23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I have numerous issues..I spoke to one of your agents on XX/XX/XXXX for over an hour.My sister 's name and mine are the same. Our socials differ by one digit. The 3 bureaus have her info on my file.I thought this was fixed till I got my 3 reports. All mixed up! Does not have my correct address. 
XX/XX/XXXX XXXX XXXX reports 3 addresses in XXXX. I have lived present house for 22 years. XXXX XXXX XXXX. Never XXXX? Employers from XXXX?? am XXXX  XXXX since XXXX.XXXX  XXXX  XX/XX/XXXX . I never got a card. XXXX XXXX who stated they told XXXX XXXX that was NOT MY DEBT! 
Experian-XX/XX/XXXX..I never had a XXXX XXXX acct. Never chged any money.XXXX  XXXX  again.I spoke to them they know I didn't have their card. Still showing past due etc ... didn't have 2 XXXX XXXX cards it was a fraud..only have 1. Shows XXXX XXXX XXXX..never lived there..XXXX XXXX..sister..XXXX.XXXX.not us..XXXX  XXXX. Sister..XXXX.XXXX..sistrr..XXXX  XXXX XXXX..sister..SHOWS SOCIAL VARIATIONS ; XXXX?? NEVER USED XXXX IS SISTERS..XXXX  IS MINE..Do n't work at a trucking company? Have also called all of these inquirers that I neverrr called..I never applied for Life Ins..XXXX XXXX..XXXX   XXXX..Leasing..XXXX  etc.. 
XXXX  : Again, had 3 addresses in XXXX..only lived at one..had my sister 's year of birth XXXX..not mine..and her social XXXX..and her name XXXX. 
But this XXXX XXXX investigation of XXXX XXXX  was incorrect. XXXX said they told XXXX that it was NOT me and they were writing it off..it was a fraud..so was one of the XXXX XXXX. They are all still reporting XXXX and it was NEVER MINE!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 my bank account was compromised and XXXX Bank froze all activity on the 7 accounts, but did not send written notification nor called to informed of their action. After speaking with XXXX not being able to make withdrawals, they informed me of the freeze and stated the accounts were under investigation because of a fraudulent deposit made. The accounts were on hold from XX/XX/XXXX - XX/XX/2019. All transactions, deposits and withdrawals were not permitted. I received a letter dated XX/XX/2019 informing me of the restrictions by the Fraud Department. Unfortunately a payment was made to Capital One for my credit card on XX/XX/2019 in the amount of {$160.00}. Prior to this payment, I had never had a 30 late payment on this account. I have submitted a review of this account and my payment history to Capital One and included details of the fraud on the account. Because the payment was submitted prior to the 30 day delinquency and the freeze prevented to payment from being honored, I believe I should not be penalized for a payment that I had no control over being rejected. This was not an NSF rejection. And the initial 30 day in XXXX then caused the subsequent payments to also appear to be delinquent. This also would include additional fees charged that increased the amount due.
Product: Credit card or prepaid card

I send in my payment back on XXXX of 2018 and my check was cashed. I never paid attention to my account till after I received the new statement that showed I was past due for 30 days. My check was somehow cashed by a unknown person while the mail was either in transition or with Capital One Bank. I reported the problem to Capital One after which they requested the copies of the cashed check shich I provided to them. A month later I received a letter from Capital One Bank that they could not correct the negative reading as it was not their fault. I have also sent an email to their CEO to request for assistance but my email was never answered.
Product: Debt collection

I reviewed my credit report and discovered the following : Account : Caine and Weiner Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXn the amount of XXXX which was purchased from XXXX XXXXe by your company as debt buyer Florida has several laws that regulate debt collection agencies, including the Florida Consumer Collection Practices Act ( FCCPA ) and the Florida Commercial Collection Practices Act : I never received documentation about alleged debt, according to FCCPA Protects consumers from unfair and deceptive debt collection practices. This law mirrors and supplements the federal Fair Debt Collection Practices Act ( FDCPA ), which only applies to third-party debt collectors. The FCCPA prohibits debt collectors from contacting consumers at certain times and places, such as before XXXX XXXX  or after XXXX XXXX, unless the consumer agrees. It also requires debt collectors to send a written notice to consumers within five days of first contact, stating the amount owed, the name of the creditor, and what action to take if the consumer believes they don't owe the money Caine and Weiner isnt licensed in the state Florida to collect alleged debt according to the Consumer Collection Agency License Requirements in the state of Florida for agencies that collect consumer debt owed to another person.
Product: Checking or savings account

