23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Wells Fargo XXXX neglects student loan Borrowers who wish to elect to make additional payments automatically to their student loans. With automatic payments, Borrowers have the ability to manage the total cost of their loan by paying more than the minimum required payment each month thus reducing total interest paid over the life of the loan. Wells Fargo does not allow Borrowers to increase the amount of their automatic payments, instead requiring Borrowers manually make additional payments each month either through manual add-on payments or through their Bill Pay service. Both options force borrowers to schedule each additional monthly payment manually. Without the ability to automatically schedule payments above the minimum required payments, Borrowers are much more likely to pay the maximum interest charges over the life of the loan unless they remember to separately make additional payments each month. This serves to minimize pre-payment risk for Wells Fargo and investors in their Student Loan asset backed securities. However, it is also a contemptuous disservice to its Borrowers, many of whom are recent college graduates working to establish prudent debt servicing plans. Borrowers should be given the option to increase automatic payments towards their Student Loans. By neglecting to provide this option, Wells Fargo is, at best, discouraging their Borrowers from managing their total interest costs or, at worst, scheming to charge their customers as much interest as possible.
Product: Credit card

We would like to File a Complaint and have provided information to support that Chase is unwilling to resolve the dispute with a company that did not provide the services paid for and forged signatures. 

XXXX {$XXXX} ( XXXX XXXX ) XX/XX/year> -XXXX, XXXX weeks of XXXX  for XXXX XXXX and XXXX  year of XXXX advertisement. 

After Providing Several forms of evidence the Dispute was denied On XX/XX/XXXX after the merchant sent back false claims, photos, and e-signed documents. Based on the the documentation they sent we have attached information to show differently.
Product: Credit card or prepaid card

On XX/XX/2023, I completed and used a balance transfer check that Discover Card sent to my mailing address. There were two offers advertised in the promotional mailing that Discover sent to me : one with a fixed upfront balance transfer fee and no interest for a promotional period, and one with no upfront balance transfer fee and a non-zero interest rate for a promotional period. I was under the impression I was using a check for the latter promotion, however I discovered that the check I used was for the former promotion. 
I contacted Discover on XX/XX/2023 upon finding the error. It is Discover 's position that once a balance transfer has been completed, the company can not change the charges associated. This seems odd since Discover owns the loan and I called as soon as the error was made clear to me. I spoke with two different people and they refused to do anything on my behalf.

I would note that the first person I spoke with also said that Discover " encourages people to call the 800 number when using a balance transfer. '' This is inconsistent with the action of mailing blank balance transfer checks on a bi-weekly basis with multiple offers. 
After completing the call on XX/XX/2023, I repaid the entire balance transfer and the fee ( 3 % of the balance transfer ). It was never my intention to carry the balance, which is why I had been seeking the balance transfer option with no upfront fees. A 3 % fee for a 15-day loan appears incredibly high ; it translates to a 105 % APR.
Product: Debt collection

BLANCE {$1700.00} PURSUANT TO 15 USC 1692 IT IS ILLEGAL FOR A COLLECTION AGENCY TO BUY A DEBT AND COME AFTER THE CONSUMER FOR IT I DID NOT CONSENT TO THIS AND THE HARASSMENT. I DO NOT KNOW WHO THEY ARE NOR DO I HAVE ANYTHING BIDING WITH CCS. THE DEBT BEONGS TO CCS NOT ME SO PLEASE COMPLETELY REMOVE FROM CREDIT REPORT.
Product: Credit reporting or other personal consumer reports

The credit reporting bureaus are responsible for reporting accurate information in credit profiles. I am attaching documentation and asking that the credit bureaus update my credit report and delete inaccurate information. Thank you, God bless!
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2018 To whom it may concern : I have just reviewed my credit report and noticed there are several inaccurate items on my report as follows : My only address is the one ending in zip code : XXXX. Please remove all other addresses that I was never associated with. 

FRAUDULENT INQUIRIES 1. XXXX/XXXX  XXXX XXXX XXXX 2. XXXX XXXX XXXX I never authorized any of the accounts or inquiries and when i requested proof from the creditor, they were unable to provide me with any original contract proof otherwise ; therefore it is the credit bureaus responsibility to remove them immediately and permanently according to FCRA sections 609.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an inaccurately reported item on my credit file that has not been deleted despite my previous dispute. I firmly believe that this account entry is not valid and should not be present on my credit report. I have diligently managed my financial obligations, and I have never had any dealings or accounts with the mentioned creditor, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My previous dispute regarding this matter did not result in the removal of this inaccurate account entry, which leads me to believe that it may be a reporting error. I kindly request that both XXXX and TransUnion conduct a thorough re-investigation into this matter to rectify this discrepancy on my credit report. 

I would like to remind you of my rights under 15 USC 1681, which guarantees my right to privacy and stipulates that I must provide written permission for the reporting of this account. To my knowledge, I have not given any written permission for XXXX and TransUnion to furnish this account information. 


I kindly request that you promptly initiate a re-investigation into this matter in accordance with your obligations under 15 USC 1681. I understand that you have 60 days from the date of this letter to complete the investigation, as mandated by the Fair Credit Reporting Act. 

I am committed to maintaining my responsible consumer status and ensuring the accuracy of my credit report. I trust that XXXX and TransUnion will take this matter seriously and rectify the inaccurate reporting promptly. 

Thank you for your immediate attention to this dispute. I look forward to receiving a written response within the statutory timeframe with the results of your investigation. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the FAIR CREDIT REPORTING ACT, these XXXX  accounts listed below has violated my rights. 

1. 15 USC 1681 SECTION 602 A, STATES ; I HAVE THE RIGHT TO PRIVACY 2. 15 USC 1681 SECTION 604 A SECTION 2 ALSO STATES ; A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

I have disputed the accounts with the credit bureaus as well as sent letters. 
The disputed responses I received back stated that the accounts were in accordance with FCRA, which is not true based on the XXXX violations I have listed above. No response pertaining to the letters that was sentXXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am submitting this formal complaint against XXXX ( XXXX XXXX ) for its failure to remove a fraudulent credit card account that was opened in my name without my authorization on XX/XX/XXXX from my credit history. 

Background I have been a victim of identity theft. On XX/XX/XXXX, fraudsters changed my mailing address via the XXXXXXXX XXXX XXXX XXXX XXXX  ) to an address with which I have no connection. 

Subsequently, during the course of XXXX, they opened multiple credit card accounts with various XXXXXXXX XXXX, as well as a XXXX phone account, using this fraudulent address. They also registered accounts in my name with XXXX, TransUnion, and XXXX and used a phone number that does not belong to me. 

My Residency & Evidence of Fraud I have not been a resident of the XXXX since XXXX, when I moved to XXXX. I currently live in XXXX, XXXX XXXX, and did not visit the XXXX between XX/XX/XXXX and XX/XX/XXXX, as evidenced by my passport. My permanent XXXX address since XXXX has remained in XXXX, IL. 

I have filed an identity theft report with XXXX and submitted extensive documentation to XXXX XXXX in XX/XX/XXXX, both via mail and online, including : Two police reports FTC report Signed copy of my Social Security card PasspoXXXX copies Debit card statements proving my XXXX address was never changed XXXX lease agreement Utility bills Additionally, I have disputed this fraudulent account with all three major credit bureaus. 

XXXX  Failure to Act Despite this overwhelming evidence, XXXX remains the only financial institution that has refused to close the fraudulent account and continues to insistwithout justificationthat I opened it. Given that a year has passed since I first discovered and disputed this fraud, I believe XXXX is acting in bad faith, potentially to avoid the compliance and financial repercussions of acknowledging fraud within their system. 

Request for Further Investigation Some transactions on this fraudulent XXXX account were made in person. I have requested that XXXX : Review security camera footage from the merchants where in-person transactions occurred, which will confirm that I was not present. 
Compare my signature, which has remained unchanged for 20 years and is visible on my passport and Social Security card, against any signatures on payment receipts for this fraudulent account. 

Formal Request Given the compelling evidence presented, I formally request that XXXX immediately remove this fraudulent account from my credit history and cease any further attempts to hold me accountable for it. 

I appreciate your prompt attention to this matter and look forward to your response.
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Against XXXX and TransUnion for Non-Compliance with the Fair Credit Reporting Act ( FCRA ) Dear Sir or Madam, I am filing a formal complaint against XXXX and TransUnion for their repeated failure to comply with the Fair Credit Reporting Act ( FCRA ) by refusing to delete an inaccurate charge-off account from XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) with the following details : Creditor Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Despite disputing this account five times and providing evidence that it is inaccurate or unverifiable, XXXX and TransUnion continue to report this charge-off on my credit reports. It is important to note that XXXX has already deleted this account from my credit report, further demonstrating its inaccuracy. 

Violations of the Fair Credit Reporting Act ( FCRA ) 1. Section 611 ( a ) ( 1 ) ( A ) : Failure to Verify or Delete Disputed Information According to this section, credit reporting agencies ( CRAs ) are required to investigate disputed items and verify their accuracy within 30 days. If they can not verify the information, they are obligated to delete it. XXXX and TransUnion have failed to meet this obligation, as no verifiable evidence has been provided to substantiate this account. 
2. Section 609 ( a ) ( 1 ) ( A ) : Right to Access Information I requested documentation validating this charge-off, including evidence of its legitimacy and accuracy. Neither XXXX nor TransUnion has provided the required documentation, further violating my rights under the FCRA. 
3. Section 623 ( a ) ( 1 ) ( B ) : Reporting Accurate Information The FCRA mandates that furnishers of information, such as XXXX XXXX XXXX, ensure that the data they provide is accurate and up-to-date. Since XXXX has already removed this account due to its inaccuracy, XXXX and TransUnions continued reporting of the account suggests negligence in ensuring the accuracy of the information. 
4. Negligence and Harm to the Consumer The ongoing reporting of this charge-off has caused significant harm to my credit score and has negatively impacted my ability to obtain credit on favorable terms. This failure to act in compliance with the FCRA represents negligence on the part of XXXX and TransUnion. 

Requested Action by the CFPB I am seeking immediate intervention by the CFPB to : 1. Direct XXXX and TransUnion to delete the inaccurate charge-off account from my credit reports. 
2. Conduct a thorough investigation into XXXX and TransUnions non-compliance with the FCRA.

3. Enforce penalties if necessary to ensure compliance and protect consumer rights. 

I trust that the CFPB will take the necessary actions to ensure that XXXX and TransUnion comply with the FCRA and delete this inaccurate account promptly. Thank you for your attention to this matter.
Product: Checking or savings account

We had a XXXX dollar service charge held out by bank of America causing our account to be put in overdraft with another {$35.00} overdraft charge being added after out automatic payment was taken out of our account and we have direct deposit in our frauded account and have contacted social security about switching accounts it's not our fault they take so long to seitch accounts and they never mentioned any service charges before just call and get the funds transferred from the frauded account to the new account never even mentioned we have to have social security change accounts. This is so wrong big time and never mentioned this at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

With these authorities/leasers, this account had no record that ever belonged to me. I have tried several times to contact them to ask for evidence of ownership, but they have not given me the requisite paperwork to show that I actually own this account.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach that resulted in identity theft. Consequently, several unauthorized accounts have been reported on my credit file without my consent. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am formally requesting the immediate blocking and deletion of the following fraudulent accounts from my credit report : Fraudulent Accounts : XXXX. XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX Date Opened : XX/XX/XXXXXXXX XXXX Balance : {$3800.00XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX Date Opened : XX/XX/XXXXXXXX XXXX Balance : {$600.00} XXXX. XXXX XXXX Account XXXX : XXXX XXXX Date Opened : XX/XX/XXXX o Balance : {$170.00} XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX  Date Opened : XX/XX/XXXX XXXX Balance : {$25000.00} XXXX. XXXX XXXX Account Number : XXXXXXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance : {$630.00}
Product: Credit card or prepaid card

