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

On XX/XX/XXXX, I attempted to open an Any Deposit Checking account with Bank of the West online ; however, I was told my identity could not be verified so I needed to go into a branch. On XX/XX/XXXX, I was able to successfully open the account in a branch. There was a promotion being offered at the time that if you opened an Any Deposit Checking account and made direct deposits of $ XXXX for three consecutive months, you would receive a {$250.00} bonus. My direct deposits, each for {$1000.00}, were made on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

When I still had not received the promotion bonus, I contacted customer service via secure message on XX/XX/XXXX to inquire about the status. On XX/XX/XXXX, customer service responded that they had no record of a promotion code for the bonus being attached to my account. I responded the same day that a promotion code had not been required for the bonus. On XX/XX/XXXX, customer service responded with, " Bank of the West Online Banking and Contact Center departments are unable to modify in any way the requirements an account must fulfill to obtain a campaign bonus. Our Research Department reviews all accounts to confirm eligibility for any campaign bonus. They make the final determination whether the required criteria were met, and issue any bonuses to qualified accounts. '' I met the qualifications for the bonus and would like Bank of the West to deposit it into my account as soon as possible.
Product: Credit reporting

I contacted all my creditors about a non-collectible debt ( XXXX XXXX on my credit report. I proved that I am exempt from the debts under federal law as a XXXX Veteran. They all agreed with me and said that they have removed the debt ( s ) from their records and requested that the XXXX XXXX XXXX XXXX major credit bureaus to remove the adverse information, as of XXXX XXXX, 2015. However, all three credit reporting agencies refuse or delay to remove the adverse information from the record. The accounts are : 1. XXXX XXXX 2. XXXX 3. XXXX XXXX 4. XXXX XXXX XXXX. All XXXX credit reporting agencies are not doing what they have to by law. 1. Experian 2. XXXX 3.XXXX
Product: Credit card or prepaid card

On Tuesday, XXXX XXXX, XXXX between the hours of XXXX pm and XXXX pm ( XXXX XXXX I attempted to access my account at the following XXXX XXXX XXXX portal : XXXX : //verified.capitalone.com/sic-ui/ # /esignin? Product=Card. 

I entered my login information correctly and was taken to a page asking me to verify my Phone Numbers, Email, Employment Status and Income Information ( All of which are available from the credit agencies ). At this time, I did not wish to disclose any further information. Usually there is a button to pass by these surveys if you do n't want to answer the questions. However, on this occasion there was and still is not an option. In fact, the past few months I have been asked repeatedly by this company to disclose this information and I feel it is harassment. 

Because I can not get past this page without answering these questions, I am unable to log into my account. This has XXXX my ability to double check certain charges showing on my monthly statement that could be fraudulent. I was attempting to access my account to check for more information, so that I could report to them, if it was needed. Now I am left with no way of verifying the information. I am also not able to make my payment or file a complaint via the website. 

After not being able to access my account, I called XXXX at XXXX pm ( XXXX XXXX. The agent who answered my call, said that she could not help me gain access to my account ; leaving me only the option of answering the survey form. 

I have been an outstanding customer for this company. I pay my entire balance every month on-time and have done so for many years. Apparently, Capital One is not satisfied with my only using a fraction of my credit limit for any one month, making on-time payments and having an excellent credit score. Maybe this an attempt to get me to miss a payment, so they can earn interest and penalty fees. I do n't know, but it sure seems fishy. 

**This and many other reasons are why I have been writing my Congressman and The White House to ask for more restrictions on credit lenders. I urge everyone who reads this to do the  same and to spread the word among family members & friends. It is up to us to hold our government and the companies doing business in the U.S. accountable. I urge you to take initiative and get involved.
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected or removed disputed items ( to include unknown addresses disputed by phone ) despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX inaction violates federal law and my rights as a consumer. 
As outlined in XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX ), if the information can not be verified or if the creditor fails to respond within the required time frame, the disputed information must be removed or corrected. The incomplete investigation into my dispute has resulted in inaccurate information remaining on my credit report, which is adversely affecting my credit score and financial standing. 
JPMCB-Acct # XXXX XXXX XXXX - Acct # XXXX
Product: Debt collection

After attempting to validate debt with ARS National Services I received a response with a statement from the original creditor however with no documentation from the original creditor that the debt has been assigned or sold to ARS. If ARS National Services Inc does not have this from the original creditor they are authorized to collect on this debt.
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 a account without my wirtten instructions I was made this complaint before XXXX with the ID XXXX and I got the answer the this information does not currently appear on the credit and still in my report and must be deleted because this account was closed and dismissed for a court judge
Product: Checking or savings account

Recently I opened an account with Bank of America, my account was later closed without an explanation. I believe this action was caused by false negative reporting ; however, when I asked for the information, " why I was denied a checking account? '' I was told I could not receive it. I have attached my XXXX report which does not reflect any negative check reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an old credit inquiry that was coming off my report drop off and TransUnion dropped my score XXXX points for no reason the account was paid off early and was allowed to be by the company, It was never late so I called to inquire as the why this happen and they looked it over and said that it shouldnt have happened and to call to file a complaint with consumer finance. Gov to have the score fixed.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX  Account Name : XXXX XXXX - Account Number : XXXX Account Name XXXX XXXX XXXX XXXX XXXX- Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Unauthorized inquiries : 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 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 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 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, credit repair services, or other personal consumer reports

File dispute with XXXX XX/XX/XXXX Contacted XXXX XX/XX/XXXX Contacted XXXX XX/XX/XXXX Derogatory reporting of past due account made purchase via XXXX promotional offer ... ... Payment XX/XX/XXXX days same as cash ... .payment was made within this timeframe. Payment was not late. Bill for item was deem cash payment within 30 days
Product: Checking or savings account

To Whom it may concern i seriously need your help, my bank wells fargo is forcing me to pay to a merchant that doesnt even have a creditor, yet this place where is bought the phone off of XXXX the seller is like mer child that doesn't understand what you say, see on XX/XX/XXXX bought a phone off XXXX for {$160.00} off this seller called ( never-msrp ) then i cancelled it and got my money but still got the phone and XXXX  still got the payment but the seller send a letter to my bank Wells Fargo saying he didn't get the payment and if forcing me to a place a company that doesn't exsit and that is permently closed, and if you think about if i was to pay back to this merchant where would the credit go to when there is no company, the street address is fake and scams all over the internet about this never-msrp, look it doesn't matter wether i got the item or not the bank say this merchant wants back money and will force it out of my bank by XXXX, does that sound right to you to give money back to a place that is permantly shut down has no real location and there is no creditor to this place it's absurd, the bank wont believe me that when i tell them i payed for it by XXXX  they keep conforming it with me and that on XXXX  system, i tell you this is insane i been calling all over here and there searching all over the internet for every possible way to find information on this ( never-msrp ) and all it say is ( permantly shut down ) by the street address it came from yes i remember the street address it came from after i opened it, but tell me are you really gon na make me pay to a place that a scam has no creditor or corproate and a fraud?, and i have proof, but my bank is at a - {$150.00} negative and i you to tell the bank i refuse to pay to a place that doesn't have a creditor, it doesn't matter weither i got the item or got back my money from the bank what matters is this merchant is trying to get money off me that i already paid says XXXX, then the bank is sending me here or there trying to resolve this with useless information, please help me i need this resolve before XXXX before my next SSI check because the bank will take right out and give it to this fraud are you really gon na allow that?, and i am running out of time to resolve this, please i am begging you to help, tell the wells fargo claim department i am not playing back to a fraud place and XXXX is investing it, XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX is a fake address it say it right here on XXXX exactly to the match of this never-msrp, i need your help please there isnt much time for my bank before i recive my next SSi check and i need that whole amount {$950.00} for XXXX, don't let this fraud steal my money or let the bank force me return money to fraud, this is injustice to let this seller get away with money and not even a company, and yet it legal on XXXX when i am trying to shut it down from selling, this can't be law or logical, you can not allow this go on sir or madam.
Product: Credit reporting or other personal consumer reports

