23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am following up on my previous correspondence regarding inaccuracies in my credit file, as detailed in my previous dispute letter. Despite my prior request for correction and reinvestigation, I have yet to receive confirmation that these matters have been addressed or rectified. These inaccuracies remain unaddressed, and I am requesting an immediate reinvestigation of these items to ensure the accuracy of my credit report. Additionally, I request the following : 1.Confirmation of corrections made to the disputed items.

2.Assurance that these inaccuracies will not be reinserted into my credit report without proper notice, as required by the Fair Credit Reporting Act ( FCRA ). 
3.Written confirmation detailing the results of your investigation and the actions taken to resolve the inaccuracies. 

XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

Upon meticulously reviewing my credit report, I was disheartened to uncover a multitude of inaccuracies on my account. These errors, far from being mere oversights, significantly undermine my creditworthiness, a matter that I trust the credit bureaus to rectify promptly and thoroughly. I explicitly request an immediate and comprehensive investigation into the following account : XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am requesting Credit Bureaus to investigate my accounts in question. Specifically, I dispute the following : The accuracy of the reported balance. 
The date of the last payment. 
The account status. 
I am requesting an investigation into the accuracy and completeness of the above data for the following accounts : 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: Mortgage

I called the bank of America my lender many times since XXXX, XXXX, XXXX and XXXX, every months asking them to modify my loan, lower my rate and lower my payments, so I can be able to continue the payments since my income is less due to Covid PANDEMIC, they completed the new application few times to modify my loan they told me I am qualify for modification, I should be getting a new package in 10 days, but for past few months I never get any new package from bank, I only get a bill with late fees, I requested help from mortgage relief to help me they told me bank of America is not participating to their program, so I can not get any help that I need. please help me to be able to use government agencies like mortgage relief and other sources and ask bank of America to modify my loan as I am qualifying by law for this modification. 
I need help. PLEASE HELP ME. 
Thanks,
Product: Checking or savings account

I deposited a 3rd party check because a representative gave me the ok to deposit it over the phone then my account was locked and they made me bring in the person who endorsed the check to me they said 24-48 hours my account will be open again but I just got off the phone and they said the system denied to open my account and now they are saying I have to wait 30-60 days to get the money from out of my account and thats ridiculous because I followed every step they asked me to so why shouldnt I be able to go to the branch and widthdrawl my funds
Product: Checking or savings account

Wells Fargo is " stacking debits '' in order to maximize the overdraft/NSF fees they are charging me. For example, my XXXX XXXX XXXX bill was debited from my account causing my balance to be - {$33.00}. I immediately went to Wells Fargo within hours to deposit money into my account to cover the charge. After the deposit my account was positive again. Shortly afterwards I withdrew cash from the ATM knowing that I would be charged an overdraft fee. Once my account balance was negative again, the XXXX XXXX XXXX charge mysteriously disappeared for several days then was re-debited to my account and I was charged another NSF fee. When I called them out on it, they only offered ton refund part of it. I accused them of stacking debits and told them I would file a complaint with the CFPB. They refunded the fee then but now they have done the same thing again today with a XXXX purchase for {$10.00} on XXXX XXXX, XXXX ( TX toll tag ) on XXXX XXXX for {$20.00}, XXXX 's restaurant for {$35.00} on XXXX XXXX and XXXX XXXX for {$7.00} on XXXX XXXX.
Product: Student loan

XXXX XXXX XXXX When is the deadline to apply? 
The deadline to apply for a refund is XX/XX/2023.

I received no noticed that the last day to ask for a CARES ACT refund was XX/XX/23. I requested in XX/XX/2023 from MOHELA and FSA complaint and I was declined a refunded stating I applied beyond deadline of XX/XX/2023 whereas I was operating under the guidance of this public XXXX reliable source of end of XX/XX/2023. I am extremely disappointed b/c MOHELA and FSA didn't appropriately OR adequately advertise this XX/XX/23 deadline and I had full reason to believe the deadline was XX/XX/23.

THey should honor the XX/XX/23 deadline. Please help. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

It is necessary to reopen CFPB XXXX XXXX. : XXXX, as despite several attempts to correct this reporting error, including with CFPB in which each time the credit reporting agency failed to address the issue- the matter remains unresolved. Experian incorrectly calculates the credit card capacity ratio by including the XXXX XXXX XXXX loan, which is a mortgage and not a credit card product. Instead of a 38 % ratio as reported by Experian, the actual ratio should be approximately 5 % as reported by XXXX and XXXX. This correction will add at approximately XXXX pts to the credit score.
Product: Payday loan, title loan, or personal loan

