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

I opened a Bank of America bank account of XX/XX/2020 after experiencing fraud on my XXXX account. XXXX suggested that since their investigation was going to freeze all accounts, I should have my paycheck ( paid on XX/XX/2020 ) deposited with another institution to avoid any issues. I went to Bank of America and opened an account that same day ( XX/XX/2020 ). I received my paycheck on XX/XX/2020 in paper check form since it was too late to submit a direct deposit change with my employer and deposited it with Bank of America. I called to check on availability of funds on Monday and they told me it would be 12 days to access the funds. 

I checked with my employer who confirmed the check had already been processed and the funds removed from their payroll account. I waited until XX/XX/2020 to allow the check funds to settle with Bank of America, assuming that once they received the funds, they would have no reason to continue holding my funds. I visited a branch at XXXX and XXXX in XXXX TX and spoke with a temporary manager of the branch ( XXXX XXXX XXXX ) who said that she could do nothing. I asked for her to speak with my boss who could confirm the check, my employment, the availability of funds, attest to the fact Bank of America already had the funds, and his inside knowledge from being a former XXXX XXXX. XXXX was rude and refused to speak to my boss after I authorized him to speak with her. She told me that Bank of America regularly holds paychecks for multiple days and to just wait the 12 days. I pleaded since I had no access to any other funds that I needed it to clear as soon as possible and she did not care. 

I then emailed the executive relations team at Bank of America with the same information I am relaying here on XX/XX/2020 near the end of business. I assumed that based on the urgent nature, they would reply but after 24 hours, I received no word from them and am forced to pursue this route.
Product: Checking or savings account

Wells Fargo mismanagement and fees. 

They also intentionally withheld funds causing overdrafts which they then put on a credit card ( it was sold as overdraft protection ) and collected interest on it. 

Its the sammiest scummiest bank on the planet and I know they owe customers form that time period money and I want some of that money.
Product: Credit reporting or other personal consumer reports

The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. 
XXXX XXXX - XXXX XXXX XXXX, XXXX, XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I filed a FTC report and submitted it and explained that these Inquiries ar in fact not mine and I want them removed within 72 hours. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> I did not approve of these inquiries and they need to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Enhanced Recovery is double reporting the same debt on my credit file for XXXX XXXX. As per my understanding this is a violation of the FCRA to double report the same debt on my credit file. This needs to be fixed immediately.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX, XXXX NJ XX/XX/1981 XXXX LVNV Funding LLC XXXX, SC XXXX RE : Account Number : XXXX Amount : {$790.00} Dear Sir/Madam, I am writing this letter to exercise my rights as a consumer under the relevant laws, including the Fair Debt Collection Practices Act ( 15 USC 1692g ) and the XXXX XXXX laws, to dispute the alleged debt that you claim I owe. I kindly request that you provide me with verification of this purported debt. In accordance with the laws, I expect you to furnish proof that this debt is indeed mine. To satisfy the verification requirements, I demand a formal declaration, duly notarized, from an individual with first-hand knowledge of the matter, attesting to the accuracy of the statements and facts associated with this debt. 

Since this debt is under dispute, I must remind you of your obligation to cease all collection activities, including any reporting to XXXX, XXXX, and XXXX regarding this matter. 

I hereby explicitly withdraw my consent for any form of communication from your agency. Additionally, I never authorized the release of my personal and private information to your organization, which raises concerns about aggravated identity theft. Moreover, I never consented to the reporting of any information in my name to consumer reporting agencies. 

Your non-compliance with the Privacy of Consumer Financial Information Rule of the Gramm Leach Bliley Act, by sharing my nonpublic personal information with nonaffiliated third parties without providing me with a compliant notice and opt-out opportunity pursuant to 15 USC 6802, further compounds the issues surrounding this matter. 

I am requesting the " Aggravated Value of Purchase '' document, which must disclose the amount you paid for this debt. It is crucial to note that any attempt to collect an amount exceeding what you paid for this debt would be considered a material misrepresentation, fraud on the court, and a deceptive act. Please be aware of the gravity of these violations, as they constitute a severe infringement of my rights as a consumer. If you do not immediately cease all collection activities and promptly remove this account from my consumer report, I will have no choice but to initiate legal action against your company in the United States XXXX XXXX. 

Please be advised that you have 30 days to respond to this dispute. Failure to do so will compel me to escalate this matter and take appropriate legal action. Furthermore, I reserve the right to file complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) should you fail to comply with my request. 

I expect your prompt attention to this matter, and I request that all future correspondence be in writing to ensure accurate documentation. 

Sincerely, XXXX XXXX
Product: Debt collection

I received a bill for collection with XXXX amount, and when I made contact with the collection company the amount had changed to a totally different amount, {$6700.00} to {$8200.00}, I 'm on XXXX and want to pay this bill off and this company is taking advantage of my situation, I also received a letter from the social security stating that starting on XXXX 2016, my XXXX would be garnished at the rate of 15 % until the balance is paid and tax return would be garnished by said company, this company is out of control and I need a resolution, I called my credit card company and they no longer have my file and can not access it, the lady informed that I need to follow up with XXXX party collection company and the lady stated she could not find any payments made to my account, and any payments made prior would not show on their side, so who is responsible, I realized I owe the balance but there is no reason for this company to take advantage
Product: Debt collection

Consumer has made a previous complaint to CFPB about Diversified Consultants in which they responded with lies. Consumer e-mailed Diversified Consultants to inquire as to its reason for placing a statute of limitations-barred, bogus wireless bill on both my XXXX and XXXX credit reports. The rep responded that the account could not be located and requested I send my name and address to verify the account. Of course, I refused. The rep first asked for the last XXXX digits of my SS # -that I provided. DCI was quick to place this bogus item on my credit reports but can not find the account in their records and quick to respond with lies to the first CFPB complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute to the credit report agency Trans Union, XXXX  and XXXX. I requested an extension deferral on my car loan with XXXX in XXXX  of XXXX, I requested it for the payment due of XX/XX/XXXX, I asked could the payment be deferred to a later date before the due date. XXXX offers payment referral extensions to customers who are having financial hardship. I was having financial hardship in the month of XXXX. XXXX approved my request and told me my payment due for XX/XX/XXXX would be extended to the end of the loan on XX/XX/XXXX. They emailed me a document to sign to confirm the transaction and to upload on their system on XX/XX/XXXX, I uploaded that document on their website, I called back three times in XXXX and each time each representative assured me that it would take longer than usual to search for my document because they had a lot of documents to process, I called XXXX 5 times in the month of XXXX to confirm the transaction, each time a representative told me my extension was approved and not to worry, they had even resent me a document to esign because of their error. I esigned the document and the transaction was confirmed and the extension was deferred and approved. I called XXXX to explain the incorrect credit reporting, a supervisor and a representative sent a dispute after reviewing my account and reading notes and seeing how many times I called in, showing that it was an error on their end and ask the Credit disputing department to fix it and remove the late payment with the credit bureau and XXXX XXXX department is still refusing to remove the inaccurate information. They provided no details in their letter as to why they made this decision, I even called XXXX back and asked them have they reviewed my account and listened to the recordings of all the calls I made to them and they still provided no details as to why they reported my payment as late. Their only response is " our records are correct ' '' with no details explaining to me how this is not their error when I submitted my documents and did everything I was supposed and they APPROVED ME!
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX, I needed to purchase a new vehicle. I pulled my own credit report and found inaccuracies that needed to be corrected before I could apply for vehicle financing. I began the process of disputing unauthorized and unverifiable hard inquiries on my XXXX credit bureaus. Some have been successfully resolved with the creditors directly. The remaining inquiries are still reporting inaccurately. Furthermore, these creditors are reporting different dates for the inquiries across the XXXX bureaus. I contacted each company multiple times and was not assisted and no proof was provided to validate the inquiries or prove that I authorized my credit to be ran. The following are the inaccurate inquiries with 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 I am requesting that these inquires be deleted immediately in accordance with my rights to accurate credit reporting.
Product: Credit card or prepaid card

XXXX  has been non-compliant with removing the unverified account CHASE MTGwhich has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that CHASE MTG was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Product: Debt collection

On XX/XX/20 BEFORE XXXX XXXX American Express called my job about a debt. The economy is fragile and here they are calling people jobs about a debt which is indeed illegal and inappropriate. The lady explained that i am to give her a call back and left great detail with my boss. 

XXXX IS THE PERSON NAME CALLING AND LEFT A CALL BACK NUMBER OF XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 and XX/XX/2021 I reviewed a copy of my credit report and notified each bureau of inaccurate information is currently being reported. In my letters, I asked them to validate these accounts and provide physical proof/verification that I am entitled to according to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ). To date, I have not received any physical proof validation and these items are still being reported negatively.
Product: Student loan

Tueday XX/XX/XXXX I tried logging onto my XXXX account to pay a bill ( which was sold to XXXX  ). For some reason, my password was not working. I thought it was me, so for the greater part of yesterday, I attempted to figure the password out. It told me that my SSN is not valid ( yes it is ). After seeing this, I looked back into my emails to see if XXXX sent me a change of provider email and no such email exists. I then went back onto the site, change my username and password to start fresh, and tried to look for contact information. There is no such place for me to get information about where this loan is. I logged onto my XXXX  account ... it is not listed under any loan servicer. After seeing this, I contacted XXXX XXXX University student aid and was not given an ounce of information. At first she acted like she had no idea what I was talking about. Then, once I explained that this issue is being written about all over the internet and every other University is assisting their students and these phone calls in helping them find the new servicer, she put me on hold. Once she came back on the phone she gave me an 800 number to call. I told her that XXXX   could not give me the information since it was a private student federal perkins loan and that it is her that is supposed to give me that information. Now, she started talking down to me and refused to give me anything but repeat the phone number and tell me to call them. So, knowing that it was not going to go anywhere, I called the 1 800 number ... .and of course, since it is a federal perkins loan they told me to contact student aid at my university. This is unacceptable. Every single person that has posted about this issue on the internet has had the same problem. XXXX  DID NOT issue a mass email/letter stating the switch in providers and my specific university has been of zero help.
Product: Bank account or service

On XX/XX/XXXX make a payment via telephone to the airline XXXX XXXX, a total of {$260.00} dollars for an air ticket. After the confirmation will come near the airline ticketing, revice my account in Wells Fargo and indeed to check my balance had been reduced by the same amount and stay compliant. 
In this day by checking my bank account I am surprised to see that my balance had risen again and no longer appeared the debit item of the airline. 
Communicate with customer service bank and they tell me that the airline had sent a request for payment, but which had not yet done the same, ie the airline still had not collected this value My concern and complaint is as follows : If payment was not made yet, because reason Wellsfargo debit my account in the day yesterday, today return those funds if nothing had happened???? That even aparace one iten of return????? 
I do not agree or consider legal right or a bank debit our account and use who knows for purposes of our own money when the end has not been collected by the trader who intend to pay. 
In this case, the iten should appear as pending, but never get the value of our own, because in this case I feel that the bank used my money without my consent. 
Worse, the answer customer service bank Wells Fargo has been pesima because they only know how to tell me about my responsibility to know that the customer may return at any time to collect your payment, but do not recognize at any time shared responsibility in these cases it takes the bank, which has deducted and withheld money, without it being paid really
Product: Debt collection

1st Franklin Financial or the process server by the name of XXXX XXXX claimed to have served me with papers on XX/XX/XXXX for a loan from XXXX which it completely false. Not once was I notified, served nor did it even show on my credit report stating I even owed them. Case # : XXXX-XXXX, process server lied about me being contacted and I didnt sign anything. I would like to know what kind of legal action can be taken against XXXX XXXX for his false statement as well as 1st Franklin Financial since it has affected my ability to get approved for ANYTHING.  Theyre trying to garnish my wages and I will not let that happen willingly.
Product: Checking or savings account

Bank of America 's check clearing practices are helping the fraudsters out there and BOFA refuses to do anything about it. In my specific situation BOFA cleared 2 mobile deposits on XXXX and XXXX for {$950.00} each. The checks were not put on hold like they should have been based on my account history of having {$250.00} MAX, i also NEVER. BOFA then goes to clear the fraudulent checks which I assumed were good. Of course funds were used and the checks then reversed out 2 days later overdrawing my account and BOFA WILL NOT ACCEPT ANY RESPONSIBILITY. BOFA should have NEVER cleared the checks they should have been rejected from the get go. PLEASE HELP!!! The fraudsters know to target banks like Bank of America for this reason! These are terrible check clearing practices!!! BOFA doesnt even look at the average balance in the account before clearing a check, nor do they look at past check deposits!!! The rep also mentioned that the mobile deposit process is SIGNIFICATNLY different than the paper check process, WHY??? PLEASE HELP to investigate these predatory practices, they are helping the crooks!!! Currently they refuse to refund my account or process my claim, if BOFA returned the check as unpaid this would have never happened. PLEASE PLEASE PLEASE INVESTIGATE THEM!!!
Product: Credit reporting

I obtained vehicle insurance and I received an Insurance Score Notice stating there was PRESENCE OF A BANKRUPTCY ( SEE ATTACHED ). I do not have a Bankruptcy. In XXXX of 2014, I contacted CFPB to file a complaint against XXXX Case Number : XXXX. XXXX DELETED the Bankruptcy information from my credit report ( SEE ATTACHED ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Navy Federal credit card from 2015 has been charged off and company refuses to remove from credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New Jersey XXXX XXXX Dear Transunion, I XXXX XXXX have written this letter to dispute a claim that is falsely listed on my credit report with your bureau. The amount ( s ) owed are no longer outstanding for the following items : Party Owed : XXXX XXXX XXXXXXXX : {$740.00} Ive disputed this account numerous times I have no knowledge of this account, its fraudulent and I want it deleted immediately, this account is holding me back from my dreams of getting my first home. 

I am disputing this claim due to : This is my official request to have the aforementioned item to be deleted off my credit report. 

Enclosed may be additional evidence to support my claim. 

XXXX
Product: Money transfer, virtual currency, or money service

Hello my name is XXXX XXXX and I am making a complaint about MoneyGram. I often send my fiance money overseas to XXXX to help make ends meet. but I've noticed that the money have not been getting to his account on time. At first I thought this was just normal until I read about it and I realized that i was not being treated fairly I am a mom of three and I am going through enough as it is with not having my fiance here with me due to the XXXX Visa. And while he is trying to make ends meet it is making it difficult not receiving funds on time
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in receipt of a response letter dated XX/XX/2021 from SageStream which did not adequately respond to my complaint. I am not sure why this response took 60 days as it was a canned response and it is clear that NO RESEARCH was done as to the accuracy of my information. Perhaps I was not clear so I am attempting to add clarity to this complaint. 

The original letter I received from XXXX XXXX  outlined the following issues with a Credit Report that they received from SageStream.

1. Date of issuance of applicant 's SSN does not match date of SSN of peers. Please inform me how to correct this information. Is SageStream aware that I was born in the XXXX and at that time you did not apply for your SSN until your parents determined that you needed it for a summer job or other purpose. My brother, who is XXXX months younger has a SSN that is only 2 numbers from my own. SO IF THIS IS AN ITEM THAT WILL IMPACT MY SCORE OR ABILITY TO OBTAIN CREDIT, HOW IS IN CORRECTED? 

2. Applicant associated with multiple phone changes. Again, I would like to be informed where they got this information and how to correct this erroneous information. I have had the same phone numbers ( Home, yes I have a land line, and Cell ) for over 15 years. So they either you have a bad source, are pulling bad information or just DO NOT CARE about the accuracy.

3. Distance between applicant 's address and area code of phone number. Where is this information obtained and how is this determined. Also, how can this erroneous information be corrected. Both my home and cell number start with a ( XXXX ) area code. I live in XXXX Florida just outside XXXX where the area codes are XXXX XXXX XXXX original area code and ( XXXX XXXX newer area code. So I actually have one of the original area codes before they stopped issuing that area code.

4. Total account balances. Again, where is this information obtained and how is this determined. Also, how can this erroneous information be corrected. My credit card usage constantly is low and I pay all non zero interest balances in full every month. I do not have any car loans and my mortgage balance could be paid in full but I chose not to due to having an interest rate under 2.5 % ( I am 6 years into a 10 year loan ). 

I would like the company to tell me the sources of the data that they provided to the credit grantor and how to correct errors in these areas. What proof would be required to support that fact that their data in incorrect.