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

On XXXX XXXX, 2017 we deposited a check in the amount of {$66000.00} XXXX dollars into our Key Bank account. At the time of deposit, we were provided a XXXX Collections Form from XXXX XXXX No other notices have been provided. As of XXXX XXXX, 2017 we have 1 ) not received the funds 2 ) the bank can not provide us any information about the check, when we might expect the funds to be in our account, or even what the expected amount of the deposit will be in US dollars. Upon contacting the bank branch, we were told that they did not have any information however the Relationship Manager would call on Monday and try to obtain a status. No call has been received from said Relationship Manager. On Monday, XX/XX/XXXX I called Key Bank to initiate a complaint, and was told it would take approx. 5 business days for a return call. 
At this point, it has been 17 business days ( not including Saturday ) and we have received no information whatsoever from the bank, nor do they seem inclined to be concerned on our behalf.
Product: Credit card or prepaid card

On XX/XX/2020, I made some purchases at Kohls and there was a promotion to save additional money if you open a Kohls charge account. I opened an account at the store to pay for the purchases that day. I then received a statement on XX/XX/2020, with a late fee. Apparently, the cycled my billing period on the same day that I made the purchases ( XX/XX/2020 ) and they charged me a late fee before I even received the bill or the physical card. 

I called to have them correct the problem and they stated they would remove the late fee and I paid off the complete balance. I even paid them {$1.00} in interest because they could not remove it, even though it should not have been charged because they closed the billing cycle the day I opened it. I tried to access my account online but could not because I had not received the card. 

Two months later ( Tuesday, XX/XX/2020 ), I received the first and only email from Kohls stating that I needed to make a payment. I called them again and apparently they hadn't removed the late fee and had charged me another late fee on top of the initial, erroneous late fee. They stated they would remove the late fee again and to check back before the billing cycle date on the 11th to be sure it was removed. I finally got access to my Kohls account online but there are no statements available. 

I tried to call back on Friday and after 40 minutes on hold I hung up. I tried to call back again on Monday and hung up after 20 minutes on hold. 

Finally, on XX/XX/XXXX I got through to a representative in a reasonable amount of time and after an hour+ on the phone the explaining to the representative the problem, he was able to confirm that my account was paid in full, that they closed my billing cycle the day I opened my account, and that they failed to remove the initial late fee. 

I explained to the rep that I have an XXXX credit score and that they need to correct my credit file if they report me as past due. The rep stated they would submit a case to have the issue corrected but now my credit report shows a late payment and they dinged my excellent credit. 

Kohls has failed to address this issue in a satisfactory manner, they have no escalation measures to address these types of predatory practices and they have not taken the steps they stated they would correct their errors. My account now shows a {$0.00} balance but my credit score is now at XXXX down from XXXX according to XXXX.
Product: Debt collection

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists, I sent a proof of Validation letter and was not able to get proof that these accounts werent mine.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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 has violated my rights. 

I looked at my Experian credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name XXXX XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

The company has violated the Electronic Funds Transfer Act and also 15 USC 1666h of the Truth in Lending Act by removing/transferring deposited funds from my consumer checking account without my expressed written consent. The funds that were removed/transferred were applied to other alleged delinquent credit card accounts to satisfy alleged debts. 

Due to the companys actions, my consumer accounting has been severely thrown off and has created a snowball effect within my consumer finances as a whole. 

On Friday, XX/XX/2023 I spoke with a XXXX, alleged supervisor in resolutions who became extremely rude as I expressed my rights as a consumer. XXXX began to express that I am bound by the company 's agreement. I informed him that I can not be bound by any agreement that violate my rights as a consumer. I also made him aware that my consumer relationship with the company is only governed by the Consumer Credit Protection Act and any other Act of Congress put in place to protect the rights of consumers. He proceeded to become extremely loud and disconnected the call abruptly. XXXX 's actions shocked me and cause me to lose faith in the financial institution and caused deep discouragement. 

