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

CIT Bank originally had XXXX online savings account called XXXX XXXX that advertised XXXX of the highest rates in the country. When interest rates increased late 2022, XXXX created a new savings account called XXXX XXXX that paid the new, higher rate of over 4 % while the original XXXX XXXX remained at the old, lower rate of 1 %. No effort was made by XXXX to inform current XXXX XXXX customers that they no longer receive XXXX of the highest rates in the country. I was XXXX of those customers. This week CIT Bank has once again created a new savings account called XXXX XXXX that has a higher rate than XXXX XXXX. Yet once again no effort was made to inform current customers of the potential higher rate they can earn. CIT Bank has purposefully deceived customers by creating new, higher rate products yet not informing current customers. Meanwhile they continue to falsely advertise their savings rate ( they do not specify any specific account ) is XXXX of the highest in the country. XXXX claims it is the customers responsibility to check their website daily for any new savings accounts. Unfortunately many remain in XXXX XXXX XXXX earning 1.00 % instead of 5.05 % advertised this day for the XXXX XXXX account. I consider this false and deceptive advertising that cheats customers by leading them to believe the savings account they are in will receive the highest rate advertised by CIT Bank. 

CIT Bank XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX
Product: Credit reporting

My identity was stolen in XXXX 2000 's. I have an open case with the department of justice and they have arrested the woman that opened accounts in my name. I have filled out an FTC Fraud affidavit and sent it to the credit bureaus however they have not done their jobs and removed XXXX items. 1. XXXX BANK 2. XXXX XXXX JUDGEMENT. 3. XXXX BANK. I Feel like Equifax is leaving these accounts on the credit report so they can make more money off of the negative reporting. This is not only wrong but very unethical and illegal. 
I have sent XXXX letters certified and the accounts are still showing. Attached are my documents and letters I have sent the credit bureaus. Please investigate and fine this company for violating my federal rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am asking that you simply instantly erase data off of my credit report that isnt mine. I have filed a police report stating that this account is not mine which my character may have been stolen which I have included with this letter. I don't recognize this account and have never caused obligation with this creditor. I don't know where they came from.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) for inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective 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 Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I noticed these fraudulent inquiries that I did not apply for are listed on my credit report, I am requesting them to be removed immediately these are as follows, XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I'm trying again to let you know that I'm a victim of identity theft and that I want to challenge some records in my file that were not lawfully obtained. The records I'm looking at have nothing to do with any ownership of any products, services, or money being acquired by me or my authority. If no one was interested in learning the truth, remove from my credit report any information that appears to have resulted from an alleged extortion or scam. 
XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Dear Transunion, This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : Made by : Factual Data Made on : XXXX Made with Transunion Made by : XXXX  XXXX XXXX XXXX on : XX/XX/2022 Made with : Transunion Made by : XXXX Made on : XX/XX/2022 Made with : Transunion Made by : XXXX XXXX Made on : XX/XX/2022 Made with : Transunion Made by : XXXX XXXX Made on : XX/XX/2022 Made with : Transunion Made by : XXXX XXXX XXXX XXXX XX/XX/2022 Made with : Transunion Made XXXX : XXXX XXXX Made on : XX/XX/2022 Made with : Transunion
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I contacted the creditor regarding the accounts on my file they have not removed nothing off my credit report the creditor agreed to remove and said they sent it to the credit breau XXXX I even sent in my identity theft FTC report and nothing has not been done at all
Product: Credit reporting or other personal consumer reports

I did not initiate the security freeze on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry XXXX XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry XXXX XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX XXXX of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX
Product: Credit card or prepaid card

I had several credit cards with XXXX XXXX that I paid off and planned to close most of them. After the cards were paid off, I received letters in the mail from XXXX XXXX showing my credit score and notifying me they were lowering my credit balance. 

I never gave Synchrony permission to run my credit, I never asked for a change in my credit line, and I do n't know what gave them the right to run my credit without my permission.
Product: Debt collection

I received a call from a company called XXXX XXXX XXXX XXXX XXXX saying that I owed for a credit card I never had. In our conversation abusive language was used as well as threats. I couldn't get a word in to explain the situation. 
the amount of this fraud was {$1200.00}
Product: Payday loan, title loan, or personal loan

On XX/XX/2021, I applied for a loan through LendingTree.com. ( THEY are not the issue/problem. ) When doing so, I received multiple emails from different " banks '' stating my application/info has been approved. I clicked on the email that I received from " LendingTree '' and move forward with the process. I began to get emails and text messages from the Loan Officer, XXXX XXXX, who walked me through their process in order to have the {$5000.00} deposited into my checking account. I unfortunately gave them my login and password for my bank account. They then said that they had to 1st deposit {$1400.00} into my bank account, which would increase my credit score. I would have to then pay them back that amount immediately and then they would deposit the {$5000.00} into my account. When I contacted them about the {$1400.00} being deposited, they told me that I had to pay it back either using the XXXX XXXX or by purchasing XXXX XXXX XXXX. I immediately told them I was not comfortable with moving forward with them, and I contacted a rep at LendingTree.com this morning, XX/XX/XXXX. I explained to the rep what had happened and she tried to pull my email address up to see if 1 of their banks was working with me. No surprise, she couldn't find anything! She walked me through what I needed to do to be certain the scammers wouldn't be able to mess with my bank account any further. I sent the rep at LendingTree.com my emails, texts and documents that I have received by the scammers. 
As of now, the {$1400.00} is still in my bank account that the scammers deposited.
Product: Debt collection

