23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On XX/XX/year> my Chase Credit Card was fraudulently used on two separate occasions that same day ( XX/XX/year> ). Chase sent me a text message asking if I was using my card to purchase tickets on XXXX and I replied no. One transaction was for {$2000.00}, another was for {$1000.00}. The transaction for {$1000.00} was stopped. When I noticed the fraudulent charge for {$2000.00} posted I called Chase card fraud services ( phone number : XXXX ) on XX/XX/year> and filed a dispute. I explained that no one has my physical card, I have not given permission to anyone to use my card, and that I did not purchase anything from XXXX. The employee advised me that we will take care the charge and it was taken off my account. As of today, XX/XX/year>, checking my account the charge from XX/XX/year> is now on my account in the amount of {$2000.00}. I have not received any correspondence from Chase regarding this. Once again, this is a fraudulent charge and am disputing this. Thank you for your time.
Product: Credit reporting or other personal consumer reports

XXXX continues to ignore my rights under the Fair Credit Reporting Act ( FCRA ) and the Consumer Credit Protection Act ( CCPA ) that protect me as a Victim of Identity. XXXX continues to ignore official documents of a XXXX XXXX Police Report and a FTC Report. XXXX continues to state my documents are not official with no proof in proving my documents are not official. XXXX continues to do nothing when it comes to my many disputes to remove Best Buy and many Inquiries due to Identity Theft. I have included to XXXX all letters from the lending institution stating that their Inquiry/Inquiries reporting on my credit report is due to Identity Theft. By providing the letters from these various lending institution dealing with their Inquiry do to Identity Theft, this alone gives XXXX the proof to Delete and Remove all Inquiries that match up with the letters stating that their Inquiry/Inquiries are Fraudulent. Also providing a copy of my letter to Best Buy sent certified mail to Best Buy is further proof of Identity Theft. Along with the FTC Report and XXXX XXXX Identity Theft Police Report. What more does XXXX require and want as proof of my Identity Theft.
Product: Checking or savings account

I had opened a checking account with Citibank on XX/XX/XXXX and was waiting for the card to be sent in the mail. A few weeks go buy I tried to deposit checks via mobile app but always failed to work so I used my old bank account with a different bank because direct deposit had not worked yet it was taking time and I was being impatient. So it looked like I deposited the check twice to Citibank but I never spent the money and made sure I paid the fees for doing that. Fast forward to XX/XX/XXXX they told me my account was gon na be closed in 60 days. I wasnt able to turn off direct deposit in time to stop them from receiving a paystub ( {$1200.00} ) from the XXXX so I called them and they said to make sure I removed it from direct deposit and I would have to wait XXXX  days until they can mail it back to my address I provided to them. Fast forward to XX/XX/XXXX I called them again asking about the remaing balance because i had not recived an account closure item in the mail detailing why it was closed and the remaing balance that was sent to them. I was then informed by them They are requesting a " harmless claim '' to be sent from the bank/third party sender my employer uses ( XXXX XXXX in order to release the money back to XXXX to be distributed back to me. I informed them there was no legal action I am seeking I just wanted the remaining balance sent to me by mail like it says in their policy. But was told they couldn't do that and hung up.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results
Product: Checking or savings account

In early XX/XX/year>, I received a promotional mailer from Wells Fargo Bank ( see attached ). It promoted that we would receive a {$2500.00} bonus if we open a Premier Banking account and held a balance of {$250000.00} or more for 90 days in a linked account. 

I went into the local WF Bank Branch as promoted and spoke with a Premier Banker. Over the course of two days and two long hours at his desk, I/we opened a premier banking relationship and account. The banker was not aware of the WF promotion but with the mailer and the promo code he entered the code into the system in setting up the relationship. I transferred funds from another bank to meet the requirement of the promotion. I did that on XX/XX/XXXX and that can be seen and validated in the account. The premier banker handled all of this while I was sitting there. I asked if I could maintain that balance in the Platinum Savings that is linked to the Premier Checking. He looked into it and said that I could so I transferred the balance to our linked account. 

