23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

My previous complaint filled on XX/XX/XXXX was closed by Bank of america, as they claimed that it is not an authorized claim. They did leave message to me on my phone, and give me call back number, and extension, however, I have called back at least 6 times, it always go to voicemail directly, so we didn ; t get chance to discussion over the phone. Instead responding to me through other way, they decided to claim I am not the cardholder and closed the case. How can they do that?! My previous claim number was XXXX The complaint is : I have BankAmericard Better Balance Rewards Visa Platinum Plus account with bank of america. The card features {$25.00} dollars statement credit each quarter if I make payment more than min due. I was told that even I don't have a min due ( meaning min due is XXXX dollar ), as long as I make a payment, then I would qualify to get XXXX dollars each quarter. I have set up monthly payment, and the last {$25.00} rewards I got was on my XX/XX/XXXX statement, which should be for XXXX XX/XX/XXXX. That means I didn't get ANY rewards for my XX/XX/XXXX activities.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Somebody use my identity and my old address to file for disability and 1040 forms for the year of XXXX. There is also a credit hard push report because apparently they use my personal information to try to get an apartment as far as Im aware. On the disability form it shows that they were born in XXXX when I was born in XXXX and on credit consumer report shows that I own a XXXX XXXX which I have never owned in my life. I dont know if they have done anymore but this is as far as I was able to find out but this was not me I never filed for disability and I have not filed for XXXX yet. My name is XXXX XXXX and my number is XXXX please somebody contact me as soon as possible this is identity five credit fraud and I want to press charges for the fall extent of the law for whoever did this to me
Product: Debt collection

I WAS REVIEWING MY CREDIT REPORT AND WAS ALARMED BY THE FRAUDULENT ACCOUNTS AND INQUIRIES REPORTING. PLEASE SEE ATTCHED DOCS.
Product: Money transfer, virtual currency, or money service

( Block , Inc ) due to inadequate customer service and unfair practices, which violate the consumer financial protection act ( CFPA ). Specifically, Cash App failed to take the timely and affective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulations E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my XXXX credit report there is an account from midland credit that is not mine. I call midland credit, and they had information that was not mine. Wrong address and a similar name but not my full name XXXX XXXX XXXX XXXX. The way it Shoubein on all contacts that I sign.
Product: Credit card

My Capital One credit card bill was due on XX/XX/XXXX. I realized at XXXX XXXX on XX/XX/XXXX that I missed the payment, so I logged into my account to make the payment. Much to my surprise, the bank already charged me a late payment fee of {$29.00}. Even more shocking, it wasnt the capped fee per Regulation Z. 
Having familiarized myself with CFPB Regulation Z and the timing for when it went into effect ( XX/XX/XXXX ), I wondered why the late fee was {$29.00} and not {$8.00}. I called Capital One, explained the situation, and asked if the fee might be waived. I also asked why the bank charged the high fee when a law took effect in XX/XX/XXXX, capping the fee at {$8.00}. The representative said she couldn't comment on the new regulation, and it was the first time she'd heard of it. She said as far as she knows, the bank is waiting to see " what happens with [ the ruling ]. '' While I appreciate Capital One waiving my late fee ( " as a one-time courtesy, '' I was told ), I don't appreciate them continuing to pass along the old/higher late fee to the majority of customers who are unaware of the new regulation. 

I hope you will take the necessary steps to remind Capital One of its responsibility to its customers. If Capital One truly is " ... on a mission to change banking for good, '' then start by being honest to your customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed late payments with my mortgage company. 

They sent me a letter which does not constitute validation of the payment history. 

I was on a repayment plan which provided a different amount then my and different due dates. 

The credit report verifies payments received in XXXX reported by Loancare. 

In XXXX I submitted a application for forbearance and never received a response from the company other than the confirmation email. 

