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

I acknowledge the time you have dedicated to rectifying the presence of fraudulent entries in my file arising from an alleged identity theft. However, several items still persist that necessitate removal. This marks my seventh complaint regarding identity theft victimization. In accordance with the Fair Credit Reporting Act Section 605B, ( a ), it is mandated that you expeditiously eliminate any items opened without my knowledge, consent, or authority within four business days. This removal requires the submission of : ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer affirming that the information does not pertain to any transaction by the consumer. The following fraudulent items require removal : -- -- -- -- -- -- -- EXPERIAN : 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: Checking or savings account

Here is a more professional version : I have recently experienced ongoing issues when attempting to use XXXX through my Discover account, both in the mobile application and on the website. Each time I try to access XXXX, I receive an error message stating that the function is currently unavailable. Afterward, when I log out and attempt to log back in to my Discover online account, the system locks my profile and I have to contact customer service to get it unlocked. 

I have spoken to several Discover account specialists about this problem. They informed me that an issue with XXXX integration is preventing access and submitted tickets to resolve it. However, despite calling back numerous times over a period of weeks as instructed, the problem persists. Each XXXX has to re-create and re-submit tickets, but XXXX remains inaccessible and my online profile continues having to be unlocked whenever I get logged out. 

I am concerned that this ongoing technical issue has yet to be resolved despite my contacting Discover on XXXX  occasions and cooperating with their troubleshooting instructions. I would greatly appreciate it if the matter could be escalated and prioritized so I can regain full access to my online account features without further disruption. Please let me know if XXXX  other information is needed from me in order to get this issue permanently fixed.
Product: Credit card

Using my XXXX XXXX XXXX account, I made a payment to Discover on XXXX/XXXX/16 in the amount of {$300.00}. the money left my XXXX balance immediatly. I saw it credited to my Discover account on XXXX/XXXX/16. then, it reversed a day or XXXX later. I contact discover ... they said that XXXX reported insufficient funds. XXXX serve said they did not report insufficient funds. I continued to contact Discover ... .they said they have to try 3 times and then they will send the money back to my account. they were rude and not helpful. 
Today I looked at my discover account to see if the third try worked. they charged me a {$37.00} NSF fee a nd {$55.00} interest fee.I am someone trying to pay off my debt rapidly and do the right thing. I am disgusted by both of these institutions.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  OH XXXX Phone : XXXX Email XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX Subject : Goodwill Request for Late Payment Removal Account Number : XXXX Dear XXXX XXXX Support Team, I hope this letter finds you well. I am writing regarding my account number XXXX, which I have maintained with XXXX XXXX since XX/XX/XXXX. Upon reviewing my credit report, I noticed a late payment recorded in XX/XX/XXXX. 

I take full responsibility for the missed payment, which was due to [ briefly explain the circumstances, e.g., an unexpected financial hardship or a temporary oversight ]. Since then, I have ensured that my account remains in good standing and have consistently made timely payments. 

Given my history with XXXX XXXX and the isolated nature of this incident, I respectfully request that you consider removing the late payment from my credit report as a goodwill gesture. This would be extremely helpful to me as I work to improve my credit profile and achieve my financial goals. 

Thank you for considering this request. I truly value my relationship with XXXX XXXX and look forward to continuing as a responsible customer. Please feel free to contact me at XXXX or via email at XXXX if you need further information. 

Sincerely, XXXX XXXX
Product: Debt collection

XXXX XXXX placed this account with this law firm after my attempts to negotiate a long term payoff plan at lower interest failed. This was explained to this firm, however they just sued me in XXXX court for this unsecured debt without notice. Never sent certified mail or anything to me!
Product: Money transfer, virtual currency, or money service

My XXXX XXXX XXXX XXXX XXXX to my deceased grandmothers bofa checking account thats been closed for at least two years. Neither the bank or school is saying they can do anything and the situation is quite frustrating.
Product: Credit reporting or other personal consumer reports

In Accordance with the Fair Credit Reporting Act, XXXX  ACCOUNT # XXXXXXXX XXXX ACCOUNT # XXXXXXXX XXXX XXXX XXXX ACCOUNT XXXX XXXX has violated my rights. 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I just checked my XXXX  credit report and have found a couple of unauthorized inquires I would like removed ASAP. I respect accurate reporting and need these inquiries removed per FCRA standards. 

