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

XXXX XXXX XXXX took over $ XXXX from our checking account unauthorized. We went to bank with all requested documentation and they refuse to refund our stolen money. We paid for 36 months of warranty a year ago never authorized any other charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act : XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, GA XXXX ACCT # XXXX has violated my rights. 15. U.S.C 1681 section 602A. States I have the right to privacy. 15 U.S.C. 1681 Section 604A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

I have not issued any written consent or instructions for this to be listed on my consumer report.
Product: Debt collection

I initiated a call to The CBE group on XX/XX/XXXX. I spoke with a supervisor named XXXX. I was inquiring about paying a collection account in the amount of {$210.00} that we had just learned about from XXXX. We learned of this account from a mortgage company that we are working with to purchase a home. I explained to XXXX that I was willing to pay the account off if it would be deleted from our credit report. I was very clear with her that our mortgage company said that our loan would not go through underwriting unless this collection account was deleted. The mortgage company said that the loan could not go through if the account just showed paid. I asked XXXX on at least 3 separate occasions during this call if she could assure me that it would be deleted if we paid the account. She said that it would be deleted. I paid the account, she gave me a confirmation number and confirmed my email address so she could send a receipt. After waiting for the receipt to show up and it never did, I called The CBE Group back on XX/XX/XXXX. I spoke to a man named XXXX XXXX. I explained the situation to him and told him that I had never received a receipt and that our mortgage company was also requesting a letter of deletion so they could process our loan. He informed me that they did not provide letters of deletion and that the only thing that they could do was update the account on the credit report to show as paid. I explained to him again that the mortgage could not go through underwriting if the account just showed paid, it had to be deleted. He said that they never deleted only updated accounts. I told him that XXXX had promised me that if I paid with a credit card by phone on the day that I called in, that it would be deleted but it might take up to 30 days to show up. He agreed to listen to the phone conversation because all calls are recorded. After listening to the phone conversation he said that he thought that the process was not explained to me correctly and offered to refund the payment that I had made. I told him that I did not want the money back that I just wanted the account deleted so we could buy our home. He said there was nothing he could do.
Product: Credit card or prepaid card

This is a problem I seem to be having more and more frequently when using a credit or debit card. I make a purchase, for some reason am not satisfied with the item purchased, return it, receive a credit, and then have to wait an undefined number of days for the credit to appear on my account. This, of course, affects the status of my account and balance in real time. I simply do not understand why charges appear on a credit card or debit card account immediately, but credits take an undefined number of days -- sometimes more than a week -- to appear on the account. The retailer claims the fault is the bank administering the credit or debit card, and the bank claims they can not issue a credit until they receive it from the retailer. This makes no sense since both purchases and credits are done electronically and should occur immediately, as purchases currently do. 

Another illustration of this dilemma is the " holding '' fees hotels and car rental companies are now imposing on credit or debit cards. As recently as last year, I would make a reservation at a hotel with a credit or debit card to hold the reservation, arrive, complete my stay, and pay my bill on departure. There never was any so-called " holding '' fee. The same was true for car rentals. Now both hotels and car rental companies are imposing " holding '' fees on reservations and rentals and supposedly " returning '' those holding fees at the end of the hotel stay or the car rental. The problem is the money is NOT returned immediately, is HELD for an unspecified number of days, and the account is left in a sort of limbo until the money is returned or credited back to the account. 

This imposes real time costs on the status and balance of an account, affecting a credit or debit card holder 's ability to use his credit or debit card. 

The credit card at issue in my case is XXXX XXXX XXXX XXXX XXXX Master Card and the debit card is the VISA card linked to my Wells Fargo checking account, but I suspect that this new practice is being used by credit and debit card issuers across the board. 

Please look into the legality of this practice, which allows, in the case of a debit card, the issuer to hold on to a customer 's own deposited checking account money, and deprive the customer of the use of that money for an unspecified amount of time.
Product: Student loan

I filled out the Navient+School+Misconduct+Application and submitted it with evidence of my schools predatory misconduct. I requested the balance of {$7300.00} to be forgiven. Original loan was for {$12000.00} which was disbursed on XX/XX/XXXX. This loan has an interest rate that now has increased from originally 9 % to currently 10 %. I have been paying on this loan for 16 years and still owe {$7200.00}. 
I submitted this application on XX/XX/XXXX. I receive a denial letter on XX/XX/XXXX. The denial letter stated that " I did not meet the requirements for discharge based on misconduct by your school ''. I originally had two loans from Navient. The other was for {$9500.00} which I have paid in full. I have never been late on my payments and have been very responsible in paying these loans.

