23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

My loan provider, Navient, has repeatedly provided misleading information about accrued interest and most recently when I set up auto pay in XX/XX/XXXX around the first of the month when my payment was due, the customer service rep stated that my payment is not due until XX/XX/XXXX. She made it sound like I was ahead of schedule on payments so I wouldnt have another payment until XX/XX/XXXX, therefore skipping my XX/XX/XXXX payment. When XX/XX/XXXX came around, none of my payment went towards the principal because I had accrued double of what I normally pay per month. When I called to ask why today, I was told that they moved the date to XXXX as a courtesy. This, to me, among other things is very misleading!
Product: Credit reporting, credit repair services, or other personal consumer reports

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, AL XXXX ; XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, AL XXXX ; XXXX XX/XX/2021 ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Product: Credit reporting or other personal consumer reports

I am disputing the following inaccurate information on my credit report : * Creditor Name : XXXX  XXXX * Account Number * * XXXX * Issue Briefly explain the inaccuracy, e.g., incorrect balance, fraudulent account, duplicate reporting, or account that does not belong to you. 
Under 15 U.S.C. 1681 ( a ), you are required to conduct a reasonable investigation within XXXX  days and correct or delete any inaccurate information. Failure to comply constitutes negligent noncompliance, making you civilly liable under 15 U.S.C. 16810.

I have attached supporting documentation, including list what you're uploading, such as ID verification, billing statements, or proof of payment Please correct this curacy immediately
Product: Credit card

I am the owner of a vacation rental business and am filing this complaint regarding a credit card dispute involving USAA Federal Savings Bank - Credit. On XX/XX/year>, a customer booked one of my vacation rental properties for XX/XX/2025, which included a popular holiday weekend. The customer agreed to our terms and conditions, including our cancellation policy, at the time of booking. 

Subsequently, the customer decided to cancel their reservation. As per our clearly stated cancellation policy, they were entitled to a 50 % refund, which was promptly processed. 

However, the customer then initiated a dispute with USAA Federal Savings Bank - Credit. Without proper investigation or consideration of our documented policies, USAA decided to refund the customer their entire purchase amount, effectively overriding our cancellation policy and withdrawing funds from my account. 

This action by USAA appears to disregard the agreed-upon terms between my business and the customer, and potentially violates fair practices in credit card dispute resolution. I request an investigation into USAA 's decision-making process in this matter and seek clarification on their authority to override clearly stated business policies in such disputes. 

I have documentation supporting all aspects of this complaint, including the original booking agreement, our cancellation policy, proof of the 50 % refund, and all relevant communication records. 

Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXXXXXX Balance : {$3600.00} XXXX XXXX XXXX XXXXXXXX Balance : {$3600.00} XXXX XXXX XXXX XXXXXXXX Balance : {$3600.00}
Product: Credit card or prepaid card

On XX/XX/XXXX ( and other dates ) I received a promotional email from Bank of America about a BankAmeriDeal. According to the deal, if I used my Bank of America card to sign up from XXXX XXXX XXXX, I would be rewarded with {$5.00}. 

I signed up for XXXX XXXX XXXX  on or around XX/XX/XXXX ( according to the BoA rep I spoke with later, the transaction posted on XX/XX/XXXX on their end ). Bank of America never provided me with the {$5.00} reward. 

When I called Bank of America on XX/XX/XXXX and XX/XX/XXXX to inquire about this, I was provided with the following explanation : Because the merchant ( XXXX ) coded the transaction as " XXXX XXXX '' rather than " XXXX XXXXXXXX XXXX '' I was not eligible for the promotion. 

I have proof that I signed up for XXXX XXXX XXXX using my BoA credit card, and I offered to provide that proof to BoA. Bank of America said there was no way for them to review that proof and that there was nothing further they could do. 

