23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Hello, my name is XXXX XXXX and I, alongside my wife, XXXX XXXX are the owners of XXXX XXXX. A local catering company who serves the local XXXX area. We would like to submit a complaint to the CFPB in regards to how Bank of America had been misleading our company in regards to how their Preferred Rewards program had calculated their 3-month daily average balance as outlined in their " schedule of fees for business '' brochure that is readily available online and advertised on their website ( https : //www.bankofamerica.com/salesservices/smallbusiness/resources/business-schedule-fees/ ). As a result of what we believe is an error, has resulted in not receiving any benefits for which I believe our business has qualified for upon reaching the XXXX requirement for preferred rewards platinum honors status cumulatively across all my eligible business accounts with the company. More specifically on the XXXX of XX/XX/2023 is when we had surpassed the XXXX requirement with the program. Prior to making this transfer from my other Business Checking account with XXXX, we were told the company accounts had about XXXX prior to transferring additional funds upon opening what was advertised as a qualifying account for their preferred rewards program for business, the " Business Investment Account ( BIA ) ''. Some of the benefits I believe we were told we were entitled to, according to the brochure, includes having free ATM withdrawals, a higher credit card reward rate, free wire transfers alongside many other benefits that were the primary reasons for why we had decided to increase our monthly balance with the company in the first place. Like the brochure had stated we have linked the business checking accounts to the Bank of America Business Checking account which I assumed should mean both accounts balances should be averaged together as how it is advertised and stated in the brochure on page XXXX but sadly this was never the case and it appears my calculated average balance has been on the decline ever since I opened and moved the money to the XXXX XXXX XXXX Account and now only includes the average balance in my checking account only. In addition, like mentioned I had already been in contact with the bank over phone regarding resolving this issue at least twice and I was simply transferred around.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed. 
I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the XXXX data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this breach :. 

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 XXXXXX/XX/XXXX
Product: Credit card

Maintaining timely payments has been a consistent practice on this account, and I have never fallen behind. I'm uncertain about the reasons for the presence of late payment remarks on my accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not give the credit reporting agency written permission to report the following reports : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Congress said that the bank system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. You have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. You assumed a VITAL role, and this is a violation of my privacy-I never gave authorization to report this ever to you directly. Delete this account immediately. An investigative report is suppose to be fair for the consumer and alsi is not suppose to include factual information on a consumers credit record obtained directly from a creditor of the consumer, delete this account from my consumer report. You might not want to be tied to this account, because I have put XXXXXXXX XXXX XXXX  on notice.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft, and multiple fraudulent accounts, inquiries, and collections have appeared on my credit report without my authorization. I discovered these fraudulent items in XX/XX/year> and immediately took action by filing an FTC Identity Theft Report ( Report # XXXX ). 

Following my discovery : I disputed the fraudulent accounts and inquiries with Equifax, Experian, and TransUnion under Section 605B of the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to block fraudulent information within four ( 4 ) business days after receiving an identity theft report.

Equifax initially removed some fraudulent items but later reinserted them without notifying me, which violates FCRA Section 611 ( a ) ( 5 ) ( B ), requiring consumer notification when a deleted item is reinserted.

Experian and TransUnion failed to properly investigate my disputes, leaving fraudulent accounts and inquiries on my credit report despite clear evidence of identity theft. 
These inaccuracies are damaging my credit score and affecting my ability to secure financial services. 

Fraudulent Accounts & Inquiries The accounts and inquiries in question include : Fraudulent Credit Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and others. 
Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and others. 
Fraudulent Collections : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CFPB Enforcement History Equifax has violated FCRA Section 605B and 611 ( a ) ( 5 ) ( B ) by : 1. Failing to permanently remove fraudulent items, despite my FTC Identity Theft Report and formal disputes. 
2. Reinserting fraudulent accounts without notifying me, a direct violation of the FCRA.

3. Ignoring legally required deadlines, delaying my dispute resolution beyond the mandated four-day period. 

Additionally, the CFPB has previously fined Equifax {$15.00} XXXX for mishandling consumer disputes and failing to remove incorrect information. My experience aligns with these past enforcement actions, demonstrating a pattern of non-compliance and consumer harm.
Product: Mortgage

Hi, I had taken a home equity loan with Pentagon Federal credit Union ( XXXX # XXXX ) in XXXX. At that time I had a mortgage on my house from " XXXX XXXX XXXX  '' and also my home owners insurance ( with XXXX XXXX XXXX i.e. XXXX ) was paid from escrow by the mortgage company. On my home owners insurance, Penfed was the lien holder and listed as part of my home equity loan clause. 

