23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On XX/XX/XXXX, I was overcharged by XXXX XXXX in XXXX. I made enough purchases worth {$20.00} ( 2 drinks and an appetizer ). I did not sign any receipt and am confident that video footage will not show me drinking {$75.00} worth of drinks or signing a receipt. Yet, I learned when I checked my Apple Card history a couple days later that I was charged {$75.00}, a {$55.00} overcharge. Once I saw this overcharge, I immediately started the dispute process, which is reflected in my text to Apple on XX/XX/XXXX that is attached as evidence. I attempted to call the nightclub once a week for two weeks, each time a manager was not present and they told me to call back later. I called again XX/XX/XXXX and was finally able to talk to a manager who would not admit fault and told me they would look at video footage and send me an email. When the manager read me the list of my charges, it became clear that I was charged for my whole corner of the bar that night and not just myself. The bartender clearly made a mistake and was incompetent at keeping track of tabs. Evidence that I called XXXX XXXX on XX/XX/XXXX is attached. I never received an email and opened a dispute with Apple Card/Goldman Sachs as my attempt to resolve it through them had failed. I received a decision on my dispute on XX/XX/XXXX that the merchant charged me for the amount I intended and did pay. This is not true as I never intended to pay that amount. Video footage will not show me drinking {$75.00} worth of drinks, and it will not show me signing any receipt that says that because I never signed any receipt.
Product: Credit reporting or other personal consumer reports

I am writing to formally request your assistance in resolving an issue regarding inaccurate information reported on my Experian credit report. Despite my efforts to address this matter directly, it remains unresolved, and I believe my rights under the Fair Credit Reporting Act ( FCRA ) are being violated. 

I recently received a letter from XXXX stating that they were unable to verify the bankruptcy information listed on my credit report. Additionally, I obtained a letter from the bankruptcy court affirming that they do not report court records to credit bureaus. This directly contradicts the information provided by Experian and suggests that the inclusion of this bankruptcy on my credit report is unfounded. 

Furthermore, I have not provided written consent for this information to be reported on my credit file. As a consumer, I am entitled to accurate reporting under the FCRA. Experians failure to verify this information and its continued inclusion on my credit report constitutes a violation of my rights. 

I have attached copies of the following documents to support my claims : The letter from XXXX stating their inability to verify the bankruptcy. 
The letter from the bankruptcy court affirming that they do not report records to credit bureaus. 
A copy of my credit report section of the disputed entry and highlighted section stating Information gathered from courts which confirms that in accordance with court affirmation, Experian did not receive information from the courts. 

I trust that the CFPB will address this matter promptly and ensure compliance with FCRA regulations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in XXXX XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, XXXX, XXXX and TransUnion has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of the following accounts listed below. I believe it was reporting in error. 
XXXX XXXX XXXX Balance : {$700.00} XXXX XXXX XXXX  XXXX Balance : {$17000.00}
Product: Vehicle loan or lease

I previously filed a complaint through the CFPB in XXXX of this year concerning credit acceptance and my account and extra fees that I was unaware of the fact that I told the car lot I didn't want the extra service plan it was in fact still charged to me in the amount of XXXX Credit Acceptance has since offered a settlement of XXXX dollars I feel considering I refused the extra service plan and was still charged for it I feel the settlement is unfair considering all the money in interest that Credit Acceptance made off the extra XXXX service plan I didn't agree to I would also want them to produce the original paper contract that has my wet signature agreeing to the extra service plan.I feel this loan should at the very least be closed and settled for zero, I feel as though I am one of many that Credit Acceptance in partnership with car lots do this bait and switch with the service contract to people who refuse this extra plan it's misleading and or fraudulent and designed to be financially damaging to the people who can afford it the least, and if they can't produce my wet signature on the extra service plan I should be reimbursed the XXXX and I feel like I want to see if it was forged and what point was it added because I never agreed to it at this point I have also been advised to seek out a consumer law attorney in this matter but I am hoping the CFPB can help me.
Product: Prepaid card

