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

On the XXXX day of XXXX 2017 at approximately XXXX I arrived home and spoke with my wife. My wife stated my XXXX year old daughter whom has XXXX had stayed up after she fell asleep and purchased over 60.00 dollars on XXXX merchandise. I notified XXXX and without question was refunded. I notified XXXX whom the charges went through and was notified the transactions were already sent to the bank as there were not enough funds to cover the cost. I called the Branch Banking and Trust. I notified them there were to be 10 charges on the account which would total over 50.00. I spoke with multiple individuals and was advised to contact fraud. I contacted fraud and was told it was n't fraud. I spoke with the representatives again and was told to wait till the charges hit and they would be removed. I then sent money into that account which showed in the account today. 8 of 10 charges hit the same date the funds showed available in the account. I was assessed XXXX in overdraft fees. I returned the call to BB & T and was advised they could n't remove the fees and sent me to the fraud department. Fraud started a case number and told me to go to the bank and sign the documents. I went to BB & T and signed all the documents and returned the call to BB & T. I was advised a second department receives the faxes and it would n't be resolved today. I notified the representative of the other 2 charges that has n't posted and I needed the fees reversed to cover the additional charges that were going to post. The representative with fraud stated they could n't do anything at this time. I called customer service once again and spoke with them. I was rude this time and was told they would get a manager for me. The representative returned to the call and stated the manager said he could n't do anything. I was not able to speak with the manager at that time only accept the message the manager told the representative. This is not the first time I have received an NSF fee or multiples on the same date money entered the account. I have always be advised the charges are to be deducted but the money is still pending even though I have the right to use the money that is pending. Its funny that when the money is in the account I can use it for purchases but I 'm not allowed to use it for transactions that hit the bank. This is a complete unethical practice.
Product: Credit reporting or other personal consumer reports

An unknown person and/or business fraudulently added my name without my permission as an authorized user on a CITI CARDS/CBNA credit card ( XXXX acct # XXXX ). The current balance is approximately {$12000.00} dollars. I called and reported this information together with fraudulent addresses listed on my credit report to all three credit bureaus. I also contacted CITI CARDS/CBNA ( XXXX ) to have this information removed. However, they did not have me listed on the above-mentioned account. 
It should be noted that the above account was removed by XXXX and XXXX, but XXXX dispute results stated the information was verified as accurate. THAT IS IMPOSSIBLE! I have NEVER authorized or given permission to anyone or any business to add my name as an authorized user on the above-mentioned account. Today, XX/XX/year>, I refilled a dispute with XXXX.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against EXPERIAN for Violation of 15 U.S. Code 1681i ( XXXX ) and Failure to XXXX XXXX Account XXXX Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against EXPERIAN for its repeated failure to remove inaccurate account information from my credit report following XXXX reinvestigations, which is in violation of 15 U.S. Code 1681i ( XXXX ) of the Fair Credit Reporting Act. 

Account Information : Creditor Name : XXXX XXXX XXXXXXXX Account Number : XXXX Amount : XXXX Despite providing clear evidence of the inaccuracies in the above-referenced account and requesting its removal from my credit report, EXPERIAN has failed XXXX comply with the law and has retained the inaccurate account information. 

The Fair Credit Reporting Act mandates that if a reinvestigation does not resolve a dispute, the credit bureau must delete the disputed information within XXXX business days. The repeated failure of EXPERIAN to adhere to this requirement is a clear violation of 15 U.S. Code 1681i ( XXXX ) and has caused me financial harm and distress. 

I am requesting that the Consumer Financial Protection Bureau investigate this matter and take immediate action against EXPERIAN for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate deletion of the inaccurate account information from my credit report and appropriate measures to ensure that EXPERIAN upholds its obligations under the law. 

Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in rectifying this issue. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On or about XXXX  I attempted to add my wife, son and daughter as additional card members to my American Express Gold Card. In my 27-year experience with American Express , additional card members are added immediately. In this case, however, they were not. 

I called AmEx to inquire and was told it may take a few days, but never given a reason why. 

