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

I am formally disputing the following negative items on my Equifax credit report, as I strongly believe they are the result of a data breach. These inaccuracies are unjustly impacting my credit profile, and I am demanding immediate corrective action.

Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding Equifaxs failure to conduct proper investigations. Specifically, in a lawsuit filed against Equifax, the CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the Fair Credit Reporting Act ( FCRA ).

As per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), Equifax is legally required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. Furthermore, under 15 U.S.C. 1681i ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected. Failure to adhere to these requirements constitutes a violation of federal law.

I am not requesting a generic notice that an investigation has been completedI demand a full and transparent explanation of every step taken in this investigation, including what sources were contacted, what documentation was reviewed, and how each disputed item was verified. Given Equifaxs documented history of noncompliance, I will not accept any superficial or automated verification process.

I expect Equifax to take this dispute seriously and ensure full compliance with FCRA regulations. Any failure to properly investigate and correct these inaccuracies will leave me with no choice but to escalate this matter further.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter last XX/XX/XXXX, to remove these inquiries that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any inquiries or information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaint & I am including it again 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

I opened a credit Card account with Best Buy. I was unaware that I was enrolled into debt protection for the last 10 years. Citi Bank currently works with best Buy and has been charging me for Debt Protection. I was completely unaware of this until now. I requested them to refund me a portion of the charges and they refused. There are months where I paid more than {$11.00}. I believe they charged few at least {$500.00} in the last 10 years.
Product: Bank account or service

I got an following email from Citibank about a promotional offer where-in if I open a citigold account with the promotion code : XXXX and then meet the following requirements, then I 'll be getting the XXXX American Bonus miles after 90 days ( starting from the last statement after the requirements are met ) Requirements : 1. Spend {$1000.00} on the debit card 2. There has to be 2 consecutive bill payments in consecutive 2 months. 

I met both the requirements in XX/XX/2016, then I waited for the statement generated on XXXX XXXX 2016. After that I waited till 90 days ( 3 statements ) i.e the statement generated on XXXX XXXX 2016, still i have n't ' got the XXXX miles. 

After that I called the customer care of Citibank multiple times, escalated the case to supervisor, still nothing happened. Waited for next month statement as well on XXXX XXXX 2016 which was delayed by 2 days and I finally got it on XXXX XXXX 2016, still no miles. 

This is same scenario with couple of my friends as well. 

So I was left with no other choice, but to raise a complaint against these cheaters who make false promises just to attract customers in the beginning and then they never fulfill their promises. 

If I wont get my deserved/earned XXXX American bonus miles, I 'll close my Citibank account and I 'll never open it again. 

Hope you understand my frustration here and help me get my XXXX American miles from Citibank. 

Thanks and regards, XXXX XXXX XXXXXXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both Equifax and XXXX XXXX with no successful resolution. Equifax only reporting me late. There was definitely an error on their part. I was never 120 days late.
Product: Debt collection

Hello, I received a piece of mail from XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MA XXXX. It stated that I have a debt of {$110.00} owed to " XXXX XXXX '' It says " Collection Notice : Your account was previously listed with another collection firm and re-assigned to this office for recovery. Please remit payment to this office by mail or visit our self-service XXXX. '' I am concerned. They have my full name and my address. I have never been signed up for XXXX XXXX. I do not have any debt to XXXX XXXX. I have never been associated with a XXXX XXXX account. I'm 100 % certain I would not have a bill or any debt outstanding to that company. This is a scam and they have offered little to no way to dispute this claim. Again, I am concerned and would like to resolve this as soon as possible. I'm not sure how to prove that I have never been associated with XXXX XXXX.
Product: Credit card

This is in regards to an unauthorized transaction that occured on my Capital One Quicksilver card on XX/XX/2016 for {$440.00} under the merchant XXXX XXXX College. This charge was unauthorized and I absolutely do not know who made this charge. I informed Capital One the SAME DAY that this was an unauthorized charge on my account and a credit was placed. However, a few months later, I was rebilled for this amount again. I contacted Capital One 's Disputes department to inform them that this transaction for {$440.00} is 100 % unauthorized and under Capital One 's {$0.00} fraud liability, I was not liable to pay for this transaction. The representative refused to cooperate with me to remove this charge. I am now demanding that this charge of {$440.00} be removed from my account ASAP. I will most definitely not pay for a transaction that I did NOT approve of. Capital One 's {$0.00} fraud liability also guarantees that I am not liable for any fraudulent transactions. This {$440.00} is a fraudulent transaction and must be removed ASAP.
Product: Credit card or prepaid card

On XX/XX/2020 at fraudulent transaction of {$2000.00} was charged to my direct express debit card by a company called XXXX XXXX in XXXX, ny. I have never heard or dealt with this company prior. I am in XXXX  in XXXX  for health issues. I tried called direct express XXXX numerous times and can't get through, also sent several emails, with no response back.
Product: Checking or savings account

On XX/XX/XXXX there was a ATM withdrawal at a XXXX XXXX for the amount of {$880.00} which was unauthorized. Unfortunately I lost my Bank of America card and I didnt notice until I was going to use my bank card that it was no longer in my possession. I immediately call Bank of America to file a dispute and order a new card for the account. My card order was mailed XX/XX/23 via express shipping estimated to arrive in 3 business days, today is XX/XX/23 I have yet NOT received my Bank of America card. I also called to get an update on my claim and my claim was denied. This makes me very upset because I believe that Bank of America didnt thoroughly investigate the transaction. I have proof that I was working in XXXX, Ca when the transaction for the dispute was processed in an ATM in XXXX, Ca at a XXXX XXXX this is what the representative told me of where it took place. I need to retrieve my funds I have bills to pay and my accounts are negative because I am out that money. I am positive XXXX XXXX has ATM cameras where they can proof I was not conducting the transaction and did not give permission to anyone to use my card.
Product: Credit card

I used a convenient check to transfer a balance to my KeyBank credit card in XXXX 2016. The check and promotion flyer indicate that the check needed to be used by XXXX/XXXX/16 to qualify for the promotion. The check was used with another provided in the amount of {$9300.00} and posted on XXXX/XXXX/16 to the account. KeyBank processed the payment in their system on XXXX/XXXX/16, resulting in them not applying the promotional APR of 0 % or the balance transfer fee of 3 %. Instead, I incurred a balance transfer fee of 4 % and have incurred a monthly APR of 11.24 % for XXXX and XXXX. I originally called on XXXX/XXXX/16, spoke with XXXX, and was told that the check had to be processed by KeyBank by XXXX/XXXX/16, not that the check had to be used by XXXX/XXXX/16. I asked for a review of my account to reconsider since their flyer states the convenience check needs to be used by XXXX/XXXX/16 and the transaction must post by XXXX/XXXX/16. I was provided a ticket number and told I would receive response within XXXX5 business days via cell phone or my mail. I placed a followup call on XXXX/XXXX/16, spoke with XXXX, and was told there was no response available and that the original supervisor who created the ticket would need to look into and call me back. I was promised a call back on XXXX/XXXX/16. I placed a second followup call on XXXX/XXXX/16, spoke with XXXX again, and was told there was still no response to the ticket. I requested that XXXX look into the issue and call me back since XXXX had not called me back after XXXX phone calls. I was told I would receive a phone call back with a status. I still have not received a call back or a response via mail. In the mean time, I have incurred fees that I believe are incorrect and should be reviewed totaling {$250.00} as follows : monthly interest in XXXX ( {$86.00} ) and XXXX XXXX {$74.00} ) along with a convenient check fee of 4 % ( XXXX ) instead of 3 % ( {$270.00} ). KeyBank is clearly not going to resolve the issue despite numerous followup calls on my part.
Product: Credit reporting or other personal consumer reports

I have hard inquiries that I did not authorize. XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card

There was a PayPal CREDIT CARD opened in the spring of 2020 that was opened fraudulently under my name that I have no knowledge of nor did I open it myself. I did have a regular XXXX XXXX XXXX account with them which I had set up and recieved notification of and all of those purchases that were made by me were paid for. The XXXX XXXX, XXXX, was never opened by me nor was I the one using it. Unfortunately, I had made additional payments to this thinking it was the XXXX XXXX XXXX. Only looking and calling the bank with whom it's thru did I realize that this was opened and used without my knowledge.
Product: Credit card or prepaid card

Hello there, I am XXXX XXXX I had the credit card with company with a payment charge {$26.00} on my credit on XX/XX/XXXX. However I did not receive any notice and continued billed the late fee and interest on this amount. Here is the situations. 1 ) Mail communication. The company claimed they sent mail to me and returned back to tham. I check my profile online. It has my old address there. However, the company changed web site last year. Everytime I changed my address under profile. It went through smoothly. Nothing is wrong or warning there. But when I checked it out the next day. I still had my old address under profile. I found this out on XX/XX/XXXX after i found I was charged so much money on my credit card. In other words, the company has one unfunctional web site to update customer address. I also bak account and retirement account with the same company. I can not understand why the company find the address information from there. So far, my address is still old address under profile. 2 ) Phone communication I have two phone number there XXXX and XXXX. Nobody called me if you they had mail returned. If one communication way was blocked. They just charged the money on credit card and kept it. 3 ) email communication I have email address on file. I still received bak statement every month. I never receive any email from credit card department about my bill or mail return notification. The second communication is never used. In short, their company new web site from XX/XX/XXXX does not function at all. I can not change my mailing address online. Three ways for the communication become one way communication with month by month charge on my credit. I do not know if the company did that on purpose. I require the company to change my address to the correct address and refund the money back. I paid $ XXXX $ XXXX {$94.00} for the actual charge {$26.00} I require the refund the difference {$67.00} and make your company web site workable. My wife online account was also locked for almost one year and for the credit card web site, the company offer two different website from XX/XX/XXXX. It is ridiculous. It is a totally mess for the online credit card management. Please also correct the credit report for me. 
Regards, XXXX XXXX
Product: Student loan

My loans were appt for waiver XXXX XXXX. The department of education said the servicer has to waive them by XX/XX/2024. 

The servicer ED Financial is attempting to circumvent the supreme court ruling by sending loan holders on a wild goose chase. 

Call representatives tell there are no supervisor during their shifts to answer consumer concerns. You are then told you MUST schedule a supervisor call back but no one ever calls. They do enter the call back in the system apparently. This is poor customer service but as this relate to a large debt it is also crippling to customers.
Product: Mortgage

Working with Nationstar, I was approved for a loan modification. The paperwork they gave me stated that the initial payment would begin on XXXX/XXXX/2016. And I made that payment. However, on XXXX/XXXX/2016, I received notification that the house was sold on XXXX/XXXX/2016. Now, according to records, my home belongs to Nationstar. Please see the attached documents. Please help me.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX
Product: Mortgage

My home was put into forbearance due to the covid pandemic and loss of employment. Now the forbearance has ended I have asked for mortgage modification or hardship h.u.d. assistance. However I have been denied these options by the phone operator. She told me I have 2 options to pay the XXXX forbearance amount or a short sale. This is unacceptable, I should not have to file bankruptcy to protect my home.
Product: Credit reporting, credit repair services, or other personal consumer reports

OnXX/XX/XXXX, I sent a letter regarding an inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.
Product: Checking or savings account

I have had 4 fraudulent accounts attempted to be open with Bank of America in the past month. 2 of these fraudulent accounts were opened. Both times I contacted BoA to close this and report fraud on them. I have also placed a notice with XXXX and frozen my credit file with the credit agencies. Even by doing this BoA allowed for an 2 additional account requests to be put in and 1 to be fraudulently opened. BoA also has no tools in place to prevent an account from being opened in my name. So this is continuing to happen.
Product: Payday loan, title loan, personal loan, or advance loan

I had a lone with Esusu and I paid in full and like last year someone with out me knowing took a loan on my behalf and not ever knowing. I own then XXXX its like I told the company I had paid first loan off and I dont own you on the second loan and youll have to file a fraud report on this loan and do a police report and press charges because this is XXXX XXXXXXXX
Product: Checking or savings account

They keep charging more than once overdraft fees and even spoke to them about me receiving money the next day to be able to cover the insufficient funds and they still go ahead and they keep charging overdraft fees that sometimes amount to more than {$100.00} and I dont get it refunded back to me. Are used to have XXXX and XXXX would always refund or gave me an allowance to be able to put money in my account to avoid it and if they do give me an overdraft fee, they usually refunded me back the next day. this is Wells Fargo and they never do that and they charge me so many fees.
Product: Checking or savings account

My XXXX XXXX on XX/XX/2021, in XXXX XXXX, Florida. I live in XXXX XXXX, Tennessee. I received my brother 's personal effects from the hospital where he XXXX XXXX in early XX/XX/2021. His effects contained a debit card from Wells Fargo bank. 

I called the XXXX number for Wells Fargo seeking guidance. I was told that they could freeze the bank account but that I would need to travel to a Wells Fargo branch and present the death certificate which I did the next day. There are no branches near my home so I traveled to XXXX, Tennessee branch. I sat down with a representative who told me that my brother 's bank account had already been frozen based on my call to the XXXX number. I was miffed about this because of the distance and the time spent on the unnecessary travel. 

I knew that I would have to petition XXXX XXXX Florida probate court to gain access to my brother 's bank account prior to arriving at the Wells Fargo branch. I also knew that I would need to itemize my brother 's assets. In order to itemize the monies in the checking, I needed the amount in the checking. I presented my driver 's license yet the representative refused to give me this information. This then impeded my efforts to obtain a Summary Administration for my brother 's very small estate of what I believed to be two items, a checking account, and a car. 

I then had to submit a Letter to the Court to let them know that Wells Fargo would not provide me with the information I needed to complete the process. I also contact the XXXX number for the Estate division at Wells Fargo. I was told that I would need to get a separate court order so that they could give me the amount my brother had in checking. Then pursue the Summary Administration.

I have acted pro se due to no money to obtain a lawyer in Florida. I paid all fees from my own savings to include my brother 's cremation. Wells Fargo must think that people have a bottomless pit of money with which to play their games. 

Today I went again to the XXXX branch of Wells Fargo to present the court-ordered Summary Administration granting me 100 % of the checking account funds. Even though I had earlier presented the original death certificate and the rep took a copy, I could not gain access to the monies. I have done everything asked of me in regard to accessing my brother 's account. 

I was also told for the first time that my brother had two other savings accounts. This would have been nice to know when I came into the branch the first time. I was told that if I want access to the savings I have to get an amended order. How much will this cost me? 

Wells Fargo is out of bounds and their actions have adversely affected my ability to gain access to monies due me. 

Wells Fargo, a private company, believes that they have an internal legal code that supersedes an Order signed by a XXXX XXXX probate judge.
Product: Debt collection

The company is trying to collect on a debt that does not belong to them, they are also sending me harassment letters. I also do n't have an account with them, nor have I signed a contract with them
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax XXXX and XXXX are reporting late payments from aafes on my credit report US code 1681a-1 forbids anyone reporting anything personal to a transaction in a report
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is a XXXX agency and has reported to all XXXX reporting agencies false info. Both them and the XXXX have failed to provide the XXXX and or Bases for the XXXX. All XXXX agencies have reported derogatory information based on this lack of communication. ONly XXXX has motivated them to retract the negative information and or collection. Still the derogatory history remains on my credit. please assist. I can send you the pdf of XXXX response.
Product: Money transfer, virtual currency, or money service

Been trying to close my Crypto.com account for awhile now and they just keep dodging it and acting like I reached out to them for a different reason or they claim they have a security problem they havent fixed for months now.
Product: Credit reporting, credit repair services, or other personal consumer reports

M & T bank pulled a hard inquiry on my credit bureau on XX/XX/2010, using a third party provider that pulls all three bureaus. 

I already filed one complaint and a letter M & T claims it sent me. I never received any letters from M & T. Note & T is the holder of my mortgage so I do get like the annual escrow letters. 

I never received any letters from M & T. 

They claim I hit a button on their website that authorized a refi application. 

If that is true why didn't I get an approval letter? or a decline letter? or and incomplete application letter. 

I want real proof of the actual web pages that i was signed into showing I checked a box to " apply ''.
Product: Checking or savings account

spoke with credit karma about a transaction that was made on XX/XX/XXXX to XXXX XXXX XXXX, credit karma does not allow these types of payments so it was reversed & credit karma advised at the time there was only XXXX XXXX  in my account but i have sent them screenshots and advised this was not the case as i had just got paid XXXX days earlier they then went on to say that i transferred all my money to my spend account, I did math with the representative and we agreed there was {$800.00} in my account at the time the transaction was made, the representative then said that the transaction was actually made on the XXXX although my credit card statement shows otherwise, the money is automatically taken out after a transaction is made so they very well have the funds and will not release them back to me, I was also charged a return payment fee that I feel credit karma should be responsible for as they held the transaction until the XXXX when there was no funds in the account and i am out of XXXX $ on top of the XXXX $ return fee for XXXX XXXX XXXX