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

I am writing to you today to once again dispute some accounts that appear on my credit report. As I mentioned in my previous letter, I have been a victim of identity theft, and several fraudulent accounts were opened in my name without my knowledge. I already forwarded the required FTC report to the companies and they have acknowledged that these accounts were fraudulent and have removed them. 

However, I have noticed that your bureau has continued to report these accounts, even though the other credit bureaus have already removed them. I would like to remind you that as a credit bureau, you are required by law to ensure that your records are accurate and up-to-date. By failing to remove these fraudulent accounts, you are not complying with the law and are putting me at risk of further harm. 

XXXX XXXX and XXXX XXXX XXXX, XXXX XXXX XXXX XXXX.
Product: Checking or savings account

On XX/XX/2022 I used a Bank of America ATM at XXXX XXXX XXXX XXXX, XXXX, Illinois to withdraw {$460.00} from my checking account. Before the cash was dispersed, the ATM required me to take the card from the machine, but in this instance the ATM did not eject the card far enough for me to be able to grab it. I tried for about a minute but was not successful in getting it out of the machine. The machine then swallowed my card and cancelled the transaction. Although my account was debited {$460.00} I did not receive those funds. 

Today I called Bank of America and they will not credit my account until XX/XX/2022. They state the reasoning is because I had another claim on my account. I did, for {$9.00} - it was a recurring monthly charge for a service I cancelled and should not have been charged for - but that claim was resolved in my favor and the amount of legitimate claims I have should not matter ( if they were fraudulent I would understand ). 

A faulty ATM machine is an issue on Bank of America 's end and I should not have to waste hours of my time trying to get in touch with a representative to submit and follow up on this issue. Especially because it was one of Bank of America 's ATM machines, I should not be waiting two weeks for the funds to be credited back to my account. They must have record of the amount of cash that is in that machine. 

This is an unfair and shady business practice and is unacceptable.
Product: Checking or savings account

I received a mysterious email from XXXXXXXX XXXX XXXX Chime stating they were going to be closing my account with no reason or justification. I called them about this odd email and they said no that was not true or accurate and it must have been a phishing attempt. I saw my account was closed without my knowledge not giving me sufficient time to change my direct deposit information on various gig apps I rely on for financial survivial and for paying gas in my car, to pay child support and alimony, and my everyday living expenses. 

I'm now being told all the money in my account will not be returned to me until up to 30 days from now. I now have no money at all to put gas in my car and they have left my in a life and death situation over having zero access to financial funds as they were my only banking instituiton.
Product: Money transfer, virtual currency, or money service

Commencing on or about XX/XX/2023, I fell victim to a multi-layered scam operation run by a Payback Imitation which involved me making deposits for a total amount of XXXX ETH from my Coinbase account to fraudulent investment firm ( XXXX ).
Product: Credit card or prepaid card

AAA accepted and cashed a check in full and final satisfaction which is a written contract accepting final sum. They refuse to stop billing and are now assessing penalties and interest and sending me another card and another bill despite the fact that I have communicated with them to discharge and close out this credit card. 

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

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX Balance : {$14000.00} ; XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$330.00} ; XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$420.00}
Product: Payday loan

Paid over {$20000.00} for a {$5000.00} loan.I wish to add that since taking out this loan, I have moved from XXXX XXXX XXXX, XXXX, Ky XXXX. I was harrassed endlessly regarding this loan and was insulted on the phone by a collector.
Product: Checking or savings account

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXX, XXXX  XXXX Subject : Formal Complaint Against Wells Fargo for Fraudulent Activities Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Wells Fargo regarding fraudulent activities that have occurred with my accounts. This is a recurring issue, as I previously received a settlement check dated XX/XX/year>. Unfortunately, the recent incident involving the fraudulent opening of XXXX accounts and unauthorized enrollment in services like XXXX credit protection and XXXX has left me deeply concerned. 

I did not provide consent for these actions, and this breach of trust by Wells Fargo has resulted in both emotional distress and financial damage. The {$31.00} check issued in response to this issue is insufficient to address the extent of the harm caused. I am seeking immediate resolution of this matter and fair compensation for the emotional and punitive damages incurred due to Wells Fargo 's illegal and criminal behavior. 