I believe this was a deceptive practice. If Bank of America meant that I would get {$5.00} for signing up for " XXXX XXXX, '' they should have said that in their promotion. But they said that I would get {$5.00} if I signed up for " XXXX XXXX XXXX. '' I did sign up for XXXX XXXX XXXX, and they refused to give me the {$5.00} bonus. It's unfair for them to not hold up their end of the bargain. Their back-end coding issue, which was never disclosed upfront, should not excuse them for refusing to follow through with their end of the bargain that they advertised.
Product: Money transfer, virtual currency, or money service

I've been unable to access any funds in my crypto  account for several months. I can't buy or sell any assets. It's been months and months of them telling me, my account is under review. As of late, they say I need to be re-verified, but I can't get a response in how to do so.
Product: Credit reporting

I am overly confused by the correspondence I have been receiving from not only your bureau, but the other XXXX bureaus also. I have a lot of items that are reporting inaccuracies, and your bureau has verified these accounts. I do n't understand how the disputing process works when you perform it, but I do believe you are doing something wrong on your end. Again, I am writing to dispute the following items to be DELETED from my credit report as soon as possible : XXXX XXXX XXXX Investigate the late dates reporting on this account. The months you are reporting do not match my records. Please remove all lates from reporting on this trade line. 

XXXX XXXX XXXX Please run a full examination on this account name and number because it does n't look right and delete this account from my credit report. 

XXXX XXXX I am disputing this account in its entirety because I feel that it is a violation of the Fair Credit Reporting Act. Please check with the furnisher of this account and make sure it is 100 % accurate and verifiable and delete it from my credit report. 

XXXX XXXX XXXX XXXX Please investigate the late dates reporting on this account. The months you are reporting do not match my records. Please remove all lates from reporting on this trade line. 

XXXX XXXX I do not believe I was late on the dates you are reporting. Please report the payment status positive and remove all lates from reporting on this account XXXX XXXX XXXX Please run a complete investigation on the account name and number because I feel it 's not accurate and discard this account from my credit report. 

XXXX XXXX Run an investigation on the assigned date and last activity date because this does not match my records. This account is passed the statute of limitations as well. Please remove this collection from my credit report.
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX / XXXX XXXX Balance : {$6.00}, XXXX XXXX  XXXX Balance : {$2900.00} XXXX XXXX XXXX Balance : {$3500.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$4600.00} XXXX XXXX Balance : {$13000.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX : {$12000.00} ; XXXXXXXX XXXX XXXX Balance XXXX {$9800.00} ; US DEPT ED XXXX Balance XXXX {$5000.00} ; US DEPT ED XXXX Balance : {$6200.00} ; XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Mortgage

On XX/XX/XXXX, I locked my rate with Better Mortgage for a purchase transaction. Before I locked my rate, I was matched with a XXXX XXXX XXXX XXXX XXXX and therefore qualified for the Better Mortgage XXXX XXXX refund ( XXXX XXXX XXXX ). The 1 % refund ( {$5100.00} ) was applied shortly after I locked my rate and my interest rate was lowered from 3.125 % with roughly {$4800.00} in lender credits to 2.75 % with {$3300.00} lender credit. Eventually I noticed that the 2.75 % interest rate included {$1800.00} in points. However, the rate table, which is attached, had a rate that included a 2.75 % interest rate with {$700.00} in lender credits. At this point, I contacted my loan officer to determine the discrepancy between the rate that I originally locked at. After some back and forth, my loan officer eventually mentioned that if I wanted a lower rate then I would lose some of the credits. I understand that Better has a policy that provides max lender credits of {$5000.00} for each interest rate but there was no explanation about why they changed the rate table or why I was no eligible for the 2.625 % or 2.5 % rate on the attached rate table.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX2020 - I had noticed accounts on my report that didn't belong to me. I immediately sent in a dispute to XXXX, TransUnion, and XXXX. 

I didn't hear back so I sent a Demand to comply with investigation on XX/XX/2020. 