I received an American Express gift card as a bonus from my work. It is for {$1000.00}. I still have {$460.00} available to use on it but every time I try to use it it gets declined. I have tried to use it for groceries, gas, online and in store. Nothing. I called customer service, and they tell me that they are aware there is a problem, but they can not do anything. Try again in 24 hours. I keep trying but it keeps getting declined. I am attaching a copy of a typical decline notice and a screenshot showing the balance still available to use.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a certified letter on XX/XX/2021 to XXXX XXXX XXXX care of XXXX XXXX XXXX XXXX for two debts that I owe. I am presently in a debt relief program ( XXXX XXXX XXXX ) that is settling my debts after negotiating a percentage that will be paid monthly. My original creditor was XXXX XXXXXXXX XXXX XXXXXXXX. with a balance of {$1600.00}. The settlement amount was reached by the current creditor, XXXX XXXX XXXX XXXX not XXXX for the amount of {$760.00}. The second debt XXXX which was sold to XXXX that went to collection. XXXX XXXX XXXX which is the current creditor. This account is XXXX years old and XXXX months old which pass the statue of limitation but a settlement was reached for me to pay {$830.00} at which is being paid monthly. My concern is that I notified the Credit Report Agencies regarding the amount owed and the current creditor is not XXXX XXXXXXXX and XXXX sent me a letter to send a certified letter to XXXX XXXX XXXX care of XXXX XXXX XXXX XXXX with documentation to remove from my credit report. It is still on my credit report! XXXX removed one of the XXXX items and then two days later it was back on my credit report. The amounts are incorrect and XXXX is not the creditors! Please Please get them off my credit report. XXXX XXXXXXXX XXXX XXXX. and XXXX are being paid monthly.
Product: Checking or savings account

The account holder 's personal and business checking accounts were illegally accessed and fraudulently debited creating a total realized loss of {$28000.00} for the account holder. Perpetrators used online and telephonic means to illegally gain access to the personal checking account and effected a transfer from the personal checking account to the account holder 's business checking account and then initiated an unauthorized wire of {$28000.00} to a 3rd party account at XXXX XXXXXXXX XXXX. Citibank failed to detect and interdict the initial unauthorized personal account access by the perpetrator or the {$20000.00} illegal transfer debiting funds from this personal account and moving them to a business account to increase the total funds illegally appropriated. Citibank did not seek to contact the account holder to confirm such {$20000.00} transfer was authentic and approved. The perpetrator then initiated a wire transfer to illegally steal {$28000.00} from the account holder and Citibank again did not flag this unusual account activity prior to initiation of the wire. However, Citibank does indicate that they imposed a " post no debit '' fraud alert on the account at XXXX, nonetheless this fraud alert and account freeze directive was ineffective as Citibank still released the fraudulent wire at XXXX. The account holder, in an attempt to interdict and prevent fraudulent transfers in their account, immediately visited a Citibank branch and met with a personal and business banker to block and recall all transfers and wires within minutes of when they were initiated. The Citibank representatives falsely assured the account holder that the wire transfer had been intercepted and even if it had not, that an immediate recall had been initiated and the funds would be restored within 48 hours. Both representations have proven patently and knowingly false. Significant additional detail is provided in the account holder 's attached investigation summary. All banking clients of Citibank should be warned that the XXXX  Attorney General filed suit against Citibank on XX/XX/year> alleging that Citibank has failed to undertake commercially reasonable anti-fraud measures, is negligent in alerting account holders to fraudulent activity, is grossly negligent in executing fraud interdiction measures and makes false representations as to the security of customer 's funds and their recovery in instances of account security breaches. Further, the XXXX Attorney General alleges that Citibank willfully fails to perform its obligations under the Electronic Funds Transfer Act to protect and restore fraudulently transferred funds. All Citibank customers should XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX. Citibank N.A. and review the complete allegations of this lawsuit and determine if they are comfortable continuing any banking relationship with Citi.
Product: Student loan

I have completed the 120 months required for Public Service Loan Forgiveness By my count I had completed that earlier this year. They said I had not. They said if I waited and applied in XXXX I would have enough months. I waited since the CARES Act meant I was not having to make a payment to have a qualifying month with a payment. 


They are now claiming that I need to wait until the reviews are complete to apply. They used to say that they would complete the reviews once I applied. They also claim that there is now an issue with three months of payments from last year that were not an issue last time I talked to them. 


I have worked full time for the XXXX XXXX the whole time. 

There are some seven months with issues that I think should be counted. If they are all counted I would have 121 qualifying months. 

One is XX/XX/XXXX from when my qualifying payments were {$0.00} dollars a month. They claim that month does not count because there was no on time payment. They accepted the {$0.00} the months before and after. I am unsure how I could make a {$0.00} payment not on time. 

Three are CARES Act months. Fedloanservicing has not yet credited those months. 

Three months are from XXXX when Fedloanservicing applied a forbearance or deferment to my account without a communication from me. I am also a XXXX XXXX  XXXX veteran and eligible for a discharge. I did not ask for that because I do not want to pay state taxes on the discharge in California. I properly opted out of the discharge. While they did not claim these months were an issue last time I applied they claim they are now. I made payments during this time. The federal government sent them a communication that I was eligible for the discharge. They were not required to put my account into forbearance. This has happened more than once. They seem to have fixed XXXX of XXXX but now have an issue with three months from last year. I believe it is XXXX, XXXX and XXXX. 

They give different answers different times I call.
Product: Checking or savings account

Early XXXX- I set up a {$220.00} payment for utilities to be paid XX/XX/XXXX XX/XX/XXXX - I realized I did not have {$220.00} in my account, but I did have a check from XXXXXXXX XXXX I received in the amount of {$160.00} a couple of days previously. I go to cash the check at a PNC Bank in XXXX XXXX, PA. I get a receipt ( I still have ) showing an ending balance of {$3.00}. I also check my online account and it says the same thing, so I think I am fine, and will not get charged {$36.00} for an overdraft fee XX/XX/XXXX - I get an email saying my account is overdrawn. I call customer service letting them know I have a receipt and on the PNC website, under Account Activity, it shows an ending balance of {$3.00} on XX/XX/XXXX, but for some reason on XX/XX/XXXX I am charged {$36.00}, so my account sits at - {$32.00}. I asked them to remove their money making fee, but insisted it was valid and I now owe them {$32.00}. It's very nefarious behavior to show a positive cash account and then charge an overdraft fee. 
I have only had 2-4 overdraft fees since signing up with PNC in XXXX. I want the fee removed and my {$3.00} back in my account, as it should be. This is not the first time they have not been easy to work with, and I think this is my last time me or my family will do any banking with them *One thing I could have done - cashed the check first, and then put the cash in my account, but I did not think there were going to be any issues after seeing the receipt from the deposit and my online account showing positive at the end of XX/XX/XXXX
Product: Mortgage

I received a call today from Selene XXXX XXXX XXXX XXXX  and was able to pick up the call. The customer service representative informed me that my mortgage went up by XXXX dollars a month because of escrow. My mortgage home taxes went up for the year by XXXX dollars a month and I'm just finding out about this. I was informed i have to keep double the amount in my account. I have been trying to remove my home owners insurance and my taxes from my current mortgage. I want to pay it on my own, I don't like how Selene do business and I always have a hard time getting proper assistance. I want to pay my own taxes and insurance yearly because it will be easier and less stressful. I don't understand why it takes this company so long to respond, I can't afford the extra XXXX dollar a month and I don't want these payments spread out for the next XXXX years. I'm very annoyed and need help, it seems like they don't want to work with me, they are trying to bury me. The company is Selene Finance and I believe they are a mortgage lending company. My current mortgage is XXXX and due to them stating I have to have double the escrow in my account and they said I was short by XXXX dollars for my taxes because the town went up. I want to pay my own taxes and insurance to avoid situations like this because my mental health is impaired from this and now they want my to pay XXXX. This is crazy and ludicrous, please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Several times now when I try to file a dispute online I am asked a series of questions. A lot of the questions I am asked are items that doesnt show on my report at all and is unfamiliar to me I never done business with the company. After answering correctly I receive an message that states that the information I entered is incorrect. I have brought this issue up several times with this credit reporting agency and every time they are unwilling to assist or get it corrected. I most recently had to file a dispute over the phone and was told that it was nothing that can be done and Equifax doesnt have a department where any information that is asked for security questions online can be corrected which is ridiculous. Also they state that items cant be disputed which the other 2 agencies will dispute and remove items in a timely manner. Equifax will say it cant be disputed and its automatically removed but they has been several times where I end up disputing items anyway because it wasnt removed. The information on my report is completely different than what XXXX  and XXXX  reports but its the same companies which I dont understand as well also they remove items much faster than Equifax does when its disputed
Product: Debt collection

