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

I am filing a formal complaint against the credit reporting agencies for failing to remove the account XXXX XXXX XXXX from my credit report, despite clear evidence of inaccurate and inconsistent reporting in violation of the Fair Credit Reporting Act ( FCRA ). 

This account is reporting different open dates and different dates last active across each credit bureau, which is a direct violation of the FCRAs requirement for complete and accurate reporting. Additionally, the company has failed to validate this account, and I have documented proof from the XXXX XXXX XXXX ( XXXX  ) confirming that multiple attempts to obtain a response from the business were unsuccessful. The XXXX  has officially closed the complaint as UNANSWERED, and this non-response is now publicly recorded, negatively impacting the company 's rating for the next three years. 

Furthermore, this account was discharged in bankruptcy, meaning it should not be reporting on my credit file. The company is aware of this, which is why they have refused to respond to validation requests. 

I am demanding the immediate removal of this unverified, inaccurate, and improperly reported account from my credit report. Failure to comply will result in further legal action against the credit reporting agencies for violating the FCRA and my consumer rights.
Product: Student loan

I am writing to formally express my frustration and concern regarding my ongoing issue with Mohela regarding my refund of {$16000.00}, as indicated in the Departments records. Despite multiple attempts to reach a representative, I have found it extremely difficult to get in contact with anyone or receive a call back regarding the status of my refund. 

This has been an ongoing process that has caused significant stress and uncertainty. I expect timely communication and resolution on this matter. Please provide an immediate update on the status of my refund and a clear timeline for its processing. If I do not receive a response soon, I will be left with no choice but to escalate this issue further. 

I appreciate your prompt attention to this matter and look forward to your response.
Product: Student loan

Full Class Member of XXXX XXXX XXXX lawsuit attended XXXX XXXXXXXX University from XXXX to XXXX Received Approval Letter of Borrower Defense Case XX/XX/XXXX from Department of Education after filing a Borrower Defense Application via a scam company called XXXX XXXX XXXX with my application having incorrect dates of attendance, but received by the Federal Student Aid on XX/XX/XXXX. 

Moved from XXXX to Mohela as my Loan Servicer in XX/XX/XXXX. Loans were held in Admin Forebearance until XXXX/XXXX/XXXX. 

Applied PSLF payment counts to all loans currently held under my name XX/XX/XXXX, achieved XXXX verified payments under PSLF program for my Sub/Unsub loans from XXXX XXXXXXXX University and PPLUS loans for sons from XXXX XXXX , and XXXX XXXX University . 

XX/XX/XXXX - Requested Consolidation of all loans to use PSLF payment waiver so that my highest payment count can be applied to all loans and they will be paid off via the XXXX program. 

Consolidation is approved however instead of being placed into Administrative Forebearance as required, I am placed into a regular IDR plan with a payment of XXXX a month for at least 12 months. 

Filed Request XX/XX/XXXX for Forebearance General Hardship explaining that I am supposed to be under Administrative Forebearance because of the XXXX XXXX XXXXXXXX lawsuit AND PSLF Waiver processing since required XXXX payments were counted and made. 

Correspondence Processing Delay Received from MOHELA XX/XX/XXXX stating my request for Forebearance should be processed within the next XXXX Business Days. 

Also have an outstanding request for a loan payment that I absolutely should not be making because I qualify under XXXX XXXX XXXXXXXX lawsuit to be in Admin Forebearance along with PSLF forgiveness due to 20 years of full time employment at a non-profit organization. 

My complaint is to have my loans placed in Administrative Forebearance they way are supposed to be and my loan paperwork properly processed.
Product: Checking or savings account

Bank of America has charged me {$420.00} in overdraft fees on accounts ending in # XXXX and # XXXX since XXXX XXXX. I called on XXXX to discuss the fees being waived or reversed as I explained none of the transactions were paid and some even charged me a NSF fee 3 times in one day.I was told that Bank Of America would not return the fees as it was not a banking error. I explained to the representative the purpose of having overdraft protection is to cover a transaction if the funds arent there, then charge me {$35.00} non sufficient funds fee. Out of a total of 12 transactions, Bank of America did not cover one, yet charged me {$35.00} each time a transaction came through and funds were not available. 
I was told by representatives that this was in a disclosure upon account opening. I further explained to representative that was not the way the account setup was explained to be when I opened it. I was told that I had the option for overdraft protection which would cover my transactions if funds werent there and charge me a {$35.00} fee. This is unscrupulous to take hundreds of dollars from a customer especially being on a fixed income.
Product: Debt collection

