23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I am a customer with XXXX. I have a checking account with them since XXXX. I use the online services. I have set up an external account with XXXX XXXX for ACH transfer into XXXX account within their online portal. I have made several external transfers in the past with no issues. I made an external transfer on the XXXX online portal for the amount of {$1000.00} from XXXX XXXX  into XXXX. This was done on XXXX. On XX/XX/XXXX - the fund of {$1000.00} was withdrawn from the XXXX account. These funds were taken from the XXXX account via an ACH from XXXX. These funds were never posted to the XXXX account. I have called XXXX 8 times. Each time they state that the middleman has the money. ( I later found out the middleman is the XXXX warehouse ). Supposably they reversed the transaction on XXXX to send the funds back to XXXX XXXX. For some reason they were unable to post the transaction. They told me to wait three days. When I called XXXX after the three days - they told me it is a XXXX XXXX issue. I have now called them 8 times. Each time it takes over a half hour to explain the situation. Once you get to the correct person, they tell you it is not a XXXX issue. It is an issue with the middleman and to call XXXX XXXX I then call XXXX XXXX and they are unable to do anything because they have released the funds to XXXX. 
It is now a over a month and the {$1000.00} is missing. XXXX is unwilling to do any type of fraud report. nor do they give any suggestions to resolve the issue. There must be some type of protection for the XXXX in this type of electronic transaction. 
There is a clear transaction history of the XXXX withdrawal on the XXXX account debited on XX/XX/XXXX for {$1000.00}. XXXX- once you get through the levels of the phone representatives are able to see the transaction. However- no one can tell where the money is nor are they willing to tell you how to get the funds. i am banging my head against a wall.
Product: Student loan

My loan was transferred to a new servicer ( UHEAA ) and the new servicer unilaterally reduced my monthly payment without informing me so that my final pay-off date would be in XXXX ( the pay-off date under the note ), rather than ahead of schedule in XXXX. I have routinely paid more on my loans than the monthly minimum amount so that they will be paid off quicker and I will pay less interest. The result of lowering my monthly payment is that I would pay more interest over time.
Product: Debt collection

XXXX XXXX XXXX is reporting a medical collection account that I have disputed with the original provider and told XXXX that I was in dispute. I had insurance, the provider received authorization from the insurance company and the provider never billed the insurance. When XXXX contacted me I told them I was in dispute with the original provider and they still reported it to the agencies but did not send me anything to verify the debt even though I asked for it. They continue to ignore my requests to verify the debt yet they also report this unverified debt. This needs to go back to the provider so I can take care of this. This is in direct violation of the Fair Debt Collection Practices Act ( Federal and California ).
Product: Credit reporting or other personal consumer reports

Experian has Experian XXXXXXXX XXXX XXXX XXXX for payments that are eligible to be documented on the credit report. I was notified that some bills have not been updated and to manually do so. The Experian XXXX XXXX  link does not work and the page is frozen. 
The bills that I have made payments on for over 6 months have not been auto updated by Experian and there is no manual option to do so. 
Experian phone customer service has only XXXX prompts, XXXX for fraud, and XXXX to request a credit report. There is no option to get through to a live representative. 
The rent payments to XXXX have been made consistently for over 2 years. 
XXXX XXXX payments have been made consistently for XXXX XXXX years. 
XXXX XXXX payments have been made consistently for over 6 months.
Product: Debt collection

I checked my Equifax credit report to find a credit on my Arkansas account. 
XXXX XXXX XXXXXXXX. I do not live in XXXX XXXX, Ark. I live in XXXX, Texas, never lived in XXXX XXXX, Ark.This is a fraudulent account. They got it marked as a charged-off. It Looks like it is for utility services.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX, I discovered that I was the victim of identity theft. I filed a police report, had fraud alerts placed on the credit bureaus, and the fraudulent accounts were removed, with the exception of three that were reporting positively. The man who helped me repair my credit said not to worry about those. Three years later, in XXXX, the fraudulent account from Navy Federal was added back to my credit report, along with 9 different variations of an address I never lived at. I'm assuming that this is where the fraud was committed. I was told by XXXX that the information is verified as accurate. How can that be so, if it is not my account? Please handle both XXXX and Navy Federal in the illegal reporting of this {$34000.00} auto account that is not mine! Thank you.
Product: Mortgage

I get XXXXXXXX XXXX XXXX  XXXX Wednesday of the month and my mortgage with midland mortgage, is due by the XXXX of every month. Every month I get charged a late fee ( $ XXXX {$9.00} ) I have tried to change my due date to no avail. I call every month to get my late fee credited, to my knowledge, I was under the impression that the requested fee was credited every month til XX/XX/22 I was informed that I am only allowed 1 credit a year. So the other 11 calls for the late fee credit did not actually happen. The fee may be minor but it adds interest to my overall balance of my mortgage. 
I was told that I would have to sign an agreement for midland mortgage to electronically withdraw my payment. I declined due to past increases that I was unaware of.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Closed XX/XX/year> {$920.00} My information may have been impacted by the XXXX and XXXX XXXX XXXX and may have got into the hands of the wrong person Under The Doctrine of Estoppel by silence, XXXX XXXX XXXX XXXX mo ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in facts exists
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently have had to relocate due to a fire at my home. While looking for a new place to live I was continually being denied for a home, and opening a new bank account. I was informed to call Early Warning Services for the  reason for my denial issues. When I spoke with Early Warning they said their were 3 accounts ( 2 with negative remarks, 1 with a balance ) that XXXX had reported sometime back in XX/XX/2013. I immediately contacted XXXX to dispute the information. The account that had the balance ( {$500.00} ) was already flagged in their systems as fraud, but since I didn't " take care of it '' in the time they alloyed then I would have to be responsible for paying the balance even though it was not made by me. I was a victim of identity theft at that time as well as other accounts not with XXXX and have documentation of the person who confessed to the crime, but was still told I just needed to pay and it was my fault I didn't check in periodically with XXXX for fraudulent activity on a account I didn't even know about. XXXX further informs me that even if I pay there's no guarantee that the negative remarks will be removed from Early Warning. I then disputed the information with Early Warning only to be told the information was correct, even the other 2 accounts that had no balance since I went into overdraft 3 or 4 times but then paid the balance and closed the accounts Im no longer worthy to be trusted by banks or have a home!? I am a single mother of XXXX young children and XXXX, currently not able to get a home for me and my children apparently having to wait 5-7 years to get off information that's inccorect and I was not informed of through phone, mail, or e-mail. I'm requesting the negative remarks or account be removed from Early Warning for not notifying me violating their notice clause of FACTA section 623 ( A ) ( 7 ).
Product: Credit card

In reference to the case # XXXX. Please reopen this case number the reason is : This case is not solve yet. Fargo Bank never returned my money back, which they imposed on me for these not mine chargers, as they promised they will return. 
And they never tried to send me a new Credit Card. Despite all my reports to them. 
I am very much frustrated and mad with Fargo Bank for what they did to me as their costumer. They made me a victim of fraud. Not only that, they allowed someone else to used my identity, also they never protected my Identity, for so long on the top of it all. They blame myself for all of theirs mistake and hold myself accountable for all the changers that occurred on this and related cards, that I never received it from them. Apparently they were stolen from the mail? Also. They ruined my Credit Report. Reporting to them as my fault and that I am late with payments. What a lie! Therefore please assist me with this case again to clear my name from all of this to fix my Credit Report and to get all my payments money back to my checking account. And a new Credit Card as I had applied for it and was approved. 
Thank you XXXX XXXX
Product: Credit reporting

Transunion has refused to provide either the required free credit report or to provide even after I paid online for the report. Phone calls are routed to a call center in another country and they simple will hang up or transfer you back to another person in the same call center.
Product: Credit reporting or other personal consumer reports

XX/XX/year> - mailed letter which include the name of the accounts and the account numbers to Equifax requesting the method of verification for XXXX accounts on my credit report XX/XX/year> - received letter asking for the names, account numbers, etc. for said accounts XX/XX/year> - returned copy of their letter with my initial letter that held the account numbers and names as they had requested XX/XX/year> - received XXXX letter in the mail asking me for the names, account numbers, etc. for same said accounts XXXX/XXXX/205 - called and spoke to " XXXX '' at Equifax who stated they could not provide the method of verification - said that I am responsible for knowing how they were verified - also stated that their in-house XXXX department verifies with the companies - when I stated I wanted to see documentation of how these XXXX accounts were verified and who verified them, he said he couldn't do that and a supervisor was not available for me to speak to
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent out 609 letters to the 3 credit bureaus XXXX, XXXX, and XXXX. These letters detailed the incorrect and inaccurate information being reported to my credit profile. On XX/XX/2020 I sent out 30 day demand to comply letters to all 3 credit bureaus. These letters also detailed the incorrect and inaccurate information being reported to my credit profile. Letting them know it had been 30 days and that I would filing a complaint with the CFPB. Today is Monday XX/XX/XXXX well over 30 days and I still haven't received any results from their investigation.
Product: Payday loan, title loan, or personal loan

I called in to pay off my loan on XX/XX/17. The rep told me the balance and I explained I could n't make to the bank in time to payoff the loan in full because I was in XXXX when the hurricane Irma hit. He advised on XX/XX/XXXX to pay $ XXXXand they will waive the other payment of {$330.00} since I was in the hurricane area when the hurricane hit.
Product: Credit reporting or other personal consumer reports

I am filling a complaint against TransUnion for failing to properly investigate my dispute regarding inaccuracies in my credit report despite my submission, TransUion consistently responds within XXXX hours stating that the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ) XXXX XXXX. Code XXXX which mandates a reasonable investigation dispute. Furthermore, TransUnion actions may also contravene the Consumer Financial Protection Aid ( CFPA ), XXXX XXXX. XXXX ( A ) ( XXXX ) ( A ) - ( B ), as highlighted in the recent CFBBs recent administrative proceeding ( File No. XXXX ) against them for similar violations.I request that CFPB take action to ensure TransUnion complies with federal law and provides consumer with the necessary proof of investigation. 

Accounts XXXX. Old Address to be removed XXXXcharges off/ wrong dates on accounts XXXX. Debt collectors, no approve by thrift party XXXX. Hard inquiries not approved by me or gave permission to pull my credit by those accounts I I want reported accounts to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon receiving my Consumer report # XXXX from EXPERIAN XXXX I noticed the are still reporting inaccurate personal information on my file. Address ID # XXXX Not my address/ Address ID # XXXX Not my address Please delete these addresses and update my file.
Product: Credit reporting, credit repair services, or other personal consumer reports

{$4100.00} Original creditor : OPENED in XXXX CAPITAL ONE BANK USA N A Reported in BK XXXX XX/XX/XXXX Sold twiced opened in XXXX after being BK XXXX was filed and dispmissed.. Continues to bring my credit scores down.. Disputed in XXXX and No respond Overview You've paid off 0 % of your collection amount. 
Balance {$4100.00} Highest Balance {$4100.00} Opened XX/XX/XXXX ( XXXX yrs, XXXX mos ) Account status Open Type -- Responsibility Individual Remarks Dismissed Original Creditor Name XXXX CAPITAL ONE BANK USA N A
Product: Credit reporting, credit repair services, or other personal consumer reports

1. BANKRUPTCY CHAPER XXXX - DISMISSED with REF # XXXX Filed on XX/XX/XXXX with a amount of {$0.00} COURT - US BKPT CT CA LA 2. BANKRUPTCY CHAPER XXXX - DISMISSED with REF # XXXX Filed on XX/XX/XXXX with a amount of {$0.00} COURT - US BKPT CT CA LA
Product: Debt collection

Regarding Acct. # XXXX My ex-husband and I have been dealing with US Bank for over 15 years managing and paying an Equiline account on time each month. Once we received our divorce in XXXX the bank would not divide the loan in half because he retired in XXXX and I was still working so our attorneys told us both to pay one half the bill each month. The account has matured and we are no longer able to draw funds on it and the bill has gone from approximately {$600.00} to {$1300.00} per month. 

We are both unable to make this {$680.00} payment each month and the bank has encouraged us to refinance. For some strange reason we were not able to refinance with a conventional loan so they suggested we go through Loss Mitigation. We have sent in application packets with requested documents from XXXX through XX/XX/XXXX but they refuse to approve this loan. To make things worse, they have assigned a different Relationship Manager ( RM ) every month or so causing more confusion. 

We have had XXXX, XXXX, XXXX, XXXX and now XXXX. They rarely answer the telephone when you call and when they do they won't give any concrete answers about the application status and they have never told me exactly what documents they did receive from us. They continue to ask for more and more documents from us starting from scratch. During one phone call XXXX thought my house was attached to this Equiline account when actually it is the house that my ex-husband lives in. I know I have sent in the documents requested because I have scanned them and sent them from the Public Library and it provided a scanned copy for my file. Another time I sent them from one of the local US Bank branches. I asked the RM there to look over the packet to make sure I had everything included but she would not do it ; she said she was not allowed to do so. However ; a week prior, I was there and she encouraged me to come back anytime I need their help. 

US Bank has exemplified poor customer service, discriminatory loan practices, unprofessional and unethical business etiquette in the 21st  Century. I am appalled and there is no excuse for it. I have also experienced several other issues with US Bank regarding other account I have with them. I do not want to get into those issues right now. I want them to be accountable for this unacceptable behavior. 

XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Hello, my name is XXXX XXXX XXXX, and I am writing to delete the following information from in my file. The items I need deleted are listed in the credit report. I am a victim of Identity Theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my Identity to the Federal Trade Commission and I h also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 

Based On, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Its been more than 30 days and you as the credit reporting agencies are in VIOLATION of this law because I am a victim of identity theft! Please remove these accounts as soon as possible! 

Fraudulent Collection Accounts : XXXX XXXX XXXX  Account Number : XXXX Collection Opened : XX/XX/XXXX Balance : {$1300.00} Fraudulent Collection Accounts : XXXX Account Number : XXXX Collection Opened : XX/XX/XXXX Balance : {$560.00} Fraudulent Collection Accounts : XXXX XXXX  Account Number : XXXX Collection Opened : XX/XX/XXXX Balance : {$5100.00} These accounts should not be furnished on my consumer report as they are in VIOLATION!!!! Under, 15 U.S. Code 1681b Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Product: Checking or savings account

I opened my account with US Bank on XX/XX/2019 at a physical branch location. When I opened the account, there was an offer XXXX Fall Checking Offer ' in which I should receive {$400.00} as bonus from bank is I get XXXX XXXX as direct deposit within the first 60 days.I received {$4800.00} as direct deposit in the first 60 days. Banker confirmed the offer has been applied and gave me a flier for that. I waited for 2 months to receive bonus from bank account. But even after 2 months, I didn't receive the bonus so I called the bank. Banker said that while opening the account, banker forgot to put the bonus code and due to this bonus has not been received in my account. He will forward the request to manager and they will add the bonus code retroactively. If my account meet the terms and conditions, then I will be given the bonus in a week. It has been 10 days and I have not heard back from US Bank. I tried calling bank again today to check the status, but no one picked the call. 

Reference link : XXXX XXXX XXXX
Product: Student loan

I attempted MANY times to lower my monthly payments for my Navient loans with no help from Navient. They have given me no options to help me be able to even touch paying off my student loans. I spoke to someone at Federal Student Aid who recommended I apply for the IDR PAYE program for my XXXX and XXXX loans, which would help me begin to start paying off my loans one at a time. I recently enrolled all of my student loans into the Income-Driven Repayment plan through the PAYE (  Pay As You Earn ) program. However, the first month enrolled worked properly for my Navient loans, but now they have been cancelled!!! I'm trying to pay off my loans, but no help is being given on Navient 's end. Whereas, my loans with XXXX and XXXX have been very helpful in honoring my IDR / PAYE plans I recently enrolled in with absolutely no issues. Navient has completely neglected this Federal program.
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 XXXXXXXX XXXX Account # XXXX has violated my rights.

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 or other personal consumer reports

According to your last response to my complaint, you said " ADVERSE ACCOUNTS THAT HAVE NOT BEEN PAID IN FULL WILL AUTOMATICALLY BE DELETED XXXX YEARS FROM THE DATE OF FIRST DELINQUENCY '' XXXX : XXXX, is illegally still reporting on my credit report. this account is outdated! the date of first delinquency was XX/XX/2017. ITS BEEN 7 YEARS! THIS account needs to be Deleted off of my credit.
Product: Debt collection

XXXX   XXXX   XXXX   XXXX   on  XXXX   XXXX ,  XXXX  working for  XXXX  at  XXXX   XXXX   XXXX ,  XXXX , NJ. I went to  XXXX   XXXX   XXXX   XXXX  and received   XXXX   XXXX  . I never saw a bill during that time, as my manager took me to the hospital and it was filed as  Workman 's Compensation. I re call receiving  one  bill at my home a few months later, which I immediately took to   XXXX   and was told it would be taken care of. I never received any other bill or correspondence from either the hospital or eventually the collection company. I pulled my credit report on  XXXX   XXXX ,  XXXX  in anticipation of beginning the home buying process. On it, there is a bill with a Accou nt Resolution Services , a collection agency, for {$810.00}, for my injury from  XXXX   XXXX . It was placed into collections on  XXXX / XXXX / XXXX . Again, I never received any notice about the bill other tha t the one time noted above. I never received any notice that it was unpaid, would be placed in collections, o r any bills from the collection agency, nor did I ever heard that   XXXX   received any mail in my name on the matter.
Product: Credit reporting or other personal consumer reports

I have been trying to get this derogatory off of my credit for months. I have sent in several disputes, and nothing has been done. I have submitted documents proving it is me sending the request to have this removed. I have filled for a full file disclosure and never received it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE SENT IN LETTERS TO THE CREDIT BUREAU IN REGARDS TO THIS MATTER. 2 ACCOUNTS THAT ARE ON MY CREDIT FILE WAS NOT DONE BY ME, IT WAS DUE TO IDENTITY THEFT, I DID A FTC COMPLAINT ON BOTH BUREAUS. I TOLD THEM THAT THESE ACCOUNTS DID NOT BELONG TO ME. BEING THAT I WAS IN A DATA BREACH, THEY SHOULD BE UNDERSTANDING, THEY MAKE THE MISTAKES WITH ALL THESE DATA BREACHES THEN WHEN A CONSUMER AS MYSELF COMPLAIN ABOUT ACCOUNTS ON THEIR FILE THAT DO NOT BELONG TO THEM, THE CREDIT BUREAUS GIVE YOU A HARD TIME. I AM IN THE PROCESS OF BUYING A HOUSE, MORTGAGE IS PENDING.