23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

In XXXX of 2020 I applied for unemployment but time passed and I never got not one letter from them .I thought I was denied so then I got sick with XXXX  19 I went in a coma for awhile and stayed hospitalized for several months during this time someone intercepted my mail got my edd card activated it and took over my account .recently I got a notice from the IRS saying I owe money for funds I received from edd so I was shocked I called edd then was instructed to call bofa so I made a claim for the money they stole from. Me it was well passed {$20000.00} so within two days of my claim I got a denial letter in the mail I faxed them my admittance and discharge papers from my time in the hospital and that didn't help they still denied me the second time XXXX don't have anyone to hear me they don't care that you are struggling or behind on your rent or about to be with no food they don't give you any answers to any questions
Product: Credit reporting or other personal consumer reports

Equifax refused to remove fraudulent inquires from my report.
Product: Checking or savings account

I am writing this letter to request assistance obtaining a reversal of funds withdrawn from my checking account at the Bank of America ( BOA ). This withdrawal created a negative balance and caused a financial hardship ; my bi-weekly paycheck hit the account. I requested the BOA to replace the funds to satisfy the overdraft while they further conduct their fraud investigation. I call the bank daily to obtain the status of BOA investigation. The representatives tell me that the investigation could take between 45 to 60 days to complete ; meanwhile, my account receives overdraft fees. On XX/XX/2018, I noticed an unauthorized withdrawal from checking account for {$550.00} ; I immediately contacted the bank to report the transaction. On XX/XX/2018, the bank refunded the money and conducted their investigation on the Merchant ( XXXX, TX ) to obtain more information on the company and the transaction. On XX/XX/2018, the BOA applied a temporary credit reversal on the XX/XX/XXXX fraudulent claim against my checking account for {$550.00} which caused an overdraft. I contacted the bank to obtain the status of the refund, and the representative asked that I submit a letter ; I sent the following letter : I am requesting a hearing on the decision to deny the fraudulent claim of an unauthorized withdrawal from my checking account on XX/XX/2018. The representative I spoke with on XX/XX/XXXX directed me to write a letter regarding my knowledge of the fraudulent withdrawal transaction from my checking account. The Bank of America representative said the denial was determined after an investigation raised questions about withdrawals that occurred in XX/XX/XXXX and XX/XX/2018. I am not aware of how the fraud happened, and I did receive calls from the Bank of America reporting the compromise of customer accounts. The BOA immediately canceled my debit card and reissued a new card by mail. I monitored the checking account and noticed a couple of unauthorized withdrawals ; I notified Bank of America immediately. I am requesting a hearing to reconsider the denial of fraudulent charges to have the money redeposit back to my account. I don't know anything about the company or who may have accessed my account. I feel it is unfair that I am penalized and held responsible for the unauthorized withdrawals. The overdraft on my account caused financial hardship, and I ask that I not be held accountable for transactions that are out of my control. I am requesting a hearing to replace the funds withdrawn from my checking account which created a negative balance and caused a financial hardship. I call the BOA daily to obtain the status of the investigation and decision to refund the {$550.00}. To date, the representatives say the decision may take 45 to 60 days meanwhile I lost my paycheck ( auto deposit ) to the account which continues to receive NSF fees. As I write this letter, I recall the airing of XX/XX/2018, XXXX XXXX XXXX with XXXX XXXX discussing problems many banks face dealing with XXXX hacking into checking accounts. I would appreciate your help to solve this problem with the Bank of America.
Product: Debt collection

My vehicle I had under an auto loan with Santander and met into a car accident which caused the vehicle to be totaled. My vehicle payments had been on automatic payments and the money was immediately taken from my account every month on the same day. Santander decided not to take the final payment out of my account and did not bother to update me or let me know that they would not be removing the final payment from my account automatically nor did they send any email or letters stating that THEY would stop payments from the automatic payment system I agreed to on day 1 of receiving my vehicle.

Upon finding out the final payment was still outstanding I paid the balance in full, and Santander closed my account stating it was paid in full. 1-week later Santander reported to the credit bureaus that my account was charged off as a bad debt for {$780.00} when I had a {$0.00} balance and closed account being reported to me.

