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

I rented a car through enterprise. They told me they would add a 300 dollar charge for security deposit and that when my reservation was over I would get it back to my us bank debit card.

A few mornings after I rented and now have the car, I woke up to my account saying 0. I called 24hr customer service and they informed me my account had been closed and the balance would be mailed in a check. I asked him about the security deposit and he told me to contact the branch manager that ordered the account closure. I called the branch manager the next morning and tried to figure out what was going on. She was so rude and nasty I was stunned. 
I couldnt believe she got the job because she was so ignorant and ghetto and Im XXXX so Im of the same ethnicity. I was being really patient and nice and she was just being rude and acted as if I was nothing. She had a full meltdown and tried to speak condescending and using baby talk ironically. It was really disturbing from a bank in the XXXX area. I told her I had kids and that I didnt know how they were going to eat while I wait the week for the check and she would just talk over me like YOOOOOUUUUURRRRR ACCCOOOOOOOUUUUNT IS CLOOOOOOOOOSED just really odd and unprofessional. I wasnt protesting the closure. I was trying to find out what will happen to my XXXX security deposit. The rental company told me they will only credit the account that has been closed. No other form of credit will be issued for my security deposit. 
They are not flexible to my situation either in terms of trying to change the card they will credit the {$300.00} but at least the people at the rental company were nice about it. Is there any hope for me? The rude manager was named XXXX. XXXX XXXX, IL branch ) I notified them that I would be filing with the cfpb as well as the ftc. I dont understand if they woke up on the side of the bed or what.
Product: Credit reporting, credit repair services, or other personal consumer reports

Why are you requesting the same information I have already provided to you my identification verification and bill in my original correspondence to you, which leads me to conclude that you are intentionally violating my right to privacy. Nonetheless, I and sending you the information again with supporting documentation. Your agency is violating my right to privacy. The laws you are violating are clearly stated here. The civil liability law under which I will sue is identified here. Moreover, this is false reporting bcs this item was not furnished to you by the courts, or do you list the actual furnisher which violates the FCRA 15 Ucs 1681 but rather you purchased this negative information for profit. If you have no plans to share the profits of purchasing my data, then I DEMAND YOU TO PERMANENTLY DELETE FROM YOUR RECORDS.

Violation : Pursuant to 42.56.070 Public records can only be used for Academic research and can not be used for commercial purposes.

Violated 15 USC 1692j ( a, b ) ; Furnishing certain deceptive forms. ( You are not a party in the alleged debt ) 15 U.S. Code 1681b - Permissible purposes of consumer reports Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances or no other.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Note : You need my written consent to add anything to my consumer report and I did not give this authorization therefore you are in violation of the Fair Credit Reporting Act 12 CFR 1022.3 Definitions Identity theft means a fraud committed or attempted using the identifying information of another person without authority.

Anything added to my report without my written consent could be considered Identity theft.

Pursuant to15 U.S. Code 6805 - Enforcement ( a ) In general Subject to subtitle B of the Consumer Financial Protection Act of 2010 [ 12 U.S.C. 5511 et seq. ], this subchapter and the regulations prescribed.

thereunder shall be enforced by the Bureau of Consumer Financial Protection, the Federal functional regulators, the State insurance authorities, and the Federal Trade Commission with respect to financial institutions and other persons subject to their jurisdiction under applicable law, I have the right to opt out of anything in my report at any time and the companies must comply as soon as reasonably practicable after receipt of this notice.
Product: Credit reporting, credit repair services, or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT .THE ACCOUNT BELOW HAS VIOLATED MY FEDERALLY PROCED CONSUMER RIGHS.

UNDER 15 USC 1681 SECTION 609 CONSUMER RIGHT I HAVE SUBMITTED THIS LETTER TO ALL THREE CREDIT BUREAU EXPERIAN FOR ACCOUNT XXXX AND XXXX XXXX USE THE NUMBER XXXX BUT SAME ACCOUNT WILL NOT TAKE OFF MY CREDIT REPORT. THE COMPANY DONE A INVESTIGATION.I SENT THIS LETTER TO BUREAU THEY WOULD NOT TAKE OFF. ON MY REPORT THEY STARTED PUTTING THE ACCOUNT WITH THIRD PARTY PEOPLE BUYING THE BILL FROM DIFFRENT ONES WITH DIFFRENT ACCOUNT NUMBERS BUT THE SAME BILL THE INFORMATION IS ALWAY INACCURATE WITH WRONG AMOUNT AND THE ACCOUNT NUMBER CHANGES 15 U S C 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 HAS REASONABLE CAUSE TO BELIEVE THAT THE INFOMATION IS INACCURATE.
Product: Mortgage

In XXXX, Wells Fargo foreclosed on my house at the above address. I have been trying to buy a house, but Wells Fargo is reporting negatively on my credit. I have called them multiple times, but no one will tell me why Wells Fargo thinks I owe them money. I should not owe on a deficiency because Wells Fargo failed to pursue that course of action within XXXX months of the foreclosure. I do not believe I owe them anything.
Product: Bank account or service

I opened up a CitiGold checking account back in XXXX XXXX using a promotion that would give me XXXX XXXX XXXX miles once I 've made XXXX bill pays and {$1000.00} in purchases on my debit card. I completed the requirements and had n't seen my points post yet. I submitted a secure message around XXXX XXXX and the rep confirmed that I would see the miles posting within 60 days. It has been over 4 months and I still have not received my miles.
Product: Checking or savings account

I received a 1099 Interest Income form from Bank of America for me to pay taxes in XX/XX/XXXX. It was from my deceased sister 's Bank of America account. I did not know my deceased sister had another account with funds in it since she had passed away in XXXX. Receiving the 1099 INT showed me that funds had been accumulating interest without my knowledge in the year XXXX, at least, and not including XXXX or XXXX, and Bank of America never told me about the existing account since my sister passed away in XXXX. XX/XX/XXXX, I called Bank of America and spoke with representatives who told me to open a fraud claim with Bank of America by notarizing a Small Estate Affidavit and emailing it to them. I emailed notarized Small Estate Affidavit to their Estate Services Operations on Tuesday, XX/XX/XXXX at XXXX. I called 48 hours later, as instructed by them, to initiate a claim. After speaking to many representatives over several days, nothing was started and I was always pushed off onto another representative. I asked them why they didn't tell me about my sister 's account when she passed away in XXXX and they hung up on me 3 times. I asked them to send me a check for the amount in the account. I asked them how much was in the account. I asked them what the interest rate was for the account. I asked them for a statement from the account. I asked them why I'm paying taxes on my sister 's account that I was supposed to receive inheritance funds from, but never received. I told them I can claim entitlement to the funds in my sister 's account as a surviving relative. They didn't answer any questions or concerns. They just dodged my questions or hung up on me. They lied that I spoke to someone that I did not. They lied it was a prepaid account when prepaid accounts can not accrue interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I noticed significant drops in my credit score ( XXXX XXXX, XXXX XXXX ) since XX/XX/XXXX. I discovered that my XXXX credit card account had been transferred from XXXX XXXX to Capital One without my explicit consent. The account transfer resulted in autopay settings being reset, and two subscription charges ( XXXX and XXXX ) went unpaid. I contacted Capital One on XX/XX/XXXX, to resolve the issue, but they insisted I should have been notified of the transfer and changes. 

I sent a letter to Capital One 's credit dispute department on XX/XX/XXXX ( attached ), asking them to expunge the delinquent marks and notify credit bureaus of the correction. Capital One responded, stating they found their report to the credit bureau accurate and no further action was needed. 

I reject this conclusion as I never consented to the transfer, charges on the new card, or voiding of my autopay settings. 

The impact of a damaged credit score can be financially debilitating. I urge Capital One to review all reported payment delinquencies during the transfer of accounts from XXXXXXXX XXXX to Capital One. Financial institutions should obtain explicit consent for account transfers and be required to carry over previous account-level agreements like autopay settings. Credit scores have significant socio-economic consequences, and the process should not be treated lightly.
Product: Checking or savings account

I work for the XXXX of California as an XXXX XXXX. I received XXXX payroll checks written out to XXXX XXXX XXXX and tried to deposit XXXX of them at Bank of America in XXXX on XXXX XXXX on XX/XX/XXXX. 

The name on my BoFA account is XXXX XXXX. XXXX check was in the amount of {$450.00} and I deposited those funds at the XXXX, CA branch because their system would not accept the mobile or ATM deposit. The day I deposited the funds the teller was reassured by the other teller that because my initials matched the name on my account it would be fine. A few days later the check was returned to me even though the initials match the name on my account. 

On Monday, XX/XX/XXXX, I called BOFA to understand what happened and 2 different agents told me 2 different things. One agent told me that I could just go down to the local branch and add a nickname on the account. I was later informed by an agent who worked at the XXXX, VA branch where I was traveling for work that that was incorrect. Another agent in South Carolina told me that I could go and cash the check because I had enough money in my other account. When I went into the XXXX branch this afternoon ( XX/XX/22 at XXXX XXXX ), I was told that wasn't an option and there was nothing they could do with the checks. 

There are a number of unresolved issues related to the check deposit. They are as follows : 1 ) I was provided with incorrect information multiple times both at XXXX and thru the National lines. 
2 ) I cant cash the other check that I have from the state of California even though the California state controller verified that both warrant numbers that I list in this email are legit. XXXX XXXX XXXX who is my employer and issued the checks along with the CA XXXX XXXX have reassured me that this shouldnt be an issue bc a ) as the funds are issued by warrant directly from the state itself and b ) no one has ever had a problem at the university or who works for the state has ever had this issue. For reference, the warrant # associated with this check is XXXX in the amount of XXXX. 
3 ) The original check that I was issued is now lost in Bank Of America 's system. It could take up to 2 weeks before I receive it and even when I do, I'll be in the same predicament as described in item # 2 above and won't be able to cash the check. For reference, the warrant # associated with this check is XXXX in the amount of XXXX. 

In short, there has been no resolution. I have one check that is in hand that can't be deposited and another that is floating around in BOFA 's system that will hopefully be returned to me in a timely fashion that I still won't be able to cash. So, currently, I am the only state employee in the history of both XXXX XXXX and the state of California who can not cash or deposit their State of California payroll issued check at Bank of America.
Product: Credit reporting

I disputed an incorrect collection/delinquent account from XXXX XXXX, Acct. No. XXXX. I have letter ATTACHED FROM XXXX STATING IT FILED AMENDMENTS WITH ALL MAJOR CREDIT REPORTING AGENCIES TO DELETE THIS ACCOUNT FROM MY CREDIT REPORT. I have attached that letter to this complaint. Transunion did not remove the item from my credit report. Transunion did not provide any documents supporting its refusal to delete, as I requested and as required by the FCRA, it just said the item was 'verified ' without any supporting documentation. I request you to resolve this issue with Transunion to remove the item from my credit report, as instructed by the creditor in writing on the attached letter. Thank you. Please notify me of any action taken, XXXX XXXX, XXXXXXXXXXXX ; XXXX XXXX XXXX, XXXX XXXX, CA XXXX. Thank you.
Product: Credit reporting or other personal consumer reports

I am very upset that Synchrony Bank is reporting an account on my credit report in duplicate. It is the same account illegally reporting in duplicate stating that I owe {$1400.00} on XXXX and {$1600.00} on the other. I have only XXXX account with a balance of {$1400.00}. 
I have a balance {$1400.00} with Synchrony Bank/ Pep Boys and any other account or balance reporting should be REMOVED as any other account is False. 
( Screenshot Attached )
Product: Mortgage

I am currently in the process with Wells Fargo for a mortgage. 
I told Wells Fargo that some of the information is inaccurate on the report and all items are at a {$0.00} balance but not reflected on the report they have. I asked them to re-pull an updated report, they are telling me that they are not allowed to update my report unless it expired. This will cause me to have a much higher interest rate. 
According to UDAAP this is also highly discriminatory as numerous other Wells Fargo customers normally update their credit reports to reflect updated and more accurate information. If they thought the updated information was negative they would immediately update it. Since the information is positive they are discriminating against me so they can charge a higher rate.
Product: Vehicle loan or lease

I signed a loan for my children to buy a truck through Santander ( #  XXXX  ) and although we 've paid them in excess of {$30000.00} for a {$17000.00} loan... they 're showing it in collections on my credit report still owing {$5200.00}. When the kids were late, they took all our payments to bring it current and pay it off, but never applied them to the balance and have left the collection sitting out there hurting my credit to buy a home with the VA.
Product: Money transfer, virtual currency, or money service

I purchased a {$5.00} dollar item on XXXX, I thought I paid by PayPal, which I usually did and paid with my own bank account linked. However, next day I got a call from XXXX XXXX  ( my credit monitoring tool I use ) regarding my hard inquiry activity. I checked the hard inquiry company, it is PayPal Credit, they opened an account with my {$5.00} dollar balance without my consent, and requested a hard inquiry on my credit profile. What in the world would I open a credit account with {$5.00} purchase? So I called them to close my account right away the next day. I requested to remove my hard inquiry on my profile, they told me to fax over my information. I did fax over. I asked to confirm if they receive my fax, the customer service replied 1 week later, told me they did not receive my fax doc and informed me to fax to different fax #. I am not happy with the speed of their customer service and why did you tell me to fax to one number, then to different next week.
Product: Debt collection

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. 
Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and  will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found. 

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE
Product: Bank account or service

I was using overdrawn my bank account and did n't had a change to pay and cover is up. Because i was on vacation, wen I return and try ti make the payment my bank is being report to early warning are ready so I ca n't open any bank. So i wan to get removed from early warning so i can open a bank again. I need a bank so my parents can able to send me money to used it and able to make payment plus to rent a place to stay.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX, IN XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$490.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$11000.00} ;
Product: Payday loan, title loan, personal loan, or advance loan

I made an XXXX purchase on XX/XX/XXXX using my Affirm account. The total of the actual purchase is {$110.00}. 
Affirm is charging me for a purchase of {$130.00} which is how they are basing my interest off of as well. 
I also returned an item ( {$19.00} ) which then brought my purchase total of {$94.00}. 

Affirm is refusing to make the changes to match the actual purchase amount and correct the interest i am being charged. I have been ran around by multiple people there and finally submitted a dispute in writing. The result was to give me a credit of {$16.00}. However they are still charging me interest off the {$130.00} and still have not processed my refund processed on XX/XX/year>2024 for the {$19.00}. 

I have tried to call several times and i am not able to get anyone that has ability to assist me. I get told it will take an additional 10-90 days to get my refund. 

in the mean time i am making payments based off an incorrect charge and interest bearing off incorrect purchase amount. 
I filed my dispute with Affirm and supplied them with all the attached documents i have here for you to review. i am not sure how they are not allowing this to be corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm member of XXXX who report my rent being paid each and ever month to all credit bureaus. XXXX, Equifax and XXXX to earn my credit scores from all three of rent being paid. My credit scores hasn't been increasing of my rent being paid each every month. My credit scores should at least be XXXX for me to qualify for home loan. I feel i am being held back from qualify for home loans. Maybe because of my XXXX, XXXX, age, XXXX, martial status. To qualify for home loans.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by the silence XXXXXXXX XXXX XXXX ( XXXX  ) XXXX XXXX presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exists. ( Please remove this account before I seek litigation for defamation of character ). XXXX XXXX {$16000.00}, XXXX XXXX  Balance {$470.00}, XXXX  XXXX Balance {$500.00}, XXXX XXXX XXXX XX/XX/year>, XXXX XX/XX/year>, XXXX XX/XX/year>, XXXX XXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding an inaccurate item on my credit report that continues to negatively impact my credit. 

Despite my efforts to resolve this directly with the reporting agency, it remains unresolved. I request immediate investigation and removal of this item, as it is incorrect and does not reflect my true credit. Under Regulation F they continue to state this account is open.. which is negatively affecting my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a credit card from Bank of America with a XXXX XXXX limit ( account number XXXX ). The last time i used the account was XXXX. In XX/XX/XXXX the account was closed by Bank of America claiming i owed money that i disputed. The derogatory item remained on my credit reports for almost seven years. It then disappeared in or about XXXX. The account remained closed as of XXXX i have never used the account ever again. 
In early XXXX the same account surfaced again on my credit report in XXXX showing a late payment in XXXX. Obviously i have not used it since XXXX and XXXX was the last time account was used. After disputing it with the credit bureau, I called Bank of America. They confirmed that the item is from XXXX. But refused to remove it without any explanation. 
It affected my credit score and ability to secure loans.
Product: Debt collection

I am writing to formally request the removal of medical debt from my credit report. 

According to the recent federal regulations and guidelines from the Consumer Financial Protection Bureau, paid medical debts should not negatively impact consumers ' credit reports. As this debt has been settled, I respectfully request that it be removed from my credit history. 

Thank you for your attention to this matter. I look forward to your prompt response and the resolution of this request. 

Sincerely, XXXX XXXX