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

These accounts don't belong to me. Please remove them form all XXXX credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX/XXXX  XXXX XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft US SM BUS ADMIN ODA Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

5. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 
6. Identity Theft BK OF AMER Account Number : XXXX This is not mine. 

7. Identity Theft XXXX  XXXX Account Number : XXXX This is not mine. 

8. Identity Theft XXXX Account Number : XXXX This is not mine. 

9. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

10. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.
Product: Checking or savings account

In opening an account with Atlantic Union Bank in XXXX, XXXX they defaulted the setup to send a paper statement and charge a {$2.00} fee for the statement. This was not disclosed at account opening. It feels like a hidden fee is being charged. It would be so simple to default to a free electronic statement and then if the customer wants a paper statement, they can request it and be notified of the fee. At no point during the account opening process was I told I was being enrolled in paper statements, so even with the generic fee disclosure provided, I had no way of knowing I was enrolled in this service.
Product: Checking or savings account

My daughter had a closed court ordered bank account and this agency put a XXXX XXXX on my XXXX  account because I signed as an adult for a minor. This was her account not mine. It is an account for her when she turns XXXX. I no longer have an account with XXXX XXXX at all. This savings was hers and not mine
Product: Credit reporting or other personal consumer reports

I send equifax and letter on XX/XX/XXXX as of XX/XX/XXXX I have not received any response
Product: Credit card or prepaid card

On XX/XX/XXXX, I received an XXXX  XXXX XXXX Bank of America credit card. I never applied for this card and immediately called Bank of America ( BofA ) to alert them to the fraudulent activity. As of yet, the hard inquiry associated with this card is not removed from my credit and there is a {$75.00} balance due for the card 's annual fee. This is not yet removed because BofA states they are still investigating the fraud claim. The balance is due XX/XX/XXXX. While normally, I would believe BofA would resolve this issue promptly, I have reason to worry otherwise. 

This is the second fraudulent card to our household ( same type ) with the first being in XX/XX/XXXX ( to my husband ). This was reported upon receipt of a welcome email and no card was issued, but even after 5 months, the hard inquiry is not removed from our credit. We have two letters from BofA saying that they do not believe it was fraud and will not be removing it ( dated XXXX and XX/XX/XXXX ). This is despite a XX/XX/XXXX resolution letter to a CFPB complaint on the matter ( XXXX ) and a XX/XX/XXXX letter stating it would be removed. We are past the 90 days the response stated it would take and when we spoke to XXXX on XX/XX/XXXX, they stated they have no record of the removal request and I need a letter from BofA stating that it is OK for XXXX to remove it. We finally spoke with someone at BofA on XX/XX/XXXX who said BofA has to request it and they do not know why it was not processed promptly, but would submit it to XXXX as well as sending us a copy. As of today ( XX/XX/XXXX ), we still have not received that letter. 

As of today, we are told the account is closed. We were also told that we would not be responsible for the {$75.00} charge. However, we have not received any documentation, yet that BofA agrees this account is fraudulent ( although today we were assured we would receive a letter soon ). Given our previous experience with BofA and ~100 hours of contradictory phone calls to multiple departments where no one department wants to take responsibility for processing these claims, we are concerned that this may happen again with this case.

Over the past two weeks, we have tried several times to contact the Regulatory Complaints Resolution Specialist from the CFPB complaint response ( XXXX XXXX, XXXX XXXX ) and the Executive Response Team number we received ( XXXX at XXXX XXXX ). Neither of those response numbers have returned our calls in the past 3 weeks. 

It is frustrating to have a company issue two fraudulent cards to the same last name and same address ( same card type too! ) and then make it a many-hours exercise to try to get any resolution.
Product: Credit reporting or other personal consumer reports

The company mailed me a letter stating. 

After reviewing your correspondence, we are unable to process your request because we were unable to determine the nature of your request or your request was illegible.
Product: Checking or savings account

On XX/XX/2023, i transferred {$1000.00} to my son using my XXXX on my online account and as at XX/XX/2023 the money has not been received by my son. I called the bank ( Capital One Bank ) to ensure he receives the money and could not be given reason why my son did not receive the money. I was only given reasons why money sent by XXXX could be held. I requested a cancelation of the transaction and money refunded into my account and was advised to reach out to the corresponding bank. I told them i have no business with the corresponding bank and would want my money refunded to my account and they stated they will have to do some investigation which could take XXXX days. This is not acceptable to me because the number of days is too long and want my account credited for what was taken out of my account and let them sort it out with XXXX. I am not happy with this and i consider it an abuse of our contractual obligation. Going forward, i need my money refunded with interest and a letter of apology. 
My account # is XXXX and the routing # is XXXX
Product: Mortgage

I have submitted several complaints now. 

Please see the most recent one. 

This company continues to try to collect on months that were approved for forbearance. 

In fact their response to my XX/XX/XXXX states the following 1. Forebearance was extended through XX/XX/XXXX ( this means the first payment was due XX/XX/XXXX ) 2. Im overdue from XXXX XXXX Both of those things clearly can not be true My XX/XX/XXXX complaint was about exactly that- they are trying to collect on XXXX. 

How can I be both approved for an extension making the first payment due XX/XX/XXXX and also be overdue since XX/XX/XXXX? Both can not be true. But in the response to my XX/XX/XXXX the company again states XXXX. My forbearance is extended through XX/XX/XXXX XXXX. Im overdue on payment from XX/XX/XXXX Again both can not be true. 

This company just straight up lies. 

My next move after the reply to this current complaint will not be to file yet another complaint but rather yo get legal representation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear XXXX After reviewing your response to my dispute letter of charge-off account. You didnt do a investigation on the account : Capital One I have received additional relevant information for you to fix this inaccurate charge-off account. I understand that you quoted the law in your letter you sent to me. The FCRA also states that I have the right to dispute inaccurate and incomplete information. For the fifth time, Im asking you to do a reasonable investigation and fix this problem. If you choose to ignore my dispute, when I have provided new and relevant information according to the FCRA, I will have no other choice but to escalate this matter and file complaints with the XXXX, attorney general, attorney general in your state, Consumer Financial Protection Bureau, Justice Department, Office of Comptroller of Currency, Consumer Action, Consumer Federation of America, Division of Credit Practices, Advocates for Fair Credit Reporting.

1. You must assume that my dispute of this information is valid unless you have evidence that states otherwise. Do you have this evidence? If not, and you dont investigate, then you are being non-compliant. 

2. I have provided you further information on this dispute and, as a result, you must investigate and, if you choose not to, then you are non-compliant again.

These actions are all violations of the FCRA. Every month you choose not to investigate this matter, my character is being damaged.

Im carefully tracking all correspondence with your company. 

I think 30 days should be long enough for your company to complete this investigation. 

Sincerely, XXXX XXXX XXXX
Product: Student loan

I had a loan with XXXX, that transitioned to Aidvantage. A payment I had made right before the transition is not being reflected See the timeline : XX/XX/XXXX : Payment of {$23000.00} made to XXXX Loan XX/XX/XXXX : Funds Removed from my Bank account XX/XX/XXXX : No longer have access to XXXX details, Loan transitioned to Aidvantage. 
XX/XX/XXXX : Given access to Aidvantage. The payment of {$23000.00} was not reflected in the balance. I saw notes saying it could take up to 90 days for recent payments to be reflected. 
XXXX : I occasionally checked in via chat to see if there was an update, they said it was in process. 
XXXX XXXX : I contact Aidvantage to ask where my payment is. They said they dont see anything and they would research. I was given a due date of XX/XX/XXXX. 
XX/XX/XXXX : I check in with them. I was told it was actually 7-10 business days. 
XXXX XXXX : I contact them again. I was told they would not update the balance until XXXX sent the funds to them. They then asked me to contact XXXX myself. 
XXXX : I call XXXX multiple times. No answer. There is no email and I cant access any details on my old account. There is a callback option, saying about 85 min wait. I get no callback. This is done about 3 times total. 

Note : I have made my normal auto debits since then, plus two additional payments of {$15000.00} and {$5400.00}. 

