23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Filed a flight through XXXX for a flight XX/XX/XXXX. Ended up not being able to attend flight due to policy at work regarding the time off at work XX/XX/XXXX. XX/XX/XXXX is considered a blacked out month and they will not allow any vacation time at all due to the sheer volume of work ( shipping company ). I had purchased an additional {$10.00} insurance specifically for canceling which is what it advertised without giving any of the details. I tried to cancel flight today on XX/XX/2016. Turns out, they charge an additional {$25.00} dollars to cancel the flight. I then have to go through XXXX XXXX who offers the cancelation insurance. After talking with them, they send me the details that the only cancelations that are approved are medical emergencies and jury duty. That is not what they advertised and that is not what I purchased. XXXX is charging me now a total of {$210.00} for a flight I can not take due to it now being canceled and they " do n't offer refunds on this type of flight '' is what the customer service representative told me over the phone. They refused to transfer me to a manager. Gave me info regarding trip mate cancelation to which they will not process your claim unless the flight is canceled so you have to pay the {$25.00} for a flight they can not refund. According to my cancelation confirmation email, I am refunded {$140.00} with XXXX XXXX. To use this credit, I have to spend a {$200.00} penalty on top of the credit. This is straight robbery. I received no service outside of my time wasted by customer service and policies regarding " we ca n't do anything. '' I want my money back and people to be warned of the shady tactics that cheapoairlines does in business with trip mate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone has been using my information to open lines of credit, credit cards and bank accounts. These inquires dont belong to me and should not be affecting my credit score by appearing on my credit reports. Please have these removed ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXX Inquiry dateXXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XX/XX/XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXXXXXX XXXX XXXXXXXX XXXX XXXXnquiry XXXX XXXX, XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry dateXXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX, XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Inquiry dateXXXX XXXX XXXXXXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXXXXXX XXXX XXXXXXXX Inquiry dateXXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX
Product: Mortgage

My home equity loan became behind ( 3 months, I believe ). When I learned of this, I made arrangements in XX/XX/2019 to pay a portion ( {$600.00} ) over the phone with the remaining the following week ( with a scheduled phone payment for the balance ). I have 3 accounts with my PNC bank, a checking and 2 savings. I had received a sum of money and in XXXX had over {$3500.00} in my checking account and less than {$200.00} in each of my savings accounts. When I made the phone payment for each transaction the portion of {$600.00} and the balance thereafter, my assumption is that the representative would have set this up to come out of my checking account since that account would have supported those amounts ; however, instead the representative set this up to pull from my savings account which had less than {$200.00} at the time. I was not asked for an account number to provide and assumed the account with the money supporting such transactions would have been used ... since again, I was not asked. As a result, of thinking the funds had cleared my account, I paid other bills and spent my money as usual. When I received a notice saying the funds were returned, I was perplexed ; however, discovered why when reviewing my accounts. I called PNC to make them aware of their mistake and asked about recourse for the mistake. I was advised a message would be forwarded and I would receive a response. Unfortunately, at that time, I no longer had the funds available to pay and bring my account current ... and unfortunately had some unexpected expenses. I am requesting to have my credit corrected as if this error did not occur and for any credit reporting thereafter to solely attribute to my inability to pay. 

I am attempting to acquire a loan with XXXX XXXX XXXX and am being told that because of this account showing 120 day late, I am unable to move forward ... otherwise I would be able to. 

If you are able and the calls were recorded, you will find that my statement/complaint is accurate.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX has been trying to collect on a debt that has been previously disputed as ID Fraud. I am formally submitting a complaint against XXXX XXXX XXXX and XXXXXXXX XXXX XXXX for trying to collect on a debt that has been opened without my authorization and or permission. I have attached my signed and notarized FTC Affidavit, police report which is needed to halt all further collections and have these items deleted from my credit reports and other reporting agencies that thy use
Product: Checking or savings account

Capital one added me to an account as a joint account holder without my knowledge and they are refusing to give me anymore details.
Product: Payday loan, title loan, or personal loan

On Friday XX/XX/2021, I was attempting to Purchase an XXXX XXXX XXXX with XXXX XXXX XXXX. This is a monthly installment plan, financed through Citizens One. You can see the link here : https : XXXX I was able to move through the XXXX, inputting my personal information, including Social Security Number to have my credit checked by Citizens One before proceeding to the " Place Your Order '' page. My credit was approved, but when I went to " Place Your Order, '' I got an error. I assumed that this meant that the device sold out. 

I contacted XXXX XXXX support and was told that when I received a Welcome Email from Citizens One, I would be able to place the order. I received the email about 1 hour later, at which point my shopping cart had timed out. I set up my account on their website anyway : http : XXXX After setting up my account and logging in, I noticed that my Available Credit on the Citizens One account was diminished by the cost of the XXXX XXXX XXXX package ( {$920.00} ). But again, I never got to place my order with XXXX XXXX. I contacted XXXX XXXX customer support again. 

