23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I submitted the attached letters to Caine Weiner & XXXX requesting them to validate the information they are reporting. To date, I have yet to receive a response from either company regarding this reporting. 

This item needs to be deleted from my report as it was not verified within 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2019. Tuesday. 

- My inquiries are victim to Transunion 's " Inquiry Issue ''. Customer Service with Transunion was unable to help resolve my issue & was unable to point me in the right direction to resolve my issue. 

These inquiries should not be on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I XXXX For
Product: Credit reporting or other personal consumer reports

I recently review a copy of my credit report and notice I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit. According to 15 USC 1681s-2 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. 

Account name : XXXX XXXX XXXX Account number : XXXX Account amount : {$860.00} Date opened : XX/XX/2023 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 

XXXXXXXX XXXX XXXX  XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$310.00} ; XXXX XXXX XXXX Balance : {$240.00} ; XXXX XX/XX/XXXX.
Product: Credit card or prepaid card

Hello, my name is XXXX XXXX and I recently moved to XXXX and have had a difficult time finding a job and paying my credit cards payments on time. While this has been a difficult transition for me I have still managed to make two payments a week late in the last month ( {$35.00} ). 
I still do not have a job yet and have decided to join the XXXX XXXX in order to serve my country and become more financially independent. While this is still in processing I am adamant about staying on top of my bills and paying my credit card payments on time. It is very important to me to stay in my integrity and honor the debt that I owe. 
The specific credit card in this situation I am writing to you about is Capital One. I have made two late payments and have been charged twice for late fees ( {$25.00} x2 ). I promise that this will not happen again and I will stay on top of this bill I just need those fees waived and for the derogatory marks to be taken off of my credit score. The XXXX XXXX is looking into my credit history and it is imperative that I be making on time payments in order to secure my contract with them. 
Please from the bottom of my heart I promise I will make my payments on time I just need some help clearing these two mistakes off of my history and my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX Re : This is a formal dispute of my right as a consumer for removal of all reported inaccurate reporting named in this dispute that is reporting on my credit report. Please firmly establish that your reportings certifiably compliant in its reporting ( XXXX ) as dubious to be of the mandated physically verified validated claims of truth, accuracy, completeness, of known ownership of responsibility, inadequate timeliness, and or else wise indubitable in or of its validity unequivocally disclosed, as indicated! To Whom it may Concerns, I am very curious as to what kinds of process-verbal or " records '' you may have for any and each of the accounts alleged by the non-compliant data-furnishing reporter ( XXXX ). It is your requirement to have a certifiably compliant reporting process of which adheres to the mandatorily utilized XXXX XXXX data field formatted reporting standard ( XXXX ). Under the FCRA, you are required to investigate on this account if I request it, and further provide me a written report of proceedings. I, therefore, am submitting my written request to you to investigate. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time, per the FCRA, you must remove any alleged unproven negative information of which I have launched contesting of reporting privilege ( XXXX ) by the indicated reporting entity ( ies ). Again, I believe, and you shall agree that it is noteworthy that as the injured consumer, I am of no obligation ( XXXX ) to reveal any imperfections nor any flawed reporting as it is your moral imperative to do so. However, at a minimum, the reported allegations versus me include what I have identified as being likely-SUSPICIOUS claims of base field 7 ( BSCF-7 ) with redacted truncation. In mathematical reality, this makes it impossible for ANY ENTITY to be certain of adequacy to the perfect inclusion and arrangement of ONLY accurate and complete data field information within the requisite reported data fields outlined mandatory for lawful reporting fulfilling the necessary decrees. That is, how is it assumed that the true. the following account is not accurate XXXX XXXX XXXXXXXX XXXX XXXXXXXX
Product: Credit card

i am not able to log into my account online. If i enter a user id it says that it is used, but i can not get access from the system
Product: Credit reporting or other personal consumer reports

Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. Please block this information from my credit report, pursuant to section XXXX of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. Added Accounts included : 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 A copy of my credit report I received from your company. The fraudulent items are circled. 
A copy of my Identity Theft Report and proof of my identity. 
A copy of section XXXX of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within XXXX business days and to promptly notify the furnisher ( XXXX ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, Thanks, XXXX XXXX XXXXXXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, I deposited XXXX XXXX ( Dogecoin ) into my account on the XXXX XXXX XXXX. The transaction was confirmed on the blockchain under the transaction ID XXXX, but the funds have not been credited to my account. 
I contacted XXXX support team shortly after noticing the issue. They assured me they were investigating and would resolve it. However, despite multiple follow-ups over the past XXXX XXXX, the funds remain uncredited. Each response from Coinlist has indicated that they are " working on it, '' but no progress or resolution has been provided. 
This delay has caused significant inconvenience, as I have been unable to access my funds. Furthermore, the value of XXXX has increased considerably since the deposit, and I have been unable to secure the potential profit due to my inability to trade or withdraw the funds. 
I am seeking immediate resolution of this matter, including crediting the missing funds to my account and an explanation for the prolonged delay.
Product: Credit card

I received notification from Bank of America that they were reducing the credit limit on a credit card they think I have with them. I do not have a Bank of America credit card and think they opened it fraudulently in my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

My address and names on my report still reporting wrong I've ask them to update information but they refuse too...
Product: Credit card or prepaid card

On XX/XX/2020 the XXXX XXXX XXXX of Michigan made two deposits to my Bank of America issued debit card for unemployment funds. The 1st {$600.00} payment covered unemployment for XX/XX/2020 and the 2nd {$600.00} payment covered unemployment for XX/XX/2020. The payments were deposited on XX/XX/2020. This is what happens when you are paid retroactively and you have your account on hold for the XXXX they often pay you later. However Bank of America only deposited XXXX of the amounts of {$600.00} to my debit card. The complete ignorance from a previous complaint where I outlined all the same details apparently were lost on Bank of America just like my money was and they kept insisting that I was talking about XXXX deposits in XXXX payments when I was not as you can see from the attached information that they actually sent me back which clearly shows deposits made in XXXX one for {$600.00} BUT ONLY ONE NOT TWO AS THE XXXX SNAPSHOTS SHOW! Michigan XXXX has repeatedly told me both transaction numbers and only one shows up as you can see on the Bank of America statement. There is a second transaction. Bank of America did not apply it to my card. This is been going on for a year and I need the money. The reference number and ACH LOAD on XX/XX/2020 SHOWS {$600.00}! THE XXXX SHOWS 2 ACH LOADS FOR {$600.00} EACH FOR A TOTAL OF {$1200.00}. WHERE IS THE OTHER {$600.00}! 

Bank of America and the cfpb need to stop looking at the XXXX information you need to look at the XXXX information and then XXXX statements and the XXXX deposits and the XXXX XXXX information. 

Can nobody read the information that I'm typing and sending and understand what I'm talking about because it's a very clear and I will not accept any response other than anything to do with XXXX and what happened in XXXX of 2020. Tell me where the other {$600.00} went the deposit was made by the XXXX and they have provided me the proof and they are stating that the Bank of America did not apply the money to my account which clearly B of A that Bank of America sent me is true and only ONE DEPOST SHOWS IN XXXX OF 2020!
Product: Debt collection

I have a debt collector saying I owe a debt on an old credit card. I called the credit card company and they show there is not amount owed or charged off to debt collector. This happend on XX/XX/2019. They say there company is called XXXX XXXX XXXX XXXX. When I call them back they put me on hold and it goes to voicemail.
Product: Credit reporting or other personal consumer reports

My account with ( XXXXXXXX XXXX XXXX  ) was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

( XXXXXXXX XXXX XXXXXXXX ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit card or prepaid card

I talked to Synchrony Bank at approximately XXXX today, XX/XX/2022 and spoke with XXXX and XXXX XXXX in the fraud department. 
They could not give me any information on my account because there was a hold on it to establish identity. There was an elaborate process which I went through... taking my picture and a picture of my driver 's license front and back. by way of a link but the system said my pictures were blurry and XXXX said the only way left was to mail me a letter with a code and I could call in and tell them the code. The letter would take 10 days and my account payment date is in 8 days so I would be in default. I went through this same process last month but I completed it and this time it wouldn't go through. 
My account shows a O balance but that can't be true because there are monthly charges that come through every month and I can't get access to them or see them on 'activity ' for last month. They also say I am not allowed to have any information on my account verbally because I haven't established identity.
Product: Student loan

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX  XXXX XXXX Subject : Formal Complaint Regarding Improper Interest Accrual on Student Loan Dear XXXX XXXX I am filing a formal complaint regarding improper interest accrual on my student loan account, serviced by Nelnet, while I was enrolled in the Saving on a Valuable Education ( SAVE ) Plan. This complaint concerns XXXX, which was applied to my account despite the SAVE Plan 's provisions that guarantee no interest accrual during {$0.00} payment periods. 

Summary of the Complaint : Improper Interest Accrual Despite Eligibility for {$0.00} Payments. Under the SAVE Plan, borrowers eligible for {$0.00} payments should not accrue interest. This interest charge violates the program 's terms, which were implemented to protect borrowers from unnecessary debt accumulation. 

Inadequate Response from Loan Servicer Shortly after discovering the interest charge, I contacted Nelnet. A representative assured me that the interest would be removed. However, the charge remains on my account. Additionally, when I spoke with a supervisor, they could not explain the origin of the interest charge and promised a follow-up, which never occurred. 

Press Release by Education Secretary XXXX XXXX In response to the 8th Circuit Court of Appeals siding in favor of a lawsuit challenging the SAVE program, Education Secretary XXXX XXXX stated on XX/XX/XXXX, that borrowers enrolled in the SAVE plan will be placed in an interest-free forbearance. Despite this guarantee, interest has continued to accrue on my account. 

Violation of Federal Protections These actions may violate federal laws and regulations, including : The Higher Education Act of 1965, which governs student loans and protects borrowers rights. 

The Fair Debt Collection Practices Act ( FDCPA ), which prohibits unfair debt practices. 

The Truth in Lending Act ( TILA ), which ensures accurate loan terms disclosure. 

Lack of Transparency [ XXXX XXXX XXXX ] has not provided adequate documentation or a clear explanation for the improper interest charges, leaving me without a resolution. 

Requested Resolution : I respectfully request the following : Immediate Refund of Improperly Charged Interest : Refund XXXX charged to my account.

Review of Loan Account : Conduct a full review of my account to ensure no additional improper charges. 

Detailed Explanation : Provide a written explanation of the interest charges and their origin. 

Preventative Measures : Ensure corrective actions to prevent similar issues for other borrowers. 

Conclusion : I believe Nelnet 's actions violate federal regulations and borrower protections. If this matter is not resolved promptly, I will pursue legal action and explore other avenues to ensure compliance with the SAVE Plan and federal guidelines. 

Thank you for your attention to this matter. Please contact me if further information is needed. 

Sincerely, XXXX XXXX XXXX Loan Account Number : XXXX
Product: Mortgage

Hello, I 'm having issues with my mortgage company saying that they can not discuss anything with me. They say that my estranged husband is the only one they will communicate with. they know we have been separated since XXXX and that I reside in and maintain the property. Recently I 've had some financial hardships and I 've reached out to the lender and they refuse to communicate with me as well as their lawyers. I was informed by housing counsel that as long as my name is on the note they should communicate with me. To no avail they wo n't. I feel there are some inflated costs to reinstate my mortgage so I made several attempts asking why and no one will communicate with me. there is also the question of would I even have all of these costs if they would have communicated with me from the beginning. Please if you can help me I need and want my home for my children and I.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2023 I filed for a First Progress card via Synovus bank. The card was received and never activated, therefore there should have been no activation fee charged. I recently filed for a loan pre qualification and was denied, upon investigation I discovered a delinquency from First Progress showing I have failed to pay an activation fee for a card I never activated. I called First Progress today ( XX/XX/XXXX ) to resolve this issue and customer services tried to inform me I have to send in a request to remove the charges via a handwritten letter sent to a po box XXXX They claim mail is the only way to resolve this issue. But its 2023 and everyone uses online banking Im not sure why I would need to pay an activation fee for a card/account that is not active.
Product: Debt collection

I received a phone call from hunter warfield the man told me I could face up to 20 years over my debt. They gave me only two options to resolve my debt and I told them I dont think I could afford that. I know I have to take responsibility over my debt but I can only afford so much and am whiling to work with them but they wont work with me. They told me they sent me a list of what I owed in a email but I went through my email, spam never received this list. XXXX tried getting ahold of this company before but ended up getting number to credit help.
Product: Credit card

Please excuse any typos Im dictating this on my XXXX. Ive got XXXX. XXXX XXXX XXXX XXXX and I cant type very well my XXXX. 
Im about to Im about to purchase about {$10000.00} in new furniture for Macys in the past Ive like doing business with them because they have a good selection, good financing terms, and their sales people are generally very good, my latest experience is much much worse. I cant get a straight answer on promotional terms. I cant get a straight answer on what my credit limit is. Can you get a straight answer on delivery I get emails every day about delivering furniture that was supposed not supposed to be delivered till all of the furniture came in The sales people seem insular to these issues and dont want to solve them blame them on Macys them selves and asked me STS to call customer service which is totally unhelpful. You cant understand most of them. They dont speak English very well. Ive done business in the technology sector for 40 years globally, and I understand accents from just about every country in the world and I cant understand these people are working in the US for Macys in the customer service department there. Totally understandable insular dont care of the customer cant understand them dont provide a solution dont even say oh Ill get somebody else to talk to you they just transfer you another number so you can start all over again with somebody else. He doesnt speak very good English. The whole experience has been very, very frustrating, but my main issue is they are not revealing the terms and making it very difficult to find out what the terms are and they need to hide the word customers like myself. How can I turn down a {$10000.00} purchase when youre practically bankrupt. This company is very broken. Your Board of Directors needs to be revamped and people with real customer service experience put on it. I repeat from my last complaint button where you asked to publish. This does not work properly. I have a new XXXX. I keep pressing the button and nothing happens. Fix this problem. Its your website problem its not XXXX problem. Do you have a Customerservice problem yourself fix it?
Product: Credit card or prepaid card

In accordance with the Fair Credit Reporting Act # XXXX, My rights were violated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiries listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING INQUIRIES COMPLETELY FROM MY CREDIT REPORT. 
XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

There was fraud covered byREG E on my account Citi bank then refunded me my money and instantly blocked my account and closed it, no one from their team has helped me get access to these funds. All they say is 30-60 days I will receive a check. Citi bank allowed this fraud to happen on my account and they closed my account for their mistake. And now they are refusing to allow me to withdraw my funds or wire my funds to another account. They are violating REG E and have completely stolen my money with zero explanation.
Product: Credit reporting or other personal consumer reports

It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
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