23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

This is a follow-up to a previous unresolved complaint. 
CFPB Complaint Number : XXXX I filed nearly 3 weeks ago regarding the unexplained closure of my Bank of America credit card , which was done without notice and without providing any justification. I have not received any communication from Bank of America through the CFPB portal or otherwise. 

Since then, I have been denied multiple credit card applications, including with XXXX, who cited that the account ended in an unsatisfactory manner. My credit score has dropped over 130 points, and I have never engaged in fraud or irregular activity.

This is now actively harming my financial standing, and Bank of America has been unresponsive despite repeated outreach attempts. I am requesting that this complaint be escalated urgently, and that the account closure be reviewed and any inaccurate credit reporting corrected immediately.
Product: Student loan

Double the amount owed back higher monthly payments cant access my account to get a breakdown can get the right department to get understanding of payment
Product: Credit reporting, credit repair services, or other personal consumer reports

The company is reporting the incorrect balance to Fed loan Servicing showing on my credit report. Please have University of XXXX do an Validation fo Debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing with Equifax credit bureau that the following accounts : Department of Education/XXXX/, Department of EducationXXXX and US Department of Education XXXX. These accounts have been on my credit report report for more than 10 years and I have been disputing them to be deleted from my credit report. But all the credit bureau does is keep verifying that the information is accurate or that that the accounts belong to me. I know the accounts belong to me and that the information is being reported accurately. I just want the accounts deleted from my credit file. They have been on my credit report for over 10 years and it's the credit bureau responsibility to remove accounts that have reached that timeframe. I spoke to a rep on XX/XX/2022 who told me that she deleted these accounts from my credit report. Only to find out she gave me false information. I've been disputing these accounts since XX/XX/2022 and still nothing has been done. They told me today XX/XX/2022 to call the Department of Education and provided me a phone number XXXX to have them send them a deletion letter to remove the accounts ; however, the phone number doesn't even work. I called them back to tell them and basically was told since their still in dispute that I'll have to wait until the dispute gets resolved.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft. There is a fraudulent XXXX XXXX account on my credit report. This is not mine nor do I have an idea whose account this is. Please delete the fraud account and hard inquiries from my credit reports as soon as possible. The fraud account is XXXX  - XXXX - Opened on XX/XX/XXXX and the fraud inquiries are : XXXX XXXX XXXX XXXX - XX/XX/XXXX and XXXX XXXX - XX/XX/XXXX. I have attached my FTC report, ID, social security cards, and proof of address. I have been going back and forth with the bureaus, specifically XXXX. They told me that they verified it's mine which is IMPOSSIBLE. Please help me sort this issue within this month if possible. Thank you!
Product: Checking or savings account

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, Chex systems, block information appearing on my chex systems report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of Source of Information : XXXX XXXX XXXX XXXX XXXX # : XXXX / XXXX Original Charge Off Amount : {$600.00} Closure Status : UNPAID Source of Information : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX / XXXX Original Charge Off Amount : {$330.00} These fraudulent accounts have resulted in me being unable to open a bank account. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer bank accounts and inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX obtained a copy of my credit report on XX/XX/2021 - without my permission. The FCRA states that inquires made without " permissible purpose '' can be removed. Additionally, the FCRA states I can sue for damages up to {$1000.00} for pulling my credit report without my permission. Upon contacting XXXX, they were unable to provide proof of my signed approval for them to pull my credit report.
Product: Credit card

After being laid off in XXXX, I enrolled in XXXX health plans managed by XXXX ( XXXX XXXX ), which included dental, vision, and health coverage. My former employer generously agreed to cover my premiums through XXXX. In XXXX, I decided to drop the health plan, which cost around {$400.00}, via the XXXX portal, while keeping the dental and vision plans for XXXX. 

The issue arose when XXXX incorrectly charged me for the health plan in XXXX, despite my having removed it. I reached out to an XXXX representative to resolve the matter, but she was unhelpful and rude, simply advising me to dispute the charge with my bank, XXXX. 

I initiated a dispute with XXXX ( handled by XXXX ) over the incorrect charge of {$460.00}. I provided invoices and screenshots as evidence that I had been wrongfully charged. Unfortunately, they sided with the merchant, leaving me frustrated and out $ XXXX significant amount of money. 