In XXXX, I paid my mortgage in full and since my home owners insurance premium was paid from my mortgage escrow, I forgot that I had to pay for my home owners insurance premium. As a result by home owners insurance got cancelled on XX/XX/XXXX. I realized that in XXXX and had to take a new home owners insurance policy with NJM effective XX/XX/XXXX. Now since Pentagon Federal Credit union was lien holder on my home owners insurance policy they were notified about my home owner insurance policy cancellation but when I took a new home owners insurance policy with NJM I forgot to notify about the same to Pentagon Federal Credit Union. 

On XX/XX/XXXX, there was only a balance of {$1.00} on my home equity loan and I was unable to pay that off online, so I had to call Pentagon Federal Credit ( PenFed ) so that I could make the payoff. At that time I was told that payoff ( {$1.00} + Closing Fee of {$75.00} ) could only be done via a check or money could be transferred from my PenFed savings account. Since I didn't have enough balance in my PenFed account at that time so I had to transfer money from my XXXX  XXXX XXXX account to PenFed savings account. After transferring the money to my PenFed savings account when I called PenFed to pay off my home equity on XX/XX/XXXX, I was told that balance was about {$3100.00} because PenFed took home owners insurance on my behalf on XX/XX/XXXX with effective date of XX/XX/XXXX. When I told that I already have the home owners insurance policy the PenFed rep told me that once I provide the home insurance policy I won't have to pay the home owners insurance amount that PenFed took. I told that there would be gap on the same and she said that should be ok. So I uploaded my home insurance policy document to their website i.e.  mXXXX XXXX XXXX XXXX i.e. XX/XX/XXXX, when I again called PenFed because I was still seeing high balance against my home equity loan, I was told that I have to pay pro-rated amount of the insurance from XX/XX/XXXX i.e. the date when my home owner insurance policy got cancelled to my new home owners insurance date i.e. XX/XX/XXXX. This prorated amount will be approximately {$500.00}. All this for the home equity loan balance of {$1.00} for which I had offered to pay earlier but was not able to. At no point the PenFed called my that insurance was missing is needed or I would have taken an immediate action and could have avoided this. I requested them to waive off this as I have been an outstanding customer with them but they refused. 

Could you please help so that the prorated amount of home insurance on the policy that PenFed has taken on behalf of me is waived? 

Thanks, XXXX
Product: Checking or savings account

My wife had unauthorized transactions the amount total was XXXX from her Wells Fargo checking account .These transactions occurred between XX/XX/XXXX to XX/XX/XXXX a total of 60 transactions according to records provided by Wells Fargo . There are 3 companies that where taking her money without her consent They are XXXX, XXXX and XXXX When my wife realized that the transactions had occurred it was not until around XX/XX/XXXX. She then contacted Wells Fargo and had the bank first stop these companies from using her account o pay for the services. My wife had not made any of the purchases showing in her account. They where made falsely by another party somehow. The bank did the investigation and on XX/XX/XXXX they sent a letter to her and stated they would reimburse {$330.00} FOR THE UNAUTHORIZED transactions. They stated that any transactions more than 60 days could not be reversed. I her husband then wrote a certified letter to the Wells Fargo Operations Complaint Management office in XXXX  ca.and explained that the most likely reason my wife did not notice these charges was because she unfortunately has been treated for XXXX XXXX for the last 5 years.

