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

XX/XX/XXXX I set a prepayment with XXXX XXXX  CC and I received a confirmation of the autopayment. XXXX payment schedule confirmation emails do include the amount of the payment. 

XX/XX/XXXX I received an email confirming payment has been received. 

XX/XX/XXXX, my bank informs me there were two attempted transactions that exceed the balance of my checking account, remit on XX/XX/XXXX and XX/XX/XXXX. I determine that XXXX was processing a payment for the entire balance of the card. It was never my intention of paying the full amount. I log into XXXX website on XX/XX/XXXX and submit a one-time payment to above the minimum payment due. I note there is no autopayment set for any amount. 

XX/XX/XXXX I receive written notice from XXXX  via USPS that there was a insufficient payment on a XXXX payment attempt and that there will be a second attempt on XX/XX/XXXX XX/XX/XXXX I receive written notice from XXXX via USPS that there was a insufficient payment attempt on XXXX and I will be assessed a {$50.00} insufficient fund fee. 

XX/XX/XXXX I receive written notice from XXXX via USPS my credit limit has been reduced due to insufficient payment and my credit line has been reduced XX/XX/XXXX I called XXXX customer service explain I never intended to pay the entire balance on XXXX, and I would have adjusted the payment amount had their email confirmation alerted me to a payment problem instead of communicating the a successful payment. Customer service declined to respond to concern of misleading communication and explained they could not remove the fee nor remove the adverse impact on my credit report. Customer service explained I could only resolve the adverser credit reporting and reverse they fees through written dispute directed to FCRA. I replied this response was insufficient as this conflict would have been resolved had electronic communication been not been misleading and I had been setup to fail by a lack of transparency. 

I requested assistance in paying the full amount over the phone and closing my account. Customer Service acknowledged my ask and assisted me in setting up an one-time payment for the full balance of the card and closing the account. 

I noted in the final one-time balance, the dollar amount was clearly listed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2018, I sent in a pay for deletion confirmation letter from the bank XXXX XXXX XXXX XXXX ( XXXX  ) to the credit bureaus of experian and XXXX, which explained that myself and the creditor had a agreement that was completed in which the account would be deleted in exchange for my payment. The letter is valid and stated completion and if I wanted to speed up the removal process I should send to the reporting agencies. I sent to the credit bureaus but experian and XXXX  never deleted it, their response was " verified ''. But i never received anything in the mail that was a copy of the verifiable proof they got from the said creditor to keep the account on my report. These types of practices by the reporting agencies are illegal, 609 federal law fcra. 
Also after not noticing any changes on my credit report, I sent in a new dispute stating the XXXX account was absolutely not verified and valid as a current account, legally. I needed to receive proof of verifiable documents, signed consumer contracts, etc. for this account to remain and again, got another response saying its still verified with no proof sent to me. The credit bureaus have my current address and contact info, they are just being a pain in the XXXX. This said account being left on my account is not only unfair but it is unjust. My report has been improperly handled which has affected my ability to obtain further credit.
Product: Credit card

