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

I was informed by my financial advisor that a good strategy to pay down my high interest credit card was to apply for a cash balance transfer card. I applied for a cash balance transfer with XXXX XXXX and was denied. 

She suggested I research some credit unions which might be able to supply me with a cash balance transfer so I googled some on XXXX and applied for three credit cards, all credit cards happened to be serviced by Elan Financial Services. The options available local to me were not as good as they were with the three other accounts I applied for ( XXXX, XXXX and XXXX ). Those three cards had the terms that would be best for my personal situation so I applied for them. 

I received mail that my application was denied, I called XXXX and was accused of fraudulently using a third patty broker to apply for my cards before I had a chance to provide authentication information. I asked to speak to the supervisor, who directed me to fax over additional documentation to prove my identity. I faxed my SSN, passport, Lease and bank statements. 

I didnt hear back for a few days so I called back on XXXX I was informed my documentation is illegible so I was told to email the documentation over. I emailed it over and didnt hear back, so I called on XX/XX/XXXX. 

On XX/XX/XXXX, I was informed by an XXXX representative that my application was approved and that I would receive additional information in the mail. 

On XX/XX/XXXX, I received mail from XXXX again stating they could not process my account because they were unable to verify my information. The letter was dated XX/XX/XXXX, the day after I was told my application was approved. 

When I called on XX/XX/XXXX, I was spoken very rudely to by the representative who first told me I shouldnt have emailed my information, which made me worry that my personal and confidential information was in the wrong hands. When I asked for information on why I was denied, she started to chastise me about submitting three applications for different credit unions. When I asked to speak to a Supervisor, she said the outcome will be the same and that she is unable to provide me with more information.

When I spoke with the supervisor, I asked what about my application wasnt able to validate my identity when I sent my lease, SSN and passport, he said he wasnt allowed to clarify for me. I asked if thats the case as per their internal policies that they can, he said it is. I told him it was unfair that I was initially told that I was approved and then the representative lied, he said that they are allowed to renege on a decision, I asked if that was legal and he said it was. I elaborated my situation and that I was desperate for this cash balance transfer card and he said that the conversation wasnt going anywhere and hung up on me. 

I understand the risk flags were waved for my application, but my identity authentication information along with my bank statements were all authentic. They did not want to establish credit for me and I feel it was race motivated. I was spoken to extremely rudely when I was trying my best to be polite.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im demanding a Method of Verification into the investigation of the following accounts inwhich I disputed the fraudulent accounts inwhich was opened up without my knowledge or consent. I'm requesting the name and title of the employee inwhom worked on this, the time and date, and what physical documentation was received and how it was received inwhich tied me to these accounts. And if you or your companies can not provide this detailed information within 30 days then you and your companies shall remove and block the following accounts. 

1. XXXX XXXX XXXX  XXXX 2. XXXX XXXX XXXX XXXX 3. XXXX XXXX XXXX 4.XXXX/ Dept of ED {$1200.00} 5. XXXX XXXX XXXX XXXX
Product: Debt collection

I have been disputing with this company for years and they never sent validation of debt until this year.They arent even licensed to even collect in the state of Florida.They also been adding {$10.00} on my credit report just to keep the debt fresh so the statues of limitations wont run out which is unfair.The amount they trying to collect is {$2100.00} but the original amount is {$1500.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 Equifax ( XXXX ), I sent a letter regarding inaccurate and unknown items listed in my credit report. To this day, over 30 days later, I have not been given a conclusion to this matter. I am unfairly being treated. FCRA Section 611A, clearly stated that the credit bureaus to investigated these items or immediately delete them.

The credit bureau also violated 15 USC 1681 Section 623 ( 9 ) ( b ) ( 2 ). The credit bureaus are supposed to complete all investigations before the expiration period under Section 611 ( a ) ( 1 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX have violated my rights. 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 XXXX 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: Payday loan, title loan, or personal loan