Today is XX/XX/2020 and I still haven't even heard back from these Companies not even yet man. Signature and Attached legible SSc and id as well This insane it has ben over 34 days!!!!
Product: Debt collection

I recently reviewed my credit report for inaccuracies and I noticed a company called " Pro Collect '' reporting a debt to XXXX, XXXX XXXXnd XXXX on my credit report for {$760.00} on XXXX XXXX, XXXX. I did research on the company to make sure it was a legal company and they were legally able to collect debt. I searched the State of Texas XXXX website and their is no record of this company in their database to collect debt. I am not sure if this company is running a scam. According to the State of Texas this company is in violation and I would like for them to be removed from my credit report. 

FINANCE CODE TITLE 5. PROTECTION OF CONSUMERS OF FINANCIAL SERVICES CHAPTER 392. DEBT COLLECTION SUBCHAPTER B. SURETY BOND Sec. 392.101. BOND REQUIREMENT. ( a ) A third-party debt collector or credit bureau may not engage in debt collection unless the third-party debt collector or credit bureau has obtained a surety bond issued by a surety company authorized to do business in this state as prescribed by this section. A copy of the bond must be filed with the secretary of state.
( b ) The bond must be in favor of : ( 1 ) any person who is damaged by a violation of this chapter ; and ( 2 ) this state for the benefit of any person who is damaged by a violation of this chapter.
( c ) The bond must be in the amount of {$10000.00}.
Acts 1997, 75th Leg., ch. 1008, Sec. 1, eff. Sept. 1, 1997.
Sec. 392.102. CLAIM AGAINST BOND. A person who claims against a bond for a violation of this chapter may maintain an action against the third-party debt collector or credit bureau and against the surety. The aggregate liability of the surety to all persons damaged by a violation of this chapter may not exceed the amount of the bond.
Acts 1997, 75th Leg., ch. 1008, Sec. 1, eff. Sept. 1, 1997.
Product: Credit card or prepaid card

I opened a Wells Fargo credit card account. I've had to replace the card several times because each time I get a new card, I use it for a couple weeks without problem but then I begin to see several charges that are not made by me. In the last month, I've had charges upward of XXXX from transactions like 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 I've reported to Wells Fargo-they have credited some items, not all. I suspect that it's one of Wells Fargo 's employees who keeps getting ahold of my personal info. I never lend my card to anyone, all of the charges come at once because they know I always report the card stolen when this has happened before. I will be paying the charges that correspond to me, disputing the rest and closing the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested validation twice directly to XXXX XXXX XXXX. No validation is provided within 30 days. Rep said the email probably went to spam. I never agreed to have email as an acceptable form of communication. I should have had the chance to refuse this form of contact. Delete immediately not only have they exceeded the 30 day validation request to prove I owe the debt to XXXX XXXX directly, i was never given the ability to properly dispute this form of initial contact. They responded by saying that the email was probably in my spam folder. That is not acceptable. Please delete it immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX Late payment, XXXX Late payment, XXXX Late payments, XXXXXXXX XXXX late payments and XXXX balance, Collections XXXX. Equifax XXXX Late payment, XXXX late payment, XXXX late payment, XXXX late payment and balance XXXX. 
Collections XXXX. XXXX XXXX Late payment, XXXX late payment, XXXX late payment, XXXX XXXX late payments and XXXX balance. 
Collections XXXX, XXXX, XXXX, XXXX. 
15 U.S.C 1681 Section 602A. 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 an 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 conviction 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 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 attempted to have Experian and the original creditors remove these two collections accounts They NEVER were my accounts and they were opened without my knowledge or consent. I have not lived in XXXX in over 12 years. My permanent address is in XXXX  and I have lived and worked in XXXX and XXXX since XXXX. I am attaching my ID 's to confirm this. Experian NEVER resolved or investigated this, and keeps saying the accounts are " confirmed ''. This is libel and slander, and could cause me to lose my security clearance. I never lived on XXXX in XXXX XXXX or on XXXX XXXX on XXXX. 

