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

On XXXX, I mailed my check in the XXXX county property tax envelope to pay for my property tax and dropped it in the blue mail collection box. The check showed up as cashed on XXXX with the amount of {$4000.00}. 

On XXXX, I received a letter from XXXX county tax collector regarding a delinquent property tax, which prompted me to review my account and the check image attached. It appears someone has stolen the check I sent out to pay for the property tax and the check has been forged under a different name. 

On the same night, I called the Chase Bank and its Customer service department to file a claim against the fraudulent check, and I was told they would get back to me within 30 days. 

On XXXX, I went to the XXXX XXXX Sheriff station to file a police report, but was told I need to prepare the documentation and call them, they will send the police over to my house to file the report. 

On XXXX, a police report was filed with the XXXX XXXX Sheriff station, with the report number XXXX. 

On XXXX, I received a notification from XXXX declining my claim, with the reason provided as I have passed the period of reimbursement. 

On XXXX, I visited the XXXX branch in XXXX XXXX and the bank associate has agreed to call their claims department for me to find out more on the details regarding my claim. 

On same day around XXXX, the associate called me back and informed me that the bank has determined the check was fraudulent and will credit the amount back to my account within 3~5 business days. 

On XXXX, I checked my bank account but didn't see the refund. Called the branch again and the associate has agreed to follow up with their claims department to determine the status. 

On XXXX, the bank associate called me back to inform me they provided the incorrect information last week and they are denying the claim due to the same reason, it has passed the reimbursement period. The associate did disclose the the check was not cashed in their bank, and she's trying to escalate this internally. 

My question is the bank has identified the check being fraudulent but is refusing to credit my account, mentioning it's over the reimbursement period. However was it the bank 's responsibility to verify if the check is valid, before paying it to whoever was cashing the check? Also initially I was informed that I will be getting the money back, but a week later the Bank decided against that decision and claimed the associate provided incorrect information. 

As a consumer I am not getting the type of support expected since XXXX knows that there's a problem with the check, it was stolen and cashed out by unlawful means, but still refused to return my money. Essentially XXXX is pushing the blame onto their consumer, expecting the consumer to absorb the damages and the loss by providing a reason that deem invalid in my opinion. I expect the bank I use to be the gatekeeper for my assets rather than pushing the blame to consumer when XXXX hits the fan.
Product: Checking or savings account

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Wells Fargo BankXXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX Checking Closure Request Account XXXX XXXX, Wells Fargo has made the business decision to no longer accept secure message or emails from retail customers. Therefore, I am filing this routine request in writing via the CFPB. 

Please close the captioned account at your earliest convenience. 


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

I have a case of identity theft. I have had this since XXXX. This person ( female ) uses a XXXX  ID, XXXX ID and has a copy of my social security card. This person has taken out many loans, credit cards and purchased cars under my name. This person has taken mail out my box and cashed checks mailed to me. I have a claim with USPS. And IRS sent another check. Its all on my credit report. 

Since XXXX I have been unable to work in a full time status and now I cant work. So, the fraudster is stating a large income to succeed at obtaining these loans and material objects. And its affecting my need for social services o need to live.

My banking was hacked 3 times in 6 months in XXXX. I had to cancel all account and use debit cards I manually turn on/off when using. 

I get countless calls about these fraudulent accounts. I want it to stop. The harassment is causing XXXX XXXXXXXX and more XXXX.
Product: Mortgage

I'm not sure who can answer this. During COVID I had utilized the COVID forebearance and at the end of the forebearance agreed with Rocket Mortgage to just add the missed payments to the end of the loan. Fast forward to now, I am applying for a HELOC and I have a lein that had been placed on my home for the amount that we had put into forebearance. I was under the impression COVID forebearance could not negatively affect you in any way and we arranged just to extend the loan until paid off. I am very upset about this and it completely caught me off guard. Neither Rocket Mortgage or HUD would help me. They each said I had to discuss with the other.
Product: Credit card

I previously disputed the account ending in XXXX with XXXX XXXX, XXXX ( CFPB # XXXX ) ( Reference # XXXX ). In that dispute, I asked for copies of how they got my personal information from American Express. Its a simple questionI want to know what other personal data they obtained about me. But they didnt provide any copies or proof and transparency is key.
Product: Money transfer, virtual currency, or money service

I was paid XXXX by a customer that requested XXXX lash sets and equipments for XXXX clients in each class, its a partnership where I provided everything she needed for under XXXX! She has since then received all merchandise and already started her classes but Im not able to transfer my money on square or get my money for my products! I want to press legal actions against square and I want my funds asap
Product: Student loan

I called Navient today trying to get my payments reduced. They only offered me an " interest only '' option of {$160.00} or a standard repayment of {$220.00}. At the end, they also offered to refinance my loan through another company. I've been paying on this loan for YEARS and still have many years to go. I feel as if I am being taken advantage for a loan I've had since XXXX. The payments are too high for me and navient is unwilling to offer affordable options. My original loan is {$10000.00} and my current balance is ~ {$20000.00}. The interest on the loan each month is {$160.00}. I am just a XXXX  XXXX XXXX with a XXXX XXXX XXXX child and husband trying to do the best I can. This company is ruthless, heartless, and selfish.
Product: Prepaid card

I purchased a {$500.00} Vanilla visa gift card on XXXX XX/XX/XXXX. I tried to use it in numerous locations and it was blocked both in person and online. I contacted INCOMM about the problems and they created case XXXX on XX/XX/XXXX. They got the card was blocked for usage and that I would need to get a refund or replacement card. They asked me to send in documentation to their e-mail address ( XXXX ) of the purchase receipt and a picture of the card. I sent in all of the documentation on that same day XX/XX/XXXX. I never heard back. I contacted them at the end of on XX/XX/XXXX and mid XXXX via phone and both times they said that they could not find my e-mail even though I have an e-mail receipt from INCOMM stating that they received my e-mail and that they will get back to me. I'm asking for INCOMM to please process my claim and send me a refund check immediately. I have already been waiting XXXX months.
Product: Credit card

I have a XXXX Rewards credit card with Chase. I use it for all my purchases and have always paid it off 100 percent every month. A typical month is about {$2500.00}. Two months ago, my bill was higher because of a XXXX. I paid about {$3600.00} of a {$3900.00} bill. The next month I was billed {$20.00} in interest for the {$340.00} I did n't pay. I was expecting an interest bill of {$3.00} or {$4.00}. ( Interest is 15 percent. ) They told me I was billed interest on my average daily balance, which they said was about {$1600.00}. I did n't like it and thought it was unfair, but I paid it. I paid the next month 's bill in full, including the {$340.00}. When I received my bill for this month, I was charged {$31.00} in interest even though I had paid the entire bill in full! I was furious for an entire Saturday afternoon and honestly felt like I had been the victim of fraud. I still feel that way. I called Chase and the woman agreed to take off the {$31.00} in interest after a prolonged conversation because she said I had been a good customer. She said the {$31.00} in interest carried over from the {$340.00} balance that I had already paid. So basically, I was charged {$52.00} of interest for {$340.00} I did not pay for one month. This is just usury and unfair credit card practices. I hope you will look into it. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was sent a XXXX  card ( I believe for rent payments ) from XXXX XXXX. I have tried contacting XXXX XXXX several times to make sure that the account is closed. I have not received any confirmation in writing that the account has been closed. I still receive e-mails and letters from XXXX XXXX about this account. 

I have been told that the fraud office is closed. I have been disconnected when trying to reach them. I have been told that I should call them directly since the representative can't connect me. 

XXXX XXXX opened a fraudulent card in my name. I have been a homeowner for over 30 years, and I have substantial unused credit lines. I didn't need a card to pay rent. Even the most cursory analysis would have indicated that the application is fraudulent. 

