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

This is my third complaint to the CFPB about my Citi Prestige card. In addition to my previous complaints, my card was cut off for " fraud '' reasons today. While it is noble to combat fraud, I was given no indication that this was the reason the card was declined. Instead, I had to call to ask why my card didn't work and answer a number of prompts with a fraud robot, then I was allowed to go through their automated system which makes it incredibly difficult to get to a human, enter all my information again, then got to the agent and she didn't have any of my information, so I had to provide it again. A complete waste of time. Now, I don't even know when I can and can not use my card. The woman I spoke with made it seem like it's some mysterious " system '' that decides when your card gets cut. Not a thing a person could do she claimed, even though this " system '' was created by humans and can be fixed so it functions properly like at other banks. And I was provided no notification there were fraud concerns until I called. She claims they come - eventually. I haven't received one as of the writing of this message. So they are so concerned about their customer experiencing fraud that they cut off their credit cards but don't tell them? What if this was a person 's only form of payment? Now I have no idea when my card will work and customer service couldn't provide any guidance on this mysterious " system '' that cuts off your card when you go to pay a phone bill. As I've said in my previous complaints, this card is marketed as " premium '' but it is trash. You can't even easily access a competent customer service agent - XXXX today told me that my annual fee wouldn't be billed for a year. I had to correct him that it would be billed next month, then wait on hold while he verified I was correct. You have a unit dedicated to this premium card and they don't event know when the annual fee is due? It's a joke.
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/17 at around XXXX XXXX  ET I applied for a personal loan with the company. I asked the representative over the phone at the beginning of the call if the loan can be direct depositied EFT ACH to my personal bank account. I asked how long. She said it can be within a day or so. During the process of taking the application over the phone she said I was approved and asked how I would like the funds, " checking, savings or money market. '' I said, " Oh, it can be send via money market? '' Ya, that would work. I then gave my money market account info. She then submitted my final application and the system came back and said I needed to upload three months documentation of my account. I told her that while I've banked with this bank for more than 1 year, I only opened up the money market account within the past month. She then told me the loan would have to be sent to me by check then. I told her that if she had told me that when I was choosing what account to have it sent to I would have chosen checking. She said she couldn't do anything about it now and I would have to wait 90 days to reapply for the loan. I then cancelled the applicaiton. I was told something during the application process that wasn't correct and now my credit has a hard pull on it which negatively affects my credit. I am being negatively affected by this and the representative didn't care. There has to be loan laws that prevent people taking loan applications to promise things and say things that aren't true. If I had known funds couldn't be transferred to my bank account, I never would have applied.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX Original Creditor : XXXX XXXX OR XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX NO CONTACT NUMBER LISTED Dear Sir or Madam : I am writing to dispute the following information in my credit report file. I have circled The items I dispute on the attached copy of the report I received.The information on XXXX XXXX XXXX Original Creditor : XXXX  XXXX  OR XXXX XXXX XXXX  account number ISNT DISPLAYED with a balance of {$250.00} which is inaccurate because I've been contacted by your company about a debt you allege I owe several times. I am instructing you not to contact me any further in connection with this debt. Under the Fair Debt Collection Practices Act, a federal law, you may not contact me further once I have notified you not to do so. I am requesting that the item be removed immediately.

Please reinvestigate this matter to have them delete the disputed item [ s ] as soon as possible. I am writing to dispute the following information in my credit report file. I have listed above the items I disputed, the information on identifying disputed items, creditors name and whether it is a credit account, court judgment, etc. it is inaccurate.

This rule revises Regulation F, 12 CFR part 1006, which implements the Fair Debt Collection Practices Act ( FDCPA ), to prescribe Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection.

The Bureau of Consumer Financial Protection ( Bureau ) is issuing this final rule to revise Regulation F, which implements the Fair Debt Collection Practices Act ( FDCPA ) and currently contains the procedures for State application for exemption from the provisions of the FDCPA. The Bureau is finalizing Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The Bureau 's final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. 
This rule is effective XX/XX/XXXX. Please reinvestigate this matter and delete the disputed item as soon as possible. 
Sincerely, XXXX XXXX XXXX, Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Still at with Lexis Nexis. At last count, 39 Disputes. As of XX/XX/XXXX the fix has been ; We have now no Car ( we own one ) We have now no Home, no Home at all. We bought, own and maintain a Home since XX/XX/XXXX. 

