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

This bank is being run by ignorant XXXX. Not only they are XXXX XXXX XXXX, they lie to the customers on top of that. I called this lousy bank in XX/XX/XXXX to inquire about the XXXX form as I had received an account opening bonus from this bank last year and as per their own terms and conditions, it was supposed to be considered interest and I was supposed to be issued an XXXX form for that. I mentioned all of that to these XXXX but they lied to me and said there was no XXXX form issued for me. <P/>And guess what, after the tax filing deadline, these XXXX mailed me a XXXX form along with a letter which basically said that the are sorry that they do n't know how to run a bank. The letter said that they will reimburse me for the costs for refilling the taxes. and I need to call XXXX XXXX XXXX for assistance. <P/>And here is the fun fact. I have called that number numerous times to get so called " assistance '' and here are the various outcomes.. <P/>Whenever I call that number, these XXXX XXXX XXXX still insist that I was not issued a XXXX form for XX/XX/XXXX even though I have a physical copy of that and their so called " apology '' letter in my hand. It takes me at least an hour to convince these XXXX that they infact issued a XXXX after the tax filing deadline. So even though they apologized to me for sending me the XXXX late, they still insist that it does not exist Whenever I ask for a supervisor, the standard answer is that no one is available. Some supervisor will call you back soon and that never happens. <P/>Only once I was able to get a supervisor and he too insisted that there was no XXXX and after I spend more than an hour explaining to him that there was, he promised he will call me back on how I can get reimbursed. And guess what, that was about 2 months back, I am still waiting for that callback. <P/>How can you let these bunch of XXXX run a bank in US? Is n't it a crime for a bank to lie to customers about tax related issues. And even though their so called " Head of Customer Experience '' send me a so called apology letter, they still keep insisting that their is no XXXX forget about reimbursing me for having to re do my federal tax returns and returns for 2 states. <P/>Please shut down this piece of XXXX bank. And keep this complaint on their public profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has completed my disputes but the results are just as incorrect and I 've filed disputes multiple times. I can honestly see that Experian is letting a computer determine the results because they do n't even make sense. When I call the executive office, they do n't really want to help, the only thing they want to do is argue. There are multiple incorrect accounts of which  XXXX  creditors are reporting incorrectly. The first  XXXX  is   XXXX   XXXX  , they have violated their terms and agreement and the late payment that was reported is incorrect.   XXXX   XXXX   has been reported to the FDIC for the improper conduct and the late payment was removed from  XXXX  and  XXXX . The second Creditor is  XXXX   XXXX  Bank, they sold the account to  XXXX  collection Agency and as a result that TERMINATED the company 's legal right to continuously report. I 've sent in the info to show that the account was settled and closed in     XXXX   XXXX   XXXX   ,  Experian has yet to update and correct the account as closed. The third incorrect Creditor is RFBCU, Experian is incorrectly reporting that the account is still being charged off As of   XXXX   XXXX  , that is incorrect the account was settled and closed in   XXXX   XXXX   XXXX  , Experian has yet to correct this. I know it 's not  XXXX  's fault because it 's been corrected on other bureaus except Experian. The last creditor is  XXXX . On  Every Bureau   XXXX  has incorrect and mismatching information which violates several FCRA laws. I 've disputed and complained, sent in letters and the  XXXX  accounts are still incorrect. Multiple months are missing payments and it says ND ( no data ) instead of OK. That is incorrect and a violation. The fifth Creditor that is reporting incorrectly is  XXXX   XXXX   XXXX   XXXX   XXXX . This was not a collection account nor charge off in  XXXX . The account was paid and closed in  XXXX . It has a negative payment for the month of  XXXX  when it was clearly paid off and closed. Another reason how I know it 's incorrect because the  XXXX  of  XXXX  does n't allow individuals to consolidate a student loan that is in DEFAULT. These companies are clearly violation FCRA. Experian is allowing the Creditors to report invalid information in addition to reporting and coding certain incorrect information on the credit report in order to recieve a profit. I 've asked several humans/managers/supervisor to look into this And not to let a computer decide, instead the only thing they do is dispute and let a computer decide. It 's a disappointment because one line of the Experian  Mission Statement  says " transforming our relationship with consumers and delivering growth consistently ''. Honestly, they 're not doing any of that for me and shows the company is not following their own mission statement. I hope THESE issues can get resolved quickly so I can have a change of  XXXX .
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX has on more than one occasion intentionally changed the date of first delinquency extending the reporting period on my credit file. I have disputed this information multiple times and the result is the creditor reported the account open with a past due status dropping my score by more than seventy points. This account has been closed and charged off for more than seven years classifying as a zombie account and yet they are getting away with fraudulently reporting inaccurate information as well as manipulating information to extend the damage. If that wasn't enough, retaliation for challenging the information. Despite furnishing older reports which reflect older original delinquency dates dating back to XXXX of XXXX XXXX, I have also discovered another date back in XXXX XXXX and XXXX. XXXX XXXX XXXX XXXX refuses to correct this info rather they punish me by reporting different information to the three credit reporting agencies.
Product: Debt collection

Debr Recovery Solutions, LLC of XXXX XXXX, XXXX XXXX, XXXX NY XXXX. XXXX, continues to attempt to collect a debt for a landline phone number XXXX from XXXX that we never had installed at our residence.
Product: Mortgage

As the result of a single button-press in their XXXX app to receive more information, Wells Fargo enrolled me in a forbearance program for my home equity line of credit. 

I pushed a button in their XXXX app to learn more about payment assistance for my home equity line of creditseemed like a good idea given the uncertainties at the time. Next thing I know, I received a number of letters in the mail stating that they had approved a forbearance and that they were suspending my ability to draw on the remaining {$60000.00} available credit in my account. I did not skip any payments ( in fact, I made a {$5000.00} principal payment just after pushing the button ), and have a flawless record of on-time payments on this and all of my other accounts over my entire adult lifetime ( XXXX years ). My credit rating is PERFECT. 

I immediately phoned WF and spent weeks talking to more than 10 different people. Several of the people agreed to cancel the forbearance and restore my ability to make withdrawals, but in the end the forbearance was cancelled before it went into effect ( good ) but they said I would have to submit my two most recent income tax returns and re-qualify for the full line of credit before my draws could be reinstated ( not good ). I also asked WF to reverse the {$5000.00} payment I had just made. They did not refuse but kept stalling me until it was too late. According to WF, because I applied for a forbearance ( I merely wanted more details ), that indicates that Im having financial problems ( Im not ), and they dont want me to get further in debt. How someone with their assumed " financial problems '' can make a {$5000.00} principal payment I don't know. Im lucky, I have other assets I can draw on. But someone who doesnt have other assets and was negatively affected by the current COVID-19 crisis would almost certainly be forced into foreclosure were their access to {$60000.00} of available credit to suddenly disappear. Perhaps thats the goal. In my case, Wells Fargo could take possession of a $ XXXX house for $ XXXX and keep the difference. Seems like a tidy profit opportunity to me. 

Adding insult to injury, my credit report still reflects {$180000.00} in available credit for this loan, even though Im locked out of $ XXXX of it. This essentially prevents me from obtaining a smaller line of credit to replace the frozen {$60000.00}. Whats more, as I pay down the balance, the amount of available '' credit ( which is actually frozen ) will continue to rise, so my borrowing ability will likely be hindered for the next 20 years or until the HELOC is paid off.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a dispute letter via Certified mail regarding several erroneous accounts showing on my credit report on XX/XX/XXXX. It is now XX/XX/XXXX and I have still not heard back from the Experian Regarding these disputes. 

