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

I deposited a check to my account on XX/XX/2020, and I didn't know that my account was closed because I never received a notification before and that day I was able to log in a make a mobile deposit which it was accepted and it said that the money was going to be available within a week or so. That same time they called the owner of the check and she authorize it. After that I tried to log in to see if the money was ready but it didn't let me log in. I called the bank to see if they could help but they told me at the beginning that they had to investigate because and that they where to close my case once it was finish with the investigation. Later a few a days after I went in person to and the lady that helped me said that they thought it was a scam. Later days after I called in and they said that the case was closed and that the money was back in the check. A week a go I went to the bank where the check is from and they told me that they couldn't cash it out because the bank where i deposited has not return the money. That same day I called my bank and the lady didn't ask any info until I asked if I could speak to a supervisor which they told me that he was going to call me back and until this day I haven't received any call backs from them. It is really fracturing because that bank is not giving any solutions and all I received by mail was the few cents that was in that account and the letter that officially my account is closed but I just received it last week.
Product: Credit reporting

I had a credit card with Juniper/ XXXX and the interest went from 0 to 22 to 24 in less than 12 months. I called numerous times trying to work with them to get the rate reduced, because it was XXXX my payment too high for me to be able to pay it monthly. I called monthly for 3 or 4 months and they finally said the only way they could help was if I proved hardship. The Card rep said to not pay the bill for 2 or 3 months and then they would be able to reduce the rate due to hardship. I did not pay for XX/XX/XXXX, XX/XX/XXXX or XX/XX/2011 in hopes that they would reduce the interest as they stated. They did not reduce the rate, so I closed the account and borrowed money to pay it off. Is there any way to reflect this on my credit report or have this reporting corrected?
Product: Credit reporting or other personal consumer reports

Discovered I can not place a FTC report due to reporting, advised to report through CFPB. 
I did not consent nor authorize these companies for any service, at all. 
Called Experian to dispute several hard inquiries listed on my credit file. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

On XX/XX/16 and inquiry was made with this bank for a XXXX card by my ex wife and without my knowledge or consent.I was unaware until i gained access of my XXXX XXXX account.
Product: Student loan

I am a breath away from bankruptcy. I enrolled in a debt management program that is helping. I have XXXX, XXXX, XXXX extra income. I already made an agreement with evil incarnate Navient for the private loan. I simply can not and will not pay more. 

They typically call 3-4x per day, and I already have them hard blocked on both XXXX site and a 3rd party app that hangs up, but they keep calling. 

Today XXXX 3 calls XXXX 6 calls! ABSURD! 
XXXX 2 calls XXXX 3 calls CEASE AND DESIST! My next step will be to change my phone # to an unlisted private #. Navient needs to get it through their heads that repeated calls will not change circumstances!
Product: Debt collection

In accordance with the Fair Credit Reporting Act Convergent Account ( XXXX ) Name ( XXXX ) and Number ( XXXX ) : Credit Bureau : XXXX Account Name : XXXX ; Account number : 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 an account without my written instructions.
Product: Checking or savings account

Wells Fargo closed our checking account without any notice, claimed a letter was sent to old address. Student loans, also through Wells Fargo, were not autowithdrawn and reported as late on our credit report. We contacted Wells Fargo to resolve issue and pay student loans and Wells Fargo was unable to help in any way. We now have no way to make student loan payments.
Product: Checking or savings account

On XX/XX/2021 I opened a Citi savings account in response of their offer to award me XXXX XXXX XXXX miles as long as I deposited at least {$50000.00} with them for at least 60 days. I have done that, but the bank has not awarded the airline miles as stated in their offer to me.
Product: Checking or savings account

