23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I requested my refund on XX/XX/25, my piers have already received their refunds from Edfinancial and they requested their refund After I did. I explained to the customer service agent my family is extremely affected by the pandemic but I believe it fell on deaf ears. I was quoted XXXX business days and my friends received a student loan refund from the same company in no-time at all. Im completely unhappy with the inconsistency of info this company provides. They werent even my original loan company, for some reason my loan was transferred to them.
Product: Checking or savings account

Monday XX/XX/XXXX I deposited 3 checks from the same company to a branch of Bank of America. I have been getting checks form this company for a while now. 
1 of those checks cleared immediately but the other 2 totaling {XXXX} were put on hold by the system. 
I reach out to BofA customer service the day after XX/XX/XXXX, and I was told by the Supervisor ( XXXX XXXX XXXX XXXX ) that she couldnt help me that same day due that the checks were still " processing '' but to call back in 1 day and the would release the funds then. 
I called again XX/XX/XXXX and another Supervisor ( XXXX # XXXX ) told me that she couldn't help me and I had to wait till the XXXX to release the Hold and the other supervisor was wrong about this. 
This was not the first time that BofA put a hold on a check I deposited but they always and I mean always helped me after a long phone call to release the funds. 
My account is now in red and if there is not enough funds to cover a very important ACH I will lose my XXXX XXXX which will take me out of business. 
Bank of America didnt care about my situation and kept saying we cant Help. 
I need the release of funds immediately.
Product: Credit card or prepaid card

Wells Fargo credit card is reporting current balance as outstanding before the due date. The carryover balance is blended with current balance and shown as one number. There is no way to tell which balance is which and where one balance ends and the other balance begins.

Typical scenario is balance is paid in full. Days later transactions from previous month are added to a carryover balance no interest is charged and dates indicate their posting before the balance is paid in full on due date. Then the carryover balance is recorded as outstanding balance until the next billing date. All transactions between the next due date and last due date appear recorded as outstanding when in fact it's a blend of outstanding and current balances. Shown as one outstanding balance.
Product: Money transfer, virtual currency, or money service

I am not a resident of the XXXX and was making a motorcycle purchase from overseas. 

On XX/XX/XXXX I contacted the seller XXXX XXXX XXXX XXXX regarding purchasing his motorcycle. We agreed I will send him a cashier order of XXXX {$5000.00} as payment for the purchase. 

On XX/XX/XXXX I purchased a cashiers order of XXXX {$5000.00} from my local bank XXXX XXXX  XXXX XXXX XXXX XXXX ). 

On XX/XX/XXXX I sent the cashiers order by XXXX to the seller and has been confirmed it was received. 

On XX/XX/XXXX the seller has notified me his bank ( US BANK ) suggested this could be a scam and should use the collection method with a fee of XXXX {$30.00} to collect the funds from cashiers order issuing bank. I ensured him the cashier 's order is legit and funds will be available. 

Between XX/XX/XXXX XX/XX/XXXX I had kept in contact with the seller and ensure him the funds has already been withdrawn from my local bank before they can issue me the cashiers order. I had also provided prove to the seller the funds have been deducted from my bank account. The seller said he has already sold the motorcycle to someone else and has ensured me he will return me the funds once it has been deposited into his account. 

On XX/XX/XXXX I submitted a request to cancel the cashiers order from my local bank. I also asked the seller to provide me with the contact person at US BANK branch. 

On XX/XX/XXXX the seller provided the US BANK XXXX, XXXX  branch XXXX XXXX XXXX contact details and also informed her I will contact her to discuss the situation. 

On XX/XX/XXXX my local bank confirmed the funds has already been withdrawn on XX/XX/XXXX. 

On XX/XX/XXXX I called branch manager of the US Bank XXXX XXXX. She confirmed the cashiers order has already been sent in for collection. She couldn't answer me why the funds have still not been deposited into the seller bank account. She said she will look into the situation and contact me by email. 

As of the day of submitting the complaint, there is still no contact from the branch manager. 