I have provided copies of my credit reports showing the discrepancies between the bureaus which is been verified/certified as accurate by information provider LoanCare.
Product: Debt collection

A company that is not a part of my federal student loan report is trying to collect a debt that is not owed to them. This company is a private company not a student loan collection agency. Also this company is a 6th or 7th party.
Product: Student loan

Very difficult to get different payment options through Navient. More or less if you ca n't pay what they set for you, they only give you the option to go into forbearance. If you say that 's not an option, they say " tough luck ''.
Product: Debt collection

I am attempting to obtain a mortgage loan, and noted in my credit report an item from IQ Data International ( IQDI ), a debt collection agency in XXXX, WA. Because I was unfamiliar with this item, I contacted IQDI, and was informed that the account listed on my credit report ( XXXX ) was not my account, and instead belongs to a XXXX XXXX ( a name which is very similar to my own ). Because time is of the essence, I requested that IQ Data International provide the credit bureau documentation stating that I do not owe this debt, so that the item could be cleared from my credit report. I was told that they were unwilling to provide such documentation because the mistake was made by the credit bureau, and not IQDI. In addition, the person that I spoke with was EXTREMELY discourteous - bordering on nasty. When I then contacted XXXX, I was informed that the mistake was in fact made by IQDI, and that my only recourse was to dispute the items and wait for IQDI to respond, which could take up to 30 days. I was hesitant to file a dispute, as my lender informed me that this was viewed negatively, and further, waiting 30 days could delay closing on a mortgage and jeopardize my ability to complete the purchase of a home. IQDI should be accountable for fixing mistakes, particularly when they admit that their own internal records show that they reported incorrect information to the credit bureau, and they should be accountable for providing documentation of a reporting error when such documentation is requested by a consumer.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having insufficient funds when transactions were unauthorized I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX Subject : Request for Investigation and Removal of Negative Items per 15 U.S.C. 1681b To Whom It May Concern : I am writing to formally dispute certain negative items that appear on my credit report, as provided to me by XXXX. These items are not consistent with the permissible purposes for which information can be included in a consumer credit report, as outlined in the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681b. I am requesting an immediate investigation and the removal of these items, as they may be erroneous, unverifiable, or obtained without proper authorization. 
Disputed Items : [ Santander Consumer USA ] Account Number : XXXX. 
Explanation : This account does not meet the permissible purposes outlined under 15 U.S.C. 1681b. I have no record of authorizing the reporting of this information or of the accuracy of the negative remarks associated with this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I had went to see if I can get a quickloan just to boost my credit score alittle up, we got the application part when i realized I left my state id ( wallet ) in my car which they needed for the application once I gave them my id and they took my info I got a notification on my phone that my credit score dropped down 94 points, which I never authorized them to run my credit or never even got to that part, i called they're company and talked to mostly even department they've transfer me too and still nothing. The company is " XXXX XXXX  "
Product: Mortgage

Selene Finance has not sent monthly mortgage statements to me since XXXX of XXXX. I have called them several time in an attempt to resolve this matter. I am currently in an active bankruptcy. When I contact Selene Finance, I am told they can not communicate with me without a written letter from my bankruptcy attorney. My bankruptcy attorney has sent written communication as instructed by Selene Finance that " All correspondence be sent to me. '' Selene has not complied, stating that they have not received the letter and also each time I call, they give me a different email address to send the letter to. On XXXX XXXX, I received a " Motion for Relief from Stay ''. The motion stated " As of XX/XX/XXXX, Debtor is delinquent and owing from XX/XX/XXXX, each in the amount of {$1500.00}. Creditor has incurred attorney fees and costs as a result of the Motion, in the amount of {$1000.00}. The total delinquency to be cured is therefore {$2800.00}. '' Despite stating in writing, that I submitted payments of {$2000.00} on XXXX, XXXX XXXX check number XXXX, {$1300.00} on XXXX XXXX check number XXXX, and {$1500.00} on XX/XX/XXXX check number XXXX and providing copies of the cancelled checks, Selene proceeded with their motion. I was forced to pay a total of {$2800.00} to Selene Finance for payments the were made and their attorned fees. 
Since then I have received a Notice of Default on XX/XX/XXXX. XXXX for the amount of {$4700.00} and XXXX on XX/XX/XXXX in the amount of {$5300.00} inspire of making monthly mortgage payments. 
As of XXXX XXXX, I have not received any monthly mortgage statements from Selene Finance. 
I have placed calls to Selena Finance on XX/XX/XXXX, I was told by a representative named XXXX that there was no letter on file and draws given an email to forward the letter to. I called on XX/XX/XXXX at approximately XXXX, on XXXX XXXX I called Selene Finance and spoke with XXXX XXXX I was told they need a written request to send me all correspondence. 
I find it very ironic that Selene Finance can't send me monthly mortgage statements but can send me Notices of Default via U.S. mail.
Product: Bank account or service

