23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

This item is wrong and inaccurately reported on my report for a while now under different names, first started as XXXX XXXX XXXX, and now it 's listed as XXXX. 
I 've contacted Equifax in writing and requested a permanent removal to this item since it does n't belong to me, the mailed me back that the item remains and they did n't include any proof to support their investigation or any proofs pairing signature that the item belongs to me. 
so, I contacted them again in writing requesting from them to provide a solid proof pairing my signature as proof of my ownership to this account, yet the failed to provide anything or documentation pairing my signature and they still stated the item remains on my report. 
XXXX XXXX XXXX wo n't give me any answers or access to learn about the account since it 's not mine. 
I 'm writing to CFPB today requesting to press a serious action against Equifax for their incompliance and violation of the FCRA, unless they are willfully give a fair investigation to this matter, provide any documentation pairing my signature or solid legal proof to my ownership to this account, and if they are n't able to provide any of the above then they should permanently delete this item off of my report with no reinsertion even if the same debt comes back with different entity collection. 

the collection or debt info is : collection agency : XXXX original Lender : XXXX XXXX XXXX balance : {$400.00}
Product: Debt collection

My identity was stolen and this debt is a result of that. Someone got an apartment in my name at XXXX and now I am being harassed by a collection company for this inaccurate debt. I have contacted the management company and made them aware of this error and they have do n't nothing to help me resolve this matter. I have even sent them a FRAUD AFFIDAVIT!
Product: Student loan

I cosigned for my grandson student loan in XX/XX/2019 for XXXX been making payments, statement shows principal payments of XXXX and interest of XXXX with a balance of XXXX how do I owe more than the original amount?
Product: Money transfer, virtual currency, or money service

On XX/XX/2023 at approximately XXXX, I, XXXX XXXX came into TD Bank located on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX to add XXXX XXXX onto my account. We presented all requested and required documents and signed all documents. On XXXX XXXX a domestic wire was submitted to the account name of XXXX XXXX and XXXX XXXX ( what is should be since XXXX was added ) but it was rejected because it TD bank stated it had the wrong name on the account. This rejection of the wire was due to the bank employee at the XXXX, nj location, not processing the necessary paperwork almost month earlier to add XXXX XXXX to the account. I reached out to the bank and they found all the documents and added XXXX XXXX to the account and then asked us to resubmit the wire. We were buying a house out of state in XXXX XXXX, XXXXthe next day. Unfortunately, the wire did not clear in time for our depart to go to our closing. I contacted the bank to see if we can do a wire transfer over the phone or if they can forward a cashiers check, but to no avail. The title company also requested a cashier check via XXXX but to no avail. The issue is, we would have had the money for closing on the property had TD Bank not rejected the incoming wire due to their employee negligence of failing to add XXXX XXXX. This has cost an extreme burden and hardship as we stand to possible lose our home as well as the additional money to fly and lodge to go to the bank and do the wire in person. The banks solution to their negligence is for me to fly to another state that has a td bank and do the wire transfer in person.
Product: Credit reporting or other personal consumer reports

I am filing this complaint on my own behalf to address an issue concerning incorrect personal information on my credit report. This information does not belong to me. I need this fraudulent information removed immediately.
Product: Checking or savings account

This is in regards to a high dollar fraud at Wells Fargo Bank. On XXXX XXXX, XXXX, my son XXXX received a notification regarding a negative balance of our joint checking account. ( real account ). XXXX XXXX, XXXX, there was an unauthorized creation of a fake account under my name. Same day, an amount of {$2400.00} was cash advanced by the hacker from Wells Fargo Visa Credit card and transferred online to the fake account created. Since then {$1000.00} cash were withdrawn everyday from the Fake account. Also there was unauthorized deposit of {$5000.00} twice to the real checking account from unknow person. The $ XXXX was transferred online to the Fake account. From there the hacker tried to withdraw again the funds. Hacker tried to transfer the remaining {$5000.00} to the fake account but was returned due to insufficient funds ( negative balance ) .The real account was submitted to my son 's payroll for his direct deposit from work, autopay for his voluntary contributions to agencies and to the US Dept . of Education student loan for his automatic withdrawal payment beginning soon. 

We submitted a Police report on XX/XX/XXXX and created this Complaint as well at CFPB. 
Contacted Wells Fargo and gave us an executive case number. We were told that it could take a little longer to find resolution on this case.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Checking or savings account

I have opened a saving account and a checking account in Chase bank on XX/XX/year>. Chase had locked my account on XX/XX/year> and claimed that the checks i deposited were fraud concerned without providing any information, while the funds had already been transferred from the paying banks to Chase. They locked my accounts, hold my funds, and refuse to let me withdraw the funds nor close the accounts.
Product: Checking or savings account

On XX/XX/XXXX, I attempted to make a cash despot inside my local Chase bank at an ATM. I was not sure of the exact total of my deposit but upon taking my money the ATM malfunctioned and printed out a slip for a number to call to start a claim. The associate there took me to her office to call to make the claim and asked me how much was my deposit. I told her I didnt know and she said it was ok to guess. I guessed on the low end but I asked her to make sure if I should go over or under and she said it did t matter that they would open the ATM and know exactly how much there was. I called Chase claims a few days later and they reassured me the same. The claim was just closed and I only got the {$320.00} I originally put in the claim even though with 100 % certainty this is not how much I put in the machine. Chase did not do their due diligence handling my claim and they tell me theres nothing they can do except give me the exact amount I claimed for even though I told them from the start it may be more. They claimed they balanced the ATM and it was fine but I know that they did not properly handle my money nor my complaint.
Product: Debt collection

I never had any credit to not pay. I never received any notice. This is not mines. They threatened me to pay or I will have this remain on my credit forever. 


XXXX XXXX XXXX XXXX Collection Department / Agency / Attorney Closed XX/XX/2011 {$1300.00} 1 Month
Product: Checking or savings account

On XX/XX/year> I received an SMS verification code from XXXX verification service. Thinking it was spam I replied stop. The next morning I received an email alert that my withdrawal was on the way. I logged into SoFi and discovered a transfer for {$1400.00} was sent to XXXXXXXX XXXX  and XXXX. I immediately contacted both banks. SoFi briefly opened a ticket but closed it within a few days. I requested an appeal but have not heard anything back since.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureau failed to provide me with a proper investigation as well as provide me physical proof that the account I disputed was my account. 

Under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETED all information which can not be verified Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : DEPT OF VETERANS XXXX Account Number : XXXX Please resolve this issue as soon as possible, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

This year, XXXX XXXX, XXXX, and Wells Fargo have all lowered my credit limits on accounts that are, and have always been in good standing. 
This creates a snowball effect, as my FICO scores drop to reflect an increase of debt to available credit, even though the amount of my debt has not increased.

The strategy behind this is clear. The lenders want to prevent me from flipping balances from one card over to another, to take advantage of reduced or XXXX percent interest rates. When my promotional rates expire, they go to 30 % or more, and any effort to open a new line of credit reduces my score even more. 
This is dirty business. Ive never been late on anything. I have told these creditors that if my interest rates skyrocket, I wont pay them back at all. They dont care : My FICO scores are already ruined because of this.

Corporate greed and stupidity.

FICO scoring and lending industry abuse of this system DIRECTLY CAUSED the financial crisis of 2008. I lost XXXX homes and life savings because of this. 
See my website, XXXX. 
This business model is applied universally. The people it victimizes are rarely aware of the real reasons behind their credit problems.

FICO scoring is the SOLE PARAMETER by which an applicants credit worthiness can be evaluated or considered. Nobody reads credit reports anymore. This is a corporate screwjob, and creditors who engage in it dont deserve to be paid. Tell them to stuff it, along with their dirty business tricks. Dont sanction or tolerate legalized theft.
Product: Credit reporting or other personal consumer reports

Received an email alert of inquiries on my consumer report that were not solicited by me. 
XXXX XX/XX/2023 XXXX XX/XX/2023 Inquiries that I do not recognize I have not applied for any credit.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX SSN : XXXX | XXXX : XXXX  Attn : Credit Bureaus ( XXXX, Equifax XXXX XXXX XXXX To Whom It May Concern : Ive just reviewed my credit report and noticed the following inaccurate item ( s ) XXXX XXXX XXXX XXXX XXXX with account number XXXX ( Credit limit XXXX ) This account is listed as being 30 days late ( alleged XXXX late month ). I have never been late on this account. 

XXXX XXXX XXXX with account number XXXX ( credit limit {$700.00} ) This account is listed as being 120 days late ( alleged XXXX late months ). I have never been late on this account. 

XXXX XXXX XXXX  with account number XXXX ( credit limit {$500.00} ) This account is listed as being 90 days late ( alleged XXXX late months ). I have never been late on this account. 

I request that you VERIFY this information and provide me with copies of any documentation associated with your investigation. In the absence of any such verification, I formally request that this information be immediately removed from the credit file you maintain under my Social Security Number.

Finally, please remove all non-account holding inquiries over 30 days old and add a promotional suppression to my credit file. 

Sincerely, XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX I made an over payment to my credit card of {$550.00}. The credit card already had a credit on it. I owed no money. According to BOA policy a customers overpaynent is entitled to a refund being transferred back to the originating account ( checking account ). I requested this refund on XX/XX/XXXX. The Rep said it would happen in one to two days. On the third day I called looking for my money, This rep said it would take 5 to 7 days for refund. On XX/XX/XXXX I called again looking for my refund. This rep said it would take 7 to 10 business days. I just called today XX/XX/XXXX again to find my refund. This rep could give no answers for delay. She did discover that my first request was deleted, a second one was opened on XX/XX/XXXX and a third request was posted on XX/XX/XXXX. So every call deleted the initial request and started a new one with another 10 day delay. So I am now waiting anther 10 business days ( two weeks ) to be refunded my money. A suspicious person would think BOA has a cash flow problem or they just never refund customers their money. 
I have been a BOA customer for 53 years and they really don't care.
Product: Credit reporting or other personal consumer reports

Experian and XXXX continue to report inaccurate and false information. The account they continue to illegally display on my report was protected by the CARES ACT during the covid 19 pandemic, as well as fcra laws. 

XXXX XXXXXXXX XXXX XXXX is the account in question. 


According to Section 609 of the FCRA, I am entitled to receive a notice of my rights when I request a copy of my credit report. This notice must include information about my right to dispute errors in my credit report and to request a credit score.

Furthermore, Section 611 of the FCRA requires CRAs to investigate consumer disputes and to correct or delete inaccurate or incomplete information in their credit reports. Section 615 of the FCRA requires CRAs to follow reasonable procedures to ensure the maximum possible accuracy of the information in credit reports. 

I have disputed these late payments with XXXX and Experian, but to date, no action has been taken to correct the inaccuracies on my credit report. XXXX XXXX XXXX and the CRA 's have illegally altered the information several times, even adding more late payments. I believe that XXXX and Experian, have failed to comply with their obligations under the FCRA, specifically under the following sections of the FCRA : 623 ( a ) ( 1 ), which requires CRAs to maintain reasonable procedures to ensure the maximum possible accuracy of the information in their credit reports.

623 ( a ) ( 2 ), which requires furnishers of credit information to provide complete and accurate information to CRAs.

623 ( b ), which requires CRAs to reinvestigate consumer disputes if the consumer provides new information.

623 ( c ), which requires CRAs to delete information that is outdated, incorrect, or can not be verified. 

I demand that XXXX and Experian, take immediate action to remove the inaccurate account from my credit report and to comply with their obligations under the FCRA. If XXXX and Experian, fail to comply with this demand, I will have no choice but to consider my legal options, which may include filing a lawsuit to seek damages, statutory damages, and attorney 's fees for FCRA violations.

Currently Experian will not allow me to speak to anyone on the phone and making it extremely difficult to file a dispute or request info. Which is fraudulent behavior.

This unauthorized reporting has caused great pain in my life.

Thank you for your time and attention to this matter. I look forward to your response and resolution to this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

For XXXX  - XXXX XXXX Acct # XXXX - Date opened incorrectly shown as XX/XX/XXXX, should be XX/XX/XXXX. This account is a charge off and is linked to XXXX XXXX XXXX XXXX XXXX XXXX XXXX bought XXXX XXXX. There should be no interest accumulated on this charge off, date of last payment was XXXX, XXXX. This is scheduled to fall off my credit report in XXXX. 

For XXXX  - XXXX XXXX Acct # XXXX - Date opened incorrectly shown as XX/XX/XXXX, should be XX/XX/XXXX. This account is a charge off and is linked to XXXX XXXX XXXX XXXX XXXX XXXX XXXX bought XXXX XXXX. There should be no interest accumulated on this charge off, date of last payment is XXXX, XXXX. This is scheduled to fall off my credit report in XXXX. 

For Experian - XXXX XXXX Acct # XXXX - Date opened incorrectly shown as XX/XX/XXXX, should be XX/XX/XXXX. This account is a charge off and is linked to XXXX XXXX XXXX XXXX XXXX XXXX XXXX bought XXXX XXXX. There should be no interest accumulated on this charge off, date of last payment is XXXX, XXXX. This is scheduled to fall off my credit report in XXXX. 