Most of that treatment is XXXX and she was XXXX   much of the time. Since I have retired am better able to assist her with her bank account.The result of my letter to Wells Fargo was they as of approx XX/XX/XXXX and credited her {$520.00} which we are grateful for. However it just does not seem correct that a Bank who makes so much profit can not extend to her the full amount taken from here account with her condition. I want to help her as well as she is on XXXX, She worked all of her left until she got sick I am retired now so our income is somewhat limited. I don't know if there is anything that can be done by your organization to help her. The letters I received from Wells Fargo state that transactions over 60 days they would contact the merchant and attempt to recover the money This process could take up to 120 days. Perhaps you could find if Wells Fargo has contacted XXXX, XXXX or XXXX and the amount they credited her account individually. Then I can write and contact XXXX, XXXX and XXXX  and explain the situation and perhaps they might reimburse her Thank you sincerely XXXX XXXX
Product: Student loan

On XX/XX/2021 I called Navient to get some information about the co-signer release program on my loan. At one point in the conversation, I was told incorrectly that my loans were in an interest-only payment status, which was news to me and I have never signed papers to place my loans in an interest only payment plan. I still am unsure if my payments are interest only or principle and interest. The other issue is that I am trying to find out how to release my co-signer. This loan was advertised to me and my co-signer as being a short-term obligation to co-signers. The main ad says, after so many on-time payments the co-signer is released. However I have read that almost nobody has ever been released in this program. A XXXX  in Washington State has now ruled that Navient did mislead consumers about " co-signer release '' and that the actual requirements are changing, and completely up to the discretion of Navient and not at all as simple as making " XXXX on time payments ''
Product: Debt collection

I have submitted several request for validation of debt. I have provided all the information to Nissan and Nissan has refused to provide me with a debt validation. Stating they did not have enough information although being provided the full account number as well as my date of birth, last 4 and address. Certified mail sent. XXXX
Product: Debt collection

I started receiving phone calls from XXXX different numbers on XX/XX/2023 and XX/XX/2023. First number for credence resource management was XXXX XXXX XXXX. 
Second number was XXXX XXXX XXXX. When I look up these phone numbers it says these numbers are not safe and online advisement is not to talk to anyone calling from these numbers. Credence is trying to collect a debt allegedly owed to XXXX and XXXX XXXX for a cell phone bill under my name that was sent to an address to an address in Connecticut. I have lived in Massachusetts since approximately XXXX XXXX XXXX when I moved to Massachusetts from Pennsylvania with my parents. I am requesting that Credence Resource Management cease calling me to collect a debt I do not owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS THE 3 TIME I HAVE HAD TO FILE OVER THIS ISSUE. NOT SURE WHAT THE PROBLEM IS WITH ME FILING A COMPLAINT. DONE MY OWN MOTION HERE ON THE CFPB.GOV. 
I am having an issue with someone using my information for unknown accounts and addresses. I am demanding are investigation on my credit file and I would like the following addresses and accounts deleted : 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, US DEPT OF EDUCATION XXXX XXXX DEPT OF EDUCATION/XXXX # XXXX I HAVE ALREADY SENT A COMPLIANT ABOUT SOME fraudulent addresses still appear on my credit file. Please delete the following addresses the are not mine : XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX Please delete the following phone numbers they are not mine : 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 reporting or other personal consumer reports

After thoroughly reviewing my TransUnion credit report, I was appalled to find serious inaccuracies that should have never been reported. These errors are more than simple mistakesthey are actively harming my creditworthiness and restricting my financial opportunities. I refuse to let misinformation dictate my future and demand an immediate, thorough reinvestigation. 

The following accounts require urgent attention : Company Name : XXXX - Account # : XXXX - Balance : {$330.00} Company Name : XXXX XXXX XXXX  XXXX Account # : XXXX - Balance : {$830.00} Company Name : XXXX XXXX XXXX XXXX XXXX  XXXX Account # : XXXX - Balance : {$610.00} Under the Fair Credit Reporting Act ( FCRA ), I have the right to a fully accurate and verifiable credit report. If these disputed accounts can not be substantiated with solid, irrefutable evidence, they must be removed at once. This is not a requestit is a demand for compliance with federal law. Any failure to correct these errors will be considered willful negligence and will not go unchallenged.
Product: Credit reporting or other personal consumer reports

XXXX XXXX account closed and is at {$0.00} balance and hasnt been removed. 

XXXX is closed and at {$0.00} balanced but not removed. 

XXXX- account closed and at {$0.00} balance. 

XXXX XXXX- {$0.00} balance and closed but not removed. 

XXXX XXXX- {$0.00} balance but not removed XXXX XXXX {$0.00} balance and not removed XXXX XXXX {$0.00} balance but not removed
Product: Credit reporting, credit repair services, or other personal consumer reports

.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( g ) XXXX XXXXXXXX XXXX XXXX XXXX Account Number : XXXX This is identity theft, please remove this inaccurate account immediately!

2. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( g ) XXXX XXXX Account Number : XXXX This is identity theft, please remove this inaccurate account immediately! 

3. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( g ) XXXX XXXX Account Number : XXXX This is identity theft, please remove this inaccurate account immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

This has happened on two occasions. XXXX as reporting an incorrect balance and multiple updates within a month on my credit file with XXXX, XXXX and XXXX. My last statement date is XX/XX/XXXX with a balance of XXXX. Since this date I had two purchases ( XXXX {$18.00} and XX/XX/XXXX {$780.00} ) and a payment of {$380.00} on XX/XX/XXXX. On XX/XX/XXXX, during the same reporting period and not the end of the period XXXX erroneously reported a balance of {$830.00} to my credit file with XXXX, XXXX and XXXX showing an 83 % utilization rate. I contacted an Account XXXX and she told me, any time you make a purchase XXXX will report it to the Credit Bureaus and I stated if that is the case why isn't the same thing done when I make a payment. If that was done the reporting would of indicated a balance of {$450.00} vice {$830.00} and a 45 % utilization rate. Additionally, she advised me the balance will update on XXXX which is the statement date. So this week I have to live with this erroneous information.
Product: Payday loan, title loan, or personal loan

I applied for a personal loan through LendingPoint, for the amount of {$5000.00} on XX/XX/XXXX. I was approved for the loan quickly and they sent me the loan documents to sign on XX/XX/XXXX. I signed and authorized the loan. About 4 hours after signing the loan, I had changed my mind and called the company to cancel the loan ( same day I authorized it ). I started getting bad feelings about this company, and grew worry that it might be a scam. I first spoke to XXXX in customer service and she was giving me the run around. I called back after I had just talked to XXXX and demanded to speak to a manager and that is when I got XXXX ( Customer Service Lead ). XXXX explained the process to cancel the loan and he stated I needed my bank to do an XXXX to have the money sent back. I called my bank and at first they didnt know what an XXXX was. I then explained to them what I was trying to do. My bank informed me that the funds had not been deposited into my account and they couldnt do anything until the funds were deposited. I called LendingPoint back to inform them that the funds havent been deposited and why couldnt they cancel the loan. They stated that the funds have already been transferred. On XX/XX/XXXX I was the first customer in line at my bank and I explained to them what was going on. They assisted me in reversing the direct deposit into my account. Once I left the bank, I attempted to call XXXX back, however, I could never get ahold of him. XXXX had left the office abruptly or was nowhere to be found. I explained to the LendingPoint customer service rep what was being done, and they said they havent received the funds. My bank informed me that the funds were sent back immediately. I proceeded to call LendingPoint everyday there after. Each time I called I would get different answers. I would get nothings posted call back in 48 hours, I would call back again only to be told that XXXX would have to handle it. I called again talked to another rep for LendingPoint and she said it takes 7-10 for the finance department to get it processed. I am now 11 days in of communication and there still telling me the money had not been returned. After I threatened to contact the Consumer Financial Protection Bureau, XXXX comes out of nowhere and calls me. He stating that he contacted my bank and they told him it would take two weeks for LendingPoint to  receive the funds. I thought this was fishy so I contacted my bank and they told me the funds were reversed and it was immediate, there is no two week waiting period. Today is now XXXX and I am still dealing with this. I have a letter from my bank confirming the funds were reversed back on XX/XX/XXXX. I sent this letter to XXXX but have yet to hear back. I feel like I am getting the run around and I am not getting any straight answers. Please help me resolve this issue, this has created so much anxiety and stress in my life, which is not good seeing that I am seeing a CXXXX for a XXXX XXXX. Please help me!
Product: Bank account or service

This is a complaint against PayPal. They made a payment from my account without my authorization, to eBay buyer. I got a damaged returned item, but did not have a chance to inspect it, PayPal instantly withdrew funds from my account leaving me completely without consumer protection.
Product: Credit reporting, credit repair services, or other personal consumer reports

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REOPRTING ON MY CREDIT REPOTS, I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIONGATION RESULTS. ITS HAS NOW BEEN OVER 30DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE NOT YET TO RECEIVE ANY REPONSE. 

INTIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020