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

On the XXXX of XXXX, SoFi Bank received a transfer from XXXX XXXX XXXX XXXX  XXXX XXXX XXXX in the amount of {$XXXX}, creating a total account Balance with XXXX in the amount of {$XXXX}. XXXX then automatically restricts account, and nearly immediately after shuts down the account entirely. I call the following day ( XX/XX/year> ) to ask about why it was closed. I received word that my account was flagged for fraudulent transfers which is untrue, XXXX transfers did not go through due to the structure of the XXXX Savings account ( it doesn't support ACH ), but the issue was resolved when it caused a restriction on the account prior to the incident and that my check will arrive in XXXX Business Days. The timeline amounted to XXXX. I did not receive the check in this window. I called SoFi bank again on XX/XX/year> to inquire about where my check was. I was told that it had up to XXXX business days to arrive, leaving the end of the window at XX/XX/year>. Once again, I did not receive the check by this date, and I called on XX/XX/year> to ask again where my money was. This led to the most dramatic change of story. During this phone call, I was told that my account wasn't processed closing, and then when it is done processing, it will take either a. XXXX business days if they decide to return the funds through XXXX to the external account or b. up to XXXX business days if they send out a check. I called again on XX/XX/year> ( the day of this complaint ) and once again asked where my money was. I was told that I would receive the check XXXX business days from its issuance. When I asked the XXXX representative when it was issued and I was told : XX/XX/XXXX. I stated that I hadn't received the check yet so it was clearly lost or not issued. The representative " sent '' it to a team and told me that I will receive word on what is happening in XXXX - XXXX Business Days. This happened but a few moments ago, so the situation is still ongoing.
Product: Credit card or prepaid card

I am a victim of identity theft. 
On XX/XX/XXXX someone fraudulently used my Barclays XXXX XXXX credit card to purchase an item from XXXX, in the amount of {$1400.00}. BARCLAYS did not tag this as fraud. 
XX/XX/XXXX I first became aware of this purchase when Barclay contacted me regarding a charge of {$.00} on my account which I told them was fraud. At that time we reviewed all other charges on my account and that is when I became aware of the fraudulent charge from XXXX  of {$1400.00}. At that time BARCLAYS removed the charge on my account and marked it as fraud. 
I DID NOT PURCHASE THIS ITEM AND I DID NOT RECEIVE THIS ITEM. 
XX/XX/XXXX BARCLAY called me and told me the merchant, XXXX provided them evidence that I had made the purchase and that I signed for it when it was picked up from XXXX on XX/XX/XXXX. 
BARCLAY put the charge back on my credit card. 
I contacted XXXX and received a copy of their Invoice which has my name, address, phone number and email. Whoever purchased the item had it shipped to my HOME. XXXX attempted to deliver it on XX/XX/XXXX however it required a signature and there was no one home. on XX/XX/XXXX the package was picked up from XXXX XXXX, CA location and signed by XXXX XXXX. I WAS UNAWARE OF THE ATTEMPTED DELIVERY AND DID NOT GIVE XXXX XXXX PERMISSION TO PICK UP THE ITEM. I DID NOT ORDER THIS ITEM OR RECEIVE THIS ITEM. 
I WAS OUT OF TOWN IN FLORIDA FROM XX/XX/XXXX - XX/XX/XXXX. I WAS UNAWARE THAT XXXX ATTEMPTED A DELIVERY. 
I have provided BARCLAYS documentation on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX that I am a victim of identity theft and that I was out of town when XXXX attempted to deliver the item and when it was picked up. I have reported this to the Police, Federal Trade Commission and filed a claim with XXXX. BARCLAY is still refusing to remove this charge from my credit card. The last time I spoke with them they told me that I have a daughter, XXXX XXXX, who resides with me, and XXXX picked up the item. I have provided documentation to BARCLAYS that my daughter has not lived with me for many years and that she was in Florida with me while XXXX attempted to deliver the item and was picked up at XXXX. XXXX is unable to provide me a copy of the ID XXXX presented when it was picked up and unable to provide me a copy of the signature when it was picked up. XXXX refuses to issue a credit for this charge and has told me I must work this out with BARCLAYS XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and XXXX has not comply with the FCRP law, I have sent validation letters to prove the accuracies of my credit report XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX  I have no known acknowledgement and accounts have been sold to a third party so I want documentation on how much they sold the account for and yet to respond. After 30 days of no validation accounts should be removed. I have a fraud alert and credit monitoring and I have not been spotting for credit and I have so many inquires that I didnt request that I will like removed. This is so frustrated
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second complaint against the bureaus. They are being ticky tacky about things so I guess I will be to. Since they want want to specific disputes I guess I will list all of them kind of stupid since they already know them .Here the list they wanted 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 All of these are over 7 years old and need to be remove from my credit reports. I dont know what other information they could possibly want at this point.
Product: Student loan

