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

On XX/XX/XXXX I got a letter for my bank saying that 3 of my car payments were returned from XXXX XXXX and XXXXeach payment was for XXXX dls each month money the I pay with my debit card and money the I never received back those payments are posted as returns to my account on XX/XX/XXXX i never saw that money. On XX/XX/XXXX I went to the branch of the bank to see what happened with that money and the banker supposed to help me make a claim for that and he explain to me the company was gon na give my money back and they may have to close the account and open a new but unfortunately not they just close my account the i had for almost 7 years and they decide for me not to open anymore an account with them or any other back at the end of everything they ended charge me for XXXX on fees
Product: Student loan

I never took any money from any loan. I never took any classes. The disbursement of any loans for school were handled directly between Sallie Mae and XXXX XXXX. The loan with Sallie Mae was approved but never used. The college course was cancelled at the appropriate time with no faults or penalties. I have no late fee or payments that I owe. If the administrative personnel who is supposed to be in charge of making sure cancelled courses and payment disbursements aren't sent out did not complete the job correctly. It does not falter onto me if this is not resolved with the upmost urgency I will have no choice but to purse legal action.
Product: Mortgage

I have been trying to short sale my home with SPS since  XXXX / XXXX / XXXX . The short sale has been denied multiple times for " missing documents '' despite the fact that I have resubmitted the documents multiple times. Most recently, the short sale was denied on  XXXX   XXXX ,  XXXX . The file was re-opened on  XXXX   XXXX  and I submitted the required documents.  SPS  requested my updated paystubs and bank statements. On  XXXX   XXXX , I submitted my former employer 's letter of employment showing I was laid off in  XXXX   XXXX  and not currently employed. A phone call was made to SPS on  XXXX   XXXX ,  XXXX . I was advised that the file was  COMPLETE  as of  XXXX   XXXX  and had been forwarded to underwriting for a final decision in 30 days. On  XXXX   XXXX , another phone call was made. SPS advised they had approved me for a loan modification. I am unemployed, how am I supposed to make any payments? This is the reason I 'm pursuing a short sale. I followed up on  XXXX   XXXX . I was told by SPS that my short sale was DENIED on  XXXX   XXXX  for missing documents. What documents? They told me the file was complete as of  XXXX   XXXX . They never requested any documents on my follow up phone calls  XXXX   XXXX  or  XXXX   XXXX .
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX fail to respond to my dispute. I have dispute on XX/XX/31 no update Ive called XXXX and they denied that they did not receive any mail however my mail was delivered and sign up its already been 30 days and there still has been no action. I also have copies of receipt to prove that Ive sent my dispute and they were signed for : XXXX  keeps Updating my information with properly investigation and refuse to send a letter stating how they validate the debt. I also filled a dispute with Experians And they keep updating my dispute without properly verification I ask for them to send me a proof of how my debt was validate and they refused to do it. FCRA and XXXX states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. The credit bureau has been reporting unverifiable and inaccurate information on my credit report which has damaged my credit. I intend to litigate if this information is not " DELETED '' from my report. Please do not " update '' or " verify '' this information again without doing a due diligence.
Product: Credit reporting or other personal consumer reports

XXXX5 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 Dear CFPB, I am writing to bring to your attention significant discrepancies in my credit reports. I have reviewed my credit reports from XXXX XXXX XXXXXXXX, Experian, XXXX, XXXX, and I have identified numerous inaccuracies, including but not limited Theyre is incorrect account information, inaccurate balances, and accounts that do not belong to me. 
hard inquiries, collections, and closed accounts that dont belong to me or should not be public. 
I have taken the necessary steps to dispute these inaccuracies directly with the credit reporting agencies, but the discrepancies persist. I am concerned about the potential negative impact on my creditworthiness and financial well-being as a result of these inaccuracies. 
Hard Inquiries And closed accounts XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I kindly request that the CFPB investigate these discrepancies and take appropriate action to rectify the errors in my credit reports. 

Additionally, I have attached copies of any supporting documents that validate my claims regarding the inaccuracies in my credit reports. I believe that a thorough investigation will reveal that these discrepancies are indeed erroneous. 

I appreciate your prompt attention to this matter and your assistance in resolving these issues. Please inform me of the steps the CFPB will take to investigate this matter and the expected timeline for resolution. 

Thank you for your help in rectifying these credit report discrepancies and ensuring the accuracy of my credit history. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Va XXXX Phone XXXX Email XXXX XXXX XXXX
Product: Credit card or prepaid card

Capital One runs Capital One XXXXXXXX- a website providing members with rebates on certain purchases that are paid out via gift cards. 

In XX/XX/2022, while I was shopping online, I received an offer from Capital One Shopping for 24 % off an item I had previously viewed. I activated this offer and purchased the item from the partner website. The calculated rebate amount is {$400.00}. 

