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

XXXX and Nelnet continue to allege I owe a debt I do not. Georgia law states that a creditor can only collect up to 6 years after the contract and Nelnet has went over that timeframe so the debt has been canceled and reported to the IRS as income. Reporting a balance due is violation of the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

1. Earlier this year, I owed Bank of America about {$10000.00} on my personal credit card, during the XXXX times, they called and said they'd be lenient about payments and I always had this in mind 2. I paid off the $ XXXX in one lump sum, leaving no balance besides a few hundred on the account 3. For some reason, unbeknownst to me, Bank of America cancelled all my auto-payments set up on the account, and did not alert me 4. The statement balance of {$28.00} was unpaid for 3 months, Bank of America never notified me, never warned me, and never said that this would take place, I was never called or notified a single time. 

Meanwhile, I continued to use their banking services and would continue to get declined payments and issues and every time I called their offices, I would be put on long wait times that would be unfruitful and I always thought something was wrong with my own cards XXXX. Months later in XXXX, they finally responded and said that my credit card had been closed because of the missed balance statements, and I had a meltdown. 

As an immigrant, I have worked for years to improve my credit score, only for bank of america to drop me back to XXXX because their cancelled auto payments and everything related to my credit was tied to that account which they banned without telling me At this point I was told to go meet a representative at Bank of America which wasted 4 hours of my time and in the end told me he couldn't help me with my credit card issues..

I was then put on a 4 hour long hold on my phone and in the end someone told me that there was nothing I can do to recover my closed accounts or my credit. 

This is when I had a meltdown on the phone, I had not only lost all my credit that I had taken so long to build, I also began to lose everything else because of the cancelled account. 

The bank of America person kept telling me this was my problem and they could do nothing about it and that's when I lost control and swore at them, and that's when my account was promptly banned. 

This was after an 8 hour ordeal, and that's not where it ended.

Bank of America then locked all my remaining funds and closed my debit/savings accounts so I was unable to pay rent and I got evicted. 

I was also unable to pay off my car loan for the last 2 months and now I'm not only about to be homeless and living in my car, Bank of America is gon na cause me to lose that car as well because I have missed my payments because of them There is no end in sight, I am an immigrant here and I just got married to a US citizen, I can not believe I am being put through this with a bank here and I am certain this can't happen to a citizen. 

This is discrimination and mistreatment and has taken over 6 months of my life to resolve, and now I am jobless and homeless all because of a {$28.00} bill. 

I urge you to investigate this, I beg you.
Product: Credit card

I went into XXXX XXXX on XXXX XXXX for a coolant issue that left my car undriveable. The repairs come with a warranty of at least 1 year. The repairs failed a month or two later, and the previous owner ( owned independently ) parted ways with XXXX XXXX, to start his own company. I was forced to pay again for the same repair. I was unable to get support from XXXX XXXX or the new auto place, as the blame was getting past back and forth. 

I filed a dispute and was issued a credit. I returned the necessary paperwork, but the charge was reapplied to my account on XXXX XXXX. I received no explanation as to why the dispute was not upheld since what I paid for was not what I received. 

I have followed up several times with Capital One, and nothing has been resolved. 

I'm refusing to pay that particular charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second attempt at recently rectifying XXXX inquires that are fraudulently reporting on my Equifax credit report. I have contacted XXXX and they assured me that the fraudulent inquiries would be removed and they are currently still reporting. I have contacted Equifax more than 6 times about this and they advised me that they have been corrected. Both Equifax and XXXX are not providing correct information. These fraudulent inquiries are still reporting as of today XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX Account # XXXX and XXXX XXXX Account # XXXX has 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 a account without my written instructions
Product: Vehicle loan or lease

I had been looking forward to buying my first car in the United States and was excited to take out a loan from Wells Fargo to make it happen. However, my excitement quickly turned to frustration when the bank forced me to add expensive insurance to the loan, resulting in exorbitant monthly payments that I could barely afford. 

I had a checking account with Wells Fargo and had repeatedly asked the bank to set up an automatic payment system so that I could avoid the late fee and other charges. But despite my repeated requests, the bank refused to set up an auto-payment system, leaving me to call in every month at a specific date and time to make my car payments. Unfortunately, this often resulted in my payments being late and thus incurring additional late fees. 

As a result of Wells Fargo 's high charges and unnecessary insurance, my credit score took a significant hit. The late fees, insurance, and high charges caused me to endure financial difficulties I had never experienced. I felt ripped off of my hard-earned money due to the bank 's negligence, and I couldn't help but wonder how different my financial situation would be if Wells Fargo had been willing to work with me instead of ripping me off of my hard-earned money.

I want to be compensated for my hardship due to gross negligence by Wells Fargo.
Product: Checking or savings account

We have asked for this information since XX/XX/2024, and have not received it as of today XX/XX/2024, I am not pleased with their response the letter we received today which is XX/XX/2024. The {$220.00} is still due WE DID NOT GET. Why should I pay for something I did not get, and they will not provide me with the information I need. It is turned over to a debt collection. I would love to get a relief from this situation AS SOON AS POSSIBLE. ALL I WANT IS HOW DID XXXX XXXX GET THE CASH MONEY INSIDE THE BANK? THIS IS THE SAME INFORMATION THAT I SENT TO XXXX XXXX XXXX OFFICE. WE SENT IT TO XXXX XXXX, XXXX XXXX, CXX/XX/XXXX. We also sent it into the XXXX XXXX XXXX What do we need to do in order get relief from this matter as soon as possible? This has been going on since XX/XX/2024, and this has been going on too long.
Product: Credit reporting, credit repair services, or other personal consumer reports

Multiple fraudulent accounts were opened in my name, XXXX and XXXX. I was able to close the XXXX but not the XXXX one right away. Person spent XXXX on the XXXX   card. Person apparently has all my information including social security number. Every time i try to report to XXXX or equifax, it says that it can not process my request. It is so difficult to solve these problems but so easy for other people to create them. My credit score has went down 30+ points due to this. Inquiries i did not authorize went through. I use the XXXX XXXX app and thought it would be easier, but this makes it more difficult. All companies are giving me the run around.
Product: Debt collection

I called trying to resolve my account with them and wanted to talk to the person that I last spoke with. They would n't have him call me back and wanted to transfer me to a supervisor. I hung up because I wanted to talk to the person I talked to last. They have called me back four times in the last 30 minutes
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX XXXX XXXX XXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of XXXX XXXX. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this item? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the item listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ITEM? I believe you have not verified this item based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

XXXX XXXX XXXX...
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX XXXX XXXX took {$100.00} balance by autopay for my XXXX XXXX Back credit card. Several days later, when I was out of country, they returned the autopay??? 
They called my home phone number, demanding payment. When I returned, on the morning of XX/XX/XXXX I got another call. I immediately paid the total balance of {$430.00}, which included {$100.00} balance for XX/XX/XXXX, plus {$39.00} fee they demanded, and the new balance, which was due on XX/XX/XXXX. I immediately closed that credit card account. As of XXXX XXXX, I owed them XXXX.
Product: Money transfer, virtual currency, or money service

I am writing to file a complaint on Square Inc which is a credit/debit card processor. Their business headquarters is located at XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX, XXXX. 

My name is XXXX XXXX and my husband and I XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX We offer brand new brand named furniture. We have been open since XXXX and have used square card processing since opening. We have not experienced any problems with them until now. 

On XX/XX/XXXX and XX/XX/XXXX we processed payments as normal as we always do. At the end of business Saturday XX/XX/XXXX we realized our deposits has not been made into our account at the end of business. After inquiring through a phone call to square they advised me without warning that our account was deactivated and all of our funds from XX/XX/XXXX and XX/XX/XXXX and would be holding {$10000.00} for 90 to 120 days. They could not explain to me why this happened and just said the system at random reviews accounts. These transactions were not out of the ordinary nor should have flagged a review. Also the merchandise valued at the same cost has left my store and the bill is due to the vendor for such items. I called and emailed Square several times in which they provided no details of why they were holding my funds. I asked to be transferred to a supervisor and the legal department and was told in this situation it was not allowed. That I would need to email but probably would not receive a response. That I am forced to wait 120 days. I would gladly send any information to confirm these transactions but they refuse to clear it up. Now that I have called they have deactivated a way to speak to anyone in customer service leaving my only option to email which allows them not to respond. 

I am asking for my {$10000.00} to be released to me immediately. Also have conducting research online I have found thousands of customers that have been scammed by Square, held funds, and not even released past the 120 days! 

This is how small businesses survive!
Product: Debt collection

I've disputed this account and requested documentation several times, and they haven't sent me anything in the mail. They have continued to report the account on my credit. This is a direct violation of the FDCPA and FCRA. Please help me!
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit score is being affected by hard inquires made without my knowledge. I have been searching for a safe and reliable company to refinance my car loan with. While doing so my credit score has dropped. I have only given one company permission to run a hard inquiry and that was XXXX XXXX on XX/XX/XXXX I am seeing two other hard inquires that I did not give permission for. One from  XXXX XXXX on XX/XX/XXXX and Innovative Funding Services on XX/XX/XXXX. 
This is affecting my score and I would appreciate getting this problem resolved.
Product: Credit card or prepaid card

Case XXXX This is a response to the case that was closed on XX/XX/XXXX. 

1. Call phones have experienced a widespread port-out scam therefore security codes etc have been rendered useless. XXXX XXXX XXXX XXXX XXXX XXXX My carrier, XXXX has sent out multiple alerts about this and I had even reiterated the risk of this to Discover.

2. A new card was requested in XX/XX/XXXX and sent to my home address. Yes, this was requested by me, because of the ongoing case since XX/XX/XXXX and a new card had to be sent out.
Product: Student loan

My private student loan is with Wells Fargo. The issue is not directly related to the student loan. Rather it has to do with Wells Fargo handling of XXXX issues. 

A few years ago I was party to a class action lawsuits regarding how Wells did not accommodate clients with hearing loss. This is still occurring. 

Wells Fargo has an area on their website titled Hearing Impaired yet they only list phone numbers. Calling for help is very difficult for myself and others with hearing impairement. It seems prudent, especially after the lawsuit, that Wells would offer an email or chat option to accommodate those that can't hear so they can receive customer service.
Product: Credit card or prepaid card

One time I withdrew an amount from a credit card and got circumstances, so I delayed paying and my account was closed, so I paid the amount, but it was more than what I withdrew, so I was paying only because my account was suspended, so I asked them to activate my account and they refused, but they were withdrawing fees from me and my account was closed and they were still withdrawing amounts from me until I withdrew all my money And I went to another bank, they stole my money from me, and I want it back. It's Chase Bank
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke with XXXX from the Dispute Department of Portfolio Recovery Associates around XX/XX/XXXX to request that he kindly remove any and all derogatory remarks from my credit file stating that I wasnt paying their bill because thats not true. I informed him he is annotating false and inaccurate information on my credit file because I have in fact been paying as agreed upon since XXXX to present and that my payments are being automatically deducted from my checking account each and every month. Furthermore, I had a good reason why I was late because I was ill and became hospitalized which they were duly informed about. Additionally, I had to wait for my social security to be approved so I can pay them more money. So as you can see, annotating on my credit file that I have not not been paying my debt is not accurate. It is false information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not knowledgeable of any of these inquires and never authorized these companies to pull my credit. On XX/XX/2022 I called XXXX and XXXX in on XX/XX/2022 XXXX directly in received no help. Each company suggested I dispute directly with the companies, or file a complaint with FTC, and or file a police report. I have reached out to these companies by phone and neither one could provide me any information on where the information came from. Please see below inquiry from XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX JPMCB-Auto Finance XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Inquiry from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX this complaint is not made in error neither is it being made by a XXXX  party The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute in regard to the incorrect/unauthorized items listed on my credit report. It has been well over 30 days, and I have not received any investigations results/updates.
Product: Checking or savings account

Have been a client with chase since XXXX. Opened a checking and savings account in XXXX and deposited a certified cashiers check from XXXX XXXX in the branch. Funds were made available and I moved them into my savings account. A day later my accounts had been frozen and then closed. I was told by chase they didnt have to tell me why and would mail me a check after 30 days. I had to fight with them for a week to get my lifes savings. The bank showed no remorse and I still do not know why they treated me with such content. I remember feeling ashamed and embarrassed. It seemed like all hope was lost until I was able to come across someone at the deposit/risk department who coordinated with the branch were I deposited the check to get my money back. I will make note that not even the branch employees understood chase reasoning and couldnt give me an answer as the risk team at chase would not reveal that information. Nothing like feeling left and discarded like trash at your worst moment when your down.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has 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 a account without my written instructions.
Product: Checking or savings account

On XX/XX/XXXX, I submitted a check from my home insurance company, XXXX, who are very reputable. Bank of America said they were holding my check for almost 2 weeks instead of a few days. They gave me no use to any funds whatsoever. 
On XX/XX/XXXX, I noticed that Bank of America cancelled this deposit out without any phone call or notification to me. It was made out to my Mom and myself. The insurance company told me as long as I have POA and a Living Trust since my Mom passed in XXXX of XXXX, I would be ok. 
I had to call BOA this morning and they said they already returned the check to me. I told them I wanted to come in with the documents, but they said they couldn't help me. My insurance agent said why didn't they have the decency to give me a courtesy call??? 
This isn't the first time BOA has handled my accounts with disregard and disrespect. 

I had to contact my Broker and send them the death certificate and they removed my Mom 's name. That does NOT excuse BOA 's behavior. I am a senior and I just suffered a terrible trauma. BOA is rude and condescending. They blame the customer for everything.
Product: Checking or savings account

Please refer to COMPLAINT ID XXXX and reopen it. 

This should be reopened, it is unclear why the CFPB did not conduct a thorough review of the Bank of America making excuses for stealing from me. The bank misrepresented its features and costs, then withdrew money from my account without my consent or agreement, and it has not made a representative available who was present nor followed my request for easy resolution. 

Thank you.
Product: Student loan

Nelnet student loan taken out in XXXX has been paid in a timely manner. In XX/XX/XXXX, Nelnet changed the personal account name and dob on the account from xxx to XXXX XXXX. I contacted Nelnet and they said it was XXXX XXXX College erroneous information. Nelnet changed the account back to xxx and corrected their records. 

Today, XX/XX/XXXX, the same thing has happened. Nelnet is trying to file an inquiry with XXXX XXXX College to fix the issue. However, my concern is student loans are being taken out using xxx social security number and thus is incurring someone else 's debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company has reported this debt on my report report as being owed and that is inaccurate. I do not have a signed contract with this company nor an agreement stating i owe this account or company. I have attempted to contact this company on many occasions with no resolution. I have also submitted disputes to all XXXX credit bureaus for them to validate this debt and to provide the written and signed contracts for this company reporting the debt as well as verifying and validating the amount owed and the accuracy of this reporting. They are not disputing this with the company nor providing the requested documentation. This still has not been removed from my credit reports which has caused me to be denied for credit and I have advised them of the FCRA laws and requested these be removed. Please request for this to be removed asap. Thanks