Even two weeks later, American Express refused to add the additional card members and has refused to state why. These same individuals were additional card members previously, but I removed all additional card members when I was subject to identity theft issues. Now that I have those issues under control, I wanted to re-add them.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the 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 lost funds was impossible and that tracking these transactions were unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but 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 or other personal consumer reports

During XXXX I missed payments during a time that my grandmother was XXXX and needed my attention. I paid off all the late fees and was still charged interest afterwards and late fees until it accumulated to XXXX in the month of XXXX, payment as per my XXXX statement. I paid Commenity Bank through my checking account in XX/XX/XXXX as per my bank statement. I just checked my credit report and they are reporting that I missed that payment and owe them XXXX I called their customer service and they rep says she can't do anything about it but to wait. They won't stop charging me and they are tanking my credit report which before this whole incident used to be in the high 700s. My concern is that no matter how many times I pay them, they will continue to report delinquency.
Product: Debt collection

Professional Bureau-Collections Address : XXXX XXXX XXXX, XXXX XXXX, CO XXXX Phone : ( XXXX ) XXXX the creditor that for my student loan debt. I called in XXXX XXXX to set up a payment plan and see what I needed to do to get out of default They told me {$100.00}, and I set up a recurring payment from my checking account. I paid on time, every month for 6 months and then i recieved a letter stating that my federal taxes were being OFFSET due to non payment. I paid on time and the amount they told me to pay. I would have been paying more if i knew. I filed a complaint and asked for a hearing with XXXX XXXX XXXX XXXX, I contacted this collector and mailed in my pay stubs, my lease, copies of all my bills, social security cards and every single documentation that they could possibly need in XX/XX/XXXX, still no response. I call at least twice a week and sit on hold and then am redirected to another useless person who gives me a different response and a different way to handle this. I just want to set up the correct payment and these people have been absolutely horrible
Product: Credit card

In XXXX I reported to Capital One Credit card about a merchant in named XXXX that is charging me monthly for my childrens swim Class. My children goes to swim class 1 's a week however late last year they lost multiple swim coaches as well as the head coach all of them resigned at the same time. The swim school was struggling to accomodate all the students with only few coaches resulting to canceled classes. This has been happening for coupls of months. I called the merchant multiple times to stop my payment because we already accumulated 26 make up classes and this 26 classes cost me over {$700.00}. The merchant told me that they can not do that since they will go bankrupt if they do so. I decided to call Capital one to ask for help since the merchant is not willing to help me. I told them the whole story. I was assumi g that all i formation was entered jn the system. Then I got email from the bank asking me for report again. I thought that it was just by mistake since I have already told my story thru phone. I just ignored it. Then after few weeka I got a message from the bank saying that they denied my claim since I didn't provide the information. I called right away and ask what happened so the costumer representative send me a link where I can actually upload my detailed story again, so I did them few days after I receive a response that the clain has been denied because the date was from last year. So I told them that most of the classes that was canceled was from last year that's why I disputed the transactions from last year and not this year and they just said they can not do anything. This is so frustratiin since I have been a loyal costumer and yet they can not help me. We didn't receicve the service that we paid for and yet they keep charging me monthly. It is not my fault why they are losing employees and we shouldn't suffer because of that. If they gey bankrupt it is not my responsibility and they shouldn't ask me to pay for the service that they can not render.
Product: Debt collection

I was referred to XXXX  XXXX XXXX XXXX XXXX for care by my other doctor. Please note this was a workers compensation claim which I am not required to pay any bills the insurance pay all bills. When I received a call from the collection agency Capital Accounts I informed them that the bill was incorrect an I only owe one late fee for a missed appointment. However, Capital Accounts would not allow me to pay anything but the whole amount and sent me information to the credit agencies. I don't owe a medical bill the doctor was paid she sent me to the collection for a missed appointment.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, equifax and XXXX showing inaccurate information
Product: Debt collection

Carmax is reporting a fraudulent account to my credit report even after I contacted them, and explained that I have never had a loan through them nor have I ever purchased anything from them. I explained and showed proof that I am a victim of identity theft and that this account they are collecting on does not belong to me and needs to be immediately removed from my credit report. They refused to remove the fraudulent account from my credit report or even do anything about they fraud.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, This is a formal and final response regarding Wells Fargos continued monthly reporting of a previously charged-off and closed account. While the tradeline is marked as Closed and Charged Off, Wells Fargo continues to report the notation CO ( Charge-Off ) every single month following the original charge-off date. 

This is illegal and misleading. 

Per FCRA 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), a furnisher of information must not report information that it knows or should know is inaccurate. Updating a tradeline every month with a CO after a final charge-off has already occurred is : 1. Not required under federal law 2. Misleading to lenders and underwriters pulling the report 3. A form of re-aging and credit suppression, designed to appear as active derogatory behavior rather than a closed and resolved delinquency This practice artificially extends the impact of the original charge-off and damages my credit score by continuing to show a rolling delinquency that should not exist. It also confuses credit scoring models, making it appear as if the account is in repeated default rather than reflecting a singular event years ago. 

Retaliatory Behavior After Dispute Following my lawful dispute of this tradeline under FCRA 611, Wells Fargos behavior escalated. Their renewed monthly CO updates appear to be a direct retaliatory act, and may constitute harassment or abuse under FDCPA 15 U.S.C. 1692d, as well as a deceptive and coercive act under 1692e ( 8 ) by communicating false implications to third parties checking my report.

Credit professionals know what a Charge-Off means. It does not need to be stamped on my report every single month for the next seven years. That is not transparencythat is harassment.

Supporting Evidence I have : Prior credit reports showing the monthly CO notation The original charge-off date Legal research showing this practice violates both the FCRA and consumer protection norms Screenshots showing Wells Fargos reentry into collection after my dispute -- - Requested Action 1. Cease and desist all further monthly reporting of CO or any equivalent language following the original charge-off.

2. Correct and suppress the rolling CO notations in past monthly entries to reflect only the original charge-off date.

3. Be advised : I am fully prepared to pursue this in small claims court or higher venue and will submit the required evidence under oath. I have no doubt in the strength of my case. 



Wells Fargos conduct violates federal law, credit industry best practices, and basic decency. Let this serve as notice : I am not intimidated, and I will pursue every lawful remedy available to stop this abuse. 

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

According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 15 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting the names, addresses and telephone numbers of individuals you contacted during your investigation. After multiple disputes Equifax XXXX and XXXX Credit bureaus are currently still reporting XXXX XXXX XXXX an inaccurate account on my report such as multiple inaccurate names and addresses that are not mine, account status shows Last reported date is inaccurate, Date of Last Activity is inaccurate, Date of Last Payment is inaccurate missing data and a Collection/Charge-off reporting a balance. It is my understanding that the creditor reports the same information to all credit bureaus as expected under FCRA. Equifax, XXXX and XXXX are not practicing Metro 2 Compliance? These are clear FCRA violation and is grounds for immediate deletion. 

Under Section 611 ( 5 ) ( A ) of the FCRA they are required to " promptly DELETE all inaccurate information. ''
Product: Debt collection

I received a letter threatening to send my account to an attorney. The letter was demanding full payment without providing proof of debt owed. The letter threatend to garnish wages, bank account, and or seize property. 

My family ( Mother, Father, Spouse ) and I have been contacted by XXXX XXXX XXXX   many times and been threated with taking me to court if I do not respond within 24 hours. They have left messages on my phone which have frightened my children and my parents about a debt owed. Once these practices stopped I have received nothing until I received this letter by XXXX next day air with yet another threat to sue.
Product: Student loan

Every month to login to make the payment I have to reset it all over again.

So if my payment is due on a Saturday the auto payment system ask for two months payment and when I want to make only the payment that is currently due it will not take it and send me to customer service but they are closed.

I have complaint to them and they do nothing.

This issue happens every month and then I have to call them and have them reset my password again. This has happened 7 times
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX ACCOUNT # XXXX Treatment of inaccurate or unverifiable information. 
If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting. 

