23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone is trying to open an account on my credit. Other information has slowly been taken over with XXXX, etc. They are trying to open an account with ComenityCB/XXXX  at XXXX XXXX XXXX XXXX XXXX OH XXXX. Please advise.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacting these companies several times. I have notified them several times that the accounts they are reporting are fraudulent accounts that were not authorized by me. Commentiy Bank stated they were going to resolve the issue. I've spoke with several reps with most of them saying they don't see the investigationXXXX XXXX XXXX  only updates the report as disputed and they continue to verify the account as accurate and it's not. XXXX XXXX same issue as XXXXXXXX XXXX It makes no sense that I'm having to fight so hard to get my idenity back and these companies allowing people to open accounts in my name. Comenity has allowed these thieves to open not one but 4 cards in my name 2 of the four is with the same store. This has made my life XXXX. And the worse part whoever took advantage of me did it while I was in an XXXX XXXX waiting for a new XXXX. Please help me in fixing this.
Product: Credit card or prepaid card

I am writing this complaint because I can not understand the situation with my XXXX  XXXX account. In all my reports, it shows missed payments in XXXX and XX/XX/2019. I downloaded the annual report to compare transactions for this account and did not find information on exactly these dates. I'm not hinting at anything, I just want to understand the situation. During this period I was very sick and I do not remember what happened during those months.
Product: Credit reporting or other personal consumer reports

I used Affirm 's payment option to purchase an item online. I changed my mind and contacted the vendor to cancel the order on the same day. The vendor responded back that the order was canceled on the same day as the original sale date. I contacted Affirm and notified them that the sale was canceled. I was told that it would still show up on their site but that it would " fall off '' after 14 days. This was not the first time I've used their service and have always paid on time and in full. 

I checked back after the time the 14 days passed and saw that the balance was still there. I emailed and called for them to correct the mistake and was told to send a copy of the cancellation email from the vendor, which I did. I never heard anything back but started to receive demands for payment. I again, called and emailed, forwarding the documentation, and was told, once again that it would be taken care of. 

Then I got an alert from my credit report that they reported the account as unpaid, which lowered my credit score. I again call them and go through the entire process AGAIN. It wasn't until I said that I would report them to the XXXX  and the FTC that they removed the balance from THEIR site. It still remained on my credit report that I was late on a loan that was never initiated. 

I again called Affirm and was told that their reporting was correct and would not make any changes. Despite all the evidence to the contrary. 

They changed the account on my report as paid, instead of removing it. Paid by whom? The vendor canceled the purchase in their system the same day. How do you pay for something that was never processed? 

After reviewing the complaints on the XXXX  website, I see that I am not the only person to have this problem with Affirm. Something has to be done to change their poor communication and lack of business ethics. 

I see a class action lawsuit in their future.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureaus that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized inquiries that reporting on my credit report. Since this is a strict violation of FCRA laws I need the inquiries removed from my file as soon as possible. 

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 or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency 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 item from the 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 reseller. 

Account name 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 XXXXXXXX
Product: Checking or savings account

XX/XX/XXXX XXXX Noticed bank overdrawn - {$880000.00} XX/XX/XXXX XXXX Call BofA Customer Service . Said nothing they can do. Have to call this number XXXX XXXX XXXX XXXX. Straight to Voicemail. A voice of a Guy asking to leave name and number. 

XX/XX/XXXX XXXX Call BofA Customer Service. Said nothing they can do. Will transfer me to the Protective Services department. Hear a voice message suggesting closing the account and open a new one. Also to call XXXX if I have any questions regarding the voice message. 

XX/XX/XXXX XXXX Call XXXX. BofA rep XXXX ( Client # XXXX  ) says nothing she can do. An internal investigation team will call me in a few days. Suggests going into a physical branch to expedite resolution. 

XX/XX/XXXX XXXX Try to go to BofA @ XXXX XXXX XXXX XXXX , CA. It is closed on a Friday. 

XX/XX/XXXX XXXX Try to go to another BofA branch. Said have to wait 2 hours to see a personal banker. Cant wait that long. Have to go to work. 

XXXX XXXX attempted to go to BofA. The line was out the door. Asked a rep if I can talk to a personal banker. Said no one available today. Rep made an appointment at the neighboring branch for XXXX. A rep at the new location said there was nothing she can do. Called higher authority and said that I have to wait for a letter which will tell me what my options are. Rep said they sent out on XX/XX/XXXX. 

