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

I am sending this to formally submit a follow up complaint regarding an unfortunate incident of identity theft that I have recently experienced, I previously submit a complaint dated XX/XX/XXXX. In accordance with the Fair Credit Reporting Act ( FCRA ) Section 605B, I kindly request your assistance in rectifying the discrepancies in my credit report. The specific identity theft incident is documented under Report # XXXX. Enclosed with this communication, you will find the necessary documentation to support the removal of inaccuracies associated with the following items from my credit report : XXXX : XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$920.00} XXXXXXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$400.00} XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX Balance : {$920.00XXXX XXXX  XXXX Balance : {$400.00} TRANSUNION : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX XXXX : {$920.00} XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$400.00}
Product: Checking or savings account

On XXXX, XXXXXXXX XXXX  I received a charge titled : " reverse disputed item. '' The amount was $ XXXX. My account balance is now $ XXXX and Discover is preventing use of my account because they claim that the balance is negative. I originally filed a dispute for two fraudulent ACH transactions, and in response they opened an investigation, closed my account, and reopened a new one in its place for security purposes. When I called today on XX/XX/year>, after a brief period of not checking my account balance ( NOR USING MY CARD OR ACCOUNT AT ALL ), they claimed that they decided that an investigation regarding two ACH transactions I disputed was not legitimate, MONTHS after it was filed. With NO notice. I received no letter to either my old or new address on file with the company. The supervisor that I spoke to ( after having an unhelpful conversation with a regular staffer in their disputes dept. ) kept repeating that " [ I ] was made whole '' and was very vague as to why they took provisional credit that I was entitled to off my account. They claim provisional credit was put in after I filed the investigation and they closed the dispute against my favor, WITH NO NOTICE OR EXPLANATION. They have allowed fraud to happen on my account and are telling me I owe them {$4600.00} and have a set amount of time to pay them. I want my account balance restored to wherever it should have been before they charged me {$8600.00}. It should be in the positive. I was taken from by Discover and they refuse to do anything but send me the letter only now, explaining why I " owe them money. '' They told me I can " submit supporting documentation, '' which they know I have none of due to the nature of fraudulent charges. I could only provide them a screenshot or a bank statement and they have the power to decline it once again and steal from me, just as I was originally stolen from when someone made two massive ACH transactions with my account. I need help restoring my account and helping me with Discover 's fraudulent, non-transparent, negligent, and dishonest practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 


XXXX Name : XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXXXXXX XXXX Employer : XXXX XXXX XXXX XXXX XXXX XXXX Addresses : XXXX XXXX XXXX, MI XXXX XXXXXXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX  XXXX, PA XXXX XXXX XXXX XXXX XXXX, TX XXXX Inquiry : XXXX XX/XX/XXXX Collecons : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian Addresses : XXXX XXXX XXXX  XXXX XXXX, CO XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX  XXXX XXXX, CO XXXX XXXX XXXX XXXX XXXX, KS XXXX XXXX XXXX XXXX, KS XXXX Employer XXXX XXXX XXXX XXXX Inquiries : XXXX XX/XX/XXXX US SM BUS ADMIN XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX Collecons : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Name : XXXX XXXX XXXX Addresses : XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, FL XXXX Inquiry : XXXX XX/XX/XXXX Collecons : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX client, XXXX XXXX is a victim of identity theft. She was notified by THD/CBNA of a fraudulent application submitted with her information without her consent. An inquiry was made into her XXXX and XXXX   credit report XX/XX/XXXX related to that application. A formal dispute of this information was submitted to THD/CBNA XX/XX/XXXX. An XXXX credit report obtained XX/XX/XXXX shows this fraudulent related inquiry still being reported. Per FCRA guidelines, once an item is noted as fraudulent the item is to be either suppressed or removed from the credit report ( s ). This is a violation of the FCRA and my clients consumer rights.
Product: Student loan

Dear Consumer Financial Protection Bureau, I am writing to formally address my ongoing issue with Nelnet regarding the failure to reissue a reimbursement check and the conflicting information provided to me throughout the process. This situation arose after the closure of the school I was attending, for which I had already made payments toward my student loans. 

Upon the schools closure, I was informed that I would receive a reimbursement check. After not receiving it, I contacted Nelnet on XX/XX/year>, and spoke to a representative named XXXX XXXX He informed me that the check had already been cashed and that the U.S. Department of the Treasury would send me a fraud package to begin an investigation. Despite this assurance, I never received the fraud package. 

When I followed up with Nelnet for more information, I was given conflicting instructions. On the second call, I was told that a replacement check would be reissued. However, I have neither received the fraud package nor the replacement check, nor have I been provided any details regarding who cashed the original check, although that information should be available. 

I firmly believe that Nelnet failed to sufficiently investigate this matter. They did not send the fraud package as promised and failed to provide tracking information for the package, which would have ensured I received it. Additionally, there has been no transparency regarding who cashed the check, a detail that should be readily accessible. 

Every time I reached out to Nelnet, my concerns were either dismissed or met with vague responses. Now I understand whybecause there was a time limit on how long I had to address this issue, which has now expired. This seems highly suspicious and feels like a calculated avoidance of responsibility. 

It is incredibly disheartening that Nelnet has treated this matter with such disregard. I am a person, not just an account number, and I have worked hard to pay off my loans. It is only right that I receive what is rightfully owed to me. 

I kindly request that my case be revisited and that appropriate actions be taken to rectify this situation, including the reissue of the reimbursement check or further investigation into the fraudulent cashing of the original check. 

Thank you for your time and attention to this matter. I look forward to your assistance in resolving this issue. 

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

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, Experian, XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of Accounts 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Checking or savings account

Some of my XXXX transfers in the beginning when I first started using XXXX might not have been accurate transfers. When I had called they said the money had already came out of my account.
Product: Checking or savings account

On XX/XX/2019 I check my checking account activities with T.D.Bank and saw that my account was negative {$14.00} Immediately I transfer {$17.00} from my savings to my checking. so that should cover the negative and left {$3.00} Then my brother made a deposit into my checking account of {$20.00} on XX/XX/2019 wish was the next day. When I check my account on that day there was a charge of {$35.00} for overdraft fee. That was a error from the bank I file a complaint with the XXXX and I check my account a few days later and was another fee of {$35.00}. 

This is fraud I'm sick and tired of having problems with this bank the whole year. I'm a XXXX Senior Citizen with fixed income, and can't afford to be wasting money giving it to any banking institutions. I is always involved in error by the customer service department. 

When you call the Customer Service Representative they be very rude and unprofessional on the phone. I suffer from XXXX also XXXX XXXX XXXX.They are robbing me from my food money. I don't get food stamps here in XXXX XXXX County Virginia were I reside. 

This is all for now My name is XXXX XXXX XXXX my checking account number is XXXX Attach you will see proof of my account activity and the transfers deposit
Product: Credit reporting or other personal consumer reports

I am following up to update you on my recent complaint and to reiterate my dispute regarding certain entries on my credit report. To support my claim, I have submitted an Identity Theft Report # XXXX, aligning with the requirements of FCRA section 605B ( a ) ( 1 ) ( 2 ). This mandates the removal of any entries identified as fraudulent from my credit file within four business days upon receipt of ( 1 ) appropriate proof of my identity and ( 2 ) the identity theft report. The entries still pending removal are listed below : 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 XXXXEQUIFAX : 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  I emphasize the four-business-day timeframe for the removal of these fraudulent entries from my credit file. Additionally, I request the avoidance of automated verification processes like XXXX and ask for the results to be sent to my provided address.
Product: Credit reporting or other personal consumer reports

To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible. 

Inquiry from XXXX on XX/XX/. 
Inquiry from XXXX XXXX on XX/XX/.
Product: Mortgage

In XX/XX/, I received a letter from XXXX claiming I didn't pay my property taxes. Since the inception of my mortgage, my property taxes have been paid timely automatically from my Escrow. However, LoanSnap calculate and factor in adequate property taxes into my refinance mortgage, causing me to receive an embarrassing rebuke from the County, for which, I entrusted this responsibility to LoanSnap at inception and closing of refinancing of my mortgage. Due to LoanSnap 's error, my escrow accout was short one of the two required property tax payments to XXXX, in which unexpectedly set me back ~ {$2800.00}.
Product: Vehicle loan or lease

there are many inquiries in my credit from auto that docent belong to me and no i did not tray to get a car so please help me remove this from my credit
Product: Checking or savings account

My complaint is against Suntrust bank and their treatment of XXXX people. 
I submitted a pay for my internet bill and was short {$44.00}. They immediately began charging me overdraft fees. At this writing if have been charged almost {$200.00} in overdraft fees. I do not have that kind of money. I will be receiving Social Security benefits in 9 months until that time I have no income. I went through my savings because it took Social Security almost 5 years to approve my case. In the several times I called Suntrust Ive had to ask to speak with someone in the USA because I cant understand the XXXX  language. They have passed erroneous information back and forth because of the language barrier. They expect me to know and understand how their system works and if you ( I ) cant figure it out they treat you in a demeaning and disrespectful way. I need help because Im XXXX and cant fight a bank and people who are not XXXX cant fight them either. 
XX/XX/2020
Product: Money transfer, virtual currency, or money service

I went to DolEx express at XXXX meat market, XXXX XXXX XXXX XXXX XXXX Tx XXXX to transfer {$650.00} to XXXX XXXX, since I was trying to buy a phone, the seller lives in North Carolina but he wanted me to send the money to his daughter in XXXX XXXX, he sent a tracking number of the phone that he sent through XXXX, so, I was supposed to wait until I get the phone to give him the PIN number so that they can get receive the money so I asked the lady at store that was helping me with the transaction, I asked her if there's a way that they can get the money without the PIN number, she said there's no way they can get the money without this PIN number, so, I completed the transaction and asked her if it's fraud can I cancel this transaction he said yes that all I need to do is go back to the store with the confirmation, then I realized the man just blocked me from XXXX since he got the money without any PIN number, so, I went back to store since the lady told me there's no problem to get a refund, and told me that once they get the money there's no way I can get a refund ... The PIN number is XXXX Pds number XXXX. I made transaction on XX/XX/2019
Product: Checking or savings account

