23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

The card is the US Bank XXXX XXXX, which, among other things, provides 3x rewards on mobile wallet purchases. I really like the card and have suggested it to others, but ....! Starting XX/XX/XXXX, all my mobile wallet purchases started earning only 1x. Unfortunately, in the first part of XXXX I was spending a great deal on vet bills, and, although paying with a mobile wallet, these only got 1x. If I look at my reward tracker, the pattern is very clear, all purchases in XX/XX/XXXX earned 3x, all purchases in the first part of XXXX, at exactly the same merchant, earned 1x. 

From looking around on the internet, many but not all have experienced this issue. In fact, one of my daughters has the problem, the other does not. An immediate fix, which I did around XX/XX/XXXX, is to remove and then readd the card to the mobile wallet, now all my transactions are earning 3x again. But that doesn't fix the points I didn't get in XXXX until then. 

I have contacted US Bank at least 4 times The first CSR, via chat, told me that the reward tracker didn't really matter, when the statement closed all would be well. When I realized that my XX/XX/XXXX statement had already closed, and the points were missing, I called. That CSR told me is was a known issue and that they were working to fix it.

The next time I called to check progress, the CSR had no idea what I was talking about and suggested the points were missing because it wasn't a mobile wallet purchase. She finally opened a ticket but I never heard back. When I called again, the next CSR tried to tell me that I was misunderstanding the statement, but when I eventually got her to understand she said the case was still being looked at ( and, to be fair, gave me XXXX points as a goodwill measure ) Other people on the MyFico internet forum have had a similar experience, at best " they are working on it '' but statements keep cutting without the issue being addressed. Also, at the very least, US Bank could advise impacted people to remove and readd the card from the wallet to prevent ongoing issues. 

In my opinion, this doesn't seem to be getting the focus it deserves. Not having an email option makes sending documentation difficult The files attached clearly show that say XXXX all get 3x in XXXX, and 1x in XXXX, until I readded the card around XX/XX/XXXX XXXX
Product: Checking or savings account

On Thursday, XX/XX/2023, at approximately XXXXXXXX XXXX  my family and I went to TD BANK at XXXX XXXX, XXXX XXXX, NY XXXX to open a student account for my birth daughter, XXXX. The bank agent on duty was XXXX XXXX XXXX XXXX with license number XXXX. XXXX XXXX and Assistant Store Manager XXXX XXXX refused to open a bank account for my biological daughter because we didn't want to give them a social security number.I have notified two officers, XXXX XXXX and XXXX XXXX 42 U.S.C. Sec. 408 ( A crime to compel the use of your social security number ) Whoever ... ( 8 ) discloses, uses, or compels the disclosure of the social security number of any person in violation of the laws of the United States ; shall be guilty of a felony and upon conviction thereof shall be fined under title 18 or imprisoned for not more than five years, or both. XXXX XXXX, refuse to assist me and told us to get up because he had to take another customer. DISCLOSURE OF SOCIAL SECURITY NUMBER : It shall be unlawful for any Federal, State, or local government agency to deny to any individual any right, benefit, or privilege provided by law because of such individual refusal to disclose his social security account number. : under fraud, menace, duress, and extortion. Our rights were violated.
Product: Credit card or prepaid card

XX/XX/2020 bank of America did a fraudulent charge a {$260.00}. Bank of America now has closed my account and will not investigate this ATM charge they're saying fraudulent on my part and therefore EDD has now closed my account and Bank of America has frozen my account I am XXXX  due to this.
Product: Debt collection

Debt collection from XXXX XXXX in Florida. Advised Experian and the XXXX XXXX XXXXXXXX XXXX that I have never been to Florida and I live in Oklahoma. Experian has advised that the Collection is valid. I have requested from both Experian and the XXXX XXXX for validation of the debt and have yet to receive any update.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX  and Transunion collect to report accounts on my credit report that are and has been reported as identity theft through FTC. Inquiries as well.
Product: Debt collection

On XX/XX/2023, I was alerted that an account was added to my credit profile. I want everyone to be aware that I am not liable for this debt with XXXX XXXX XXXX XXXX nor have I received a contract or any form of a statement from Fair Collections and Outsourcing ( FCO ) no paperwork was sent to me prior to adding anything to my credit report. 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 an account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. I am not liable for this debt with XXXX XXXX XXXX and do not have a contract with fair collections & outsourcing. DO NOT RESPOND TO THIS COMPLAINT AS " VALIDATED ''. I AM FILING THIS COMPLIANT IS TO ENSURE THAT THE ACCOUNTS WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS ( FCRA ). I WILL SEEK ATTORNEY REPRESENTATION GOING FORWARD.
Product: Checking or savings account

On XX/XX/2021 my card was stolen and fraudulent charges were made to my card. Multiple authorized activities took place. I explain to XXXX that my ID was stolen as well. I have asked that these unauthorized charges be reversed. I have contacted multiple merchants regarding the time and places of these unauthorized transactions. I am asking Chime XXXX to refund and correct my balance from XX/XX/2021 - XX/XX/16-2021
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is in violation of my privacy rights according 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without written instructions 15 USC 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan a late payment for any purpose.
Product: Credit reporting or other personal consumer reports

I'm a survivor of fraud. I'm writing to demand that you block the accompanying deceitful data from my credit report. I'm currently applying for another credit and these mistakes are causing an issue with my XXXX ratings revealing appropriately, so any assist you with canning give me with refreshing this data as quickly as time permits would be incredibly valuable. We are hoping to purchase a house. If it's not too much trouble, help
Product: Student loan

I finished XXXX school in 2008, straight after XXXX, right into the recession. 

I had a 2 year forbearance, and then did 4 years or so of income based repayment. The IBR barely covered the interest on my loans, but I had been told by XXXX XXXX XXXX ( XXXX XXXX at that time and XXXX ) that as long as I was in IBR I would qualify for Public Service Loan Forgiveness. I called multiple times for information and was *never* told my loans needed to be consolidated for that to happen. 

I also talked to government officials, who did not relay that information to me. And the resources online, at that time, were very unclear about how the process would work. 

I was failed at every step of the way by government, and especially by the student loan companies. 

I should now be on my way to loan forgiveness, but because of either ignorance or willful misinformation, I am not. 

I found out about 3-4 years ago the payments I made had n't qualified because my loans were n't consolidated. By the that time, with my new salary, my loans would be paid off under a standard 10 year plan anyway, so there was no point in going for PSLF. 

In addition to that major issue, XXXX XXXX applied late fees and incorrect payments numerous times to my accounts. They also did n't process my requests for forbearance or income based repayment in a timely manner and I had to follow up multiples of times.
Product: Debt collection

Note that this was not sent in error! I am a consumer by law and my information was misused and now I am seeing false accounts, not 100 % accurate on my credit report. According to 1681i this account is in violation and reported without valid evidence. 
US DEPT ED XXXX {$12000.00} US DEPT ED XXXX {$57000.00} XXXX XXXX XXXX XXXX {$65.00}
Product: Credit card or prepaid card

My Citi bank credit card many times decreased our credit limit with no adverse info in our report.
Product: Student loan

My loans are being inappropriately and I believe illegally serviced. My loans have been illegally serviced so severely in the past they lost coverage by their guarantor and are now being self-serviced/guaranteed by PHEAA. They have repeatedly inappropriately applied deferments and forebarences. Now I found out that during the COVID pandemic when I was supposed to be getting payments deferred without interest penalties... They illegally were continuing to charge me interest the entire time and capitalizing the interest on the account ( so they've now collected interest on top of interest ). Additionally, I work for a non-profit and even after applying multiple times for the forgiveness program, they continued to intentionally make the process challenging, complicated, and nearly impossible. PHEAA has been predatory and abusive throughout the entire length of time they've serviced my loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello - Ive been trying to obtain my EFX report via XXXX  and I get an error message that its undeliverable online. Ive attached the error message. This error is also preventing me from setting up my XXXX XXXX account ( when I try to register, I get an error on their end that there is an issue with EFX and to call EFX to fix the issue ). I called EFX customer service and they do not see any issues on their end. Ive been going around in circles. I know EFX can send a hard copy but I want it electronically. Ive attached an image of the error message.
Product: Money transfer, virtual currency, or money service

