23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Calvary Portfolio Collections with a phone number of XXXX keeps calling me asking for " XXXX XXXX ''. I have blocked this number however ; they still continue to call me. My number has NEVER been associated with XXXX XXXX. My phone number XXXX has ALWAYS been associated with XXXX XXXX XXXX ( me ). I called the number back today XXXX and put in extension XXXX which was left on my voicemail. The persons name was XXXX. When I called back, a lady answered and it was not XXXX. I called at XXXX on XXXX XX/XX/2020. She asked if I knew XXXX and I said no to stop calling me. The history of calls is as follows : 1 ) XXXX XXXX XXXX 2 ) XXXX XXXX 3 ) XXXX XXXX XXXX 4 ) XXXX XXXX XXXX 5 ) XXXX XXXX XXXX 6 ) XXXX XXXX XXXX 7 ) XXXX XXXX XXXX This is ridiculous. They are just calling anyone with the name " XXXX '' to try and reach XXXX. I am tired of the harassing calls. I am NOT XXXX XXXX.
Product: Credit card

I am filing a formal complaint against Bank of America regarding the inaccurate reporting of account XXXX XXXXXXXX with a balance of {$7900.00} on my credit report. This account is being improperly reported and must be removed permanently for the following reasons : 1. Inaccurate or Unverifiable Debt Bank of America has failed to provide sufficient validation of this debt despite multiple requests. Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681s-2 ), all reported information must be accurate, complete, and verifiable. If Bank of America can not provide proper validation, the account must be deleted immediately.

2. Possible Violation of the Statute of Limitations If this debt is past the legal statute of limitations for collection in my state, Bank of America can not legally enforce or continue reporting it. Please request verification of the date of first delinquency to confirm whether this account should still appear on my credit report.
Product: Credit card or prepaid card

On XX/XX/2020, I logged onto the Capital One mobile app to pay off my credit card balance. At that time, my total balance owed according to the app and my statement was {$3400.00}. I paid that amount on XX/XX/XXXX, the due date for my payment. On XX/XX/202, I received an email saying my Capital One statement was ready to view. There shouldn't have been a statement because I had just paid my card off 4 days earlier. I logged onto the app and noticed a new interest charge of {$58.00} had been added on XX/XX/2020. 

I called Capital One 's customer support line on XX/XX/2020 to dispute the {$58.00} charge. I waited in the queue for more than 30 minutes before I had to hang up. I called again on XX/XX/2020 and again waited in the queue for over 30 minutes before reaching a representative. After explaining the issue, the representative told me that he hears this complaint all the time from other customers and that there was nothing he could do about the {$58.00} interest charge. I asked him why the {$58.00} interest charge wasnt included in my TOTAL BALANCE on the app on XX/XX/XXXX, he didn't know the answer. He said next time I want to pay off my card, I should call the customer service line and get a payoff estimate from a representative. I escalated the call to a manager who said that he also gets this complaint regularly, and that he's not sure why the last interest charge is not included in the TOTAL due on the app or online portal. He said he has brought it up in focus groups and meeting aimed at providing better customer service and that at this time, he wasnt aware of a resolution. He also said he could do nothing about the {$58.00} charge. 

My complaint about Capital One is LIMITED TRANSPARENCY. Consumers looking to pay off their card balance should not have to jump through fiery hoops to find out what their total balance due is. They also should not have to call and sit on hold for more than 30 minutes to get an accurate payoff amount from a representative - if this information is available from a representative, it should be available on the app, the online portal, their statement, and everywhere else consumers can go to access their account. It is at best an unfair business practice to have consumers pay off their card balance according to the app or online portal, and then have additional residual interest show up 3 days later. There isn't even a warning on the app that this might happen, which would at least alert consumers to the possibility that their payoff balance may not be accurate. It is suspicious that the interest charge shows up AFTER paying the balance off.
Product: Mortgage

