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

I had money stolen out of my account and they've yet to put it back they said they investigated and they come to the conclusion that I was the one that took it but that's not true the reason it's not true that it's supposed to have a two-step verification on money transfers and I never transferred any money or did anything
Product: Credit reporting

XXXX XXXX XXXX has posted a collection account with XXXX XXXX XXXX XXXX Acct # XXXX for {$280.00} for a home insurance policy that was canceled and property was covered by another insurance company. Sent them proof and still no response. How can I be charged for a policy that is not active at the time. I am attaching the complaint letter I sent them. This collection has effected my credit rating. Please help remove this collection.
Product: Mortgage

My family and I live in insecurity, which apart from our economic situation we have been facing since 2007 by the economic crisis that I hit us, we have used various means such as law offices, offices that meet mortgage problems, deal directly with the XXXX XXXX XXXX and it 's all the same bank fraud treatment calcularnos As we won without being certain to reach a payment at your convenience, we have been going from bank to bank and are today with green tree, my house cost 400K and today day no 260K worth more, the last lawyer who seek told us that there was a mortgage fraud because there existed the original mortgage note among other irregularities at the time of sale, but wanted 15,000 dollars to help eight years later I have not solved anything and if XXXX XXXX intentions on the part of banks and could have been a solution to this problem. Our little XXXX does not allow us to clearly understand the process and we are afraid to take any decision. May XXXX have mercy on our family.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX. XXXX XXXX XXXXXXXX - XX/XX/2024 XXXX. XXXX XXXX XXXX XXXX - XX/XX/2024 As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and EXPERIAN has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted both the collection agency XXXX XXXX XXXX XXXX. and the creditor, ( XXXX XXXX ). The creditor investigated and then sent me a letter stating that this NOT my debt and will inform the credit bureau 's to delete this account, however EQUIFAX refuses to delete this account in spite the request to delete the account from the collection agency, which was also sent to them on XX/XX/XXXX, and me faxing them the same letter clearly resolving me of this debt from the creditor twice, once on Tuesday, XX/XX/XXXX and again on Thursday, XX/XX/XXXX. To this date,XX/XX/XXXXEquifax continues to say they have not received any contact or information from the collection agency and they can not use the information that they have finally received from me until it is " verified '' and that they are still investigating a dispute sent by me, I only requested one dispute and they state it has since been resolved and that it is still my debt. I do n't understand what they are still investigating when there is clearly nothing left to investigate, this is unjust, and unfair and this account needs to be deleted immediately. I have also filed a fraud report with the FTC
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing and is refusing to remove the listed items. Please help me delete these illegal accounts and inquiries listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX MORTGAGE SER XXXX XXXX XXXX XXXX XXXX XXXX Thank you, XXXX XXXX
Product: Checking or savings account

I called BofA because they erroneously denied my wellness incentive from XXXX. XXXX does not require any documentation for the reimbursement. They told me the issue would be resolved by now previously. However I looked on my account and there is a negative balance on my account. I called back, they put me on hold forever, then the agent hung up on me almost immediately once i did get through because it took a couple seconds for me to get off mute - i guess they thought it was a false call. 
There is no way to contact the bank electronically. The chatbot is an XXXX XXXX and can not resolve issues. there is no email. This makes it virtually impossible to resolve issues and access my funds. This is unacceptable.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern and frustration regarding the ongoing dispute with Experian regarding inaccurate accounts on my credit report. Despite providing evidence and documentation proving that these accounts are not mine, Experian has failed to take appropriate action within the designated timeframe. 

It is alarming to note that Experian has exceeded the additional 30 days they requested for investigation without providing a resolution to this matter. This prolonged delay is not only detrimental to my creditworthiness but also has severe implications for my financial stability and overall quality of life. 

