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

I am submitting this complaint regarding incorrect and fraudulent information on my credit report, including outdated addresses and accounts that do not belong to me. These issues appear to be the result of identity theft. 

Details of the Complaint : Outdated Addresses : The following addresses are listed on my credit report but are no longer associated with me and need to be removed : XXXX XXXX XXXXXXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX, FL XXXX Fraudulent Accounts : The following fraudulent accounts are listed on my credit report : Experian : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Number XXXX XXXX Fraudulent Address : The following fraudulent address is listed on my credit report : XXXX : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX FL, XXXX Address associated with fraud ) Old Addresses XXXX listed above ) are present on all three bureaus. 

Experian : Fraudulent accounts ( XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX : Fraudulent address ( XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, FL, XXXX ) XXXX : All old addresses listed above Action Requested : I am requesting the following actions be taken immediately : Remove the outdated addresses from all three credit bureaus.

Block and remove the fraudulent accounts from Experian.

Block and remove the fraudulent address from XXXX  under Section 605B of the Fair Credit Reporting Act ( FCRA ).

Supporting Documentation : I have attached 
the following documents to support my dispute : Copy of my government-issued photo ID.

Copy of a recent utility bill showing my current address.

FTC Identity Theft Report ( or police report, if applicable ). 
I respectfully request that these matters be investigated promptly and resolved in accordance with the law. 

Thank you for your attention to this matter.
Product: Student loan

I have been making over payments on my loan and realize that Navient has been continuously increasing the interest rate. When I started repaying my loan the interested rate was 9.75 % and remain at that rate for a entire year. When I started to make over payments the rate increased to 10 %. I called their customer service and was told that I have a private loan and the company has no control over the interest rate, so they are unable to help me. The rate have been steadily increasing as follows : XX/XX/XXXX - 10.25 % XX/XX/XXXX - 10.5 % XX/XX/XXXX - 10.75 % XX/XX/XXXX - 11 % XX/XX/XXXX - 11.25 %
Product: Checking or savings account

Hi I filed a complaint previously with CFPB regarding this and was told US bank was working on it. I had since then spoken to them many times and was told to wait for 90 days for them to provide a resolution. After waiting for almost 100 days, I contacted US bank 's fraud liasion and was told if US bank doesn't hear from the other bank for 90 days, US bank is going to cover the funds that were fraudulently cashed out themselves so my understanding is I would receive the funds past 90 days waiting period. However, today I reached out to US bank again and they told me no, I had to keep on waiting ( and they said there was no timeframe for that?! ) This is ridiculous. I have also asked if they would provide the contact info of the other bank or the name of the bank and they refused to provide that info. I reported the issue to them XXXX last year, and it has been over 7 months now.
Product: Credit card

Overnight between XX/XX/XXXX and XX/XX/XXXX, 18 charges were put back onto my card from when my card was fraudulently used to buy fake ads for a fake bathing suit company in XXXX ( the bathing suit company does not exist ). I think I'm getting ahead of myself so let me start from the beginning : The original fraudulent charges were made between XX/XX/XXXX and XX/XX/XXXX. My XXXX account was hacked and a fake user was added as an administrator for my XXXX XXXX account. I run a XXXX XXXX XXXX and used XXXX ads to market to families in my area, limiting ads to {$15.00} or {$20.00} per day. Between XX/XX/XXXX and XX/XX/XXXX there were bathing suit ads running with spend limits of {$500.00}, {$3000.00} and $ XXXX ( see attached screenshots ). Overall there were just under {$5000.00} in fraudulent charges for a fake bathing suit company in XXXX. 

I called Wells Fargo to open a case and they assured me everything would be reversed and that I'd get a new card. They said it could take up to 10 business days to remove all the fraudulent charges. I don't know if this is relevant, but they also never actually sent out the new card ; when I called to ask the status of the card, the representative said, " huh this is weird, it says it was sent but it never actually sent. '' Again, I don't know if that's relevant but it makes me wonder what's going on at that company. 

Anyway, the charges were reversed and my new card balance transferred and eventually I got the card so I figured everything was right again. Then yesterday some weird things started happening : my credit limit is {$18000.00} and showed a current balance of $ XXXX and change. I was declined trying to make a {$900.00} purchase and called to find out why. The rep said they've been having similar issues since Sunday and to just wait a couple days and it should sort itself out. I said okay and figured I could make the purchase the next day ( today ). 

