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

I have two checking accounts with Bank of America ; one ending in XXXX and one ending in XXXX. On XX/XX/XXXX, I called Bank Of America to close the account ending in XXXX and consolidate all of my funds into XXXX. The agent I spoke with was helpful and was able to move all of my remaining funds in XXXX into XXXX ( confirmation # XXXX ). The agent told me it would take a couple of days for the account to show as closed and we hung up. The following week on XX/XX/XXXX, I noticed the balance in my XXXX account had gone to {$0.00} and a cashiers check for my full account balance had been issued. I immediately called Bank of Amierca to try and issue a stop pay on the cashiers check and restore the balance into my XXXX. At this time, both of my accounts with BofA were showing a {$0.00} balance and I had zero access to liquid funds. The agent was not able to resolve my issue and opened a complain interally ( case # XXXX ) and said I should recieve a call back withing a few busienss days. BofA failed to follow-up with me and I had to make several additional outbound calls to try and resolve without any success. The XXXX account was closed without my request and the XXXX account was still open. 

On XX/XX/XXXX, an automatic payment on my credit card tried to draft from my now closed XXXX account and was returned resulting in a {$29.00} fee charged to me by my credit card issuer. 

On XX/XX/XXXX, the cashiers check for my remaining XXXX balance arrived via mail and was deposited into a new checking account I created with a different bank. 

There were 6 days where all of my money was unavailabe to me due to an issue by Bank of America which created financial difficulties. I do not believe BofA took sufficient action to escalate the issue and resolve internally.
Product: Credit reporting or other personal consumer reports

Hello my name is XXXX XXXX XXXX. On my Experian account and other bureaus its showing XXXX " XXXX ''. I need assistance getting my name updated accordingly as I have had fraudulent activity occur in the past.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is terrible. I need some help dealing with them. 
Ive been informing Experian that a split pin in their system has prevented lenders from obtaining my report. Most recently, Ive, over the past week, spent at least five hours trying to get them to fix the problem. In the most recent of many calls made this week, I demanded, in a confrontation that left me shaken, to speak with a supervisor. XXXX, after some time, spoke with me. She asked me to fax a document to Experian, which I did, and told me the problem would then be fixed, the two names they have listed in my social security number would be merged, in three to five days, but it probably only take two.

I received an email from Experian today telling me the problem was resolved and the problem fixed. I, excitedly, logged into to my account to findnothing has been changed, nothing has been fixed. 
This is absurd. Its not fair that this big company has so much power over my life, treat me unjustly and harm me by making and then refusing to correct a mistake and I have no available recourse. This is a bad system. Experian is a bad company.
Product: Credit reporting

On XXXX/XXXX/15 I was checking my Transunion credit scores and saw that they had decreased my scores by XXXX points. Please have them tell me why they did this. There has been no activity with my report.
Product: Money transfer, virtual currency, or money service

I sent a transfer from XXXX XXXX XXXX to my mother 's account in XXXX XXXX using the money transfer company, 'Wise ' ( previously known as TransferWise ) on XX/XX/XXXX. I have attached the transfer details to this complaint. The facts are as follows : - I sent {$1200.00} to Wise from XXXX  XXXX XXXX on XX/XX/XXXX - Wise acknowledged receipt on XX/XX/XXXX - The money did not arrive and I called on XX/XX/XXXX to inquire as we discovered that the account I had provided at the receiving bank had been closed ( Without my knowledge ). I sent them evidence of the account closure and they told me I had to wait for the money to " bounce back '' - I called on XX/XX/XXXX again and they said I should keep waiting - On XX/XX/XXXX I spoke to them again and Wise advised that they would initiate a funds recall via their intermediary bank ( XXXX XXXX ), but they said they could not guarantee actually finding the funds, which I found really outrageous - The result of this recall is that I received {$320.00} of the {$1200.00} and on XX/XX/XXXX Wise explained that they could do nothing about it and that they would not be able to investigate anything further. The answer to every question I've asked them in this process is " they don't know '' and they have no way of knowing, which is shocking as costumer entrusting money to them, and not have them be liable for this money. 
To sum up, no service was provided, my recipient didn't receive the money and I lost a considerable amount. 

At this point I have no ability to get these stolen funds and I am seeking CFPB support in having them returned.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, my name is XXXX XXXX XXXX I am having a problem with HSBC bank posting a debt on my credit report that doesn't belong to me. I had my identity compromised on the dark web back in XXXX  where there was a breach and due to this breach this account was opened up under my name in which I didn't find out about it until it was too late. I will provide the documentation below and the FTC complaint # is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I got XXXX inquiries need to be remove from credit report
Product: Credit card or prepaid card

My CitiBank MasterCard expires on XX/XX/XXXX. On XX/XX/XXXX, I was informed they will not renew it due to as stated in their email 'bankruptcy or a charge-off on another credit card account issued by Citi '. I had many phone and online chat conversations with customer service. The first time I had a conversation, they advised me to send a cover letter and copies of my credit scores to their Dispute Center. I faxed those documents on Monday XX/XX/XXXX. I received confirmation that the fax was received. And the last customer service rep I spoke to on the phone said they have those documents but still says the reason for their decision was the XXXX Credit Report. I have great credit scores and a great XXXX and XXXX Credit Report. Each shows only one 30 day late payment in XX/XX/XXXX. I have an excellent payment history with the CitiBank Mastercard. I have repeatedly requested CitiBank to send me specific detail on their reason for this decision. They do not grant that request and tell me it was based on my XXXX Credit Report. I pulled that credit report on XX/XX/XXXX. Again, only maybe-negative item was one 30 day late payment in XX/XX/XXXX. No other late payments in the last 3 years. No charge offs are recorded in on the XXXX credit report for the last 3 years. I just spoke with the Global Consumer Credit Division of XXXX and they confirmed I have excellent credit history, only one late payment in XX/XX/XXXX, no charge-offs and don't understand why CitiBank has taken this action. This is a serious matter. This action is noted on my credit report, stays on my credit report for many years and has a very damaging affect on my ability to get credit if needed. I need help and CitiBank is not providing the help or cooperation.
Product: Credit reporting or other personal consumer reports

I will keep on REWRITING to complaint to LOANCARE about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified since my request is not taken into serious consideration. My address is XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, IL XXXX, and my name is XXXX XXXX. My birthdate is XX/XX/year>. The FTC report numbers related with this complaint XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2022 my wife and I ( XXXX & XXXX XXXX ) purchased a home and the mortgage was through XXXX XXXX XXXX of Texas. We have always paid our mortgage on time. 

XXXX XXXX XXXX XXXX Mortgage XXXX acquired our mortage sometime around XX/XX/2022. XXXX actually sent us paperwork after XXXX XX/XX/2022. 

Neither XXXX nor I have ever received any phone calls or emails stating the transfer of ownership of our home loan till XXXX reached out to us XXXX looking for our XXXX, 2022 mortgage payment. 

We sent our XXXX payment to XXXX XXXX XXXX of Texas which bank records show they cashed on the XX/XX/2022 - on time. 

At not time did eahtier party tell us the loan had been transferred sold or whatever? 

In any case it has since been sorted out as XXXX XXXX XXXX of Texas has since wired the money, we paind to them on XX/XX/2022, to XXXX. 


On the XX/XX/2022 formal demand letters were sent by XXXX to XXXX and I saying there was an issue on our loan and to call immediately to avoid foreclosure. I called XXXX after collecting the letters from the XXXX XXXX ( Certified mail ) yesterday ( XX/XX/2022 ). XXXX confirmed that there was no issue with the account and we are up to date and the operator also confirmed that XXXX had in fact received the wire transfer from XXXX XXXX XXXX. 

XXXX and I have been on the phone many hours trying to fix this issue that was caused due to the lack of communication from both XXXX XXXX XXXX and XXXX. 

Now we are in the process of finalizing our solar contract and new kitchen. XXXX has a late payment remark from XXXX, over 90 day late payment. 

I also have the samne remark and a new a new account opening showing on my credita new account opening on my credit. 