I have all the conversion records with the seller and can be provided upon request.
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Amex platinum delta credit card has a refer a friend program where if you refer someone and they get approved, you are entitled to receive XXXX bonus miles. Back in the first week of XX/XX/XXXX (  Amex has the exact date ) i referred my wife by sending her the link provided from americanexpress.com in the email. She clicked on the link and applied for the card, she was approved right away. Couple of days went by and i did not see the referral miles show up in my account. I called Amex and they said it takes about 6 to 8 weeks. I called multiple times after a few weeks and then was told the same story. After a while, i decided to open up a complaint with Amex about this issue and escalate it. They opened the complaint ( Amex has the exact date ). Ever since then i have been calling Amex and they are saying that they are still reviewing, It has been since XX/XX/XXXX that i have been calling Amex and they have not issued what i am entitled for. To everyone who is reading this, i have been a member of Amex since XX/XX/XXXX and i urge you to stop your business with Amex as at this point they are in the very shady business. I have immediately stopped using all my AMEX cards and my wife has also stopped using her card.
Product: Credit reporting or other personal consumer reports

I am a victim of human trafficking of Debt bondage and would like for all listed accounts to be blocked and deleted from my credit : XXXX XXXX {$0.00} XXXX Update to never late XXXX XXXX {$0.00} XXXX Update to never late XXXX XXXX {$1300.00} XXXX Remove XXXX XXXX 09/4/2023-Remove XXXX XXXX XXXX-Remove
Product: Credit reporting or other personal consumer reports

I am a victim of a data breach and fraud has occurred involving my personal information. Pursuant to the Fair Credit Reporting Act ( FCRA ) 605B 15 U.S.C. 1681c-2, I formally request a fraud block to be placed on my credit report Accounts listed as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquires 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

I opened a checking account with Simple.com which had no fees. Simple.com was acquired by XXXX, and then XXXX was acquired by PNC Bank. I recently went to check on my checking account at PNC and found that since XXXX of this year, PNC has been charging my account {$7.00} per month in account maintenance fees. I never signed anything agreeing to this fee schedule, and I never received communication that clearly and explicitly stated that I would be charged this amount. I asked the company to refund these charges, but they have not allowed me to submit my dispute because despite providing answers to security questions, they claim that they can not verify my identity.
Product: Credit card or prepaid card

At the beginning of XX/XX/2023 because of ongoing problems with Capital One after an hour on the phone I closed my account. I also sent two letters on XX/XX/2023 ( 1 ) one in response to a ridculous letter with them threatening to close the account after I had already closed the account; and ( 2 ) a letter confirming that the account was to be closed and requesting returning the {$1000.00} deposit. When I closed the account by phone they told me that they would not apply the {$50.00} in rewards which I had earned. 

I try not to use the phone because of a XXXX  XXXX but in violation of the XXXX XXXX XXXX Capital One forces a person to use a phone and refuses to use email. I do not answer phone calls. I only respond to emails and snail mail. 

In XXXX I received a statement showing a credit balance of {$38.00} and a rewards balance of {$50.00}. The cash total which should have been returned to me was {$1000.00}. 

In XXXX I received a statement with XXXX in false charges. I returned the card in XXXX to Capital One along with the letter. Every charge is fake and they have yet to return the money I am owed. 

Capital One is a total scam.
Product: Mortgage

I divorced last year thru an attorney as a XXXX XXXX XXXX and provided the final divorce decree and settlement agreement as well as many other documents Lakeview Loan Servicing requested to complete the non-credit qualifying assumption. I requested the loan to be in my name only and remove my ex-husband 's name. the specialist named XXXX XXXX will not finish my processing request to finalize this. Assumption department has my final divorce decree, settlement agreement, relationship form completed, identity affidavit, assumption occupancy statement and 6 months of bank statements proving I make my own mortgage payments with my own income. 
I began this process in XXXX of 2023 and have made numerous phone calls ( month after month ), sent emails and only given the runaround and no one can give me an answer on the completion process. XXXX XXXX is either out of the office or on vacation and does not respond to my emails. I even spoke to a supervisor in the escalation department and they tell me they have no access to XXXX XXXX 's records and I need to wait until I hear from her but yet she doesn't respond to my emails. Is the assumption process completed? I know it takes about 145 days plus? BUT is it being processed so it can be finalized? Remove XXXX XXXX name from the loan as granted to be via Quit Claim Deed and Final Divorce Decree.
Product: Debt collection

Im being harassed by comenity bank. They are calling 5-10 times a day over a fake debt collection. 

