23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Bank of America increased annual fee on XXXX  XXXX card to {$95.00}. Fee posted on XXXX statement with a due date of XX/XX/XXXX. Called in to cancel card of XX/XX/XXXX and have annual fee credited, account had a {$0.00} balance not including the new fee. Card member agreement states fee will be credited if closed within 30 days of statement date where annual fee appears. Agent confirmed fee would be credited and closed card. Received XXXX statement, only {$25.00} of the {$95.00} annual fee was credited, the remaining {$75.00} was not, in addition I was charged a late fee and interest. Called in XX/XX/XXXX after receiving statement, agent stated error would be corrected and account would be credited to {$0.00} within XXXX hours. XX/XX/XXXX still showing {$71.00} due called in again, again promised would be corrected to {$0.00} balance within XXXX hours. XX/XX/XXXX, no credit, my other bank of America accounts now showing a warning of late payment due to this account, statement is due today. Not wanting my other accounts effected I pay the XXXX. I received new statement XX/XX/XXXX with no statement credit as promised multiple times and addition interest charge of {$1.00}. I have wasted enough time on this, I am due a refund of {$72.00} for the annual fee that was required to be credited per the cardmember agreement, I request this to be sent to me via check and the account show a XXXX balance and closed.
Product: Payday loan, title loan, or personal loan

Carvana will not send my license plates or registration. Carvana collected fees from me but no plates. Purchase Date XX/XX/2020
Product: Debt collection

In XXXX XXXX, I discontinued my service/account with XXXX XXXX XXXX in XXXX XXXX, MO. At that time, I moved into a temporary apartment and had all of my mail forwarded. Upon reviewing my credit report in XXXX XXXX, I noticed that XXXX XXXX had entered a collection notice for {$270.00}. 

I contacted them immediately and they refuse to tell me what the balance was in XXXX XXXX when I disconnected, and they have failed to tell me what the " late fees '' associated with my account. They also can not explain why I rec 'd no phone calls, final billing notice or anything from them for over 6 years, and why all of the sudden they feel obligated to tell me I owe them X amount of $ $ . 

I 'm frustrated that a utility company can basically hold onto my personal information for almost 7 years and suddenly tell me that I owe them almost {$300.00}, and what 's even more frustrating is that I have no proof of what was owed, how much they 've charged me over the years etc ... The only response I have rec 'd from them was an email from saying they do n't contact customers via phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX. I am submitting this complaint on behalf of myself and not a third party. 
I previously submitted a complaint and it went unresolved. 
My final attempt at this level to make Experian aware that I have never signed an Affidavit nor giving Experian consent to furnish ANY INFORMATION on my consumer report but has that stopped Experian? No it has not, even through disputing inaccuracies I have still not been been properly handled. The items I disputed do not belong to me. Youre verification was flawed. Show me indebtedness, accounting in detail, a document showing I received any loans or services. Did you interview anyone?! Experians system is fraudulent. Wheres your permission purpose?! You do not have my consent to furnish and you did not investigate anything.
Product: Checking or savings account

XX/XX/XXXX : check {$1800.00} for {$3100.00} issued to XXXX XXXX. My USAA bank, misread the amount, and only paid him {$310.00}. I called many times. Finally, on XX/XX/XXXX, they issued a 'bank ' check adjustment to XXXX XXXX bank ( XXXX XXXX  ), for {$2700.00}. XXXX XXXX NEVER GOT THE BALANCE. NEVER. He showed me his mobile bank account. 
USAA debited MY account for the {$2700.00}. 
XXXX XXXX came to my door, asking for the rest of the money. It had now been XXXX MONTHS! He never got the previous money, before XXXX or XXXX! He was angry. Rightly so. 
I had to give him a another check, personally, for {$2700.00} ( ck # XXXX ) on XXXX XXXX. 
I am now out almost {$6000.00}! 
Usaa is still saying they sent the money XX/XX/XXXX, and it's now HIS bank 's problem. 
THIS IS NOT MY PROBLEM. THIS IS NOT XXXX XXXX PROBLEM. 
I WANT THE EXTRA {$2700.00} REFUNDED. 
I have NO IDEA, where USAA sent the check adjustment. I am not a private bank XXXX. 
THIS IS 100 % THE BANK 'S PROBLEM. My bank was supposed to put a 'stop payment ' on the XX/XX/XXXX check adjustment. Now they say they can not get the money back, and i have now DOUBLY PAID XXXX XXXX! XXXX XXXX is NOT happy. He waited > XXXX months to get paid. I'm not happy, because i have now spent hours trying to fix this problem, to XXXX XXXX XXXX XXXX XXXX XXXX XXXX.please help me.
Product: Checking or savings account

