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

I deposited my life savings into Bank of America business account and they made it disappear. I had a little business and it started to pick up, so I decided to grow it by moving my life savings into B of A business checking. It was 2020, the banks were closed except briefly by appointment ; I spent hours on the phone trying to get through to somebody ; when I did, they were rude and dismissive. I TRIED TO LOOK AT MY ACCOUNT ONLINE BUT MY ONLINE ACCOUNT WOULD NOT LET ME IN, I TRIED DOWNLOADING THE APP -- WHICH I HAD NEVER SET UP -- AND I COULD GET NOWHERE. I got an appointment to help me with the app, and the clerk SAID I ALREADY DOWNLOADED THE APP, I SAID, NO, I DID NOT. WHAT'S MORE, THE EMAIL USED WAS NOT MY EMAIL ; IT WAS AN UNKNOWN EMAIL. There would be no investigation. I continued to call and I finally got to a man who listened and he said there was obvious fraud ; he called one of my local branches, in XXXX XXXX, California and was adamant that I be seen immediately ; the woman had no interest, but agreed. I went down the next day, and she was sarcastic and dismissive. She refused to help me find out what happened to the money and would not print out the statements. She told me to file a fraud case, which I did ; I filed it for only {$7000.00} which they immediately denied. It was clear there had been no investigation. To date, no one has investigated what happened to the money ; I'm just dismissed. I suspect two people -- one person who had access to my computer and phone, and another who, I think, ordered a ton of stuff from a company I did not because she's done it before. But I can't prove it. Only B of A could have figured out who did it, and they would do nothing. Since, I have written numerous letters and gone into the branch to try to talk to the manager, to no avail. 
I had told the man who was sympathetic that I had been trying to get a printout of all my statements, and received nothing. He sent them to me. What jumped out at me was {$50000.00} CHARGE TO MY ATM. When I was looking for help, I saw that disappearing accounts had become a common problem, and who was on the top of the list? Bank of America. 
Whether or not my money was stolen by someone I know and B of A covered it up, or they stole it themselves, I don't know.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681, section 602, which states I have the right to privacy 15 USC 1681, section 604A, section 2 it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B, a creditor may not treat a payment on a credit card account under an open and consumer credit as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX2022- I sent a letter to a collection agency asking for Debt Validation. They were unable to produce the documents that I asked for in my letter. They sent an electronic copy of a lease that I NEVER signed. I gave them 30 days and nothing has been updated on my credit report. Please advise next steps.
Product: Debt collection

I was contacted by Affirm INC on XX/XX/2024 regarding payments for a purchase I did not make on XX/XX/2024 for the amount of {$810.00}. I did not make this purchase from XXXX, nor did I authorize this purchase, and I have received no XXXX  Watch as described by Affirm. The messages were sent to the spam box of an old email address I do not regularly check, dating back to XX/XX/2024. Now I am being relentlessly harassed for payment on this supposed purchase I did not make, including interest and late fees. This has already appeared on my credit report as a delinquent account and has affected my XXXX XXXX. I have filed XXXX disputes with Affirm, once on XX/XX/XXXX and again on XX/XX/XXXX. I have also filed a fraud report with the credit reporting agencies as of XX/XX/2024. I was advised by a representative from XXXX XXXX XXXX to file this claim and a fraud report with my local law enforcement. I am doing everything I can to resolve this issue since I did not make this purchase or receive any product. I feel Affirm should not be extending credit to non-verified debtors without being able to provide details on where a purchase originated and was shipped.
Product: Credit reporting or other personal consumer reports

Per the FCRA as a Federally protected consumer I am now opting out of all authorization. I the consumer may have given you written and unwritten, verbal, and nonverbal per 15 USC 6803.

15 USC 1681- Permissible Purpose i did not authorize these companies to have access to my credit file. 
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

XXXX XXXX XXXX XXXX date of birth XX/XX/XXXX contexts of complaint : This CFPB complaint has been filled to request pursuant to FCRA 605B that you the XXXX credit reporting agency block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent inaccurate and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, This account has resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX. I've attached the copy of the identity theft affidavit as proof from the US Federal Trade commission that all of the aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me and instead they are a result of identity theft and fraud.
Product: Debt collection

XX/XX/XXXX a debt collection for {$160.00} was paid in full with Helvey and Associates with an old account with XXXX XXXX. it has been over 90 days and on XX/XX/XXXX I disputed the account listed as negative on my credit report to be removed. The company refused to remove my collections account even after it was paid in full over 90 days ago. This is violating the FCRA and prohibiting me from obtaining a mortgage.
Product: Checking or savings account

Dear CFPB, I am submitting a complaint regarding Navy Federal Credit Unions handling of my request for membership. An unauthorized account was fraudulently opened in my name with Navy Federal. To address this, I sent Navy Federal a picture of my identity and service information to confirm my identity. After multiple requests, Navy Federal confirmed that the unauthorized account was closed. However, I am still being denied a legitimate membership with no clear explanation for the denial.