This continuous pattern of unauthorized account activities is unacceptable, and I urge the Consumer Financial Protection Bureau to investigate and take appropriate actions to hold Wells Fargo accountable. 

Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have repeatedly asked my mortgage company to report my perfect payment history since Ive had this loan ( 2011 ) when it was transferred/boughten by this current company all reporting ceased. Ive never Missed a payment or been late. Im the primary on the loan, however my ex husband is getting all the perfect payments history reported on his report monthly, which is fine ( we are both on the loan ) however I should most certainly be getting the reports of perfect payments since Im The one making them and I own the home.

The last communication with mortgage lender was today and I did as they asked, pulled my 3 bureau report and they are nowhere on that report. 

I Just keep getting the runaround with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX has violated my rights. 
15 U.S.C. 1681 section 602 A states I have the right to privacy.

15 U.S.C. 1681 Section 604A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681C ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

After numerous attempts to get these fraudulent inquires removed from my credit reports the credit bureaus have not removed these fraudulent inquires.
Product: Credit reporting or other personal consumer reports

I filed a dispute with the credit bureaus regarding errors related to accounts from XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX, and LVNV Funding LLC. Despite my requests for documentation to verify the accuracy of these accounts, the investigations did not resolve the errors, and the derogatory marks remain on my report. These accounts are reported inaccurately, and I believe some of the balances, statuses, or ownership details are incorrect. My credit scores have been negatively impacted, with current scores as follows : XXXX : XXXX, XXXX : XXXX, XXXX : XXXX. I have requested verification and correction of these accounts, but no satisfactory resolution has been provided
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my credit report and noticed some accounts I do not recognize and have not authorized. I believe I have been a victim of identity theft. I am demanding these accounts be remove immediately. This fraudulent reporting is very adverse to my interest. 

1. XXXX/DEPT OF ED 28 USC 1746 Unsworn declarationsunder penalty of perjury
Product: Mortgage

We are currently working on a refinance with another company. Rushmore services our current mortgage because XXXX  XXXX closed their mortgage division and rushmore took over the servicing of the loan. 

To complete our refinance, we needed a 24 month verification of mortgage ( VOM ). The company we are refinancing with, has completed everything else for the loan and has our borrower 's authorization on file, to communicate with rushmore. The refinance was supposed to close the XXXX of XXXX. 


Rushmore only sent a 12 month VOM when they should have sent a 24 month VOM. The company I am working with, XXXX XXXX, has called over a dozen times to Rushmore and been promised over and over the correct VOM would be faxed that day. This has gone on for nearly two weeks. These calls are all made on recorded lines and Rushmore continues to lie about faxing over the correct VOM by the end of business.

We have had many problems with Rushmore in the past, but this feels like they are lying and deliberately trying to make sure we aren't allowed to refinance. We were told by XXXX XXXX they have seen this problem with Rushmore with other borrower 's as well. We have had multiple problems with them in the past obtaining information about our mortgage. The customer service person always seems nice, but there is always a person above them that is supposed to do the work and never completes the task. You are never allowed to talk to that person and over a dozen calls and nearly two weeks and they have never completed one task they said they would.
Product: Checking or savings account

The company want allow me to access money from my accounts. They have accused me of writing two checks, they have accused me of fraud. The issue started at the end of XX/XX/2018, when my daughter realized that the debit card to one of my accounts was missing. We reported the card lost to the bank and the police, we filed two police reports one in XXXX, AL and one in XXXX, AL. A week later the bank tells my daughter that someone deposited two checks into the account. We went to the bank to let them know that the card was lost. The bank told us that because my daughter, who name is on the bank account should not have had my card, they would not be refunding the money to the account that the checks was made to and that they was taking the money that was in my other account to recover the overdraft from the other account. The bank stated that whoever put the checks into my account had the pin number the checks was deposit through the ATM, but when my daughter lost the card, the pin number was on the back of the card and she lost her driver id, that is all in the police report. I gave the bank the police report numbers and offered to have my job and my daughter job show time stamps, to prove that we were at work when this happened. I asked the representative at the bank how was someone able to withdraw {$3000.00} out of an account that only had {$25.00} in it. The bank statement shows that the person was able to take the majority of the money out of the account within two days, when usually if you put that big of a check into a regions account they make you wait 5 to 10 business for the check to process. The representative told me that they did not have control over what the ATM allowed a person to take out or put in. That when you put a check into the ATM you are allowed to take cash out under good faith that the check is real, this is in contrast to what they do when you bring a check into the bank and make you wait for the check to be processed for 5 to ten business day.
Product: Student loan

