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

Contacted the bank paid all accounts to a XXXX balance back end numbers and visible numbers. All transactions completed XXXX at Bank of America in the XXXX district banking numbers. I collected the confirmation and close out numbers when each transaction was processed despite phone being hacked by XXXX and XXXX.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to seek your assistance in resolving an issue regarding an incorrect name associated with my accounts. I have made multiple attempts to correct the error, including contacting the institutions involved, providing proper identification, and submitting formal name correction requests. Despite these efforts, the incorrect name continues to appear on my accounts, causing significant confusion and impacting my financial records. 

I kindly request your intervention to ensure the proper correction of my name across all accounts and associated records. Please let me know if additional documentation is needed to support this request. 

Thank you for your attention to this matter.
Product: Student loan

I am a military member in the XXXX XXXX. My military benefits include {$50000.00} of student loan repayment. I have GATE loans with AES/PHEAA as the servicing agency and XXXX XXXX XXXX XXXX XXXX as the lender. The XXXX paid {$5200.00} towards my Gate loans in XX/XX/XXXX and {$5300.00} in XX/XX/XXXX. These payments go towards principal. I still have four more years of those payments plus one additional year of partial payment of approximately {$2500.00}. 

I have been trying unsuccessfully to change my payment terms to interest only where there is a monthly interest payment. I WILL PAY THE INTEREST MONTHLY. Then once a year in the fall ( FOR 5 MORE YEARS ), the XXXX will make their government principal payment towards my loans. 

The reason for this is so that I do not have to pay back money that the XXXX will be paying on my behalf. AES has stated that XXXX XXXX XXXX XXXX XXXX have been non-responsive and/or will not grant my request. I have faxed them two different letters and have spoken on the phone countless times. I am an XXXX Veteran who has earned these military benefits. The fact that these companies will not work with me to allow me to use the benefits is unacceptable. By changing my loan to interest only, the lender has the best chance of getting their money. 

I have attached proof from the last two years of the government payment. I also have attached my contract for Student Loan Repayment Program.
Product: Credit reporting or other personal consumer reports

In XX/XX/2015 somebody used my social security number to set up a credit account using the name XXXX  XXXX. I want to get this fraudulent account taken off my credit reports and to have all collection attempts seized and dismissed.
Product: Checking or savings account

On XX/XX/2023, Chase Bank decided to close my account. There was no reason given or notice, they simply blocked my funds and restricted my from accessing my hard worked earned money. They said I was going to receive my funds in the mail within 10 business days and it has been 8 months. Eight months of weekly calls for updates, with months of being transfered from department to department, eight months trying to figure out how I can get my money back, since I am an entrepreneur and SURVIVE paycheck to paycheck. Every time they tell me something different, first it was a flagged transaction, then a zelle payment, then a deposit ; ultimately they do not know. Based on the information they have provided me, they do not know where my money is and " the only department that might know '' does not have an email, phone number or office where they can access them. Apparently they are a ghost part of the bank and no one has access to them. So I just need to wait " with no timeline ''. Like my bills are going to wait too. 

I even traveled to another state for an appointment with banker, to provide written proof that the funds are mine and they still refuse to release my funds.
Product: Credit card

Capital One closed XXXX XXXX credit cards and a Walmart credit card. I was NEVER late or had reversed payments now with XXXX closed accounts at creditors request I am stuck with XXXX {$300.00} limit cards with no chance of increase.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent inquires are reporting on my credit report on Equifax, XXXX, and XXXX from the companies listed below along with the inquire dates. These fraudulent inquires are damaging my personal credit report. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX EQUIFAX MORTGAGE SERVICES  XX/XX/XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently viewed my credit report and noticed some inaccurate information that does not belong to me. I also noticed incorrect information reported that is hindering me from moving forward.
Product: Bank account or service

Bank of America ATMs let you overdraw the account and then charge you a {$35.00} overdraft fee. This is unlike most banks ' practices. For example, XXXX and XXXX ATMs do n't do that. I called them at XXXX today and had to wait on hold an hour to ask for a one-time courtesy adjustment because they let my bank account overdraw when my girlfriend used the ATM. They refused the adjustment even though after the overdraft, Bank of America sent no email notification or XXXX application notification regarding the overdraft. They let the overdraft stand until early the next morning when I saw it, by which point they had charged me {$35.00} as an overdraft fee. They intentionally do not notify their customers so that their customers do not cover overdrafts. My account was only overdrawn a few hours until I covered it at XXXX or XXXX the next day. Even then, I was still charged {$35.00}. My account with them is not even a day to day account ; I usually only have {$1.00} in there and keep the account to send money to family. Also, I called them and asked for a one-time courtesy adjustment of this overdraft and they refused, saying that the fee was properly assessed. This is even though I never selected this intentional overdraft feature for my account, which has been opened 11 years. This must be a more recent feature they have added to rack up fees.
Product: Credit reporting or other personal consumer reports

Complaint Regarding Failure to Remove Identity Theft Information from Credit Report Consumer is writing to file a formal complaint against the credit reporting agencies XXXX, XXXX XXXX Experian for failing to remove fraudulent information from consumers credit report, despite consumers repeated requests and compliance with all necessary procedures. 

