23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I applied for the XXXX XXXX Credit Card issued through XXXX on XX/XX/XXXX. Due to a fraud alert on my credit file, XXXX reached out to my to further process the application on XX/XX/XXXX. I verified that I had done the application and I was told everything was good to go to further process the application for an approval or denial. Later on XX/XX/XXXX, I received an email saying I was approved for the card. On XX/XX/XXXX, the fraud and review team reached out to me and stated that they couldn't verify my identity and that I needed to pay for and send notarized documents in so that they can remove the hold off of my account for ID verification. I had advised the agent that I spoke to someone and they had already verified my information with questions and calling my number that's on my fraud alert. The agent told me that I would still need to send in the notarized documents as an added security for the account. I send in the documents twice ; once on XX/XX/XXXX and again on XX/XX/XXXX because I was told the first set wasn't received. On the call with an agent from the fraud and review team I was told that there were XXXX notarized documents in front of mine and everything would be reviewed in the order received that day. I was told to call back at the end of the day. After XXXX days of getting the runaround in regards to my documents I call today on XX/XX/XXXX and ask what's going on with everything. I was told by an agent that my account was closed because I was considered a high risk and they felt I would do fraud on it. This is so frustrating because I was told that once my notarized documents were reviewed, the account would be good to go. That was so far from the truth. My next question is if you all thought I would do fraud/ was high risk ; why have me pay all this money to send in notarized documents and then continually dismiss me when I ask that. I want the money I paid for the notarized documents back and I also want the information for the legal department because I am getting my lawyer involved. I have done absolutely nothing for an agent at a company to tell me they suspect I'll do fraud and I'm high risk. I've never done fraud before ; so outside of me being XXXX and having a XXXX XXXX XXXX, what would cause XXXX XXXX say such a disgusting statement.
Product: Credit card

I had a coupon and used it to make purchase on date of expiration. I have an email from Macys on that date, thanking me for the order. Macys did not process order until 2 days later and claimed the coupon was expired, even though it was valid on the date I used it. Instead, they charged it to my credit card account without my authorization. I disputed it and after dozens of phone calls, multiple transfers, and explaining over and over again, they reversed the charge in my favor. I directed them to close the account. When I reviewed my credit report, they the account -- for the unauthorized charged that was disputed- as 30 days late and that the account was closed at their request. I filed an XXXX with all XXXX bureaus previously but it still appears on my report and is not even marked disputed.
Product: Credit reporting, credit repair services, or other personal consumer reports

It said that this account was open 2015 and i owe XXXX that is incorrect ive went to the company and they said theres know such thing. I DO N'T owe them nothing they owe me XXXX. I WANT this off my report ... Its false information. I 'm attaching the paper that was given to me by XXXX XXXX XXXX XXXX showing i dont owe them anything they owe me, the date is on there when i went in person.
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. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  is inaccurately reporting that I was 60 and 90 days late in XX/XX/XXXX, XX/XX/XXXX, and in XX/XX/XXXX for XXXX XXXX. 

XXXX  is inaccurately reporting that I was 30, 60 and 90 days late in XX/XX/XXXX, XX/XX/XXXX, and in XX/XX/XXXX, XX/XX/XXXX XXXX XXXX. 

Transunion is inaccurately reporting that I was 30, 60 and 90 days late in XX/XX/XXXX, XX/XX/XXXX, and in XX/XX/XXXX, XX/XX/XXXX XXXX XXXX.
Product: Consumer Loan

Conn 's is reporting 30 to 120+ late payments on my credit report which is n't accurate. I requested my payment history from Conn 's which show paid thru dates and payments being applied to misc fees. I 've disputed the info with all XXXX credit bureaus and sent in the payment history for proof. The bureaus did not investigate the late payments and have not removed the late entries. I 've contacted Conn 's to correct the issue and have not had any luck. I 've requested the removal of the account from my credit file due to the incorrect reporting.
Product: Money transfer, virtual currency, or money service

I had an HSA account through my Employer with Optum Financial. 