I then called back immediately and spoke with XXXX, supervisor in resolutions who heard my complaint and listened carefully. Unfortunately she did not have the power or authority to redress the matters mentioned, but directed me to address my concerns with Navy Federal 's message center.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 ) section 604 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit card or prepaid card

Best Buy services, always says oh your score is too low, this means I am discriminated against, I have been turned down five times, it seems like they only help people with High credit do not discriminate against, fix the problem
Product: Money transfer, virtual currency, or money service

Name : XXXX XXXX Complaint against : Coinbase Subject : Coinbase XXXX employees compromised my profile to International Hackers. 

On XX/XX/2022 ... Hackers from Coinbase entity in XXXX hacked my Coinbase account resulting to a complete wipe-out to my entire equity positions held with Coinbase, valued 11000.XXXX Soon as I fount out that my account was compromised, I called and held a few meeting with Coinbase support team which I was reassured that my account will be restored to the fullest. In addition, I had contacted XXXX XXXX which the hackers were attempted to withdraw roughly {$10000.00} on my checking account. As the matter fact, my checking routing # and the account number were integrated in my profile, and the hackers had access to that piece of information which they used to withdraw {$9500.00}. Fortunately, XXXX has a robust regulatory compliance program that triggers alarms whenever malfeasance shown to their system, which ultimately stopped them from the get go. 

Coinbase company is very unreliable partner in that endeavor, it seems Coinbase is in collision or partenering with the hackers to steal their own clients fortune.. Therefore I need my account to be restore in full and request the government to prosecute Coinbase executives for allowing these kinds of practices to happen in regular basis
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been sending letters to XXXX and Transunion for months now and I have repeated myself over and over again. I am extremely concerned about the actions they are having on my life..I am attempting to apply for credit and the accounts are keeping me from moving forward on my transaction.. I do not own XXXX XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX
Product: Checking or savings account

I received a call from my bank on XX/XX/year> around XXXX regardless a XXXX  transaction. I told the guy ( XXXX ) that I know about the XXXX  & there wasnt anything to worry about. He said after that my account is being placed on hold to investigate my XXXX  transactions on my account. I had no issue with that because there is no fraud on my account. He said it will take approximately three days for them to come up with a solution. I called immediately on Tuesday XX/XX/year> trying to get in contact with this guy & the customer service people kept saying hes unavailable. I finally reached him Friday XX/XX/year> asking him what is going on with my account & he said they came up with a solution close my account & my funds cant be released to me until 120 days. I read up on it, looked through my terms agreements & not once yet I found they are able to hold my money that long & not tell me why it was even closed from the jump. I then asked him can I just get my funds from an actual branch & he said no.
Product: Student loan

Contacted Navient several times for assistance with IDR plans and other SAVE plans. Was locked into repayment plans that I could not afford and could not make timely payments for which has affected my ability to purchase a home, and decrease my debt to income ratio. 
Asked several times for assistance with lowering my monthly payment and was an advised that I could not. 
I was very cooperative and willing to make payments toward my student loans but could not afford the plan provided to me by XXXX. This has caused extreme XXXX and XXXX  to the point where I can not function daily due to the worries about student loan payments. I have also not been able to secure employment that affords me the opportunity pay off the loans in a manner sufficient with the education that I received. The economy, cost of living, inflation. And low wages prevents me from affording the plans offered by XXXX  and I was not able to place my loans in deferred or forbearance status without incurring additional interest. 
XXXX  sent several messages to be regarding making payments that I could not afford.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is an issue with only Equifax Legislation was passed last year XX/XX/XXXX regarding changes to medical debt collection. The specific change that I am referring to is the removal of all medical collection debt from an individuals credit bureau file if the debt is less than {$500.00} I notified Equifax several times and the latest was on XX/XX/XXXX and followed up on XX/XX/XXXX. Case number XXXX I requested and requests for them to remove the {$240.00} medical collection being reported by XXXX XXXX and XXXX. It is even showing the account opened on XX/XX/XXXX and update on XX/XX/XXXX. This should not even be an issues. This is supposed to be REMOVED per the legislation that was passed XX/XX/XXXX. I have gotten nowhere on the phone and spoke with three supervisors. I was told we will get around to it in the second half of the year UNACCEPTABLE
Product: Debt collection

I am trying to dispute this charge because I feel like the waverly on the lake was in violation of the lease that I signed as well as infringing on my civil/tenant rights. 
I would have never stayed here had I known all of these issues. Constant fires due to outdated electrically systems and firewalls. 
I didnt catch this when researching them because instead of fixing the problems this complex repeatedly changed names to hide the fact that there are constant fires displacing many families. 
1. XX/XX/year> Locks on entry doors to the buildings were broken. ( Told them multiple times and they did nothing about it ) One day we had to yell to some people in the field not to light off fireworks.

