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

There can be no excuse for inumeracy at any bank! Personnel must be able to do such simple arithmetic such as subtracting my birthday year from XX/XX/2019 to determine my age! 

I was asked my birthday yesterday by a Charles Schwab Bank client advocate. I gave him the date! He then incredibly asked for my age! This went in three ( 3 ) until I finally hung up in disgust! 

The unauthorized charge by XXXX for {$75.00} on XX/XX/2019 was, therefore, not placed in dispute by this bank! 

How can I or anyone else for that matter trust a bank whose personnel can not subtract the birth year from the current year to determine my age? I can not! 

How can the USA maintain its position in the world when bank personnel do NOT know how to do subtraction? The XXXX ranks Americans among the most mathematically illiterate people in the developed world!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX and not a credit repair company -Bankruptcy chapter XXXX XXXX U.S. Bankruptcy Court XX/XX/XXXX -Bankruptcy chapter XXXX XXXX XXXX bankruptcy court XX/XX/XXXX, I have asked more than 3x for a response as to how this information was verified and whom did they speak to? I have submitted proof from the Us Babkruptcy court stating they do not furnish bankruptcy, judgments or liens to the credit bureaus. The FCRA states " I have the right to a complete and accurate credit report, and any errors must be deleted. 
I have exhausted my options with no result. 

-Original creditor XXXX XX/XX/XXXX {$170.00}, The fcra states I have the right to a accurate and complete credit report. This account on my credit report is inaccurate and has incomplete information as to whom the creditor is, which makes this account inaccurate. I have demanded that this account be removed from my credit report because it has caused unwanted derogatory marks, causing my creditor score to be lower. 

-Capital XXXX XXXX XXXX XX/XX/XXXX This account has reported inaccuracies and i demanded it be deleted. The open dates has XX/XX/XXXX transunion, XX/XX/XXXX experian, XX/XX/XXXX equifax which shows different opening dates which are inaccurate, XXXX reports no data for the history of payments, XXXX reports the account being charged off, Equifax reports the account as OK. There can not be 3 different reports for the same account. The reporting data has must to match to be accurate. Thus making this account inaccurate and I demand that this be deleted. 

XXXX Bank XXXX XX/XX/XXXX this account is reporting inaccurate date to my credit report and causing derogatory marks, which in turn is lowering my credit score. 
You are report my account as charged off. XXXX is reporting this account with no data. XXXX is reporting as charged- off and equifax is reporting as OK. All 3 credit bureaus must rert accurate data. XXXX, XXXX and equifax can not report different payment data. It has to match. The date of last activity is different from transunion XX/XX/XXXX, XXXX XX/XX/XXXX, Equifax XX/XX/XXXX. The correct opening date can not be determined because it does not match, therefore this is inaccurate. I demand that it be removed from my credit report.
Product: Credit reporting or other personal consumer reports

I am submitting this dispute regarding the following negative items on my credit report : XXXX  - XXXX - {$140.00} XXXX  XXXX - XXXX - {$2100.00} These entries remain unverified and raise serious concerns about their accuracy. I have made multiple attempts to resolve these discrepancies by submitting disputes and providing supporting documents, yet no corrective action has been taken. This lack of resolution has negatively impacted my financial stability and taken a significant toll on my overall health. The ongoing stress caused by these unresolved issues has made it difficult to focus on daily responsibilities. 

As stated in the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report free of inaccurate or unverified information. I request a thorough investigation and prompt resolution of these matters to ensure compliance with federal regulations.
Product: Checking or savings account

I had a checking and savings account, I was receiving direct deposit from my employer every week. My account started to have money missing and appearing deposit under different accounts then disappearing our of the account I called and complained to Wells Fargo that I suspected fraudulent stuff going on. 
Wells Fargo investigated the account closed it then send me a letter say I owe XXXX. I looked over what the XXXX and most of it accumulated from Wells Fargo fees.
Product: Credit card or prepaid card

On XX/XX/XXXX, I was in XXXX, XXXX and made a purchase with my Bank of America credit card there using the chip.

On XX/XX/XXXX, I received a notification from BofA that they suspected fraud on my account. I immediately called BofA and they notified me that three charges had been made to my card on XX/XX/XXXX in XXXX XXXX, XXXX XXXX. ( I later found out that one of these charges had been made within 55 minutes of the time that I used my card in XXXX, XXXX. ) I confirmed to BofA that my card was in my possession and that the three charges in XXXX XXXX   were in fact fraudulent. BofA issued me a statement credit.

On MXX/XX/XXXX, I logged on to my BofA online banking and noticed for the first time that the credits BofA had issued me for the three fraudulent charges had been reversed on XX/XX/XXXX I immediately called BofA to find out why, and was told that they reversed the charges because their internal investigation had revealed that my chip was used in the three XXXX XXXX charges so I would be liable. The person I spoke with indicated that BofA 's position is that it is impossible to counterfit a chip. At this time, I explained that on XX/XX/XXXX I was in XXXX  and had my card with me and had in fact used it in XXXX on that day. I asked the representative to pull the time stamp of the charges and he at that time confirmed that he was able to verify that my chip was also used in XXXX onXX/XX/XXXX and that the charge in XXXX, XXXX and one of the charges in XXXX XXXX were made within 55 minutes of each other. I explained that with air travel it takes over 3 hours to get from XXXX XXXX to XXXX, and that it is not possible for my card to have been used in XXXX XXXX 55 minutes from the time it was used in XXXX, XXXX. The representative said he would ask for the investigation to be reopened and for the fraud dispute credits to be reissued in the interim while it was being reinvestigated.

On XX/XX/XXXX I logged back on to my BofA online banking and the fraud credits had not been reissued. I called again and spoke to BofA who confirmed the fraud credits had not be reissued. The dispute department was unable to help me on my call.

Unless the laws of physics do not apply to Bank of America 's chip cards, my card was not in both XXXX and XXXX XXXX within 55 minutes. Either ( i ) the chip in my card was counterfit, in which case Bank of America ( and other US card issuers ) have a big problem on their hands that they should be working to solve ; or ( ii ) BofA is lying to me ( either intentionally or because their investigation was performed negligently or incompetently ) when BofA tells me that my chip was used in the three fraudulent XXXX XXXX transactions. The credit for the fraudulent charges should be reissued to my account.
Product: Credit card or prepaid card

I applied for a Discover Balance transfer to pay off my XXXX account of {$18000.00}. 
Never got ANY KIND OF ACKNOWLEDGEMENT OR REPSPONSE -- So I applied to XXXX  XXXX XXXX for the same thing. 

I got an immediate answer from XXXX and the transfer to XXXX for {$18000.00} happened on XX/XX/2019. I got a statement and started paying XXXX last month. 

Last week I got a statement from DISCOVER for {$18000.00} I called XXXX and they said I needed to call XXXX to have THEM send the money back. So I called XXXX who said I needed to call Discover back and have them cancel the transfer. 

So I called Discover back today and spoke with a supervisor. She said they are not able to cancel the transaction because it was done on line NOR could they credit me the {$540.00}. We all know this is bull. 

SO now, have 2 - {$18000.00} balances needing a payments made to and no one to help me. 
NO ONE should be allowed to do this without any kind of confirmation, which I asked them for but they do not have. 
I think Discover CAN cancel this transaction but they refuse. I am XXXX years old and feel they are taking advantage of a senior citizen. 

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

The original Creditor has reported to the credit bureau by 2 different names : XXXX XXXX XXXX and XXXX XXXX. the date I voluntarily surrendered the vehicle due to not even having it less than 6 months and had an electrical issue first and then an air conditioning issue. The debt originated XXXX and should have long been removed in XXXX. I have disputed this numerous times with Experian only for them to continue to deny my request to have it removed and they update my credit report which remains in my dispute. I have disputed this same company with XXXX and XXXX as well. 

PER Nevada Statute : In Nevada, debts based on verbal contracts, agreements made orally for the purchase of goods or services, have a statute of limitations of 4 years while written contracts have a 6 year limitation period.
Product: Credit reporting or other personal consumer reports

I received my full credit report as of XX/XX/XXXX, I notice inconsistent reporting regarding a late payment on all three credit reports. 

Experian : XXXX XXXX XXXX Reporting a missed payment as of XX/XX/XXXX with account being open XX/XX/XXXX XXXX : XXXX account XXXX XXXX Reporting a missed payment as of XX/XX/XXXX with account opening XX/XX/XXXX XXXX : XXXX XXXX Reporting a missed payment as of XX/XX/XXXX with being open XX/XX/XXXX I will provide screenshots of the inconsistent reporting showing on my reports, Prior to my review of my credit report I informed the credit company that I have been injured at work which my income as been placed on hold due to not being able to work due to the injury which is reason for missed payment, I asked for options of hardship to avoid the negative reporting I was advised no process in place for this type of issue I was informed to get the payment in as soon as possible, I was advised the payments will still be reported, Reviewing my reports it shows the reporting of this late payment is inconsistent between the XXXX reports. I am aware all reporting has to correct and accurate at all times
Product: Mortgage

Over the past ten years there have been two lawsuits naming me as defendant in a Foreclosure action for a property that I do not own and for a debt that is not mine. The first lawsuit was dismissed by XXXX after I had spent thousands of dollars in legal fees for representation. Years later in XX/XX/XXXX a new bank, XXXX that has assumed the mortgage named me again in another lawsuit regarding the mortgage. I contested this lawsuit and received notice from the Judge that I am not responsible for the debt. I continue to be harassed by the lawyers representing this lawsuit ( Phelan Hallinan Diamond & Jones ) demanding payment for a debt that the Court has stated is not mine. I clearly do not own the property being foreclosed on, I do n't live there and I have no interest in it. I am named in this foreclosure action erroneously and continue to be harassed for a debt that I am not financially responsible for paying.
Product: Credit card or prepaid card

On XXXX we ordered cbd dummies for {$49.00}. They sent us four bottles for {$110.00}. We returned all bottles unopened within 30 day allotment time. We filed complaint with Capital one they removed charges. We sent them proof of return to their link. Then they re-charged us saying we had exceeded 60 day reply. the items were returned on. the XXXX of XXXX We want the charges removed from our account. WE also talked to the vendor and they told us once there was a dispute they closed our account
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans union reporting agency failed to remove unauthorized inquiries on my report and I informed them they were fraudulent. They are unlawfully and illegally reporting inaccuracies and when I informed them to remove them they told me I had to file a report with FTC which directed me to CFPB. I need the company to remove the inaccurate information they are reporting Ive tried to file disputes over the phone they refused to do so I tried to file it online and it would not let me kept getting an error message to call instead and when calling they still refused to remove the fraudulent info
Product: Student loan

Beginning, Of this year XXXX I Started Checking on my personal credit. Upon Requesting a annual credit report, I discovered numerous negative derogatory reporting on my personal credit report. It was clear to me that someone committed fraud by using my name and personal information without my knowledge and authorization to obtain three separate student loans in the amounts of {$44000.00} XXXX, {$30000.00} DatedXXXX, {$10000.00} Dated : XX/XX/XXXX. All Unauthorized, Unrecognized, And Unknown. I immediately contacted the company NAVIENT I spoke to several Acct. managers and informed them that my name and information has been compromised by fraudulent activity and this loan was not authorized by me. They didn't seem to be concerned about my alert to the fraud. I requested proof of all signatures and documents They sent me a fraud package to fill out and return back to there fraud department and wait for a response. After, receiving there bogus false loan documents with Someone else name on the documents with other information on the person crossed out I was furious. I made numerous back and forward heated calls with this company it was apparent that they had no clear intention on assisting me with my issue. They where only using the opportunity to communicate to just collect as much information in conjunction to what the already had to only use it to update there system. My fraud report fell on deaf ears.
Product: Debt collection

XXXX XXXX XXXX  has incorrect information on my XXXX, XXXX and XXXX  credit reports. This incorrect information is hurting my credit score and my ability to get a home mortgage.
Product: Debt collection

I have been contacting them numerous times to advise them that I demand a cease and desist against an out of statute debt. They repeatedly send me letters that do not offer the validation of debt miranda nor the mini miranda. I have told them they are in violation of the FDCPA and to cease communication. The last letter I got from them said that even though they are a 3rd party collection agency they are not subject to FDCPA rules and regulations because it is a government fine they are trying to collect. They have changed the structure of my cease and desist of an out of statute debt to show that I am asking for validation of debt which I am not. Again they keep stating they are not subject to FDCPA rules and regulations. Even after the cease and desist they have continued to mail me Dunning letters.
Product: Debt collection

I was evicted in XXXX for paying my rent late. It was at XXXX XXXX. Public housing. The time that I lived there the Apt had mildew and the XXXX did nothing about it. I was late on my rent XXXX  times. Each time they put an eviction notice on my door. The first XXXX I payed my rent and was allowed to pay. That is on my credit report. XXXXXXXX XXXX XXXXXXXX is the collection agency and the time has run out to collect. They just put it back on my credit report and I want it taken off. If I contact them it will start the process over. I left a XXXX XXXX abusive relationship to live in mildew. I didnt know until I went to court that I could have filed against her to take care of it. I used legal aid and they never told me that.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted several disputes online and over the phone with Equifax regarding a hard inquiry on my credit report. All cases have been closed advising it is correct and will remain on my report for 2 years. This hard inquiry was applied by XXXX XXXX XXXX XXXX XX/XX/XXXX. I have not applied for a credit card for XXXX XXXX. I contacted XXXX XXXX on XX/XX/XXXX, first spoke to XXXX and was advised he could not locate an application to match my personal information including my SSN. I was then transferred to XXXX and was again advised there was no application or credit card opened under XXXX XXXX XXXX. I have asked XXXX XXXX XXXX  to provide me something in writing to confirm I did not apply for this card since Equifax keeps confirming I am responsible for this inquiry. I would like this removed from my credit as it dropped my score significantly after this inquiry was reported.
Product: Student loan

