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

To whom it may concern I have a false report on my credit from XXXX XXXX Bank this account is not mines. I have no knowledge of ever working with XXXX XXXX Bank or opening an account Im sure its a case of identity fraud and I would like it removed from my credit report history, it is reported as Atlanticca The account reported as a late payment on XX/XX/year> And XX/XX/year> please help me resolve this issue and get it removed its preventing me from getting a mortgage and buying a home. 

Sincerely : XXXX XXXX XXXX XXXX Bank, which recently changed its name to SouthState Bank, N.A., partners with XXXX XXXXXXXX to bring you the XXXX XXXX Credit Card and certain XXXX XXXX XXXX. 


Because of the recent name change, you may see either XXXX XXXX Bank or SouthState Bank listed on your credit reports, Self documents, Self credit card, in the Self app, and elsewhere for a while. So please dont worry because either one is correct. 

XXXX
Product: Checking or savings account

I wanted a POD ( proof of death ) form and I contacted PNC 's retail support customer assistance department. I was told that I should go to a local ; branch. There isn't a local branch convenient so they told me to contact Ms. XXXX XXXX at XXXX and she needed info for the form. The info of the beneficiary needed was : Name, D.O.B., SS #, nationality, address & relationship. I've called her three times, get an answering machine which lists her hours and can not get a call back. Today I contacted PNC again and was again given Ms. XXXX 's hours ( XXXX XXXX XXXX  ) and to contact her. I've been a borrowing and checking account customer for over 20 years and can't get the common courtesy of a return phone call.
Product: Checking or savings account

On XX/XX/XXXX opened Wells Fargo consumer checking account and consumer savings account with a banker ( XXXX XXXX at a Wells Fargo branch. Checking account had a promotion for {$320.00} bonus after direct depositing {$1000.00} in 90 days and savings account had a promotion for {$520.00} bonus after holding a {$25000.00} deposit through first 90 days. XXXX verified my eligibility for both offers. I received savings bonus of {$520.00} with no issues, credited on XXXX 

I made employer direct deposits of {$250.00} on XXXX XXXX XXXX XXXXXX/XX/XXXX, and XXXX  for the total of {$1200.00} in direct deposits in first 90 days. Per the terms of the offer, I should have gotten the bonus within next 30 days. When no checking bonus was posted by XXXX, I called Wells Fargo at XXXX and spent XXXX minutes on the phone while they troubleshot the issue. Eventually, XXXX told me that her system showed me as ineligible for checking promotion because " Paid a bonus in the last 12 months '' referring to the pay out of the savings bonus on XXXX. 

I advised XXXX that the terms of the checking promotion listed the following : " You are not eligible for this o! er if : - You are a current owner of a Wells Fargo consumer checking account - You have received a bonus for opening a Wells Fargo consumer checking account within the past 12 months - You are a Wells Fargo employee '' Note how first and second bullet refer specifically to existing checking account or a checking account bonus in past 12 months, not a savings account bonus. Per the terms of the promotion, I should be eligible for the {$320.00} bonus. Attached printout of the promo.
Product: Credit card or prepaid card

I made a purchase at Macy 's in XXXX, ID for {$230.00} in XX/XX/2021. I paid with my Macy 's card and immediately paid the balance on the card with my debit card. I returned the items a short time later on and the cashier credited my Macy'a account. I don't use my Ma Macy 's card very often, so I asked the cashier how I could receive my money back. The cashier told me that I would receive a check in the mail in a few months from Macy 's for the amount of the credit if I had not used it. I waited several months and never received a check. I called Macy 's in XXXX of XXXX  to ask about the refund check. The woman on the phone looked at the account and said she saw the error and and offered to file a dispute. About 6 weeks later I received a check in the mail and assumed it was resolved. A couple of months later, I received a bill from Macy 's that showed me owing the amount of the refund check they issued. I was confused to say the least. I called Macy 's and the woman on the phone said she would file a dispute and that i should disregard the bill. The next month, I received another bill and disregarded it because that is what the woman said. The next month, I got another bill. I called again and i was told that Macy 's had credited my account even before they sent me the check. At this point, I told them I did not see that credit. They told me what days to look for the credit and I did, and did see the credit. At this point, I moved and did not receive mail for a few months. The next time I got a bill from Macy 's. it was for the initial amount PLUS fees and interest. That seemed ridiculous since this all started with THEIR mistake of issuing two refunds and then telling me to disregard bills and then trying to charge me for the time lapsed while they tried to figure it out. I have been trying to get this resolved ever since and e very month the bills just add more interest and fees. Macy 's makes the dispute process incredibly difficult on purpose and I have spent HOURS trying to negotiate with zero success. The debt has now been sent to a collections agency who says that I would need to fax them a dispute. I do not own a fax machine. I work full time PLS manage a XXXX acre farm alone.. I've wasted multiple lunch hours on this. I took today off of work to resolve this and feel incredibly frustrated. Every time i'm off work and try to call, they are closed. Whenever I call, I am speaking to an XXXX person who I have a very hard time understanding. Please help.
Product: Credit reporting or other personal consumer reports