I received a letter from National Credit Adjusters ( attached ) on XX/XX/2020 ( despite it saying it was sent on XXXX ). I contacted the collection agency on the same day. The letter clearly advises payment must be made by XX/XX/2020. This is a classic example of " overshaddowing '' as the agency is attempting to force me to make payment within the validation period or lose out on the opportunity to save money by settling. 

Further, I do not owe this debt, I do not know what this is for and dispute it in its entirety. I have forwarded a copy of the letter to my attorney.
Product: Consumer Loan

EXPERIAN is still reporting a CREDIT CARD/LINE FROM XXXX 
Account Number XXXX Account Type Unknown Terms Revolving Date Opened XX/XX/XXXX Account Status Closed Payment Status Unknown Payment Status Details Account transferred to another office Status Updated XX/XX/XXXX Balance
Product: Mortgage

We have a mortgage loan with Freedom Mortgage, Loan # XXXX. Their property tax department number is XXXX. 

Our property was re-assessed in error by XXXX XXXX XXXX Tax Assessor. We have spent months working with the Tax Assessor 's office to get this resolved. It now is fully resolved with the Assessor 's office. They sent refunds for excess property tax payments for the years XXXX and XXXX to our home and we cashed those checks. 

For the year XXXX, though, they sent the refund to Freedom Mortgage, through their property tax company, XXXX XXXX. This refund of {$3200.00} was sent out on XX/XX/XXXX. The payment cleared the bank on XX/XX/XXXX. 

I have called or emailed Freedom Mortgage at least 10 times over the last 71 days to figure out what exactly was holding them up from posting this refund to our escrow account or issuing us a repayment of the taxes by check. 

They take messages, and I have been promised twice now that this would be resolved, but it is XX/XX/XXXX and they still say it is in the escalations department and they have not posted this balance to our account. 

I have a receipt of the payment from the XXXX  XXXX XXXX XXXX, which I sent along to Freedom Mortgage, but still nothing. 

This company is shady and disreputable. They have not given me any timeline for resolution of this complaint.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies and my credit report. Despite my submissions, XXXX responds within XXXX hours stating the account is accurate without providing any evidence of a thorough investigation. This practice violates the fair credit reporting at ( FCRA ) XXXX XXXX. XXXX, which mandates A reasonable investigation of disputes. XXXX actions may also contravene the Consumer Financial Protection Act ( CFPA ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, as highlighted in the CFPB 's recent administrative proceedings ( file no. XXXX ) against them for similar violations. At the CFPB take action to ensure equal fives complies with the federal law and provides consumers with the necessary proof of investigation.
Product: Student loan

My student loans are held by Mohela. Through the PSLF program some of my student loans were forgiven on XX/XX/year>. I continued to make payments as the forgiveness did not immediately show up on my account. It was written on the website that payments should continue until the forgiveness was processed and any overpayment would be applied to other outstanding loans I had with Mohela, and if there were none then I would receive a refund. I have over paid Mohela by {$1300.00}. I have called them multiple times to ask why they have not applied my refund to other loans or sent me a refund directly. On their website it sys they may take up to 90 business days to process the refund. It has been well over 90 business days. I still have some other outstanding loans that mohela has transferred to their new website. These loans are still being charged interest. The original website still shows a negative balance of - {$1300.00}. The amount I overpaid. I called them again to ask about this money they owe me. They told me it's still being processed. I asked them why it has been over the 90 business days that their website states is the maximum processing time and they told me sorry it is still being processed and put me on hold multiple times.
Product: Checking or savings account

Not sending my bank info to my  XXXX  account app
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were 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 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 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 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 card or prepaid card

I opened this credit card in store in XXXX and never received it until i had called and they told me charges were made. They did a whole refund on everything and a new card was issued. However, I cut the card up immediately after recieving it never used it and yet charges are still being made through this account. Its completely jacked up my credit score and i dont know how else to go about this situation! Please help
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX, XXXX XXXXXXXX XXXX XXXXXXXX Balance : 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 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 or other personal consumer reports

Re : Request for Removal of Unauthorized Inquiries under Section 605B of the FCRA Dear XXXX, Equifax, and XXXX I am writing to request the removal of several unauthorized inquiries from my credit report, as I believe these inquiries are the result of identity theft. This request is made under the provisions of Section 605B of the Fair Credit Reporting Act ( FCRA ).

