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

Dear US Bank : I am contacting you regarding a 30-day derogatory mark from XX/XX/2020 that appears on my three credit bureaus. 
I dispute these 30 day lates and demand a full removal of the 30-day late marks based on the enacted Section 4021 of the Coronavirus Aid, Relief, and Economic Security Act ( the CARES Act ) which bars ( and makes illegal ) such a derogatory mark, subject to its terms. The purpose of this letter is to ask that the derogatory mark immediately be reported as current to the three major credit reporting agencies, XXXX, XXXX, and XXXX XXXX so that this matter be resolved amicably and without any court intervention. I thank you for your anticipated cooperation. 
Prior to the missed payments I attempted to contact US Bank regarding my charge card payments, albeit unsuccessfully due to hold times several hours long. My income has been temporarily negatively impacted by the COVID-19 outbreak, I have experienced severe financial hardship as a result of the economic standstill that our country is going through. 
Recently, and in response to the COVID-19 outbreak, the CARES Act was signed into law by the President of the United States on Friday XX/XX/2020. The CARES Act modifies the Fair Credit Reporting Act, 15 U.S.C. 1681, et seq. ( the FCRA ) by precluding furnishers of credit information ( which specifically includes all major banks ) from reporting any deferred payments, forbearances, or other missed payments during the covered period. More specifically, Section 4021 ( F  ) titled Reporting Information During COVID-19 Pandemic ( the Act ) states : if a furnisher makes an accommodation with respect to 1 or more payments on a credit obligation or account of a consumer, and the consumer makes the payments or is not required to make 1 or more payments pursuant to the accommodation, the furnisher shall ... 
It is important to note that accommodation is defined broadly in the Act and encompasses any consumer who is affected by the coronavirus pandemic during the covered period. 
..if the credit obligation or account was delinquent before the accommodation ..if the consumer brings the credit obligation or account current during the period described in ( aa ), report the credit obligation or account as current. 
The term covered period means the period beginning on XX/XX/2020 and ending.. 120 days after the date on which the national emergency concerning the novel coronavirus disease ( COVID-19 )  outbreak
Product: Debt collection

Someone else have my identity stole. That persona have my social security number and driver lincense number and my Home Andress as me! I never get those service this medical data system want me to pay to XXXX XXXX XXXX Im provide the enough prove to confirm I wasnt me the person .. Im asking to make a fair decisions and stop report it to my credit and stop sending bill I dont own is very hard for then to be believe wasnt me but the sending me inaccurate information about this I never singnature any document to you or never get any attention from this hospital at this time
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the presence of two accountsXXXX XXXX XXXXXXXX XXXX my credit report, as I do not recognize them and have no contractual obligation or prior dealings with these entities. I have reason to believe these accounts are fraudulent and improperly placed on my credit file. 

Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ), I request an immediate investigation into these accounts and their removal from my credit profile if they can not be substantiated. Additionally, under FCRA 611 ( 15 U.S.C. 1681i ), I formally demand that any credit reporting agencies that have listed these accounts provide me with verification, including the original signed contract or other documentation proving my liability. If such verification can not be provided within 30 days, these accounts must be deleted in compliance with federal law.

Furthermore, under the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692g ), I demand validation of these debts from the furnishers, including the name and contact information of the original creditor and a detailed accounting of any alleged debt. Should these accounts remain on my report without proper validation, I reserve the right to take legal action against all responsible parties, including filing complaints with the Federal Trade Commission ( FTC ) and my State Attorney Generals Office for violations of my consumer rights. 

These inaccurate listings are impeding my ability to obtain credit and make sound financial investments. Therefore, I urge the CFPB to ensure swift resolution of this matter. Please confirm receipt of this dispute and provide me with a case reference number for tracking purposes. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

American Express serve card just cut off a bunch of customers accounts. We loaded our money onto these cards and they took the money. Cant log into the site, we cant spend, all purchases are declined and when we call the autmoated voice says put in you social and says no account linked to that social and hangs u. This is a card that people who cant use banks, use to load their money on and they are mostly poor and their money is gone! They shut down their system
Product: Money transfer, virtual currency, or money service

On XX/XX/2022 the BlockFi cryptocurrency platform disabled withdrawals of my wallet assets under my name. The wallet is under my name in cold storage and is not to be used to satisfy secured creditors if bankruptcy comes.
Product: Checking or savings account

BMO bank owes me {$12.00} interest shortly paid ( {$3.00} for XX/XX/year>, {$8.00} for XX/XX/year> ). Please credit {$12.00} into my account because BMO bank NEVER informed me that the rate reduced to 2.22 % for XX/XX/year> and only 1 % for XX/XX/year>. 

