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

I noticed on the XXXX that i was negative in my account. I have until XXXX through tcf to fix it.so i deposited XXXX dollars to fix my negative balance at XXXX that night.which left me at XXXX.The next day XX/XX/XXXX i noticed i was negative again.So i deposited XXXX at XXXX that morning which left me at XXXX. On XX/XX/XXXX i woke up, checked my account and noticed i had an XXXX over draft fee. When i called to ask why, the lady told me my negative balance was from the day prior.which is impossible considering i fixed my account the day prior.luckily she agreed to help and take off -XXXX to make it -XXXX.i called back again that day still not understanding and they then told me its possible my fees came out at noon on the XXXX.which still doesnt make sense.they charged me 5 over draft fees total. One which i shouldnt have even gotten considering im allowed to have up to negative XXXX bucks before being charged.when breaking down the over draft fees, they charged me one for -XXXX. I went into the bank today for them to tell me that my funds on the XXXX must have came out after i fixed my account with the XXXX dollars that day.so basically what they are trying to say is they must have taken the funds out at after XXXX on the XXXX.when i asked if they could tell me what time kwik trip took out those fees he told me there isnt a way of knowing because they dont have the times when kwik trip ran it through ( which makes no sense ) however, they showed me what times the other funds came out but when they showed me they told me they could not give me that form to leave with because its the banks. How am i not able to take a copy of that home?! Please look into my account and please help me.i feel as though they are stealing from me.
Product: Student loan

I signed up for a Loan with Nelnet. The terms were as follows. Total amount XXXX with four payments of approx. XXXX. They charged the first payment amount correctly, in XX/XX/2019 But then increased the amount due to a school error. They charged me XXXX and refuse to refund it. Even though the school has corrected their records. When I call them they say there is nothing they can do. Agreement Number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my consumer reports and noticed that I had 3 late payments on an account that I was NEVER late for. 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 for the account. XXXX Account, XXXX,. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.
Product: Checking or savings account

I had two incident of unauthorized fund transfer from XXXX XXXX Bank of America Prepaid account. The first incident happened XX/XX/2023, I had a notification in my email about a fund transfer amounting to {$5000.00}. I notified the bank immediately upon discovering the unauthorized fund transfer, and filed a claim. I notified them that I was not the one who transferred the money. The bank denied my claim twice and did not give back my money. The second incident happened again XX/XX/2023 another unauthorized fund transfer of {$2800.00} I notified again bank of america and cancelled my card. Now i have 2 pending claims in bank of america but I still can not recover the money that was stolen from me. I tried to get the information of the recepient of the fund transfer but Bank of America says they can not provide me with details. This is clearly a fraud, it happened twice already but the bank keeps of denying my claim. After cancelling the card, i received another notification stating PIN change notification and fund transfer account update. I called bank of america again and informed them that I was not the one who changed my PIN and did the fund transfer update. Clearly, this is fraud. The bank clearly doesnt have anough security measures to keep this from happening. No one else has the access of this accouny other than me. hope they can investigate about this incident. I am on XXXX and these thieves keeps of stealing my money that I need for my XXXX. Alot of Americans deal with this kind of fraud. Please help me. Thank you
Product: Credit reporting or other personal consumer reports

I recently obtained my personal credit report and theyre items in m personal information profile that should not be reporting. I tried to submit a complaint. But, they stated that I would have to call them to resolve this matter. The major issue Im having is the ability to communicate with someone about my situation. Ive tried several numbers and all calls leads to an automated system. The system gives no prompts to speak with a customer service specialist. I need your assistance in making contact with someone to discuss my dispute. This incorrect information is harming my credit account. Experian has to do better in giving consumers the access to speak to a live representative.
Product: Vehicle loan or lease

I have paid off my car loan about 4 years ago. Wells Fargo never sent me the title and now that I want to trade in the car they are making me wait up to 1 business week to get the proper form faxed to the XXXX
Product: Student loan