To me this is evidence that XXXX XXXX still does not have proper controls in place. I don't bank with them, and I don't plan to bank with them.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate information regarding one of my credit accounts that is being reported inconsistently across the three major credit reporting agencies : XXXX, Experian, and XXXX. Specifically, the discrepancies pertain to : * The date the account was opened * The last reported date * The date the account was last active These discrepancies are causing significant confusion and are impacting my creditworthiness. Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to maintain the accuracy and integrity of the information they report ( 15 U.S.C. 1681e ( b ) ). 
The FCRA also mandates that any information that can not be verified as accurate must be removed from the consumer 's credit file ( 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ). Given the inconsistent and incorrect reporting of the aforementioned dates, I request that this account be thoroughly investigated. If the inaccuracies can not be verified and corrected, I demand that the account be deleted from my credit report to comply with the FCRA 's requirements.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Has violated my federally protected consumer 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 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. 1681 s-2 ( A ) ( 1 ) : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I would like to follow up in regards of my previous dispute and I recently came across multiple unauthorized and erroneous items on my credit report. These items have had a severe negative impact on my credit score and have caused significant financial harm. Specifically, my credit report contains several fraudulent credit accounts that I did not open, as well as charges and loans that I never initiated or received. The cumulative value of these fraudulent items is substantial and has seriously affected my credit score. Kindly review and help me these items to be removed as soon as possible in my credit file : XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX  XXXX Bankruptcy Date XXXX : XX/XX/XXXX Reference # : 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

Hello- There's a closed XXXX XXXX account from XX/XX/2019 that's showing up on my credit report as a charge-off/derogatory entry. This is 100 % inaccurate. This account is only being reporting in such light from Experian- The other two bureaus are reporting the same account accurately. I have long good standing history with XXXX and continue to be a loyal customer. I'm attaching a copy of my credit report showing XXXX and XXXX reporting " Paid as agreed '' whilst Experian is showing " Charge Off/Derog ''. 


I thank you much in advance!
Product: Student loan

Ocwen has taken a toatle amount of XXXX $ from my bank account. This is a student subsidized loan their taking from me. I do not own a house. I have no idea who this company is and why they are taking my money. I really want my money back! This is a crime. It sais in fine print that i do not have to pay a student subsidized loan back untill 6 months after i graduate. So their is no reason this company, OCWEN should be taking my money! They are stealing from me. I am XXXX i am now completely broke because this company has drained my bank acct!!! I cant afford to buy food for myself or pay my bills because of ocwen! And i cant seem to figure out how i get my money back from them. I have a lawyer thats looking into it! But i just dont feel its enough. I dont want to pay a lawyer all the money that ocwen took from me just to get it back?. I have no relations to this company whatsoever! So they shouldnt have my card information!
Product: Credit reporting, credit repair services, or other personal consumer reports

My Wells Fargo Auto loan was incorrectly reported late for the second time. The first time I called and it was investigated and remedied. This time they have not remedied the inaccurate late payment and it is adversely affecting my credit.
Product: Credit reporting or other personal consumer reports

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT Account Number : XXXX This letter serves as formal notice under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692c ( c ), to cease all communication with me regarding the above-referenced account. This request applies to any and all forms of communication, including but not limited to telephone calls, text messages, emails, letters, and any other medium of communication. Additionally, this directive explicitly includes any communication via my consumer report, as defined by the term " communication '' within the meaning of 15 U.S.C. 1692a ( 2 ).

As per the FDCPA, once a debt collector receives a written request to cease communication, they are required to comply, except to notify the consumer that further collection efforts are being terminated or that specific actions may be taken as allowed by law. Any further communication in violation of this request will be reported to the appropriate regulatory agencies, and I will pursue all available legal remedies.

This letter is not to be construed as an acknowledgment or validation of any alleged debt. Please provide written confirmation that you have received and will comply with this cease-and-desist request.

Thank you for your immediate attention to this matter. 

