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

I have a First National Bank of Omaha Account. I was prompted to open a new type of account with a better APY through XXXX XXXX  on the FNBO account. Looking for a good interest rate and working with online banking in the past, I decided to link the FNBO account, my XXXX  account, my Chase account and XXXX XXXX XXXX Account. I made an initial deposit on XX/XX/ from XXXX of {$750.00}, XXXX ( XXXX ) XXXX XXXX {$10.00} on XX/XX/, and again on XXXX XXXX XXXX I added another {$1000.00} from XXXX XXXX. On XXXX XXXX XXXX they withdrew {$400.00} from my XXXX XXXX XXXXXXXX account and unbeknownst to me, I noticed that on my XXXX XXXX XXXX website and saw the XXXX was initiated. All of these deposits had cleared my accounts at the drafting institutions within a day of the deposit into XXXX. After XX/XX/, when I questioned why this {$400.00} was withdrawn, my account was restricted. Now I can not access any of my money. I can not write a check, withdraw, or use my ATM card to access my account. 

They do not provide any live customer service. You must communicate with them through their App on your cell phone via messaging. I keep hearing my account is under investigation to authenticate the origination accounts. It should not have taken XXXX weeks let alone all the money deposited in XXXX XXXXXXXX they will not allow me to have access to. I am XXXX, I am helping my mom who has fallen after COVID and is in need of medical care. Despite my pleas to explain why, I keep getting the same through their online chat and via XXXX. I can not get any response, any explanation as to what the hold up is. On Friday, XX/XX/, I sent over a copy of the front and back of my driver 's license and still have not heard what the critical issue is here. I explained I have no creditors, no tax liens, property liens, that I am a XXXX trusted traveler. I also expressed that I do not want them to withdraw any funds from any of these banks and they told me to cancel the withdrawals at my banks and that would incur me between $ XXXX $ XXXX. I advised them that they are forbidden to take any additional funds, both, XX/XX/XXXX, and XX/XX/XXXX, as well as today, XXXX XXXX XXXX I saw that this similar situation has happened to others in Reviews and my attempt to write FNBO last week was met with a response, they are their own bank, despite their use of FNBO 's routing number. I am not please. I feel scammed and I feel exhausted. I want this noted, I want this resolved and I want the rest of the public to know that this is the practices of this bank. Altogether they have {$2100.00} in savings, {$640.00} in a vacation account and {$1800.00} in my checking account. I just want my money back at this time.
Product: Credit reporting or other personal consumer reports

After reviewing my credit reports, I observed that despite your failure to provide evidence validating the accuracy of the debt, you are stating that the following accounts are negatively affecting my credit. Additionally, you assert that you have adhered to all legal and regulatory reporting requirements. As such, I request the removal of all negative and adverse accounts listed below. 

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

I reviewed my Consumer Report and noticed that i had late payment on an account that i was never late for Consumer Reporting Agencies have assumed a vital roll and a have a responsability to report Consumer information to the best of their ability with maximum accuracy. i have never been late on payments fot he account : XXXX XXXX XXXX Account number : XXXX, please investigate and provide proof with statements showings that this payment was late. if proof can't be provide i demand this payment be updated on time as they should be as i was NEVER late. thanks
Product: Credit reporting or other personal consumer reports

Aperrently I have an account with XXXX XXXX  that was closed in XXXX. It's has a partial payment of {$2400.00}, which I paid last year XXXX XXXX. I was told to wait 30 days but when I waited nothing changed. I sent proof of payment to chexsystem and was told my receipt was frivolous or irrelevant. XXXX XXXX  refuses to update my status & the branches can't do anything ( I've tried ). My consumer id is XXXX
Product: Credit card or prepaid card

Dear Officer, I'm writing to report problems experienced with XXXX XXXX. I found that they are giving inadequate notice for balance due, which led to unnecessary late payments ; also their rewards program is unfair to the consumers. 

In XX/XX/2017, I tried to pay off my entire balance using reward points. However it appears that some pending charges were not showing at the moment, therefore {$65.00} was left unnoticed. 

There were no alerts sent to me regarding the charges. When I found out two months later myself online, I immediately called and paid off the balance. The late fees were removed immediately, however the incident led to an impact on my credit score by 50 points.I found it appalling, because they have my cell phone number and email on file, yet they failed to send me any notice before treating it as late payment. 

