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

I was sent an XXXX debit card from Bank of America card services to receive unemployment benefits. XXXX discontinued using Bank of America Card services ( last 4 of XXXX ). I had a balance of {$270.00} on my Bank of America card from my account when the account was closed by Bank of America Card Services. When I called the Bank of America Card Services I was advised that if I completed a motorized affidavit of my ID or visit a local branch to show my State ID that I would receive a check in the mail. However, after completing a notarized affidavit by mail and visiting a local branch where the branch manager called the card services and verified my ID. I never received the account balance in the mail. Therefore, after several calls to the Bank of America card services, I have been advised to repeat the same process again and again with no resolution.
Product: Credit reporting

I have sent a letter advising I am not disputing anything on my credit report, however, it still shows disputes on my report.
Product: Checking or savings account

TO : Bank of America ACCOUNT : XXXX XXXX XXXX XXXX XXXX XXXX I do my personal business through brokerage trade. I received money from a XXXX client, deposited the money to a XXXX supplier, and sent the goods to XXXX. My deposit method was transferred from my bank account to my XXXX account, and then transferred from my XXXX account to a XXXX supplier 's coin account. 

When this activity was repeated several times, the bank suspected that I was laundering money. I also visited the branch XXXX times to explain my business, and the person in charge of the branch fully understood the situation. Meanwhile, on a business trip to XXXX and made a deposit to the supplier, but the bank suddenly closed my account. 

If you were suspicious of a fraudulent transaction, you could check if my normal transaction was correct through the phone. As a result, I made a deposit from my bank account to my XXXX account. It was a transaction that was not sent to another person and had no problem at all. 

However, I don't know the reason why I decided to close it, even leaving out the fact-checking details and knowing all my circumstances. My clients are experiencing inconvenience as their deposit accounts have changed. I want to open my account as I used to do bank transactions again in bank of america. I'm not a fraud, I'm not a money launcher. I'm a real businessman, and if I were an XXXX, I don't think I would have been discriminated against like this. I think I was discriminated against because I'm XXXX  and XXXX. ( The bank thinks it has negative thoughts about XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to know what type of game XXXX, Transunion, and XXXX are playing. Looking at my consumer report I have companies with more than one account listed like XXXX XXXX, XXXX, and XXXX XXXX BANK XXXX. I reached out in XX/XX/2021 and last week about the fraud happening with my report. Then there is a cell phone company XXXX listed and I would never do business with them they are too high priced. If I have not learned anything at all in financial training I learned that per 15 USC 1681 ( a ) ( XXXX ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer I have to give the go on listing anything on my consumer report. The bureaus do not have my consent and are violating me and the law. I want this fixed in 15 days max.
Product: Credit card or prepaid card

I called XXXX Chase rewards today about my minimum payment going up a dollar. I asked them if my interest rate went up and they stated no. The supervisor I spoke to said that they arent able to change minimum payments. I have paid consistently for this credit card on time. I have no late fee charges. I havent used my credit card as of recently.
Product: Credit card or prepaid card

I applied for the WF Cash Wise Credit Card and got approved on the same day. After 5 business days, I received the credit card and tried to activate it online but it will not let me so I called the number on the front of the card. I was told that that I had ti visit a branch in order to activate it. This was a surprise to me as I had never have to go to a bank branch to activate any credit card for the past 30+ years. I XXXX the WF credit card online and was surprised how many complaints this company had over this card. Anyway, I called up the next day, lunchtime, and spoke with XXXX, and asked her to close my account as I am not longer interested in using it. To my amazement, she told me that I am not able to close the card as I had to go to the branch to close it. I am fuming mad by this deceptiveness and want to file a complaint to this bank so that everyone can see what a big scam this is.
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Product: Credit reporting or other personal consumer reports

XX/XX/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 To Whom it May Concern, I recently receive a copy of my ( Experian, XXXX XXXX XXXX ) credit report and noticed some late payments posted on my credit report. 
Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Your company is in clear violation of the law. Under 15 U.S.C. 1666 ( b ) -permissible purpose of a consumer reports. THE LAW CLEARLY STATES.

