23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Negligence, poor billing practices, trick and device/scheme and or fraudulent billing I was a previous DMV investigator for the State of California and worked credit card fraud and was a member of the International Credit Card Fraud Investigators Association . 

Here, FNBO is violating the XXXX XXXX XXXX with XXXX XXXX. 
FNBO is under contract with XXXX XXXX XXXX as well. 

Here, FNBO under Credit Card # XXXX does not participate in the normal business practices of automatic and automated credit card payment system, thus this adds significate delay in processing payments as my banks have to send a " Snail mail '' check to FNBO for processing. 

Plus, a memorandum by the XXXX stated last year, a significant delay with XXXX process of mail, whereas FNBO has not acknowledge in their payment processing. 

Herein lies the continued issue with FNBO, when a payment is submitted to my bank, XXXX XXXX, which is only a internet bank, they have to physically cut a check and mail to FNBO. 

FNBO inherently has a really poor performance record of clearing any check, takes over XXXX weeks an up to XXXX weeks to process and reflect on their end. 

This is way over the time for processing in like kind commerce, thus here under trick and device, negligence, FNBO common violations are an attempt to delay payment, adding fees and charges to the consumer in violation of the XXXX XXXX master contract with banks and financial institution. 

The way FNBO makes snail mail a process to pay, inherently makes this account subject to needless delay in processing. In addition, the XXXX XXXX XXXX a small city in XXXX, leads credence to questionable times, employees actually go to the XXXX XXXX XXXX pick up and process bills send to the entity. 

FNBO billing practices are subject to CFPB oversight, and we are alleging, negligence, trick and device and a scheme whereby they intentionally delay and charge customers fees and charges for delay in payments that is set up that way by FNBO. 

We suggest CFPB conduct an audit of FNBO billing practices as this is not an isolated incident and a practice since I obtained this card a year ago, as they routinely take up to XXXX weeks or more to process mailed in payments.
Product: Credit card

My husband and I applied for an American Express card XX/XX/XXXX. He has been XXXX XXXX XXXX XXXX XXXXXXXX, with no breaks in service. 

American express refuses to cover our account under the XXXX. We have applied XXXX times, and been denied each time, with no explanation. They accidentally submitted us for XXXX relief ( we never applied for this, as we know we got the credit card after my husband was on active duty- this was an AMEX Error ) - they sent us a denial letter saying that we were not eligible for XXXX  because the credit card was acquired after he went on active duty- which we know, which is why we were applying for XXXX. 

Amex has acknowledged that my husband is XXXX XXXX, yet has denied the XXXX for our account over the past 2 years. 

On one of my last calls, I was told I was not eligible for XXXX because I am a dependent of my husband, and I had to point out that federal law, and their own cardmember agreement covers dependents of military members. ( cardmember agreement posted below ) Note : I am in the XXXX XXXX, and have never applied for XXXX for my own service, as I don't qualify, only my husband is XXXX XXXX. Amex has mistakenly applied for XXXX on my behalf XXXX. 

" Federal law provides important protections to members of the XXXX XXXX and their dependents relating to extensions of consumer credit. In general, the cost of consumer credit to a member of the XXXX XXXX and his or her dependent may not exceed an annual percentage rate of XXXX percent. This rate must include, as applicable to the credit transaction or account : the costs associated with credit insurance premiums ; fees for ancillary products sold in connection with the credit transaction ; any application fee charged ( other than certain application fees for specified credit transactions or accounts ) ; and any participation fee ( other than certain participation fees for a credit card account ). " When asking why I was denied, customer service says they " dont know '' and it's a " back end '' system that makes the determining factor. I've asked to speak with someone in that office, and Amex Customer service has said that's impossible, and they can not follow up for more information. They have never given me an answer as to why they will not give me or my husband XXXX. I have attached a denial letter here, with XXXX explanation as to why the request has been denied. 

I have provided the following documents to american express : -my husbands orders ( uploaded to Amex document center 3x ) -marriage certificate -their own card member agreement with text -federal law saying dependents are covered by XXXX I have provided these things several times over, and they continue to violate the law.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, My name is XXXX XXXX, and I am writing this letter personallynot through any third party. I am fully aware of my consumer rights, and what has occurred regarding my account is both unlawful and unacceptable. I have attached a valid identity theft report from https : //www.identitytheft.gov/. When I called to check the status of my dispute, I was informed that it was rejected because the identity theft report was deemed not real. This is absolutely false and against the law. 