The bank kept taking these unauthorized amounts out of my account, and then when I would bring up the issue with them they 1 ) spent a few hours telling me it was my fault, 2 ) finally admitted it was a bank error, 3 ) " fixed it '' by crediting the money back to my account, and then 4 ) it keeps happening  and they can't make it stop TRANSACTION HISTORY XX/XX/2020 $ ( XXXX ) XX/XX/2020 $ ( XXXX ) XX/XX/2020 $ ( XXXX ) XX/XX/2020 $ ( XXXX ) XX/XX/2020 $ ( XXXX ) XX/XX/2020 $ ( XXXX ) XX/XX/2020 $ ( XXXX ) XX/XX/2020 $ ( XXXX ) XX/XX/2020 $ ( XXXX ) XX/XX/2020 $ ( XXXX ) XX/XX/2020 $ ( XXXX ) XX/XX/2020 $ ( XXXX ) XX/XX/2020 $ ( XXXX ) XX/XX/2020 $ ( XXXX ) XX/XX/2020 {$1800.00} XX/XX/2020 {$1800.00} XX/XX/2020 {$1800.00} XX/XX/2020 {$1800.00} XX/XX/2020 {$1800.00} XX/XX/2020 {$1800.00} XX/XX/2020 {$1800.00} XX/XX/2020 {$8600.00} XX/XX/2020 {$8600.00} XX/XX/2020 {$8600.00} XX/XX/2020 {$8600.00} XX/XX/2020 {$8600.00} XX/XX/2020 {$8600.00} XX/XX/2020 {$8600.00} XX/XX/2020 $ ( XXXX ) XX/XX/2020 $ ( XXXX ) XX/XX/2020 $ ( XXXX ) XX/XX/2020 $ ( XXXX ) XX/XX/2020 $ ( XXXX ) XX/XX/2020 $ ( XXXX ) XX/XX/2020 $ ( XXXX ) XX/XX/2020 $ ( XXXX ) XX/XX/2020 {$3700.00} XX/XX/2020 {$3700.00} XX/XX/2020 {$3700.00} XX/XX/2020 {$3700.00} XX/XX/2020 {$8600.00} XX/XX/2020 {$8600.00} XX/XX/2020 {$8600.00} XX/XX/2020 {$8600.00} XX/XX/2020 $ ( XXXX ) XX/XX/2020 $ ( XXXX ) XX/XX/2020 $ ( XXXX ) XX/XX/2020 $ ( XXXX ) XX/XX/2020 {$3700.00} XX/XX/2020 {$3700.00} XX/XX/2020 {$8600.00} XX/XX/2020 {$8600.00} XX/XX/2020 $ ( XXXX ) XX/XX/2020 $ ( XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed inaccurate reporting by XXXX Student Loan on my credit report stating that I owe of past private student loans. My records show that I have paid in full these loans. Over the period of the loans, XXXX Student Loan has sold the debt numerous times and at the same time continued to report the debt under XXXX Student Loan SLC. I contacted the company XXXX Student Loan is using called XXXX XXXX XXXX in XXXX FL, they were helpful in accepting that I provide my proof of payments for the XXXX Loans. I mailed 8 years of proof of payment which included the attached documents along with my personal bank account statements which showed these payments were made to XXXX Student Loan and their Creditors they sold the loans over the years. I ask for a full review and any records XXXX Student Loan has that showed I did not pay these loans in full. I received a letter from XXXX XXXX XXXX stating that XXXX Student Loan investigation response is that I still owe the loan amount and XXXX XXXX XXXX would continue to report on my credit the amount outstanding under XXXX Student Loan name. I was not given any proof that the current reporting on my credit report are linked to the Student Loans I made payments on. I believe XXXX Student Loan has sold the loans off and did not receive the payment I have records for and continue to collect and hold me liable. I am yet to hear directly from XXXX Student Loans on the proof of payments I have submitted to them and a reconciliation of the loans I paid off. They can not show any proof with the payment I made and how they were applied to the loan and why they continue to show a balance on the Student Loan accounts and reporting the account as charge off collection. These inaccurate reporting by XXXX Student Loan has damaged my credit rating and caused me to be turned down by banks, and financial agencies. I am exhausted at dealing with XXXX Student Loan and have no other place to turn to get them to correct and fix this error. I only ask that they reconcile the account and show me how my payments I've made of the years were applied to the loans I borrowed and explain why I owe them a balance they are claiming when my records showed I paid the loans off. Since I've contacted XXXX Student Loan and can not get them to provide me this information it seems that they are taking part in collection practice that is illegal and violation of the fair credit reporting act. If I could afford to file a lawsuit against XXXX Student Loan I would have done so as their response to my letters and their lack of providing proof of the debt and payment I made to XXXX Student Loan and its Creditors is something they have yet to provide me.
Product: Debt collection