After the ( very kind ) representative took time to investigate and see what happened, she informed me that the XXXX were sold out, but that XXXX XXXX could not do anything about the loan, and I should contact Citizens One. When I tried to call them, I was presented with a phone menu that did not allow me to speak to a customer service representative or give me any relevant options that would help resolve my issue. 

As of the time of this submission, 5 hours later, XXXX XXXX is still allowing people to set up a Citizens One account, but not actually checkout and purchase the XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit report are in violation of laws 15 U.S. Code 1666b - Timing of payments 15 U.S. Code 1681e - Compliance procedures 15 U.S. Code 1666 - Correction of billing errors XXXXXXXX XXXX XXXX XXXX  Dates XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself. Regardless of the multiple written requests, the DPT ED/NAVI account listed below is still reporting on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.

( DPT ED/NAVI XXXX )
Product: Credit card or prepaid card

I have been doing business with Synchrony for a number of years using their Amazon credit card. I recently made the decision to stop doing business with Amazon and have been cutting ties across the board and changing my credit accounts. Part of that means stopping my Synchrony Amazon account, which is marked for closure due to disuse. I opened a XXXX card with Synchrony due to it's rewards program, but still planned to discontinue use of my card. Unfortunately, Synchrony closes these accounts automatically. Such a closure would impact my credit score substantially. I asked the bank if they could move the limit over to the XXXX card to preserve my credit limit. 

They refused outright and said there would be no way to protect my score in this situation. I called to attempt the matter on XX/XX/2021 and spoke with multiple managers. This is an abuse of my consumer protections as it forces me to either use a financial product I do not want to use and is being forcibly closed, or suffer an impact to my credit score.
Product: Credit reporting or other personal consumer reports

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX XXXX XXXXXXXX XXXX XXXX  XXXX, CA, XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/year>XXXX XXXX
Product: Credit card

On XXXX/XXXX/16, applied for a credit line increase on my mastercard account with Barclay USA. I received a denial letter dated XXXX/XXXX/16, this denial letter reflected an incorrect credit score, incorrect denial reasons, and was outdated back to XXXX/XXXX/16 ( over XXXX wks ). Barclay claimed they received this credit information from XXXX. On XXXX/XXXX/16, I got my annual free XXXX credit report, report reflected the opposite of what Barclay USA Mastercard Services claimed. On XXXX/XXXX/16, I contacted XXXX, rep " XXXX '', verified no negative information on my credit report and gave a XXXX point increased different credit score than what was reflected in Barclay 's USA letter dated XXXX/XXXX/16 to me. On XXXX/XXXX/16, I then contacted Barclay USA, rep " XXXX '', questioning the incorrections & not current credit information & score. I additionally asked why my statement which was due on XXXX/XXXX/16 was still not processed nor was there interest fees correctly updated & reflected. " XXXX '' asked to " hold on '' so she could get her service manager on the phone, " XXXX '' then transferred me instead to XXXX, rep " XXXX '', who also again reflected that Barclay USA written claim denial of credit information & score was inaccurate. I then asked XXXX rep XXXX for written XXXX credit report be sent to me due to Barclay 's credit increase denial for written verification directly from them, in addition to my free annual credit report obtained online on XXXX/XXXX/16. My complaint : Barclay USA Mastercard Services Company appears to be in violation of the " Fair Credit Reporting Act '' & using " Deceptive Credit Consumer Tactics '' with utilizing " outdated '' consumer credit information & inaccurate credit scores in their business letters, and additionally deceptively trying to pass the " blame '' on to XXXX Credit Bureau in the process. Please additionally note, that in XXXX 2016, my original Barclay Mastercard, a CHIP card, was breached, ID theft and fraudulent charges occurred. My local police department report was made and Barclay reissued me a " new chip '' card/mastercard. It appears there is some deceptive business practices ensuing with this business.
Product: Student loan

I received two XXXX Grants : ( a ) {$3000.00} for Award Year XX/XX/XXXX-XX/XX/XXXX and ( b ) {$4000.00} for Award Year XX/XX/XXXX-XX/XX/XXXX Conditions of the XXXX Grant that would prevent it from converting to a Direct Unsubsidized Loan were : ( a ) I must XXXX as a full-time highly qualified XXXX in a high-need field, ( b ) I must submit annually a XXXX Grant Certification that states my intent to fulfill my XXXX Grant obligation and to document the the prior year 's qualified XXXX  service. 

