23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

I went into the Bank of America branch in XXXX, XXXX by XXXX and XXXX. My mother has major health issues, I wanted to add my name onto her accounts, both credit card and checking and savings, and brought in a copy of my Power of Attorney for my mother. I was already a co-signer for the checking account. They adamantly refused and said they need the original power of attorney paperwork. Since I was traveling to XXXX State where my mother is in assisted living, I took the same paperwork into a Bank of America branch in XXXX, XXXX and they happily and quickly did the above. Why did the local Bank of America branch make me jump through hoops, and then another branch in XXXX State approve my request with no problem?
Product: Debt collection

Received a letter and calls from Nationwide credit , inc collection agency stated I owe {$170.00} to XXXX XXXX XXXX. I've paid and close my account with XXXX XXXX XXXX XXXX. I do not owe them anything.
Product: Credit reporting or other personal consumer reports

Inquiries not authorized need to be removed. 

XX/XX/XXXX
Product: Checking or savings account

Wells Fargo charged various overdraft fees on a check they cashed for me despite not being g in the negative. They ultimately closed my account without returning my funds or crediting it.
Product: Credit reporting or other personal consumer reports

Personal Statement The XXXX  account has also been closed as a result of it being opened due to identity theft, if you havent done so please delete account. Please delete the following inquires XXXXXXXX XXXX XXXX ( XXXX and XXXX ), XXXX XXXX  ( XXXX and XXXX ) and delete the XXXX account listed on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX 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. 

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, credit repair services, or other personal consumer reports

I am a victim of identity theft. Therefore I put a fraud alert on my credit. Every since Ive done it I have been getting denied for credit due to not being able to verify my identity. I applied for a company called XXXX they denied me for that reason after I answered 10 questions completely correct. I offered to send check stubs my social and my ID. They said that I am still a credit risk. The same with XXXX XXXX and XXXX XXXX XXXX. Also I filed a XXXX XXXX XXXX compliant and they did nothing about it. Im having the same issue with Bank of America they sent me a letter saying that they would remove things that arent mine and that theyre not going to hold me responsible but they wont remove the information from they system for me to open an account. XXXX XXXX, XXXX and XXXX too.
Product: Debt collection

This debt collector placed negative information on my credit report without notifying me. Furthermore, since this debt collector has not validated that they are legally entitled to collect the debts they have listed, they are RE-AGING accounts listed on my credit reports in an effort to keep them there longer.
Product: Credit card or prepaid card

Someone stole my identity and opened a cash app prepaid debit card in my name. Cash app and their parent company have refused to close the fraudulent account. They keep telling me to call this number and wait for emails that never come and so on. Ive used chat Ive called Ive emailed Ive messaged on XXXX and XXXX Ive filed a police report with my local police department XXXX XXXX XXXX ILLINOIS ) and yet this account remains open. I have never used cash app and never would. This is a clear case of identity theft. Cash app and their parent company, Square, have been notified multiple ways- including in writing, and have yet to stop this fraudulent account. I get told to call someone else or wait for an email that never comes.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed bankruptcy in XX/XX/XXXX. I took out the loan with Greensky in XX/XX/XXXX. During the entire bankruptcy, I made timely payments to Greensky, never missing a payment. In XX/XX/XXXX, we paid off the loan in full which was 7 years early ( loan was a 12 year term and was paid in 5 years ). 

My mother was originally impacted on her report but was eventually fixed by Greensky. This loan was reaffirmed as payments were sent from my checking account ( ending in XXXX ) each month for 5 years.
Product: Student loan

I have tried every year since for the last five years to get my loan forgiveness for teaching and they never follow through with what they say will happen. The interest is growing rapidly. I feel as though I spend countless hours preparing my paperwork every year in hopes this year is will happen and nothing happens.
Product: Credit reporting or other personal consumer reports

after checking my credit report I saw that experian had a closed account on my credit report. I ask to verify what is the amount on that account.. after review my XXXX and XXXX there were no account with them ... how can I be sure that this account is 100 % right ... XXXX XXXX XXXX should be remove from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