Sincerely, [ XXXX XXXX All Rights Reserved Without Prejudice
Product: Credit card or prepaid card

This is my second complaint against Bank of America credit card. I had  XXXX  $ credit card  in 2015,  due to extreme financial hard ship and my car was stolen that time, my wife was  XXXX , and I was a  XXXX   XXXX   XXXX  with no employment. I was told and explained every situation of mine to Bank of America but no use, they are horrible, they did not inform me when interest rate was increased to 22.00 % + something, I was paid more tha n 600 $ extr a for interest and late fees, they are not helpful, last time when I cal customer care, his name was  XXXX  he was threatened me like we will update all information to debt collector, and he insulted me like I have job then what 's the problem like, this is entirely discrimination to me. I really love this opportunity to clear my problem. I do n't want pay more than my actual credit limit.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I signed up and was required to pay a fee for White Jacobs and Associates credit repair services. The initial fee I paid to become a part of this service was {$890.00}. This fee was paid prior to any services being rendered. The very next month and six months following, I was required to pay {$100.00}. The FTC Credit Repair Organizations ACT ( CROA ) states 1679b. Prohibited practices ( b ) Payment in advance states No credit repair organization may charge or receive any money or other valuable consideration for the performance of any service which the credit repair organization has agreed to perform for any consumer before such service is fully performed. 

This contradicts White Jacobs and Associates practice, and is in direct violation, as I was required to pay a large sum of money ( {$890.00} ) before any services were ever initiated. This company violated the FTC Credit Repair Organizations ACT and I want reimbursement of the {$890.00} I was required to pay before any services were rendered.The monthly {$100.00} I was required to pay to have them actually audit and dispute my tradelines I feel they should keep as that was during the time services were provided. However, the {$890.00} was before any contracts were signed or work was performed - again, direct violation FTC Credit Repair Organizations ACT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a business credit card with Chase business credit. due to Covid 19 I lost my business, and all of my income, I tried to make payments throughtout the panemic, until I no longer could afford the monthly payments. Chase has been reporting this information to my personal credit report as deliquent, and account closed, with a late status of XXXX of credit card debt which belongs to my business. This has really affected my personal credit rating. I am trying to recover from the effects of covid 19 and get back on track. I have spoken to Chase as well a XXXX XXXX XXXX to try and get the problem resolved, I keep putting in disputes complaints with XXXX and nothing has changed. 

The credit card is a Chase XXXX XXXX Credit Card Credit Card XXXX is XXXX
Product: Mortgage

2006 we [ my wife and me ] refinance our mortgage with XXXX  lending company we get a loan of {$48.00} thru home equity credit line, our payment went too high, we filed bankruptcy to avoid foreclose, after 15 years a new company send me a charge to pay this amount [ now is more [ double ] even this XXXX  is not here anymore they make a mess with my mortgage. we still paying our first mortgage only depending from our social security checks.we are broke and we can't pay this money this people is claiming to us we need legal aid or someone to talk to them [ we only speak XXXX  ] we can't understand what they want. I'm XXXX and my wife XXXX any help well be appreciate. thanks i,
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be fixed and updated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2022 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Product: Credit reporting or other personal consumer reports

I disputed the following accounts for identity theft and asked transunion the block them from my credit file as they were opened fraudulently as a result of identity theft I enclosed all the proper documentation and they still have not blocked the accounts from my credit file
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the FCRA, XXXXXXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXXXXXX XXXX XXXX XXXX account # XXXX, and US DEPT OF EDUCATION account # XXXX, XXXX XXXX XXXXXXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXXXXXX XXXX XXXX XXXXXXXX XXXX account XXXX XXXX. XXXX XXXX account # XXXXXXXX XXXX XXXX XXXX  XXXX account # XXXX, XXXX  account # XXXX XXXX and XXXX XXXX XXXX XXXX account # XXXX XXXX have violated my rights. 

15 U.S.C. 1681 Section 602 A states that I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 states that a consumer reporting agency can not furnish an account without my written consent.
Product: Credit card

Bank of America sends me checks in the mail each month as part of a promotional effort to reduce credit card rates. I have told them that I do not want these checks sent to me, and they continue to send them. How can I get them to stop?
Product: Money transfer, virtual currency, or money service

Someone opened up an account using my name and social security number And then transferred money using XXXX to another person. Opened the account on XX/XX/2021 and then on XX/XX/2021 sent several electronic payments equaling {$210.00}. I received a statement from a collections company from the bank to settle the account balance, so I then went to the bank and reported it.