I realized 2 days before my payment was to be drawn from my checking account that I didn't have the funds available so I went to a local store ( XXXX XXXXXXXX XXXX ) for a XXXX XXXX ( reference # XXXX ) to satisfy the debt OWED I Payed the ( XXXX ) owed on the loan an additional fee ( XXXX ) to express the payment for a total of ( XXXX ) and then my checking account was overdrawn due to checking taking out the funds and charged an additional over draft fee of ( XXXX ) but i had already paid through XXXX XX/XX/2019 at XXXX XXXX XXXX, when I called to inquire what happened ( checkngo online ) they said I never called back for a code to assure I made payment ... NO ONE told me that I needed to do so, I went to the local ( Checkngo store ) and they told me nothing can or will be done.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian Credit Reporting Agency has a XXXX XXXX XXXX XXXX account in my credit files that is not linked to my name or address attached to this collection account is showing a status : Seriously Past due date/assigned to attorney, collection agency, or credit granters internal collection department.I originally mailed dispute letter to experian on XX/XX/21 included all of the supporting documents that was requested which was copies of Drivers license, social security card, police report, Identity theft Report, my full name, date of birth, current address which also reflects my address for past two years.Experian states they never received dispute letter mailed XXXX.After I was informed Experian never received dispute letter I decided to send Experian a certified letter requiring signature upon receipt.I also was able to successfully upload the supporting documents as listed above to experian 's documents upload site.Experian finally admitted to receiving the dispute letter and supporting documents that was sent via certified mail.However Experian denies receiving uploaded documents.Experian representative stated on XX/XX/21 that they received dispute letter containing requested documents on XXXX I reached out to experian due to a previous dispute of Portfolio Recovery Associates Collection account not being removed from my credit files, address that doesn't belong to me being in my credit files, and questioned the removal of the name that the Collection Agency reported to the credit bureau due to Experian representatives previously informing me that name could not be removed due to it being linked to the collection account.I spoke with a rep XXXX asked to speak with supervisor since rep response to my questions was " I don't know '' Rep would put me on hold come back to phone and claim he was unable to get supervisor.Rep even questioned me why I wanted to speak with supervisor I replied Its my Right basically I was denied the chance to speak with a superviso
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously submitted a complaint through the CFPB about lates on my account. However, they provided me with a letter for my dad 's account. I have no idea where they got the idea that the original complaint was for my dad when all the information I gave the CFPB was for myself. Capital One Bank is reporting an erroneous late on my credit file. I recently submitted disputes with the credit bureaus to dispute another late on XX/XX/2020. They removed this late but added this new XXXX late. I was NEVER late in XXXX of 2020. I am requesting this proof be provided to me. I was not late and this needs to fixed on my credit file and not my dads!
Product: Checking or savings account

I spoke to some one three days in the roll about my account from XXXX. They would not tell me about the account supposed been open by me. Yeah I did call back in 2019 an claim to send me a cards in the mail but I did not receive them at all. I did tell them my information was stolen when I lost my wallet. But they act like o was XXXX. Then the new account that was just open they closed it down some thing happen two years ago. But I told them they is wrong on there behalf. I have the never to tell me they could pull any one account an close it out. Like I told them this account or any others I have never had the chance to even but money in my cheack or saving in this new account an not even the last one before my wallet was lost. I can send you proof on what I have in my screenshot I took
Product: Credit reporting or other personal consumer reports

i am a victim of XXXX XXXX 605c and i have uploaded supporting documents to support my cliam on XXXX XXXX
Product: Debt collection

Debt was added to my credit report, i contacted genesis and XXXX assured me she would get back to me within a week. She failed to do so, i called back a month later and i got the same response, that the original creditors had not responded and to wait. here am now in XXXX and my lease is up and i am not able to move i am currently XXXX  and this is causing major stress on my health. We had a written agreement that my balance left was XXXX idk where XXXX came from. After the stipulation, rental assistance paid another XXXX.
Product: Credit reporting or other personal consumer reports

I am filing a complaint to bring to your attention that TransUnion is unlawfully reporting a fraudulent inquiry on my credit report. This inquiry is the result of identity theft and should be permanently blocked and removed under the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ) from appearing on my consumer credit report as result of identity theft and fraud within 4 business.
Product: Credit reporting or other personal consumer reports

I REQUESTED MY CREDIT REPORTS FROM 'FREE ANNUAL CREDIT REPORTS ' DID NOT RECEIVE MY REPORT. I HAVE BEEN DENIED CREDIT SEVERAL TIMES DUE TO TRANUNION REPORT OF INCORRECT OR FALSE INFORMATION.
Product: Checking or savings account