On XX/XX/2010 a process server served a XXXX XXXX with a Case # XXXX that individual had a debt with XXXX that individual passed away in an affidavit filed with the court The same case # XXXX was then also used on XX/XX/2010 for a debt to Citibank for me I had done a motion with the court and advised of this and the judge decided it was a typo and didnt want to look at the case because I didn't show up to court back in XXXX. I was not properly served the same case number was used for 2 different judgments on 2 different people. XXXX XXXX has overcharged on the debt and retroactively imposed interest charges I have called and tried to do a settlement but they refuse to settle for less than the full balance. Now in a pandemic and am being garnished and it is causing a hardship
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
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
Product: Credit card

I have or had XXXX Chase credit cards XX/XX/XXXX a master card and visa card that was sold to XXXX collection company. I went to court in XX/XX/XXXX and again in XX/XX/XXXX for both. The attorney did say he will dismiss the accounts that day. And they still put both into judgement even though I did appear in the courthouse. Since then I received from Chase a letter for the Master card saying they discharged it and I filed my tax papers for it, that was in XX/XX/XXXX. My Visa card is still showing a judgement and was sold to another collection company as of this year. No letter from XXXX about them selling the visa account. As of yesterday I received a letter from Chase Master Card advising me about collections Litigations and that they will no longer collect on the account. Why did they not included the Visa account as part of the ro-bo collections of the time in question? I am still not gainful employed do to being a caretaker to both parents since that same time. 
Please advise me as to my next step. Or my next step will have to be chapter XXXX.
Product: Credit reporting or other personal consumer reports

TransUnion and XXXX were decreasing my credit every week which I think that causes adverse selection and adverse treatment. However, I think that credit should not be decreasing when you make a monthly payment on time. Yes, I know that going over XXXX percent on credit card will cause a decrease in credit scores but decreasing over XXXX points. Wow, that can cause a lot of adverse selection and adverse treatment. 

So, I believe that credit scores should not be decrease drastically, unless I am drastically behind in payments. Please look into this matter. 

XXXX XXXX
Product: Debt collection

The medical debt appeared on my credit. No wriiten notification- for {$100.00}. The debt has been PAID with the original credit XXXX XXXX -
Product: Credit reporting or other personal consumer reports

In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rights to privacy and confidentiality under 15 USC 1681. FCRA 605B ( 15 U.S.C. 1681c-2 ) FCRA 605 ( b ) Block ACCOUNTS : XXXX XXXXXXXX  / Account number - XXXX XXXX XXXX / Account number - XXXXXXXX XXXX XXXX  / Account number - XXXX XXXXXXXX XXXX XXXX Account number - XXXX XXXX XXXX XXXX  / Account number - XXXXXXXX XXXX XXXX XXXX  / Account number - XXXXXXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXXOriginal creditor : XXXXXXXX XXXX XXXX. / Account number XXXX XXXX XXXX XXXX XXXX / Original creditor XXXX XXXX XXXX / Account number - XXXX XXXX XXXX XXXX / Original creditor XXXX XXXX XXXX. / Account number - XXXX XXXX XXXX XXXX 15 U.S.C 1681 Section 602 A. State I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Sectio
n States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than Records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reason
able cause to believe that the information is in accurate.

15 USC 1681EB 15 USC 1681B 15 USC 1681 C-2 15 USC 1692g 15 USC 1681IS-2 15 USC 1681i 15 USC 1681b 15 USC 1681i 15 USC 1681b - 15 USC 1681IS-2 15 USC 1692g 15 USC 1681 C-2 LATE PAYMENT CODE 15 USC 1681 BA2 LATE PAYMENT CODE 15 U.S. CODE 1681e- 15 USC 1681 ( 2 ) ( a ) ( i ) Delete the above late payments from my consumer reports, this agency is in violation 15 USC 1681.
Product: Money transfer, virtual currency, or money service

Venmo is trying to hijack my money, I was using my account normally made a bunch of purchases just regular use. Had some issues with some fraud that happened onto my account and I did a dispute for it. Which I was able to win & get my money refunded. Continued to use my account normally and suddenly I got a email saying I was suspended please upload a picture of my id. Which I did, same id that I used to verify my account initially. But surprised to get a reply from venmo informing me I was permanently suspended and theyll be holding my money for 180 days. My hard earned money, just gone for 6 months? My bills are due on the first, and I need that money to get through that. Venmo is literally trying to ruin my life with that, I literally need this money to fund my life or else Ill be completely broke in time for the bills that are literally almost due. I want my money back venmo and I dont think this is fair to do this to someone who didnt do anything wrong on your platform. Dont be known as a fraudulent scamming company who ruins people lives. Give me money back.
Product: Credit reporting or other personal consumer reports

I have disputes with each but they never fix it some items were removed
Product: Credit card or prepaid card

My bill was due on XX/XX/XXXX. My card was over the limit by XXXX cents. The minimum payment due was {$41.00}. In an attempt to correct these issues, I made a mistake and paid {$40.00}. I was then charged {$30.00} for a late payment. I was charged {$30.00} because I was XXXX cents short of the minimum payment due. 
This SMALL error, because of the late fee and interest charges, caused me to then go over my limit by {$5.00}. 

Thinking that the company would understand the issue, I contacted customer service and asked to have the {$30.00} fee waived and even made an extra payment of {$35.00}. The young man that assisted me on that call was understanding and kind and apologetic about the inconvenience and submitted the request. 

I patiently waited a week to see if the refund had been processed and it had not. Upon looking today, almost 2 weeks later, I noticed that I still had not been refunded. I called customer service again and was told that the " back-office '' denied my request because my account was not 30 days or more overdue. 
I was denied a simple request to refund a {$30.00} fee for an XXXX cent error because I tried to rectify the situation in a fast and timely manner! That makes absolutely no sense and is a horrible business practice to have. 

When told this, I asked for a supervisor to escalate the issue, because this is an unfair and unacceptable business practice. I was transferred to another person who told me basically I knew the rules when I signed up for the card and there was nothing that could be done. 
I am absolutely flabbergasted and very upset that because of an XXXX cent error, that I lost {$30.00} of my hard-earned money. 

I have other credit cards with other companies such as XXXX XXXX and XXXX XXXX and have had fees waived for much larger issues and have never been denied with such a lame excuse. I may have a low credit score, but I am trying very hard to fix that and take financial responsibility. And to have {$30.00} STOLEN from me is a slap in the face. 

So, with the arrogant response of the 2nd person I spoke with today, I requested to talk to someone above this person. 

I was then " mockingly '' told that I would have to wait 24-48 hours for a " supervisor '' to call me back. 

Completely unacceptable and unfair business practices if you ask me.
Product: Credit card or prepaid card

Hi, I have closed a dispute on my account, and I received an email from the merchant indicating that they have reached out to my credit card to close this case in my favor and they no longer will charge my account for this order. However, the bank has reversed it, and I still see the charge posted on my bank account. I have reached out to the dispute department of my bank serval times, and I was told there is nothing they can do since I closed the dispute. 

Thank you so much for your assistance with this matter.
Product: Checking or savings account

XXXX Bank has shown that they intentionally delay large withdrawals by claiming fraud review and freezing user accounts. They provide absolutely no time expectation for when the fraud department will address the issue, even after the user has provided all of the security information XXXX Bank requested in order to verify that the withdrawal was legitimate and not fraudulent. The customer service teams also prevent customers from being able to speak directly to the fraud department to resolve the issue more quickly. 

They clearly have no issue accepting large deposits into their high-yield savings account, but they suddenly claim suspected fraud as soon as a large withdrawal is attempted. It is ridiculous that a bank can freeze users ' funds and deny legitimate withdrawals, especially when customers chose a savings account to maintain liquidity for expected upcoming purchases. If I did not have other funds I could liquidate, I would not be able to make the necessary payments on a large upcoming capital improvement project on my home. 

They are either have malicious policies to act as a barrier to customers taking money off their books, or they are inadequately staffed to handle issues of fraud in a timely manner. Either way XXXX Bank severely damages customers financial situation and ability to make the payments and purchases they need.
Product: Payday loan, title loan, personal loan, or advance loan