On XX/XX/XXXX consumer discovered that they were a victim of identity theft. The fraudulent activities have severely impacted consumers credit report, and consumer has been diligently working to have these items removed. To this end, consumer filed an identity theft report with the Federal Trade Commission ( FTC ) on XX/XX/XXXX, and provided copies of this report, along with other supporting documentation, to the credit reporting agencies. 

Pursuant to 15 U.S.C. 1681c-2 ( the Fair Credit Reporting Act ), the CRAs are required to block the reporting of fraudulent information resulting from identity theft within four business days of receiving proof of the identity theft, a copy of the identity theft report, and an identification of the fraudulent items to be blocked. Despite meeting these requirements and making multiple requests, the credit reporting agencies have failed to comply with this legal obligation. 

The failure to remove this fraudulent information is not a matter of negligence or oversight but constitutes willful non-compliance with the FCRA. This deliberate disregard for federal law has caused significant and ongoing harm to consumers credit standing, financial well-being, and peace of mind. 

Under 15 U.S.C. 1681n, consumer is entitled to seek damages for this willful violation, including actual damages, statutory damages, punitive damages, and reasonable attorneys fees and costs.

Consumer has contacted the credit reporting agencies XXXX, Experian and XXXX and provided all required information, yet the fraudulent items remain on consumers credit file. This failure to act is causing continued harm to consumers credit score and financial well-being.

Consumer is requesting that the Consumer Financial Protection Bureau intervene to ensure that the credit reporting agencies immediately comply with the law, remove all fraudulent information from consumers credit report and credit file, and prevent further damage to consumers credit standing. 

Requested Resolution : 1. Immediate removal of all fraudulent information from consumer credit report, in accordance with 15 U.S.C. 1681c-2. 
2. Confirmation in writing that the fraudulent information has been removed.

3. An investigation into the credit reporting agencies non-compliance with federal law.

Remedy for non compliance of {$5000.00} pee 15 usc 1681n! Through electronic funds transfer. 
Account # XXXX Routing # XXXX Thank you for your prompt attention to this matter. 

Personal Information : Full Name : [ XXXX XXXX ] Address : [ XXXX XXXX XXXX XXXX # XXXX XXXX Texas XXXX Phone Number : [ XXXX ] Email : [ XXXX ] Credit Reporting Agencies Involved : [ XXXX, Experian, XXXX ]
Product: Credit card

I was charged for 3 transactions on my cap one credit card. I reported fraud & requested a new card. They temporarily credited me & put it in dispute. Then a few weeks later, I was recharged for the 3 charges, & after 10 calls, better XXXX I was told, I made the purchases & I was responsible This is absurd, why should I pay over {$200.00} for products I never ordered or received
Product: Mortgage

Nationstar Mortgage dba Mr. Cooper moved for foreclosure shortly after the Plaintiffs filed a complaint with the North Commission of Banks. because Nationstar was improperly hanging the homeowner in a suspense account and not applying them to the plaintiffs ' mortgage. By evidence of.the of late charges in Exhibit A the plaintiffs were two months behind on their mortgage. when Nationstar forclosed an illegal process under the Consumer Financial Protection Bureau 4 month rule before a servicer can foreclose. Nationstar is also in violation of the Bureaus ' strict rules against Duel Tracking by evidence.of the upload. 

Nationstar was also in violation of the homeowner 's contract. There is a clause in the contract that states Nationstar must abate foreclosure if a demand for a Mediation is made and by evidence of the upload a Demand was made.
Product: Credit card or prepaid card

Good afternoon, During the Covid19 pandemic my husband lost his job. We are still having problems on making the payments. I reach out to the credit company to reset my payments on XX/XX/XXXX spoke with Employee # XXXX I was advised that the payment will be reset and I will not be responsible for pay for the month of XXXX, meanwhile this was reported to the credit bureau. On XX/XX/XXXX called again spoke with employee # XXXX she advised that the credit bureau has been updated on XXXX ( which until this date the credit score is not reflected ). In addition to that I was told that XXXX payment for XXXX will be reset as well. On XXXX I called again spoke with e # XXXX I was told that there is nothing in the system about the XXXX payment and was advised that the credit bureau was updated on XX/XX/XXXX ( still not showing any changes - my score significantly 33points  went down due to this situation ) Im a XXXX worker it is very difficult for me to spend hours on the phone to resolved this. 
Please help
Product: Credit reporting or other personal consumer reports

