23daVinci/CFPB_Complaints huggingface dataset:
Product: Prepaid card

Rushcard promises two day early direct deposit. My dd usually comes no later than XXXX XXXX one day before my payday well still no money. And customer service has been unreachable for 3 days now. Yesterday I called XXXX times and was on hold XXXX to XXXX min a piece only to be hung up on. My online account access has been locked since XXXX since then I have not been able to reach customers service. I switched to another card company but still have XXXX more direct deposit coming from my job. I have to leave town for a job interview today and can not go because I have no money. I have XXXX kids and I need to feed them. This is no joke this is my hard earned cash I plan on obtaining XXXX attorney if I do n't hear anything by XXXX.
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Transunion Account in Question : CCB/PIERCE Account # XXXX Complaint Details : This complaint addresses Transunion violation XXXX the Fair Credit Reporting Act ( FCRA ) Section 611 ( B ) regarding the reinsertion of previously deleted material into my credit report. 
On XX/XX/year>, I discovered that the CCB/PIERCE account number XXXX, which had been previously removed from my credit report, was reinserted without proper notice or certification of accuracy. This action violates the FCRA requirements for reinsertions as outlined below : Failure to Obtain Certification of Accuracy : The FCRA mandates that any information previously deleted from a consumers file may not be reinserted unless the furnisher certifies that the information is complete and accurate. Transunion has failed to provide evidence that it obtained certification of accuracy from XXXX before reinserting this account.

Failure to Notify the Consumer : The FCRA requires that if any information previously deleted from a consumer 's file is reinserted, the consumer reporting agency must notify the consumer in writing within five ( 5 ) business days of the reinsertion. I did not receive any written notification from XXXX regarding the reinsertion of this account into my credit report. 


Failure to Provide Additional Information : The FCRA also mandates that the consumer reporting agency provide the following information within five ( 5 ) business days of reinsertion : A statement that the disputed information has been reinserted. 
The business name and address of any furnisher of information contacted. 
A notice that the consumer has the right to add a statement disputing the accuracy or completeness of the reinserted information. 
XXXX failed to provide any of this required information. 



Request for Resolution : Immediate removal of the XXXX account number XXXX from my credit report as its reinsertion violates FCRA Section 611 ( B ). 
Confirmation from XXXX that this account has been permanently deleted and will not be reinserted in the future without following the FCRA 's requirements. 
An investigation into Transunion failure to adhere to the FCRA guidelines for reinsertion and assurance that similar violations will not occur in the future. 

Escalation of Complaint : XXXX failure to comply with FCRA Section 611 ( B ) has caused significant harm to my credit profile and has violated my rights as a consumer. If this issue is not resolved promptly, I may pursue further actions, including legal recourse and additional complaints to other regulatory bodies. 
I request that the CFPB intervene to ensure that Transunion adheres to the FCRA and resolves this matter in a timely and compliant manner. 
Thank you for your assistance in addressing this serious issue. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I had a business account in which I got XXXX transfer sent to the account was taken. When I called in the first time I was told by a representative take they couldn't make money off my account and that they will be closing it. They gave me the run around the money that was sent to my account and said they would mail me a cashiers check. Then they made up an excuse saying that the money was sent back. They lied to me about everything.
Product: Credit reporting or other personal consumer reports

These inquiries are not authorized by me. I did not initiated these inquiries.
Product: Credit reporting

I do n't have a Sears card anymore, I did n't Renew it. Montgomery Wards was in a bankruptcy OVER 29 years ago. I have ONLY 1 credit card. A XXXX card. Not late on payments
Product: Debt collection

Two unknown accounts have appeared on my credit report. I dont know how they came or who debts they are but they arent mine. I have sent letters to reinvestigate the problem and have yet to receive any response. these unauthorized/unverified accounts are affecting my insurance rates and I need them gone. On XX/XX/2021 I sent 609 letter to Transunion to show them the unverified accounts and asked them to remove them if cant verify. No actions was taken. So XX/XX/2021 I sent i sent another letter, informing them its been 30 days without a response and by law they have to remove or else I will be contacting the CFPB. Still no actions have been taken. Please help me as these are affecting my insurance rates.
Product: Debt collection

The company 's name is Portfolio Recovery Associates, the name of the personnis XXXX XXXX, they called me on my cell phone on Sunday at XXXX hours with threats. This is unacceptable. I have no idea who these people are, this is a cell phone and I thought they were forbidden to call on Sundays and cell phones.
Product: Credit card