My bank here in XXXX, Ok charged me a XXXX fee for funds transfer to bank of the west. When bank of the west received the funds transfer they charged me a XXXX fee. I tol+++++++++++++++++++++++++++++++++++++++++dbank of the west to close my account and they told me they could not close it. If I send another funds transfer my bank will charge me another XXXX fee and bank of the west will charge me another XXXX fee. I just want this bull XXXX account with bank of the west closed. WITHOUT reporting to XXXX or ruining my credit
Product: Bank account or service

Us Bank took a {$100.00} out of my checking account for XXXX that I did not authorize, I talked to net credit and told them that I could pay {$100.00} monthly. I was ask how I wanted to pay and I said I will called it in and pay by phone, I then paid for XXXX 2016. Now when the month of XXXX came, XXXX took {$100.00} out of my account without my permission I did n't authorize an ACH or call in for XXXX to debt my account. US Bank refunded my {$100.00}, to later take the {$100.00} back, US Bank fraud department told me that XXXX has that right since I owe them, but they do n't have the right to go into my account without my approval, they have the right to their money but they must go, I repeat they must go though the proper procedure by law and be approved ( I believe ). By the way I found out that XXXX XXXX had a Charge Off against me, I don '' t think you can charge off and collect to. They are taking my Federal benefits without approval, these tactic needs to stop. I realize {$100.00} is n't much, but it 's the little foxes that spoil the vine. The person I spoke to in US Bank fraud was name XXXX, in the complaint department is XXXX, XXXX. I thank you for the help!
Product: Student loan

The company Navient has been illegally attempting to collect payments from me since XXXX 2022. I have reached out several times reminding them that the current laws according to the XXXX XXXX state that there is a pause on XXXX XXXX XXXX until XX/XX/2022. They are now threatening me with defaulting on the loans. They have made it impossible to communicate via email, or customer service to speak with anyone who can correct this illegal attempt of coercion. I am fully aware that this company is involved with several class-action suits because of their repeated illegal tactics, misinformation, and harrassment. I want them to repeal all monies and interest rates immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It has been an encounter going over this and I am submitting this complaint AGAIN to remove the following fraudulent accounts in my file that are reporting on Experian Credit Bureau. I would like to request the suppression of these accounts from my credit report, which is the result of a fraudulent item origination and identity theft. I have already done my part by sending my documents like my DL, SSN, Address, and the dispute letter I sent to Experian. Also, I have sent my FTC report but still, nothing has changed. Pursuant offer section 605B ( a ) ( 1 ) ( 2 ) you are required to BLOCK or REMOVE any information in my file that resulted from alleged identity theft, not later than 4 business days after the date of receipt PLEASE DELETE IMMEDIATELY! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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've consistently maintained punctual payments on this account, preventing any instances of overdue status. The rationale behind the reported late payment remarks on my accounts eludes me. According to 15 USC 1666b - Billing Error, corrections should be made.
Product: Credit card or prepaid card

Bank of America has NOT responded to countless attempts to resolve a fraud dispute. 
Bank of America should protect me from fraud, and not only are they upholding fraud against me, they have NOT responded to me from day one. I have records to prove it inclduing social media correspondence of me pleading to get Bank of America, just to take my call or answer my questions. They completed ignored me. 

I initially filed fraud claims with Bank of America Visa Credit Card in XXXX of XXXX. I provided them with the full history and detailed explanation of what happened with All in One Moving and Countrywide Relocations in writing and via phone. 
I received little no information from Bank of America, regarding everything from the correct amount owed on payments every month, to the status of my claims and could not get clear and concise information from Bank of America at any point. 
I repeatedly tried via phone, email, fax, and social media along with claims filed with the Consumer Financial Protection Bureau. 
Claims at no point despite countless attempts to contact them regarding these issues, returned my calls or attempted to clarify anything. 
I was assigned a Resolution XXXX, XXXX XXXX, who had promised me from day XXXX that she would contact me with her direct email, phone number but failed to do so. XXXX failed to update, reply to messages, answer calls or provide updates since XXXX. On the rare occasions I did speak to her she would say, she will follow up with me but would not. When I spoke to XXXX in XXXX she said she would contact her boss and the claims department and call me back everyday to give an update but did not do so. Even XXXX, on a recorded line, had admitted to me that she didnt understand what the claims department needed from me/ asked of me and would get me the info, but she failed to follow up. 


Bank of America is denying the claim, based on a technicality of time NOT anything substantial. 
I have been a customer with Bank of America for XXXX years and I am a stockholder and have never experienced treatment and/or service from them like this. 