As I told Cash App, i discovered that i had been hacked on XX/XX/XXXX and provided them with all of the followinginformationthat they could, also verify on their end. The following are the dates and times i was hacked. XXXX XXXX XXXX XXXX XXXX XXXX to a XXXX XXXX that was denied as it was a straight account transaction from my bank it appears. 
XXXX XXXX XXXX XXXX when {$170.00} was pulled from my bank account XXXX XXXX XXXX XXXX to a XXXX XXXX again XXXX XXXX XXXX XXXX to a XXXX XXXX XXXX XXXX XXXX XXXX XXXX was pulled from my bank account XXXX XXXX XXXX XXXX {$200.00} was sent to XXXX XXXX Why do you believe an error occurred with this transaction? 
I have not used Cash App in almost a year. I had to redown load it just to go through all of this. I have no idea who any these people are, and I certainly would not randomly send strangers {$380.00} when that is money I could use. The times that the account is getting hit is extremely suspicious I would have thought as is the fact that they tried and failed to send it to another user before finally switching names and pulling straight from my bank. I'm not sure why the first instance was not looked at and why these peer to peer issues are not better looked at. 

In my initial dispute, I was ruled against and I believe that is due to Cash App not doing due diligence on their part to connect with the other parties to see if they exist.
Product: Credit reporting or other personal consumer reports

I was recently reviewing all three of my credit bureaus from XXXX XXXX, Equifax, and XXXX. When I noticed that I have some incorrect information on my credit report, referring to my name, occupation, and my address. 

My correct name is XXXX XXXX XXXX. my correct address is XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, TX XXXX. My employer is the XXXX. 

And according to the 15.U.S.C 1681 there should not be any damages on my report. Thats the defamation to my character.
Product: Checking or savings account

I deposited a personal check amounting {$1700.00} through online banking after doing that Citibank blocked my account. This Happen in XX/XX/2023. Ive been trto resolve this 2 months now this is my second complaint through this agency. The first complaint I was told that theyre going to close my account and within XXXX days I will receive all the funds thats in my account but I only received {$25.00} which the amount that I put in to open the accounts I didnt receive the money that I deposited which is {$1700.00}. I tried to contact customer service I spoke to multiple agents theyve been transferring me to different departments all of them are telling me the same they can not release the funds to me and and advise me to contact the XXXX XXXX to file a dispute. I had a 3 way call with the check XXXX and his bank and they said that they cant stop the payment nor dispute it because the check is already been cashed into my account which I have no access to it. So the other bank cant do anything in their end because it is not a fraud check and a legitimate check But Citibank is not willing to release the funds to me or return the funds to the XXXX XXXX I requested Citibank to just return the funds to the XXXX XXXX but they are not taking an action and keeping my money. Citibank is not helpful at all theyre not giving me other options. Even their executive department told me to request the XXXX to file a stop payment or dispute thats the only option theyre giving me but I was already told by the XXXX XXXX that they can not do that. So I dont know what to do now. Even their Executive department is not willing to help me. All I want if they cant release me my money is to just Return the funds to the XXXX so they can pay me in other way instead. I am willing to provide a verification of the check from the XXXX XXXX  if its needed. I really need help. I deserve to get my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is NOT a Duplicate Report and this is NOT filed by a 3rd Party or Credit Repair company. The accounts below have violated my rights In accordance with the Fair Credit Reporting Act XXXX. I have all rights to privacy and I didn't give written consent to furnish these accounts on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 Section 602 A. states that I have a 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 consent.
Product: Mortgage

Newrez used to be Specialized Loan Servicing, as of XX/XX/XXXX. They keep applying my payments to the principal even though the payments clearly are labeled Not Principal Only. There is a due balance that they keep trying to make late so they can generate fees. They have done this before under SLS but claimed they couldnt fix it. Now I contacted them within days of it happening and they still wont correct the problem.
Product: Vehicle loan or lease

I borrowed money against my own car. I have been making payments for 3 years plus. They have never applied anything towards my principal balance. They keep telling me Im behind. I make payments to catch up then make payments and again nothing towards principal. Of a {$3500.00} loan XXXX yrs later they say I still owe {$7000.00}. Approximate amount. They make promises over phone then say XXXX didnt make said promises. I have paid them nearly {$10000.00}. If I dont pay they will repossess my car. I again in good faith tried to get this under control again they lied to me and telling me I owe {$900.00} in payments. I made payment in full up to date in XXXX, they said I had a month deferred, {$300.00} due in XXXX. That was on XX/XX/year>. My XXXX payment was on time. Now they say I owe for XXXX payment and XX/XX/XXXX payment isnt even here yet. They are asking for {$970.00} to not repossess my car.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested for Equifax to update my personal information on my credit report to remove all address, phone numbers, and employers. on XX/XX/2023. Equifax received my request via certified mail on XX/XX/2023. As a result, the information remains on my credit report. Therefore, they are in violation of Fair Credit Reporting Act. I would like for all information to be update.
Product: Credit reporting, credit repair services, or other personal consumer reports

