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

My initial complaint was filed with the FDIC, who forwarded on my complaint to you case ( # XXXX-XXXX ). I would like to clarify that this is not the first time I have been charged overdraft fees by BRANCH BANKING AND TRUST COMPANY. 

As I have often reviewed my statement on a daily basis, I noted that BB & T practices in " Misrepresentation of account balances and reordering of credits and debits to push customers into overdraft, allowing the banks to collect bank overdraft fees. '' I have noted that in reordering of credits and debits often occurs between XXXX-XXXX XXXX, when one is typically asleep. I have contacted BB & T on several occasions and explained this practice was occurring. Their operator has reported to me that that is just what happens. I have lost hundreds of dollars over the years to BB & T because of their reordering. I have often been charged, despite a credit coming in at same time ... but they conveniently reordered it so I would fall into overdraft. 

As a consumer I am tired of being robbed by this banking system and would like ALL of my fees over the years returned to me as factually, this practice is illegal. 

I have decided that from now on I will be recording ALL data that pertains to these " overdrafts '' and will be forwarding the documentation to you. But, I am sure that requesting data from their computer systems will clear this up, as it is clearly evident of their practices.
Product: Consumer Loan

Through a consumer action agency, I made contact with Apothaker XXXX P.C. ( the attorney 's office ) handling a judgement against me for XXXX XXXX credit card. The only offer they would make required me to pay {$640.00} /mo for two years. They said they had a rule against extending the time. 
I am a XXXX veteran on a fixed income and ca n't possibly meet these demands.
Product: Mortgage

for almost 3 years since pandemic started we been trying unsuccessfully to get our XXXX loan XXXX by chase bank to be modify, into a fix rate and longer period we submit each and every document that they demanded and where given runaround by at XXXX  XXXX different Case manager by phone all documented with their name and ID and transcript of discussion at present time we are behind 6 months and find out that Chase bank submitted our loan to their attorney XXXX away to proceed with foreclosure.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, XXXX, and XXXX is reporting 2 accounts on my credit report and they are not my accounts. I never received anything in writing about these accounts from either company or from all 3 major credit bureaus. 

XXXX XXXX XXXXXXXX XXXX  XXXX
Product: Credit card or prepaid card

Last XXXX, I opened a Synchrony XXXX XXXX, which offered a sign-on bonus of {$100.00} if you charged {$1000.00} on the card in the first three months. I met the {$1000.00} requirement within two months. 

Subsequently, I made about a half-dozen calls to Synchrony because I did not receive my bonus. In each case, I was told to wait for the bonus. Today ( XX/XX/22 ), I called again and was told to wait two more billing cycles. I gave up and closed the account. 

I can not help thinking that the way they handled the bonus could be part of a business model. I did exactly what they wanted. I grew tired of complaining and gave up.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/XXXX I wrote certified letters petitioning XXXX, XXXX and Transunion about erroneous items on my credit report, I asked for validation of these accounts and my authorizing of them to the creditor according to Section 609 of the Fair Credit Reporting Act, despite my legal rights of the aforementioned private agencies to report show validation of their reporting, I have received no such proof. This lack of effort/proof is leading to a negative fray on my financial representation and essentially leading to institutional slander of my credit worthiness. I also, sent certified letters of the same on XX/XX/XXXXto the aforementioned private entities and once again to no avail as to providing proof of reported accounts. My next step is legal action and I am petitioning this body of law enforcement to arbitrate and save both parties the negatives efforts such a case would bring about.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing a complaint after being harassed by these companies for the last three years since my debt has been paid in full. These debt companies have called several times during all different hours of the day, written, contacted my work, contacted my family members and asked my whereabouts over a debt that has already successfully been paid since XX/XX/XXXX while I was living in XXXX, Alaska. If I remember correctly the majority of the loan was repaid through XXXX XXXX XXXX and then the last thousand or so dollars was turned back over to the State through the Alaska Commission of Post Secondary Education to satisfy the remanding balance of the loan. The Alaska Commission on Postsecondary Education sent me a letter verifying the debt had been paid. The Education Loan I am referring to is : Education Loan Number : XXXX XXXX XXXX in the total amount of {$6700.00}. These companies are threatening to charge interest fees on the loan that has already been satisfied as well. I had contacted the Alaska Commission of Postsecondary Education regarding this in late XXXX maybe early XXXX in which they said they would contact the companies and let them know that the debt had be satisfied. That obviously did not happen. This has caused financial stress on our family for the past three years and my credit is non-existent. This was already a stressful time for my family and this added immensely to it. It is not acceptable for companies to continue to do this to me, or to anyone. These companies should be held liable at the highest extent possible. Should they continue to do this I will sue them. The companies are the following : XXXX XXXX XXXX   XXXX. XXXX XXXX XXXX XXXX, PA XXXX Disputed Sums, Navient XXXXXXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX. 
XXXX, NY XXXX Alaska Commission on Postsecondary Education XXXX. XXXX XXXX XXXX, AK XXXX Your attention to this matter is greatly appreciated. I already contacted these companies in writing to let them know I do not owe on this debt, t has been paid in full, included the letter from Alaska Commission of Postsecondary Education stating the same, and also notified them that I would be making a complaint with the Consumer Financial Protection Bureau, State Attorney Generals Office, and Federal Trade Commission. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX, AK XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 XXXXXXXX
Product: Credit card or prepaid card

I have a card with Capital one Bank I have been paying off for the past XXXX years. I have XXXX payments left and requested a settlement. I reached out to them and they refuse to allow me to settle after I explained XXXX dealing by with a hardship.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting XXXX XXXX XXXX XXXX XXXX has violated my rights. This account is not my account nor was I the primary. I was only added as an authorized user to this account. I was removed from this account as an authorized user. The account does not belong to me and has been inaccurately reported to my credit report.
Product: Student loan

I have been a XXXX at an XXXX in a eligible content area and I have repeatedly submitted application to Sallie Mae/XXXX only to be told I 'm not eligible. This has been going on for almost XXXX years and I just get the runaround. First I 'm told that the financing period has expired, or the eligibility period has. When my loan was disbursed and I applied I qualified. After 4 continuous years of getting the runaround the disbursement period did lapse, but that was because they Sallie Mae gave me the runaround. Sometimes it took as long as 3 months at a time to get any kind of response and of course, I was told on XXXX occasions that Sallie Mae lost my documentation AFTER confirming that they had all the necessary documents.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint against Equifax regarding their ongoing and seemingly deliberate delays in processing my credit dispute requests. Specifically, every time I submit a dispute to Equifax, I receive a response claiming that the documents I provided are illegible. However, I have submitted the same documents to XXXX and XXXX without any issues ; both agencies have acknowledged and processed my disputes without any issue at all. 

To date, I have received XXXX identical letters from Equifax alleging illegibility of my documents. Each time, I have taken care to send my dispute documentation via certified mail, incurring a cost of {$10.00} per mailing. These repeated delays and additional expenses are causing undue financial and emotional strain, as XXXX refusal to process my disputes prevents me from addressing critical inaccuracies in my credit file. 

Given that XXXX and XXXX have successfully processed the same documentation, I believe Equifaxs response constitutes a stall tactic rather than a genuine issue with the legibility of the documents. This practice is unacceptable and appears to violate the Fair Credit Reporting Act 's requirements for timely and accurate dispute handling. 

I am requesting your assistance in holding Equifax accountable and ensuring they process my dispute without further delay. Additionally, I would appreciate a review of their practices to ensure compliance with federal regulations. 

Thank you for your attention to this matter.
Product: Checking or savings account