I have recently reviewed my credit report and found inquiries that I did not authorize. I have never initiated business with these entities nor have I given my consent for these credit checks. The unauthorized inquiries are as follows : XXXX Inquiries XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX ( Bank ) XX/XX/XXXXXXXX XXXX XXXXXXXX  ( Finance ) XX/XX/XXXX XXXX XXXXXXXX XXXX ( XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXXXXXX XXXX ( Finance ) XX/XX/XXXX Equifax Inquiries 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 Enclosed, please find a copy of my FTC identity theft report and proof of my identity ( such as a copy of a government-issued ID ). Under Section 605B of the FCRA, I request that these inquiries be removed from my credit report as soon as possible.

I also request that you send me a written confirmation of the removal of these inquiries and notify me if any of these inquiries are subsequently re-added to my credit report. 
Thank you for your prompt attention to this matter. 
Sincerely,
Product: Credit reporting or other personal consumer reports

In XXXX of the year XXXX the company JP Morgan Chase violated my customer rights first by providing inaccurate information and transactions to reporting agency XXXX XXXX XXXX without giving me notice or the opportunity to opt out of the sharing of my nonpublic personal information. I reported to the company the theft of the card linked to the account over the phone and in person at the branch. The company reported " checking account fraud '' to the reporting agency and refused to re open the investigation making an attempt to make me liable for account. I suffered a loss of assets due to this companies negligence. I have my consumer report as proof of claim. This is a violation of Privacy Act of 1974 ( 5 U.S Code 552a ) No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains. The Fair Credit Reporting Act ( 15 U.S Code 1681a ( 2 ) ( i ) rules of construction ) explains, Except as provided in paragraph ( 3 ), the term consumer report does not include report containing information solely as to transactions or experiences between the consumer and the person making the report. ( 15 U.S Code 1681b ( a ) ( 2 ) ) says, Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. The furnishing of this inaccurate information also violates The Gramm-Leach-Bliley Act ( 15 U.S. Code 6801 ) - Protection of nonpublic personal information as well as ( 15 U.S. Code 6802 ) - Obligations with respect to disclosures of personal information. ( 16 CFR Part 313 ) -PRIVACY OF CONSUMER FINANCIAL INFORMATION and ( 12 CFR 1005.6 ) - Liability of consumer for unauthorized transfers.
Product: Checking or savings account

Bank of America on two separate occasions opened an account with my information without my permission. I have no history of any accounts with them and have never applied for an account. The account was applied for using an old address, oXXXX I have not lived at since XXXX. 

Occurrence one : I received an email that an application was approved on XX/XX/XXXX for a Bank of america XXXX XXXX balance banking account. I reported this to their fraud divisions and the account was closed. 

Occurrence two : I received an email that an application was in progress and then approved on XX/XX/XXXX for an XXXX XXXX balance banking account. I contacted them to close the account and report the fraud but I still received mail and email communications with them. 

The account has no deposits made on my behalf but it has not been closed and looks like no one is using it for fraud activity. I have not attempted to log in to the account at all.
Product: Student loan

When I first began school, I financed my education partly through personal funds and some federal aid. Initially, I had to take out a loan because I didn't receive grants, and I wasn't able to work due to my mother 's medical issues, combined with being a full-time student. I reached out to Mohela, explaining my situation and expressing concern about repaying the loans. They assured me that my loans might be forgiven, alleviating my worries. 

In XXXX, I contacted Mohela again, as my loans hadn't been forgiven yet. They claimed they had no record of my previous contact, but acknowledged my circumstances and promised to pursue forgiveness. 

Fearing further debt, I worked full-time to finance my education while juggling full-time studies and caring for my mother, who was battling XXXX. 

Furthermore, it's crucial to address the impact on my credit score. Mohela assured me that the loans wouldn't adversely affect my credit, yet they have had a significantly negative impact. Therefore, in addition to loan forgiveness, it's essential for measures to be taken to rectify the damage done to my credit rating. 

In XX/XX/XXXX, shortly before XXXX I reached out to Mohela for the third time. Despite delays in their response, they confirmed my loans were forgiven, acknowledging the challenges I faced. 

However, on XX/XX/XXXX, I received a letter demanding loan repayment, scheduled to begin next month. This poses a significant financial burden as I'm unable to afford these payments, given my current situation.
Product: Debt collection

Hello, this is regarding a medical bill debt. I was just informed of  XXXX  debts I owe to Crme financial services. These debts were taken care of to my knowledge in  XXXX . I never received anything to say otherwise and when I did I paid the bills. Moreso crme informed me I still have debts from  XXXX . The statue of limitations is 4 years ... on my credit report it says opened  XXXX   XXXX  and placed in collection  XXXX   XXXX  however I was not notified ever of any outstanding bills with crme.