23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

I signed up for a Bank of America consumer checking account XX/XX/XXXX with a promotional offer ( {$300.00} credit when I open an account, set up direct deposit and keep a minimum balance in the account ). I met all the criteria and they are witholding the bonus offer. They state that it 's a " targeted offer ''. I read the T & C 's on this and it was not targeted, and I was eligible when I went to their website and the offer was on the top of the website for me to click on.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX who is submitting this CFPB complaint myself. This account is reporting late as reported in Transunion. Lets correct this immediately. Transunion is required to verify for themselves, but they failed to neither verify nor update me about these complaints. Please update or remove the late payments from this account. 

( XXXX XXXX XXXX )
Product: Credit card or prepaid card

In XX/XX/2019 my sears and XXXX credit card statements were being sent to another address. I did not move and i do not know how this happened. I am worried i may be a victim of fraud or identity theft. I would like to know HOW this information was changed
Product: Credit card or prepaid card

there was a conns home plus opened in my name with a total amount owed of {$6000.00} and there was some balanced paid in there records and there saying i owe XXXX and there was a call got them stating they wanted to use the store insurance to get new items that were stolen so they have denied my fraud claim and told me i was a liar. i never have been in a conns or opened an account with them.
Product: Debt collection

I previously disputed any amount owed due to XXXX XXXX attempts to charge me for things that were not valid, many things I had reported in my initial walk through. I also disputed owing anything to FABCO because I never signed any contract to do business with them. I asked several times for them to produce this information and they failed. I called to notify them that I filled for bankruptcy and they put the debt on my credit report as if it were a new debt. Please remove.
Product: Credit reporting, credit repair services, or other personal consumer reports

CREDCO Mortgage Reporters Contact info XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Inquiry date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX 2021
Product: Consumer Loan

This account has past the XXXX year mark and has n't been removed off of my XXXX report. It has been removed from XXXX. But still remains on XXXX. By law it has exceeded the time that is allowed to be on my report. Thank you for your help in advance.
Product: Debt collection

N accordance with the Fair Credit reporting Act Account XXXX XXXX  XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604A. It also states a consumer agency can not furnish a account without my written instructions
Product: Debt collection

I am being contacted by a collection agency about two medical debts tied to the name " XXXX XXXX XXXX '' from XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. Despite repeated claims that they i a not XXXX XXXX XXXX and have never received the mentioned medical services, the agency has requested identification verification. I have expressed discomfort in providing personal documents due to identity theft concerns. The collection agency has also reported the disputed debts to credit bureaus, negatively impacting my credit score. I seek the removal of these marks from my credit report until the situation is resolved.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Transunion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 
Account Information : Creditor 's Name : XXXX Account Number : XXXX Date of Late Payment : XXXX XXXX, XXXX  Nature of Complaint : On XX/XX/year>, I submitted a dispute to Transunion disputing a late payment reported by XXXX I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : 1. I made the payment as I was always making it without any problem and suddenly they report that I had a delay. They reported it to me in the three bureaus and in XXXX they verified and confirmed that it was an error and they eliminated that payment late.

2. This account is so far up to date in payment, the entire debt was paid.

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Transunion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report.

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 
Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 
Sincerely,
Product: Credit card or prepaid card

On XXXX I checked into the XXXX XXXX XXXX in XXXX for a business related trip. Despite there being two cards on file from my company, they asked to charge a hold on my personal card. Later on, my company told me they should absolutely not be doing this. I informed the hotel front desk to remove this charge I was told it should be in 24 hours. It still was not, I was then told after I checked out on XX/XX/XXXX, its going on 4 days after ( XX/XX/XXXX ) I checked out and still no resolution. I contacted on XX/XX/XXXX my credit card company, Apple Card/ Goldman Sachs Bank for assistance XXXX they kept bouncing me back to XXXX XXXX 

I spoke to the general manager at the XXXX XXXX on XX/XX/XXXX who confirmed the hold should be released and provided me with a document for Goldman Sachs bank to confirm this should be removed.