I am concerned about Navy Federals handling of this issue, as it has been both time-consuming and stressful. Despite my efforts to provide all necessary documentation, I am still unable to access the financial services I should be eligible for. 

I am seeking the CFPBs assistance in ensuring that Navy Federal Credit Union addresses this matter appropriately, including allowing me to open a legitimate account without further delays. 

Thank you for your attention to this issue. I look forward to your assistance in resolving this matter.
Product: Checking or savings account

On XX/XX/21 I spoke with XXXX and renewed my CD for 17 months at the rate XXXX. XXXX told me that he renewed it and will send me a copy of the CD. But he failed to renew it. 
On XX/XX/21 I spoke with XXXX, she told me that manager will renew it and will give me a call and send me a copy of the CD. But I never received any call or copy of the CD from the manager. On XXXX spoke with XXXX, she told me to call back. On XX/XX/21 I spoke with XXXX, she told that CD has been renewed and manager will call me within an hour and send me the copy of the CD. But I never received any call from the manager.
Product: Credit card or prepaid card

I made a purchase on XX/XX/2021 by using my Amex Platinum card. It was {$2300.00} on XXXX website. They shipped out a XXXX package and I never received it. I dispute this charge several times and Amex didn't take any action.
Product: Credit reporting or other personal consumer reports

The following credit inquires were made without my knowledge or authorization and I request prompt deletion from my credit report : XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

NAVIENT has been consistently harassing me and my family for many years ; since XXXX. Sometimes they would call over 10-15 times in one day! I never received debt validation from NAVIENT which is required by law pursuant to 15 U.S. Code 1692 ( g ). I sent them another debt validation request letter on XX/XX/XXXX, which can be verified by USPS certified mail records ( tracking # XXXX ). On XX/XX/XXXX, NAVIENT mailed me the payment history for these accounts detailing the payments I sent them which amount to a total of {$22000.00}. The complete payment history is attached to this complaint ( see " CFPB_NAVIENT_2 - CFPB_NAVIENT_8 '' ). Upon further investigation, the account history provided by NAVIENT 's own records indicate that these accounts were included in a " resale '' on XX/XX/XXXX ( see attached document " CFPB_NAVIENT_23 '' ). As the Consumer, I never consented to NAVIENT obtaining my personal information for the purpose of their financial gain. This by law is Identity Theft! Action and remedy are required immediately for the fraud NAVIENT has committed against me!
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked transunion and XXXX  to verify this account because there is inaccuracies. Also, this account does not belong to me and Transunion and XXXX responded verified but did not send proper documentation showing me how they verified the account and the documents they have that verified the account. In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account with a balance of {$1400.00} has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right and 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 constructions.
Product: Debt collection

I have never received any notice to dispute or verify this alleged debt which is a violation of the Fair Debt Collection Practices Act ( FDCPA ). This company IC System has made a willful violation of the FDCPA. They also decided to report this false information on my consumer report without verifying it which violates the Fair Credit Reporting Act ( FCRA ). I demand that this agency provide proof that they have sent me a notice with a certified green return card and verify this alleged debt by answering the attached dispute. If they can not provide the certified green card showing that they sent me the notice before they started reporting and the verifying information requested in the attached dispute letter then I demand that this company cease all reporting immediately.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

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 
Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXX XXXX  I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : The late payment reported was due to a clerical error on the part of XXXX XXXX. My payment was made on time, as confirmed by my bank records, but it was incorrectly recorded as late due to an internal processing delay by the creditor. I have verified with my bank that the payment was processed and cleared on the due date. 
Evidence Provided : Bank statement showing the payment made on the due date. 
Confirmation from XXXX XXXX acknowledging the error in processing the payment. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

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

Early warning services has made it to where I cant open a bank anywhere they robbed me of my rights. Ive never even had any checking accounts Ive had XXXX my whole Life with prepaid cards but with XXXX of these prepaid cards its an app called XXXX the one with XXXX bear they let you link your card to XXXX I did dispute XXXX payments with XXXX. And I got a credit from early warning services thats the only time I ever heard of them before I tried to open an account at XXXX XXXX who I have XXXX credit cards with. This is insane and when I call them they tell me they cant verify me and wont give me any information and are very rude Ive been hung up on 2 times and XXXX of them even said something XXXX dont feel comfortable repeating. This is a awful company
Product: Credit reporting, credit repair services, or other personal consumer reports

Second Notice to report fraudulent inquires on my consumer report. 
I filed a complaint with CFPB on XX/XX/XXXX and my case was closed XX/XX/XXXX that the issue was resolved. The following inquiries are still on my consumer report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Sending several times of multiple letters, unverified inquiries listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these inquiries remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the inquiries that are still showing on my report. 
XXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/2020 XXXX XXXX XXXX Date of inquiry XX/XX/2020
Product: Credit reporting or other personal consumer reports

The contrast between my consistent on-time payments for this account and the distress caused by the inaccurate late payment entry is stark. Maintaining punctuality has been my unwavering commitment, and this inconsistency is weighing heavily on my mental well-being, disrupting my sleep and peace of mind. With utmost respect,
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Unauthorized Collection Account on My Credit Report Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 ( 15 U.S.C. 1681i ) and 609 ( 15 U.S.C. 1681g ), as well as the Fair Debt Collection Practices Act ( FDCPA ), specifically Section 809 ( 15 U.S.C. 1692g ), I am writing to dispute the following collection account that appears on my recent credit report : Collection Agency : XXXX XXXX Account NumberXXXX Amount : XXXX Date of Account : XX/XX/XXXX I did not authorize this account and do not recognize the mentioned debt. I request that you investigate this account and remove it from my credit report as soon as possible. 

In accordance with the FDCPA, specifically Section 809 ( 15 U.S.C. 1692g ), I request validation of this debt. Please provide me with verifiable proof that this debt belongs to me. 

I appreciate your prompt attention to this matter and look forward to your response in accordance with the FCRA and FDCPA. 

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

The account and inquiries in question are unknown to me and do not pertain to any transactions involving the acquisition of goods, services, or money that I have authorized or made. The information provided on some of these account has been deleted from other credit bureaus, which raises concerns about the accuracy of the reported payment histories and the validity of these XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXXXXXX Balance Owed : {$2300.00} XXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with capital XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Credit card

Dear CFPB : FYI - Here is my self explanatory follow-up letter to XXXX XXXX at Citibank for my case # XXXX regarding my Citi Card account. I would appreciate your follow-up with Citibank, as I still think their practices with seniors and others financially damaged by circumstances beyond their control are abusive and predatory. I removed my letterhead and signature along with my Citi account # before sending a copy of this letter to you. Feel free to share this information with those deemed appropriate and to add this letter to your database for complaints against Citi. Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

I spent considerable time on the telephone and going through several " escalation '' personnel to try to resolve the issue with Bank of America. This involves an account that was closed at my request and regular payments were debited from my checking account until the balance was paid in full. When the debiting stopped, I assumed the debt was paid. Three years later I received a 1099-C from Bank of America indicating a cancellation of debt in the amount of {$890.00}, which was supposedly the remaining unpaid balance. Bank of America would not let me pay this amount when I offered, saying that it was already written off of its books. I received a tax bill from the IRS for the {$890.00} increased income, resulting in additional taxes of almost {$300.00}, which I paid. This appears on my credit report and will come off in XX/XX/XXXX.  However, Bank of America has decided to " update '' the account and is now reporting {$890.00} past due every month, resulting in a monthly decrease in my credit score. This {$890.00} debt does not exist. It was written off by Bank of America in XX/XX/XXXX, it was charged as income to me and reported to the IRS, I paid income taxes on it, and Bank of America took a tax deduction for a bad debt. They can't come back in XX/XX/XXXX and report the amount as still past due.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent my letter off on XXXX XXXX. I told the credit bureaus to investigate every piece of information on the account I have listed below. Also I have attached the letter I sent out here is the tracking # XXXX XXXX XXXX XXXX XXXX According to the FRCA the term " investigate consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

They stated my account was verified but how is it possible if they did not do the proper investigation according to the law. Also every piece of information on these accounts still are not reporting 100 % accurate. According to the FRCA 15 USC 1681 everything has to be 100 % accurate. I have the credit report showing inaccuracies. 

Accounts XXXX XXXX XXXX XXXX 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

XXXX XXXX XXXX ( auto financing ) was included in my chapter XXXX bankruptcy filing. They were paid in full ( 100 % ) by my trustee employed by The Ohio XXXX District ( XXXX Ohio ) Federal Bankruptcy Court. 
The Chapter XXXX Bankruptcy has been successfully discharged. They continue to report on my Transunion credit report as this account being " open '' after attempts by myself thru the online dispute option. I have plenty of documentation showing they were my auto finance company, they were paid in full thru the Ohio Federal Bankruptcy Court, and that they were notified and informed of the completion and closure of the case by the courts.