On XX/XX/2018 I logged into my account, looked at the ready to pay off this loan amount for online repayment, and chose the specify for each loan option and chose this loan to pay off the full balance of {$12000.00}. I went onto the account about a week later and noticed they distributed the payments between two loans and did not pay off the full balance of the one loan I specified. They applied {$3600.00} to this loan leaving me with almost a {$9000.00} on this consolidated subsidized loan and applied the remainder to the larger loan. This made it so my payments didnt decrease, I still have balances on both loans with a 6.25 % interest rate. The point of me paying it off was to decrease my debt and start to make a dent in my over {$80000.00} in student loan debt. When I called to complain they told me it was the department of education that redistributed the loan and that I couldnt do anything about it. I am never going to get these loans paid off if I cant take one loan at a time to pay off. These loans show two separate pay off amounts, I make two separate payments each month on them that get applied just fine. I wasnt behind on any of the payments and had made the payment for that month to the other loan already. They used my money how they wanted even though I specified where the money was to go and they had the option online to specify where the money is to go. Also, the full repayment amount for each loan is not showing as one lump sum, it is showing for each loan by itself. And although it let me specify which loan I paid at the time of each payment ( even standard monthly payments ), when you look at all the payments it doesnt specify which loan was chosen in the pending and past payment history. It is deceitful and completely unethical.
Product: Credit card

I have had a Macy 's American Express card for a couple of years. Out of the blue this week I received a letter from Citibank that I have been enrolled in a Credit Protection plan that I never agreed to ; and in order to avoid being charged I need to call Citibank. I have never knowingly signed up for such a plan and believe this to be fraud on the part of Citibank and XXXX XXXX. I have canceled the card, but it is my understanding that these " opt out '' programs are not legal
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion continues to list an address -- XXXX XXXX XXXX, XXXX XXXX, XXXX, NJ, XXXX -- where I have never lived.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX XXXX Balance Owed : {$410.00} XXXX XXXX  XXXX Balance Owed : {$500.00}
Product: Debt collection

This complaint submission is in regards to a false credit report by JEFFERSON CAPITAL ( XXXX XXXX XXXX XXXX XXXX, NC XXXX ). I have made attempts to rectify this matter with them directly as they have now been unresponsive. I spoke with a representative who was both uncooperative and uninformative. The representative was extremely aggressive and hung up the phone when requesting information regarding the account. I then made another attempt and I was finally provided with the mailing address so I could forward them a Debt Of Validation letter. This Debt Of Validation letter that was mailed on XX/XX/2024, was confirmed through CERTIFIED MAIL that the Supervisor had received the files by signature confirmation. At this point it is now XX/XX/2024, and after 30 days of notifying them, neither my Attorney nor I have received any response, or correspondents. I specifically asked for proof of the alleged debt and anything in signature or JUDGEMENT BY LAW stating I was obligated to pay them or falsely report a debt to the XXXX major Credit Bureaus. They failed to return the requested information on the Debt of Validation Letter. I have never made any agreement with them nor the original creditor to pay anything, nor was I properly notified of this false reported debt. I am requesting JEFFERSON CAPITAL ( XXXX XXXX XXXX XXXXXXXX XXXX, NC XXXX ) to immediately remove me from their systems and update all XXXX major Credit Bureaus specifically ( XXXX, XXXX, & XXXX ) on this action. They have failed to follow the guidelines which were all provided to them in the Debt Of Validation letter that supports the Fair Debt Collections Practice Act. In result, JEFFERSON CAPITAL ( XXXX XXXX XXXXXXXX XXXX XXXX, NC XXXX ) is violating my rights and are also causing financial hardship with this debt being reported. This false report by JEFFERSON CAPITAL has prevented me from gaining access to any lenders due to XXXX XXXX on file. At this point they have failed to provide any competent evidence or any legal obligation and JEFFERSON CAPITAL ( XXXX XXXX XXXX XXXX XXXX, NC XXXX ) is currently in violation of the Fair Debt Collections Practice Act, 15 USC 1692g. If this report is not updated immediately to the XXXX major Credit Bureaus, I will be taking legal actions and will immediately file a Civil Suit to obtain all statutory and punitive damages available under law for their illegal activity.
Product: Bank account or service

