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

I am writing to you again regarding the fraudulent items that persist on my credit report despite multiple attempts to have them removed. This marks the XXXX  time I am reaching out to your organization in an effort to rectify this matter, and I am disappointed by the lack of progress thus far. Despite submitting disputes and providing supporting documentation on [ dates of previous attempts ], the items remain unresolved, tarnishing my credit history and causing undue stress. 

I am reaching out once again in the hope that this time, the matter will be given the attention it deserves. I kindly request a thorough investigation into the fraudulent items on my credit report and immediate action to remove them. Additionally, I seek transparency regarding the specific steps taken during the investigation process and a detailed explanation for the repeated failure to address this issue. The following items should be removed as soon as possible : XXXX XXXX XXXX  XXXX Balance Owed : {$20000.00} ; XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XX/XX/2024.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 my Citi Rewards account was reported 30 days late and was past due of {$1400.00}. I spoke with a representative on the phone although they were very nice, I wasn't able to get assistance in this situation. Due to being in the hospital for health reasons I was unable to make my payment as I usually have since being a member. Once I returned home and got back on my feet my account was 36 days past due, but I was able to get ahold of a representative and make a payment of {$3000.00} to show good faith on paying my balance.
Product: Credit card or prepaid card

I was charged {$49.00} 3 times on XX/XX/2022 as a total of {$140.00} from a company called XXXX which is not even located on USA. I called coinbase the same day I was charged and many other times. They have send me only Emails promising to fix it but they never did.
Product: Credit reporting 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 15 USC 1681. 

XXXXXXXX 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 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.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXXXXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in those account to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXXXXXX XXXX  XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Checking or savings account

On or around Friday, XX/XX/2022, I visited the Bank of America XXXX XXXX, TX Branch ) to close two small business accounts : XXXX XXXX Company, Account Number XXXX XXXX XXXX XXXX  XXXX  Store, Account Number XXXX XXXX XXXX I approached the teller, provided my ID, explained I had two small business accounts with nominal amounts, wanted to withdraw the money and close the accounts. The teller withdrew the money from both accounts, gave the funds to me, and closed them as I had requested ( so I thought ). All was well and I left the bank, Because one of the accounts was fairly active I regularly received weekly texts providing balance updates. The other, I received monthly paper statements. 

When I continued to get the weekly text updates after two weeks, I called the BOA customer service number and explained that I should not be getting any text updates because the account was now closed. In addition, the text was reflecting that my account was in the negative. The customer service representative informed me that it takes a while for the text notifications to stop. 

Because, information about the 2nd account came to me via paper statement, I still had no immediate concern. 

Because the text messages never stopped, I became very concerned, Friday, XX/XX/2022, I visited the Bank Of America ( XXXX XXXX XXXX ). I was able to speak with a banker and explained the situation. I told her that the account should have been closed the day I withdrew the monies because that is what I requested at the time of withdrawal. She proceeded to inform me that tellers don't close accounts. She said I should have seen a banker instead of a teller. I told her that's not my responsibility to know that. I was just furious. I asked how can you make this the customer 's responsibility? I requested the accounts be closed at the time of withdrawal. The teller should have informed me of what steps to take. The banker then informed me that the accounts can not be closed with a negative balance and I would be required to pay before the accounts can be closed. She told me that she spoke with manager and they were unable to close the accounts now without payment bringing it to XXXX  balance. 

She suggested I call customer service and perhaps they could help. I explained to her, that I was there in person to resolve the issue. When I did call customer service I was put on hold for 30 minutes only to have someone answer and tell me I needed to hold for another department. As of XX/XX/XXXX, both accounts are reflecting negative $ XXXX. and I need these accounts closed. 

Please assist with the closure of these accounts. I do not feel I should be penalized because the teller did not follow through with the closure of these accounts. I can not understand how this would be serving their customer base.
Product: Credit card or prepaid card

I received an Economic Impact Payment card from Money Network Cardholder Services and I phoned the number provided XXXX XXXX but only got recorded messages. There is no phone number to reach a human. 
I want to get the Money Network checks which they refer to and which are referred to on your website, but I have not found any way to get these.
Product: Mortgage

