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

On XX/XX/19, I received a text alert from Capital One Bank, asking me if I had made ( 3 ) transactions at ( 2 ) XXXX XXXX XXXX. I replied " NON '' to the text. 

Then I noticed that on XX/XX/19 the charges from those transactions, appeared on my credit card account. I called Capital One, and asked them if they had disputed the charges with the merchant ( XXXX XXXX ), they claim that they did. And advised me that the card has a chip in it, and was present at the time of the transactions. Will I find that very hard to believe, because the card was in my possession, on that date XX/XX/19. Unless someone was able to get a card mailed to them at a different address. 

The XXXX XXXX XXXX, I called, and requested they check their camera video, and see it it was me, making the purchases on XX/XX/19. But the manager told me that XXXX XXXX Corporate office would have to give the ok, for them to do so. I am sending a request for such in writing to the main office, see what come of that. 
Stores where purchases were made : XXXX XXXX  # XXXX Amounts of Purchases ( 2 at $ XXXXea ) XXXX XXXX XXXX XXXX, FL XXXX Phone : XXXX XXXX XXXX # XXXX Amount of Purchase {$500.00} XXXX XXXX XXXX XXXX XXXX , FL XXXX Phone : XXXX I am disappointed in Capital One that hey should ask me to pay, for these charges, being a long time customer, I have never before disputed charges made on my credit card, why would I start now, reason would be that I did not make these charges. I should not be made to pay. for someone else 's fraud. 
Any assistance you can offer it would be greatly appreciated.
Product: Checking or savings account

XX/XX/year>, approximately XXXX eastern time. I looked up online the chase branch and atm that was closest to me and open. It said that branch number XXXX, The XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX DC XXXX was open. Its vestibule would require debit card for entry, which I had. 

I was on a tight time frame : the restaurant that I had ordered food from was a cash only establishment, and it closes at XXXX daily. Therefore, when choosing the branch to go to, I was reliant on Chases stated time frames for open atm vestibule. I would have chose a different location otherwise. 

When I arrived, a paper sign had been posted stating that the vestibule was temporarily closed indefinitely. It seemed to have been so for a while. There was a XXXX atm close by that I had to resort to going to in order to both get cash as well as do so in a short time frame to retrieve my food. 

I went to a chase branch and requested the fee be reversed. I was told that this was not permitted as using a non chase atm was part of the listed terms and conditions of the account. I countered that chase publicly advertised on its app and on XXXX that the atm vestibule was open and available, that I was under a tight time frame, and that I was reliant on their publicly listed information. I would have made a different choice if I had known the branch vestibule was closed but had no way of knowing because they had failed to update their information that it was closed indefinitely, which is not a short time frame. 

They stated nothing could be done. I requested the {$6.00} I was charged by chase and XXXX combined be returned to me, as the only reason I used a non-Chase atm was their own fault. They refused. 

This doesnt seem fair, appropriate, or legal, and seems to run afoul of both truth in advertising as well as appropriate behavior by an extremely large bank.
Product: Checking or savings account

I have a business checking account with TD Bank XXXX XXXX XXXX XXXX which was FDIC Insured however due to my father passing I was out of country for 4 months upon my return I tried to log into my online account and was blocked I called and tried to do some transactions only to be told my account was closed. Yes closed on the public side but fully operational on the private side so it's quite unfair for my credits to only benefit TD Bank when I am the Entitlement Holder who is owed all Debts and Interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I was previously a victim of theft a few years back due to the misplacement of my wallet with all of my private information inside, in florida around the holiday season. Back then in that time I went through an entire XXXX, worrying if someone would commit crimes using my identity, or do something that they have no business doing. It caused my XXXX XXXX XXXX out because of the amount of stress I was under. If you've dealt with this before you would know and understand the amount of strain it puts on you. Since then, I have made sure to carry a cross over which allows me to know where my stuff is at all times. Anyway, I noticed things on my credit file back then like I have noticed now, that is in correlation with florida 's incident which brings me to why I am writing today. I am needing to delete this stuff off my credit. I am a victim of identity theft and am asking for the items to be deleted to correct my file. I am overly exhausted with dealing with this and need this to be removed. I also already reported it to the Federal trade commision, not sure how important it was but I just did it to be proactive rather than reactive.
Product: Debt collection

Called XXXX XXXX to settle the debt of {$380.00} ( toward deductible ) from  XX/XX/XXXX, but they wont talk to us because the lady said she gave it to XXXX XXXX. Served a Civil Warrant to go to court in 6 days even though the notice was dated back for XX/XX/XXXX. Husband called court house to push court date to XXXX. XXXXXXXX XXXX lawyer wants to charge us $ 700+ ( Attorney fee, court fee, processor fee ) which includes court costs that didnt happen. 
They said we have to pay the full amount before the court if we want them to drop the judgement. 

