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

On XX/XX/XXXX I called fifth third to see if I could get any overdraft fees reversed because I had been told in XXXX when I called, I would be eligible after XX/XX/XXXX. Also to note I called in XXXXXXXX XXXX XXXXXXXX and was told I was eligible in XX/XX/XXXX which is why I called in XXXX. In XXXX, I was told I had to wait a whole calendar year before I could request one and the first one I received was in XXXXXXXX XXXX XXXXXXXX. ( Same thing I was told in XX/XX/XXXX but that the first one was in XXXXXXXX XXXX XXXXXXXX ). 

The rep i talked to on XX/XX/XXXX told me I was not eligible till XX/XX/XXXX and not sure why I was told differently. I asked to speak to a supervisor because all the calls are recorded and I wanted to know why I had been told wrong info several times. I was transferred to a specialist and not a super ( XXXX  She would not give me full name ) she was very rude and kept repeating herself and told me they would not review the calls because they only do when its an error on the bank. I told her this was, they gave me wrong info. These people should be at the least coached! I again stated I wanted to talk to a supervisor, she immediately transferred the call and cut me off. 

I then talked with a supposedly supervisor named XXXX ( would not release his last name ) he explained my first reversal was in XX/XX/XXXX which is why I had to wait till after that date to ask for any fees back. I had fees accrue in XXXX and XXXX but since I didnt ask for any of them to be reversed till my XXXX fees, they use that at the start date for the reversals. 

While I understand now I am completely appalled by how I was treated and how so many agents could tell me wrong things. This is deceptive and deceiving as well as does nothing to help the consumer who has banked with them for several years and paid several hundreds of dollars in fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX  are reporting incorrectly that I am 30 days past due on the XXXX  - partial account number XXXX. ( Please see the pages attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Product: Money transfer, virtual currency, or money service

Three ( 3 ) Unauthorized XXXX transfers via Bank of America ( BoA ) totaling {$5700.00}. On XX/XX/XXXX, Bank of America, via XXXX, transferred {$290.00} from my BoA checking account to an unauthorized recipient. On XX/XX/XXXX, BOA, via the XXXX XXXX, transferred {$3500.00} to the same unauthorized recipient. On XX/XX/XXXX, BoA, via XXXX, transferred a final {$2000.00}, from my BoA account to an unauthorized recipient. My initial contact for that unauthorized recipient was via an email address. At some time unknown to me, someone changed the initial contact email, via which I had sent a past payment to an authorized recipient, and had no reason to change the destination email, to an unauthorized telephone number by which the 3 erroneous transfers were made. Beginning on XX/XX/XXXX, I have had extensive discussions with BoA, and it twice now has reviewed my past claims, and denied the {$5700.00} claims. BoA claim Number XXXX. I have had multiple discussions both with the civil and fraud sides of BoA. BoA states only that I had authorized the three transfers, but has yet to submit any documentation to me indicating by what documentation it has arrived at that conclusion. The last BoA contact I had was in XXXX of XXXX. I recently read of the CFPB 's interest in XXXX transfer issues, and decided to file this complaint. I likewise filed claims to the FBI 's ICCC ( Internet Crimes Complaint Center ) on XX/XX/XXXX, but heard nothing back. Finally, I notified XXXX XXXX ( I live in XXXX ), as supplemented by additional information on XX/XX/XXXX, but have heard nothing back from that local complaint ( ID IR # XXXX ). I likewise notified XXXX, but have had no substantive discussions with it. 

Finally, I contacted the unauthorized recipient 's phone number repeatedly, but, of course, have had no response. BoA did alert me to the recipient 's XXXX ( I also live in XXXX ) bank, and I spoke with its fraud staff about the fact that one of its customers, whom I identified by name, and dates of transfers, as well as amounts, had received and accepted unauthorized transfers. I have no idea what, if any, actions that bank ( XXXX XXXX ) took vis a vis the account holder. As a former XXXX XXXX for a publicly-traded, XXXX XXXX  company XXXX ( XXXX XXXX  ), I understand full well how frauds occur, and was shocked at the treatment I have received from all other parties to these financial transactions. I have paperwork to support all of my claims for you in needed, and would be happy to speak further with a CFPB representative.
Product: Student loan

Despite expressing that the constant increase in payments is outside of our range we keep getting quoted higher and higher monthly amounts with no end in sight. Explain how the cost keeps increasing if Im paying the interest every month? How am I supposed to even pay this back? Absolutely sickening how much Ive already paid and how I still owe more than I borrowed, yet interest rates keep magically climbing with no heads up.
Product: Debt collection

I went to XXXX XXXX XXXX in XXXX and I think it was in XXXX or XXXX XXXX XXXX school was closed down for federal fraud and there was a process that I could go through to get my debt removed and I went through all that and all my school debt was removed from my credit. About a year later it was all replaced onto my credit I tried to contact and explain this and they have no idea what I was talking about but I had proof at the time on my credit report it said the Department of Education had paid off all my student loans and now it is back on my credit and I am unable to get a mortgage or anything the company is FedLoan Servicing
Product: Checking or savings account

A check for {$960.00}, written by an insurance company I've never heard of, was cashed ( by whom I don't know ), and for some reason the money was withdrawn from my Wells Fargo checking account ( rather than from the insurance company 's account ). I found out about this after getting an email from Wells Fargo to say my account was overdrawn. When I called to find out what was going on, they looked at the check in their system and it was completely clear to them that this was not my check ( it was not written by me nor to me ) and that the funds had been taken from my checking account in error. However, they refused to give me my money back. Wells Fargo opened a " claim '' and said I could wait up to ten days to get my money back. I was on the phone for two hours and they kept repeating that there was nothing they could do. How is it legal for them to take {$960.00} from my checking account by accident and not give it back immediately?
Product: Debt collection

XXXX has been calling me repeatedly at XXXX XXXX at various different number in an attempt to collect a debt that I am not responsible for. The company is claiming I opened a XXXX XXXX in XX/XX/XXXX and continued to pay till XX/XX/XXXX. This is untrue. I never had a XXXX XXXX during these times and do not owe this debt. I tell this to the representative and they continue to harass me. They have completely filled up the space on my voicemail with threats of litigation if I do not respond to them.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint.

I am filing this to report five fraudulent accounts appearing on my consumer FICO Experian credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a Credit Card opened at XXXX XXXX XXXX  on XX/XX/XXXX under the account number XXXX, a Loan opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, an Auto Loan opened at XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, a Loan opened at XXXX XXXX XXXX XX/XX/XXXX under the account number XXXX, and a Credit Card XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items ceased.

These accounts have resulted in several fraudulent chargeoffs, fraudulent late payments, and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections, late payments, or chargeoffs as reported. The aforementioned accounts, collections, and chargeoffs appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, late payments, and charge-offs are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the aforementioned fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, On XX/XX/XXXX, I tried to call the XXXX Credit Agency to advise of inquiries that I did not recognize. There were plenty of inquiries. I asked for them to be removed and have written letters as well. I continue to get horrible customer service and no one is willing to help me. These are negatively affecting me in the time of my need. Can some please help me remove these inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

I attempted twice to get a copy of my report from XXXX. First time my request was ignored. Second time they sent me a letter stating that they needed me to put my request in writing along with my PIN number for my security freeze because I requested to change information contained in my report, which I did not. I then followed up with a phone call and they were " unable to access my report '' to assist me with my concern.
Product: Debt collection

Started a day after my birthday, which was all the more suspicious to begin with, I received a private call ( to the best of my memory ) asking me to verify my social security number, as they had personal information verbatim. Which prompted me to not comply, as I receive automated/spam/impersonation calls claiming that I have outstanding student loans, which are all lies, as I do not have any debt and Ive always paid my bills in a timely manner. Its very difficult differentiating what calls are what, especially when Im called on private numbers. We also live in the 21st century, where virtually everyone is easier to contact via email which is what I told Helvey & Associates and their response was, due to the nature of our business, we dont disclose our identity. If I had known they were a collection agency, I would have done everything in my best interest to comply.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA violations : payments never late XXXX XXXX XXXXXXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1300.00} Status Open. 
XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 

FCRA violations : inquires not mine XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX on XX/XX/XXXX On record until XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : not my names XXXX XXXXXXXX XXXX XXXX, TX XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed.

Under USC Sec 15 1681, 1682, 1683, 1684, 1692, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XXXX, XXXX, Experian. These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX, XXXX, and Experian. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, XXXX, and Experian report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.

Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately.

I am requesting a manual veriication and not an automated process through XXXX, XXXX, and Experian stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$1100.00} XXXX XXXX Date Opened XX/XX/XXXX Balance {$560.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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 the recent CFPBs 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 tracking these transactions was unfeasible. The CFPBs 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 safety
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting inaccurate, unverifiable information on my credit report. They are reporting derogatory information on behalf of XXXXXXXX XXXX and are refusing to remove the tradeline from my credit report. 

I demand that they provide me with a sworn statement of the person at XXXXXXXX XXXX that has original knowledge of the negative tradeline Equifax is maintaining in their file. In addition to this, I demand the names, addresses, and phone numbers of each person they spoke to when they claimed to have verified the debt. 

I also demand that they delete the frivolous tradeline from XXXXXXXX XXXX  immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I use to work for a company back in 2013 that went bankrupt shortly after my departure as an employee. I moved on with my life and studied XXXX and became a XXXX XXXX XXXX for one of the biggest XXXX XXXX in XXXX. I recently noticed credit card account reporting on my credit report that i had never opened and never used at first i was very confused because there was no explanation to how it got there. When i dug a little deeper and called chase to try and resolve this issue i found out that it was a Business credit card that belonged to the company i use to work for. I never had any idea that this account was linked to my social security number. I tried to resolve this issue with both the Creditor and the credit bureaus but the account is still reporting on my credit report as if it belongs to me. Not only the statue of limitation already passed ( Its been Over 7 years ) the account is being reported as a collection and with a balance of more then 5,000 dollars.
Product: Debt collection

XXXX XXXX EMPLOYEE/SUPERVISOR XXXX XXXX HAS STATED TO ME THAT BY LAW XXXX DOES NOT HAVE TO SUPPLY A STATEMENT ON THE FIRST LATE DATE OF THIS ACCOUNT, NOR DO THEY HAVE TO KEEP THE IN HOUSE RECORDS. I ALSO HAD THEM CHECK INTO ANOTHER CASE THEY HAD IN THERE OFFICE SOMETIME AGO. 
ACCOUNT NUMBER : XXXX Original Creditor : XXXX, XXXX. 
Current Owner : XXXX XXXX XXXX XXXX Number : XXXX AND THEY HAD TOLD ME THAT THE ABOVE CASE HAD BEEN DISMISSED, AND THAT THE CASE I 'M DISPUTING NOW ACCOUNT NUMBER : XXXX REF NUMBER : XXXX WOULD BE CLOSED DUE TO HARDSHIP, BUT I 'M STILL BEING HOUNDED BY THEM AND FIRST NATIONAL COLLECTION BUREAU , INC .
Product: Debt collection

I received recently onXX/XX/XXXX a notice/attempt to collect a debt from XXXX XXXX XXXX XXXX.. I sent midland via certified mail onXX/XX/XXXX a debt validation request letter. I received from midland on XX/XX/XXXX pretty much the same document which they sent in XXXX as a response for my request for validation. The package included a simple statement from midland saying they found their information in their notes to be correct. Midland also sent me a letter which anyone from their office or outside of their office could have typed which looks suspicious in nature saying midland purchased a debt of {$740.00} from XXXX XXXX  for a r us credit card ending in the last four digits of XXXX. Midland failed to provide sufficient proof of this debt owed and or rights to collect via an original signed contract by myself. I requested debt validation under the Fair Debt Collection Practices Act, which is established as consumer legal protection against abusive consumer collection practices. 

I am requesting that midland stop all deragatory credit reporting to all three credit bureaus and that midland removes the deragatory Collection account from all bureaus as well as cease and desist collections attempts and contact as they were offered legally the opportunity to validate this debt and failed to do so.i have also filed a complaint with the Illinois Attorney generals office under reference number XXXX. 

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

On XX/XX/XXXX, my wife called our existing mortgage servicer, XXXX XXXX point and explained that our tenants had lost their jobs due to Covid 19 and that we couldn't make the mortgage payment due on XX/XX/2020. She requested Forbearance and was told it would take 48 hours and that we would not be marked as being late during forbearance. 
We did not make the XX/XX/XXXX payment. Then the mortgage company called us and demanded the XXXX payment. We were confused because the loan was supposed to be in forbearance. With great hardship, we did make the payment on XXXX and we paid for both XXXX & XXXX. On XX/XX/XXXX, we made a payment which was slightly short, again the lender demanded that we give them more money which we did on XX/XX/XXXX. We had NEVER been late before or since. We were told that our loan was in forbearance and no payment was needed. XXXX XXXX XXXX point has a recording of the actual phone call and also has a log of the XX/XX/XXXX call. We are trying to refinance to get a lower rate. The lender denied us because of the two mortgage lates that XXXX XXXX is incorrectly reporting. On XX/XX/XXXX, we called the loss mitigation dep & XXXX, said that it was a XXXX XXXX error and that we should dispute it which we did once on XX/XX/XXXX and again on XX/XX/XXXX.
Product: Credit card or prepaid card

I had a Bank of the West Secured Credit Card with a {$1000.00} limit and a {$1000.00} security ( kept in the banks savings account. 

1. Back in XXXX I asked that the bank close my account ( at my request ) and apply the security deposit. They failed to do so. While I received a letter stating they closed the account ( letter dated XX/XX/XXXX ) with a balance of {$1000.00} from my voluntary request, they did not apply my security deposit. 

2. I have made multiple written requests, phone requests, and even taken to social media asking for help to get my security deposit applied. I have stated repeatedly that once they apply the security deposit and send me a bill for any difference I will pay the difference. They claim to call me back and leave messages, and yet they don't. Although they have hung up on me. When they have spoken to me ( because of my phone call attempts, they hang up, refuse to help - saying they have no ability, refuse to give me to a manager that can do something, or actually promise it will be done and nothing occurs. This has literally been the worst customer service ever. 

3. Instead they have charged additional fees/interest and refused to apply the security deposit. As of yesterday morning the representative i spoke to ( that their social media support transferred me to ) stated that if I pay the full balance which is now {$1100.00} ( due to fees and interest added ) that they will then at some point in the future mail me a certified check for the security deposit. But there are no guarantees of when I will get that deposit back. 

4. This is not satisfactory, that is my {$1000.00} in that savings account, I don't trust the bank at this point as they have spent months lying about closing the account, stating that in " two weeks my security deposit will be applied '', and now trying to get me to pay the balance and wait for a refund on my security deposit. 

Please help me to get this account closed and security deposit applied. 

*I have attached the letters received and the latest email outlining the events to the Bank of the West Social Media representative. I have also attached the last security deposit statement and the XXXX Credit Card Statement.
Product: Debt collection

I called into this company in response to a collection notice I receive via email. I spoke with an agent named XXXX XXXX. He was rude from the get go of the phone call. This particular debt was taken on by another collection agency previously and I received a letter that they have dismissed the debt after I disputed it. Now all of a sudden ERC is trying to collect on it. When I explained this to XXXX XXXX, he was rude in his response to tell me that it was my fault because I did not do what I was " supposed to do '' in regards to the debt. He outlined all these steps that I " should have '' done. I asked him how would I have known that if nobody has previously told me to follow those steps and if the previous company dismissed it. He continues on, rudely, ( paraphrasing ) " and here we are again, that's why you're here because you didn't follow what you were supposed to do. '' He was condescending with me throughout the entire call. I did not appreciate his tone, attitude, nor the way he handled the situation. The website he gave me to file a report is a non working website. I am not sure of the legitimacy of this.