The XXXX  charge off information is wrong on my credit report, it is on XXXX and Experian but not XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX Has violated my rights 15 U.S.C 1681 section 602 A. States 1 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 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 Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years 1 5 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Mortgage

I applied for a HELOC with a lender. After applying, I was bombarded with phone calls from mortgage brokers with no apparent affiliation to the lender I submitted the application with. One of those brokers was MortgagePros , LLC and their representative XXXX XXXX ( XXXX : XXXX ). During our interaction it was made clear that I was interested in a HELOC. After obtaining my information and claiming to look for the offers in my best interest, it became clear the broker was fixated on a cash out refinance of my existing mortgage with no intent to fulfill my request for a HELOC. I explained my intent to repay the HELOC within a short time period as opposed to the 28 years remaining on my mortgage. XXXX XXXX was relentless in his attempts to sway me toward the refinance, a move that would have ended up costing me close to $ XXXX more. 

Current Mortgage Remaining Term Balance : $ XXXX 3.5 % for 28 Years = $ XXXX Requested HELOC : $ XXXX 12.9 % for 15 Years = $ XXXX That totals $ XXXX over the life of both loans and I had no intent of letting the HELOC balance carry for more than 3 years. 

MortgagePros LLC was pushing me toward a cash out refinance, which would have been approximately $ XXXX 6.5 % for 28 Years = $ XXXX
Product: Credit reporting or other personal consumer reports

This is my formal request to dispute the accounts listed in this complaint. These accounts are not mine, never verified or validated. I have never entered into any agreements or contracts with the data furnishes of these accounts. XXXX XXXX XXXX is not Mine
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax continues to use information that does not belong to me on my credit report. I have reported this issue to Equifax numerous times. Even after their " investigation '' they still purposely report the same information as my name being XXXX XXXX XXXX XXXX. 

On page 3 of the document Equifax XXXX, Equifax has updated my information to say that, " I may wish to provide my credit grantors with the update : Name : XXXX XXXX XXXX, XXXX Ssn XXXX Birthdate XX/XX/XXXX. This is not true. 

On page 4 of document Equifax XXXX, Equifax is again asking for a copy of my identification and social security card, to which I have already mailed to them by US mail. Equifax has confirmed the receipt of my identification as indicated in my CFPB complaint # XXXX on XX/XX/XXXX. 

On XX/XX/XXXX, I contacted Equifax at XXXX. I spoke with XXXX of Equifax ( id # XXXX ). She asked me to verify my name and when I did, she stated that my name has the suffix " XXXX '' at the end. I told XXXX that my name does not have any suffix. XXXX told me that I needed to send in my identification. I informed XXXX that I had sent my identification and social security card to Equifax over 30 days ago. I also informed XXXX that I have already disputed this information with Equifax aroundXX/XX/XXXX. XXXX did acknowledge receipt of my identification. Even after Equifax received my identification to verify my name, Equifax has continued to report information about me under a name that does not belong to me.
Product: Checking or savings account

On XX/XX/23 I received a phishing text supposedly from the XXXX about a package that needed to be redelivered ( I was waiting on something ) and there was a small fee for redelivery ) and not realizing it was phishing, entered my debit card information. 

Later that day, once I realized it was phishing, I reported my card number as compromised and had a new card sent. No unauthorized charges were made, so I thought I was safe. 

Then on XX/XX/23, XXXX unauthorized charges were taken of XXXX each, because the new card information was entered into the Wells Fargo digital wallet. 

I contacted Wells Fargo to report the charges as not something I authorized. and they then cancelled the replacement card ( which I had not received ) and sent another card ( the one I have now ) and began the process to investigate and get my money back. 

However, a few weeks later I received a letter stating that the claim was closed and I would not get my money reimbursed. I then contacted the claims department to dispute this, and try to give more information about what happened. They denied to reimburse me and escalated it to XXXX XXXX XXXX XXXX. 

