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

XX/XX/23 - Receive later from BoA that they are closing an account I was never aware existed and that they will be reporting the account which will impact my credit score. I call BoA and report the fraud and they mail me a fraud claim form. 

XX/XX/23 - I call number listed on fraud claim form ( XXXX ) and request an email address to send form. They provide me with an email and I send claim form and requested documents the same day. 

XX/XX/23 - Submit complaint to BoA because they have still not resolved the fraud issue despite me submitting claim form and requested documents. 

XX/XX/23 - Get response from XXXX XXXX at BoA asking me to contact them about complaint. 

XX/XX/23 - Call BoA, sent right to voicemail. Leave message asking them to contact me about fraud claim. 

XX/XX/23 - Get call back from BoA asking me to resubmit documents because XXXX is going on vacation next week and needs them right away to close the matter. I resend claim form and requested documents immediately upon ending phone call. 

XX/XX/23 - Receive email from BoA that account that is still under complaint is overdrawn and they are going to destroy my credit and still hold me liable for the overdrawn balance in an account I didn't authorize to set up or authorize a single transaction that took place. I send email to XXXX XXXX at BoA explaining the situation and requesting a little more urgency be placed on my case. 

XX/XX/23 - Receive another threatening email from BoA that if my account isn't fixed in 20 days my credit will be damaged and I will be liable for amount due. Still have not received any response from XXXX XXXX at Bank of America despite sending documents XXXX and a half weeks ago and sending follow up about the urgency. Call XXXX and leave voicemail to please, please make this urgent so I don't need to waste more time on this if it impacts my credit. I am getting XXXX responsiveness from the bank.
Product: Payday loan, title loan, personal loan, or advance loan

I took a small cash advance of {$150.00} on XX/XX/year>. I was always under the impression that this would be paid on my next pay date of XX/XX/year>. XXXX went and took {$24.00} with NO warning from my account for " : overdraft '' protection, but I wasn't in overdraft. I had {$24.00} in my account and needed to pay a gas bill on this date. XXXX took the {$24.00} with no notice, and only after they took it they said they could not put it back. They also stated that they have moved away from cash advances, but that is exactly what I took, on XXXX, they call it " Instant ''. So how would anyone not think it's a cash advance? I have called and they acknowledge that they have no phone number to speak with a supervisor or anyone. They only work via email and text messages. I was transferred two times and the final transfer said he could not return my {$24.00}. So now I am going to be in overdraft in my checking account that they took that money from my account, so they caused the overdraft.
Product: Credit reporting

XXXX COURT XXXX FL. XXXX REFERENCE XXXX XXXX INFORMATION FOR LONG TIME I CALL THE COURT ABOUT A YEAR THEY THEY AGREED THAT IS NOT ME BUT NEVER CAME OF MY RECORDS
Product: Credit reporting or other personal consumer reports

My husband I both had vehicles from XXXX XXXX They both broke down at the same time and at the time it was cheaper to fix my car so we did a voluntary repossession on my husbands truck. We took the truck back on XX/XX/XXXX. When they went to do the paperwork, they filed the paperwork for my car instead of my husbands truck. I told them the issue and they said they fixed it and it should not hit my credit. Two weeks later, my credit went down almost 100 point and is showing a repossession on my car. I called and they said that it was not their fault and they would not fix the error.
Product: Checking or savings account

Between XXXX and XXXX there was multiple fraudulent charges to my account in the amount of {$860.00}. I immediately noticed the charges but had to wait for them to post before I could dispute them. Well they said 10 business days I would get provisional credit so I waited and the 10th day I called and they said my dispute was denied and they sent me an email but they never sent me any email. I don't understand how they could say no error occurred if I didn't make the transactions and I reported them immediately so they would know. I followed all there rules and they're still not giving me my money they are thief 's. The charges were as followed XXXX XXXX XXXX XXXXXXXX XXXX XXXX0} 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 XXXX  ATM withdrawal fee for {$2.00} It's not fair and not right I should've never tried to get account with these fraudsters they're stealing my money. I've read a million bad reviews I wish I could've seen before I made account
Product: Mortgage

I am currently having my mortgage being serviced by US Bank Home Mortgage. Due to banking error and ACH bank draft issue - my mortgage fell 5 months behind. I attempted to get back on cycle with USBHM in XXXX 2016, however USBHM, indicated that account was in delinquency status and needed to have current and all past-due payments. So currently, past due payments have " ballooned '' to $ XXXX+ in back payments and late fees. Additionally, I requested to participate in the US Bank Home Mortgage Assistance /Loss Mitigation Program but was denied further participation in program, along with a workout option. I am currently appealing this decision and await and hopeful a favorable reply with my request. I have also made two recent mortgage payments to USHM - on XXXX 2016 and XXXX 2016. Please note since USBHM has serviced this account and up until this point, my payments have been timely. Additionally, I have been a US Bank account holder - for 17+ years.
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 USC 1681 section 602 States i have the right to privacy. 15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 USC1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a loan from marina finance when trying to finance furniture in 2019. I have been paying my bill online. I was told that they dont offer this type of loan so I refinance. Today I get a notification from XXXX  that marina finance reported 30 days late in the months on XXXX XXXX XXXX and XXXX. But on my XXXX and XXXX  Im not late at all.. im confused Im unaware of these late payments and can not understand why they are now showing on my credit report one year later and the account has been closed for 3 months. I have tried to get this resolved with the company I even have bank statements as proof that these payments were made on time.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian refuses to give me the name of the person who they contacted regarding a reported bankruptcy on my file. The list the source of their information as the US Bankruptcy Court- XXXX . I have contacted the court and they have stated that due to privacy laws, the Court does not disclose information to credit reporting agencies. So, Experian has not properly disclosed, by law, the person ( s ), or agency ( third-party ) who gave them this information. It is well known that the CB 's contact third party agencies for information ; and these third-party agencies sell information to the CBs.It is the credit reporting agencies, and/or other third party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW. My inquiry to the U. S. Bankruptcy Court confirmed Experian Credit Bureau has never validated or verified the public record entry on my credit report, neither will they ever be by them. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources, unawares to the consumer, and in most cases, incorrectly. A copy of the Court 's letter is attached showing they will never disclose this information to credit reporting agencies.
Product: Debt collection

On XX/XX/2023, I sent a request to validate an alleged debt that I discovered on my credit report because I was looking purchase a home. I requested documentation for my record also advised them if they satisfied my request that I would have no issues with satisfying the alleged debt. 
I also said if they did not respond within 30 days that they were admitting to several violations. It has now been more than 30 days and because I wanted to remain honorable I am sending them an official notice of fault, just in case it was lost in the mail or they forgot to respond. 

There is also an invoice that I sent regarding the violations that would be in-acted after 30 days of no response. I will have all documents attached with this filing.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX, Account Number # XXXX, XXXX XXXX XXXX XXXX, Account Number # XXXX XXXX XXXX XXXX, 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX2019 my equifx credit score arbritrarily dropped from XXXX to XXXX for no apparenet reason.
Product: Credit card

I have been a customer with Amex since XXXX. Amex keep charging me hight interest and my Balance went from around XXXX to XXXX on a matter of year. I have never complained and i did my best to always pay on time even when i couldnt afford it. Finally on XX/XX/XXXX i was finally able to pay the full balance of {$15000.00}. My balance was finally paid full and yesterday or the day before they charged me {$280.00} dollar of interest. I have tried to talk to them i talked to 3 different customers reprsente including a supervisor and no explanation that made sense was given to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my third request Credit bureaus stated that on my credit report that they did a proper investigation but how is that possible if the date opened is inaccurate, the date last active is inaccurate, last verified not correct, date last reported is not accurate, also date of last payment, balance owed and credit limit is inaccurate. This grounds for removal. 

These Accounts include : XXXX XXXX account # XXXX They also violated my rights under : 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. 

I haven't given these accounts written permission to furnish these accounts on my credit report. 

I also affixed copy of report from XXXX where they stated that my account is verified and also there is a copy of my credit report showing inaccuracies.
Product: Checking or savings account

I open dispute for {$52.00} for order not received. The merchant did shipped but i never got it. The bank asked me to send a write statement and i fax it to the number that was given on the form. They took that dispute amount out of my account after speaking with case manager she  told me she never received that fax of written state and i explained that i have send that fax on the same day i got that latter. They keep saying we dont have it. its been more than 30 days. The upper management was making excuse by saying it could been technical issues the reason they never not the fax and she asked me for conformations #?? I mean i send my paper work with same fax machine you got it but when i send you written statement YOU DIDN'T?? I need my money back because the sender have no refund policy.
Product: Money transfer, virtual currency, or money service

Scam from XXXX marketplace to XXXX from my cash app, about a couch, have all screenshots of my conversation and other listings of the scam from others.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, Oklahoma XXXX XX/XX/year> Equifax XXXX XXXX XXXX XXXX, Georgia XXXX The Doctrine Of Estoppel By Silence, Demand for Deletion of Inaccurate Information and Compensation under the FCRA To Whom It May Concern, On XX/XX/year> I mailed you a letter disputing certain information contained in my consumer report, which was compiled, maintained, and reported by your agency. This dispute concerned the following accounts : In Engelhardt v. Graves ( 281 SW 715, 719 ), The Doctrine Of Estoppel By Silence. No Debt Exists if the Creditor Can not Provide Proof Of The Debt! According to USPS records, you received my dispute letter on XX/XX/year>. Under the Fair Credit Reporting Act ( FCRA ), you are required to conduct a reasonable investigation into the disputed information and delete any inaccuracies within 30 days of receiving my dispute. Since you received my dispute letter on XX/XX/year> as confirmed by XXXX XXXX your response was due on or before XX/XX/year>. 
However, instead of providing me with a response of the results of your investigation, I received no communication from your agency at all. This failure to respond is a clear violation of the FCRA, thus your Silence speaks to no proof of any debt existing. And YOU have willfully failed to delete the disputed information and to conduct a reasonable investigation of my dispute. There is no valid reason under the FCRA for you to refuse to reinvestigate my dispute. And although I didnt receive ANYTHING BACK from you I Noticed that Changes were made to my Profile? How is that? 

Furthermore, you have not made any determination that my dispute was frivolous or irrelevant, nor have you sent me any notice of such determination, as required by the FCRA. And I continue to directly dispute the completeness and/or accuracy of the information contained in my consumer file. Your failure to reinvestigate the matter constitutes an intentional and negligent violation of the FCRA. ( see attachment ) As a result of your conduct, I demand that you promptly delete the disputed information from my consumer report. 

Additionally, as per the FCRA, you are liable for damages due to your conduct. This non action on your behalf has put a strain on my health and finances. As I mentioned before I need Medical Treatment and this is affecting my Credit Worthiness! Therefore, I also demand that you issue a check in the amount of {$1000.00}, payable to the order of XXXX XXXX XXXX as compensation. 

Please be advised that this is not another dispute or an opportunity for you to reinvestigate the previous dispute. The allowable period to conduct such a reinvestigation has expired and shall not be extended by law.

Therefore you are required, Within 14 days of receiving this letter to : 1. ) Delete the disputed information from my consumer report. 2. ) Send me an updated cop
y of my consumer file.

3. ) Send my {$1000.00} check to my mailing address listed above. Failure to comply with these demands will leave me with no choice but to consider further legal action to enforce my rights under the FCRA. 

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

All 3 credit bureaus is purposely keeping my credit score low. My credit score has always been in the high 700s now its hovering around 550 for over 10 years now. I disputed past collection that was already paid. Yet theyre still reporting that incorrect information. I feel the credit report agency is discriminating against my credit worthiness. Theyre still reporting old addresses to purposely keep my score low. All 3 credit bureaus has cost me thousands of dollars in the past from various loan companies. Please look into their unfair practices. Its unfair how they have the power to keep my income down and to destroy my livelihood of making my credit outstanding to get future loans. Thank you
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, pa XXXX XXXX XXXX XX/XX/XXXX Re : Unauthorized Hard Inquiry Dispute I am writing to dispute an unauthorized hard inquiry that appears on my credit report. 
The inquiry in question was made by XXXX on XX/XX/XXXX. 

XXXX XXXX  on XX/XX/XXXX. 

XXXX  on XX/XX/XXXX. 

XXXX on XX/XX/XXXX. 

It does not meet the permissible purpose criteria outlined in the Fair Credit Reporting Act ( FCRA ) under Section 604 ( 15 U.S.C. 1681b ).

As per the FCRA, only those with a permissible purpose may access my credit report, and I have not provided consent for this inquiry, nor does it fall under any permissible purpose. Therefore, I request that you investigate this matter and remove the unauthorized inquiry from my credit report. 

Please confirm in writing that the inquiry has been removed. 

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

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing proof within the time frame specified by law. My credit report includes the listed erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently went to purchase a home from XXXX XXXX  and noticed that there are some damages on my credit report according to the 15 U.S.C 1681 law there should NOT be any damages on my credit report it is a defamation to character.
Product: Vehicle loan or lease

I have been trying to set up automated monthly payments since XX/XX/2022. Something is completely screwed up with US Bank 's automated payment system online that is not retaining the information I input- nor are notes taken or activated from my numerous calls. I have successfully faxed the form on their website to the correct number TWICE and it was delivered both times, but apparently, it was never applied to my account. I thought for sure the payments would be made, but once again they weren't and I only know this when another late payment notice comes the next month. I've spent literally hours on the phone trying to get this addressed and no one ever can figure out what the problem is and I get shuttled around from person to person. 

This is a very serious problem because not only are they refusing to refund the late payment fees that are not my fault- WHICH IS FRAUD - but the last one was reported to my credit report. I contacted their collection department 2 weeks ago and have not heard a word back from them. The fact that this is a US Bank error was acknowledged, straight up, when several agents agreed that the fax system to set up minimum monthly payments DOESNT ALWAYS WORK. They are then stealing money with the late fees and refusing to pay it back. Now there is also an incorrect mark on my credit report that is NOT MY FAULT. 

I have spent HOURS and HOURS on the phone and nothing is ever accomplished but paying the past due amount. I call back to set up the payments and then it's not done, which I only know when I get another late payment notice the next month that they also refuse to refund. I sent in the paperwork twice - following their directions exactly and the payments weren't set up either time. I am beyond over this but I am also completely stuck. I am facing some very serious issues that need my time and attention to be on other things. I can't keep sinking all this time into something that should be as simple as clicking a few buttons on their website. I want to make my payments on time and their system isn't letting me and now theyve stolen from me and put a mark on my credit report that was due to their system errors- not mine! This is NOT OK. PLEASE HELP!!!!
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number ( private ), a credit card account opened at XXXX XXXX XXXX XXXX XXXX XXXX on XXXX, XXXX XXXX under the account number ( private ), These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus on XX/XX/22, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If the credit bureaus do not authenticate these accounts, I will take legal action against them. Please abide by the law in order for this matter to be resolved promptly. 


XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$17000.00} ; DEPT OF ED/XXXX XXXX Balance : {$930.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$1100.00} ; XXXX XXXX Balance : {$350.00} ; DEPT OF ED/XXXX XXXX XXXX : {$450.00}
Product: Bank account or service

I have been sending {$100.00} to Capital One Bank for several years into my High Yield Money Market account. For some reason, Capital One stopped crediting my Money Market account as of XXXX/XXXX/15 although my Credit Union has continued to send the money to them.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, a XXXX inquiry from XXXX XXXX XXXX appeared on my TransUnion credit report.