The previous property listed prior to XX/XX/XXXX we walked away from. A Home Listed in A Bankruptcy that was discharged in XX/XX/XXXX. My one of many deliberate reasons I have issues with Lexis Nexis. XXXX Deliberate as I have disputing this among many more created and stubbornly refuse to correct.
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my personal credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 

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  Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$4000.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$1100.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance Owed : {$770.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance Owed : {$1300.00}.
Product: Credit reporting or other personal consumer reports

I am trying to purchase a home and get access to my credit files and have my reports as accurate as possible and seem to get nothing. Tried calling and the prompts wouldnt work. Then tried to access XXXX XXXX XXXX  site which is monitoring my credit and each time I log on, it shows a blank page. For a year now TransUnion is reporting inaccurate address and phone phone number. Ive tried through their chat and then the representatives are always disconnecting. I want my address and phone number updated by law TransUnion refuses to do within XXXX business days or settlement payment relief for each violation. 

I am uncomfortable sending my personal info via mail to Transunion especially considering the data breach that keeps happening. I uploaded it through a secure portal and got an email confirming TransUnion received said documents.
Product: Student loan

I refinanced with XXXX in early XX/XX/XXXX, I have been on an Income Driven Repayment Plan and the Public Service Loan forgiveness plan for the duration. I work as a XXXX. I have called almost every year to challenge their qualifying payments tally which, as of today, is still more than 2 years behind. I receive conflicting information from customer service reps each time I call. Two years ago I was considering a job change and the representative said that as long as I still worked as a XXXX my loan forgiveness track should not be jeopardized. I left a lucrative XXXXl position to work for a small XXXX start up that provides XXXX XXXX for high volume or under served XXXX all over the country. I found out this year that the last 8 months of loan payments I made have not counted because my current employer does not qualify for loan forgiveness. As a small company, it appears, they can not apply for the tax exempt, non-profit status that large, wealthy XXXX enjoy. And so now instead of having about 5 years left of repayment, I have 15 years left of repayment totaling an additional {$250000.00} ( more than a half million in total, not counting the 4 years of repayment to XXXX XXXX before I refinanced in XXXX ). And so as of now the {$180000.00} I borrowed in XXXX in my late XXXX to become a XXXX will cost me more than {$500000.00} well into my XXXX. And now I have to scramble to refinance with another company, or sell my house in order to pay off the remaining {$190000.00} balance -- XXXX XXXX  more than I borrowed almost a decade ago, despite consecutive monthly payments. Mine was one of the first XXXX   classes forced to enter repayment during residency, so we were all on IDR plans and making payments too low to even cover the interest we were generating on our highest interest loans, so every year our principal balance just kept climbing. And then legislation was passed so that we could no longer write off that student loan interest. My loans continue to cost me {$25000.00} a year out of my take home pay, and now the department of education wants to extend my repayment period an extra decade even though the kind of work I do has not changed nor has my salary. This is money I can't save for retirement, money I can't put away for my daughter so that she never has to struggle with immense student debt like this, money I can't spend on home improvements or family vacations. If we told XXXX  students that the penalty for becoming a XXXX was at least a half million dollars paid out over 30 years, I am sure that far fewer American students would pursue XXXX. Which is a XXXX shame.
Product: Money transfer, virtual currency, or money service

I opened an account with Coinbase to buy cryptocurrency last month. I invested and deposited around XXXX $ in the Coinbase exchange and in XX/XX/XXXX Coinbase blocked my account and asked for some bank statement and ID card for verification. Its now almost two weeks and my account is still blocked and I have no access to my hard earned money which is stuck in their account. I called them 16 times and they keep telling me to wait. I have XXXX kids and have to run my personal expenses but I can not as my money is locked in their system and I have no way of getting my money back from Coinbase .i am loosing money everyday because the trade I did is now hanging in Coinbase with me no access to my account. Please help.
Product: Credit reporting or other personal consumer reports