When I received notice that the account had falsely been reported as bad debt and that the balance of {$780.00} was incorrect as well I called santander to figure out why they would incorrectly report my account as a bad debt charge off when it is paid and full and closed the employer stated I no longer have an account with them because it is reported in their system as paid and closed so they refused to put me through to their credit department.
Product: Credit reporting, credit repair services, or other personal consumer reports

Accounts that are not mine are being reported on my credit report XXXX there is no balance but this account does not belong to me. 
XXXX XXXX  balance {$750.00} being reported but account is not mine. 
XXXX account does not belong to me. 

Paid for deletion and is still being reported : XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) {$180.00} XXXX XXXX  was included in bankruptcy but still being reported negatively. 
XXXX XXXX XXXX payment history being reported inaccurately. 30 day late payment. Account was never late.
Product: Credit reporting

XXXX XXXX XXXX XXXX. XXXX XXXX PA XXXX Is reporting a personal line of credit which had no balance and was paid in full as included in Bankruptcy. 
The same with a auto loan and mortgage. These accounts were not discharged in my Bankruptcy. The bankruptcy judge and attorney was aware these items were to continue to be paid as agree never late. All three credit bureaus are reporting this information inaccurately.
Product: Mortgage

To Whom It Concerns, The law firm that is supposedly handling the short sale is refusing to respond to emails or messages. XXXX XXXX XXXX and XXXX XXXX XXXX are the XXXX lawyers asssigned to the case. Also I informed XXXX XXXX that her client was harassing me with eviction and changing the locks without notice on the property when it is not in their name. I would like to speak with her to settle the judgement in full. However, they refuse to respond. I do n't know why. It makes no sense. I would appreciate a response and / or a phone call. 
Thank you for your time, XXXX XXXX CASE NUMBER XXXX XXXX XXXX, XXXX XXXX is the the mortgage company.
Product: Credit card or prepaid card

My ex XXXX XXXX committed identity theft in my name. He took out credit cards, phones, and other electronics, made himself an authorized user on the accounts to make it look like he was authorized to use these accounts. On XX/XX/XXXX, he applied for multiple credit cards unauthorized. He then charged all of those credit cards to the max, took out phones in my name online, and before I could ask him about it, he puts a no contact restraining order against me.
Product: Credit reporting or other personal consumer reports

the following accounts that are listed on my credit report are fraudulent XXXX  : Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I'm submitting this complaint in response to a notification on my credit report. The files reported are inaccurate and erroneous and are leading to a negative impact on my credit file. I am including proof with this letter and the following information on the credit report is incorrect. 
XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous dispute regarding several negative items on my credit report. Despite my repeated attempts to rectify this situation, I have yet to receive a satisfactory resolution. It is concerning that these items remain on my report despite clear evidence of their inaccuracy and lack of verification.
Product: Credit reporting or other personal consumer reports

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the XXXX and TransUnion credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX Balance : {$430.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with section 601. Short Title : Fair Credit Reporting Act I have not initiated any transaction with any of the companies listed below. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with any of the companies stated for review or collection 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. These companies had violated my rights as follows : 1 ) 15 USC 1681 602 ( a ) Reads as : I consumer ( s ) have the right to privacy.

2 ) 15 USC 1681 604 ( a ) ( 2 ) Reads/Paraphrased as : It also states a consumer reporting agency cant furnish an account without my written instructions.
Product: Student loan

As of XXXX/XXXX/2015, I have maintained part-time enrollment within XXXX University 's XXXX program. XXXX University is located in XXXX XXXX, FL. In early XXXX, I contacted ACS, my private student loan servicer to request a continued deferral on my private student loan account. ACS told me that they would process my deferral if I provided them with a letter of enrollment from my institution. I faxed a letter of enrollment to ACS on XXXX/XXXX/15 and XXXX/XXXX/15. I received successful verifications of the transmittal of the faxes to ACS. Despite this, ACS claims that they did not receive the fax and debited my checking account for the monthly payment of my private student loan. I e-mailed ACS a copy of the enrollment verification letter from my school on XXXX/XXXX/2015 since it is apparent that they have difficulty with not misplacing faxes. Today, I received an e-mail from ACS stating that they will not accept the " verification '' of my enrollment because the letter does not indicate my enrollment status. However, the enrollment verification letter does display my current enrollment status. I need your assistance in sorting out this letter because it is clear that ACS is attempting to thwart my attempts to defer my loan in an attempt to swindle money from a hard-working XXXX who is pursuing a graduate level degree. Notably, this is not the first time that I have had to file a complaint with your department regarding ACS and this private student loan account. Please reference your case-numbers : XXXX & XXXX & XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been victim of identity theft and I keep trying to fix it, I already contacted everyone regarding this matter, yet no one is helping me. Someone has opened a loan under my name without me knowing. I already contacted you as well for this problem but yet there is no action. Please help me to fix my credit and remove the fraudulent account from my report. 
It is XXXX XXXXXXXX XXXX XXXX XXXX loan, Date opened XX/XX/2022.
Product: Mortgage

I originally received pre-approval for a mortgage on XX/XX/XXXX and submitted a loan estimate from a competing lender on XX/XX/XXXX which better.com was unable to match or beat. Additionally, Better.com advertises a " Better Price Guarantee ''. Upon speaking to the loan officer, XXXX XXXX, I was told that they need to receive the closing disclosure before the {$100.00} could be disbursed. I reached back out in XXXX ( correspondence included ) XXXX to follow-up on the payment. Better.com still has not provided me with the {$100.00} payment. 

https : //better.comXXXX
Product: Checking or savings account

I have been trying to close my fathers checking account. He is deceased. I am the executor. I faxed in the paperwork but cant get hold of anyone to confirm or get status. I live in a state where there are no US Bank branches
Product: Credit reporting or other personal consumer reports

I am writing in response to your recent communication regarding my submitted CFPB Complaint concerning unauthorized hard inquiries appearing on my credit report. 

I am concerned about the thoroughness of your review process, as my original complaint ( ID : XXXX ) included all necessary documents such as my identification, full name, and proof of address. Despite this, it seems there may have been oversights in the examination of these details, prompting me to reiterate them within this letter for your reference. Enclosed are the details and documents that you are asking for.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX 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 written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 

We've talked to the bank & they've agreed to remove the account. BUT XXXX has some internal block which they're claiming they can use to not block the account because they feel they're above the law. When questioned why they're not accepting the Identity Theft report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the Identity Theft report ( which is a FEDERAL LAW ). So XXXX feels they're above the letter of the law & will not explain their policy... 
XXXX XXXX XXXX XXXX Date Opened : XX/XX/2008 Balance : {$49000.00}
Product: Checking or savings account

On XX/XX/XXXX my phone was stolen. With my phone it is unlocked for my toddler. My notes in my XXXX contained all passwords. The thieves managed to reverse 40 payments made in the last few months and send them to XXXX XXXX and XXXX XXXX. I never made the initial claims. I called Bank of America after returning from my vacation to notify them. I was told 9 days and Ill be okay. Every time I call I get disconnected between transfers. The employees have different information every time. This is the bank Ive used for 3 years no issues. This is my main account. I was instructed to freeze my account and when my direct deposit is done processing call back and as long as I created a new account the money would be able to be transferred to the new account. I listened and when check cleared I called back. Then I was instructed I was provided misinformation and that I can not have my funds released. I asked well if my account was frozen why was it not returned to sender. They said I can make payments but cant send money. So they lied and took 2 weeks of pay in addition to the original money lost. After creating a new account I worked and waited 2 more weeks for this check on XXXX XXXX I had this account for 2 weeks. Nothing should be associated with my hacked account due to investigation. I provided all information including all false claim numbers and police report. On XXXX XXXX I had lunch and made a purchase of around {$100.00} at the mall for XXXX shopping since Ive been without pay for a month. Within 30 minutes of leaving mall heading to XXXX my account was closed. The bank told me they could do that at any time. The lady from Risk Management told me she would open my debit card for 15 seconds Ive never heard of that. I left XXXX after shopping and waiting in line for 30 minutes because my card was declined after just receiving direct deposit. I get to the atm to pull out the money. She then says she gave me the wrong information. I was told Tuesday I could pick my money up from the bank by risk management. I called Tuesday before heading to the bank and confirmed I could get my money. The bank calls risk management they said I could not get my money back until earliest XX/XX/XXXX. I left the bank called risk management and they told me my funds are available for pickup
Product: Credit reporting, credit repair services, or other personal consumer reports