On XXXX I attempted to transfer funds from my card to my bank account. I have done this same transaction to the same bank account on 2 occasions before without any issues. This transfer shows as completed on the USBank Reliacard site and the funds are no longer in my card account, but never made it to my bank account. I waited the 5 business days it said it may take for the transfer to process, still nothing. After over 30 attempts to get someone on the phone - numerous hang ups after hearing " we are experiencing exceptionally high call volume '' - I spoke with a representative. They informed me that the transfer had been canceled. When I asked what happened, they did not have an explanation. When I asked why the funds were not returned to my account, they also did not have an explanation. I attempted to get a supervisor on the phone but they refused. I was told to contact the unemployment office. This issue has nothing to do with the unemployment office. The unemployment office deposited the money in the card account as they have done previously. I attempted to move it to my bank account as I have done previously. USBank canceled the transfer, never notified me, has not put the money back in the account, and can not provide any explanation as to how I can get my money, or complete the transfer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Piggy Back on  Closed File  :  XXXX  In response to your information : -I Called on  XXXX / XXXX /  XXXX   to discuss the fraudulent credit inquiry on  XXXX / XXXX /  XXXX  . After I called and gave private information to your Call Center, I got another hit on  XXXX / XXXX /  XXXX   - from SYNC - I then again called on  XXXX / XXXX /  XXXX   to gather information again to place a extended freeze on the account and when call the same call center to discuss this information, I noticed another fraudulent inquiry on  XXXX / XXXX /  XXXX   - from SYNC - I call again on  XXXX / XXXX /  XXXX   and provide my personal information via phone again and it again I have a fraudulent inquiry on the same day from SYNC I have called other places and provided my SSI number via phone and no issue. But everytime I contact your contact center or SYNC bank directly per your advise to call the creditor to have them close out the fraudulent account, I get a wrongful inquiry on my account that same day or next day. Since it has happened  three tim es in a row, this provides me enough information to believe that somehow their is a breach between   XXXX   and  Syncs tra nsmission of personal and private information. You specifically provided the exact dates I called and if you review my credit report you will see an exact correlation of each time a call has been made and private information provided, a fraudulent inquiry through SYNC bank has been processed either that day or the next day -  Three  times with no gap between day of calling and the immediate result of a fraudelent act. This should be enough information for you to begin reviewing other open files involving SYNC bank and the fraudulent inquiries made and finding a pattern. It seems that everytime someone calls   XXXX   or SYNC and personal information/transmitted between  XXXX  an d Sync , that person private information is misused in another fraudelent inquiry from SYNC again.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding zelle 's handling of disputes, particularly in the light of recent CFPB lawsuit highlighting significant issues with the platform. Despite using zelle numerous times and reporting discrepancies, my financial institution and zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safely
Product: Credit reporting 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 correct XXXX XXXX XXXXXXXX XXXX Balance Owed : {$5400.00} XXXX XXXX XXXX XXXX Balance Owed : {$2600.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$170000.00}
Product: Credit card or prepaid card

Hello my name is XXXX XXXX. My ex-wife opened an XXXX JPMORGAN CHASE credit card in my name. JPMC was issued a subpoena from my lawyer to release the application that was made out in my name. They refused in previous attempts to give me the application per my request so I had to hire a lawyer to subpoena the application which I assume I have every right to the this application since they claim is in my name. I have never had any of these cards in my possesion. Once I received the the application from the subpoena from my lawyer I noticed that it was in my name but with an e-mail and phone number that was not mine. I have never authorized this credit card in my name. I have called JPMC numerous times and they say we have done our investigation but will not tell me anymore. I would like to see what IP address this application came from and JPMC refuses to give it to me even with a subpoena from my lawyer. XXXX XXXX XXXX XXXX  agreed in this same situation that I was not responsible for their card. I can provide any information you need per my lawyer.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of CFPB lawsuit highlighting significant issues with the platform. Despite using this platform numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering loss funds was infeasible. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several inquiries on my credit report that needs to be removed.
Product: Credit card or prepaid card

On XX/XX/XXXX I had a credit of $XXXX on my XXXX  XXXX Bank of America credit card.  This is because I apparently somehow paid this amount online on XX/XX/XXXX. when I actually had a XXXX  balance.  So now I have a credit.OnXX/XX/XXXX, I requested that the credit be reversed back to my bank account on file.  I was told that it would be done in 2-3 days.  The number I called is the one on the back of my credit card:  XXXX XXXX.  This is the XXXX  XXXX  Bank of America credit card customer service number.Since XX/XX/XXXX, I have called 11 times and talked to multiple agents who are very nice always apologize and say they will look into it and "accelerate" the issue. Every time I call, their estimate of when it will be done gets longer. It went from "2-3 days" to "5-7 days", to "7-10 days".  It has now been 13 business days.  The last agent I talked to was a top supervisor at the XXXX  XXXX  Bank of America customer service number . She apologized for the problem and said it would be resolved by the next day.  That was 4 business days ago and this still has not been taken care of.