I have a student loan now serviced by Navient. 
Navient just sent me notice they have automatically decreased my payment amount by half -- this is without my consent. 
In effect, Navient is trying to double the length of my repayment AND charge me the related interest. 
Navient offers no way for me to manage the payment amount through their web site or through their automated phone system. I can LOWER my payment through these automated systems, but I can not restore my original, higher payment amount.
Product: Debt collection

I received a call on   XX/XX/XXXX  for th e first time from an "  XXXX   XXXX  '' who states he represent s Bowen and Associates  (  XXXX  ) stating my husbands company owes his client {$5300.00}, very antagonistic, making personal attacks, would not answer any of my questions explained to him I didnt have anything to do with the company and asked if he had called my husband. I thought it was a scam.Then he called my work number and did the same thing on my work number ( I work at an   XXXX   XXXX   ). Since my husband nor I knew anything about this debt ( it seems to be related to my deceased father in laws  XXXX  that my husband took over ), we started looking into it.  XXXX   XXXX  called my   XXXX   s  tating he was coming to serve me papers ( he is located in Tx and not Ga  ) and told her information about the debt. He also told me he would be coming to  my house to take pictures of it and to my work. He was instructed not to come to either location. He was also instructed not to call my work number.  Hes  continued to call and leave harassing messages on both my husbands and my cell numbers and my work number ( I have recordings of the antagonistic and degrading calls ) Last night he called the  XXXX  late in the evening and my   XXXX   answered and he represented himself saying that I had " hit his truck last week and owed him money '', my husband is looking into the debt with the actual company he states we owe it to and is working to make arrangements ( even though it was a debt related to his dads estate and when he was running the company ) and has informed  XXXX   XXXX  of this and asked him to stop calling, I 've called and made a police report as requested by my  XXXX /employer because they are concerned about the calls and him stating he is going to come to the   XXXX  . I have limited knowledge about the company, my husband has only acquired partial ownership since his fathers death and only owns   XXXX   XXXX    of it (    and, it was a ctually only  XXXX  up until last month ) - we are working to resolve this with the company we owe the debt to but it will most likely be over time.
Product: Checking or savings account

HSBC locked my checking acct. I called & they said it was because of 2 things : 1, my home phone # was changed. Well, I looked on my profile & it didn't ask for, nor did I provide a home #. Just my cell #. 
2, On XX/XX/XXXX, I got a deposit from a family friend : {$1500.00}. On XX/XX/XXXX I transferred this {$1500.00} to my other bank. They said because it was taken away, it must be fraud, when it specifically said " TRANSFER '' I have sent them an email, because they transfer me or hang up on me when I called. 
I was going to go to their branch, 20 min. away today. And first I called & the phone # was disconnected. And my GPS showed an open field & said " building missing. ''
Product: Credit reporting or other personal consumer reports

ACCT # : XXXX SSN : XXXX XXXX : XX/XX/year> ID : XXXX Address : XXXX XXXX XXXX XXXX, LA XXXX. 

Dear XXXX XXXX, I recently received a debt collection notice from your office with an account number # XXXX. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor. 2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 4. Proof that the original creditor securitized the debt. 5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. Please cease and desist from collecting on this debt until you have provided validation of the debt. Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

XX/XX/year> Dear Consumer Financial Protection Bureau, I am writing to express my extreme frustration with the persistent inaccuracies on my credit report, specifically regarding the XXXX  account with the account number XXXX. Despite multiple attempts to resolve this issue with XXXX and Equifax, the problem remains unresolved. 

The XXXX  account, which was closed on XX/XX/year>, is still being reported as open and negatively impacting my credit score. This is the fifth attempt to address this issue, and the lack of resolution is both frustrating and unacceptable. 

By continuing to report inaccurate information, XXXX and Equifax are violating the Fair Credit Reporting Act ( FCRA ). This federal law requires credit bureaus to provide accurate and timely information about consumers ' credit history. I urge the CFPB to investigate this matter and take appropriate action to hold these credit bureaus accountable for their repeated violations of the FCRA. 

It is evident that XXXX and Equifax are either incapable or unwilling to correct this error. Their negligence has caused significant financial harm and emotional distress. I believe it is imperative that these credit bureaus are held accountable for their actions. 

Recent reports have highlighted the CFPBs shortcomings in addressing consumer complaints. I hope that by filing this complaint, I can contribute to a larger effort to hold these institutions accountable and ensure that consumers rights are protected. 

I urge the CFPB to investigate this matter thoroughly and take appropriate action to compel XXXX and Equifax to correct the inaccuracies on my credit report. 

Thank you for your time and attention to this urgent matter. 

Sincerely, XXXX XXXX