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

About a week ago I opened an account online with SunTrust. I was approved and given my checking account number and savings number and told to make a deposit. I made a deposit with the intention on paying some bills and the branch employee took my cash and there was no issue. Yesterday I go to withdraw {$50.00} and right in branch I was told my account was closed and they didn't have to give a reason. My auto pay was set up for that account and as a result I occured returned check fees because I was never told how or why they closed the account and if there was a problem why approve it in the first place. This account messed up my bills and caused me a lot of late fees and check return fee because it was closed without my knowledge. This account even appeared on my credit report as a NEW OPENED ACCOUNT. But SunTrust wasn't the company I was told about. They did not take care of me and I will be telling everyone on my blog and my website and everyone business owner in my XXXX XXXX XXXX not to bank with this company!
Product: Money transfer, virtual currency, or money service

I will be filling a complaint against cashapp ( Block , Inc ) due to inadequate customer service and unfair practices which violate the consumer financial protection act. Specifically cash app failed to take timely and effective measures to prevent and address fraud on their platform leaving my account vulnerable and unprotected. furthermore their dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under electronic fund transfer act. Regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

XXXX v. Equifax Information Services XXXX XXXX. 
United States XXXX XXXX, XXXX. Georgia, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX. XXXX ( S.D. XXXX XXXX XXXX, XXXX ) XXXX XXXX XXXX XXXX XXXX. XXXX. 
XX/XX/XXXX ORDER XXXX XXXX, Senior District Judge Plaintiff, XXXX XXXX, filed this action against Defendant, Equifax Information Services, XXXX ( " Equifax '' ), asserting violations of the Fair Credit Reporting Act, codified at 15 U.S.C.A. 1681- 1681x ( " FCRA '' ). The case is before the Court on the parties ' cross-motions for summary judgment Equifax is a credit reporting agency, and it operates an automated credit reporting system. Under this system, the company does not investigate the accuracy of consumers ' account information submitted by creditors upon receipt. According to Equifax, it presumes that the information submitted is accurate because it endeavors to do business only with reputable merchants and financial institutions. According to XXXX XXXX, a supervisor in Equifax 's Office of Consumer Affairs, if a consumer disputes a credit item, Equifax initiates an investigation of the disputed information. 
In early XXXX, XXXX contends that she discovered that her Equifax credit report contained false information, indicating that she was indebted to XXXX XXXX and XXXX XXXX XXXX. Another account that XXXX disputed was a XXXX XXXX collections account relating to the purported XXXX debt. According to XXXX, The XXXX XXXX brought suit against her XXXX times to collect her alleged debt. XXXX reported that, although she answered each suit, The XXXX XXXX failed to appear to prosecute the suit twice and, on the third occasion, judgment was rendered in her favor. 
On XX/XX/XXXX, XXXX wrote XXXX letters, XXXX regarding each account, to notify Equifax that she disputed the account information, and to demand that the accounts be removed from her file. Although XXXX sent the letters by certified mail, Equifax did not remove the credit items from her report, or otherwise address her concerns. Instead, the company waited over a year to do anything about her complaints. Equifax maintains that it has no record of having received her letters, so it could not attempt to validate the debts at that time. However, Equifax does not deny that XXXX sent the letters, and a certified mail receipt shows that the letters were received by Equifax on XX/XX/XXXX. Doc. No. XXXX at XXXX ; XXXX. No. XXXX at XXXX.
Product: Credit card or prepaid card

I made a purchase on XX/XX/2022 in the amount of {$8700.00} to XXXX XXXX XXXX. 
- on XX/XX/2022 I received an email from XXXX XXXX XXXX letting me know that they were no longer doing business, and advising me to contact their insolvency firm to deal with the matter - after several contacts, it became clear that XXXX XXXX XXXX would not reimburse us with any funds. 
- on XX/XX/2022 I faxed a letter to I made a purchase on XX/XX/2022 in the amount of {$8700.00} to XXXX XXXX XXXX. 
- on XX/XX/2022 I received an email from XXXX XXXX XXXX letting me know that they were no longer doing business, and advising me to contact their insolvency firm to deal with the matter - after several contacts, it became clear that XXXX XXXX XXXX would not reimburse us with any funds. 
- on XX/XX/2022 I faxed a letter to Barclays AAdvantage Mastercard credit card with corresponding documentation on explanation letter - Barclays AAdvantage Mastercard first declined the reimbursement with excuse that I had payed the bill for the subject from my checking account - it was explained to Barclays AAdvantage Mastercard that the bill was payed before XXXX XXXX XXXX advised us that they would not fulfil the service that i had payed for - Barclays AAdvantage Mastercard the changed their story and advised us that because the claim was filled as a " fraud '' - even though it was clearly stated in the faxed letters that the claim was a " dispute '' - that Barclays AAdvantage Mastercard would refuse to reimburse me for the purchase. 
credit card with corresponding documentation on explanation letter - Barclays XXXXvantage Mastercard first declined the reimbursement with excuse that I had paid the bill for the subject from my checking account - it was explained to Barclays AAdvantage Mastercard that the bill was paid before XXXX XXXX XXXX advised us that they would not fulfil the service that i had payed for, I always pay my statements in full in order to avoid interest and late charges - Barclays AAdvantage Mastercard the changed their story and advised us that because the claim was filled as a " fraud '' - even though it was clearly stated in the faxed letters that the claim was a " dispute '' - that Barclays AAdvantage Mastercard would refuse to reimburse me for the purchase.
Product: Credit reporting or other personal consumer reports

I sent certified mail to equifax, XXXX, and XXXX  disputing fraudulent charges on my credit file. They were reporting wrong addresses, name spellings, and other personal information that was invalid, I disputed the companies on all three agencies by certified mail as well as the companies these charges were from, I included copies of state identification, passport, utility bills of correct address, police report of everything that was stolen, equifax breach letter with me being a claimant, and court case from one of the collections on my credit file they have not been removed its been over 30 days. XXXX gives you the run around saying there system is down and they can not transfer to a supervisor. It is almost near impossible for them to fix anything with my credit profile. I have been a victim of identity theft since XXXX  and have been dealing with these issues and till today still have not received a resolution. I want a valid answers according to the laws of the F C R A they have not done it and I am being affected daily. I sent all three bureaus 29 page documents with photo copies include proof sent by certified mail receipt no further information was provided from any of the credit repoting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contact XXXX XXXX & credit reporting agency, Equifax to remove the fraudulent hard inquiry from my credit report dated XX/XX/XXXX. I have yet to see any changes made to my credit report as in today. I have reached out many times but yet no changes have been made.
Product: Student loan

In XX/XX/2023 I called Nelnet, my student loan servicer, to switch my payment plan from the graduated repayment plan ( plan that starts with a low payment and incrementally increases over the years ) to a standard repayment plan ( set payment amount for the duration of the loan lifecycle ). The individual I spoke to said she would be able to switch my plan without issue, and also remove my deferment because I was automatically placed on it without wanting it. I wait for over a month and find that my plan has not been switched over. 

I call back again, this time on hold for over an hour. I was told that the prior customer service representative did not execute the plan switch correctly. She promised she would have it corrected. Then put me on hold for more time to speak with her supervisor and then told me it was corrected. I asked for a confirmation and this individual told me it would be coming. I keep checking back to confirm whether my account has been corrected, and of course, it had not. 

So I called back again, for a third time, now on hold for over an HOUR AND A HALF, this time practically begging for help. This representative told me yet another error had occurred, and they switched me to the same plan that I was already on? How does that make sense? I stated multiple times and very slowly which plan I needed to be on. She said it was corrected, that a confirmation would be coming, and to wait a few days for the change to reflect in my account. 

I waited. And waited, until about two weeks pass by and I log into my account to find that it is completely messed up. My account says my next payment due is around {$190.00}, much lower than what I should be paying, and that three of my loans have been placed back into deferment without my knowledge or consent. I was so furious it almost brought me to tears. I decided to call back then was told by the IVR that the wait time was over an hour long. 