I never opened or had accounts with : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXXXXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXXXXXX XXXX XXXX XXXX  Account Name : XXXX XXXX XXXX XXXX  Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXXXXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Mortgage

We had filed for bankruptcy a few years ago, and it was discharged. then we started getting letters form the city of XXXX about weed control. we sent them copies of our bankruptcy and tried to explain that we no longer had control of said property. if to this day we keep getting told that the bank never follow through with fore-closer and that westill have our name on the papers. then the first part of XXXX 2015 we get a letter form a lady that we must take care of a tree. What do we do?
Product: Credit card

I paid my final bill, balance in full of this credit card company, but then they sent me another bill charging me interest on a supposedly balance that they created a fake/fraudulent balance? To still take more money from me even though I had paid my balance in full in my last bill, before they still send me this other bill they say is " Final '' to charge me still interests that does not exist, or make any sense because I paid the whole balance I had with this company in full, But they are still trying to defraud me, by charging me interest, when I already paid off my bill my full balance I had with them? This company is committing fraud against me as a consumer/customer? Creating and coming up with a balance when had already PAID IT OFF my full balance? 
This company is trying to take more money from me no matter what, I have never seen or been thru such a thing in my life, in which I PAY OFF a credit card and then have them still come up with a last bill charging me still interests on a fake balance they created just to take more money from me, I have paid off other credit cards in the past and never ever none of them send a final bill, charging interest only as this company is doing to me.
Product: Debt collection

Failure to rectify this situation within 10 days will result in a formal complaint to the FTC. You have a legal obligation to respond within 15 days ; failure to do so constitutes a violation subject to fines up to {$1000.00}. I trust you will comply promptly to avoid further action. Please provide the investigation procedures for XXXX XXXX XXXXXXXX within 10 days to prevent escalation.
Product: Credit reporting

I have no idea what constitutes a " final response '' from Trans Union. Please change your form so that this unreliable question is not a forced-choice requirement on your complaint forms. I need to get a copy of my TU report to XXXX XXXX XXXX XXXX which requires it to join. I have a security freeze on my report to minimize the amount of false junk that TU puts in my file. Today when I called it to temporarily release the freeze, it refused to do so. It also took a very long time, transferred me around and forced me to repeat the same information twice to XXXX different people. Along the way, I could not remember some number TU assigned to my account some time ago when I placed the freeze on my file. TU then wanted me to answer " security questions '', including where I use to work. I do not want to provide information to TU since it is a hostile party to me and is built on a business model that is hostile to my best interests. I do not want to confirm or deny that I use to work at any particular place, since I have seen it use this as a way to confirm its own records. I have nothing to gain but usually something to lose confirming information to TU it may not have obtained or have valid confirmation for. I asked the TU representation to ask me another, alternative question and he refused to do so. So, as is the usual drill with these obnoxious corporations that traffic in your personal information, then try to get you to confirm the garbage they collect and invent for you and then try to sell, I can not get them to release a report to XXXX XXXX XXXX XXXX. 

Please require Trans Union to release my credit report to XXXX XXXX XXXX XXXX only and then immediately reinstitute the freeze on my account. In particular, I do not want TU selling personal information about me to any third party whatsoever besides XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2017, I had to freeze my accounts at Equifax, XXXX, and XXXX because of the security leak at Equifax. Equifax has not offered any viable solutions to the fact that they failed to protect the confidential accounts of millions of Americans, and in fact we did not have any CHOICE about their having this information about us in the first place. They are not even able to verify whether we are in the pool of people whose information has been compromised. Meanwhile, our information could be out there, being used by the hackers. 

As a result, I had to freeze our accounts. In my state of Tennessee, that means I had to pay {$7.00} per account for this freeze, and when I want to unfreeze it, I will have to pay {$7.00} per account again. I will have to pay {$7.00} per account EVERY TIME I freeze or unfreeze the accounts. 

This should NOT be my responsibility. Why am I being financially penalized for the incompetence of a service I never gave permission to have my information anyway? At a minimum, Equifax should have to pay these fees for me AND for every customer who has to pay them, every time.