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

Good afternoon, On XX/XX/2019, I received an email from BBVA Compass Bank regarding my credit card rewards account. It stated that if I spent {$2500.00} in new purchases between XX/XX/2019 and XX/XX/2019 that I would receive XXXX bonus points. I enrolled in the offer and made the required purchases. 

I have never received the XXXX bonus points. I submitted an email through the bank 's online banking service to customer service. A representative replied that she could not help with reward points, that I needed to call a separate department. I replied that this was insane, and that customer service should be able to provide Customer Service. The representative again replied that I needed to call another department. 

I called the number provided. Guess what? The rewards department stated that they could not assist with this issue and they would forward it to another department. Does this sound familiar? 

The customer service at this bank is terrible. I want my XXXX bonus points as stated in the offier.
Product: Student loan

I was in touch with XXXX XXXX because I am part of the Public Loan Forgiveness program and I was wondering why my bill was going up and come to find out that my income driven repayment plan was being submitted saying I have XXXX kids because I was using a company called Federated Student Loan Advisors who would send me only page 4 of the request every year and I'd submit my pay stub information and they'd submit it to XXXX XXXX for me. XXXX XXXX alerted me to the scam and made a note on my account and I cancelled my services with Federated Student Loan Advisors but they ask you to sign this the below email which feels kind of suspect as well. I alerted my bank as well so that they will stop any further payments and will now just submit directly with XXXX XXXX each year on my own. 

Waiver of Liability Whereas Federated Student Loan Advisors is performing financial, processing, consolidation, servicing, monitoring, annual loan re-consolidation re-filing services. 

To client mentioned no longer wishes to have these services. Client wishes to forfeit, discontinue, and cancel clients monthly fee credits and the completed all services. 

The client also hereby chooses to pick a course that causes a lot of services to stop and loan re-payments to go up monthly.

The client wishes Federated Student Loan Advisors to secure files of all client information including security pin.

Client will hold Federated Student Loan Advisors FREE from harm or liability in this client initiated action by signing below.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX CXXXX 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: Debt collection

On XX/XX/XXXX I got contacted by two people XXXX and XXXX I told them to no longer call me because they are violating my rights rep then declared that I need to handle my business, they then threatened me with legal action if I dont pay I felt harrassed and violated both callers were woman they got very upset when I would tell them my dob
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was used by someone else to open fraudulent inquiries. This has resulted in the following ; XXXX  XXXX XXXX/XXXX  XXXX XXXX XXXX I am seeking to have the FRAUDULENT inquiries removed from my credit reports. I have already sent the credit bureaus documentation supporting my claims. The credit bureaus are still reporting the FRAUDULENT items.
Product: Consumer Loan

Since late last year in the XX/XX/XXXX timeline, Ally Bank, despite advising me that I qualified for a payment extension of part of my amount due, has refused to extend my payments as it has done for others and as XXXX, our other vehicle loan bank, has done. At one point, they literally put a gun to our head and forced us to make a payment in the amount of XXXX dollars via an instant payment service and then told us our extended payment had not been approved. The latter, after the representative had told us that we qualified and had been approved, in addition to telling us that the payments would have to be 90 days past, at least, before they consider sending it for repossession. In addition, they continuously call our home and cell numbers and harass both my husband and I. 

In the meantime, they are collecting and adding {$20.00} of late fees that continue accruing, now totaling {$290.00}, in addition to continuing reporting derogatory information about my person to the credit bureaus on a monthly basis. Their XXXX-based call centers are full of incompetents who are always escalating to the next level up and when one believes there is a solution, they hang up and one has to start the process again. Today, I tried to discuss the issue with them again and the same result. Fed up with the biased, prejudiced, discriminatory, predatory and bad-faith actions of this bank. Why is Ally disallowing me what it allows others to do? No difference is circumstances. I am tired of the cat and mouse game and am calling them out on it. 

I look to your forwarding of this complaint to a most despicable financial institution, one that has a track record of abusing and discriminating minorities. It seems the fines levied against them for abusive discriminatory practices have not taught them the lesson. 

I am not worried about the vehicle being repossessed as I am presently only {$300.00} of the {$400.00} for the XX/XX/XXXX payment behind and the next payment is due on XX/XX/XXXX, with a no penalty, 10-day grace period. 

Thank you for your assistance. XXXX XXXX. 