I contacted BMO bank for this issue ; however, BMO bank refused to pay by giving excuse saying I agreed to accept the rate variably changes. Firstly, if there is any change, BMO bank should tell customers ahead of time, not afterwards. Secondly, I logged into my account every single day. The rate always shows interest rate 0.995 %, and additional interest 2 %, totally should be 2.995 %. Please see attached screenshot. I also attached the statements of XX/XX/year> and XX/XX/year>, which shows BMO bank only paid 2.22 % for XX/XX/year> and only 1 % for XX/XX/year>. Therefore, BMO bank owes me {$12.00}.
Product: Credit card

Banana Republic Credit Card Services intentionally obfuscates the process for changing your automatic billing. Whenever you try to change your autopay ( no matter how far in advance of the payment due date ), it cancels your your previously scheduled autopay but does not put in place your newly requested payment amount until the next scheduled payment. Banana republic does not clearly inform you that no payment will be taken out on the next payment due date until XXXX day after the payment is due. This has resulted in fees. Secondly, Banana Republic took out XXXX payments this last month : XXXX was the payment I authorized for the full amount due. The other was a separate billing for {$750.00}, which I did not authorize. When I called customer service, they could not inform me why this second payment was taken out. The second billing caused my bank account balance to go negative and caused me to incur an overdraft charge from my bank. Banana Republic refused to refund my money unless I went down to the bank and got them to fax over a form confirming that they had accepted both charges, despite the fact that Banana Republic was crediting my account with both charges. I finally ended up cancelling my card. Banana Republic would not refund the overdraft fee the bank charged me.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.i was scammed out of {$89.00} with visual evidence provided Furthermore, their dispute resolution proce was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress For these violations
Product: Credit reporting, credit repair services, or other personal consumer reports

the Consumer Credit sourcebook of the XXXX XXXX XXXX XXXX XXXX ) which states one of the following rules Where there is a dispute as to the identity of the borrower or hirer or as to the amount of the debt, it is for the firm ( and not the customer ) to establish, as the case may be, that the customer is the correct person in relation to the debt or that the amount is the correct amount owed under the agreement. XXXX I demand that the following account be verified or removed immediately : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX   XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX   XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX   XXXX, XXXX XXXX
Product: Credit card or prepaid card

I have a credit card through my bank, Bank of America. I was offered balance transfer at 0 % interest for 18 months with some upfront fee. I took that offer and transferred some balance XXXX approximately {$6000.00} XXXX from the credit card to checking account. I use this credit card for making some purchases as well. I have been paying down those purchases in full every month in a timely fashion. I have also been paying down a part of the balance transfer amount regularly and I intend to repay the full balance before the expiry of 18 months. Yet, I see some interest charge on my account every month. When I called the bank I was told that this because I have a balance in my account left. This balance amount remains because the money owed on the balance transfer offer is not due yet. I do not want to repay the full amount from the offer yet as I already paid fee on the balance transfer offer. Now, it 's bank 's policy to charge interest on purchases as long as there is any balance left in the account which seems wrong to me as I have been repaying purchases every month. Bank has been reversing that interest for the last couple of months after I call them. But I find this practice unfair as I have paid interest when I forgot to call them or when the bank had a customer service representative who was not kind enough to refund that amount. 
In my opinion there are many customers of various banks who are paying this kind of interest even though they keep paying the full amounts incurred because of the purchases due to this policy.
Product: Credit card or prepaid card

XX/XX/XXXX and  XXXX  I earned  XXXX  with shift gig ( an app that schedules jobs at the convention centers for people like me ) I called pay pal around  XX/XX/XXXX  and asked for my account number/routing number for my existing account and she gave it to me ( it ended up being an incorrect acct number.
See Email Attachment but below is what  XXXX  sent to me before he started denying that I called and that paypal gave me an incorrect account number.
incorrect acct number  XXXX  correct account number  XXXX  {$140.00} See attached Email conversation for the details but this is the first letter  XXXX  sent to me..
Dear  XXXX , Thank you for contacting the office of President   XXXX   XXXX  . I am part of the Corporate Response Team and I will be assisting you with your concern.
I understand you have concerns regarding on your Netspend card account.
Although I have been unable to reach you, I wanted to apologize for the wrong information given to you about your deposit. We will address the agent involved. Due to your deposit posting on another account, you will need to contact the originator.
If you have additional questions or concerns, please do not hesitate to contact me at the phone number below.
Thank you,   XXXX   XXXX   Sr. Analyst, Customer Experience Netspend, a  XXXX  Company   XXXX   , TX Office :   XXXX   netspend.com
Product: Credit card

This happened back in like 2002 I never opened aXX/XX/XXXX account card and filed a fraud affadavid and they still keep sending me court letters and garnishments even tho the garnishments were dissolved
Product: Student loan

On XXXX my credit has an increase of XXXX by department of education as student loan, I havent applied for any student loan, Mohela is the company that only owed XXXX as student loans. I received a letter from my health provider that my info was exposed or might be exposed at risk due to someone had access to my information. I need someone to help me to correct this huge mistake.
Product: Credit reporting, credit repair services, or other personal consumer reports

Investigation Request to Delete Credit Inquires To whom it may concern, In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I request that you investigate the source of these inquiries, and ascertain that the creditor had a permissible purpose, and is able to verify my complete file information including full name, address, date of birth and SSN. 
I am disputing the following inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX If your investigation reveals the inquiry is valid, I request that you provide me with your method of verification as well as the contact information of the source of this verification. 
I am allowing you 30 days to complete this investigation.
Product: Credit card or prepaid card

Capital One Bank ( USA ), N.A. 
XXXX XXXX XXXX XXXX, NC XXXX XXXX. 

XX/XX/2018. 

i AM TRYING TO BUY A HOME. 

XXXX XXXX XXXX ISSUED ME A CASH REFUND ON XX/XX/2018 FOR {$3400.00} TO MY CAPITAL ONE CARD ENDING IN XXXX. CAPITAL ONE SAID THEY WOULD SEND ME A CK IN 10 BUSINESS DAYS. THEY DID NOT. WHEN I CALLED THEM YESTERDAY THEY ADVISED ME THAT THERE SYSTEM HAD BEEN DOWN AND THEY WERE NOT ISSUING REFUNDS. THEY THEN ADVISED ME THEY WOULD PROCESS MY REFUND CHECK AND SEND IT OUT IN 10 BUSINESS DAYS IMPACTING MY ABILITY TO CLOSE, WHEN I SPOKE TO A SUPERVISIOR AND EXPLAINED MY PROBLEM SHE HUNG UP. 
I CLOSED THE ACCOUNT ENDING IN XXXX HOPING TO SPEED UP THE PROCESS BUT NOW THEY SAY I HAVE TO WAIT 60 DAYS. I WOULD LIKE MY REFUND OF {$3400.00} ; MY ANNUAL MEMBER FEE RETURNED OF {$39.00} AND MY DUE ON SALE REWARD DOLLARS OF {$51.00}. THIS AMOUNTS TO {$3500.00} SO THAT I AM NOT HOMELESS.
Product: Mortgage

I have been trying to get the payoff balance on my loan. I called again today ( XX/XX/XXXX ) to follow up on the balance so we can refinance with another company. Seterus, Inc. informed me that they received our Chap. XXXX completion notice from the Judge on XX/XX/XXXX. I was also informed that Seterus, Inc. was to have my account completed with their bankruptcy dept. by XX/XX/XXXX. They acknowledged that we had a request for payoff in XX/XX/XXXX and again on XX/XX/XXXX. When I requested the payoff again on XX/XX/XXXX I was told that it could take up to 180 days to process the bankruptcy clearance before a payoff could be completed. I was told not to call back this week as it would not speed anything up. I called back today and was told that while they acknowledge that they have not met any of THEIR requirements to process a payoff, I would have to continue to wait while they try to get the information completed. They are running me around in circles while they acknowledge that they have not met their deadlines. I have DEMANDED a payoff balance to be processed immediately and they just tell me that they have " expedited my complaints '' and they are " working on it ''.
Product: Mortgage

I have received two documents with different interest rate increases. One is dated and the other is not. I am in an increasing interest rate modification. I do not know which one is correct. 

I do not contact SLS, they won't talk to me on the phone. I can only send emails.
Product: Credit reporting

A debt with XXXX was deleted then reinserted on credit file.
Product: Mortgage

On XX/XX/year>, our mortgage company ( XXXX XXXX ), make XXXX additional disbursements out of our escrow account to XXXX IDs that did not match our XXXX ID. Those amounts were for XXXX ID XXXX ( which belong to our neighbors ) and included County Taxes {$2200.00} and City Taxes {$1800.00}. When we received our new house payment effectively due XX/XX/year> that was adjusted for escrow, we noticed that they said our house payment would increase by {$700.00} per month due to escrow shortage. I logged into the XXXX portal to view the activity on XX/XX/year> to see why our payment would be increasing so much and saw they had made XXXX disbursements out of our account on XX/XX/year> .... XXXX of those were our own City and County taxes, and the other XXXX were unknown property City and County taxes. So in addition to paying someone elses property taxes out of our escrow, they also calculated our new payment that will be due XX/XX/year> based on XXXX property tax payments ( our XXXX and the unknown XXXX ). I immediately reached out to the company beginning XX/XX/year>, questioning these transactions, and asking for a revision to my new upcoming payment as well as returning the funds to my escrow that were fraudulently disbursed for an unknown property. I also called the company on XX/XX/year> and they assured me that a XXXX would return my call before XXXX am XX/XX/year>. I have still yet to get a call back and the only response they will give me is " we are researching the issue. '' I am attaching the email trail from the portal, the escrow activity showing all XXXX payments coming out of our account, the escrow analysis showing they incorrectly calculated my new payment to include XXXX tax payments instead of XXXX tax payments, a copy of our city and county taxes with accurate XXXX IDs, and a copy of the County tax notice for my neighbor which shows his parcel ID. XXXX still has not acknowledged their error, explained to us why our funds were used without our permission, or offered an apology for not catching the error themselves. We do not want to pay an incorrect house payment XX/XX/year> and think it is unfair to expect us to do so since it was not our error.
Product: Credit reporting, credit repair services, or other personal consumer reports