On XX/XX/2022, I initiated a loan application after receiving a call from a BHG XXXX XXXX. In the process of completing the application I mistakenly uploaded an incorrect document in place of my paycheck stub. I then proceeded to upload the correct paycheck stub and then contacted the finance director on his direct line to ask him to remove the document that was incorrectly uploaded. He stated that he was unable to delete/remove the document but that the Loan Processor would be able too. I emailed the loan processor ( see attached ) who in turn stated that the document had been deleted. After a brief while, I checked and the document was still on the portal. I proceeded to leave the Loan Processor a voicemail at that point to advise him that the document had not been removed. When I didn't hear back from the loan processor, I again contacted the Finance Manager on his direct line asking him to withdraw my application completely. Once he withdrew the application with me on the line. The two documents that I uploaded remained on the portal. On XX/XX/2022, I send an email to XXXX customer service @ XXXX and received a reply from a XXXX XXXX XXXX, XXXX XXXX, stating " I am reaching out after receiving your online web inquiry regarding the information submitted with your recent application. Unfortunately due to compliance regulations and guidelines we are not able to delete this information. We have to keep any submitted information on file for 5 years. I want to ensure that we do not do anything with this information, other than store it for policy purposes. Please let me know if you have any additional questions. '' - I proceeded to contact XXXX via the telephone number she provided in her email and additionally responded to her email to advise her that her compliance policies should not apply to me as I am not a customer, never have been, nor do I have an active account with BHG. During my telephone conversation with the rep she stated again that per their policy they are required to retain my data for a minimum of five years from the date of submission. I then requested a copy of said " policy '' in which I was advised by XXXX XXXX that she isn't sure if they have something that they could provide me but that she will check with her manager and let me know. XXXX XXXX called me back and advised me that she spoke with her supervisor XXXX XXXX, who confirmed that BHG would have to retain my information for a minimum of five years from the date of submission but that she does not have a policy in which she can provide me that states such. XXXX XXXX then referenced that per the US Patriots Act, they should retain my data for a minimum of five years should I need further clarification.
Product: Credit card

I booked a hotel with my Apple Credit Card on XX/XX/year> for {$1500.00}. The hotel had issues, and we left after a couple of days. We asked to work with the hotel while in XXXX, in person with the XXXX, but they said to call our credit card instead. Apple has refused to work with me in getting back a {$600.00} refund.
Product: Bank account or service

I deposit a check that was sent to me by a company, the bank cash it and three days later rejected and said I committed fraud. I would like to take this off because it looks like I committed fraud which i did n't it was with Bank of America
Product: Credit reporting or other personal consumer reports

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

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, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting Act XXXX XXXX XXXX ( ORIGINAL CREDIT - XXXX XXXX XXXX ) DEPT OF EDUCATION/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX COMMONWEALTH OF VA violated my rights I have not supplied proof under the estoppel by silence, Engelhardt v. gravens ( mo ) 281 SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to get XXXX XXXX deleted from all 3 credit bureaus on my credit report and it still continues to show up. I have documentation that these accounts no longer exist with XXXX since they could not validate the accounts and yet they continue to show on my report.
Product: Vehicle loan or lease

On XX/XX/year> I inquired about refinancing my vehicle with Autopay who is currently advertising an interest rate of XXXX percent through XXXX XXXX. After I input my vehicle information, I received notification of a hard pull on my credit report without anybody contacting me to go over current rates. That same day a representative from Autopay called and gave me a quote of XXXX percent and advised XXXX percent is not attainable due to current interest rates and did not know why Autopay is advertising false information. This is very concerning to me because I wasn't aware a hard pull would be performed before I was able to get confirmation on current interest rates and would not have input my vehicle information if I would've known Autopay would do a " bait and switch '' with their advertising. I understand advertised rates are an estimate but it's false advertising to display interest rates in a state where a XXXX is not even possible, especially when I have a XXXX XXXX over XXXX. I feel Autopay is very deceitful for advertising inaccurate and false information.
Product: Credit reporting, credit repair services, or other personal consumer reports

MIDLAND FUNDING LLC. add a derogatory mark on my credit report per XXXX XXXX. Upon further research, this account was PAID and close i am no longer responsible for this account. According to the FCRA, MIDLAND FUNDING LLC. has violated my rights as a consumer and i'm requesting legal action to remove this account immediately.
Product: Debt collection

I received this letter stating they're going to turn it over to law enforcement. I do not owe them anything. I've never met these people or made a deal with them. The debt they're giving details about is not anything I am responsible for.
Product: Student loan

I attended XXXX XXXX XXXX XXXX XXXXXXXX online between XXXX. I filed for borrowers defense for loans that were taken out for XXXX XXXX XXXX. All of those loans were approved for discharge and there is nothing else I need to do on my part because the school defrauded me and my application was approved because of that. I tried reaching out to navient because I saw there was an application for students with private loans that attended the schools that defrauded its students and wanted to submit an application. Navient became hostile and started talking over me when I was explaining the situation and simply wanted the application for me to fill out.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX. 
XXXX, MA XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act. XXXX XXXX Account # XXXX, has violated several of my rights. 


15 U.S.C 1681 section 602 A. Clearly states that I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : Is also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 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.

