23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

Wells Fargo opened XXXX debit cards under my XXXX XXXX university state ID and then when I found out they closed all my account including credit card which is totally separate from Banking system and the manager at XXXX XXXX XXXX loc # XXXX Named XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX they were XXXX owned by XXXX XXXX and her sister XXXX XXXX XXXX sister. 
Then I had fraud department do the investigation and found out to be the above stated people are the one stole my identity. The money spenders were my uncle XXXX XXXX and XXXX XXXX
Product: Mortgage

My mortgage was purchased from XXXX XXXX by Rushmore Loan Management. Rushmore has seemed sleazy from the get-go. As a result, I send all my mortgage payments " 2 day mail '' in case Rushmore lies about when they receive my payment and charge me late fees. Well, sure enough, they have charged me late fees when they have received the payment on time. I have documentation from Rushmore that they assessed late fees on XX/XX/2018, when they had already received my payment ( they received my mortgage payment at XXXX XXXX on the XX/XX/XXXX ). Rushmore was only to assess late fees on payments received after the XXXX of the month. Even though they had my payment on the XXXX ( they admitted to it ) they assessed a late fee of {$100.00} I have never paid late!!! Rushmore has assessed me a total of {$540.00} in late fees even though they have always been paid on time. I continue to faithfully pay my mortgage on time ( for 20 years ). Never late! But Rushmore has assessed late fees on payments they receive on time. Now, Rushmore has put my loan in default for not paying their bogus late fees ( All payment have been made ... and made on time ). I have no doubt that Rushmore has planned this all along. I see that your bureau has received 1,251,852 complaints about Rushmore. I have tried repeatedly to have Rushmore take care of this, but they won't fix it. I need your help! They need to be shut down, fined, etc.!! Thank you
Product: Checking or savings account

Cadence Bank XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX account # XXXX There was {$7400.00} added into my bank account which was posted XX/XX/2023. The banker wrote my checks out on two different checks of {$2200.00} which was {$4400.00} and there is {$3000.00} missing that Cadence Bank did not give back to me. They claim theres no other funds coming back to me, but the money was supposed to go back to XXXX XXXX which it didnt. I have the checks and the amount that was taken out and balance on screenshots if you need them to prove my point on what they did.
Product: Bank account or service

On XXXX XXXX, 2015 I log into Navy Federal Credit Union to setup some bill pay because I have my XXXX Salary go into this account there are some bill that nee to paid. Everytime I week there 's problem with my Navy Federal Credit Union Account either suspended my account for membership verification or withholding my pay because of fraud and not refund my money back into my account. Now today this what I see when I log into my account this message. 
Your service account has been suspended because we were unable to withdraw funds from your payment account. You will receive an email or letter in the U.S. mail about the returned payments. For info on reactivating your account, call XXXX. 

Please investagate the product and services and why they just suspended your account without notify you and ensure that are working according to United States Banking Federal RegulationsBecause your account is suspended, you are currently unable to use all of Navy Federal 's Bill Pay Service 's features. To cancel a pending payment or to print a list of your e-bills and payments, go to Bill History.
Product: Credit reporting, credit repair services, or other personal consumer reports

I writing to request that any charge off and 60 day late for any of my closed 3 XXXX XXXX XXXX accounts be removed from all my credit reports. I know that XXXX XXXX XXXX and XXXX XXXX XXXX fall under the parent bank known as XXXX XXXX XXXX. I have called and disputed this several times. I dont get it why XXXX XXXX XXXX is continues to report false information. XXXX XXXX XXXX need to take responsibility and please remove the charge off and 60 day late from Experian, XXXX, and XXXX. Like I have explained before I called the XXXX XXXX XXXX at the time of all 3 were approaching a 30 day late since these accounts were all secured under certificate of deposits under my dads name. We informed XXXX XXXX XXXX to close the XXXX XXXX XXXX accounts take payment in full from the CDs. There never should have been any 60 day late and never should have been any account in charge off. Its not my fault XXXX XXXX XXXX did not follow instructions that they agreed to do so on. If there was a remaining balance at the time then we were not properly advised. I was not aware there was a remaining balance till I spoke with XXXX XXXX XXXX in XX/XX/2017 which has since been paid in full. I agree with at worst there being 30 day late. The letter that XXXX XXXX XXXX is referencing regarding my knowledge was regarding two different checking accounts that I also had with XXXX XXXX XXXX   and has nothing to do with these 3 person loans and if wrong account number was references then that was typo. I will never do business with XXXX XXXX XXXX again or any of affiliates as they lie and mislead.
Product: Credit reporting or other personal consumer reports

To whom it may concern : I'm formally challenging you to review the date on file for me and ensure that it is accurate and up to date. I'm citing the Fair Credit Reporting Act ( FCRA ) section 611 as well as XXXX XXXX compliance standards in doing so. Any inaccuracies of deficiencies in the reporting must be corrected immediately. My credit report needs to be accurate and complete, so please follow these standards to ensure that you are meeting deadlines and maintaining accuracy. The information in the profile is wrong and it needs to be fixed immediately. Thank you for taking action to resolve this. 