Date : XX/XX/XXXX Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX SSN : ***** XXXX Contact : ( XXXX ) XXXX XXXX Disputing Inaccuracies on My Credit Report Equifax XXXX XXXX XXXX XXXX XXXX GA XXXX To Whom it May concern : I received a copy of my credit report. To my surprise, you are reporting this account incorrectly. It is inaccurate because I have lived at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, GA XXXX for five years and I have never lived in these addresses reported on my FICO report and incorrect names places on my credit report as well. Please consider this a formal request to investigate and correct the following ( 3 ) inaccurate addresses on my credit report issued by your agency and ( 4 ) different names thats fraudulently not mines. These items must be removed in order to show my true credit history. I make this request pursuant to15 USC Section 1681i of the Fair Credit Reporting Act of XXXX. As required by the Act, I demand that you re-verify each of these items, and that the inaccurate items be deleted from my record. The following addresses/ Names listed below : 1. XXXX XXXX XXXX XXXX XXXX GA, XXXX Address ID # XXXX Multifamily 2. XXXX XXXX  XXXX XXXX XXXX XXXX FL, XXXX Address ID # XXXX Single family 3. XXXX XXXX XXXX XXXX XXXX NY, XXXX Address ID # XXXX Single family 4. XXXX XXXX XXXX Name ID # XXXX 5. XXXX XXXX Name ID # XXXX 6. XXXX XXXX XXXX Name ID # XXXX 7. XXXX XXXX Name ID # XXXX Please reinvestigate this matter and delete the disputed item as soon as possible. 
Sincerely, XXXX XXXX XXXX, Thank you
Product: Credit card or prepaid card

Tried to lower my interest rate on my Capital One Credit Card and they keep denying me. How am I suppose to pay off this debt during the covid-19 crisis? 

My current interest rate is 26.40 %. Ive been current for the past 9 years with them. Never missed a payment and payed back thousands!
Product: Checking or savings account

Hello, My name is XXXX XXXX, a residence of Massachusetts. I got a kitten from a cattery called XXXX XXXX XXXX, owned by XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, OK XXXX, XXXX XXXX, Email : XXXX. He introduce a shipping service called " XXXX XXXX '', owned by XXXX XXXX, Located at XXXX XXXX XXXX XXXX, XXXX XXXX, OK XXXX. Tel : XXXX, Email : XXXX On XX/XX/XXXX I paid them {$950.00} for cat and shipping based on Invoice # XXXX. But on XX/XX/XXXX they ask extra $ 975+ {$1000.00} for vaccine, rental of crate and insurance, which is not mentioned on contract and claim to be refundable. On XX/XX/XXXX I was informed death of my cat and they promise full refund of $ 8000+ {$900.00} refund of crate, but with {$1200.00} processing fee before that. After payment of {$1200.00} they stop replying my call or email, vanished with $ 950+ $ 975+ $ 1000+ {$1200.00} in total. And their customer service number is invalid. 

I tried to contact paypal and XXXX XXXX XXXX for help but they insist receipt of service/ merchandise should be solved with merchant and the transactions are authorized by me.
Product: Checking or savings account

On or about XX/XX/year>, Chase shut down my Chase credit card. I contacted them and was told it was closed and said the reason would be provided to me via USPS. I explained I was out of town and unable to access my mail. Chase would not provide me with the contents of this letter. 

On XX/XX/year>, I reviewed my bank accounts online and found all the funds in my savings account were gone. Approximately {$15000.00}. I went to a Chase branch in XXXXXXXX XXXX I explained the situation to the Branch Manager. She called the fraud department to inquire as to why the funds were taken. The fraud department said it was an internal bank decision and would not tell her why. As this call was being conducted, the fraud depart then closed down my checking account and seized and additional {$20000.00}. After three hours, the manager stated, Chase no longer wanted a relationship with me and they seized the monies from both my checking and savings. And would not release the monies until they completed a full financial investigation. Reiterating several times the reason as to why this was happening was in the letter that was sent to my residence in XXXX Chase would not tell me why they had closed my accounts and seized my money.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Ace ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian 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 Experians inaction violates federal laq and my rights as a consumer
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint regarding an issue with authorized user credit reporting. Over a year ago, I added my friend as an authorized user on several of my credit card accounts to help establish or improve their credit history. While the card issuers have confirmed that they are reporting the authorized user status to the credit bureaus, this information has not appeared on my friends credit report. 

This situation has persisted for over a year, despite multiple confirmations from the card issuers that the information is being reported correctly. I have contacted the credit card companies to verify, but the reporting still does not reflect on my friends credit report with any of the major credit bureaus. 

This failure to report is preventing my friend from building their credit profile, and we have exhausted all options with the credit card issuers and the credit bureaus themselves. I am requesting your assistance in investigating this matter and ensuring the accuracy of credit reporting in this case. 

