23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I have already filed one complaint against Mohela for how my loans are being handled. They have continued to not comply with any of my requests and have not given me any information I have asked for. I have sent in multiple letters trying to resolve this issue as well as contact Mohela. All their tools to upload documents do not work and when I call all employees say they have taken notes and will help, but the next time I contact they act as if they have never heard anything of this situation. Please also reference complaint XXXX.
Product: Credit card or prepaid card

My account was charged {$150.00} for a money transfer on XX/XX/XXXX that was not authorized. I this was brought to my attention with in 60 days and I called the Bank of America XXXX XXXX XXXX department and was told they would file a claim for this un authorized transaction and they would cancel my card ending in XXXX and mail me a new card. Bank of America indeed did cancel my card ending in XXXX and ordered me a new card ending in XXXX. I was told this was standard protocol and it made sense to me. I was also under the impression that the unauthorized transactions where all in dispute status and I patiently waited for this process. Sometime around late XXXX XX/XX/XXXX, I reached out to the dispute department to get an update on those claims in particular the transaction of {$150.00} from XX/XX/XXXX. I was disappointed to be told that there was no claim filed for this dispute. The representative assured me they would file the claim at that moment and was apologetic because this should had been processed months ago when I contacted. The previous card was cancelled and a new one was ordered. Somehow, this original dispute was overlooked or perhaps ignored. The representative indeed did file the dispute over the phone for me and I received provisional credit on XX/XX/XXXX for {$150.00}. 
To my surprise, I was informed by Bank of America in a letter mailed to my home address that Bank of America will be reversing back {$150.00} from my account on XX/XX/XXXX. The reason they stated was because I had filed the dispute after the 60 day cut off after the transaction date. Bank of America did not give me the opportunity to explain that this should had been taken care of last XX/XX/XXXX. They where fully aware of this because they cancelled my previous card and ordered me a new card on XX/XX/XXXX. Instead they did not take a moment to make a informed decision. This was unprofessional and unethical.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX / XXXX XXXX XXXX XXXX Account : # # # # # XXXX / Balance : {$370.00} Not my account *** Delete it immediately *** Inquiries : XXXX XXXX, XXXX XXXX Never Authorize - *** Delete it immediately ***
Product: Checking or savings account

On XX/XX/XXXX I received a phone call from a regions bank representative. The representative was a man. He proceeded to inform me that my money-marketing account had a fraudulent transaction and the protocol he wanted to make sure it was not me.He proceeded to informed me that the transaction was from Texas.I took the extra precaution to called the XXXX and it came back to Regions Bank . I proceeded to the call with the representative on my other phone. He proceeded to tell me I had to reset my password and he helped me with changing it to a XXXX XXXX  .After he helped me with that He proceeded to also give me an Investigation number for this whole fraudulent activity and the was XXXX.He said that he had to remove the 2 XXXX  phone that was being used for XXXX XXXX.He informed me that someone will contact me the next to day to keep me informed on my fraudulent transaction. The next day I received a call from female Regions Bank representative inquiring if I try an ACH transaction to an XXXX XXXX XXXX in total amount of {$52000.00} XXXX. I informed her that it was not me. I was told to go to the bank and they will give me a pin because it was not my usual ACH transactions. The representative assured me that the transactions didnt go through. They informed me at the bank that my account was locked. On XX/XX/XXXX I was made aware that my money was not in my account. All of this was done as an ACH transaction. I explained to them I did not receive a call from the bank to authorize these transactions. Like I normally do whenever a ACH is being done The bank informed me they was a FDIC bank. If they do not locate my money they cant refund it back to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was solicited while on line with my XXXX account. I was offered a credit card to use, as I understood, with my XXXX purchases. subsequently, I received written notice from Chase, stating " We 're unable to approve your request for a XXXX XXXX XXXX Signature at this time. '' I had reviewed my credit only and few days before and learned that the 3 Credit Reporting Agencies had scored my credit between XXXX  and XXXX. XXXX is the score mentioned in the letter from Chase. The Bankruptcy ( Chapter XXXX ) was filed in XX/XX/XXXX and discharged in XX/XX/XXXX. Since then I have maintained good credit practices. There is no mention of the Bankruptcy as attested to by XXXX when they reviewed my credit history with me today. 
I suspect Chase of attempting to maliciously tarnish the credit that I have rebuilt since the Bankruptcy was discharged, as it was removed from my credit history as provided by law. 
I do not recall if Chase participated in the Bankruptcy or wrote off the debt. Several of my creditors, at the time of filing, were charging unreasonable amounts of interest and declined to negotiate with me. I filed Bankruptcy to obtain legal protection and satisfied all claims with interest. 
If I had known that the credit offer received through XXXX was from Chase, I would not have applied due their past spurious business practice.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX CXXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX & XXXX Date of Inquiry XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

My credit report is showing late payments to FORD MOTOR CREDIT COMP XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or FORD MOTORs customer service representative.
Product: Money transfer, virtual currency, or money service

As a paypal user, I used it as one of my mode of payments because it is very accessible. When the time comes that different sender of payments are sending on my account, paypal issued that I am violating their terms and conditions. As part of a business, it is also expanding that's why, different people are sending their payments on my account. Year 2021, I always use paypal for me to easily get the payment of my customers.. But when they decided to close my account, I was also struggle how to get the payment that I need. Hope you can help me restore my account
Product: Credit reporting or other personal consumer reports

I am writing to contest the inaccuracies on my credit report, which could significantly impact my ability to purchase a home. While I understand that errors can happen, these specific discrepancies could have serious consequences for my financial future. XXXX and XXXX have already removed this account from their records due to an identified error and after the submission of the required FTC report. I am confused as to how you have verified it while the other bureaus have removed it. I also called the bank and they said they would remove the account from my report. Please DELETE the account below XXXX XXXX XXXX XXXX XXXX
Product: Student loan

Most of my student loans were transferred from Navient to XXXX, except for three accounts. Upon checking my credit reports, Navient shows that they have added interest to my accounts to the tune of a few thousand dollars since XX/XX/2020, when the student loan pause took effect and interest rates were set to zero. They also show that I have {$150.00} in unpaid " fees '', whatever those are.
Product: Checking or savings account

There is a block or something by Capital One 360 that is not allowing me to enter my Capital One login information or access code that I 've generated through them to verify my account through external applications and I did not request this block and want it removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX HAS FAILED TO SUPPRESS THE INACCURACIES ON MY CONSUMER REPORT AND I HAVE SENT THEM DOCUMENTATION THE FTC REPORT AS WELL AS FURTHER DOCUMENTED PROOF OF FRAUD AND THEIR INVESTIGATION WAS UNSUCCESSFUL IN DELETING THE INACCUARCIES THIS HAS CAUSE ME EXTREME AND SEVERE HARM LOST OF EMPLOYMENT AS A CONSUMER AND HAS NOT ALLOWED ME TO EXTEND MY CREDIT.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history witH 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 my 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 in XXXX AND XXXX 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 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: Credit reporting or other personal consumer reports

The following correspondence was sent to Early Warning Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV. XXXX XX/XX/XXXX. XXXX Early Warning Services Consumer Services Department XXXX XXXX XXXX XXXX XXXX, AZ. XXXX RE : REINVESTIGATION OF PROFILE Upon Reviewing my consumer disclosure file I discovered inaccuracies that require updateing. In Accordance with the Fair Credit Reporting Act the list below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
# XXXX # XXXX # XXXX # XXXX # XXXX Also Accounts * ( all Inquirer Names and Dates from XX/XX/XXXX to XX/XX/XXXX ) This list of above accounts 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 : also states ; a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C 1681 C. ( a ) ( 5 ) Section states ; no consumer reporting agency may make any consumer report containing any of the following items of information or any other adverse item of information, other than records of convictions of crimes which anteaters the report by more than 7 years. 15 U.S.C 1681 3-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
Upon reinvestigating and finding of fact please remove and delete all accounts listed above immediately Thank You XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, My identity was stolen and used in order to get credit cards/loans and make fraudulent charges. Accordingly fraudulent hard inquiries have appeared on my credit report. I contacted the lenders and cancelled all the accounts that could be approved. After that I contacted Equifax Bureau in order to delete these fraudulent hard inquiries and accounts, so they asked me to send them a letter requests and gave me my file number. I have submitted an FTC report and sent to Equifax, but never had a response and that inquiries are still appearing on my credit. 