Discover card is deleting records that can disprove the balances owed on their accounts. After 10 years of paying about {$200.00} a month on my account there is no reduction in my balance. I began to research this account to find out what the initial balance was as well as an accounting of how and what charges was I still paying for but was unable to find that information out because those records were inaccessible. I was lulled into trusting discover When I began this investigation I pulled up records that showed a beginning balance but no purchases only an unchanging balance. My credit limit is higher but I do n't understand how I arrived at the current balance. I saved the statements that were available at first but when I went back to review them a few days later they were not available. I reported this to XXXX. But got nowhere. For the last four years I have paid about XXXX $ a month with no change to the balance. I feel as if I am an indentured servant. Please help.
Product: Debt collection

I am disputing a {$660.00} debt allegedly owed to XXXX XXXX XXXX XXXX, now being collected by Resurgent Capital Services L.P . I've sent XXXX debt validation requests ( on XX/XX/XXXX and XXXX, XXXX ) asking for specific documentation, including proof of debt ownership transfer and the original signed agreement. Resurgent has failed to provide the requested documentation, instead sending generic responses that don't address my specific requests. Despite my instruction to communicate only via XXXX mail ( received by them on XX/XX/XXXX ), Resurgent sent an email on XX/XX/XXXX, violating my request and potentially the FDCPA. They have continued collection efforts without properly validating the debt, negatively impacting my credit score. I've prepared a third letter addressing these issues and am now filing a complaint with the CFPB about Resurgent 's practices and potential FDCPA violations.
Product: Checking or savings account

I have been trying to gain access to my funds in my bank account since XX/XX/2019. After countless visits to different Huntington branches, numerous calls to the support desk, and 3 different monthly statements in the mail - nothing has been done. When talking to Huntington representatives - they tell me that theyll call me back with more information, yet never do. They tell me they dont know when Ill get my money. This is unacceptable.
Product: Debt collection

A XXXX  Account Was Created By my Sister and Yes I Signed For Her To Get The Account and She Must Have Default on it, Well, Later XXXX Written Off and/or Discharged The Account About a Year Ago and Now Some Other Company Must Have Brought The Account and They are Citing My Credit as Collections, I Did Dispute it When it Was With XXXX  and I Dispute This One Also. I Also Have Others That I'm Paying Back Through XXXX XXXX and It's Showing as Delinquint But It's Not I'm Paying Them, It's Just Through XXXX XXXX.
Product: Checking or savings account

Credit karma took over XXXX and with it they took over my account. 

They keep sending me things to create an account with credit karma ( I refuse ) my account had been closed since the Start of XXXX. 

Multiple phone calls all end with them saying they can't direct deposit into any of the provided bank accounts. And they also can't mail a check. They say my only way to get my money is to open an account or wait for an email ( which they haven't replied in over 2+ weeks ) and that they escalated my profile. I think they're doing this to many customers. 

I have no signed paperwork with credit karma. They are holding my money ransom to force me to open an account. It's deceptive, and it needs to stop. 

It's been XXXX weeks since I told them to send my money via check ( they replied they can't send checks ). 

I provided XXXX different bank accounts and routing ( they state there is an error with their system so they can't deposit ) I've reached out via email Multiple times a week since XXXX and Multiple phone calls. 
They will not give me my money. Please help.
Product: Debt collection

On or about XX/XX/2015 XXXX XXXX reported a debt of XXXX $ that I've never used nor received or did I have a credit card with, on my credit report. Not do I have a letter or receipts or any such contract with. I only learned of this by reviewing my credit report recently. How may have this resolved without paying a debt I never accumulated?
Product: Credit reporting or other personal consumer reports

