23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On my payday over XXXX ago I went shopping to a store with my daughter, to my knowledge money was in my account due to my payroll being directly deposited into it on a weekly basis, and saving up as well. When I get to the checkout point as I provide my card and press my pin my transactions were being declined. So on the XXXX try my card becomes blocked. I call the Fifth Third Bank in XXXX, Ohio while still at the store, as soon as I explain my situation on the call the representative who takes my call replies " oouuu you have fraud and Identity theft on your account, the account was overdrawn and someone inside the bank ( employee ) opened a new savings account as well in your name ''. Bank then decides to help me via investigation, closing the accounts in person and after a while returning my money. But while all this was happening a few days later my XXXX XXXX that was on a XXXX lease gets repossessed for non-payment ( Due to unknowingly insufficient funds in the account when payment was to be processed ). I was so trusting my money in this bank that I wouldn't verify anything ( definitely a learning lesson for me ). When I called today XX/XX/year> ( yrs later ) the automated service stated me to enter my account number ( which I didn't have ) or SSN ( I used for access ) and pin, when I did this it all went through, automated service gave me details of my account which none should've been open and said that my card was locked due to too many incorrect pin attempts. I'm very upset seems that even going to the branch yrs ago and closing my account in person it wasn't done properly and I also wasn't able to get a letter stating I had identity theft so I can mail out to my creditors as well. Today when I spoke to the bank representative XXXX over the phone, I explained I needed that letter from the bank, and he said all I can get from them is that my account was closed. I know that letter will never be accepted by creditors, what they want is identity theft proof and I need help. I just updated my mailing address on file with the bank as well and was told I needed to wait 14 days in order for my address to be updated and to call back again to get only an account closure letter. They have been doing this to me for many yrs and going into the Branch I was denied one as well. I'm tired of the runaround and lies instead of helping their customers and be responsible when things like this occur. I want to dispute items in my credit and can't even do that. Please help me find a solution, it will be greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Creditors negligence ( Chase ) led to a late payment, and then they decided to ruin my credit : In or around XX/XX/2018, I had 2 credit cards  with Chase and had only been actively using 1 of them. I was logging into their website that consolidates Chase accounts, making multiple payments per month and checking my balance frequently because I used my credit card heavily. 

On or around XX/XX/2018, my credit monitoring agency sent me an alert referencing Chase. I checked online, saw nothing unusual, and I then called Chase who authenticated my identity, opened up my profile and told me that my account was in good standing and to ignore the alert. 

2 months later, I learned that the alert was due to a recurring charge posted to my inactive credit card I was not using, and that it was now 90 days past due. I called chase again and paid the {$90.00} amount. I also explained to them that when I called earlier they had specifically told me to ignore it, that there must be a mistake, and I was in good standing- when actually that information was incorrect ( they recorded this conversation ). I also stated that when I go online, the card in questions was not being shown on the web dashboard that showed my other credit card and mortgage. I then asked that they clear up their mistake- they rudely said no. 

Given that this was a business credit card, and given that Chase never reported to the credit bureaus when I did pay this card on time, I was shocked when they made the decision to report it as 90 days late thus decidingly crushing my credit score.
Product: Checking or savings account

onXX/XX/XXXX i deposited a business check into personal account by mistake with the moble app and huntington locked my account, they wont let me have access to any funds in the account before the check was deposited. i done a chat with a bank rep on the web site and asked if i bring in county business license, state tax id, city business license will that unblock my account and was told yes. i printed out the chat and took it with me to huntington bank location ( XXXX XXXX XXXX, XXXX, KY XXXX ) and talked to XXXX i was told the paperwork i brought in was no good as the county and city license was not this years, wouldnt take state tax id i been using since XXXX. i went back next day with current county license and a receipt of city license stamped with citys name and stated business use license until original is mailed to me, again refused tax id and city license. 

the letter huntington sent me said only a 7 day hold on the check and its past that now i dont see what else they would want to prove its my business check i told them i have tax id , county license, cbi number, ein
Product: Credit reporting or other personal consumer reports

I am writing to formally express my dissatisfaction and file a complaint regarding the recent attempt to remove fraudulent items from my account. I believe that the process undertaken to rectify the situation has been unsatisfactory and warrants further attention. 