Remove these late payments and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Product: Checking or savings account

I was scammed for XXXX out of which i have sent XXXX through wire transfer from XXXX ( XXXX XXXX XXXX to the scammer account Which is XXXX XXXX XXXX XXXX  account in XXXX. I have called XXXX for recall of the wire due to scam and they did recall it and they said they communicated the XXXX XXXX via Fed reserve messaging system where as the XXXX XXXX says they never received any messages so far. Not sure whose fault and who is wrong. i have been chasing both the banks and trying to have them communicate through email. The target bank froze the account and funds are available to recover but they were looking for Hold harmless letter from XXXX where as XXXX wasn't ready to provide via email and they said they would only send details via Fed reserve system unfortunately target banks says they never get any messages. 

XXXX XXXX  account wire details. 

Account Holder XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX  Account XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX, NY XXXX, XXXX Wire Routing XXXX XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent multiple dispute letters for couple of months and still haven't received a response from the credit bureaus regarding this account : XXXX XXXX Account # : XXXX
Product: Credit card or prepaid card

On XXXX, via the online system, I scheduled a payment in the amount of {$550.00}, which, with the regular automatic payment will suffice for the amount to satisfy the last month 's balance, with the date of XXXX. Somehow the system set the date as XXXX, and when I caught the error later, I called Customer Service, but as usual, they are clueless, and the Bankcard Issuer does not allow for higher up representatives to be contacted ( which is the reason that I simply file a complaint with the CFPB to in essence effect a contact such a representative ). 

So the payment went through the system, with the bank that the payment had been withdrawn upon to reject the payment attempt ( no side effect there ), but the Bankcard Issuer will not allow me to reschedule the payment to the originally desired day- it seems to be forcing me to not make enough of a payment so as to avoid interest charge. 

On a side note, I was told by Customer Service that the Bankcard Issuer will not charge a fee for the payment being NSF ( or whatever it is called ), so that would seem to not be a problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a notarized dispute with my social security card and Drivers license ( original color copies ) to Transunion. I certified mailed my dispute that Transunion received on XX/XX/19. Transunion failed to respond to my dispute within 30 days and did not respond. I sent Transunion a second dispute letter certified mailed that they received on XX/XX/19. Transunion has had more than 60 days and continue to report unverified items on my credit report. I have attached photo copies of my records. Original color copies were mailed to Transunion. 

Note : Part of my SS # has been hidden in the attachment for security purposes.
Product: Checking or savings account

