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

They sent me an email saying that they had to close my accounts on the grounds that their research flagged my behavior as being suspicious. Technically, that constitutes a violation of what it says in the Constitution, because in the Constitution, a person is innocent until proven guilty and also in the Constitution, a complaint for more than {$20.00} in damages has a Constitution right to a trial by jury. They are essentially harassing me for the sake of my First Amendment beliefs and have portrayed me in a false light as some type of mischievous shady character who wants to do bad things to other people in order to protect their policies on the overdrafts and associated costs of banking.
Product: Credit reporting or other personal consumer reports

Fraud occurred on my credit card on XX/XX/XXXX and Bank of America refused to resolve the fraud claim for months even after I requested evidence that there was no fraud ( they had none ) and had them reopen my claim 4 times. After filing an initial report with the Consumer Finance Protection Bureau, Bank of America reversed the fraudulent charges as well as the penalty charges and late fees on my credit card statement. 

After this occurred, I received a phone call from XXXX from the conflict resolution department in Arizona wanting to confirm I was the one who made the report. I called her back and left a voicemail confirming that it was me who filed the claim. A couple weeks later I received a letter from Bank of America letting me know the fraudulent charges and late fees/penalty charges were reversed and the money was refunded back into my account. They also said that the reversals were permanent, thus resolving my fraud claim. 

I then attempted to refinance my mortgage in XX/XX/XXXX and was alerted that my credit score had not been reinstated back to its previous good standing, so I called XXXX with conflict resolution XXXX times asking her to call me back so I could get this resolved and that I expected Bank of America to alert the credit bureaus of the mistake on my credit score. I never got a phone call back after leaving multiple voicemail messages, and then I received a letter from Bank of America stating that they would not be contacting the credit bureaus because they would not be changing their initial decision that fraud had not occurred on my credit card. Even though they reversed the fraudulent charges and resolved my fraud claim, they are now saying that they are not changing their decision. 

I am absolutely LIVID that this has taken so long to get resolved, and now it is costing me money on top of undue stress and emotional duress while caring for a baby at home. I need Bank of America to contact the credit bureaus immediately and alert them of the mistake on my credit report to reinstate my previous good credit score that I had prior to the fraudulent charges on my credit card.
Product: Credit reporting or other personal consumer reports

I am not affiliated with the creditors listed, and the inquiries are not mine.
Product: Mortgage

To Whom It May Concern : Due to several inaccurate calculations on my account XXXX ( FHA XXXX ) with Mr. Copper ( loan mortgage company ), I would like to request this account to be audited/reviewed.

On XX/XX/XXXX, I closed the sale of my home and on XX/XX/XXXX the payoff wire was sent & received by Mr. Cooper as per their payoff demand ( pages 1-5 ) On XX/XX/XXXX, I notice my account was not yet closed. I contacted a customer service representative ( XXXX ) who informed me that due to disbursement of taxes made, the payoff amount increased {$470.00}, however it was not disclosed. In speaking with XXXX, I felt very discriminated due to my accent. She had an attitude and was very disrespectful. I decided to reach out to the title company. Me and escrow officer ( XXXX XXXX  ) XXXX XXXX XXXX, spoke with XXXX, who advised us they did not calculate enough funds in the escrow account to the disbursement that created a shortage on the wire payoff. We were informed initially that the shortage would only be {$470.00} due to the tax disbursement. I called back on the same day at about 1300 hours to make a payment on the shortage. Of {$470.00} and spoke with XXXX. She was very uncooperative and threatened me that if I did not make a payment of {$1200.00} fully satisfy the loan, Mr. Cooper would send the wire payoff back to the title company, causing for me to get a 30 day late. XXXX coerced me to pay an extra month of interest which was not needed. Paid confirmation # XXXX This is not the first time I have noticed extra charges being added to my account. In my mortgage loan statement XX/XX/XXXX, I neither noticed a charge for {$15.00} for an inspection never disclosed nor was I informed one was being done. ( see page 6 ). I spoke with representative ( XXXX XXXX ) who had no knowledge of what the inspection was for or why I was being charged.