I discovered unauthorized and fraudulent transactions on my account issued by your institution. Immediately, I contacted your customer service department to report the fraudulent activities and requested assistance in removing these unauthorized charges. 

While I appreciate the initial responsiveness of your customer service representatives, the subsequent actions taken to address the issue have been inadequate. I expected a swift and effective resolution, but the process has been marred by inefficient procedures. 

Additionally, I am concerned about the lack of transparency in the communication throughout this ordeal. Timely updates and clear information regarding the steps being taken to rectify the situation would have greatly alleviated my anxiety. Unfortunately, the information provided has been insufficient, leaving me in the dark about the progress of the investigation. 

I am requesting a thorough review of the handling of my case and a comprehensive explanation of the steps taken to address the fraudulent transactions. Furthermore, I insist on a detailed plan outlining how your institution intends to prevent such incidents in the future. 

As a customer, I expect and deserve a higher standard of service, especially when dealing with issues as critical as fraudulent activities on my account. I trust that you will treat this matter with the urgency it deserves and take the necessary steps to rectify the situation promptly. 

If my concerns are not addressed satisfactorily, I may have no choice but to escalate this matter to the relevant regulatory authorities and consumer protection agencies. I am asking for your assistance to remove these fraudulent items in my credit file : 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

A Navy Federal Account was opened in my name without me knowing so when I tried to open an account I was told there was account already opened and closed.
Product: Student loan

I paid what I believed to be the remainder of my student loan balance of {$19000.00} on XX/XX/30. I used the Nelnet website, and when I went to make my payment, you have the option of making your payment by group, or by amount. I chose the amount tab as I was going to be paying the entire balance off. The amount listed above is what was shown as the balance of my loan. Today, XXXX, I went to verify the payment had been made, only to see I still have a balance! I called Nelnet, and their employees seemed to agree that the website showing only the principal and not the outstanding interest under the payment tab is egregious, predatory, and THEFT. They are misrepresenting student loan balances and in the process collecting more money from students with predatory tactics. It should be clear as day, the amount owed on the loan, not interest hidden somewhere else on the website. Had I not called to verify the payment I wouldnt have known I was carrying a balance, could have potentially defaulted on a loan that should have been XXXX, and done irreparable damage to my financial health. These predatory practices must be stopped!! They are attempting to trap student loan borrowers. A simple website interface adjustment could fix this, but they choose not to because it makes them more money off the backs of unsuspecting students. The members of the Board for Nelnet should be investigated and held accountable. I would like this looked into as soon as possible and a response when the investigation is complete. This is despicable behavior and someone needs to stand up for students and protect them from being stolen from.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding zelle handling disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. My account was hacked saying that money was fraud and then they stop me from using the website with no investigation of any sort.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




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  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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Student loan

Navient will not respond to my applications for income driven repayment. My federal student loans are only mine, yet they will not adjust my payment so I can afford them. I have applied for the last 3 years and they just wo n't help me at all! I have a family member paying my loans because I ca n't afford them and I need help!
Product: Student loan

I graduated this past XXXX, officially in XXXX, prior to that my Navient account was being forbeared by paying {$150.00} which was supposed to go to all my loans. However, the loans originally written through XXXX XXXX were special XXXX XXXX loans where the parent was the parent borrower and their income/credit was the basis of obtaining the loan. The student was listed as the student but still responsible for the loans. There are a total of XXXX smaller loans with Navient, however, when I was paying the good faith payment to protect the credit reporting, they did not cover all the loans because they were not brought over from XXXX XXXX with my name being attached to them all. Apparently this loan type is no longer offered because of its complex nature of not proving the student was in school. Now I have graduated and have attempted to consolidate these loans, but constant negative reporting while in school ( the grace period ran out because I took more years to graduate ) makes it difficult to be eligible for anything. Additionally, between my parent and myself, never got information on all the loans over the phone because of the way they separated in the system. So some representatives gave incorrect information because they did not look in all places. 