I have recently retired and I am trying to consolidate the balance of that HSA account into my XXXX  HSA Account. 

I followed thier instructions and filled out the transfer form, mailed it to them ( weeks ago now ) and they tell me today it will be 5-6 weeks to get my money transferred, without getting any interest while I wait, and I may have to pay some undetermined fees to get my money. 

This is rediculous. There is no reason they can not transfer my money via EFT to my XXXX account immediately. 

Can you help me? 

Optum Financial XXXX Thanks XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I called XXXX XXXX XXXX customer service asking for COVID-19 relief since my finances were impacted due to reduced hours at work. 

Unfortunately, a customer representative named XXXX told me that unfortunately the credit card issuer is not offering any kind of relief. 

This is embarrasing, as I didn't ask my employer to cut my hours. Synchrony is putting their interests and greediness first before their customers. It is disrespectful in the middle of a pandemic.
Product: Checking or savings account

On XX/XX/XXXX and XX/XX/XXXX, Bank of America ( my bank ) withdrew {$1000.00} and {$1100.00} putting my account in the negative. I was told it was due to duplicate deposits from two previous paychecks made out to me with my address on them dating XX/XX/XXXX and XX/XX/XXXX. Both checks I had already mobile deposited into my account on XX/XX/XXXX and XX/XX/XXXX. Both checks are from my employer and my employer uses XXXX XXXX XXXX XXXX  and those checks were issued to me. Later I was told that someone had gotten a hold of those physical check and attempted to deposit them. This person was not successful for the first check XX/XX/XXXX {$1000.00} therefore BOA had given me those funds. The second check was successfully deposited to the check thief in the amount of {$1100.00} check date XX/XX/XXXX. This check was deposited by a male. The check I had already mobile deposited therefore it already had my signature on it. This male deposited this check at a BOA with his name, which is not legal since the check had MY name and MY signature on them. BOA is refusing to give me my money. I am the victim of fraud and BOA has not replaced my funds after they accepted my check with my name and signature from a man under his name. I am enduring financial hardship because of this and am close to losing my housing. I am begging for some kind of help. I have already filed a police report and the investigator is on the case and also advised me to report to the FDIC and CFPB. Please help me.
Product: Credit reporting or other personal consumer reports

My divorce was finalized in XXXX- please see uploaded XXXX. My ex-husband was responsible for the mortgage, payments and removing me from the loan. 
Unfortunately, he never removed my name, in from XX/XX/XXXX through XX/XX/XXXX, he stopped making mortgage payments and the XXXX was forced to close and go into collections. 
This is reporting to my credit report now as something I did, when I wasn't even entitle to the house or even had possession. XXXX XXXX  hasn't been helpful through this process as the account is closed and they are saying there is nothing they can do, but I have moved on and am trying to purchase a new home for my family and I can't because of his negligence. 
Please see the attached Judgement of divorce - I had no rights or responsibility to the repayment of this loan and the lates that he caused should not be inhibiting me to move forward when this was signed by a judge into order in XXXX.
Product: Money transfer, virtual currency, or money service

Per a publicly advertised promotional offering, I signed up for a new account with Abra and provided them the same information Ive provided many other such companies that has been fully vetted and for which there has ever been any issue. Furthermore I attended a video presentation required for the promotion and pasted my particular account number in the comments section for the video for which I should have received a promotional offering of cryptocurrency. After viewing the video, the company shut down the account, as apparently they did thousands of other people, and stated via customer service weeks after I filed support requests that they would not honor the promotion in any way, shape or form for me. The company refuses to provide any rationale why they did this and they refuse to work with me and many other customers to remedy the issue. Complaints have been submitted with the California attorney generals office as well as the XXXX XXXX XXXX in XXXX XXXX against this company and the company has responded to none of the complaints. Furthermore the company states on their website and social media a 72 hour response time related to submitted issues however they took several weeks to respond to any of the tickets I submitted regarding this issue which made trying to remedy the issue nearly impossible because the promotion had a particular time limit addresses to it. I believe this action was deliberate on the part of the company. 

