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

I have an ongoing dispute with Suntrust Bank regarding unauthorized use of my debit card. Im waiting for $ XXXX+ to be returned to me that was stolen. I filed the initial claim over 3 weeks ago. Still waiting for credit. I received a letter from them today that theyre closing my account. So, they claim to have a zero liability policy. However, if you actually need to file a claim, their zero liability policy seems to disappear. AND they close your account on top of that. Thats some way to treat a customer. Or ex-customer as it is. Now, at this point, I really couldnt care less that they closed my account. The way Ive been treated I would have done it myself. I just want my stolen funds returned to me.
Product: Checking or savings account

On XX/XX/XXXX I XXXX XXXX # XXXX have been in the Oklahoma Department XXXX XXXX since XX/XX/XXXX serving a 25 year prison sentence. 
I Submitted a dispute for a checking Account beeing opened up in my name due to fraud, I sent is by way of Certified mail XXXX XXXX mail XXXX. Bank of Oklahoma never responded back. But yet this bank has Is filed a lawsuit against me in XXXX in XXXX XXXX XXXX XXXX Had this bank Done their due diligence and answered my dispute they wouldve have seen Ive been in the Oklahoma Department XXXX XXXX XXXX XX/XX/XXXX and would have been Is impossible for me to have opened this account. I ask that XXXX XXXX bank of Oklahoma to answer this complain
Product: Credit reporting or other personal consumer reports

A lot of FALSE DEROGATORY DEFAMATION XXXX still there after more than a year! The Criminals at TransUnion are CRIMINALS! 



They are DELIBERATELY VIOLATING THE LAW! AGAIN AND AGAIN AND AGAIN! INTENTIONALLY VIOLATING THE LAW! SHOCKING! 


They know- THEY KNOW- that the Laws say they they are supposed to remove false derogatory items within 1 month of that being reported- they know about those Laws- the Criminals at TransUnion have been deciding to deliberately violate those Laws! 

Outrageous! Terrible! Horrible!
Product: Debt collection

Spring oak capital has an account on my credit report. That is not mine. I do not have any signed contract or agreement to pay this account.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to express my deep concern and frustration regarding the ongoing issues I have been facing in my attempts to remove fraudulent items from my account with 3 Credit Bureaus. 

Over the past several months, I have made multiple attempts to rectify the fraudulent items that have appeared on my account. These items are not authorized by me and are causing significant distress and financial hardship. Despite my persistent efforts, the situation remains unresolved. I believe it is essential to provide a brief overview of my attempts : I initially noticed the fraudulent items on my accountand promptly contacted your customer service department. I explained the situation and submitted the necessary documentation, including [ provide a brief description of the documents submitted ]. I was assured that the issue would be resolved. 

After not receiving any updates or resolutions, I followed up on the status of my case. I was informed that my case was under review and that I would be contacted shortly. 

To my disappointment, I had still not received any updates or resolutions. I made another inquiry and was told that my case had been escalated and that I should expect a resolution within a specific timeframe. 

The timeframe for resolution passed, and I had yet to receive any communication or see any progress in removing the fraudulent items. I called your customer service department again, only to be told that my case was still under investigation, with no further information provided. 

This cycle has continued without any meaningful progress, despite my providing all necessary documentation and complying with your company 's requests. The lack of resolution has taken a severe toll on my financial and emotional well-being. 

I believe it is crucial to address this matter urgently and effectively. I request the following : Immediate action to remove the fraudulent items from my account Clear communication regarding the status of my case and the steps being taken to resolve the issue.

A formal written acknowledgment of the fraudulent charges ' removal.

Compensation for any financial losses or damages incurred as a result of these fraudulent charges. I am asking for your assistance to remove the following fraud items in my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported on those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Debt collection

This company is reporting fraudulent inaccurate information on my credit report. l have requested that they provide the purchase agreement to show full ownership of such account and also other documents so l May review to see if this is actually an account that belongs to me 15 U.S. Code 1692g - Validation of Debts ( FDCPA ) ( FCRA ) - 15 U.S. Code 1681 FCRA ( 15 USC 1681g )
Product: Payday loan, title loan, or personal loan

On XX/XX/2018 I applied for a {$500.00} loan and I received the money the next day XX/XX/2018. I didn't receive any paper work about the loan or repayment schedule. On XX/XX/2018 I went on line to get some information and it showed my payment of {$140.00} is due on XX/XX/2018., for l8 months. I would have to {$2600.00} on a {$500.00} loan. Please assist me.
Product: Credit reporting or other personal consumer reports

I recently obtained a copy of my credit report and noticed the status on my accounts are reporting unrated/ bankruptcy I dont have a bankruptcy reporting my report please delete as this is hurting my ability to obtain credit. 

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

CMRE FINANCIAL SERVICES is reporting inaccurate/unvalidated information to my credit report. I have sent several letters requesting that the incorrect and unverified information be removed from my file. CMRE FINANCIAL SERVICES has failed to provide me documentation on file that proves the account is accurate, nor have they deleted the inaccurate unverified accounts. I am requesting that the accounts are deleted immediately
Product: Credit card

On XX/XX/XXXX I paid my Wells Fargo credit card. It was an eft transfer from my credit union scheduled for the next day. 

On XX/XX/XXXX the money had not been credited to my credit card. I verified the money had been transferred out of my credit union. 

The evening of XX/XX/XXXX I called Wells Fargo to ask why the money had not been credited. They said they didn't know but it's on hold until XX/XX/XXXX. No reason was given. 

On XX/XX/XXXX I called to try to transfer money from my Wells Fargo checking account toy Wells Fargo credit card. The CSR said it " should '' be available in an hour or so but would not verify that. I did not transfer money because I don't trust it will be there. They have {$400.00} of mine in the ether somewhere.

They have no reason for not immediately crediting the money. I have been a member since XXXX. I have had this card for about ten years. My credit card payments have never had an XXXX. There is no reason for this.
Product: Credit card

On XX/XX/XXXX, a ring was purchased for the amount of {$6000.00}. It was for a 48 month no interest promotional plan making my payments {$120.00} a month for the next 48 months. 

I have statements from XXXX and XXXX showing a {$120.00} minimum payment along with the 48 month no interest promotional plan listed on each statement. 

However, on XX/XX/XXXX, the credit company mistakenly charged me the full remaining balance of {$5800.00}. I immediately request a refund minus the {$120.00} I owed for XXXX. I received the {$5700.00} in XXXX, and proceeded to make my XXXX {$120.00} payment brining my balance to {$5600.00}. 

However, for my XXXX payment they are now claiming I owe a minimum XXXX $ and thats with interest. After refunding me the overcharge back at the end of Feb/March, they have removed the 48 month no interest plan which is why my payment is now XXXX $ not {$120.00}. 

Id like to be put back on my original 48 month no interest plan which would be 45 months left at XXXX $ a month ( XXXX {$120.00} )
Product: Credit card

Sezzle account had been blocked due to someone who used to live at my address filling bankruptcy. Tis person information has nothing to do with me and I demand Sezzle to change their records so I can use my account accordingly. 

XXXX A XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Last XXXX : XXXX Phone : XXXX Email : XXXX XXXX
Product: Debt collection

The original creditor, XXXX XXXX apartments has claimed that I never paid the amount of {$2800.00} to break my lease. It was documented the payment was received between the dates of XXXX XXXX XXXX The leasing agent at the time also had me sign documents stating that I was breaking my lease early, months prior but failed to keep them on file. I have spoken with the corporate office of the original creditors but they have done nothing to further investigate the matters now that they operate under a different agency. My account and information were sold to a third-party debt collection agency several months later without my acknowledgment. Being that I relocated my residence to California on XX/XX/XXXX of 2022, I have been continuously called claiming that I owe XXXX XXXX through the debt collection agency North American Recovery. Knowing the law of the State of California, North American Recovery is in violation of the Senate Bill No. 908 Chapter 163 Section 1 Sec. 1788.11, ( B ), Section 2 Sec 1788.52. They are also in violation of the XXXX XXXX XXXX XXXX due to the company not having the license to collect a debt in the state of California. I have not signed a wet signature accepting or verifying this debt as mine which is also in violation of my rights.
Product: Credit card or prepaid card

To whom it may concern ; XX/XX/2020 Sunday at XXXX I received an email notification from Bluebird American Express stating that I received my federal tax refund. The following morning when I was going to check my account I was not able to logged in. Thinking I messed up my password I requested for a reset. When I opened my email as I browsed through it I saw that I received another email from Bluebird saying my account " due to the unusual/irregular activity I may experience limitations. '' With this being said I am unable to actually accessed my account. 
I then called the number they provided and tried to figure out why this happened to my account in which I dont remember I did something wrong to it. I explained to the CSR XXXX I was still using my card that Sunday afternoon. The CSR told me she will send an email or escalate my concern and issue to the back office since they are the one who an further investigate of what happened to my account. I've waited for 2 days and yesterday ( XX/XX/2020 ) I called back to follow up my issue according to the Male CSR he has not seen any notes from the back office about my account and that's when he said he will send them another email to follow up the status of my account issue. 

This morning ( XX/XX/2020 ) @ XXXX I recieved a email from Bluebird America Express saying that  my account is " Back on and the disruption to my account has been resolved. And they're sorry for the inconvenience it may caused me. '' No further explanation whatsoever except that. Annoyed by the useless reason I brushed it off and thankful that I'm finally able to use my card and this issue is over with. 

However, around XXXX something XXXX  I was at the store ready to pay my purchase my Bluebird American Express card got declined, thankfully I have a back debit card that I used to pay for my purchases. Concerned and worried when I got to my car checked my account I was not able to log in again. Realizing what was happening I knew right there that this might be happening again. I went and checked my email right there I saw I received another email from American Express around XXXX with the same reason my account has unusual/irregular activity and it is locked again. 

Frustrated of this situation I called the company again! And according to the 4th CSR I spoke to since Sunday, she will AGAIN escalate my issue to the back office and I have to wait another 2 business days for this matter to be resolved. 

I am not disappointed and felt that been played with this company America Express Bluebird for doing this to me. I did not see anything that could have been the reason for me to go through this. I am in disbelief that I got locked down or been limited to use my own money and card. 

CFPB please help. I'm afraid that after 2nd time this will continue to happen over and over again. 

Thank you and have a great day.
Product: Checking or savings account

I called XXXX XXXX on XX/XX/202 I called XXXX XXXX XXXX on XX/XX/2023 to get my free monthly clean up and check up in accordance with my XXXX XXXX XXXX telephone call with XXXX XXXX. I spoke with XXXX and XXXX. XXXX advised that the " Warranty '' is not from XXXX XXXX. It is a scam. Because my XXXX and XXXX would not print from my XXXX XXXX printer. I was advised by a XXXX XXXX at XXXX that there was nothing wrong with my printer. He advised that my XXXX warranty is expiring -that I needed a new warranty. I paid XXXX {$540.00} for computer/printer/email/document security, unlimited technical support, monthly clean up, personal tech help, 2 years technical and software support. When I called XXXX on XX/XX/2023 for printer assistance I was advised by someone named XXXX at the legitimate XXXX that this was a scam. I reported the scam to Bank of America 's Fraud Department. on XX/XX/2023. Although Bank of America went through a process to attempt to recover my funds they were unsuccessful per their XX/XX/XXXX email to me. Therefore, I will not be receiving my scammed {$540.00} refund from Bank of America. I am therefore asking the Consumer Financial Protection Bureau for help in receiving my scammed funds.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I requested to have information investigated and removed as they were unauthorized. It has been almost 60 days and there has been no resolution. These inquiries were unauthorized and I reached out to the company and was told to reach out to Experian to have it resolved. I have become extremely frustrated and disappointed in the time it has taken to still not have my issue addressed.
Product: Credit reporting, credit repair services, or other personal consumer reports

equifax added a account the was removed back onto my credit fcra violation did not notify me about the account that was removed FTC violaton XXXX  XXXX
Product: Debt collection

Freedom debt relief did not get permission to settle a XXXX XXXX XXXX  account for me. I called freedom debt relief and sent numerous letters to to them their services were not wanted due to the unprofessional representation. I never consented to any settlement on XXXX XXXX or any credit cards and I do intend to file criminal charges for falsely making a settlement with my consent.
Product: Checking or savings account

This all started on XXXX XXXX last year, XX/XX/year>. My account was restricted because I had been getting unauthorized charges from XXXX. This was going on for a long time. I would frequently dispute all the charges and try to work with support to truly diagnose the issue but every time they would just refund me usually and issue me a new card. They ended up restricting my entire account, somehow reengineered the User interface of the app to where it turned into a different version of the app where the once XXXX available support chat was not even present. I was limited to emails which even now are overly automated. So the entire process has been incredibly strenuous as well as difficult to navigate. The lack of communication alone has made this beyond difficult.on XX/XX/XXXX, I was finally told in an email that my account was being closed and my about {$6000.00} in funds would be sent in a check to my chose address in 2-3 weeks. It has been over 3 weeks, and I have been emailing them with no response.
Product: Debt collection

Jefferson Capital Systems is a debt collection agency. They do not have the right to report or collect a debt from me. I do not owe this company any money. They have reported on my credit report I owe them money. I have repeatedly asked them and XXXX XXXX/XXXX to delete from my credit report as it is meets FCRA requirements. They will not remove from my credit report.
Product: Checking or savings account

Here it is. XXXX XXXX day I was looking at my XXXX XXXX XXXX when I noticed 4 accounts that I never archived. Notifications were turned off for each thread. When I clicked each thread the only thing in the thread was XXXX XXXX  sending out money to accounts that I not only do not recognized, but were clearly fake accounts. The profiles each had under 100 friends and XXXX  photos as profile pictures. The total ammount was XXXX XXXX All sent 4 transactions happened in less then 30min. This happened on XX/XX/2022 around XXXX XXXX  to XXXX. I vaguely remember getting a suspicious login email as well as I had to change my password. I have reached out to Chime 4 times I've spoken to a supervisor whom was very unhelpful. I gave all the details I've given you here plus more. Each time the dispute was shot down very quickly. This is just wrong. Where is my protection? I am out almost XXXX XXXX This isn't a uncommon theme with Chime bank after doing some digging online. I also have a screen shot from XXXX XXXX XXXX  in that log clearly shows that someone gained access to my XXXX account.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/22, I alerted the consumer reporting agencies that I am a victim of identity theft. 15 USC says that you must remove and block any information from the file of a consumer that the consumer says is a result of alleged identity theft within 4 business days. It has been well beyond 4 days and the accounts remain. Also XXXX XXXX and XXXX have charged the fraud accounts off and sold them to collection companies. It is illegal for a company to report a charge off. The IRS considers this income. This is tax fraud. This is also a violation of 15 USC 1681 e b by not reporting accurate information. USC 1681 section 694 a section 2 says that you can not furnish an account without my written consent. I have not given anyone written permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently when I applied for a Line of Credit with XXXX XXXX XXXX I was informed that I have a collection for {$3400.00} on my name for a lease some one signed at XXXX XXXX  XXXX XXXX. The lease was signed by a person named XXXX XXXX and has a name of XXXX XXXX as Guarantor. I do not even know any of these names and did not sign any lease for anyone. Even when I got a copy of the lease there is no mention of my name or anywhere I signed. 
I have told the company to correct the mistake on their side but nothing has been done yet. This is impacting my ability to get my loan refinanced. 
Creditor- XXXX  XXXX XXXX XXXX  in XXXX and the debt collector is IQ Data International Inc , XXXX XXXX XXXX XXXX # XXXX, XXXX WA XXXX
Product: Credit card

On XX/XX/XXXX, I received an email from my credit bureau stating that a credit account of mine was closed. I was surprised because I was not notified about it beforehand. When I contacted Synchrony, the representative couldn't provide me with a clear reason for the closure. This unexpected incident has impacted my credit score, especially when I'm working hard to build it up.
Product: Credit reporting or other personal consumer reports

Portfolio recovery. Open date XX/XX/2021 and showing a balance of {$460.00}. I have no contract with this company and it was already deleted from my XXXX report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX XXXX who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report and need to update or remove from reporting : XXXX XXXX  XXXX {$0.00} XXXX  XXXX {$0.00} XXXX  XXXX {$0.00} XXXX XXXX  XXXX {$0.00} XXXX XXXX  XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX {$0.00}
Product: Student loan

So I have been trying to reach out to Nelnet for the past XXXX weeks and I have not been getting anywhere with Nelnet every time I called their customer service, I've always been on Hold for over an hour just to get through them. It's just impossible for me to get through, I try to access the account information online with a user named password. They told me that my information can not be confirmed or verified. I tried the automotive system. The automated system will not takemy social security number or date of birth. It says that information does not match either. So what I'm trying to find out is how can I go out about making payments or see if I can even afford to make payments? Because you are asking close to {$3000.00} on my monthly payment. Which I can not afford so that's my complaint. My complaint is that I can not get through to you guys through the animated system to discuss my account options