At this point I need help because I can not get this resolved on my own. I am not a borrower who is looking to defer my loans or find my way out of an obligation. I want to pay these loans down and not get buried in interest, and I am doing my best to get on a plan that will allow me to stay ahead of interest and pay these down in a manner I can afford. 

Nelnet 's incompetence creates serious risk for borrowers. I am at risk for getting buried in interest by setting payments so low, combined with a lack of transparency on how to make a principal payment to offset this nightmare, I don't know how to protect myself from a financial harm I am trying to avoid and Nelnet has represented as being available to me without additional approval processes. I need my account corrected immediately because the outcome of this could result in months and even years of hardship. 

Please help.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : IDTheftReport_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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection/Charge Off XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Personal Information : Former : XXXX XXXX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, TX XXXX Previous Address ( es ) : XXXX XXXX  XXXX XXXX XXXX, TX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Employers : XXXX XXXX  Employers : XXXX XXXX XXXX Employers : XXXX XXXX  Employers : XXXX XXXX Also Known As : XXXX XXXX XXXX Also Known As : XXXX XXXX Also Known As : XXXX XXXX Also Known As : XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in 60 days to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an inquiry from Zions XXXX XXXX dated XX/XX/1974 that I do not recognize nor recall initiating. 

It is appearing on my XXXX  credit report.
Product: Credit reporting or other personal consumer reports

Im writing to your company to report XXXX, Experian and XXXX on the bases that they are furnishing incorrect information on my report and to complete the dispute process. Im demanding that the following information be deleted from my credit report as referenced in The Fair Debt Collection Practices Act Law 111-203, title X, 124 Stat. 2092 ( 2010 ) Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 ( b ) ( i ) ( c- ) ( f ) ( FCRA ). These items were supposed to be deleted no LESS than 4 days after my intial dispute due to their origin in nature ( Identity Theft as stated in US Code 1681 c-2 ). As stated in US Code 16819 ( i ), as investigation must be done to prove the validity of the accuracy of information being reported which has not been done/ The items I need deleted have been listed in the form of a letter sent to all three credit reporting services as of XX/XX/XXXX and again on XX/XX/XXXX. I am a victim of identity theft because I did not authorize these charges or accounts and they have been furnished on my report without my consent or knowledge. I did not make these unauthorized charges or open these fraudulent accounts. I ask that the items be deleted to correct my credit report. I would appreciate it if you deleted these items immediately as it is incorrect and thus hindering me from utilizing my own credit to afford essential expenses for myself and my family. This issue is frustrating and I just ask that I can be assisted in any way to help my situation.
Product: Student loan

Student loans were transferred from Nelnet to XXXX as of XX/XX/XXXX. Both companies display on my credit report with outstanding balances. Nelnet balances have not been updated to show {$0.00} balances. Therefore according to my credit report I owe XXXX  the amount I actually owe. I filed a dispute with Nelnet on XXXX XXXX and they failed to update the balances. I filed a dispute again on XX/XX/XXXX and they failed to update the balances. I contacted Nelnet by phone on XXXX XXXX and they confirmed my accounts had {$0.00} balances as they were transferred to XXXX in XX/XX/XXXX. They said however, it was XXXX  responsibility to report to the credit bureau that they purchased the loans from Nelnet and that would in turn zero the balance out. Nelnet suggested I reach out to XXXX. I contacted XXXX by phone on XX/XX/XXXX and was informed they would initiate a dispute on my behalf to assist as Nelnet should report updated balances and account status to the credit bureau. They also suggested I file this complaint as this was not the XXXX  time theyve received notification of XXXX failure to accurately report balances.
Product: Credit reporting, credit repair services, or other personal consumer reports

I made a payment with XXXX XXXX XXXX to bring my balance to XXXX on XX/XX/2022. My balance is currently at a XXXX balance with no payment due and is current and active as of XX/XX/2022 Ive made numerous disputes with Experian, XXXX and XXXX for them to update my balance to XXXX balance with no past due amount. But they are still responding to the disputes with my old account balance and saying my account has a balance and past due when it is not. XXXX XXXX XXXX  even provided me a letter stating my account is current with a XXXX balance and not past due and they refuse to update. I have a current dispute with Experian.
Product: Student loan