I want to emphasize the seriousness of this situation. By allowing these inaccurate accounts to remain on my credit report, Experian is not only violating ethical standards but also infringing upon my rights as a consumer. This is a clear violation of industry guidelines and regulations, and it is unacceptable that Experian is not complying with the same standards they impose on others.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was lured into a free credit reporting service with Transunion. They made it impossible to opt out of the signup flow during the process and before I knew it I had opted into a monthly subscription with no way to confirm or cancel my order. I immediately canceled my subscription ( within 2 minutes ) but was unable to cancel my first month on their online system even though I DID NOT WANT TO PAY FOR IT. I have emailed them multiple times to address this problem and request that they refund or cancel my first {$25.00} charge that they extorted in a very sneaky signup flow. They refuse to address any issues via email and are not responding to my requests.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair Credit Reporting Act. 

The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX  Account : Account : XXXX Account : XXXX, Account : XXXX. 


15 U.S.C 1681 Section 602 A. States I have rights 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 items of information, other than records of conviction of crimes which antedates the report by more then seven years.

25 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to Consumer Reporting Agency if person knows or has reasonable cause to believe that the information is inaccurate.
Product: Payday loan

Nearly seven years ago I received a collection letter from speedy cash. I paid this loan in full and never received the credit. To this day it remains on my credit as a collection / default and provents me from leading a normal life when it comes to banking. After several civil requests for proof that the debt is still outstanding I was told that they are not required to provide proof and only want the debt paid again plus penalties before they consider removing. The amount I paid was the loan amount plus nearly XXXX percent interest and now they want another XXXX percent?
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX  the ambulance ride was paid by my insurance of XXXX $ to the XXXX XXXX county fire department under the alias XXXX XXXX. This collection agency is double billing. Cmre financial services Inc address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I am writing to file a formal complaint against First National Bank of Omaha Fraud concerning their inadequate investigation of fraudulent activities on my credit card account, ending XXXX. 

On XX/XX/year>, I reported several unauthorized transactions totaling {$12000.00} on my account. Despite providing detailed information and supporting documentation, my fraud claim was unjustly rejected on XX/XX/year>. I believe the investigation conducted by First National Bank of Omaha was insufficient and did not consider all the evidence provided. 

Here are the details of the fraudulent transactions : See the attached Statement with highlighted transactions.

I have attempted to resolve this issue directly with First National Bank of Omaha by contacting their customer service on XX/XX/year> and escalating to a supervisor on XXXX, but no satisfactory resolution has been reached. 
According to FBNO, the card was used online and not in person, and you can ask for the recording of the conversation between me and FBNO and based on that they are investigating that it was valid charge. I called some of the merchant and here is the reply I received : Transaction Date XXXX : XXXX XXXX XXXX XXXX According to the resort manager, there was no reservation on name of XXXX XXXX XXXX The card was charged but no one checked in. But the resort is not willing to pay the {$160.00} as someone used the card in person. This transaction was done in XXXX. 
Transaction Date XXXX : XXXX XXXX XXXX for {$220.00}. This is XXXX XXXX, XXXX and somebody used in person card to buy liquor. According to the airport they dont check the identity on the card but only check the passport. 
Transaction Date XXXX : XXXX XXXX for {$300.00}. This was in person charge to buy a XXXX watch. I used an XXXX phone and I have never used XXXX phone or any accessories. 
The above investigation was done purely by me by contacting the merchant. I have requested copies of investigation from First National Bank of Omaha, but they denied it which makes it very clear that they didnt perform the investigation. 