I was very disappointed and concerned of the lack of customer service, disrespectfulness and how my loan was handled with these miscalculations. Further, their pay off demand was good through XX/XX/XXXX the day they received the wire. For that reason, I would like to request to be refunded the interest collected for the month of XXXX. I should not be penalized one additional months of interest when they received the pay off demand on time. Therefore, I would like to request my account XXXX ( XXXX XXXX ) with Mr. Copper ( loan mortgage company ), to be audited/reviewed. 

If you have any questions, please contact me at your earliest convenience. 

Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/2022, I received a debit card from Discover Bank. I was concerned because I do not have an account with Discover Bank. I immediately called Discover Bank to let them know that the account was fraudulent. Instead of closing the account, I was transferred to their fraud department which over a two-day period, I spent more than six hours on hold trying to speak to someone. One time, after being on hold for XXXX hours, I was disconnected and had to try again. Once I finally got to speak to someone late at night on XX/XX/XXXX, I was told that the account would be investigated but not closed immediately. When I asked when it would be closed, I was told that I would have to fill out some paperwork which I would receive in the mail. I have not received any paperwork in the mail, so as far as I know this fraudulent account which was opened on XX/XX/2022, is still open. I am also concerned that my identity was used so easily to open a fraudulent bank account with Discover Bank even though I have had a credit freeze with all credit bureaus for several years. I froze my credit because my personal information has been compromised in the past which was caused by security and data breaches at different companies.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I have identified the following item ( XXXX ) that contain inaccuracies : XXXX. Former : XXXX, XXXX, XXXX XXXX. The following personal information is incorrect Also Known As : XXXX, XXXX, XXXX XXXX. Former : XXXX XXXX XXXX. The following personal information is incorrect Former : XXXX XXXX XXXX XXXX following personal information is incorrect Also Known As : XXXX XXXX XXXX XXXX The following personal information is incorrect Also Known As : XXXX XXXX XXXX UN-AUTORIZED INQUIRIES XXXX XX/XX/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 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 ( DUOLICATE REPORTING ) XXXX XXXX  DATE OPENED : XX/XX/XXXX XXXX XXXX XXXX DATE OPENED : XX/XX/XXXX XXXX XXXX XXXX DATE OPENED XXXX XX/XX/XXXX XXXX { DUPLICATE REPORTING } In accordance with the Fair Credit Reporting Act, I hereby request that these items be thoroughly investigated and promptly removed from my credit report. It is my understanding that you are obligated to verify these items with the respective creditor. Any information that can not be verified by the creditor should be deleted. I am aware that as per 15 U.S.C. Sec. 1681i ( a ), you are required to complete this reinvestigation within 30 days of receiving this letter.

Please send an updated copy of my credit report to the address provided above. According to the act, there should be no charge for this updated report. Furthermore, I kindly request that you notify any party who has obtained my credit report in the past six months of the necessary corrections.

Thank you for your attention and assistance in resolving this matter.
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 Customer 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. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution 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

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 XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX, # XXXX 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 an account with out 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 7 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: Debt collection

A rep ( Assistant Director of Operations of the Process and Warrant Division ) from Coastal Financial Solutions called and left me a voicemail stating that there are allegations of fraud under my name and social security number that they had tried numerous times to talk to me about my loan debt, and that since this has n't been resolved outside of court and if it was n't resolved within 24 hours, that they would send my case back to my county for further processing to be scheduled. He said that if I want to get this resolved out of court I had only until XXXX EST to call him back. At this point, this was the first I had heard from them. If they had called previously, they did n't leave a message.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, Recently I submitted identity theft investigations to all three credit reporting agencies XXXX, XXXX, and Transunion. After receiving confirmation that the XXXX account in all three reports was deleted because it was fraudulent the XXXX company keeps on reporting it again. I don't know what to do, and it's already been deleted and it keeps coming back. Can you please delete it again and inform XXXX that this is a fraudulent account and to not report it again please? 

Thank you, XXXX XXXX
Product: Credit card or prepaid card

I canceled my Experian Credit membership on XX/XX/XXXX and still are being charged {$24.00} each month. I have tried to call experian and they told me I don't have account and it is not possible for me to be charged for this service. But every month I have to call XXXX card and dispute the charges. The charges have been removed from up to XX/XX/XXXX. I sent a letter to experian on XX/XX/XXXX, in regards to these charges. Included with letter was a copy of the cancelation of my membership. Experian asked for me to send them proof that the charges were being charged to my credit card. I have also received out to XXXX card, XXXX and XXXX I called XXXX requesting to put a freeze on this account so no charges could be made. However the charges are still being put on my account. In XXXX I called XXXX again and their suggestion was to close that card and reissue me another card and I was assured at that time, that would fix the issue. But once again the charges from experian were on processed on XX/XX/XXXX. When I called XXXX card they said I would have to contact experian. I have tried several times today and got someone and was disconnected after a few minutes. Tried several more times and can only reach a recording and then it hangs up on me. Please help with this issue.
Product: Debt collection

My father XXXX XXXX XXXX, XXXX passed away on XX/XX/2018. He had opened an account with XXXX XXXX a year or so prior to his death, and bought a table and two stools. The account went unpaid. After his death I saw that it was on my credit report ( I am XXXX XXXX XXXX, XXXX. ). Jefferson Capital continues to send me bills and collection attempts for {$580.00} for JCS reference # XXXX despite being informed of this wrong attribution, as well as also informing XXXX and the three credit reporting agencies via disputes. I do not know what else to do to stop the collection attempts and also fix my credit rating. 

JEFFERSON CAPITAL XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX  XXXX. XXXX XXXX XXXX, GA XXXX XXXX XXXX. XXXX XXXX XXXX, PA XXXX
Product: Credit reporting or other personal consumer reports

The credit report shows an amount on my credit report which is paid off for Sloan/Nelnet
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX Account # XXXX and XXXX XXXX, XXXX Account # XXXX have violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. XXXX has a totally different credit profile on XXXX. Also, I have provided proof of being a victim of identity theft. I have filed a complaint with XXXX  and my next actions will be to have an intent to file a lawsuit.
Product: Credit reporting or other personal consumer reports

I was a victim of ID theft. As a result numerous credit card accounts were opened w/t my knowledge, permission and authority. 
Despite contacting credit reporting company numerous times, nothing was done. 
Transition keeps reporting old and incorrect information that affects my XXXX  my Family well being.. 
I'm unable to get proper credit rating XXXX being denied loans, mortgages, credit cards...
Product: Credit reporting or other personal consumer reports

Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution. 
EQUIFAX MORTGAGE XXXX Inquired on XX/XX/XXXX EQUIFAX MORTGAGE XXXX Inquired on 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 EQUIFAX MORTGAGE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Performant Financial Corp did an " Hard ' inquiry ( which decreased my fico credit score. Any Hard inquiries decreases your credit scores ) without telling and/or informing me that they were going to inquire about me on my credit report. I did not sign and/or give verbal authorization as well. When I called to ask for them to delete from my credit report, Performant Financial Corp will not. When asked to provide any documentation that I gave authorization to inquire, they will not provide it to me. Per FCRA I have a right to request for this inquiry to be removed from my credit report. Attached is a copy of my credit report XXXX page XXXX inquiry down Performant Financial Corp inquiry, XXXX page my rights. Please remove from my credit report. Thank you
Product: Student loan

I have been paying towards my principal amount for a couple of years for a loan that has an original balance of {$6800.00}, interest rate 4.25 %. My current balance says {$6700.00} and when I look up payment history, one year alone has about {$300.00} towards principal amount.
Product: Credit reporting or other personal consumer reports