Below is a summary of the data in which I am challenging : Summary of Accounts being challenged in list form JPMCB - CARD SERVICE ( XXXX ) - ( XXXX ) XXXX
Product: Student loan

I am filing this complaint because I am providing additional information regarding XXXX accounts that is showing up inaccurate in my consumer reports. DO NOT MARK MY COMPLAINT AS FRIVOLOUS. I HAVE ADDITIONAL CONTEXT ATTACHED BELOW. The company is NELNET and I have disputed with them multiple times about unresolved issues in my consumer reports with XXXX, XXXX, and XXXX. I have disputed with the CRAs regarding this matter and each of the XXXX accounts continuously comeback " verified '' instead of corrected. The company does not see it as an issue, and I have provided more than enough evidence to show that it is. This company is not updating the consumer reporting agencies with the correct information as the FCRA requires leaving my credit worthiness damaged, inaccuracies unresolved, and my proof of claim overlooked. It was stated by NELNET that NELNET 's system had correct information, I am not denying that, but I was trying to direct their attention to the fact that my reports contradict their statement per the payment history information the CRAs are providing me with from each CRA. My factual points are being regarded as irrelevant and even said to have no basis. I believe their claim to be statutorily inaccurate and in violation of the FCRA. I was told to file a complaint regarding the issue only when I have additional information regarding the account, and I recall when the CFPB prohibited Furnishers from demanding such things. The furnisher already has efficient evidence given to them directly from the consumer reporting agency 's websites and not pulled from a third-party credit report provide by companies like XXXX XXXX '. I have provided them evidence from the source of whom they furnished the information with, and they have still denied my claims that the accounts are reflecting inaccurately. Within the evidence I provided, it contained the erroneous information highlighted, circled, with supporting facts direct from the CFPB and even the FCRA statutes that supported such yet they still seem to be turning a XXXXXXXX XXXX to the current issues.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. 
Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress and compensations for the loss that I have taken.
Product: Credit reporting or other personal consumer reports

I am writing to urgently notify you that I have fallen victim to identity theft, leading to several fraudulent entries on my credit report. These 7 unauthorized accounts and 5 inquiries were added without my knowledge or consent, and they must be addressed immediately. 

ACCOUNTS 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 have already filed an official identity theft report with the Federal Trade Commission ( FTC ), and I am demanding the immediate removal of these fraudulent items to restore the accuracy and integrity of my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote to Transunion and   XXXX   ask for it to be remove they its valid, but I went to the bankruptcy court and given me a statement letter saying they do n't provide the credit reporting agencies any information about reporting my bankruptcy, or how they got it.  XXXX  said its not showing on my report from them, but on my credit report under the bankruptcy it show  XXXX  name either they are lying or Transunion and  XXXX  is reporting it wrongly and inaccurately, I have all documents and letter I sent them and the respond letter and letter from bankruptcy court .Also the creditor    XXXX    is  still making inquiries on me and they repo the car years ago, I sent letters, got a response letter they said that they can do please investigate to see if they still pull inquiries on me and on my report after these year s, Im trying repair my credit score  and these to credit reporting agencies are reporting inaccurate information, thank you my contact is  XXXX   XXXX   XXXX ,  XXXX    XXXX    XXXX   XXXX   XXXX , (  XXXX  )  XXXX , thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXX  XXXX XXXX  XXXXXXXX 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

Transunion, XXXX, and XXXX continue to report inaccurate information on my consumer report. The reason each reporting agency keeps reporting the information is due to the financial gain. Transunion, XXXX, and XXXX are monetizing my consumer report but will not provide an accounting record of the consumer account history to verify. 

The reason they will not remove the inaccurate information is due to the financial gain which makes the decision biased. This inaccurate information is adversely effecting my consumer report. 