I have asked for XXXX to put her boss in contact with me and the head of their claims department and she's ignored requests. 

XXXX XXXX XXXX XXXX XXXX XXXX Department XXXX ext. XXXX Case # XXXX I was defrauded by All and One Moving and Storage for {$8000.00}, which is NOT a valid business and was shutdown by the state of New Jersey and is NOT authorized to operate.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

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 and you the XXXX reporting agency block information appearing on my consumer report that is the result of fraud and identity theft within 4 days of you receiving this complaint. This fraudulent, inaccurate and false information consist of personal credit cards and Auto loan account opened at XXXX XXXX XXXX XXXX along with a Personal Credit card from XXXX XXXX. These accounts have resulted in several fraudulent collections appearing on my consumer FICO credit reports maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts collections or hard inquires as reported. The aforementioned accounts collections and hard inquires appearing on my consumer report maintained by you were not opened made or initiated by me all the aforementioned accounts collections and hard inquiries are the result of identity theft and fraud. I have attached a cop of FTC Identity Theft 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: Mortgage

The mortgage on my home is serviced by XXXX XXXX XXXX of XXXX XXXX XXXX My loan number is XXXX. I was advised by XXXX XXXX that the servicing of my loan has been transferred to Fifth Third Bank ' XXXX, OH. My next payment is due XX/XX/XXXX. I generally pay my mortgage before the due date however it is now XX/XX/XXXX and I have never heard a word from Fifth Third Bank confirming that they are in fact the new servicer. I am reluctant to simply send my payment to Fifth Third yet I need to pay it soon. There is a phone number for Fifth Third however after numerous attempts and countless time on hold I have never been able to reach a live person. To complicate matters further I am selling my home with a closing date of XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Equifax has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or incomplete items unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Equifax 's inaction violates federal law and my rights
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disputing a couple of inaccurate items on my credit reports and have been trying to for quite some time yet the credit reporting agencies are not communicating with me on those investigations. I understand that we were in a Pandemic and took that into consideration after I didn't receive a response the first, or second time but the this time I gave them 3 Months to respond and they still have not. I don't understand how the Federal Government can create laws to protect me the consumer and yet these corporations STILL don't have to abide by those laws. The Fair Credit Report ACT requires Credit Reporting Agencies to respond to investigations within 30-45 days. Yet the Credit Reporting Agencies do not respond at all. Upon doing some research, I read that the Trump Administration cut the funding of regulatory agencies giving these corporations a free ride to take advantage of consumers like me. It seems that's exactly what Equifax, XXXX  and XXXX XXXX are doing as they ARE NOT complying with the FCRA at all. This is why I'm finally reaching out to the CFPB which is supposed to enforce and protect consumer laws especially against the Credit Reporting Agencies. I sent letters to all three credit reporting agencies on XX/XX/2020, XX/XX/2020, and XX/XX/2020 and never got a response from any of them. In the past they would send a letter to any investigation or letter I sent but now they NEVER respond and continue to report inaccurate, incomplete, or unverifiable information on my credit report. When I contact them to ask them about my investigations, they just give me the run around, say they never received a dispute letter ( which is a lie that Equifax uses every time ) even when I send them certified and they sign for them. The CFPB needs to enforce these laws that are supposed to protect consumers and not let these credit reporting agencies blatantly break the law. We have a new President now who does support American Consumers and their rights so it's time for the CFPB to do their job and hold the credit reporting agencies accountable.
Product: Credit reporting or other personal consumer reports

The school charged me for out of county tuition which was more than double the rate for in county, I wasnt aware because i never recieve a bill from them and when asking for them to readjust my rate for me to get refunded they told me I would have to get a lawyer.
Product: Credit card

A letter addressed to my wife, dated XX/XX/XXXX from Navy Federal Credit Union XXXX XXXX, XXXX, XXXX stating that a past due amount of {$12.00} needed to be paid to this Navy Federal Credit Union. Threatening statements indicated that late fees would be assessed, and information would be sent to the credit bureaus concerning late payments, missed payments, or other defaults might be reflected on her credit report. 

We called a toll free number to resolve this because my WIFE NEVER APPLIED FOR A CREDIT CARD from this credit union. We live in XXXX, ane we have never had any dealings with any credit unions. The first person we talked to said the following : A credit card had been issued to an XXXX XXXX at an address of XXXX XXXX XXXX, XXXX, XXXX, with a credit limit of {$25000.00}! This credit card was opened on XX/XX/2016. The {$12.00} charge was a XXXX charge to ship the credit card to the applicant! 
Supossedly the nexy day, Navy Federal Credit became suspicious, and the account was put on hold. 