List of fraudulent inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Purchased some furniture from a furniture store. We bought a sofa and love seat, a bunk bed and a mattress. The sofa and love seat were suppose to have wooden legs and removable cushions. The legs were plastic and the cushions were sewn in. The bunk bed turned out to be XXXX different colors. The mattress had a manufactured on date the same as the date we purchased it. We tried to resolve this with the merchant but were unable to do so. Filed a dispute against the XXXX with Bank of America, the company whose credit card we used. We filed the dispute about XX/XX/XXXX. Soon after we were informed the dispute was denied because we did not submit necessary information. The person I talked to reviewed the file and saw that I had actually submitted the necessary information and they would resubmit it. Later we were informed that the pictures showing the problems with the products were not acceptable. I had to write out what the problem was. Pictures showing the problems were apparently not good. XX/XX/XXXX we received a letter dated on XX/XX/XXXX that the claim was denied. It stated that all available options were exercised and they were unable to obtain a credit from the merchant. And that they considered the claim resolved and wo n't respond to any further correspondence relating to this claim. We are not sure why they denied our dispute considering the documents we submitted to support it. And any attempts to find out have not be productive. Apparently they are not responding to any further correspondence relating to this matter. I have even attempted contact on XXXX and after doing what they say, do n't hear anything back. I can not give exact dates because when I attempt to access the information on their website it seems to have been removed. They wo n't answer my question on why that is either. On my account they have my address and phone number but tell me to send contact info. When I do they say they did n't receive it, even though they already have it. This has been going on for 4 months. All of the items we purchased had issues. Ca n't submit certain documents because I ca n't access them even though Bank of America says they will be accessible for 120 days. Bank of America has yet to answer why I ca n't access even though I have made numerous attempts to find out.
Product: Debt collection

On XX/XX/XXXX I initially filed a claim with the CPFB against RSI Enterprises in response to RSI sending validation showing that I owed the debt. Pursuant to 12 CFR 1006.18 a, A debt collector must not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Since then, these crooks have deleted my account attempting to cover up their deception. On XX/XX/XXXX, I sent a letter with an attached invoice for this violation. RSI responded by stating that I do not have an account with them. I called as suggested by the letter that I received on XXXX XXXX, XXXX, and there was still no resolution. My rights were violated as a consumer and I will settle for nothing less than what is owed to me. If this is not resolved then I will take this report, which is an attempt to resolve, to federal court.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to upload these documents on the Experian upload portal for identity theft. The documents will not upload. XXXX XXXX Account number, XXXX XXXX Account number XXXX XXXX Account Number XXXX XXXX XXXX Account number The XXXX XXXX Account Number. I did not open these accounts.
Product: Checking or savings account

XX/XX/XXXX Complaint against Bank of America Re : {$9800.00} stolen funds from theft XXXX XXXX on XX/XX/XXXX On XX/XX/XXXX I have reached Bank of America ( XXXX ) regional office located at State of Maryland regarding never returned stolen funds {$9800.00} since XX/XX/XXXX. I have left a message to collect stolen funds {$9800.00} plus 20 % interest, $ XXXX ( XXXX hrs ), all related fees as well as trauma, pain, suffering brought by Bank of America for illegally release consumer 's deposit on XX/XX/XXXX. I received NO any response for this debt collection call against Bank of America and theft XXXX XXXX. On XX/XX/XXXX I personally stopped at one of banks branch located at XXXX XXXX XXXX to speak with XXXX XXXX. She treated me badly ( discrimination ) by providing NO service compare with other customer. I have complained about that I have to recover my stolen funds immediately because this theft activity happened since XX/XX/XXXX. Now its been 5 years and bank of america totally ignore my several complaints filed to Consumer Financial Protection Bureau ( CFPB ). In XXXX and XX/XX/XXXX I have complained same matter to Bank of America 's XXXX branch for several times. On XX/XX/XXXX I have spoken with CFPB 's representative XXXX to ask assistance in order to recover stolen funds. I have clearly expressed my position : I NEVER authorized bank of america to release my deposit to a unknown theft such as XXXX XXXX ; I NEVER authorized anyone to represent me to do any banking transaction. I NEVER authorized XXXX XXXX to handle my bank account such as open new account, withdrawl funds, close accounts, obtain my personal identity, etc. In one word, I already notified law enforcement agency such as FTC, local police department, FBI, U.S. district court, State of Maryland circuit court to prosecute theft XXXX XXXX. This theft lied to the court and public : She can not handle my personal affair at all. She can only bring me damages, losses, pain, suffering, trauma, anxiety by losing my deposit. I once again ask bank of america to honor 5 cashier 's checks issued on XX/XX/XXXX due to bank 's stop payment. Cashier 's check was considering as cash and was guaranteed to pay. I am so upset that Bank of America has no any business credit at all. And can not protect consumer 's deposit. Because of this bank 's criminal activity, I lost trust toward XXXX XXXX  's practice. Please do not spread your financial crisis to me as totally irrelavent party. I have no any reason to accept such type of financial crime and deprive my rights committed by both Bank of America, XXXX XXXX, XXXX XXXX ( XXXX County Circuit Court in Maryland ).
Product: Mortgage

Two years ago I was charged with a fee of about $400 for a HARP mortgage .  The loan request was not processed by Chase Bank.  I requested return of the fee without Chase response.  I understand that HARP loans do not require a fee.  I want fee returned. XXXX address XXXX Indiana.  XXXX Phone XXXX       Chase Bank Branch located at      XXXX    XXXX Indiana                             
                         
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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 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 

XXXX XXXX XXXXXXXX Balance : {$31.00} ; XXXX  XXXX : {$16000.00} ; XXXX XXXX Balance XXXX {$5600.00} ; XXXX  XXXX Balance : {$110000.00} ; XXXX  XXXX Balance : {$2200.00} ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$35000.00} ; XXXX XXXX  XXXX Balance : {$110.00}.
Product: Credit reporting or other personal consumer reports

NOTICE TO AGENT IS NOTICE TO PRINCIPLE NOTICE PRINCIPLE IS NOTICE TO AGENT I am writing to inform you of my dispute regarding the account listed on my credit report maintained by your company. I assert that your company is subject to the arbitration agreement as stated on your company 's website, as well as the arbitration procedures provided by XXXX. I am fully aware of the financial implications associated with initiating arbitration proceedings, and I am extending you one opportunity to resolve this matter amicably. My settlement demand is as follows : Payment of {$6000.00} to compensate for the XXXX XXXX XXXX XXXX XXXX, and financial hardship that your actions have caused me. Deletion of the trade-in entry from all credit reporting agencies where it is currently listed. I want to emphasize that the costs associated with initiating arbitration proceedings, including filing fees, arbitration initiation fees, arbitration deposits, and any legal costs incurred throughout the arbitration process, will be significant. As per the arbitration procedures outlined on the XXXX website, you will be responsible for covering these costs, which could amount to tens of thousands of dollars. Failure to comply with my demands will result in the initiation of arbitration proceedings. I want to remind you that your continued collection activities may constitute a violation of the Fair Debt Collection Practices Act ( 15 USC 1692c ( c ) ), which prohibits communication through mediums other than mail upon request. I expect a prompt response within 15 DAYS, confirming your acceptance of my settlement terms and detailing the steps you will take to comply. If I do not receive a satisfactory response within this timeframe, I will proceed with arbitration without further notice. Please send all correspondence related to this matter to the address listed above.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a claim to Experian thru the CFPB that I an a victim of identity theft, and there response was " the need authorization. I did check off the box on the CFPB that ask me to give permission. for the Second time, My name is XXXX XXXX and I GIVE AUTHORIZTION TO EXPERIAN TO CONITINUE WITH MY COMPLAINT.
Product: Student loan

I have been asking for several years for an explanation of how the balance of my loan is so high. Frankly, I have another loan I am paying on through XXXX and thought that that was the only loan. Then I got confused when a company called XXXX was asking for money. I do not remember having XXXX loans. The loan was for my daughter to go to what was originally XXXX XXXX XXXX, then it changed to XXXX University. This school is closed. I have never received a breakdown of the total costs. The XXXX loan was about $ XXXX and I have been making payments. The XXXX loan I am disputing as they are saying that the amount now due is over $ XXXX and I have been disputing this for a while now. I have sent letters and only received a note of the original amount which was $ XXXX. I have yet to see a detailed statement of how on earth it has doubled. This seems like loan sharking. And they are now contacting my workplace. If the note can be proven to be accurate, I will assume my debt and pay that balance off. But the fact that I can not even see what the loan was for originally PLUS how it has grown to this substantial and overwhelming balance is more than frustrating.