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

My wife and I bank through Simple Bank, which has BBVA USA as the parent bank. On Wednesday, XX/XX/XXXX, my wife and I noticed that our debit cards were either declining or saying that the cards were not authorized. We had attempted to use the debit cards attached to our joint checking account. I tried to relocate money to my personal account to see if it was an issue with the joint account. I could not relocate money using either the app or through the web browser. I had called into Simple Customer Support and asked what was going on. I was at that point told that BBVA had suspended our account because they suspected we were victims of unemployment fraud ( My wife and I are currently receiving partial unemployment ). There was no notification issued to us. During the phone call, I was told that the issue would be resolved by the next day ( XX/XX/XXXX ) and someone would reach out to us. I called on XX/XX/XXXX because I hadn't received any updates and was then notified there was no updates for me. I called again on XX/XX/XXXX and was told there were still no updates for me. Today, XX/XX/XXXX, I called and was told there was STILL no update for me. Because my account is suspended, I have XXXX access to my money, bills can not be pulled ( I had authorized two utilities to be pulled prior to the account being suspended ), and unemployment/paychecks can not be deposited. We have a few XXXX dollars in savings in this account so money shouldn't be an issue for my wife and I, but now we are going on a week with XXXX access to this money. My wife and I need to eat and we need to put gas in our vehicles in order to get to work. We are not victims of fraud and this issue should have been able to be resolved much sooner. We have not been given any updates regarding how the investigation is going or when it will be resolved. I have made attempts to have Simple Bank temporarily unsuspend our account or have them manually move some of my money into my personal account ( which is not suspended ) so I at least have some form of access to money. I was told that they can not do that. All communication has been via phone and I don't have any phone recordings.
Product: Checking or savings account

I opened a checking and savings accounts with Citizens Bank on XX/XX/22 with a promo code that included a {$520.00} bonus for opening those accounts and fulfilling some basic requirements. 
I fulfilled those requirements ( direct deposit to checking account for {$320.00} bonus, monthly deposit to savings account for {$200.00} bonus ) and was supposed to get that bonus by XX/XX/22. 
However, no bonus was deposited to my account and my attempts to contact the bank and get this resolved were unsuccessful.
Product: Debt collection

I noticed a negative report added to my credit bureau by DNF Associates today. I never received calls or mail and nobody validated this Debt. I dont know this company DNF? Nobody attempted to call me for any debt or mail me letters for this debt? How is it that this is reported to the credit report without any communication? No letters, no mail, no calls? There were no calls or mail sent to me by any companies so why would they go ahead and add it. This is a violation of the fair credit act and a violation of my rights. I would like this removed from my credit report since it is a violation of the fair credit act. I did not receive and call or any mail to validate any debt. There were no communications received from either company. Please remove this from my credit bureau at once.
Product: Mortgage

I acquired a home mortgage loan from Bank of America for {$100000.00}. This mortgage loan was totally satisfied on XXXX XXXX, 2015. For an unknown reason, Bank of America refuses to provide me with the mortgage release documents.
Product: Credit reporting or other personal consumer reports

I am writing to address a significant discrepancy on my ally auto loan account. It has come to my attention that ally reported my car loan as delinquent for the month of XX/XX/year>. However, this claim is inaccurate. 

The payment for XX/XX/year> was taken out of my account. Subsequently, I received a reimbursement check from XXXX, with the explanation that the payment had been canceled. 

I have already provided proof that my account was reimbursed for the payment amount in question. Specifically, I received a returned payment check for the amount ally claim was never received. XXXX  team acknowledged this reimbursement during our previous communication, yet the delinquency status remains on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting 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/block any items listed on an id theft report. Please find the ATTACHED documents to assist in 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. 
SOCIAL SECURITY XXXX XXXX .... Balance : - ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX 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: Mortgage

Applied for a short sale with The Money Source - servicer for the FHA loan. There is a partial claim as well that was part of a loan mod before XXXX took over the loan. XXXX has no clue how to service an FHA loan and closed out my review even though I have an offer at the appraised value because they did not include the partial claim in their calculation. I requested an appeal through my online portal and it has been over 2 weeks and the appeal is not open because they are saying the email had to go somewhere else. My attorney also sent in documentation that they are incorrectly servicing the FHA loan and they claim they did not receive it, even though counsel has a confirmation email that it was received. Called in on XX/XX/XXXX to check on the appeal and was told it had not been submitted. XXXX, the XXXX for the account said she would get it submitted. Called in on XX/XX/XXXX to check on the status of the appeal- was told it is a closed file, no appeal ever received. Not sure how that jives with the XX/XX/XXXX call when XXXX could see it, but now they cant. The Money source will not take responsibility for not reviewing the file correctly and instead putting the blame on their borrower. there is an attorney on this case, the attorney sent in the documents on XXXX, but they will not open the appeal because the borrower sent an email in the secure portal and not to the generic " lossmitgation '' email. This is ridiculous.
Product: Credit card

I applied for a Home Depot Credit Card because it said that they offer no interest for 6 months on purchases over {$290.00}. I bought carpet for over {$3000.00} and they are charging me interest even though I have made my payments. They say that I can not get the " no interest '' promotion because the store gave me a XXXX % discount at the time of purchase. Their full page XXXX ad and small print at the bottom says XXXX about the fact that you ca n't have any additional discounts and the store did not advise me of this. Their practices are misleading and deceptive.
Product: Credit reporting or other personal consumer reports

I told the credit report agency that those addresses do not belong tome and are undeliverable and they need to be deleted. The company refuses to delete them. This is my second time reaching out to the cfpb for help.
Product: Student loan

I took out a private student loan from Sallie Mae beginning in the XXXX School Year. My mother assisted me through the loan process because I was only XXXX years old at the time. We were told by Sallie Mae that we should take out one loan in Semester Increments in order to keep loan costs to a minimum and that I would not need to worry about repayment until after graduation. We were instructed to reapply each semester for the money needed for that semester, but that the money we were lended was only part of one total loan amount. Fast forward to graduation in 2009, when my loan came into repayment. I very sadly discovered that we had been deceived by Sallie Mae. The money I was lended each semester was not part of one loan but, XXXX separate loans with their own flexible interest amounts attached to each one! In my dismay, I had {$89000.00} dollars in debt dispersed between all these loans! That dishonesty on their part has made it nearly impossible to pay off these loans! Right out of college I began making large payments on the loans, but Sallie Mae would not allow me to make overpayments to specific loans. I spoke to them on multiple occassions in between XXXX and they said that they had to divide the payments equally between all the loans and that I could not specify an over-payment to one specific loan. This dishonesty also has made it nearly impossible to pay done the principal amounts. 

I have also had to call for assistance with optional repayment plans due to health issues and my husband 's job loss in between XXXX. I told my only options were forbearance or interest only payments. Sallie Mae advertised that they had income flexible payments, but they did not hold true to that either. 

I now have experienced XXXX XXXX and chronic XXXX XXXX over the past XXXX years and our finances are in disarray due to the dishonest gain of Sallie Mae/ Navient. We never defaulted on our loans and we still own almost $ 45,000.Our monthly payments are {$540.00} dollars each month and we struggle just to make ends meet. I am not eligible for total disability, so there is no option for forgiveness in my case. I am not healthy enough to work more than one day each week, but there is no end in sight to these loans. I just wish Sallie Mae had been honest with us. I would have never done business with them!
Product: Checking or savings account

I went to my local bank branch at US bank in XXXX on XXXX XXXX., I used the ATM drive through to deposit {$500.00}, the ATM pulled all the money in but then shot it right back out but only shooting out {$400.00} and not the {$500.00} I initially put in, so it kept {$100.00}, even the employee I spoke with after the incident stated she saw this on her computer, she saw the error! but I still had to file a claim she could not do anything in the moment to resolve this. So I filed the claim, waited 10 business days to find that the bank was denying my claim! How can they deny a claim when their actual employee saw the error herself in their bank computer system! So someone has my {$100.00} whether it is the bank employees or the ATM people that pick up the cash. This is not okay, I would like an actual full investigation into the ATM itself the ATM employee and whomever handles the cash in that ATM, someone should be held liable for stealing my {$100.00} and it should not be me!
Product: Credit card or prepaid card

I'm POA for a friend. I have access to her Chase Checking and Savings accounts ( i.e., I can see them when I log into my Chase bank account. ) However, I can not see her Credit Card Account or Mortgage Account. Can you help with this?
Product: Credit card or prepaid card

The Bank of America is holding onto 6000 or more of my money. I'm receiving benefits from the California XXXX. BOA flagged my card for fraud and froze my account. BOA distributed unsecure cards with only magnetic strip technology. I have taken all steps to verify my identification, including visiting a branch in person with several forms of ID. I believe they are deliberately delaying the process for 1.5 million Californians in order to hold and invest this money. Not only is this a failure on behalf of California policy and the EDD to send verification to BOA, but the BOA is deliberately delaying urgency to solve this problem that they created. This delay even caused the The whole system was designed to fail. Distribute unsecure cards, flag and freeze accounts, and continue investing money that is in holding.
Product: Credit card or prepaid card

I opened a XXXX XXXX XXXX close to 10 years ago. I have been using my card diligently including becoming one of their best customers in the Luxe card category. I have been making payments as required by the card agreement including making extra payments. I recently updated the details for one my accounts that I use for payment. However when I proceed to check out my payment, the system defaults to the old account that I no longer use. It has happened twice in XXXX and last week XXXX XXXX XXXX. The payments am attempting to make are not the required monthly minimums but rather extra payments. The card has always been paid on time, with no missed or late payment for 9 years. Unfortunately yesterday when I attempted to use the card the transaction was declined. I made an effort to contact Synchrony bank the card issuer and was told my account was closed due to returned payments on two occasions. I requested that they review my account, payment record/history, duration the account has been in service and other information on my credit file. However one the managers XXXX XXXX declined my request. I have been a card holder for the last 10 years and I find this business practice punishes a cohort of those customers that otherwise are up to date with no missed payments or late payments and yet the bank is not amenable to reviewing these supervenient circumstances, a core to good customer relations.
Product: Credit reporting or other personal consumer reports

I am reaching out once again to follow up and seek resolution on fraudulent activities that have adversely affected my credit report. After filing an identity theft report with the Federal Trade Commission ( FTC ) at https : //www.ftc.gov. As stipulated by the Fair Credit Reporting Act ( FCRA ), Section 605B, Credit Reporting Agencies ( CRAs ) must remove any fraudulent entries documented in an identity theft report. My report 's reference number is XXXX. Enclosed, please find the necessary documents aimed at facilitating the removal of inaccuracies, specifically erroneous personal information and inquiries falsely associated with my credit report. Below is a detailed list of these unauthorized items, categorized by credit bureau : XXXX : XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX =======EQUIFAX : XXXX XXXXXXXX XXXX XXXXXXXX, MI XXXX XXXX XX/XX/XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX. In accordance with FCRA Section 605B ( a ), I request the immediate removal of these items, as they are the result of identity theft. This request is made within the rights provided by federal law, expecting action no later than four business days from the date of this notice.
Product: Debt collection

Dear collection agent, I noticed a negative reporting on my credit report and as allowed under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you allow me to validate the alleged debt. I am aware that there is a debt from XXXX XXXX XXXX, but I am unaware of the amount due and your crediting reporting does not include a breakdown of any fees. 

Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I do not recall giving permission toXXXX XXXX XXXX for them to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Therefore my request is twofoldvalidation of debt and HIPAA authorization.
Product: Student loan

I reached out to Nelnet in reference to a several student loans they service for Department of education that are being reported on my consumer reports with XXXX, XXXX  and XXXX  after they denied my identity theft claim. I believe these accounts are erroneously listed on my consumer report. In response to my inquiry Nelnet sent me a generic form response and provided some additional copies of alleged account transactions. Furthermore on one document thay claim to be reporting the accounts on my consumer report correctly and accurately based on the fact that I allegedly acknowledge ownership over the accounts by applying for deferments/forbearances. They provided a " Deferment and/or Forbearance History '' document. I still reasonably believe that these accounts are being listed on my consumer reports are erroneous and should be deleted. The documents Nelnet provided to me do not prove that the accounts in question factually belong to me. 

Please see attachment. I have attached documents that Nelnet used to determine that the accounts in question allegedly belong to me and ask for clarity in the form of additional documentation to support their claim.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> ( XXXX account # XXXX ) / ( XXXX  account # XXXX ) / ( TransUnion Account # XXXX ), started reporting an inaccurate account status of a paid closed account on my credit report, this is a ( non-credit ) telecommunications account with XXXX which has never been late nor has the account ever been in collections so, therefore, should not be reporting as an erroneous credit-related charge-off or paid utility collection. This account is negatively and unfairly affecting my credit report/ credit score. Under the FCRA, information on my credit report should be reporting 100 % accurate. 

Please delete account.
Product: Checking or savings account

I have an account with Optum Financial that was transferred to them after I left my employer. Originally the account was held by XXXX XXXX  but transferred to Optum Financial. I have been in contact with Optum 's help line since XX/XX/2022 trying to resolve a {$40.00} charge to my account. After XXXX calls and countless hours trying to get an answer, they have not answered my questions about why {$39.00} was charged in one month when their weekly fee is {$3.00}. They also redirected me 3 separate times to XXXX XXXX, who I also called and said they were not the ones who charged the fees -- Optum did. In my most recent open case, the company never called me back as they had promised and instead closed the case with no explanation via email. 

I have run out of ways to resolve this directly with the company as they are not responsive and I do not want to continue wasting hours on the phone with them. It is unacceptable that a company charges fees and then gives consumers no way to understand or dispute them.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the accuracy and validity of a charge-off account that has been reported on my consumer report. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I have the right to accurate and complete information in my credit reports. I believe the information regarding this charge-off account is inaccurate and/or incomplete, and I request an immediate investigation into this matter. 

XXXX XXXX XXXX Account # : XXXX Inaccuracies : 1. " Date Opened '' Issue : o Date Opened : XX/XX/XXXX. 
o This date is in the future, which is impossible and indicates an error.

2. " Last Reported '' Date : o Last Reported : XX/XX/XXXX. 
o Again, this is a future date and violates reporting accuracy standards under the FCRA.

3. Account Type - Detail : o The " Account Type - Detail '' field is reported as Collection, but the original creditor ( XXXX XXXX XXXX ) must be verified. I

nconsistent reporting of " placed for collection '' may require proof of assignment. 4. Balance and High Credit Conflict : o Balance : {$150.00} o High Credit : {$130.00} o The balance can not exceed the high credit amount, indicating a discrepancy. 5. Date of Last Payment Missing : o There is no information on the Date of Last Payment, which is required for collections. 6. Payment Status ( Ambiguous ) : o Listed as "
Collection/Chargeoff ''. The creditor must clarify whether the account is currently being collected or officially charged off.

7. Payment History : o The Two-Year Payment History grid is completely blank and does not provide the expected monthly reporting information. 




XXXX XXXX Account # : XXXX Inaccuracies : 1. Future Reporting Dates : o TransUnion Last Reported : XX/XX/XXXX o XXXX Last Reported : XX/XX/XXXX o Reporting future dates violates the FCRA 's accuracy and timeliness rules. 
2. Balance Inconsistency : o The account balance is reported as {$700.00}, but the Credit Limit is {$500.00}.

o A balance can not exceed the credit limit without proper verification, indicating a reporting error.

3. Comments Conflict : o TransUnion : " Dispute resolved ; reported by grantor. '' o XXXX : " Unpaid balance reported as a loss by the credit grantor. '' o XXXX : " Accounts closed by credit grantor. '' o The comments are inconsistent across the bureaus, suggesting unreliable reporting.

4. Date Discrepancies : o Date Last Active : TransUnion : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX o These dates should align if the account activity is accurate.

5. Two-Year Payment History : o TransUnion and XXXX show XXXX CO '' ( Charge Off ) for multiple months. 
o XXXX indicates " OK '' status after some " CO '' entries, which conflicts with the derogatory status. 
6. Account Type/Status : o Listed as Revolving Credit Card but simultaneously flagged as Collection/Chargeoff.

o Accounts can not be both " revolving '' and charged off without further clarification.