Ive noticed that several companies have accessed my credit report without my authorization, which has negatively impacted my credit score. I contacted Equifax, and their representative assured me these inquiries would be removed. Yet, despite their promise, they are still listed on my report. The presence of these unauthorized inquiries is extremely concerning, as it raises the possibility of identity theft. This situation is causing me significant XXXX and unnecessary stress, especially since I work hard to maintain a good credit profile. These inquiries are not only harming my financial health but also disrupting my peace of mind.
Product: Credit reporting, credit repair services, or other personal consumer reports

As such expense, I am so disappointed that this account is reporting on my credit report and this shall not be on my credit report due to inaccuracies! According to FCRA 605B, these company only have a little of 4-5 days to remove this accounts considering that this is inaccurate!
Product: Credit reporting

I have inquired with XXXX XXXX XXXX who is the original creditor on this old account who stated that they are no longer reporting this account on my credit report thus I should dispute and request a deletion of this from the bureau directly. However, my numerous attempts to get this account deleted from my experian report even after I have supplied them with the letter from my creditor directly that stated they are NOT reporting this on my credit report anymore. Phone calls were a waste of time I was never able to get ahold of anyone after XXXX hours of being on hold. Their website is unresponsive and I keep getting these auto generated mail from experian stating they have verified this acount however, XXXX XXXX XXXX stated they did NOT verify any information on this non-existent deleted account ....
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Credit Report, one of the statuses on the account is listed as follows : You have missed a payment on this account. XXXX XXXX This is completely inaccurate because a payment should not be listed as missed and in a delinquent status if the payment was made up at a later date. 

In addition, XXXX closed my previous complaints without resolving them. I do not appreciate this and will be contacting an agent at the CFPB by phone to have those complaints re-opened. XXXX is not permitted to close complaints just because they do not want to deal with the concerns. The complaints were not handled professionally nor were any steps taken to assure me as a consumer that my information is protected from the disgruntled employee who can not deal with customers appropriately. 

Further inaccuracies may result in more severe consequences from a legal standpoint. Please rectify the issues and behavior from your employees at once, or I will have no choice but to take it further from a legal perspective.
Product: Credit reporting or other personal consumer reports

To your company I have sent in disputes for these account reporting on my consumer report. The accounts still have inaccuracies in the date of last activity. I have asked to have them deleted for violating the FCRA, BUT THIS DID NOT HAPPEN. ( I am now requesting THE METHOD OF VERIFICATION USED FOR EACH ACCOUNT LISTED IN THIS DISPUTE. ) IF YOU CAN NOT GIVE ME THE METHOD OF VERIFICATION WITHIN THE 15 DAYS ALLOWED, YOU WILL DELETE EACH ACCOUNT LISTED IMMEDIATELY. YOU HAVE 15 DAYS TO DELETE THESE ACCOUNTS OR I WILL BE SEEKING LEGAL REMEDY FOR DAMAGES UNDER THE FCRA. DELETE THESE ACCOUNTS : ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Balance : {$21000.00} RE : Late Payment Improperly Reported- I XXXX XXXX have a RIGHT TO PRIVACY under 15 USC 1681A ( 4 ) as a federally protected consumer and I know my rights presented under the Fair Credit Reporting Act clearly outlined within 15 USC 1681 . The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So, whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n and 15 USC 1681o, which allows for {$1000.00} per violation, for account listed without my expressed written consent. I was reviewing my consumer reports and noticed XXXX XXXX XXXX Balance : {$21000.00} on my credit report that need be immediately updated to paid as agreed. My Consumer rights have been violated by XXXX, XXXX, Equifax. XXXX, XXXX, Equifax has violated my consumer rights and violated federal law. This is multiple attempts to notify you of this erroneous error on the part of your agency. This erroneous late payment is affecting my ability to obtain a loan to save my business from crumbling and also blocking me from the housing that I so desperately need for myself and my family. Please change this to paid as agreed immediately so that I may proceed with my life, or I may be forced to seek legal damages against your agency as I already have sought legal counsel in this more than important matter. Thank you.
Product: Prepaid card