On XXXX XXXX 2017 I contacted Citizens bank and waited on the phone over 30 minutes to attempt to resolve this issue with them directly. I have gone out of town and there was an auto payment on my account that over drafted my account. The payment was in the amount of {$160.00} and Citizens bank charged me an excessive amount of {$160.00} in fees for this amount. I have never heard of any bank charging this. I have numerous accounts with this company and I now feel very concerned to be leaving my money in this account. When I spoke with a supervisor she refused to do anything but waive {$30.00} of the fees. I asked to speak to someone above her and she told me no one is above her. I asked her if the she owns the company? She said she does not but I am not allowed to speak to anyone else. I demanded to speak to someone else as I did not feel comfortable with her. She told me that I can write a letter about it to XXXX XXXX XXXX XXXX rhoad island XXXX. I asked her what her full name or badge ID was in which again she refused to give me. All I know is that her name is XXXX and she is a manager in account support department. I should be able to speak to someone professional about my account and not treated this way when I have all of my checking and savings numerous accounts with this company. I never wanted this account to begin with I was constantly pressured any time I would go to the bank to make a personal account there because they wanted to meet there quota for the month. I have even gone in to try to cancel the account because they charge a monthly service fee and they wo n't allow me to and try to talk me out of it and say just set up one deposit into there every month to eliminate this fee. There are many other banks in this area that will not charge these fees and I would rather use them. In addition to this I told XXXX I do not want to be charged excessive fees I want to close the account. She refused to close the account. She told me she will not close it I have a balance. I told her to take it out of my other account and close all of them I do n't want their services in which she still refused to do so. I do not feel my money is safe with this company and I feel they are predatory bankers based on my experiences with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed in a copy of my FTC report showing fraud on several accounts. I submitted the FTC report to all three bureaus ( XXXX, XXXX, Transunion ) and none of the accounts have been removed or updated from my current credit reports. They are in direct violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act.
Product: Checking or savings account

I filed my taxes and used my chime bank account because it was already on file with XXXX XXXX  for the prior year. After not receiving my taxes I called the bank to see where they might be and was notified on how my account was closed without reason before I filed my taxes. I checked with the IRS they said my taxes were sent to this account and still currently trying to contact the bank to trace my funds which theyve been unsuccessful at doing. I was hung up on by man representatives from this company while looking for my funds and they constantly say they havent received.
Product: Credit reporting or other personal consumer reports

I am writing this request to XXXX XXXX  that I have been a victim of identity theft and I want to dispute specific records in my credit file that is fraudulently reporting on my credit report. The account I have been challenging is the result of the fraudulent information that is damaging my reputation. and I want all the information in my credit report to be accurate. I have attached a copy of the FTC report to support this complaint with the report number XXXX.
Product: Credit reporting or other personal consumer reports

Your Name : XXXX XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone : XXXX Email : XXXX Date : XX/XX/XXXX Equifax Dispute Department Equifax Information Services LLC XXXX XXXX XXXX XXXXXXXX XXXX XXXX Dispute of Unauthorized Hard Inquiries on Credit Report Dear Equifax Dispute Team, I am writing to formally dispute unauthorized hard inquiries on my Equifax credit report. After a thorough review of my report, I identified several hard inquiries that I did not authorize, as listed below : Disputed Hard Inquiries XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I did not authorize these hard inquiries, nor did I initiate any actions that would have resulted in their placement on my report.

Legal Basis for Dispute Under 15 U.S. Code 1681b ( c ), only permissible purposes may warrant hard inquiries on a consumer report. These inquiries do not align with my credit application history, nor did I grant any creditor the necessary authorization. Additionally, 15 U.S. Code 1681c-2 states that a consumer reporting agency must block the reporting of any information resulting from identity theft or unauthorized actions within 4 business days of receiving notice.

Pursuant to the Fair Credit Reporting Act ( FCRA ) : I have a right to privacy and confidentiality under 15 U.S. Code 1681 ( Section 602 A ), and these unauthorized hard inquiries are a violation of that right.

Under 15 U.S. Code 1681i, I have the right to dispute inaccurate or unauthorized entries, and the reporting agency must investigate and correct any errors.

Requested Action Please remove the listed inquiries from my credit report within 4 business days of receiving this notice. Failure to resolve this matter may lead to further claims for statutory damages for unauthorized entries on my report, as these hard inquiries impact my credit score and financial standing without my consent. 
Thank you for your prompt attention to this matter. I look forward to confirmation of receipt of this dispute and the resolution of my credit report. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX on XX/XX/18 shows on Inquiries on my credit report in which I did not request any new credit or credit increases or ask for any thing from XXXX XXXX
Product: Credit reporting or other personal consumer reports

CITICARDS/ CBNA has charged off account ending # XXXX XXXX XXXX XXXX Charge-off. Write off of a debt and termination of servicing activity without release of liability. XXXX XXXX XXXX states charge offs are reported as income to the principle, and is a cancellation of debt. This account is reporting as a debt when the debt has been written off. 