I started XXXX at XXXX XXXX XXXX XXXX ( XXXX XXXX TN ) in XX/XX/XXXX and I sent certification for the calendar year of XX/XX/XXXX-XX/XX/XXXX.
I graduated with a XXXX on XX/XX/XXXX. ( Evidenced ) In a letter dated XX/XX/XXXX, XXXX  XXXX stated that my XXXX Grant Service Obligation Period Start Date was XX/XX/XXXX. ( Evidenced ) During the XX/XX/XXXX-XX/XX/XXXX school year I remained at XXXX XXXX and submitted certification for calendar year XX/XX/XXXX-XX/XX/XXXX. Due to confusion, this certification was sent on two different dates ( XX/XX/XXXX and XX/XX/XXXX ). ( Certification 1 ) ( Evidenced ) I transferred to XXXX XXXX XXXX for the XX/XX/XXXX-XX/XX/XXXX XXXX year. Certification for Calendar year XX/XX/XXXX-XX/XX/XXXX was submitted on XX/XX/XXXX. ( Certification 2 ) ( Evidenced ) I received a letter dated XX/XX/XXXX from XXXX XXXX confirming that I had two years of certification requirements remaining. ( Evidenced ) Certification for XX/XX/XXXX-XX/XX/XXXX was submitted on both XX/XX/XXXX and XX/XX/XXXX. ( Certification 3 ) ( Evidenced ) I received a letter dated XX/XX/XXXX from XXXX XXXX confirming that I had one year of certification requirements remaining. ( Evidenced ) Certification for XX/XX/XXXX-XX/XX/XXXX was submitted on XX/XX/XXXX. ( Certification 4 ) ( Evidenced ) A letter dated XX/XX/XXXX from XXXX XXXX confirmed and stated that " ... you have fully satisfied your service obligation for the program of study ... and ... You have no further XXXX, certification, or other obligations for these grants. '' ( Evidenced ) XXXX XXXX then notified me that the XXXX Grants had been turned into unsubsidized loans. 

I have made repeated phone calls to XXXX XXXX  to correct the error. 

In summation, my last XXXX Grant was received for the XX/XX/XXXX-XX/XX/XXXX XXXX XXXX year. I graduated from the XXXX Grant eligible program on XX/XX/XXXX. I then fulfilled my 4 years of XXXX and certification requirements for XX/XX/XXXX-XX/XX/XXXX, XX/XX/XXXX-XX/XX/XXXX, XX/XX/XXXX-XX/XX/XXXX, and XX/XX/XXXX-XX/XX/XXXX. It is my contention that XXXX XXXX has either erroneously or fraudulently converted the XXXX  Grants into unsubsidized loans.
Product: Credit reporting or other personal consumer reports

I am writing to complain to UNITED AUTO CREDIT CO about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, and my name is XXXX XXXX XXXX. My birthdate is XX/XX/year>. The FTC report number related with this complaint XXXXI have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing.
Product: Mortgage

I 've filed a complaint with the CFPB ( Case number : XXXX ) and received the Unethical Reply by the Mortgage company of original complaint. The review was as follows : " We 've been unable to establish contact with the authorized third party, XXXX XXXX XXXX We 'll need additional time to ensure we fully address all of the concerns brought to our attention and provide a thorough response. We appreciate your patience as we finalize our research. '' I STRONGLY DISAGREE with any suggestion that I, XXXX XXXX, XXXX have been difficult to reach! 
Upon receipt of the Unethical Response I made phone contact with CFPB to bring notice of the Unethical Response. I was directed to make another complaint, which this promotes. 
This type of Unethical Behavior demonstrates the Unethical activities of WellsFargo Mortgage. It 's unfortunate that the PRESIDENT of the institution and subsequent employees gamble with his/their financial stabilities, with the direct involvement bringing liability to such activities. 
WellsFargo must NOT be attempting to any form of contact with me and their response to my original complaint is another misleading message and is in fact one of deception.
Product: Credit reporting or other personal consumer reports

RE : XXXX Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

Asked Experian to follow suit by writing a dispute letter to delete an incorrect account and they didnt. Both XXXX and XXXX have deleted the account. Its against the law to report inaccurate information on my report. It had to be the same across all three bureaus
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been stolen and use in another state. I got a few phone calls last week from collectors asking for a large sum of money. They asked me to verify a few small details and discovered the account did not belong to me. I have included all false accounts in report. listed below is all the names and addresses used on my credit report that do not belong to me XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX addresses XXXX XXXX XXXX XXXX sc XXXX XXXX XXXX XXXX XXXX sc XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, sc XXXX XXXX XXXX XXXX XXXX, sc XXXX
Product: Debt collection

My names is XXXX XXXX Executor Of My Son, XXXX XXXX XXXX. He was killed in a XXXX XXXX that wasnt his fault on XXXX. He was a XXXX yr old XXXX XXXX. His father, XXXX were XXXX. He just bought a 2019 XXXX XXXX financed through XXXX XXXX. The Survivor Specialist just informed me they no longer offer Payment Protection/ Debt forgiveness as of XX/XX/XXXX. That would have paid his Loan off. Yet it is still advertised in there Survivors Guide. I am totally shocked that a XXXX dollar bank would expose itself and its members to such hardship. Its very reckless of the company. Please advise.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, Equifax, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, Equifax, and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.
Product: Debt collection

I received a phone call from Revco Solutions on XX/XX/year> from a XXXX stating that I should call XXXX. I called the stated number XX/XX/year> at XXXX XXXX stating that I was returning a call using the number left and that I'd identify myself with my name. The agent told me that I would need the phone number that I was called at. I told her that I wouldn't provide that information at the moment, to which she responded " Have a good day '' and the call was ended. 

More importantly, the debt that they're likely referencing is a medical debt that is not owed by me -- as it's a billing mixup between the hospital and my health insurance -- and the resulting balance owed to them is unequivocally {$0.00}.