I was fortunately charged on XX/XX/XXXX of {$100.00} from a fraudulent charge from XXXX. XXXX, Wa. I was told by the go program which is my XXXX XXXX financial institution to obtain a police report which I did. Which in fact the detective told me that the charge on my account was indeed a fraudulent account. I received the paperwork from go program service department on XX/XX/XXXX. They informed me when I originally made the investigation that they would put back {$100.00} onto my card. I sent them the paperwork yesterday and they're selling me that they didn't receive it on time which I have documentation of the XXXX of XXXX. Now they're telling me that it's going to be 45 days for reimbursement. I have attached my identity theft police report and questionnaire and all information to them is needed. It is plain to see that it is fraudulent charge since I did not use the card or had any payment since XXXX of XXXX. They keep giving me the runaround and I need the {$100.00} apply to my card and they are refusing to do so
Product: Credit reporting, credit repair services, or other personal consumer reports

AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENTIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.
Product: Mortgage

When HARP started my county ( XXXX XXXX, Florida ) opened an office to help residents get refinancing for their home loans. I filled out the paperwork, the county submitted it to BofA.. When BofA received the application, they immediately started placing all of my monthly payments in a private BofA account, ( they called it escrow ), not in the loan account. It started showing up as NO MONTHLY PAYMENT MADE on my credit report. The county complained, I wrote letters to BofA. I got a response that said they were holding the payments in escrow.. and I was NOT behind. BUT, on my credit report is showed I had not made a payment in over 2 years. That is still on my credit report. I have letter from BofA in XXXX stating that I was up to date on payments. BUT, it still shows on my credit report that i did not make a house payment for over 2 yrs ... They eventually rejected my application. BUT, NEVER retracted the 2 yrs. I complained every way possible. Lawyer wrote them.. still it shows on my credit report that i did not make house payment for 2 yrs.. I applied to another firm for refi. They saw the BofA entry.. Asked me.. i sent them the payments for every month for 2 yrs. They said BofA should remove that statement. They did refi my house. BUT, I still have the lines in my credit report. I needed a XXXX in 2010. They would not grant it because of the line in my credit report. XXXX sent an investigator ( retired FBI agent ) to my house for interview. I showed him my file, he agreed, BofA was lying on the credit report. I was granted the clearance based on his review. I got to XXXX and my agency hasseled me over it. I fully expect that my clearance will not be renewed when the time comes because the line is still in my credit report. I have tried every way possible to get BofA to remove that line. If you have another way? Please speak help me. It keeps my credit score low because it shows i did not make a payment for over 2 yrs. 
thanks for reading this ...
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiry date : XX/XX/2020Removal date : XX/XX/2020 Bank installment loan I went to XXXX in person to request information about availabilities regarding a loan, but i did not request any loan or line of credit and i did not authorize for them to pull up my credit - they never told me they would do this especially in a middle of a pandemic. Again, i just asked information, i did not request ANY line of credit, i just simply wanted to know information. I want this inquiry to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written several letters to Trans Union about removing the XXXX XXXX XXXX account completely off of my credit report. There are several innacuracies on this account that are illegal reporting. 
-Trans Union reported date closed : XX/XX/XXXX -XXXX reported date closed : XX/XX/XXXX -XXXX has no date reported at all. 
XXXXTrans Union reported last payment XX/XX/XXXX XXXX reported last payment XX/XX/XXXX -XXXX has no date of last payment at all -There is still a balance. There should be no balance on a charged off account. 
-There is also a recent payment of {$0.00} and is still being reported as passed due amount on a charged off account that is closed. 

This information is unverifiable and in the letters I received back from Trans Union states the same thing over and over, that they have verified the information and changed any information that was verified. They have not provided any proof or verifiable information other than a standard letter that they keep mailing out so that they do not miss the 30 day deadline response. I keep getting the same generic letter repeatedly, which to me shows they are not investigating this properly, after several attempts. 
Not to mention they have different dates for " dates closed '' which means they have made up their own dates in re-aging the account itself. It is illegal for them to have mis-information and information that does not match on all 3 credit reporting agencies. If they are not able to verify information accurately then the account needs to be removed completely off of my credit report. 
Enclosed are the letters I wrote with my proof and explanations, a copy of the reports and a copy of the same letters I keep receiving in response to my complaint.