This is another complaint in regard to CFPB Case # XXXX. 
Synchrony Bank has once again decided my dispute is without proof or merit. They have been unable to get a response from XXXX [ ( XXXX ) XXXX ] or the XXXX  XXXX XXXX in XXXX XXXX, Kentucky [ ( XXXX ) XXXX ]. 
I have advised PayPal on numerous occasions that the Kentucky XXXX XXXX was CLOSED and OUT OF BUSINESS when we arrived at the location on XX/XX/XXXX. I have opened a new dispute with Synchrony Bank. Their case specialist is " XXXX XXXX  '' at ( XXXX ) XXXX, ext. XXXX. Whenever I call I either get constant ringing with no answer or an instant " busy '' signal. I have attached this email to this complaint. 
The hotel manager, XXXX, had called us while we were on our way to the XXXX  XXXX about two hours out of town. I still have the recording on my cell phone. PayPal said they have no way for me to send them that message. 
XXXX said they would refund the credit card payment of {$1300.00} within " five business days ''. I have that message from XX/XX/XXXX. The recording stated that XXXX would call the hotel. They did call, no answer, of course. They also emailed the hotel and did not receive a response. 
The XXXX transaction number is XXXX and the PIN is XXXX. You must have the PIN to discuss the case. XXXX typically has you on hold for 45 minutes to two hours before they answer. The phone number for the XXXX voicemail I received is ( XXXX ) XXXX XXXX, an international number based in XXXX XXXX. They never answer. 
I am getting tired of fighting this credit card company when either of the parties ( PayPal and XXXX ) could have checked that the Kentucky XXXX XXXX was closed, from the date I paid for the reservation, XX/XX/XXXX, to XX/XX/XXXX. 
The owner of the hotel is XXXX XXXX. His address is XXXX XXXX XXXX, XXXX XXXX, Kentucky. His newest phone number is ( XXXX ) XXXX. He has never returned a call to me. 
I contacted the Kentucky Secretary of State at ( XXXX ) XXXX. Their voicemail system puts you in a loop and even though I left a message and emailed them, I never received a response back. 
I contacted XXXX XXXX, Occupational License Manager for the City of Bowling Green. I have attached his email to this case. His phone number is ( XXXX ) XXXX. 
The receptionist for the XXXX XXXX  firm with an office at the " hotel '' address called me to say they understand the case and are trying to contact the property manager. No update as of today. 
I left a message with XXXX XXXX, another tenant at the XXXX XXXX XXXX address of the original hotel. She called me back to say her owner will look into the situation. No update at this time. 
As of early XXXX, PayPal Credit said they would be satisfied with a letterhead ( from a CLOSED BUSINESS! ) with facts stating the case of the hotel closure. I have left messages with XXXX XXXX and XXXX about this simple request. I called XXXX TODAY and left the same message again. 
We had to stay at a different hotel in XXXX XXXX, the SYNC. That location was an absolute delight, precisely opposite of the case with the XXXX  XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XXXX I wrote a letter to the Clerk of Court, United States Bankruptcy Court, XXXX XXXX of Indiana asking to verify the procedure in which the court verifies records with credit bureaus Transunion, XXXX and XXXX. On or about XXXX I received co the Correspondence from the clerk stating " The Clerks office does not provide information about bankruptcy cases to third parties, including credit reporting agencies. On or about XXXX I filed another dispute in writing with the 3 before mentioned credit agencies and specified the information from the clerk of court and demanded the bankruptcy be removed from my credit file because the reporting requirements do not comply with FCRA 611 ( 15 U.S.C.1681 ) The bankruptcy in question was dismissed on or about XXXX  by motion of the court.
Product: Debt collection

I sent a letter asking the company to verify the debt and they never did so. They also proceeded to put said debt on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In order to unfreeze my credit profile with Experian, they now require me to create an account. 

After creating my account, they are sending daily marketing messages. They are claiming these messages are " account alerts '', but they're for other financial products and paid services that Experian is trying to upsell me on. 

There is no option to unsubscribe from these messages, because they are " account alerts ''. If I filter these messages or mark them as spam, I may miss important information about my credit freeze status ( e.g. a malicious actor manages to unfreeze my credit report ).
Product: Credit card or prepaid card

There really wasn't an option for my issue. Chase Credit Cards closed my account late last year because my last name didn't match my new married name on the joint bank account I was paying from XXXX not the issue, but none of the other cards did that ). My issue is that since the cards have been closed, they will not allow me to pay off or pay more than the minimum. I am guessing this is not ok, and I am hoping it is not acceptable. 
I sent them an email with my issue today also telling them that I was filing a complaint. It isn't my computer, I have tried different ways and refuse to pay a fee by calling in a payment. I shouldn't have to pay their high interests fees for years if I can pay it off today or even pay more.
Product: Debt collection

transworld systems has lied orally and in writing that they do not own the debt that they are trying to collect the original creditor an apt . sold the debt transworld has lied over and over that they represent the apts and do not own accfount have letter from them thayt says the apt is creditor lie credit reports show they own account cant move turned down from 3 apts because of this we are in our 70s and held hostage
Product: Debt collection

Midland Funding LLC/ Midland Credit Management Inc. is a third party company that is trying to obtain payment from me using aggressive fraudulent tactics. This company has reported negative statements on my credit profile without written or verbal consent.This company is attempting to sue me for said debt with fraudulent means and inaccurate information. This company has sent someone to my home. My address was not given to them and it was a breach of peace. The phone calls have become harassing and constant. I have also verbally stated to their representative to cease and desist but the phone calls and letters keep coming. This company has also threatened to garnish my wages without consent.I have do contractual obligation with Midland Credit Management or any of its associates.
Product: Checking or savings account

