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

Wells Fargo charged me multiple fees for overdrafts and eventually shut the account down altogether causing me many issues with other accounts. They sent a refund for some of the charges but it didnt include any type of compensation for the damages incurred during this time because of the charges. I was going through a separation at the time and was out of work so I depended on a very small amount of money and these charges kept me from being able to pay bills and even find housing during this time. The account was closed and when I attempted to contact Wells Fargo they were extremely unhelpful.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX XXXX XXXX XXXX has violated my rights XXXX XXXX XXXX has violated my rights XXXX XXXX XXXX XXXX has violated my rights XXXX XXXX XXXX has violated my rights XXXX XXXX XXXX XXXX XXXX has violated my rights In additions listed on my credit report are inquiries that I didn't authorize Credit Plus factual date XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX factual date XXXX XXXXXXXX XXXX XXXX factual date XXXX XXXX factual date XXXX XXXX XXXX factual date XXXX 15 USC 1681 Section 602 A States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without written consent.
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX {$1000.00} in {$500.00} increments was wired from my account without my knowledge and authorization. I was called by Wells Fargo that same day to verify if it was me that made that transfer. I told them no it wasn't me and to attempt to stop it. I was then sent in a circle between going in the bank branch and calling the fraud department for 3-4 weeks for them to finally tell me that the bank the money was withdrew from wont return the funds. I was not credited or refunded the money.
Product: Credit reporting, credit repair services, or other personal consumer reports

AS OF XX/XX/XXXX I HAVE NOTICED FAUD ACCOUNTS ON MY CREDIT REPORT Original balance- {$720.00} Account number-XXXX Open/closed-Closed Date opened-XXXX XXXX XXXXXXXX Account type-Secured Loan Status-Paid, Closed. 
Status updated-XXXX XXXX Original balance- XXXX XXXX  Monthly payment -- Last payment dateXXXX XXXX XXXXXXXX Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone number ( XXXX ) XXXX INCOMPLETE ACCOUNT 3 IS GROUND FOR REMOVAL AND DELETION OF THIS ACCOUNT 15 U.S. CODE 1681C-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft NOT LATER 4 BUSINESS DAYS AFTER DATE OF RECEIPT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with AMER FST FIN and XXXX XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, AMER FST FIN and XXXX XXXX  with no successful resolution. There was definitely an error on their part.
Product: Credit card

I was booking a room online for XXXX XXXX XXXX XXXX. At the payment page to confirm the room, XXXX credit card offer from Chase came up stating " upto {$300.00} statement credit '' if approved for the card. I chose to apply for the card by clicking the link, completed the application process and was instantly approved for the XXXX XXXX Rewards card with {$150.00} statement credit instead of {$300.00}. Upon further diligence, I realized that {$300.00} statement credit is available for the Premier card with annual fee whereas {$150.00} statement credit is available to Rewards card with no annual fees. However, I was never given a chance to select a card between these options or made aware and whether I want to accept the card with the fact that I will not get {$300.00} statement credit. I called the customer service ( even though a number of not provided to resolve any issues ), and the complaint was taken and was told to give about 3 weeks. Now I have received a credit card statement ( upon spending at least {$300.00} on the card -- which was condition to get {$300.00} statement credit ) and it shows statement credit of {$150.00}. Upon inquiry again with the credit card issuer, Chase Bank, I am told that escalation review is complete and that I will not be able to get full {$300.00} statement credit. I believe the online representation is highly misleading and designed to avoid presenting choices in order for consumers to be able to select appropriate cards ( with and without annual fee but with {$300.00} and {$150.00} statement credits respectively ) and just luring them in to applying for " the '' card. I would not have applied for the card had I known that I would be forced into getting only {$150.00} statement credit and basically had no chance to get {$300.00} statement credit in the way the card application process worked.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX 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 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX XXXXXXXX, GRANITE STATE MANAGE. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX  and XXXX XXXX, GRANITE STATE MANAGE with no successful resolution. There was definitely an error on their part.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Department of Education took my tax refund. My loan was in good standing and paid off on the credit bureau. However,. when the COVID 19 situation came about, the Department of Education refunded me my money. They said that they are not requesting any payments at this. The account will be active and good standing. Their voice recording also do not worry about making payments. Also, the Department of Education said they are accepting any payments at this time. They probably will not be accepting payments for a while. I looked on my credit it said that me acct is closed and not in good standing. How can this happen when the Department of Education said that my account should report in good standing, also I was not the one who requested a fund.
Product: Credit card or prepaid card

On  XXXX   XXXX ,  2017 , I timely paid {$300.00} against the balance of this card. The payment was made electronically from my  XXXX   XXXX  bank account. On that date, I learned that fraudulent debits had been placed against my  XXXX   XXXX  account.  See Complaint Number   XXXX  for further details.     On  XXXX   XXXX ,  2017 , while I was in a meeting, I received a message from  Key  Bank about my account. When I was able to access my computer, I saw that the payment had been reversed by  XXXX   XXXX . The reversal was a mistake on the part of  XXXX   XXXX  due to the fraudulent debits, as discussed in the C omplaint Numbe  XXXX  above. I went to  XXXX   XXXX  and met with my banker and the Manager, who elevated the problem to the  District Manager . There are no   Key Banks   in the State of Florida so I could not go to a   Key Bank   and their office was closed when I called on Friday afternoon. I called   Key Bank   again on Saturday and was told that I should make a payment and then call back to have the fees and interest reversed and the account corrected.     Since I could only make a payment online, and no longer had a checking account to use due to the  XXXX   XXXX  problem, I had to make arrangements to use another account. I made those arrangements and made the payment again to  Key  Bank on  XXXX   XXXX ,  2017 . I then called Key Bank to have the fees and interest reversed. I was told by "  XXXX  '' that they could reverse the late fee as a one time courtesy, but would not reverse the interest because it was not their fault. I was also told that they could not correct the account to reflect that I paid timely.     Any reporting of this matter to the credit bureaus is a violation of the Fair Credit Reporting Act. Further, Key Bank failed to timely notify me of the reversal. In addition to the late fees and interest, I have now spent additional billable time trying to resolve this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had two cards with XXXX XXXX XXXX. Both of them had limits in the area of XXXX dollars. I used them very infrequently if at all as the interest rate was high for charge usage. In early 2019 I noticed a charge on both cards for annual membership which I did not agree to. I immediately contacted the company to cancel both cards. I was eventually transferred to customer relations or customer retention. The rep said if I kept the cards open I would not be charged annual membership fee. I have not used the cards but one bill showed up with the dreaded membership fee AND a late charge. I then received a phone call as to how I could get in the good graces of this rip off company. I again cancelled both cards and they reported me as a 30 day late.
Product: Student loan

Based on information I was provided by the Nelnet agent XXXX on XX/XX/XXXX ( see attachment ) two payments of {$2600.00} on XX/XX/XXXX and XX/XX/XXXX were made. I was told these payments would be applied to future minimum payments due. 

I am now being told that those payments would not be applied to future minimum payments due, and that I was given wrong information. I did this to get ahead on my student loan payments, and had I known these payments would not be applied to future minimum payments due, I would have held onto the money and paid it when it was due. 

I made these payments based on false information provided by Nelnet.
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 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 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 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

I have a savings account with Bank of America that is getting charged an XXXX XXXX monthly fee because I can not keep a minimum balance in it. However, for close to XXXX  months now, I have been attempting to close the account and have been unsuccessful. 

I first tried calling but on several occasions, I have been on hold for over an hour before getting to a person and eventually have to give up. 

I then tried chat and they said I had to either call or go into a branch. Well, I don't have a banking center that is close to me, so that doesn't work. 

So, back to the phones, trying to close the account. I have now called over XXXX  times and each time, I have been placed on hold longer than an hour before I finally give up. I have tried on different days, different times of day, and different days of the week to get through to someone and have been unable to do so. 

If Bank of America isn't going to staff their call centers to be able to assist their customers, then they should have an alternative to close an account so I don't get charged a fee anymore. I have now been charged {$24.00} ( $ XXXX ) since I decided to close the account. 

At the time of me submitting this complaint, I have been on hold with Bank of America for XXXX minutes and still have not spoken to anyone.
Product: Student loan

IDR repayment change was submitted XX/XX/XXXX. Today, XX/XX/XXXX, I received a letter stating my account has been placed in administrative forbearance from XX/XX/XXXX to XX/XX/XXXX. There is no information in this letter on whether or not PSLF " payments '' I could be making will be counted. It does state that interest will accrue while they take THREE months to review my application. I've called and waited on hold 3 times today for over an hour each time and haven't been able to reach anyone to ask for an explanation. 

Additionally, my loans were consolidated in XX/XX/XXXX and my PSLF payment counts were reset to zero and have not been updated. It's now been a YEAR and any request for information results in the same response : " The currently displayed PSLF and TEPSLF Payment Counts, specifically those for your PSLF and TEPSLF Eligible and Qualifying Payments, may not include all eligible and qualifying payments that you might be entitled to as a result of the Limited PSLF Waiver. We are in the process of updating this information and ask that you check back periodically for updates. Your continued patience during this process is appreciated. ''
Product: Credit reporting or other personal consumer reports

It is of utmost importance that prompt measures be taken to prevent the usage of fraudulent accounts that have been bought to light as a direct consequence of the XXXX data breech/identity theft. In light of ongoing investigation by the federal trade commission it is incumbent upon us to comply with regulations laid down in the fair credit reporting act section 605B, which mandates the blocking of such information until the investigation is concluded. As such, it is imperative, that we take XXXX and decisive action to protect our customers and uphold our commitment to compliance and security. Continue unauthorized account. XXXX XXXX XXXX- XXXX Continued unauthorized inquiries : XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts have violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 USC 1681 section 602 A, states I have the right to privacy.

15USC 1681 Section 604 Section 2, it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC1681c. ( 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 ante cedes the report by more than seven years.

15 USC 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

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 15 USC 1681. 

Account Name : XXXX Account NumberXXXX  Account Name XXXX XXXX XXXX  Account NumberXXXX  Account Name : XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

the wrong address - an address i never lived at - is on my credit reports and associated with a number of my accounts. somehow???? several of my accounts became associated with my ex-husband 's address. i keep trying to get this sorted out with the credit scoring companies - XXXX, equifax and XXXX  - but they say they can't update address until reporting companies fix address -- - the address has been fixed on all accounts that i am aware of / that are legitimate. but for the accounts that are NOT legitimate - i can't dispute the account because the credit company sees the ( wrong ) address reported by credit agencies .... so i am in a catch-22. my credit is destroyed because credit agencies have wrong address associated with my name - bills i have never received / don't know about -- and i can't get information corrected - so the problem will never end. this results in me getting turned down for jobs, loans, mortgages, credit lines ... ruins my life. but not my fault. PLEASE HELP ME. 

equifax, XXXX  and XXXX XXXX also have several variations of my name that i have never used associated .... and some credit inquiries that i have never authorized. these can not be disputed with the reporting agencies - so it will never be resolved. again - this destroyed - continues to destroy my credit. please help me.
Product: Credit reporting or other personal consumer reports

I received letters stating that my that has been paid off from churches I've never contacted any of these places I've later heard that there was a credit breach where my information could have been leaked out
Product: Credit reporting or other personal consumer reports

All three reports- XXXX, XXXX, and Experian- show a hard inquiry from XXXX XXXX on XX/XX/2023 for a credit card which I did not apply for. The Experian report also shows a hard inquiry on the same date for XXXX XXXX XXXX. I have frozen my credit with all three bureaus and filed disputes with all three bureaus. I mailed a letter to XXXX XXXX, and I tried calling XXXX, but they were not very helpful. I am hoping to both prevent any additional fraudulent inquiries / account openings as well as have the fraudulent inquiries removed from my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to Federal Law, the below accounts have violated my rights and I am preparing to take legal action : XXXX XXXX XXXX XXXXXXXX XXXX Dept of EdXXXX {$80000.00} 15 U.S.C. 1681 Section 602 A states that I have a right to privacy.

15 U.S.C. 1681 Section 604 section 2 states that a consumer reporting agency can not furnish a report without my written instructions. 

I have addressed this matter numerous of times. I am preparing to take this to a small court and recover damages.
Product: Credit reporting

Dear Sir/Madam : Please note : I am filing a new complaint due to the fact that my previous complaint, XXXX was unable to be verified to to a lack of information. I called your offices and they suggested that I file XXXX new separate complaints, one for each of the credit reporting agencies that I would like to dispute with. So to be clear, this is a new complaint, and not a duplicate. 

I am requesting your assistance to clear up my credit report due to an inaccurate collection placed on it recently. Kindly allow me to provide some background information below : I paid {$150.00} because I discovered the apartment management XXXX had forwarded my claim to the collection agency, however, this does not mean I accept the claim. In fact, I completely disagree with this claim, and it is absolutely unjustified, erroneous, and unfair. I just wanted to get this issue resolved and off my mind so that I could pay attention to real issues and other priorities in my life. 

We have tried reaching out to the credit bureaus and asked them to correct the discrepancy. Attached are the letters that I have written to all XXXX credit bureaus, and also to the apartment complex XXXX XXXX. 

Kindly look into this matter and take appropriate action in accordance with laws to clear my credit history of this negative remark and collection at all the bureaus. I am in a process of buying my first home and this is negatively impacting my credit score and my ability to secure a Home Mortgage Loan. 

XXXX has already removed this off my credit report, I am requesting that you contact Equifax on my behalf and further investigate this matter. 

Thank you very much, and I look forward to your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items 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 items and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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