This is a follow-up and additional support to my call on XX/XX/XXXX to XXXX dispute line. 
I am disputing the XXXX charges on my credit report and have done so in the past. Reference account number XXXX. 
In the past I made numerous calls to XXXX to resolve this dispute. One call that sticks out is a call where I spoke with XXXX on XX/XX/XXXX. After XXXX discussion. I completed a good survey thinking XXXX would provide resolution. Nothing ever happened. 
The charges reflected on the credit report, stem from long distance calls on my wife XXXX phone to the XXXX. 
Prior to this event, I had many phone conversations with XXXX related to long distance calling plans. I was on a plan that XXXX eventually changed the rate up and minutes down. I asked many times how we can use internet to make calls. Eventually XXXX advised using Wi-Fi for long distance calling. 
After using Wi-Fi at home and in our car, we saw a large charge for long distance calling. XXXX never instructed or advise us to tun off Cellular Data with the phones setting. Had XXXX properly advised us, the charges would have never appeared. 
After many calls to XXXX contesting these charges and how they used the highest per minute pricing, on XX/XX/XXXX, I spoke with XXXX. My call with XXXX was disconnected. I was not able to reconnect with this individual. During the call with XXXX, she offered a 35 % discount or {$430.00}. During the call I stated I was on paperless billing, and I wanted to see which calls she identified as being on Wi-Fi. At the time of the call, I did not agree with XXXX because I knew my wife made the calls at home ( Wi-Fi ) or in the car ( Wi-Fi ) so I felt that XXXX assessment was falling short. 
I was paying my reoccurring monthly XXXX bill, then XXXX day XXXX disconnect our service. This caused us to scramble for phone service. My wife XXXX was using her phone XXXX as a XXXX XXXX XXXX XXXX XXXXXXXX was a XXXX XXXX XXXX and my ex-mother-in-law XXXX being an XXXX  person relied on her phone XXXX to stay in contact with family. 
It was not until after my call with XXXX, that I spoke with a person in Tech support, that stated that we needed to go into setting and turn off cellular data. Why didnt XXXX representative prove this information when I was asking for assistance? After we obtained this information from this call, we had no additional long distance call charges hitting my account. 
After reviewing a detail billing from XXXX received XX/XX/XXXX, I was able to see which calls were on a Wi-Fi. See attached. 
My last calls to XXXX occurred on XX/XX/XXXX ( answering machine ) and XX/XX/XXXX ( placed on hold ). 
I do not believe XXXX has provided complete and honest information related to this issue. XXXX closed the account before I could fully review the charges. Had XXXX provided information about turning off cellular data this would not be an issue.
Product: Vehicle loan or lease

So I put in a complaint of last year with the bank financially not giving the understanding of why the sum of all financial charges progressive was not included or the insurance wasn't included and the sum of all charges which I think it is. But now I see that they put me in a high price loan with low income. Still knowing the fact that I would default still knowing the fact that this is a joke to them. Price gouging during a state of emergency putting me in a {$60000.00} vehicle and then still acting as if they don't get it. Normally when you go into a company and they put you in a car. The first thing that happens is they say driver 's license and if you want to get in this we don't do anything. The bank will let us know. We don't have any control over it right? The bank then reviews everything that was put down and the bank will come back and say they are yet this Bank overlooked everything that was going on. Not only would they, they put me in a {$60000.00} vehicle price gouge during the state of emergency but then to act criminally and do what they are doing while being in lawsuit during the pandemic and everybody that was in the pandemic knows that everything slowed the process down when going to court when doing all this other very weird stuff. So criminally what I think happened as I think they manipulated the conversation while being in lawsuit. They sold me a vehicle that was {$60000.00} {$60000.00}. I told him at the time the income that I was making they overlooked the income. They overlooked the facts and they got me into a vehicle knowing I was going to default because they have nothing to lose. They're a bank. Why do they care they just work there? I would love for the bank to give me a clear clarification on what the they were doing while still being in lawsuit with XXXX other states. Knowing that the courts weren't moving, they decided to illegally do what they're being sued for in another state that was not suing them. That is criminally insane to me that they are still doing the act that they got sued for by XXXX other states well in a state world emergency. Excuse me, they decided to use excessive Force and price gouging a car that was probably around {$30000.00}. They made it {$60000.00} even with {$15000.00} down. That makes no sense. This isn't even a luxurious vehicle
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to 15 USC 1681 ( q ) ( 3 ) of the Fair Credit Reporting Act hereinafter FCRA, AMERICAN FIRST FINANCE used and intentional perversion of the truth to induce the consumer to be reliant upon it to deprive the consumer of it's right to privacy. AMERICAN FIRST FINANCE reported my private nonpublic and personal information to consumer reporting agencies without lawful authority or actual consent of the consumer thus committing identity theft. These fraudulent actions have caused me to sustain injuries such as a loss of opportunity and wages.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an account that XXXX, TransUnion, and XXXX claim false information and this has violated my rights by law by not removing after the proof was given and it has been disputed 3 times with them and also came to CFPBs for the 2nd time now. And by law there's 3 reasons this needs be removed, not NOT considered CLOSED ( IT WASNT OPENED BY ME ) 1st of all a fraud alert And an investigation was apparently done by the government, 2nd of all the dates are completely wrong, And dollar amounts have changed multiple times, and my personal info has been fraudulently used, 3rd of all it should have been completely deleted 2 months ago like all the proof says, even if I was aware and it was my account ( which its NOT ), and this still hasn't happened. Now that I have everything cleared up on my report and you don't want to take care of it and protect me as an honest civilian, the next step will be getting an attorney and I will persecute at a federal level. Please do your jobs there at CFPB XXXX, XXXX, and TransUnion so I don't have to waste another minute and stress over something that is beyond my control, that I've tried to handle for the 5th time now! I am not allowed to sign a mortgage on our 1st home for my daughter 's and I at XXXX XXXX XXXX until this is removed, and weve been patiently waiting for over 2 months now!!! Have a blessed week!
Product: Credit card or prepaid card