On XX/XX/year>, my daughter was victim of someone hacking her checking and saving account through XXXX XXXX. She immediately contacted the Navy Federal and notified them of what happen. The advised her to get a new debit card and in XXXX to XXXX business day they would replace her losses. They did state this was temporary until the investigation was over. On XX/XX/year>, they made a decision and went back and withdrew the money from her account. If she had not gone the store that faithful, she would not have any knowledge of the withdrawal transaction. They left her account in the negative stating that the reason for withdrawal was because there was no error committed. So, she filed an appeal on the same day with evidence showing she was hacked. I was told by Navy Federal to remove any money left on that account and put in another account. I did just that to try and keep her money safe. I transferred the money to my savings account because she wasn't able to withdraw it from a branch in XXXX, TX due to hurricane XXXX. My compliant is On XX/XX/year>, Navy Federal withdrew XXXX from my account to make daughter 's account current just because my name is on her account. I understand if this matter was the fault of my daughter, but in this it's not. With them pulling this amount out of my checking account has inconvenience me in paying my bills mainly my mortgage which is XXXX. Being a XXXX XXXX  member I have my setup for the XXXX and XXXX. When I discovered the withdrawal, I immediately contacted Navy Federal and asked if they could reverse the transaction because I need to pay my mortgage and there was an appeal submitted on that account. I was told by the Supervisor there is nothing we can do, and I understand. How do you understand but can't do anything. My daughter called to asked how long the appeal take and she was that it was in process, and it could take a minute because they get a lot these every day. UNSAT. My family having a place to live does not constitute a minute. I am currently looking for another bank to do business with.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Identity Theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of identification. I'm deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of receipt of this report, failure to do so is a violation of my rights.
Product: Consumer Loan

I was 15 days late on my car payment and credit acceptance took my car in XXXX illegally without sending me any notice that they were going to do it, I called credit acceptance and asked them why did they take my vehicle. They said because I had a late payment and that they have a right to pick up the vehicle when it 's a late payment. I went and got my car back the same day, I had to pay towing, storage, and a repossession fee as well as the 15 days that I was late, plus the payment that was coming up before the due date.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against XXXX and Trans Union. I just filed one with XXXX XXXX because I thought they weren't updating their files or the account on my credit report since I paid them off in XXXX of XXXX, but I noticed XXXX XXXX has been showing as settled with a {$0.00} on XXXX since XXXX of XXXX. I can't be sure if XXXX XXXX only updated my XXXX report, or if Trans Union and XXXX were notified and they just didn't update their records. But since I am noticing another XXXX of my debts which shows as {$0.00} and paid off on XXXX since XXXX as well which would be the XXXX XXXX XXXX XXXX, and not on XXXX and Trans Union, then I believe its XXXX and Trans Union which are not doing their job. I need them to remove these accounts from my credit report now since they are clearly sabotaging my credit report. It is unlikely 2 different creditors only updated their info with XXXX. It is more likely that XXXX and Trans Union are simply not doing their job and correcting my report like they should be. Even more so since I called XXXX XXXX on XX/XX/XXXX and I let them know they needed to fix this. 

I now need them to remove these accounts from my credit report since they have been wronging me since XXXX of XXXX
Product: Student loan

I was part of the XXXX XXXX XXXX settlement. According to court documents full relieve was to be granted on or before XX/XX/2024. I have not received all refunds and I have not received my discharge letter for borrowers defense for both schools I was awarded.
Product: Checking or savings account