I returned the items they claim I owe money on on XX/XX/2022 at the XXXX store in XXXX, Indiana. 

They have charged a late fee for returning the items.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with a fair credit reporting act the list of accounts below his violated my federally protected consumer rights to privacy and confidentiality under is usc 1681 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Is usc 1681 section 602A states I have the right to privacy Is usc 1681 section 604A section 2 it also started a consumer reporting agency can not furnish a account without my written instructions Is usc 1681. ( A ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following items of information other adverse item of information other than records of the report by than seven years
Product: Credit reporting or other personal consumer reports

My credit score dropped 3 times this month I lost XXXX  points around from my credit score, and there is no reason listed on my credit report I need to fix that please.
Product: Debt collection

In XXXX of 2020 I took out a loan for {$600.00} with SOLID OAK FINANCIAL SERVICES and was paying it back via automatic withdrawals. I however became unemployed due to COVID and advised the loan company in XXXX i would resume payments whenever i financially could. I NEVER received any documentation after that. My employer received a garnishment request in the amount of {$1900.00} from XXXX XXXX. There were no court documents filed. I never received an opportunity to dispute and or settle the debt. and when calling XXXX the only options they give me is to refer to my original loan agreement which was NEVER provided by Solid Oak Financial Services. XXXX also told me the only way I could stop the garnishment was to pay the {$1900.00} in full. I have yet to receive any documentation supporting these actions, time or opportunity to dispute the garnishment and proof of court filings for the garnishment proceedings. 
TO add the original loan amount of {$600.00} HAS BEEN PAID the outrageous amount of {$1900.00} is supposedly fees and interest!
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Equifax, XXXX and XXXX, regarding the unlawful use of my personal information. I believe that my rights under the Fair Credit Reporting Act ( FCRA ) have been violated, and I am seeking your assistance in investigating and resolving this matter. 
There are multiple inquiries on all of my reports that go against 15 USC 1681 ( b ) : " ( C ) the consumer report will be kept confidential, will be used solely for a purpose described in subparagraph ( A ), and will not be used in connection with any other civil, administrative, or criminal proceeding, or for any other purpose. '' There are a total of XXXX accounts on my credit reports that are listed as charge offs and all charge offs are forms of income and should not be listed on my reports.
Product: Credit reporting or other personal consumer reports

I have not been allowed access to my Equifax credit file for over two years. My file has been in existence for over 30 years. I have been denied credit for mortgages, auto loans, and credit cards because Equifax will not fix this issue. I have spent over 100 hours on the phone and sending in certified letters over the part two years trying to get this fixed. Equifax will only say that I must send in a copy of my driver 's license, social security card, bank statements, and utility bills. All of these requests are excessive. I have done this more than 10 times- five have been sent regular mail as certified mail with a return receipt. Equifax states that they have never received anything. This is a lie! 

I can not speak to anyone to fix this, and I am tired of being lied to and denied credit. Please help. 

I can provide copies of all documents and proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