I had my account hacked by my daughter I advised Navy Federal Credit Union of this fact and we set up a password, anytime I call in or any money is transferer the customer service reps has to make sure I use the password. After setting this up my daughter was still able to transfer money from my account to her account. 
XX/XX/XXXX {$79.00} debit card XXXX XXXX, XX/XX/XXXX {$93.00}, {$2000.00} denied my fraud claim, XX/XX/XXXX transfer from checking to XXXX {$2500.00}, XX/XX/XXXX {$1000.00} transfer to XXXX  ( this is the person who hacked my acc ), XX/XX/XXXX XXXX check # XXXX {$1100.00}, XX/XX/XXXX {$1000.00}, XXXX XXXX {$17000.00} XXXX, transfer to XXXX  {$1600.00} XXXX transfer {$2300.00}, XX/XX/XXXX {$500.00} & {$400.00} XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX {$1100.00}, XX/XX/XXXX {$65.00}, XX/XX/XXXX {$90.00}, XX/XX/XXXX {$900.00}, XX/XX/XXXX trans to XXXX XXXX {$95.00} XX/XX/XXXX {$1600.00}, XX/XX/XXXX {$100.00} XXXX XXXX, XX/XX/XXXX {$120.00} XXXX XXXX, XX/XX/XXXX {$80.00} XXXX XXXX, XX/XX/XXXX {$2300.00}, XX/XX/XXXX {$400.00} XXXX XXXX to XXXX, XX/XX/XXXX {$500.00} XXXX XXXX XXXX, XX/XX/XXXX {$200.00} XXXX XXXX XXXX XXXX XXXX {$200.00}, XX/XX/XXXX, XX/XX/XXXX transfer from checking XXXX from XXXX  XXXX  to XXXX XXXX . then she XXXX it {$850.00}, XX/XX/XXXX XXXX XXXX  {$120.00}, XX/XX/XXXX {$200.00} XXXX XXXX, XX/XX/XXXX XXXX XXXX {$100.00}, XX/XX/XXXX XXXX XXXX {$100.00}, XX/XX/XXXX trans to XXXX XXXX XXXX {$2500.00}, XX/XX/XXXX {$50.00} XXXX XXXX, XX/XX/XXXX XXXX, {$5.00} XX/XX/XXXX XXXX {$5.00} XX/XX/XXXX $ XXXX {$5.00} XXXX, XXXX {$5.00} XXXX, XX/XX/XXXX {$5.00}, XX/XX/XXXX {$5.00} XXXX, XX/XX/XXXX {$5.00} XXXX, XX/XX/XXXX {$50.00} XXXX, XX/XX/XXXX {$5.00} XXXX XXXX, XX/XX/XXXX {$85.00} XXXX XXXX XXXX XX/XX/XXXX {$180.00} XXXX XXXX XXXX XX/XX/XXXX {$370.00} XXXX, XX/XX/XXXX XXXX XXXX {$180.00}, XX/XX/XXXX transfer to XXXX XXXX ( this is the person who stole my identity ) {$1000.00}, XX/XX/XXXX XXXX XXXX XXXX XXXX $ XXXX XXXX XXXX $ XXXX XXXX XXXX {$120.00}, XX/XX/XXXX XXXX XXXX  {$5.00}, XX/XX/XXXX XXXX XXXX {$50.00}, XX/XX/XXXXXXXX XXXX XXXX  XXXX # XXXX {$1100.00}, XX/XX/XXXX XXXX XXXX  XXXX XXXX {$50.00}, XX/XX/XXXX XXXX XXXX to XXXX XXXX {$50.00}, XX/XX/XXXX XXXX {$5.00}, XX/XX/XXXX XXXX {$4.00}, XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX {$65.00}, {$90.00}, {$900.00}, XX/XX/XXXX XXXX XXXX {$260.00}, XX/XX/XXXX transfer to XXXX XXXX {$95.00}, XX/XX/XXXX XXXX {$5.00}, XX/XX/XXXX XXXX  {$370.00}, XX/XX/XXXX XXXX XXXX {$65.00}, XX/XX/XXXX transfer to XXXX XXXX {$1000.00}, XX/XX/XXXX XXXX XXXX {$300.00}, XX/XX/XXXX XXXX, transfer from checking {$36000.00}, XX/XX/XXXX $ XXXX {$1600.00}, XX/XX/XXXX transfer {$2300.00}, XX/XX/XXXX wire withdraw {$4300.00}, reversed provisional creidt of {$2700.00} XX/XX/XXXX, I have voice recordings of XXXX calling into the bank playing like she is me and successfully transferring {$5000.00} without knowing my pass word that I set up with the bank to protect my account,
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to REMOVE some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be DELETED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be DELETED immediately. 

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, credit repair services, or other personal consumer reports

I spoke to an agent and she confirmed that there was no record of any late or past due payments associated with my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Background : a verification specialist at identityguard advised me last week that for social security number XXXX XXXX XXXX ( which I have understood since XXXX to be my social security number ) the 2 main credit rating agencies -- XXXX and XXXX -- have the name XXXX XXXX as the name associated with that social security number. 
The identityguard verification specialist advised me last week that the 3rd credit rating agency, Experian, has a name OTHER THAN XXXX XXXX. XXXX associated with that social security number. 
* * * When I seek to go on experian 's website, or call its toll free number, it asks me to identify myself : I provide my social security number ( XXXX XXXX XXXX ), but when I give my name -- XXXX XXXX. XXXX -- which to the best of my knowledge and belief ( and that of XXXX and XXXX ) is associated with that social security number, the Experian system says it does not recognize me ( understandable if they have another name associated with that social security number! ), and ends my effort to communicate with them. 
Seems like the perfect 'closed loop ' to keep Experian from ever resolving this problem ( I know I could send a message to experian to a P.O. Box by 'snail mail ', but I very rarely use the U.S. mail any more : I do virtually all of my interactions using my cell 'phone and my P.C. ) : hopefully, you can use your good offices to get them to check with XXXX and XXXX, and if they have no particular reason to hold on to the different name they have associated with my social security number, hopefully they will correct their file to be in conformity with what XXXX and XXXX have! 
* * * Thanks very much for your help in this, and bringing this to Experian 's attention for their consideration. 
With appreciation, XXXX XXXX. XXXX ( d.o.b. XX/XX/XXXX ), who believes his social security number is -- in fact -- XXXX XXXX XXXX.
Product: Student loan

ACS has stated that I have used all of my forbearance and I have not I asked them to provide with documentation and they have not. In the mean time they are charging me late fees and saying that my account is past due.