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

Fifteen days from the current date, I will be updating my credit reports, and I anticipate the prompt removal of the fraudulent items from my file in accordance with FCRA Section 605b. Credit Reporting Agencies are mandated to eliminate any items listed on an identity theft report, specifically report # XXXX. I urge strict adherence to this legal requirement. My sole objective is the expeditious removal of inaccurate information and inquiries from my credit reports to ensure the precision of my credit records. The items to be removed, categorized by bureau, are as follows : -- -- -- -- -- -- -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit card or prepaid card

On XX/XX/XXXX, There was a credit card opened in my name through the XXXX XXXX XXXX in XXXX. This is for a timeshare. I canceled the timeshare contract within the right of rescission period. Mailing all documents, certified mail to XXXX XXXX in XXXX. I was credited for the majority of the charges, minus {$95.00} for 'promotional materials '. I did not know i had to return any promotional materials as this was never discussed nor verified in any materials. After 60 days,, XX/XX/XXXX, Bank of American re-billed the credit card account for the disputed {$95.00}. Stating that I would need to dispute the charge by providing any additional information by XX/XX/XXXX. I did not receive the document until XX/XX/XXXX. At that time, I called and told them I will mail back any promotional materials I received, as I was not allowed by XXXX XXXX to Return the promotional material to their local location, instead having to mail it to their office at XXXX XXXX   XXXX, ATTN : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX. 
I returned the promotional material via certified mail which they received as of XX/XX/XXXX. I have a copy of the return receipt as well as the letter I sent to the company requesting refund of the {$95.00}. I was in contact with Bank of America during this process and they said via their customer service that as long as i have a tracking number for the returned promotional items, that they would notate the account. I attempted to provide this to their employees and they transferred me to their Merchant Dispute Department on XX/XX/XXXX at XXXX. I explained I did not receive their letter until well after the 'closing date ' of their final dispute and they stated, it was electronically sent, I do not have this listed in their Bank of American Application and told them so. They said there's nothing else they will do for me as the time-frames have passed. I was told this by their 'manager/supervisor ' XXXX XXXX in Employee Billing. XXXX XXXX, XXXX. I would like for the CFPB to review this claim and I can provide details as to the certified mail for both the initial right of rescission as well as the return of any promotional materials.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act ( 15 USC 1681 section 602 a ), it is crucial to ensure that consumer reporting agencies fulfill their significant responsibilities with fairness, impartiality, and a commitment to respecting the privacy rights of consumers. As recognized consumer reporting agencies, both XXXX and XXXX, and myself as the consumer, possess the right to safeguard personal information, as emphasized by 15 USC 6801, outlining Congress 's policy that financial institutions actively uphold customer privacy. Designated as a " Furnisher of information to credit agencies '' within the financial institution category, 15 USC 1681 section 604 a section 2 specifies that a consumer reporting agency may only furnish a consumer report based on the written instructions of the respective consumer. Furthermore, 15 USC 1681C ( a ) ( 5 ) explicitly states that a consumer reporting agency is forbidden from including certain adverse information in a consumer report without obtaining proper authorization. Reporting this account as an adverse item without my permission constitutes a clear violation of this legal provision. In alignment with 15 U.S. Code 1681s-2 ( A ) ( 1 ) A, it is prohibited for a person to provide inaccurate information to a consumer reporting agency if they know or reasonably believe it to be inaccurate.
Product: Student loan

It was brought to my attention that Navient has not been able to prove ownership of many student loans as well as mishandling of payments, documentation of loans, and steering people into forbearance, etc. To ensure that I will not have to pay my Navient Student Loans twice in the event Navient does n't actually own them, I called Navient twice ( XX/XX/XXXX -- XX/XX/XXXX ) and requested documentation of ownership of said loans. Both times I called Navient, they sent me a standard billing document and I have yet to receive any documentation showing proof of loan ownership by Navient. 

Both times I called, I specifically asked for documentation showing all of my student loans owned by Navient. I clarified that if I did not receive documentation that it would be my understanding that the student loans were not owned by Navient. The CSR stated that, " Yes that is correct. The documents that will be sent to your email will contain a link to your Navient owned loans ''. 