I request that the CFPB review this matter and assist in ensuring a fair and thorough investigation of my fraud claim. Enclosed are copies of all relevant correspondence and documentation related to this issue.
Product: Credit reporting or other personal consumer reports

DEAR, EQUIFAX I WOKE UP TUESDAY, AND PULL MY CREDIT REPORT JUST TO CHECK MY CREDIT. I THEN REALIZED. I HAVE BEEN A VICTIM OF A CRIME... PLEASE HELP ME REMOVE AND DELETE THIS FRAUD ACCOUNT FROM MY CREDIT REPORT. PA XXXX XXXX XXXX XXXX IS THE FRAUD ACCOUNT OPEN IS XX/XX/2022 PA XXXX XXXX XXXX XXXX IS THE FRAUD ACCOUNT OPEN IS XX/XX/2022
Product: Credit card

I recently open a Chase Slate card and for two months never received my statement or credit card. Each month I called and had a representative take the payment. Last month I again did this, second time since I had the card. The representative stated that it would be waived and the credit would appear on the next statement. Note that the late fee was waived once before due to not receiving a card or statement. I went to pay my bill tonight and the {$27.00} charge is still on the bill. After talking to a representative and escalating to a supervisor I was told that I never spoke to a representative and used the automated system. Even though the payment was made on the due date since it was made at XXXX it did not post in time. The problem is that in order to use the automated system I would need an account number which I did not have. I never used the automated system. They have refused to waive the {$27.00} as promised by the representative last month. I have been with Chase for 13 years as a mortgage customer and recently paid off my mortgage in full. The {$27.00} is not the issue here, it is the principal of the matter. Chase must be held accountable for their word. I have lost total consumer trust in what any of their representatives say and tonight they basically called my a liar. 

XXXX XXXX.
Product: Checking or savings account

Scam. They offered {$300.00} to open an account, but you have to make XXXX direct deposits within 90 days. They knew that there is a large enough delay in social security direct deposit changes that it is impossible to get XXXX in 90 days. 
They have changed this now to XXXX direct deposit in in 90 days. 
I closed my account when I realized I wasnt going to get the {$300.00}. I opened my account in XX/XX/XXXX. When I immediately tried to switch my direct deposit to the Truist account SSAs website it told me the first direct deposit couldnt be made until XX/XX/XXXX. 
I then noticed Truist had changed the offer to require only XXXX direct deposit. I suppose they realized their scam. 
I think they knew this would not work out. Its a clever scam to do on people that have never attempted to change accounts on XXXX. 
I believe they should reimburse anyone they may have burned by this and didnt get their {$300.00} or had any service charges because of it. It just wasnt good faith and their recent change proves that they know they were taking advantage of people.
Product: Credit reporting or other personal consumer reports

XXXX XXXX - XXXX I am the agent XXXX, XXXX : for the Principal XXXX XXXX making an attempt to opt of reporting services for the XX/XX/XXXX Account Number XXXX with Experian. The Fair Credit Reporting Act or 15 USC 1681 section 602 states There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Experian is a consumer reporting agency and I am the consumer, a natural person. As the consumer, I have the right to ensure my private information is not shared pursuant to 15 USC 6801. 15 USC 6801 states that It is the policy of congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers nonpublic personal information. In this case, XXXX XXXX is a financial institution by definition in accordance with 15 USC 6801.

15 USC 1681 section 604 ( a ) section 2 references In general Subject to section ( 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. XXXX XXXX who is the financial institution and the consumer reporting agencies reporting on this account ( Experian ) DOES NOT have my consent to furnish this information or my written consent. Any and all consent to Experian and XXXX XXXX whether verbal, non-verbal, written, or implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that A financial institution may not disclose non public financial information to a non affiliated third party unless the consumer is given an explanation of how the consumer can exercise that non disclosure option. XXXX XXXX has never informed me or notified me of my right to exercise my non disclosure option. 