This experience has significantly damaged my trust in XXXX, which I had relied on as my primary bank for checking and credit card services.
Product: Mortgage

My original loan amount was {$300.00}. Somehow after a loan modification, the mortgage company added more or less another XXXX to my principle. I had filed for a hardship case, asking for a making home affordable loan. My late husband was in charge of our finances at the time. I have researched and can not find any reason for such an enormous amount of money being added to my principal. XXXX person I spoke with from XXXX XXXX bank said she had never heard of an amount being " increases to the mortgage '', but had only heard of amounts being " reduced, or deducted from mortgages '' .This increase has caused the house to cost more than actual worth, an upside-down situation. If I sell my house I will lose money. This is an absolute injustice. This is not a " XXXX XXXX XXXX '', it is the government bailed-out bankXXXX it 's consumers, and possibly getting away with it. I noticed when I made inquiry with XXXX, they had particpated in the home affordability act, but sold my loan or note to another bank soon after 2011. I was a tax paying citizen trying to avoid foreclosure. Now I am in a much worse predicament. I have attached some documents pertinent to this complaint.
Product: Money transfer, virtual currency, or money service

During the month of XX/XX/XXXX, I had several instances where the perpetrators attempted to charge my personal accounts and attempted a prior wire transfer. Wells Fargo was able to stop most of the charges as well as the attempted wire transfer for {$33000.00}. 

However, in XXXX, I received a message from Wells Fargo that someone was attempting to wire money from a different account. They said they would be calling with more information. They did call on XXXX however it was not Wells Fargo- it was the fraudster, male subject. He had my account numbers, personal identifying information and the caller ID was listed as " Wells Fargo ATM. '' During this conversation, the fraudster told my husband to perform two separate wire transfers into a XXXX account since the account was compromised. 

The following Monday I called Wells Fargo to follow up and the bank stated they never made a phone call and have no record of anyone from Wells Fargo contacting me. 

Wells Fargo completed their investigation and sent letter this week stating they can not get our funds back. We are currently in the process of a second investigation looking at a possible internal employee who is the fraudster. 

XX/XX/XXXX XXXX TO XXXX XXXX ON XX/XX/XXXX REF # XXXX XXXX {$3300.00} XX/XX/XXXX XXXX TO XXXX XXXX ON XX/XX/XXXX REF # XXXX XXXX {$3500.00} Wells Fargo has been very difficult to deal with and is accepting no responsibility.
Product: Credit reporting or other personal consumer reports

I notice the fraudulent and inaccurate accounts on my credit report I try to send dispute letter to the 3 credit bureaus but they said I using a credit repair company which is wrong I'm doing all the letters I send I also filling complaint regarding on that issues here 's the list of negative account I want to delete or remove Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX When was the Account opened : XXXX XXXX, XXXX Account Balance : {$600.00} Account Name : XXXX XXXX XXXX XXXX XXXX When was the Account opened : XX/XX/XXXX Account Balance : {$8500.00} Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX  When was the Account opened : XXXX XXXX, XXXX Account Balance : {$0.00} Inquiry name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry name : 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: Debt collection

I have disputed this account several times with no resolution. My problem with them started after my 1st dispute with XXXX XXXX XXXX. I asked for validation and they did not provide it. After my attempt to dispute this account, they started reporting my account with false late payments. I have copies of my credit reports dating back to XX/XX/2020. They have two different amounts owed, and two different Date of First Delinquencies. I have attached the copies of my reports with this complaint. After they could not provide validation of the late payments with the XXXX XXXX, the late payments were removed from my file. They then sold the inaccurate time barred account to a collection agency called the XXXX XXXX XXXX. I have experienced pain and suffering from everything this company has did to me. I plan on hiring an attorney to help me with this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has inquires i did not request nor should be on inquries
Product: Money transfer, virtual currency, or money service

Prior to leaving the XXXX for the XXXX, I confirmed with my bank ( Ally ) what exactly I was to do to avoid excessive fees and currency exchanges during my time in the XXXX. Per emails from them I was instructed that they were members of the XXXX XXXX  and that I should seek out those machines. I would only have to pay a small international transaction fee. 

On XX/XX/XXXX I was told by Ally - " Please keep in mind that Ally Bank does have an ATM locator on ally.com and the mobile app. Any transactions performed at XXXX ATMs are surcharge free. XXXX ATMs are available outside of the United States in XXXX, XXXX XXXX, XXXX XXXX, XXXX, and XXXX. You can also find these locations at XXXX XXXX I followed these instructions and found a machine on XXXX XXXX XXXX XXXX XXXX  upon my arrival on XX/XX/XXXX. The maximum I was able to withdrawal was XXXX pounds which at the conversion rate of XXXX came out to roughly XXXX XXXX with a XXXX ( XXXX ) fee. 
Upon checking my withdrawal statement on the Ally app - I discovered that they took XXXX XXXX. A predatory difference of XXXX XXXX. 
I filed complaint with the bank and was told the following my a customer service agent named XXXX and his message reads the following if you can make sense of it. I was not challenging the transaction fee but the predatory way they hoodwinked me with a false and excessive exchange rate after assuring me this would not happen. 