15 USC 1681 " 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 '' CITI and XXXX have not complied with the opt out requests. 

12 CFR 1016.7 " A consumer XXXX exercise the right to opt out at any time '' I have requested from CITI and XXXX and XXXX to opt out of that reporting nor was I given the proper disclosures to opt out. They are violating my rights by denial of opt out and non disclosure of opt out. 

CITI the financial institution and XXXX and XXXX, any and all consent, XXXX non-verbal or verbal, written or implied or otherwise is revoked.
Product: Money transfer, virtual currency, or money service

On XX/XX/2019 I initiated an ACH transfer to Coinbase since my only given was the ACH. 
I purchased XXXX dollars so I can exchange it to digital currency. 
After the purchase according to the agreement the funds to be ready within 3-5 days and after were cleared and in the history section it will show complete in green. 
I then waited and then when I checked my account the statement stated the transaction was complete. When I went to send the money out much to my surprise my account was a XXXX balance available to move. And I had a waiting period of 17 days before I can move or send money. 
This was not disclosed otherwise I would never have done it. 
I opened my account I went through various steps of identification. They validated my bank and debit card digitly and then I had to wait due to making sure than they were protecting me from fraud. I have a question if money was ached and then cleared there is no reason to protect my currency. Everything went fine. After much research i found out this happens to many many clients. Some never get their monies back. This is a scam and as a US based company it is a shame and a crime to nor have full transparency and disclosure policies.. The coustumer service is not helpful. Email goes to a deaf ear. It always is the same response to go and see question and answer pages. The company does not specify the holding time. Till your purchase is complete then it shows that your funds will be on hold for certain days. 
They claim during the purchase it show the waiting but that is a lie and a misleading statement they try to confuse you and they do a great job. After all they have been practicing this unethical act for years. 
I want accountability. They need be forth coming with their policies. They may not publish a partial part of their polices and expect us to read between the line. I have XXXX dollars as of now and it will fluctuate on the next few days. 
Their terms should be visible requiring a digital signature and then maybe the consumer will choose not to sign up. They state that the personal information is not shared. Another lie. They track your spending which is a violation This is a platform only that states the owner of the account has complete power over their wallet. 
Then why is my urgency held hostage? I like to see companies to take accountability and the greed not to take over. 
My research of various sites such as FTc has indicated that this is done to gain interest while holding the currency. So if you are going to take money from me at least admit it and take accountability and donr act life a coward all my 12 plus emails have gone to deaf ears. They do not give you a choice but the ACH which they know they can hold the funds this is unethical/ criminal and needs to stop
Product: Credit card or prepaid card

I attempted to use my Macy 's store card on XX/XX/XXXX and was told that the store card had been closed. I assumed that it was due to non-use because of the covid situation. I am a XXXX and have a seasonal home in Florida. I had been a client of Macy 's since XXXX with excellent credit rating and payment history. I attempted to reapply but was told that Macy 's did not accept XXXX information. I wrote to the president, XXXX XXXX and was answered by MrXXXX XXXX XXXX that all XXXX accounts had been closed. 

I feel that this policy is discriminatory under the federal Equal Credit Opportunity Act under the section national origin. Department Stores National Bank decided to close all XXXX accounts and it is now impossible to apply for a store credit card without having US government issued ID, which for me is impossible. 

I am a US homeowner, had been a client of Macy 's since XXXX and feel that better care should have been made in the selection and retention of well-paying customers. Why are canadians not allowed to benefit from the advantages and rebates of this store?
Product: Credit reporting

The information on my credit report does not belong to me. The name, date of birth do not match mine. The false information has been affecting my life as a college stundent. I canoot get student loans, car, credit cards, or even rent an apartment due to the false information on the credit report.
Product: Consumer Loan

While reviewing my XXXX credit report, I noticed an unauthorized and fraudulent inquiry by SYNCB on XXXX/XXXX/2016. I did not authorize any employee of this corporation to review my report for any purpose at any time. Further, I personally contacted SYNCB to delete this adverse information and for all intent and purpose, to provide me with any signed documents authorizing them to review my report within 5 business days, SYNCB has failed to do so in clear violation of my civil rights under FCRA and Privacy Rights Acts. To that extent, I have continued to suffer irreparable economic loss, including but not limited to my inability to securing meaningful employment, housing and/or obtain new credits.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian was provided an identity theft affidavit but failed to rectify the consumer 's report. The recent inquiry by XXXX XXXX XXXX was performed because someone, whose XXXX XXXX  XXXX could not successfully verify ( and, therefore, is reasonably assumed to be someone other than the account holder ), had applied for credit using XXXXXXXX XXXX credit report XXXX However, Experian has ignored the identity theft affidavit or information provided by XXXX XXXX  XXXX about the nature of the inquiry performed.
Product: Credit card or prepaid card

I was under the impression my credit card company was still helping me resolve an issue with one of their merchants. I have a letter from them dated XX/XX/2022 stating they are researching the issue. When I called to follow up, a supervisor told me that case is closed and there is nothing they can do. It seems they went with the original response from the vendor that stated I did not cancel in 72 hours and then discontinued investigating after I sent them numerous proof that the information the merchant sent was a total lie and fraudulent. I even went to small claims court where I was awarded the Judgement. The merchant will not communicate with me. My credit card company has had the only successful contact with them. I am trying to work with my credit card company to resolve this. I sent numerous proof that the merchant is a fraud and should not be able to scam people the way they did to me. I would like them to open up the case and attempt to contact the merchant who owes the credit card company or me a refund based on the courts judgement.
Product: Mortgage

On XX/XX/21 I received an Escrow Account Disclosure Statement disclosing that my escrow account was short of XXXX. In the past whenever, I have had a shortage with my escrow I was given the option to pay the shortage to avoid my mortgage premium changing. I called and requested to pay the shortage and was told I couldn't and that my mortgage premiums would increase. In the past I have had shortages of over XXXX and was given the opportunity to pay to avoid this situation. I spoke with an employee ( Employee ID XXXX and he spoke to someone from the Escalation Dept. and they were not able to assist. I asked for policy to explain why they couldn't follow the procedures that most mortgage companies follow in the industry and couldn't find any additional information. It's a small amount, but in this COVID environment I am trying to ensure that my mortgage does not increase ; especially when it can be prevented.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These items listed are not mine and need to be deleted from my credit report. 
Company Inquiries : XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$950.00}, {$230.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS -- 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$950.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$230.00} -This is not my account. 


-- COLLECTION ACCOUNT -- 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Checking or savings account

Wells Fargo has charged me over and over with overdraft fees, frozen my account, I reached out to them before the pandemic cause someone committed fraudulent against me and I'm XXXX and XXXX American and asked for their help and they changed me and called the credit bureaus and they still are charging me overdraft fees as I fill out this form
Product: Student loan

MOHELA has failed to put my loans in a 60-day processing forbearance while reviewing my IDR application. I was previously enrolled in SAVE, and in XX/XX/year> my loans were placed in a forbearance ineligible for PSLF. On XX/XX/year> I submitted an IDR application, requesting to be removed from the SAVE forbearance immediately ; MOHELA never acknowledged or took any action that application. On XX/XX/year>, I submitted another IDR application, for PAYE, and again requested my loans be taken out of the SAVE forbearance. Shortly thereafter, MOHELA acknowledged receipt of my PAYE application but did not change the status of my loans, which remained in the SAVE-related forbearance. On XX/XX/year>, I called MOHELA to ask about the status of my PAYE application; the representative I spoke with told me that MOHELA is backlogged and would need more time to process it. But my loans are still sitting in the SAVE-related forbearance. It has now been nearly two months since I first submitted a new IDR application and requested to be taken out of the SAVE forbearance, and Mohela has neither processed my application nor placed me in a PSLF-eligible forbearance while it take the additional time to process it and issue me a bill.