Another thing that bothers me is that Barclays keep renaming and changing its program ( from XXXX XXXX to XXXX, and to XXXX XXXX ), and the reward terms are getting worse. It appears that they have increased the redemption threshold to XXXX points, which forces the customers to keep using their card, even though the card features were no longer competitive. 

Please advise, really appreciate your help
Product: Debt collection

This collection company flagged my credit report to the XXXX major bureaus with the attempt to collect {$1100.00} for the sole purpose to defraud my Identity and my Social security number by purchases I never made nor did I ever bought Items at this Store XXXX  so The account opened at XXXX and The Collection on my credit report is fraudulent and Incorrect, I would like this debt collection Removed from my credit report Because I don't recognize The Items nor the amount owe to them I'm a Victim of Identity theft by these individuals or companies.
Product: Credit reporting or other personal consumer reports

A XXXX XXXX XXXXXXXX credit card was fradulently open under my name. The account does not belong to me and is negatively affecting my credit report
Product: Student loan

My loan is with Navient. I stopped the auto pay, even called to confirm it was off of auto pay. They confirmed it was off of auto pay, they still pulled the payment. Once I noticed Navient pulled the unauthorized payment, they told me I did not take it off auto pay. When I talked to a supervisor gave him the date and time I called to take it off auto pay. they found the call log.. When I finally received my money back, I filled a complaint. Now my loan has {$6000.00} + in new interest when I called today Navient told me its back interest from 2013 I then told Navient to explain how all of a sudden I have interest form 2013, he told me that's just how it works. I asked to see in the contract where is the interest information. Now waiting to receive that information. I find it odd after I file a complaint my loan has $ 6,000+ in new fees on it. I have not missed a payment for over 24mo and even made payments when it was on in school deferment.
Product: Credit reporting or other personal consumer reports

I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

LexisNexis is transmitting credit reports to 3rd parties that include negative information that is more than 10 years old. 

My consideration for a {$350000.00} loan was challenged based on the credit information provided to the bank by LexusNexus around or about XX/XX/year>. 

on XX/XX/year> I filed a verbal dispute with LexisNexis outlining the 6 items that I am challenging. Their time frame for a possible resolution is 40-60 days but the FCRA states that investigations must be resolved within 30 days. I am filing the complaint with CFPB because I want to make sure their investigation is concluded within the 30 days allotted by the FCRA and not a day longer. 

My case number with LexisNexis is XXXX.
Product: Credit reporting or other personal consumer reports

Experian is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. For both XXXX accounts. I dont know if Experian is doing this as a retaliation for Me reporting other accounts to the CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to various companies sharing my information I have been targeted by various companies, and it is starting to affect my personal life and safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 2 accounts reporting on my credit report that dont belong to me. I have no knowledge of these accounts and would like them deleted from my report. I filed a identity theft report with the federal trade commission
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not authorized or applied for any credit, loan, or other financial transactions with the entities mentioned above, nor have I granted them permission to access my credit information. Therefore, these inquiries are a violation of my privacy and are potentially damaging to my creditworthiness according to 15 U.S. Code 1681b - Permissible purposes of consumer reports. 
I request that you conduct a thorough investigation into the nature of these unauthorized hard inquiries and verify whether these entities had a permissible purpose to access my credit report. If it is determined that no permissible purpose exists, I kindly ask that you remove these inquiries from my credit report as soon as possible. 
Furthermore, I request that you provide me with written documentation of the investigation 's findings and any actions taken to rectify this situation within the timeframe prescribed by the FCRA. Additionally, please ensure that any corrected credit reports are sent to all entities that have received my credit information within the past XXXX months, as mandated by law. 
Please consider this letter as a formal dispute under the FCRA. I expect your prompt attention to this matter, as failure to comply with the FCRA regulations may result in legal consequences. 
Thank you for your immediate attention to this matter. I look forward to receiving your written confirmation that these unauthorized hard inquiries have been removed from my credit report. 
Sincerely, XXXX XXXX XXXX
Product: Credit card

I am a holder of both the Venture and Venture X credit cards by Capital One. I am unable to access my credit card transactions online or use the travel portal for the last 2 months despite having an active account. 

I have made numerous calls with Capital One customer support and been passed around to many different teams across Capital One but have not received a resolution. I have had a total of XXXX hours of phone calls with Capital One over the past 30 days. I pay {$490.00} worth of annual fees for both travel credit cards but am unable to use any of the travel benefits. 