XXXX XXXX deleted the inaccurate inaccurate information. This account is not mine. I have disputed this account for a few years now. Very recently, have assigned it to a collection agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. The credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


XXXX XXXX XXXX XXXX, GA XXXX DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX  XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX  XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$1800.00} XXXX XXXX Balance Owed : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

sending me bogus letters about a debt that I do not owe XXXX XXXX XXXX XXXX XXXX XXXX  ars national services inc
Product: Credit card or prepaid card

On XX/XX/XXXX, I called XXXX XXXX ( XXXX ) to purchase an infant lap seat ticket in addition to my family 's 5 purchased seats on XX/XX/XXXX, on my Citi/AAdvantage card. While the infant seat was purchased, the agent mistakenly recharged my card the full price of the previous 5 tickets at {$920.00} each, totaling {$4600.00}. I discovered this error later that day, and called XXXX  to right this mistake. I was told the pending status typically remains for 3-5 days. Simultaneous, and multiple efforts followed from XX/XX/XXXX thru XX/XX/XXXX : ( 1 ) XXXX XXXX : I have spoken with customer service, then told to submitted a claim to their customer relations department which led to several correspondences with representative, XXXX XXXX, without resolution. Then I escalated a request via email to her director, XXXX XXXX, and SVP, XXXX XXXX, only to again received a response from XXXX XXXX, that Mr. XXXX acknowledged receipt of my request, but no sensible explanation for these extended pending charges. Compensation of XXXX  miles were awarded, but simply just not enough for the forced inconvenience of shuffling finances on my credit card that was tied to other financial commitments. 

( 2 ) Cit/AAdvantage : Citi 's customer service representatives have said that the control to release a pending charge is the merchant 's, not the card issuer. I asked if they could investigate on their customer 's behalf and speak with XXXX merchant services, but it was declined. While they were empathetic to my frustration, there has been no resolution.
Product: Debt collection

Called 27 times from XXXX. No information provided through mail. Constant calls and voicemails all from spoof numbers.
Product: Credit card or prepaid card

I was late a few months on my business AMEX card. I ultimately paid in full and asked them to close my account. They did not close my account and continued to assign me late fees. They turned my account ( {$170.00}, most of which were monthly late fees after I paid my card in full ) over to a collections agency, but continue to accrue late fees to my account. I attempted to speak with AMEX tonight ( XX/XX/20 ), a person named XXXX, who would not give me her employee ID or last name and would not let me speak with a supervisor to negotiate a mutually agreeable compromise. Also, they told me that they were recording me, but when I told them that I was recording them, she said that I could not do that and she would have to terminate the call.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. to this day over 60 days later I have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove all fraudulent accounts as I have no know of any of these accounts due to the XXXX  data breach/ identity theft. All is being investigated by the FTC. According to FCRA 605B this information must be blocked immediately until the investigation is over.
Product: Credit reporting or other personal consumer reports

I originally filed a dispute on XX/XX/XXXX, through CFPB complaint # XXXX regarding inaccurate information on my credit report. Despite an initial investigation, the inaccuracies were not corrected or removed. I filed a second dispute on XX/XX/XXXX, under CFPB complaint # XXXX, but the issue

remains unresolved and is taking an unreasonable amount of time. Under the FCRA, specifically 15 U.S.C. 1681e ( b ) and 1681i, inaccurate or unverifiable information must be promptly corrected or deleted to ensure compliance with federal law. Attached are : -credit reports XX/XX/XXXX XX/XX/XXXX -Letter
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX XXXX, am writing in regards to complaints on wrong information on my consumer report. 
The following addresses are inaccurate and not my current or correct address : XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX. The following inquiries are on my consumer report that were not applied for by me : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX , Fl XXXX XXXX Account was paid in full and was deleted but was reinserted.
Product: Credit reporting, credit repair services, or other personal consumer reports

Lexis Nexis did in fact report three incorrect accounts to the following companies : Data Verify, Net Credit, and XXXX XXXX XXXX XXXX XXXX. Please note that the list of companies is not complete, as it is impossible for me to know to all of the companies that received this false information from Nexis Lexis which was to deny my credit applications. Due to the lack of due diligence by Lexis Nexis, I have been put through undue mental and financial duress. Please see XXXX attached proof of such below labeled " Proof of Denial '' from when I was attempting to get a vehicle. 

Upon my recent attempt to purchase home, the process was halted when XXXX Judgments were reported to me by a potential lender ( see attached labeled " JUDGEMENTS '' ). My potential lender informed me that the information was sourced from a company called XXXX XXXX. XXXX XXXX XXXX of XXXX XXXX, informed me that their information is sourced from Lexis Nexis. XXXX XXXX , of XXXX XXXX, also informed me that the information they receive is not " official '' and must verified before assumed to be accurate before it can be used as a basis to issue credit. 

I have attempted to reach out to Lexis Nexis to dispute this matter, but they have not responded. 

The following are disputes of Judgements that are falsely listed on my Nexis Lexis report and causes me Undue Financial & Mental duress. 

University XXXX XXXX # XXXX This account was resolved and removed in XXXX due to my XXXX veteran 's status, though Lexis Nexis claims that this account is in judgment status. I recently reached out to the University, and they supplied me a letter for evidence of this account being satisfied. ( See Attached Letter ) TD BANK> # XXXX This account belonged to my father, to whom we have the same name. He also passed away in XXXX of XXXX. Also, the case was dismissed XX/XX/XXXX ; which is well before Lexis Nexis listed this account as a judgement. ( See Attached Court Dismissal ) XXXX XXXX XXXX XXXX XXXX There is no evidence of this judgment and the Law Firm representing XXXX XXXX told me that they are not pursuing a Judgement. Also, XXXX XXXX also told me that they have no account, in my name, that is in judgment status. Please, send me a copy of the data that you used to verify that I have an actual judgement or remove this false information Without my knowledge or permission, Lexis Nexis has furnished in accurate information that has caused me Undue MentalXXXX  and Financial Duress. Lexis Nexis has added to life as a currently 100 % XXXX veteran. 

I have attached a copy of my military ID and also a copy of my social security card for identification verification. This is the only forms of identification that I have because I do not drive due to XXXX.
Product: Credit reporting or other personal consumer reports

NEW AFFIDAVIT ATTACHED XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX : XXXX Sos : XXXX TransUnion LLC Supervisor, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Subject : Request for Removal of Fraudulent Accounts and Inquiries FTC Complaint # : XXXX CFPB File Number : XXXX, XXXX Date Created : XX/XX/XXXX Dear Supervisor, I am writing to formally request the removal of the following fraudulent accounts and inquiries from my credit profile. These entries were made without my consent or knowledge. I recently spoke with a representative, XXXX XXXX XXXX ), regarding this issue. 

Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts and inquiries are fraudulent, inaccurate, and should be removed from my credit profile immediately in accordance with the Fair Credit Reporting Act ( FCRA ). 

Please notify me in writing of the results of your investigation within 30 days, as required by law. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Checking or savings account

I am writing to file a complaint against navy federal credit union regarding multiple overdrafts fees I have incurred. Despite have sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issues aligns with the recent CFPB Finding against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was told that i needed to make my car payment on friday in order to not have my car repossessed. I made my payment on friday at XXXX. I was not told that it had to be in at a certian time. " XXXX the supervisor '' is who I made this arrangement with. " XXXX '' ended up going home early on friday and didnt call the repo company to cancel the repo order he already had put in, and wasnt supposed have even orderedto according to or agreement. That Sunday they repossessed my vehicle. I called them on Monday, the apologized for the error, I went to the car repo center and got my car back, no charge.since it was their error. Now they have me listed as car redeemed and account closed. I still drive the vehicle and i am current. They admit it was their error, didnt even charge me to pick it back up acknowledging it was their error, but refuse to remove the credit report entry stating account closed car redeemed amount due zero. I have asked XXXX XXXX to fix this, he submitted a request. I got the request back in the mail saying they stand by their entry and will not change it. I called XXXX XXXX and asked him again. he said he will not change it and it is accurate. I said then I owe you nothing since you say account bal is XXXX. I said you cant have it both ways. so, either it comes off or i owe nothing as the report says. he refuses to make it accurate. I need your help this is a major problematic company with an excessive amount of customer complaints.
Product: Credit reporting, credit repair services, or other personal consumer reports

THERE IS A BUNCH OF INFORMATION ON MY REPORT THAT IS FRAUD! EITHER THE MISINFORMATION STEMS FROM INACCURATE REPORTING, INCOMPLETE REPORTING OR REPORTING OF UNVERIFIABLE INFORMATION. PLEASE CORRECT AND REMOVE THIS FROM MY CREDIT REPORT.DEPT OF ED/XXXX XXXX, DEPT OF EDXXXX XXXX, DEPT OF EDXXXX XXXX , DEPT OF EDXXXX XXXX, DEPT OF EDXXXX XXXX, DEPT OF EDXXXX XXXX, DEPT OF ED/XXXX XXXX, DEPT OF EDXXXX XXXX , DEPT OF EDXXXX XXXX, DEPT OF EDXXXX XXXX , DEPT OF EDXXXX XXXX, DEPT OF ED/XXXX  XXXX, DEPT OF EDXXXX XXXX, DEPT OF EDXXXX XXXX, and DEPT OF ED/XXXX XXXX,