Per the FCRA laws, Experian must complete their results within 30 days of receipt of my dispute letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please update the late payment on these accounts because this account should not have any late payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

Referring to Account # XXXX from XX/XX/2017 with an amount of {$16000.00} 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been well over 30 days and you are in VIOLATION of this law because I am a victim of identity theft. Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Cakiect to subsection ( c ) any consumer reporting agency may furnish a consumer report ur following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTR consumer to whom it relates. I NEVER gave any consumer reporting agency WRITT to report anything on my consumer report which violates my rights as a federal prote + consumer. No consent was given.
Product: Credit card or prepaid card

I opened a fraud dispute on XX/XX/XXXX, 2017 for a charge that occurred in XX/XX/XXXX 2017 I visited what I believed to be a law firm licensed in the state of New York to handle a law suit on my behalf. The representative made a photo copy of my card and charged {$1000.00}. <P/>I found out about a week later that they had no license to practice law anywhere in the United States - a Felony. <P/>The representives then attempted to make 3 additional charges for {$1000.00} all of which were unauthorized and blocked. <P/>I made many attempts to request my money back since they had no ability to perform the advertised services and the advertised services were never able to be performed, since they have no license to practice law. <P/>I opened a dispute with American Express and requested an immediate chargeback since it was pure fraud. <P/>I spoke for more than 3 hours to various AMEX employees all of which refused to do anything. One individual in particular XXXX ( Employee ID number : XXXX ) was especially reckless should be charged with aiding and abetting fraud. <P/>I demand my money back now and regulatory action taken against XXXX and AMEX for refusing to resolve this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting a debt by a company named XXXX XXXX. I have never done business with this company before, I have no signed contract with this company. I am not liable for this debt in the amount of {$140.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.
Product: Money transfer, virtual currency, or money service

XXXX wife was tricked into buying a pair of sneakers from an ad she saw on XXXX. Through XXXX XXXX, the vendor began communicating great prices, great deals, etc. The vendor " XXXX XXXX '' " XXXX asked for this payment to be placed through Paypal and explained it must be labeled for XXXX XXXX XXXX  ; otherwise, customs would seize it due to XXXX XXXX. After being informed, I contacted Paypal immediately ( within 24 hours ) with all the information, including the tracking number, and told them that this was a scam, not a legitimate transaction ; even showing the address to be delivered to was not mine. I noted it was our fault for not knowing better, as I later explained to my wife how these scams work. Paypal reassured me the payments would be frozen, that the vendor would lose privileges on the site, and that everything would be okay. They just needed 24-48 hours to complete their investigation, and I would be kept informed. I received an email from PayPal stating that the case was denied and the transaction would be approved because it was labeled " friends and family. '' I immediately called Paypal and spoke with a supervisor who acknowledged that because it was not manually reviewed ( as they noted, the case was reported fraud and not legit ). It ran through the system because it was labeled " friends and family. '' It did slip through, and that mistake was on their end. They would manually re-open and escalate for me, and payment would again be frozen. I checked online, and my case was closed. I contacted them again, and management told me that even though it was accidentally electronically verified and not manually, there was nothing they could do, contradicting what they had already told me twice. They encouraged me to contact corporate to overturn, to find out that corporate has no direct contact numbers. I verified and filed a case with USPS as they confirmed this tracking number had been issued ( 8 ) eight times on that same day and delivered to the same address as mine was shipped to. I did alert the credit card company of this fraudulent purchase, as they also accepted the tracking number and confirmed my address vs. the " delivered address '' to support this scam. I am pleading for help ; I understand it is only {$100.00}. and could have been a lot worse, but it is more the principal now that PayPal allows such transactions and does not support the consumer even when given information to support the consumer 's claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to all the credit breuas and creditors to provide me with validation that the inaccurate information listed below belongs to me. several phone calls, faxes, and letters sent and no response. This is very hard for me to obtain credit and having a negative impact on my future things I am trying to obtain. 

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. 

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

There is a fraudulent Syncb/ PayPal SYNCB/PAYPAL XXXX XXXX XXXX XXXX, XXXX  XXXX inquiry on my credit report that I did not authorize date inquiry appeared XXXX
Product: Credit reporting or other personal consumer reports

I was sent a letter from Wells Fargo that I was denied a credit card. I never applied for a credit card with Wells Fargo. An inquiry was added to my credit report. I believe this to be a case of identity theft.
Product: Bank account or service

Explanation of complaint against PAYPAL Account : ( XXXXXXXXXXXX ) PAYPAL re-charge of {$380.00} on XX/XX/XXXX to my XXXX XXXX XXXX Credit cardXXXX XXXX XXXX Account Number : ***************** ( mastercard ) I am filing this complaint against PAYPAL because they have recharged my XXXX XXXX XXXX ( XXXX ) credit card account on XX/XX/XXXX for {$380.00}, money that I do not owe to E-bay seller XXXX XXXX ( screen shot of XXXX page ). PAYPAL has not only failed to do a due diligence investigation into the seller 's account transactions, but they are charging me for a product that I had bought and returned, and which in turn the seller resold on E-bay. 

In response to B of A 's letter of XX/XX/XXXX where the back wanted an explanation of charges ( see attachment XXXX ), I faxed the bank the documents they requested where I contested the charge of {$380.00} that XXXX wants me to pay back to PAYPAL ( see attachment XXXX ). I wrote XXXX an explanatory letter about the charge of {$380.00} that I was contesting ( see attachment XXXXa and XXXXb ). In the documents that I originally faxed to XXXX I explained clearly I was disputing the {$380.00} charge because I had returned the item to the seller and PAYPAL account holder XXXX XXXX, which he received on XX/XX/XXXX, XXXX Tracking # XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. ( see attachment XXXX and XXXX ), and which the seller subsequently re-advertised and re-sold on E- bay on XX/XX/XXXX for {$280.00} ( see attachment XXXX, XXXX, XXXX ). The seller is lying about not receiving back the item and PAYPAL has failed in conducting an investigation of their client 's claim. Instead, PAYPAL conveniently rebilled me credit card account with XXXX ( see screenshot of XXXX page ). I am also including all the documents that I originally faxed to XXXX ( Attachment copies A ) I would like PAYPAL to do their job competently and reverse the charge of {$380.00} from my XXXX account and not harass me with spurious claims from disreputable E-bay sellers like XXXX XXXX. 
Thank you, XXXX XXXX
Product: Checking or savings account

I received a Fraud Questionnaire i n the mail but I am having a hard time processing the claim because since my fraud claim I am having repeated trouble getting online to retrieve last transactions and getting into my account in order to obtain correct dates and info pertaining to the fraudulent use of my card. I've never had any issues like this before the fraudulent charges on XX/XX/XXXX {$340.00}, {$10.00}. And on the XX/XX/XXXX for {$.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have hard inquiries that I never had authorized..
Product: Checking or savings account

I requested assistance with fees by requesting contact from the branch manager At least 5-6 times by calling the branch directly, but would always get sent to the customer service line. When my fees first began, the branch manager contacted me & we spoke once. He told me if I run into fee issues to reach back out. I ran into fee issues later that were primarily a result in a delay in my direct deposit from child support that should always post on Fridays & there were two instances it didnt post until the following Monday or Tuesday. Then, I have my payroll direct deposit thats bi-weekly and I was accustomed to receiving it every other Wednesday but national bank always posted it later on Fridays. This all really messed up my accounting and I really needed, and still need help. Their complaints department finally got involved for a brief moment, but they too have now dropped the ball. Ive tried calling XXXX three times to see if any help can be provided and no one ever returns my calls. Now Im getting letters from their collections department & have had 2 calls trying to collect money. Ive told both those reps what has gone on & still no help. I barely had the account for 6-8 months probably & these problems arose in a flash. I realize Ive had a few fees reversed here and there, but Ive had upwards of {$800.00} in fees in a very short time. Thats a vicious cycle to try to come out of. Even if I had half those fees reversed, it wouldnt be so cumbersome. And if the branch manager would have reached out to me a long long time ago to help a customer in need, this would not be where it is today.
Product: Debt collection

A new company ic is trying to damage my credit with an old debt from XXXX. This account was already resolved
Product: Debt collection

Checking my credit score in XXXX XXXX I just noticed that my score went down for XXXX points and it says " Between XX/XX/year> and XX/XX/year>, a new account in collections was added to your report. The collection agency is HARRIS & HARRIS. The original creditor was XXXX XXXX XXXX' I do not erecognize this creditor, I haven't received any call or notification from it.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  account number XXXX ( C.C.S ) 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted Agent on XXXX only gave confirmation # XXXX Credit Report has multiple accounts reporting adverse ; however when I call agent can't find accounts listed nor has she been able to remove those acounts. File # XXXX XX/XX/2022.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so.