23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XX/XX/XXXXCredit Report Confirmation # XXXX dispute is with the negative entry by Bank of America XXXX BOA XXXX. 

When making the telephone call to cancel ( close out ) my BOA credit card I told the woman I talked with that I wanted to sever all contact with BOA. She replied in the affermative that it would be done. Then said that in the event that a charge should appear I want it disregarded and no charge for insufficient funds as my account was closed. She had to talk with her supervisor about this. After this consultation she told me that it was okay. No further activity on my account would occur. I am absolutely positive about this conversation. Am not so sure about the following. 

Sometime thereafter I received a charge from BOA. Believe the charge was for insufficient funds. Believe that I called BOA and told them of the arrangement concerning my account closing. I may have received an additional bill by mail but did not receive any more invoices. 

I assumed that everything had been settled with BOA until I was turned down for a credit card with XXXX XXXX Bank. Got a credit report and found the negative entry from BOA. Before cancelling my BOA credit card I had previously cancelled ( closed XXXX my bank account. This account was closed because they made errors, one very significant. The branch manager could not believe how badly they had messed up! Now they made another error and they are making me pay ( with a bad credit file ) for another oftheir mistakes! 

How long are recordings of conversations with banks kept? My credit file indicates that the problem probably started in XX/XX/XXXX. So my initial tel conversation with BOA probably occurred a max of XXXX months prior. So the voracity of what I said should not be too difficult to confirm. 

Many thanks for your investigation of this matter. I have long been a fan of the CFPB since XXXX XXXX initiated it. XXXX further impressed with XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXXXXXXXXXX
Product: Money transfer, virtual currency, or money service

Complaint Details So I received a {$4700.00} direct deposit early Tuesday morning like really really early so I was sleep. When I woke up I had notifications from cash app that I sent some money to someone so I get on my cash app and I have a unauthorized sent payment for my whole {$4700.00} so of course I file a dispute with cash app. They reply and tell me to answer some questions which I did. Fast forward to this morning wed XX/XX/2020 I get a email from cash app saying they are denying my claim because even tho the payment wasnt sent by my device ( and this is the only device I have and the only device I've ever used to access my cash app ) but even tho the payment wasnt sent from device apparently the payment was sent by a device that Has accessed my account before ... .and so they do not have enough evidence to get me my money back ... Wow really if someone hacks your account and you don't have cash in it at the time but you show that you are active on cash app chances are they are either going to stay logged in to your account until u get some money in it or they are going to keep checking the account until u get money in it. I had {$4700.00} stolen out of my account money that I need to take care of my family my kids I mean come on we are going thru a pandemic and cash app denies my dispute and let 's some low life hacker get away with my {$4700.00} that's unbelievable what kinda of company does that. I don't know what I'm going to do now I can't pay my rent or nothing. Oh and if someone hacks your account and they access your account more then once and then send a payment cash app will say that whatever device the hacker used is now a known device and will not help you they will deny your claim even tho they ask you what devices you have used to access your account and in my case my XXXX phone is the only device I have accessed my account with. They still will say the device that isn't yours and you have never used to access your access is a known device. I'm pretty sure they can see the IP address and device I use is completely different from the hackers IP address and device. I have contacted cash app support they didn't help so I have filed a complaint with the XXXX  now with the CFPB and next I'm going to file a complaint with my state AG and work my way up cash app chain of command and email the higher ups.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the accuracy of the charge-off and collection account listed on my credit report under the account number for XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX. According to the information available to me, this account is being incorrectly reported, and I have grounds to dispute it based on violations of the Fair Credit Reporting Act ( FCRA ).

15 USC 1681 ( e ) ( B ) : Under this section of the FCRA, I am entitled to accurate information. The report in question contains inaccuracies that do not reflect my true credit history. I have attached documentation to support my claim. Furthermore, according to FCRA 1681i ( 5 ) ( A ), relevant agencies must investigate any items that are disputed within a reasonable time frame. I am requesting that your agency promptly initiate an investigation into this matter and verify the validity of the reported information. Please provide me with written confirmation of your investigation results and the actions taken.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  reported on my account in XX/XX/2019 late payment. They hav n't show us any proof of late payment after multiple request, and Then I request them to take this off my report and every time they asked us to send them a letter and they will take care of it. its been over 4 years i sent them multiple letters and they are not solving the problem that was created by them. they dont wan na handle anything over the phone and letters they are not responding us from last 4 years.
Product: Vehicle loan or lease

The loan is still showing on my credit report even though the account it closed.
Product: Bank account or service

On XXXX/XXXX/2016 I accidently sent a payment to M & T Bank to a closed loan ( XXXX ) from XXXX. This was my mistake. I called M & T Customer Service multiple times and was told it would be returned to XXXX XXXX Bank. It never was returned. On XXXX/XXXX/2016, I called M & T again and was told sorry the money was still at M & T. To speed things up they could put in a checking account at M & T within 48 hours. As of XXXX/XXXX/2016 I still do not have my money back, and they now refuse to tell me when I will have my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I let you know that I had been a victim of identity theft XX/XX/21 and submitted an identity theft report but only part of the information was deleted by Equifax. Please delete these other accounts.
Product: Credit reporting or other personal consumer reports