My student loans are serviced by XXXX. In XXXX, I spoke to a XXXX representative over the phone and gave him my bank account number and routing number to make a payment for XXXX months. In XXXX, I was contacted by XXXX XXXX XXXX and informed that my account was more than XXXX days delinquent. I was then transferred to a XXXX XXXX who set up auto pay for me and opined that perhaps the XXXX representative who took my information down did so incorrectly, and that my bank rejected the payment. This XXXX updated my records and brought my account current. I assumed all was well until I received a credit alert that XXXX had reported XXXX accounts XXXX days delinquent, crushing my XXXX XXXX. 
XXXX tells me that it sent me XXXX letters informing me that my bank had rejected the payment and that I was behind in my payments. I received no such letters. There were subsequent phone calls from XXXX that I did not receive, but it is not uncommon for their representatives XXXX or their automatic dialing service XXXX to call me even after a payment has been made. I had no reason to believe I was delinquent, as I made a good-faith effort to pay my loans in XXXX. 
XXXX informed me that it will not remove the delinquent reports from my credit report because it has investigated and has found that the error causing the confusion with my bank was mine. I have asked for evidence, but XXXX will not provide it. All XXXX needs to do to make this right is remove the negative information from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I rented an apartment and my lease was up in XXXX I am in the XXXX and was on XXXX orders and submitted all of this in order to move out early. After doing the move-out inspection the leasing lady said I would get letter in the mail along with a copy of the inspection form. I never received it. Once the apartment starting showing on my credit report I disputed it because I was never made aware that I would be charged and wanted proof of everything. I even tried contacting the company to settle it because after 5 years of fighting it I just wanted it removed. They refused the payment. The rep gave me the info on the website of the charges I had and the letter was not sent to my forwarding address but sent back to the address of the apartment I moved out of. 

Not only are they charging me for ridiculous damages but they also are charging me for 2 months of rent when I should not have been charged at all given I have them my XXXX orders. 

The account has been deleted from one report because they were unable to verify the account as accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Portfolio Recovery Associates have been improperly reporting the status of information to the credit report agencies. On two separate accounts they have been reporting to XXXX as both accounts as an open status that makes them appear upon my credit report as still open and displays as they are still owed even though I had paid them back in XX/XX/2016 and XX/XX/2016. As for XXXX they are reporting one of the accounts as still open and in a derogatory status marked as not being paid. That one would be for XXXX XXXX XXXX XXXX. A phone representative from the disputes department of Portfolio Recovery had said they would update the tradeline on the reports as a paid status and that they then should show as being paid and listed as closed on the credit reports. I have yet to see any changes to my credit reports and I have yet to see any corrections to the errors that Portfolio Recovery has made.
Product: Debt collection

asked company to validate that I had a contract with them or anyone else for the account and they refused. sent letters requesting validation and disputed at credit bureau.   XXXX   XXXX   XXXX   has the incorrect birth year for me and I believe this belongs to someone else.
Product: Credit reporting or other personal consumer reports

My credit report shows a collection from Transworld Systems Inc. I was never notified of this collection. I do not believe this debt is accurate. Under the FAIR DEBT COLLECTION PROTECTION ACT, I have the right to request and receive validation of the debt. Therefore, provide me with a copy of all the following : 1 ) An explanation of what this alleged account balance is for. 
2 ) A calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct. 
3 ) Documentation that shows I agreed to pay this debt. 
4 ) The Agreement that grants you authority to collect on this alleged debt. 
5 ) A copy of your state license, including license number. 
As stated above, send me all five items, which are my right to receive. Contact me through the United States Postal Service only.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my XXXX BUREAUS consumer report and I noticed some inaccurate information posted on my consumer report XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$5000.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1400.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$850.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$9400.00} ( Original Creditor : ) XXXX Balance {$580.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX CARD XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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, 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 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the late payment status reported on the account XXXX XXXX XXXX USA with the credit bureau for several attempts, to no avail.. They did not give me evidence or verification as to why they will not remove the account. The error has greatly affected my credit score.
Product: Vehicle loan or lease

Wells Fargo repossessed my vehicle in XX/XX/2022. I had paid months in advance and had a credit of over XXXX on my account I had lost my job and asked them could they apply the credit towards payments until I start working again. Initially they said okay and a month later I was told they could not apply the credit. And they took my vehicle. I was like XXXX months behind at the time when I asked for the credit to be applied to my car note. My note was {$490.00} and I made several payments of XXXX and was continuing to make monthly payments in addition to this. Wells Fargo is currently being sued for what they did to customers and I think I qualify to get paid from the judgment