On XX/XX/2022 I checked out of the XXXX XXXX XXXX using my Navy Federal XXXX  XXXX  Credit card ending in XXXX with the card name XXXX XXXX. The total charge upon check out was {$11000.00}. This charge posted on XX/XX/2022 to my statement and was paid. Subsequently, on XX/XX/2022 this charge reappeared on my statement with the same transaction date of XX/XX/2022 for the same amount. After noticing this and calling the bank, I was told that it must have been a hotel error and that this charge could NOT be removed while investigating. The hotel only sees one charge. I've only been to XXXX ONCE and I did not make this XX/XX/XXXX charge.
Product: Vehicle loan or lease

Mechanics Bank XXXX XXXX bank are horrible and must be stopped!! 

1 ) They changed my due date while on autopay and continued to charge me late fees for months and never notified of this when I had alerts turned on for this and other reasons. 

2 ) I paid my loan in full after getting payoff on XX/XX/2023 and XXXX days later was charged again for different regular payment amount that I did not authorize. I have now been charged late fees for other charges. 

The bank 's systems do not work or work in the bank 's favor to generate illegal fees and/or extra payments they get to keep to generate revenue from interest. 

This bank must be stopped and/or audited severely. I'm seriously considering a class action on these clowns.
Product: Student loan

My complaint is about a student loan servicer, Navient, that has attempted to steal, cheat, lie and admit to their wrongdoing, but will not offer to fix their mistakes. 
Navient has violated several State consumer protection laws and several Federal laws. 
The only relief I am expecting Navient to provide is to reverse the charge off since they admitted to that mistake ( with no cost to me ), make corrections to the credit bureau ( mine and my my cosigner ), place my account back in good standing with $ 300-350 monthly payments. 
Below is a brief timeline of the important events. I currently have all records and documentation to prove all events. ( not every event is listed here, I will attach a full timeline event ) 1. They illegally tried to debit more money out of my checking account 2 months earlier than what their emails said ( I currently have those emails ) 2. After several attempts of trying to reinstate my original payment amount ( I currently have that documentation ), no one at Navient reinstated my request. 
3. I was told the exact date when my loans would Default ( I currently have those records and Navient admitted to their mistake ) 4. Navient charged off my private student loans 30 days sooner than they were supposed to ( I currently have those records ) 5. After Navient admitted to their mistake, they would only reverse the charge off if I payed {$580.00} ( I currently have those records ) 6. When I told them I just started working while being unemployed for 4 months, I couldn't afford the {$580.00}. And that I could pay $ 50-75 that day and {$300.00} monthly payments, they said no, I would have to pay the {$580.00} that day. ( I currently have those records ) 7. When I offered to pay {$50.00} that day, they told me they couldn't accept my payment ( I currently have those records ) 8. When I mailed a {$300.00} check to Navient in XX/XX/XXXX, they returned it stating that it was an " invalid bank account number '' ( I currently have those records ), my bank account number has been the same for 24 years 9. When I contacted my bank, they verified for me that no one had attempted to cash the {$300.00} check ( I currently have those records ) 10. When I mailed a replacement check for {$300.00}, that check has never been cashed nor returned to me.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX Social Security Number : ( XXXX XXXX  ), Consumer Date of Birth : ( XXXX  XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX {$1300.00} XXXX XXXX XXXX XXXX {$65000.00} XXXX. XXXX XXXX {$77000.00} XXXX XXXX XXXX XXXX {$14000.00} XXXX XXXX XXXX XXXX {$20000.00} XXXX XXXX XXXX XXXX {$8600.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Applying for a mortgage and being denied.