Furthermore, the bank, which ever the company name is these days is showing MULTIPLE charge off. I was always under the impression that once charged off that was it, it is charged off? I will also be contacted the Federal Banking Regulators among any other company or federal complaint line that I can find to file these fraudulent and fcra infractions that you have been reporting and accepting as valid.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a released state tax lien from the state of Georgia on my credit reports at  XXXX , Equifax, and  XXXX . The lien was filed on   XX/XX/XXXX   and was " paid satisfied and ordered canceled from record '' on   XX/XX/XXXX  (  see attached ). I understand that released tax liens can remain on your report for up to 7 years, however you can request that they be removed. I filed disputes with the  Credit Reporting Bureaus,   who stated that they need documentation from the GA  Dept of Revenue  requesting that the released lien be removed from my report - they report that the information is accurate and it is listed on my credit report as 'released. '  One  credit bureau stated that the disputed information was updated, but my credit report remained the same.  XXXX  will only allow you to dispute fraudulent information. I contacted the GA  Dept of Revenue  who advised me that they will not write letters and do not have any type of withdrawal form for satisfied state tax liens as are in other states. I would like this lien removed from my credit report. It has been paid and released for over 5 years now and I can not get any cooperation or assistance from either the credit reporting bureaus or the state of GA.
Product: Student loan

After being guilted and begged, I reluctantly co-signed a student loan for a friend through  XXXX   XXXX . We had a falling out a few years later and she cut off communication and moved out of state. Some time not to long after,  XXXX   XXXX  contacted me about the loan being behind. I brought the loan current and was told that if I made on time payments for  two  years that I could be released from the loan. I made my payments but shortly before the  two  years w as up, the loan was transferred to Navient. At the end of the two years, I contacted Navient  and was told they have no such policy and refused to honor my agreement with  XXXX   XXXX .  Six years  later, I am still making payments with no end in sight an d Navient still r efuses to help me by going after  XXXX   XXXX , the primary loan h older. Navient could care le ss who pays the loan as long as they get their money.Navient should honor what  XXXX   XXXX  told me and release me from my obligation. I understand the commitment that I made co-signing but the intent was to help out here or there with a payment, not have the entire loan dumped on me. As far as I see it, this was a criminal/fraudulent act by  XXXX  and should be treated as such.
Product: Checking or savings account

$ $ was taken out of our checking account without our authorization.. {$71.00} was taken by XXXX, XXXX XXXX hwy XXXX chattanooga, tn XXXX on XXXX did not authorize this. i called my bank, first national bank of XXXX and reported this..they said that they would initiate an unauthorized debit report and dispute this. i also called XXXX. they said that they had authorization to debit my account. i assured them that they had no authority to do this. they said that they would credit the amount back into our checking account..
Product: Credit card or prepaid card

We opened a The Home Depot brand Citibank credit card in XX/XX/XXXX, which had a 24-month 0 % APR promotion. We bought some appliances and set up our autopay to pay the balance off in 24 months. 21 months later, XX/XX/XXXX, I checked the card to make sure it was going to be paid off soon and saw almost {$2000.00} interest accrued on a {$6000.00} purchase. Upon calling customer service, Citi confirmed there was an error that set promotional period to 6-month instead. Citi said a request was filed to correct the error and remove the interest fees. The adjustments will show up in 2 statement cycles. 

XX/XX/XXXX, I called back to confirm that the adjustments were still going through and Citi said there was an issue in the " back office '' and they needed to file a new request. After a few more weeks of back and forth, escalating to supervisors, they finally figured out what needed to be done BUT it is now passed a 24-month restriction to correct this issue. I continued to escalate the issue until I got to a supervisor 's supervisor, who spent almost an hour researching into the situation. He acknowledged that Citi made a mistake on the promotional period in XXXX and then the handling of the correction in XXXX. He filed a formal complain ( ID : XXXX ) against their own back office for mishandling our requests until it was no longer within the 24-month restriction period. However, at this point, the Customer Service " Ops '' team can no longer rectify this issue so he had to transfer me to an " Executive Response '' team, who has more authority. 

I filed a case ( ID : XXXX ) with the Executive Response team and was told an " officer of the bank '' was going to reach out in 2-5 business days. After almost 2 weeks, their response was basically " you should have caught our error earlier ''.
Product: Checking or savings account

Bank of America over drafted my account XXXX times : attached are the responding withdrawal on XX/XX/2022, money was in fact regarded posted on that same day by XXXX  XXXX and funds became available on XX/XX/2022, i had called bank of America about this charges of {$140.00} successive over charge in {$35.00} to be rescinded because at the time they took the money, XXXX  XXXX posted {$500.00} to the account so there is no reason i should be charged {$140.00} over draft. 

Bank of America had now refuse to issue me the credit of {$140.00} and i am making a complaint about this charges as unfortunately can not afford this fee, i am requesting an intervention on this case Attached at is a pdf on this subsequent charge for over draft that should have be decline in one attempt but was subsequently allowed so i can pay the excessive {$140.00}, the bank should have decline successive overdraft i was incurring that day but decline to and also decline to make a refund when the money was already in the account, there is no reason the bank of America should be able to refund me the excessive {$140.00} in fees they claim i incur when it in fact bank delays between XXXX  XXXX and bank of America, the fault was never mine and i had explained this to the bank but the supervisor refuses to get the money resolved. 
Thank you