I am addressing a serious violation of 15 U.S. Code 1681b, which outlines permissible purposes for accessing and using consumer reports. Specifically, under subsection ( a ) ( 2 ), no entity is allowed to obtain or report information from my consumer report without my explicit written consent. Furthermore, the account listed below is inaccurate and misleading. I have enclosed a copy of my credit report showing the disputed information. The account is being reported as a charge-off, but I have evidence ( screenshot attached ) that proves this information is incorrect. I am demanding that XXXX XXXX provide proof of my original signature and evidence showing how the account was opened. 

I was unavailable for personal reasons at the time the account was opened, and my personal information was used without my consent to create fraudulent accounts in my name. I demand that these accounts be blocked and removed immediately to prevent any further unauthorized use of my identity. This also falls under Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. 

I have not given XXXX XXXX any consent to open or use these accounts, and therefore, they must be removed from my credit report immediately. If this is not done, I will pursue legal action in small claims court for monetary damages. Additionally, I have already filed complaints with the Consumer Financial Protection Bureau, the Attorney Generals Office, the XXXX XXXX XXXX, and the Federal Trade Commission. 


Under penalty of perjury, I state that this account is false and misleading : XXXX XXXX Account Number : XXXX Please remove it from my credit report immediately. 


I am aware that many consumers, including myself, have been receiving generic form responses to disputes without proper investigation. This is illegal, as each dispute must be reviewed and addressed individually. 

Let me be clear : I am the author of all correspondence sent in my name, and every dispute has been submitted with my full knowledge and consent. There is no legal basis for delaying my dispute processing, and I do not require a power of attorney to exercise my rights. 

If you fail to address my concerns promptly and remove this inaccurate account, I will consider it a willful violation of my rights and proceed with legal action. XXXX XXXX and XXXX will be held accountable for damages up to {$1000.00} for each proven violationand there are plenty. 

This is a formal demand. 

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

After reviewing my updated credit report there are accounts that I consider to be inaccurate and incomplete which was recently obtained by your company. I am sending this letter to your company to let you know that these errors and incomplete information you are reporting have negatively impacted my credit score.
Product: Checking or savings account

On XXXX, I was looking over my debit card accounts, ( XXXX, XXXX, and Cash App ), so that I could pay a few bills and I noticed the {$400.00} I had transferred to my Cash App account balance was now saying {$94.00}. I immediately contacted them through their Chat to find out what happened to my money and was told to fill out the dispute form. I submitted the form and not even 24 hours later received an email saying my dispute was being denied due to the merchant showing the transaction as captured, whatever that means, and if I wanted a copy to request it along with the reference number I was given at the end of the email. I requested a copy of this quick investigation and have yet to receive it but am still being denied a refund! Like I told Cash App, it doesn't make sense for me to transfer {$400.00} from one debit card to another only to withdrawal it all hours later when I could 've just withdrawn it from my XXXX account to begin with!!!
Product: Payday loan, title loan, personal loan, or advance loan

I took out a loan for {$XXXX} in XXXX of XXXX  it is now showing a balance of {$XXXX} after XXXX  months of payments of {$XXXX}. Then in XXXX I had XXXX after an injury and have been a little behind. I find it very odd that one of their competitors gave me almost the same loan with the payments being only a few dollars different and I now owe them {$XXXX} what a vast difference. OneMain Financial seems to take advantage of their consumer 's hardship and create an even worse condition than the one that brought them to their agency in the first place. And to add insult to injury they are saying the payoff would have to include roughly {$XXXX} more in interest
Product: Credit reporting or other personal consumer reports