XX/XX/22 - Was scammed through XXXX on XXXX  XXXX and called Chase to try to cancel the transaction but could not. Fine okay. The agent consoles me and tells me he is opening a claim. 
- a few hours later I check my bank app and there are no open claims on my accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am of victim identity theft and have contacted XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, Transunion and XXXX 3 times since XX/XX/2023. I have provided them with a copy of my police report, FTC report, ID, SSN and bills serval times. And they refuse to remove these fraudulent accounts and addresses. They have also reinserted fraudulent information back on my report without notification and some items they have refused to remove them from my credit report. The accounts are as follows : Fraud Accounts- 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 XXXXXXXX XXXX XXXX XXXX XXXX MI XXXX I am requesting that these fraudulent accounts be immediatly removed from my credit file. I did not open these accounts and they do not belong to me
Product: Credit card

XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX did a hard pull on my credit report without my authorization.
Product: Mortgage

i have been trying to do a loan modification since XXXX my home was up for sale, i file bankruptcy to save my home i made the payments and the bankruptcy payment as well. in XXXX i end up in the hospital and could n't make my payment i file for a loan modification and after giving me the run around for a yr they said that i did n't qualified for a loan modification after submitting paper work and application for more them 6 times. the only help the can provide is a short sale.
Product: Debt collection

On XX/XX/2019, my son, sister, brother-in-law, ex-husband and myself were all contacted by XXXX XXXX from AARS. Messages were left for all of us that he was contacting us regarding paperwork that had come across his desk and a lean was going to be put on property my sister owns. He gave the address and said to return his call to try to prevent this from happening. My sister has another message she kept, left by XXXX XXXX from the same company on XX/XX/XXXX, telling her he had my address and was coming to my home that day to deliver papers. If I wanted to keep him from doing that, I needed to call him back. 
I called back today and spoke with XXXX to clarify the issue, and he is trying to collect for a pay day loan, but insisted his company is a liaison between the attorney and he original debtor. He confirmed there has been no lawsuit filed, so I explained to him that he shouldn't be telling lies. He of course insisted it wasn't a lie. There have been other calls to my family, but we normally just ignore them.
Product: Credit card or prepaid card

Name of the Bank : American Express Complaint Reason : No cash rewards ( {$250.00} ) as they advertised after applied for credit card and spent more than the amount of money ( {$1000.00} ) in the first 3 months Date : XXXX 2017 Actions taken by me and the company : 1. Called Amex agent. They filed a case and admitted this issue. They said this is a known issue and they would resolve this issue in 2 months. After that, the reward would go to your account.
2. Made another call in XX/XX/XXXX as their promised rewards were not fulfilled. This time Amex agent said it is a system issue that impacts all the accounts opened in XX/XX/XXXX. The agent can not resolve the issue and said there would be no a time frame when this issue could be resolved in near future. 
3. Made the third time call in XX/XX/XXXX. The Amex agent said this system issue is still not resolved and can not tell you when this issue could be resolved.
Product: Credit reporting

There are items on my credit report that do not belong to me and Equifax is n't responding to my requests to investigate and remove them from my report.
Product: Mortgage

Ditech had a mortgage with me that was charged off in XX/XX/2012, they have since applied a new account number to the same account and reported a balance on the closed account using the new account number. Because of the time lapse of 4 years on the account they have submitted a derogatory mark on my credit history resulting in a severe drop in my credit rating.
Product: Mortgage

XX/XX/XXXX I received a PNC Bank loan for {$110000.00} In XXXX I did use the COVID payment deferment program, which I did only for four months. 

XX/XX/XXXX I called PNC for a payoff because I was selling my house to my daughter. PNC said they would not give payoff over phone but to look at my PNC mobile app and that would show the principal balance which is the same of what payoff would be which was a little over {$110000.00} XX/XX/XXXX XXXX XXXX XXXX who was handling my closing, said they called PNC and was told payoff was {$110000.00}. 

XX/XX/XXXX XXXX XXXX and several bank friends agreed it seemed impossible to owe almost {$2000.00} more than the original loan amount after making over 30 payments of {$980.00} to {$1100.00} each month. 

XX/XX/XXXX I called PNC Bank again and spoke with a payoff person. She gave multiple reasons of why this happened but even hinted it does seem odd to payoff more than loaned, after making payments for three years. 

Overall I just find it hard to believe I paid over {$30000.00} in interest ( 4.8 rate ) for 35 months. 

Can you offer any suggestions or help? 
Thanks
Product: Credit card

My mother XXXX XXXX was a Capital One customer until she passed away in XXXX. Her legal address was my residence. I have requested that Capital One remove my address, email address, and phone number from all further communications as all accounts were closed when she passed. 

Since then I have received at least XXXX marketing communications via standard mail and some via email. Prior to this most recent communication received, I spoke with their Compliance Department and filed a complaint regarding further communications. A form was sent via email to complete of which I did, as they were in violation of TCPA. 