On XX/XX/XXXX XXXX XXXX XXXX and XXXX XXXX, Enter into a settlement agreement with XXXX BANK XXXX XXXX A. AS XXXX THE XXXX XXXX XXXX.AND THEIR SERVICERS : XXXX XXXX XXXX XXXX. 
and I placed a complaint with this agency on ; XX/XX/XXXX complaint that XXXX have never provided proof that they honor the settlement agreement terms by the removal of fees and a reduction of outstanding balance ; reducing principal and interest from : {$470000.00} to {$430000.00} on XX/XX/XXXX see attached settlement agreement copy and payment of taxes, interest and principal payment according to promissory note ; PRINC & INTEREST {$1300.00} ESCROW UNTIL XX/XX/XXXX : {$95.00} PAYMENT EFFECTIVE XX/XX/XXXX {$1400.00} PER MONTH See escrow activity ( attached ) So We have request in Writing phone calls and Error resolution letter of our account activities and never got any answer on XXXX XXXX XXXX XXXX  transfer loan to : SN SERVICING XXXX XXXX XXXX ; building XXXX XXXX XXXX, LA XXXX Loan # XXXX Hoping the new servicer will Honor the agreement it got worse request again again for account activity, statements, proof of correction of fees and balances reflecting settlement agreement to this date they have ignored all my requests by writing and phone calls and emails see attached corresponds from SN SERVICING our dispute is {$36000.00} settlement agreement and {$13000.00} of unspecified fees WE WANT PROOF OF CORRECTION AND A W-9 AND A DETAIL OF ACCOUNT ACTIVITY WE HAVE NOT BEING ABLE TO DO ANY LOSSMITIGATION BECAUSE OF THIS ERRORS see all attached documents to collaborate our dispute. 

XXXX and XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out and they stated that the information has been verified but by how? not from me and never received anything asking me did I do anything or lived here
Product: Credit reporting, credit repair services, or other personal consumer reports

I've filed a dispute about my credit report and the incorrect items below stated on my credit report. Its been over 30 days since I contacted Experian, XXXX, and XXXX, and have not received any investigation results back yet, so hence this complaint. 

Below are the accounts I have disputes with, please review and help me out with this. 
Thanks so much. 
XXXX XXXX XXXX XXXX XXXX XXXX # XXXX Account status ( Closed ) {$2500.00} Date opened : XX/XX/XXXX XXXX XXXX XXXX # XXXX Account status ( Closed } {$3500.00} Date opened : XX/XX/XXXX XXXX XXXX Account numberXXXX  Closed {$690.00} Date opened : XX/XX/XXXX XXXX Account number XXXX Account status Open Date opened XX/XX/XXXX Account type Education Loan {$17000.00} XXXX XXXX Account status : Open Date opened XX/XX/XXXX Account type Education Loan {$3900.00} XXXX Account number XXXX Account status : Open Date opened XX/XX/XXXX Account type Education Loan {$1700.00} XXXX Account number XXXX Account status : Open Date opened ; XX/XX/XXXX Account type Education Loan {$3000.00} XXXX XXXX Account : Open Date opened : XX/XX/XXXX Account type Education Loan {$870.00} XXXX XXXX Account status Open Date opened : XX/XX/XXXX Account type Education Loan {$3100.00} XXXX XXXX XXXX XXXX opened XX/XX/XXXX Account type Open account {$67.00}
Product: Checking or savings account

Tuesday, XX/XX/XXXX my wife and I 's WellsFargo checking account must have been hacked and there was an unauthorized wife transfer sent for {$6900.00} clearing out our account. We found this out by WellsFargo sending us an email of suspicious activity on our account and they froze the account. Immediately, we filed a fraud claim report stating we did not authorize this wire transaction and were seeking to get the funds refunded to our account. In addition, we closed the accounts and opened all new ones because of the fraudulent activity on the accounts. WellsFargo has since denied our claim stating that we authorized the transaction when we did not, in fact the reason we found out about this was WellsFargo sending us an email stating suspicious activity on the account?!
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 ( XXXX ). 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 XXXX XXXX These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint of the balance that was currently on my account. I was told that it was correct it when I open my credit report on today, I see that Exeter finance has went back on their word and changed the reporting on my credit report back to negative remarks and not the information they stated that would be changed to.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unable to contact Equifax after learning that my data " may have been '' compromised to find out how to protect myself from identity theft and/or fraud. 

I have tried phone calls ( various numbers ) for the past two weeks but can not reach a person. I have tried to cancel my account by email, postal letter and phone to no avail. At the same time, I signed up for their " supposedly '' free identity theft and monitoring service www.trustedid.com but can not reach anyone or manage the new account as the website is " not available ''. 

Frustrated and concerned - Equifax is abusing its consumers and their management may be criminal in their conduct. Write your congressional representative!
Product: Credit reporting or other personal consumer reports

I have repeated letters and verbal disputes filed with Experian about XXXX account since XX/XX/2024. I have called twice and spoke with an Experian representative about the account in error. I have received a form 1099 C " cancellation of debt ''. I am asking that Experian report {$0.00} balance on my credit report and I have submitted the form 1099 C for validation to my request.
Product: Checking or savings account

Funds were stolen from my savings account at XXXX XXXX. One of the fraudulent transfers was made to an account at Chase Bank. I obtained the transaction number and the ach transfer number from XXXX  XXXX. I contacted the fraud department at chase bank to report this info in an effort to find who stole my money. I spoke to a supervisor in the fraud department at chase bank. He was completely uninterested in the information. He was unwilling to investigate this fraudulent transfer of my stolen money to chase bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Equifax Recently i did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generalIf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. Thanks for your help with this matter. 

1. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX XXXX  Account XXXX : XXXX Please remove it from my credit report. 

2. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

3. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX Account Number : XXXX Please remove it from my credit report. 

4. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

5. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

6. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX Account Number : XXXX Please remove it from my credit report. 


Sincerely, XXXX XXXX
Product: Student loan

I submitted a PSLF form on XX/XX/XXXX to certify my employment. This form was processed on XX/XX/XXXX with no change to my qualified payment count, although I should have received XXXX payments added to my count. 

I submitted a new PSLF form on XX/XX/XXXX to certify my employment through XX/XX/XXXX and put me over the XXXX qualified payments needed for PSLF loan forgiveness. 

The form I submitted on XX/XX/XXXX was incorrectly marked as a duplicate and cancelled by Mohela. This issue happened to countless other borrowers per online forums. 

When I contacted Mohela via chat, I received no resolution. When I followed up via phone, I was told my form would go back in the queue and it would take an additional 30 business days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX XXXX  Balance : {$13000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXBalance XXXX {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$2900.00} XXXX XXXXBalance : {$74.00}
Product: Checking or savings account

Wells Fargo settlement for creating new accounts. I dont have the dates.
Product: Credit reporting or other personal consumer reports

As of XX/XX/2024, Experian has removed my ability to access my credit report via phone or via email. Their online and phone system is not allowing communication, password resets have been halted, and Experian account is not accessible.
Product: Checking or savings account

I signed up for a bonus that gives {$400.00} for opening a checking and {$100.00} for opening a savings after meeting the terms. I received the checking bonus, but did not receive the savings bonus. I have called and US bank is dragging their feet. It has been well over 60 days per the terms for me to receive the offer and they have not done anything to resolve this. 

