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

I previously opened a complaint and was emailed by XXXX XXXX from Bank of America asking to " Please contact me by XX/XX/2019, to confirm that information. ". But I got the answering machine thee times and I left my phone number to call me back. I am currently in XXXX. I never received a call to the phone number I asked them to call. The complaint was closed because they " could not confirm '' it was me who submit the complaint. 

I filed a new complaint but it was closed again since it " seemed to be about the same issue ''. 

Again, I insist on contacting Bank of America to solve the issue because it is not fair for me to lose XXXX XXXX because of an ATM malfunction. 

The incident happened on XX/XX/XXXX. when I tried to withdraw XXXX XXXX Pesos from XXXX BXXXX 's ATM located in XXXX, XXXX, XXXX with number XXXX. 
The ATM had a malfunction and did not dispensed the bills. I opened claim number XXXX with Bank of America on XX/XX/XXXX. I called them immediately on XX/XX/XXXX. but they asked me to wait 48 hours before opening a complaint. On XX/XX/XXXX. I received a response to my complaint saying they will not reverse the charges and supported the claim with a photo copy that falsely stated that the bills were dispensed ( find the letter attached to this complaint ). 

I tried contacting XXXX XXXX but they answered that I had to reach Bank of America and that they wouldn't establish any communication with me regarding this case with me since my card was not from that bank ( please find the letter from XXXX XXXX attached ). 

I also wen to XXXX XXXX here in XXXX to file a complaint under oath and they asked me to try to solve the issue with XXXX ( XXXX CFPB ) and XXXX asked me to contact CFPB since I am a customer of an American bank. Find attached the copy of my complaint with XXXX XXXX XXXX XXXX. 

I called the CFPB and they suggested to submit again the complaint with a copy of an ID so I can prove it is me who is filing the complaint. I attach my passport to this complaint in order to prove it is me who is filing this complaint.
Product: Credit reporting or other personal consumer reports

I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX,
Product: Mortgage

I refinanced and closed the mortgage on XX/XX/XXXX. XXXX XXXX is the title agency used by XXXX XXXX. The sent the funds via XXXX XXXX overnight and I received the tracking number showing the funds received by chase bank. Apparently the amount sent was several dollars short so chase Bank sent the check for over {$540000.00} back to XXXX XXXX in late XXXX. I began receiving phone calls about a missed payment. I got on the phone and explained the situation and provided the tracking number. At that point I was informed that the check was sent back. I immediately contacted XXXX XXXX and XXXX XXXX who corrected this and wired the total amount. At this point my account shows paid in full yet Chase will not remove the missed payment on my account which has destroyed my credit. I have called chase repeatedly including XX/XX/XXXX and about 15 other times and I am constantly being transferred from one dept to another. Finallly I spoke with their credit dept who told me the mortgage dept needs to adjust it and so begins the circle again. At this point the mortgage has a XXXX balance and shows paid in full but yet they are not removing the late payment.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, in light of the recent CFPB lawsuit highlighting issues with the platform. Despite using Zelle multiple times and reporting discrepancies my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering funds was impossible and tracking it would be unfeasible. The CFPB findings indicated Zelle has neglected to protect consumers but also allowed repeat offenders to exploit the system leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm 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 COMMISION or https : XXXX/www.ftc.gov to file a report and 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 the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX  XXXX Balance : {$1900.00} XXXX XXXX XXXX Balance : {$680.00} XXXX XXXX ( Original XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1100.00} XXXX XXXX XXXX XXXX XXXX Balance : {$3300.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/2018, I sent an E-mail to XXXX XXXXXXXX XXXX, XXXX ( XXXX ). In the message I notified them that I am disputing a claimed debt and demand verification of the claimed debt, and that other than verifying this claimed debt, they do not contact me further about this debt. On XX/XX/2018 and XX/XX/2018, XXXX sent me two collection letters that did not contain the demanded debt verification, notification of the debt collector 's further efforts are being terminated, or notification the collector or creditor intends or may intend to invoke a specified remedy, in violation of FDCPA 805 ( c ).
Product: Student loan

I am writing to formally lodge a complaint against MOHELA regarding their failure to process my Income-Driven Repayment ( IDR ) application in a timely manner. My application for consolidation of my federal loans and for the IDR plan was submitted on XX/XX/XXXX. The consolidation was processed by XXXX within a few weeks and the loans disbursed to Mohela on XX/XX/XXXX in the amount of {$410000.00}. They placed me on a standard level 30 year repayment plan without communicating this to me. I never received any email, standard mail, or account message documentation about this decision. My IDR plan application remains unprocessed to this day, and I have never received any email, standard mail, or account messages about the processing of this application and why there is a delay. 

Due to MOHELAs delay, my application was not processed by XX/XX/XXXX, when the courts put a pause on the SAVE plan. As a result, I am now accruing interest on my student loan balance, which I would not have incurred had my application been processed in a reasonable fashion. The initial balance on the application was {$410000.00}. The balance as of XX/XX/XXXX at the time of this complaint is {$420000.00}. This interest accrual amounts to over {$2500.00} per month and is compounding on the balance, causing extreme financial hardship for my family and me. 

I have called and spoken to Mohela customer service several times, and during one call was specifically told that I should have been on the SAVE IDR plan by the time of the federal pause and should have been placed in the 0 % interest forbearance that all SAVE plan enrollees were placed in at the time of the pause. I specifically requested to be sent documentation of this, which was never done. In several further conversations with Mohela service representatives I have requested forbearance due to the financial hardship of the stand level repayment plan and they continue to fail to send me communication about these processes. I often have to call them again a few days later when I notice that the forbearance was not processed, which takes significant time out of my day when I am supposed to be working as a physician. 

Additionally, this delay is making it unclear whether the time while my application is being processed will count towards my Public Service Loan Forgiveness ( PSLF ) eligibility. This uncertainty further exacerbates our financial hardship. Recordings played over the phone while on hold for customer service with Mohela specifically reports a PSLF buy-back option for SAVE plan members who are currently in forbearance due to the federal court pause on the SAVE plan. This would have also been an option for me if Mohela had processed my IDR application in a timely manner, but they failed to do so. 

The delay in processing my IDR application is unacceptable and has placed an undue financial burden on us. I request that the CFPB investigate this matter and take appropriate action to ensure that MOHELA processes my application immediately and rectifies the financial damage caused by their delay. 

Thank you for your attention to this urgent matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Fair Credit Reporting Act gives me the right to contest any information on my credit report that I believe is inaccurate. The data included in it must be documented and validated before its shown to anyone else, because if not then there 'll just have been one person who wasn't doing their job - which means more mistakes! I challenge the reportability of the allegations within my credit report. They simply are not true! My credit report is riddled with errors. I will not accept or recognize the allegations and claims within the report as true without further evidence, which meets both federal AND state requirements for reporting! Please remedy the situation immediately Non-compliance with regulations and the law is never acceptable! The government is watching you like a hawk. They want to make sure that all your claims are accurate and reported in the correct format, which meets both METRO 2 standards as well as FCRA requirements! Im requesting evidence to show why my accounts are considered delinquent or derogatory. This includes any proof that the creditor had a permissible purpose for making claimed accounts and inquiries. I will be monitoring the situation and I expect to hear from you within 30 days. I expect you to confirm and verify the items are indeed reporting correctly or remove them permanently from my report. I want you to send me a hard copy of your actions and my updated credit report. The evidence of your actions and my updated credit report should be sent via mail.
Product: Debt collection

To Whom it may concern, I went into a financial agreement where XXXX XXXX was given the power of attorney, They created a settlement with the company in question and all payments were made on time. Ad Astra Recovery Services XXXX Speedy Cash ) settled with me and XXXX XXXX for {$1500.00}. 
This company agreed to reflect that this account is paid in full. The representative of Ad Astra signature is shown on the document. As of XX/XX/2020 all payments were made to this company in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDIT BUREAUS HAVE NOT REMOVED FRAUD ACCOUNT IT IS NOW XX/XX/XXXX AND THEZE FRAUDULENT ACCOUNT IS STILL ON MY REPORT! 

PERSONAL NOTE '' THIS FRAUD ACCOUNT BEING ON MY CONSUMERS REPORT IS HOLDING ME BACK FROM EVOLVING AS A CITIZEN IAM NOT ABLE TO OBTAIN A HOME OR APARTMENT A GOOD JOB OR EVEN A LOAN OR CREDIT CARD! I DEMAND AS A FEDERALLY PROTECTED CONSUMER THAT THE BUREAUS AND COMPANIES INVOLVED REMOVE FRAUDULENT ACCOUNT OFF MY CREDIT REPORT AND CONSUMERS REPORT NOW PERMANENTLY! 

XXXX 3 LATE PAYMENTS Credit usage 100 % Balance {$570.00} Balance updated XX/XX/XXXX Credit limit {$350.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Revolving account Status 90 days past due Status updated XX/XX/XXXX Past due amount {$100.00} Highest balance XXXX XXXX Monthly payment {$29.00} Contact info Address XXXX XXXX XXXX XXXX, OH XXXX XXXX number None provided THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT DATE 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT.