I have a XXXX corporate accounts with US Bank, XXXX checking and XXXX Money Market. I am the single and only shareholder to the corporation there are no other signers or anyone else authorized on my accounts. On XXXX XXXX, 2015, my corporate bank accounts and information were breached by XXXX XXXX XXXX manager of US Bank. My ex husband went into US National Bank and without my knowledge or permission obtain from XXXX XXXX XXXX my corporate bank account numbers and their balances, XXXX XXXX the bank manager, took it a step further and provided the corporations profile which included the Federal Tax I '' D #. Currently, there is a restraining order against my ex-husband which my branch of US Bank is well aware of. My ex-husband went to a branch where he knew the manager in order to illicit and obtain information that he was not privy to. At the time I open the account XX/XX/XXXX with US Bank, I was required to put in writing any other person or persons authorized on the account and all shareholders, which there were none, again, XX/XX/XXXX, I was required to provide the same information. 
XXXX XXXX at the time he accesses the accounts for my ex-husband could clearly see that his name was not on any of the accounts for XXXX XXXX XXXX XXXX, and if there were any doubts, a quick telephone call to my opening branch would have confirmed the following : My ex husband is not part of the corporation in any form and there is a restraining order against him and he is not on any of the corporate accounts nor has he ever been. Now knowing this information it is completely baffling to me, that anyone could walk off the streets and present absolutely XXXX and obtain bank statements, corporate profile, tax id number. By XXXX XXXX providing the Tax ID number and profile to my ex husband this has caused catastrophic harm to me both financially and medically. This action by US Bank has set back and impeded my recovery from recent XXXX, and more recent XXXX. I am expending energy, time and resources which I do not have on US Bank 's egregious and willful act.
Product: Mortgage

in whole, I filed BK in XX/XX/2017, XXXX was the mortgage company at the time, the were supposed to reaffirm my mortgage loan with my attorney. I found out about 3 weeks ago that the loan was never reaffirmed at the BK filing/hearing in the courthouse, and XXXX transferred the loan to Freedom Mortgage. I have been making payments for 3 years to Freedom mortgage and they never reported any of the payments to the credit bureaus. so I have been going round and round with my XXXX XXXX Attornery, BK courthouse, mortgage company on the fact that reaffirmation was never filed, everyone dropped the ball, and the repercussion is, no credit reporting to the bureaus which means this has not help to rebuild my credit!!! and noone cares to fix this grave mistake, then I find out that due to no reaffirmation, legally speaking I am not responsible or obligated to even pay the mortgage because it was part of the BK filing discharge!!! but I have been paying for 3 years!!! I need serious help here ... .please assist or if you can refer an attorney of someone that can help me with this disaster!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX XX/XX/XXXX CAPITAL ONE XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX NOTICE OF DISPUTE AND REQUEST FOR LATE PAYMENT REMOVAL Dear CAPITAL ONE, I trust this letter finds you well. I am writing to formally dispute the presence of late payments reported by your organization on my credit report. I believe these late payments to be inaccurate and unjust, and I kindly request their removal in accordance with applicable laws and regulations. 

The late payments in question are associated with the following account : Account Information : CAPITAL ONE Account Number : XXXX. 
Date ( s ) of Late Payment ( s ) : XX/XX/XXXX I wish to emphasize my commitment to fair and accurate credit reporting. These late payments have had a significant impact on my creditworthiness and have caused me undue financial hardship and emotional distress. 

It is my understanding that your organization has a responsibility to report accurate information to the Credit Reporting Agencies Given my belief that these late payments are not reflective of my payment history, I hereby request their removal from my credit report. This request is made in accordance with the Fair Credit Reporting Act ( FCRA ) and related regulations. 

I also want to bring to your attention an important matter regarding our original agreement. The arbitration clause within our agreement outlines a mechanism for dispute resolution that we both agreed upon. It is my sincere hope that we can resolve this matter amicably and avoid the necessity for arbitration, which could result in substantial costs and fees for both parties. 

Therefore, I purpose the following options for resolution : Option 1 : Delete Late Payment I kindly request that your organization promptly remove the late payments from my credit report, therefore rectifying the inaccuracies and ensuring my credit history is accurately represented.