Now, 99 days later, well past the 90 day mark, WF is saying that the Platinum Savings account was not linked to the promotional offer, only the checking account. That is not clear in the promotion at all. Further the Premier Banker did not specify that and said that it was ok to hold in the linked Platinum Savings account. He even called his hot line and other bankers in the branch to help him with entering this promotion successfully in the WF system. 

I relied upon all these matters done in the local branch per the promo, with a Premier Banker. I did what I thought the promo specified as conditions of the offer. After the fact, WF is saying that I and the branch bankers misunderstood what a linked account was and that the balance needed to be held in the checking account, not the linked savings account. I have had two different bankers look this over and also the WF Customer Advocacy team. After considerable consultation internally, they determined that the promo offer was intended only for checking and not checking and savings which are under the same WF relationship and linked. 

If professional bankers at WF took hours to figure this out AFTER the promotional 90 day period was up and I had done all that I understood from them was required, how could the average banking consumer understand the requirements. I am a pretty savvy financial person and I took the WF promotional offer at its word. I think that the marketing by WF is deceptive, almost a bait and switch. I have worked at two different branches and called their customer service line to resolve and so far no resolution. They are indicating that they will still look into it and I have a CS reference number from them but they are leaning toward the fact that it was not set up properly by WF at the beginning with it in checking only and thus I am not eligible for the {$2500.00} bonus.
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 U.S.C. 1681 Account : XXXX XXXX XXXX Account # XXXX Account : XXXX XXXX XXXX  # XXXX Account : XXXX XXXX XXXX # XXXX XXXX XXXXXXXX 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 an 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, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681 's ( 2 ) ( 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

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 

XXXXXXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment History XXXX XXXX XXXX and all payments were placed in Autopay. This late payment that is reporting is a result of a systematic error on their end processing my payment. This was clearly a billing error made by the company and it is not a reflection of my payment which violates USC code 1681eb. This error has caused severe hard to my Reputation, my character, my mode of living and to my family! I demand the late payment reported in XX/XX/2023 to be removed. XXXX XXXX never sent any periodic statements along with the disclosures from section 1637 ( b ) therefore there is no record of this late payment. 
XXXX XXXX - XXXX
Product: Student loan

On Thursday XX/XX/, 2019 I attempted to contact my private loan servicer ( FirstMark Services, a division of NelNet ; original Lender : XXXX XXXX  ) about the following issues : 1. Clarity on Why every time the loan switches hands the monthly payment is adjusted lower automatically. I had previously attempted to pay off the loan quicker by increasing my monthly payment amount but this auto-payment is regularly decreased by the loan servicer. It seems to me this is a tactic to just collect more interest over the life of the loan.

2. Requested to lower my interest rate. In the over 13 years since this Law Access Loan was issued, my credit score ( XXXX ) and financial profile has naturally improved dramatically. The interest rate is very high ( 6.2 % ) and I believe I should be able to negotiate with my original lender to lower my interest rate. I was told by the agent and then again by the " supervisor '' the only way to decrease my interest rate is to refinance with another lender. This loan has costed me over 65 % of the original loan value in interest alone and in any other financial sector a lender would allow you to refinance or renegotiate a better interest rate on the same loan/lender. Forcing me to refinance with another lender will affect my credit score due to the length of credit history ( newer account ) and the credit inquiry involved. Also my options are limited with other lenders because I am attempting to lower my interest rate on a small balance left on private loans whereas my balance on federal student loans is still quite large and many of the lenders I have approached are not approving me ( due to the other outstanding federal loans I have on IBR ). 

I have not been contacted by the supervisor 's supervisor as was promised.
Product: Debt collection

Accepted Settlement Offer ( See attached and did make payment on-time each month ) However, the creditor still reporting to the credit reporting bureau this is a charge-off account since XX/XX/2020.
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below, which still appears on my credit report, even after your investigation. I would like this matter reinvestigated immediately. The inaccuracies are extremely detrimental to my credit rating. Account Name : XXXX XXXX XXXX XXXX XXXX, Account Number : XXXX. 
Pursuant to the Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, Subpart A-D, please provide the names and business addresses of each individual with whom you have verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Product: Credit reporting or other personal consumer reports

After sending complaints here in CFPB these negative items are STILL reporting and my complaints have NEVER been resolved. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE. I am the primary consumer of the complaint and there is no XXXX  party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Product: Mortgage