I am submitting this complaint regarding XXXX XXXX XXXX handling of my account, which ended in XXXX. On XX/XX/year>, I received a letter from XXXX XXXXXXXX XXXX, informing me that my account had been transferred to LVNV Funding, LLC, without my explicit consent. As a resident of Louisiana, I believe this transfer may have occurred without adherence to consumer privacy laws, as I was not adequately informed of the possibility of my account information being shared or sold to third parties. Additionally, I have requested validation from LVNV Funding under the Fair Debt Collection Practices Act ( FDCPA ) but have yet to receive adequate verification. 

I am seeking the CFPBs assistance in investigating whether XXXX XXXX XXXX actions comply with federal and state laws, and I request guidance on potential recourse.
Product: Mortgage

I have been searching for a physician loan, and talking with a number of lenders.   XXXX   drew us in with a preapproval, but when it came to giving us a loan estimate, they refused to give it in the proper form, and quoted us rates that were significantly higher than the market, with fee estimates greater than {$10000.00} above what anyone else was quoting. It was obvious they were attempting to gouge us.
Product: Debt collection

I opened an account with XXXX XXXX in XXXX and I unfortunately lost my phone so I reached out to XXXX they sent me a new phone and not even a few months later I had that new phone stolen which I reported to the company. As of today XX/XX/XXXX it says that this account is still open and that I owe a total of XXXX and that this account is only XXXX years old which is incorrect. The account should not still be open and I should not owe this amount of money for a phone I made them aware of that was lost I have had no way to get back into my account since the phone was stolen and I have made several attempts to speak to someone in XXXX. I also have never been contacted by this collection agency telling me that I owe this amount I am only able to see all of this on my XXXX XXXX  account.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXXXXXX, MD XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$860.00} XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there is still account that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and XXXX Credit Bureaus to validate this account ( A ). 
As required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at XXXX and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor BK OF AMER XXXX Date Opened : XX/XX/2017 Balance : {$2200.00}
Product: Vehicle loan or lease

On XX/XX/XXXX I applied for an extension of credit from Wells Fargo Auto in the amount of {$66000.00} toward the XXXX XXXX XXXX at XXXX XXXX XXXX XXXX Co. According to the Federal Equal Credit Opportunity Act consumers who come in good faith can not be discriminated against and denied credit. I have proof that Wells Fargo Auto not only has discriminated against me, but also is not abiding by the law. Wells Fargo Auto obtained and used my social security card but I received NO benefit from that credit transaction. I have written a certified letter to Wells Fargo Auto to the mailing address given and they shall receive my response to their denial within XXXX business days.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$3600.00} XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Other financial service

I XXXX XXXX cashed a check from my XXXX XXXX account for XXXX at ACE getting XXXX XXXX in XXXX to pay an XXXX bill which was paid already by my insurance company therefore this should 've been returned as promised by ace they told me that stop payment would be place on the XXXX and money would be return back to my account ace also said that i need to fill out a fraud affidavit and would go into his account get my monet back this took place on XXXX/XXXX/2016 trans number XXXX /XXXX XXXX was the teller there number XXXX want my money back I 'm a great customer of ACES