Inquiries to remove are as follows : XXXX XXXX Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX CAP ONE NA Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a follow up to my previous complaint XXXX. 

XXXX. The XXXX credit report indicates that my account is Status 1 Late. 
The letter from XXXX dated XX/XX/XXXX reads " ... we have reviewed your account and found we are not showing a delinquency. '' XXXX. An automatic payment was not received by XXXX because of a XXXXXXXX XXXX  error that required me to close my account and set up a new account for autopayment. 
The autopayments that were affected by the bank error were in XXXX and XXXX of XXXX. My account should not be deemed late due to a bank error that caused my XXXX account ending in XXXX to be compromised. A new account at XXXX ending in XXXX was set up for future auto-payments to XXXX XXXX
Product: Credit card

Citi bank is dunning us with phone calls and txt messages demanding I pay over {$6100.00} that is past due. I DO NOT OWE XXXX XXXX OR CITI BANK ANYTHING AND MY BALANCE IS XXXX. Citi bank refuses to provide written confirmation of any claims and only tells me to call again in XXXX days. They refuse to put this matter in dispute. My XXXX  XXXX last spoke to XXXX Id # XXXX on XX/XX/year>.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  the following accounts, Account name : XXXX XXXX XXXX  XXXX Account # XXXX Account name : XXXX XXXX Account # : XXXX Account name : XXXX XXXX XXXX Account number : XXXX, has violated my rights. 

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.
Product: Debt collection

As I am in the process of increasing my credit scores to purchase a home within the next year, I came across a debt from the collection agency  Portfolio Recovery Associates   XXXX   XXXX  . On my  XXXX  credit reports  (    XXXX   XXXX   XXXX   ) . I have disputed this item many times myself, as well as  XXXX   XXXX   XXXX  ( which during this process it WAS removed from my report &amp; placed back on without giving me any notice within 5 days ) only to have it still remain on my  XXXX  credit profiles despite my disputes. The only verification that was sent was a BILL, with missing pages, that looks like it was something in the files they received from the originating company when  Portfolio Recovery Associates   XXXX  purchased the debt. I do not recall opening a credit card with said company. I am not admitting nor denying this debt I just want PROOF. So I sent through postal mail service, a   XXXX   XXXX   XXXX  letter to  Portfolio Recovery  asking for  VALIDATION o f this debt. A contract, signature, amount owed, how much they (   PRA )   purchased it for etc. proving that I owe this debt, Again I was only sent another BILL with missing pages. I am now filing a complaint to have the appropriate documentation sent to me showing I owe this debt to them OR to have it removed from ALL  XXXX  credit bureaus within a timely manner &amp; to NOT be placed back onto my credit reports.
Product: Student loan