These inquiries were not authorized by me and I firmly believe they are fraudulent. I implore you to conduct a thorough investigation and swiftly remove them from my credit report.
Product: Credit reporting or other personal consumer reports

It has come to light that you are not removing records as required, despite my having sent a copy of the FTC report. Since this is mandated by Regulation 605b of the FCRA, I am submitting this complaint to establish a formal response. If you choose not to block the following items listed below, which are inaccurately reported due to fraud, I will forward my documents to my attorney to initiate legal action. It is my intention to avoid pursuing legal action, so please comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Mortgage

I submitted my XX/XX/XXXX mortgage payment the overnight payment address at XXXX XXXX XXXX XXXX NJ XXXX was for {$2200.00} check number ( proof attached ) XXXX. 
XXXX delivered on XX/XX/XXXX ( proof attached ). I spoke to XXXX XXXX who stated it has not been received yet. 
The bank stated it was not cashed yet. 
I payed my XXXX monthly payment which they applied to XXXX and caused it to appear as though XXXX payment was not made. This is false. I contacted Ameri Home and a representative told me to email the research department at XXXX I did and called back in a week. This was XXXX XXXX. They stated Research did not have a phone number to speak to them directly. I continued to call and got a different answer each time. Some giving me a number that went back to customer service. By XXXX I spoke with a representative who told me I can not email this I had to fax the request to them. I faxed the request. On XX/XX/XXXX I received a letter stating the company determined the information was accurate. 
Regarding XXXX
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit union Regarding multiple Overdraft fees that I have incurred Despite having sufficient funds When transactions were authorize, I was charged Fees Due to lagged Posting of charges and credit. This issue aligns with the recent CFPB Findings against Navy Federal For similar Practices, Where transactions Settled With insufficient Balances Despite initially Available funds. I believe that these practices are unfair And request an investigation Into my account transactions
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report is showing late payments to XXXX - XXXX XXXX XXXX and XXXX XXXX XXXX  XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the banks customer service representative.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act ( FCRA ). The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX5 USC 1681. 

I told/informed XXXX, Transunion, and XXXX to reinvestigate and or remove these accounts : 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In addition to, the Credit Agencies stated everything was complete, accurate, and all the fraudulent items will be removed and or blocked in the 4 business days allowed with the law & in accordance to Consumer Law ( FCRA ) 15 U.S.C 605B & 15 U.S.C 1681 ; But the open date, date of last activity and much more is incorrect & fraudulent with these accounts on my Credit Bureau. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 

In conclusion, I would like to use the following Consumer Laws ( FCRA ) to my benefit in regards to my situation of Identity Theft and fraudulent, inaccurate & unauthorized items on my Credit Profile. The selected laws are as follows : 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 ], 15 U.S.C 1692c, 15 U.S.C 1601, 15 U.S.C 605B, 15 U.S.C 1681a-2, & 15 U.S.C 1681n.
Product: Credit reporting 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 Subject : Formal Dispute of Inaccurate Information on My Credit Report Dear XXXX Dispute Resolution Team, I am writing to formally dispute inaccuracies on my credit report, as these errors have significantly affected my credit standing. Despite multiple attempts to resolve these issues through your dispute process, the inaccurate information remains uncorrected, which violates my rights under the Fair Credit Reporting Act ( FCRA ).

I am aware of the recent lawsuit filed by the Consumer Financial Protection Bureau ( CFPB ) against XXXX, alleging failures in properly investigating disputes and addressing inaccuracies. The issues raised in that case mirror my experiences. These include : Failure to remove or correct disputed accounts despite clear evidence of errors.

Lack of transparency and adequate responses during the dispute process.

Re-reporting of inaccurate information after disputes were resolved.

Attached are the following documents to support my dispute : A copy of my credit report highlighting the inaccurate items.

Evidence supporting my claims, including payment records, correspondence with creditors, and previous dispute resolutions.

Identification documents to verify my identity.