This was offered online and in branch. I have also attached an online flyer that I found after US Bank couldn't keep up with their own offers. The phone agent said he saw the code attached to my account but it has been many weeks with no resolution.
Product: Credit reporting or other personal consumer reports

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX XXXXXXXX, and Equifax.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have been a victim I have had someone use my identity with different names, addresses and information. I need this to be investigated and fix immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX PENTAGON FCU XXXX Balance XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts need to be deleted from my credit profile.
Product: Debt collection

I called on XX/XX/2017. Showing {$0.00} balance on credit report. Item was supposed to be deleted off my credit report. I called and spoke with Transworld Systems - they do not show any balance with them, but they are not able to provide any deletion per the supervisor I spoke with. They told me I needed to go through each credit Bureau. This is effecting my ability to get a mortgage refinance.
Product: Credit reporting or other personal consumer reports

I demand that you immediately certify that all data on this account is mine. If you can not provide verification, please delete the accounts.
Product: Credit card or prepaid card

In Key 's response to my CFPB complaint, it purported that an explanation was provided to address your concerns. " Concerns '' are not the real issue. The larger issue is Key 's exportation of liability through Keys off-shore call centers. This apect continues to be dodged by diverting attention from the only documentation trail discoverable by the consumer : salient call-records.

In this case, Keys call records will evidence the fact that when Key was called regarding a payment plan, I as most consumers, had no knowledge of a so-called re-age plan and none was proposed. Instead a loan-modification agreement was described, discussed in detail and agreed to including the previously detailed credit resolution itemized to the CFPB on X/XX/2017. This conversation was documented and has been provided to Key on numerous occasions including dates, names and locations of the Key employees directly involved. Key initially agreed to, but failed to provide the agreement in writing and after repeated requests by phone and email, refused to write or email altogether. The loan modification agreement and other terms of the arrangement were subsequently re-characterized by Key personnel with different phrases including the re-age description. 

Instead of diverting from this issue with voluminous documents, ( about 100 pages to date ) it would be more to the point to provide the recorded records of the actual conversation. This would also clarify the failed funds transfer and the ensuing explanation by Key regarding why the woman taking the request did not hit the submit button also detailed on X/XX/2017.
Product: Bank account or service

On Sunday XX/XX/2017 my attorney went to charge card {$500.00} I had {$570.00} deposited. See attached. 
Wells Fargo mysteriously decided to put a " limit, '' on what my debit card can be charged daily. This was made up on the fly and never existed before nor I had I been subjected to such ridiculous restrictions with my debit card. 
I do not appreciate the wrongful interference on the part of WF and their Fraud department hiding behind false claims of fraud when there was no fraudulent activity in the first place reflected on my bank account. All my charges are tracked online and there was nothing out of the ordinary and there was no need to " flag '' my account for fraud. 
The entire time I 've had this card I was able to charge over {$500.00} a day and never had a problem with it nor has my checking account flagged for fraud. This so called fake new " limit '' ( and excuse ) placed by Wells Fargo is not for withdrawal at an ATM it is for charging my card which has funds available. I am sure Wells Fargo will provide lame excuses about how they are protecting my account when in fact that is far from the case. 
This was deliberate, and unacceptable. Wells Fargo is corrupted.
Product: Debt collection

I am supposed to be made aware of any adverse information before being a post on my credit report. I never received information about these accounts. I never received copies of the charges/bills prior reporting the information to the credit bureau. You are collecting accounts that were not authorized. I would like to know how you guys obtained my social security information. This is a very grave violation of my rights. 
My rights as a consumer are being violated causing me to get a low credit score, affecting my chances for financial opportunities. No account number or history was attached or given ; they have my social security information, the source of these accounts is fraudulent, they tried to take money from my bank account for a membership I did n't authorize My credit score went from average to very poor. 
These accounts were reported to my credit report on XXXX, XXXX, out of no where. 


1 ) Account Number : Not provided TRIDENT ASSET MANAGEMENT XXXX XXXX XXXX XXXX XXXX, GA XXXX Original Creditor : XXXX XXXX Open Date : XXXX XXXX, XXXX Balance : {$56.00} 2 ) Account Number : Not provided TRIDENT ASSET MANAGEMENT XXXX XXXX XXXX XXXX XXXX, GA XXXX Original Creditor : XXXX XXXX Open Date : XX/XX/XXXX Balance : {$40.00}