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

Trying to help elderly father ( went through XXXX XXXX, had multiple XXXX, & early stages of XXXX ) get a handle on his finances ; doing so from Ohio. Approximately 1 year ago I was in Wisconsin and visited the bank so I could gain access to his accounts online from Ohio. At that time I was added as a signee to my father 's account as well as opening another checking account in my name. My father 's account has an over-draft line attached to his checking account. 

Approximately 4-6 months ago I noticed my father over-drafting his checking resulting in additional fees and increasing his over-draft line to the limit, which I was attempting to pay down. I called the bank representatives not less than 6-8 times trying to resolve the issue ; asking that the checking account decline any charges once dad 's account hit XXXX. Doing this would have allowed me to slowly pay down his over-draft line over time and help dad get a better hold on his spending. 

Fast forward to the end of XXXX ... my father over-drafted 5 transactions from to a Wisconsin business. Since the business tried to re-deposit the transactions multiple times it has caused bank over-draft fees of {$610.00}. The bank refunded {$77.00} ( {$7.00} per day over-drafted ) in fees. When I called and spoke to the manager asking for additional help ( since I had reached out months earlier looking for solutions only to be turned away ) her response to me was that's all she could do. As a follow-up I called the district manager to seek additional help. He told me that he would review with bank manager and get back to me the next day. 3 days later after not hearing back, I again called him back and left message. A few hours the same day I received a call back from the bank manager stating there is nothing further they can do to help, stating ; " if the bank refunded all the over-draft fees they would be out of business ''. 

Then on Saturday XX/XX/18 I received an over-night ( Sat delivery ) that the bank has closed the accounts ( accepting credits only ) and wants the over-draft protection line ( {$1000.00} balance ) paid off in 1 week 's time or they will send to collections. 

I'm trying to find out if I'm liable at all for the overdraft protection line since I'm a " signee '' on my father 's account. I would not think I'd be liable for those dollars. We're willing to work on paying the account off over time, but seeking help with some of the additional fees that were slapped on my father. He is on a fixed income of $ XXXX  monthly which obviously doesn't go very far.
Product: Mortgage

My mortgage was recently transferred from XXXX XXXX XXXX to XXXX XXXX. The new mortgage provider does states that my loan payments were not up to date and requesting an extra payment. Unfortunately, despite multiple attempts, I have not been able to resolve the issue with the company. 

Name of Company : XXXX XXXX  Date of transfer of Mortgage : XX/XX/2022 Amount : {$4000.00}
Product: Checking or savings account

I have been trying to correct my Bank of America Preferred Rewards balance since XX/XX/XXXX of last year. On five different occasions ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX starting with the local branch manager ) I contacted Bank of America or XXXX XXXX  regarding the 3-month average combined balance which does not reflect what is posted in all accounts. This is important because I plan to reduce the amount in my bank accounts which will place me in a lower tier or possibly out of the Preferred Rewards program. However, if the proper amount was disclosed I would easily qualify for Platinum Honors after withdrawing from my accounts. 

I received an email last year stating that I had been upgraded to the top tier in the program-see attached email. OnXX/XX/XXXX I contacted the Rewards group again explaining the tier was not in question but the combined balance was the problem. The program representative I spoke with created a case number, # XXXX. He verified my contact information and assured me I would be contacted by XX/XX/XXXX. Today is XX/XX/XXXX and I have not heard from anyone. 

The Bank of America accounts ( checking, money market, CD ) and the XXXX XXXX/XXXX XXXX account ( several stocks ) have been linked. Currently the sum of all accounts is approximately four times what is documented in the Rewards program substantially above the top tier. It appears that combining the banking and investment amounts is not in the equation. This is disconcerting because the bank is going to start a monthly maintenance fee for checking accounts if the rewards balance is not met. 

Bank of America 's apathy in the matter considering what I have on account is insulting. Any help in resolving this issue would be appreciated. Thank you
Product: Credit reporting or other personal consumer reports

I disagree with the account listed bellow which still appears on my credit report, even after your investigation. I would this immediately re-investigated. the inaccuracies are highly injurious to my credit score. 


XXXX : XXXX XXXX, account number XXXX EQUIFAX : XXXX XXXX, account number XXXX in accordance with The Fair Credit Report Act, Public law 91-506, Title VI, Section 611.

Please provide the names business addresses of each individual with whom you verified above so that I may follow up. Please send me an updated copy of my credit report after your investigation.
Product: Debt collection

I am writing to express my frustration with your bureau 's inaction in removing fraudulent accounts from my credit report. Despite confirming the fraudulent nature of these accounts with associated banks, your bureau seems to be disregarding my requests, while XXXX and XXXX have already removed them. XXXX and XXXX identified errors and swiftly removed these accounts, yet your bureau insists on their validity. This is inaccurate, erroneous, incomplete, or unverifiable. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention an issue regarding the reporting of late payments on my credit report by the credit bureaus for an account that was discharged in bankruptcy. 

XXXX Account # XXXX According to the Fair Credit Reporting Act ( FCRA ), any debts discharged in bankruptcy should not be reported as late or delinquent. It is my understanding that once an account is discharged, all negative reporting related to that account should cease. However, despite this, I have seen multiple entries indicating late payments, which is adversely affecting my credit score and financial standing. 

I have attempted to resolve this issue directly with the credit bureau in question by disputing the inaccurate information. However, my disputes have not yielded any positive results, and the erroneous late payment entries remain on my credit report. This situation is causing me undue stress and hindering my ability to regain my financial stability post-bankruptcy. 

I kindly request that the CFPB investigate this matter and provide guidance on how to rectify these inaccuracies. It is crucial for consumers like myself to have accurate credit reporting, especially after going through the challenging process of bankruptcy. 

Thank you for your attention to this matter. I look forward to your response and any assistance you can provide in resolving this issue.
Product: Credit card or prepaid card

My name is XXXX XXXX and I am resident of California. On XXXX I made an online reservation for a car rental with XXXX and prepaid the full amount of {$480.00} through my Costco Citi Visa card. Upon arriving in XXXX XXXX I proceeded to XXXX rental office and was told that they could not find my reservation even though I had a hard copy with me. They made a new contract and upon returning the car on XXXX they charged my credit card the full rental value of {$510.00} without crediting me for the prepayment that I had already made. I contacted my credit card company on XXXX disputing the prepaid amount of {$480.00} as the rental car company had billed me for the full amount disregarding the prepayment. I have provided my credit card company all documentation supporting my claim and after almost 4 months and numerous calls they still refuse to credit my account for the prepayment.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of a data breach that has resulted in fraudulent accounts being reported on my credit file. Pursuant to 15 USC 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ), I am requesting the immediate blocking and deletion of the following fraudulent account from my credit report. 
Fraudulent Account to Be Deleted : Creditor Name : XXXX Account Number : XXXX Date Opened : XX/XX/year> Balance : {$1000.00}
Product: Debt collection

I contacted the company asset recovery solutions llc XXXX XXXX XXXX XXXX XXXX XXXX XXXX il XXXX. I owed university of XXXX tuition, i had lost my financial aid. I made a settlement and payment agreement with them. I paid {$300.00} down on XXXX XXXX, XXXX. Then {$95.00} bi-weekly when i got paid would be debited out of my account until XXXX. this was done, so i believed the debt was paid i recieved no calls, emails, or letters saying otherwise. This was also removed from my credit report. I recently tried to re-enroll in university of XXXX and was told i still owed them and it went to another agency. i contacted XXXX XXXX, they said a payment didnt come out so they sold my debt. i was never notified and tey kept debiting my account for the remainder of the payments. they state that a payment in XXXX did not post. I know that they have to contact me when selling my debt, they did not. they kept debiting my account and never let me know a payment was missed until i contacted them when i couldnt re-enroll in college. they sent me documents about my settlement and my payment reciepts i am attaching them. thank you. 
sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX : Account Number : XXXX : Balance : {$2500.00} Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX  : Account Number : XXXX  : Balance : {$180.00} Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX  : Account Number : XXXX : Balance : {$88.00} Account Name : XXXX : Account Number : XXXX : Balance : {$920.00} Account Name : XXXX XXXX : Account Number : XXXX : Balance : {$830.00} Account Name : XXXX XXXX : Account Number : XXXX : Balance : {$2900.00} Account Name : XXXX XXXX XXXX  : Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX : Balance : {$350.00} Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX : Balance : {$10000.00} Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX  : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX : Balance : {$11000.00} Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX : Balance : {$13000.00} Account Name : XXXX XXXX XXXX Account Number : XXXX : Balance : {$2900.00} Account Name : XXXX : Account Number : XXXX : Balance : {$15000.00} Account Name : XXXX : Account Number : XXXX : Balance : {$24000.00} Account Name : XXXX XXXX XXXX : Account Number : XXXX : Balance : {$81.00} Unauthorized Inquiries : 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 XXXXXX/XX/XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/year> {$290.00} was sent for XXXX XXXX XXXX XXXX via Zelle. I reached out to XXXX again for XXXX XXXX XXXXs she advertised on XXXX page XXXX, funds totally XXXX was sent to XXXX and no services was rendered. That's when she make me someone else card information and name, red flag when up and when I asked her she told me, she thought I knew she was dealing with stolen identity financial information and that's how transactions was being made. 

When I reached out to XXXX and requested that funding be returned due to fraud, they mentioned that it was nothing they could do. Transaction was final. Hotel that I stayed at later contacted me and informed me that card that was used in XXXX to book my hotel stay, transaction was being disputed due to stolen identity. 

XXXX is still online advertising half-off prices on purchase using stolen identity and training other now to do the same.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been contacting Experian explaining to them that they are reporting things that absolutely do not belong to me. I have told them over & over & over again that this information that they continue to keep on my report is fraud information. The account for XXXX XXXX, XXXX XXXX, XXXX XXXX & XXXX XXXX XXXX XXXX do not belong to me & I did not apply for these accounts. I have sent several police reports & the identity theft reports and they still report fraud information along with address information that I have never lived at. I have never lived at XXXX XXXX XXXX XXXX XXXX, IL XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022 we reached out to XXXX  XXXX XXXX XXXX XXXX XXXX in regards to an auto claim with a loss date of XX/XX/2022. We received notice from XXXX on XX/XX/2022 a copy of the repair check, showing it was 'cashed ' through direct deposit without the signature or authorization from XXXX XXXX XXXX XXXX XXXX completed an affidavit of forgery and filed that with XXXX XXXX XXXX on XX/XX/2022. We were informed that the documents were submitted to XXXX XXXX XXXX accounting department. Since that date, we have not received response from XXXX XXXX in regards to our forgery claim and they will not return our phone calls or respond to our emails.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure the maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please remove the late dates from this account : XXXX XXXX XXXX
Product: Credit card

I applied for bread cashback credit card because i got an offer in the mail. The application went smooth, i give it that, but the experience after the application is absolutely horror, i remember the screen said i didnt have to wait until the card comes as i can use virtual credit card, great. But when i clicked the button? it said something went wrong. Few days later, i received an email saying that i can add the card on my XXXX XXXX, so i did that, but i needed to call in to activate the card. So, i called and spoke with the rep, i answered questions to verify my identity to the rep, and even after the rep verified my identity, the rep said " oops no we cant activate the card. '' Another time wasted, i know the call was recorded, go ahead listen to it. Then today i received a letter from you saying you cant verify my identity and i need to mail information that can verify my identity. Wow! Great job whoever is at the backend, i have XXXX credit score, XXXX derogatory marks, never once missed a payment, and XXXX active credit cards. By far, bread cashback is the worst XXXX awful credit card i have experience with. No, i will not mail my identity just to some random address you sent me to whoever incompetent employee at the receiving end that could steal my identity and waste my time again and again. Lets save ourselves times and feel free to cancel the card and close the account. I also would like to complaint because of applying for the credit card, my scores tanked by a several points and it would have been fine if i could use the card, but now not only my scores tanked, i cant even use the card. Businesses like Comenity should be fined by CFPB for wasting consumers times just to teach them a lesson for other institutions not to waste people time.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( Block , Inc. ) due to inadequate customer services and unfair practices which violate the Customer Financial Protection Act ( CFPA ). Specifically Cash App failed to take timely and effective measures to prevent and address fraud in their platform, leaving my account vulnerable and unprotected. Furthermore their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Transfer Funds Act ( ETFA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute to Transunion on XX/XX/XXXX and have gotten any response from the company and these inaccuracies are seriously harming my credit with my Credit score being 4. 

XXXX Account # XXXX This account is inaccurately reporting multiple different information across all three credit bureaus. 

XXXX  - Date Opened XX/XX/XXXX with a Balance Owed of {$29000.00} with a Past Due of {$19000.00} with a payment of {$1100.00} on XX/XX/XXXX. 
Payment Status Late 120 days with account rating Open XXXX - Date Opened XX/XX/XXXX with a Balance Owed of {$29000.00} with a Past Due of {$19000.00} with a payment of {$0.00} on XX/XX/XXXX. 
Collection account with account rating closed TransUnion - Date Opened XX/XX/XXXX with a Balance Owed of {$29000.00} with a Past Due of {$28000.00} with the date of last payment of {$0.00} on XX/XX/XXXX. 
Collection account with account rating closed These are not small inaccuracies and are causing some serious harm to my credit score when you are reporting a much higher past due and balanced owed and no correct payments. My credit score is 4 with your company and now I know why? 

This account is inaccurate and needs to be deleted immediately. 

XXXX XXXX XXXX XXXX Balance {$690.00} This account was never verified after multiple attempts to reach XXXX XXXX XXXX , XXXX XXXX and ended up filing a CFPB complaint # XXXX-XXXX for no response from the collection agency. Where they have responded on XX/XX/XXXX that they will suspend all collection attempts and return them to the original creditor. You will find the copy of their response in this envelope. 

The Collection agency agreed to suspend all collections attempts and remove this account. Please delete this account immediately. 

XXXX XXXX XXXX XXXX Balance {$1000.00} This account was never verified after multiple attempts to reach XXXX XXXX XXXX , XXXX directly and ended up filing a CFPB complaint # XXXX for no response from the collection agency. Where they have responded on XX/XX/XXXX that they will suspend all collection attempts and return them to the original creditor. You will find the copy of their response in this envelope. 

Collection agency agreed to suspend all collections attempts and remove this account. Please delete this account immediately.
Product: Debt collection

The collection agency did not provide me with an understandable explanation of the amount they claim is owed. They have placed the account on my credit report as disputed, but it still affected my credit score. No resolution has been met.
Product: Student loan

My name is XXXX XXXX and I have been a navient / sallie mae customer since XX/XX/XXXX. I graduated in XX/XX/XXXX and have made all my payments for 12 years straight up to XX/XX/XXXX with over 90,000 dollars of interest.

The original principal on the loans ( 6 separately scams ) were XXXX + capitalized interest at the tune of XXXX dollars in XXXX but that's separate from why I'm writing you.

I lost my job in XX/XX/XXXX and have received harrassing phone calls from the company at the tune of 20+ calls a day for the last 9 months.

I have read about suits being awarded individuals who have received 300+ phone calls from this company in a matter of weeks. We are getting about x18 the amount of calls from them.

Additionally they have ruined my XXXX credit rating and taken every dollar I've had left.

If you have time to speak or think you could help in any way please reply to this email.

My number is # # # # # # and will have a cell phone soon since I was lucky to land 2 jobs. I'm trying to avoid going through this for another 12 years since I was rarely unemployed and very credit worthy before their ruins. There is about 65k left on the loans so we basically got nowhere after their games the last 9 months.

I'll be obtaining a call log from XXXX since they use 5-6 numbers to call me roughly every hour, sometimes twice an hour.

Thanks so much for your consideration Navient is the servicer and they are private variable rate loans since no one wants the debt or co sign liability.
Product: Debt collection

I paid XXXX credit card debts that originated from Wells Fargo. 
Due to hardship both credit card accounts were later passed off to a collection group called XXXX, XXXX. This collection agency hired a law firm named XXXX XXXX XXXX who filed a civil suit for settlement amounts and both accounts were paid in XXXX of 2012. Recently it was discovered that XXXX, XXXX never reported the debts paid. If I had not kept my receipts all of these years I believe that I would struggling to prove the debts were paid. These debts were paid four years and because XXXX did not promptly report this that it greatly affected my credit. 
If I had not kept my receipts it would have been my word against them and I am certain that these debts would have showed up again for collection down the road.