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

Consumer Financial Protection Bureau ( CFPB ) Complaint Submission Complainant : XXXX XXXX XXXX XXXX : XXXX XXXX  Date : XXXX Subject : Disputed Credit Card Account Closure and Inaccurate Credit Reporting by XXXX XXXX  Dear Sir/Madam , I am writing to lodge a formal complaint against XXXX XXXX regarding a disputed credit card account and subsequent inaccurate reporting to credit bureaus. 

Account Details : Originally, I held a secured credit card account with XXXX XXXX, with a credit limit of {$5000.00}. 
Subsequently, I transitioned to using a debit card provided by XXXX XXXX. 
XXXX XXXX  claims that I was moved from a secured to an unsecured credit card, which I contest. I have been using only a debit card. 
Issues and Concerns : Lack of Information and Access : After XXXXXXXX XXXX XXXX  alleged transition of my account from secured to unsecured, I was not provided with any documentation or access to account information. This lack of communication and transparency is unacceptable. 

False Allegations and Closure of Account : XXXX XXXX  has inaccurately stated that I closed the credit account, which is untrue. The account was closed by the bank itself following regulatory actions by the U.S. Federal Government. Despite this, XXXX XXXX  has falsely reported to credit bureaus that I defaulted on the account. 

Inaccurate Credit Reporting : XXXX XXXX  has reported a default on this disputed account to credit bureaus XXXX months after they were shut down by the U.S. Federal Government. This erroneous reporting is damaging my credit score unjustly. 

Inadequate Customer Service : Efforts to contact XXXX XXXX  for clarification and resolution have been futile. The contact number provided connects to an individual with limited XXXX proficiency, offering no assistance or access to relevant information. 

Questionable Business Practices : XXXX XXXX  operated as an app-based banking service, akin to XXXX and XXXX XXXX, primarily used for social media transactions. The nature of their business and the subsequent federal closure raise serious concerns about their operational integrity. 

Request for Resolution : I seek immediate correction of the false credit reporting by XXXX XXXX. 
I demand a formal acknowledgment and evidence regarding the alleged transition from a secured to an unsecured credit card, which I dispute. 
I request a thorough investigation into the practices and customer communication protocols of XXXX XXXX. 
The impact of XXXX XXXX XXXX actions on my financial standing is significant and distressing. I am seeking the CFPB 's intervention to rectify these inaccuracies and hold XXXX XXXX  accountable for their misleading and damaging conduct. 

Thank you for your attention to this matter. I am willing to provide any further information or documentation as required. 

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

I sent a letter regarding inaccurate and misleading things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you caused in my life. My Information was also impacted by the EQUIFAX data breach and may have got into the hands of the wrong person .... In the recent investigation brought upon EQUIFAX, I found that my consumer file is being irresponsibly tampered with. Over the past 6-12 months I made several attempts remind them of there duty pursuant 15 USC 1681 . I feel they are intentionally and willfully being neglectful in my request. 15 USC 1681e ( b ) assures that I am due, promised accuracy in my consumer report based on Federal law. This is another attempt to have these errors corrected. 15 USC 1681i ( A.5 ) states after the reinvestigations all of the unverified information must be promptly removed and blocked.
Product: Credit reporting

Disputed aged out account showing last payment date XXXX/XXXX/06 ; and duplicate reporting by XXXX XXXX XXXX, showing Open Credit.
Product: Credit reporting or other personal consumer reports

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 U.S.C 1681 ( e ) ( b ). And according to 15 U.S.C 1681 i5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information. ( A ) in general if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer an item of the information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate base on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. And according to a 15 U.S.C I have 1681 s-2 they are suppose to 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 inaccurate Experian Information Solutions Inc . 

XXXX XXXX XXXX XXXX XXXX  HAS VIOLATED MY RIGHTS
Product: Credit reporting, credit repair services, or other personal consumer reports

Greetings, I feel there's some unfair business going on with all three credit bureaus. I have being fighting for an investigation of my entire credit report for over 8 months now without a resolution. Only a decrease in my credit score about 5 times with 14 accounts in good standing. This is unfair and I am seeking a through investigation. Something isn't right ... .The calculations are wrong and unfair. This situation is causing major distress in my life, delays, and XXXX. The fact that my voice isn't being heard is even more mind babbling. I've contact all three bureaus and all they want to do is argue with you and refuse to help you even if you're stressing your rights by the fair credit acts. They do not care and it's unfair. I reached out to a credit specialist and they explained to me that I have 14 accounts in good standing and 5 accounts that's closed and reporting old information. The bureaus will not delete these accounts nor give me credit for the 14 current accounts in good standing, so my score stayed in the 500 's. I would like an investigation please. My score dropped 74pts in a week and it already dropped a week before that. A collection was deleted then placed back on my credit report ... .This is totally UNFAIR!!!!
Product: Credit reporting or other personal consumer reports

I am writing to dispute several accounts on my credit report that were opened fraudulently in my name. Under 15 U.S.C. 1681c-2, I request the immediate blocking and removal of these fraudulent accounts from my credit report. These accounts were opened without my authorization, and I have never given written permission for them to be reported, as required by 15 U.S.C. 1681 ( a ) ( 2 ).