I request that you : Reinvestigate the disputed items thoroughly and fairly.

Provide me with a detailed response and explanation of your findings.

Remove or correct all inaccuracies immediately.

Please note that if these issues remain unresolved, I am prepared to escalate this matter to the CFPB or pursue legal action to protect my rights.

I appreciate your prompt attention to this matter and request a response within 30 days, as required by the FCRA. You may contact me directly at XXXX or via email at [ XXXX XXXX XXXX ] for any additional information needed to resolve this matter. 

Sincerely, XXXX XXXX XXXX
Product: Bank account or service

Lots of money was stolen from my bank account at different ATMs I called Bank of America many times and they closed the case a few days ago and my account is negative XXXX.
Product: Student loan

I filed a complaint regarding this issue on stating the following : in early XXXX Mohela sent me multiple notifications ( digital and by mail ) stating that my Recertification was due and that to " Avoid missing the recertification deadline of XXXX XXXX, XXXX  '' I needed to Recertify or my payment would go up from {$410.00} to {$1100.00} and I would jeopardize my PSLF and loan repayment progress ( attached ) These threats were reinforced by banners on their webpage and constant reminders throughout the site. Out of fear of risking my progress, I recertified as instructed in XX/XX/XXXX. I contacted Mohela on XX/XX/XXXX when I was informed that I should not have been required to recertify. No one responded via phone and I sent a message and was told I would be contacted in 1-2 business days ( message attached ). No one contacted me but instead on XX/XX/XXXX I received a message that MOHELA Has Placed an Administrative Forbearance on my Account ( attached ). I followed up with Mohela the same day because I was concerned this forbearance would impact my PSLF progress. Once again I heard nothing. Now on XX/XX/XXXX, I received a notification that my new Monthly Payment Amount : {$730.00}. The language in the annual recertification is particularly concerning because when REPAYE Plan ( which I was on ) became the SAVE plan, I received a notice ( attached ) which stated : Annual Recertification You won't be required to recertify before payments restart in XX/XX/XXXX, and the earliest you could be required to recertify is six months after the payment pause ends. If your recertification date falls between now and six months after the pause ends, it will be pushed out by one year. This section in the new letter now states ; Annual Recertification The earliest you could be required to recertify is six months after XX/XX/XXXX, when the payment pause ended. If your recertification date falls between now and XX/XX/XXXX, it will be pushed out by one year. I believe MOHELA is deliberately misleading consumers to recertify earlier than required and threatening higher payments and risking loan forgiveness for failing to do so. Furthermore, when consumers ask for assistance, guidance or corrections, MOHELA becomes unresponsive or claims they can not assist. 


Now three agents confirmed on the phone that this issue would be resolved because my recertification date is XXXX AND being placed on forbearance because MOHELA needed time to correct this, The company made up a new date in XXXX. They replied to my complaint saying me recertification date is actually XX/XX/XXXX. Which does not match the date they wrote in their letter Dated XX/XX/XXXX. This is 100 % fiduciary negligence and they are simply making up dates to cover their mistakes after they already acknowledged that they were incorrect!!
Product: Checking or savings account

My savings accounts and CDs worth $ XXXX with Marcus Goldman Sachs was suddenly frozen about XXXX weeks ago and I have made several calls to ask why but they keep telling me they are looking into it but don't provide a specific reason. There is no clear deadline for when they will resolve this issue and my retirement savings are stuck in the account which is very concerning.
Product: Credit reporting or other personal consumer reports

I NEVER made these inquiries on my account! Please Remove!!
Product: Credit reporting or other personal consumer reports

Recently I reviewed my credit report and noticed several inaccuracies on my account. These account is hurting my ability to obtain credit. THESE ACCOUNTS WAS OPEN WITHOUT MY KNOWLEDGE AFTER I HAVE LOST MY PURSE WITH MY WALLET IN THERE. I HAVE BEEN DEALING WITH THIS ISSUE TO LONG AND NOW IM AM STARTING THE PROCESS OF CIVIL LITAGATION FOR THESE INACURATE ACCOUNTS BEING REPORTING. 

THESE ARE THE ACCOUNTS 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  15 USC 1681 and 1692 LAW which requires validation of DEBT.under 15 USC 1681b permissible purpose this illegal. I'm demanding for them to stop harassing me and causing me to have mental breakdowns that's effecting my life immediately. 

