23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I am submitting the second complaint to CFPB since I am not satisfied with the Bank of America responded to my complaint XXXX. I found it partial and not convincing. 

First the XXXX representative was neglected to answer for my first question : If my application is clear reject why I received a message about gather more information instead of giving the honest answer right away? I understand that XXXX has 30 days to review an application. However, my case was entirely clear right away. 

Next. In response to my first complaint, XXXX representative told that online advertising is not targeted and preapproved offer. Agree. However, it is CUSTOMIZED OFFER ; it is presented as : ( my name ) we recommend you this limited time offer! I believe - this is a misleading advertisement, that can be understood by an average person as meaningful and pre-screened personal OFFER to me ( since I being called by my name ). 
In contrast to other banks, on this offer pages do not appears bank requirements to applicant credit potential ( good credit, average credit, etc. ). Even the statement subject to credit approval does not appear here. All of this causes a false illusion of pre-approved offer.
Product: Student loan

How is ED Financial still responsible for all of these student loans when they can not manage any of it? 

My loans no longer show in their system but show everywhere else as belonging to them. 

Previous payments have been made and accepted, but also do not show in their system. 

Multiple attempts to contact and resolve go nowhere. 

No one responds to the multiple emails sent. Calls state a wait time of several hundred minutes and disconnect. There is a recording stating to push 1 to get a call back at your place in line but does nothing if you press 1. 

Attempts to use the online chat feature supply a link to a page that says the chat is not available.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting this CFPB Complaint to you today to request from you to remove the fraudulent items I found on my Credit File. My credit report contains a significant number of unauthorized requests, as well as some erroneous reporting of Information. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC with XXXX XXXX # XXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else. Please remove the following items off my Credit File : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, AZ XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX  XXXX Balance Owed : {$670.00} XXXX XXXXXXXX Balance Owed : {$2000.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX. Under the FCRA Section 605b, you are required by law to remove any accounts and information that resulted due to identity theft, please do so.
Product: Checking or savings account

I am writing to formally express my deep dissatisfaction and distress caused by the handling of my account and disputed charges by Navy Federal Credit Union. Despite my persistent efforts to resolve this issue, I have encountered a distressing lack of assistance and communication from Navy Federal Credit Union, which has exacerbated my financial and emotional stress. 

On XX/XX/2023, I opened an account with Navy Federal. Issues began to surface when fraudulent charges were made on my account. On XX/XX/2023, located at XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX, I met with a banker to dispute several charges. I was assured that the disputed charges would be credited within 5-7 business days and that I would be contacted if there were any queries. Regrettably, this did not happen. Moreover, despite reporting my card as missing and providing an updated mailing address, I found that my address was not updated and the missing card was still active, leading to more fraudulent transactions. 

The initial list of disputed charges included multiple transactions from XX/XX/2023, to XX/XX/2023, including several charges by Navy Federal Credit Union for Returned Item Fee, when I had a positive balance in my account and nothing was ever returned. The distress caused by these fraudulent charges was amplified by my XXXX XXXXXXXX, making the situation extremely challenging for me. 

Subsequent visits to the bank and communications yielded no progress. On XX/XX/2023, I was informed that the investigation was closed without any explanation. Further fraudulent charges were made on the card I reported missing, indicating a serious lapse in security and customer service. My efforts to dispute these additional charges were also thwarted. 

In an attempt to seek resolution, I sent a certified letter to your XXXX, Florida office on XX/XX/2023, outlining additional fraudulent charges on card # XXXX. To date, I have received no acknowledgment or response, which is not only distressing but also unacceptable customer service.
Product: Credit card

On XX/XX/year> I went to a Kohl 's store in XXXX Idaho and made a in-store purchase in the amount of {$120.00} I swiped my Kohl 's card at the register the transaction was approved and then I look at my statement of transactions and Kohl 's has double charged me for this transaction on my Kohl 's card. I have called customer service numerous times about this and no one can tell me why this has happened or any kind of resolution to this issue but they can definitely see that there is a double charge but will do nothing and give me no information about it so they are collecting 33.4 % interest on this transaction that should not be there. Today which is the XXXX I tried to talk to another customer service agent and was once again told me they had no information on why this happened and I asked for a supervisor she would not give me one the supervisor refused to talk to me and the customer service agent would not give me her employee number she would give me no information on anything so I do believe this is fraud on Kohl 's charge card as they are now collecting interest on two amounts one that I made and one that they just decided put on there for the exact same day as it shows on my statement
Product: Credit reporting, credit repair services, or other personal consumer reports

credit bureaus are not doing investigations into my disputes I haven't received correspondence from the bureaus and its been well over a month
Product: Money transfer, virtual currency, or money service

I've registered to RobinHood services years ago. I've deposited a few XXXX dollars there, then after a while I noticed I was locked out of my account. I've been trying to regain access ever since, but now I've exhausted attempts and possibilities. There is no direct phone number I can call, they don't send any emails when I try to regain access, I was not notified by them about any changes to my account. Whenever I try to access the account, I get into a loophole of confirming my identity just to get an error message at the end saying I can't log in to my account at this time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am making a complaint because I noticed inquiries reporting on my credit report that I don't recognize. According to 15 U.S. Code 1666, the Credit Bureaus are breaking the law and are violating my rights as a consumer. The CFPB is suppose to protect my rights. I am making complaint hoping that this issue can be solved. 