On approximately XX/XX/2021 I spoke with Navient about refinancing to lower my interest rate. They said they could offer a lower rate and I accepted. However they did not make it clear that they were refinancing it out of a government loan program into a private loan, which means it was now longer available for IDR ( income driven repayment ) and IDR loan forgiveness. They did send me one or two items relating to my credit score disclosure but they never provided me with a copy of a promissory note to sign or any loan disclosures stating that it was no longer going to be eligible for IDR. I don't remember this being anything that was discussed with me at all either. 

My loans are currently with Navirefi.com now. I do believe this is an illegal loan and an example of predatory lending as I was never made aware of these facts, and was surprised to see my loans move into this navi-refi portal. I simply asked for a lower interest rate, not for a completely different type of loan. Apparently there is a different way to refinance these loans which is confusingly called a direct refinance. By not providing written information explaining that I was refinancing to a completely different loan program, I do believe I was purposely mislead and I do believe fraud was committed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX In accordance with Fair Credit Reporting Act XXXX Accounts, above has violated my right.

15 U.S.C 1681 SECTION 602 A STATES I HAVE MY RIGHTS TO PRIVACY 15 U.S.C 1681 SECTION 604 A SECTOIN 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH WITHOUT WRITTEN INSTRUCTIONS
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information was erroneous. The Experian credit bureau must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The items need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Hello, I was using the service of teeth aligners from the company XXXX. Out of nowhere, they stopped answering emails in XX/XX/2023 and if you looked them up online you could see all over the news they declared Bankruptcy in XX/XX/2023 but would still require the monthly payments from their clients ( even if you never got to finish the treatment which is my case ). 

A separate company called healthcare finance direct has been collecting the monthly payments and threatens to send you to collections if you do not pay. I was making my monthly payments until I disputed the payments of XXXX and XXXX with my bank. I received a letter from the bank saying the dispute was closed but the healthcare finance direct company called me saying I still owed those months too, if not paid I would be sent to collections. 

I have stopped receiving my aligners for more than 5 months now and am still expected to pay my full debt. 

I have already tried to complain with healthcare finance direct but they have told me they can not do anything until XXXX releases information on what they will do with clients.
Product: Debt collection

COMMONWEALTH FINANCIAL Contact XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX HAS BEEN SENDING ME COLLECTION NOTICIES IN THE AMOUNT OF {$830.00} THE COLLECTION HAS BEEN REPORTED AS PAST DUE. I DO NOT KNOW THIS COMPANY. I HAVE NEVER DONE ANY BUSINESS WITH THIS COMPANY. THIS COMPNAY DOES NOT HAVE A CONTRACT WITH MY SIGNATURE.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this to file a formal complaint regarding the closure of an account that was furnished on my consumer report without my written or oral consent. The closed account I am referring to is the Account Details : Creditor : XXXX XXXX  Account Number : XXXX Date Closed : XX/XX/XXXX Current Status : CLOSED Balance : {$0.00} Date XXXX I believe that this has been carried out in a manner that is unjust and without proper communication. I had reached out to these reporting agencies on XX/XX/XXXX of XXXX in regard to this closed account. The response i have obtained was that this account has came back verified and accurate but never sent out Documation on how they verified this information and who did they get this information from. They never did a proper investigation consumer report. The closure of that account has caused me significant inconvenience and disruption.
Product: Credit reporting or other personal consumer reports

I am submitting this formal dispute regarding the late payment entries on my credit report : XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXXXXXX - {$0.00} XXXX XXXX XXXX XXXX - {$0.00} These records do not reflect my actual payment history and should be corrected. I have made multiple attempts to get this matter resolved, providing all relevant documentation and following up persistently, yet the errors remain. This situation has not only impacted my financial health but has also caused me a great deal of frustration and stress.