I have been trying to get a forbearance or deferment for over a year and I am continuously denied. I am working but I dont make a lot of money and I have medical bills from being XXXX and having XXXX XXXX. Navi ent is not willing to work with me. I have also tried to lower my payments and seek loan forgiveness as a NJ XXXX employee for the past eleven years
Product: Checking or savings account

I filed a dispute on XX/XX/year> regarding unauthorized purchases. I received an email on XX/XX/year> stating that Sofi decided that my dispute was actually under the reason code " cancelled recurring membership '' despite the fact that the merchant does not have memberships. Since they falsely changed the reason code, they're also denying a provisional credit. Their dispute department is only available via email and does not give the information you request, they simply tell you that it will be resolved within 120 or 90 days.
Product: Bank account or service

Hello my name is XXXX XXXX I just recentaly opened a checking and savings account with chase bank. after 2 days of me doing so and depositing a big sum of XXXX XXXX dollars they randomly without no reason or sort of any answere just decided to close down my account, without at least a notice. Now they closed down my account and they are holding my money that belongs to me and will not release it to me. fine if my account has been closed there should be no reason why I have to wait for any reason to have my money given back to me. This has been the worse experience I have ever had with a financial institution. It has made me feel like if I have commited a crime or if I was a criminal. Now I need to request for my money to be refunded back to me asap. I am a good citizen and have good credit and this what chase is doing to me not even the brach where my account was opened has never been seen or heard of. I need immediate action on this situation.
Product: Mortgage

XXXX informed me that I owe additional monies on my HUD mortgage. This was the very first letter I received and my mortgage company, Mr. Cooper, is not responding to my inquiries. The letter indicates that my total outstanding partial claim is {$47000.00}. I don't understand where this is coming from. My mortgage payments have been on time. It is saying that HUD paid my primary mortgage when I was refinancing during covid. They never said anything about additional monies I would owe. If I did owe additional monies, why wasn't it added to my mortgage balance, and why am I hearing of this now???
Product: Credit card or prepaid card

Synchrony Bank, owner of XXXX XXXX XXXX, Master card, Accounts. On trying to get my cash Rebate for 2018, Purchases made, closes my Account, without my approval. I have been with XXXX XXXX XXXX for more than 20 Years, never late, never over drawn on my limit, I have been very upset on being treated in such an Insulting manner, never the less, now the XXXX Bank is saying since my account has been closed, my earned Rebate is vanished, no managers coming on phone to resolve the matterXXXX.Now the Bank is sending me letter mentioning that My Account was closed on my Request which is a Total LIE.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$920.00} ; XXXX XXXX XXXX Balance : {$4000.00} ; XXXX XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00}.
Product: Vehicle loan or lease

I have a loan of XXXX $ with nationwide LCC, They added XXXX $ to my loan account, According to the little information i received they stated it was due to no full coverage on my car. I have the needed proof that shows the vehicle has always been fully covered.
Product: Credit reporting or other personal consumer reports

Dear XXXX XXXX XXXX, I am writing to report a fraudulent account listed on my credit report under XXXX XXXX XXXX, which was opened without my knowledge or consent. This is a clear case of identity theft. I have provided police report and contacted the FTC. 

Creditor Details : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX Phone : ( XXXX ) XXXX Original Creditor : XXXX XXXX XXXX, XXXX. 

I have already informed both entities about the identity theft but have been denied any information about the alleged debt. Under the Fair Credit Reporting Act ( FCRA ), I request a prompt investigation into this matter and the removal of this account from my credit report. 

Please confirm receipt of this request and outline the steps you will take to address this issue. 

Thank you for your attention to this urgent matter. 

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

Two collection accounts have just appeared on my credit report. They are from XXXX XXXX XXXX XXXX and XXXX XXXX. These should not be placed on my report! They are fraudulent! See old dispute letters!