They said if I dont pay they will file a judgement against me. Can they get away with doubling our debt? I am the only one working and supporting a family.
Product: Student loan

I graduated in XX/XX/2023. Therefore, I am legally entitled to a grace period terminating on XX/XX/2023, for my direct loans. Similarly, I am legally entitled to a deferment for my XXXX XXXX loans terminating on XX/XX/2023. 

I have ten outstanding federal loans with my loan servicer, Aidvantage. Nine of those loans were successfully marked as being in deferment and/or in their grace period. However, one loan was not listed as being in deferment and showed a payment due. On XX/XX/XXXX, I called regarding the erroneous loan status. They told me they requested a ticket and it should be fixed in a week. 

I called a week later on XX/XX/2023, as the error on my account was STILL not fixed. Instead of offering assistance, or rectifying the situation, the customer service agent told ME to have patience with the agency and to expect the issue to be corrected by XX/XX/2023. I requested to speak to her supervisor in an attempt to expedite the fix, but I was placed on a long hold before the call was intentionally terminated. 

I checked and as of this morning, all of my loans have been pulled out of their grace period/ deferment status and ALL are displaying a payment due in two weeks. I'm not sure if this is some retaliation for my persistent calling, or if this is simply yet again another error with Aidvantage 's service. 

I feel so helpless, so frustrated, and so taken advantage of. I am a former homeless youth. I was forced to take out Federal loans as the only option to pay for school, and now I have been violated by predatory loan servicers ( on top of grotesque interest rates ) at the hands of the Federal government. This was an error on my account, entirely the fault of the servicer, and now my credit is going to take a hit. This is so unbelievably wrong.
Product: Debt collection

I have recieved numerous calls from an individual who names me and says i need to return his call and that his name is XXXX. The number that came up on my caller id was different then the return call number left. I googled both numbers and found out that it is a collection company. They never said who they represented or what the call was about on the message. Just that i need to call them asap.
Product: Credit reporting or other personal consumer reports

This is my second complaint with this company regarding this account that does not belong to me. The first complaint is showing as closed however the problem has not been solved- the account DOES NOT BELONG TO ME and is still reporting on my file!!! I am tired. I have reached out to the company and they are doing nothing. I've requested documentation of their alleged investigation into this account including who they spoke with to verify this account, all documentation bearing my signature for this account, how they completed their investigation and much more. I have YET to receive any of this information. Taking legal action is even more time consuming but im so tired of playing cat & mouse with these companies that will be my next course of action if this is not taken care of.
Product: Debt collection

My credit report shows one amount and the collections say I owe another.
Product: Credit reporting or other personal consumer reports

Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

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  Here I attach, along with the dispute, my fraud report that I just sent to TransUnion for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I called Experion on XX/XX/2018 to have the inquiries as a result of identity theft removed from my report, as their website instructs. Their representative explained to me that the inquiries can not be removed by Experion, but only by the bank they originated from. When I objected to what seemed to be in error of Experion 's stated policy, their representative, whose name he gave as " XXXX  '' said to me " Look, I'm explaining to you what our policy is, if you don't like it, I can't help it. Thank you and have a nice day '', and hung up. 

I also utilize Experion 's {$20.00} per month credit protection. I do not feel that the way this call was handled was in any way professional or in a respectful manner.
Product: Bank account or service