WE WERE NEVER MADE AWARE OF THIS TRANSACTION. THE ONLY NOTICE WE RECEIVED WAS THE LETTER DEMANDING PAYMENT OF THE {$12.00}! I asked why we were not contacted, an I was told that the PHONE NUMBER WAS INVALID. BUT NAVY FEDERAL COULD HAVE CONTACTED US BY MAIL! WE RECEIVED BILLS FROM NAVY FEDERAL WITHOUT ANY PROBLEMS! 

We made several phone calls to the " fraud department '' of Navy Federal Credit Union. I was completely stonewalled by supposed fraud executives named XXXX and XXXX. XXXX was rude, abrasive, offered no information, and interrupted us several times. Her last comment was we needed to talk to XXXX. When we tried to contact her she was unavailable. We left a message for her to call us back, but she never called back. 

In conclusion we consider this matter to be ignored and unresolved. It seems that this Navy Federal Credt Union was totally unconcerned with our questions. This appears to be a serious IDENTITY THEFT attack. We we trying to get all the information about this breach, and how it could be possible that this credit union could actually issue a credit card particularly one with such a high amount from a credit union in XXXX to an individual in XXXX without contacting persons that would be responsible for the charges on this credit card! We need as much information as possible in this matter so that we might contact authorities that might protect us. Obviously Navy Federal Credit Union has no interest in advising us at to actions we might take to protect us. 

I consider the people in the department who verifies credit applictions and are in the fraud department to be useless and incompetent. It distresses me that this company is allowed to use the words " Navy '' and " Federal. ''
Product: Mortgage

The Mortgage Firm transferred my loan from one payment servicing center to another and changed my loan number. My loan remained with The Mortgage Firm. The Mortgage Firm has received and cashed my XXXX, XXXX and XXXX payments but they have not applied the payments to my loan. They have held my payments in suspense and are not responding to my repeated requests to have the payments applied to my loan. My XXXX payment cleared my bank on XX/XX/XXXX in the amount of {$570.00}. I provided XXXX at The Mortgage Firm with a copy of the cleared check on XX/XX/XXXX. I provided a copy of the cleared check to XXXX XXXX and Director of Loan Transitioning XXXX XXXX at The Mortgage Firm Corporate Office on XX/XX/XXXX. My XXXX payment cleared my bank on XX/XX/XXXX in the amount of {$570.00}. On XX/XX/XXXX, my bank, myself and XXXX at The Mortgage Firm conducted a conference call regarding my XXXX payment in which my bank told The Mortgage Firm that they had cashed my XXXX check. My bank stated they would email a copy of the cleared check to The Mortgage Firm. I emailed a copy of the cleared check to XXXX at The Mortgage Firm on XX/XX/XXXX and XXXX confirmed receipt. I provided a copy of the cleared check to XXXX XXXX and XXXX XXXX at The Mortgage Firm Corporate Office on XX/XX/XXXX. I provided XXXX XXXX and XXXX XXXX  the tracking number and XXXX confirmation of delivery of the payment from the old servicer to The Mortgage Firm Corporate Office on XX/XX/XXXX. XXXX is listed on the XXXX confirmation as being the person to receive the delivery and XXXX XXXX confirmed that she was the one who would have received it. My XXXX payment cleared my bank on XX/XX/XXXX in the amount of {$570.00}. On, XX/XX/XXXX, I provided XXXX XXXX and XXXX XXXX with the check number and date my check cleared. I received a letter dated XX/XX/XXXX from The Mortgage Firm stating that my account was delinquent. I have been told by XXXX that RESPA covers my payments until XX/XX/XXXX. Mr. XXXX has not returned my phone calls or responded to my emails. As of today 's date my account shows my payments in suspense. Mr. XXXX has failed to resolve the issue of my payments not being applied to my loan. Mr. XXXX and Ms. XXXX have both failed to respond to my repeated requests for the contact information for the regulatory department with oversight of The Mortgage Firm.
Product: Credit card or prepaid card

In XX/XX/XXXX I lost my job due to the pandemic and was unable to make payments to my credit card. My credit card was never late until XXXXXXXX XXXX XXXX and it was late for 3 consecutive months. My credit card was closed out XX/XX/XXXX.
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. Dispite using Zelle numerous of times and reporting discrepancies, my financial institution and Zelle fail 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 has not only neglected to protect customers but has also allowed offenders to exploit the system, leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.