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

Bank of America without authority took monies out of an unauthorized account on XX/XX/XXXX with two account holders. I was not given this disclosure/ the account was part of a foreclosure home equity account. The funds taken were borrowed funds from my student loans and they were not authorized to withdraw. The bank also did not notify me, I complained about this in XX/XX/XXXX, letting them know that they never advised me of the delinquency and or notified me of the funds coming out of my account.
Product: Debt collection

RentDebt Automated Collections , LLC is attempting to collect and report an invalid debt to the credit bureaus. When I requested validation of the debt, they failed to provide a complete and signed contract or a chain of ownership, in violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i.
Product: Credit reporting or other personal consumer reports

This company is in clear violation of the CFPB and XXXX plus a lack of care towards there consumers that they collect data and monetize it privately to third parties that may constitute as identity theft an more in a court of law. I demand CFPB to do there due diligence and provide a remedy
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX. I received reports of new hard inquiries from 3 credit bureaus and subsequently applied for a XXXX  XXXX credit card without my authorization, I never authorized these and submitted my credit report and related evidence ( including a police report ) for investigation as requested by customer service, I requested that the hard inquiries be removed from my record but XXXX  XXXX denied my request. However, my credit report shows that a XXXX XXXX account was added to my name on XX/XX/year>XXXX  and then removed on XXXX, ostensibly they somehow acknowledged the problem and acted, however, they did not indicate this in their response letter. Hard queries are never removed. There seems to be something offensive about this behavior.
Product: Credit reporting or other personal consumer reports

I have an hard inquiry from this company which I do not recognize.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX  XXXX this isn't 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 719XXXX 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 XXXX 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 XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days XXXX they record the calls XXXX admitted they had my police report XXXX 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 severe XXXX and stopping me from getting this job offer XXXX now im XXXX XXXX cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit card or prepaid card

Bank of America fraudulently opened a Savings account in my name, then charged my credit card for direct deposit / check cash advances which get deducted from my credit card to this fake Savings account that I never opened. 

XXXX. I have been maintaining a XXXX balance on my Bank of America credit card XXXX. On XX/XX/2023 I received a letter of a passed due payment of {$3300.00} XXXX. Since I could not locate the card right away because I have not been using the card I decided to just pay {$300.00} on the card and also get the card canceled and asked that Bank of America me a complete statement for this credit card XXXX. That's when I came to find out that a different account named " XXXX XXXX Banking '' type account has been opened without my knowledge XXXX. Come to find out that even the {$300.00} i just paid is actually showing up on this " XXXX XXXX Banking '' as deposit but not to my credit card XXXX. Bank of America has been routinely depositing money from my credit card to this " XXXX XXXX Banking '' that I never opened XXXX. I have been on the phone with Bank of America for hours and hours and all they did was to opened a fraud case which they just closed and claimed that there was no fraud and insisted that I owe them the said amount
Product: Credit reporting or other personal consumer reports

I recently checked my credit report and noticed several items with inaccurate and missing information.These items are negativity affecting my ability to obtain credit.The consumer reporting agencies need to report all information with complete accuracy.I have highlighted the items I dispute on the attached copies of my credit reports. I am now requesting you investigate and provide verifiable proof with records that these accounts are accurate. If the accounts listed below can not be verified as accurate, I demand these accounts be deleted. 
Enclosed are copies of my credit reports supporting my request. Please reinvestigate this matter and contact the nationwide credit bureaus to have them delete the disputed items as soon as possible. 

XXXX. acct # XXXX XXXX XXXX. acct # XXXX XXXX XXXX. acct # XXXX XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX acct #. XXXX XXXX. acct #. XXXX
Product: Student loan

I 'm making payments of {$240.00} for XXXX subsidized loans and XXXX unsubsidized loans. When I 'm paying down the balance which has all the interest calculated in, I realized the balance was only going down by {$30.00}. I was told by Navient it is because I was on forbearance before and I 'm paying {$200.00} of interest for it. Should n't that still reflect in the balance because I 'm paying on interest? Last month my Total balance was {$42000.00} than I paid {$240.00} and my new balance is {$42000.00}. {$25.00} is all that went to my balance. It just does n't add up.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is unknown hard inquiry on my credit reports. Im requested the verification of the inquiry and the method of verification. FACTUAL DATA, Inquiry : XX/XX/2020. For the first time no response came in 15 days company did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiry.
Product: Credit reporting