When I went to check my account this morning, my account balance was suddenly over {$20000.00}!!!!!!!!!!!! I frantically went to the transactions to see if I was hacked again, only to find 18 " balance transfers '' in the same amounts as the fraudulent transactions from XXXX. I called the bank again, thinking obviously there's some mistake. They do not provide any further information, only saying that I will receive a letter in the mail?! I'm concerned that they are reversing the credit for the fraudulent charges, and the representative would only say that they've opened a new case ( I'm uncertain why they are not continuing the old case ), and that it could take up to 45 days to be resolved. That new case number is XXXX This is not acceptable and it would be incredibly baffling to discover that they find in favor of the fraudulent charges. It is so obviously fraud that I can not believe they even allowed the charges in the first place! 18 charges in three days totaling almost {$5000.00} when I usually only spend $ XXXX?! 

Thank you for your assistance.
Product: Student loan

Predatory lending practices, deceitful, fraudulent. Interest designed to keep you in debt for life.
Product: Credit reporting or other personal consumer reports

I wrote to the below creditors requesting an investigation into items that I believed were fraud, inaccurate, and falsely reported. To this date I have not received a response. Not only do I believe this to be a stall tactic on their part to grant an additional 30 days to comply with my original request, but I believe it to be a blatant violation of 15 U.S.

Code 1681i - Procedure in case of disputed accuracy.
Product: Credit card or prepaid card

I am enrolled in auto-pay with a Capital One MasterCard account, I have noticed to distinct problems after reviewing my statements : 1 ) Even though my auto-payment is scheduled, processed and submitted on the date due, I have now on multiple occasions been charged a late fee.

2 ) Most recently the auto-payment that was submitted happened to be below the " minimum payment required '' and thus a 30 day late* was posted on my credit report. 

The relief I would request is simply removal of said information from my credit report, if this can not be accomplished I would like to pursue further action and potential litigation as I am sure I am not the only consumer effected by these practices.
Product: Credit reporting 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. 

Account Name XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX XXXX XXXX Account Number : XXXX and list of Inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Product: Vehicle loan or lease

Lobel Financial is denying that they ever collected the {$1600.00} down payment from the Consumers. The receipts previously submitted are evidence that it indeed was in FACT collected and per the letter from XXXX XXXX XXXX XXXX confirms they did receive the {$1600.00}. 

Per the Consumer Financial Protection Bureau ( CFPB ), a U.S. government agency that makes sure banks, lenders and other financial companies treat consumers fairly. 

A down payment is an initial, upfront payment you make towards the total cost of the vehicle. 

Per the Federal Trade Commission Guidelines Bait and Switch is as follows : Under Title 16 Law Per Code 238.4 Switch after-sale. 

No practice should be pursued by an advertiser, in the event of sale of the advertised product, of unselling with the intent and purpose of selling other merchandise in its stead. Among acts or practices which will be considered in determining if the initial sale was in good faith, and not a strategem to sell other merchandise, are : ( a ) Accepting a deposit for the advertised product, then switching the purchaser to a higher-priced product, ( b ) Failure to make delivery of the advertised product within a reasonable time or to make a refund, ( c ) Disparagement by acts or words of the advertised product, or the disparagement of the guarantee, credit terms, availability of service, repairs, or in any other respect, in connection with it, ( d ) The delivery of the advertised product which is defective, unusable or impractical for the purpose represented or implied in the advertisement. 

First, XXXX XXXX confirms that the down payment was received and accounted for per XXXX XXXX Pricing on the response letter from the dealership confirms that the {$1600.00} down payment was in FACT applied towards the car. 

However, in contrast, Lobel Financial denies they ever received or in their words exactly to the Consumers and stated : that they dont touch the money of the down payment that it doesnt go towards the car price and the customer is still responsible for the {$1600.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly CORRECT or UPDATE all information which can not be verified.

You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian, XXXX, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian, XXXX, and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

XXXX XXXX XXXX XXXX Opened XX/XX/2017 Balance {$0.00} or XXXX XXXX XXXX XXXX XX/XX/2017 Balance {$360000.00}.
Product: Debt collection

In XX/XX/2017 I contacted XXXX concerning a new service. I was told that I owed on an old account from another city from a couple years back. They said that it was no record showing I turned the box in. I turned it in when I shut the service off. So I was told that I owed XXXX. No collection agency or no calls prior to this had been made to me and I did not receive any notices to my current address prior to my calling. I paid XXXX on XXXX and I paid the remaining balance of XXXX on XXXX. I have my bank statement to prove these transactions. I recently checked my credit reports and I found a collection agency on my report by the name of ENHANCED RECOVERY COMPANY representing XXXX. It was reported to them by XXXX on XXXX. I do n't understand what is going on with XXXX. I paid this debt in full and it is saying I owe {$88.00} for what? I believe that these charges are fabricated to get more money from me and to ruin my credit even more. I do not currently have an open account with XXXX. Please help me. Thank you in advance.
Product: Credit reporting or other personal consumer reports

I sent multiples certified letters to the bank and have not received anything from them. It has been over XXXX months and it has been a mute point, TD Bank Account XXXX I disputed the account on numerous occasions and it came back verified and I want to know how can something come back verified when not even the open and closed date of it are being reported right. Both XXXX  and TD Bank are in violation of my consumer rights under the FCRA according to : 15 USC 1681, I have the right to privacy and USC 1681-2 A person or a corporation shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. ( B ) Reporting information after notice and confirmation of errors, A person shall not furnish information relating to a consumer to any consumer reporting agency if -- -- - ( I ) The person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate, and ( II ) The information is, in fact inaccurate I can go on and on showing blatant violations for the reporting agency ....
Product: Bank account or service

I was charged an overdraft fee of {$35.00} dollars on the afternoon of Tuesday XXXX XXXX. However I had been to the ATM on the morning of the XXXX and deposited money into my account. At that moment there was no sign of an overdraft on my account. Later that day I received an email letting me know I had over drafted. I called the bank to clear up this mistake as clearly I had deposited money before the over draft had occurred. I spoke to a costumer service representative and was told the best they could do for me was only refund me half of the fee at the total of {$17.00}. I then spoke to his manager XXXX XXXX and was told the same. I then asked him why he could only do half if it was n't my mistake ; to which he informed me that they had previously taken and overdraft fee off. However the incident he was referring to was also because of a HUGE mistake they had done. something i should have reported in the past. I deposited my check at the Wells Fargo ATM, but it never appeared in my account. It was as if my money had vanished. I did n't realize this until i had been charged an over draft fee on a reoccurring payment i had set up with my account. I then called to see what the issue was only to realize my check had never cleared. So after their huge blunder on that they reversed the over draft fee and made me file a claim which had me wait the maximum of 10 day to have access to any of my money. I wish i could say that this only happened to me that XXXX time, but unfortunately it did n't. I had this happen to me twice with my checks that left me completely broke and late on my payments twice, and once with cash deposited at the ATM. The morality of this bank is flawed and i have read tons of costumer complains stating that they felt like they were treated like they did n't matter and thats exactly what they did to me. I just do n't understand how how they could flat out " legally '' steal money from hard working, and trusting cutomers.
Product: Checking or savings account

On Thursday, XX/XX/XXXX, I deposited a check in the amount of {$3900.00} into my personal checking account. This transaction took place at the XXXX XXXX XXXX of Bank of America in XXXX, Georgia. These funds were to be electronically transferred to a third party as soon as possible. I did not to want to transfer these funds until the check had cleared, so I went back to the same Bank of America branch on Friday XXXX, XX/XX/XXXX, and spoke to the same teller who deposited the check on Thursday. She verified that the check had cleared and my online statement of transactions showed this particular transaction as completed, not pending. I asked the teller if there was any chance the funds were not in my account and she referenced the transaction statement and confirmed with a screenshot showing that the funds were received. I had no reason to doubt her. After talking with the teller that morning, I felt comfortable transferring the funds to the third party. 