I have been trying to access my student loans for several weeks. I can not register an account with aidvantage because it tells me my ssn and/or dob does not match their records. I can not use the email/online tools to contact them without an account. If I call, the automated voice prompts me to go online for help. I am going insane trying to just be responsible and pay my loans. This is insanity and AWFUL customer service.
Product: Credit reporting, credit repair services, or other personal consumer reports

i am responding to this on a different complaint again but same issue. 

From previously closed complain : Company 's Response XXXX XXXX XXXX " The Office of Consumer Advocacy ( OCA ) at XXXX XXXX XXXX XXXX XXXX ( XXXX  ) received your correspondence through the Consumer Financial Protection Bureau ( CFPB ) portal regarding your student loan which was previously serviced by XXXX XXXX XXXX ( XXXX ). The XXXX performed a review of your Continuing Education Loan ( CELN ) held by the XXXX XXXX XXXX XXXX XXXX ( XXXX ). Specifically, we reviewed the loans financial activity and credit reporting. In your inquiry, you expressed concerns about the unfavorable credit reporting that occurred on the loan. Because the loan had been current prior to the cosigners bankruptcy filing, you requested for the charge-off to be removed from your credit report. As you may already know, the cosigner on the loan filed for bankruptcy on XX/XX/XXXX. As a result, the XXXX defaulted in accordance with the terms of the Credit Agreement. At the direction of XXXX, the loan transferred from XXXX XXXX XXXX to XXXX collection manager, Transworld Systems , Inc. ( TSI ), effective XX/XX/XXXX. This information was submitted to the consumer reporting agencies. XXXX received and investigated your credit reporting complaint. XXXX investigation included the review of all relevant account history and documentation, including any information you provided. Based on this review, XXXX determined the information reported is accurate. Therefore, no adjustments will be made to the credit report. No further action is planned by the Office of Consumer Advocacy at this time. If you require any information on the status of the loan after its default, please call the collection manager, TSI, directly at XXXX ( telephone number ). For additional questions regarding your loan prior to its default, please feel free to contact XXXX directly at XXXX. Loan representatives are available Monday through Friday from XXXX XXXX to XXXX XXXX., ET. '' Ill be short and to the point. This account is a charge off supposedly XXXX owns it and TSI is currently in possession of my account. Id like to be provied proof and documents that XXXX actually owns this debt and that i even owe them. Provide the transfer paperwork and verify this debt showing the transition from XXXX  XXXX XXXX and when it was a XXXX loan back in XXXX. If this account cant be verified and proven that XXXX legally owns this please remove and delete from all 3 credit bureaus. 
Its been over 4 years since it was charged off and there is no other collections or accounts after XXXX charged it off. I believe this is an unverified debt and is noncollectable. As you can see i was current since XXXX has advised to Default and practice unfair practices I will be expecting proof of ownership and legal right to collect and if this cant be resolved here i will resort to legal action.
Product: Debt collection

Received a debt collection letter in the US mail from Navy Federal Credit Union ( NFCU ) ( in error ) for {$1000.00}. 

Spoke to the customer service representative at XXXX, XXXX concerning the debt letter. Advised them I CLOSED my accounts. Approximately 2 weeks ago I went to the XXXX branch in Kentucky and closed my accounts. Customer service issues over the years. The representative finally tells me " it was sent out in error, disregard ''. Not willing to send a written retraction. Asked to speak to the manager and was DENIED. I did NOT believe it was accidentally sent out. 

