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

Bank of america added suspected fraud activity on my XXXX and Checking Account Fraud on XXXX XXXXThese reports are false. I agree that Bank of America can close my account for any reason. However, Bank of America is not a court of law or a law enforcement agency, and the court has not entered a judgment against me. Therefore, Bank of America had no right to add these legal judgments to my report that were not based on procedural justice. The only negative report Bank of America had on my credit report caused my investment account to be closed. Over {$60000.00} worth of call options could not be sold. I have suffered a significant financial loss. Bank of America has not compensated me for the money and time I spent on my previous dispute with Bank of America, including attorney 's fees and appeal costs. Bank of America must remove their negative reporting of me on XXXX and XXXX XXXX and compensate me accordingly.
Product: Credit reporting or other personal consumer reports

XXXX ) In CFPB XXXX, XXXX and XXXX, a request was made to set up the Extended Fraud Alert in my file as Extended Fraud Alert XXXX was made by XXXX and Extended Fraud Alert XXXX was made XXXX XXXX and FTC Identity Theft Report XXXX was submitted in each of the complains. But Equifax has not done anything, XXXX ) I received a letter from Equifax on XXXX. It stated that " We have received your request concerning blocking of certain information on your Equifax credit file. '' I have not made such request.
Product: Money transfer, virtual currency, or money service

Paypal closed my account and won't send me the funds in my account.
Product: Credit reporting or other personal consumer reports

I OPEN MY CREDIT REPORT AND I SAW XXXX INQUIRIES THAT WAS NOT BELONG TO ME I BELIEVE IT WAS FRAUDULENT ACTIVITY XXXX ) XXXX XXXX XXXX XXXX ) XXXX XXXX XXXXXXXX XXXX ) XXXX XXXX XXXX XXXX
Product: Debt collection

A collection company has been harassing me over a debt so I called the company and there is no record on file of any debts owed nor of my name in their system of being a resident. I do not owe this debt they are claiming and there is no record of it, but they continue to put it on my credit report. I have been trying to remove it but jo investigation has been done.
Product: Credit reporting, credit repair services, or other personal consumer reports

National credit system has been on my credit for about 4 years now for {$8100.00}, from XX/XX/2018. Even after Ive told the companies countless times I have not ever stepped foot in The woods apartments in XXXX XXXX. Nor have I ever been to XXXX XXXX. I believe this to be a fraudulent account in collections on my account.
Product: Mortgage

Wells Fargo Mortgage on a refi application, charged a ton of fees and did not explain why they took 6 months to decline and my credit score was more than high enough. This is from XXXX or XXXX. Appealed and they still declined without explanation. I want my fees returned.
Product: Credit card or prepaid card

I booked travel via AMEXs travel portal XX/XX/XXXX for {$210.00}. In accordance with their website advertisement of a {$200.00} Annual Travel Credit ( https : //www.americanexpress.com/ca/en/benefits/the-platinum-card/annual-travel-credit.html ). 
I met the Benefit Eligibility ; Basic Platinum Cardmembers As well as met the Terms & Conditions 1. The {$200.00} CAD Annual Travel Credit can only be redeemed at time of booking through American Express Travel Online at XXXX or by calling Platinum Card Travel Service . Travel booking must be charged to your Platinum Card. Account must be in good standing. If you choose to use the Travel Credit, it will be credited to your Card account within 2 business days. Basic Cardmember is entitled to one ( 1 ) Annual Travel Credit each year based on Card membership anniversary date, towards a single travel booking of {$200.00} or more, and will appear on your billing statement as Platinum Annual Travel Credit. If you cancel your travel booking after redeeming the Annual Travel Credit, you will not be able to use it again in the same year. You can only use one Travel Credit per booking.

However, now after having contacted Amex ( XXXX, XXXX, XXXX, XXXX, XXXX ), Im being told over the phone, contrary to their website that the benefit only extends to SELECT Platinum members, not all BASIC platinum members as advertised ( and still advertised ) on their website.
Product: Payday loan, title loan, or personal loan

I emailed company on XX/XX/19 and then I also called and rescinded the wage assignment. I sent an email to the CEO office and also spoke to several representatives to try to reach a settlement for the principle amount of the loan. The amount when I asked for the settlement was XXXX. This would have had the company write off about 200 in interest only. There was a lost of income in my household. So to prevent a long term impact to my credit and finances, I asked to settle the account. I was informed that I had to be at least 61 days behind and that if I made a minimum payment of XXXX that I would stay in a positive balance. This did not make sense as this would also keep the account in a current status. This would also cause more interest to accrue over time. I wanted to settle the account, close the account and avoid negative impact on my credit, and more fees. 

The company refused to work with stating the contract was enforceable. This would benefit the company to continue to accrue more interest and fees over a period of time and impact the consumer in a negative light.
Product: Credit reporting or other personal consumer reports

I have been checking my credit reports since XXXX and for some reason the reports have not been updated and my scores have not been updated. When I login to XXXX, it says, " Sorry, we can't show you today 's report. This might mean that your lenders have different personal info for you than we do. Until this issue is resolved, you won't be able to see your report. '' I am attaching my identifying documents to verify my identity. How can I make XXXX this information is correct?
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX RE : Requesting a Method of Verification Letter Dear Sir/Ma'am : I recently received a response to a dispute ( see attached ) that I made under FCRA 611 ( a ) regarding an erroneous item on my credit report involving a transaction with. I was saddened to learn that you somehow verified the disputed item, electing to leave it on my report.

I am certain that the item I disputed Is Incorrect and should be removed, so I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my dispute.

I am very interested to learn how your investigator ( s ) arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with. Please include all names and contact Information of employees that you spoke to at as part of this investigation.

All previous letters and documents that I sent to you previously are once again attached along correspondence in order to help you process this request.

I am asking for this verification because my credit score is important to me, and I believe it is being unjustly degraded as a result of this unfortunate error. I would therefore request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case need specific answers to the specific questions asked of you in this letter. 
I expect to receive a response within 15 days of receipt of this letter, or I will expect to see the item in question permanently expunged from my record. 
Thank you for your prompt attention to this matter. I very much look forward to getting this rese be. 5 soon as possible. 
Very Respectfully, XXXX XXXX XX/XX/1993 XXXX XXXX XXXX XXXX XXXX XXXX XXXX ny XXXX
Product: Vehicle loan or lease

In accordance with the fair credit Reporting 62 act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 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. Code 1681a - Definitions ; rules of construction - Exclusions.Except as provided in paragraph instructions.

15 U.S. Code 1681a - Definitions ; rules of alre construction - Exclusions. Except as provided in paragraph the term " consumer report '' does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've looked at my report and don't recognize these injuries. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX was only authorized once ). They have like 15 unauthorized inquiries. 
XXXX XXXX XXXX XXXX XXXX XXXX The ones below are unauthorized. I went to a dealership that was supposed to do in house financing. The share my information without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I was supposed to be contacted for Compensation and also reimbursement for mechanical difficulties and finding XXXX and XXXX XXXX in car touched by my childeren someone was supposed to contact me back they did not I reported to my credit card company about issue also tht I was over chrged because I went for ev to gas car on top of ev did not have a charging port as requested also I was givin points and promised a solution did not recieved contact from XXXX now they are saying I have a outstanding balance which is not true I was promised compensation and also reimbursement 1.Mechanical issues 2.over charging 3.leaving contracts open 4.unsanitary /XXXX XXXX XXXX XXXX XXXX XXXX I truly would like to settle these problems amicably however I am ready to take legal action as XXXX consumer law applies to me aswell as everyone else please contact
Product: Mortgage

On my monthly mortgage statement dated XX/XX/year>2024, I observed a notation labeled " Escrow to Mortgagor Disbursement '' in the amount of - {$3900.00}. No accompanying explanation or documentation was provided to clarify this entry. 

After reviewing the statement, I contacted RI Housing and was informed that there were excess funds in my escrow account, and I might receive a check for the amount in question. Per legal requirements, I waited 30 days for the disbursement to occur. However, on my next mortgage statement dated XX/XX/year>2024, I noticed the exact amount of {$3900.00} recorded as a " payment '' back into my escrow account. 

I immediately contacted XXXX XXXXXXXX for clarification and asked the following questions : - Where was the money held for the 29 days between the noted disbursement and its return to my escrow account? 
- Why didnt I receive written documentation regarding the handling of these funds? 
- Why was the disbursement not sent to me as initially suggested, and instead, seemingly disappeared for 29 days before being returned to the escrow account? 

The XXXX XXXXXXXX representative explained that the funds were returned to the escrow account because the amount was substantial, and they needed to investigate its origin. I was informed that a supervisor had to conduct an analysis or investigation before the funds could be released, as it was unclear whether the money rightfully belonged to me. Additionally, I was told the excess amount might be attributable to an error on my part. 

When I followed up with XXXX XXXX on XXXX XXXX, 2024, I was informed that the supervisor responsible for the analysis had been out sick for the past month and had been unable to conduct the necessary investigation. I was assured that the supervisor would return to work on XX/XX/year>2024, to address the issue. I was also told that no laws or policies had been violated during this process and was again reminded that the funds might not belong to me and could potentially result from my own actions.
Product: Student loan

i took out student loans with XXXX XXXX now navient back in the late XXXX to early XXXX due to the fact i was enrolled in college and i wasnt able to get grants so i got in major debt by taking out student loans in order to attend and graduate from the university of XXXX in XXXX since then i have had my loans temporarily placed on hold by forebearance, courtesy holds, and deferments. i dont have the dates or time frames for any of these available but all of this has taken place since XXXX to the present XXXX i am still in major debt to navient formerly XXXX XXXX. navient has never tried to suggest to me to attempt different repayment options and chose to place me on the aforementioned holds whenever i called them thus making my interest to be capitalized throughout the years and thus causing my total that i owe to become even higher and keeping me in perpetual debt to them. and even now or recently i have applied for student loan forgiveness, income driven repayments, etc to only be rejected each time by navient and this is not fair. they are completely unwilling to work with me or help me in my financial situation. the excuse is always my gross income is too much but what they fail to realize is even though my gross income may not  qualify me i have alot of debt from credit cards and other monthly bills that have to be paid that makes it very diffficult to pay each month what navient demands. i l need help here.
Product: Student loan

To whom it XXXX concern, I hope this letter finds you well. I am writing to bring to your immediate attention a pressing matter about my student loan account, which Edfinancial Services manages. I am deeply concerned about the lack of response and the unsettling discrepancy in the payment of {$20000.00} that I have made towards my student loan. 

To provide a clear account of the situation, I wish to highlight the following facts : On XXXX XXXX, a total amount of {$20000.00} was debited from my bank account by Edfinancial Services as a payment towards my student loan. I possess the payment confirmation email sent by your organization as incontrovertible evidence of this transaction. 

However, the disconcerting issue at hand is that this payment, though substantiated by documentary proof, is inexplicably absent from Edfinancial 's records. Moreover, it has come to my attention that Edfinancial Services is unaware of the location of this payment. 

This lack of accountability and transparency in financial transactions is gravely concerning, particularly when it involves government-funded loans designed to support students in pursuing higher education. In a world where financial transactions are conducted with precision and transparency, Edfinancial Services ' failure to acknowledge and properly record a substantial payment is disconcerting and undermines the trust and credibility associated with government-affiliated entities. 

Regrettably, I have discovered that my experience is not an isolated incident. Numerous students have reported facing identical issues with Edfinancial Services, casting a shadow on the reputation of both the United States government and the U.S. Department of Education. 

This is a matter of utmost seriousness, one that requires immediate attention and resolution. I implore you to take this matter with the utmost seriousness it deserves and address it at your earliest convenience. The impact of this issue on students ' financial well-being can not be overstated, and Edfinancial Services must rectify this situation promptly. 

I eagerly anticipate a prompt response and a swift resolution to this matter. Your cooperation and expeditious attention to this issue are greatly appreciated. I can be reached at XXXX if you require further information or clarification. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section XXXX ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.
Product: Checking or savings account

XX/XX/21 is fraud happened XXXX lost money from checking account from Bank of America, XXXX, XXXXXXXX XXXX XXXX  I don't have any account with those organizations.
Product: Debt collection

I responded to the email and notified the debt collector to not contact me at all, because I do not owe this debt. 
They continued to email me and ignore my request for them to stop contacting me.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate information reflected on my credit report. The information appears to violate my rights under the Fair Credit Reporting Act ( FCRA ) and should be removed or corrected promptly. The FCRA mandates that only accurate, complete, and verifiable information be included in credit reports ( 15 U.S.C. 1681e ( b ) ).

1. Incorrect Accounts Several accounts listed on my credit report appear to be inaccurate, incomplete, or outdated. Under FCRA Section 1681i ( a ) ( 1 ), I am entitled to dispute information that I believe to be inaccurate, and the credit reporting agency is required to investigate the disputed information within 30 days. I have reason to believe that the following accounts do not belong to me, contain incorrect data, or should no longer be listed due to age or resolution 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  -Balance : {$0.00} As required under the FCRA, I request that these accounts be thoroughly investigated and either updated or removed from my credit report if found to be inaccurate. 

2. Unwarranted Inquiries I also dispute the following credit inquiries listed on my report. Under FCRA Section 1681b ( c ), credit inquiries must be made with my permission or under circumstances where I have applied for credit. If these inquiries were not authorized by me or do not meet the requirements for a legitimate credit inquiry, they should be removed from my report : 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  Please consider this my formal request for an investigation under the FCRA. If the items mentioned above are not removed or corrected, I will seek further action, including filing complaints with the CFPB and taking legal steps to enforce my rights under the law.
Product: Checking or savings account

I received a welcome email from chime and I never set up a chime account. 

I called the number XXXX and chime wanted my name, date of birth, and social security number in order to close the account. 

I was not giving them any of that information except for my name. 

They refused to close the account.
Product: Credit card or prepaid card

On Tuesday XX/XX/2022 my wallet was stolen from XXXX Texas and multiple transactions were made on multiple cards. All of my other companies ( XXXX, XXXX, XXXX XXXX ) reimbursed the transactions but recently when I was paying bills I noticed the {$600.00} transaction at XXXX XXXX Texas and the {$230.00} transaction at XXXX XXXX Texas were put back on my account. I called back Tuesday XX/XX/XXXX to understand why and the reason discover gave me was Ive already done business with those companies before
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account information below : XXXX XXXX XXXX Balance Owed : {$140.00}
Product: Money transfer, virtual currency, or money service

I am filling a complaint against cash app ( block , Inc ). Due to inadequate customer service and unfair practices, which violates the consumer financial protection act ( CFPA ). Specifically, cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the electronic fund transfer act ( EFTA ) and regulations E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I bought a XXXX on XXXX and finance it with XXXX. In XX/XX/XXXX I got really sick and was out of work for about a year. 
XXXX repossessed the car on XX/XX/XXXX and is reporting the vehicle was repo in XXXX. Also XXXX and the collection agency are both reporting the same information on credit bureaus with XXXX incorrect information. I have challenged them more than a few time but keep on getting the same answer from credit burous that information is accurate especially XXXX XXXX that doesnt help on anything.
Product: Mortgage

XXXX XXXX received notice from my Insurance Company that no payment was received for my policy of {$3900.00} for XXXX. Insurance company sent notification that my policy would be cancelled on XX/XX/XXXX for non-payment. 
Mortgage company withholds from my payment each month in an escrow account money to be paid to taxes and insurance. Mortgage company claimed the check had been mailed XXXX XXXX, XXXX. 
Upon checking with the insurance company they had not receive payment until after XX/XX/XXXX. This happened also in XXXX. 
In XXXX I requested that i pay my taxes and insurance myself and not through my mortgage company. The mortgage company denied my request stating i have 2 homes on the property and could not qualify. Sent proof from the county i do not have 2 homes on said property. Mortgage company still denied me.

My huge concern is that my insurance company will drop me because of late payments. 
I live in CA and this would be disastrous with all the problems getting insurance in CA.
Product: Checking or savings account

We sent correspondence to square inc d/b/a block inc and they have not responded with pertinent information requested Including certified mail item number : XXXX and XXXX dated XX/XX/year> asking for validation. The company did not respond with that information.