TransUnion Commission file number XXXX XXXX XXXX Commission File Number XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is my numerous attempt to inform you that I am an identity theft victim and that certain data in my file appear to be the result of improper activity. The documents I'm looking at have nothing to do with transactions that result in the acquisition of any property, money, or products that I have either made or approved. Block the entry of any information in my credit record that resulted from a claimed scam or extortion, assuming no one will care in any case. 

XXXX XXXX XXXX Balance : {$2500.00} XXXX XXXX XXXXXXXX Balance : {$6500.00} XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX Balance : {$20000.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX  XXXX Balance : {$230.00XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

This is my last effort to resolve this matter before I pursue to taking legal action. This company had reported an account on my credit report that I believed to be inaccurate and in violation of the FCRA. Hence, I wrote to this company not only disputing this account but asking them to prove the validity of it and asked that the item is removed if they couldnt produce the requisite information. No signed contract was produced to show this item belonged to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I attempted to ask XXXX and Equifax to remove fraudulent credit inquiries after an agency illegally ran my credit WITHOUT my approval. I was told I had to give my social security number over the phone so they could verify me before they could answer any questions about my inquiry when I was only CONSIDERING refinancing my home of 35 years. I told the phone agent that I would comply since that was their business policy, but I was NOT giving permission to run it. 

The agent lied to me, ran it anyway and later called me and said he had come up with a great package for me! I was surprised and disturbed, but he sad he hadn't understood me ( he said I must give him my social security number to verify me over the phone, I did not give him permission to use it ), but not to worry it was only him pulling it and the deal was great! I was even going to get money back! He told me he would email the loan package and I should sign, but not tell anyone what a great deal I got. 

Later on, after I showed the package to my daughter, she told me to not sign it because the phone agent offered me excessive, XXXX rates of nearly 30 % interest! A while later when she looked at my credit, my score had dropped severely. She explained it was due to all of the hard inquiries. After that, it became a consistent problem - credit card agencies, auto dealers, etc. Sometimes, multiple times a month my XXXX XXXX showed hard pulls that I never contacted or gave permission to. My score was in ribbons! I tried to get them off but was overwhelmed and confused. I was told to call each company, which I did. Many are still on there. They told me even if they did not have permission from me that it was a common practice and they would drop off after two years. That is unfair to me. Here is the list from XXXX. I never gave these companies permission to check my credit and feel my information was passed around without my knowledge or consent. Equifax 's is in the next box due to space : XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX BOX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX BOX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX, RI XXXX XXXX BOX XXXX XXXX XXXX, CA XXXX XXXX BOX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Collection Agency Name : XXXX XXXX XXXX XXXX Account Number : XXXX Collection Agency : XXXX XXXX, Account Number : XXXX, Collection Agency Name : XXXX XXXX XXXX Account Number : XXXX, In accordance with 15 USC 1692g , I, XXXX XXXX XXXX XXXX consumer, am notifying you that I dispute this alleged debt. I ASK THAT YOU SEND ME VERIFICATION OF THIS ALLEGED DEBT. PROOF THAT THIS ALLEGED DEBT BELONGS TO ME, A FORMAL DECLARATION IN WHICH YOU SWEAR TO THE TRUTHS OF THE STATEMENTS OF THE FACTS OF THE MATTER, HAVE FIRST-HAND KNOWLEDGE, AND MUST BE NOTARIZED, ARE REQUIRED FOR VERIFICATION. The Fair Debt Collection Practices Act requires you to stop collecting on this purported debt since it is being disputed, and this includes reporting to XXXX, TransUnion, and XXXX about it. I hereby inform you that you do not have my consent to communicate with me through any medium. Furthermore, I DID NOT consent to you having my personal and private information. This constitutes aggravated identity theft. I also DID NOT consent to you reporting information in my name to the consumer reporting agencies. You are in non-compliance with the Privacy of Consumer Financial Information Rule of the XXXX XXXX XXXX XXXX for sharing my nonpublic personal information to nonaffiliated third parties and not providing me a notice that complies with section 6803 and giving me the opportunity to opt out pursuant to 15 USC 6802. I request that you provide me the " XXXX XXXX of XXXX '' document, which details the price you paid for this loan. ANY ATTEMPT BY YOU TO COLLECT MORE THAN WHAT YOU PAID FOR THIS DEBT IS A MATERIAL MISREPRESENTATION, FRAUD ON THE COURT, AND FALSE & MISLEADING. A WARNING IS BELOW! YOU HAVE VIOLATED MY RIGHTS AS A CONSUMER AND IF YOU DO NOT CEASE ALL COLLECTION ACTIVITIES AND REQUEST FOR THIS ACCOUNT TO BE DELETED FROM MY CONSUMER REPORT, I WILL COMMENCE A CIVIL ACTION AGAINST YOUR COMPANY, IN THE UNITED STATES DISTRICT COURT. Please be advised that if you fail to respond to this dispute within 30 days, I will be forced to escalate this matter and take appropriate legal action. I also reserve the right to file complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) if you do not comply with my request. Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Balance : {$6.00}
Product: Credit card or prepaid card

