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

NOT A DUPLICATE COMPLAINT I am a customer of Bank of America and a fraudulent transaction in the amount of {$100.00} was posted to my checking account on XX/XX/XXXX. I was not aware of that fraudulent transaction until I went to the branch on the same day to make a cash deposit in the amount of {$92.00} and noticed on my deposit receipt my available balance was showing - {$0.00}, so I went inside of the branch and the representative directed me to call Bank of America and file a dispute and he would return my {$92.00} cash, however that refund was not done by the branch representative. I spoke with XXXX on the phone and filed the dispute, however, Bank of America is holding my temporary credit in the amount of {$100.00}, stating that since I had other claims in the past, they are not going to credit my account on the regular timing until they finalize the investigation, that could take up to 60 days, instead of 2 days. I spoke with several representatives since XX/XX/XXXX which includes XXXX, XXXX, XXXX, XXXX and XXXX ( on XX/XX/XXXX and XX/XX/XXXX ) and on XX/XX/XXXX I spoke with XXXX, XXXX, XXXX, XXXX and XXXX XXXX, but nothing has been resolved and every time I call and a note is put on my account by a representative, the situation is becoming harder to resolve. I asked several times to speak to a manager about this situation, but all the representatives above have refused to transfer me to a manager. Yesterday when I spoke with Bank of America, I was asked to wait until today to have the transaction completely posted, since the transaction was still processing and I would receive a temporary credit for that dispute once it completed or dropped out of my account. Today the transaction is showing posted and I was advised by all the representatives I spoke with and XXXX XXXX that Bank of America is going to hold my temporary credit due to other disputes I filed in the past. I also spoke with XXXX in customer services, but she started to display some angry behavior on the phone as we started to talk, so I thanked her and ended my conversation with her immediately. Bank of America is disregarding that the {$100.00} fuel charge posted to my account on XX/XX/XXXX is a fraudulent transaction and not a merchant dispute and needs to be handled seriously and on a timely manner, since my funds are being held on the fraudulent transaction. I have been treated by Bank of America representatives with disrespect and unwillingness to resolve my issue.
Product: Checking or savings account

I received an email on Thursday, XX/XX/XXXX that a checking and savings account was opened with truist bank and my email address was the receiving the confirmation emails that the accounts were created. I contacted the banks customer service and immediately filed a fraud report with them and they provided instructions on what to do in case personal information such as SSN were also breached. Afterwards I called the experian hotline to place a 1 year alert/freeze on my SSN in case that information was breached or other accounts could be opened. I have not received any emails or other contact from Truist since then
Product: Credit card or prepaid card

On XX/XX/2022 I basically have had a Target XXXX XXXX MasterCard for several years okay baby about I want to say three or four years ago we can paying them it started I got into it before the pandemic started off so I got into some financial hardship where I was unable to really pay them so I got in the payment program held up my end of the agreement and made the payments on time since then it's been about I want to say about 4 years later okay I received mail on XX/XX/XXXX and basically when I look for open my bill I still have a balance with them for {$4000.00} they cut my credit limit down again this is the second time that they did it Target is doing this out of XXXX I have been working very hard to get my credit up the part where did my credit has gotten really really good to the point that I just was approved and opened a XXXX credit card does she have to have a really high credit score I've been bringing a lot of my balance is down I haven't been late I haven't been told why either paid several of my accounts off with my credit score is is pretty good I feel it's a deposit he's doing this out of XXXX I've called them about this in the past and basically I get shunned away and say oh well you just have to read the mail why we're not going to admit we decreased your credit limit trying to say that I had seen any hide that two ratios trying to say that I had seen any inquiries in all of that and I'll be paid their basically doing it out of XXXX I have even and y'all can pull my credit report and are authorized all to see that as well I haven't even got credit line increases or several of my credit card because I've been making my payment and paying over and doing such a great job Target is doing this out of XXXX  and something needs to Don about the antics
Product: Debt collection

LCS FINANCIAL Keeps Harassing me. XXXX XXXX pulling my credit reports without Any my consent. asking me for records. calling my employer. he ran a credit check on my XXXX yesterday. told him va statutory i limit is 5 yers but he is not willing to listen. XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

There are multiple fraudulent hard inquiries reporting on my credit report that I have filed IDTR 's on and sent to Equifax. I sent the certified mail on XX/XX/23 and XX/XX/23 to have these removed, and they are still not complying. Due to these hard inquiries, they are disabling my opportunities to receive credit, and I am unable to get help from credit agencies. They are violating 15 USC 1681, 15 USC 1681a ( e ), and 15 USC 1681b ( a ) ( 2 ).

I have provided both certified letters that were sent and signed for.

I demand compensation for the violation of my consumer rights amounting to {$10000.00} for the amount of time and opportunity that Equifax has taken from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently obtained a copy of my Equifax Credit Report and notificed that inquires disputed had in fact been deleted confirmation number XXXX and XXXX but today I pull my credit and see where all the inquiries removed have been added back to my credit report and I wasnt provided any notice that they would add back please see attached proof that the inquiries were deleted and have been readied .... in addition a previously disputed collection item with XXXX XXXX XXXX account number XXXX disputed on or around XX/XX/2018 was deleted and communicated to CFPB Under report number XXXX however the account has now been reapplied to my credit report without noticed to me if the item was incorrect and unverifiable then it is also inaccurate and unverifiable now please see attached proof it was previously removed
Product: Debt collection

A number would appear numerous times a day on numerous phone numbers ( home, cell, work ), but never a message. Today I called the number back to determine who and what. I asked the lady to please tell me who they are and why they insist on calling many times a day without leaving a message. Her name was XXXX and she became very irate. After receiving her verbal abuse for about 4 minutes, I asked for verification documentation. She indicated they already sent the information. I asked her to verify the address. She told me she knows I got it, they have verification of when things are delivered, and I ca n't lie my way out of this by saying I did n't receive the documentation. She blatantly refused to verify or update my address. I admittedly did not react well, called her a few unfavorable names, and hung up. 

I called back and spoke with a very nice gentleman who agreed to update my address ( they had an incorrect address on file ).
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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. 


XXXX XXXX XXXX XXXX XXXX XXXX, North Carolina XXXX Investigation Request Letter To Whom It May Concern : I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. 
Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them. 
Accounts Account Name : XXXX XXXX XXXX Account Number:XXXXPlease investigate if every piece of information is correct. If not, please remove it from my credit report. 
Account Name : XXXX XXXX XXXX Account Number:XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Account Name : XXXX Account Number:XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Account Name : XXXX XXXX Account Number:XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report.

I also read where I can get the updated report after you investigate this from the Free Lawyer guy. Could you please send it to me? Also, please let me know who had access to my file as well. I want the investigation outcome to be sent to my address I put on the from area. 
Thank you for your time and help in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a credit card account with XXXX XXXX that was opened XX/XX/XXXX. I used this account while in college and my grandfather was a co-signer on the account. In XXXX, my credit card expired and a new card was never re-activated. Unknowingly to me, there were auto-charges for {$200.00} on the account that were still be executed by XXXX and another company I do not recall. These bills were being sent to my grandfather 's office in XXXX and were being paid. In XXXX, his office was sold after he passed away and a forwarding address was provided for mail that was delivered to that location. These charges were again executed in XX/XX/XXXX and I never received a bill or notice of late payment from XXXX or XXXX XXXX. I found out about the pending charges via a notification from XXXX XXXX that my credit score had reported. I immediately paid the bill in XX/XX/XXXX and closed the account. I then sent a dispute letter to the XXXX XXXX regarding the charges that were made on an inactive credit card and explaining that I never received a bill or notice of late payment to the forwarding address for my grandfather 's office. To this day, I still have yet to receive correspondence regarding confirmation that the bill was paid, which I requested the day I paid the bill and an additional time I called to follow up. According to Experian, XXXX and XXXX they have reported the account was closed but continue to report the account balance at {$270.00} ( principal charges and fees ) which I have confirmed is not true. Further, my dispute letter was sent to XXXX XXXX  in XXXX of XXXX and I have yet to receive any response to my dispute to the address I provided.
Product: Checking or savings account

In XX/XX/XXXX, BBVA Compass posted a special offer on their website that they would give new checking customers a {$200.00} bonus if they opened a checking account ( either online, by phone or in person ) by XX/XX/XXXX and made a direct deposit of {$300.00} within 60 days of opening the account. I opened a new checking account with them on XX/XX/XXXX and made a {$300.00} direct deposit from my paycheck on XX/XX/XXXX, therefore meeting with requirements to receive the bonus. The special offer stated that the {$200.00} bonus would be credited to the account within 60 days after all requirements were met. After the 60 days passed, I had not received the bonus, so I sent an online message to BBVA on XX/XX/XXXX to ask if they could confirm that I met the offer requirements and find out why I had not received the bonus yet. 10 days later they responded to confirm that I did open the account during the offer time period and did make a correct direct deposit in the account within the offer time period ; they also added : " At this time we have submitted an escalation to further review your account regarding the promotional credit. Please allow 24 to 72 business hours for processing. '' After the processing time passed, I had still not received the bonus, so I sent another message on XX/XX/XXXX to check on the status of the review process. There had been no response to my message by XX/XX/XXXX, so I called their customer service phone number and explained my problem to the representative ; she said it appeared I had met the requirements for the bonus and would create a ticket for the bonus to be credited to my account. I asked how long that process would take, but she said she couldn't give me a time estimate but it should be " in a few days. '' On XX/XX/XXXX, someone finally responded to my last online message asking for an update and said that I would need to visit a local branch for more assistance to receive the bonus. I then sent this final response : " This was an online promotion and visiting a physical branch was not a condition to receive the promotion bonus. There is not a branch in my area of the state. I've already been told I met the requirements to receive the bonus, yet it's been over a month since I should have received it. I'll be filing a complaint with the CFPB. Thanks for your assistance. ''
Product: Debt collection

XX/XX/XXXX I went to the emergency room at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Louisiana XXXX. Received care, my insurance ( XXXX XXXX ) paid all my medical expenses except the physician portion, which was due to incorrect billing and coding. XXXX XXXX requested that XXXX XXXX billing department correct the claim and resend a corrected claim. XXXX XXXX billing department never did and balanced billed me {$1700.00}. I have called several times stating they need to correct the claim. XXXX XXXX has sent them a cease and desist about balance billing me the entire amount, and they continued to harass me for an entire year. This month I received a statement from a collection agency that stated I have until XX/XX/XXXX to pay the entire balance or they will sue me. My Insurance broker XXXX XXXX has called XXXX XXXX billing department and they stated I have to pay the balance they dont care what the situation " seems '' to be. I have called and pleaded with them to send a corrected claim, and per XXXX they haven't resent the claim, and I'm not responsible for the balance, and I have the EOB stating that the entire amount was adjusted off for " Provider Discount '' meaning a denial for improper billing and coding. XXXX XXXX   billing department has violated medical billing and coding ethics. Please assist me with this issue
Product: Debt collection

XXXX XXXX XXXX amount of {$14000.00}. I have sent XXXX XXXX XXXX a debt validation on XX/XX/2017 and XXXX XXXX XXXX has not responded. XXXX XXXX XXXX then took me to court on XX/XX/2017. I have no knowledge of this debt.
Product: Checking or savings account

I attempted to open an account and was denied. When I asked why I was denied I was told by someone in the fraud department that I they could not help me and they couldn't tell me why. See attached email.
Product: Checking or savings account

This is in regards to the the complaint that was closed with explanation. I do not agree with the explanation as there is not a single unauthorized transfers in my account and none of my customers who have transfer funds into my account have file a complaint or needed a refund. 

I need to see which of the transfers Wells Fargo is claiming to be unauthorized. I spoke to the executive and theyre saying they know which ones are because there isnt none. 

Can I have a list of so called unauthorized transfers? Since its not reflecting in my account activity and none of the executives can tell me which ones are.
Product: Student loan

I had a starting loan balance of {$160000.00}, serviced by Aidvantage. I made a total of {$130000.00} of payments in XXXX and XXXX of XXXX ( {$25000.00} on XX/XX/XXXX, {$25000.00} on XX/XX/XXXX, {$25000.00} on XX/XX/XXXX, {$25000.00} on XX/XX/XXXX, and {$30000.00} on XX/XX/XXXX ), bringing my total student loan balance to {$60000.00}. I then made an additional payment of {$300.00} on XX/XX/XXXX, bringing my balance to {$60000.00}. 

I then received communication from Aidvantage that my loan was consolidated, and that my new balance is {$160000.00}, even though it should be {$60000.00}. Thus, Aidvantage knowingly falsified my new student loan balance and pocketed {$130000.00}, with the plan to collect additional interest on this falsified balance. In addition, Aidvantage did not even acknowledge my last payment of {$300.00} on XX/XX/XXXX. 

I have proof of every single payment made through my personal bank.
Product: Payday loan

there was a loan with check n cash and XXXX finance in my name and i didnt authorize a loan in my name. the company did not ask for any address, identification, or income verification. They said it was sent to an XXXX and i do not bank with XXXX. I called the bank but they have no account in my name
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon checking my credit report I still see that inaccurate information on me is reporting. 

On XXXX, my name is not XXXX XXXX, my name is XXXX XXXX My address is not : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX On Experian, my name is not XXXX XXXX, my name is XXXX XXXX My address is not : XXXX XXXX XXXX XXXX, OH XXXX On XXXX my name is XXXX XXXX and not XXXX XXXX My correct name and address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In 2017 I was affected by Equifax 's data breach and classified as a

Fraud victim and placed on the extend fraud alert. As stated o
n the FTC 's website, Equifax 's website and the CFPB 's website : A fraud alert requires creditors, who check your credit report, to take steps to verify your identity before opening a new account, issuing an additional card, or increasing the credit limit on an existing account based on a consumer 's request. When you place a fraud alert on your credit report at one of the nationwide credit reporting companies, it must notify the others. EQUIFAX FAILED TO NOTIFY OTHER CREDIT BUREAUS which led to my information being compromised yet again. I put a Security freeze on my accounts. 

Under the

15 USC 1681b- PERMISSIBLE PURPOSES OF CONSUMER REPORTS ( a ) in general, subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) in accordance with the written instructions of the consumer to whom it relates. Under 15 US Code 1681b Permissible Purposes of consumer reports I never gave you any written consent to report. Reporting inaccurate personal information on all 3 reports after I requested that the information be removed. I sent letters to all 3 agencies asking for this information to be updated and I will follow up with another letter regarding this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have tried to open accounts in the past and theres some type of fraudulent activity on my report
Product: Credit reporting, credit repair services, or other personal consumer reports

The response given is based of recent events. Authorization was recently given however in XXXX, XXXX and XXXX they would not speack to XXXX XXXX with out my ok. I couldnt give an ok cause I was in the hospital in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Even on the phone call today on XX/XX/22 the representative would only let XXXX talk about one of the 3 accounts since she wasnt listed in the other 2.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/ I bought a car from car hop in XXXX, Colorado. I owned the car for 4 months. 3 of which it was in the shop for major repairs. One of which was " fixed '' before I bought the car. I was told by service company it was never touched. In which case it was a timing chain. The car had car hop warranty on it. I wasn't even close on running out of warranty. After taking my car to the shop several times I became very frustrated. I was paid ahead on payments by a month. The company told me they'd stop my auto payments for a month. As if they were helping me out. But beings I was paid ahead it wasn't a help. They car wouldn't start. They gave me an offer to take a portion of my money back or choose a different car. I had already bought a different car two weeks before this. I had to as I could risk losing my job. XX/XX/. I missed work over this car as I had no way to get there and is a 60 mile round trip. I decided to take my money back. I had XXXX late payments. Now it's reported as a closed/charged off account. Dropping my credit score over 100 points. I called car hop and they said they had to report it that way to get it off their books. But the next month it would reflect as a non derogatory mark. That was at end of XXXX. It is still being reported as a bad mark. Besides being lied to on how they have to report it. You have to report it bad before you can report it Good? This company is fraudulent. This is not a chargeoff because I didn't pay them. They settled with me knowing I had a warranty claim on them. Then they knowingly reported wrong information and damaged my credit over it. 

Thank you, XXXX XXXX XXXX
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 confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number # XXXX, Account Name XXXX XXXX XXXX XXXX XXXX XXXX Account Number # XXXX, Account Name : XXXX, XXXX, Account Number # XXXX, Account Name XXXX XXXX XXXX XXXX, Account Number # XXXX, Account Name XXXX XXXX XXXX XXXX Account Number # XXXX, Account Name : XXXX XXXX XXXX Account Number # XXXX and Account Name XXXX XXXX XXXX recovery and Account Number # 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.

15 U.S.C 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 item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information inaccurate.