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

On XX/XX/22 I placed a stop payment on a check that I had written in error in the amount of {$610.00} and that stop payment was accepted by Wells Fargo Bank and I was charged a {$39.00} stop payment fee. No disclosures, terms or conditions were read to me by the bank agent. The bank agent checked to verify that the check had not been presented for payment. 

To my dismay, the bank paid the check on XX/XX/22 even though the stop payment was confirmed. 

I immediately called the bank and explained the situation to a phone bank supervisor who filed a claim on my behalf and supplied me with claim # XXXX. 

That claim was denied by the bank on XX/XX/22 due to : " The stop payment was requested the same day the check was posted to the account. In return the check was paid and can not be returned. '' I once again called the bank on XX/XX/22 and my claim was reopened and escalated to the Wells Fargo executive office case specialist and was assigned to XXXX XXXX with a case # of XXXX. 

On XX/XX/22, I received an email from XXXX XXXX informing me that once gain the bank had denied my claim. 

I can not understand why the bank would accept my stop payment request and charge me a stop payment fee even though they didn't stop payment on the check.
Product: Money transfer, virtual currency, or money service

My ex husband removed bonds from a joint safety deposit box. He cashed in bonds that were in mine and my children 's name at Bank of America. I had the US treasury do a search and I have copies of the bonds the signature on the bonds is my ex-husband 's name. From what I understand on the US treasury and B of A management, nobody but the people named on the bond are supposed cash them. My ex-husband stole my children 's and my bonds cash them with his signature and Bank of America processed it.
Product: Credit reporting or other personal consumer reports

I have reported the XXXX XXXX account XXXX XXXX for fraudulent activity. as I was not the one to open this account. I provided an identity theft report from the FTC and I receive communication from Experian stating that an FTC identity theft-report is not official because the FTC is not a law enforcement agency. ( I do have copies of this communication that was received from Experian ) this account was reported by XXXX XXXX and XXXX as well. Both XXXX XXXX and XXXX determined that the information was not only inaccurate but fraudulent. Once I turned in the identity theft report from the FTC. The inaccuracy was. XXXX XXXX had the account balance at {$3700.00} and XXXX had the account reporting at {$3700.00} while Experian is reporting the account balance at {$6800.00} due to this inaccurate information as well as fraudulent information XXXX XXXX and XXXX both immediately deleted this information off of my credit report ( I can provide you with the investigation results from XXXX XXXX as well as XXXX if needed to help your investigation ) as well as assured that this information could not be re-added to my report however, Experian is refusing to remove this account from my credit report and is continuing to report the account as verified. How can this account be verified if its being reported amongst other bureaus with different information. How can two other credit bureaus deem this information fraudulent and false but experian can continue to report as verified. this tells me that a proper investigation never took place failure to re-investigate this issue properly is a violation of my rights under the FCRA.
Product: Credit card or prepaid card

XX/XX/XXXX XX/XX/XXXX my card was marked as potential fraud and I could not use it. I called citibank. They noted it and they sent me a new card. I informed them I needed to review the charges and see what was fraud or not. 


Sometime within a week of above - I called citibank and gave them the items that were marked as fraud XX/XX/XXXX- XXXX - XXXX XX/XX/XXXX - XXXX - XXXX XX/XX/XXXX-XXXX - XXXX I was informed they would be removed and I would be contacted if they needed anything. 


XX/XX/XXXX I checked my statment on XX/XX/XXXX and nothing was removed. 


I called and spent over 30 minutes on the phone with the fraud department. 


I spoke with XXXX ( initial rep ) and XXXX, the manager. 


XXXX said I should see a credit within 3-5 days and they would call if they needed further info. 


I am sending this email as further documentation so I have some proof of the call and investigation that I have started again. 


XX/XX/XXXX I checked my account again and no credit. 
I called and spoke with the customer service department. 
They said they didn't show open disputes. 
They said they would reopen and request credits. 
I said this was unacceptable and that this should already have been credited. 
I am happy to assist with the fraud process, but I should already have a credit. 
I asked to speak to a manager. They stated that department was closed right now ( it was XXXX PST ) They apolgized ad said I would receive a call in 24-48 hours. 
I stated, I am going to file a complaint.
Product: Money transfer, virtual currency, or money service

I signed up for an offer through XXXX to start an account with eToro, deposit XXXX, and receive XXXX XXXX. I have fulfilled the terms of the agreement with a deposit of XXXX ( 2, now, actually ) and have not been credited my bonus. Additionally, customer service has not gotten back in touch with me despite contacting them more than a week ago.
Product: Debt collection

Received email from debt collector on XX/XX/XXXX regarding a XXXX bill in the amount of {$200.00} and they are willing to settle for {$110.00}. The email contained the name of the creditor and DBA, account number, amount owed, and name and address of debtor. 
I am not this person, but familiar with whom he is. He passed away in XXXX of XXXX.
Product: Credit card

I took out my Bank of America credit card to pay all of my wedding expenses, with the expectation that I could pay it back after my wedding ( from the 0 % 12 month APR ) plus get a small cash back bonus from my purchases. I 've used the card for over {$5000.00} worth of wedding expenses, and have XXXX points. I am getting ready to pay off the card now that my wedding is over, and I am trying to redeem the points. 

When I took out the card, I was mislead to believe that the rewards acted as cash back. I did n't realize that the rewards were to be used to credit travel expenses only. I called BAC several times to try to redeem the points ; ticket # XXXX was created to have my points redeemed for full cash value as a one time courtesy due to this confusion, which equates to {$270.00} ( vs. the 60 % or so that was originally quoted to me ). Then, when I called in today, I was told that they can not honor this redemption at all. 

This is a great example of a credit card company offering a misleading, hard to use reward system. I entrusted BAC to help pay for my wedding and was lured in by a ridiculous, misleading reward system.
Product: Credit reporting or other personal consumer reports

I am requesting an investigation and dispute of these accounts as they have been wrongfully reported on my credit file. Under the Fair Credit Reporting Act, I am entitled to {$1000.00} for each incorrect report.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several things wrong in my credit reports but there are 2 that bother me the most. The first one is that I XXXX my daughter XXXX XXXX XXXX after her biological father gave up his rights. My ex wife divorced me and I got stuck paying what should have been his child support to pay. I understand I am responsible for my XXXX  daughter but I disagree with reporting my child support payments to the credit bureau. That is personal information and is not a loan and people mistakingly misjudge my character when I am the one that stepped up and took responsibility.

Also, I am an XXXX XXXX  veteran having served 8 years in the XXXX XXXX from XX/XX/XXXX-XX/XX/XXXX. I recently had to file for chapter XXXX   bankruptcy because there is so much stuff on my credit reports that is over 7 years old that is confusing when I go to buy a car or apply for a mortgage. American consumers are not getting the protection against financial powerhouses that they deserve. The average American cant afford to hire an attorney and get incorrect credit issues removed. There should be more in favor of the consumer instead of the incorrect information that big data wants to keep on us. Give consumers a break and crack down on XXXX, Transunion and XXXX. I had my bankruptcy discharge and it says it wont fall off until XX/XX/XXXX. I am not a billion dollar corporation just a hard working American. Help
Product: Credit reporting, credit repair services, or other personal consumer reports

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TOT INACCURATE INFOMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS.
Product: Credit card

I applied for the credit card and the application did not let me enter the desired credit limit. I was told to wait and call back after four days To request a credit limit increase. I did that and it did not work. As a result, I asked The company to cancel the entire request and remove it from the credit bureaus. They refused to do this and only canceled the credit card. Because the website did not allow me to enter the desire amount as a result this card is no good to me because I can not use it for my balance transfer. The balance transfer was the only reason I opened the card. 
Supervisor : XXXX, employee ID : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was surprised when i saw adverse effects on my credit report. I disputed the accounts with the credit bureaus and requested for evidence proving that the accounts are my responsibility and did not get a reply..CFPB please remove the accounts ASAP, nobody wants to grant me a loan because of these errors XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX , XXXX XXXX XXXX, XXXX XXXX XXXX ( ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX ( ORIGINAL CREDITOR NAME : XXXX XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX ( ORIGINAL CREDITOR : XXXX XXXX XXXX   )
Product: Checking or savings account

Hello. My name is XXXX XXXX. I have a personal account with JPMorgan Chase & Co. On XX/XX/XXXX my account was charged total of {$31000.00} from XXXX XXXX XXXX. Total of XXXX ACH transactions were made. However, I never authorized any of them!!! I called the bank ( Chase ) immediately and let them know that I never authorized those transactions. Let me also mention that I called them immediately the same day after those transactions were made. They told me they will give me a temporary credit as they also did not share my account 's information. Later, they asked me to come to a branch and sign a " Statement of Dispute ''. I did that and faxed it to them. Today, I called again to find out why they have not provided the temporary credit because these are tough times and I desperately need that money. They told me that the investigation is closed and they won't do anything more. I even tried to contact that merchant but they keep transferring me to somebody else. In the past, I have provided a service for that company and they paid me with XXXX transactions. I do not know why and how they charged me back without me giving any consent or authorization.
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XXXX AND XXXX to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting

I disputed a medical account on my Equifax credit report XXXX/XXXX/2015 and the account came by verified and I sent a letter on XXXX/XXXX/2015 stating that the collection agency did not have collection authority on the account because the balance was paid to the hospital and the account is not in collections. Today I receive an updated credit report stating that the account remains the same with a balance and still on my credit report. They did not verify the information
Product: Credit reporting, credit repair services, or other personal consumer reports

The following credit card accounts, collection account, public record, and hard inquiries currently listed on my Experian and XXXX credit report, are fraudulent and unauthorized accounts and credit inquiries and not my public record : XXXX XXXX  XXXX  : XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX : XXXX, XXXX XXXX XXXX Collection Account, balance : {$5600.00}, bankruptcy discharged XXXX XXXX discharged, U.S. Bankruptcy XXXXourt XXXX XXXX XXXX XXXX  XXXX XXXX, Date of Inquiry : XX/XX/XXXX, XXXX, Date of Inquiry : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I called XXXX XXXX XXXX and they said the loan amounts are correct but when you look at the XXXX, Experian and XXXX website the totals are incorrect and not updated to reflect the amount of debt we have paid off. Thus we were forced into a loan percentage rate that was higher. Which will end up costing my family thousands to the creditor.
Product: Money transfer, virtual currency, or money service

I am customer with Coinbase and have been with them for about 4 months now. I never had any problem with them until I try to log onto their website from XXXX, XXXX. I did NOT do any transaction just tried to log on to check current price levels. Coinbase immediately locked my account and has not responded to my many emails, opening of support tickets etc ....
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/20 called Loanpal due to credit alert. My score had dropped over 100 points on all 3 credit reporting bureaus. I asked why the report was made as I've never not paid. I had been told that my payment went up because I had not met a target rate and I was delinquent 30 days in the amount of {$60.00}. I was unaware of any target rate. I explained that I'd always paid my bill based on the contract amount and had not missed any payments. I asked that they make the correction and there was no give there. 

This is an installment agreement. The payments are to be the same month over month. This is what I was told when we made the purchase. The company derailed my credit because they chose to raise my payment. They ruined my credit over a {$60.00} underpayment that I was not aware of. 

I paid the additional {$60.00} and have been paying the bill at the higher rate. This is unfair as I agreed to a monthly payment of {$140.00} which is the amount paid each month. This is tantamount to fraud and is clearly a bait and switch scheme. 

I'm appalled they would report this given the current world events. The economy is in shambles for many people. There was and has been no offer to defer or even correct their mistake.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute letter to Experian listing all the personal information errors on my credit report that I would like them to delete. 

They did not investigate anything ... all they did was to send me a copy of an updated copy of my credit report " WITHOUT ANY OF THE DISPUTED INFORMATION DELETED ''. 
It's obvious that no one at Experian even looked at my letter ... I feel that this goes against the Fair Credit Reporting Act. 

There are several personal items on my credit report that are not mine ... such as variations to my real name ... several addresses that are not mine ... wrong employment information ... ... wrong telephone numbers ... THE WRONG NAME OF MY SPOUSE ( My wife 's name is XXXX, not XXXX ) ... and they even list my home address as some kind of engineering business
Product: Credit reporting, credit repair services, or other personal consumer reports

The Bank of America are doing credit inquiry without my permission on XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

" " '' I have disputed this Account XXXX XXXX XXXX XXXX for months.XXXX and XXXX have reversed them but TransUnion is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously.