Goldman Sachs bank and their managers did not seem interested in the note from the hotel, nor helping me resolve this issue as of XX/XX/XXXX. My money is at this point being held hostage by two companies and I see no end in sight to get it back. I am asking for the help of the CFBP to fix this issue but also to investigate these suspicious dispute processes and customer service support offered by Goldman Sachs Bank/ Apple Card XXXX Feel free to contact me for more information. 

INVOLVED COMPANIES : XXXX XXXX Goldman Sachs Bank USA/ Apple Card
Product: Debt collection

Ive asked to not be contacted by phone which the person that called said ok. Im now receiving up to 8 calls in a row daily from these people.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2023, I received a notification from XXXX XXXX that I needed to give attention to my XXXX account on my credit profile. When reviewing my Transunion report, it showed XX/XX/2023 payment as missed when indeed I made this payment XX/XX/2023 ( see receipt attached ). The report also show my last payment reported was XX/XX/2023 and current but reporting one 30 day missed payment. XXXX is showing XX/XX/2023 payment missed as well but current status. I'm not sure why this discrepancy keeps happening but I need both bureaus to resolve this matter quickly.
Product: Mortgage

I was with Nationstar XXXX Mr. Cooper before they sold my mortgage to XXXX. I applied for loan modification in XXXX with Mr. Cooper and never completed it or gave a decision. Just said it was with underwriters. XX/XX/XXXX they sold loan to XXXX, I called on XXXX to XXXX and they have none of the paperwork. So obviously I have to probably start all over again. I had forebearance and now Im so far behind. Though Ive been trying to get modification since XXXX. First they said I couldnt but because of Covid they said in XXXX to put in for modification. Yet they sat on it! I dont want to lose my home! I am too old!
Product: Student loan

( Case : XXXX-XXXX-XXXX-DAP Doc # : 91 Filed : XX/XX/19 ) : " What both the Receiver and the DOE did not know was that DCEH and Argosy  were altering their submissions to the DOE to reflect that the Student Stipend had been paid when in fact it had not been paid. Based upon these submissions, DOE advanced all of the students Title IV money. Once the money was received, Argosy and DCEH voided their bookkeeping entries that showed the student had been paid and paid operating expenses with the money rather than paying the Student Stipend. ''
Product: Mortgage

I have not received a complete 2021 Mortgage Interest Statement from PNC Bank. I had my mortgage with BBVA but unfortunately PNC acquired this bank. I received a statement from PNC that only covers the 3 months since the acquisition to year end. In the bottom part of the statement it says that if my mortgage was acquired by PNC in 2021 I would receive an additional year end statement from your previous servicer. ( See Attached copy of PNC statement. ) NEVER RECEIVED this additional statement. I called PNC 2 weeks ago. They told me two statements were sent, and if I just got one the other one was lost by the USPS. They also said that they could not give me a copy of the additional statement because they were still being scanned and uploaded to their system. They asked me to wait for the mail and if I didnt receive it to call again. I called today and received a TOTALLY DIFFERENT explanation. I was told that I was not supposed to get two statements but just one. This is in contradiction to what the official PNC statement said and also in contradiction to what PNC told me on the phone. I was told that they had to issue a correction so I can receive one consolidated statement. They said this could take up to 2 weeks. THIS IS UNACCEPTABLE. I have not been able to turn my tax material to my accountant because I am waiting on PNC. This bank either lying to customers or has not procedures. What is undisputed is that they are not complying with the deadline to submit these statements by XX/XX/XXXX. It is now way past the deadline and I have not received a complete statement. This is not the first complaint I file against PNC. Early after the acquisition they withdrew money from my account without consent and refused to wired it back until the CFPB got involved.
Product: Checking or savings account

From XXXX - 22 fraudulent transactions were drawn from my account. 

On XX/XX/XXXX I filed a claim to dispute these transactions with extensive documentation. 

I was told repeatedly that " someone will call you back '' when calling over the next 4 months to try and figure out what the status of the claim was. 

No one ever spoke with me. 

On XX/XX/XXXX I spoke with an associate at a local bank branch, who acknowledged that NOTHING ever occurred with my claim. 

I was provided a provisional credit for the disputed transactions with the reassurance that the case was now being " properly dealt with. '' That provisional credit was removed from my account this morning with no explanation as to the status of my claim or status of the case. 