This morning, I discovered incorrect accounts on my credit report, and I have no idea how they got there. I routinely check my report, but this time, I noticed unexpected discrepancies. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Given this issue, I request a thorough review of the documents I have submitted so that I wont have to deal with this concern again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've sent several letters to XXXX XXXX and Experian regarding a Bankruptcy that's showing on my credit report. I've asked them to provide me with proof on how they did their investigation and how they came up with verified results. On my credit report it states that " public record items Experian was reporting the information obtained from the local bankruptcy court. I wrote a letter to the bankruptcy court and they advise me XX/XX/2020 that they do not report or perform any activities with any credit bureaus. I than wrote Experian a letter and sent them copies of the letter from the bankruptcy court they then replied back and said they obtained the information from XXXX XXXX, I then wrote XXXX XXXX who said they obtained the information from Experian. I don't see how they can have anything on my credit report from a " third party ALL of this seems that they are committing fraud by giving false information and these two companies are continuing to point the finger at each other, XXXX  deleted the information with no problem because they under the courts does not report to them. XXXX XXXX is data and computer based and does not have accurate and 100 % true information on me and they fail to up date/ delete information that does not belong. I say this because, 1. I contacted the United States Bankruptcy Court and received a letter stating that they DO NOT report any information to any credit bureau. 2. I've had a freeze on my XXXX account since XX/XX/2020. SO HOW is it that Experian said they verified this information with XXXX since after XX/XX/2020 I find that the lies and these practices are illegal, they are giving false information and I'm suffering from the credit bureaus not following the law.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX : Account number : XXXX, I am disputing the inaccurate reporting of the date of last activity for this account by TransUnion ( TU ), XXXX ( XXXX ), and XXXX ( XXXX ). TU reports it as XX/XX/XXXX, XXXX reports it as XX/XX/XXXX, and XXXX reports it as XX/XX/XXXX. This inconsistency not only violates credit reporting regulations but also does not correspond with the information in my records. Additionally, XXXX, XXXX, and TransUnion are incorrectly reporting the account type as an auto loan. The account you are reporting is identified as an " installment loan, '' which is also factually incorrect. The true account type for this account is a " Credit Sale Agreement. '' I have the right to an accurate credit file, and discrepancies like these are unacceptable. Please remove this inaccurate information from my credit report as soon as possible.
Product: Credit card or prepaid card

XX/XX/XXXX at about XXXX, I had a scary charge that went on my Debit Card from the NetSpend All access Account where I have direct deposit from my employer for the last four or five years approximately.To my fear, I had discovered a charge that was and still is listed for sure as XXXXThis charge was made at the XXXXXXXX XXXX XXXXXXXX.I did attempt to see if there was a ghost account at the company but it did say no purchases were made by myself with my card.I would hypothesize that my card was used there by a members account.This charge had brought my account into the negative and consequently a overdraft charge was charged in addition.I was able to block the card after the ghost charge fortunately but I am uncertain how to officially make a dispute of the transaction after I called NetSpend and was trying to explain my dilemma at this time.I would greatly appreciate any little help I could receive from the Federal Government 's Agency.I, as well as many others definitely appreciate the service if feasible.Thank you XXXX XXXX XXXX Net Spend All Access Card Member
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX  are reporting incorrectly that I am 30 days past due on the XXXX - partial account numbers XXXX. ( Please see page 6 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Product: Checking or savings account

Today I called Ally Bank to speak about a possible fraudulent transaction. The transaction was in XX/XX/2017. There were no other suspected fraudulent charges. 

The front line customer service rep made a mistake and canceled my current card without my permission. 

Normally this wouldn't be a problem but I am traveling to XXXX in less than a week. There is no way that they can send me a replacement card by the time that I leave - or realistically during the first part of my trip. International shipping can take a couple of weeks. 

Spoke to the supervisor and the only solution presented was to use the current card as an ATM card during my trip. 