XXXX 's credit has been hit with a 140 point drop due to the late payment remark, and mine has a number of deductions on opening a new account. 

Please note that we are not late and we never opened any new accounts with XXXX. 

I have reached out by phone and email to have this credit reporting issue resolved by XXXX and to date have not received any response. 

We have huge hits on our credit that have now made it impossible to close our financing for our new solar and our new kitchen.
Product: Credit reporting or other personal consumer reports

Hello - I put in late payments dispute for 2024 with XXXX XXXX XXXX and it was not investigated. Additionally, I have asked for old accounts to be removed ( well over 10 years since closing ). Additionally, I have bay country finance is reporting incorrectly and I have requested for it to be removed. I submitted over two formal disputes and they still remain and negatively effect my credit. Furthermore, I have asked that unknown associated addresses be removed, as I don't recall the address.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX AND XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. XXXX XXXX XXXX XXXX  AND XXXXNever Sent the periodic statement along with the disclosures from section XXXX ( b ). I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an account reporting with National Credit Adjustments for some type of payday loan. This is not mine it's showing that it opened in XXXX XXXX and I can tell you I never opened an account with any type of payday loan in 2015. This needs to be deleted. I was notified through my XXXX XXXX account that it was reporting on XXXX.
Product: Checking or savings account

My rent check on my TD Bank checking account was fraudulently washed and personally cashed. The rent check is from XX/XX/2022. I filled out all the necessary paperwork with my bank and was supposed to get the funds put back in my account between 60-90 days. It has now been over 4 months. The amount was for {$1100.00} TD Bank XXXX XXXXXXXX XXXX XXXX XXXX  XXXX Thank you
Product: Debt collection

To whom it may concern, I am contacting you regarding the collection company XXXX XXXX and XXXX XXXX XXXX. I have been disputing my debt with XXXX for some time now, but they have not provided me with debt validation or confirmed whether or not they have purchased the debt from XXXX XXXX. Instead, XXXX ( who is lovely, by the way ) has been reaching out to me to try and get me to settle the debt, which would let me out of my agreement with XXXX XXXX. I can not afford to pay the money they are requesting that I pay, and I can not get an answer from XXXX XXXX as they direct me back to XXXX XXXX. I am tired of going back and forth with them. I disputed my agreement with XXXX XXXX, and when I started complaining, they turned around and sent me to collections, which is not right. I am filing this complaint against both parties as I do not know what else to do. I honestly believe I am being harassed and backed into a corner where I have to pay, or they will hurt me later on down the road. I can not accept this happening now and will not have them keep strong-arming me into paying more to a company I have already sent thousands of dollars to over the years. I need someone to help me. 

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

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

These are not my accounts, addresses listed, name, nor did I authorize these companies to run my credit. Please remove them.
Product: Credit card or prepaid card

This company put my account into a negative balance in order to receive their monthly fee and I was never notified of the policy change that led to it Several months ago, I stopped using my Card.com card  because my employer did not do direct deposit. Now that they do, I checked my account in order to start using it again and noticed that Card.com had put my account into a - {$6.00} balance. When I called their customer service on XX/XX/XXXX to inquire as to why, I was told that they changed their policy in XX/XX/XXXX and they will now take their full {$9.00} monthly maintenance fee regardless of if the money is there, potentially resulting in a negative balance. I was told that I received several emails about this policy change back in XX/XX/XXXX and even though they had my correct email address listed, I never once received such an email. If I had, I would have cancelled my account rather than stay with a company so morally bankrupt that they would force their customers into a negative balance just to get their money. I then spent several hours on the phone, speaking to several agents and at least 4 supervisors. Not a single one treated me like a customer who deserved their respect nor did I even feel like a customer at all. Nay, I felt like a dollar sign to them and not a single person was willing to do one courtesy reversal or at the LEAST, just return my account back to a XXXX balance, regardless of the fact that I never once received the proper notification. This is the only reason why I feel like I am owed 1 courtesy from this company, something I have never asked for before, because I was NOT notified of this HUGE policy change. I have spent 2 days and several hours trying to get this resolved directed with Card.com and they won't budge so that is why I am now filing a formal complaint against them with the XXXX and FDIC.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX, I am writing this for myself on behalf of myself, any authorization you say you need consider it given. 

These incorrect accounts are still on my credit report, Violation of FCRA privacy to send out index cards.. 

I feel like you people at the CFPB arent doing your job, and or dont understand THE LAW. Your supposed to oversee these companies that violate my rights and protect me against them, and your not! Ive sent multiple complaints about this Same issue! Complaint ID : XXXX, I sent a whole 5 paragraph essay of how this company violated my rights, and you did nothing to follow through or investigate! 

Ill say it again.. 
No consent is considered identity theft, I didnt give anyone at XXXX XXXX XXXX or any other company permission to disclose my information, XXXX requesting proof of full disclosure agreement showing my signature giving permission for XXXX and these other companies to disclose my personal information with any 3rd party See attached, no consent is considered identity theft, transunion continues to let there robots respond to me and send me post cards which is another violation of my rights.. 

Im attaching another attempt for transunion to fix this issue.. 
maybe youll get a different response and not some robot
Product: Credit reporting, credit repair services, or other personal consumer reports

My state won a lausuit for fradulent practices by Santander where part of the relief was to delete the account.
Product: Credit reporting or other personal consumer reports

I'm writing to look at my colossal worry concerning the tried records recorded on my credit report. I have really drawn these slip-ups out from the shadows and have basically on various occasions alluded to a comprehensive assessment. Anyway, paying little mind to what my anticipated undertakings, I very can't get any objective or medicinal action.

These worked up records are genuinely impacting my credit report and are basically destroying my ability to have a customary presence. The restricting result of these slip-ups has caused monster troubles for me, and I'm left with no choice close to search for your close by assist with reviewing what's going on.

I sympathetically request that you lead a thorough assessment concerning the deciding of these tried records. It is key that the fundamental advances are taken to reestablish and change my credit report right away. With your help, I really want to restore the accuracy and uprightness of my credit record, allowing me to recuperate control over my money related accomplishment.

I genuinely request that you propose this matter your for the most part ridiculous suggestion and take a speedy action. Your joint effort and moving in settling this issue quickly would be massively huge.

Much appreciation to you without skipping a beat for your appreciation and help.
Product: Credit card or prepaid card

I submitted a purchase dispute with Comenity Bank XXXX XXXX XXXX  store card on XX/XX/XXXX for a purchase via phone. I followed up the phone dispute with a secure message on the Comenity webpage with supporting documents per the phone reps request. On XX/XX/XXXX I recieved a responce confirming reciept of supporting documents by comenity message support stating they were looking into my dispute and I would not be held responsable for the disputed charge. 

As of XX/XX/XXXX no forward movement has occured on my dispute, no additional communication has been issued by Comenity in reguards to the dispute, I am still showing a balance and payment due on the disputed charge, and Comenity is not responding to my requests for more information. 

The dispute goes as follows : " This item was delivered with major water damage. XXXX documented the damage and its also mentioned in the XXXX that XXXX XXXX XXXX issued as well as in photos in the email thread ( all attached here ) XXXX XXXX XXXX issued a XXXX requesting all original packaging be returned. I explained due to the water damage to the item and packaging I was not going to be able to ship the item back in the original packaging and needed packaging provided along with a XXXX pick up. 

This is a large item that was delivered via freight - XXXX XXXX XXXX  originally requested I go to XXXX  to get a box but after visiting XXXX it was descovered they do not carry boxes of the appropriate size XXXX XXXX XXXX then told me I would need to buy a second XXXX monitor to procure packaging to send the original broken one back. 
XXXX XXXX XXXX is not acting at all in good faith and making it impossible to make this transaction right. '' I sent the entire email thread with XXXX XXXX XXXX  support where they said I would be required to buy a second XXXX monitor from them to return this item. I also sent the XXXX that has the carrier ( XXXX ) statement of damage to this item in transit, and finally I included photos of the damage as it was taken off the freight truck. 

Yet even with all this data Comentry is still holding me accountable for a disputed charge and not investigating this case at all.