This is really not a satisfactory reason considering the amount of information needed and time involved in filling out this application to be denied when this school and all of its locations have been closed due to their predatory behavior. I am one of XXXX students that have had their federal student loans forgiven because of this schools predatory actions. Seems to me that is evidence enough of XXXX XXXX XXXX XXXX schools predatory misconduct.
Product: Credit card

I was called on my personal cell phone asking if I was someones wife, I said yes. This man from Midland Credit Management out of California starts telling me details about everything on my husbands past due account, and requesting payment from me to settle his debt, and asked me specifics about why my husband could not pay his debt.He goes on and on about how he sees there was a specific payment and the amount a previous month, but the payments were faulty after then. After I got home I asked my husband if he received a call or if they had permission to speak with me and he said that he never once gave them permission nor did he receive a call to ask for permission to discuss his account with anyone. I was surprised and a little taken aback because there is privacy that everyone is entitled to and he certainly did not receive it from that company.
Product: Credit reporting or other personal consumer reports

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XX/XX/2023 XXXXXXXX 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: Checking or savings account

On XX/XX/year>, a deposit for {$2800.00} was made to my account then at XXXX a.m., I transferred {$2800.00} to my XXXX XXXX account. At XXXX a.m., I transferred the remaining {$21.00} to my XXXX XXXX account bringing my account balance to {$0.00}. On XX/XX/year>, the above transactions where all rearranged, then a debt for {$130.00} posted to my account, an associated overdraft fee for {$36.00} posted to my account, a second debt for {$320.00} posted to my account, a second associated overdraft fee for {$36.00} posted to my account, and then a third debt for {$320.00} posted to my account with a third associated debt for {$36.00}. Then, the {$2800.00} debt and the {$21.00} debt were posted after the {$2800.00} deposit and XXXX debts bringing my account to a negative {$960.00}. Yet, on XX/XX/year>, a debt was returned because I also had a XXXX balance, and no overdraft fee was charged to my account. When I contacted Truist about why those three debts were not returned when my account balance was {$0.00} and why I was charged {$36.00} times 3 = {$100.00} worth of overdraft fees, the Truist representative stated she could only see if I qualify for a courtesy refund of {$72.00} but she could not return those items like the XX/XX/year>, item had been returned when my account balance was also {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear XXXX XXXX XXXX XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Last 4 : XXXX Date XX/XX/XXXX You stated that I owe an alleged debt to XXXX XXXX XXXXccount XXXX XXXX I would like XXXX XXXX to validate this debt under the USC, UCC, FCRA, FDCPA. I am requesting validation of debt request of U.S Code 1692. FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 2 ) a copy of an identity theft report. Please provide the following documentation for the alleged debt to XXXX XXXX  starting in XXXX. Under my God- giving rights please send me a sworn affidavit statement stating XXXX XXXX still has the original signed contract with my two wet signatures under penalties of perjury in reference to my rights under the UCC Code 3-308. Please also send me a copy of the commerce banking note to this alleged debt. Please also send a certified contract not a photocopy of this alleged debt. Please also send a true bill. A true bill the written decision of a grand jury ( signed by the grand jury foreperson ) that it has heard sufficient evidence from the prosecution to believe that an accused person probably committed a crime and should be indicted. Thus, the indictment is sent to the court. Please also send a lawful contract signed by both parties which makes it binding between both parties have given substance according to the contract law of 1872. Please send all validations of debt and paperwork linked to the alleged account from the alleged creditor. Please certify in a sworn affidavit under the penalties of perjury and color able law that all states of rebuttal to this sworn are true and correct to the best of your ability with your signed signature. Please also send me a copy of this sworn affidavit via receipt of this letter. Please respond in 10 days of this a latter will become a binding agreement according to contract law. Furthermore, I will have to opportunity to cue in place a judgment on this company. If you fail to respond I am going to presume the debt isnt true in the first place. I am respectfully requesting this account be deleted and removed from my credit profile sense it is ruining my credit worthiness and my ultimate pursuit of happiness under the United Stated Constitution. To deny the procedure to discharge public debt is fraud, conspiracy, racketeering, collusion, theft of public funds and a dishonor in commerce according to the UCC Code. 
I am exercising my God for saking right this account must be deleted from my credit profile on all 3 bureaus immediately or I will pursue legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