As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the XXXX and TransUnion credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXXXXXX 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

We have been with MyControl Card for years and we have never had any issues up until two weeks ago. Two weeks ago, my husband contacted them due to we both received a text message to call customer service. We called the number on the back of our cards and was told that one of the cards was compromised and we needed to verify our info. We verified our info by phone and sent them in info as well. They closed out our current cards and sent new ones. We tried to pay a bill today, XX/XX/2020, neither card works, called the number on the back of the card and got told that our account was closed out and we would be receiving a check within 7-15 business days. We kept asking why it was closed out without them notifying us first because we have to pay rent and by the time we get the check, we will either be evicted or have to pay a lot of late fees. We got transferred 4 times before someone said that someone called trying to change the info on the account. We ask the guy how can we get our money because we have to pay rent on the XX/XX/XXXX and can't afford any late fees, the guy just stopped talking and just kept saying they can't do anything and he can transfer us to customer service who already transferred us to them, we ask for a manager ad he said one wasn't available and transferred us to customer service. We have been on the phone for over an hour now. We are still getting told 7-15 business days to get our money and rent is due in 2 days. This is bull and we are  either going to owe a lot due to late fees are charged daily starting on the XX/XX/XXXX or we are about to face eviction real soon. Whatever you do, do not get a prepaid card with NetSpend/MyControl
Product: Credit reporting or other personal consumer reports

In accordance with the FCRA, the listed accounts below have violated my federally protected rights of privacy and confidentiality under 15 USC 1681- s2 ( a ) ( 1 ), 15 USC 1681-s602A, and the FCRA reinsertion law . A entity shall not furnish any information relating to a consumer to any CRA if the entity has reasonable cause to believe the information is inaccurate. I have disputed the said accounts numerous times due to the invalidity and inaccuracies. The accounts were removed only to reappear weeks later. According to the FCRA new reinsertion law, it prohibits credit reporting agencies from reinserting account information that has been previously disputed and removed from the consumer 's reporting file. " Notice to Consumers '' .If a consumer disputes leads to negative information being removed, it can not be reinserted without first notifying the consumer in writing within XXXX business days after reinsertion.I have yet to receive any correspondence from the CRA's.I ask these accounts are removed immediately. 
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, credit repair services, or other personal consumer reports

I sent my letter off on XX/XX/2022. I told the credit bureaus to investigate every piece of information on the accounts I have listed below. Also I have attached the letter I sent out and here is the Transunion Tracking # XXXX XXXX XXXX XXXX XXXX XXXX According to the FRCA The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate. And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report showing the inaccuracies marked out in red ink attached. 

Accounts : Account name : XXXX XXXX XXXX. XXXX  Account Number : XXXX Account name : XXXX XXXX XXXX Account Number : XXXX Account name : XXXX XXXX XXXX Account Number : XXXX Account name : XXXX XXXX XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXX XXXX  Account Number : XXXX Account name : XXXX XXXX XXXX Account Number : XXXX Account name : XXXXXXXX XXXX  Account Number : XXXX Account name : XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Account name : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX Account name : XXXX  XXXX XXXX Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX Account name : XXXX XXXX XXXX Account Number : XXXX Account name : XXXX XXXX XXXXXXXX Account Number : XXXX Account name : XXXX. XXXX, XXXX. 
Account Number : XXXX Account name : XXXX XXXX  Account Number : XXXX Account name : XXXX XXXX XXXX  Account Number : XXXX Account name : XXXX  XXXX Account Number : XXXX
Product: Debt collection

i received a letter in the mail from Mid-South Adjustment Co., they said I owe money to The Department Of Veteran 's Affairs. My federal tax refund went to them not me, {$200.00}.
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/year> XXXX  XXXX XX/XX/year> XXXX  XXXX XXXX  XXXX XX/XX/year> XXXX XXXX  XX/XX/year> XXXX  XXXX XXXX  XX/XX/year>
Product: Credit reporting or other personal consumer reports

I have been blocked from getting my Equifax credit report/ scores from every website that my could possible generate it. My annual, credit karma, Equifax own website, XXXX. they have made it impossible for me to have access to my report. Which is creating a tremendous amount of stress, emotional, anxiety, sleep disruption, I need access to my report in order that I can obtain the credit needed to obtain personal, family and household necessities. This is vital and Equifax is denying me my access to credit. Which in itself is a crime under all the consumer financial protection laws
Product: Credit reporting or other personal consumer reports

said company did not provide a fair and equitable consumer report.
Product: Debt collection

The company Progressive management at XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX filed on my credit report for a debt for XXXX XXXX who is of new relation to me and I have never been married to
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a credit repair loan instead of getting loan they went into my checking and took money
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my personal credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX {$980.00} XXXX  XXXX {$570.00} XXXX  XXXX {$6200.00} XXXX XX/XX/2022 XXXX  XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute some information that I believe was added to my credit report without my knowledge or consent. These are potentially the results of identity theft and should be blocked and deleted from my report immediately. The details of these accounts 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, with a reporting balance of {$2200.00}. I WISH TO EXPRESS THAT I DID NOT OPEN THESE ACCOUNTS, NOR HAVE I AUTHORIZED ANYONE TO DO SO ON MY BEHALF.