23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

We obtained an NFL credit card years ago to allow us to finance our season ticket purchases for six months with no interest, along with earning rewards for those purchases that can be used as statement credits. In the spring of XXXX, the issuing bank for the card changed from XXXX to Comenity. The same benefits were advertised, both on the card website and on correspondence we received when the new card was issued - 6 month, 0 % financing on purchases over {$250.00}, and 3 % rewards on NFL purchases. We have had a very difficult time getting the bank to follow through with giving us those benefits. 

XX/XX/XXXX - {$730.00} purchase of XXXX XXXX season tickets. Should have qualified for 3 % reward as an official NFL purchase, but only 1 % given ( XXXX points instead of XXXX ). Should have qualified for six months, 0 % interest, but treated as a regular purchase. 

XX/XX/XXXX - {$730.00} purchase of XXXX XXXX season tickets. Once again given 1 % reward instead of 3 % ( XXXX points instead of XXXX ) and not given promotional plan. 

XX/XX/XXXX - after numerous messages and phone calls, purchases were put on 6 month promotional plan and interest charges were reversed. However, rewards were still not corrected. We filed a dispute about these rewards around XX/XX/XXXX, which has still not been resolved despite the company 's statement that it would take " up to 90 days. '' XX/XX/XXXX - {$850.00} purchase of XXXX XXXX season tickets. Given 2 % reward instead of 3 % ( XXXX points instead of XXXX ). Once again, not put on promotional plan is it should be. 

I sent messages through the card 's website on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, made phone calls on multiple dates and sent a letter through the mail on XX/XX/XXXX, but can't get the company to resolve this relatively simple issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information was impacted by the XXXX leak.
Product: Credit card or prepaid card

On XXXX, a fraudulent charge in the amount of XXXX appeared on my credit card account after I had contacted PNC Bank to warn them of suspicious activity at the same time that I received a text about the same thing. I had been contacted by someone from PNC prior to receiving the text about a fraudulent purchase in California. After the dust settled, PNC said I was complicit and is holding me accountable for the XXXX amount
Product: Mortgage

Refused Mortgage because I am a XXXX despite my great credit rating and excellent work history. Reasons were given through a text, gap in employment, a number of different staffing agencies. No credit for gross income or ability to find good paying contracts or that my wife had a full time position.
Product: Credit reporting, credit repair services, or other personal consumer reports

THESE ACCOUNTS WERE POSTED WITHOUT MY CONSENT, I HAVE THE RIGHT TO PRIVACY ACCORDING TO THE FAIR CREDIT ACT. USC 1681 SECTION 602 A STATES I HAVE THE RIGHT TO PRIVACY, 1681 USC 604 SECTION 2 STATES A REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN CONCENT, THESE LAWS WERE BROKEN AND MY RIGHTS VIOLATED XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX THESE ACCOUNTS WERE FURNISHED WITHOUT MY WRITTEN CONCENT.
Product: Credit reporting, credit repair services, or other personal consumer reports

Based on my communications with all the credit agencies in XXXX of 2022, regarding the inaccurate information posted to my credit report ; I explained to all 3 agencies to investigate the information posted that was not accurate. Their response was that the information posted was accurate per their investigation. I asked if they could investigate each account listed on my file.

According to the Fair Credit Reporting Act the term investigative consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom he/she is acquainted or who may have knowledge concerning any such item ( s ).

They also stated that my account was verified, but how is that possible if they did not do a proper investigation according to the law. Also, every piece of information on these accounts reported are not 100 % accurate. Additionally, according to the Fair Credit Reporting Act 15 U.S. C. 1681 everything has to be 100 % accurate. I have downloaded a copy of my credit report.

In accordance with the Fair Credit Reporting Act, the listed accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681.

1. ) ACCOUNT : XXXX 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.

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

15 U.S.C 1681 Section 604 A It also States consumer reporting agency can not furnish an account with writer Instructions.

15 U.S.C. 1692c - Communication in connection with debt collection Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 15 U.S. Code 1692b not use any language or symbol on any envelope or in the contents of any communication affected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt
Product: Mortgage

I was informed by US Bank Home Mortgage that an escrow analysis was completed on my mortgage account in XXXX 2016 and that there was an overage in my escrow account ; I was owed {$330.00}. I have no record of receiving such an escrow refund check. I contacted US Bank Home Mortgage customer service. I was informed that in order to receive the money owed to me, they would withhold {$15.00} as a fee to issue another check. They explained to me that they have record of placing the check in the mail. However, I do not have record of receiving it, nor do they have any evidence of me receiving it. I escalated this to their customer advocacy group without success. They mailed me a check for {$320.00} ( minus the {$15.00} ). It frustrates me that the bank believes that they have no responsibility to return the money owed to me apart from dropping it in the mail. Turn the tables, imagine if a mortgage payment was lost in the mail ; I doubt US Bank would let me charge them {$15.00} to reissue another payment. I have been a long time customer and am discouraged that the bank would go to such great lengths to withhold {$15.00} from a customer.
Product: Checking or savings account