Equifax has reinserted wrong unverifiable information on my credit report and has cause damage my credibility with loan officers.
Product: Credit reporting, credit repair services, or other personal consumer reports

RADIUS GLOBAL SOLUTION is reporting as a collection. It is for a medical bill. I have health insurance and this should never have gone to collections!
Product: Money transfer, virtual currency, or money service

Money was sent to the wrong person and could not be retrieved
Product: Debt collection

This is regarding the behavior of A.R. Audit Services, INC. located at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX. 
On XX/XX/XXXX I received a debt collection letter in the form of a legal summons through the regular XXXX mail. This was not sent via a process server of through certified mail. Previously this company has used Sheriff Deputies to serve similar fraudulent court documents. 
The entire document is written in the format and language of a legal summons or subpoena implying an active case in the XXXX  XXXX XXXX XXXX XXXX XXXX. 
It is not written in plain English and has all the appearance of legal documents for an actual active lawsuit. 
There is no file or case number printed anywhere on the document and nothing has been filed in District court as claimed by the documents. 
At the bottom of each page of the document it states " This is an attempt to collect a debt .... '' The documents never mention " future legal actions '' and instead the document repeatedly misrepresents as actual legal documents to a current active legal proceeding by using terms such as " this lawsuit '' and making demands that their " ... interrogatories shall be answered under oath ... '' Many of the demanded interrogatories are for specific information the debt collector should already have in their possession and are required to provide in a certification of the debt. 
Many of the demanded interrogatories are intended to have ME validate the debt and admit to it being MY liability without them providing any of the information or documents that they are required to. Such a letter sent to the average individual would very likely illicit an admission of liability regarding the debt as well as allow them to collect and obtain the information they may be missing in their required records. Obtaining these from individuals by deceptive and intimidating practices. 
At no time has this company engaged in any form of communication or provided any documentation regarding the debt other than sending letters of this format. 
No itemized list of debts/charges. 
No certification of the debt. 

In all of the communications, there is no statement informing me that I can dispute the debt or how to do so. 

Also no where in the documents does it state how I can contact the company to discuss or dispute the alleged debts. 
The only contact information included is in the signature line on the second to last page of the document, which is unsigned by the listed attorneys of the company.
Product: Credit reporting or other personal consumer reports

in accordance with the Far Crear Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX. Phone : ( XXXX ) XXXX, has violated my rights 15 U.S C 1681 section 602 A. States | have the right to privacy 15 U S C 1681 Section 604 A Section 2 : It aiso states a consumer reporting agency can not furnish a account without my wrten instructionse
Product: Credit card

On XX/XX/year>, I received a notification from American Express stating that our company 's rebate benefits on our XXXX XXXX American Express Card would be reduced from 5 % to 3 % due to a change in our XXXX XXXX membership status. This reduction was unexpected as our corporate XXXX XXXX membership remained active and unchanged. 

Prior to this, on XX/XX/year>, an employee named XXXX XXXX resigned from our company. As part of her departure, her XXXX user account and Amex card were XXXX. Despite these actions, our company maintained our corporate Prime membership and Amex corporate card, but it appears that the deactivation of her account may have triggered an unintended change in our XXXX XXXX membership status, leading to the reduction in benefits In response, I immediately contacted both American Express and XXXX customer support through chat and phone on XX/XX/XXXX and XXXX, XXXX, to resolve the issue. During these interactions, each company directed me to the other, claiming that they were not responsible for the reduction in benefits. 

On XX/XX/year>, I followed up again with phone support from both companies and was advised to re-link our American Express card to our XXXX account and set it as the default payment method for our XXXX membership. I also attempted to link our rewards points to the XXXX account as suggested. Despite these efforts, I received an error message, and the issue remains unresolved. 

Throughout this process, I have been unable to restore the original 5 % rebate benefit, which is a significant aspect of our business expenditures. The lack of resolution, despite following all suggested troubleshooting steps, has resulted in frustration and financial impact on our company. 

I am seeking immediate restoration of the 5 % rebate benefits for all eligible XXXX purchases made under our XXXX XXXX American Express Card and a prompt resolution to this ongoing issue.