One of our savings account was arbitrarily closed by Bank of America for no apparent reason last XXXX XXXX, 2020, without informing us. My wife & I strongly feel that we were discriminated & treated unfairly. We just received a letter by mail from the bank on XX/XX/XXXX informing us of the closure 4 days after we discovered it on line. We have been loyal clients of the bank for 24 years and it is the only bank where we have maintained several personal & checking accounts as well as our home mortgage, home equity line of credit & business checking accounts. We are on the highest customer tier of the bank as Preferred Rewards Platinum Honors & have excellent credit scores. We have been in very good standing with the bank until this troubling incident. The savings account had a remaining balance of {$1900.00} which was an active account. When we inquired about it, Bank of America said it was a " business decision '' & that they had the right to close an account without informing the client based on the terms & conditions signed when the account was opened many years ago. 
Numerous attempts were made by us through calls & emails to top management to clarify & know the reason why it was closed. Our calls were filtered for the most part. To make matters worse, the Bank has prohibited us from opening a new account despite the fact that we have our other accounts with them. It gave us the impression that we have committed fraud or a crime. Our concern was just totally ignored by the bank 's top management. 
On XXXX XXXX, XXXX XXXX, Supervisor of Bank of America Customer Relations called us just to inform us of this unprofessionally handled business decision & that our concern can not be elevated anymore to top management. My wife & I really find the bank 's action very discriminating, unacceptable, insulting & offensive. 
We are submitting the emails / letters ( as attachments ) we sent to XXXX XXXX XXXX, Chief Client Care Executive & XXXX XXXX XXXX, CEO of Bank of America detailing our concern for your review.
Product: Credit card or prepaid card

XXXXXXXX XXXX calls my phone multiple times a day. Calls from different numbers multiple times a day in attempt to collect debt. leaves messages, but continues to call after messages have been left. Leaves intimidating messages. Calls from private or blocked numbers. does not state where they are calling from in messages left. Calls my mother repeatedly, and they already have my address and phone number to locate me. They disclosed to my mother my debt with the company and i have NEVER given them permission to contact her, nor is she a co-signer on the card or affiliated with the account in any way. Planning to pay what i can tomorrow when i get paid, but do not appreciate the harassment.
Product: Credit reporting, credit repair services, or other personal consumer reports

During XX/XX/XXXXwas out of school for 7-8 months. Was unable to pay ~ {$600.00} amount that had left deferment in XX/XX/XXXX/XX/XX/XXXX. Went back to school a month after I was notified of amount needing payment ( XXXX ) and loans all re-entered deferred status. 

I am now out of school and have made the following payments : XX/XX/XXXX Payment {$30.00} {$26000.00} XX/XX/XXXX Payment {$30.00} {$26000.00} XX/XX/XXXX Payment {$30.00} {$26000.00} XX/XX/XXXX Payment {$30.00} {$26000.00} XX/XX/XXXX Payment {$30.00} {$26000.00} XX/XX/XXXX Payment {$30.00} {$26000.00} XX/XX/XXXX Payment {$30.00} {$26000.00} XX/XX/XXXX Payment {$30.00} {$26000.00} XX/XX/XXXX Payment {$34.00} {$26000.00} XX/XX/XXXX Payment {$270.00} {$26000.00} I am asking that the 2 missed payments that are showing as 120 days late for every semester of loans ( 9 semesters total ) are removed from my credit report. 

I have reached out to the XXXX XXXX XXXX XXXX XXXX, submitted a credit dispute, asking to reduce or remove those reports, and was denied. I was not asking for a removal of payment, just removal from credit reporting. 
Submitted a dispute with XXXX in the past, XX/XX/XXXX with no resolution from agency
Product: Credit reporting or other personal consumer reports

Upon careful review and investigation, as per FTC Report Number : XXXX. I noticed fraudulent and unauthorized accounts listed on my credit report file and filed for Identity Theft. I requested for all listed accounts below be deleted and removed from all three of my credit report files : Experian, XXXX, and XXXX, however, accounts are still being furnished inaccurately. Now, according to the Fair Credit Reporting Act-FCRA codes : 15 USC 1681 ( c ), 15 USC 1692 ( g ), 15 USC 1666 , 15 USC 1681 ( b ), 15 USC 1601, 15 USC 1681 ( 4 ), 15 USC 1681-623 ( a ), 15 USC 1681-604 ( a ), the list of accounts below has violated my federally protected consumer rights XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, United States Department of Education-EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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. In addition, I have sent several disputes requesting the deletion and removal of these items but I do not know why the accounts listed above are continuously being updated and not permanently deleted/removed from all three credit bureaus files ; Experian, XXXX, and XXXX.
Product: Checking or savings account

Hi there I am unable to open a checking account key hassled free account there I am on XXXX and the bank is refusing to help out there so I want to know why they wont allow me to open one there for direct deposit the bank will not respond to my email asap so I need help there I want a answer back from the back there
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also c
ontravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 
5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Debt collection