Summary : I opened a credit card account with Bank of America for a balance transfer. It is 0 % interest for XXXX months as long as payments are on time. Every time I log in to pay my monthly bill, I 'm told that my account is frozen and I need to call an XXXX number. I am unable to pay my bill. 
Details : I registered on-line to pay my first bill ( I pay all my bills on-line ) and when I attempted to pay my bill I received a message that my request could not be completed due to the status of my account and was instructed to call an XXXX number. I called and was told that it takes 10 days for my account to become active and available for online bill pay. I paid that bill over the phone - I said {$50.00} and {$51.00} was submitted. Last week I attempted to pay my XX/XX/XXXX bill of {$50.00} XXXX pymt # XXXX on this account ) and several days later received an email that my payment could not be processed due to the status of my account and to call the XXXX number. When I called, I was told that the routing number for my institution has changed. It has not - I have had that account for appr 10 years. I now have a late fee on my account. The man I spoke with on this call said that I was misinformed, that it does not take XXXX days for my account to be active. He said he corrected my routing number in the system and that I had to wait for XXXX hours to pay my bill. I attempted to do that again appr XXXX hours ( just to make sure they had enough time ), and received the same message that my request can not be processed due to the status of my account and to call the XXXX number. I attempted to do that. When I finally got through the menu and was told to explain in a few words what I needed, I said, " Bill Pay '' and the next thing I heard was " Good-Bye '' and was disconnected. I called in again, got through the menu and this time simply asked for a representative, and was told that the call volume was high and my wait would be long and to go to the website. My late fee has now increased. This is a 0 % interest card as long as the payments are on time, and they are preventing me from paying my bill. Interesting scam.
Product: Debt collection

I reached out to NATIONWIDE CREDIT & COXXXX to request a contract or a an agreement in regards to the debt that they're trying to collect.. because I have never had a contract nor an agreement with them. They have not contacted me back.
Product: Credit reporting or other personal consumer reports

Experian Credit Bureau has continuously Defamed my character as well as violated my Consumer rights. I am, in good faith granting Experian one last opportunity to remove the derogatory information and provide me with monetary compensation by check in the amount of {$14000.00} dollars for defaming my character and violating my Consumer rights. 
In this complaint I have attached 1. Demand/Notice of Intent to Sue 2. Invoice for the violations in the amount of {$14000.00} dollars 3. Affidavit Of Truth 4. Proof of previous complaints in an attempt to resolve the Issue I am having 5. Credit report highlighting accounts and violations committed by Experian 6. Notice of Removal of accounts request Please note that although I have yet to Notarized the Affidavit of Truth herein, if your company Experian chooses not to honor my request in its entirety or at minimum negotiate, I will move forward with the process Notarizing the Affidavit of Truth and service it to Experian Via Certified Mail with a Return Receipt and commence a lawsuit against your company Experian for violating my Consumer rights.
Product: Checking or savings account

I have been an wells fargo client for a few years now. I have had MANY problems with this bank, BUT, since I am a foreigner and for a while my English was NOT the greatest and since I felt that as a foreigner I had to agree with all that was being presented to me. Now, after almost 20 years in this Country and my English being quite perfected, I SEE things much differently and I have decided to STOP the ABUSE i have been suffering from this bank institution. I feel that I have been taken advantage for not quite understanding ALL the writings and contracts. My limit has been reached when this past week, between my XXXX account and the above mentioned, I got charge with NOT 1, 2 or 3 NSFs, BUT about 6 and I called the bank to understand ( ONCE again! ) what was happening and I was told that this was the way was and no much more was explained to me and since I have had other NSFs, I would not be giving the courtesy of crediting those fees back ... For even a debit of {$5.00} ( after pilling up on fees my balance was not enough to pay those 5 ) I got charged {$35.00} ... It is extremely ABUSIVE and I feel that the snow ball never stops. I feel that the bank offers me the " courtesy '' of paying my " purchases '' even when I do not have a positive balance so they can CHARGE me over and over and over and create a situation from where NO one can get under of. It is ABUSE of POWER over someone who is quite simple.
Product: Credit card