XX/XX/19 XXXX $ I called bamk of America to cancel knowing my XXXX  check was going into the negatives account because I got scammed they still took it I ended up being evicted a month after.. I just want to recover my XXXX check
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a letter regarding an inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person. ''
Product: Mortgage

I recently refinanced my home from PHH Mortgage. According to PHH Mortgage I was to receive a refund within 2-3 business days of the note being paid off. That check cleared on XXXX. I have contacted PHH again and they are stating they have requested a copy of deed from the town and they have not received. They further stated the refund can take up to 90 days. Just because I have had numerous issues with this bank I am inquiring if this is legal. Thank you!
Product: Student loan

I submitted an application to switch my student loan payment plan from XXXX to XXXX on XX/XX/year> via the XXXX website which was processed by XXXX  on XX/XX/year> and submitted to MOHELA ( my federal student loan servicer ). Per XXXX  documentation in my account portal, my XXXX application was received by MOHELA on XX/XX/year> for review and processing. I have made several calls to MOHELA and I am being given inaccurate information by MOHELA that MOHELA has not received authorization from XXXX to process pending XXXX applications which is false. I submitted a complaint to XXXX regarding MOHELA illegal practice and deliberately not attempting to process my XXXX application which is contrary to XXXX  regulations, evidenced by XXXX  feedback case # XXXX. 

Per XXXX  publication " StudentAid.gov/saveaction '', if MOHELA can not ( or will not ) process my application to switch repayment plans, they must remove me from the XXXX forbearance and place me into a 60-day administrative processing forbearance : " If servicers need time to process a borrower 's XXXX  application, servicers will move the borrower into a processing forbearance for up to 60 days. Interest accrues during this short-term processing forbearance, and time in the processing forbearance is eligible for XXXX  and XXXX forgiveness. If the borrower 's application is not processed by their servicer within 60 days, the borrower will be moved into a general forbearance that does not count toward XXXX or XXXX until their application is processed. Interest will not accrue in this general forbearance. '' MOHELA has still not processed my XXXX application and on my profile, MOHELA still has kept me hostage in the XXXX program with the notation in my account that " Await Form Administrative Forbearance '' which is inaccurate, illegal and contrary to XXXX application processing guidelines established by XXXX  which MOHELA takes direction from. 
It is neither my will nor choice to be placed in XXXX Forbearance. I want to resume making my student loan payments immediately with the XXXX payment plan.
Product: Student loan

I am a XXXX veteran and was attending college at XXXX University when I applied for veteran 's benefits with the Veterans Benefits Administration ( VBA ). I was determined to be eligible for veteran 's benefits. VBA concurred with my new career choice and training to achieve my employment goal. Therefore, VBA assumed financial responsibility for supporting my college training to include conducting a retroactive induction into training which covered financial responsibility for college training I had already completed in relation to my " XXXX appropriate '' career goal. VBA paid XXXX University for my training pertaining to my XXXX of XXXX. XXXX then returned these funds directly to the Department of Education and my student loan balances were cleared from my Federal Loans. Navient then placed these loans back onto my account. Despite ample evidence that these monies have already been paid, Navient continues to insist that since the funds did not pass through their hands, to clear my loan debt I must again pay these loan amounts to them.
Product: Credit reporting or other personal consumer reports

Unauthorized inquiries on my transunion credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Reported on transunion. If u check location where these are being processed from cause its not me
Product: Bank account or service

The practice of people that use credit charge " Chargebacks '' MUST stop. It is entirely criminal, as said people are able to call in to their bank and very easily and simply ask them to " Reverse Charges '' against a merchant, EVEN WHEN THE PRODUCT HAS NOT BEEN RETURNED, and AFTER SERVICES WERE PROPERLY RENDERED. XXXX is allowing this type of practice to occur on a constant basis, costing merchants and consumers alike many millions of dollars per year. In this particular case which I am reporting at this time, all the customer had to do was tell them that we " charged them XXXX '', and they got away with it!! We did NOT charge them XXXX. They made XXXX PAYMENTS. XXXX payment was a 50 % down to RESERVE the rental services, and the other was final payment toward the BALANCE OWED. The customer simply told the bank that the XXXX charge was a DUPLICATE, while it in fact, WAS THE FINAL PAYMENT ON THE BALANCE. This is hurting people very badly AND MUST BE STOPPED!!
Product: Mortgage