Capital One has failed to provide any estimated time of resolution nor can they enable me to book travel using their travel agents. I was told that I am welcome to quit my bank without any refund of credit card fees or miles.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts have violated my rights according to Fair Rights Credit Reporting Act. According to laws 15 USC 1692 B ( 2 ), 15 USC 1692 B ( 5 ), 15 USC 1692 C ( A ), 15 USC 1692 D ( 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

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to has verified this. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in Cushman v TransUnion, Stevenson v. TRW ( XXXX ), and Richardson v. Fleet, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. XXXX XXXX XXXX
Product: Student loan

Hello. My monthly student loans demand that I pay the entirety of my income to them. I have been working with Student Loan Finance Corporation for eight years and my forbearance has run out and they demand that I pay between XXXX and XXXX dollars a month. I have made it this far but my time has run out. My dad cosigned and is now retired and on social security and there is no help left for me. I make make roughly XXXX dollars a month and now live with my elderly parents to help them XXXX. I have no where to go and no lawyers will touch this problem. I 've literally been told that I have to get XXXX to even consider discharge through bankruptcy.
Product: Credit reporting, credit repair services, or other personal consumer reports

ID theft victim. These are the accounts that do not belong to me. im attaching an id theft affidavit. 

XXXXXXXX XXXX  XXXX {$570.00} XXXXXXXX XXXX {$5700.00} XXXXXXXX XXXX {$4600.00} XXXX XXXX XXXX {$2900.00} XXXX {$23000.00} XXXX XXXX XXXX {$350.00} XXXX XXXX {$0.00} XXXXXXXX XXXX XXXX {$7900.00} XXXX XXXX {$790.00}
Product: Mortgage

This is my XXXX complaint about Bank of America. This is a copy of my last complaint : " This is my XXXX complaint about this mortgage. Account number XXXX BOA has attached escrow services to my line of credit. I pay my escrow through my primary mortgage. I have sent BOA a plethora of documentation for years stating my primary mortgage XXXX collects my mortgage. I would like some assistance please. They are telling me I am behind in my mortgage. My payment is XXXX a month and I have paid {$4500.00} to date for this year ''. 

A representative called me and said she would get back with me in 30 days. I have not heard anything. I pay an escrow on my primary mortgage. BOA wants me to pay XXXX escrows. I am redoing this complaint just to have a record. This has been an absolute nightmare. I am enclosing a statement from my primary mortgage to prove that I pay escrow. 

That response looks like it was copied and pasted. It has nothing to do with my complaint. This IS UNNECESSARY STRESS AND I NEED TO BE COMPENSATED. I am also sending a copy to BOA executive offices to put them on notice.
Product: Debt collection

I have been receiving continuos calls from the debt collector every day Monday through Friday for at least the last month If not longer. They have even left numerous voice mails. I initially talked to them and agreed that I will not take action on the bill until I see proof of the bill and a break down actual of amounts owed. My number is currently registered on the do not call list and I continuously receive calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two credit cards with Capitol One that have been open since XXXX. In XXXX I was in graduate school and going through a rough time financially. From XXXX to XXXX of that year I was unable to make payment and thus resulted in lates being reported to the credit bureaus. I resolved to issue as soon as I could and made arrangements to get back current. Since then I haven't missed any payments. I am in a much better place financially. I graduated school and took a salaried position. This will no longer be an issue and I have contacted both Capitol One and XXXX to explain this and ask if the lates could be removed on good will. Capital One tells me it is out of their control and I need to contact the credit bureaus. XXXX tells me there is nothing they can do. I have heard of it being done before and just need instructions on how to proceed. This is holding down my score.
Product: Mortgage

I HAD BEEN APPROVED FOR THE XXXX XXXXXXXX PROGRAM TWICE. NOW BUT YET TO GET ANY ASSISTANCE, I HAD BEEN IN TALKS WITH XXXX XXXX. WHO I CONTACTED LOSS MITIGATION AT TRUIST TO LEAVE .XXXX XXXXXXXX A MESSAGE TO CALL ME BACK AND SHE DID IF NOT THE SAME DAY BUT SURELY THE NEXT. SHE INFORMED ME THAT SHE HAD SPOKEN TO THE OTHER MANAGER AND THEY AGREED TO ACCEPT ,48 MONTHS OF PAYMENTS AND THE REMAINDER WOULD GO ONTO ANOTHER MODIFICATION, WHILE TELLING ME AND I QUOTE '' XXXX XXXX YOUR SITUATION IS GOING TO CHANGE TREMEMDOUSLY ' END QUOTE SHE TOLD ME TO CONTACT HER AS SOON AS I HEAR FROM THE PROGRAM I EVEN CALLED TRUIST AND GIVING XXXX XXXX MY NEW NUMBER WITHIN THE NEXT THREE WEEKS I HEARD I HAD BEEN APPROVED I IMMEDIATELY STARTED LEAVING HER MESSSAGES AND CLIENT SERVICES SENT HER AN EMAIL FOR HER TO CALL ME AND I NEVER HEARD BACK FROM HER AT ALL UNTIL AFTER THE PROGRAM HAD SINCE CLOSED AND I HAD WROTE A LETTER TO THE CHAIRMAN AND CEO OF TRUIST. HER NEGLIGENCE AND UNSCRUPULOUS ACTIONS COST ME 48 ; MONTHS OF MUCH NEEDED ASSISTANCE
Product: Credit reporting or other personal consumer reports

I filed disputes with XXXX, XXXX, and Experian over 30 days ago regarding inaccuracies on my credit report, listing specific accounts and the violations. They have failed to respond.

The company violated FCRA 623 ( a ) ( 3 ) by not marking the disputed account as disputed and 605 ( c ) by incorrectly reporting the date of last activity instead of the last payment date.

Attached are copies of all letters sent.
Product: Checking or savings account

Someone stole one of my personal checks, forged my signature and cashed it for {$1800.00}. Reported the theft to the bank and XXXX Police Department. Nothing has been done about it. The bank has not provided done anything about correcting the situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are inquiries on my credit report that I did not authorize or know anything about. Most of the companies I never heard of. On XX/XX/XXXX I called all companies to ask about the inquiry on my credit reports and they stated that they did not have me in the system and that I was not a client or customer of theirs. I asked for a written form in the mail stating so and they would not comply. I then called XXXX and told them about the issue at hand. They told me that they will submit my complaints in and to wait 30 days for a response but I havent received one. Fast forward to today XX/XX/XXXX I decided to call XXXX again and they couldnt help me so they referred me to CFPB. I first called CFPB at XXXX spoke to the representative and told her what the issue was. As soon as I stated the issue, the rep hung up on me. I say that she ended the call purposely because I provided her with a call back number in case we get disconnected and she never called back. 

DATE : XX/XX/XXXX COMPANIES : XXXX XXXX XXXX Truist XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I filed a dispute with XXXX XXXX regarding a charge of {$140.00} by XXXX for ordered items not being received. However, XXXX XXXX failed to resolve the dispute within 90 days as it is legally required to do so per FCBA. As the attached document clearly indicated that XXXX failed to resolve the dispute only until XX/XX/year>. 

Consequently, under 15 U.S. Code 1666, specifically 1666 ( a ) ( 1 ) and 1666 ( b ), XXXX has no legal right to collect or report the disputed amount of {$140.00}, nor any associated fees, due to its failure to resolve this dispute within the required timeframe. Moreover, I demand the immediate removal of all fraudulent information from all credit bureaus, including XXXX, XXXX, and TransUnion. 

I reserve the right to pursue all available legal actions against XXXX XXXX and all other parties involved for its failures and illegal actions in handling this dispute. 

All fraudulent information, including the reported past due amount, must be immediately removed from all credit bureaus, including XXXX, XXXX, and TransUnion, to avoid further legal action against all parties involved.
Product: Debt collection

This company is repeatedly harassing me with phone calls about a bogus debt. I get multiple threatening voicemails claiming they 'll involve the law. When you call they refuse to let you speak to a supervisor and say they 're unable to mail you validation of the debt. They are a scam and need to be dealt with! Any real debt owed would be reflected on my credit report, so I know they 're a scam.
Product: Vehicle loan or lease

i financed a XXXX honda XXXX on XX/XX/XXXX payments was XXXX a month. i was on XXXX  and had gotten very sick loss my job and couldnt work told honda about problem they worked with me at first paying XXXX every month then they said they need the back due in XXXX. i was in hospital XX/XX/XXXX to XX/XX/XXXX wasnt able to answer phone no one could help me with sitation when car was repoed