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

I am a Bank of America Customer. Sometime around XX/XX/2018 two new  accounts were opened in my name without my knowledge or approval. 1 Checking account and 1 savings account. I called Bank of America to notify them of the issue and possible identity theft and/or fraud. I asked for the following information : Who opened the account? 
When was the account opened? 
Where was the account opened? 
what identification documents ere used to open the account? 
What steps were taken to verify identity? 

These questions are important to me because I need to know if someone has access to my personal information and is using it in a fraudulent manner. BOFA said they would open an investigation but, to this date, I have not heard from anyone. Calls to BOFA for information have resulted in nothing. No one seems to know what is going on. I need answers to these questions right away and I can not afford to wait any longer. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719tXXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXXXXXX XXXX XXXX daughter  PLEASE HELP ME PLEASE
Product: Credit reporting, credit repair services, or other personal consumer reports

I've reached out to TransUnion on many occasions to remove inaccurate Credit Bureau Inquiries that are on my Credit Report. They advised they could not remove inquiries, even though these inquiries are fraudulent. I would like the following inquiries removed due to me not applying for these accounts. 

XXXX. XXXX XXXX XXXX : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX. XXXX XXXX : XX/XX/XXXX XXXX. XXXX XXXX : XX/XX/XXXX XXXX. XXXX XXXX : XX/XX/XXXX By removing the above inquiries associated with the dates above, will resolve my issue completely. All other inquiries on my Credit Report are accurate as I've applied for the remaining accounts on my Credit Report.
Product: Credit reporting or other personal consumer reports

When I checked my credit report this morning, I was surprised to see inaccurate accounts listed, and I have no idea how they appeared. I regularly review my credit report, but this time, there were unexpected discrepancies. I even tried refreshing the page, thinking it might be a minor glitch, but the errors persisted. Because of this, I kindly request that the documents I submitted be thoroughly examined to prevent any future concerns.
Product: Vehicle loan or lease

I have a out dated account on my credit report and I have tried to get them to updated report like other 2 bureaus did both XXXX and XXXX both removed this items but XXXX continues to report this outdated information I need it removed ASAP
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/22 Complaint # XXXX. 

XXXX XXXX XXXX- {$770.00} Description : XXXX XXXX XXXX has written and called, and has reported this inaccurate information on my credit. I have disputed these account online several times. The last letter from XXXX XXXX XXXX was on XX/XX/22. This company has violated these laws : 15 U.S.C. 1681 section 602 A. States I have the right to privacy. 15 U.S.C. 1681 section 604 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15U.S.C. 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive tried several times to get Experian to remove a bankruptcy that is not mine and cant be verified. Experian wont allow me to dispute this inaccurate information anymore. Ive attempted to dispute over the past 2 years
Product: Credit reporting, credit repair services, or other personal consumer reports

Account # XXXX Mortgage with USAA / XXXX. XXXX & XXXX XXXX We have had an outstanding payment performance with XXXX for our Mortgage payments. We were notified in XXXX that USAA was selling their Mortgage to XXXX XXXX. We called and asked if there was anything we needed to do and we were told No, that it would be a seemless transition. It was anything but seemless. We were told our direct deposit of our checking account would switch from XXXX to XXXX XXXX. When I checked my credit report it showed late payments from XXXX XXXX. We called XXXX XXXX and and found out that those payments did not get directly deposited into our new Mortgage with XXXX XXXX. In order to make our account current we made a XXXX time payment of {$13000.00}. which made our account current on XX/XX/XXXX. Today I saw that the credit report was now showing that XXXX was delinquent. The woman I spoke with today sent me our transaction history and it indeed shows our account was made current on XXXX, XXXX. The credit report is showing that we have an outstanding balance with USAA XXXX of {$8900.00}. when if fact that was all paid and then some to XXXX XXXX who now owns the loan and we have set up automatic deposit. We do not owe {$8900.00}. look at the account, it is current and yet our credit score continues to go down and you folks have not adjusted the outstanding balance. We are interested in refinancing or taking out a home equity loan but this has killed both me and my husbands credit scores. Please update your records and remove the deliquent months of payment so our credit can get back in good standing. I have talked to no less than XXXX people between USAA and XXXX XXXX. No one could give me an explanation and I was told to schedule a dispute. If this isn't taken care of we will be taking our business elsewhere. I have spent 3 days on this matter which should have been resolved in one phone call. 
Thank you in advance for your attention to this matter. 
XXXX XXXX XXXX
Product: Debt collection

Darvin Furniture is attempting to collect a debt that is well beyond statue of limitation in Il. I do not believe I owe what they say I owe. Therefore, I dispute this debt. Therefore, should they decide to pursue this matter in court, I intend to inform the court that I dispute this debt and that the statute of limitations has expired. This letter is your formal notification that I consider this matter closed and demand that you, and everyone affiliated with your company, stop contacting me. In the future, you may contact me only to advise me that you are ceasing your debt collection or that you or the creditor are taking specific actions allowed by law.
Product: Checking or savings account