I have attached 3 documents : 1. ecorrespondence XX/XX/XXXX I received this document after my first call to Navient 2. ecorrespondence XX/XX/XXXX I received this document after my second call to Navient 3. Student Loan XX/XX/XXXX This is a screenshot of my Navient loan page What I am looking for is proof of ownership by Navient of all of my student loans.
Product: Mortgage

In XX/XX/XXXX we were forced to file for chapter XXXX bankruptcy to avoid foreclosure. We were found eligible and began making payments towards our 5 year plan on all our debts in XX/XX/XXXX. On XX/XX/XXXX we were granted a discharge for successfully completing our payments. But come XX/XX/XXXX our mortgage servicer claimed that we were still in arrears and now to this date we owe them {$25000.00} even after the bankruptcy was discharged. Our bankruptcy lawyer at the time was in constant communication with the servicers lawyers and on a few occasions they said we had fallen behind but when we presented bank payment documents stating that we had n't owed them any monies they would we assumed take the documents as valid and never got back saying we were wrong. We were unclear on why they waited so long to come after us for any past arrears at the very start when they noticed we had allegedly owed them money supposedly since XX/XX/XXXX when oddly enough is when the new servicer Select Portfolio boarded the loan our original servicer was XXXX XXXX XXXX. Nonetheless after thinking we were in the clear but were n't in order not to go through foreclosure again we applied for a loan modification/deferral but were only approved by the investors of Select Portfolio for a 12 month repayment plan of {$3600.00} and our mortgage is {$1500.00} and we do n't see how we can afford to make these payments without ever falling behind again on all of our bills.
Product: Prepaid card

I was given a XXXX dollar gift card from my boss for thanksgiving on XX/XX/year>. I have been trying to activate it on XXXX. When i put all the correct information in it tells me system error and to try again. It never works. I called the XXXX which is the amex giftcard customer service and they told me they cant activate it and to activate it on amexgiftcard.com. I told them I did that multiple times and they ended up telling me they couldnt help me. This is so infuriating and im starting to believe amex is running a scam with all the reports iv seen online.
Product: Checking or savings account

Approximately 2 weeks ago, I had been notified of suspicious activity with my Chase Bank account by phone. On this call I was notified that over a span of a day, a check deemed fraudulent was deposited in my account without my permission or authority. 
The check was issued to my name, however was unsigned, proven by photos of the check sent by Chase. The fraudulent check was immediately made available despite its obvious signs of being fake. The suspects then overdrew my account, withdrawing {$2600.00}. Leaving my account overdrawn by {$1600.00}. Chase denied to give me any information regarding the transactions to make a proper police report. they froze my account, leaving me unable to access my money and information regarding the incident. I was on the phone with chase daily attempting to reconcile the situation. Chase approved a fraudulent and unsigned check. Chase repeatedly denied my claim, for a week. I then received a letter in the mail deeming the check deposited fraudulent. Chase then closed my accounts without any warning, and sent me a bill in the mail for XXXX USC of overdraft fees. I am currently XXXX   and am now left with a bill of {$1600.00}, due to chase 's negligence, I am unable to pay for my medical expenses and vital XXXX care for my child due to chase closing my accounts with them after nearly 15 years of banking. 

Check copy sent to me in mail, i can provided upon investigation. 
However, I can not provide any other documents at this moment due to my account being terminated without my permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, reported my account as late 30-59 days in XX/XX/XXXX.XX/XX/XXXX Statement was delivered by the bank to the wrong email address electronically. I never received. Once it became obvious that the statement did not show up, I called the bank to inquire and was told that there was a small balance due. I paid it in full immediately and the bank waived the late fee from my account as they undersatood what has happened. 
However, the late fee mark was never removed from my credit report. I can initaiated multiple requests through the bank and the credit bureaus with no result. 
I believe it is unfair to have this derogatory mark on the my credit report for no fault of my own. The balance was promptly paid and the email address has been corrected. 
My account with chase is still open and current and has never any late payment ever. 
I am turning to you to assist in mediating this issue due to the hardship it is placing on my unfairly. 
Thank you Bank info : XXXX XXXX XXXX. XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices., which violate the Consumer Financial Protection Act ( CFPA ).

Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Money transfer, virtual currency, or money service

Business Information Name : Wells Fargo XXXX XXXX XXXX XXXX : XXXX , Fl Zip/Postal Code:XXXX Issues/Description of Complaint : In XX/XX/2018, two checks were cashed on my account in XXXX, Florida. I am a resident of Nc. The checks were cashed for the full amount on 2 days back to back. The checks were from a XXXX account that did not exist. The only form of ID requested was my account number. The amount of the 2 checks was over XXXX. When the checks bounced the choose, they chose not to call me, but to send me a letter. In the letter, they said that since funds were not available in the checking account, they took the money from my money market. I filed paper work 10 days later and the amount was refunded. 
At that time, I was told that a teller at the branch cashed both checks. There was no attempt to verify the identity of the person. All that was presented was the bogus checks with the account number on the back of the check. My funds were returned based on my signature. 
I filed a police report with the XXXX County Sheriff 's Office. 

It has been 11 months and WF has repeatedly denied my requests for further information to file restraining orders against the individual. 
I have been told that since I was reimbursed by the FDIC I am no longer a victim. WF is the victim because they assumed the debt. Another letter, claimed that WF is too busy to verify every persons ID that presents a check to a teller.

I have moved my accounts from WF. The WF service representatives in Nc have told me the branch in XXXX violated standard operating procedure and there is no way that that amount of cash should have been dispursed without a managers signature. 

My current bankers feels that it was an inside job involving at least 3 people ... the fraudster, the teller and a manager. I have been unable to find an indication that this crime was ever investigated. I have filed an official complaint with the OCC, FBI and the XX/XX/XXXX.
Product: Credit card

I received a notification from my credit monitoring today, XXXX, that a credit card was opened in my name. All my credit accounts are frozen and no cards should have been issued. But, current bank does not even list a phone number to contact them. Obviously this company thrives off of issuing cards off of stolen information. Please help me resolve and remove this from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I continue to ask both the credit agency and the furnisher, to please provide me with verification of the debt in question, because I have an adult son with the same exact name. XXXX continues to put addresses that I have not lived at, but my son has on my credit profile. When I have reached out to both about not only the method or verification, but also some kind of proof. 
They both just send me letters saying it has been verified. I sent these same issues to XXXX and they have all been removed. XXXX and XXXX continue to play these games saying its been verified or they update it with even more wrong information. 
I have attached screen shots from both credit bureaus of the accounts in question, and Im asking for physical proof to not only be sent to me, but also a copy sent to the CFPB as well. I want all these negative accounts that have no proof of belonging to me removed from ALL my credit reports. 
XXXX # XXXX not only have different dates closed, and is also missing payment history, and the information on the account is incomplete. Offer some physical proof this account does indeed belong to me or remove it! 
XXXX XXXX XXXX XXXX # XXXX is also missing information on payment history. Please provide some physical proof that is account belongs to me, or remove it! 
XXXX XXXX XXXX  # XXXX this account is showing different close dates and missing payment history. This account is incomplete. Please provide physical proof this account does belong to me or remove it! 
XXXX # XXXX Is missing payment history, shows inaccurate information and shows late 120 days back-to-back months. Please provide physical proof this account belongs to me or remove it! 
XXXX XXXX  XXXX # XXXX This account shows inaccurate XXXX shows the account closed XX/XX/20 and XXXX shows it closed in XXXX with back-to-back 120 months. Not sure how this was verified as accurate with all this mistakes. Please show proof this account belongs to me or remove it! 
XXXX XXXX XXXX This account is on my report multiple times with different information. I have an active XXXX account that I sin good standing and they have this mixed negative account on my reports also. I have missing information, inaccurate information. Please provide proof that the NEGATIVE accounts on my account belong to me with some kind of physical proof. If not remove the NEGATIVE accounts from my profiles! 
XXXX XXXX XXXX # XXXX This account is missing payment information, and has yet to verify that it belongs to me. Please provide some type of proof this account belongs to me. How was it opened and closed in the same month with missing payment history.
Product: Credit reporting

The XXXX account listed on my TransUnion credit report shows as past due for XXXX payments of {$9800.00} ( credit report excerpt attached ). This account is current and no delinquency exists. The other credit bureaus show the correct information and XXXX company on-line information ( attached to this complaint ) shows my account as current and I 'm told updated information should be on my credit report showing the account is current with no late payments. I already submitted a CFPB complaint ( # XXXX ) and it was corrected by TransUnion ; then on XXXX/XXXX/15 it again shows as late. This account needs to be corrected again asap as I am trying to purchase a car and I ca n't get financing.
Product: Credit reporting or other personal consumer reports