It makes no sense that a card would be deactivated without my express permission. It is my money please allow access. 

There is a distinct possibility that I could end up across the world without access to cash. 

This should not have been done without permission. The company should overnight a card in an attempt to fix the situation. This is not going to happen.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX / 30 days late in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX as well as 60 days late in XX/XX/XXXX and XX/XX/XXXX. 

15 U.S. Code 1666 - Correction of billing errors ( B ) Billing error For the purpose of this section, A a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement.

( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.

( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction.

( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required.

( 7 ) Any other error described in regulations of the Bureau.
Product: Checking or savings account

Someone has got my personal information and withdraw my money from my account
Product: Bank account or service

I opened a checking account with Chase bank. I funded the account and set up online banking. I attempted to login to my online banking and received an error message saying I had been locked out. I called Chase and was told that the bank had decided to close my account and that they were not obligated to tell me why. Since Chase is a creditor that uses credit reporting agencies - some specific to banking such as XXXX XXXX I feel like my rights under the Fair Credit Reporting Act have been violated. Given that JPMorgan Chase is a repeat offender of blatant FCRA violations I felt making this report should be necessary.
Product: Credit reporting or other personal consumer reports

Requested an explanation for a credit inquiry which the vendor stated had never happened. I have been receiving emails, from Experian, stating the results of my dispute were ready but their web site will not allow me access to the report even though I have filled in the cells with the report numbers and ID code and my own info. You can't file anything online with them or send an email and you can't get a human on the phone. Every time I try calling I get transferred to a " report a death '' info line. And there is no ability to transfer to a live agent. I just want to be able to access my results of my dispute. Experian report XXXX XXXX XXXX XXXX XXXX XXXX Experian is IMPOSSIBLE to deal with.
Product: Credit reporting

All three credit bureaus : XXXX, XXXX and Transunion can not explain my credit Score while all scores are different. None of these bureaus can explain the Score process nor specifically why my credit score is being negatively impacted by their own records, due to " revolving credit not being established long enough ''. Their own records indicates my revolving credit has been established for 14 yrs, 10 months. This was NOT reflected on my credit bureau until I disputed I negative rating from XXXX, which was removed. Nearly immediately all credit bureaus this New Negative factor as stated above, arose and not one of these bureaus cares or can explain. Some have said perhaps it will clear up in a week, a month, they blamed algorithm 's ... ..etc! This is not satisfactory and the longer they all go not correcting this, the more my credit score suffers while I strive to improve it.
Product: Debt collection

I attended the XXXXXXXX XXXX XXXX XXXX XXXX. During the year I attended I was sick and could not make it to classes. So I wrote to the dean saying i was sick and gave as much doctor proof as I could. I was suffering from XXXX, problems with XXXX and XXXXXXXX XXXX XXXX XXXX XXXX XXXX. I withdrew from classes. 
I had gone to XXXX XXXX  using the XXXX site and Maryland grants, loans and money from my job, so I made sure i paid all the money I owed. My account balance was XXXX half a year later I got a letter saying you owe around {$1600.00} including late fee. I called and asked them what this was about, they told me I failed to pay my student bills. To which I replied i don't even go to XXXX XXXX XXXX anymore. They explained how i was back charged certain amounts of money after i had stopped attending and I failed to pay. I asked why my first notification was a late fee, and why was i back charged when I owe nothing. They failed to give an answer, I called again 3 different times. I was told by the financial aid office to not call again, that they will call me on removing the late fee. 
I got no call and was served with a letter from debt collection from State of Maryland, XXXX XXXX and XXXX with the amount increased to XXXX. If I could not afford XXXX, what makes them think adding XXXX unfair fees to the amount will make it payable. 
I told the agency in letter to not contact me and investigate the debt. I called the college again to get a response that was tantamount to buzz off. 
The agency then proceeded to keep sending letter and garnish my state tax refund. which put me in a bad spot multiple time.. because pandemic and I work.. a minimum wage job. This also put me back on my hospital bills.. which created more years of debt I have been slowly paying off.. This ruined my credit record, and is ruining my life.