( a ) IN GENERAL Subject to subsection any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer report to whom it relates.

Furthermore, the FAIR CREDIT REPORTING ACT 15 U.S.C. 16681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXLUSIONS-Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subjects to section 1681s-3 of this title any -- - ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report : Delete the above late payment from my consumer report, this agency is in violation of 15 U.S.C. 1668.

Failure to respond satisfactory with deletion of the above referenced account, and sent out a free copy of my report after the changes have been made will result in legal action being taken against your company, for which I will also {$1000.00} per violation fee.

1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity fraud 3. Fair Debt Collection Practices ACT 15 U.S.C. 16692g violations 4. Fair Credit Reporting ACT U.S.C. 1681 violations for willful noncompliance- 616 Civil liability for willful noncompliance [ 15 U.S.C . 1681n ] Sincerely, XXXX XXXX
Product: Student loan

XXXX Direct Loan Subsidized Balance {$2300.00} XXXX Direct Loan Unsubsidized Balance {$6800.00} XXXX Direct Loan Subsidized Balance {$2300.00} XXXX Direct Loan Unsubsidized Balance {$6300.00} XXXX Direct Loan Subsidized Balance {$2400.00} XXXX Direct Loan Unsubsidized Balance {$4400.00} XXXX Direct Loan Unsubsidized Balance {$2500.00} XXXX Direct Loan Subsidized Balance {$1300.00} Navient is not taking full affect that i have filed a police report for identity theft due to these loan that i did not get. I don't go to school or haven't been to any college before.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for an investigation of the disputed items, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update or get rid of the following items from my 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 XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX I was approved for student loan forgiveness as result of the XXXX XXXX XXXXXXXX class action lawsuit. All loans from XXXX University were paid in full in XXXX of XXXX. Since then, my fed loan servicer XXXX XXXX has not provided any updated balances to the three bureaus despite numerous attempts to contact them and seek their assistance in doing so. I have disputed all the paid loans with all three major credit bureaus numerous times. None have resulted in a permanent fix. Experian corrected it one time but then later received old, outdated info from XXXX XXXX once again and reverted my report back to the original balances ( pre forgiveness ). I have discovered that the info XXXX XXXX is giving the credit agencies is from XX/XX/XXXX. These are over one year old balances. I do have loans from another university with XXXX XXXX, and these loans I have since started paying on, but I have received over $ XXXX in student loan forgiveness, and my credit reports do not reflect this. I have even contacted the class action litigation lawyers and Department of Education for help, but to no avail.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XX/XX/year> Dear AMSHER COLLECTION SERV Re : Original creditor : XXXX XXXX  I am writing to request a validation of a debt you claim I owe, as outlined in your letter. I am disputing the validity of this debt and request that you provide me with the information necessary to confirm this debt is valid as per my rights under the Fair Debt Collection Practices Act. 

Please provide me with : XXXX. Documentation of the name of the original creditor. 
XXXX. An account of the debt, including the amount you claim I owe, any fees, and any interest. 
XXXX. Proof that you are legally authorized to collect on this debt. 
XXXX. Copies of any documents showing I agreed to pay this debt. 

Please treat this letter as a formal dispute of the debt until the requested validation is provided. Additionally, cease all communication with me regarding this debt, except for providing the requested validation. 

Thank you for your prompt attention to this matter. I look forward to receiving the requested documentation. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

I receiveda letter today from KeyBank informing me of a clarification of " the terms of your XXXX account ending in -- --. '' This account apparentlyrepresents a prepaid debit XXXX -- which I do not have and did not open an account for. I'm naturally concerned about fraud. I did try to query Keybank by phone regarding this matter but found their system difficult to negotiate ; that is, without login info I could not access a customer representative. 

I did in fact send an email with the information above ( including the four digits of the account they sent me in the letter ) to a Keybank address but I'm not at all confident that it will reach the right person. 
.
Product: Mortgage

On XXXX XXXX, 2011 I become unemployed. At that time my mortgage servicer was XXXX XXXX XXXX ( XXXX ). By XXXX I ran out of funds and I applied for mortgage modification and I head great difficulties to have the mortgage modified by XXXX, regardless, I used XXXX different mortgage modification company to help including XXXX MHA approved, Credability with no avail. 
XXXX sold my mortgage without resolving my modification. 
The mortgage changed couple of hands since. 
I am XXXX years old and XXXX, but because I was turned down with my modification and I need to keep my house I was forced to go back to work. I applied for modification to have my mortgage interest rate reduced not raised. 
The servicer Roundpoint Mortgage Servicing Corp. offered me a totally dishonest modification they are raising my interest rate from XXXX to XXXX. They are stilling my house, I am XXXX and my XXXX benefice is {$2000.00}. I have to XXXX as soon they will make my house affordable. 
Is insane to force me to work until I will be XXXX to pay the mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

Early warning Systems continues to delay correcting the information that was created as a result of a fraud perpetuated on me, as well as Identity Theft that was from stolen information as a result of malware ... trying to " unlock '' my XXXX XXXX XXXX XXXX account which is being prevented bt Early warning Systems faulty reporting and inordinate delays, etc.
Product: Debt collection

I received notification from Transworld Systems Inc. in XXXX XXXX, PA in XX/XX/XXXX that I owed tuition from XXXX XXXX University. The XX/XX/XXXX and XX/XX/XXXX tuition was paid on a credit card and I called the school to confirm payment receipt. They said they did n't know why this was turned over to a collection agency. I called the collection agency and they wo n't work with me. I made copies of all my payments including the account printout from the school with my XX/XX/XXXX and XX/XX/XXXX account information showing a XXXX balance due. I sent this information to the collection agency certified mail with a return-receipt confirmation. I would like the school and collection agency to get their accounts straight and ensure my credit rating has not been affected by this inaccuracy. I am enrolled in the XX/XX/XXXX semester and the tuition information is reflected on these statements but will be covered in the fall with student loans and personal payment. Those figures are not part of this issue as I just registered for XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I'm filing a formal complaint against TransUnion for failing to comply with the Fair Credit Reporting Act ( FCRA ) regarding an alleged collection account from XXXX XXXX XXXX. Despite multiple disputes, TransUnion has not accurately investigated or corrected the inaccurate reporting of this collection account. Violations Under FCRA TransUnion have violated several provisions of the FCRA, particularly 15 U.S.C. 1681i ( a ), which mandates that credit reporting agencies conduct a reasonable investigation into disputes and correct inaccuracies. After initiating a dispute with TransUnion regarding the alleged debt from XXXX XXXX XXXX, TransUnion failed to verify the accuracy of the information. This alleged debt account was reported inaccurately as an open collection account in the year of XXXX. I have disputed this false collection with Transunion in XXXX of XXXX. 
In the same year I noticed that this collection account was only reported by Transunion and not by XXXX and to date it is not reported to XXXX. 


After conducting my own investigation, In XXXX. I contracted XXXX XXXX XXXX  to assist with settling an account with XXXXThe agreed-upon settlement amount that XXXX XXXX XXXX negotiated with XXXX was {$12000.00}, Which was confirmed and agreed upon by both Parties. All payments were made and the debt was paid in full in XXXX. I have attached a document and statement as a proof. Despite the settlement Agreement and full payment, XXXX XXXX XXXX which I have no contract with waited three years and falsely reprted a collection on my credit for that same account and reported that I owe {$26000.00} a significantly higher amount than the settlement agreement. This constitutes a violation of the Fair Credit Reporting Act ( FCRA ), which requires that only accurate and verified information be reported to the credit bureaus. 
They falsely reported to Transunion by manipulating the dates for this account, and the amount by showing an active collection account on my credit report. 