Promptly delete that item of the information from the file of the consumer, or modify the that item of information, as appropriate based on the results of the reinvestigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

A few years ag someone i=used my name and applied for various apartments in Georgia. When I found out I was instructed to go to the police department and file a report for identity theft with I did. I sent report and my credentials to the credit bureaus ( XXXX, XXXX  and TransUnion ) I called the companies and completed their paperwork as well. I later had t complete a fraud report with FTC and attach all of my paperwork to it. This is well over 4 years and I have made numerous attempts to correct this issue to no avail. The companies are XXXX XXXX ( around ( XXXX  ) and XXXX XXXX ( XXXX ). I work for a school district which I have a pension and have never had a desire to live in Georgia. One company sent me information which was a drivers license from New York which I have never had a New York drivers license. They also sent me a pay stub copy of a job a XXXX. I have never worked at XXXX. I have shared this information numerous times with all parties.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/21 Hello, my name is XXXX XXXX I had a problem with XXXX 's financial company, I was paying my car on time and they say no, I have the bank tests, confirmation numbers and documents that guarantee that I have paid correctly, they took my car early today, They give me information about the company they hired to take my car but I can not contact them, the financial company does not respond, my time, days lost from work, the exact information of where the vehicle is, my credit has been damaged and they They insist that the only thing they will do is return my car
Product: Credit reporting

I disputed with Equifax Credit Bureau however I was never able to get the results. I called and spoke with someone and they told me that they did n't have a timeframe as to how long before I 'm able to view my credit file. The lady stated they can take as long as they want too. I 've attempted to get my free annual credit report online and my access was been blocked to that site as well. Please help. Due to the various data breaches that has occurred, I 'm concerned about my credit report.
Product: Money transfer, virtual currency, or money service

RE : XXXX and BOA XXXX XXXX XXXX FROM : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX XXXX ) XXXX XXXX BOA Claim ID : XXXX and Claim ID : XXXX XXXX Claims : XXXX XXXX XXXX, XXXX, and XXXX XXXX XXXX This is an ongoing matter since XX/XX/year> XXXX These claims are incorrectly listed as Closed. They are not closed. 40 + calls to both BOA & XXXX each blames the other. 


1. XX/XX/year> I had a balance of {$2.00} in my XXXX ( XXXX  ) account. 

XXXX. XX/XX/year> My Bank of America ( BOA ) debit card was fraudulently used by XXXX to transfer {$1500.00} and {$1600.00} ( total of {$3100.00} ) from my BOA checking account to my XXXX. 

XXXX. XX/XX/year> XXXX  was used fraudulently to begin processing {$3100.00} from my XXXX  account to XXXX XXXX XXXX XXXX. ( I have NO knowledge of this bank ). 

XXXX. XX/XX/year> & XX/XX/year> Within minutes of getting a text alert, I immediately notified both XXXX  and BOA of the fraud. The XXXX  transfer was still listed as Processing or Pending. I do not know if the fraudulent transfer to XXXX XXXX XXXX XXXX was completed, but the entire {$3100.00} was debited from my XXXX account. 

XXXX. XX/XX/year> BOA credited my BOA account {$3100.00}. 

XXXX. XX/XX/year> XXXX  also credited my BOA account {$3100.00}. 

XXXX. XX/XX/year> XXXX reversed the credits : {$1500.00} and {$1600.00} ( total of {$3100.00} ) leaving me a negative balance on my XXXX account of {$3000.00} ( $ XXXX {$2.00} ). The reason given was that BOA had credited my account. 

XXXX. XX/XX/year> I sent a check ( # XXXX ) to XXXX  from BOA in the amount of {$3000.00} to cover my negative balance. The check was cashed and credited to my XXXX  account XX/XX/year>. 

XXXX. XX/XX/year> I received a notice from BOA that they were also reversing the credit of {$3100.00}. The reason given was that XXXX  had credited my account. My BOA checking account was debited XX/XX/year>. 

XXXX. I have been defrauded out of {$3100.00}. XXXX  and BOA blame each other. 


In short : - I was defrauded {$3100.00} using XXXX and my BOA debit card. 
- I was credited {$3100.00} by XXXX and credited another {$3100.00} by BOA. 
- XXXX  reversed the credit. 
- I mailed XXXX  a check for {$3000.00} ; the check was cashed. 
- BOA then reversed their credit. 
- I am left with a loss of {$3100.00} being held by either XXXX  or BOA each blames the other.