As a protected consumer under federal law, specifically the Fair Credit Reporting Act ( FCRA ), I am disputing several unauthorized inquiries on my credit report. These inquiries appear on my report without my knowledge or consent, raising concerns about potential identity theft or a violation of my rights under the FCRA. According to FCRA Permissible Purposes ( Section 604 ( a ) ( 3 ) ) it requires credit reporting agencies to have a " permissible purpose '' to provide your report. Unauthorized inquiries wouldn't fall under any permissible purpose. Remove these unauthorized inquiries immediately from 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 XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian refuses to block/delete fraudulent items even after I sent in my identity theft report and proof of identity. This is a violation of section XXXX. This is also Defamation, Fraud Enablement, and willful non compliance. I submit thus complaint as a record as a disregard to the FCRA law
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, and Experian has repeatedly continue to report inaccurate information as verified which is a lie. My high balance on my credit report do not match. please review my credit report. Inaccurate information is not verifable. They are violating my rights due to 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. 

Delete these accounts from my credit report : XXXX : XXXX, XXXX XXXX ( Original Creditor : 01 XXXX XXXX ) : XXXX, XXXX XXXX  ( Original Creditor : XXXXXXXX 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

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : U S DEPT OF ED/XXXX, DEPT OF ED/XXXX, XXXX XXXX   XXXX, XXXX  XXXX  XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX   XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX   XXXX, XXXX, XXXX  XXXX XXXX XXXX, XXXX/XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX  XXXX, XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX/XXXX/XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX  Company Inquiries : XXXX XXXX XXXX XXXX  XXXX  XXXX/XXXX  XXXX XXXX  XXXX. 
XXXX XXXX  XXXX  XXXX
Product: Credit reporting or other personal consumer reports

Please look into my claim in compliance with Fair Credit Reporting Act regulations. Please remove any unauthorized inquiries you identify as soon as you can, and provide me a copy of my updated, accurate credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Student loan

I called Navient in hopes of discussing lowering my interest rate, understanding why there was a sudden increase in my monthly bill, and why after years of no missed payments my total amount owed appears to not be decreasing. When I called to discuss the matter they refused to answer any questions about the increase or discuss lowering the interest rate. Instead, they tried to talk me into deferring my loan even though I reiterated the issue was not in making the monthly payments, but in how the money was being applied. After three years of missing no payments, my loan is nearly double the amount it was when it was started, and if they will not even discuss the matter of the 8 % daily interest, it will never be payed, no matter how long I continue submit timely payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, on my credit report are a clear violation of 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 : States a consumer reporting agency can not furnish an account without my written instruction.
Product: Checking or savings account

I was scammed through XXXX XXXX on XX/XX/XXXX. A person claimed to send me money for an item through XXXX ( {$300.00} ). I then got a fake email from XXXX saying to receive this amount I must upgrade to a business account by having the customer send XXXX {$200.00} and then I send it back. Never using XXXX before I sent the {$200.00} back to the fake account and received no credit. I received no goods or services I was simply scammed by fake accounts. My bank denied the dispute that I opened after sending emails and messages to them regarding this transaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN is refusing to remove a public record and continues to say that they have verified the information with XXXX even after the alleged public record was deleted from all XXXX files based on their inability to verify the information about the public record.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous disputes regarding a late payment reported on my credit report for the account listed below. Despite my earlier communications and the documentation provided, the late payment remarks remain on my credit report. I would like to reiterate that it was never my intention to have a late payment, and I am kindly requesting the removal of this remark. 

I have consistently demonstrated my commitment to maintaining a positive credit history and have a strong record of on-time payments. The late payment in question was an unintentional oversight due to an unexpected financial hardship. Since then, I have taken steps to ensure that this does not happen again. 

As a responsible borrower, I understand the importance of timely payments and have always endeavored to uphold this standard. The presence of this late payment remark is not reflective of my overall payment behavior and is negatively impacting my credit score.
Product: Money transfer, virtual currency, or money service

I transferred {$700.00} to purchase a pet I found on XXXX XXXX XXXX on XX/XX/2020. 

I transferred the money from my personal checking account through XXXX, which is the " recommended '' money transferring service when I log into my BANK OF AMERICA account. 

The next day the individual I agreed to purchase the puppy from turned off his phone and I have no other way of getting a hold of him. 

I have since emailed XXXX XXXX XXXX XXXX and have not received any correspondence. 

Also, I have contacted my bank, BANK OF AMERICA, and their only advice was to contact the FBI. 

I have issues with this because as a customer of BANK OF AMERICA they recommended using XXXX, which I'm sure they get some kind of huge kickback on. 

YET, when an issue arises, they refuse to take ANY responsibility or help in ANY way because they aren't " affiliated '' with XXXX. 

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

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX {$88.00} XXXX  XXXX {$670.00} XXXX XXXX
Product: Student loan

I began making payments using the Nelnet website in XXXX XXXX each time I submitted an online payment a confirmation was emailed to me. After two months of making these online payments, I then received an email saying my account was delinquent.

After waiting approximately one hour on the phone, I was finally able to get a person to speak to. This person confirmed my account was past due and admitted that they noticed I had attempted to make payments. They offered no real solution other than to check my account information which was correct. I was able to make a payment at this time successfully.

After the situation, I decided I would no longer use the website. The following month I once again called the provider to speak to a person and pay that way. I was once again successful.

My confidence grew in the organization and so I decided to make payments using the telephone automation. I made two consecutive payments using this method and received confirmation on each occasion. However I received an email the following month that my account was placed in forbearance for non-payment. 

Nelnet has not provided any insight as to how this is occurring. Several employees informed me that my payment information must have been incorrect as they could not locate the account. I have verified it several times and each time it was the correct information I spoke to my bank ( XXXX XXXX ) and solicited advice. They advised me to set up online payments through them instead of Nelnet. I attempted to do this, however I needed more information than my account number. Nelnet refused to give me this information and told me to handle it all through my bank.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any following items on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the following items which do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX  XXXX XXXX : {$0.00} ; XXXX XXXX Balance : {$390.00} ; XXXX XXXX XXXX  Balance : {$0.00} ; XXXX XXXX XXXX  Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$670.00} ; XXXX XXXX XXXX XX/XX/2023 ; XXXX XXXX XXXX 
According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft. My personal information has been used to obtain goods and services. I contacted EXPERIAN and told them that this Fradulent Account are fradulent and provided proof, even though they told me that this Fradulent Account were verifed. Please dispute and remove this fradulent information from my credit report XXXX XXXXXX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I requested multiple times for my dispute/claim to be reopened as they continue to close it, they said that it is going to take another 90 calendar days to investigate my case despite it being closed in my favor and refunded to the bank Chime by XXXX. 

I opened a case to dispute a fraudulent transaction with a merchant that did not provide service or product. I filed with Chime to XXXX and a dispute/claim was opened, for months now i've been going back and forth and XXXX has informed me they refunded the money to Chime, but Chime continues to tell me that i need to wait for another 90 calendar days when they close and reopen my dispute nonstop. I have screenshots with XXXX stating that they have refunded the transaction and that my Bank should have sent me the funds. Chime states they need more time to investigate again and has not sent me the funds, they told me the latest update on this case i could get is for XX/XX/XXXX since the claim was reopened after another denial from Chime. 

The transaction was for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Most of the communication with Chime is by phone only as i can not chat with an agent via app.
Product: Checking or savings account

Block Inc. and/or cashapp have closed my account with them suddenly for no reason. I requested information about the reason and they refused to provide one. They referred me to their ToS ( Terms of Service ), but I had done nothing to violate them in anyway. I was told I could appeal, but then was told I wasn't " eligible " to appeal and that the decision was final. I wasnt given any other reason or context and there is no way for me to move any further in regards to finding the actual reason, or getting my account reinstated. I first contacted the comptroller of the currency, but they referred me to the CFSB.
Product: Mortgage

Wells Fargo Incorrect Mortgage Payment history I made Payments On the loan on XXXX and XX/XX/XXXX and Wells Fargo reported it as late non payments which is false. XX/XX/XXXX Wells Fargo Sold/Paid off the loan when I was current on my Monthly payments ( Exhibit A ). Wells Fargo never informed me that the loan was sold/paid off but instead filed foreclosure on a home loan they no longer had possession of which is fraudulent. Im Disputing and requesting the Loan payments on my credit report from Wells Fargo to be removed from the dates XX/XX/XXXX to XX/XX/XXXX from my credit report. Wells Fargo dismissed the foreclosure case in XX/XX/XXXX when admitting an error regarding foreclosure and payment history. Then I was given a release of mortgage which was given to me regarding my home mortgage account with Wells Fargo. When the Release of Mortgage should have been giving to me back in XXXX not XXXX. This false information by Wells Fargo is adversely affecting my credit report. 
Well 's Fargo response is inaccurate. Again Wells Fargo Sold the loan in XX/XX/XXXX when I was current on my payments and never Notified me that the loan was sold. I'm not talking about the foreclosure in XXXX that was also dismissed by Wells Fargo, I'm taking about the foreclosure in XX/XX/XXXX when the loan was Bought out by XXXX  The loan was sold in XXXX and the Billing statement from Well 's Fargo in my attachment confirms that. Well 's Fargo is speaking in circles and Avoiding the facts of my complaint. Well 's Fargo admits that XXXX and XX/XX/XXXX mortgage payments were made for those months on time. Why is it showing as 30 days late, and unpaid on my credit report for those months which needs to be corrected. Also again Well 's Fargo no longer had possession of the loan after XXXX then filed foreclosure. Meaning that the payment History from XX/XX/XXXX to XX/XX/XXXX should be removed from my Credit report.
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 Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

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 XXXXXX/XX/year> XXXX XXXX XX/XX/year> 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.