23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I was denied credit on XX/XX/2019 by XXXX  due to a credit report they received from XXXX XXXX. My XXXX XXXX, according to XXXX, was XXXX out of XXXX, when I have credit scores ranging in the high 600s to low 800s with the major nationwide credit bureaus ( XXXX, etc ). I have contacted XXXX repeatedly to obtain the free credit report I was promised in the denial letter, but continuously get a recording asking me to leave my name and number for a call back ( latest call XX/XX/2019 ). XXXX does not allow me to request the credit report online ; other than by phone, they ask me to send by fax or regular mail my social security number, drivers license, and other sensitive material that I am not comfortable sending by fax or mail. I am not sure when I will ever be able to fully review and thus dispute my credit report with them. This complaint is primarily about XXXX, but also I don't believe that XXXX XXXX  should be using such a company for their credit checks.
Product: Student loan

I have student loans payments of {$260.00} per month, {$150.00} through XXXX and {$100.00} through Heartland ECSI. A financial set back put behind schedule for many months, and I wan unable to get reduced payments.
Product: Checking or savings account

Demanded statement of accounts not to be confused with account statements. billing error and impoper payments. Demanded proof of Funding in regards to all {$1300.00} payments made within the cash app to another cash app memeber also a payment to XXXX  XXXX and revenue for {$3300.00} erounously dishonered as well as {$1800.00} XXXX payment that shows they have recieved credit for both of those amounts and provided customer service with copy of UCC 3-603 and public law 73-10 and provided them with library of congresss certified copy of statues at large and cited truth in savings act and provided certificate of trust and Form 56. Cash app non compliant and two checks mailed from ny bank has not been credited and when asked about it they said im sorry i dont understand can you provide me with more information and since im the beneficiary they have failed to do as instructed and have not addresed billing errors or improper payments and no explanation why checks mailed by my bank not by my hand with proof from bank checks for {$9000.00} each and funds have been deducted from account already so i need proper credit and proof of funding for every {$1300.00} payment made to XXXX XXXX XXXX my landlord is claiming payment not recieved and for some reason Cash app is dodging request and avoiding my concerns leads me to believe they are not able to produce and if thats the case and i know it is they must issue credit regardless of dollar amount they recieved credit so how can they figure i am not entitled to same.
Product: Credit reporting or other personal consumer reports

I reviewed a copy of my credit report and I noticed there were some fraudulent inquiries listed on my report. I have previously reached out to the credit bureau to rectify this affair but they have been negligent in complying with my request. I am requesting for these following inquiries to be removed from my credit report : FRAUDULENT INQUIRIES Inquiry Name : XXXX XXXX  Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX INquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX XXXX INquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX XXXX  INquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX XXXX INquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX INquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX XXXX INquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX XXXX INquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX NA INquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX XXXX Date : XX/XX/XXXX Inquiry Name : XXXX XXXX XXXX INquiry Date : XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

Due to the holiday season and trying to pay for my sons college tuition I could not afford to make my mortgage payment at the beginning of the month when it was due. I already knew that as long as I don't go past XXXX days and cause a lapse in payment it could not affect my credit score or go on my credit. I went to go make the payment at the end of the month when I could afford it and to prevent a lapse, however I was unable to access my account due to the lender having closed down the website for maintenance for XXXX  days in a row. The lender did not send out any information in advance letting consumers know that the website would be down, and we would not be able to access any account information and make any payments or that this was going to happen which would have prevented me from making this payment at the last minute. I was unable to gain access to my account due to their negligence. The lender reported my payment of being late when they are the reason I couldn't gain access to my account. If I had known of this situation in advance It would have never occurred.
Product: Credit card or prepaid card

I opened a business credit card ( Chase Ink Cash Business ) with Chase. The card stopped working after one purchase and I cant sign up for a mobile or online account to pay the card. I called Chases fraud department ( XXXX ), but I was still unable to reach anyone after 30 minutes. 

I dont know what to do now. I cant use my card, pay it off, create a login, etc. This also prevents me from being able to make use of their promotional offer.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have occurred. Despite having sufficient funds when transactions were authorized. I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal Credit Union 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: Checking or savings account

My money was taken with a XXXX company and have no ideal who they where. I filed a police report and haven't heard any thing from my bank. Pease help me, Its a toll amount of XXXX. The Bank is Navy Federal Bank. I have a police report. This is our case # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter addressed to the 3 Credit Bureaus requesting to conduct an investigation and correct theinformation being reported. The 3 credit bureaus must validate these items in line with FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified informationwithout providing any proof within the period allowed by law. The listed items need to investigate and correctfrom erroneous reporting. 
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 or other personal consumer reports

please remove accounts and hard inquiries i have no knowledge of these and did not give these companies permission to run my credit and according to fcra 605B this is fraud!!!! please remove thanks
Product: Credit reporting or other personal consumer reports

Bright Money signed me up for a monthly service without my consent
Product: Credit card or prepaid card

I have a dispute with Bank of America ( Claim # XXXX ) over charges made to my credit card by a company called XXXX XXXX XXXX, that the Federal Trade Commission along with the Minnesota Attorney General has shut down as a scam. The merchant charged {$490.00} on XX/XX/2018 for a 3 day workshop I attended on how to sell and make money on XXXX. At that workshop they convinced me of an up-charge offer of an education and assistance program to become a successful XXXXXXXX XXXX. On XX/XX/2018, at this workshop, they charged my Bank of America credit card a {$15000.00} deposit for their program, which costs {$34000.00} total. But on XX/XX/2018, I received a partial refund of {$5000.00} because they needed to lower my debt to credit line ratio so that I could acquire a few more interest-free credit cards to make my full payment to XXXX XXXX and start my XXXX XXXX XXXX. So Seed Capital was utilized for getting me other lines of credit. However, before I could even get all the funding together and start the XXXX training that was offered by XXXX XXXX, the FTC shut them down on XX/XX/2018 as an illegitimate scam operation. I then opened a dispute against the charges to my credit card account with Bank of America. They gave me a deadline of XX/XX/2018 to provide verification. A week before that date, I mailed to the bank a 2-page letter explaining everything, and included all the documentation I could gather, which consisted of the XXXX XXXX contract pages with the services they offered and the length of time for their services, and I sent a copy of the FTC injunction against XXXX XXXX that shut them down. On XX/XX/2018, Bank of America denied my dispute claim for a partial refund of the XXXX XXXX charges. Their reason was that I did not submit a cancellation letter from XXXX XXXX. I am unable to get such a letter from them because they have shut down all operations and are not responding or receiving any phone calls, letters, or emails. In addition, Bank of America rejected my dispute stating that they will not give me credit for services that the merchant has scheduled to provide me at a future date. This is not even possible now that the FTC and Minnesota Attorney General has shut them down completely. Even if the merchant were to somehow beat the injunction against them, the fact that the XXXX gave them an F rating tells me all I need to know that this is a scam operation. I have wasted hours of my time and money to try to get this resolved in my favor. I have asked the FTC to please provide to Bank of America some other proof, like a cancellation document, that XXXX XXXX is closed down by them, but I don't know if they will do that. My FTC Complaint Number is XXXX.
Product: Credit card

On XXXX XXXX I applied for a credit card at capital one website. As you may be aware, it is against federal law in accordance with Equal Credit Opportunity Act to proclaim an adverse action against a consumer. Pursuant to 15 U.S Code 1691 ( C ) you assume civil liability pursuant to 15 U.S Code 1691 ( K ). 
Capital One has violated my federally protected consumer rights : 15 U.S Code 1642 which clearly states " No credit card shall be issued except in response to a request or application therefor. This prohibition does not apply to the issuance of a credit card in renewal of, or in substitution for, an accepted credit card. '' I attached a letter that was sent to me dated XXXX XXXX XXXX that is both proof and evidence that I have been discriminated against, therefore that makes capital one criminally liable. Capital One is to resort to reasonable procedures to rectify this affair and compensate me for the use of MY securities. Otherwise, if not rectified, this would be considered securities fraud since I have received NO BENEFIT.
Product: Student loan

I applied for the SAVE repayment plan with my loan servicer Nelnet over two months ago. My application is still pending and my balance continues to grow due to interest. The benefit of the SAVE plan is to prevent interest to continue ballooning as long as you make minimum payments, but while the application is still pending, the interest continues to grow.
Product: Debt collection

This collection account opened on XX/XX/XXXX, is currently marked as past due for {$2400.00} as of XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXXl loan is incorrect with balance over XXXX this not mine
Product: Mortgage

XXXX I changed insurance, sent new information with a paid in full recpt, the company sent a duplicate payment to insurance, for {$3500.00} and reduced my escrow account. They were supposed to put a stop pay on the check and issue refund to me, I still do not have a refund, and the insurance company will not release funds, since there was a stop payment put on the account. now I am short on my escrow acct and my payment is increasing! Ive been on hold, talked to many managers and customer service people, and this is still NOT resolved. I have been on the phone now and disconnected 6 times, over 2 hours trying to get escrow and customer service to help. at one point the last lady sd ; there is no insurance or escrow dept ;. NOT good. Still looking for resolution. 
i have been calm, no yelling, and need resolution. terrible automated transfers and inexperienced service people. I need my {$3500.00} refunded to my escrow account.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I sent a dispute to Equifax requesting an investigation into items on my credit report that were inaccurate, incomplete, and unverifiable. This letter was delivered via USPS certified mail on XX/XX/XXXX, with tracking number XXXX. To date, I have not received any response from Equifax acknowledging receipt of my dispute or providing the results of the investigation. As a result, I am being denied credit and housing. 

Given that Equifax has failed to respond or complete the investigation within the required timeframe, I am requesting the removal of all disputed items. I sent a follow-up request on XX/XX/XXXX, via USPS Priority Mail with tracking number XXXX, which was delivered on XX/XX/XXXX. Despite this, the disputed items have yet to be removed. 

Despite multiple attempts to dispute the accuracy of the following items, Equifax has failed to respond. Under the Fair Credit Reporting Act ( FCRA ), specifically Section 611 ( a ) ( 5 ), credit reporting agencies are required to remove unverifiable information promptly if validation can not be provided within 30 days of the dispute. Failure to comply with these requirements violates both 15 U.S. Code 1692g and FCRA provisions. 

As Equifax has not fulfilled its legal obligations to validate these items, along with the correction of my name and outdated employment and address information. I am requesting immediate removal of the disputed accounts. Additionally, I reserve the right to pursue legal remedies to enforce my rights under 15 U.S. Code 1692g and related laws.
Product: Credit reporting or other personal consumer reports

I called in and spoke to a rep from TransUnion and advised that there were inaccurate information in my report that I did not give consent to. I did not authorize any of these companies to have acess to my credit report for inquiries.. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently noticed the following medical collection account on my EQUIFAX, XXXX AND XXXX consumer credit report : XXXX XXXX XXXX XXXX for {$990.00} This account was previously listed, and disputed, under a different company called XXXX XXXX ( see attachment ). I previously disputed ownership of that account and no valid documentary evidence was provided. If the credit reporting agencies have received NEW documentary evidence that reflects a valid debt I now owe this company with transaction history amounting to {$990.00} made between me and XXXX XXXX XXXX, please provide me with such.
Product: Vehicle loan or lease

I had a 3-year (30,000 miles) vehicle lease from MINI Financial Services, XXXX XXXX XXXX, XXXX, OH  XXXX for a XXXX XXXX XXXX under MINI Financial Services Account Number XXXX. All lease payments were paid on time and the vehicle was returned to MINI Financial Services via its local dealer at the end of the lease on XX/XX/2019 with only XXXX miles on the odometer (versus 30,000 miles allowed). I was billed for a “disposition” fee of $XXXX which I paid on XX/XX/2019 upon receipt of the bill (Exhibit 1). At this point I did not expect to receive any more bills from MINI Financial Services since I do not have possession of this vehicle as acknowledged by MINI Financial Services (Exhibit 2). However, MINI Financial Services sent a bill through US Post Officer from MINI Financial Services dated XX/XX/2019 for “Vehicle Property Tax-XXXX   County, VA” for $XXXX (Exhibit 3). Since I was out of town from XX/XX/XXXX through XX/XX/2019, I did not realize that I had received this bill, which I had not expected. Upon collecting my mail I called MINI Financial Services on XX/XX/2019 and spoke to XXXX XXXX who demanded that I send full payment for $XXXX to cover the Property Tax bill that MINI Financial Services had received from XXXX   County, VA. I told Mr. XXXX that I was disputing this payment because this is an annual property tax that I did not owe because I did not possess the vehicle after XX/XX/2019. When Mr. XXXX   insisted that I pay the whole amount, I asked him to send me the bill which he refused to do.  (I have still not received the bill as of XX/XX/2019.)Since I did not receive the bill, I called XXXX County Tax Department to inquire about the bill. They could not send me the bill because the ownership of the vehicle is with MINI Financial Services, however they pulled up the records pertaining to this property and told me that MINI Financial Services had paid the bill late and the county had revised the bill amount to $XXXX which is 50% of the original bill amount of $XXXX and refunded $XXXX to MINI Financial Services (Exhibit 4).MINI Financial Services is trying to make me reimburse them for twice the amount that they owe XXXX County for taxes.
Product: Debt collection

I requested to see the original contract bearing my signature and their signature not some statement or computer-generated bill and have not yet received it
Product: Credit card or prepaid card

Comenity Bank issues cards foXXXX XXXX XXXX XXXX XXXX. For over a week, I've not been able to access online services. Information from the company is very limited, saying it was a " planned update '' and " scheduled maintenance ''. I've asked if they were hacked and they refuse to answer the question. I asked if they are a victim of ransomware and they refuse to answer. The early responses said account information was safe. That wording has disappeared from their subsequent messages. They said that calling the phone number would allow account access, however a recording says the call can not proceed, call back later, and then it disconnects.
Product: Credit card or prepaid card

This is in regard to the mishandling of a dispute that I have on file with my Capital One credit card. On XX/XX/XXXX I made a {$480.00} hotel reservation on the XXXX XXXX  site. The cancellation policy stated that cancellation after XX/XX/2020 and before XX/XX/2020 would be charged a {$49.00} processing fee, but cancellations after XX/XX/2020 are non-refundable. On XX/XX/2020 I cancelled the reservation through XXXX  because I could not get in contact with Cancellon which was the company that made the actual reservation as a contractor through XXXX  due to Cancellon  's going out of business due to COVID-19 hardships. On XX/XX/XXXX Trivago informed me by email to dispute the Cancellon charge in order to receive a refund since Cancellon was no longer in business. That is what I did and disputed the charge through Capital One. XX/XX/XXXX falls within the {$49.00} fee for cancellation so I expected not to be refunded that amount, but to receive through the dispute process the remainder of the funds. 

Capital One credited my account on XX/XX/XXXX but then reapplied the charge and explained in a letter dated XX/XX/XXXX that I could continue the dispute by sending a detailed letter with supporting information by XX/XX/2020. I faxed my letter and supporting documentation on XX/XX/XXXX. Capital One 's letter stated they would respond within 15 business days. I waited past the 15 days to contact them, but called in XXXX to ask for an update. The customer service representative said that it was still being researched. I asked again about progress today, XX/XX/2020 and was transferred from the CSR to a supervisor then to someone else and she did not make any sense. 

First, this person told me that I needed to show a copy of a receipt proving that I paid the {$49.00} fee, but I explained that the fee would come from the original amount, then she said that I no amount would be refunded due to some government protection of hotels due to COVID losses. At that I told her that I had been scammed because that is not my fault. The original agreement should be binding no matter what happens to the economy. Then she said that I agreed to a no cancellation policy and would not be refunded. The cancellation policy was non-refundable AFTER XX/XX/XXXX, but I cancelled on XX/XX/XXXX so that does not apply and still am owed a refund of {$430.00} due to owing the {$49.00} cancellation fee. 

I was not pleased that the Capital One representative kept changing her rationalization of why I was not eligible for a refund. I am rightfully owed this amount and ended the call by informing her that I would seek assistance through a governmental entity because this is fraud and I will also seek legal assistance before closing my account with Capital One. I am not only disappointed with Capital One for not being able to correctly understand the language of a contract, but I am also disappointed with XXXX for not protecting customers who think that they provide direct services and leave their customers open to predatory practices of their contractors.
Product: Payday loan, title loan, or personal loan

I borrowed {$1500.00} from the company. Know as XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX. So far I have had my account debited for about {$3100.00} and company says that account balance is {$1300.00}. I feel that interest was too high. I went to XXXX bank  and got very little help. They gave me phone numbers, but I've had very little success talking to a live agent.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. XXXX account : XXXX, XXXX XXXX account XXXX XXXX, XXXX acct number : XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud