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

On XX/XX/XXXX, my Bank of America checking account was closed WITHOUT warning or prior notice. My account was frozen and I was told that I am not able to withdraw my funds from my account. 

I was told my my funds are being mailed to me and that it could take several weeks before I receive my money. 

I have apporximately $ XXXX in the account that is being closed. 

I have bills that are supposed to be paid out of that account in a few days, including my RENT! I am now most likely going to receive late fees for these charges and on top of that I have no money to pay for anything because the bank decided to abuptly close my account.
Product: Debt collection

I have tried to get in contact with this company multiple times and they refuse to update my balance to the correct amount. On my credit report it shows an unpaid balance of over {$1100.00} when actually all but {$570.00} has been paid. I have attached proof to this complaint and I expect my credit reports to all 3 be updated immediately with the correct amount owed.
Product: Debt collection

LVNV - AKA Resurgent - Reporting XXXX  XXXX - XXXX I have spoken to XXXX XXXX - There is NO ACCOUNT in collections - I have 5 XXXX   XXXX Accounts all with perfect history LVNV - According to court records, This is not their name - They went Bankruptand have hundreds of complaints and lawsuits * They report NO acct number States acct opened in 2017 - I was hospitalized the entire year XXXX XXXX would not grant me credit if this was true * I asked LVNV to furnish me any and all documents IDS, SS Card or any other DOc - I would file ID THEFT if they provided This is NOT the 1st time they have reported fraudulent info on me and maybe someone inside their organization - Please delete this account from XXXX XXXX, XXXX immediatly
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 and list of Inquiries 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card

A charge was made to my credit card ending in XXXX on XXXX XXXX which when reviewing my status, I called Bank of America fraud area to open a claim, which they told me in 3 days that it is not possible to approve my claim, which I called again to dispute the response and again they rejected my claim, but this time indicating that they would send me their response to credit reports ( I found this as a threatening way against me, to stop continuing with the dispute, which I called the bank again and I still have no response, it is XXXX dollars, but What hurts me the most was that I have been with them for 4 years, trusting my money and my company, and when I need their help they treat me like a stranger, their way of responding to a client who trusted them
Product: Checking or savings account

Union Bank is placing fraud holds on minority owned accounts. On XX/XX/2018, I traveled to XXXX XXXX. I was able to use my debit card on Friday and Saturday using my pin code and debit transactions. Sunday came and I was unable to use my debit card. I knew they had placed a fraud hold on my account. I attempted to call union bank, however, they were closed. They were also closed on Monday for the Holiday. My concern is if you are placing a fraud hold on someone's account on a Sunday, there is no way of releasing that hold. No one to contact, you are just stuck without access to YOUR MONEY. This is not right. If they are placing fraud holds on those days they need to have some way to release it. Whether it is verification online or via automated system there should be some way instead of leaving the customer without a way out. I called and spoke to a supervisor on XX/XX/18 at XXXX XXXX. ( please review the recorded call ), they told me that I am REQUIRED to place a travel notification on my account. I asked him where is that in writing at, he stated in the disclosure. After asking him what page and where, he then changed it to it is not in writing. So, basically, union bank would like their customers to violate their own privacy rights in order for them to use their own money. I should not have to disclose where I am going or that I am traveling to utilize MY MONEY. Then the supervisor told me that traveling was not the only reason they put a hold on my account. I knew that it was because I am a minority. Then, he came back and stated that traveling was the only reason they put a fraud hold on my account. I am wondering why was a fraud hold not placed on my account when I initially got to XXXX XXXX on Friday or Saturday when I was using it. Also, I was putting in my pin number. So why was a hold placed in the first place? I say that they only do this to minorities because a friend of mines who is not a minority has the same bank and never has this problem. I have had this problem several times. Please launch an investigation against union bank regarding their violation of privacy rights ( as they are telling customers they are REQUIRED to disclose their travel plans ) and also for only placing fraud holds on MINORITY accounts. Thank you for being a blessing in this world CFPB. The consumers of America need protection against companies who engage in discriminatory and illegal practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$990.00} XXXX XXXX XXXX XXXX XXXX XXXX. Balance : {$1100.00} XXXX XXXX XXXX XXXX XXXX Balance : {$740.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$390.00} XXXX XXXX XXXX XXXX XXXX Balance : {$310.00} ; XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$520.00} ; XXXX XXXX XXXX XXXX Balance : {$760.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$4200.00XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$980.00} XXXX XXXX XXXX XXXX XXXX Balance : {$1500.00}  ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires them to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If they do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached an FTC report with inquiries I did not authorize and are fraudulent
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been diligently trying to challenge some fraudulent items on my credit report with Equifax and between XXXX and today Equifax has refused to respond to my letters and or online request. 

I cant view my Equifax reports on XXXX XXXX, Equifax.com or XXXX XXXX XXXX. I found a way to view them finally about a week ago bit Equifax is still ignoring me. This violation of the fcra and if im not able to check my reports and have a proper dispute investigated then I will if need be contact a FCRA attorney, also I have always sent in the required documents to verify my identity. My id social security card and proof of address listed on your website. Th proof ofaddress was dated within the last 30 days and im elderly and XXXX  so they are violating the American disability act. they are taking advantage of the ederly
Product: Credit reporting or other personal consumer reports

I have attempted several time to have this remove from my credit since it is reporting inaccurately. This account is a violation of The No Surprise Act. My privacy is covered under HIPPA Laws. You must delete this from my report immediately.
Product: Debt collection

Agency refuses to remove debt from my credit report even though it has been paid in full, have called them multiple times and disputed
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an open mortgage loan with XXXX XXXX XXXX XXXX Acct # XXXX reporting date XX/XX/XXXX and an open date XX/XX/XXXX. Bayview Loan Servicing is reporting that I had a loan with them open date XX/XX/XXXX. ( Fair Credit Reporting Act Violation ) How can I have two separate mortgages open around the same time in two different States? 

I never had a mortgage with BAYVIEW LOAN SERVICING at no time in my entire life. I have enclosed my supporting documents to affirm the claim that Bayview Loan Servicing repeatedly violated the Fair Credit Reporting Act as the Federal Fair Credit Billing Act. Bayview Loan Servicing is also have been and currently involved in various Federal lawsuits for violating The Fair Debt Practices Act ( SECTION 1692/UNFAIR PRACTICES ). 

I am a victim of their unlawful credit reporting and I humbly request the set mentioned account be permanently be removed from my credit report within 24 to 48 hours. I have included in a appendixes A, B, C, D AND E documents to solidify that the set forth credit Bayview Loan Servicing account should be removed from my XXXX credit report. 

I have always maintained an excellent credit rating and this incorrect account is hurting my credibility and demanding mu character.
Product: Vehicle loan or lease

I requested a Covid 19 extension from the lender for 3 months in early fall XXXX. I requested a second extension for XXXX and XXXX of XXXX. The paperwork for the extension agreement had not come initially and it took weeks of phone calls trying to get them to email ( personal and work ) and send to my home mailing address. Anyway after many phone calls and email I finally got the initial one for the early fall and I signed it and mailed it in and by this time it was XXXX. 

Moving ahead, same multiple phone calls to this company and the second extension did not arrived. I then received a notice from a collector for the lender. Arrangements were made to settle the loan and an amount lesser than the loan balance. I received a letter from the collector in XXXX ( unfortunately I do not have a copy as it is in California in storage ) and requested a second proof letter on XXXX which is attached showing paid in full. Proof of payment on XXXX is attached. See the letter they sent me XXXX that says there is still a balance. However, when I call their customer service/title department they acknowledge that it has a XXXX balance and is settled in full. 

In the interim I have disputed with the lender because they were not sending my title after I requested the title on two separate occasions one in XX/XX/XXXX and again in XX/XX/XXXX. I was told the title would be mailed to me in Nevada even though the motorcycle is registered in California which is where I also bought it. Each time I have moved I notified the collector/lender. 

I am at my wits end. I had XXXX XXXX XXXX on XXXX and am still on XXXX. Every time I try to get this issue resolved, it stresses me out and is not good for me. I don't know what else to do and need some help. That is why I am reaching out to you. In fact, I've had witnesses when I call them and they have seen how often I get transferred around. Its horrible. Please help. I'm providing as much documentation as I have with me. Unfortunately, I am in XXXX, NV because I got sick here and had to have XXXX. I am not a permanent resident of Nevada and am currently staying with a friend while I attend doctor appointments.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, NC XXXX I am filing this complaint regarding an inaccurate item on my credit report that continues to negatively impact my credit. 
Despite my efforts to resolve this directly with the reporting agency, it remains unresolved. I request immediate investigation and removal of this item, as it is incorrect and does not reflect my true credit history.
Product: Credit reporting, credit repair services, or other personal consumer reports

Have tried too many numerous times to get my credit report on line to no avail, they say information doesn't match have mailed and faxed also my identity proof two times and have even talked on the phone but didn't help. They had wrong birth year but the said they corrected it but I don't know if that is true because I haven't seen my credit report and what other things of information could be wrong. I also have seen hundreds of others have same issue as me
Product: Debt collection

Back in 2014 I had XXXX at XXXX XXXX and they improperly coded my procedure resulting in my insurance company at the time not paying the entire balance which I just found out about and have been charging me interest monthly after checking my credit report. I have attempted to contact the collection agency and have been told that they can not do anything about correcting the issue and I have no rights other than to pay the entire balance to them.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had three late payments on an account that I was in granted a goodwill faith to show on time regarding my circumstances. The consumer reporting agencies have need to report all information complete accuracy. This account has not been late on payments I've attached a copy of my report to this complaint on the following dates ( XXXX XXXX XXXX XXXX XXXX XXXX ) Im now requesting you investigate and provide verifiable proof with recording showing that I had late payments or the company wasn't notified that they had a received payments. Also show proof that didn't agree or update my report current then change to not current. If this information can not be verified I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action.
Product: Checking or savings account

I was traveling in XXXX from XXXX XXXX. On the XXXX, i ate a restaurant. They charged me {$51.00} for dinner, {$3.00} for a tip, and {$430.00} for no reason that I can fathom. Nothing on the menu was over {$30.00} dollars ( USD ). 

I contacted Umpqua within 2 days of the purchase, through secure messages. I told them i had not spent that money, and the charge was incorrect. There was some debate about whether this counted as fraud, or a false charge. As I am not a banker, I do not know the XXXX and outs of their terminology. Finally, I called their fraud department to speak to a person about this issue. On XX/XX/XXXX, this customer service representative filed a false charge claim for me. 

Today, XX/XX/XXXX, I received notice in the mail that they had denied my claim because it did not seem to be an accidental charge. I do not understand how they came to this conclusion, as this charge is wildly inconsistent with my usual spending habits. For example, XXXX of the largest regular charges I make is for groceries, and that is usually under {$100.00}. I do not think Umpqua Bank has done an acceptable job protecting me as a consumer. This is what they have insurance for, but they are passing the cost onto their customers instead.
Product: Credit reporting or other personal consumer reports

I sent a dispute letter on XX/XX/XXXX ( attached ) informing you that there were unauthorized inquiries on my credit report and a FTC report was filed. The only permissible purposes of an inquiry are employment, insurance, court order and firm offer of credit, neither of which apply - remove immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been fighting for 6 months to get this fraud account from XXXX XXXX ( XXXX XXXX XXXX ) off my report with XXXX  and equifax. I do not understand what the issues is that they wont remove it? I have sent them proof of the police report number too. I want this remove from my reports
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX Date Opened : XX/XX/year> Balance : {$0.00} Late/Closed XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Product: Checking or savings account

I mailed a check to my landlord on XX/XX/XXXX. Sometime between mailing the check and XX/XX/XXXX, it was stolen. On XX/XX/XXXX, at around XXXX pm PDT, the check was cashed unsigned at a Bank of America ATM. 

I filed a report with XXXX on XXXX, mistakenly as a dispute ( originally Dispute # : XXXX ). It was moved to the XXXX XXXX on XX/XX/XXXX. It is now Dispute : XXXX. I have also filed a police report ( XXXX, filed on XX/XX/XXXX and rejected on XX/XX/XXXX ), but XXXX XXXX XXXX rejected it because it is mail theft. I have also filed a claim with XXXX ( Service Request Number : XXXX ), but that did not go anywhere. 

On XX/XX/XXXX, XXXX faxed a signed affidavit from my landlord to Bank of America regarding the stolen funds. As of today, I am being told that Bank of America is behind on paying out these claims and again reiterating the 90 day window. As this was a check cashed unsigned, I find this abhorrent and am filing this claim against Bank of America in an attempt to get my money back. 

I have attached : - My email thread with my representative at XXXX ( XXXX - XXXX XXXX case # XXXX ) - Signed affidavit from my landlord ( XXXX ) - A record of the unsigned check that was cashed ( Details | Accounts | Bank | XXXX ) - My rejected police report ( Pending Police Report - Stolen Check )
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/2024 my bank ( XXXX ) sent a payoff check to SoFi in the amount of {$17000.00} ( see payoff letter, attached ). The check was sent on XX/XX/2024 via XXXX XXXX and received by SoFi on XX/XX/2024 and signed by XXXX XXXX ( see proof of delivery, attached ). The check was lost and the bank had to send a second check which Sofi received on XX/XX/XXXX. They are now charging me another {$100.00} because they could not find check.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached a copy of my ID to prove my identity so my case will not be close automatically. 

I purchased a car using XXXX XXXX for financing. The company handling the repossession in a way that made customers owe a significant amount after repossession. There has been a class-action lawsuit against the company and it was ruled ( Section 12 of Final Order ) the deficiency balance reported to credit agencies will be waived and forgiven. 

I provided a copy of the class-action lawsuit to Experian, XXXX  and XXXX  they still found the information on my credit report to be accurate. They are relying on information provided by XXXX XXXX instead of following the court ruling. According to the court 's ruling in the final settlement, the information is to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022, submitted a letter to the XXXX XXXX XXXX XXXX  XXXX, regarding an entry appearing on my Transunion Credit ReportingAccount. 

XX/XX/2022, received a letter from the XXXX XXXX XXXX XXXX  XXXX, confirming that the XXXX. Bankruptcy court does not report case information to the credit reporting agnecies. 

XX/XX/2022, submitted a follow-up letter to the Transunion Credit Reporting agency in which Transunion has reported as being verified with the bankruptcy Courts, which prompted me to contact the Bankruptcy Court .
Product: Money transfer, virtual currency, or money service

I attempted to purchase tickets on XXXX and sent {$140.00} to someone through XXXX via Wells Fargo and the person I sent the money to never returned the money or sent me the tickets.
Product: Mortgage

My prior mortgage company sold my mortgage and did not give them my current contact information. I was not contacted. Since I have automatic withdrawl I assumed that the money was coming out. XX/XX/XXXX is when the transfer happened and because they did n't give the current contact information I did n't notice until the new mortgage company put a 60 day late payment on my credit score.
Product: Debt collection

I have always been a responsible and diligent payer, and any instances of delayed payments have been promptly settled upon discovery. It is disheartening to see that my credit report is currently reflecting late payment information that is not representative of my true creditworthiness. 
XXXXXXXX XXXX XXXXXXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history I kindly request a thorough investigation into the accuracy of the late payment information associated with the mentioned account. I believe that there may have been an error in reporting, and I am confident that a closer examination will reveal my consistent track record of timely payments. 
I am aware of my rights under the Fair Credit Reporting Act ( FCRA ), and I am exercising those rights to ensure the accuracy of my credit information. I kindly request the prompt removal of the inaccurate late payment information from my credit report, as it is adversely affecting my credit score and overall financial standing.
Product: Credit card

I just received, and the co-owner of my home also received, a credit card from Wells Fargo. The XXXX cards had the same account number. Neither one of us requested such a card or applied for such a card. I have never had an account with Wells Fargo. Since Wells Fargo had already been fined for such activity, this is really unacceptable. Clearly the fine for their unethical activity was far too small since they continue to start accounts which were never requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried and tried to log into my XXXX credit report over several dozen times over this past year and last year. 2022 and 2023. Every-time I have called and tried to log into my XXXX. XXXX and the other reporting Credit companies have failed to correct bad and faults information on my credit reports.