The bank is now claiming that over 50 pages of documentation containing personal and financial information I sent several times, proving my case has been lost or never received. 

Today alone I have been on the phone with the bank for four hours being constantly transferred between departments who either " don't see that the claim exists '' or " can not find the case '' or flatly hanging up because they don't want to deal with resolving the issue.
Product: Credit card or prepaid card

I have never been late on my XXXX XXXX account ending in XXXX and always kept the balance low. This is insane because I worked hard to keep my account open. My social security number is XXXX and my SSN is XXXX.
Product: Credit card or prepaid card

Chase Visa XXXX Card. Chase sent out an offer to upgrade to another XXXX card. Same account number, so no impact on personal credit. No other fee changes on offer. I agreed to upgrade to the card. I activated the new card on XX/XX/XXXX. Today I receive a letter from Chase dated XX/XX/XXXX ( todays date is XX/XX/XXXX ) stating changes to account terms. The change is that they are increasing their annual fee from {$99.00} to {$140.00}. I find it awfully suspicious that the letter came after I had time to accept and activate the card. This seems a lot like a bait and switch tactic. I will not accept this change in annual fees as it was not advertised when I was initially offered this card upgrade ( and I highly doubt Chase bank makes decisions to raise annual fees in less than a months time, these decisions are factored in months in advance ). Another example of how the banking system is not regulated enough, or perhaps a sign it needs more oversight since they resort to tactics like this. Bad business.
Product: Debt collection

Thank you for taking the time to review my concerns. While reviewing my credit report from all major bureaus. Enhance Recovery recovering an unfamiliar debt from XXXX XXXX XXXX XXXX has a collection debt of XXXX. According to FCRA requesting documents to support collection and not a phone bill
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. Act Name : Self Act Name : Act Name : XXXX XXXX XXXX Act Name : XXXX XXXX, XXXXXXXX XXXX, 15 USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681c. ( a ) ( 5 ) Section states, no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years. 15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Experian several times via phone online, and via first class mailings on many occasions in regards to several accounts that were placed in my name that did not belong to me and that I did not authorize or was not familiar with. I get the same results and I have had it, It makes it look very bad on my credit report, and reporting negatively. I am trying to refinance something on my credit report and it makes it difficult when theyre checking credit, and I have negative accounts that does not belong to me reporting inaccurately. I have disputed and reach out to Experian several times and they say the same thing over and over, The companies either need to send proof or validation or it needs to be removed. This account does not belong to me. I've done the FTC Identity Report XXXX, I've called and they've told me that their handling it and they received proper paperwork and I should see an update and I never do. The last rep I talked to stated she was in special handling, I haven't had any luck with this. the following accounts that are reporting are : XXXX XXXX XXXX XXXX acct XXXX, XXXX XXXX acct XXXX, XXXX XXXX acct XXXX, XXXX XXXX acct XXXX. When I file a complaint they instruct me to file dispute with them directly which I do just to keep getting the same results. I have even sent copies from XXXX & XXXX showing that they deleted items that Experian keeps saying verified. How can they all be using the same information but some bureaus are correcting items & the other is saying verified which is totally incorrect.
Product: Debt collection

XXXX XXXX credit karma bank contacted the irs without my consent and changed my direct deposit account with the IRS I have the documentation accepted at least 4 checks in my name 2 checks in my another 's name, they created an account that I had no knowledge of and no access but created in my name years later the Irs helped me to track down this money but credit karma has since closed the account to embezel the rest of the money XXXX is the total of the 4 checks I know about. I did manage to acquire a few statement I asked for the first and last statement the numbers don't make sense there's money missing before the account was opened. It's been about a year since iv started this loosing battle iv spent hours on hold with the IRS fraud dept, XXXX, FTC trying to get some help because I'm getting stone walled so far by XXXX XXXX who took my info when filing my taxes, XXXX  XXXX  took the money from the IRS and now credit karma possesses the money I'm fighting an up hill battle and all they have to do is lie to me and feed me XXXX  and keep me on hold and they win stealing from my family.
Product: Credit reporting, credit repair services, or other personal consumer reports

These items do not belong to me. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX  ACCOUNTS XXXX XXXX XXXX XXXX XXXX, TN XXXX
Product: Credit reporting

I recently reached out to Experian about unauthorized inquiries I found on my report. The agent I spoke to told me to file a police report for fraud. I went to the police department here in XXXX. I informed them of the fraud on my credit file and that I did n't give anyone permission to use my information. The desk sergeant told me that no crime was committed. She stated until I received a bill in my name, that there was nothing they could do about it. I spoke with Experian yet again and was told to file a complaint here. 
This is the list of inquiries that Experian refuses to remove that I did n't authorize. 
XXXX Due to never being supplied with verification nor validation of inquiries, I would like for them to be deleted according to the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wyoming XXXX i took a look at my credit report ans would like you to investigate this account XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX   XXXX, AZ XXXX XXXX. once you have completed you investigation, please delete this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a credit report from my bank that was submitted by TransUnion. The report indicated that my credit score of XXXX in XX/XX/XXXX was reduced to XXXX in XX/XX/XXXX and further reduced to XXXX on XX/XX/XXXX. All categories used to calculate my credit score reflected a XXXX XXXX with the exception of Inquiries. The report reflected a credit inquiry in XX/XX/XXXX when I applied to refinance my home and in XX/XX/XXXX for a line of credit that I did not apply for. According to TransUnion these two inquiries allowed them to reduce my credit score from XXXX to XXXX.
Product: Checking or savings account

i bank with capital one i have a XXXX checking account and i had my debit card stolen and things where purchased from my debit card and i my self did not make these purchases or use my debit card anywhere else the dates i gave to capital one where from XX/XX/XXXX all the until XX/XX/XXXX my card was stolen and capital one is not doing anything at all about this problem they have denied my temp credit i need to pay my bills and I'm left with nothing because some one had stole my debit card and used it to where i have no money I'm very frustrated because they have done nothing but tell me to write an email to them and i did that and still nothing has been done i hope that writing to you guys will fix this problem thank you for taking the time to go over this information
Product: Credit reporting, credit repair services, or other personal consumer reports

The questionable accounts specified below continued to report on my credit report despite the previous sent requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus last XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be validated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled as soon as possible : XXXX XXXX Balance : {$1200.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX - Claiming to be collection on behalf of Citibank. Citibank has not communicated with me - turned over to collections and I am now dealing with XXXX XXXX XXXX. Refuses to send me information about their company. Has asked where I work, my other bills, and has asked me for my Social Security number. Threatened to sue me, repossess my car if I ca n't come up with a settlement payment. Not willing to work with me, and keeps asking for my bank account information along with my social security number. I am now afraid this is fraud, and my identity will be stolen. I am not sure what to do at this point. I am scared.
Product: Credit reporting or other personal consumer reports

My credit report shows inquiries that I don't make, this are the inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

MY CREDIT WAS PULLED WITHOUT MY PERMISSION AND ACCTS ARE LISTED THAT I HAVE NO RECOLLECTION OF. 

BMW FINANCIAL SERVICES Date opened XX/XX/XXXX Account type Auto Loan XXXX XXXX XXXXXXXX XXXX  DATE OPENED XX/XX/XXXX XXXX {$95000.00} XXXX UPDATED XX/XX/XXXX XXXX XXXXXXXX XXXX DATE OPENED XX/XX/XXXX XXXX {$110000.00} XXXX UPDATED XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX {$2800.00} XXXX UPDATED XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX {$0.00} XXXX UPDATED XXXX XXXX XXXX XXXX Original creditor : XXXXXXXX XXXX Date opened XX/XX/XXXX ACCT # XXXXXXXX XXXX {$290.00} XXXX updated XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX  Date opened XX/XX/XXXX ACCT # XXXX XXXX {$1400.00} XXXX updated XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX OPENED XX/XX/XXXX XXXX {$22000.00} XXXX  UPDATED XX/XX/XXXX INQUIRY -- - XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX
Product: Debt collection

XXXX XXXX placed my account in collections and continued to report negative payment history after the account was listed in a CH XXXX bankruptcy proceeding that was filed onXX/XX/18
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect personal information on credit report