I have a saving account with Bank of America ( BOA ) since XX/XX/XXXX. Basically, I don't need to pay the maintenance fee for this account if I set up auto transfer between my BoA accounts for at least {$25.00}. And in past 7 years, I didn't receive any maintenance fee charge for this account. But when I checked my statement yesterday, I found I had been charged { {$5.00} } maintenance fee since XX/XX/XXXX, and had been charged 21 times, { {$100.00} } in total. So I called the customer service to figure out what happened, on XX/XX/XXXX. Then both the agent and his manager told me, in XXXX XXXX, BOA changed the fee waiver criteria, and customers would be charged for { {$5.00} } maintenance fee unless they meet certain new criteria. They can not refund me the charged fees and closed my account. I asked when the notice sent out to the customers because I didn't receive any notice of this change ( I confirmed this by checking through my email inbox as I never received any paper mails regarding this change ). Then I was told the policy change was listed in one of the regular quarterly statements, online only, the one in XXXX XXXX. This is totally reckless, misleading, and arbitrary. If the bank decides to do the change, which will potentially damage customers benefits it should notify customers in a more direct and transparent way. It's hard for me to find the information from one of many statements, especially given the fact that this information is attached after a blank page which is usually the ending page of the lengthy monthly statements. The agent told me all the savings customers were notified this way- through one of the monthly online statements. So not only me, many other customers were treated unfairly by BoA during this fee change.
Product: Debt collection

I send NACS a certified letter with return receipt asking for proof of verification which they signed the return receipt but failed to provide me with what I requested.
Product: Mortgage

My mortgage company sent out three different payment for my flood insurance which made my escrow went up dramatically for the past XXXX months. I am trying to solve this issue and no one can not help me. Everyone is giving me the push wrong. My mortgage is going up {XXXX almost every month and I do not know what to do, I spent hours on the phone every week trying to solve this and no one is helping me. I am not getting anywhere.
Product: Credit reporting, credit repair services, or other personal consumer reports

Multiple soft inquires for insurance companies, credit agencies, phone companies, & security companies I never made appear on one or more of my credit reports. Multiple incorrect addresses, land line and cell phone numbers belonging to other people and a phone loan I was never notified of, given a contact for or signed for in the amount of several hundred dollars also appear. I requested correct information for all updates and changes and although I now received all these new reports from all 3 bureaus ( 3 from XX/XX/XXXX and 2 from XXXX ) I am still seeing the same incorrect telephone numbers ( not mine but still attached to my social security number ). I contacted all the companies repeatedly and they said to contact the credit agencies and the credit agencies told me to contact them. I did BOTH, hundreds of times. I need the cell phone numbers not belonging to me removed because I believe my stalkers has access to them and I have a restraining order. Please help. I've tried everything. I called, wrote letters, requested new reports, complained to 311 ... BUT this false information STILL remains on all my credit reports. It's not just effecting my credit, it's effecting my health and well being.
Product: Debt collection

In late XX/XX/XXXXor early XX/XX/XXXX, I opened a XXXX credit card with XXXX XXXX XXXX with a {$500.00} credit limit. I used it and paid minimum payments each month. Approximately three years later, I learned that the bank had increased the interest on the card such that my regular payments were not lowering the amount and in fact it was increasing. I contacted the bank and asked for the interest to be lowered so I could pay the card off and was refused. By this time, I had already paid well over the amount I ever charged on the card. As such, I decided to make no further payments and shredded the card. I have no recollection of receiving further statements or notification that the account was being sent to collections, but in XX/XX/XXXX I was notified by GCFS that they had purchased by debt from XXXX XXXX and that I now owed them {$2500.00}. I received several harrassing messages from XXXX XXXX and, thereafter, I was served with papers notifying me that I was being sued by GCFS. I appeared in court on the date set forth on the papers only to be told that the court date had been changed and that the judge had ruled in favor of GCFS. Last week, my bank account at XXXX was levied and GCFS will take everything that was in it ( {$500.00} ) on XX/XX/XXXX. I should have been notified that the court date with GCFS had been changed. I also question whether or not it is legal to take a {$500.00} debt ( or even a {$2500.00} debt ) and turn it into {$6000.00} by filing in Court. Please help. I would like to get out from under this debt, but can't afford {$6000.00} and especially can't afford to have them take everything in my bank account that I need to live on. Thanks.
Product: Mortgage

I ca n't access my account online or make a payment. I do n't even get a paper statement in the mail. I 'm now getting calls from Ditech about paying my mortgage, BUT I CA N'T BECAUSE THEIR WEBSITE DOES N'T WORK!!! This is crazy. Ditech is damaging my credit. I do n't even know my account number or the amount of my payment without access to their website or where to mail a payment. I never agreed to do business with this company -- my mortgage was sold to them. Ditech 's website often does not work.