SageStream , LLC released information to XXXXXXXX XXXX which got me denied credit. I have not given consent to SageStream , LLC to release any such information. I also have not inspected any report to validate any information to ensure it is accurate.
Product: Credit card or prepaid card

This complaint was previously filed un der Case No .  XXXX  and I have tried numerous times before that to get Bank of America to correct their records.     I continue to receive confidential information from Bank of America f or one of thei r customers.     I am NOT a Bank of America customer.   I DO NOT KNOW that customer.     Bank of America, in a letter to me dated  XXXX / XXXX / XXXX   XXXX  attached ), and in response to the ab ove Case No. replied, " Our records do not reflect you as an owner or authorized user on the account  referenced ... '' Exactly my point. So, why do you keep sending me information about that account of which I am not an owner??     Today,  XXXX   XXXX ,  XXXX , I received the following email from Bank of Ame rica ( origi nal message attached ) : " Dear  XXXX   XXXX  : The authorization code you requested is listed below.   Authorization code: XXXX  Please note that this code is temporary. If you try entering the authorization code and it has expired, you 'll need to request a  new one. . .. '' Why is Bank of America incapable of contacting their customer and finding out what the correct email address for this account is?     Instead, the Bank keeps divulging confidential information to me, who, as they correctly state, is neither an owner nor authorized user.
Product: Credit card

I received a bill from Sychrony in XXXX saying that I had an unpaid balance of {$72.00} plus {$42.00} for late fees and interest. I called them and told them that I did not even know what the charge was for and I reported to the fraud department. I was told that I would be getting a form from the fraud department. I received the form, filled it out and mailed it on the XXXX of XXXX. After not hearing from Synchrony, I assumed the problem was resolved. However, I received a bill XX/XX/year> for {$200.00}. {$45.00} of that bill was for more fees and interest. I immediately called them again to report that I dont know what I am being charged for. They said they would check into it again, but at this point I dont trust that it will be resolved.
Product: Credit card or prepaid card

I paid for a trip to XXXX with a company called XXXX XXXX XXXX. The company went out of business. As soon as I found out that the company went out of business I called capital one. They refunded my money but then took it back saying I was past the deadline. I paid for the trip well before the trip was going to happen. I contacted capital one as soon as I found out the business went under. I could not have known the business would go under. If I had known, I would've canceled the trip and received my refund from capital one in a timely manner.
Product: Student loan

I have been a part-time student through XXXX University this Fall XXXX. My student loans have come from multiple colleges during my studies, but Nelnet has serviced them all. I submitted a request for deferment first to Nelnet as directed by their email, in which I received notice that my loan was due that month on XX/XX/XXXX  through their website. When I submitted the deferment request, the website said they would contact my school and get back to me. However, I never received any notice about them contacting my school or any update on the status of my deferment, only a reminder email that my payment was due that month again. I sent another request on XX/XX/XXXX and am still waiting to receive any information from Nelnet related to my deferment requests. Except to receive an email stating that they considered my account " past due '' and requesting {$650.00} as of XX/XX/XXXX, considering I notified Nelnet on multiple occasions and gave them time to contact XXXX to verify that I am attending, I should not have to make the payment, nor should it be " late '' since I was a part-time student and should not have to make payments yet. I searched Nelnet 's website, hoping to locate records of my deferment requests that I made through the website, which is supposed to be the proper method of requesting deferment. Still, this information is not available on the website to students. Perhaps they likely do not want evidence of their misbehavior to be easily accessible to students. I am a night shift XXXX, so it is difficult, at best, to contact Nelnet by phone during their regular business hours. For clarification, the FA from XXXX was related to charges being taken off of the bill because we were the first group trying out a new major component of the course in Fall I so it was a " scholarship '' from XXXX. But I believe it would demonstrate that I was enrolled with XXXX.
Product: Mortgage

I was included in the scam that Wells Fargo had going on between XXXX ( approx )... I was never approved for the loan modification and now I get a letter indicating that the loan was approved [ this is not correct ]. Wells Fargo sent me a check for {$1500.00} apologizing for the inconvenience. This is literally a slap in the face! I know that I am owed more than this!!!! Here they go again trying to XXXX me over. And I would like to know about this pretend approved loan modification that was granted to me. I was notified that I was not eligible many years ago. 

Cordially XXXX once again!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

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 XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$860.00} XXXX XXXX Balance : {$1100.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1100.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.