On Monday, XX/XX/2022 at around XXXX, XXXX XXXX XXXX XXXX XXXX ) from Rocket Mortgage called and at one point, he asked for my DOB which I thought was part of the process of completing the file for our mortgage account which was recently got transferred to Rocket Mortgage. NOT knowing that he pulled a hard credit report on my husband and I. He misled me by asking a series of questions and at that point, when he asked my DOB, I thought was all part of his job of completing our information. Unfortunately, he ran a credit report on my husband and I which I did not authorize.
Product: Credit reporting, credit repair services, or other personal consumer reports

Chex systems sent a notice by mail that an inquiry was ran on my consumer profile without my consent as my consumer profile has a freeze since 2017. I need explanation who ran the inquiry and for immediate removal of the inquiry.
Product: Credit reporting or other personal consumer reports

There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 

UNAUTHORIZED INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

I am writing to dispute the inaccurate information on my credit report. Specifically, I am contesting the account listed under the name XXXX XXXX. 

I would like to state clearly that I have no contracts or affiliations with XXXX XXXX XXXX, which appears to be associated with the account in question. Therefore, this account is inaccurately reported and should not be associated with my credit profile. 

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), I request that you investigate this matter promptly and remove the erroneous account from my credit report. Enclosed are copies of my credit report highlighting the disputed account for your reference.

Thank you for your prompt attention to this matter. I look forward to receiving confirmation that this incorrect information has been removed from my credit report. 

Equifax, XXXX, XXXX to promptly remove this from my credit.
Product: Money transfer, virtual currency, or money service

I had made arrangements with a person on XXXX to rent a property over the XXXX weekend. I had traded several emails and a few text messages and I was to pay this person using the XXXX service from my bank. Unfortunately, the " owner '' turned out to be a scam artist and essentially got away with {$1000.00} of my money. I called my bank Wells Fargo immediately to try to re-coup the lost funds. Wells Fargo told me there was nothing they could do about it. 
I called the XXXX customer service line, eventually spoke to a live person. XXXX does NOT have a fraud department. I asked to escalate my problem, and they just transferred my call back to Wells Fargo! 
There is NO accountability on the part of XXXX nor Wells Fargo for this fraudulent act. I called the local police to report the incident.
Product: Credit card

This complaint is to report the fraudulent opening of a Lowes credit card in my name and charging within a few dollars of the maximum limit of card. I do not have a Lowes card nor did I request one.
Product: Checking or savings account

I opened a new savings and checking account using a promotion that I received in the mail the last day of XX/XX/XXXX. For the savings account, I was supposed to receive a {$200.00} bonus if I deposited {$10000.00} and maintained that for three months. On XX/XX/XXXX, after the trial deposits were confirmed, I moved the funds over as I was instructed to. On XX/XX/XXXX, I was charged an unexpected service fee on the saving account ; however, I then deposited extra funds to maintain the average daily balance of {$10000.00}. 

I contacted the customer service line twice. The first time I was told that after the three months, it sometimes takes a statement cycle or two for it to show up. On XX/XX/XXXX, I again contacted customer service and was told that I would have needed to deposit the {$10000.00} on the day it was opened. When I told them that the banker had said that as long as I transferred the funds shortly after the account opening date ( the trial deposits were confirmed on XXXX and I transferred the funds on XXXX ), it wouldn't be a problem. I was then told by customer service that I would need to directly contact the banker who opened the account for me at the branch. That same day I emailed the banker, XXXX XXXX, and provided the information above. XXXX XXXX almost immediately replied that he would work on getting this resolved. That email from XXXX XXXX on XX/XX/XXXX was the last time I heard from him. I have followed up on XX/XX/XXXX and XX/XX/XXXX, and I have not yet received a response. 

The balance in the account remains over {$10000.00} as of XX/XX/XXXX. XXXX XXXX stated that they needed to keep the copy of the promotion mailer for the file, so I no longer have it in my possession.