RE : USAA Federal Savings Bank. On XX/XX/XXXXXXXX  I went to check my checking account online to see if a check had cleared. The account was missing. I called the bank and was told the account was closed and a check had been mailed. The only explanation they gave me was that I had left off my birthdate on a document they had requested. There were approximately 12 pages which I had uploaded per their instructions. My copy of the documents requested show the birthdate. My balance at the bank was approximately {$120000.00}. I have not received the check as of XX/XX/XXXX. I have been a member of USAA since XXXX and had insurance with them ever since. I opened a banking account when they started the bank. I don't remember the date. I was never contacted regarding the closing of my account. No phone call, no text message, no email. I have everything on auto-pay, auto deposits. I have already been charged {$15.00} when my auto-pay to XXXX XXXX credit card was returned. My auto-deposit of my Social Security has been returned and can't be changed to a new bank account until the XXXX payment.
Product: Checking or savings account

I opened up the PNC Virtual Wallet checking account in a physical branch in XXXX, NJ on XX/XX/XXXX. At that time, I found a promotion online that PNC runs regularly, in summary, open a new Virtual Wallet account, direct deposit at least {$5000.00} into the spend account within 60 days, and receive {$400.00} as a reward. The promotion terms stated that this account could be open online or in participating branches. 
When I was opening the account at the branch, the representation confirmed that yes, they have that promotion going on, and confirmed with her back office and manager that the promotion will be associated with my account. 
I completed the requirements associated with this promotion via a {$5000.00} direct deposit into my Spend account. This was confirmed on the official statement from PNC Bank as a DIRECT DEPOSIT noted on the statement for XX/XX/XXXX ( attached ). 
I have brought up this issue with PNC Bank via phone called on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. They said they will look into it, but generally not been helpful. The terms state that the reward will be paid within 90 days of completion, but it has been close to 150 days.
Product: Credit card or prepaid card

I ordered the XXXX album and instead I received a movie in the mail on XX/XX/XXXX. I purchased the album for {$39.00}. I sent an email to the merchant : horrormerch.com and got an automated response saying they will contact me and never did. I filed a dispute with my credit card company and they still demand more information on the dispute after I fully explained what happened and they reversed the credit that I was entitled to. XXXX sent a fake shipping label to the credit card company claiming it was them who sent the item, whereas in real time I had no clue as to whom it is from. There was no return company name or anything on the package. The credit card company is deceptive -- stated they would close the case on XX/XX/XXXX and did not. I attached documentation to support my case. It includes a letter I sent to citi credit card company and still they refused to close the case fairly and in a timely manner.
Product: Mortgage

Select Portfolio Services abruptly terminated my automatic monthly payments and refunded multiple payments without notice. When I called, I was informed the home equity loan expired/matured and I immediately owed the entire balance. Select Portfolio Services was predatory, unfair and discriminative in it's lending practices with me. Their communication was misleading with repayment terms, options and offerings. The penalties and fees associated with the loan are excessive and inaccurate. These penalties and fees were forced on me by Select Portfolio Services ' predatory actions. Select Portfolio Services referred my mortgage to XXXX XXXX XXXX XXXX to proceed with foreclosure proceedings. I called XXXX XXXX XXXX XXXX at phone number XXXX to again dispute the debt and request detailed information of the original creditor. The phone number is strictly a dial by name directory service. I again reviewed the vague letter I received from the XXXX XXXX XXXX XXXX. Their letter was also misleading communication and misrepresented facts. The letter states to call or write by XX/XX/2024 if I dispute the debt and if I want to ask for information regarding the original creditor. Their legal letter fails to provide a name or any attorney contact information to use thier phone number that is restricted to dial by name directly only. I was never routed to an operator. Select Portfolio Services and XXXX XXXX XXXX XXXX are forcing excessive fees, penalties, communicating deceptive repayment terms and acting willful and wanton to restrict my rights as a consumer.
Product: Debt collection

XX/XX/2020 XXXX Rausch Sturm Israel Enerson & Hornik LLP is representing XXXX XXXX ; Called and was on hold 10 minutes and response said to leave message i.e left message they are calling wrong number, the person they are looking for is not at this number ( XXXX ) and I am not that person. ( XXXX XXXX XXXX ) I do not know that person. Have their Client XXXX XXXX Remove my number from their system and do not call again. I have informed XXXX XXXX of the above information and to remove my number fro their system and do no call it again. I have had this number for over 8 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts and payment history information listed on my Equifax credit report is fraudulent and is not my accounts or payment history : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and MN Child Support Enforcement
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX I wanted to inform all parties that in the last thirty ( 30 ) days that I have contacted the Federal Trade Commission. I explained in my letter to you that, you, none of your action have complied with any of the Laws under the FRCA Laws 605b Identity and 609A1 E2 Validation and Disclosure, 623 A1 Responsibilities of the furnisher of information.

I am demanding that you remove all inaccurate accounts from my credit profile in the next five ( 5 ) days or I will have no other recourse but to file an injunction against your agency under 617a1 which makes you financially liable for each inaccurate account. Also, under 616 Section A liability for willful non-compliance, your agency has yet to respond to my questions and statements of the Law. 

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 bankruptcy XXXX # XXXX
Product: Mortgage

My auto payment per month to the LOANCARE company is {$1800.00} but in XX/XX/XXXX they charge me {$3600.00}. So I call them and they said they wo n't charge me in XX/XX/XXXX but they still charge me in XX/XX/XXXX that make me spend over budget and I have to pay the over drafting fee. But luckily I call my bank and they agree to give me back my over drafting fee because it is the first time. Then I receive an email from LOANCARE company saying that they wo n't charge me for XX/XX/XXXX. 
After reading that email, I left my guard down so I did n't print out that email and now it is no longer in my inbox. They charged me in XX/XX/XXXX that make my account went overbalance again then they gave it the money back but they did n't give me the over drafting fee. So I have to call my bank again and they agree to give the over drafting fee back to me. 
But on the XX/XX/XXXX, they charge me again and now I have to pay the over drafting fee because my bank wo n't give it back to me. So I call the LOANCARE customer again, they said I have to send them an email explaining what happened and they will give me a ticket number then I will wait for their call back for a solution. But they never call me back nor send me a reply email. 
I 'm still waiting for their response but now all I get is a letter saying that I have to pay a returned check fee to their LOANCARE company.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU US DEPT. OF EDUCATIO US DEPT ED USDOE/XXXX Experian  XXXX XXXX  XXXX XXXX, TX XXXX XX/XX/2020Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU US DEPT. OF EDUCATIO US DEPT ED USDOE/XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report.

The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU US DEPT. OF EDUCATIO US DEPT ED USDOE/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/XXXX I have contacted the creditor and all three credit bureaus ( XXXX, XXXX, and Transunion ) disputing the unknown inquires and asking them to provide documents to support their claim of authorization to run my credit such as identifying documents, a legal contract bearing my signature. For over six months all I get are " form '' letters no real facts when they should have provided these documents within 30 days according to FCRA law. They have continued to break the law while my quality of life suffers with multiple inquiries. This is my last attempt to resolve this issue without legal assistance. 

XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX  XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX  XXXX Inquiry from XX/XX/XXXX Auto Financing
Product: Debt collection

XX/XX/year> Subject : Dispute of Charged-Off Account with Inaccurate Balance FCRA 15 USC 1681 Dear Sir/Madam, I am writing to file a formal dispute regarding an account that is inaccurately reported on my credit file. The account, identified aXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX account number # XXXX shows a charged-off status and an incorrect balance of {$2800.00} on my credit report. 

This dispute is filed in accordance with the Fair Credit Reporting Act ( FCRA ), 15 USC 1681, which entitles me to dispute any inaccurate or incomplete information on my credit report. Upon reviewing my credit file, I noticed that this account still reflects a balance that I believe is inaccurate due to the following reason, The reported balance does not reflect an agreed settlement amount or payment arrangement. ) Under 15 USC 1681i, I am requesting that the CFPB assist me in ensuring that this matter is investigated thoroughly and that the information reported is either verified or corrected. If this balance can not be substantiated, I respectfully request that it be removed from my credit report entirely.

I have also contacted the credit reporting agency and the creditor directly ; however, I have not received a satisfactory resolution. As required by the FCRA, I am asking for a thorough investigation to be conducted, and for a response within the legally prescribed 30-day period.

Please assist me in resolving this issue as soon as possible. I am requesting the following actions : A full investigation of the account in question.

Correction or removal of the charged-off account balance if found to be inaccurate.

Confirmation of the outcome of the investigation.

Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will act in compliance with FCRA 15 USC 1681 to ensure that accurate information is reported on my credit file. 

Sincerely, XXXX XXXX
Product: Debt collection

I XXXX XXXX has been going through a financial hardship and has been violated by Account resolution service, Account resolution service is reporting to consumer reporting agencies about an alleged debt, and calling family members about debt. Pursuant to 15 usc 1692 ( b ), Title 15 usc 1666 ( h ) XX/XX/2020 - {$780.00}
Product: Checking or savings account

I am writing to lodge a complaint against Citibank for not honoring their advertised cash rewards for opening a new account. 

In XXXX of XXXX, I opened a new account with Citibank after seeing their ad that promised a cash reward for new account holders ( I have a screenshot to prove this ). I made the necessary deposit on XX/XX/XXXX and was supposed to receive a cash bonus of {$450.00} from Citibank. On XX/XX/XXXX, I contacted a Citibank customer service representative to inquire about the cash reward, and the representative assured me that the reward would be credited to my account by XX/XX/XXXX ( I have a screenshot to prove this ). However, despite meeting all the requirements stated in their offer, as of today, XX/XX/XXXX, I have still not received the cash bonus, and based on my chat with another Citibank representative, it appears that Citibank has refused to give me the cash reward. 

I have made several attempts to resolve this issue with Citibank, but they have been unresponsive and uncooperative. Their customer service representatives have given me conflicting information and have not provided me with a satisfactory resolution. 

I strongly believe that Citibank 's refusal to honor their advertised cash rewards is deceitful and dishonest, and I am requesting that you investigate this matter and take appropriate action against them. 

Thank you for your attention to this matter.