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

Like many people, my family and I have struggled for the last few months with the aftermath of the coronavirus recession. I am a single parent to XXXX kids, XXXX with XXXX XXXX, and the only other adult in my home ( my middle son ) who had a job, lost it in XXXX due to the recession and only last week began to receive UI benefits. So since the second half of XXXX, we've only had my income to live on. There have admittedly been many occasions when my checking account has been overdrawn during this time. However, I have heard that many other banks and financial institutions have been willing to waive fees due to overdrafts, because of the extraordinary circumstances. XXXX, however, has done very little to help, despite my call to customer service on XX/XX/XXXX, followed by my call to my local branch manager on XX/XX/XXXX, asking for some consideration, Since XXXX, I have been charged {$3600.00} in overdraft fees. The best that either of them could do for me was to forgive a total of 14 of them ( {$490.00} ). In fact, what prompted me to call on that particular date was that my paycheck was due to be direct deposited on the XX/XX/XXXX, and my account was overdrawn by more than the total amount of my paycheck- in other words, as soon as my paycheck was deposited, the bank would take all of it for NSF XXXX That happened, anyway, even after the forgiveness, and still the account was overdrawn by {$75.00}. I have now stopped direct deposit, because I can't afford to have my entire paycheck taken away in fees. XXXX XXXX, the local branch manager who I contacted on XX/XX/XXXX, has told me since then that he can not waive any more fees on his authority level, and that " senior management '' is considering what to do. Several more weeks have passed, and I have lost all of that money, which was more than my " stimulus payment '' plus my paycheck combined. I understand that banks are for-profit entities and that service fees are a part of that package. But given the circumstances, this is nothing short of predatory banking. I am asking that you intervene and question the bank about their predatory practices, at the very least. I'm losing hope of ever seeing my money again.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently I apply for a XXXX XXXX credit card for traveling and it was unable to be approved. 

Because Equifax have me restricted,, as explain XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Equifax and XXXX for failure to comply with the Fair Credit Reporting Act ( FCRA ) regarding inaccurate and inconsistent information reported on my credit reports.

I have noticed that two accountsXXXX XXXX XXXX account ending in XXXX and XXXX XXXX account ending in XXXX being reported on my Equifax and XXXX credit reports, but these same accounts are not listed on my XXXX credit report. This discrepancy raises significant concerns about the accuracy and completeness of the data being reported by Equifax and XXXX, which violates 15 USC 1681e ( b ) of the FCRA, requiring that credit reporting agencies maintain accurate and up-to-date information.

Further, 15 USC 1681i ( a ) outlines the procedures for handling disputes and corrections, and it is clear that if an item is not verifiable or can not be substantiated by the creditor, it must be deleted from the credit report. The failure of Equifax and XXXX to remove these accounts and ensure the consistency of reporting across all Consumer Reporting Agencies ( CRAs ) constitutes a violation of this law.

I request that you investigate this matter and take the necessary steps to ensure that : XXXX XXXX XXXX account ending in XXXX and XXXX XXXX account ending in XXXX are deleted from my Equifax and XXXX credit reports, as they do not appear on my XXXX report, indicating inconsistency in reporting. 
Equifax and XXXX comply with 15 USC 1681e ( b ) by ensuring that all reported information is accurate and complete, as required by law.

Provide me with an update of the investigation and the corrective actions taken. 
Failure to address these issues not only undermines my ability to maintain an accurate credit profile but also violates my rights under federal law. Please inform me of the actions you plan to take in this regard.
Product: Credit card or prepaid card