Option 2 : Initiate Arbitration Should your organization prefer NOT to remove the late payments, I am prepared to Initiate Arbitration Proceedings as allowed by our agreement. This process may entail substantial costs and fees, including MY filing fee, YOUR filing fee, Arbitration Initiation Fee, an Arbitrator Deposit, and any legal cost incurred during the Arbitration process. 

I firmly believe that an amicable resolution is in the best interests of both parties. However, I am fully prepared to pursue Arbitration should that be necessary to uphold my rights and ensure Fair Credit Reporting.

Please respond to this notice within 30 DAYS to confirm your willingness to remove the late payments or to express your intent to proceed with Arbitration. Your prompt response is appreciated and will help facilitate a timely resolution to this matter. 

Thank you for your attention to this issue. I look forward to your response and the possibility of resolving this matter in a manner that ensures Fair and Accurate Credit Reporting. 

Sincerely, BY : XXXX XXXX, XXXX XXXX For : XXXXXXXX XXXX XXXXXXXX XXXX WITHOUT RECOURSE
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax and XXXX are reporting a Bankruptcy as a public record falsely. File date XX/XX/2017. I have contacted the United States Bankruptcy Court and they have sent me a letter verifying that they do not verify with any third parties such as credit bureaus. These credit bureaus are reporting this on my credit reports and I would like it removed because it is not verifiable.
Product: Debt collection

Goldman Sachs did not properly follow lending processes and Truth Lending. I want this account deleted from my credit reports. The loan payment statements were sent to an incorrect address in Florida. I knew nothing about this loan or payments until Goldman Sachs filed a judgement against me in court. I also found out that Goldman entered the wrong phone number.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS/INQUIRIES LISTED ARE FRAUDULENT SOMEONE USED BY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE ACCOUNTS I AM VICTIM OF IDENTITY THEFT
Product: Credit reporting, credit repair services, or other personal consumer reports

You guys continue to place fraud alerts on my credit and I do n't authorize any of the credit bureaus to place any fraud alert. Please do n't place another fraud alert on my credit file. I really mean it, it is embarrassing me and humiliating me as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent you letters regarding accounts in my credit report that I do not validate but they are still showing on my report. You failed to comply you failed to remove account that I do not validate, these accounts are no way attached to my home address and not supposed to be in my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

These inquiries don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of inquiries that are reporting derogatory on all 3 credit reporting agencies. 

1. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

5. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

6. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

7. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

8. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

9. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

10. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

11. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

12. Identity Theft JPMCB CARD Date of inquiry : XX/XX/XXXX This is not mine. 

13. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

14. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

15. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

16. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

17. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

18. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

19. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

20. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

21. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine.
Product: Bank account or service

On XXXX XXXX, 2016, when I open new checking account ( account # XXXX ) with BankoftheWest ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ( XXXX ) XXXX ), the manager promised me ( he wrote a little note that 'deposit {$250.00} by XXXX XXXX, 2016 " on the promotion letter. 
Note : * The banker also wrote a note that I will get {$250.00} by XXXX XXXX, 2016 if I deposit {$15000.00}. 
* I also told them I got bonus last year already. 
But XXXX XXXX, I still do not get bonus {$250.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting this CFPB complaint to you today to inform the Credit Reporting Agencies that I was a victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts and information listed on an ID Theft Report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX AUTO XXXX XXXX Balance Owed : {$750.00} XXXX XXXX XXXX Balance Owed : {$420.00} XXXX MORTGAGE XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX According to FCRA XXXX XXXX ( 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 XXXX business days after the date of receipt.
Product: Bank account or service

I am a victim of identity theft and someone stole and used my Bank of America Checking Account : XXXX, Money Market Rewards Savings Account Ending In : XXXX and numerous debit cards linked to the checking account, from XX/XX/XXXX through XX/XX/XXXX to make fraudulent and unauthorized transactions on my checking account. Over {$30000.00} in fraudulent transactions has been made to my checking account. {$30000.00} was debited from checking account and my checking account was closed unbeknownst to me.