Please let me know if additional information or documentation is required.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash app ( Block inc. ) due to inadequate customer service and unfair practices, which violate the customer financial protection act ( CFPA ). Specifically cash app failed to take timely and effective measures to prevent an address fraud on their platform leaving my account, vulnerable and unprotected. Furthermore, their dispute resolutions process was unfair and deceptive as they did not comply with error resolution requirements under the electronic fraud transfer act ( EFCA ) and regulations E these actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Credit card or prepaid card

I called about my CHASE Sapphire Preferred credit card previously to using the service for the first time. I asked the representative over the phone on a recorded conversation how to avoid the interest charges for the cash advance. 

The representative said that in order to avoid the interest charges for the cash advance you must pay the full cash advance back plus the minimum balance payment owed. I followed his advice and borrowed XXXX dollars on XX/XX/2020 and paid back XXXX dollars on XX/XX/2020. The additional XXXX dollars being the minimum payment due. 

Since then they have been charging interest on th credit card every month plus additional interest on the cash advance. So far it has been XXXX months of additional cash advance interest charges amounting in XXXX 

I have brought this situation to their attention and I have not been able to get my money refunded. They also told me that in order to get the recorded conversion between myself and the representative who gave me the advice and instructions, I would need a subpoena.
Product: Debt collection

On or about XX/XX/XXXX I received a debt collection letter from XXXX & XXXX regarding an alleged debt on Citibank credit card account # XXXX. I promptly disputed and requested validation pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. 1692-1692p., as there was no valid debt associated with that account. XXXX and XXXX failed to properly respond to my validation request. On or about XX/XX/XXXX XXXX & XXXX filed a lawsuit on behalf of Citibank , N.A . case # XXXX. I did not know the correct procedure to Answer the complaint, and a default judgment was entered against me on or about XX/XX/XXXX for approximately {$30000.00}. In XXXX of XXXX I had to short sale my house, and it was discovered that XXXX & XXXX had put a lien on my house. My realtor negotiated a payoff of {$2000.00} which was sent to Citibank via XXXX & XXXX out of escrow to complete the short sale and remove the lien. On or about XXXX of XXXX, Citibank , N.A . returned the {$2000.00} check as a refund on the account proving there was no debt attached to this account. This also proves that XXXX & XXXX was fraudulently trying to collect on an alleged debt which again was never properly validated. At this point Im not sure how many violations of the FDCPA are involved. The have damaged my name and my credit, not to mention the stress, coercion, intimidation fraud and extortion actions. Shortly thereafter I found an administrative remedy to create a solution. This process started on or about XX/XX/XXXX and ended on or about XX/XX/XXXX. Both XXXX & XXXX and Citibank , N.A . have failed to respond to my affidavits. My administrative remedy created an administrative judgment against them for damages. In XXXX XXXX & XXXX stole {$120.00} from my bank account. I also recently discovered that on or about XX/XX/XXXX XXXX & XXXX filed a motion to renew the fraudulent judgment Case # XXXX and they have a hearing scheduled for XX/XX/XXXX. 
XXXX & XXXX have never properly validated the alleged debt they were trying to collect and failed to prove their claim. 
Citibank , N.A . returned and refunded money to me sent to them on this same account proving there is no debt associated with this account. 
XXXX & XXXX and Citibank , N.A . both have failed to respond to my affidavits with an affidavit thereby proving my claim, and admitting damages to me in the process. 
I have attached the refunded check and un-rebutted affidavits as evidence in this complaint. XXXX & XXXX and Citibank , N.A . 's failure to respond in affidavit form rebutting anything I have stated in affidavit form proves my claim and damages owed to me. Case # XXXX needs to be vacated and or satisfaction of judgment needs to be entered. Failure to comply with in 30 days will result in copies of this complaint being sent to any and all governing bodies, FTC, DOJ, IRS, Attorney General of California, and XXXX XXXX XXXXXXXX XXXX XXXX 
Without Prejudice, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I sent Equifax a certified letter ( view attached ) requesting verification of Inquiries on my account. Inquires that Im not aware of. I asked for further investigation to be done because, if you look at my XXXX. Its not all the same across. I wrote to Equifax, I called Equifax XX/XX/2021. I spoke to numerous representative that stated nothing can be done. XX/XX/2021 I wrote to Equifax again, I have not gotten a response in regards to this issue
Product: Credit reporting, credit repair services, or other personal consumer reports