I do not
Product: Credit reporting, credit repair services, or other personal consumer reports

I file a late payment dispute online on XX/XX/2023 with Experian on XXXX credit card. I found late payment on my credit report, but according to law. I am a consumer and therefore they can not be putting negative statement on my consumer report. 15 U.S. Code 1681a ( 2 ) ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; This is against the law for Experian or XXXX to be reporting late payment on my consumer report. I ask them to please remove the late payment information from my consumer report. This is hurting my report. This is causing me to deny of credit.
Product: Credit card or prepaid card

Respected Officials, I dialed the Bank of America credit card support line as I am in XXXX now, to pay balances. 

I was given wrong information saying there was a pending charge of XXXX . 

I would like to know the reason behind discrepancy Current Balance of - {$13.00} Now Viewing Current Statement All Transactions Types Pending XXXX XXXX XXXX {$10.00} - {$3.00} XX/XX/2021 Automated Phone Payment-Thank You - {$14.00} - {$13.00} XX/XX/2021 XXXX XXXX {$4.00} {$0.00} XX/XX/2021 Automated Phone Payment-Thank You - {$8.00} - Call was made on XX/XX/2021 at around XXXX XXXX  IST and payment was scheduled. 

Please see email confirmation Bank of America XXXX XXXX Show more XX/XX/XXXX at XXXX XXXX Load blocked images Bank of America ( R ) Hi, XXXX, thanks for setting up your phone payment with our automated telephone service on XX/XX/2021 Credit Card ending in XXXX Your tracking number is XXXX Your payment of {$14.00} has been received and will apply to your credit card account. This payment remains effective as of the date of your call or your requested posting date. Please note, it may take up to 2 business days for your payment to be reflected in your account history.

If you didn't make this request, please call us right away, 24 hours a day, 7 days a week : Inside the U.S., call XXXX Outside the U.S., call XXXX Thank you for being our customer.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax and XXXX  have not responded to any of my disputes! I have been sending out disputes for over 6 months now and have yet to receive a single letter from the bureaus or any results! I understand that with the pandemic there is a delay but it can't possibly be over a 6 month delay. Lawfully they are required to respond to me within 30 days. There are inaccurate items on my credit that need to be removed!!
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is reported inaccurately and I have been disputing it for a long time. I am not surprise by the results because I do not think they are taking me seriously. I have come to you to ask for help regarding this account because it is reported differently across the bureaus. All I want is to get this removed and know why is this in this report.
Product: Credit reporting or other personal consumer reports

Unauthorized inquires. I have not signed any documents authorizing these companies to pull my credit which means they are in violation of the fair credit reporting act Section 1681b ( C )
Product: Credit reporting or other personal consumer reports

these accounts were not mines XXXX XXXX XXXX opened XXXX XXXX, Western Funding Opened XXXX XXXX Collections XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/year> I ordered a used XXXX from XXXX for {$1300.00}. When I received the phone it was not in the condition that was described in the listing so I initiated a return and it was approved which then was told by their customer support that the return was lost in transit. XXXX then asked for my bank statements and a copy of my XXXX XXXX in order to process the refund which I provided it to them. Then when I never received anything I then contacted XXXX customer support to ask for the status to which I was then told that I will not be receiving a refund to which no reasoning was provided. So I gathered all of the screenshots of XXXX support saying that the return was lost in transit and them asking me for my I.D . and bank statements for a full refund to which Truist Banks XXXX XXXX XXXX Department did nothing to help me regarding this situation regardless all of the evidence that I provided them with. The claim number regarding this is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no knowledge of this company. They are showing up on my credit report as a hard inquiry. The date of the inquiry is XX/XX/2019.
Product: Credit reporting 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 these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file and are listed on my credit report. XXXX XXXX XXXXXXXX Balance : {$4900.00} ; XXXX XXXXXXXX XXXX Balance : {$4700.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$5500.00} ; XXXX XXXX XXXXXXXX Balance : {$4100.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I lost my job in XXXX they offered me a payment arrangement but I would have to close my account and the minimum payment would be {$25.00} for 12 months with a lower interest rate. I set up auto pay with a bank account but I had a fraud issue so I closed the bank. I CHANGED THE ACCOUNT INFO. I opened a Wells Fargo bank account so the auto pay would come out directly. I explained to the XXXX XXXX XXXX On XXXX location and they reassured me it would all be set up. The bank did not set it up and I pay the {$25.00} AS AGREED and every month it is higher saying Im behind now putting it on my credit saying past due over 90 days! I have called and cant speak to this department because I now work Im an essential worker and the hours i get off they are closed. I called early XXXX AND XXXX and got transferred 5 times put on hold and disconnected. They sent letter finally but no resolution past XX/XX/XXXX. My credit is still messed up. Plus they put on my credit that grantor closed the account. I agreed to close the account I said I want to close it and go on this payment arrangement they make it look like Im not paying and they closed my account. Im going to close my bank account now. Im furious They make mistakes. Im lied too. The bank associate opened my bank account and says my certified checks are free. The first one I do they charge {$15.00}. The rep calls me he made a mistake about my address in my profile and my account will be closed if not fixed. I tell him the issue and he never corrects it. The credit card company and the bank both constantly make mistakes and dont fix them.
Product: Credit card or prepaid card

