23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

My Equifax credit report shows my student loan account with XXXX is marked as closed and paid off. Despite this, the amount of {$170000.00} still shows under XXXX study loan on my credit report even though it says closed and paid. 

Per the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 : it mandates that consumer reporting agencies must report accurate information. Despite my loan being paid off and closed.
Product: Credit card

On numerous occasions, I go to XXXX 's XXXX XXXX XXXX authorize a payment to my business credit card through the website. The payment is to be credited the same day if it is made before XXXXXXXX XXXX. or the next day if it is after XXXX p.m. The most recent payment I made was on XX/XX/2024. Today is XX/XX/2024 and the payment is still on hold for my credit card. I made this payment out of my BMO checking account but BMO put it on hold. I had sufficient funds in my checking account. There is no reason, nor is there every any reason for them to hold my payment. The payments come out of my BMO accounts and I make them to my BMO business credit card. They funds can be verified immediately and yet they hold my payment. I had to call them today to ask them to apply the payment. The customer service person told me there is a glitch and that they hold the payments on some accounts. He was able to take the hold off the payment but he also told me it was set to apply to my account on XX/XX/2024. That would be XXXX full days after I actually set up and authorized the payment. I had him file a complaint with the bank and I am filing another complaint against them with you. 
Are they doing this intentionally hoping that the payment doesn't get applied so they can charge interest on the balance?
Product: Checking or savings account

Wells Fargo opened multiple accounts in my name without my consent ( 4 accounts ) to be exact. I did not authorize this Financial institution to do so, I am only aware of one checking account that I agreed to on a contract. This FRAUD committed by someone who was working for the company this has caused me a major hardship. I have not been able to open up an account any where. Below are the only two accounts I have knowledge of. I have reached out to Wells Fargo multiple times the case number is listed below : case number is XXXX Debit Card XXXX. 
Any additional account opened up under my ssn using all of my personal information needs to be Investigated IMMEDIATELY. I am the owner of that PERSONAL INFORMATION this is my personal property such as : DOB, ADDRESS, PHONE NUMBER, SSN ETC. The policy and the contract or agreement that was offered to me clearly states that Wells Fargo participates in the PRIVAVCY ACT and The CONSUMER RIGHTS PROTECTION ACT, but the did not hold up their end of the contract. The contract was BREACHED. The account is fully insured by the FDIC. 

XXXX XXXX is XXXX. 
Wells Fargo Opportunity Checking XXXX Wells Fargo Opportunity Savings XXXX XX/XX/2014 XXXX check amount : {$1900.00} I made a deposit on this date with a check from my employer and Wells Fargo kept my Negotiable Instrument and the credits and closed down the account. That check was my Personal Property they never returned the item to me. FRAUD
Product: Credit reporting

Because of the constraints placed on me to retrieve and the report issues on my credit report - this method allows me to do so without 4 additional steps. 

1. Equifax has independently added verbiage to EVERY Revolving trade line on my account - inaccurately. Each trade line now has remarks = " Comments on Account : Charge, Amount in XXXX column is credit limit '' There Comments were NOT provided by the credit grantor, in any instance, and render the account inaccurate. 

2. According Equifax 's own Website, " High Credit '' is = " Entry on a trade line of a credit file to indicate the highest amount charged by the consumer over the time period reviewed. '' The Actual website address for equifax 's glossary is XXXX 3. The amounts in Equifax 's views/credit reports =- populating the HIGH CREDIT field - are inaccurate and NOT what each Credit Grantor has provided to Equifax as part of their monthly reporting. From the credit report - the " High Credit '' dollar amount displayed on all NON installment Trade Lines - is inaccurate. It must be stated that all accounts have provided a Credit Limit, as required by XXXX XXXX XXXX. Examples are attached. 

Equifax , please delete the comments you ( Equifax ) added on ALL of the revolving Trade Lines. Please also ensure that the HIGH CREDIT amounts displayed, are actually populated accurately and as intended. ( Entry on a trade line of a credit file to indicate the highest amount charged by the consumer over the time period reviewed )
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/, I mailed a letter to Experian regarding the incorrect addresses on my credit report. The second letter was sent XX/XX/XXXX  but I have yet to receive a response regarding the update of my profile.
Product: Credit card or prepaid card

I paid off my full balance with capital one on XX/XX/2022 and they charged me interest on XX/XX/2022. Which was paid before the billing cycle. I called to see if it could be forgiven and they advised there was nothing they could do. They told me it was interest from a late fee that was forgiven and taken off my account. The interest fee was not forgiven totalling {$15.00}.
Product: Checking or savings account

Last Friday XX/XX/2018 a payment came through via ACH for {$120.00}. There was {$64.00} in the account when it came in and put it negative a few pennies over {$65.00}. I was able to deposit enough funds to cover the negative amount by XXXX CST and the transaction was still returned to the source and I was charged a {$35.00} Returned Item Fee. 

Wells Fargo seems to not have a reason to why they pay some items versus return other items. Two weeks ago I had three transactions come through that made the account negative for {$50.00}, {$18.00} and {$9.00}.?? / Wells Fargo paid the three and no fees were Incurred. I asked the rep when calling in today why they returned it when there were adequate funds in the account to cover the transaction before close of business. 

The rep told me she has no idea and doesn't know what to tell consumers and blames it on a " system '' issue. I asked for a reversal for the {$35.00} returned item fee, as it should have not been returned as there were funds before close of business. 
She put me on a few minute hold and came back and said they will refund 25 % of the fee itself, I denied that and it escalated to XXXX who was a supervisor. XXXX said he can have 75 % of the fee refunded. This is a slap in the face to me as a consumer because they are negotiating a fee I should have never received and wasting my time to do so. 
After hundreds of millions in fines they still have grey-area policies in place to bilk consumers out of more fees. By the end of the call XXXX did state he was able to refund the entire fee. 

I am filing this complaint to notify the CFPB that this is currently going on at Wells Fargo and feel that there are many more consumers that are having to play auctioneer with Wells Fargo to get their own money back.
Product: Checking or savings account

A trust account was left to me upon my fathers death. My father passed away XX/XX/XXXX. I went into PNC Bank and spoke to XXXX XXXX on XX/XX/XXXX to see about my trust account that my father had left to me. 
I visited the PNC Bank in XXXX XXXX XXXX First I spoke with XXXX and then to XXXX XXXX XXXX He said that the account would remain in my name and my dads name would just fall off. He ordered me checks and printed me a debit card with my name on it. I just now received tax information that their was an administrative error to my account and that the account belonged to the estate. This is inaccurate information.
Product: Payday loan, title loan, or personal loan

This entity has a manufactured home title fraudulently registered in my name, in XXXX XXXX, AZ. During the title transfer process, the same entity continuously engaged in forging documents, threats and extreme harassment.The incidents occurred less than 48 months ago. The same lender refuses to transfer any tile.
Product: Debt collection

I have a debt collector attempting to collect a debt that has already been paid. I have attempted to contact them on several occasions and they refuse to help me or comply with the Federal Law to legally show me proof of the debt per the Fair Debt Collections Practices ACT. The original debt was paid to the creditor Mr. XXXX to do a job at a property I own. They invoiced me {$2700.00} for a job they did not complete. I had to hire another company to come out and redo the entire job they were hired to do after an inspector said it was not sufficient and would not pass code. I paid MR XXXX for the work they did which was the majority of the {$2700.00} and told them I had to get another company to redo the entire thing because it did not pass inspection. That was the last I heard about it for quite awhile until a debt collector know as TeleRecovery reported the account on my credit report. I disputed it with the credit reporting agencies in XXXX and again in XXXX and TeleRecovery supposedly verified it. I then sent TeleRecovery a Validation Demand asking for a signed contract, statements, or detailed billing history per the Fair Debt Collections Practices ACT which requires them to send me these documents for them to legally report or collect a debt. The first validation demand was sent on XX/XX/2020 and I got no response so, I sent another validation demand asking for proof of what they were reporting and the required documentation by law to legally report or collect the debt on XX/XX/2020. On XX/XX/2020 I sent another demand because they did not comply with the FDCPA and have violated my consumer rights and yet they still keep reporting it to the credit reporting agencies. I let the credit reporting agencies know that TeleRecovery was in non compliance of the FDCPA but the credit reporting agencies do not care and keep saying the verified the account. On XX/XX/2020 I sent TeleRecovery yet another validation demand asking for full compliance with the FDCPA and have not gotten a response. This company has violated my rights and is breaking the Federal Law.
Product: Credit card

Amazon offered a store card issued by Synchronycredit.com, which I signed up for. 
During an Amazon checkout, I was offered a " deffered interest '' promotion using the Synchronycredit.com card on an item that cost {$160.00}. The terms were that if you paid the balance by the end of the promotion you would be charged no interest. I called Synchronycredit to confirm that payments made in the meantime would go toward interest-bearing purchases first. They confirmed this. I then received a bill showing that I was charged interest, which was then rounded up to a " minimum interest fee. '' I called Synchrony and was told that my payment was " split '' between deferred and non-deferred balances, and that in the " first two months '' that would happen. I went to the website and found the card terms that explicitly state my payments should go toward the non-deferred items first, and that this would only change in the *last two* months of the deferred balance period. Synchrony agreed to reverse the interest charges, but they never fully explained why this happened. If they did this to me, they are probably doing it to other customers ; and if they did this to me once, I ca n't trust they wo n't do it again. If I cancel the card, it looks bad on my credit to have a briefly opened account. I feel stuck with a company that is behaving fraudulently right off the bat. They are scamming people out of " minimum interest '' fees when those fees should not be charged according to language in their own card terms. Here is their exact language regarding this ( my promotional balance expires in XXXX, so we 're nowhere near the last two months ) : Payment received in excess of minimum payment amount due will be applied to non-promotional balances before deferred interest promotional balances except in the last two months of a deferred interest promotion. In the last two months of a deferred interest promotion, the payment amount in excess of the minimum payment due will be applied to the deferred interest promotion ( s ) that are in the month of expiration and/or the month prior to expiration.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or list of inquiries 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 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-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.
Product: Bank account or service

I am the treasurer of my condominium association and in order to assist in the closing of one of our units, US Bank requested a balance sheet of us ; our CPA provided one at a cost of service {$250.00}. The bank stated the bill would be included in the closing and we would be reimbursed. This promise was made in a number of emails before and after closing. I also demanded payment a number of times to no avail. This last request I was told the new owner would pay the bill. The new owner knows nothing about this arrangement. I can not get satisfaction from the bank and think this is very unfair.
Product: Student loan

Navient was my former loan servicer and it provided me bad information regarding student loan forgiveness and me taking advantage of Income Drive Repayment opportunities.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Debt Reported by XXXX XXXX XXXX XXXX XXXX. 

To Whom It May Concern, I am submitting this formal dispute regarding an account reported by XXXX XXXX XXXX XXXX XXXX, which has appeared on my credit report. The details of the account are as follows : Creditor : XXXX XXXX XXXX XXXX XXXX. 

Date Opened : XX/XX/year> XXXX : {$650.00} I believe that this account contains inaccurate or incomplete information, and I am requesting an immediate investigation into this matter. 

Issues with the Account : [ Explain your specific issue : Is the debt not yours? Was it already paid? Is the balance incorrect? Do you need verification of the debt? ] Under the Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ) ), credit reporting agencies must maintain accurate information. If XXXX XXXX XXXX can not verify this debt with valid documentation, I request its removal from my credit report immediately. 

I have attached supporting documentation for your review. Please investigate this matter and provide a response in writing regarding the outcome of your review. If the debt can not be verified, I request that it be deleted from my credit report. 

Thank you for your prompt attention to this matter. Please confirm receipt of this dispute and provide an update on the investigation as soon as possible. 

Sincerely,
Product: Credit reporting or other personal consumer reports

List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX has violated my rights. 
XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX has violated my rights. 


I looked at my Experian, XXXX XXXX XXXX credit report on XX/XX/XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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. 

And according to 15 USC 1681s-2 they are suppose to 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am having difficulties with buying a house and applying for new credit cards. I paid the missed payments XXXX XXXXXXXX ( Opened XXXX. XXXX, XXXX ) and do not owe anything, but the mark in my credit reports prevents me from achieving the desired results. I am kindly requesting to remove this missed payments from my credit reports as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my family and me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm pleased to see several improvements made to my report, including the deletion of some accounts I had previously disputed. However, there are still a few accounts on my report that are false and the result of identity theft. I request your assistance in getting rid of the last few items on my report. According to FCRA section 605b, the credit bureaus are obliged to remove or block any accounts that have been listed in an identity theft report. I've included a few papers to help prevent fraudulent information from being submitted in my report. 
XXXX XXXX Bankruptcy Reference # : XXXX XXXX  XXXX Bankruptcy Reference # : XXXX XXXX XXXX XXXX Balance Owed : {$740.00} XXXX/XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX  XXXX Balance Owed : {$670.00} XXXX XXXX  XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 

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

I disputed a {$110.00} charge for XXXX XXXX because I canceled the account over a year ago. Amex initially processed a dispute and did research. The company I had XXXX with, called XXXX XXXX said they sent a renewal notice to XXXX, but the XXXX  account is under XXXX and I no longer have that account because it was canceled over a year ago. I believe the amount I'm being charged is unfair because I canceled this account and should not be charged. 

Additionally, the Amex account was paid and closed and now, this potentially opens me up to more charges with interest.
Product: Credit reporting or other personal consumer reports

I am writing to seek the Consumer Financial Protection Bureaus assistance regarding unresolved disputes and potential legal violations by XXXX XXXX XXXX XXXX concerning the incorrect reporting and handling of my personal and financial information. Despite my efforts over the past 60 days to rectify these matters, my attempts have been persistently ignored. 
Accounts and Reference Details : XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX Legal Standards and Violations : 1. Fair Credit Reporting Act ( FCRA ) 15 USC 1681, Section 602 ( a ) emphasizes the need for consumer reporting agencies like XXXX, Equifax and XXXX to exercise their responsibilities with fairness, impartiality, and respect for consumer privacy. My right to privacy has been compromised through the sharing of my information without consent. 
2. 15 USC 6801 outlines the obligation of financial institutions to respect and protect the privacy and confidentiality of customer information. The entities in question have failed in this obligation. 
3. 15 USC 1681, Section 604 ( a ) ( 2 ) clearly states that consumer reporting agencies may furnish reports only under specific circumstances, including having written instructions from the consumer, which I have not provided. 
4. 15 USC 6802 ( b ) ( c ) and 12 CFR 1016.7 highlight my right to opt out of such disclosures, a right that was neither respected nor clearly communicated to me.

5. 15 USC 1681C ( a ) ( 5 ) and 15 USC 1681s2 ( A ) ( 1 ) mandate accuracy in reporting and prohibit the furnishing of inaccurate information to consumer reporting agencies. 
6. 15 USC 1681e requires consumer reporting agencies to maintain procedures that prevent violations related to inaccurate reporting, a standard that seems to have been overlooked in my case. 
Request for CFPB Intervention : Given these unresolved disputes and the apparent disregard for my rights as a consumer, I am seeking the CFPBs intervention to ensure that these entities comply with the law by correcting the inaccuracies in my records, ceasing the unauthorized sharing of my information, and adhering to the proper legal standards for consumer information reporting and privacy protection. 
Your assistance in this matter is crucial for rectifying the adverse effects on my credit report and overall financial wellbeing. I look forward to your prompt action and am hopeful for a resolution that respects my consumer rights and the integrity of my personal and financial information. 
Thank you for your attention to this important matter.
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 violates 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 the error resolution requirements under the electronic funds transfer act and regulations E. These actions have caused significant financial inconvenience and financial loss and I seek appropriate action