I have never received any attempts from XXXX to collect a debt and haven't used them for >2 years. I received a collection notice from Convergent Outsourcing , Inc. stating I had a debt of {$37.00} from XXXX XXXX for recovery of 70 % of the debt, and I could pay 3 different ways, Online/Phone/Mail. I went online to try to pay the debt - they had me enter the account number from the letter, my last 4 of my social security number and my zip code and my last name. The website will not accept my information to " locate my account. '' When I call the phone number to try and pay, half the time they state " please call back during regular business hours '' and the other time they have a recorded message stating " there is not a representative available to take your call, goodbye. '' In short, this seems to be a phishing scam/fraudulent company that is hoping someone will just give in and mail them the check instead of verifying the debt.
Product: Credit reporting or other personal consumer reports

Upon checking my credit report today, I was surprised to find inaccurate accounts listed, and I have no explanation for why they are there. I routinely monitor my report, but this time, I noticed discrepancies that hadnt been there before. I even attempted to refresh my browser, thinking it might be an error, but the accounts remained. Due to this issue, I kindly ask for a detailed review of the documents Ive submitted to ensure I never have to deal with this problem again.
Product: Credit reporting or other personal consumer reports

I have sent certified letters to the credit bureau 's in concern about these inquiries. 
The last date I sent letter out was in the month of XXXX, XXXX. 
XXXX. XXXX ( never applied for an account here ) XX/XX/XXXX XXXX XXXX ( never applied here ), XX/XX/XXXX XXXX. Xactus / XXXX XXXX  ( not mine ) XX/XX/XXXX XXXX XXXX XXXX ( not mine ) XX/XX/XXXX XXXX XXXX XXXX ( not mine ) XX/XX/XXXX XXXXXXXX XXXX  ( should have only ran my credit one time, Its two ( Remove one ) XX/XX/XXXX XXXX XXXX XXXX ( not mine ) XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX ( never applied for a mortgage until XX/XX/XXXX ). not mine XXXX XXXX ( I have a n account with them, but haven't applied for anymore loans since XXXX, they're showing it as a vehicle loan and it's a regular loan. it needs to be changes. 3rd time requesting this. 
XXXX. XXXX XXXX ( never applied ) XX/XX/XXXX XXXX. XXXX XXXX ( XXXX ) I did a settlement offer with them, the last representative lied to me and stated that once I paid the last payment, which was over {$1000.00} that it would be removed off my credit report. She lied about it, and I tried to dispute it because they couldn't provide me with signed paperwork, cause there are a third party, a company that buys individual accounts.
Product: Credit reporting or other personal consumer reports

Please see attached documents. Do not close this comasplaint stating it is not me. I am a natural person and a cosfnsumer.
Product: Debt collection

After reviewing my recent credit report, I discovered several accounts that seem unauthorized and incorrect. I request the immediate blocking and removal of these fraudulent accounts.
Product: Credit reporting or other personal consumer reports

Someone is opening credit cards, requesting loan approvals and using different addresses, work locations that are not mine nor did I work in those places. There are companies like Discover, XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX  XXXX XXXX XXXX that have been using my old name that has not been used by me since I got married over 18 years ago. The individual or individuals that are using my information to try to open different accounts seem to be from XXXX  since those are addresses that I see under my credit report. They are using places that I've never heard of for work, such as XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX and different addresses as well. These are just to name a few of the companies and things being done as a pretense to be me.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have contacted all XXXX credit bureaus as well as SYNCB/XXXX times challenging the accurate, compliant, and factual reporting of an account that is showing on my credit report. each time it comes back verified as accurate ... .what type of investigation are these companies doing when there are so many violations and inconsistencies in the reporting between the XXXX bureaus? there is no way they are conducting a proper investigation as required by law ... .i have attached a copy of the credit reporting with the errors i see circled,,,,, this account has been re aged which is a violation, this account is reporting a a charge off with a {$920.00} balance and it is also reporting a credit limit and a past due ... those are all violations as a " charged Off '' account should not be reporting any of that ... .look at the 2 year history it is not uniform across the board which it should be...