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

I signed up for a credit card with Capital One back in XX/XX/XXXX with my Stepdad. At the time I was a student, and my step dad did not speak english very well. We signed up in person at a capital one branch. It recently came to my attention that the credit card I had signed up for included an annual fee. 

First, I find it a little silly that the bank teller would suggest a credit card with an annual fee for a college student. What kind of benefits would a college student need that requires a credit card have an annual fee? After a few attempts, I was unsuccessful in getting any refund for my annual fee. However, I was able to change the card to the XXXX, which does not have an annual fee. My annual fee is charged every year on XX/XX/XXXX, for the following year. I was able to change the credit card on XX/XX/XXXX. So even tho, I will not actually have a credit card with an annual fee for the remainder of this year, the full annual fee remains. 

Furthermore Capital One does state that if the card is closed within 30 days of the annual fee being charged it will refund the charge. I also wonder, does Capital One give it's employees incentives to peddle credit cards with annual fees? I was curious, so my 3rd time around I asked a manager quite bluntly if they were incentivized to sign up customers for credit cards with a fee. Unsurprisingly, they were unable to give me that answer ...

The best response I was able to receive was from a representative named XXXX, who agreed with me that it did seem unfair. Unfortunately, the system did not allow her to do anything about it ... She assured me she also would file a complaint on her end.
Product: Student loan

My student loans were put into an administrative forbearance by Nelnet without my permission or request. I had submitted an application for borrower defense in XX/XX/2022. I specifically check the box stating I do NOT want my loans put into forbearance while awaiting a decision on the application. ( see support doc page XXXX ) I am a post class member in the XXXX vs XXXX case proceedings. I have no guarantee my loans will be forgiven via the borrower defense application and do not want to fall behind on payments while awaiting the decision. 
I have contacted Nelnet multiple times and dealt with profoundly long wait times ranging from XXXX minutes to XXXX hours. I am currently on hold and have been for XXXX and XXXX min while writing this. I have contacted studentaid.gov and the DOE to attempt to resolve this issue. The bigger issue at play is I need the loans removed from forbearance so I can recertify into a better payment plan and get my taxes filed after recertifying my loans in to the new XXXX plan. 
XXXX Nelnet has moved at a glacial pace to resolve this issue that never should have been an issue in the first place. I have a copy of the borrower defense application that has the box checked not to put my loans in forbearance while awaiting the outcome. 
In addition, many student loan servicers have been removing the forbearance and then placing the forbearance back several days later without permission given by the holder of the loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following information listed on my XXXX  and Equifax credit report is inaccurate, incorrect and not my information : Employer : XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX, I never resided at the following addresses : XXXX XXXX XXXX XXXX XXXX, AZ XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX, XXXX XXXX XXXX, XXXX, MN XXXX, XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX, MN XXXX, the following credit inquiries are fraudulent, unauthorized and not my credit inquiries : XXXX  XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX and XXXX  XXXX/XXXX, XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been constantly calling the XXXX number for XXXX  to be able to talk with a live agent to address my issues and I am not getting anywhere. I am doing all the right things and when I think Im going to get to talk to a live person it hangs up on me every single time this is been very frustrating. They should be answering the phones and dealing with their customers just like Equifax and XXXX does, I would really appreciate if this gets addressed ASAP. My XXXX XXXX credit report needs to be updated. They have nothing but information that does not apply to me. I have been trying to update it and can not get anyone. Thank you.
Product: Debt collection

Syndicated Office Systems/Central Financial Control is attempting to collect Medical Dept for {$270.00}, which was not covered by Medical insurance at that time from XXXX 2014. Already paid {$950.00} out of {$1200.00} to XXXX XXXX XXXX Hospital which is part of TENET Health Systems. Collection Agency CENTRAL FINANCIAL CONTROL posted collection information to Credit Report Agencies negatively impacting me badly. Now my credit score is in XXXX 's. It was in the XXXX earlier and now I I am badly affected when I am attempting to get a mortgage to buy a home. They are also causing difficulty by contacting me 2-3 times daily on our cell phone number.
Product: Mortgage

