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

I contact the bank of America in Saturday XX/XX/XXXX XXXX about a transaction error in my business account from XX/XX/XXXX when this bank system cash the same check XXXX different times in the same mouth i speak to them over the phone for XXXX and few minutes they never get any solution about this issue them the issue get worst when and XX/XX/XXXX I receive a call from bank of America to tell me the my bank account ben compromise and the someone call them to make large transaction for {$14000.00} dollars and to informed the they aloud other to transitions to happen the other XXXX transaction for the amount {$7500.00} each so my account lose {$15000.00} dollars and they fail to stop this transaction the i need to do claim and wait for 90 days for the solution when they compromise my business account and personal information in Saturday XX/XX/XXXX because after i speak to them in Saturday I received a call from bank of America tell me the they like to help me when i tell them the my attorney will take over of this issue and end the call one minute after they call again and some member of this bank tell the he well closing my business account so bank of America fail to secure my business and personal information they lose my personal and business information in Saturday XX/XX/XXXX and bank of America have scammers working inside of the bank to get secure information and the fail to protect the information the they have this financial institution need to be!!!!! investigated.!!!!
Product: Credit card or prepaid card

I added my XXXX XXXX as an authorized user eight years ago. Now that he is an adult, card performance is reported to his credit report. He hasnt personally given authorization to the bank to use his credit report, and he is not financially liable for it. This does not seem right, ethical and does not seem a permissible practice under the Fair Credit Reporting Act. I contacted the Bank and they were dismissive and not willing to provide a response backed by existing laws and regulations.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2019 I got approved for a loan with XXXX. XX/XX/XXXX a payment was supposed to be paid to XXXX but I got an email from XXXX saying they now own the loan and I must go on their website to set up autopay. I was in the middle of driving cross country because I was XXXX  ( XXXX XXXX ) so I told them when I got settled I would. When I got settled I set it up but there was no XXXX  XXXX  in my area so my direct deposit was sent to XXXX XXXX XXXX XXXX. I tried to set up payment before then to come out XXXX XXXX  but they said if you late you can not do autopay or if payment is returned. Each month I went online to send payment but they still kept saying I was late. I finally talked to a decent Supervisor in XXXX who told me that XX/XX/XXXX I owed for XXXX so I was always behind one month and thats why it was 30 days behind and some auto pay set ups did not come out even though I did it online. She took of 1/2 of late payment. XXXX $ for each month which was XXXX. So she told me pay XXXX $ for late fees, XXXX, XXXX and XXXX payment, plus XXXX $ fee for 1 month extension and that would be 6 payments so they could set me up for a 1 month extension so that I would be caught up. Then she would make sure after that starting XX/XX/XXXX my auto pay would remain in effect and I wouldn't have to call again or be harrassed by them. 3 days later they were blowing up my phone saying I was 60 days behind and said they had no recollection of my conversation with supervisor. They then reported to the credut bureau I was 120 days late. So I told them stop harrassing me. Everyday they call over 10 times. XX/XX/XXXX a partial payment came out and I do not know why the full payment did not come out and they still reporting I have not paid.
Product: Credit card

Hello I want to know is there a refund posted in my account amount in XXXXXXXX XXXX, in XX/XX/year>. Card number ending XXXX
Product: Credit reporting or other personal consumer reports

Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information.

The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation.

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent.

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file.
Product: Debt collection

XXXX XXXX  has forwarded this account to this collections to get me to pay Im a victim of identity theft and not responsible for this bill
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair Credit Reporting act XXXX XXXX XXXX  Account # XXXX, XXXX XXXX I Account # XXXX, XXXX XXXX XXXX  Account # 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Checking or savings account

I was added to my sister 's bank account last year. I provided my social security number and proof of residence. 

I received a letter on XX/XX/XXXX that stated that I had to complete a Banking relationship questionnaire before XX/XX/XXXX to avoid closing of the account. The letter stated that the preferred method to complete this questionnaire was online ( by creating an account ), I could also call the XXXX XXXX branch at XXXX OR go to the nearest location in person. 

I am living in South Carolina temporarily, so I tried enrolling for online services but the system did not recognize my information. on XX/XX/XXXX, I called the local branch, I explained I needed to speak with someone in XXXX  to complete the questionnaire and they told me to wait for the teller. I waited 20 minutes and hang up because no one was answering. I called back and they told me I had to go in person- I explained the letter listed that I could complete the questionnaire by phone. They asked me to call the customer service number. I called the customer service number but then customer service told me to " demand '' an interpreter and that they could not help me answer the questionnaire. I called the branch back and now, no one picked up. 

I called another branch and the representative told me that she did not speak XXXX but even if she did, the questionnaire had to be answered in person or online! - I explained that there was no branch in South Carolina and she said to do it online- after I explained that my account would not be recognized, she asked if I was a permanent resident which I said no. She said- Ah it is because your social security number is not in our records because the bank does not add the social for non-residents. I explained that when I opened the account I provided my social. She said there is nothing she can do and that I would somehow need to find a branch or my account would be closed.
Product: Credit reporting

check system put an acct on their file that was taken care of in XXXX.
Product: Credit card or prepaid card

With Synchrony, let them know that my bank account information had changed and updated in its system. They continued to try and seek payment from the cancelled accounts, despite my letting them know, several times, those accounts had been closed. This caused me to get late payment fees and hurt my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

Portfolio recovery debt buyer XXXX XXXX XXXX XXXX XXXX See complaint # XXXX They did not respond to the fact that they ILLEGALLY are involved in the process of RE-aging dated XXXX XXXX. 
Remove this INCORRECT information from my Credit report or I am hiring counsel ; a Consumer Attorney to Litigate on this ILLEGAL practice.
Product: Student loan

I called originally on XX/XX/XXXX, too submit a refund on a loan payment I made in XXXX of XXXX. Representative told me it would be 7 business days for a refund and I asked her to update my phone number and address on file. Called back on XX/XX/XXXX since I had no update, took me 8 hours on hold to wait to talk to someone. She said my address was never updated and she had to update it again! Asked if there was an update since it was almost a month and I havent received any update. She said there is no new information she would provide too call back in the middle of the month and see if anything has happened. I dont have all day to be waiting on hold too talk to representative. I still have too this day not received my refund or an update. Emailed MOHELA and no response on their behalf and its been over 2 weeks that I sent that email.
Product: Debt collection

On XX/XX/XXXX travel to XXXX XXXX California, I lost my debit.card. went to the bank on XX/XX/XXXX to get a new card, and cancel my old card, the banker, at us bank provide me XXXX a new card he never cancel the old card, who ever found that card were available to use it, I don't noticed, until XX/XX/XXXX XXXX they start to withdraw money from atms, call and start a fraud claim, us bank fraud department close the case, arguing, I have two.de it cards, on my posesion, file a police report send it to them still they are not investigating anything, the same bank fraud state I use both cards, at same time on different states, such california, XXXX and XXXX wa, I did a little investigation went to the bank and ask for a second card all us bank branches were I ask for new card they told me they can't provide two cards on same account, also travel to California to the bank were I get new card and the bank manager told me that before I get a new card they have to cancel old card in order for them to pro ide me a new card, so was the banker mistake, until now I haven't get an answer, from them or a reimburse, they want me to investigate the fraud,
Product: Credit reporting, credit repair services, or other personal consumer reports

There is two collections in my credit report both from the same company XXXX XXXX XXXX I have no idea where this even came from I have already filed a identity theft report I want this off my credit report its preventing me from getting any findings needed to further build my business and my financial wellbeing please and thank you
Product: Money transfer, virtual currency, or money service

On XX/XX/2020 my husband and I sent {$650.00} to a woman who claimed to have a XXXX kitten for sale. She has an entire webpage and claims to be a breeder of 12 plus years with Marvelous XXXX Kittens. I reached out to her via email to ask about the kitten. She was very prompt and knowledgeable in her responses. Ultimately, after receiving pictures and having all of our questions answered, and feeling comfortable with her, we decided to purchase the kitten, and he was to be shipped to us. We were told to use Zelle for a payment method. I had never heard of this, however, we bank with XXXX and the Zelle option is in their app, which seemed legit. The transaction was made. The next day I received another email from her stating all arrangements had been made and the pet carrier would contact me with delivery. I received an email from someone claiming to be with XXXX XXXX XXXX, stating they had my kitten and were getting ready to fly him from Arkansas but before they proceeded they needed me to purchase an air conditioned pet crate. Options to rent/and or buy one were given in the email. The crates were upwards of {$1000.00}! The email stated that after delivery 98 % of my money would be refunded. This sounded incredibly weird to me and I told the lady that I wasnt comfortable with this and that this wasnt disclosed beforehand ; I had already paid {$650.00}, {$100.00} of which was to pay for shipping. She told me this was the carriers decision and there was nothing she could do. I told her then to please refund my money because I wasnt comfortable with what was going on. She never responded. I sent several emails and she has yet to respond to any of them. Obviously, my husband and I were dealing with a scammer. We filed a complaint with XXXX, because thats what Zelle said to do, that they werent responsible. Our bank got back with us and told us pretty much there was nothing they could do because the payment was made through Zelle, a money transfer service that they back! This is absolutely ridiculous! We got scammed and want our money back and nobody is responsible?! After doing some research, thousands of people are complaining of the same thing when it comes to Zelle, that they claim they arent responsible. How many more people have to come forward and tell about how they are being scammed and Zelle AND their banks are turning a blind eye, before a lawsuit is filed? I am so upset at all of this. I have every single email correspondence, the Zelle transaction and everything. The bank nor Zelle even want it! I have the proof! I even have pictures of the fake website she has created. How many others are there? I just want my money back. My husband and I have XXXX kids and this just isnt right. I need to know what my next step is because Im not letting this go. Its not chump change. Its {$650.00}! Someone has to do something.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX who is submitting this CFPB complaint myself. CAPITAL ONE BANK USA NA is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to CAPITAL ONE BANK USA NA but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you. 

( CAPITAL ONE BANK USA N XXXX )
Product: Checking or savings account

My citibank account was closed all of a sudden without any notice. and my money in the bank account is gone. I want to get my money back.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX Subject : Demand for Correction of Credit Report Inaccuracies and Compensation per Violation Any per CFRA as a federally protected consumer. I am now opting out of any and all authorization. I, the consumer may have given you written & unwritten, verbal & non verbal per 15 U.S. Code 1602. 15 U.S.

Code 6802, 15 U.S. Code 6804 15 U.S. Code 6805. 16 CFR 313 16 CFR 433.2 I am writing to bring to your attention the inaccuracies present in my credit report, which I believe violate my rights under the Fair Credit Reporting Act ( FCRA ) and other applicable regulations, including 15 U.S.

Code 1602, 6802, 6804, 6805, 16 CFR 313, 433.2, and the Privacy Act of 1974.

Upon my review of the credit report, I have identified These errors impact my federally protected consumer rights, as outlined in the aforementioned legal codes. 
ONLY : XXXXXXXX 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  - Inquiries - personal name reported as inaccurate per - personal date of birth - current address - previous address ( non mailable ) - employer - payment status - late payment - opened - reported - remarks - condition - original balance - last payment - status - creditor information - condition - loan term I hereby demand the immediate correction of these inaccuracies in accordance with the FCRA. 
Additionally, I am invoking my right to request {$1000.00} compensation per violation, for each and every reporting date associated with the discrepancies identified. 
IMPORTANT : I DO NOT WANT THE OUTCOME OF THIS LETTER TO HURT MY SCORE. 
I expect a prompt and thorough investigation into this matter, and I anticipate that the necessary corrections will be made without delay. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX ( XXXX ) XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing with grave concern regarding a derogatory rating that appears on my credit report. This negative mark has caused me significant distress and XXXX due to its detrimental impact on my credit standing. It has already adversely affected me, leading to the denial of a recent loan application as well as increased interest rates on my existing credit accounts. I can not overstate the severe financial hardship and emotional toll this inaccurate negative rating has inflicted, and will continue to inflict until it is properly remedied.
Product: Student loan

I have been fighting with XXXX for over 10 years about my student loans and now i am fight with navient for the same reasons. I was setting of my bank account to autopay my bills, I called XXXX and asked for their mailing address and I spoke to a customer service agent and asked her how much was i supposed to be sending each month she told me {$110.00}. For three months i sent XXXX XXXX dollars and then i notice that i had a posting on my credit report of late payments. SO i called XXXX again and that is when i was informed that the payment was to low. I went by what was told to me by their agent so why should i have to be penalized for her wrong information? THAT WAS XX/XX/XXXX ITS NOW XX/XX/XXXX i have been paying a XXXX to help me remove this from my credit report and ancient has ignore all correspondence from them and me. IT IS NOT FAIR THAT XXXX AND NAVIENT SHOULD BE REPORTING THAT I WAS LATE ON PAYMENT WHEN I DIDNT HAVE NAVIENT AT THE TIME.
Product: Credit card

The leadership for car put me in touch with Dignifi when I purchased the car for the down payment {$4000.00} I used {$3500.00} they said I had to pay by the next six months after that they will charge me interests on XXXX. I paid {$1200.00} plus the remain {$500.00} for a total balance of {$1700.00}. 
The problem is after six months they accrued my interest and late fees and now stated that my balance is {$970.00} and I owed them {$3000.00}. 
I thought that they will start getting interests this month with the remain balance of XXXX instead of recalculate the interest on the {$4000.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA, XXXX XX/XX/year> WEST CREEK FINANCIAL DBA KOALAFI  Attn : COLLECTIONS Department XXXX XXXX XXXX, XXXX XXXX XXXX, VA XXXX Subject : Request for Clarification and Compliance Regarding Charge-Off Account and 1099-C Dear WEST CREEK FINANCIAL DBA KOALAFI XXXX I am writing to formally address the handling of my charge-off account XXXX in accordance with applicable U.S. laws, including the United States Code ( USC ) and Internal Revenue Service ( IRS ) regulations .

It has come to my attention that the charge-off status of this account may require further clarification regarding the issuance of a Form 1099-C ( Cancellation of Debt ). Under 26 U.S. Code 6050P, financial institutions are required to report the cancellation of indebtedness if it meets the criteria outlined by the IRS. If XXXX XXXX has indeed forgiven or canceled any portion of my debt and reported it to the IRS via Form 1099-C, I respectfully request the following : 1. A copy of the 1099-C form, if one was issued for the alleged cancellation of debt.

2. Written confirmation regarding whether XXXX XXXX has relinquished all rights to collect on the debt after the issuance of the 1099-C, in accordance with federal regulations.

3. A detailed accounting ledger showing the principal balance, interest, and any fees applied prior to the charge-off.

4. Clarification on whether XXXX XXXX continues to report this account to credit bureaus as a delinquent balance after the issuance of a 1099-C, which may constitute a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681s-2 ) and IRS guidelines on debt forgiveness reporting.

Additionally, under the Fair Debt Collection Practices Act ( 15 U.S. Code 1692 et seq. ), I request written verification of the validity of any remaining balance you claim I owe. If the debt has been fully discharged and reported to the IRS as income, any further collection attempts may be unlawful. 

I request a written response within 30 days of receipt of this letter. Failure to provide accurate documentation may result in further action, including disputes with credit reporting agencies, complaints to the Consumer Financial Protection Bureau ( CFPB ), and potential legal remedies. 

Please send all correspondence regarding this matter to the address provided above. Thank you for your prompt attention to this request. 

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

I want XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX removed. Tried to dispute and I feel it wasnt properly investigated. Never received any documentation or information about investigation
Product: Credit reporting or other personal consumer reports

I mailed a certified letter to Experian, with all necessary documentation ( copies of driver license, social security card, bank statement ), that was received on XX/XX/XXXX to dispute incorrect name and address information appearing in my Experian credit report. After submitting this dispute, my Experian credit score dropped XXXX points ( XXXX to XXXX ) on XX/XX/XXXX for no apparent reason, while my credit score actually went up with the other CRAs. 
Additionally, Experian mis-spelled the correct address once it supposedly concluded the dispute on XX/XX/XXXX, causing a problem with my bank accounts and additional, inaccurate, names continue to be reported. I called and spoke to an Experian agent ( XXXX on XX/XX/XXXX ) to try and correct this error. She confirmed the information I provided and said she would initiate the correction. Again, I received another notification that the address information was updated on XX/XX/XXXX, only to find that once again, the prior, incorrect address is now being displayed on my Experian credit report along with incorrect, additional names. 
As you know, it is required for all CRA to report only accurate, valid and correct information on a consumer credit report. 
I also find that they are intentionally lowering my credit score for no apparent reason. 
Experian needs to display my correct name and address and cease from manipulating my credit score in order to damage my credit worthiness. 
I will provide documentation to support this complaint.
Product: Credit card

I was alerted, allegedly by Chase, that someone has opened a fraudulent account in my name. The account was for a Chase Freedom Card Unlimited. I was informed that the card is in North Carolina. ( I live in California, and have never lived in North Carolina. The person used my Social Security Number.

I was informed that my SSN has been made available in the public domain.