On Monday, I learned that the check was fraudulent. I immediately went to the Bank of America branch and was told that I would have to talk to another branch at XXXX XXXX XXXX where I was told I had to contact the fraud department by phone. I have spoken to various departments several times and no one has attempted to be helpful except to say that it takes 1-3 days for a check to clear. I made a good faith effort to ensure the check had cleared. After all, why would the bank release funds before the check had cleared? That makes no sense. I researched this practice, and learned that a bank may release funds in advance of receiving them if the customer has the money to cover the funds in his/her account, or if the check is drawn on a major company or trusted source. Neither of these circumstances applied here. Also, I went online Thursday night before transferring the funds to see how long it takes for checks to clear and saw that several banks ( including Bank of America ) can clear checks in one day ( XXXX ), so when the teller said the check had cleared and the funds were available for transfer, I believed her. 

Now I am out $ XXXXmoney which I do not haveand it is befuddling why Bank of America has acted in this manner. I believe Bank of America is at fault for releasing funds which it had not yet received and for misleading their trusting customer ( of 20 years ) into believing the funds existed for transfer.
Product: Credit card or prepaid card

XXXX XXXX XXXXXXXX AND XXXX XXXX XXXX CHARGED OFF DUE TO COVID 19. THEY SOLD MY DEBT TO XXXX PARTY COLLECTIONS WITH NOTICATION TO CONSUMER AS REQUIRED BY LAW. AND ARE STILL REPORTING ON MY XXXX CREDIT REPORTS.THEY SOLD XXXX XXXX TO XXXX XXXX XXXX XXXX AND XXXXT XXXXXXXX XXXX XXXX XXXX THESE APPREAR TO BE INSURANCE PROTECTION COVERAGES GUARANTEED MY ACCOUNT.
Product: Credit card

I made a large payment to my account earlier than the payment was due ( XXXX ). They generated the statement earlier than normal. My monthly payment was XXXX. They charged me a XXXX late fee. I asked for it to be credited as a courtesy, because of my previous large payment and the fact that I had never been late. They said " the system says I can't do it, but I don't know why. '' I escalated to another agent who said the same thing. I asked had I ever been late and he said no and said " the system won't let me do it. '' A XXXX dollar late fee when my payment was only XXXX is exorbitantly ridiculous and considering my last payment XXXX and most recent payment of XXXX the XXXX should have have been credited immediately. How can they just charged 32 % of the payment I owed.
Product: Debt collection

Person in charge, I am writing this complaint because I have been getting harassed by DEBT RECOVERY SOLUTIONS. They have placed multiple collections on my credit report and have duplicated many of them. When asked when these medical bills went into delinquency, I was told in XX/XX/XXXX. I have always had medical insurance and not sure why they were billed. After several attempts to collect money from me and threats, theyve decided to place 9 accounts from XX/XX/XXXX on my credit report. 

Opened : XX/XX/XXXX Amount : XXXX Opened : XX/XX/XXXX Amount : XXXX Opened : XXXX, XXXX, XXXX Amount : XXXX Opened : XX/XX/XXXX Amount : XXXX Opened : XX/XX/XXXX Amount : XXXX Opened : XX/XX/XXXX Amount : XXXX Opened : XX/XX/XXXX Amount : XXXX Opened : XX/XX/XXXX Amount : XXXX Opened : XX/XX/XXXX Amount : XXXX I have contacted this company by mail asking to delete this medical bills for my credit profiles and they have not responded. I have requested a validation of these bills and they sent me only a notice that it was in collections. They have not validated or verified these accounts. Please help me remove these accounts off my credit reports.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to address the ongoing issue regarding a late open account on my credit report despite multiple attempts to correct it. This marks my fifth formal attempt to rectify this matter, which remains unresolved despite previous assurances and efforts. 

As previously communicated, the presence of this late open account inaccurately reflects upon my creditworthiness and financial responsibility. Despite my diligent efforts to provide documentation and evidence supporting the erroneous nature of this entry, it continues to persist, casting a shadow over my credit profile. 

I demand immediate action to rectify this discrepancy and remove the late open account from my credit file. It is imperative that your team conducts a thorough review of the documentation provided and takes decisive steps to correct this error without further delay. 

Failure to address this issue promptly and effectively will leave me with no choice but to escalate this matter through appropriate channels, including regulatory authorities and legal avenues. With this, I am asking for your assistance to correct this account in my credit file : XXXX XXXX XXXX : {$0.00}.