A supervisor by the name of XXXX answered the phone, and told me I closed the accounts improperly and it appeared to be a debt. The XXXX branch closed the accounts, not me! No letter of retraction, or written apology offered. I do not know what to believe from Navy Federal Credit Union. This may impact my credit, so I am sending a copy to XXXX XXXX. This warrants harassment by NFCU. 

I closed my accounts 2 weeks ago and I asked for a cashier 's check. It was given by the XXXX branch in Kentucky. I took the check and deposited in a bank near my address in XXXX, KY. I was a member for 34 years. Retired from the service in XX/XX/XXXX with 24 years of honorable. I have had one problem after another with NFCU. 
Too numerous for this posting! Get wise and bank with XXXX.
Product: Vehicle loan or lease

I called Hyundai Finance on XX/XX/21 to move my due date to the XXXX or XXXX of each month because Im having a medical emergency and Im getting pay every XXXX weeks, I cant pay on time. My regular payment is on XX/XX/21 which I cant pay on those dates. I try to talk to this company and they told me to pay the late fees they can not do anything for me. Im calling them in good faith and also I dont want to pay late fees and to go in my credit report. They did not care, customer service was very rude and basically told me to pay the late fees. I think is unfair and they should work with people that are trying to pay their bills. I called this same company XXXX months ago and they did moved my date. I dont know why they are not doing it now.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX XXXX # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; 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 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

There are 3 loans reporting on my credit report in the amount XXXX, XXXX and XXXX. They are reporting 90 days late when these loans were suppose to have been in deferment. Ive spoken to several representatives about this issue and nothing has been done about this inaccurate information being reported on my credit file.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Formal Dispute of Inaccurate Information Under the Fair Credit Reporting Act ( FCRA ) Dear XXXX, I am writing to dispute inaccurate information reported on my credit report concerning an account with XXXX. Under the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX et seq., I have the right to dispute information that is incomplete, inaccurate, or unverifiable. The account details in question are as follows : - Creditor Name : XXXX XXXX Account Number : - Nature of Dispute : Inconsistent and inaccurate reporting of account details, payment history, and status. 

Specific Discrepancies : XXXX. XXXX XXXX XXXX : - My payment history reflects 93 % of payments made on time, yet the report also indicates a " Not Current '' status in certain months. This inconsistency does not align with the record of my payments, which show no amounts past due as of XX/XX/year>, with the status listed as " Current ''. 

XXXX. Account XXXX XXXX : - The account is inaccurately classified as an Open Charge Account while no past due amounts ( {$0.00} ) are reported. This designation is misleading and could negatively impact my credit score. 

XXXX. Utilization Report Error : - While my credit utilization is noted as 63 %, the report inconsistently lists the credit limit twice as {$2900.00}, which creates ambiguity. The reported balance of {$1800.00} should reflect correctly based on my payments XXXX XXXX XXXX  : Under the FCRA : - XXXX XXXX. XXXX ( b ) : Credit reporting agencies must maintain maximum possible accuracy in their reports. These inaccuracies violate this requirement. 
- XXXX XXXX. XXXX ( a ) : I am entitled to a thorough reinvestigation of disputed information within XXXX  days. 
- XXXX U.S.C. XXXX ( a ) ( XXXX ) : If the information can not be verified, it must be corrected or removed promptly. 

Requested Actions : XXXX. Investigate and verify the account information, including payment history, account status, and credit utilization. 
XXXX. Correct any inaccuracies or inconsistencies in the report. 
XXXX. Provide me with written confirmation of your findings and a corrected credit report. 

If the information can not be verified, I request its immediate deletion from my report. Failure to address this dispute adequately may result in further action, including complaints to the Consumer Financial Protection Bureau ( CFPB ) or seeking legal remedies. 

I look forward to your written response and resolution within the legally required timeframe. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4  days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Product: Credit card or prepaid card

On XX/XX/XXXX I called Citi Bank Customer Service number because I noticed that my minimum payment for XXXX 's statement increased from the monthly statement for XXXX by {$11.00}. I always pay more than the minimum so that I can pay the balance down quicker. I noticed by looking at both bills that the interest rates increased as well. I called them to ask why my bill increased and request that they close my account so that no purchases could be made on that account. I spoke with XXXX, then XXXX, then XXXX. I was asked for my card number which I provided. They told me that card was expired and requested my new card number. I explained to them that in XX/XX/XXXX they sent me a notification in the mail stating that a current review of my account determined that I did not qualify for a new card based on my high account balance and that I did not have a new card number. They kept trying to send me a new card and I kept having to say I do not want a new card over and over again, that I just wanted my account ( line of credit ) closed. I thought that he finally understood when the phone call ended. On XX/XX/XXXX I called to pay my bill and could not pay without having to be connected to a person because the system would not take my old card number. I was connected with XXXX who told me that my account had been closed and I could not make a payment on the account. I then said " well my balance is due today and I am trying to make a payment so that I do not get charged a late fee or higher interest, what do I do? He explained that he noted the account and to call back on XX/XX/XXXX and the issue would be resolved by then and that I could make a payment and would not be charged any added fees. I called back on XX/XX/XXXX and spoke with XXXX who informed me that the account was closed and had a XXXX balance. He stated a new account was opened in my name and a new card was in the mail. I stated I did not give them permission to open a new account and I expressly stated several times I did not desire a new card. Then he proceeded to say that I did not have another account in my name nor a new card. This morning XX/XX/XXXX I check my email to find a statement from Citi with a different account number than the account I opened in XXXX with a balance of {$4500.00} ( account number ending in XXXX - XXXX did not give permission to open this account ) when XXXX 's billing statement showed my current balance as {$4400.00} ( account number ending in XXXX - correct account ). I feel that these actions are not or should not be lawful as I did not apply for a new account nor did I sign any paperwork or agree to any new account being opened. They told me several times the calls are recorded and someone should be able to pull the phone coversations from these dates and review and here that I was not being listened to or understood and did not at any point ask for this or was not asked by them for permission for this. I now have a late bill and I am honestly scared to call them again to attempt to pay them.
Product: Checking or savings account

My husband and I have been banking with First National Bank Located in XXXX, Maryland XXXX, for the past three years. Two months ago when logging onto my online portal I was asked to Opt-in to the overdraft program. This is something that was routine with my account from the beginning so I thought it necessary to continue participation. Since joining this " Overdraft protection opt-in '' My husband and I noticed our transactions were not showing, pending and posted in the order in which the bank receives said transactions. After careful review of our Bank statements and {$550.00} in overdraft fees in the last 7 days we made a call to our branch manager " XXXX ''. I, personally called the bank last week at the onset of the first round of charges. {$110.00} on the XXXX of XXXX and {$74.00} on the XXXX of XXXX. These fees were assessed for debits totaling under {$5.00}. at the time a Bank representative " XXXX '' took my call and explained to me that debits where product is received such as food or gas post immediately. She said unfortunately she can not refund any of the fees because the bank needs to stay below 5 % in returns of fees or the " government '' will shut them down. This brings us to today ... Over the weekend my husband and I used our debit card for several very small purchases. Monday morning the account showed a balance of {$11.00} and ZERO overdraft fees. Several of our transactions were in a " pending '' or " posting '' status. By tuesday morning however all the transactions " pending '' had been moved around and a arch debit transaction of {$200.00} was posted FIRST even though the date on the transaction is three days later! On XXXX XXXX, 2017 the bank assessed fees in the amount of {$370.00}!!!!!!!!!!!!!!!!!! This was possible because the transactions were rearranged causing the largest transaction to hit first and in turn make the bank the largest amount of money. Had our account posted in the order in which it came in or appeared in the Portal our total overdraft fee would be {$37.00}. My husband called the bank and spoke to XXXX the Manager who condescendingly told him we need to learn to balance our check book. She also informed him that she deposited {$110.00} into our account on the XX/XX/XXXX to cover the fees when in fact, she WITHDREW the {$110.00} from our account on that date. My husband and I are beside ourselves.. Several items were rearranged including transactions from the same store! Date and time stamps do not lie! Please tell me there is something you can do, or we can do!
Product: Credit reporting or other personal consumer reports

I sent a request that you reinvestigate the disputed Accounts from my credit report as well as correct the Accounts from my report during the investigation period. As of this date, you have failed to respond to my request. The following accounts listed below are needs attention in my credit reports. 
XXXX XXXX Balance : {$11.00} XXXX XXXX Balance : {$220.00}
Product: Debt collection

I sent them a letter asking for documentation about the debt and never received anything.