I purchased a smart tv, when I found a great deal at XXXX XXXX. I found their advertisements to work really good for me. 
Sign up for zero % interest for 24 months and get an extra 15 % off XXXX XXXXSynchrony Credit Card. 15 % credited back to your credit card. 
I have called, and I have emailed this credit card comapny they told me it would take a few payments to give this 15 % credit. I purchased this tv XX/XX/XXXX! 
My last contact with this company was to both XXXX XXXX XXXX and Synchrony Credit Card XX/XX/XXXX and XXXX, XXXX. 
I have been ignored and given nothing but the run around. I still haven't heard anything from either company since!! This is totally unfair and fraudulent. 
Please help Thank you, XXXX XXXX XXXX XXXX XXXX XXXX, Mi XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern I have been loyal customer to XXXX XXXX  credit card for over 5 years and during the 5 years I never missed a payment under any circumstances and been paying higher interest to them and fees more then XXXX $ over the years. Recently and when the covid 19 pandemic had started in XXXX I lost my job like to many New Yorkers and lost my uncle due covid 19 and I had the worst Financial situation in my life I called my bank begging for help and trying to explain to them how bad is the situation here XXXX at the time but they werent even ready to hear my story they said we can help you because you late already 20 days or so. that call was made In the middle of XX/XX/2020 and they said there is nothing we can do to help you. You still have to pay us the high interest and the late fees otherwise we will report you to the credit agency as a missed payment. also, I called later on XXXX to beg them to not report me as missed payment after they report missed payment for XXXX their answer were the same I begged them to report me at least as ( affected by the pandemic ) not missed payment and yet they refused and were so heartless and money hungry they were waiting for 5 years to do that to me. 5 years of perfect payments which they didnt like because they couldnt charged me higher interest then which is already high 24 % interest rate. Please help to stop these big bank who took advantage of me because the pandemic and destroyed my Financial history. These big bank didnt follow with care act specially XXXX XXXX with I had to beg for help that I never got from them .and kept reporting me as missed payment like I choose to to miss payment and they forgot it was all out my control and I was a victim of a natural or declared disaster. Nevertheless, I called Experian to ask for their lawful help and my right from the CARE ACT but they werent helpful at all and rolled for the big bank favorite and said even tho it was pandemic you were still have to pay them the only time you wont have to be them its if you dead.
Product: Credit card or prepaid card

I am the vendor of a software company. A customer purchased our software using a credit card issued by JPMorgan Chase Bank N.A. - Debit. 

The customer agreed to our refund policy that stated no change of mind refunds, only if the software does not work as advertised. This is clearly listed on our order form. 

A few weeks later the customer opened a dispute saying the product was not as described. They never contacted us about any issues with the software, and we have thousands of other users who have not had any issues and we know the software has been working fine. 

I even tried to email the customer several times when I was notified of the dispute and they never responded - not once. They clearly just wanted a refund and against the refund policy they agreed to when they purchased. Again, the software has been working fine for all our other 1,000+ members. 

All of this information was provided to the bank when a charge-back dispute was filed and the bank sided with the customer. Not only are we out the money the customer purchased with but also a {$25.00} charge-back fee, through no fault of our own. This also puts a bad mark against our business name with Stripe - again when we have done absolutely nothing wrong. 

I am not going to let banks keep getting away with breaking the law and tarnishing businesses reputation in this way just to satisfy their customers so they are happy to keep spending on their credit cards. 

If the bank can not provide me with real proof of the issue the customer had with our software, then this is nothing short of fraud being allowed by the bank. 

I want this charge-back reversed and all fees returned to me asap. 

Transaction Date : XX/XX/XXXX, XXXX XXXX  Customer Email : XXXX Customer Name : XXXX XXXX Payment Method : VISA XXXX Amount : {$290.00} USD Seller : XXXX XXXX XXXX Description : Purchase of Messenger Robot ( Yearly ) Disputed on : XX/XX/21, XXXX XXXX