XX/XX/2015 I open a checking and a savings account at wellsfargo, location branch, XXXX ga, in XX/XX/XXXX a separate checking and savings was open in my name using my personal information by a representative of wellsfargo in XXXX ga branch, the original account numbers for the accounts I opened is these are the accounts I opened up XX/XX/2015 I personally opened .these accounts in XX/XX/XXXX was opened fraudulently by a rep in wellsfargo the rep even called me on the phone and told me he had opened these accounts we had argued I told him he illegally open theses accounts with out my consent or permission he used my personal information, this guy gave me a problem and the manager did not wanted to help I tried to report it, I was blowed off nobody wanted to help, I even tried calling on the phone transferred constantly to different departments and hung up on and treated badly by reps, I have been in branch several times to talk to the branch XXXX every time she was unvailable and ignored the fact that identity fraud had accured .i have been having problems with wellsfargo about this I have discussed the situation with law enforcement and a couple of attorneys, the damage has been done theses accounts were opened and my information used wellsfargo needs to settle this if I do n't get a response I will proceed to discuss with an attorney about this case, the situation has not been rectified, I am holding wellsfargo responsible for this action, I have talk with wellsfargo over the phone the only thing I 'm being told is that theses accounts would be removed from my profile and out of my name this still does not rectify what 's happen the moment the rep used my information the damage was done, have been getting nothing but hassle and nothing resolved like I 'm being brushed off and treated badly I 'm tired of it or I will also file with different consumer agencies and report this to a few news stations, I will file this situation with, CFPB, FTC, GOFCP, please resolve
Product: Mortgage

Due to an unfortunate change in my financial circumstances, I was forced to pursue a short sale of my home. This process began in XX/XX/XXXX. After several months, I was able to obtain approval for the sale from my XXXX lender ( XXXX and XXXX ) in XX/XX/XXXX. I was also finally able to obtain an approval letter from my XXXX lender, Suntrust, on XX/XX/XXXX ( attached ). Right before my closing, my buyer backed out of the sale because of a serious illness in his family. The home was re-listed on XX/XX/XXXX and a new contract was reached with another buyer on XX/XX/XXXX. Almost immediately, I was able to substitute the new buyer and HUD-1 for the old XXXX with the XXXX lender, who was using XXXX to handle the approval. XXXX sent me a new approval letter on XX/XX/XXXX ( attached ) approving the sale, and REQUIRING A CLOSING NO LATER THAN XX/XX/XXXX. Unfortunately, my XXXX lender, Suntrust, determined that the change in buyers amounted to an " all new '' short sale application. I had to provide them with a completely new application form, financial records, tax returns, and more, despite the fact that they had approved the identical transaction on XX/XX/XXXX. Since that time, Suntrust has continually " lost '' documents that have been sent to them, or advised me on XXXX day that XXXX of the pages of the XXXX Uniform Borrower 's Assistance Form had become " hard to read '' or was n't dark enough, and that I needed to resend it, only to tell me the next day that a different line of the same page needed to be darkened. I have sent the XXXX UBA Form to Suntrust, without exaggeration, XXXX times in the past week, and I have talked to them every single day since XXXX XXXX. I have sent them the XXXX approval letter requiring a closing by XX/XX/XXXX on at least XXXX occasions. Each time that I have sent documents to them, I have been told that it will take " XXXX hours '' for them to scan the documents into their system, THEN determine if the documents are " sufficient '' and only THEN will they begin a " XXXX day review '' period. I have been dealing with XXXX XXXX ( XXXXXXXXXXXX, XXXX ) who is very nice but who appears helpless to assist me, despite his appeals to unnamed supervisors. I do not know if what Suntrust is doing is intentional or simply grossly incompetent, but I and XXXX agree that it is unacceptable treatment of a distressed homeowner, particularly when Suntrust itself previously approved this identical short sale on XX/XX/XXXX. If Suntrust 's continued delays push my closing past the XX/XX/XXXX deadline set by XXXX, I have been told by XXXX that it will have to resubmit everything to XXXX, which could delay or even destroy my short sale. This entire process has been incredibly stressful and financially damaging to me, and Suntrust 's actions/inactions have made the situation markedly worse rather than better.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is  XXXX   XXXX   XXXX , I ca n't get approved for a job or an apartment because my background check has someone else 's record. That person is my twin brother  XXXX   XXXX   XXXX . We both have different social security numbers. I only have  XXXX  covicton of   XXXX   XXXX      back on the disposition date :  XXXX / XXXX /   2012.       XXXX  and  XXXX  was  XXXX  company that went through    XXXX   XXXX  s back  ground for employment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Afternoon, I have been trying to correct my credit report with XXXX, Experian, XXXX which is the ONLY reporting agency corrected my report in a timely manner, however, XXXX, EXP failed to do the least and Im suffering to maintain my small business and home due to their lack of care.