Lastly, several of the email threads between me and customer support have been forwarded to both the CEO and CEO of the company to try to get some resolution because customer service claims they can do nothing about this issue and they refused to provide any reason why this happened or provide any remedy despite the fact Ive pointed out to them that their actions are both negligent, bad faith, injurious, and fraudulent. 

Given the lengths Ive gone to to communicate these issues and try to resolve this issue with the company, its clear their actions are being done very deliberately and something needs to be done regarding the issue that affected me and thousands of other customers as can be seen anecdotally on numerous websites where this company advertised the promotion and customers later complained their accounts were also frozen and the company refused to honor the promotion.
Product: Credit card

On XX/XX/year>, I closed XXXX accounts ending in XXXX and XXXX. I paid the balances in full by the due date. On XX/XX/year>, Capital One charged me on XXXX {$43.00} for interest and a {$40.00} past due fee. On XXXX I was charged {$43.00} for interest and a {$40.00} past due fee. This is contrary to the Capital One application terms I agreed to. 

On XX/XX/year>, I spoke to XXXX XXXX who stated they would not be making any adjustments.
Product: Credit reporting or other personal consumer reports

Transunion is reporting an account that is not mine, the account is : Name : XXXX XXXX XXXX XXXX # XXXX
Product: Student loan

I have recently received e-mails regarding the change in repayment plan that was set to expire at the end of next month. Navient had mentioned that I call them if I would have difficulty making the payment. My current budget had allowed for the repayment plan that I was currently on but the new repayment plan I was required to take on is outside of my budget and does not work for my financial situation. I called Navient today and spoke with XXXX ( XXXX ) and explained my financial situation and asked for estimates on proposed payment plans - he explained that due to my income level I did not qualify for any alternative repayment plan. I asked him how the repayment qualification process worked and whether consumers were aware of how and at what income levels we qualify for repayment plans. He told me that he did not have that information and that it was not available to consumers. I felt that this policy is very opaque and does not offer consumer 's the full understanding of why they have to pay specific repayment plans. Given all of the income and financial obligations that I have I would like to know how and why Navient builds their repayment plans ( what percentage over time and whether they can extend the life of the loan and whether there are actual repayment options ). I have been faithfully paying my loan since 2010 and do n't appreciate that arbitrary and non-transparent nature of my service provider. I 'm willing to make payments but do n't understand why my provider can not find common ground with me to make payments and work with my budget.
Product: Bank account or service

I have a business checking account with PNC Bank. Without my permission or explicit request, PNC added a service called 'Cash Flow Insight ' to my account and charged me {$10.00} per month for this unwanted service. I did contact the bank and request a refund for the service and requested the service to be cancelled. They did both. However, I feel it is important that banks can not add services with corresponding charges to customer 's account without appropriate notification. Using an 'Opt Out ' approach should NEVER be used. Rather, requiring 'Opt In ' for any services that carry service charges should be the requirement.
Product: Credit reporting or other personal consumer reports

I AM A VICTIM OF IDENTITY THEFT. I AM A VICTIM OF XXXX XXXX BREACH! 
1. Conduct a thorough investigation into the unauthorized inquiries and negative remarks mentioned above.

2. Provide me with written confirmation of the results of your investigation.

3. Remove all inaccurate, unauthorized, and negative information from my credit report.Remove all inquiries as they are categorized to be UNAUTHORIZED, therefore unlawful and violation to consumer rights.

4. Report the corrections to all major credit reporting agencies, including XXXX, XXXX, XXXX, and FICO.

5. Provide me with an updated copy of my credit report once the corrections have been made.

6. Include proof of submission of the corrections to the CFPB, so they can confirm that you have fulfilled the full details of my request.

This addition ensures that you have a record of the corrections being submitted to both the credit reporting agencies and the CFPB for verification.
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated.

The inaccuracies are highly injurious to my credit score XXXX XXXXXXXX Account Number : XXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the account, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason
Product: Debt collection

THIS IS A COMPLAINT AGAINST STATE FARM BANK. FSB I request your company to stop reporting an account that says it belongs to me, I request that the account that was opened without my permission and without my authorization be blocked from your credit files and collection systems and by Please stop reporting to credit agencies this account that hurts me greatly. 

The account is State Farm Bank, Account Number XXXX The information contained in this account is being reported negatively in my credit report, I make it clear that this account is not related to any transaction made by me. Such transactions are the result of identity theft. 

Please Block this information from your files and send the required notice to all credit bureaus to stop reporting this account that does not belong to me. In addition to the fact that you are reporting an account opened under fraud. As you should know that it is illegal and incorrect for a fraudulent account to be reported and that it can not be verified because all the errors they have do not belong to me., I make it clear that all the information reported by my name and social security number related to this account. It is a fraud and that is why : I have the right to request and demand that these fraudulent accounts be blocked immediately. In accordance with the Federal Laws that protect me, since I am a victim of identity theft and I provide a police report and all the documents required by law to support this fraud, sections 605B and 611 of the Fair Reporting Act, which states that
Product: Credit card or prepaid card

Barclays did not process my extension for COVID19/Coronavirus Relief when I spoke to them in XX/XX/2020. 

On XX/XX/2020, I called Barclays to make a payment and request an extension to the COVID19/Coronavirus Relief which expired in XX/XX/2020. I explained that XXXX XXXX  / workload halted when the pandemic hit, and we have not seen any type of increase since the pandemic began. Also, I told them we would struggle to make our payments for the next few months. I was advised by the Barclays representative that I would receive a three-month extension to the COVID19 Relief program ( forbearance ), through XX/XX/2020. The representative ensured me that she signed me up for three more deferred/skipped payment and my next payment would not be due until my XX/XX/2020 statement. 

I did not receive any statements in the mail for the months of XXXX and XXXX. Also, I noticed a change on my credit report with my Barclays account showing as 30-days past due. Once they reset copies of my statements, I saw that Barclays had charged me late fees AND over the limit fees during the time that my account was supposed to be under Relief.

The Barclays website is still showing they are offering COVID19 Relief ( see attached ). I have called Barclays three times since the credit reporting change and they have made no effort to correct their error and uphold to their original promise of extending the Relief.  The first time I called was on XX/XX/2020 ; I spoke to XXXX and was told to send in a dispute to the credit bureau. She did waive the late fees for XXXX and XXXX. I received a call from a Manager on XX/XX/2020 and when I explained the issue, she connected me to the collections department. I spoke to XXXX XXXX, he told me I could close the account, but offered no other options. I called back to discuss this matter and spoke to XXXX, she advised that I enter into a debt management program. (!!! ) They are now trying to force me to pay all three months at once, including overlimt fees and other penalty charges. 

I have tried working with Barclays ; however, they have been unwilling to honor their original promise to extend the Relief and  correct my account history and credit report.
Product: Credit card or prepaid card

On XXXX XXXX,2017 when I called synchrony bank to make my payment I was advised that my deferred interest was now all going to be applied to my account at once {$1900.00} for my 18 month promotion was expired, coustmer service rep said I can extend the {$1900.00} for 30 days and that was all she could do at the time, so I explained that at the time of financing this product I had no idea that the interest was deferred and added in full for 18 months from my understanding I was told by sales people that after 18 months you start paying interest not all interest was added after 18 months, the contract was electronic on the computer and I believe it was just very misleading by the sales person and the way the contract is worded I explained to the coustmer service rep if I would have know that the interest was going to be added after the 18 I would have laid it in full, cause how wants to pay more interest then what they owe after 18 months.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a inquiry notictification for on XX/XX/2021 for XXXX/Aspire. 
I did not place an inquiry or request an application. The application was placed fraudulently and I am requesting the application be canceled and inquiry removed from my XXXX credit report.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates XXXX XXXX XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment reported in XXXX days to be removed. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. 


XXXX XXXX Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports XXXX