23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to formally express my concern and seek resolution regarding an issue on my credit report related to a late payment and subsequent charge-off that have been reported inaccurately. I have attempted to resolve this matter through several previous communications, but the issue remains unaddressed. I kindly request that you address these inaccuracies promptly to prevent any further negative impact on my credit score and financial standing. I trust that you will treat this matter with the urgency and attention it deserves. Please help me correct the late open and remove the charge off accounts immediately : XXXX XXXX XXXX XXXX Balance : {$34000.00} You are reporting different information from other bureaus. Per FCRA, reporting must be 100 % accurate or the information must be updated. 

XXXX XXXX XXXX Balance : {$9600.00} Please check the Payment History and Status information on this account and adjust accordingly. 

XXXX XXXX  XXXX XXXX Balance : {$440.00} I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. 

XXXX XXXX XXXXXXXXBalance : {$460.00} The payment history and status are inaccurate. According to FCRA 's Compliance/Obsolescence date determines when the 7-year reporting period begins for accounts that have been charged-off or placed for collection. Please delete this account immediately. 

XXXX XXXX Balance : {$3600.00} I believe this account is reporting inaccurately. I do not recall ever having a legal obligation with this company nor believe one exists. Please provide me with verifiable proof this account belongs to me. I request a signed contract which is the ONLY LEGAL authority that stipulates an agreement. Please remove it.
Product: Checking or savings account

My name is XXXX XXXX, and I am writing to seek your assistance regarding an issue I am experiencing with Cash App. Recently, I filed a claim for a fraudulent charge of {$350.00} that appeared on my account. Cash App initially stated that they would refund this amount ; however, they have since denied my claim. Despite providing all the necessary documentation and evidence to support my case, I am still awaiting the promised refund. The charge in question was due to fraudulent activity, and I believe it is unfair and unjust for me to bear the financial burden of this transaction. I am contacting you to help you mediate this situation and ensure that Cash App fulfills its initial promise to refund the fraudulent charge. Thank you for your attention to this matter. I'm looking forward to your quick reply and help. Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX - XXXX In accordance with the Fair Credit Reporting act XXXX Account 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 a account without my written instructions XXXX XXXX XXXX - XXXX In accordance with the Fair Credit Reporting act XXXX Account 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 a account without my written instructions. 

XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting act XXXX Account 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 a account without my written instructions.
Product: Credit reporting or other personal consumer reports

Transunion, XXXX, XXXX are not investigating my disputes. There are so many inaccurate reportings.
Product: Student loan

This is the second complaint I am filling out toward Navient, once XXXX XXXX. I spoke with the company today about payment options. I can reapply to the " rate recovery program '' for only 6 more months, originally I was told I can reapply for another whole year. I 've been in the program the last year and a half to get up to date on payments and keep my percentage rate down to 2 %. 

It is also very unclear how and when Navient is sending updated reports to the credit report companies. After being in default and forebearance on and off over the last decade, my loans have tripled in size. I 've spent the last two years making on time payments and the company has not updated my credit score.
Also, after paying Navient about {$11000.00} only {$3000.00} in my principal has gone down.
I understand there are numerous lawsuites against Navient. I would like more information to get more involved and in the meantime, figure out how to deal with large monthly fees ( unneccesary late fees ),  inaccurate reports and very confusing information with this company. Thanks so much for your time and energy!
Product: Checking or savings account

I am filing a complaint against Bank of America ( BoA ) regarding their refusal to provide me with electronic copies of my past account statements after I closed my account. I believe this policy is unnecessarily restrictive, creates unnecessary barriers to accessing my financial records, and may be designed to inconvenience customers rather than serve a legitimate purpose. 

Details of the Issue : I closed my Bank of America personal checking account in XX/XX/year>. 
Upon attempting to retrieve past account statements, I discovered that the statements were no longer available through online banking. 
When I contacted Bank of America customer service, I was informed that my only option was to receive physical copies via mail. 
Despite my repeated requests for electronic copies ( which I had originally received while the account was open ), Bank of America refused to send digital versions or restore online access to my statements. 
The representative did not provide a clear legal or technical reason for this refusal, only stating it was company policy. 
Concerns : Unnecessary Hardship & Delay Mailing physical statements is inconvenient, slow, and can result in lost mail. In contrast, electronic delivery is secure, instant, and environmentally friendly. 
Inconsistent with XXXXXXXX XXXX  Standards Most financial institutions provide electronic statements upon request, even for closed accounts. 
Potentially Designed to Deter Requests It appears that Bank of America may be using this policy to discourage consumers from obtaining past records, which could impact individuals needing statements for tax purposes, financial disputes, or other legal matters. 
I am requesting that Bank of America be required to provide a reasonable electronic option for retrieving past statements, especially for customers who had previously opted for paperless statements while the account was open. 

I would appreciate a formal review of this policy and a response regarding whether Bank of Americas practice aligns with consumer protection regulations.

Thank you for your time and consideration.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Acct # 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 a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A VICTIM OF IDENTITY THEFT AND POLICE REPORT FILED. I NOTIFIED THE CREDIT BUREAUS NUMEROUS TIMES SUBMITTED ALL NECCESSARY PAPERWORK TO THE BUREAUS AS THEY ASKED AND THEY HAVE NOT REMOVED THE FRAUDULENT ITEMS THAT THEY WERE DIRECTED TOO. I SPELLED OUT EVERYTHING FOR THEM CIRCLED THE ITEMS ON MY CREDIT REPORT BUT THEY DISOBEYED THE LAW AND FAILED TO REMOVE SAID ITEMS DETAILED IN CREDT REPORT.
Product: Credit card or prepaid card

I HAD CERTIFIED ON XX/XX/XXXX SUNDAY IN MY NEVADA UNEMPLOYMENT BENEFIT ACCOUNT AND SYSTEM CONFIRMED AS ALWAYS THAT I SHOULD RECIEVE MY BENEFIT PAYMENT THIS WEEK AS ALWAYS AFTER CERTIFYING WITHIN 24 HOURS MY PAYMENT WOULD REFLECT IN MY XXXX  XXXX XXXX PREPAID UI CARD BUT STATE DECIDED TO CANCEL XXXX  XXXX XXXX CARD SERVICES AND SEND OUT WAY2GO CARD TO NV CLAIMANTS TO GET THERE PAYMENTS STARTING ON XXXX.ITS BEEN 4 DAYS AND MY MONEY IS NOT SHOWING UP I CALLED TO NEVADA UI TO MAKE SURE PAYMENT WAS ISSUED AND IT WAS CONFIRMED WITH A PAYMENT NUMBER AND REP ADVISED ME TO WAIT ANOTHER DAY DUE TO FOURTH OF XXXX XXXX AND PAYMENT SHOULD SHOW UP. AS OF FRIDAY XXXX TH STILL NO FUNDS I TRY TO LOG IN APP ON MY PHONE AND IT TELLS ME ACCOUNT IS BLOCKED AND CALL CUSTOMER SERVICE AFTER WAITING 1 HOUR TO SPEEK TO SOMEONE TO FIX BLOCK ISSUES AND WHY WAS THIS DONE HE HAD NO INFORMATION FOR ME BESIDES TELLING ME IF I WOULD LIKE HIM TO FILE A TICKET I ASK A TIKET FOR WHAT? HE SAID A TECH WILL RETURN MY CALL WITHIN A DAY TO HELP ME TO RESOLVE CARD ISSUES I ASKED TO SPEEK TO A SUPERVISOR AND AS I WAS WAITING ON HOLD I HEARD LAUGHING AND AS SOMEONE TRYING TO COVER THE OTHER END OF THE PHONE TO PREVENT ME TO HEAR, AFTER WAITING OVER 15 MIN THE SUPERVISOR HAD SAID THE SAME TO ME ABOUT A TECH IS ONLY ONE TO HELP ME, NO TECH HAS CALLED XXXX NOW WHEN I CALL WAY2GO NUMBER RECORDED SYSTEM TOLD ME MY CARD HAS BEEN BLOCKED AND THAT I HAVE NO ACCESS TO ANY CARD FEATURES ON MY APP AS WELL AND ONLINE WEBSITE COMPLETELY BLOCKED FROM KNOWING ANY INFO ABOUT MY FUNDS.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello as of XX/XX/2020 i've been receiving telephone calls from debt collection agancies. I started by pulling my credit report to find out whats going on. Upon recieving a copy of my credit report from : XXXX, XXXX and XXXX I discovered multiple accounts of which i have no knowledge of. 

These accounts are fraudulent and I would like to report this incident. 
I have also notified the bureaus and was instructed retrieve my existing police report that caused this matter. I also have filed a report with the Trade Commission about this incident. 

I have notified : The Bureaus INC, XXXX XXXX XXXX and XXXX XXXX about this matter and they have still continuously report these fraudulent accounts to my report. Incident Description After doing a little bit more investigating into these accounts, I discovered they were opened up shortly after my vehicle was burglarized. My vehicle was broken into along with several others. 