The field is primarily long dried grass. ( also didn't want another building fire ) They gained entry to our apartment and made threats as they were banging on our door.

Called the police, made a police report. The field actually started to catch fire and the police officer had to put it out. The doors do not lock or hinge properly and this allowed them to gain access to our building. ( Fearing for our safety ) 2. Air conditioner XXXX XXXX early XX/XX/year> We had no air condition almost our entire summer in this new apartment. 

My roommate has Pots. Without AC it increases flare ups due to her medical condition. 

Also because of no AC temperatures rose to XXXX degrees indoors with humidity and no circulation. As we know high humidity can lead to growth in mold due to moisture. 

Our dog has been suffering from multiple symptoms of XXXX and XXXX which we presume to be related to hidden mold. 

3.We ourselves were victims of XXXX fires within the span of XXXX months. 

Both times we were relocated to another unit within the complex. 

4.Since moving to this unit in XX/XX/year>, we have now seen XXXX more buildings burn down to nothingness. Also witnessing people jumping from their balconies to escape. Quite a scary site. This displaced XXXX dozen families. 

5. Due to the continuation of fires within the complex we fear we will be yet again be victims of another fire. We didnt want to spend another day in this complex out of fear for our lives. They couldnt guarantee our safety or that another fire wouldnt happen. Electrical was outdated along with the fire walls. There were no exit signs that worked and no outdoor lights that were working. 


Also due to lack of maintenance and upkeep there were vent drier fires from build up of lint. Since our time being there they never once cleaned any vents or drier vents. Due to all of the fires we experienced I am still trying to recover financial. 

That being said, we found a new complex to move into, but they only had an opening for XXXX first. So we wanted to jump on the opportunity to move into a new place that we will feel safe. Me myself due to these traumatic events have caused me to develop post traumatic stress disorder. I can barely sleep at night ; with the fear that I will wake up to another tragedy. 

This collection has brought my credit from the high XXXX to the XXXX. 

Please help! 
Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion, XXXX reporting inaccurate information 15 USC 16815-2 ( A ) ( 1 ) ( E ) ( il ) : Rehabilitation of private education loans, this loan has completed the rehabilitation process, DELETE NOW
Product: Credit card

Ive booked XXXX tickets with XXXX XXXX on XXXX Ive had an issue with my sky miles number. Ive googled the sky miles customer service and called a number only for fixing the number. 
They pretended that they are XXXX which they were not and told me in order to fix that problem they need to cancel my original tickets and reissue another ticket and I will get refund from delta. They ( XXXX XXXX ) charged my credit card for {$4100.00} on XX/XX/year> for new tickets and they gave me the same tickets from XXXX with the same ticket number and same confirmation number. 
Since then Ive disputed this charge 4 times and every time American Express closes my dispute and leave the charge on me. Ive sent my original tickets to AMEX to compare the numbers with XXXX XXXX documents but they dont listen. 
Ive been charged XXXX times for same tickets.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a credit card and I got denied. I was not told the reason on why I got denied. I went home and decided to get a copy of my credit report on XXXX   XXXX and I saw various items that had been open from XX/XX/XXXX-XX/XX/XXXXand one item in XX/XX/XXXX. These items are not mine. Someone has used my information to open up all these fraudulent accounts. Please take them off my credit report. 

XXXX XXXX {$680.00} XXXX   XXXX  XXXX {$250.00} XXXX   XXXX XXXX {$420.00}
Product: Checking or savings account

Me Date : Tuesday, XX/XX/XXXX at XXXX XXXX  Can you close all of my accounts and send me check for the reaming balances? 