Ocwen Loan has reported several different account numbers on my credit reports for the same account. I called them to verify debt - all but XXXX are invalid account numbers. XXXX invalid account number is reporting on my credit as included in a bankruptcy in XXXX XXXX and closed on XXXX/XXXX/XXXX. I filed for bankruptcy on XXXX XXXX, XXXX. All of the adverse accounts on my credit report were included in this bankruptcy but this XXXX invalid account shows as another date. 
I have disputed with all XXXX credit reporting bureaus and they will not remove it. I do not understand why this false account is showing on my credit report and with a false date for bankruptcy. 
I am not credit worthy for anything with this mortgage deficiency POST BANKRUPTCY, which is not even a valid account. My correct mortgage account was included in my bankruptcy and it reports as such on my credit reports. 
I am asking for help in getting Ocwen and/or XXXXXXXX, and XXXX to remove this false information from my credit reports.
Product: Credit reporting or other personal consumer reports

fraudulent inquiries on Transunion report XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX
Product: Credit card or prepaid card

On XX/XX/2023, I contacted XXXX XXXX, Synchrony Bank, XXXX, to raise concerns that the online record of my Care Credit account was inaccurate. On that same day when I accessed my account online, I noted 2 duplicate transactions listed as *both* pending and completed in my account records. See attachment. 

She acknowledged that there are lags in removing a pending transaction after it is completed. She added that " nothing can be done '' as records are systematically updated by a computer. I noted that online financial records ( or any record for that matter ) need to be accurate as inaccuracy causes confusion. Further as an account holder, I had never encountered this problem until this year, 2023. So a recent change is causing this problem and it needs to be corrected.
Product: Credit card

These people denied my dispute when someone hacked me and spent XXXX dollars of my money. When disputed they tell me I verified that the card was in my position. When i got the text for the verification I clicked " 2 '' which meant it wasn't me. They denied dispute telling me i clicked " 1 ''. I don't know who or what the merchant is supposed to be or do. When I initially called to dispute I let them know that all my accounts were hacked and they do not think once that i may have been sim swapped. 

This cards XXXX fraud liability is the biggest joke ever. They do everything in their power not to give your money back that was fraudulently used. 

My request is the charge to be removed from my account ASAP or I will cease to use Barclay ever again. This is very ridicules that I have to go to this length the save myself.
Product: Credit reporting or other personal consumer reports

Theres an error in how Transunion, XXXX and XXXX report information on my credit report. No debt valuation information is not properly investigated and nor is it being sent to creditors with full proper documentation. Disputes get updated an remain on report in the matter of hours. No proper investigation. Improper reporting. Now XXXX, Transunion and XXXX wont let me dispute items on my credit report.
Product: Mortgage

I made a report onXX/XX/XXXX regarding my mortgage, a breach of contract fromXX/XX/XXXX which caused me to not only become behind after the bank voided the contract unilaterally 2 payments in and after telling me to miss XX/XX/XXXXs payment. The company responded on XX/XX/XXXX to CFPB and I rebutted their lies on XX/XX/XXXX. Less than two weeks later, my loan was sent to foreclosure! I spoke with Mr. XXXX at Wells Fargo on XX/XX/XXXX and was told that he would get together with Ms. XXXX ( home preservation ) to do a manual workout plan so that I could finish school ( summer is my internship ) and pay off my car ( XX/XX/XXXX ). That was a lie and never came to fruition. OnXX/XX/XXXX, I made my scheduled payment but it does not show up ( making it appear that Im further behind ). On XX/XX/XXXX, I spoke extensively with Mr. XXXX however he made no apologies for his lies and stated that I was placed into foreclosure because I was 120 days behind ( behind from XX/XX/XXXX ). I was 156 days behind in XX/XX/XXXX but made payments on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and foreclosure was not sought. This is plain and simple retaliatory behavior by a scandalous bank. My initial complaints were XXXX and XXXX.
Product: Debt collection

XXXX Advance Financial. First I admit I have a debt. Second They take cards used to make one time payments that have never been in there app and load into there auto collection system and attempt to empty bank account attached to it. They HAVE stolen funds from accounts not attached to the loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I as of late sent a debate letter to XXXX, Equifax, and XXXX  on, XX/XX/2021, presently it's XX/XX/2021, and I have still not got any examination results from one or the other Agency. The explanation I'm documenting this protest against them is that Government Law expects them to react within 30 days yet they have neglected to react.
Product: Checking or savings account

So prior to the Child Tax Credit Payment being issued by the IRS in XXXX XXXX, Chase because my account was overdraft by a small amount decides they want to issue a Overdraft Protection Credit to my account so that everyone gets full access to their Payment. Seems great doesn't it but their is a catch behind all of it. 

Is Chase never notified their customers that they where gon na do this and then Chase is gon na turn around and debit the amount back from my Checking Account. I'm sorry to say I did not request Chase to issue any courtesy credits. To me it does more harm then good. I'm told it's a Federal Law that they have to do it, but also seems sketchy that other banks did not issue such a credit to their customers, and it also seems sketchy the credit didn't apply back during stimulus checks.
Product: Credit reporting or other personal consumer reports

Equifax handled my dispute with a collection claim from 2023 with XXXX XXXX XXXX, and said the collections is accurate. 

I have paid the original creditors, XXXX XXXX XXXX, on XX/XX/scrub>/2023 in full for {$1500.00} as their AUTOPAY system was set up, but failed to withdraw on the first of the month. I received a collection from XXXX XXXX XXXX in XX/XX/year>2023. I disputed the claim successfully with XXXX in 2023. 

Equifax recently handled my dispute and claims that the account is accurate. 

XXXX XXXX XXXX and XXXX XXXX XXXX are both unresponsive. 

The collection claim from XXXX XXXX XXXX and XXXX XXXX XXXX is false and needs to be removed from my credit report. Please see attached for my letter response to XXXX XXXX XXXX, and my payment confirmation. 

Thank you for your assistance in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an email from XXXX XXXX XXXX on XX/XX/2019. I filled out a web form requesting a rate for a conventional loan. A loan officer contacted me and I gave him my information for a conventional loan. Much of the conversation was about him trying to get me to apply for an fha. I stated numerous times that I was already approved for an fha mortgage and that I did not want to consider an fha application. The loan officer stated that it didn't matter and that he could check on a conventional. After pulling my credit report he said that he could not qualify me for an fha for the amount that I wanted and I should not trust the preapproval 's I have received from the other lenders. Regardless that the other lenders have approved me based on verification of my assets and income and have been approved by underwriting. I said I didn't want to apply for an fha and that I would not be moving forward with their company. I filed a dispute with XXXX XXXX with XXXX XXXX for the credit inquiry. The credit inquiry did not harm my credit score but the fact that this company requested an inquiry for a loan product ( conventional ) that they were never had the intent to approve me for I requested that they remove the inquiry from my report. I received a letter from XXXX XXXX with a response from XXXX XXXX XXXX XXXX through XXXX XXXX from XXXX XXXX. The letter states that I applied for a mortgage over the phone with XXXX XXXX and that I gave verbal authorization for the credit report authorization. He further states I withdrew the application as they were not able to approve me for the amount that I desired. The truth is that I was applying for a conventional loan but the XXXX mortgage forms that they sent to the response has FHA checked off. In the box for assets it shows how much I had for a down payment and closing which was much larger than what I had stated I would use for the loan early in the process. Reason I withdrew was because that they were not offering the product I had requested I did not want to pay the fees involved with an FHA I could have increased my down payment to meet a DTI requirement. The false information that was being relayed from XXXX XXXX ( bait and switch tactics ) and I could not trust him nor his company is the reason I withdrew my application. If the web forms that I used to inquiry were to be reviewed or if the phone conversation was to be listened to if it was recorded it would be evident that I was applying for a conventional loan and that I declined due to being offered an fha.
Product: Student loan

5 months ago I filed to be reimbursed for payments I made during XXXX. XXXX reimbursed me for payments made to them but since Fedloan is out of service, no idea where my check is from them? I've contacted Dept of Treasure, Dept of Education, Financial Aid at my school. My student loan balance has gone up. So where is this check? Who do I contact??
Product: Prepaid card

I have tried to use my AMEX prepaid card at XXXX different online merchants on XX/XX/23 and XX/XX/23 and have been declined at every single one. Each transaction was less than the prepaid card value ( {$200.00} ). I called AMEX and they told me that all the transactions should have work, and that I just need to be inputting my own billing address. I input my own billing address each time and the card would still not go through. This prepaid card is advertised to be able to work anywhere that AMEX is accepted but it is not true, the card is not accepted both online and in-person. They have explained that this prepaid card has previously had issues with merchants like XXXX, XXXX, XXXX, XXXX, XXXX... these are major retailers and this card was advertised to work where AMEX is accepted. If I knew how limited this card use is I would not have selected to use AMEX for my prepaid card of choice. This card is useless everywhere and I am unable to complete any transactions.