RE : TRAFFICKING BLOCK REQUEST To whom it XXXX concern, I am writing to advise that I am aXX/XX/XXXX. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Collections that are being challenged XX/XX/XXXX XXXX. PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN XXXX BUSINESS DAYS, PURSUANT TO SECTION XXXX OF THE FAIR CREDIT REPORTING ACT. PER XXXX IN BRIEF, SECTION XXXX PROVIDES THAT A CONSUMER REPORTING AGENCY XXXX NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OFXX/XX/XXXX IN PERSONS. IF THE CONSUMER HAS PROVIDED XX/XX/XXXX DOCUMENTATION TO THE CONSUMER BILLING CODE : XXXX CFR PART XXXXXX/XX/XXXXXXXXXX/XX/XXXXXXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XX/XX/XXXX REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TO THIS MATTER!!
Product: Student loan

Hi there, I have two issues to report regarding MOHELA. 1. On at least two occasions ( that I have noticed ), MOHELA has charged interest to my student loans during the COVID era. They do not respond to inquiries of why. 2. I applied for PSLF earlier this year, MOHELA asked for supporting documentation, which was provided, but has since placed my application in a canceled state w/out any explanation or update.
Product: Student loan

I have a consolidated loan with Navient. My minimum payment for the course of the loan was {$190.00}. The last XXXX years I have paid more than the minimum payment. I recently called to return to my original payment and I was told that is impossible without applying for a new loan!
Product: Credit reporting, credit repair services, or other personal consumer reports

when i talked to a agent a shellpoint they told me my late payments would not be reported why i wait on XXXXXXXX XXXX relief to approve or deny me but i see that was a lie they reported me late today score went down XXXX XXXX smh
Product: Credit reporting or other personal consumer reports

I strongly request the immediate removal of this late payment from my account, as it does not accurately depict my payment history. I have consistently made timely payments, and it is unacceptable to have this erroneous entry listed. Kindly update my account promptly
Product: Checking or savings account

On the XXXX of XXXX, I suspect a hacker electronically deposited a fraudulent check into my Wells Fargo checking account from an ATM in Virginia. The money was loaded onto my XXXX XXXX account and forwarded to an unknown individual. The check subsequently bounced three days later. I bank with XXXX, XXXX XXXX  XXXX, and XXXX XXXX XXXX XXXX. This particular account with the suspected fraud is a Wells Fargo student checking account, and it has had upwards of {$11000.00} in that specific account at once, and I don't pay it too much, mind. However, I noticed something was wrong when XXXX dollars vanished from my bank account almost instantaneously. I knew something was wrong because I was about to pay off some of my credit card debt, and my company denied my payment. That was when I logged into my checking account and noticed all my funds had been withdrawn, and there were two instances of fraudulent transactions on my account. Someone had hacked into my account and then hacked into my XXXX XXXX account to load the money and send it. I immediately notified Wells Fargo and XXXX XXXX that fraud was occurring. When I filed the claim with XXXX, they instructed me to take my card off the app and talk with my bank to resolve the issue. They also admitted that someone might have accessed my account unbeknownst to me since I don't have two-factor authentication set up yet. I reached out to Wells Fargo. They started up a claim and, in the process, issued me a new card and suspended my account while they " Investigated. '' They told me it would take up to 10 days to determine a resolution. I called three days ago for an update on XX/XX/XXXX. I called, and the first lady I spoke to said they determined that I was at fault and made the transactions, which is false. I live in Texas and have never been to Virginia. I don't have any family and don't know how I would access an atm over there. I live in Texas, and I am a college student in Texas. 
Furthermore, I didn't make the deposit, which is the most paramount fact about this situation. I was then directed to another number to call, the fraud claims department, where I spoke with another woman who said that my claim hadn't been resolved. They were still undergoing the investigation process, and a resolution would be determined by XX/XX/XXXX, which is the end of the 10-day timeline. I don't know what to believe, and I have two conflicting accounts from individuals from the same company.
Product: Credit card

Bank of America has misreported a balance on a credit card that I paid off over 6 years ago. I noticed it was still on my credit report when I checked it in XXXX. I 've written them and disputed with the credit bureaus however nothing has been resolved. The balance should be showing {$0.00} Please assist
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian updated my balance incorrectly on XX/XX/XXXX, my balance on my statement that was sent from my credit card company to experian should be XXXX XXXX but they have it reported as XXXX which is 97 % of the cards limit. I have sent experian a copy of my statement that gets sent out by the XXXX  XXXX  every month on the XXXX and it has not been changed to XXXX which is what the credit company reported on XX/XX/2020 to experian. Please reflect the correct statement balance, i will attach a copy of XX/XX/2020 statement to this complaint of account XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Account was paid in full on XX/XX/2020 2020
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$610.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4700.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4700.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. These are the items that need attention to be deleted in my file : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXXXXXX XXXX XXXX XXXX Inquired on XXXX  XX/XX/XXXX, XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX on XX/XX/XXXXXXXX XXXX  Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX
Product: Debt collection