Privacy and Confidentiality under 15 USC 1681 XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 Section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and XXXX  have removed this account due to inaccurate and incomplete information reported with the 3 agencies, which is a violation, but Experian still has refused to remove the account. Please remove remove/delete : XXXX XXXX XXXX XXXX # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Credit Reporting Agency : I am an identity theft victim. I am writing to NOTIFY YOU OF THE ACCOUNTS LISTED IN THE AFFIDAVIT. Each of the accounts and transactions listed were opened and made without my knowledge or authorization. I never authorized, used, or benefited from these accounts or Inquires transactions in any way : Pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.
Product: Checking or savings account

I had an accciint with Regions for years every time my card was overdrafted they always charged me these fees if it was {$1.00} they charged me XXXX dollars per transactions. My account was hacked and i disputed it and they made me pay back some of the money and then they also closed down my account
Product: Credit reporting, credit repair services, or other personal consumer reports

Nationstar DBA Mr. Cooper auto deducted my XX/XX/XXXX mortgage payment for XXXX on XX/XX/XXXX from my checking account 5 times in error. Then they reversed 4 of the payments. XXXX XXXX I was contacted by Nationstar DBA Mr. Cooper by phone asking if we wanted to proceed with a loan modification. I never requested a loan modification. The representative then told me my loan was delinquent. I had not received any correspondence from Nationstar DBA Mr. Cooper that my loan was delinquent. I have never missed a payment. I have always paid my mortgage by automatic deduction from my checking account. I immediately contacted Nationstar DBA Mr. Cooper and spoke with XXXX XXXX with Executive resolution. I learned that my loan was switched to paperless statements without my consent. I informed her that I never stopped the automatic deductions from my checking account. I provided her with copies of my bank statements for XXXX through XX/XX/XXXX. She opened an inquiry and discovered that Nationstar DBA Mr. Cooper stopped the automatic deductions in error without my consent. It was also discovered that they had not applied the XXXX payment to my account even though they collected it. Mr. Cooper issued a letter XX/XX/XXXX stating that they submitted and update to the credit reporting agencies with instructions to adjust their records and remove the negative credit information. Not only has that NOT been corrected with XXXX XXXX XXXX and XXXX but Nationstar DBA Mr. Cooper has stopped reporting my mortgage payments completely there is no payment information for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. This has effected my credit in such a negative way that I am unable to obtain a mortgage on a new house. My husband and I had an excellent credit score prior to this outrageous error by Nationstar DBA Mr. Cooper. I have personally contacted all 4 Credit Reporting Agencies and learned that Nationstar has done nothing to remedy this situation.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

[ Identify item ( s ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

The following inquiries and accounts are unauthorized or inaccurate, and I ask that you delete them at once...

NOTE ... Inquires and accounts please delete ( Experian ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I started a dispute with XXXX and Equifax regarding incorrect and inaccurate information on my back on XX/XX/2022. I have not yet heard back with the results or have I seen any of the requested changes to delete from my credit report. 

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

I reviewed my Consumer Reports and noticed I had some transactions that are reporting late on my consumer report. According to 15 USC 1681 ( a ) ( 3 ), Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with maximum accuracy. I have never been late on payments with the following accounts : XXXX XXXX  : Account # [ XXXX ], XXXX XXXX : Account # [ XXXX XXXX, XXXX : Account # [ XXXX ], XXXX  XXXX : Account : [ XXXX ], XXXX XXXX XXXX XXXX : Account : [ XXXX ], XXXX XXXX XXXX : Account : [ XXXX ], XXXX XXXX XXXX XXXX : [ Account : 24 ] . Please investigate and provide proof with statements showing that these transactions were late. If proof can't be provided I demand that these payments be updated on time with no late payments reporting at all as they should be as I was NEVER LATE.