A separate complaint against the collection agency XXXX XXXX XXXX will be filed for failure to validate this alleged debt as required by the FDCPA and for False Representation of debt amount ( Violation of the Fair Debt Collection Practices Act ( FDCPA ) - 15 U.S.C. 1692e ( 2 ) ( A )
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of 2 personal credit card accounts opened at XXXX XXXX on XXXX XXXX under the account number XXXX, XXXX XXXX opened on XXXX XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX XXXX XXXX XXXX on XXXX XXXX under the account number XXXX, and 2 collections account opened at XXXX XXXX XXXX with a balance of {$9500.00} under the account XXXX and XXXX XXXX with a balance of {$750.00} under the account XXXX. .These accounts have resulted in several fraudulent collections and chargeoffs appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I filed a dispute on XXXX, XXXX & XXXX XXXX due to problem with the companies XXXX and transunion investigating into my existing problem and denied to follow up with the investigation. I recently was notified that CFPB has filed a lawsuit against the company ( experian ) ( transunion ) They alleged the company of accepting unreliable information, failure to notify consumer dispute results. After disputing multiple times I got a remark that brought my XXXX down to the XXXX and the remark stated Account closed at credit grantor 's request and still haven't see improvement. i work extremely hard for it to be tampered with. This aligns well with my situation! XXXX has not attempted to remove, nor correct any information. I'm requesting this derogatory remark be removed or corrected immediately as it's affecting my chances of getting { house, car, etc }. XXXX violates
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX XXXX writing you guys today because there is an inaccurate collection reporting on all 3 credit bureaus the company is XXXX  account number XXXX TransUnion and XXXX both have this account as an open account which is against the law XXXX also is listing this account with past due balance and 120 days which is also a volition I tried to dispute with bureaus they verified the information but clearly this information is not accurate all 3 bureau information does not match and I want this account deleted from my credit report I attached a file so you guys can see that the information does not match on all 3 bureau and that transaction and XXXX are breaking the law by reporting this collection account as open also TransUnion and XXXX have this listed as a collection account with no name or company it just says collection account I would like this account removed asap possible this account reporting inaccurately has caused me a lot of pain and stress
Product: Student loan

I am writing to file a complaint against Navient Student Loans regarding the mishandling of a settlement payment that I was supposed to receive in XX/XX/XXXX. 

In XX/XX/XXXX, I received a notice from the IRS stating that I had received income in the amount of {$5000.00} from a settlement with Navient. This settlement resulted from a lawsuit in which Navient was sued for charging military members and others improper fees. However, I never received this {$5000.00} check. I was not aware that I was part of a class action lawsuit, and I had never received any check or notification about this settlement. 

Upon receiving the IRS notice, I immediately contacted Navient to inquire about the supposed {$5000.00}. Navient informed me that the check had been sent out, but since I did not cash the check within the 90-day period before it was voided, the funds were then kept by Navient and distributed across my student loans in a way that did not benefit me. 

Furthermore, Navient provided me with the contact information for the company they used to distribute the checks. When I contacted this company, they could not provide me with any check number or confirmation that a {$5000.00} check had been mailed to my known address. 

Instead of benefiting me, Navient split the {$5000.00} between two small loans I had, one for {$2000.00} and another for {$3000.00}. This action did not benefit me as a consumer. If Navient had applied the {$5000.00} to pay off one of the loans, it would have been more advantageous for me. However, they chose to distribute the funds in a manner that did not consider my best interests. 

I submitted a complaint to the Consumer Financial Protection Bureau back inXX/XX/XXXX regarding this issue. However, I do not believe I received a response or resolution to my complaint filed at that time. 

I feel that I have been wronged by Navients handling of this settlement payment. Not only did I not receive the check, but I was also denied the opportunity to use the funds in a way that would have benefited me the most.