I received escrow projection statement for my loan. The projection has an error, its missing XX/XX/year> escrow money in entry. That missing entry is causing shortage next year and puts additional charge on my loan. Contacted PNC bank to resolve the error and / or rerun the projection again. PNC Bank stated the projection is correct and refuses to rerun projection.
Product: Prepaid card

the XXXX deposited my funds into Money Network. I have previously been able to use the online method to transfer to my personal checking account. I tried today- XXXX ( previously I had done it in XXXX and it worked ). Today however, I could not get it to work. I called multiple times at different times of the day to find out why it wasn't going through. They had no idea. finally got through to someone today who said they can see I'm trying to transfer but it's not going through. speak to a supervisor - another clueless agent, who had no idea and all they say is 'go to an ATM ', 'go to a branch and withdraw the funds ', 'use another bank account '. I don't have another bank account and I am certainly not going to be withdrawing {$6000.00} from an ATM, I don't have a branch of the bank I need to deposit into near where I live. so none of these options work. The whole point of their product is to be able to do it all online. their product doesn't do what they say it does. The last agent even said the bank I'm trying to transfer to shouldn't be an issue. so I asked to be transferred to support to get this working. they couldn't because they don't even have a support department.
Product: Credit reporting or other personal consumer reports

I SUBMITTED THE DOCUMENTS NEEDED FOR YOU TO REMOVE IT.
Product: Mortgage

I was interested in refinancing my current mortgage, I was working with Mutual of Omaha. I spoke with representative on XXXX and was told I qualified for refinancing. I spent a week gathering and faxing documents over to company. My credit score is XXXX and I am a single female. Ive been paying on the current mortgage for 17 years with no missed payments and no late payments. I made XXXX last year and everything was going along fine until today. Now all of a sudden they tell me I dont qualify. I feel as though they are treating me like i dont qualify because Im female.
Product: Money transfer, virtual currency, or money service

I am to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. I have had a loss of funds. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving user vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.
Product: Student loan

I have a student loan balance of nearly {$200000.00}. Since I graduated, I have been on an Income Driven Repayment Plan and timely applied for my annual renewals. My payments under the plan have consistently been around $ 400/month. My most recent renewal was submitted on XX/XX/XXXX. On XX/XX/XXXX, I received an emails stating I have " been approved for an income-driven repayment plan... You'll receive your payment schedule... 45 days before your first payment is due. '' As of today, my next payment under the new IDR Plan schedule is XX/XX/XXXX. However, I have not received my payment schedule and it states my next payment on XX/XX/XXXX will be for over $ 2,000/month.
Product: Credit card or prepaid card

I have a company that decided last XXXX to claim I owe on a card that I paid off and cleared over 10 years ago. The card hasn't been active for around 15 years. I know who the original card company was ( XXXX XXXX  XXXX XXXX ) but can not find any information to contact them directly in order to clear this up. The company claiming I owe them ( XXXX XXXX XXXXXXXX ) is known for fraudulently re-opening old card accounts. I want this off my credit report, it is false and was settled a long time ago. Since it was paid off so long ago, I doubt I can find any type of paperwork from me paying off the account. Please help me with information so I can attempt to get proof from the original card company that this account was paid in full. This account has not been on my credit report for at least 10 years.
Product: Checking or savings account

I had a check from a friends company deposited into my new chase college account now there is a restriction On My Account And I Cant get my funds I Really need help I just paid my car note off the card before the check was deposited
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Bank account or service

This is a follow up to case XXXX and XXXX, as there does n't seem to be a way to amend an ongoing complaint. After explaining to Bank of America in faxes, via chat, via email, etc., that answering a telephone causes me physical pain, their Executive Response team called me at XXXX today, causing further physical pain, and the necessity for me to take pain medication that makes it difficult for me to continue working today. As I am paid by the hour, I am looking at an additional loss of income in addition to what they have already caused me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have checked my credit report and I notice that they are several inaccurate information on my report. Please review the following information : XXXX  Account Number : XXXX I have send letters to not only the creditor, but also to the TransUnion XXXX XXXX XXXX and XXXX from XX/XX/XXXX to XX/XX/XXXX. 

According to 15 U.S. Code 1681a, please remove this from my credit report per the following : 15 U.S. Code 1681a - Definitions ; rules of construction ( a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this subchapter. 
( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. 
( c ) The term consumer means an individual. 
( d ) CONSUMER REPORT. 
( XXXX ) IN GENERAL.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title.

( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached copies of my file from XX/XX/XXXX and XX/XX/XXXX of this year. XXXX XXXX had reported the account as being 30 days late one time in XXXX of XXXX ( on the XX/XX/XXXX report ). But as you can see on the XX/XX/XXXX report, the account now shows a series of delinquency from XXXX through present with the existing status of 120 days delinquent. The report date of the item in question is XX/XX/XXXX and XX/XX/XXXX respectively. 

I disputed this with the bureaus who sent it to XXXX XXXX. XXXX XXXX   provided the attached letter indicating that indeed the account was only late in XXXX and that is how they reported it to the bureaus. 