XXXX XXXX Called XXXX Bofa XXXX ( Preferred ID # XXXX  ). XXXX transferred to a different department. XXXX in Arizona from ( The know your customer contact He said the wrong department. Will need to transfer again. XXXX from ( Account closure ) Account is being under review. Call back sometime next week. Transferred to XXXX to add the unit number to address. Missing unit # XXXX. Reaching out to the risk department to resend the letter with the correct address. Transferred to the wrong department. Hung up XX/XX/XXXX XXXX Called Risk Department currently under review for a loan that I received in my account For {$22000.00}. Requesting time to work on the case. 

XX/XX/XXXX XXXX Account still frozen. Called XXXX and waited 30 minutes. Told nothing they can do and this was an issue in the investigative department. Was also told that they dont send letters and that they will call.
Product: Credit reporting, credit repair services, or other personal consumer reports

the account were not a charge off i took care of the accounts, they are paid in full, the accounts were satisfied as agreed, please remove the error from my credit report ASAP XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

Multiple threatening calls to my cell phone, my husband 's cell phone, my work phone and co-workers phones. All claiming a debt not on my credit report. They state they wo n't even tell me who I supposedly owe. They state that they are BBB accredited but the company name only shows on a similar named company as not associated with. I spoke to my local police department and they said to ignore because I need full name and address to file harassment charges. They will not give me that information. I blocked the number on my cell phone but can not do that with work phones.
Product: Credit reporting or other personal consumer reports

I was a victim of equifax data breach. I want all items deleted from credit report. i was a victim of data breach would you do the same immediately with XXXX and XXXX.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX of this year, I called Experian and asked them to remove all the incorrect addresses that are showing on my Experian Credit Report, but I was told that Experian will not remove addresses that are tied to creditors.
Product: Student loan

MOHELA sent emails to me reporting random late payments and accrued interest for XXXX through XXXX of XXXX despite uninterrupted payments being sent to them via my bank. Each withdrawal is recorded in my bank accounts billing statements and would equal a total of {$800.00}. 

MOHELA has randomly repeated this again for a {$250.00} payment in XXXX and XXXX of XXXX. Each payment has been successfully withdrawn from my bank account and sent to the same place that the last XXXX payments were successfully sent to. 

In total I have {$1300.00} unaccounted for that was sent directly to my MOHELA account. I have called several times to make them aware but I have been told to wait patiently each time because their site is still catching up. I am accruing 4.5 % interest each month on a total that is {$1300.00} more than what it should be and no one at MOHELA will help to change it.
Product: Credit card

I was notified of a fraudulent charge on my credit card. I had not used the credit card a single time since receiving it. I made my case and was transferred to various Barclay 's departments including but not limited to Customer Service, Security, Fraud departments. They initially didn't believe me because they said that the transaction was made through a chip reader and they can not copy those and that I had the card in my possession. I appealed the decision and requested further investigation and won the case. I received a letter saying as much but then today I find out that there was still interest and late fees being applied to the fraudulent charge and that my credit was sent to collections. This led to a drop of XXXX points on my credit score. I just called again and they are " waiving the late fees and interest fees as a courtesy. '' I requested to close my credit card account and an immediate correction to my credit score. There is a " high level security block on the card '' and I was told that I still have to pay an annual fee but there is no way to access my card nor can I close the account because of this block. WHow are they allowed to do this?
Product: Checking or savings account

On XX/XX/year> I deposited {$1600.00} in a mix of checks of cash through a Bank of America ATM. After I made the deposit, the funds were not available in my account. I called Bank of America 's ATM claims division to submit a claim and was told I would have the {$1600.00} credited to my account by XXXX, XXXX 2024 while they conduct their claim research. I have not received any credit in my account to date. Upon calling the claims department, and speaking to the supervisor, I was told there is nothing that can be done and I have to wait for the research to be complete. Despite having escalated this claim multiple times and told that it has been prioritized nothing has happened. I am suffering and unable to pay my bills because of a mistake on the bank 's side. There is video of me holding the cash and checks, as well as video and digital records of me depositing the amount. I am now in a position where I will be late for bill payments due to Bank of America making a mistake. 

I have been given no solutions, and the supervisor 's only advice was to wait while they investigate. No credit has been applied, no remediation, and absolutely no help. I am now in a very difficult position, which will negatively impact my credit score because of Bank of America 's mistake.
Product: Debt collection

I WAS REVIEWING A COPY OF MY CREDIT REPORTS AND NOTICED SEVERAL ACCOUNTS THAT DID NOT BELONG TO ME I CAN NOT BELIEVE THIS IS HAPPENING TO ME THESE ACCOUNTS ARE WITHHOLDING ME FROM PROGRESSING PERSONALLY AND MY FUTURE ENDEAVORS THEY ARE TREMENDOUSLY AND NEGATIVELY AFFECTING MY LIFE AS WELL AS MY CREDIT I HAVE FILED A POLICE REPORT AND FTC REPORT.
Product: Money transfer, virtual currency, or money service

I got scammed out of {$990.00} through Zelle in XX/XX/2024 and I reported it to my bank and to Zelle. I was denied a refund. The scammer was impersonating a police officer and threatening to put me in jail If I did not pay the fee. I was emotionally abused in order to put me under enough pressure to pay the money. I decided to file a complaint through XXXX XXXX yesterday.
Product: Credit reporting, credit repair services, or other personal consumer reports

there is a collection for an apartment complex that i have never lived in due to identity theft. i called and told them it was not my account and due to identity theft and they continue to put this on my credit. i own a house and have no need for any apartment
Product: Credit card or prepaid card

Yes I hope this message finds you in the best way you can be, God bless you.

I've recently opened a new account with American express on the date of XX/XX/XXXX, I moved in the mist of the cards getting to my old address. I therefore had a death In my family. Well I used my digital form that was sent to me and purchased XXXX dollars in items well after not receiving my new cards and my statement I called in to make a payment ask about my cards I was appalled buy the news I received from the agent first she said my balance was XXXX dollars. If that's not gut wrenching she then tells me my account is closed and in collections and that multiple deposits where returning on my account I became very concerned and made a fraudulent charges claim It was accepted my the globel fraud department at American express and was told under the FDIC I was coverd and I should receive new cards with a new account number I spent 5 hours clearing up all this and I was told to call back following day to get information about my new account my credit score was XXXX when I applied it has dramatically dropped to XXXX this ihas dramatically impacted my life my everyday ways of being able to provide for me and my family so I call in and I was now livid by the way I was told lie after misleading lies and more lies I have spent over 1 week trying to get my new cards and account information from every department from amex I have litterly soent over 4 hours every time I call being lied to being hung up on being told to call back and they have changed my account information and will not send me my new cards and will not provide me with my statement or information to make a payment for the charges I have made this is outrages and I can't let this fraud law breaking bank treat me as if Im not a paying American consumer this needs to be addressed how can they file a claim give me credit and then open a new account and put XXXX dollars on my statement and therefore not give me my account number or cards and say they cancelled my account because of collections this is concerning I have yet to receive my statement my cards and my credit is negatively been sabatoged please help and I know I have faith in you guys I appreciate your help and thank you in advance they must be reprimanded for not only breaking the laws of banking but fraud and scaming a customer
Product: Credit reporting or other personal consumer reports

I have been disputing an account with Experian and XXXX regarding XXXX XXXX  since XX/XX/XXXX. I requested their proof of documents and they never provided them to me. I filed with the FTC and reported the account as fraud based on identity theft and provided the FTC report with a letter of dispute sent to XXXX XXXX  to which I never received a response. I resubmitted the dispute because the year this account was opened, I was XXXX  with the XXXX XXXX XXXX XXXX XXXX at XXXX XXXX XXXX  from XX/XX/XXXX. My XXXX date was XX/XX/XXXX, XXXX. I provided the XXXX  documents provided to me by the facility 's XXXX when I filed this dispute. Then I got an email checking my dispute online and it was denied. I resubmitted the dispute on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and were denied. I am extremely disappointed, as I am providing concrete proof, and I think that Experian, XXXX, and XXXXXXXX XXXX are not reviewing the disputes or proof provided. I need this information to be removed from my account as these accounts were opened without my consent while I was XXXX Please help me in getting this account removed from my reports as soon as possible. Thank you for your assistance with this matter
Product: Checking or savings account

On XX/XX/year>, I deposited a {$75000.00} cashiers check at the XXXX XXXX Truist branch in XXXX, GA. The check was drawn on XXXX XXXX and purchased at the XXXX GA XXXX branch across the street from the Truist branch. I was told that a hold would be placed on the funds until XX/XX/year>. I inquired about the details of the hold with a woman who identified herself as the branch manager. She said it was bank policy to place a hold on the full amount with no immediate availability of any funds. When I asked for the rationale of this policy, to educate myself, she shrugged her shoulders and told me I just work here. 

On XX/XX/year>, my wife ( also on the account ) called the Truist corporate support line and spoke with a representative who agreed that, in accordance with federal Reg CC guidelines, the first {$5500.00} should have been made immediately available. He transferred her to a supervisor, XXXX, who she spoke with at length. She requested to be directed to where she could find the policy regarding holds on cashiers check in our account agreement. This was not provided. XXXX told her that holds were the discretion of the branch and only the branch could release the hold. She provided the contact information for the branch. My wife called the branch, and after 7 no answer attempts over 20 minutes, XXXX finally answered the phone. XXXX stated that a partial hold was not possible, and that he would send the issue to his XXXX XXXX Truist branch manager, but warned that our recent overdraft status would probably prevent him from releasing the hold on any of the funds, regardless of our 20 year relationship with the bank. 

In our communication with friends who are bank officers at other institutions, this violates federal Reg CC guidelines regarding holds on deposits of cashiers checks. It is our understanding that the first {$5500.00} should be made available immediately or within 2 business days.
Product: Credit card or prepaid card

On XX/XX/2020 I received an email from Bluebird that my account had been permanently suspended. I use this account to receive my pension and for helping my adult children make ends meet. I am a senior citizen, single and depend on this money to pay my bills each month. I have done nothing out of the ordinary and dont understand why this has happened. I reached out to customer reps and had to wait 3 hours each time, after which I received no resolution. The reps could not tell me anything I did not already know which was next to nothing. I am certain my direct deposit came in last night and I want a refund check given to me as soon as possible. I was told to write their escalation team a letter. This is the only means they are providing for me to get help! I dont have any alternative but to wait for the response to my letter which went out today XX/XX/2020. For this financial institution to do this sort of thing during these stressful and trying times is just immoral. Please help me.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Request for Assistance with Removal of Inaccurate Information from My Credit Report Dear Sir/Madam , I hope this letter finds you well. 

My name is XXXX XXXX XXXX, and I am writing to seek your assistance regarding several inaccuracies currently reflected on my credit report. Despite multiple attempts to inform the credit bureaus ( Experian, XXXX, and XXXX ) of these inaccuracies, I have yet to receive a response, and the erroneous information remains on my credit report. 

The presence of these errors is negatively impacting my credit score, my ability to make significant purchases, and my opportunities for obtaining a federal job. I have enclosed a copy of my credit report, highlighting the accounts that should have been deleted a long time ago, as they have been resolved. Specifically, I am requesting the immediate removal of the following : 1. **Delinquent Bank Accounts** : These accounts have been fully paid off and should no longer appear on my credit report.

2. **Collections Agencies** : Any collections agency currently listed on my credit report should be removed, as I have successfully resolved these accounts. Enclosed are copies of letters confirming the resolution of these accounts. 
XXXX. **Incorrect Addresses** : My current and only address is XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Any other addresses listed are incorrect and should be removed from my credit report. 

Additionally, I am an authorized user for three bank accounts with XXXX XXXX XXXXXXXX, XXXX, and XXXX XXXX. Please update my credit report to accurately reflect this status. 

The continued presence of these inaccuracies is causing undue XXXX XXXX XXXX XXXX and hindering my career opportunities. I kindly request that you intervene and assist in resolving these issues promptly. 

Once the necessary corrections have been made, please send me a copy of my most recent credit report for my records. 

Thank you for your prompt attention to this matter. I appreciate your assistance and understanding. 

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

Due to the laws of my state of New York, as of XX/XX/XXXX, the updated The Consumer Credit Fairness Act of XXXX, the debt with account number XXXX that XXXX company is claiming to be owed is 7 months past the 3 year statute of limitations. As per the law pertaining to my state, this dated listed with XX/XX/XXXX date as seen in attachment, all collections activity for this debt must stop which includes, mail, credit reporting, phone calls etc. If your company continues any form of debt collection including but not limited to credit reporting this case will be brought to the attention of NY state attorney general and also your company 's home state 's attorney general. The CFPB is a third party witness as a communication channel to this debt collections company. As credit reporting agencies it is your responsibility to report information correctly for consumers as per FCRA ; 15 USC CHAPTER 41, SUBCHAPTER III : CREDIT REPORTING AGENCIES From Title 15COMMERCE AND TRADE CHAPTER 41CONSUMER CREDIT PROTECTION, I have previously disputed this debt and brought it to your attention. During your investigation it should have been brought to light the updated NY laws and how it could affect this particular debt that is dated XX/XX/XXXX, this is either gross negligence or misconduct, as a protected consumer I need some sort of timely resolution for this matter. 

Please see attached : 1. Reference of US Law 2. NY State ID 3. SSN document 4. Credit Report ; Transunion 5. Credit Report ; XXXX