Yesterday, I received yet another marketing/advertisement via standard mail for a credit card. I can no longer deal with such an inept organization and am asking the CFPB to investigate and fine Capital One for deceptive and inappropriate advertising to a deceased individual.
Product: Credit reporting

I am the victim of identity theft and I noticed that XXXX has deleted the accounts that are not mine but Equifax has not done so. As a result I have an 'Excellent ' credit score of XXXX with XXXX and a 'Fair ' credit score of XXXX with Equifax. Another person named XXXX XXXX opened up the accounts using my information without my permission and charged up the cards to the tune of XXXX dollars. I have previously disputed those acounts. I am complaining about Equifax 's false reporting because they are being unfair in keeping those accounts on my record when I did not open them and derived no benefit from the ill gotten gains of XXXX XXXX. This is a violation of the FCRA for which they could be sued. The accounts are : XXXX XXXX {$18000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$7900.00} XXXX XXXX XXXX XXXX XXXX {$6900.00} XXXX XXXX XXXX XXXX {$27000.00} XXXX for XXXX XXXX XXXX XXXX XXXX {$13000.00} XXXX for XXXX XXXX XXXX XXXX XXXX {$7200.00} XXXX XXXX {$3400.00} XXXX XXXX XXXX XXXX XXXX {$2100.00} XXXX XXXX {$7600.00}
Product: Bank account or service

My bank all of a sudden send me a letter stating that they are closing my account. When I asked them what happened, the reason was " it 's a business decision ''. I understand that they can do that, my concern is what happened that triggered it. 

They did leave my business account open.
Product: Checking or savings account

I would like to submit a dispute for a file I know is on my report but I can't see because I was not given an up tong everything date report. I want to dispute USAA. When this claim originally began, I was in a back and forth argument with the security lady who was refusing to believe my claim. There was one transaction which was an ATM withdrawal. I requested they pull the tape to see who was using the card, me or the thief? They refused. All these years later, I'm still fighting the effects of the theft. A huge injustice was done that day. I am tired of this haunting me when I did nothing wrong. If USAA was so sure they were right, why did they not request to view the footage from the ATM? They outright refused! It is time to remove this account that is reporting INACCURATE and UNVERIFIABLE information in my file. Because USAA did not pull the tape, they can not ACCURATELY report account abuse and they definitely cannotVERIFYtheir claim. The fact that they have been reporting UNVERIFIABLE information so INACCURATELY for all these years makes it UNTIMELY as well. Here is the law : Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days. 

I am attaching everything I have on XXXX XXXX who has been stealing my identity as far back as 2016 when he opened a checking, savings, and credit card account in my name with XXXX XXXX. Between the illegal reporting and the evidence I actually bring to the table, I request that all accounts reported by USAA on my XXXX XXXX file be removed as USAA has shown it will deal maliciously when allowed. They had the ability to do like me and bring evidence but they choose not to. And because of the willful and malicious behavior of USAA, I have suffered physical distress created by the mental anguish. It is time to end the illegal and bullying tactics USAA employs.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against Kinum , Inc. for knowingly reporting inaccurate and unverified debt to credit bureaus in violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Details of the Violation : Kinum is attempting to collect a fraudulent debt of {$1600.00} allegedly owed to XXXX XXXX XXXX for a XXXX  rental. However, the instrument was returned in accordance with the rental agreement, and I do not owe any outstanding balance. 

Despite my formal debt validation request, Kinum has : 1. Failed to provide any proof that I legally owe this debt, violating FDCPA 15 U.S.C. 1692g.

2. Furnished false and inaccurate information to credit bureaus, violating FCRA 15 U.S.C. 1681s-2 ( a ).

3. Refused to correct or remove the invalid debt from my credit report, despite being unable to validate it. 

FCRA & FDCPA Violations Committed by Kinum : FCRA Violation ( 15 U.S.C. 1681s-2 ( a ) ) : Kinum is knowingly reporting false and unverifiable information to credit bureaus. 
FDCPA Violation ( 15 U.S.C. 1692g ) : Kinum is legally required to provide validation of the debt upon request but has refused to do so. 
FDCPA Violation ( 15 U.S.C. 1692e ) : Kinums continued attempts to collect an unverified and disputed debt constitute deceptive and unfair collection practices.
Product: Money transfer, virtual currency, or money service

On XXXX XXXX, I initiated a transfer {$400.00} from my checking account to another person, using XXXX provided by XXXX  app. But just after I submitted that transaction, I realized that that's a fraud transaction and I want to cancel it. Then I called the XXXX bank and XXXX immediately. However, the costumer representatives told me that the transaction has been completed and they can not do anything.