INQUIRIES : PLEASE DELETE ALL INQUIRIES Equifax XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently pulled and reviewed my credit report and found unverifiable and inaccurate items that were reported on my credit report. I have made a list of all of the inaccurate accounts that I would like removed. I am in the process of buying my first home for my family. 

It is against the Fair Credit Reporting Act to report any information in regards to a credit report that is inaccurate and in violation. 

In accordance with the Fair Credit Reporting Act, all reporting has to be 100 % accurate on my credit report and under 15 U.S. Code 168e ( b ) and 15 U.S. Code 1681i ( 5 ), the listed accounts are in violation for inaccurate reporting. 

Please review all of the documents and remove the accounts that are listed.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions were unfeasible. The CFPBs findings indicate that Zelle not only neglected consumers but also allowed repeat offenders to exploit the system, leaving users vulnerable to scams, the lack of accountability and transparency is unacceptable and raises huge concerns about consumer safety.
Product: Credit card or prepaid card

On XX/XX/XXXX I purchased a XXXX gift card XXXX XXXX loaded on it bought XXXX XXXX  XXXX card. Instantly the website is hard to log in the call center call drops after the options. Later that evening I was able to log in. And see a purchase that I did not make of XXXX from an unknown vendor. 6 : hrs later and 130 min wait time I was able to put a hold on the card and was told the pending charges were gon na be dropped by the vendor and 10 days I would be credited. 15 days I call the center hold. No record of my complaint was told to check my gmail for a complaint form it was never sent. I believe that securespend is a clandestine company with a made to confuse web log in. And a call center also difficult and they are counting on you loosing patience and not getting your money back. I would like to know why " XXXX  '' is such the opposite of secure. I needed that XXXX XXXX I still do and would like it back.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX charged off a car loan account # XXXX According to the Fair Credit Reporting Act when a creditor has written the account off is close I did not receive 1099-C form from the creditor .They got a tax credit and I am not able to to report this as Income to the IRS and I should not has this debt on my credit profile .Please send me any forms and documentation that you have a right to report this as a debt if you can not please remove this from my credit report immediately
Product: Credit reporting or other personal consumer reports

My social security is not tied to the address thats on my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX. I never lived there. Look up my real social and stop going by what someone put on a piece of paper. I can give you my social. But I need that address off my credit because it is not me! It hindering me from getting a place for me and my XXXX kids!
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted OCWEN Loan Servicing about not releasing the lien and not providing the correct balance informatio to all 3 credit reporting agencies for months. The loan was paid in full on XX/XX/2018. I called the company on XX/XX/18 and they emailed the lien release. All credit reporting agencies are reporting a loan balance of well over {$7000.00}. There is a XXXX balance. This needs to be corrected immediately as this has affected several recent lines of credit that I have obtain including the purchase of a new automobile.
Product: Mortgage

Loan #  XXXX  Lender :  Wells Fargo Address:  XXXX   XXXX   XXXX ,  XXXX   ,  MD  XXXX .   I applied for loan modification f or over 15 times, at my count, and Wells Fargo denied them all. The last loan modification was denied on the ground that I was financially sound. I suspected it was a pretext. I called Wells Fargo and offered to make payments, since they determined that I was financially viable, and I am. They r efused to take my payment. I protested and asserted that it was not a ground for denial of loan modification.  XXXX   XXXX  whom I spoke with said that I was denied because I had equity in my home. I protested again, asserting it was  not a lawful ground to deny modification. WF said I had one option, namely, to short sale my house. WF had no intention of giving me loan modification, even though they were bailed out with taxpayer funds during the housing crisis and they used the money to buy Wachovia, which was how WF acquired my loan. WF manipulated interest rates, failed to credit my payments, canceled my low-rate insurance and forced one on me with high premium in which they were paid kicks. WF refused to acknowled ge my hardships ranging from my sons debilitating illnesses, my wifes illness, my daughters death, my  XXXX  income as a   XXXX    from  XXXX  to  XXXX , so that they would not forgive the delinquency, give me a rate down, give me principal reduction, forbearance, etc. The evidence of using equity to deny loan modification is demonstrated in the attachment.
Product: Debt collection

I have been a long time Customer with XXXX. I have their store credit card XXXX account # XXXX XXXX. Last year I suddenly received a debit collection call and got called at my job in a XX/XX/2017. The call caught me off guard and honestly I was very embarrassed to get the call at my job. The person on the phone was extremely rude and aggressive with the call the purpose. They harassed me over the phone to make a payment option so i did. I told them I had NO idea I was late on my XXXX payment so to know I am in collections is a shock. The person couldnt careless they went on with their written script and put me on a payment plan. Since then Ive tried to call XXXX ( XXXX ) and have been told my account is no longer with them. The repsentative referred me to XXXX creditor telling me that XXXX was the creditor for XXXX. I called the number provided by the rep ( XXXX ) and it routes me back to the debit agency.
Product: Credit card or prepaid card