I subsequently noticed that while the shopping trip was recorded in my Capital One XXXX account, the purchase and expected rebate amount was not recorded ( i.e., it saw that I visited the partner website but did not register the purchase ). As a result, I sent an email to help @ XXXX ( the only way to contact them ) describing the issue and providing a comprehensive set of documents evidencing their offer and the completed transaction. It has been three months and despite several follow-ups to this email address, there has been no meaningful action to resolve this matter. In most cases, they simply do not respond. 

I am owed a {$400.00} gift card from them and believe this to be a bait and switch incident that is also unfair and deceptive.
Product: Mortgage

We did not recieve our statement for XX/XX/XXXX. We contacted Loancare Llc to get them to resend a statement ( never arrived ) and get our loan number so we could make a payment. The payment for XX/XX/XXXX was made on XX/XX/XXXX. Once again we did not receive a statement for XXXX. We logged on to their website to make the payment. We were immediately shown that we were behind by one payment and that we needed to make a double payment to catch up. We made the double payment just to make sure there would not be any issues. I have attached screen shots of the emails and online account info to back this up.
Product: Student loan

I am with a qualifying employer for the PSLF and have been employed with them for over 10 years. I was told in XXXX that in order to qualify for the PSLF program I had to consolidate my student loans with a particular company that would make me eligible for the loan forgiveness program. After consolidating and becoming eligible for the program. I was told that I would not be granted forgiveness for the loans dating XXXX XXXX and to present date in XXXX because I consolidated and opened up a new loan. THe consolidation is looked at as a new loan. The consolidation made me ineligible for the TEPLF ( Temporary Loan Forgiveness Program ) which would make me eligible back in XXXX. 

The Consolidation caused miss information and I was mishandled. This misinformation made me as the consumer and I am sure other consumers unable to utilize the program to help individuals come out of student loan debt sooner and benefit from the program. This seems to only benefit the company and would warrant an investigation since consumers are being provided wrong information that only benefits the loan handler.
Product: Credit reporting or other personal consumer reports

I have discovered that my credit report was accessed or furnished without my explicit authorization. This unauthorized action is a blatant infringement on my rights, and I will not tolerate the mishandling of my sensitive information. 

This serves as a formal and urgent demand for the immediate rectification of an egregious violation of my rights under the Fair Credit Reporting Act ( FCRA ). Specifically, I am referencing 15 U.S.C. 1681b, which clearly dictates that a consumers credit report may only be furnished under specific, lawful circumstancesone of which is written consent from the consumer. Let me make this clear : I never provided your agency with any such consent to access, furnish, or distribute my personal credit information.
Product: Credit card or prepaid card

I closed this account in XX/XX/2023 with a balance of {$600.00}. I made a {$200.00} payment at least three times. But the balance keeps going up. I learned last week that the account was not closed and that two different phone numbers had been added to the account. Discover also claims that they did not receive the {$200.00} payment that I made over the phone with them in XXXX. I filed a fraud claim 9 days ago and I was assured that the account was closed. 

I received a letter from Discover today via XXXX mail thanking me for reopening my account. The account is supposed to be under investigation for fraud. Not only did Discover reopen the account they increased the APR to 27.99 %
Product: Credit reporting, credit repair services, or other personal consumer reports

WAS A VICTIM OF ID THEFT/FRAUD AND A CREDIT CARD WAS OPENED IN 2018 FROM XXXX XXXX  XXXX CREDIT CARD AND I HAVE BEEN DISPUTING THIS SINCE 2018 AND FILED FTC ID REPORT AND POLICE REPORT BACK IN 2018 BUT RECENT TRAGEDIES FIRE TO HOUSE, HEALTH ISSUES, XXXX XXXX AND MOVING AND LOSE OF JOB DUE TO HEALTH ISSUES. I CALLED EXPERIAN AND ASKED THEM MANY MANY MANY TIMES TO REMOVE THE CHARGE OFF FROM MY CREDIT REPORT AS IT IS NOT MINE, I SENT THEM LETTERS FROM THE CREDIT CARD COMPANY SAYING IT IS NOT MINE AND ALSO CALLED OTHER AGENCIES THAT I WAS TOLD SOLD IT TOO THEM ( ANOTHER COLLECTION COMPANY ) KNOW ITS XXXX XXXX XXXX WHO CLAIM THEY HAVE IT BUT WHEN I CALLED THEM AND VERIFIED MY INFO THEY SAID THEY HAVE NO INFORMATION ON ME. SO I ASKED THEM TO CONTACT EXPERIAN AS THAT IS THE ONLY REPORTING AGENCY THAT HAS IT ON MY CREDIT REPORT, XXXX AND XXXX HAS REMOVED IT BUT EXPERIAN WONT AND I AM FRUSTRATED BY ALL THIS AND THEY WILL NOT HELP ME. THEY ARE RUDE NASTY UNPLEASANT TO DEAL WITH AT EXPERIAN I SENT THEM MANY DOCUMENTS BUT OF COURSE THEY HAVE BEEN LOST BY THEM IN RECENT MONTHS. THE CREDIT CARD IS NOT MINE.
Product: Credit card or prepaid card

i have an account with back of America, and i think they been increasing all fees on my 2 credit cards now I'm struggling to pay them off i would like to you guys check on my history
Product: Credit reporting or other personal consumer reports

I was just looking over my credit report and found some inaccuracies that I am demanding you correct. 
According to the Fair Credit Reporting Act, you are required by federal law to ensure that all details being reported on an account must be 100 % accurate and verifiable. If you are unable to fix these inaccuraces for any accounts listed, then per FCRA requirements please remove the inaccurate account entirely from my credit report. 
Here are the inaccuracies I have identified : Account Name : COMENITYBANK/COMENIT Account Number : XXXX Reason : Account is closed Instruction : This account is closed, please investigate why it is not being reported as such or remove it from my credit report because it is reporting inaccurately
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm a victim of identify theft. 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. These accounts have been in dispute for the last couple years don't belong to me and I have sent in disputes about the accounts. I was told that I should also send in the FTC reports. I did that along with all information to show who I am. Yet when Experian got all the information I was told that it couldn't be removed due to disputing too many times. As well as it didn't show fraud before, when in fact it does. I have asked for proof to show that the accounts belong to me and are verified with the original contracts, signatures, dates and driver license to prove this matter. Yet Experian says that they can't provide the information as they don't have to but also can't remove.
Product: Credit card or prepaid card

I went to att.com to pay a one-time fee of {$360.00}, the remainder of a phone installment plan I had with XXXX. I have a chat transcript with XXXX that shows the phone payoff was a one-time fee of {$360.00}, as well as a statement on my XXXX purchase history showing this was a one-time fee of {$360.00} XXXX tried to charge XXXX of my chase cards ( Chase XXXX ), which XXXX not go through and I also received text message and email " fraud alerts '' claiming my charge did not go through, to approve it, and try again. I tried on a second Chase card ( Chase Sapphire ), XXXX attempt did not go through and XXXX did. 

Again, all invoices and all documentation show I had a one-time installment payoff of {$360.00}, there is no record of XXXX being owed {$360.00} multiple times. 

While only XXXX of the charges should have been posted to my Chase card, all XXXX were then posted due to the chase fraud alert system and what may have been issues with the internet payment system. 

Chase claims XXXX provided documentation to prove that the XXXX additional charges of {$360.00} were accurate, however, neither Chase nor XXXX have provided me proof of invoice of more than the one-time {$360.00} charge owed to XXXX, nor have they provided proof that I approved more than a one-time charge. 

This was a one-time payoff of an installment plan for a phone, which is clearly documented in both invoices, chat transcripts, and bill history on my XXXX account. There is absolutely no legal reason that XXXX can claim the additional XXXX charges that were posted to Chase due to the fraud alert system are accurate. 

The resolution : please refund XXXX of the additional charges of {$360.00} that were errors in processing. I should be left with only XXXX charge of {$360.00} on XXXX card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX the consumer, Continue to Be damaged by the injurious nature of XXXX XXXX US DEPARTMENT OF EDUCATION. This is in response to XXXX documentation and response thereof. XXXX XXXX has Documented evidence of my account in a forbearance status with no interest incurring. XXXX has also denied my claim which is being rejected. As I am a victim of identity theft due to the fact of XXXX XXXX AND ON BEHALF OF US DEPARTMENT OF EDUCATION ( technical third party with no standing ) TO BUY and securitized my information to EXPERIAN,. This is not authorized.. this is a data breach. It has been stated by XXXX That they must Furnish my account data proving they had no real reason only that must, XXXX claim is not valid only a violation as to having no absolute grounds to furnish and did so WITHOUT MY CONSENT. if a reason was so it would have been listed, WE MUST does not mean we are able to ignore the consumer and make decisions without them. WITHOUT THEIR CONSENT which is in fact identity theft. XXXX XXXX also claims they are lender but not have provided any 1099 A or C copies for my tax purposes, nor 1099 XXXX or any forms that are supposed to be filed with the IRS that have not been and have also been acknowledged on form XXXX. At this time it is being requested : The original transaction with US DEPARTMENT OF EDUCATION to clear up my name and to prove the theft of my Identity. As XXXX is REQUIRED TO PROVIDE THE ORIGINAL TRANSACTION DOCUMENTS pursuant to FCRA sec 609E. And attached. I XXXX the consumer know I am the lender and with the credit, XXXX has still not answered HOW YOU WERE ABLE TO OBTAIN MY INFORMATION. According to XXXX the consumer, you had no PERMISSIBLE PERMISSIBLE OR WRITTEN. CONSENT TO FURNISH A REPORT. In addition to the accuracy of the report pursuant to 15 USC 1681 AE you have not asked the consumer XXXX if the information is actually true. Instead violated my privacy rights, unalienable rights, and federal rights protected as a consumer.
Product: Credit card or prepaid card

I recieved an email XX/XX/23 stating that due to my credit report, my credit limit will be decreased. I reviewed my credit report and noticed there was very little change to the report between the time I opened the card and the time that I recieved this email. When I attempted to find out from the bank why this is, they refuse to tell me. During this same conversation, the representative procedes to insult me and directed me towards their legal team when I asked to find out how to file a complaint towards this individual. After this they closed the chat.

Im still working with the reasonable employees of this bank to find out what they saw in the credit report, as I am still being told Im not allowed to know.
Product: Bank account or service

Wells Fargo has repeatedly charged me overdraft fees of {$35.00} on charges instead of declining them. When I inquired about the charges, the representative told me that I had signed up for overdraft protection. The only overdraft protection I ever signed up for was when I had my checking and savings accounts linked, and if my checking was short then they 'd transfer it from my savings. I did not sign up to be charged this amount for not having enough funds for as little as a {$5.00} charge. 

They are also not allowing charges to post when they are incurred. For example, I had a charge for my child 's tuition and XXXX bill come through on my account, and saw them posted. The next day the charges were gone and the money was back in my account. Then a couple of days later, the charges were there again. This type of back and forth can make someone think there is more money in their account than there actually is. I recently had a charge on XXXX/XXXX/16 and it did n't come through to my account until XXXX/XXXX/16. By that time, my account was overdrawn and that {$20.00} charge ballooned into {$55.00} ( with their {$35.00} fee added ). This has happened to other people that I have spoken to also that have accounts at Wells Fargo.
Product: Credit reporting or other personal consumer reports

I trust this letter finds you well. I am writing to express my continued frustration and disappointment with the persistent presence of fraudulent items on my credit report, despite multiple attempts on my part to rectify this situation. I have submitted multiple disputes, provided supporting documentation, and taken all necessary steps to address the fraudulent activities affecting my credit history. 

The fraudulent items in question have been a source of considerable distress and financial hardship. Despite my diligent efforts to follow your established dispute resolution process, I have not seen a satisfactory resolution to this matter. I have enclosed copies of my previous dispute letters, supporting documentation, and any relevant correspondence for your reference. 

I understand the importance of thorough investigations in cases of identity theft or fraud, and I appreciate the complexities involved. However, the prolonged existence of these fraudulent items on my credit report is adversely impacting my ability to secure credit, obtain favorable interest rates, and maintain financial stability. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I have a right to accurate and fair credit reporting. I urge you to conduct a comprehensive review of my case, expedite the investigation process, and take immediate action to remove the fraudulent items from my credit report. 

I kindly request regular updates on the progress of the investigation and prompt resolution of this matter. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

This is my several attempts to notify you that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services, or money that I have made or authorized. Please block the reporting of any items in my credit file that resulted from alleged identity theft. The following items are listed below : XXXX XXXX Balance : {$2500.00}, XXXX ' BA XX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts are fraudulent accounts inwhich has mentally and emotionally taken affect on me. In addition the 3 major credit reporting agencies are reporting these accounts without physical documentation. I'm now demanding the Method of Verification inwhich was used in the process of the investigative matter of these accounts. I'm demanding the name and title of the investigator. Also what method was used, tlphone, fax, XXXX XXXX, etc. If you nor your companies can provide this information then please remove and block these accounts immediately. 

1 ) XXXXXXXX XXXX  {$190.00} 2 ) XXXX XXXX XXXX XXXX 3 ) XXXX XXXX 4 ) XXXX
Product: Bank account or service

This morning I tried to use my account to gas in my car and found out that my card, that they sent to me 2nd day air was closed. I called and they said a fraud was done against the bank. I did file a claim for funds that were taken out of my account two day before but it was fraud against me ... I talk to the rep and she said that I will receive my funds in 60 days. I explain to them that my money was just deposit into the account and that money was to used for food for the kids and to be able to have gas for the car to get back and forth to work. I told them we had no other money then the money that was in the account they closed. I do n't get paid for two weeks now and have no money to feed my family or pay my bills. I ask them to red label my funds in a cashier check and I would pay for the cost. They said no and it is against banks guidelines. My family can not go a day with out our funds. I did n't even have enough to put gas in the car to take my son to school and get to work. How can they hold my funds like that and give me no ability to use it. This has put me into hardship