XXXX. I requested several times for illegally withdrawn amounts on my account be stopped. There are fraudulent withdrawls from vendors in countries that run rampant with scams. I provided all the documentation to a key individual at the branch, she notarized my signature on the forms, then never submitted them. I followed up on the charges, and I was ignored. I reached out numerous times to find out what is going on, resubmitted the documents via email, and finally after weeks was informed that I have to open a new account and that all of the charges are valid. This is incorrect. They are not valid. I do not authorize them. I have documents I would like to upload, they show all the necessary information. 
XXXX. I lost my phone and can not access my account because it sends a XXXX time code. I called Key Bank call centers and branch locations and they refused to let me update my phone number regardless of the suggestions I had such as sending a notarized statement, or a zoom call with me holding up my passport, drivers licence, verifying PII, etc. I am XXXX, and had reconstructive XXXX. I am immobile. I can not hop in a car XXXX XXXX to another state so that I can show them my DL in person, just to update a phone number so that I XXXX access my account. I requested their policy, and was refused. I requested the law, the reason, etc and was simply told " We cant do it '' so as a XXXX person, I made a reasonable accomodation request that they make an adjustment to their policy about proving identity in person and allowing a different verification method since I am immobile. They refused. The IRS does it, XXXX does it. I think they could also verify via zoom or a notarized document. It is considered discrimination against a XXXX when you do not make an adjustment to policy that would not adversly effect their institution. Furthermore, they cry security risk yet allow scammers from XXXX to continue to steal my money every month, so how does that compute? 
XXXX Key Bank call center XXXX XXXX and XXXX. Call # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a XXXX XXXX veteran with a XXXX XXXX  XXXX rating. Medical data systems has continued to place collection accounts on my credit reports. Some have been removed and replaced with different amounts and some placed on other credit reports with different credit bureaus. I have disputed the same accounts so many times that I no longer have the option to dispute them with the credit bureaus. Please any help with this matter would be great.
Product: Debt collection

Try to open account and I cant due to fraud .someone been trying to
Product: Credit reporting, credit repair services, 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. 

Account Name : XXXX XXXX XXXX Account # XXXX, Account Name XXXX XXXX XXXX XXXX Account # XXXX, Account Name : XXXX XXXX Account # XXXX, Account Name : XXXX XXXX Auto Account # XXXX, Account Name : XXXX Account # 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 XXXX 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: Student loan

I am a borrower from the XXXX student loan program that was shut down in 2010. And I have been making payments on my loan since XXXX. My loans are managed by Navient. Due to the lack of information provided at the launch of the Federal Student Debt Relief Program last XXXX, I sought out information about qualifying myself. I contacted both the Department of Education and Navient. 

At that time, I was told I had an option to consolidate to Direct Loans, but that was a high risk. I was feeling unsure about taking the risks of a higher interest rate and other long-term repercussions of that consolidation. Commercially run XXXX loans were a gray area at that time and I thought it best to await further information to make a more informed decision. Only to then receive an email on XX/XX/XXXX that I missed a deadline that was not established until the deadline was crossed. Only those who had consolidated PRIOR to XX/XX/XXXX were going to eligible for relief and those of us with loans that are legitimately federal would be now be excluded. As if we were to predict the future. I would like to further more state that there is zero control given to the consumer regarding what entity takes on your loans. A Federal loan is still a federal loan. 

This is affecting millions of honest, hardworking Americans that have been paying off loans for decades and accruing interest from predatory banks. It is not right to exclude us from relief because who is in control of our loans. We had no say over that. And those of us who proceeded with caution are also being put out and the way we were informed was, quite frankly, a slap in the face. Having a degree in higher education should not mean you have a federal burden for most of your adult life. We contribute to society, we are parents, homeowners, and community members. Education is a right not a privilege. Granting us the freedom from loan payments would positively impact my family and millions of others. 

Please consider including the commercially owned XXXX borrowers in President BideXXXX 's plan. We have paid enough.
Product: Credit reporting or other personal consumer reports

I have previously disputed the above referenced account on XX/XX/year>. These items were deleted from the credit file on the subsequent credit report of XX/XX/year>. However, now these items have reappeared on my credit report. 

In accordance with the requirements of the FCRA, I am hereby requesting your complete compliance with any and all of the provisions listed below and permanently remove this item.

FCRA 611, Procedure in case of disputed accuracy { 15 U.S.C. 1681i ] Requirements relating to reinstatement of previously deleted material.

Certification of accuracy of information. If any information is deleted from a consumer & file pursuant to subparagraph ( A }, the information may not reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies the information is complete and accurate.

If any information that has been deleted from a consumer & # 39 ; s file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. Additional information. As part of, or in addition to, the notice under clause ( ii }, a consumer reporting agency shall provide to a consumer in writing no later than 5 business days after the reinsertion date.

( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumer & # XXXX ; s file disputing the accuracy or completeness of the disputed information. XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX