. THE COMPANY IS CALLED XXXX/XXXX XXXX XXXX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX. The balance reflecting on my XXXX XXXX Credit Card Account XXXX is not accurate and does not reflect the recent update. Please update account to reflect accurate balance. I have attached supporting documents for this claim.
Product: Money transfer, virtual currency, or money service

I have made the international transfer on XX/XX/2021 via XXXX for the sum of XXXX USD plus a XXXX USD transfer fee total of XXXX USD, Recipient never recived the money, I contact the XXXX they stated it is completed and they transfer it to their third party partner they will check with them and get back with me been a month after that I contact Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX and they investigate. XXXX XXXX again its completed and they transfer to their third party partner, Bank XXXX XXXX says they cant dispute and please contact XXXX to resolve the issue I called XXXX again they said they can't help me so I contact Bank XXXX XXXX again so and referred my to the consumer financial protection bureau now I am in a situation I lost the money