" If you conduct a transaction in a foreign currency, the Debit Network will convert the transaction amount into U.S. Dollars by selecting an exchange rate from a range of rates available in wholesale currency markets ( or the government-mandated rate ). The exchange rate will be applied on the settlement date of the transaction which typically is later than the date of the actual transaction. It may not be the best rate or the rate that the Debit Network itself receives. In addition, an International Transaction Fee of up to 1 % applies to any POS debit or ATM transaction originated by any merchant or any ATM operator located outside the United States. Other fees for foreign transactions may apply. We will not reimburse you for any exchange rate loss or fee, or for any other fee you incur by using your Card outside the United States. '' The customer service rep XXXX who called me ( and I have all communication should you need ) can be reached at XXXX and select option XXXX. 
I have attached his message to me. I have attached the message from Ally instructing me about the XXXX access. I have attached a copy of the ATM receipt which you can see is in the network of XXXX. I have been hoodwinked here and XXXX seems to be the kind of rep who only cares about profit of business.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I thought this case was resolved accurate due to the fact I went to mediation on XX/XX/XXXX with Capital One attorney and was told they was going to dismiss all debt without prejudices. Since the ruling Capital One has continued to report negative allegations to all 3 credit bureaus and this has continued to damage my credit. 
Capital One has reported the account as a charged off account as well as written off and past due as of XX/XX/XXXX. In the same month they also reported paid, closed/ never late on other incidents on my credit. The inconsistencies in reporting have caused some discrepancies in my credit report and I would like for Capital One to correct these findings. I think its fair for Capital One to update their reporting on this account as closed as of XX/XX/XXXX once the courts resolve the matter and said it will be deleted with a zero balance per court record states. 
The false reporting has ruin my credit profile and got me in a situation that i cant move forward from this financial hardship that i have been experiencing because of the false reporting and everything had been resolved already thru the court and ordered by the judge and both parties had agreed that matter was solved and resolved. 
Please review the enclosed documents. 

Respectfully, XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am formally expressing the concerns I have regarding Zelles handling of disputes, mainly in light of the CFPB lawsuit. I would like to highlight some of the major issues with this platform. I have used Zelle a number of times and reported discrepancies, however both my financial institution and Zelle have not investigated my claims adequately. I was informed that lost fund would not be recovered and tracking these transactions were impossible. CFPB has determined that Zelle has neglected to protect consumers rights and had allowed repeat offenders to exploit the system and open to scams. The lack of accountability and transparency is truly unacceptable and increased concerns of consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has once again added fraudulent accounts that they were already notified were fraud, back onto my credit reports. Equifax has already received my FTC law enforcement identity theft affidavit. Equifax blocked these accounts, sent confirmation they blocked them as required due to the FCRA laws protecting consumers of identity theft. Not only are they violating consumer protection laws by unblocking fraud and re adding fraud back onto my credit, they know its fraud. Knowingly reporting incorrect fraudulent information. They recently added two new accounts from XXXX XXXX that I did not authorize, a auto loan and a Line of Credit. These were previously blocked, and equifax decided to unblock them and Re add the fraud. Without notifying me. They continue to damage my credit placing incorrectly reporting fraudulent accounts that were opened as a result of identity theft. They have already been made aware of these accounts and proceed to over ride the identity theft block. This includes an account from XXXX XXXX XXXX. I believe equifax is leaking my information, as it seems equifax is the only bureau placing fraud on my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$17000.00} ; ACCEPTANCE NOW XXXX Balance : {$2800.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX XXXX XXXX {$130.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$4500.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$63.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX TX ) XXXX Balance : {$6400.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$130.00} XXXX XXXX XXXX Balance : {$110.00} ; Medical XXXX XXXX Balance : {$410.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; TX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/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 or other personal consumer reports

Please take action to block and remove the unauthorized accounts from my credit report as quickly as possible. I did not open or approve these accounts, and I am unaware of where they came from. Under USC 1681g, I am formally requesting their removal within 15 days. The necessary documents are provided for your consideration.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS.

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> EXP 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 of 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

In accordance with the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX has violated my rights. Or a list of Inquiries : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 or 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

Transunion is reporting incorrectly that I am 120 days past due on the XXXX XXXXXXXX partial account number ****XXXX-XXXX. ( Please see page 3 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to 3 credit bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX XXXX Balance : {$1800.00} ; XXXX XXXX XXXX XXXX Balance : {$3200.00} XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/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 XXXXXX/XX/XXXX
Product: Bank account or service

The bank will NOT let me close my account even though it has been no charge for the checking account and now Regions Bank has charged me a monthly fee without using the account. I was waiting for the direct deposit to start depositing into my new bank account to close the account. Now I presume they will keep charging me a monthly fee b/c I have a negative balance ( monthly fee charged without letting me know they changed my account from a free account to a monthly fee account ). Regions Bank on XXXX XXXX in XXXX, LA ( XXXX XXXX ). 

XXXX XXXX
Product: Credit card

Regardless of multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The BARCLAYS BANK DELAWARE failed to comply with the Fair Credit Reporting Act, 15 U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove this account completely from my credit reports. 
Barclays # XXXX