Sincerely, XXXX XXXX Message from Sandy Spring Bank XXXX : Friday, XX/XX/XXXX at XXXX XXXX  Dear XXXX XXXX, Thank you for your message. The fee associated with mailing an official check for the remaining account balance is {$10.00}. You may avoid this fee by visiting a local branch, utilizing the external transfer or XXXX  feature via online banking, or by withdrawing the funds via check or ATM prior to requesting to close the account. To continue closing the account via online banking, please reply to this secure message confirming that you accept the cashiers check fee and verify the mailing address that youd like the check ( s ) to be delivered to. We will close the account and send an official check ( s ) for the remaining balance less the {$10.00} fee.

Thank you for banking with us. We appreciate your business. Please let me know if I may be of further assistance or call our XXXX XXXX XXXX at XXXX and press 2. 

Thank you, XXXX XXXX. 



Message from Me Date : Sunday, XX/XX/XXXX at XXXX AM Thanks for responding. I accept the {$10.00} fee to close my accounts ( checking and savings ). Please mail a cashiers check to my address listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX Sincerely, XXXX XXXX XXXX Message from Sandy Spring Bank Date : Monday, XX/XX/XXXX at XXXX XXXX  Dear XXXX XXXX, Thank you for your message. Per your request, we will close both accounts This may take up to 3 full business days to complete. A Cashiers Check for the remaining balance, less a {$10.00} Official Check fee, will be mailed to the specified address. Please allow 3-5 business days for delivery.

Thank you for banking with us. We appreciate your business. Thank you for your past business. Please let me know if I may be of further assistance or call our Client Service Center at XXXX and press 2. 

Thank you, XXXX XXXX. 


Message from Me Date : Saturday, XX/XX/XXXX at XXXX XXXX  Hello XXXX, I had requested that my accounts be closed on XX/XX/XXXX and as of today ( XX/XX/XXXX ) they are not closed. This has been over the " This may take up to 3 full business days to complete. " Why has this not been completed in the 3 full business days? What is the issue? 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX Message from Me Date : Tuesday, XX/XX/XXXX at XXXX XXXX  Hello XXXX, I had requested that my accounts be closed on XX/XX/XXXX and as of today ( XX/XX/XXXX ) they are not closed. This has been over the " This may take up to 3 full business days to complete. " Why has this not been completed in the 3 full business days? What is the issue? 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX
Product: Student loan

I applied to the SAVE program in XXXX through studentaid.gov because XXXX website was down. They got my application 5 days later and it has been processing ever since. I have gotten XXXX word or updates to why there could be any delays. 
When I called, and asked if this forbearance would count toward my PSLF they said No, which is incorrect. My forbearance has run out as of today with no communication regarding my SAVE application.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX My Moms Bankruptcy ended I noticed that XXXX XXXX was reporting during the bankruptcy that our Mortgage was 90 -180 Days late every month on on Both Credit reports (. ) in XXXX I received her Discharge and we sent letters to all 3 Bureaus XXXX, XXXX, Trans Union all 3 said they would contact XXXX XXXX doing business as XXXX XXXX XXXX upon contacting XXXX all 3 were told that they were reporting it right and it would stay that way, So I contacted XXXX XXXX and explained that it was illegal to report inaccurate information on credit reports and that I would seek legal remedy, Consumer Financial Protection Bureau was contacted sent all 3 credit reports and the complaint letter to 3 credit bureaus in XXXX, XXXX and now XXXX XXXX XXXX ( KNOWINGLY Deleted ) our Mortgage on our reports and so we could not show a mortgage history which would keep us from getting a loan from another bank? and would keep our credit score down so we could not qualify for any other loan? I have the documentation from the credit bureaus showing it was there in XX/XX/XXXX and before although it shows them reporting it late 90-180 days again that is illegal, so I filed several complaints and have tried to speak with them and have had them say time and time again that its correct and they are not changing it, Well in XXXX i received notices that they were reporting our information incorrect and they would fix it and they were sorry? I am going to sue XXXX XXXX for this as they have lied to a Congressmen 's office that checked into this as I am a Veteran, This has financially ruined us, we have gotten no loans with reasonable APR 's and We have paid more for all Purchases We still have not had fixed and now were forced to sell our property as we couldn't get a loan for the Mortgage that our report doesn't show.