This complaint is in regard to a XXXX XXXX, originated in XXXX, and modified in XXXX by XXXX XXXX For XXXX years I applied, and kept applying, for a modification. XXXX constantly lost documents, or needed something they had forgotten to mention. I copied and faxed hundreds of documents, many the same documents over and over. There were more 'personal agents ' than I could keep track of. At XXXX point it was my full time job, and the stack of papers I accumulated was about XXXX inches high! 
I was a single mom with XXXX child, when I purchased this home in XXXX. During my career I was self-employed : I worked as a XXXX XXXX XXXX XXXX XXXX In XXXX I refinanced my home to help my son pay for college, and to do some needed repairs to the house, XXXX XXXX XXXX at the time. 
When the financial/mortgage crisis hit, I slowly lost clients, until I had NO work. In XXXX I first applied for the loan modification. Finally after XXXX years a certified package arrived, offering me a modification, and I had XXXX days to decide. If their terms were not accepted, I would be in default and lose my home. 
Thing is, the terms do not make sense. After an initial period of payments, the rate would rise to XXXX %, for the remainder of the term in XXXX. But the deal does not add up. After I have paid XXXX years I will still owe {$170000.00}! More than half of the original loan of {$300000.00} will still be owed. 
When I finally took action on my feelings of fraud I called Chase Bank, loan modification division. I was told 'nobody was supposed to keep those loans '. There was nothing Chase could or would do for me. Shortly after that conversation my loan was sold to a third party. Over the years I have tried to refinance but first I was self-employed, and now I am retired. I have never been late on XXXX mortgage payment since the loan modification in XXXX, have excellent credit that I put a lot of effort to resurrect, but get nowhere. 
The last time I tried earlier this year I was working with a loan broker that was confident he could help me. Nope. Nada. Nothing. He worked quite diligently and the only thing he could say is he felt the mortgage was being misrepresented at XXXX %, but never paying off the principal. 
I may have to sell my home of XXXX  years ( due to fixed income & fire insurance ) and the amount of equity I have accumulated since XXXX is very small. Can you help me?
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to dispute the inclusion of certain accounts in my consumer report provided by your agency. These accounts should not be furnished on my consumer report, as they are in violation of 15 USC 1681b - Permissible Purpose of Consumer Reports, specifically under ( a ) ( 2 ), which states : " In accordance with the written instruction of the consumer to whom it relates. '' I have never provided any written consent to any consumer reporting agency, which violates my rights as a consumer. The absence of consent amounts to identity theft, and as a consumer, I am demanding the immediate deletion of the following accounts from my consumer report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  In addition, I would like to draw your attention to 15 USC 1681c-2 , which states : " 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 than 4 business days after the date of receipt. '' I have filed a report with the Federal Trade Commission ( FTC ) regarding identity theft and have been issued a reference number ( XXXX  ) for this matter. I kindly request that you adhere to the legal obligations outlined in 15 USC 1681c-2 and promptly block the reporting of the aforementioned accounts from my consumer report within the statutory timeframe.
Product: Checking or savings account

Good day : My complaint concerns Wells Fargo Bank and their continuing practice of corporate chicanery by various means. The following situation that I'll describe below is without question designed to bilk customers out of as many overdraft fees as possible and allow me to make this clear ... ... it is by DESIGN! The same scenario has happened multiple times to not only myself but friends and acquaintances who hold accounts there as well. It is not by accident. 


I had five ACH withdrawals that I knew would be assessed to my checking account this past Monday,XX/XX/XXXX. They were from two entities. Entity # 1 was for two small amounts ( {$20.00} and {$25.00} ) which were posted in the " pending transactions '' section in a timely fashion. I conducted business with entity # 1 the day before, Sunday XX/XX/. 


The other three transactions were from entity # 2. All took  place the previous FridayXX/XX/XXXX. The first transaction was conducted that morning @ XXXX XXXX in the amount of {$150.00}. The second transaction took place later that afternoon @ XXXX XXXX in the amount of {$79.00}. The third and final transaction occurred @ XXXXXXXX XXXX in the amount of {$83.00}. Remember that all took place XX/XX/. Only the MIDDLE TRANSACTION for {$79.00} was listed in the " pending transactions '' section creating a negative balance. I have until XXXX XXXX  to cover any negative balances by making a cash deposit either through an open branch or a Wells Fargo ATM. Knowing there was a good chance that they'd pull their systemic shenanigans I deposited enough money to cover all 5 transactions even though two of three ACH withdrawals for entity # 2 were not listed even later that same night ( after XXXX XXXX ) TuesdayXX/XX/XXXX( lo and behold ) all 5 transaction were posted MONDAY XX/XX/XXXX! 