I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''
Product: Debt collection

I have not supplied proof under the doctrine of estoppel silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists
Product: Credit reporting or other personal consumer reports

Am not sure who or where your getting data about me from to report on my credit but your recent investigation have removed 2 of my accounts- XXXX XXXX XXXX XXXX  credit card with account number XXXX - XXXX XXXX XXXX XXXX auto loan with account number XXXX correct your report immediately
Product: Debt collection

formally dispute the claim made by Central Portfolio Control , Inc regarding an alleged debt of $ XXXX on behalf of XXXX . After a thorough review of my financial records, I can confidently state that I do not owe any money to XXXX, nor have I engaged in any business transactions with Central Portfolio Control , Inc. 

Thank you for your attention to this matter. I anticipate your prompt response to initiate the resolution process.
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. 

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 card or prepaid card

My Card had an available balance of my money of + {$1800.00} on XX/XX/XXXX. I have not made any transactions or withdrawn any money since then. My card was hacked by hundreds ( around 500 ) of withdraws transactions labeled XXXX INTERNET , California or XXXX XXXX XXXX XXXX XXXX, California mostly on XX/XX/XXXX and XX/XX/XXXX, almost all the transactions were in the amount of XXXX, XXXX, and XXXX, which drained my balance to XXXX $ on XX/XX/XXXX. 
I filed a complaint with the company and my claim # is XXXX, they gave me a credit of around 100 transactions in the amount of {$320.00} onXXXX and XX/XX/XXXX and promised to do the rest later. They still need to retrieve {$1500.00}. 
I have spoked with 4 of their agents on 4 different dates including the manager to complete the process but all they have been telling me is promises with no actions, I have spoken with XXXX in XXXX, XXXX in XXXX, XXXX in the middle of XXXX, and XXXX in XXXX. 
Please I need this to be resolved, it is going on for almost 4 months with no resolution at the end. 
Please I need help to get my money back and I am asking your help
Product: Debt collection

When I first noticed this account on my credit profile with the credit bureaus, I contacted the original creditor XXXX XXXX XXXX, letting them know this account has been fraudulently opened in my name. This account was removed from my credit profile. 

Almost one year later I am receiving communication from a collection agency Resurgent Capital Services c/o LVNV Funding LLC stating I owe a debt for a credit card account that does not belong to me.
Product: Credit reporting or other personal consumer reports

Fraudulent Account and Inquiry appeared on my Credit Report. From : 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2. XXXX XXXX XXXX XXXX 3.XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

As of today, XX/XX/XXXX, NationStar Mortgage now doing business as Mr. Cooper, has not reported my payment history nor my current balance to the 3 major bureaus since last year XX/XX/XXXX. I have been with this company for 4 years now. I have called them numerous times and even have a case open with them. They tell me the same thing, every time, " Your case is being worked on, we are looking into it ''. I believe this to be a lie! NationStar was just ordered to pay {$1.00} million in penalties, and they still have not corrected the issue the were penalized for.
Product: Bank account or service

We have a credit card from Bank of America and was signed up for automatic payment. I cancelled automatic payment in XXXX 2015 after our checking account was debited twice after I made a payment. The extra money was returned to our checking. This month, {$520.00} was removed from our checking account ( XXXX XXXX XXXX XXXX ) and applied to our credit card. After making a complaint, Bank of America stated they would credit our checking account on XXXX XXXX, 2015. This did not happen. After phoning Bank of America today, the lady I talked to said that the money was credited back to the credit card account. I told her that was totally wrong. How can Bank of America take {$520.00} out of my checking account to credit the credit card account ... then removed that {$520.00} and again credit it to the credit card account. Totally makes no sense whatsoever. Bank of America states they will research the problem which will take at least seven to ten business days. This is unacceptable.
Product: Credit reporting or other personal consumer reports

I need to inform you I was the victim of identity theft. I'm disputing the following account as it was opened without my knowledge, consent or authority. I contacted the company and they said to file the FTC affidavit from the site identitytheft.gov. Please dspute the following account. It was opened wihtout my knowlege, authority or consent. 

XXXX XXXX XXXX XXXX