I was contacted by an Escalations representative and again explained things. A week later I am told that I am not getting reimbursed as the claims department decision that " it looks like the charges were authorized '' is correct and there is nothing I can do to dispute this further.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I hope you're all doing great. I'll be straight, I need these following accounts to be investigated as they seemed to be either INACCURATE, INCORRECT, and UNKNOWN to me within my knowledge. I have listed the wrongs I have noticed below. Ive actually tried again and again to make sense of what Im seeing. Unfortunately, I cant make heads or tails of this and need your help. Ive found multiple inaccuracies and Im aware that your job is to ensure the accuracy of my credit report. If you would, please investigate these items and send me a new credit report reflecting the changes. I would appreciate it if youd expedite this because I need to apply for a job. 

Please investigate the following : XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXXInaccurate XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXXInaccurate XXXX  ( Original Creditor : XXXX XXXX  XXXX  ) XXXXInaccurate XXXX  ( Original Creditor : XXXX XXXX ) XXXXInaccurate XXXX  XXXX  XXXX  ( Original Creditor : XXXX  XXXX  XXXX XXXX XXXX ) XXXXInaccurate XXXX XXXX ( Original Creditor : XXXX  XXXX   XXXX XXXX  XXXX ) XXXXInaccurate XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXXInaccurate XXXX ( Original Creditor : XXXX XXXX ) XXXXInaccurate XXXX  XXXX   XXXX | XXXXN/AInaccurate XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXXInaccurate XXXX XXXXInaccurate I am asking that your agency remove the below-listed inquiries as I did not authorize it. The company did not notify me until after this was already done. I also know that the FCRA states that the only purposes for pulling it in someones credit report are : a firm offer of credit, insurance, court order or employment. 

Inquiries : XXXX XXXX XXXX  | XXXXN/AInaccurate XXXX  XXXX XXXX  | XXXXN/AInaccurate XXXX  XXXX XXXX  | XXXXN/AInaccurate XXXX   | XXXXN/AInaccurate XXXX  XXXX  | XXXXN/AInaccurate XXXX   XXXX  XXXX XXXX | XXXXN/AInaccurate XXXX  | XXXXN/AInaccurate XXXX XXXX  | XXXXN/AInaccurate XXXX XXXX | XX/XX/XXXXN/AInaccurate XXXX  | XXXXN/AInaccurate XXXX-XXXX  | XXXXN/AInaccurate XXXX | XXXXN/AInaccurate XXXX  | XXXXN/AInaccurate XXXX | XXXXN/AInaccurate XXXX XXXX | XXXXN/AInaccurate Any and all others are inaccurate and/or outdated and must delete immediately from my credit report. 

I would really appreciate your help with this matter. I hope to hear from you soon.
Product: Debt collection

I am writing to express my disappointment with the inaccurate credit reporting done by Capital One Financial Corp. This reporting has severely damaged my financial situation. On XX/XX/2023, I noticed a new account on my credit report that I did not open. I immediately sent a notice to Capital One Financial Corp, requesting them to validate the debt and remove it from my credit report. I sent this notice via certified mail with tracking number XXXX XXXX XXXX XXXX XXXX. Despite my notice, Capital One Financial Corp has not taken any action to remove the debt from my credit report. As a result, my credit score and report has been damaged, making it difficult for me to obtain credit, which I need to purchase a home. I am requesting that Capital One Financial Corp immediately remove the disputed debt from my credit report. I am also requesting that they provide me with a copy of the validation letter that they sent to the credit bureaus. If Capital One Financial Corp does not take action to resolve this matter, I will be forced to take further action, including filing a lawsuit.
Product: Credit card

This is my second time in this situation. On XXXX XXXX a payment to Capital One posted from my XXXX bank account. Capital Ones website states that payments made before XXXX will be posted same day and payments after XXXX will be next day. My mom made a payment on her account it went straight through and her available credit reflected the payment immediately. My payment is still pending. I contact Capital One which caused many contradictories. On one hand they say I can not get a refund for my payment because it has posted but they claim my available credit can not be released because of a review to verify my funds. I asked them to explain how a payment can post but not be cleared and they can not give any explanation besides they just do that sometimes. Thats unacceptable as Ive done nothing wrong to be placed under review for EVERY payment i make. Capital One also revoked ability to pay via debit card leaving you NO choice but to pay ACH but turn around and hold your money. As stated before the payment posted from my bank account on XX/XX/XXXX at XXXX. It is not in pending status. Capital One sent me email at XXXX same day indicating my payment was posted in their system as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an XXXX credit card and the bank operating the card changed. I had automatic payments set up and did not receive any notice that they would be terminated, possibly due to the fact that I moved during the time that the banks were transferred. Because my automatic payment didn't post, my payment was late and the credit card company reported to credit agencies. When I realized it was late, I immediately paid in full and sent a letter to the bank explaining the situation. The bank responded initially by saying they would remove the negative credit remark, but they have not done so and my credit is still impacted.