Member since XXXX Last signed on XX/XX/XXXX EST Visa Signature Cashrewards -  XXXX PRINT EDIT ACCOUNTS | Current Balance {$4700.00} Pending Transactions {$0.00} Minimum Payment Due Due XX/XX/XXXX PAY {$88.00} This complaint involves the Navy Federal Credit Union and the interest rate they are charging for a card they closed. NFCU has repeatedly refused to tell me what interest rate they are charging me. They closed the account and have highjacked the % rate. I have requested the information several times through there online message portal and each time the question has been submitted, they have taken it down without answering the question.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a membership with Experian for Free Credit Report Monitoring. I noticed that they wer charging me {$24.00}. I had called to ensure they removed the charge since I not longer need their services, which the did. However, the next day, there was another charge for {$24.00}. 

I contacted them on XX/XX/XXXX and had waited on hold for over 2 hours before I spoke with a representative. The worker told me she does not see the charge and I have to call back on Friday the XX/XX/XXXX. I advised the worker that I do not have time to sit on hold for 2 hours to speak to someone and I would like a response back from a manager. She said she will notate the account and I would get a call back by Friday. I did not receive a call back. 

Today is the XX/XX/XXXX, I tried contacting them again but it was another 2 hour wait which I can not wait for. 

All I want is the {$24.00} refunded to my account. They claim they can not see the additional charge but I am looking right at it on my bank statements. Based on my research this seems to be a recurring issue with the company. I would like them to fix this ASAP and refund the money. 

Thanks.
Product: Vehicle loan or lease

My social security was used to obtain a vehicle without my consent. I do not have a driver 's license never had one in my life. I checked my credit report and saw there was a vehicle on my report. I want to get this taken off immediately.
Product: Debt collection

I am responding to your contact about a debt you are trying to collect. You filed on my credit report on XX/XX/2023, and identified the debt as from XXXX XXXX as mine but I haven't received any information to verify the validity of the debt to be mine, had any contact me via mail or had the right to dispute. Please supply the information below so that I can be fully informed.
Product: Credit reporting or other personal consumer reports

To Consumer Financial Protection Bureau, I writing with a complaint on all three Credit Bureaus : XXXX, Experian and XXXX. 

I am an owner within XXXX XXXX XXXX XXXX. I disputed a credit card charge with XXXX XXXX XXXX around XX/XX/2023. Based on this open dispute XXXX XXXX put the following comment two different times on my credit bureau reports : Account information disputed by consumer, meets Fair Credit Reporting Act ( FCRA ) requirements. This statement caused my XXXX XXXX XXXX to drop XXXX points from XXXX to XXXX. Additionally, the XXXX and Experian credit scores dropped between XXXX and XXXX points from XXXX to XXXX to XXXX. 

I disputed the charge on my credit card account because I didn't receive the services I paid for from the merchant, and its my right to dispute the charge. However, based on the statement XXXX XXXX put on my credit bureau file it caused my credit score to drop drastically which was punitive to me. The statement XXXX XXXX put on the account should not have caused my credit score to decrease at all. 

I contacted each Credit Bureau and they removed the statement. My credit scores increased ; however, they did not increase by the amounts they decreased. I mentioned that XXXX XXXX put this statement on my account twice so again my score is back down to XXXX with XXXX and in the mid XXXX with the other two bureaus. 

I want to know why me disputing a charge is punitive with the credit bureaus. I believe this practice should be looked into. Your assistance is appreciated. 