I have attached a copy of my reports and clearly you would see the gap between thw three scores and its accuracy.
Product: Debt collection

I reviewed my recent credit report and upon checking I noticed that there are inaccurate and fraudulent accounts that I needed to report and correct by your company. My information was misused and it is identity theft. I did not own the following debt. Here are the lists that indicates the company name, balance, and date last reported : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

trans continental credit collection corp .threat to report me to the credit bureau.and calling my job and homeand threating letter in mail
Product: Credit reporting or other personal consumer reports

I am writing to dispute certain information in my credit file that I believe is incorrect. This request is made under the Fair Credit Reporting Act ( 15 USC 1681 ).

The following information currently listed on my credit report is incorrect and I request that it be corrected as soon as possible : Incorrect Addresses : 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 Please correct my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Incorrect Phone Numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please correct my phone number to : XXXX. 
Incorrect Names : XXXX XXXX XXXX XXXX XXXX My correct name is XXXX XXXX. 
Additionally, please delete all information in the employer section as I am currently not employed. 

I appreciate your prompt attention to this matter. According to the Fair Credit Reporting Act, you are required to investigate and respond to my dispute within 30 days. 

Thank you for your assistance in resolving these inaccuracies. 

Sincerely, XXXX XXXX
Product: Mortgage

On XX/XX/XXXX XXXX ( client ) was approved for a trial modification with payments to be made XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX of {$450.00}. Client made all payments XX/XX/XXXX of {$450.00} ( proof attached ), XX/XX/XXXX of {$460.00} ( proof attached ) XX/XX/XXXX of {$450.00} ( proof attached ). Client then continued to make payments on XX/XX/XXXX ( this payment was returned ) She then received a letter stating that she was in default of the trial plan. I ( Housing Counselor ) assisted her in filing several complaints and escalated the issue with no solution. We had to reapply for another modification and this resulted in the ( attached ) trial and final with a payment of {$1100.00} to be made in XXXX and an interest rate of 7.5 %. This new payment is not affordable nor should SLS be denying the client a modification through HAMP as she never failed the trial plan payments.
Product: Checking or savings account

Bank of America reordered transactions so my paycheck deposit came after two debits and cost me {$70.00} in overdraft fees. The debits were not on my account the day before and then at XXXX appeared on my account along with the paycheck deposit.
Product: Credit reporting or other personal consumer reports

This company continues to violate my rights under US code1601 and 15 US code1692 c. Charge off accounts and late payments. The following accounts Deversified adjustments {$210.00}. I have no contract with this company. Never signed anything. Neither was I legally notified about my consumer report being shared with these company. 
XXXX XXXX XXXX XXXX {$290.00}. ACCOUNT XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$340.00}. XXXX XXXX XXXX $ XXXX THE Following XXXX which was already removed and recently re added under a new XXXX party XXXX Further since I haven't signed any agreements with the previous listed persons, neither written or oral these accounts or uncollectable by law. I have requested that the persons cease all communication with me oral or written. This includes my consumer report. The reporting agency 's are not requesting or sending the information that congress says is necessary. I haven't received any requests from these agencies. Neither notices. By law I must be notified.
Product: Checking or savings account

Someone is using my identity to open checking and savings accounts with Bank of America. The first was in XX/XX/2022 and again on XX/XX/2022. Bank of America has helped but they keep allowing new accounts in my name. This has now allowed other accounts to be opened with XXXX and others.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX OF XXXX XXXX XXXX : {$16000.00} XXXX OF XXXX XXXX Balance : {$16000.00}
Product: Credit reporting or other personal consumer reports

Experian has been reporting multiple incorrect names on my report. Such incorrect spelling of the names has me to believe information reporting does not belong to me. I am requesting all incorrect names to be remove immediately so I can I have a correct updated information.
Product: Checking or savings account

My account with XXXX closed by in XX/XX/XXXX. 
Account # XXXX XXXX XXXX  XX/XX/XXXX. ( XXXX ) with XXXX dollars in my account. Contacted via E-mail.to transfer the Cash into my Navy Federal Credit Union or any account. Contacted XXXX  XXXX ( XXXX ) XXXX for assistance. Negative respond. 
Reported to the Attorney General/ Arizona XXXX Inform to contact CFPB and also contact XXXX XXXX XXXX XXXX XXXX