I have a student loan, which was recently purchased and is being serviced by NelNet. On XX/XX/2023 I made three additional payments to three subgroups of my loan, separate and independent from my required monthly payment, which was made on time on the date of XX/XX/2023, which included mandatory allocations towards interest as well some to principal. The additional amounts were paid to subgroup AB, a total of {$19000.00}, subgroup AF, a total of {$24000.00}, and subgroup AG, a total of {$13000.00}. When reviewing my statement a few days later I noted that the majority of those additional payments were allocated to interest, and I contacted NelNet on XX/XX/2023 to enquire about allocating those payments instead strictly to the principal amount of the subgroups of those loans. When calling, I was kept on hold for over 60 minutes, and when speaking to their representative I was informed by their representative that all payments must pay off interest first, and that I would not be allowed to allocate those additional payments to the principal of the loans in those subgroups. When asked for clarification as to why the additional payments may not be made strictly to principal I was abruptly placed on hold without warning nor further instruction/discussion. I wish to file multiple complaints, first for NelNets unwillingness to allocate additional funds at my discretion, which, per my conversation with the CFPB representative, I have a right to so do. I also wish to file a complaint for their unacceptable customer service, in not only having wait times of greater than one hour, but for their lack of service and direction when speaking to their representatives. I finally wish to file a complaint regarding their dishonest practices, as it appears I do, in fact, have the right to allocate those funds to principal at my discretion. I would also remark that NelNet 's online web payment portal does not allow the borrower to direct where additional payments are to be paid to ( e.g. directed to principal vs interest ), which should be remedied. Their payment portal is also misleading, in that it lists under current balance only the principal left, not the entirety of the loan ( principal plus interest ). I have uploaded a screenshot of their payment portal, which provides example both of no option for direction of additional fund payments, but also to display the discrepancy between what they consider " current balance, '' vs what is the actual total balance of the loan ( as exemplified in the second screenshot, which includes the entirety of the subgroup loan via their online statement ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian continues to report unverifiable information and recently refused to re-investigate the public record on file. They claimed that their method of verification was XXXX XXXX XXXX XXXX and since my last complaint, XXXX has deleted the alleged public record from their databases. Experian can not verify this public record, it's impossible. 

Account Name : US BKPT CT NH XXXX Account Number : XXXX Date Opened : XX/XX/2016 Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I called XXXX  explained that someone has stolen my identity and have been applying for all kinds of stuff. They added a fraud alert but did not remove the Fraud request that I told them about. I have attached the identity theft report with the things listed that should be removed.
Product: Credit reporting or other personal consumer reports

In accordance with the fair Credit reporting act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiallity under 15 U.S.C 1681. 

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 15 U.S.C 1681 section 602 A. States that I have a right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states that a Consumer reporting agency can not furnish an 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, 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 information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

According to XXXX 's XXXX XXXX XXXX XXXX. defines XXXX as : Confirmation of the correctness, truth, or authenticity of a pleading, account, or other paper, by an affidavit, oath, or deposition. See : XXXX XXXX XXXX, XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX ; XXXX v. XXXX XXXX. XXXX ( XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX. XXXX. You have to have documents that support your claim that you verified the accuracy of the disputed item ( s ). Its the business record ( the documents ) that constitutes the accuracy, not the testimony of a 3rd party witness referring to the document ( s I dont have a contract with a signature attached and the credit agency has failed to provide physical proof I don't have documentation in my records of XXXX XXXX XXXX for {$140.00} XXXX dont have documentation in my records for municipals credit union for {$3300.00}
Product: Student loan

I requested a refund under the CARES Act for payments made during the XXXX waiver of {$34000.00} on XX/XX/22. I followed up with a phone call on XX/XX/22 to check that the refund was in process and received confirmation that it was sent to the Department of Education. I have not received any updates or information since XX/XX/22. 

On XX/XX/XXXX I logged into my Fedloan account and all my information has been erased. When I try to call Fedloan, they say that my account has been transferred to XXXX and I can not get hold of a representative because the call ends automatically. I received no information ( email, text, or physical ) that this has happened I found out by chance. 

It has been almost XXXX weeks since I put in my refund request on XX/XX/22 and I am hearing that Fedloan canceled the refund request when they transferred my loan over to XXXX  which I did not authorize them to do.
Product: Checking or savings account

I was a victim to identity theft and filed the FTC report, which is attached below in XXXXXX/XX/XXXXXXXX. On XX/XX/XXXX, I had a charge from XXXX and XX/XX/XXXX, XX/XX/XXXX on my SOFI account. I disputed these charges on XX/XX/XXXX with a representative for fraud. They denied my claim, even with the FTC report. Then XX/XX/XXXX XXXX took {$1700.00} from my account and I filed another dispute on XX/XX/XXXX with the FTC report included. They denied my claim again. They refused to provide me with any information used to determine this or acknowledge that identity theft took place. I just want my money back
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX  XXXX  XXXX, CA XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX  XXXX XXXX  Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX  XXXX XXXX  Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Experian Information Solutions Inc . 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Security Freeze Request Dear Sir/Madam, I, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX submit this affidavit to request a security freeze on my credit report. Pursuant to my rights under applicable federal and state laws, including but not limited to the Fair Credit Reporting Act and any other relevant regulations, I hereby formally request that a Security Freeze be placed on my credit file immediately. 