I spoke to a credit bureau representative who provided the standard : " We are not arbitrators. If XXXX XXXX sends us the data, we report it ''. 

I am stuck in a loop on this. The error ( either at XXXX XXXX 's reporting or on the bureau level ) is costing me thousands of dollars in financing fees.
Product: Money transfer, virtual currency, or money service

Paypal got credit cards and bank cards and accounts in my name fraudulently, used the money and won't allow me to access any information. XXXX also obtained credit cards and bank accounts in my name along with selling my investments and has been doing this for years. I've never received any money at all nor have I ever met him. I can not access anything bc he has remotely been controlling my devices as well.
Product: Student loan

Last XXXX I consolidated and filed for XXXX because under the waiver I have over XXXX qualifying payments. The history of all the nonsense with XXXX  XXXX is laid out in my previous complaint. I was transferred to MOHELA in XXXX - XXXX XX/XX/XXXX the ombudsman named XXXX told me they can request that my forgiveness be escalated because I met all the criteria and had been waiting so long. XXXX, with the Department of Education, advised me to file a new form with MOHELA instead of relying on the transferred form, as sometimes there were issues with those, AND it would get XXXX more payments certified by my employer ( even though I don't need them, as I am well over the XXXX - started with the federal govt in XXXX and still working the same qualifying job ). On XX/XX/XXXX I followed this advice and submitted the new XXXX form to MOHELA. Not seeing it, the next day I panicked and submitted a duplicate form. I called Mohela and the rep told me it was fine, that the second one would be deleted as a duplicate and not to worry. On XX/XX/XXXX I called Mohela because BOTH the non-duplicate and the duplicate forms were marked as duplicate and not processed! XXXX at Mohela changed the first one to processing again instead of duplicate, but told me there was no way to expedite and that I would have to wait all over again for XXXX business days for it to process even though I had already waited and this was their error! It isn't right to put me at the back of the line, again. I have been waiting almost a year now for forgiveness. I have tried to get a supervisor on the phone and have had to give up waiting on XX/XX/XXXX for over XXXX hours, XX/XX/XXXX for over XXXX hours, and XX/XX/XXXX I was on hold for a supervisor for over XXXX hours ( I have screenshots ). The trainee at MOHELA told me I could email to speak with a supervisor, but I pulled up what she suggested and there was NOWHERE on the site where you could email to request a supervisor call you, in spite of what their actual rep told me. So my complaints are that my forgiveness should be expedited bc this was their error in marking it a duplicate AND that their reps are dishonest ( probably unknowingly ) in telling you to email a supervisor because you literally can't - you can not get XXXX on the phone nor by email.
Product: Checking or savings account

I recieved a transfer of funds from someone for purchase of computer and the funds were fraudulent they froze my account and stated that freeze would be removed when investigation was complete so I was later told needed to close account and open another because funds had been released and now someone different was trying to withdraw funds so money was mine and could get it and deposit it in new acct. went ti bank where branch manager phoned fraud department who stated same thing that funds were mine and 8 could withdraw them and deposit some in new account, which I did and a few days later was told that funds were returned to person claiming that he dud not make deposit and now they claim I am responsible for those funds I don't belive I am responsible for any funds due to fact manager was told same thing that funds were mine to do with as I pleased and that someone not me was trying to withdraw funds and with proper ID could release funds to me and open new acct. with those funds or withdraw them. I was cotacted by the bank I am not at fault for this money it wasrekeased with authorizatuon of bank itself. I had a branch manager whom contacted fraud dept. and was told ok to release funds, due to fact we were both told that funds were mine I was sure it was safe to take money, I would have never taken it and the fraud was perpatrated futher through the mail have documents to prove that the same person tried to continue to defraud me.
Product: Money transfer, virtual currency, or money service

Dear Sir or Madam, I signed up for Okcoin.com and registered for its " {$100.00} XXXX '' promotion, under which participants were promised {$70.00} in XXXX for monthly cryptocurrency purchases of at least {$25.00}, starting between XX/XX/21 and XX/XX/21 and continuing until XX/XX/21. I adhered to the terms of the promotion, making monthly purchases of {$32.00} ( initially with a {$1.00} fee added ) throughout this term. I never received the {$70.00} in XXXX promised, which should have been deposited in my account on XX/XX/21. I have attached the promotion page, an email confirming that I set up the required monthly payments, bank records confirming those payments, and a chat transcript in which the Okcoin agent confirmed that I had adhered to the promotion terms and would receive the payment. 

Sincerely, XXXX XXXX