I received a letter dated XXXX XXXX in the mail from Provident Funding on Tuesday XXXX XXXX. The letter stated that my mortgage payment had been received, but that it was being returned because it was not for the full payment amount and that if payment was not received by XXXX XXXX ( already in the past ) I would be charged a late fee. I immediately got on the website to try and make a payment, but the website would not allow me to make a payment. I tried to submit a request to be contacted, as it was after business hours, but the website would not allow me to submit the request. The website simply was not working. On XXXX XXXX I called the customer service line and was told the wait time would be 2 minutes. After being on hold for more than 18 minutes I received a live person. After a painful phone call and several more waiting periods we found that the website truly was not working and I could not make a payment online. Therefore the fee to make a payment over the phone was waived, but the late payment was not. Provident states they sent a notice of my payment change. While I understand this may be true, the fact is I never received the notice, nor was it showing online as I clearly pointed out to the customer service representative who was on the phone with me while I logged in and was unable to get access to anything. With my perfect pay history to date and the fact that I sent my payment on time ( less the apparent change in escrow given the XX/XX/XXXX escrow analysis ) I am shocked that Provident will not step up to their multiple issues and waive the late fee. Their poor process and failures include : returning a payment, poor customer service, non-functional website, untimely delivery of a late notice and possibly not sending and escrow analysis change.
Product: Credit card

The company closed my account on XX/XX/year> and didn't notify me or advise why until XX/XX/year> and still not advise exactly why they closed my account. 

I called and they stated it was due to not using my card, but then I was also told another reason.
Product: Debt collection

I opened an account with XXXX a few years ago. I then closed my account within the 14 day grace period and was informed I would not be charged. Many months later I decided to start working on my credit and noticed that I had debt in collections from XXXX collection agencies for XXXX. After finding it impossible to remove it through calling customer service on every end and no one seaming to have an answer, I just paid the debt and moved on. Now over a year later, I am once again being charged for the same " debt ''. As I have already paid over {$500.00} for a debt that was incorrectly charged to me, I decided to once again fight the charges. I have now been sent in phone call circles by all parties involved and am continuously hung up on, told they do not have records showing said information, and am told to call this company or go into the store or call the agency where I am then sent right back to the person who told me otherwise. Debt collectors involved are XXXX ( new debt account ) and Enhanced Resource Centers ( which is identified under abbreviation ENHANCEDRE and ENHANCRCVRCO ).
Product: Credit reporting or other personal consumer reports

Consumer NamXXXX XXXX XXXX XXXX XXXX XXXXXXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the XXXX credit XXXX XXXX XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of an Auto Loan account opened at XXXX XXXX XXXX XXXX  XX/XX/XXXX under the account number ( XXXX ), an Child support account opened at XXXX on XX/XX/XXXX under the account number ( XXXX ) These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX XXXX XXXX XXXX XXXX XXXX  as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

After extensive research I have become aware that your company is in direct violation of a number of federal and state laws including the FRCA, Fair Debt Collection Practices Act. Your company is in violation of Title 18 U.S. Code 1951, Interference with commerce by threats or violence and my 4th amendment right to privacy. I'm seeking immediate relief for the inaccuracies and damages caused by your company. Below is a list of accounts that your company has published WITHOUT my written consent. 

XXXX XXXX {$830.00} Opened XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  Last reported XX/XX/XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX XXXX
Product: Debt collection

I received on XX/XX/XXXX a letter in the mail from Pressler & Pressler with a court date of XXXX XXXX at XXXX. The last contact I had with this company was XX/XX/2015 after a summons had been found on my sister 's front door, the incorrect mailing address. I quickly called and agreed to enter a repayment plan as soon as the requested paperwork - a verification of the amount owed, a payment agreement in writing - would be presented to my current mailing address. I refused to provide my bank account/credit card via phone until that information had been forwarded to me. In the letter left in my mailbox, Pressler and Pressler indicates the dates of our communication as being over a year ago and fails to provide any repeated communication attempts or explain how I failed to make payments on an arrangement which was never agreed upon. Pressler & Pressler has failed to contact me or make any attempts to enter a payment arrangement with me and failed to provide any correspondence for the past year.
Product: Debt collection

No credit card billing statement received XX/XX/XXXX. First notice of debt was from a collections ( Client Services )XX/XX/XXXX. Multiple calls to Client Services and XXXX XXXX ( XXXX XXXX Credit Card ) telling them that no statements had ever been received (XX/XX/XXXX). Dispute initiated, initial charges paid ( XX/XX/XXXX ) in good faith by customer to XXXX XXXX despite not having received a billing statement. XXXX XXXX indicates initial statement XX/XX/XXXX sent was undeliverable and returned. Address used by XXXX XXXX   is the same exact address used by Client Services for their notice of collections on XX/XX/XXXX. Billing statements received after fifth request XX/XX/XXXX, address on statements is the same as the address on the XX/XX/XXXX Client Services collections notification.

Multiple Calls to XXXX XXXX failing to resolve issue. Collections company switched to XXXX XXXX XXXX   XX/XX/XXXX, second dispute initiated. XXXX XXXX  wants late fees and interest which I find inappropriate due to lack of notification.

see enclosures ( 6 )
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I wrote to the below creditors requesting an investigation into items that I believed were fraud, inaccurate, and falsely reported. To this date I have not received a response. Not only do I believe this to be a stall tactic on their part to grant an additional 30 days to comply with my original request, but I believe it to be a blatant violation of 15 U.S. Code 1681i - Procedure in case of disputed accuracy. 

Your credit reporting agency has been reporting inaccurate and incomplete account information to my credit file. I am distressed that these referenced inaccurate accounts are on my credit profile. Your reporting agency has failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit information they report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with fair credit reporting act XXXX XXXX XXXX  account number XXXX has 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 also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

To my surprise and frustration, I discovered tonight that my credit report now has accounts that dont belong there, and I have no clue why. I checked my credit report like I normally do, and out of nowhere, these inaccuracies appeared. I refreshed my browser, thinking it might be a temporary error, but the accounts remained. Due to this issue, Im requesting a detailed review of the documents Ive submitted so I can stop worrying about such errors happening again.
Product: Credit card or prepaid card

I purchased an international plane ticket using Citibank 's " Thank You '' points last year ( Trip ID XXXX ) travelling XX/XX/XXXX -XX/XX/XXXX from XXXX to XXXX. The flight was cancelled when the border to XXXX was closed. I received a travel certificate with XXXX XXXX good through XX/XX/XXXX ( later extended to XX/XX/XXXX ). When I tried to redeem this certificate a few weeks ago, I was told it was no longer valid, because the purchase had been refunded through the travel agent I used ( Thank You Points ). 

I contacted Citibank and the Thank You department and after speaking with multiple staff over several days was told that Citi had closed the Thank You points account because I was not using the credit card recently ( this is true ), and that because I didn't rebook within 60 days I lost the points. However, I had no knowledge that a refund was made or that there were any points in the account. 

I explained how this was a ticket I had earned, and I did not request it to be refunded, and I should still be able to take this flight that I had earned, and was told that the only way to have access to the points is if I opened another Citi credit card account ( my THIRD, # XXXX XXXX XXXX XXXX XXXX note : account was never used and is now closed due to deceptive promises Citi used to encourage me to open it ).

I applied and was accepted for this account, received the card in the mail, then when I called to have my Thank You points credited to my new account, after multiple transfers and talking to 7 different representatives was told that they can not do this and they are forfeiting my points that I earned for my international flight. 

See attachment for clearer summary and timeline. My Thank You member ID is XXXX XXXX XXXX XXXX. The flight was booked XX/XX/XXXX and a XXXX eCertificate issued in the amount of {$320.00} with an expiration XX/XX/XXXX ( eCredit XXXX ). On XX/XX/XXXX a refund was issued by XXXX to Thank You and Citi states that my account was closed on XX/XX/XXXX. In early XXXX, I attempted to use the XXXX eCertificate and discovered what had happened and attempted to retrieve my Thank You points.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently conducted a review of my credit report, and I noticed that your agency showed four ( 4 ) credit inquiries that I find problematic. 
XXXX made the first inquiry in question on XX/XX/2019, and I have no recollection of doing any business with XXXX. 

I contacted XXXX and asked them to act to get this inquiry removed from their records and to erase any record of the inquiry with all credit reporting agencies. They assured me they would follow my request and take whatever steps necessary to resolve the issue, but I wanted to contact you as well, to make sure this gets done. 

The second inquiry in question was made by XXXX  XXXX XXXX XXXX, on XX/XX/2019, and I have no recollection of doing any business with XXXX XXXX XXXX XXXX. 

XXXX XXXX XXXX made the third inquiry in question on XX/XX/2019, and I have no recollection of doing any business with XXXX XXXX XXXX. 

XXXX made the fourth inquiry in question on XX/XX/2019, and I have no recollection of doing any business with XXXX
Product: Debt collection

No contract with company, company stating I owe {$94.00}
Product: Vehicle loan or lease

During the year 2019 after my mother died, my car was broken into and my information was stolen out of my car. With so much going on I did not think that this would happen to me but I did in fact file a police report and report this to the insurance. Now we are a couple of years later after getting denied several times I checked my credit report to see why am I getting denied for EVERYTHING. Once I ran the report I saw that this car was on my credit report and also a charge from XXXX was on my account as well. This have been on of the most devastating times of my life and I can not do anything with my credit because of this repossession and this is not something that I would have allowed to happen. I hope that you can help me with removing this off my credit.
Product: Student loan

My credit report shows a late payment made to Navient of 90 to 110 days, yet the months surrounded it shows on time payments made. XX/XX/2020 shows 90to 110days late, yet XX/XX/2020 is on time and so isXX/XX/2020. I was not late making payments for any of theses months and request that this error be corrected.
Product: Mortgage

Receive various notices in mail about unwanted FHA loans. This company makes it look like its from the government but its not. They refuse to stop sending them to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX Credit, XXXX credit card XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, Please take another names of my report
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted Equifax four times on XX/XX/XXXX. I had attempted to create an online account with Social Security Administration, the morning of the XX/XX/XXXX. It was denied. I called the SSA and they informed me that an alert had been place on me and I would have to contact Equifax to resolve situation. My first four calls were unsuccessful with the automated system, I then was a to chat online to get a phone number to talk to a " real '' person. I talked to the agent who could not answer my questions, Why is there an alert on me, how did it get there and why was I not notified? I then talked to the agent 's supervisor, no satisfaction there, so I talked to their supervisor, still no answers and finally another supervisor, still no answer to my questions and if fact roadblocked to further inquiries. I believe I gave them sufficient verification of who I am and my questions. Equifax should not have a license to do business and I would recommend the Social Security Administration no longer use Equifax as a resource.
Product: Credit reporting or other personal consumer reports

I noticed a collection on my Equifax credit report back in XX/XX/year> and immediately requested that they investigate this collection because it's not mine. I have no relationship with this company XXXX XXXX XXXX XXXX for {$150.00}. 

This a violation of my right to privacy according to 15 U.S.C. 1680 section 602 A. I believe this information is fraudulent because I have not gotten any document with my signature proving this is my collection and believe it a violation to the fair credit reporting act.
Product: Debt collection

They call me several times a day repeatedly. I have asked them to remove me from their calling list and they say they do but continue to call me. When I ask them to remove my phone number from their call list they like to phish for more personal information.
Product: Money transfer, virtual currency, or money service

Basically the seller was suppose to send me a XXXX  controller for the XXXX $ that was sent.I inquired about it and the seller blocked me.
Product: Credit reporting 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 items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX  XXXX, FL XXXX XXXX XXXX XXXX Owed : {$43.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$970.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXX  **** Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX FL XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Bank account or service

I opened a XXXX checking account with a promotional offer ( XXXX - receiving XXXX bonus AAdvantage miles after meeting requirements ) on XXXX/XXXX/XXXX. After completing the purchase and billpay requirement associated with the promotion in XX/XX/XXXX, I contacted Citi customer service many times inquiring about the status of the promotion. Each time I was confirmed that I had completed the requirement and was qualified for the promotion, and I was promised that the bonus would post within 90 days of the statement closing date after I completed the requirements, which is the XX/XX/XXXX. However I have not received the promised bonus miles as of XXXX/XXXX/XXXX.
Product: Debt collection

Requesting that the debt collection be removed from my credit report. Balance is XXXX and has been XXXX for 4 years.
Product: Credit reporting or other personal consumer reports

I have three credit card accounts on my credit report. There was no need for me to open another credit card all my cards are paid up to date. Some how there is a fraudulent account in my name that was given permission from me im asking for it to be removed