Account was opened in XX/XX/XXXX. 
Bank is saying that the last payment is XX/XX/XXXX that 's wrong. The last time payment was XX/XX/XXXX, so this account should have been dropped off my report by now. It 's been 7 years.
Product: Debt collection

I have repeatedly asked LVNV Funding for proof that they own this debt. The original creditor is not reporting on my credit report. They have not been able to provide an assignment or any documentation that they are the owners of this loan. Please see attached email chain.
Product: Debt collection

I was going over my credit report FRAUDULENT ACCOUNTS and I seen unauthorized ACCOUNTS that are not accurate FOLLOWING ACCOUNTS ARE NOT MINE : CREDIT MANAGEMENT # XXXX, DEPT OF EDUCATION/XXXX  # XXXX, DEPT OF EDUCATION/XXXX  # XXXX, DEPT OF EDUCATION/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. They are in violation of FDCPA XXXX.
Product: Debt collection

Hi, I found out that there is judgement on my name by Midland Funding LLC. I was never served any papers or notified about this lawsuit or the judgement. I found out from my credit report. On doing some research I found out that your organization ( CFPB ) has sued them and their parent company. One of the action on them was to release or vacate all lawsuits that were wrongly filed. Is there a list somewhere I can look up if mine is there and how can I get the records corrected in the court, as this is public and hurting my credit. Can you help pointing me to some source where I can get help on this. Thank you for all your works for protecting consumers like me. We all ( consumers ) appreciate the work your organization does. Great work, Thanks again.
Product: Debt collection

This debt was originated in XXXX 2007. No payment was made on this account or towards this debt. The statute of limitations to report this debt to the credit bureaus has passed. A debt buyer purchased this debt and despite my requests for proof of last payment, and my disputes directly to the XXXX major credit reporting agencies, it still is being reported. The debtor buyer is LVNV Funding, LLC.
Product: Checking or savings account

XXXX XX/XX/22 I became a victim of an employment recruitment scam. One of my accounts was used to scam {$2100.00}. Once I realized what happened, I visited my nearest branch for help. After three days of bouncing from rep to rep, On Monday the XXXX I was able to speak with a branch manager. The branch manager informed me that all my US Bank accounts were frozen and would be closed and I should find another bank. I explained what happened, kept all documentation. He understood what happened, but said that US Bank could not risk this happening again and they no longer wanted my business. I have been a customer for 30 years and have never in my life had anything like this happened before. I was hoping to work out a way to repay the loss in a matter of a couple weeks, but that didnt matter. Even though, I am the victim, its my fault that I was tricked. So I have no problem stepping up and fixing it, even though it puts me in a really tough place with my mortgage and bills for the month. But, as of the XX/XX/XXXX I have no access to funds until my new bank account is setup and they send me debit/ATM cards and my next paycheck is deposited. No grocery, gas, utilities payments available. I am emotionally and mentally distraught from the scam and this response did not help. The branch manager at the US Bank location at XXXX  XXXX, MO was so uncaring, it brought me to tears. He made me feel like I was the scammer.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2019 there was a hard pull on my credit report by XXXX XXXX XXXX. i authorized ONLY a soft pull and was told by the representative that only a soft pull would be conducted and that it would NOT impact my credit score. 

please remove. 

thank you.
Product: Credit reporting or other personal consumer reports

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 

XXXX XXXX - XX/XX/year> - The following inquiry was not authorized and should not be reporting. 
XXXX XXXX  XXXX - XX/XX/year> - The following inquiry was not authorized and should not be reporting. 
XXXX - XX/XX/year> - XXXX following inquiry was not authorized and should not be reporting. 
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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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.

15 U.S.C 1681s-2 ( A ) ( a ) 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.