Although there were special programs available, I was not told about those until after my account got extremely delinquent. Now I am enrolled in a interest rate reducing program which is helpful, however, Navient still reports the loans at delinquent, and a letter for setting up the program states they will continue to do so until the qualifying payments are made. You have to make XXXX automatic payments in XXXX consecutive months in order to fully gain entry into the program. My issue is that I started with a credit score in the high XXXX, in 4 months of successfully paying off credit debt, paying student loans, due to being gainfully employed, I was nearing a credit score in the high XXXX, and easily would be in XXXX range by next year. Now in XXXX month, it has dropped XXXX points. And will continue to drop at such a large rate, that despite being on time with my agreement and payments across the board, I will be penalized for this. In addition, despite being in the program, you still receive calls upwards of 3 times a day. No one there seems to share information which would be helpful to those who are attempting to pay.
Product: Credit card or prepaid card

A dog training company scammed us out of {$4000.00} and American Express investigations team can't comprehend what's going on and keep declining our disputes. 

American Express wants me to contact the merchant and try to work with them after sending the dispute team proof that the merchant is claiming they don't have my money, cussing me out, and threatening to file a restraining order against me. 

American Express has failed to understand the problem and continue to allow the merchant to retain my money while harassing me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, reported a hard inquiry on my Equifax credit report. However, I never applied for any credit with XXXX, and I never gave XXXX the authorization to run my credit. I feel that this is fraud.
Product: Debt collection

Dear XXXX, I am writing to address a pressing matter regarding the XXXX XXXX. 
It has come to my attention that there appears to be a misunderstanding concerning the condition of the XXXX XXXX. I must emphasize that during my entire tenancy, I never spent a single night in the apartment due to its deplorable conditions. Despite my repeated attempts to rectify the situation, the issues persisted, rendering the premises uninhabitable and unsuitable for residency. 
Throughout the duration of the lease, the apartment was infested with roaches and emitted a persistently foul odor and mold found in the kitchen. Despite my efforts to communicate these concerns to the leasing agent promptly and to seek resolution, no effective action was taken to address the conditions. As a result, it was impossible for me to occupy the premises or even consider it as a habitable living space. I was also not allowed to look at my room until I finished signing the lease. 
Given the circumstances outlined above, I hereby request to be free of all debt of {$2800.00}. It is imperative to note that tried multiple time for the first XXXX months releasing the apartment which was the only option they gave to get off the lease however, I was unsuccessful. The XXXX XXXXas also had a negative history in the past were others experienced similar situations. I also have photographic evidence of the state of the apartment. 
I trust that we can resolve this matter amicably and avoid any further escalation. If you require any additional information or documentation to process this request, please do not hesitate to contact me at XXXX or via email at XXXX Thank you for your attention to this matter. I look forward to your prompt response.
Product: Credit card or prepaid card

Hello, thank you for your assistance. 

Issue : I didn't receive advertised or promotional terms on AMEX Blue Cash Preferred card. Also, reporting that the offer was misleading advertising about the credit card ( terms weren't clear, couldn't find important information on the online approval process ) ( 1 ) I applied online at XXXX for AMEX Blue Cash Preferred : 0 % for 12 months, {$250.00} Bonus after {$1000.00} spent in 3mos time. AMEX card approved me online immediately on XX/XX/XXXX. ( 2 ) I called a representative around XX/XX/XXXX to inquire about the {$95.00} membership fee charged. We talked about the card 's fee ; We talked about the 0 % for 12 months, {$250.00} Bonus during that conversation. I decided to keep the card and not reapply for the Blue cash card that offered a {$150.00} bonus, 0 % for 12 months with no membership fee of {$95.00} : the monies earned would work out to nearly the same amount taking into consideration the bonus amounts and the membership fee. ( 3 ) I put the card on autopay and waited for the usual time for the bonus to record. ( 4 ) To my chagrin, I saw interest charged and have been trying to resolve with AMEX repeatedly with no resolution. ( 5 ) The representatives said there was a pop up online stating I wouldn't get the promo offer. I saw, APPROVAL, I didn't see anything saying not approved for promotion. I'm very savvy using promotional offers and I've never had this happen : BAIT and SWITCH. In addition, AMEX did not send a letter notifying me I wasn't approved for the promotion. ( 6 ) The interest rate AMEX is charging me is a whopping 25.74 %!!!! I would never knowingly agree to that interest rate. ( 7 ) After the original call, I've spoken to a total of 5 representatives including managers. Each time escalated. No resolution. Lastly on XX/XX/XXXX, I was promised a call back from an authority that could assist. No call back. 