I dont believe that Aidvantage XXXX appropriately contacting my loan provider to work out whatever payment they need from XXXX and have given up. I asked if I could provide any proof of this payment and was not given a way to. I dont believe I will be able to talk to anyone at XXXX XXXX well.
Product: Money transfer, virtual currency, or money service

I contacted Wells Fargo regarding a deposit that was made for a check which was made payable to both myself and my mortgage company XXXX by XXXX XXXX for mold damage rebuild to my home at XXXX XXXX XXXX XXXX XXXX, GA. The check was deposited by a third party into the ATM at Wells Fargo. The check was made payable to myself XXXX XXXX and XXXX XXXX. The check was deposited without the endorsement from XXXX. I contacted the bank along with the depositor XXXX XXXX to have the check returned unpaid. When the bank was contacted about the error in the deposit they refused to return the check to XXXX XXXX marked unpaid so a new check can be issued to complete the rebuild for my home. The check shows " processed '' on XXXX XXXX XXXX side so they will not issue or recall the check until proof is provided that the check has not been honored. 

Several attempts have been made to resolve this issue with the Resolution Department for Wells Fargo and I was advised by them to go with XXXX XXXX to a Wells Fargo branch and a letter would be given to me that provides proof that the check will be returned unpaid. After several attempts that has not been done. XXXX XXXX will not issue a new check until the old check is either returned to them or proof provided that the check has not been cashed. 

I am in HOTEL and can not move forward with the rebuild of my home without the funds that payment has been retuned. I have XXXX claim number for the Resolution Department for Wells Fargo, they are XXXX XXXX I have been told on XXXX separate occasions that the only thing that needed to be done was for me to go with XXXX XXXX to the bank and a letter would be provided which proves that the check has not been cashed. Without this information, I am still displaced and living in a hotel because repairs can not be made without the check from XXXX XXXX. 

Please help!!!
Product: Credit card

I am filing this complaint to bring to your attention the egregious mishandling of my Walmart credit card by Capital One, which has caused significant disruption to my finances and daily life. On a recent occasion, I attempted to make a purchase of {$200.00} at a Walmart store, only to have my card declined XXXX times. The first denial message from the terminal stated that the issuer declined the transaction, and the second and third attempts revealed that my account had been closed. This was alarming, as I had not been notified of any closure or issues with my card prior to this incident. I immediately contacted Capital Ones customer service, where I was falsely assured that my Walmart credit card was fully operational and active, despite my experience proving otherwise. Capital One failed to inform me about a product change they had initiated, and instead, falsely claimed my card was still usable. When I pressed further, they admitted to this product change and stated that a replacement card would take three weeks to arrive, effectively leaving me without access to necessary credit. Their failure to communicate this important information and the conflicting messages I received at the Walmart terminal not only resulted in a ruined transaction but also undermined my trust in the company. This was a clear breach of our cardholder agreement and has caused significant financial and emotional distress.
Product: Credit reporting or other personal consumer reports

Experian is Reporting 7+ Years old closed out dated accounts on my consumer report. Experian is Reporting inaccurate name Alias on my consumer Report. 

XXXXXXXX XXXX XXXX XXXX  Date Opened : XX/XX/year> Status Closed XXXX # XXXX Consumer Credit File Rights Under State and Federal Law 15 U.S. Code 1679c Consumer have a right to dispute inaccurate information in their credit report by contacting the credit bureau ( Consumer Reporting Agencies directly. The credit bureau ( Consumer Reporting Agency must remove inaccurate, negative information from your report only if it is over 7 years old.

Experian has hurt my credit score as it keeps failing to remove this account that's Holding me back from doing business with banks and lenders as it violates my Rights According to 15 U.S. Code 1681e ( b ), Consumer reporting agencies are suppose to assure maximum possible accuracy according to the fair credit reporting act.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I am writing to dispute certain personal information appearing on my credit report maintained by your bureau.

Upon reviewing my credit report, I noticed discrepancies in the personal information section, which I believe is inaccurate. I am requesting your assistance in investigating and correcting this information.

Below is the personal information that needs to be reviewed and potentially removed or corrected from my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>. I certify that the personal information provided above is accurate to the best of my knowledge. I understand the importance of ensuring the accuracy of my credit report, as it impacts my financial standing and ability to access credit. 
According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or incomplete information on my credit report. I am requesting that you investigate the discrepancies mentioned above and promptly remove or correct any inaccurate information from my credit report. 
Enclosed with this letter are copies of documents that verify my correct personal information, including a government-issued identification card and any other supporting documents.

By the provisions of the Fair Credit Report Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. 
Please remove any information that the creditor can not verify.I understand that under 15 U.S.C Sec 1681 ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. Please send an updated copy of 5 my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past 6 months.15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 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. Sincerely
Product: Student loan

Hello, i am in the group of people that was ripped off by XXXX XXXX. I have been fighting and waiting for the loans to be discharged for over 10 years. I have gotten emails from companies that have said that I am in the group that should have the loans discharged do the court case. and now I see that Biden just approved more money to help students out with this for-profit schools. I have serval emails from various lawyers and other companies that said they would get this moving but with little action.

I have been paying what I was told to at a min and most are on the national emergency forbearance that ends on XX/XX/21.

This has killed my credit score and I need to get this cleared up as promised. and if possible get back the money that I paid into the loans as well. 

Please see attached pictures and feel free to call me
Product: Credit reporting or other personal consumer reports

XXXX, XXXX and Transunion has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Burea ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX, Transunion and XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX 's Transunion and XXXX inaction violates federal law and my rights as a consumer. Transunion XXXX and XXXX have allowed negative remarks to be made against my accounts while matter was still in dispute process. Basically backdating information to harm my credit report intentionally because I disputed account information or inaccuracies. They have removed comments and re added them at a later date such as unable to locate customer or terms and have deliberately continued to put inaccurate information on my reports only to cause harm as opposed to resolve inaccuracies and fair reporting by these agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within XXXX gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and maXXXX have got into the hands of the wrong person.
Product: Vehicle loan or lease

After being told by finance representative that the loan interest rate would be between 16 % to 27 % as a worst case scenario, I co-signed for my son as this was his first purchase. Although we were informed that I had what they coined as A credit, we ended up at the very highest rate of interest of 27 % on their scale. We were also informed that we would have to secure auto insurance before the approval process was completed which the dealership salesperson said she thought was odd as well. 
Fast forward to a number of months into this loan and my son is struggling to keep up with payments so we inquired about a refinance and was lead to believe we would have a XXXX month gap where payment would not be due until this refinance was completed. Unfortunately, we were informed that their version of refinance was adding a year to the current loan with absolutely no drop in interest rate resulting in only $ XXXX less payment of what my son is already paying. 
Both my son and I were stunned when we received a denial letter ( XXXX separate letters in each of our names ) showing each of us applying for a {$1000.00} loan each for which we both had no idea about and was not informed in any way on. We are very concerned about the business practices of this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

In the beginning of XXXX of this year, I noticed that my credit scores plummeted after I requested an old account be removed from my XXXX  credit report. Instead of following the requests of my dispute, the credit bureau took it upon themselves to file a false dispute. In which they claimed that I filed a dispute requesting that they update my old car payments because they were reported incorrectly. This is false information. I initially filed a dispute with XXXX, simply insisting the account was too old to be on my credit report, requesting that it be removed, because it was still showing it as being opened, which its been closed since XXXX. The company XXXX XXXX XXXX has been on my report since XX/XX/XXXX ( almost 10 years ), and according to law, consumers can request items be removed from their report that are over 7 years old. Instead of following my dispute, they requested all old late payments from XXXX XXXX XXXX be updated on my credit report, which is what caused my scores to drop on all three of my credit reports, also causing the lifespan of the account to start over. I went into a branch to verify why XXXX reported these old payments, and was told that XXXX  requested this information after receiving a dispute from me. The representative I spoke with also informed me that this starts the reporting process over.
Product: Debt collection

I hope this letter finds you well. I am writing to formally dispute the accuracy of information on my credit report maintained by your bureau. Upon reviewing my credit history, I discovered the presence of a late payment entry that I neither acknowledge nor recognize. 
Account Information : XXXX  XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. Either there may be a system error or this account may be with another holder with the same name.

I believe that this late payment entry may be the result of inaccurate information or a possible mix-up with another account holder who shares my name and similar information. 
I kindly request a thorough investigation into this matter to verify the accuracy of the reported late payment and, if necessary, remove it from my credit report. I understand the importance of accurate credit reporting and the impact it has on my financial well-being. 
If there is another account holder with the same or similar name and information, I urge your bureau to take the necessary steps to differentiate our accounts accurately to avoid any future discrepancies.