Enclosed are copies of my FTC Identity Theft Report and the police report filed in connection with this identity theft. The specific fraudulent accounts are as follows XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX In accordance with 15 U.S.C. 1681c-2, please block these accounts from my credit report within four business days and provide written confirmation of their removal. Additionally, I have frozen my credit profile to prevent further unauthorized activity.

Thank you for your prompt attention to this matter. I look forward to your response.
Product: Checking or savings account

I had XXXX dollars balance. Prior i deposited a check of XXXX dollars, when i deposited it stated that they will only post XXXX dollars and that is exactly they did. They updated my balance with only XXXX dollars. Where is the difference XXXX dollars? Where did it go?
Product: Mortgage

Mailed in payment to mortgage company was not cashed. Nationstar Mortgage loan # XXXX Called and had check stop issued and did payment over phone so not late then mortgage company sumitted check to bank XXXX days later. Billed us {$14.00} for NSF fee I called and said our payment was made earlier by phone please remove fee. They said that they would do. Because we send more than payment we have extra put on principle. Received XX/XX/XXXX statement and in stead of putting it on principle they listed it as Adj Forbearance Suspense crediting it and then debiting it. Then I have a Property Inspection listed with a charge of {$14.00}.
Product: Credit card or prepaid card

On XX/XX/2022 I was charged fraudulently by a XXXX XXXX to XXXX  XXXX XXXX for {$2000.00}. I have never used XXXX XXXX before and did not know it existed until someone tried charging my account with it on my Wells Fargo checking account. I only had {$360.00} in the account and the rest got charged to my credit card with overdraft protection. Thankfully my account had a credit limit of {$3000.00} because when I called the fraud department on the XXXX when I realized what had happened they had told me they tried to charge two additional XXXX XXXX money transfers to Bank XXXX XXXX of {$990.00}. 

I have called Wells Fargo 's fraud department twice since then. The first time I called the claims department person told me my computer or phone was compromised and to wipe everything off of both it which I did. Apparently for no reason now. a week from that they told me that I don't have enough evidence to prove the fraud claim. I have no idea how my account could have been compromised outside of a phishing email I had problems with that previous month in the middle of XXXX ( I don't remember the exact date, but I got a new credit card the moment I exited the phishing scam and realized what had just happened ). 

I did everything they told me to do regarding my account when the phishing scheme happened ( which only compromised my XXXX account which had the same email I use for my bank. They didn't think it necessary to change my email ) and thought it was taken care of, but it clearly was not. I have since changed every possible piece of personal info on my account that can be changed ( username, password, email, etc. ) and have added text notifications to my phone for anytime any charge on my account happens so I can be swifter about problems in the future, and I have added 2-step verification to my account as well to ensure no one outside of myself can use my account. 

I'm hopeful that by doing this I will have this nightmare taken care of for me, but just in case it doesn't I have also filed a police report on the matter.
Product: Student loan

I have a fixed principal student loan with a fixed interest rate and a fixed monthly due date. I have made every payment prior to the due date. I have never been late and never incurred any fees or penalties. Nelnet sent me a notice that my monthly payment is increasing because my loan has been " re-disclosed. '' They say I have not paid a sufficient amount toward the principal because of the way Nelnet has applied my payments. How can Nelnet short pay my principal due if I have been early with every single payment? If they are insufficiently applying my payments to principal as per the agreed upon loan schedule, that is their poor accounting. 

I have written to Nelnet via their website with no response. They say it takes 5 business days to respond. It has been over 10 days. 

I have written Nelnet again directly by e-mail and they have not responded. 

Customer service on the phone knows nothing other than my loan has been " re-disclosed. '' If they scam me for $ XXXX, $ XXXX, that is {>= $1,000,000} in annual fraud based upon only XXXX XXXX loans serviced. That does n't account for the XXXX of accounts they say they service and it does n't adjust for any future improper re-disclosures they may decide to invoke. Re-disclosure on a timely paid account is a scam and a fraud. Please help.
Product: Mortgage

I inquired with interest in their services. Someone reached out. I uploaded personal documents to an application 12 days ago. I haven't heard from them or received a loan estimate.
Product: Credit card

Dear XXXX XXXX XXXX, I am writing to express my extreme dissatisfaction with the recent events concerning my credit card account with your company. Despite previous assurances that a {$190.00} interest charge would be removed from my account since I paid the balance to zero, I am dismayed to find that the charge still remains. I remind you that charging interest on a {$0.00} balance is illegal and unacceptable. 