I lodged a complaint with these XX/XX/XXXX a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the XXXX, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than XX/XX/XXXX days since I filed a complaint with these XX/XX/XXXX, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXXXX/XX/XXXXXXXX data breach.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to CORRECT some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be UPDATED. The credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXXXXXX 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 reporting or other personal consumer reports

Company involved is Transunion can not get them to correct my e-mail address on the authentication page. It sends code to wrong e-mail address. So i can't change my password. Got hung up on twice by customer service representatives working on my account. Did Not receive a call back from their specialist team. As promised. Their website is to encumber some and to many login pages for a senior citizen to use. Their terminology of each webpage is confusing and needs to be simplified of its contents. 
Thanks XXXX XXXX
Product: Credit card or prepaid card

XX/XX/ {$80.00} XXXX  {$200.00} XXXX  {$300.00} XX/XX/ {$300.00} Transactions that occured through cash app. It was a scam for a property that was said to be for rent. I had requested a refund through the cash app with no response yet to my concerns. I am concerned not just for myself but for the many lives who have been a victim of fraud.
Product: Student loan

Good Morning, my name is XXXX XXXX and I've formally submitted a complaint on a company called XXXX XXXX. I was under the impression that my monthly payments towards XXXX XXXX was going to my student loans however, when I went to apply for my first credit card years ago - I noticed many negative ( late payments ) marks on my account. It was to my surprise that the payments I was making to XXXX XXXX weren't for my loan, but instead, for a service they offered that consisted of refinancing and monitoring my loan. 

After paying a few credit repair agencies I was thoroughly helped by one of them. We took a deep dive into why I had so many negative marks on my account, hindering my credit from going above a 600. At a granular level we were able to discover the pattern, my payments towards XXXX XXXX aligned with my late payments to FedLoan. 

I've given up on seeking justice and getting myself back to where I was before I found out about XXXX XXXX. I'm filing this complaint with the hope that someone will fight for me to get these items removed from my credit report. 

Kind Regards, XXXX
Product: Debt collection

I have reached out to all the credit reporting agencies such as Transunion, XXXX and XXXX and tried to dispute the over {$1900.00} claimed on my credit report that I owe XXXX XXXX XXXX. Just recently I've tried to get this erroneous fraudlent debt removed. The credit bureau agencies kept saying per XXXX this debt is valid and true. I have always maintained my stance this is not True. I have been failed by the system. I have been fighting this for over 3 years. Its affected my quality of life renting apartment paying outrageous deposits, higher interest rates etc. Finally just this year XXXX XXXX XXXX managed by XXXX XXXX XXXX have admitted to the error that it was a Giltch in their system. This error was listed on my credit XX/XX/XXXX they claim the error was found XXXX but as late as XX/XX/XXXX XXXX claimed I owed over {$1900.00} even though it should be {$180.00}. It makes it seems like this was a deliberate violation that everyone is cohoots with. How can this happen? I thought all debt were to be validated. I want the bill to be completely expunged for my pain and suffering. See complaint # XXXX where the Director of XXXX claims it can take up to over 90 days to correct this items with the credit bureau XXXX This is slanderous, devious and Not right at all. I want this debt immediately removed from my credit. The credit bureau need to have better business practice to safeguard consumers. I will go to the Attorney General Office to file a complaint against all the Credit reporting agencies and seek further guidance what my rights are from a Attorney. How did the original creditor find the discrepancy in XXXX and Nobody knew.
Product: Credit card or prepaid card

American Express serve will not let me close my account. I have had so many issues from withdrawing money to my son accession the Sub account i opened for him. They dont ever have a supervisor to speak with. They hang up on me. They blocked me from accessing my account for about XXXX week. And they refuse to let me close the account. Also since my dispute with them I have been receiving random calls from numbers that are disconnected and a lot of Robo calls