This account, Ending in XXXX was on my account. I asked the credit bureaus to change the status from open to closed. They choose to delete it. When I told them what they did, they informed me Navy Federal must re-report the information. I called Navy Federal. Requested they re-report the information. They said they would not do so because I am an authorized user, not the primary holder. I do not need to see any statements regarding this account. The primary owner is XXXX XXXX, and I am an authorized, user. This account is old and under my former name XXXX XXXX. I called Navy a second time, in XX/XX/XXXX. They sent me the attached letter proving that I was on the account. They still refuse to re-report the information. This needs to be put back on my credit report. Navy Federal will not work with me, or give any information, making this impossible. This account was opened around XX/XX/XXXX, and I was removed in XX/XX/XXXX. There were no late payments in that entire time frame. Please feel free to ask Navy Federal about this account. They will tell you they can't find it but if you continue to argue they will " magically '' find it. There are plenty of notes about me calling in and requesting that they re-report it. The department I spoke to was credit card services. They sent emails to their credit specialist and were waiting for a return email. Feel free to ask to read the notes in both departments and read the emails. They are there even if Navy says they are not.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



XXXX  XXXX XXXXXXXX - IDENTITY THEFT UNAUTHORIZED INQUIRY : BXXXX XXXX XXXX XXXXXX/XX/2022 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 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 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any account listed on an id theft report. Ive already included this report in a previous letters & am included it again. This letter is to notify you if you do not block the listed accounts on my report I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. Currently you are in numerous violations of FCRA laws. My attorney is very excited at the possible outcome of this case because theyve already sued you & won tens of thousands in damages. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

These are the companies and inquiries that I do not recognize : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

XXXX XXXX and XXXX XXXX dont agree with the 30 days late payments then a repo on XX/XX/XXXX I believe it was 3 late payments in XXXX then repo in XXXX but they let me get the car back but still reporting late payments and repo when they let me receive the car back and still XXXX g payments and have the car till this day repo harming my credit and late payments that I thought wasnt suppose to report due to corona virus remove all late payments and repo
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I have been contacting this company Equifax, XXXX  AND XXXX for the past 7 months about this account on my credit report. 7 months and NOONE has gotten back to me. The reporting of those accounts violates USC 15 1681 b ( g ) 3. Medical information being released is violating my consumer rights. Please investigate this and remove it from my credit report asap im tired of waiting on responses in the mail that NEVER COME. The accounts are as follows below. They violated MULTIPLE laws thats I can sue for and I have the proof. 

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

My idenity was compromised while I was overseer serving in the U.S. Military between XXXX - XXXX. During this time XXXX XXXX and XXXX XXXX but a unauthorized hard inquiry on my credit report. I have included the dates below. I have never authorized XXXX XXXX or XXXX XXXX to run a hard inquiry on my credit report. I demand these hard inquiries be removed from my credit report immediately. 

1. XXXX XXXX XX/XX/XXXX 2. XXXX XXXXXX/XX/XXXX 3. XXXX XXXX XX/XX/XXXX 4. XXXX XXXX   XX/XX/XXXX 5. XXXX XXXX XX/XX/XXXX 6. XXXX XXXX XX/XX/XXXX 7. XXXX XXXX XX/XX/XXXX 8. XXXX XXXX XX/XX/XXXX 9. XXXX XXXX NXX/XX/XXXX 10. XXXX XXXX XX/XX/XXXX XX/XX/XXXX
Product: Money transfers

Purchased a french bulldog puppy on line for wife 's birthday. XXXX MoneyGram transactions. To arrive today at our address. Did not arrive. Phone number not answering. Internet search revealed a second site with same pictures of the puppies ... same descriptions, etc. Suspect fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I received a alert from XXXX and XXXX XXXX. The alert stated that Capital One/ Cabelas bank made a inquiry by checking my XXXX credit file a hard inquiry. I never made this attempt for this account. I called to the company Capital one and they explained to me that I would have to report to credit bureau. Credit bureau told me this is fraud and to file through FTC.gov which brings me here.
Product: Credit reporting, credit repair services, or other personal consumer reports

Delete accounts associated with XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX from my credit report as I am I victim of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by EQUIFAX. Despite sending them the last letter, dated XX/XX/2021, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account and needs to be removed completely from my credit report :
Product: Mortgage

Wells Fargo Mortgage fraud perpetrated by ex husband have a letter from Wells Fargo regarding this incident, he also with this illegal mortgage filed a false tax lien using my social security number XX/XX/2016 and sabotaged my XXXX back payment and caused me to get evicted from my apartment XX/XX/2016.