The Fair Credit Reporting Act ( FCRA ) ensures my right to an accurate credit report. Any incorrect, outdated, or misleading information should be promptly removed or updated. I urge you to take immediate action to correct these records.

Please prioritize this matter, as these errors are negatively affecting my credit standing. I look forward to your timely response.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15.USC 1692C THEY HAVE VIOLATED MY RIGHTS BY UNLAWFUL COMMUNICATION PLEASE REMOVE THE COLLECTION OFF OF MY CREDIT REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Money transfer, virtual currency, or money service

I paid a merchant via PayPal ( PP ) on XX/XX/XXXX. The amount of the service was {$120.00} and I was charged a fee ( {$3.00} ) by PP for the payment transfer. I had an issue making the payment because I assumed that there wasn't enough money in my PP account to cover the full amount but I have my bank debit card attached to the account to cover any differences. I tried a 2nd time and the transfer went through and the merchant confirmed receipt of payment. My PP account shows- {$120.00}. On XX/XX/XXXX I received a paper statement from Pay Pal Credit that I owe {$190.00}. I have been charged 2 late fees ( {$69.00} ) and interest charges ( {$3.00} ). Unbeknownst to me, this transfer was actually a cash advance through Pay Pal credit and not deducted from my bank debit card. My PP account shows a deduction of {$120.00} there is no indication that it was charged to PP credit or that it was a cash advance. I spoke with Pay Pal credit. This is the first paper statement that I received in the mail and was unaware that I had outstanding charges with PP credit ( a service that I no longer use ). They " confirmed '' that statements were sent out ( this was the first one received ) and sent to the email on file. I paid the original amount today ( XX/XX/XXXX ) but was denied my request to have the late fees and interest charges removed even though I have 1 ) never made late payments and have a 2 ) do not recall making PP credit my default back up payment when historically my bank card was always the default back up 3 ) an automatic payment is setup on my account but the payment didn't go through even though my bank card is up to date. I was told to call Pay Pal to dispute why my bank card is not the primary default payment option. On XX/XX/XXXX I called PP and they said Pay Pal credit was selected as my default payment back in XX/XX/XXXX. I rarely use PP and do not recall making this my default payment option. I do not know why I was not asked to confirm that I was making a cash withdrawal against PP credit ( and why it was a cash advance and not a credit card charge ), emails regarding my PP credit card are coming from XXXXXXXX XXXX XXXX which I ignored as spam/phishing scams since I don't use PP credit nor was I expecting anything from them ). I would like to have these fees waived and call out PP for their predatory practices in charging customers a range for different fees from transferring money peer to peer, paying merchants and causing confusion with their pay pal credit vs. money transfer options.
Product: Credit reporting or other personal consumer reports

I am writing to express my continued dissatisfaction and frustration with the outcome of my second attempt to remove fraudulent items from my credit file. Despite providing comprehensive documentation and following the necessary procedures outlined by your company, the response I received was inadequate and failed to address the severity of the situation.

Moreover, the lack of transparency and communication throughout this process has been concerning. I have not been kept informed of the progress made, if any, nor have I been provided with a clear timeline for resolution. This has left me feeling frustrated and uncertain about the status of my credit file.

Assurance that measures will be implemented to prevent similar incidents from occurring in the future, including an evaluation of your company 's procedures and protocols for handling fraud-related issues. 
Failure to address this complaint promptly and satisfactorily will leave me with no choice but to escalate this matter further and seek assistance from regulatory authorities and legal counsel. With this, I am asking for your assistance to remove these fraud 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 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
Product: Credit reporting

There are XXXX inquires on my credit report that does belong to me XXXX from XXXX XXXX XXXX from XXXX XXXX and XXXX from XXXX I have letters from XXXX XXXX and XXXX XXXX to remove the inquires and XXXX said they sent letter to bureaus over the phone to remove over 60 days ago Equifax acts like nothing has been sent even though my self have uploaded the documents and faxed them over. Need these removed for Equifax and XXXX Which has the XXXX XXXX and a XXXX which like XXXX said they sent over to credit bureaus over 60 days ago.