23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received a call from Monarch Recovery Management regarding a personal business matter for my mother. I simply asked the representative for the name of the company and a phone number in which she could call back. The representative and her Supervisor XXXX XXXX both refused to provide any contact information for their company. I considered this harassing behavior and an unfair deceptive acts and practices.
Product: Student loan

XX/XX/2020 I agreed to have a third party to handle my Federal Student loans. Unknown to me they were not a legitimate or trusted company. The Company Student Apex told me that they will help consolidate my federal student loans, help lower my principle, and help me out of delinquency. I agreed to allow them to do this. 
On XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, and XX/XX/2020 {$190.00} was removed from my account under the assumption that Student Apex was transferring the funds to my Federal Student Loans. Upon returning to the States after the summer I began reviewing my Student loans and discovered that my loan were still in forbearance. I called my Loan Servicer to gather information and additionally discovered that they had not received and funds in the last 6 months for Student Apex. The total amount that was withdrawn from my account from this company totals {$1100.00}. 

Again, after making several attempts at contacting Student Apex via phone and email I called my bank and cancelled my card. Additionally I placed a fraud alert on my account starting XX/XX/2020
Product: Credit reporting or other personal consumer reports

Despite XXXX disputes with Experian, they are still reporting XXXX of my students loans as having a balance. On XXXX student loan account, they are incorrectly reporting a {$53000.00} balance. ( XXXX and XXXX are correctly reporting a {$0.00} balance. ) My loans have been forgiven. I have submitted evidence verifying that the loans have been forgiven, and that I have a XXXX balance with the XXXX XXXX XXXX website, as well as XXXX ( the student loan servicer ). I can not understand why Experian is incorrectly reporting a balance. This is preventing me from refinancing my house.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried multiple times over the past year to get Experian to remove several old student loan accounts off my credit report. Now, when I try to dispute them with Experian, I get their favorite line, " experian has already allowed you to dispute these once and is not obligated to allow you to dispute them again '' This statement really is Experian 's go to line to give consumers, on average I've had to dispute an incorrect item about 4-6 times before experian will take it seriously. 
But, every time after doing so multiple times, they end up removing the item because I was correct. 
All of these are over ten years old and have been paid and closed. There are two accounts labeled " XXXX XXXX XXXX '' that show " unknown closed ''. There are a total of 9 old student loan accounts that have all since been paid and closed and Most of the data on each of these files is either missing completely or incorrect. Some of these show as late and are counting against me on my credit score, while at the same time, they only have small bits of data/information. The dates of these accounts are all between XXXX. Some of them appear like they are duplicates, but then again with very little information ( mostly blank ) it's hard to tell which is which. All of the accounts in question are some variation of XXXX, XXXX XXXX XXXX, or Dept of Edu/XXXX. XXXX is notorious for their mishandling of student loan files and committing fraud against borrowers. This makes it even more important to remove ALL of these considering most of the data is blank/incomplete. 
Please, Please do the right thing and remove all of these ASAP, like most individuals who have student loans, it is almost impossible for me to get the correct information from these old student loan companies. - ( some of which no longer exist due to fraudulent handling of student data )
Product: Credit card or prepaid card

This incident occurred with the Netspend company while trying to set up a prepaid debit card purchased : from XX/XX/XXXX. 

Total dollar amount spent {$55.00} Bought a card spring of XXXX and loaded {$40.00} into it. Went to activate in XXXX of XXXX and couldnt activate card : XXXX expiration dates listed : XXXX on the package in which the card came and XXXX on the card itself ( the one on card was XX/XX/XXXX ) I called and tried to activate the card and was told that it had expired. Later told the {$5.00} per month inactivity fee had drained the card. 

A courtesy credit of {$23.00} was guaranteed but not noted on my record when we called the next day. 

Representative who told us we would receive a courtesy credit told us that we would have to buy a new card to loaded the courtesy credit on. 

Upon calling the next day with a new card worth {$10.00} ( activation fee + card minimum ), no one had any record of the courtesy credit. A lady finally finds it and places on hold for 45 minutes before never getting back to us. 

We call back and a new representative tells us there is another {$5.00} fee ( this is not the case, fees were already taken care of, and this was a courtesy credit ) This gentleman then asks to activate the new card, and in doing so asks for my DOB, address, phone, full social security number, and email Gentleman says hell help activate card but then says he actually can not because I need to set up a PIN ( my first time hearing about this ). He tells us hell transfer us to automated PIN line, we say no well do it from another phone and successfully do it Once PIN is set up, however, he says he can not actually unrestrict my account to load the courtesy credit. When we ask for supervisor, we placed in supervisor queue for over an hour before being disconnected We call back and get a new representative who says shell connect us but knowingly tranfers us into the supervisor queue three minutes before the call center closes which we only find out when we call back after another 40 minute hold. 

I think their practices are deceptive and intentionally making it difficult for the consumer to access the funds that they place on the card. This is bad business practice. 

I tried to call their corporate headquarters, and there is no way to reach anyone there either. I typed in the first and last name of many high level executives as was promoted and the automated system repeatedly returned with no matches.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are accounts on my credit report that aren't mine. Please remove them.
Product: Debt collection

CFPB I made an uniformed decision when I entered this consumer credit transaction with Capital One. This agreement was not clear and conspicuously and I did not receive adequate notice I did not agree to such agreements, I didn't notice nor did I understand what an agreement is.
Product: Checking or savings account

Wells Fargo is a scam. It operates solely on predatory practices. For one, the law requires that consumers actually opt in for overdraft coverage in order to be charged overdraft fees. I never did. I spoke to a rep and they said it was automatically added when I opened the account, which is extremely predatory. Why was I not made aware of my option to opt out? After never opting in, might I add. This is illegal. Then theyre approving all these charges when the account is already in overdraft simply to continue charging me overdraft fees. Ive been charged XXXX {$35.00} overdraft fees when the transactions should have just been declined. I never asked the scammer, I mean Wells Fargo to cover transactions for me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I have been contacting Indigo XXXX XXXX for a few months now. Last time I used the card was XX/XX/2021 with a XXXX balance. I login to their online portal it shows {$0.00} balance I have screenshots and it also shows the last statement was in XX/XX/2021. I contacted them last month because I received a letter stating I owed {$250.00} when I shouldn't owe anything. Due to this card my credit has been dropping significantly and has been affecting it. When I called I expressed my concerns to the Rep at Indigo than requested a supervisor. When I spoke with the supervisor she said she would open a dispute with the Credit Bureau so they can investigate. I look at my credit report and now it still shows I owe {$250.00} and Im late the past three months. Yet I had requested a new card three months ago still havent received it nor has there been any transactions. I am not sure what else to do. I have been trying to rebuild my credit and nothing has been resolved I have all screenshots and I am able to download all statements.
Product: Checking or savings account

I want XXXX and Bank of America to be sued for monies given to them by the US Government and all business cut off from them by the U.S. Government. They are taking a political stand that doesn't represent the US Government or the 2nd amendment. I am sick of it.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or removed. Per FCRA segment XXXX, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
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 XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

I was not made aware of the initial debt claimed of {$100.00} in XXXX. My address and phone number and all other contact information has remained the same. Furthermore, I have never been contacted by Designed Receivable So. On XXXX I received notification from a credit bureau of an unfavorable report to my credit Upon further investigation, I saw XXXX entries from Designed Receivable So. XXXX from XX/XX/XXXX in the amount of {$100.00} and XXXX from XX/XX/XXXX in the amount of {$110.00}. I was never contacted by the initial company, I was not made aware of the debt prior to it being sent to collections. I was not contacted by Designed Receivable So to attempt to settle the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I found out that an account has been opened in my name in TD BANK which I never opened, I found out about this account in XX/XX/2020, I had already filed an police report about this situation in XX/XX/2020 as well. I have disputed this account several times with the credit bureau ( XXXX ) but the account still remains on my credit report please help me. I had also gave the copy of my police report to the TD BANK branch near me but the account has still not been terminated.
Product: Credit card

XX/XX/year> Comenity Bank called I told them I would give them a call to make a payment. The customer services representative agreed, but they still called everyday none stop even on the weekends early in the morning. I won't this company to stop violating rights with the phone calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I engaged in a consumer credit transaction with Apple Card. Apple Card sent me a adverse action letter that violated my rights pursuant to ( 15 U.S.C. 1691-1691f ) that stated XXXX XXXX XXXX is still reporting a bankruptcy / derogatory public record on my consumer credit report. I have tried to dispute the accuracy of this matter with XXXX several times and the derogatory public record is still on my report. Due to the inaccurate credit reporting, XXXX is directly impairing the efficiency of the banking system pursuant to ( 15 USC 1681 ( a ) ) which is essential to the continued functioning of the banking system. XXXX have ASSUMED a vital role in assembling and evaluating consumer credit and other information on me pursuant to ( 15 USC 1681 ( a ) ( 3 ) ) and have violated my right to privacy pursuant to ( 15 USC 1681 ( a ) ( 4 ) ). Please help me rectify this matter as XXXX have continued to diminish the value of my consumer credit report.
Product: Credit reporting or other personal consumer reports

The Family Educational Rights and Privacy act ( FERPA ) which protects the privacy of student education records, 20 USC 1232g ( b ) Release of education records ; parental consent requirement ; exceptions ; compliance with judicial orders and subpoenas ; audit and evaluation of federally-supported education programs ; recordkeeping which has an abundance of information about handling the releases of education records which includes transaction history - including loan amount. XXXX, XXXX nor XXXX is suppose to have this information. I did not consent, I do not consent. and the Privacy Act of 1974 Covers this non public information as well from be given to 3rd parties and or non affiliates.
Product: Credit reporting or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate accounts in my file. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : 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 writing to file a formal complaint against Experian for violations of the Fair Credit Reporting Act ( FCRA ). Despite numerous attempts to dispute inaccuracies on my credit report, specifically related to the reporting of XXXX and late payments on accounts with XXXX, XXXX XXXX, and XXXX XXXX XXXX, Experian has failed to provide a fair investigation and transparent explanation of the verification process, as required by the FCRA. 

Account Information Dispute - XXXX Account # XXXX I have disputed the presence of the XXXX account on my consumer report multiple times. Experian claims to have verified the accuracy of this account, yet I have not received any satisfactory response detailing the steps taken to verify its accuracy. Pursuant to the FCRA, I am entitled to a clear and comprehensive explanation of the verification process and the basis on which XXXX was reinserted on my consumer report. 

Late Payments Dispute XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Additionally, I have raised concerns about the late payments posted on my accounts with XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have specifically requested information about the verification process in accordance with the FCRA. Experian has not provided any adequate response or documentation regarding the investigation into the accuracy of these late payments. 
I am seeking the following information : XXXX. XXXX Process : A detailed explanation of the verification process undertaken by Experian concerning the XXXX account and late payments on the mentioned accounts. 
XXXX. Documentation : Copies of any documents, communications, or other evidence used in the verification process for the XXXX account and late payments. 
XXXX. FCRA Compliance : Confirmation that Experian adhered to the requirements of the FCRA during the verification process and an explanation of how they ensured a fair and accurate investigation. 
I believe that Experian 's failure to provide a satisfactory response violates my rights under the FCRA, which grants consumers the right to dispute inaccuracies on their credit reports and receive a fair and transparent investigation. 
I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure compliance with the FCRA. I appreciate your attention to this serious matter and look forward to a resolution that upholds the rights of consumers.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concern regarding Zelles handling of disputes, particularly in 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 the lost funds was impossible and that tracking these transactions was infeasible. The CFPBs findings indicate that Zelle has not only neglected to protect users but also has allowed repeat offenders to exploit the system, leaving users vulnerable to scams.
Product: Credit card or prepaid card

On XX/XX/XXXX, my debit card was hacked and someone stole {$1000.00} from my unemployment account. The way I found out is that I went to the Bank of America ATM that morning and tried to withdraw a small amount of money, and a message popped up on the screen and it said " Maximum Daily Withdrawal Limit Reached '' I checked my online banking and I saw " two '' {$500.00} withdrawals that morning on XX/XX/XXXX. These transactions were unauthorized, illegal, and fraudulent. I called the fraud department and reported the illegal transactions. They said it would be resolved in a few days after they finish their investigation. I would either get my money back or a letter in the mail. 

After I reported the fraudulent withdrawals, Bank of America in Conjunction With Maryland Unemployment froze my account, and I just received access back to my account on XX/XX/XXXX. So 5 weeks with no unemployment  funds. 

About a week later from XX/XX/XXXX I received a letter from Bank of America, and it stated that " my claim has been closed because we believe the account or the claim has been subject of fraud or suspicious activity. '' It does not make sense to me, because they have to refund my money if a fraudulent transaction takes place, but they refused to do so. 

But the part that is making me suspicious that they did not look into the matter is because the letter they sent me was dated XX/XX/XXXX. So they took less than 24 hours to do a full investigation on the issue after I reported it on XX/XX/XXXX. 

I called the fraud department to reopen my claim, but they refused to do so because my account was frozen, and they said once it is unfrozen, I could reopen my claim again to get my {$1000.00} back. 

My account became unfrozen on XX/XX/XXXX, and I submitted a letter today to Bank of America on XX/XX/XXXX explaining my case with proof and evidence that my debit card was hacked. 

I'm hoping that you can help me get my {$1000.00} back because this is not fair. I am the victim and I am getting punished. There has been a lot of fraud and scams since the pandemic started and it affecting a lot of people 's lives and unfortunately, I got caught up in it. 

I know for a fact that the Bank of America is required by law to repay customers if their account had fraudulent transactions. Please let me know if I am wrong. 

Thanks for your help
Product: Credit reporting

TransUnion is reporting a judgement that does not belong to me. I am being violated and I do not approve of this violation. I was forced to pay {$1300.00} to settle this debt that did not belong to me and in order to remove this derogatory item and STILL TransUnion refuses to remove it after XXXX and XXXX has both removed this fraudulent item. My entire correspondence with TransUnion has been through certified mail for the last several months.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called both companies to let them know I was not the one inquiring about airline credit cards and needed it disputed. I was let known I was not in their system and they could do nothing to help even though it was on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a ftc report because I found inaccurate accounts on my credit report and nobody is helping me.
Product: Checking or savings account

I filed a claim ( claim ID : XXXX ) for a purchase at XXXX that was cancelled and supposed to be refunded back to the same method of payment ( which was my card ending in XXXX ). 

Chase initially gave me the money back, but later reversed the claim because XXXX sent them a proof of purchase. 

I did not dispute the proof of purchase, I disputed that the refund was never put back on my card. XXXX charged me for a service XXXX XXXX XXXX XXXX ) that was cancelled because of not having a valid ID. 

I paid {$2500.00} plus a {$16.00} service fee to XXXX, and received no service.
Product: Vehicle loan or lease

MB FIN SVCS XXXX My name is XXXX XXXX and i am not a third party. This company never sent me my bill for XX/XX/2020. It was my first bill with this auto loan ever. The creditor never sent me a bill so how was I suppose to know I was supose to be making a payment? Under the FCRA if the creditor doesn't provide all documentary evidence as defined under 15 usc 44 this will result in a billing error. I asked the creditor to show proof that I received the statement and they did not provide it. They are full of XXXX and forfeit all rights to collect the payment due on that bill and can not give me a late payment on the account unless they provide the documentary evidence. If it's a billing error then the enitre amount will not be able to be collected on. 

MB FIN SVCS XXXX