After careful review of this account, I noticed multiple instances, where 99 % of the information reported by the credit bureasu are not accurate and they insist on confirming and validating the creditors inaccuracies. The high balance is being reported inaccurately with 3 different amounts. Only one credit bureaus ( XXXX ) is reporting that it has actually verified the account. Date of Last activity, date reported, date opened, balance owed, creditor type, account status, payment status, are all reporting different information. None of the agencies match on any of the data they are reporting against this account. 

On XXXXXXXX XXXX and XX/XX/2022, I submitted a dispute via the online portal with all 3 Major Credit bureaus regarding GM Financial. Each result came back " verified as accurate '' by both the Creditor and the Credit Bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously filed complaints with the CFPB ( ID # XXXX and ID # XXXX ) as Experian and XXXX repeatedly deny my request to provide me with their method of verification as well as documented evidence that I owe the {$370.00} medical debt XXXX XXXX XXXX has reported that I owe. In response to my complaint and request, each again has provided a generic response that the debt has been verified as mine. I have been getting the run-around from all three companies since XX/XX/2022. No one will provide any documented evidence but consistently claim that I owe. I literally have no idea what this debt is for and have repeatedly ask for information as noted in my previous complaints. This is a gross violation of my rights as a consumer. 

On XX/XX/2022, XXXX and Experian updated my credit file again with this inaccurate information ( that the debt had been verified ). What a sham of an " investigation ''. I demand that this debt be deleted and removed from my credit file immediately as XXXX XXXX XXXX indicated in its response to my CFPB and XXXX complaints.
Product: Debt collection

I bought a timeshare in 2015 at XXXX resort in XXXX XXXX. I realized it was a bad investment and I sold it. They keep charring me maintenance fees, It's a collection on my XXXX XXXX of XXXX. I called Transunion and they advised me to report it. I want to get it off my credit and to stop maintenance fees. 

This happened at The XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX ( XXXX ) XXXX
Product: Student loan

This is the third complaint I have made against FedLoan Servicing this year. All complaints, including this XXXX, are a result of my working in a good-faith effort to get my loans on the proper payment plan, update my income, or consolidate loans ... YET when I email them for additional information, or to get clarity on their automated letters, I get NO response. They do not ever respond to emails despite it being a clear option for borrowers to get more information. I have called multiple times, but calling results in XXXX hour waits, which give the nature of my job ( pediatric oncology ), creates significant hardship if not impossibility to stay on the line. I have a right to a timely, truthful response to my questions. I have emailed FedLoan Servicing immediately upon understanding there was an issue to get information about resolving the concern fairly. I have had to make additional payments simply to expedite what I consider to be " system '' or " process '' issues. I 'd as the CFPB to follow up with FedLoan Servicing to audit their email response process, and understand exactly why they can not and do not respond to emails.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. Equifax has blocked access to third parties such as XXXX and XXXX from accessing my credit report in order to provide me with credit monitoring services. Even their own service, " XXXX '' fails 99 % of the time. This is incredible as they just recently leaked my information in a security breach and i need to monitor my credit now more than ever. 
Proof : See attached .pdf files showing multiple sites with error / unable to pull EQUIFAX only. 
- 2. Equifax has purposely removed ALL my authorized user accounts from my credit file as a punishment for submitting disputes on accounts they are reporting inaccurately. 
Proof : Ask Equifax for my credit report before and after i submitted bbb and cfpb dispute to them. Ask them if at any time i requested these be removed? Answer is No. I have asked the creditors and they confirm they still report the information to Equifax which means that Equifax is excluding the information from my report. CRAs are required to comply with FCRA 607 ( b ), which mandates : " Accuracy of Reports. Whenever a consumer reporting agency produces a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concering the individual about whom the report relates. '' If a CRA is receiving information from a given furnisher, and yet subjectively refusing to include it in credit reports they issue, then they must have some reasonable basis under some provision of the statute or regs for doing so, such as the credit report exclusion provisions for adverse items that have exceeded their credit report exclusion date. 
- 3. Equifax has excluded " secured '' credit cards from reporting on my credit file Proof : I have 2 secured cards, one through XXXX and one through XXXX. Both confirm that they report monthly to Equifax. Yet of course, it does not show up on my Equifax profile. It shows up on XXXX  and XXXX with no problem. 
- 4. Equifax continues to report inaccurate and incomplete information. 
Even though i filed for bankruptcy and have advised Equifax, and Equifax knows, they still report accounts with Chargeoffs and balances. And YES, i  have confirmed that the original creditors have notified Equifax to correct the information. 
- 5. Equifax ignored my demand for corrections Proof : on XXXX-18 i sent them a dispute and i also faxed a copy to the cfpb. I have attached the document that was sent as well as the fax confirmation it was received. This is not the first time, this is probably the 4th or 5th time and i have allowed them more than enough/reasonable time to address the items in dispute. I have even emailed the President of consumer services, XXXX XXXX at XXXX on XX/XX/XXXX and received no response or acknowledgement. 
- 6. Equifax ignored my BBB dispute Proof : I have attached this as well. It has been 35+ days and they didn't even acknowledge what i filed with the BBB.
Product: Debt collection