Furthermore, I am deeply concerned about unauthorized charges that have appeared on my account. Despite freezing my card and canceling subscriptions with XXXX XXXX, you company " authorized '' a {$50.00} charge that I did not authorize have to go through. In addition, your card company also " authorized '' a {$15.00} charge from XXXX XXXX that I did not authorize. It is evident that your company is allowing charges without proper authorization, while my card is frozen, which is both unethical and potentially illegal. 

I want to emphasize that you have never had my permission to authorize XXXX XXXX  and XXXX XXXX or any other charges on my behalf. My card is frozen and I am considering closing my account as a reseult of your illegal predatory practices. These unauthorized charges not only violate my trust but also cause significant harm, compounded by your high interest rates and fees. 

Please be informed that I am currently in the process of acquiring legal representation to pursue a lawsuit against your company for these unauthorized charges, as well as the failure to remove the interest charge as promised. I am prepared to take all necessary legal action to rectify these issues and ensure that my rights as a consumer are protected. 

I demand immediate action to rectify the situation, including the removal of ALL charges currently on my card, including the {$190.00} interest charge, the reversal of all unauthorized charges, and an explanation for the negligence in allowing unauthorized transactions to occur. Additionally, I expect compensation for the inconvenience and financial harm caused by these actions. The balance on my card should be {$0.00}. I have not used my card since paying it off last week AND I froze the card so it could not be used, and yet you still are charging me fees, etc. 

I urge you to take this matter seriously and address it promptly to avoid further escalation. Failure to do so will result in legal action being taken against your company. 

I expect a response within 24 hours confirming the resolution of these issues. Failure to respond or adequately address my concerns will leave me with no choice but to proceed with legal action. 

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

From XXXX - XXXX, I have CONTINUOUSLY BEEN A VICTIM OF IDENTITY THEFT I have reported this to all three Credit bureaus on a number of occasions XXXX  XXXX Experian To date I still have 4 Fraudulent accounts listed on my credit report 1 ) XXXX XXXX 2 ) XXXX XXXX 2 accounts 3 ) XXXX XXXX XXXX In addition, these account and other fraudulent accounts or attempted accounts have created Fraudulent Inquiries which also MUST BE REMOVED 1 ) XXXX XXXX XXXX 2 ) XXXX. ( 2 Inquiries ) 3 ) XXXX XXXX ( 2 Inquiries ) 4 ) XXXX 5 ) XXXX. ( 2 Inquiries ) 6 ) XXXX XXXX XXXX ) XXXX. ( 2 Inquiries ) 8 ) XXXX XXXX 9 ) XXXX 10 ) XXXX XXXX 11 ) XXXX XXXX 12 ) XXXX XXXX 13 ) XXXX XXXX  14 ) XXXX XXXX 15 ) XXXX XXXX 16 ) XXXX XXXX 17 ) XXXX  XXXX 18 ) XXXX XXXX XXXX 19 ) XXXX XXXX 20 ) XXXX 21 ) XXXX XXXX 22 ) XXXX XXXX XXXX XXXX 23 ) XXXX XXXX 24 ) XXXX XXXX. 2 Inquiries ) 25 ) XXXX XXXX 26 ) XXXX XXXX These fraudulent accounts and inquires are Incorrect and Misleading and by federal law MUST be removed from my credit report immediately
Product: Mortgage

Names on the mortgage XXXX XXXX and XXXX XXXX. We were approved for the homeowners assistance funds since XX/XX/XXXX. XXXX adviced us the payment was sent since XX/XX/XXXX. My mortgage company still havent apply the payment. Now we are past due with a late fee.
Product: Checking or savings account

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX ( XXXX ) XXXX Ref. Account No : XXXX On XX/XX/2022 I submitted a transaction dispute with Cash App that involved 3 separate transactions. On XX/XX/2022 I filed a complaint with the Consumer Financial Protection Bureau, Complaint No : XXXX. The disputes are still active despite contacting Cash App support multiple times. To my knowledge there has been no progress made towards resolving the disputes. 