My paychecks started getting garnished from a collection agency for a debt I never knew about, the apparent debt is 12 years old, the agency claims they contacted me once 10 years ago, and never again for the last 10 years. Ive never in the last 10 years received any statement, bill, notification, phone call, or any attempt to contact me regarding this alleged debt.
Product: Credit reporting or other personal consumer reports

I requested debt validation and proof of this collection agency being licensed to collect on this debt in XXXXXXXX XXXX XXXX on XX/XX/year>. That information was never received. Furthermore, this collection agency is not licensed to collect on debt in XXXX XXXX XXXX
Product: Checking or savings account

XX/XX/XXXX. {$55.00} to XXXX XXXX XXXX, Ohio. I am currently living in a hotel where I pay $ XXXX. For this week, the hotel overcharged me {$55.00}. I made XXXX payments. XXXX for {$160.00}, ( XX/XX/XXXX ), and the other for {$180.00}, ( XX/XX/XXXX ), totaling my $ XXXX total. I was then charged an additional {$55.00}. I spoke with the hotel about this, and there was a new manager who did not understand the weekly rate that I was receiving. They refused to refund the charge. I disputed the charge with CashApp, and they denied the claim, despite approving another claim for the same issue in the amount of {$10.00} from XX/XX/XXXX. 
I did try attaching photos of the charges and the dispute, but the website keeps freezing and I can not attach them.
Product: Credit card

Take a look at the attached documents. I urge the bureau to investigate accounts incorrectly reporting late payments, as I have a record of timely payments.
Product: Credit reporting or other personal consumer reports

A charge off account is showing on my report & the creditor told me that I can not get a copy of the 1099-C document because they did not officially charge off the debt and they didn't take a write off which is a violation because it says on my credit report that it is charged off which equates to false reporting & not reporting XXXX  % accurately. FCRA violations refers to a violation of the Fair Credit Reporting Act, which is a federal law that regulates the collection, dissemination, and use of consumer credit information. Federal law requires that consumer reporting agencies follow reasonable procedures to ensure XXXX  % accuracy of the information contained in their credit reports. If a consumer suffers damages as a result of a FCRA violation they may be entitled to bring a private lawsuit against the CRA and recover actual damages, statutory damages, and attorney 's fees. These accounts listed on my letter are not XXXX % correct and I demand them to be investigated completely.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. 

XXXX XXXX {$1000.00} USDEPTED XXXX {$3500.00} XXXX XXXX {$4200.00} XXXX XXXX {$1900.00} XXXX XXXX XXXX {$5800.00} XXXX XXXX {$920.00} DEPTEDXXXX   XXXX {$1200.00} XXXX XXXX XXXX   XXXX {$33000.00} XXXX XXXX   XXXX {$430.00} XXXX XXXX XXXX XXXX {$610.00} DPT ED XXXX XXXX {$180000.00} DEPTED XXXX XXXX {$2500.00} XXXX XXXX XXXX {$11000.00} USDEPED XXXX {$2500.00} XXXX XXXX XXXX {$12000.00} DEPTED XXXX XXXX {$9400.00} BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00}
Product: Credit reporting or other personal consumer reports

I am writing to dispute an unauthorized hard inquiry on my credit report. I did not apply for credit with this company, and I did not authorize this inquiry. 

Please investigate this matter and remove the unauthorized inquiry from my credit report as required under Section 611 of the Fair Credit Reporting Act ( 15 U.S.C. 1681i ).

I have attached copies of my identification and any supporting documentation to assist with your investigation.

Thank you for your prompt attention to this matter.
Product: Prepaid card

Cash app just closed my account for no reason at all lost all my business saying I was gambling how I dont even do that
Product: Credit reporting or other personal consumer reports

I was reviewing my credit report and noticed an inquiry that do not belong to me. 

XXXX XXXX XXXX XXXX