Last month, we filed a complaint with your office because Capio Partners reported three medical bills on my XXXX credit report. Prior to reporting the accounts, they did not supply me with a notice of my right to dispute. Based upon that, they apologized and agreed to remove the accounts from my XXXX credit report. To their credit, they lived up to their word, and the accounts have been deleted from my XXXX  credit report. As of today, Capio Partners are now reporting these same accounts to my XXXX XXXX credit report. Once again, I have not received a notice of my right to dispute, and I am demanding that these accounts be deleted from my XXXX XXXX report.
Product: Credit card

Dear Sir or Madam, I signed up for an American Express Delta Skymiles card about a year and a half ago. As part of the benefits of paying {$190.00} annual fee was the fact that I would be awarded XXXX ( XXXX ) on XXXX that would apply to my XXXX status ; for the first {$25000.00} spent on the card, XXXX bonus and XXXX would be awarded. And again at {$50000.00} of spend another XXXX bonus and XXXX would be awarded. I tracked my dollar spend online at the American Express website by following " My Year-to-Date Trends '' summary based on which I adjusted the use of this card versus other credit cards I had. At the end of the year, my " XX/XX/XXXX Year-End Summary '' listed " total spend across all cards '' of {$51000.00} for which I expected an additional XXXX XXXX and bonus miles ; I was awarded XXXX XXXX and bonus miles after I spent {$25.00}, XXXX earlier in XXXX. As I was concerned about missing out on the second XXXX mile award I in fact paid my credit card bill a couple of weeks early, at the end of XXXX XXXX to ensure there were no issues. 

After some time I had noticed that I had not been awarded the additional XXXX bonus and XXXX. When I contacted American Express I was told that my XXXX spend was {$49000.00}. I inquired into the discrepancy and was told my annual card fee was excluded from their calculation. I pointed out that the annual fee was only {$190.00} and that would not explain the difference. I also pointed out that I had adjusted my spend based on the claimed award policy and had left a cushion of over {$1000.00} and that I had in fact paid the credit card early so as not to run into any issues. Futhermore I mentioned that I had spent over {$1000.00} in XXXX of XXXX. I was told that a supervisor would contact me in a few days. However, after a few days, I contacted American Express again as they had not contacted me and was told the issue was still being explored. On XXXX XXXX, XXXX I was left a message that stated the online account " displays all of the charges on the account, but not all charges are qualified as spent. '' Given the vague response I contacted American Express again on XXXX XXXX, XXXX and was told items such as cash advances and gambling charges would not count towards the award calculation. I explained that I did not have any such items of expenditure and that returns on the card were reflected on the above " XX/XX/XXXX Year-End Summary ''. The representative performed a manual calculation of my expenditures and stated that my qualifying spend was " {$49000.00}. '' I asked again for the discrepancy between the online account and her calcuation, she was unable to determine the difference and stated a supervisor would contact me back. I asked if I could have a refund of my annual fee if I cancelled the card and was informed that I could not be refunded as I had been charged the annual fee more than 30 days prior. 

To date there has been no follow-up call. Thus I am writing to request the CFPB 's assistance. Thank you for your time and effort.