This debt has been Charged-Off by the Original creditor, which means, that the debt has been paid and is considered income. Since a Charge-Off is considered Income, it has to be removed. Income can not be reported on credit files
Product: Money transfer, virtual currency, or money service

I used leveraged money on top of my own to open a position with Robinhood upon cashing out the money to 1. Settle an account deficit per Robinhoods rules and regulations and 2. To withdraw the funds collected from the crypto that I profited I was surprised to see that my account had reversed charges and all of my linked bank accounts required further review I was not aware that trading a leveraged position using margin on a crypto currency would cause my account to need further verification and would leave the {$23000.00} dollars that were gained in financial limbo. Not only is the money sitting there in my withdraw-able cash portion of my account upon contacting Robin Hood I was told they would verify my accounts within 5-7 business days ( which they havent ) and that I need to contact their customer support on a separate ticket if the problem persisted, I did as instructed and was told theyd reach back to me in 2-3 business days ( which they also havent ).

Now I have no clue as to whether Im supposed to get a lawyer to access my money or to continue to wait a ludicrous amount of time while thousands of dollars just sit in limbo. I feel robbed and taken advantage of
Product: Credit reporting, credit repair services, or other personal consumer reports

Spoke with XXXX XXXX XX/XX/2020 and Disputed with XXXX, XXXX, and Experian in XX/XX/2020 reference to them reporting Account Status : Charge Off on my report and All Three Credit Agency reports different information. Also the amount of the car payment is incorrect {$560.00} and XXXX XXXX also reporting I still owe {$350.00}. ALL Credit Agency said Verified Information Is Accurate. I paid the car loan in full and the account was never sent to collection or written off. I have the car title and recorded conversations with employees and a letter from XXXX  stating the car was paid in full and my title would be mailed in which I did receive.
Product: Credit card or prepaid card

On XX/XX/2021, there was a charge for {$350.00} on my Chase Freedom card that I did not make. It was at a XXXX ( grocery store ), one that I frequent. I assumed this was fraud, disputed the charge, and it was taken off of my credit card. I thought everything was fine. 

Several days later, I realized that the same exact charge was once again added to my card. I called Chase, who then informed me that because the purchase was made in person with a credit card and I hadn't to my knowledge lost a credit card, it must have been me and therefore I was responsible. 

I called XXXX, and learned that the purchase was for {$350.00} worth of gift cards. They refused to give me any documentation about this. 

I was then back and forth between XXXX and Chase -- both of them were saying that they weren't responsible for anything. 

I eventually got in touch with Chase fraud. I told them everything and they said they would investigate further. 

I made a police report on XXXX 

On XX/XX/XXXX, Chase fraud department called me to investigate further. I told them that I had made a police report. They informed me that even though the credit card number was the same as mine, which was in my hand and I obviously hadn't lost it, there was something weird about it : there was a tag on it that meant it was the first purchase made with this credit card. They tried to swipe again, but the second transaction was denied. The card was never used again after this. 
I told them that we had been having issues with the mail in my apartment building getting stolen, and I would not have been surprised if somebody had stolen the card from the mail without my realizing it. I sent them the police report as well as an email from my building manager telling us that our mail was being stolen. 

I just received a letter dated XX/XX/XXXX that the claim was once again denied, and I will be responsible for all charges. 

I did NOT make this purchase at XXXX 's. It is very frustrating that such a suspicious charge as a bunch of gift cards was said to be valid, and that after telling my story, providing plenty of evidence, and trying so hard to work with them and be honest that I am still being held accountable for so much money that I did not spend.
Product: Debt collection

This debt is originally from XXXX healthcare. I have asked before healthcare multiple times to correctly verify the debt. I sent them a bulleted list of the information I need to validate the debt I wanted the payments made as well as each charge. They refused to do it. All they will do is send me statements with the balances. So it got sent to XXXX XXXX and they did not correctly validated either so they removed it. Now it is with Americollect. I sent them a letter stating that I need them to validate the debt and a bulleted list telling what I need according to the fair credit reporting act. They sent me back a letter it was actually very snotty basically saying we already validated which they had not. Maybe they were referring to when XXXX did it but again, XXXX never fully did. So, I had one account with this medical facility. They report each and every visit as a separate item on the collection records to make it look worse on your reports. I had one account. One billing account. They break it down just to get you even worse. They think that they can keep sending it to all these credit companies but again, no one has fully validated the debt. It doesnt matter how many collection agencies they send it to you I have a right to see the charges, dispute charges, compare to my insurance, etc. I also have a right to see each and every payment. They seem to think theyre above the law and refuse to give me that information. They want to just send me blanket statements and not actually address what I have asked of them. I have documentation of every letter I have sent and the bottom line is they are breaking the law.