The creditor XXXX XXXX XXXX XXXX is furnishing FALSE credit information to a third party ( TRANSUNION ) to bring harm to MY consumer credit reputation aka defaming MY character. The consumer reporting agency TRANSUNION is negligent in their duty to investigate this disputed information for XXXX XXXX XXXX XXXX opened XXXX XXXX for {$1100.00}, XXXX XXXX XXXX XXXX opened XX/XX/XXXX Is this a debt or an extension of credit? 
Is this an extortionate extension of credit? 
Can you provide me with a Bill of Assignment? 
Can you provide me with a Chain of Title? 
Has insurance been filed for this account? 
Has a 1099-c been filed for this account? 
Provide your Errors and Omissions insurance This is a notice to CEASE AND DESIST all communication resulting from this alleged debt. I am not requesting validation of any alleged debt as disclosing or obtaining information of a customer by false or fraudulent pretenses constitutes a violation of the Gramm Leach Bliley and aggravated identity theft 18 U.S. Code 1028A. Pursuant to 15 U.S. code 1666B it is impossible to be late on an extension of credit. TRANSUNION is furnishing late payments on an extension of credit on behalf of XXXX XXXX XXXX XXXX. If a consumer is late on an extension of credit ( that ) is no longer an extension of credit. It is instead defined as an extortionate extension of credit 18 U.S. Code 891. Extortionate extensions of credit fall under RACKETEERING activity 18 U.S. Code 1961. If this account is not removed from my consumer report immediately I will be including TRANSUNION in a XXXX along with XXXX XXXX XXXX XXXX!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am as never notified about this debt, I was made aware when I was doing a mortgage loan. They were contacted and they refused to remove the info from my credit report even if I paid the debt.
Product: Debt collection

I contacted this company in the month of XXXX. I spoke with one of the debt agents regarding the debt that appeared on my credit report just this year. I asked if she could send the information regarding the debt through mail and she stated that they cant send any letters through mail or email regarding the debt and I would not be receiving a letter.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. do to inadequate customer services and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). Specifically Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulations E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit card

I noticed an account issued by XXXX. It was a XXXX dollar credit card. I have never done business with, applied for, or recieved a card from this bank. I contacted their customer service number. There representatives barely speak english at all. They say i would recieve papers for a dispute this was over a month ago. This is a hard negative to my credit score and all attempts to communicate with them are unsuccessful. I also had a fraud alert on all XXXX bureaus for the last 1 year, being refreshed every 90 days. Credit One did not have a phone number for the account fraudulently opened. I also never spoke with anyone from this bank via phone at anytime, until i called them regarding a fraud account. Such a fraud alert that they should have contacted me before opening and was never done
Product: Credit reporting or other personal consumer reports

This account was Charge off on they following date XX/XX/2019 Since then they account was repeteadly been updated as Charge off every month .This is an updated in they payment history.A charge off account should not include an active payment history.This inaccurate information falsely manipulates they statute of limitation.I AM demanding a deletion of the following account.
Product: Credit card or prepaid card

Hello, Im writing to complain about onerous hurdles and false information given by Bank of America in relation to paying my bill for my Bank of America credit card. 

I have been a Bank of America customer for nearly 20 years and until XXXX I had both a checking account and a credit card with them. In XXXX however I closed my checking account and moved it to another institution. Since then, managing my Bank of America credit card has been significantly more difficult as Bank of America will not enable me to make payments online, including automated recurring payments, but rather forces me to call each month and pay over the phone. Ive managed this hassle of a process for a few years now but this spring, in XX/XX/XXXX, I forgot to call and missed a payment. Next thing I know, I get an alert from another institution that my credit score has changed. When I looked into it, I saw that my score had gone down significantly and I later confirmed that it was because of the missed payment with Bank of America. 

I called Bank of America and resolved the outstanding payment on XX/XX/XXXX, and also expressed my frustration that paying my bill was not possible online. The customer service team told me that I can pay online, however nearly a month later as of today ( XX/XX/XXXX ) I am still unable to pay my bill online. And since the customer service center is closed today, I have no way to pay my bill today whatsoever. 

I am writing to complaint about the onerous hurdles Bank of America has placed on my account, seemingly as punishment for not keeping a separate account open with them. Further, their team has given me false information about my ability to pay online. Because of these onerous treatments and false information, I have had a material negative impact to my personal finances and Bank of America has done nothing yet to rectify the situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. XXXX XXXX XXXX XXXX XXXX XXXX XXXX/2022 XXXX XXXX2022 XXXX XXXX XXXX XXXX/2022 XXXX XXXX XXXX XXXX2022 XXXX XXXXXXXX XXXX XXXX/2022 XXXX XXXXXXXX XXXX/2022 XXXX XXXX XXXXXXXX XXXX/2022 XXXX XXXX2022 XXXX XXXX2022 XXXX XXXX2022 XXXX XXXX2022 XXXX XXXXXXXX XXXX/2022 XXXXXXXX XXXX/2022 XXXXXXXX XXXX/2022