Respectfully, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Upon checking my credit report on Equifax agency I noticed an account reporting accurately such as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1000.00} Account # XXXX Address : XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX XXXX. Inaccuracy : late payment on XXXX 2022 XXXX days late This is a violation of the CFPB section 15usc 611 credit reporting agencies have the responsibility to furnish complete accurate information please investigate and update late payment on XX/XX/year> to current or delete inaccurate information from my credit report as I know it was paid on time I will attach XXXX credit card statements from the account name above as proof this payment was made on time dates XXXX please send my a updated credit report to my address within 15 days thank you!
Product: Credit reporting or other personal consumer reports

As a consumer ( defined under 15 USC 1681a ( c ) ), alleged Derogatory late payment deficient of REQUIRED PROOF OF ADEQUATE FEDERAL REPORTING COMPLIANCE, such as XXXX XXXX and the FCRA standards of reporting. The following accounts have billing error XXXX XXXX XXXX XXXX and must be resolved immediately. 


Account Name : XXXX XXXX XXXX XXXX - Opened on XX/XX/XXXX Account Name : XXXX - Opened on XXXX Account Name : XXXX  XXXX XXXX - Opened on XX/XX/XXXX Account Name : XXXX XXXX XXXX Opened on XX/XX/XXXX XXXX
Product: Student loan

I have been paying my student loan on time for several years.I had requested to pay more each month approximately $ 100- $ 200.00- but Navient wont approve it. I am on a payment plan of lower payments due to my income ( approx. {$64.00} ). I made a lump sum payment ( approx : {$500.00} ) on XX/XX/2019 because I had saved some money. I want to keep paying every month according to what I can afford. 
Navient approved me to continue the low repayment plan in XX/XX/2019- however all of a sudden in XX/XX/XXXX and XX/XX/2019 Navient increased my payment to {$960.00} approximately half of my total wages. 
I called Navient on XX/XX/2019 and instead of continuing my repayment plan as was established they insisted on a Forbearance- now they are again saying I must pay an amount that will be impossible. ( half of my wages ) It is very difficult to manage the process with Navient-I am not a loan expert. I want to pay my loans as I can afford and I have been diligently. My account shows I have been on time and paying for several years without lateness. Please help me to fix this problem. 
XXXX XXXX XXXX -Navient Loan # XXXX
Product: Credit card or prepaid card

This letter is in response to your correspondence sent on XXXX, XXXX, XXXX regarding unauthorized charges on my American Express corporate account totaling {$42.00}, XXXX and your correspondence sent on XXXX, XXXX, XXXX regarding re-billing of unauthorized charges of {$10000.00} that were credited to my account in XXXX, XXXX. Billing reference # XXXX and # XXXX. 

American Express reversed the credit of {$10000.00} XXXX months after the investigation closed and {$42000.00} over XXXX months after the report was filed on XX/XX/XXXX. 

I am reasserting once again that the billing errors on my account have resulted from the unauthorized activity. I am reasserting once again that I have not shared my account numbers with anyone. 

Please, provide me with documentation supporting your decision to deny the claims. 
I need to see documentation regarding each charge that was reversed as well as copies of signed receipts. 

I am requesting that you reevaluate your decision, and adjust my upcoming billing statement. 

In addition to unauthorized charges on my American Express account I have not been credited for a charge in the amount for {$10000.00} that I disputed XXXX times for item not received. The charge posted to my account on XX/XX/XXXX. I have provided American Express with plenty of documentation to support my position. Please, review my documentation and issue proper credit. Thank you. 

Regards, XXXX XXXX
Product: Checking or savings account

On today, XX/XX/XXXX, I attempted to cash my check via a mobile deposit into my checking account. The bank that is the issuer of the check is a regular credit card bank that I make payments to with my Chime account so there is an established transactional history of me paying this bank. The amount I needed to cash out on the check is {$4400.00}. When I deposited, it said that {$200.00} would be available by XXXX tonight and that the rest would be deposited by next Friday ( XX/XX/XXXX ) upon clearing. Well about one hour later, I received an email that said Chime could not verify the information and to NOT attempt to cash with Chime Bank at all. This is very inconvenient for me because I do not have another bank to mobile deposit. I would have to find a location to go cash in person somewhere, only to go to another location to deposit funds into my Chime Bank account. I attempted to call and see if there was anything else that could be done about this " inconvenience '' and Chime declined. At this point, it feels like I need to open a new bank account with another bank and/or take my business elsewhere because they are forcing me to do " extra work '' that I rely on my ( Chime ) bank to do. I have been with them for several years now.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 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.