I entered into a lease to own agreement with Flexshopper on XX/XX/year> to purchase tires and was sent a lease agreement to sign so the tire shop could order my tires for install on XX/XX/year>. After the work was complete and my account was finalized i called in to sign up for the early payment options. after the agent had me go over the contract i seen that the cash price was different from what the invoice from the merchant stated and asked for clarification. Flexshopper agent said my cash price did not include sales taxes but i let him know and he had me email the receipt to XXXX and he said he does see the difference and told me to hold on. The call was disconnected so i called back and spoke with the same representative and advised him i was recording the call just as well as he was and he advised me that they charge taxes on the cash price and i stated that is against the law because i was already charged sales tax on the cash price according to the invoice from the merchant. I entered into a XXXX way call between the merchant XXXX XXXX and flexshopper to rectify this issue and there was still no resolution and asked to speak to a supervisor. The supervisor gets on the call and tells me the merchant did not charge taxes and there is a {$50.00} fee added to the cash price which is not listed anywhere in the contract for using their services. Had i been made aware of this fee i would of never entered into this agreement because i was never made aware of this fee in any part of the transaction until the services were rendered and first payment was already made.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in XXXX XXXX and I found out that credit reporting agencies still indicate my dispute of account in my credit report. As of todays date, XXXX, Experian and XXXX has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of XXXX XXXX XXXX and XXXX XXXX. I believe it was reporting in error. 
XXXX XXXX XXXX XXXX Balance {$2600.00} XXXX XXXX XXXX Balance : {$2600.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

These fraudulent accounts are from the direct result of identity theft. 1XXXX XXXX # XXXX, 2. XXXX  # XXXX, 3. XXXX XXXX XXXX # XXXX, 4.Capital XXXX XXXX XXXX, 5. XXXX  # XXXX,. Its been several months now I have been in consistent contact with Transunion consumer reporting agency in regards to fraudulent accounts appearing on my credit file due to identity theft. In addition to my disputes, I have sent an identity theft report from the Federal Trade Commission which included some of the fraudulent accounts and addresses being reported on my credit file. Since I have yet to received any correspondence or original documentation obligating me to any of the fraudulent accounts in question from Transunion. Transunion has failed to provide 100 % accurate verification as per the Fair Credit Reporting Act sections 605b, 609, and 611. Transunion has also failed to provide a block after being notified within 4 business days by a consumer from being a victim of identity theft. As a consumer my rights have an continued to be violated and Experian should be held accountability. Transunion has not provided as per the Fair The Credit Report and reasonable and fair investigation within 30 days. This is totally unacceptable and is currently having a negative impact on my financial situation. I recently have been denied credit due these inaccuracies and Transunion is liable.
Product: Checking or savings account

I am writing to file a complaint against Bank of America, requesting a forensic audit of the above-mentioned accounts. I seek to determine whether any insurance claims, bonds, securities, or other financial instruments have been filed in reference to my accounts. If such claims or instruments exist, I request that Bank of America accept and return all payments disbursed related to these claims, ensuring that the funds are returned to the Bank of America Revocable Trust Account in order to prevent fraud and potential kickbacks. Payments should be made to the order of XXXX XXXX XXXX XXXX 

Legal Grounds for Request Holder in Due Course Rights : As the holder in due course of the accounts, I am entitled to assert my rights under the Uniform Commercial Code ( UCC ) and relevant state laws. Specifically, MI UCC 3301 et seq. grants me rights that protect my interests as a rightful holder of the accounts. 

Consumer Financial Protection Act : The CFPB is empowered to regulate financial institutions under the Consumer Financial Protection Act ( 12 U.S.C. 5481 et seq. ). This allows the CFPB to ensure that banks like Bank of America comply with consumer protection laws. 

CFPB Regulations : The complaint is made in accordance with 12 C.F.R. Part 1000, which governs consumer financial protection regulations, and mandates that banks act fairly and transparently in their dealings with consumers. 

Request for Open Line of Credit : In relation to my request for an open line of credit, I urge Bank of America to synchronize my account with the Federal Reserve for access to XXXX, the discount window, and other financial and securities services. This request aligns with the Security Agreement and MI UCC that secures and pays for all future debts on behalf of the principal. 

Bill of Exchange Request : Additionally, I request that Bank of America honors the Bill of Exchange, referencing the confidential deposit location number provided in my attachments. The relevant laws governing the issuance and payment of bills of exchange include UCC 3-104 and UCC 3-501 , which provide frameworks for these transactions. 

Attachments Security Agreement : Attached is the Security Agreement that covers and secures all future debts. 
Documentation of Accounts : Any supporting documentation related to the accounts. 
Confidential Deposit Location Number : Reference details for the confidential deposit location.

Resolution Requested A comprehensive forensic audit of the aforementioned accounts to identify any unauthorized claims or actions. 
The return of any funds paid out improperly related to claims made against the accounts. 
Confirmation of my rights as the holder in due course and adherence to consumer protection laws. 
A formal acknowledgment of my request to synchronize the Bank of America account with the Federal Reserve for financial services. Payment of the Bill of Exchang
e referencing the provided confidential deposit location. 
Thank you for your prompt attention to this matter. I look forward to your timely response and the resolution of these issues.