This is criminal and as far as I'm concerned the officers of the Wells Fargo Board belong in prison. They'll never go there but that is where they belong. This is the same corporation ( with the same corporate board ) that was held criminally liable for a million counts of fraud yet nobody anywhere served a nanosecond of prison time which is obscene. They fired 6,000 employees as their corporate response to this as if all 6,000 employees who lost their jobs drank the same tainted water and coincidentally made the same criminal decision to defraud account holders. 


Fecal matter rolls downhill and the activities of Wells Fargo Bank are definitely part of a corporate culture that can only be described as disingenuous, corrupt, amoral and totally repugnant. Thank you.
Product: Debt collection

This collection agency has obtain my XXXX  son 's medical records without HIPPA release form. I have requested from them a copy of the HIPPA release form if they had one and they refused to provide it to me. 

My son has a primary and secondary insurance and we never paid a medical bill out of pocket. 

This collection agency has also reported this purported debt to all three credit bureaus and they have significantly damaged my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to me being a victim of identity theft I spoke with XXXX at Equifax on XX/XX/XXXX, i also spoken with XXXX on XX/XX/XXXX about the unauthorized inquiries that appears on my credit report I request the following inquires to be delete and removed off my Equifax credit report : XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX,. I did not authorize any of these inquiries. I am requesting that all above unauthorized inquiries be removed immediately from my Equifax credit report due to my identity been stolen. I have attached my FTC report as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Following hard inquiries is shwoing on my equifax report. I have contacted the Equifax to let them know that I never approved of this inquiries and should be immediately removed. But there is no feedback or action from Equifax. As a result, i have to knock on CFPB door for swift action and justice. Will appreciate if EQUIFAX is been instructed to remove this unsolicited inquiries asap. The names of the merchants and dates of inquires are provided below. Thanks, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I have two student loans currently in repayment status, held by servicer AES. I have auto-bill pay set up to make electronic payments each month. In XX/XX/XXXX, AES stopped processing my payments, though I made no changes to bank bill-pay or my repayment status with AES. When I contacted AES and asked them why they stopped processing my payments, they informed me that I am 'paid ahead ' on my loans until XX/XX/XXXX. So, instead of applying my XX/XX/XXXX., XX/XX/XXXX., XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX automatic payments to my loan principal, they just let the loans sit there accruing interest. Is this legal or ethical? Further, is there a class of other loan customers to which this is happening? In other words, is it an isolated occurrence, just an oversight? Or is AES deliberately not processing payments on 'paid ahead ' loans in a predatory attempt to earn more interest? Can you find out and let us know? 

Thank you.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of the following accounts and inquiries from my credit report, as I am a victim of a data breach. As per 15 USC 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ), I am entitled to request the removal of accounts or inquiries linked to fraudulent activity or unauthorized use resulting from this breach. 
The following accounts should be blocked and deleted from my credit file : Accounts : XXXX. XXXXXXXX XXXX XXXXXXXX XXXX Account Number : XXXX, Date : XX/XX/XXXX, Amount : {$340.00} XXXX. XXXX XXXX Account XXXX : XXXX, Date : XX/XX/XXXX, XXXX : {$460.00} XXXX XXXX XXXX XXXX Account Number : XXXX, Date : XX/XX/XXXX, Amount : {$1000.00} XXXX. XXXX XXXXXXXX XXXX Account Number : XXXX, Date : XX/XX/XXXX, Amount : {$2000.00} XXXX. XXXX XXXX XXXX  Account Number : XXXX, Date : XX/XX/XXXX, Amount : {$110.00} XXXX. XXXXXXXX XXXX XXXX  Account Number : XXXX, Date : XX/XX/XXXX, Amount : {$1300.00} Inquiries : XXXX. XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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