Affidavit : Applicant Identification : Full Name : 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 Security Freeze Request : o I request that a security freeze be placed on my credit report to prevent unauthorized third-party access, except for those legally authorized or with my explicit consent. 
o This freeze should remain in place until I personally request its removal in writing, in compliance with applicable legal requirements. 
Attached Documentation : I have attached the following documents to verify my identity and process my request : o A copy of my drivers license or government-issued ID. 
o A copy of a recent utility bill or bank statement confirming my current address. 
o A copy of my Social Security XXXX. 
Affirmation : I declare under penalty of perjury that the information provided in this affidavit is true and correct to the best of my knowledge. This request is made in good faith to protect my credit information. 
Confirmation Request : I hereby request written confirmation of the receipt and implementation of this security freeze request. I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I wanted to set up automatic payment from my bank to pay the full bill every month on my Bank of America XXXX XXXX obtained through XXXX XXXX XXXX. I filled out the form from XXXX XXXX and wrote in that I wanted to pay the full amount every month. When the approval came through I noticed the credit card company was only taking the minimum monthly bill in the future. A cozy way for them to let the balance ride and charge me interest. I called XXXX XXXX, complained and had that automatic payment canceled. The person on the phone sent me another paper application and told me I could also make the arrangement to pay the full amount on line. Well I tried on line but there was no option to pay the full amount every month. On the second paper application there was again no blank to direct paying the full amount every month. Previously I had written in the instruction to pay the full amount every month. Knowing this would not work, I did not resubmit the paper form, nor try the online form, which also did not offer the option I sought. So far I only used the credit card on my first in-store purchase at XXXX XXXX XXXX and have, which I paid by check, but have not used the card since. XXXX has an option for paying the full amount monthly on an automatic basis, which I take advantage of for two Visa cards. I think the failure of XXXX XXXX to offer this option is a sneaky way to keep running balances so they can charge interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently XXXX XXXXXXXX XXXX Card services reported to Experian that I have a XXXX day late payment with them which is completely false. I paid my bill in full with a money order before the due date, I never received mail from them that my payment was late. This is fraud to report to Experian that my payment is XXXX days late, ask them to produce the money order payment, it never was returned to me.
Product: Bank account or service

I found out today that due to Bank of America mistakes I am now on the blacklist at early warning services and other banks are not willing to give me an account. 

On or about XXXX XXXX 2016, my dad and myself went to a BOA branch in XXXX NY to open a bank account for our business. 

After the rep opened the account she took me to the ATM and had me deposit a check of {$9900.00} via the ATM. After the check went in a receipt was printed indicating that the check will be held for 7 days which was not acceptable for us. 

We immediately told her that it was not acceptable and we want the check back. The rep told us that it is not possible and got us the manager when we requested. 

The manager told us that it is not possible to get the check back and suggest that we put a stop on the check at our other bank. I responded that I will do so if BOA will absorb the fee associated. The manager told me he can make some calls and waive the fees from XXXX XXXX. About 15 minutes after I was told that a XXXX rep wants to talk to me regarding waiving the fee. 

At this point the manager at BOA was able to get the fees waived for a stop payment for the check that was in the ATM. I went ahead and confirmed with XXXX that I wanted to stop this payment. 

A few days later I was informed that the BOA account was being closed due to the first check getting returned. I was ok with that. We then went to our local XXXX XXXX and opened an account only to find out a few days after that they are closing it due to the reports of Bank Of America to XXXX. 

I would appreciate if someone from BOA would clarify with early warning services as to why they closed my account. 

The ATM number XXXX