Respectfully, XXXX XXXX
Product: Checking or savings account

I contacted Bank of America a few times about this same issue. ( Actually even the Risk Closure Department ) So almost a year ago i experienced identity theft when my wallet was stolen. I had not known at that time that there was a checking account opened in my name by Bank of America. I just now have attempted to open a checking account. After speaking to one of the nice kind bankers over there she transferred me to Risk Closure, after trying to open an account after being told from the banker that i am not able to open an account due to banking history with Bank of America. When i further asked why and explained to the phone banker that i have never opened these accounts with Bank of America. She sent me to Risk Closure. Risk closure said my accounts were closed, i advised them that i have never opened an account with Bank of America in my life, and that i just now have been trying as of this week. The rep said that my accounts were closed due to me being a risk to the bank. We got into further detail and i told the Risk Closuee person, that is a mistake because i have never opened an account with Bank of America. The Risk Closure person then transferred me to Check Fraud. Which filed a claim. Yet it appears these accounts are still listed under my name, even though i was told from the Phone banker these were opened online. When we discussed that i didn't open these she stated to file identity theft, which i have already done so with the FTC. i want to be able to eventually bank with Bank of America but it appears someone has tarnished my name with them by opening an account and using it fraudulently. Which i was not aware of until just recently. I wouldnt have ever done any risky behavior. Had I known sooner I would have advised them. My email was also hacked and I found that out as well. No one assists me at Bank of America. I never heard back from Check Fraud either. The risk closure department stated Check Fraud has to advise them to remove the closure notes. Which has yet to be done.
Product: Student loan

I was using the suggested deferment options and when I lost my job I called to tell them. They told me to use another deferment and I said yes. Thy dint tell me that the papers where going to come by mail and they sent them to a wrong address and the deferment don't go in to action. Now I have two late payments in 11 different accounts from them and my credit is in bad shape because of that. I have called and they just don't want to hear or help.I think this a horrible thing to do to young students.

What can I do?

Thanks
Product: Checking or savings account

On XX/XX/2018 at around XXXX to about XXXX I got a text from Chase Bank asking if I had recently made a purchase for the amount of {$620.00} at XXXX. After texting no to the automatic text, I checked my bank account and saw that they did not only make one transactions but they made about 8 transactions that came out to be {$1900.00}. I still had my card with me, I did not lose it. I think someone skimmed my card, and made a duplicate card and was able to get my pin number. I immediately contacted my bank, and that they reassured me that I would be getting my money back after 5 days. A couple of days pass, no updates. I tried calling again, and they told me that they are still investigating and that I should be expecting the refund soon. Sure enough, I did. Now, after about 2 weeks, I thought everything was going well. Last night XX/XX/2018 almost a month later, they reversed the money back without any noticed. I then called them, and they basically told me that since my pin number was used and they got cash back, there is basically nothing they can do, so they closed my case. I am very upset that Chase is not willing to do further investigations so I am contacting you guys for help. I am currently a full time student, so the money lost is very important to me. Please help me get the money back because apparently Chase is not willing to do further investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX Balance : {$1300.00}
Product: Credit reporting or other personal consumer reports

I have reviewed my report recently. There were names and addresses on it that are incorrect - spelling errors or just plain wrong from my credit report, as allowed by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i and the Metro 2 credit reporting guidelines. It has come to my attention that the following information on my credit report is incorrect : PLEASE FIX EVERYTHING IN MY PERSONAL INFORMATION THAT IS NOT THE FOLLOWING : 1. PLEASE UPDATE MY NAME TO : ( first_ name : XXXX ) ( last_name : XXXX ) 2. PLEASE UPDATE MY ADDRESS TO : ( XXXX XXXX XXXX, XXXX, GA XXXX ) 3. MY ONLY SOCIAL SECURITY NUMBER : ( XXXX ) 4. MY ONLY AND CORRECT DATE OF BIRTH : ( XX/XX/year>XXXX  ) I DO NOT WISH TO HAVE MY PHONE NUMBER LISTED ON MY REPORT. 

Moreover, I request the removal of any other personal information currently listed on my credit report that is inaccurate and does not pertain to me. Specifically, I demand the removal of all other addresses from my report, as they are not deliverable to me by the U.S. Post Office and are not reportable under the FCRA due to their inaccuracy. 
I have attached a copy of my identification card and a recent ( bank statement/utility bill/ID ) for verification purposes, as required by the FCRA. 

Under FCRA Section 611 ( a ) ( 1 ) ( A ), I am entitled to a free copy of my credit report once you have completed the necessary updates. Kindly provide me with an updated credit report, so that I may verify its accuracy. 

As the FCRA stipulates, if you are unable to complete the investigation within the 30-day timeframe, you must remove the disputed information from my credit report. Additionally, I would like to remind you that under the FCRA, 15 U.S.C 1681i ( a ) ( 5 ) ( A ), you are required to notify me of the results of the investigation within five business days after it is completed. 

Thank you for your assistance in resolving this dispute. I look forward to receiving an updated credit report from your agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no knowledge of this information, nor did I consent to any of it