I '' m attaching a copy of the letter from American Express revoking our rewards, proof that we have an active prime membership linked to XXXX and our card, and screenshots of the various error messages.
Product: Money transfer, virtual currency, or money service

Ca n't cash out said it waiting for my bank to send statement to XXXX XXXX. what taking so long to cash out. Need cash to prevent overdraft fees tommarrow XX/XX/XXXX. Please help me to fix this problem or ill be dealing with a XXXX dollar fee
Product: Checking or savings account

XX/XX/2023 53rd bank They closed my account at {$490000.00} when I deposited {$9300.00} on XX/XX/XXXX. And when ask why they told me it's because it's what they do.
Product: Debt collection

I want to settle this debt. However, I'm recieving conflicting responses from management. They are refusing to settle or provide payment options. 
I filed a CFPB report on XX/XX/XXXX for account # XXXX seeking debt validation because I was never given any but because this account is being reported on my credit report I want to settle the account althought I dont agree with the amount. On XX/XX/XXXX Mrs. XXXX responded to my CFPB report stating I had payment OPTIONS and I was honestly looking forward to working with her. I spoke with Ms. XXXX via chat on ( XX/XX/XXXX ) and she said I had to email Mr. XXXX. I emailed Mr. XXXX seeking to settle this account with no response. So then I called and was transferred to Mr. XXXX and he stated I had to pay in full and wouldn't accept a settlement offer so I disconnected the line. I tried to call Mrs. XXXX 's direct line but I get nothing. I want to settle this account. The website advertises payment options and so did Mrs. XXXX so I would like the option to settle if I could pay in full I would have. I want to settle this account and be done with it. I have no contracts that bind me to ProCollect , Inc and they have not furnished any documents that says I have to pay them but I dont want to prolong this any longer.
Product: Credit reporting 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

US DEPT ED XXXX Balance Owed : {$5500.00} - This account is indexed as a charged off account, please make sure that you produce a documentation that this is mine. As per the rights given to me by the fair credit billing act if you can not grant these records to me, instantly get rid of this incorrect posting. 

US DEPT ED XXXX Balance Owed : {$9200.00} - This is not mine and I am requesting that you remove this from my credit report or I will execute an Identity Theft Affidavit. 

US DEPT ED XXXX Balance Owed : {$10000.00} - Please figure out precisely why the date of last reported is different from other bureaus, this is a violation. Also, give documentation to verify all the charges and credits in this claimed account that caused the maximum credit number you've exhibited in my file. My request to give these records is a standard information request according to my legal rights honored within the fair credit billing act. 

US DEPT ED XXXX Balance Owed : {$4500.00} - This account is not familiar to me. Provide me with necessary documents to prove its mine. My petition to request this documentation is a standard information petition based on my rights given from the fair credit billing act. If you can not create this data per my civil rights inquiry, please quickly remove this particular invalid post. 

US DEPT ED XXXX Balance Owed : {$4200.00} - This account has not been updated correctly. You are still reporting an incorrect payment history so please delete this. 

US DEPT ED XXXX Balance Owed : {$9700.00} - You are reporting inaccurate information as the past due balance is wrong. Update or rather delete this erroneous account. 

US DEPT ED XXXX Balance Owed : {$5400.00} - This specific account is certainly displayed as a charged off account, please let me know it appears under my name when it is not familiar to me. The balance is in fact inaccurate, please make sure to get rid of the item completely. Provide me with the documentation to confirm all the charges and credits to this particular account as indicated under my record. My demand for you to provide this document is a request according to my legal rights allowed through the fair credit billing act. If you don't generate these records per my civil rights request, make sure to automatically DELETE this wrong post. 
US DEPT ED XXXX Balance Owed : {$10000.00} - This account is showing several violations. You are reporting a Monthly payment on this closed account. These are violation please delete this account. 

US DEPT ED XXXX Balance Owed : {$1200.00} - This account shows a lot of violations. Balance is incorrect and payment history is inaccurate. Delinquencies reported after the account was closed. These are all violations please REMOVE this.
Product: Student loan

This is regarding a private school loan through XXXX. It was then transferred by XXXX to American Education Services ( AES ). There are numerous problems with this company. They are jacking up the loan I co-signed for by separating out the huge interest amount. When asked why is my balance not decreasing ( paying regularly for years now ), I was told " Payments are applied first to outstanding accrued interest and late fee 's, and any remaining amount is applied to the principal balance. If the outstanding late fee 's and interest exceed the amount of your payment, none of the payment will be applied to the principal balance. '' The amount of my loan is going up because of the way that they charge a separate fee for interest. They make it difficult to even see what the interest rate is. What it basically means is that I am never going to be able to pay off this loan that I co-signed on. I can not afford their monthly charges ( it is more than XXXX ). If i just pay the required amount including interest, the amount goes up rather than down. They offer no alternatives for repayment and are not willing to negotiate. I looked online and there are thousands of complaints about this company. Surely the government can do something to help those of us who are trying to pay off our debt but are being held prisoner by this ruthless company. I am the co-signer. My son took out the loan in 2008 and he is unemployed now.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed through XXXX XXXX  because XXXX   will not let me dispute anything online. There is an old lease ( XXXX XXXX XXXX ) that is reporting with a balance of {$4800.00}. This balance has been paid in full through the dealer when I returned the car. I did re-lease a new car through them however its showing on my XXXX  credit report that I still have this amount. I confirmed with the dealership and it has been confirmed the debt is paid in full and there is a XXXX balance on the 2016 XXXX XXXX. Having this extra debt reporting which is incorrect is affecting my credit score. Its XXXX of debt that I do not owe. This amount is hurting my debt to ratio number.
Product: Credit reporting or other personal consumer reports

Bureau has failed to provide any documentation as to " proof of verification of information from the creditors '' in accordance with the provisions of the Fair Credit Reporting Act ( FCRA ) code 15 U.S.C. 1681.

Every reporting account has filed a WRITE OFF - and has reported it to the credit bureaus.

A write off is a cancellation from an account of a bad debt or worthless asset. Every company has failed to provide the 1099-C filed to accurately report a write off on a credit report. If a write off was reported the amount of the debt in question should reflect as 0.

The amount reported are not accurate and not valid. 
fraudulent accounts have been kept on my report even after providing the FTC reports to said bureaus with remarks that the investigation was done, yet I have not received any proof of documentation for these allegations.
Product: Debt collection

A firm called Portfolio Recovery has been calling my home phone number, XXXX XXXX XXXX about debt owed by my deceased and ex wife of 27 years ago , XXXX XXXX XXXX. I have asked them repeatedly to stop calling me and referred them to the executor of XXXX XXXX estate. They continue to call and call our home phone number and insinuate that I am lying about my ex wife martial situation and estate. 

The number they call from is XXXX XXXX XXXX, although this changes from call to call. 

Please report to all that this firm is unreasonable, and will hound you to the point of violation of every ethic that is embodied in the fair credit act and consumer protection laws. 

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

I did not authorize these inquiries. I'm a victim of data breach CAPITAL ONE BANK USA IXXXX : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX / XXXX XXXX XXXX is reporting a charge-off account to XXXX and TransUnion that is not mine. I was not liable on either account and was only an authorized user. I've sent multiple letters to dispute this item directly and they have failed to remove it from my credit report.
Product: Credit reporting or other personal consumer reports

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 


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 XXXXXX/XX/XXXX The following inquiries were not and should not be reporting.
Product: Vehicle loan or lease

I purchased a car with XXXX in XX/XX/XXXX. The vehicle is a XXXX XXXX XXXX XXXX. My finance company which is through XXXX is called Bridgecrest Acceptance. Since purchasing my vehichle, I have not received a statement. There is no option online through bridgecrest.com to view my statement. They have my mailing address, I've received nothing in the mail. They have my email, I only receive emails when it is time to pay. After doing research, this seems to be the norm with BRIDGECREST ACCEPTANCE. THEY DO NOT PROVIDE STATEMENTS SO YOU NEVER KNOW WHERE YOUR MONEY IS GOING!!!! This is insane. I am 6 months into my loan and have no idea what is left on my loan. They have only reported twice to the credit bureaus, the last time being XX/XX/XXXX. I don't know what is left on my loan. I have paid {$1600.00} and the amount shown on my credit reports only reflects a difference of {$270.00} in my loan. Where is my money going??? This should be illegal! I am due to pay another {$330.00} again this week. I have not received ONE STATEMENT from this company since XX/XX/XXXX!!! I have never been through this in my life! I RECEIVE STATEMENTS FOR EVERY SINGLE THING THAT I PAY FOR! This includes utilities, credit cards, and phone bills. Why is this the difference? I should be getting a statement EVERY SINGLE MONTH.