I moved to XXXX NC in XX/XX/XXXX and had several XXXX credit cards that I was using for moving and living expenses. All five accounts were current and had always been paid on time when XXXX unexpectedly closed the accounts without warning or cause. On XX/XX/XXXX I sent XXXX a letter asking to reopen the account in exchange for the additional consideration. In my letter, I provided two offers to chase, with the first being to reinstate the accounts in exchange for the consideration which was enclosed. The second offer was to accept the consideration as payment in full. XXXX accepted the payment and never reinstated the accounts. Shortly thereafter, XXXX began reporting the accounts as late and eventually as charge offs. However, the accounts were settled in full per the letter sent XX/XX/XXXX and I was never late on a payment. On XX/XX/XXXX I decided to pay additional consideration to XXXX in exchange for their agreement to remove the negative information reported. They again accepted my consideration checks but never removed the negative items from my credit reports. I have attempted to dispute the information with the credit bureaus as well as directly with XXXX many times but they continually fail to report the account accurately. On XX/XX/XXXX I sent XXXX a letter again disputing the status of the accounts and demanding validation. XXXX failed to provide adequate validation and simply replied to my demand with old credit card statements. XXXX also failed to report all XXXX accounts as being in dispute. On XX/XX/XXXX I sent XXXX another letter demanding the five accounts be updated to remove all negative items, or to correctly report the accounts as never late, paid as agreed. Today, I received more letters from XXXX simply providing old credit card statements once again. These five credit card accounts are negatively impacting my credit score and XXXX has deliberately and continually ignored my demands to correct the information.
Product: Debt collection

On XX/XX/XXXX, XXXX XXXX called and tried to tell me that I needed to tell her my Social Security number and to go over my assets with her. First of all, I have never heard of her or her company Global Credit Collections in my life. I DO NOT NOR WILL I EVER HAVE A CONTRACT OR ACCOUNT WITH THESE LAND SHARKS, or the company DISTRESSED XXXX XXXX XXXX XXXX..How a  complete stranger can call and insist on these things, I have no idea. 
I told her I do not give out this information to people who call me. She then told me to call her back so she would know who she was! REALLY???? 
I told her I was working and couldn't take calls at work and hung up. 
On XXXX, she called my office number and was disconnected. She called me on the XXXX on my private line, while I was at work, after being asked not to. On XXXX she called my office line again and was disconnected. I called her right back, told her who I was and asked her if she just called me and she said ''YES ''. 
When I told her not to call me at work, she DEMANDED me to verify who I was ... ..um yes, already did that and she admitted she called me. Lets check the recordings. 
XXXX was the last straw, when she called me and HUNG UP!!!!. I am sorry, but I don't HAVE TIME FOR GAMES.I called her back and told her not to call me at work, to which she replied, we work during work hours, when am I supposed to call????? OMG!
Product: Credit reporting or other personal consumer reports

Im writing to urgently address a fraudulent account that has appeared on my credit report. This account was opened without my authorization, and its the result of identity theft. I have not opened this account, and I am incredibly concerned about the impact this is having on my credit.
Product: Credit card or prepaid card

i used to have credit line account XXXX with usbank cash flow manager for 7 years. 
at the end of XXXX i decided to cancel my account because of {$150.00} fee .i was told by the bank manager that he will try to wave the charge so i can leave the account open. 
the manager told me that the charged waved so i left the account open.then again at the end of XXXX again i went to the bank to wave the charge and he told me that this charged can not be waved.i just now realized that the manager who was in charge during XXXX lied to me when he said that the account was not charged {$150.00} usbank department of credit lines try to make money out of people not knowing or not aware that they charge by the end of the year,
Product: Credit reporting or other personal consumer reports

I recently review a copy of my credit report and notice i had fraudulent accounts on my report. Please remove these accounts from my report as they are hurting my ability to obtain credit. and due to that i cant not get a car to go to work or even rent a good place for me to stay and thats really hurting my ability to help my family or myself. Like right now if it wasn't for my girlfriend i would probably be sleeping outside. and I had reach out multiple times just to get sent around. Please help me take these information out of my report as I can't even keep a job cause no transportation. and I do have a Policy report from when I lost my documents the case number is XXXX from XXXX XXXX police department and also if you need to Contact me please Contact me via email @ XXXX as I don't have a physical address right now due to all this. I put a picture of my green card and my tax return from 2023 you can us XXXX to verify my identity if needed thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. There are still inquiries reporting on my credit report. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX-Date of inquiry XX/XX/XXXX XXXXDate of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX