23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

In XX/XX/XXXX, Checking, Savings & Credit Card were opened from Bank of America online in my name. Then a cash advance was taken out on the credit card in the amount of {$1400.00} & mailed to my address. B of A states the cash advance was mailed to me because they ( B of A ) detected suspicious activity and closed the checking and savings account so the check/cash advance needed to be mailed since there was no where to deposit the money. I received the check and since I knew I did not open any accounts from B of A I kept the check in my stack of documents I began collecting from B of A and wrote the words " VOID '' across the check. 
I began working with XXXX XXXX XXXX ( XXXX ) and together we called B of A multiple times on different days and at different times and were continually transferred, hung up on, sent to the wrong departments and wasted HOURS of my life that I will never be able to get back. No one could help us so XXXX suggested that I go into a local branch of B of A that they should be able to help me. The only thing that was different was that the Relationship Manager that assisted me ( XX/XX/XXXX ) called and was told that I needed to deposit the cash advance check of {$1400.00} back into the credit card to get anything done. They would not accept my check since the word " VOID '' was written across the check. So B of A had to create another {$1400.00} cash advance check and mail back to me again. I received the check in the mail, went back to the local bank ( XX/XX/XXXX ) and had the same Relationship Mgr. deposit the {$1400.00} check on the credit card account. The Relationship Mgr. called & spoke with someone in the collections department and they stated that the late fees and interest charges along with derogatory marks on my credit should be corrected and this should take place in 2 weeks and I will receive a letter in the mail stating this. Instead of any of this happening I received a letter stating that B of A is " unable to complete your request '' and provided a phone number to call to receive an explanation. I called the number ( XX/XX/XXXX ) and no one can help me and I have derogatory marks on my credit and the fees and interest charges continue to add up. Now B of A has sent my balance due ( XXXX ) to a debt collector ( XX/XX/XXXX ) and they are trying to charge off my debt. 
I have filed a police report, report the information to the FTC and am in the process of also filing a complaint to the XXXX XXXX XXXX.
Product: Credit card

I opened this account in XXXX at {$1000.00}, went up to {$2000.00}, Ive made my minimum payments sometimes the full balance no chargebacks etc. I called Navy federal on XX/XX/XXXX because XXXX and navy federal credit monitoring systems said and account was reported closed on XX/XX/XXXX I checked it it was my cash rewards account. They stated it was closed and determined non renewal on XX/XX/XXXX. My question is why now and what caused for this physical credit card expiring has nothing to do with my account. And it was never stated I would be up for a redetermination for my credit card account nor was I notified about this via mail. The rep on the phone afforded to issue me out a letter on XX/XX/XXXX I declined because this was insane. My children are in this account to help build their credit this was totally wrong.Also they made my payment look late when it was due XX/XX/XXXX and I made a payment thats not showing online but I have proof in my email of the payment and its not past due
Product: Credit card or prepaid card

I have a Capital One Credit Card ( XXXX ) in which they offer Cash Rewards every time you spend and pay. At one point during the pandemic we could not make a payment since I did not have a job, they did call me and inform that my Credit Card will be froze due to non payment despite me complaining that I am jobless. However, today I am fine and I paid the minimum and promised them we will start paying. They told me on a recorded line that once the payment is posted {$110.00} we can then use our CASH REWARDS that we earned towards the amount we owe, but that is not the case. Now when I called them back after payment successfully posted they said that we are not able to use since account has been frozen. We do not want to use the credit card but want our cash reward which we earned fairly. 

Amount in cash rewards {$150.00} Last posted successful payment {$110.00} I was told on a recorded line by ( 2 ) capital one agents, one by collections and other by rewards program department that we can redeem cash back on XX/XX/2021.
Product: Credit reporting, credit repair services, or other personal consumer reports

Just checked my credit score and have noticed a collection company XXXX XXXX XXXX has a very old debt listed as only 2 years 7 months old. This debt was back in 2012 and with XXXX over my phone bill, they could not get me a signal where i lived and i called several times to fix this, trting to cancel my contract etc. Only for them to keep charging me {$300.00} + a month for a service they was not providing. There are records of the dispute and i dont feel like i ahould ve responsiblenpaying for such a horrible service especially after trying to cancel the contract.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and XXXX 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 below : XXXX XXXX Balance : {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX  XXXX XXXXBalance {$1800.00} XXXXXXXX XXXXBalance {$36000.00} XXXX XXXX Balance {$0.00}
Product: Credit card or prepaid card

My fees and interest charges are higher than I expected and I was not informed on this interest rate. Ive accrued over thousands in fees, after being a loyal member for 5 years. It's never been this hard to pay off 1 credit card before.
Product: Credit reporting, credit repair services, or other personal consumer reports

Subject : Complaint Regarding Identity Theft and Fraudulent Account Account Number # XXXX Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding an incident of identity theft and a fraudulent account that has been opened in my name. I believe this incident is a clear violation of consumer rights, and I request your assistance in resolving this matter. 

In XX/XX/2017, I received notification from XXXX, a major credit reporting agency, stating that I was a victim of their criminal cyberattack that occurred in XX/XX/2017. It was revealed that unauthorized individuals had gained access to my personal information, including my name, Social Security number, birth date, address, and potentially other sensitive details such as driver 's license and credit card numbers. 

As a result of this breach, my identity was stolen and subsequently used to open a fraudulent account with XXXX XXXX XXXX I have never had any association with this financial institution, and I can confirm that the account in question does not belong to me. 

The impact of this identity theft has been significant and has taken a toll on my overall well-being. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  that I have experienced as a direct result of this incident required me to seek medical treatment. I believe that XXXX 's negligence in safeguarding my personal information and their failure to prevent unauthorized access to their systems have caused me substantial harm. 

I have taken immediate action to mitigate the situation by contacting XXXX XXXX XXXX  directly to inform them of the fraudulent account. However, I am now turning to the Consumer Financial Protection Bureau for further assistance in resolving this matter and seeking appropriate remedies for the damages I have suffered. 

I kindly request that you investigate this case thoroughly and take appropriate action against XXXX for their failure to protect consumers ' personal information. Additionally, I urge you to support me in resolving the fraudulent account with XXXX XXXX XXXX  promptly and ensuring that any negative impact on my credit history is rectified. 

Enclosed with this letter, please find supporting documentation, including copies of relevant correspondence and any other evidence that can aid in the investigation and resolution of this matter. 

I appreciate your attention to this complaint and your commitment to upholding consumer rights. I look forward to a prompt response and a favorable resolution to this distressing situation. If you require any further information or clarification, please do not hesitate to contact me. 

Thank you for your time and assistance. 

Sincerely, XXXX XXXX
Product: Student loan

I have consistently called them trying to make a payment I could afford. They gave me no options at all to repay this loan other than putting it off over and over again. {$1000.00} a month is an insane amount. I had just had a baby and explained I could not afford that. I called them several times a month which they have in their system. No one helped me or gave me options. Please listen to our conversations if you could. I investigated myself and read that I could do a plan which starts low and goes up higher over time. I decided to do this and told the representative and they were not eager to provide this plan. Again gave me all different information on payments everytime you call its one amount and you get a bill for another. Please again listen to the conversation verses the bills they sent. They dont match which is why I had to keep on calling. So I ask why this keeps happening. They say its an estimate. So your making me agree over the phone to pay an estimated price then you bill me another? After agreeing to yet another payment plan they sent me several bills with different amounts. So I call again. They say the system is backlogged and to ignore them. I was to start paying in XX/XX/XXXXstill no corrected bill of what I will actually pay. Lack of information on the phone. They put several over 120 day late notices on my credit report and now I am having trouble obtaining loans and credit cards due to their incompetence. I have wrote to their credit department to have it removed and they will not remove it because they are in the wrong. Please help me to remove these reports.
Product: Credit reporting or other personal consumer reports

I have encountered the following issues with the loan servicer : 1. Incorrect Delinquency Reporting : Despite consistently making my payments on time, XXXX XXXX XXXX has incorrectly reported my account as delinquent to the credit bureaus. This has caused significant harm to my credit score and caused unnecessary distress. I have reviewed my payment records, and I am certain that all payments were made as agreed. 

2. Ignoring Point of Contact : I have made multiple attempts to reach XXXX XXXX XXXX through the designated point of contact, which was provided to me by their customer service. However, my inquiries have either been ignored or left unanswered, causing further frustration and confusion regarding the status of my account. 

XXXX. Failure to Update Account Information : Despite reaching out to Capital Good Fund to correct the erroneous delinquency reporting and requesting an update to my account information, they have failed to make any changes or provide a satisfactory resolution. I have not received any confirmation that the issue is being addressed or that the inaccurate reporting will be corrected. 

I request that the CFPB assist in resolving the following : 1. Immediate correction of the inaccurate delinquency reporting on my credit report.

2. A review of my account to ensure that it accurately reflects my payment history.

3. Contact from XXXX XXXX XXXX to address these issues and provide a resolution, such as compensation for the intentional damaged caused.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX  OPM data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
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: Checking or savings account

On XX/XX/2022, I called my bank to place a claim due to transactions happening without my approval they gave me a claim number, issued me a new card told me they will look into all the transactions give them 10 days any issues will be credit to my account, all transactions in total was {$1100.00} I call them today XX/XX/XXXX to get an update on the claim and I was told the claim has been denied I asked why the representative couldnt give me an answer. I work hard for my money and for me to see that it was fraud activity with my account and the bank isnt helping me I feel hopeless. My card was stolen when I was in the XXXX XXXX XXXX  XXXX, not sure who took the card since people was in and out of the room.
Product: Credit reporting or other personal consumer reports

I recently viewed my credit and noticed several alarming unauthorized hard inquiries on my credit file that I did not authorize. 

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: Checking or savings account

To whom it may concern, I had gone thru a drive thru bank Well 's Fargo bank, In XXXX MN XXXX XXXX XXXX XXXX. on XX/XX/XXXX at Approximately XXXX PM I was trying to with drawl {$25.00} out of my daughter 's account I'am on her account I opened back in XXXX a college saving 's I had my driver licence just did not have my debit card on me that day. I was never questioned the middle age woman even before we started the transaction conversation, she seemed really rude impatient and high anxiety, mind you I have been to this bank several times before, to take care of banking business, I never had this problem before. The XXXX XXXX XXXX MN never questioned me. She said she didn't see my account at all I have a savings account separate from my daughter and my husband and I have savings at Well 's Fargo! The woman is a XXXX XXXX XXXX  teller, she also asked me, do I have a phone number to give to her while in the drive thru! That is personal information, I asked her can I speak to her manager, she said she was Unavailable and I could see her in her office so she mention that she will show her my driver license, i believe it took more Then XXXX minutes to take care of a simple drawl, transaction I also had a XXXX XXXX XXXX. I was finally able to with drawl {$25.00} out ... after all that I tried calling when I returned home no answer the next day no answer later on some one answer at that bank he said he will passed the message to Manager, I never receive a call back, until I call a couple day 's later and spoke to a XXXX XXXX she apologized, I asked her to email me. and felt bad of what had happened, and said she will speak to her appreciate I don't feel that was enough I tried to call the head quarter 's no one will answer the phone. I just felt like why would she treat me like that as a customer to myself? I have been banking with them since XXXX.
Product: Credit reporting or other personal consumer reports

I've reviewed my consumer reports and noticed that I had four late payments on XXXXXXXX XXXX  Account that I was never late. 
following accounts on the following date ( s ) : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX It is my understanding that per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report. Payment history and the late payments associated with payment history negatively impacts my consumer report and are considered as part of my transactions and experiences between your company and me.

Furthermore, I am requesting that you provide me with, in writing, the reasonable procedures ( according to 15 USC 1666 ( b ) ) that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date. Include also, all the information required by Section 1637 ( b ) of Title 15.

If proof can't be provided I demand these payments be updated as paid as agreed on time as they should be due to the fact I was never late.
Product: Credit reporting or other personal consumer reports

I recently submitted a complaint on Equifax in regards to inaccurate and incomplete information on my credit report. I even uploaded the dispute together with 2 forms of identification. They claim that I did not identify myself by providing 2 forms of ID so they can not conduct the investigation. I did in fact send them a copy of 2 forms of ID. Here 's the complaint number XXXX. I still have not received the investigation results in the mail and it has been more than 30 days since the dispute and complaint. I demand to be sent the results immediately.
Product: Credit reporting

I asked XXXX to investigate the information regarding XXXX XXXX Credit Union. The CRA swears that the information is valid and refuses to invesitigate when I know for I fact the account is over years old. I got approved for a loan with XXXX in XXXX and the XXXX reported deliquency was in XXXX. The CRA has down XXXX. While XXXX was the date the car was repossessed. So how can that be?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX The term consumer report as defined by 15 USC 1681 ( a ) ( d ) does not include any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device and the reporting of this inquiry violates this. 15 U.SC 1681b - permissible purposes of consumer reports ( a ) in general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates I, XXXX XXXX, never gave you any written consent to include any of this information to my consumer report, neither did I give your company any consent to furnish nor communicate any of this information to any person, third party, or affiliate so your company is actively violating my rights under the FCRA. As a consumer my specified remedy for these injuries is : The deletion of the following inquiries listed below. 

XXXX Inquiry : XXXX XXXX, XXXX  As a consumer by law these inquiries on this letter must be deleted immediately.
Product: Student loan

I applied to the new XXXX repayment plan in XXXX of XXXX. I contacted Nelnet in XXXX after receiving a giant bill to repay my loans and after waiting on hold for over XXXX hours they answered the phone. I was told my application was under review and I would need to wait for a request of XXXX dollar payment to change plans. The woman told me they would send the email by early XXXX at the latest. I told her the bill shows I owe a massive payment that I can not afford. She said well you dont actually owe that we just have to process your application. I told her legally it shows I do owe that, and you could ruin my credit or worse by sending me bills prematurely. She assured me that I didnt owe that amount and I would have my application completed promptly. I havent received any information or emails from since then and I can not get anyone to answer the phone for days. This is beyond unacceptable. No one has XXXX hours to wait on hold. This is predatory and should be investigated. How could the federal govt select this terrible company to take over student loan debt?
Product: Credit reporting

I still do no understand how EQ keeps coming to the conclusion that these public records need to stay on my credit report for 7 years when XXXX and XXXX have deleted both of them! What laws and rules do they use that bring them to this conclusion? Their dispute results say that they " verified '' this information with the courts, but when I emailed the court in regards to CRA reporting, they do NOT handle any of this at the court level. So who are they " verifying '' this information with? You claimed that you verified this and told me to contact the furnisher. You claim that the court furnished and verified the information. I did as instructed and they informed me that they neither furnished the information nor verified the information. They are the only ones qualified to make a verification regarding this alleged public records and they did not verify. You are allowing slander on my credit report. Verification according to XXXX Law Dictionary is ... averment that the party pleading is ready to establish the truth of what he has set forth ... .the examination of a writing for purpose of ascertaining the truth ; or a certificate or affidavit that it is true. So this means verifying information is sworn testimony and must be first hand knowledge. A clerk of courts , county recorder or XXXX XXXX does n't have firsthand knowledge. If someone verifies but does n't have firsthand knowledge then its not verification, its hearsay and hearsay is inadmissible and the court says is incompetent. Reference FRCA 603 ( o ) ( 5 ) ( A ) ( i ; iii ) The court and all entities such as the recorders office have not been given authorization by me, nor was there a court order to verify to furnish any information my credit report. What you are doing seems very illegal and shady. You should be trying to help a consumer who is working so hard to repair their credit!
Product: Debt collection

Account Name : CREDENCE RESOURCE MANA XXXX Original Creditor : XXXX Open Date : XX/XX/2018 ( For Creditor ) Balance : {$1500.00} Debt : {$1500.00} Contact Info : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX The Bankruptcy Court in XXXX, New Jersey granted my request to dismissed my chapter XXXX bankruptcy case. On XX/XX/XXXX the dismissal was filed with the court. 
Since then, the three credit bureaus ( XXXX, XXXX, Trans Union ) has continue to keep this record on my credit report. This has been causing me and my family prejudice and damages over the years. 
The filing was voluntarily withdrawn by myself and dismissed by the court. Therefore, it was never a bankruptcy and should not be adversely affecting my credit report. This item should not be allowed to cause me and my family prejudicial damage. This is in violation of the Fair Credit Reporting act.