Here 's a list of attempts to resolve issue : 1. Approx XX/XX/XXXX - inquired about card details. 
2. XX/XX/XXXX - Inquired about my promotion and reported interest charged instead of 0 %. Rep said to call back to follow up. 
3. XX/XX/XXXX - Followed up and spoke to XXXX, XXXX and, manager, XXXX who forwarded my issue to a resolution department. Mentioned at least a 2 week process at minimum up to 90 days. 
4. XX/XX/XXXX - Followed up again and spoke to XXXX and then escalated to, supervisor, XXXX. At that point, I was to be given to a higher authority to call me within 48hrs. No attempt was made. 

Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/2023 Dear Creditors, I want to ensure that the most accurate information is in my credit profile at all times. The listed items below are inaccurate and should be removed/deleted from my credit report immediately. 

Please delete the following inaccurate names : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please delete the following inaccurate phone numbers : XXXX XXXX XXXX Please delete the following inaccurate employers : The XXXX XXXX XXXX XXXX XXXX I am filing this complaint and consumer check for compliance of these particular items that you are reporting under FACTA Title 1 sec. 151. I have enclosed a copy of my state issued identification and social security number to validate my identity.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep frustration and dissatisfaction regarding the persistent presence of fraudulent items on my credit report. Despite multiple attempts to rectify this issue, the fraudulent entries continue to negatively impact my credit score and financial reputation. 

Upon reviewing my credit report on [ date of initial discovery ], I discovered several fraudulent items that I did not authorize or recognize. Since then, I have made numerous attempts to have these fraudulent entries removed from my credit report. I have submitted formal disputes, provided supporting documentation, and followed all prescribed procedures outlined by your agency. However, despite my diligent efforts, the fraudulent items remain unresolved. 

The presence of these fraudulent items not only undermines the accuracy and integrity of my credit report but also poses a significant threat to my financial well-being. As a responsible consumer who diligently monitors their credit report, I find it unacceptable to be unfairly penalized for fraudulent activities that I did not initiate or authorize. 

Furthermore, the lack of progress and communication regarding the status of my dispute only adds to my frustration and erodes my trust in your agency. I have not received any updates or explanations regarding the reasons for the delay in resolving this matter, leaving me feeling disregarded and vulnerable to further fraud. 

I demand immediate action to investigate and rectify this situation by removing the fraudulent items from my credit report without further delay. Additionally, I expect transparent communication and regular updates regarding the steps being taken to address this matter. 

I trust that you will take this matter seriously and prioritize its resolution to avoid any further escalation. Please acknowledge receipt of this complaint and provide assurance that immediate action will be taken to address my concerns. 
With this, I am asking for your assisstance to remove or correct these accounts or fraud items in my credit file : XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$13000.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$1500.00} XXXX XXXX XXXX XXXX Balance Owed : {$13000.00} XXXX XX/XX/2023.
Product: Checking or savings account

I have been unable to access the portal to transfer money out of my account for 20+ days. I have emailed and called many times, and they just keep saying the fraud department is " looking into it ''. This is too long to have my money being held up. I have asked to speak with managers and supervisors, and nobody can do anything. They just transfer me around and blame it on other people within the company. They are threatening to charge me {$50.00} to close my account at this point when I don't even have access to my funds unless I close it. The only fraud that is going on is with BMO Harris Bank!