This incident happened XXXX at my previous home. My truck was parked at when it was broken into. 
To summarize my story, my vehicle was burglarized, my : jewelry, wallet, credit cards and laptop were stolen. 

Someone was able to open up fraudulent accounts because they had all my info from the burglary. The fraudulent accounts were opened up shortly after my vehicle was broken into and my items were stolen. 
PLEASE REMOVE THIS FRAUDULENT ACCOUNT IMMEDIATELY THE BUREAUS INC Account Number XXXX Balance {$3900.00} Address XXXX XXXX XXXX XXXX XXXX, XXXX IL XXXX Phone Number ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX Nature of Complaint : On XX/XX/XXXX, I submitted a dispute to Equifax disputing a late payment reported by XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : My payment was made on time, as evidenced by my bank statements and payment confirmation receipts from my bank account, which clearly show that the payment was processed and sent before the due date. 
Despite this, the late payment was inaccurately marked on my credit report. 
I provided this information along with supporting documents but despite my adherence to the dispute process within the Fair Credit Reporting Act, XXXX, XXXX, and Equifax have failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report.

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report.

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

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

Equifax.

1. Wrong name on the report. Been trying to correct this same issue over many years.

2. Asked to REMOVE the fraud alert. Instead of removing it, their customer service ADDED it.
Product: Credit card or prepaid card

On XX/XX/XXXX I tried to make a purchase at Macy 's XXXX XXXX XXXX XXXX using my XXXX Macy 's charge account. The saleswoman checked my account and said that it was blocked because I had not used the card in 8 months. Since the card does not expire until XX/XX/XXXX, I questioned her, but she insisted that I need to re-enter all my information using their keypad to unblock the account. She said I would receive a letter in about a week with instructions. I used another credit card for the purchase. On XX/XX/XXXX I called the number on the back of my XXXX card to check on progress ( XXXX ). The gentleman who answered said that the account had never been blocked, my credit was fine, and I could use the card anytime. He had received an application filed in my name for a new account which we cancelled. I asked him to file a complaint- he said he would submit a general complaint to the store. I received a letter on XX/XX/XXXX from Macy 's informing me that they could not open a new account because of the credit freeze I had put on my accounts. I put a credit freeze on my accounts several years ago because of all the identity theft. My complaint is that the saleswoman lied to me about the status of my account and tricked me into applying for a new account.
Product: Checking or savings account

I have a monthly subscription with XXXX XXXX. I am charged {$77.00} per month. Beginning in XXXX this year they are charging me 2x a month. I have attempted to reach them but there is no way to speak to a live person or email them. I have XXXX this over and over. So I went to my bank, Wells Fargo, and asked for them to dispute these. Well now after 4 months of this they are reversing those provisional credits stating that XXXX submitted invoices proving such. Well I asked for copies of those and copies of all emails to me with those invoices. They said that XXXX said this was for paused services. I have never paused such, and why would I if I would be charged {$150.00} for such? Makes no sense and I did not authorized any of the 7 extra charges to my checking account via my debit card. That is {$540.00} that I want back and I told them to file this as fraudulent billing and they refused. I have filed a complaint with the FCC on XXXX XXXX for such and now this. I did not authorize any additional charges with XXXX. I did not pause my service with them and I have XXXX communication from XXXX or Wells Fargo showing where they claimed I did. These charges are fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an emailed about my information being the Equifax data hack so I pulled my credit reports and found there were multiple accounts that are inaccurate and should not be on my credit report. I understand mistakes happen but this needs to be fixed expeditiously because these are accounts are damaging to my credit report and I don't have the luxury to just wait around and let the problem fix itself by your agency. Under 15 USC 1681e ( b ) Accuracy of report : whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assume the maximum possible accuracy of the information concerning the individual about whom the report relates. 

I know that under 15 USC Code 1681i ( a ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall - ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the consumer. If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below : XXXX XXXX {$550.00} XXXX  XXXX XXXX XXXX {$660.00} Collection
Product: Mortgage

With my payment and by means of letters addressed to ONLY my ex-husband they have sent offers, to tap into MY equity of MY property they KNOW I hold the title to. They also send ME emails wanting to know WHERE I live. REALLY? I have never moved. I have never moved in 21 years. I don't even speak to my ex-husband. They are offering me the option of paying them to remove him from the paperwork. Another big REALLY? Do they understand that the man they are offering MY equity to, belongs to XXXX XXXX?
Product: Credit reporting, credit repair services, or other personal consumer reports

The company name is XXXX XXXX XXXX ( XXXX ). 
I applied and reseved a loan on XX/XX/XXXX. I paid the full amount loan due {$900.00} on XX/XX/XXXX. They are reporting to Transunion and XXXX credit services that the account was not closed until XX/XX/XXXX 120 days late ( XXXX ) and XX/XX/XXXX 180 days late ( XXXX ). 
I tried to filed a complaint with XXXX on XX/XX/XXXX their website would not allow me to upload documents. After calling XXXX representative stated information was correct and only XXXX could change it. I have called XXXX numerous times to no avail.
Product: Student loan

I made a payment on XX/XX/XXXX on a loan which was disbursed on XX/XX/XXXX. This payment should have been applied 100 % to the principal of the loan, as I was essentially paying back an amount from the loan which was more than we needed. This was the second disbursement of my son 's student loan, and Nelnet applied most of it to principal, but applied {$270.00} to Interest. As it was repaid within 120 days of the disbursement of the loan, it should have all been applied to principal. I contacted Nelnet via chat support in mid XX/XX/XXXX to request that they correct this and apply the full payment to principal. I was told via chat that the payment was not applied fully to principal because it was more than 120 days from the loan 's disbursement ( the loan 's original disbursement was in XX/XX/XXXX ). I pointed out that the second half of the loan was disbursed in XX/XX/XXXX, well within the 120 days and was told that they would correct the issue. In early XX/XX/XXXX, I noticed that Nelnet still had not fixed this issue. I then contacted Nelnet via their 'contact us ' on their website to follow up and again request that they take care of this. I received an email requesting more information, which I supplied. I was contacted on XX/XX/XXXX stating that they would send a request for the payment to be allocated as requested, and that my request could take up to 5 business days. Checking today, they have still allocated {$220.00} of that payment to interest. I have received no further communication from Nelnet regarding this issue. I emailed them back this morning, again requesting that they fix this issue. Meanwhile, I am being charged interest on the full balance of the loan, when this should have been credited to the principal of the loan almost 2 months ago. I have also made several requests trying to find out how to pay down any of the principal on my loans, and these requests have been ignored. I filed a different complaint with you regarding that issue prior to noticing that they still have not credited my account as they should for this issue.
Product: Checking or savings account

I am filing a complaint with the CFPB regarding XXXX XXXX 's failure to deposit my direct deposit from my employer and any other incoming deposits. XXXX XXXX has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you. 
I want the CFPB
Product: Money transfer, virtual currency, or money service

My app was compromised and someone sent {$4000.00} to someone XXXX dont know. As soon as it happened I called the bank to stop it they did not.
Product: Credit card or prepaid card

My credit card was lost, my way fair credit card issued by citi bank. The bank did not notify me of ANY transactions. This was a new card, only a few months old, only used for the purchase of one couch!!! There were countless purchases made in the card when it was lost and I got no fraud alerts or statements from citi. I saw my score dip on XXXX XXXX and I found out the card was lost. I calked citi right away. It took citi over a week to understand that the card was lost and the transactions were not mine. Today, my investigator told me and told me that XXXX XXXX XXXX had told them that they have footage of me at their property. I have asked to see the footage which the card company XXXX not have. The investigator has gone on vacation and has asked me to get information from XXXX showing its NOT me. And if XXXX gives me no information then the card company will assume its me. I would like to see if this was a chip transaction. If a phone or email was used!! I would like to see this footage. This is NOT me and unauthorized transaction for which I am not responsible. The burden is on the merchant!! Please get this footage!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 2 police reports from a couple of years ago, after my car and house was broken into, id stolen, etc. Now that my identity has been compromised I'm now finding myself fighting to obtain my life back including my credit worthiness. I've requested that the credit reporting agencies only report what they physically verify as opposed to any electronic Verification that by common law / consumer law can not be used and verified as proof. I'm demanding that these accounts be blocked from my credit files. 

1 ) XXXX XXXX XXXX {$680.00} 2 ) XXXX XXXX XXXX 3 ) XXXX XXXX {$130.00} 4 ) XXXX XXXX XXXX {$350.00} XXXX ) Account Resolution {$71.00} XXXX ) XXXX XXXX XXXX {$140.00} 7 ) XXXX  XXXX {$30.00} 8 ) XXXX XXXX XXXX XXXX {$3800.00} 9 ) XXXX XXXX