Additionally, 15 USC 1681C ( a ) ( 5 ) states Except as authorized under subsection ( b ), 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. This account is in fact an adverse item they are reporting without my permission which is against the law. 15 USC 1681s-2 ( A ) ( 1 ) states that 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 information is inaccurate. Furthermore, 15 USC 1681 ( e ) states that Every customer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Public Law 90-321 expounds on Title 15 Section 1681 and states consumer credit should only be pulled for Child Support provisions. Finally, pursuant to 12 CFR 1016.7 A consumer may exercise the right to opt out at any time. I am opting out of your reporting services.
Product: Student loan

I have been working in   XXXX   jobs for close to 4 years now. I have also been working to pay off my federal loan through th e Public Service Loan Forgiveness Program. I first  submitted 6 months cert ification ( out of 1 year employment )  to request credit for 6 months of payments and enrollment in the PSLF program. I initially was sent a letter saying the certification was valid and I would receive 6 months of credit for the one year I worked in my first   XXXX   job. I then transferred to another  XXXX  agency where I have been for almost 3 years. In those nearly 3 years, I have submitted yearly certification to show I am in the PSLF program, making on time Income Based payments and working toward the 10 years of service and payments before loan forgiveness. The Fed Loan company ( My Fed Loan ) routinely does not recognize these certifications, or says I have not submitted them, and does not accurately reflect the over three and a half years of payments that I have made in the PSLF program. I am concerned that they are not honoring the work I am doing or the payments I am making. I again submitted another certification this month, to which they responded that they had not received anything and to please re-certify every year. It is a pattern that they continue to exhibit which shows to me that the PSLF program is not being run properly. I also do n't make very much money and the payments they are taking are nearly 1/4 of my total income. I am struggling to adjust to their most recent increase from {$490.00} to {$700.00}. I am a single parent putting a child through college and working in a relatively low paying public service job. Any assistance the CFPB can provide to remedy these issues would be appreciated.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to file a formal complaint against Equifax regarding their handling of my credit report dispute. My name is XXXX XXXX, and I have been experiencing difficulties with Equifax in resolving inaccuracies on my credit report. 

On XX/XX/year>, I submitted a dispute to Equifax concerning several fraudulent items on my credit report. However, I received a response from Equifax stating that they were unable to locate a credit file in their database with the identification information I provided. Equifax requested additional documents to verify my identity and current address. Despite providing the necessary documents as requested, the issue remains unresolved. 

The documents requested by Equifax were : Identification : A copy of my Social Security Card. 
Current Address : A copy of my Driver 's License. 
I have enclosed these documents with my correspondence to Equifax but have not received a satisfactory resolution to my dispute. The lack of response and resolution from Equifax has caused me significant inconvenience and stress, as the fraudulent items on my credit report continue to affect my financial standing and creditworthiness. 

I kindly request that the CFPB intervene in this matter to ensure that Equifax properly processes my dispute and corrects the inaccuracies on my credit report in a timely manner. I am seeking a prompt and fair resolution to this issue. 

XXXX : Account number : XXXX, This accounts name and number are questionable. I demand this to be removed. 

XXXX XXXXXXXX : Account number : XXXX, This accounts name and number are questionable. I demand this to be removed. 

XXXX XXXX | XX/XX/year> : Account number XXXX XXXX, I have not requested a inquiry for credit from this company. Delete this inquiry immediately. 

Thank you for your attention to this important matter. Please let me know if there are any additional details or documents required to facilitate this complaint. 

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

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. 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 an account without my written instructions
Product: Student loan

Over a month ago I called to have a payment refunded hand have heard nothing in that time. That is ridiculous.
Product: Debt collection

Experian has received an identity theft report on XX/XX/year> on XXXX XXXX. XXXX XXXX have also received the identity theft report with an affidavit of truth details the laws that have been broken as a consumer. As of XX/XX/year> Experian has continued to furnish this information while allowing prior information to validate the account prior to the FTC identity theft report being received with proper dispute verbiage and Identity validation. Experian has not done a proper investigation ; these accounts are due to identity theft. Experian has led me with false information numerous of times. Experian claims that their company policies are above federal laws like 15. U.S. code 1681c-1 or 15 U.S. code 1681s. They have not followed the FCRA laws fully. the information grain technologies have furnished on my consumer report does not relate to any transaction ( s ) that I have made. It is the result of identity theft. it has caused me financial hardship and mental anguish. please help me with this matter Experian does not respect my consumer rights.