On or around XX/XX/2022 my XXXX secured credit cards limit was raised to XXXX with no request for the increase by me and no notification to me by the bank of when or why it was being raised. I used the amount increased and due to an error or glitch in Bank Of America 's system the card did not cut off at the XXXX limit and instead kept charging and allowed the balance to go over the mystery XXXX increased amount to the tune of almost XXXX over in multiple transactions. I have asked the bank several times to help me by either raising my limit from the XXXX to XXXX now to equal the charges so I don't continue to experience negative derogatory credit marks every month for this high over credit limit card. I feel that Bank of America should help with this since it must have been an error in their system that didn't cut off the card at XXXX and I think it's a form of predatory credit lending that has now caused me problems when I try to do anything in regards to my credit history. I have never missed a payment on my credit card, along with the other accounts I have like a home mortgage and car loan with other banks and for this XXXX card which I feel only had rhis happen due to a glitch in Bank of America 's system, my credit would be in alot better standing and I wouldn't be getting continually denied anytime I try to apply for any loans. I am asking this agency to please assist me in getting through to Bank of America and the credit card team about this dispute since they don't seem to want to give me any consideration here. Please help! I should have excellent credit right now with making all my payments on existing debts and this overage on this credit card is causing me problems. All I ask is Bank of America acknowledge that a glitch occurred here causing my credit card to not have an actual limit at some point and I don't think it's too much to ask that they increase my limit from the XXXX to XXXX to put my account in good standing as I continue to pay down the balance.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> the CFPB sent Experian a dispute about the accuracy of an account listed on my Experian credit report. On XX/XX/year> the dispute of the account listed on my credit report was completed and verified as 100 % accurate and updated, how is this possible as being 100 % accurate, the balance history is inaccurate, the charge off date is inaccurate, the status updated is inaccurate, the payment history is inaccurate. But on XX/XX/year>, XXXX claimed to have verified all of these inaccuracy 's listed above. 

Account : XXXX XXXX XXXX XXXX Results Experian Report # XXXX Date Generated XX/XX/year> 2024
Product: Money transfer, virtual currency, or money service

I made an international transfer from the XXXX to XXXX with wells Fargo as the intermediary bank on XXXX of XX/XX/2020. Wells Fargo has held up the funds for no reason and re not responding thereby delaying XXXX for my cousin
Product: Credit reporting, credit repair services, or other personal consumer reports

I look on XXXX XXXX daily. I saw a company called XXXX XXXX XXXX as a hard inquiry on my credit report on XX/XX/2018. I never authorized my credit to be ran by this company. I do not want a car. I have one. I contacted the fraud department. After researching they told me that The application was done online and they do not have a hard copy and my SS # is one number different than the applicant and the credit bureau accidentally merged our information. I called the credit bureau Equifax and they stated it is not possible to have that happen and to call XXXX and have them submit an electronic request to have the hard inquiry removed from my credit report. When I called XXXX back they said they could not help me and transferred me to their parent company XXXX XXXX. XXXX told me XXXX will just keep transferring me to them bu there is nothing they can do because they do not have an application from me to even discuss with the credit bureaus about. I am all out of options. Everyone keeps telling me they cant help me. I am being penalized for something i did not do and I need the help of the CFPB to get this fixed. I understand an inquiry does not have a large impact on my credit score but I have a good amount I did myself and I am getting ready to purchase a home in the future and I do not want to be penalized for something I never did. Please help me. 

XXXX XXXX
Product: Credit card

it's abou the paypal master card issue by synchrony bank XXXX XXXX XXXX XXXX I made a payment of {$250.00} few weeks ago, and they told me that it was a new account, the payment couldn't be post right away, and I got a declined when I tried to pay for my food at a restaurant this evening. It's totally ridiculous
Product: Checking or savings account

A {$110.00} on line bill payment was made to  XXXX  automobile policy  XXXX   XXXX   XXXX   XXXX  on  XXXX / XXXX / 2017  via m y KeyBank DDA   XXXX . The payment never found its way to the account at  XXXX .     After  KeyBank  provided a proof of payment that was faxed to  XXXX  in early  XXXX   2017 ,  XXXX  confirmed that the funds were located and that they would refund the {$110.00} back to me. I have yet to receive the funds and neither  XXXX  or  Key have b een of any assistance with location of those funds.  XXXX  advises that the funds were sent back to the bill pay er 3 - 5 da ys after a discussion on  XXXX .     Please help with locating funds and routing to  my KeyBank  DDA  XXXX .     Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

The Opposite of closed is open nice try Equifax try that Stunt on someone that dont know any better but I do. Remove the following accounts from my credit file you did not conduct a proper investigation therefore you must remove XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX Close cant report but open can horse and dog XXXX remove the account listed above NOW
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On my Transunion credit report, I had XXXX collections ( XXXX XXXXXXXX ) added on my credit report which cause my credit score to decrease by XXXX points on XX/XX/XXXX. 

However, on XX/XX/XXXX, all XXXX collections were removed from my Transunion report, but my credit score did not change ( increase ). I called Transunion several time to verify that accounts were removed, and they verified that I do not have any collections reporting. When I asked why my score did not change, they said it was the algorithm. 

How unfair that the 'Algorithm '' senses negative reporting and deducts points accordingly but the XXXX does not senses when an account has been positively updated to has score increase accordingly. This is injustice. I also included supporting documents as well as an old collection account removed in XX/XX/2022 and points increased by XXXX points ( attached ). 

In addition, I noticed that in the past 5 months I paid {$11000.00} and my points only increase by a total of XXXX points ( please see payments attached ). How? If I were to use {$11.00}, XXXX my score would immediately decrease by at least XXXX points. 

The credit score algorithm is unfair and unjust to the paying consumers.
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Please see uploaded documentation pertaining to Equifaxs failure to conduct a thorough and lawful reinvestigation of disputed items on my consumer report.
Product: Debt collection

I checked my credit and saw an account from I C SYSTEM INC on behalf of XXXX XXXX XXXX for {$2000.00}. I contacted XXXX XXXX XXXX  was told an account was fraudulently applied for and several phones were purchased. The bill was never paid and the account was charged off. I filed an FTC report for identity theft.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the accounts and inquiries reported on my consumer credit report, as referenced below. These entries are the result of a data breach or fraud, and I request a thorough investigation. I also demand verifiable proof bearing my signature or electronic signature to validate these actions. 

This letter is being sent directly by me, not through a third party, and I request that you review it carefully. I did not authorize the actions reflected in my credit report, which constitutes a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ), specifically : Section 605B : Blocking information resulting from identity theft or fraud [ 15 U.S.C. 1681c-2 ], and Section 604 : Permissible purposes of consumer reports [ 15 U.S.C. 1681b ].

After contacting the companies involved, I confirmed that these actions were initiated without compliant validation or original proof. The accounts and inquiries in question are factually inaccurate, as I never authorized them. These entries are a result of a data breach or the improper reporting of my consumer information by creditors or third-party data furnishers.

I respectfully request that you take immediate action to investigate and remove these unauthorized entries from my credit report.

Thank you for your prompt attention to this matter. I look forward to your timely response.
Product: Vehicle loan or lease

My ex husband and I got a loan in XXXX for a vehicle, I was the co signer. The loan was almost all paid off but before it was we divorced. In the divorce settlement it is written that my ex husband take all the marital debt and it be removed by the creditors and bureaus. I have been fighting this company since XXXX of XXXX. I have written letters to them, sent the court order that is signed and filed. Sent the same to all three credit bureaus. 
Just talked with XXXX from Credit acceptance, she stated in a recorded call that this company doesn't accept or honor divorce decrees. 
I don't even know what the balance was for. I am trying to get a home loan and keep being denied because of this BS. 
How can any company not HONOR A COURT ORDER????? Isn't that what we have courts for order? So in order to free myself of their racketeering scam I was forced to pay it off, so in due time ( on their schedule of course ) they will say its been satisfied, that is not good enough, this is not my responsibility to pay for it. I went through the right channels to get it removed from my responsibility when the divorce happened.
Product: Credit reporting or other personal consumer reports

I noticed an account associated with XXXX XXXX  on my credit report that I did not open or authorize. According to my credit report, the account was opened on or around XX/XX/year>2021. The account is reported as a secured loan with a balance of {$15000.00} and a past-due amount of the same figure, but the details vary significantly across the three major credit bureaus. 

The discrepancies include : XXXX. The Date Opened is listed as XX/XX/year>2021, by XXXX, but XXXX and Equifax report it as XX/XX/scrub> 2021. 
XXXX. The account is listed as Derogatory by XXXX and XXXX, while Equifax reports it as Open. 
XXXX. The reported balance is {$15000.00} on XXXX and XXXX but {$0.00} on Equifax. 
XXXX. The High Credit amount is reported as {$21000.00} by XXXX but {$0.00} by XXXX and Equifax. 

I have never applied for or authorized this account, and I suspect it was created fraudulently. When I discovered this account, I immediately reviewed my records to confirm that I had no affiliation with this account or XXXX XXXX. I also filed a report of suspected identity theft and began contacting the necessary agencies to dispute this information. 

The inaccurate and fraudulent reporting has negatively affected my credit score and caused unnecessary stress. I request that this account be fully investigated and removed from my credit reports to prevent further damage to my credit profile. Additionally, I would like the reporting agencies to notify any company that has accessed my credit report in the last six months of the corrected information. 

Thank you for your prompt attention to this matter.
Product: Credit card or prepaid card

I received notice today that my credit limit has dropped by {$3600.00} which has negatively impacted my credit score. As far as I knew, my credit card was paid off in XX/XX/2019 When I called synchrony bank I was told I had a past due balance of {$2.00} for several months. The amount increased to {$6.00}, which I received a notice about last week and paid online. I was shocked to find out my credit limit would be dropped so much for {$2.00}. I was told back in XXXX and XXXX my payment was late. I called back when that happened and let them know one of my children committed XXXX and they worked with me. I don't understand why 8 months later they would decide to drop my credit limit due to this. I have made payments on time and paid off the card several times.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has come to my attention that both XXXX XXXX and XXXX have been sharing my personal information with the credit reporting agencies without the express written consent. This information includes but is not limited to : transaction history ( late payments ), balance, and experiences. My credit cards are a matter of consumer law. 

Pursuant to 15 USC 1681a ( 2 ) ( i ) Exclusions report containing information solely as to transactions or experiences between the consumer and the person making the report. Therefore, late payments and account balance SHOULD NOT appear on my consumer report. Pursuant to 15 U.S. Code 1681 - Congressional findings and statement of purpose, ( a ) Accuracy and fairness of credit reporting The Congress makes the following find
ings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

The privacy statements provided by both XXXX and XXXX states that my personal information can only be shared with the credit bureau and affiliates. Pursuant to 15 USC 1681a ( w ) The term Bureau means the Bureau of Consumer Financial Protection. In addition, pursuant to the U.S. Consumer Privacy Notice provided by XXXX, the term " Affiliates '' means Companies related by common ownership or control. Therefore, the privately held credit reporting agencies would be excluded from being able to use the above mentioned information on my consumer credit report without my express written consent. 

I have contacted both XXXX and XXXX to opt out of all data sharing with any and all third party nonaffiliates, including but not limited to TransUnion, XXXX, XXXX, XXXX XXXX, XXXX, XXXX, and XXXX
Product: Credit card or prepaid card

On XX/XX/20 I was notified that a credit card was attempted to be opened under my name at 2 stores. I did not do this - this was fraudulent attempt. The stores were Kohls and XXXX. I called and told someone that it was not me at each store. 

Today, I recieved a letter about an attempt by someone to open a XXXX credit card under my name. This was also not me and was fraud. I tried to call the store but they are closed due to it being a holiday observance ( black friday ) XXXX/XXXX/20. 


Please help. I did not attempt to open any of these 3 cards. I am worried that more is happening with my identity and credit that I don't know about because of this also.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently found out that my name was attached and associated with 3 consumer reporting agencies, XXXX XXXX, Chex Systems, and certegy. I have called certegy they have a check in the amount of XXXX that was wrote on XX/XX/2014, associated with my ID found this out while I went to XXXX to cash a check as I have been doing many years they cant verify an address on file NONE of the addresses i have given them is tied to me, I called early warnings they gave a bank account that was opened in 2014 with XXXX XXXX, I wasnt even in XXXX yet, I disputed this issue with them and they are saying its accurate and its not, I want my signature to be verified, and what ID and address was used, the same for Chex systems its so frustrating all of a sudden I cant cash checks at XXXX or XXXX due to fraudulent accounts Ive never wrote a check in my life and Ive NEVER had a XXXX XXXX account. I want this removed from my name, how is it even possible I got 2 different fraudulent items in 2 different cities I can ONLY be at one place at ONE time! I just want them to detach these accounts from reporting against me because they are NOT mines and I do not write checks let alone shop at target and never have I ever been declined to cash a check until recently. I want this fixed, its a negative on me and I do not like it especially since these accounts have nothing to do with me.