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

Bank of America once again is charging ridiculous fees. I spotted a XXXX fee charge stating is was over the limit withdrawal in my savings account. I called because I was not over drawn in my account. Bank of America rep informed me that the Federal Reserve Regulation D requires the bank to charge me if I make more than XXXX transfers from savings to checking. Upon checking Regulation D it states im allowed XXXX transfer transactions. I call Bank of America back and I 'm then told that they only allow XXXX then charge me XXXX for each transfer over XXXX. So which is it? Federal Gov. Says I 'm allowed XXXX, but Bank wants my money so they only allow XXXX.
Product: Money transfer, virtual currency, or money service

I sent {$85.00} to my coworker on XX/XX/XXXX. 

Coworker accepted the funds which were transferred out of my bank account immediately. 

Co-worker advised she could not transfer the funds to her bank account because it needed to be verified. 

I was also forced to verify my account again despite having verified it before. 

Coworker requested that I give her cash for payment because she needed it ASAP. I gave her cash and requested a refund through the CashApp. I was denied multiple times. 

I contacted the cash app support multiple times, on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. They refused to help me other than tell me that coworker needs to verify her account. 

Co-worker advised that she has verified her account including sending a copy of her lisence, debit card, and a photograph of herself with her debit card. 


However, she advised that cash has decided to close her account down as of yesterday where she can no longer send or receive payments. 

So, it looks like CashApp has stolen {$85.00} and I would greatly appreciate any assistance with this matter, especially if they are scamming other users, because I have no desire to promote a company that does this to their users. 

Please advise at your earliest convenience. 

I do have documentation of all of these transactions if needed. 

Sincerely, Concerned CashApp User
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute late payments in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX with Nissan Finance for a car loan that I recently paid off. I have never been late and have always made arrangements if there was having financial difficulty. I have contacted the company several times and mailed proof of payments every month I've had the loan. They are unwilling to remove the late payments.
Product: Credit reporting or other personal consumer reports

Upon checking my credit report, I have discovered a few fraudulent accounts, the accounts are XXXX XXXX XXXX with the account number XXXX opened on XX/XX/XXXX, XXXX XXXX  with the account number XXXX opened on XX/XX/XXXX, XXXX XXXX XXXX XXXX with the account number XXXX opened on XX/XX/XXXX, XXXX  with the account number XXXX opened on XX/XX/XXXX and fraudulent addresses, XXXX XXXX XXXX XXXX, XXXX, OR XXXX | XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, AZ XXXX.
Product: Student loan

Over the last four or five years I have been sent three borrower to defense loan forgiveness applications and I have sent them all in. I have received letters from the Attorney General 's office telling me that I qualify for loan forgiveness due to the fraudulent acts of XXXX XXXX. NAVIENT is the loan servicer and has not granted my loan forgiveness or given me any information as to the outcome of all three of my applications. I was a victim of fraud by XXXX XXXX. XXXX XXXX promised me that I could transfer my credits to any college of my choice after I graduate. That turned out to be false. XXXX XXXX allowed me to attend their school and graduate without a high-school diploma. XXXX XXXX recruiters told me I don't need a high-school diploma and that it is okay to have a felony record. All of which is false. XXXX XXXX promised me job placement which never happened. All the XXXX college campuses have closed and I can no longer take refresher courses. I can not work in the medical field without a high-school diploma and a felony record. XXXX XXXX has been found guilty and all I ask is to have my loans forgiven so I can move on and begin a new credible College. Approximately {$28000.00} in student loan debt from a fraudulent school is hanging over my head and reported to my credit bureaus
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX, XXXX, and Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, the companies consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), XXXX U.S.C. XXXX, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's and XXXX actions may also contravene the Consumer Financial Protection Act ( CFPA ), XXXX U.S.C. 
XXXX ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX, XXXX, and Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting or other personal consumer reports

I had a fraudulent activity on my account dated back since XX/XX/2023. This involves my Synchrony Bank/Lowe 's credit card in which my account was charged {$17000.00}. Immediately I got the charges I alerted Synchrony Bank and Lowe 's. I went to the police made a report XXXX XXXX XXXX XXXX. I went over to lowes on XXXX occasions called a police trying to get a footage of the transactions. They refused to give it to us. I was on the line with lowes executive and Synchrony Bank asking why dont they coordinate to resolve this matter. Meanwhile it is still showing on my credit report affecting negative as it is showing I have used 75 % of the total on the card. Synchrony bank refused to give a letter to remove it off my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been in contact with Transunion via snail mail, certified letters and also waiting on the phone for upwards to an hour every single time to speak to someone and then having it take 45 mins to an hour to speak to the representative from TransUnion. 

I have asked on several occaisions to FIX all the NAME variations of my name and REMOVE all the names from my files and leave me with my ONE AND ONLY legal name which is : XXXX XXXX. So far they have not gotten that straight. 

Also, there are 3 different social security numbers in my file which is also incorrect. I've asked them to fix this on several occaisions in writing as well as over the phone. It has so far been taking them 3 months!! to fix this issue. In the meantime my credit score is showing a XXXX for TransUnion while all the rest of my credit scores in in the High XXXX and XXXX! So my credit score continues to be terrible due to the confusion over there at Trans Union. This is affecting my ability to get any loans or any other credit qualifying accounts or insurance. 

So I'm reporting the fact that TransUnion still doesn't have my name correct, my social security correct. Correct Social Security is : XXXX. 

Also, they are reporting an account that is not mine ... XXXX XXXX  for around {$2500.00}. This account is NOT in my name and should not be reporting on my credit report. I've asked for removal of this over the last 3 months and they have STILL failed to remove it. This confusion is THEIR confusion.. NOT mine. I need you to step in and END THE CONFUSION about this account. Please thank you. So I'm requesting for this account to be removed permanently from my files. Thank You. 

Also, there are hard inquiries that I have already reported to them and have police report evidence, that these inquiries are NOT mine, I never verbally authorized it or in written form. TransUnion has already been notified of these in the past. 

The inquiries to be removed from my TransUnion account are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is 7 ( seven ) inquiries that need to be removed from my account. 

Please let me know when this happens. 

I'm tired of telling them the same thing over and over. 

Thank you for your help in this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Dear TransUnion, I am writing to formally dispute inaccurate personal information listed on my credit reports. Despite numerous attempts over the years to have this incorrect data removed, all three credit bureaus continue to report wrong names, incorrect addresses, and inaccurate employment information on my credit profile. 
Under the Fair Credit Reporting Act ( FCRA ), Section 609 ( 15 U.S.C. 1681g ), I have the right to receive complete and accurate information on my credit report. Additionally, FCRA Section 611 ( 15 U.S.C. 1681i ) mandates that credit reporting agencies investigate disputes thoroughly and correct or delete any information found to be inaccurate or unverifiable. The persistence of this erroneous data, despite my previous disputes, demonstrates a failure to meet these obligations.

The reporting of inaccurate personal identifiers increases my risk of identity theft and fraud, especially in a world where millions of people have similar names. The FCRA requires that credit reporting agencies ensure the maximum possible accuracy of the information they report under Section 607 ( 15 U.S.C. 1681e ( b ) ). Your failure to maintain accurate records has caused unnecessary harm and confusion.

I am requesting the immediate removal of all incorrect names, addresses, and employment information from my credit reports. Additionally, I am requesting written confirmation once these corrections have been made. Failure to address these inaccuracies properly may result in legal action under Section 616 ( 15 U.S.C. 1681n ) and Section 617 ( 15 U.S.C. 1681o ) for willful and negligent noncompliance, respectively.

Please consider this letter my formal dispute and act promptly to correct my personal information.
Product: Debt collection

I never received notification from Midland Funding llc that my savings account was going to be garnished. I was notified by my credit union with a copy of the affidavit by mail. I received the information from my credit union 2 days after {$450.00} was taken from my account. 

Upon calling Midland Funding I learned that they did n't even have my correct address. I was told they are a debt collector collecting a past debt for a XXXX Bank credit card I supposedly had between XXXX - XXXX. They gave me no additional information and told me to contact their law firm XXXX, XXXX XXXX XXXX. 

I spoke with a representative at the law firm on XXXX/XXXX/XXXX and got very little information. I asked for proof to verify that I actually had a credit card with XXXX Bank but was told they were unable to provide the original credit card agreement. I asked for proof that I indeed own this debt and was told they can only mail me their court filing regarding this matter. 

I also have to question why I am being " attacked '' for something that supposedly happened over 6 years ago. From what I understand the statute of limitation in the state of Ohio is 6 years. Midland Funding garnished my savings for a matter they claim took place between XXXX to XXXX. 

I also find it curious that my savings account shows XXXX transactions by Midland Funding on XXXX/XXXX/XXXX finally resulting in half of my joint savings account being depleted. I do not understand how {$570.00} was initially taken then {$570.00} was deposited back followed by {$560.00} taken out and {$560.00} redeposited. The final transaction was {$450.00} taken from the account by Midland Funding. All XXXX transactions took place on the same day. Why? Is this an attempt to make my account look like it had automatic deposit/wages added which would make garnishing look more legit?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have explained to TransUnion over and over that I did not give anyone permission to look at my credit. I attactched a identity theft report and a police to my previous request and they continue to leave fradugelent information on my credit report. This account does not belong to me & I have never opened an account with XXXX XXXX XXXX. The following inquiries should not be on my report because I did not give anyone my permission to look at my credit from these companies 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, and there are several from XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the following information that appears on my Transunion report from : XXXX XXXX XXXXXXXX Revolving account with account # XXXX opened on XX/XX/XXXX and a balance of $ XXXX account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 
XXXX  XXXX Revolving account with account # XXXX opened on XX/XX/XXXX and a balance of $ XXXXThis account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 
XXXX XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of $ XXXX dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 
XXXX XXXX Installment account with account # XXXX opened on XX/XX/XXXX and a balance of $ XXXX dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account.
Product: Student loan

I have been repaying my student loan through 1file.org, since I believe XXXX or XXXX. Every month, I pay {$39.00} based on my income. Every year, I submit my two most recent pay-stubs to ensure my qualification for Public Loan Forgiveness ( I am a XXXX  in a XXXX XXXX School ). I recently was contacted by XXXX XXXX  that I owe {$240.00} because I did not submit this same information on time. I called them ( Public Loan Forgiveness ) and they said there's nothing on file currently for Public Loan Forgiveness. I explained I was working with 1file.org and I have been submitting monthly payments to them. They said there's nothing in my history showing I've made any payments since XXXX ( I believe ). Right away, I knew something wasn't right. I tried contacting 1file.org and they became like a ghost. The website wasn't working and all numbers I called previously, were off line and unavailable. I then went through my XXXX  folder and found an emailing stating there was a lawsuit against 1file.org. Upon investigating further, I found the company who they are with, XXXX XXXX XXXX, also doing business as 1file.org, and the company has been suspended during the lawsuit. I talked with XXXX XXXX ( XX/XX/XXXX ) and they advised me to make a complaint with you and that this 3rd party was sending fraudulent information to them for years. For example, they stated I have a family of XXXX, which I don't. They were sending all my information to an email address connected to them and all my information was corrupt and stollen. She explained that I need to set up something immediately with them and could be in jeopardy of not being able to file Public Loan Forgiveness if audited.
Product: Credit card or prepaid card

I had filled out an application online. While reading the terms and conditions and paging down to see them all, the application submitted without me touching any buttons. 

I called Wellsfargo and after being on hold and passed around to 5 different people. 

The first number I called was XXXX and spoke to XXXX who transferred me to XXXX at XXXX and spoke to XXXX who transferred me to XXXX at XXXX. 

Then I received an email saying to call XXXX if I did not submit the application. I spoke to XXXX who said she needed to transfer me to another department. Instead she transferred me to the main menu of the phone number I had called. 

I had to wait another 10 minutes then spoke to XXXX who claimed she had to escalate the issue. Then she gave me two more phone numbers, XXXX for the application status department and XXXX for the escalation case management. 

Instead of this being handled as the email said I could do if I did not submit the application I have been transferred over and over and only given phone numbers and a reference number, then told they would contact me within 2 business days. 

The reference number I was given is XXXX. 

I have been on the phone with all of this for over an hour and a half due to this application being fraudulently submitted, with no results. 

I was wary of doing anything with Wells fargo with the lawsuits they have had. This is why I was reading the terms and conditions. They have their website set up for it to submit the application if you have filled out the information even though you have not touched any submit button. 

Thank You, XXXX XXXX
Product: Payday loan, title loan, or personal loan

I received a loan from XXXX that I did not apply for. However, somehow they deposited {$400.00} into my checking account and sent me a loan agreement that they stated I signed electronically, however, the IP Address doesn't match. They now want to electronically withdraw {$1600.00} in order to pay the loan back in full!! They actually have a 766.56 % annual percentage rate!! Even if I did apply for the loan, how is THAT legal?? I need to find out what I need to do in order to report this company so they do not steal people 's information again. When I contacted the company the asked for my personal information which I did not give. How BIG does this scam really go?? HELP!!!
Product: Checking or savings account

I had an accounting with Citizen 's, account ending in XXXX. The account was charged off in XXXX. I paid the account in full on XX/XX/XXXX. I tried to open another bank account with a different bank, they stated they could not because I had a delinquent account with Citizens. I called the recovery department and requested a letter showing the account had been paid in full as well as they report to XXXX and the credit bureaus that the account was a {$0.00} balance and not delinquent. 

I received the letter on XX/XX/XXXX, but it is still not being reported correctly. I have called multiple times to request this be taken care of. The account is still showing that I owe a balance and that it is delinquent.
Product: Credit reporting, credit repair services, or other personal consumer reports

Allegedly I opened a XXXX credit card account on XX/XX/XXXX. Both the date ( being exactly XX/XX/XXXX ) and the opening balance ( Only {$6.00} ) are suspicious. I did shop at XXXX on or around this time ; however, I did not knowingly open a new credit card. Furthermore, I have never received a physical card or any other information related to this account. I have never activated such card or used it for any purchases. 

After seeing this negatively impact my credit report, I contacted the merchant directly in XX/XX/XXXX to resolve. I even tried to pay the alleged {$6.00} at that time and was told I could not pay b/c the account was closed. Apart from this incident, I have a stellar credit history and a great income, so paying a {$6.00} balance would never have been an issue for me. However, my only option then was to trust the merchant that this had been resolved. 

I even disputed this account with all 3 credit bureaus at that time. Until last month, all 3 had marked the account as closed. I monitor my credit through Credit Karma which shows the account as closed ( screenshot attached ). However, today ( XX/XX/XXXX ), I was declined by XXXX XXXX for a student loan refinancing opportunity due to a negative account. After looking at my Credit Karma report, there we're no negative accounts to speak of and my scores we're excellent : XXXX for XXXX and XXXX for XXXX. Noticing that XXXX was missing, I went directly to XXXX 's website to discover the issue and that's when I saw the negative item from XXXX. 

It appears that the merchant, XXXX, re-opened this closed account as of last month and reported negative history to the credit agencies. The merchant 's neglect in this case has now caused me damage in the area of falsified negative credit reporting resulting in a loss of student loan refinancing.
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2020 I had reached out to Capital one with the issue of not being able to pay my monthly bill on time due to the Covid-19 issue going on. I had been out of work for 3 weeks so money was tight. When I called them I was told my next payment of {$240.00} was due on XX/XX/XXXX. I was not able to make a payment of {$240.00} on XX/XX/XXXX but did so on XX/XX/XXXX with a payment of {$250.00} bringing my account current. My account was marked 30 days late in XXXX even after I had talked to them about pushing my payments back and still bringing my account current during that month. I reached out to the company again trying to plan with them I am a XXXX veteran trying to buy a home and because of this mishap it brought my credit scpr down over 100 points. After speaking with 2 different representatives both of them  came to the same conclusion that there was nothing they can do. Even after all of their heartfelt Covid 19 relief messages they are there for no one but their selfs.
Product: Checking or savings account

COMPANY WAS EXCESSIVE WITH ITS OVERDRAFT FEES AND CLOSED MY ACCOUNT UNEXPECTILY.