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

I went online to make an appointment to open a account with Bank of America. On the day of the appointment the branch was closed when I arrived. I called customer service but the wait for someone to answer the call was too long. I went on Bank of Americas website and opened the account. I funded the account as well. The account was opened on XX/XX/XXXX XXXX The following week I made another deposit into the account. On XX/XX/XXXX I tried logging into my account and was not able to. I called customer service and I was told the account had been closed and a cashier check was mailed to to me on XX/XX/XXXX for the funds that was in my account. I was told the account was closed due to unverifiable information and I should make a appointment to open another account at a branch. I made a appointment to open another account on XX/XX/XXXX, I opened the account XXXX in the branch that day. The banker that opened the account for me told me to try logging into my account the next day to make sure I can get into online banking. The next day I tried to log into online banking but I was not able to. I called customer service and I was told the account had been closed earlier that day and a cashier check would be mailed for my funds that were in the account. The rep said Bank of America do not have to tell customers before closing their account. I was told I would not ever be able to bank with Bank if America. No explanation was given to me. This was the second account closed by Bank of America within a matter of one month. The second account that was closed which included a checking and savings, I received the cashier check for the funds last week. However, the first account # XXXX that was closed I have not received my cashier check for the money I had in the account. I have called and inquired but the reps seem to not have any info on where my funds are. I request a call from a member of management but no one never called me. I demand Bank of America to release my money that was in the account # XXXX that was closed. I have documentation to support all deposits, transactions correspondence and conversations
Product: Credit reporting, credit repair services, or other personal consumer reports

CRA ... XXXX AND EXPERIAN ... REPORTING INCORRECT " XXXX '' DATA INFOR AND NOT MY ACCOUNTS, NEVER HAD ANY PUBLIC RECORDS, REMOVE BANKRUPTCY FROM FILE, SAME DATA REPORTED 2X ON FILE, OUTDATED INFOR ON FILE, VIOLATES FCRA PROVISION 604,605,607,611 AND 623
Product: Debt collection

The debt was sold. I had the same debt with another debt collector, and it was deleted and was sold to this collector. This is also against HIPAA violation of confidentiality by this being a medical debt collection.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 
XXXX  XXXX XXXX Balance {$5900.00} XXXX  XXXX XXXX Balance {$1100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is continually reporting incorrect information on my credit report! I requested this company to validate the debt and they have not provided me with I also asked to show me the method of verification and they have not sent me anything! I also asked this company to show me how investigated the negative items on my report they have also not provided me any of these items! 
This company is effecting my credit report negatively and it is not allowing me obtain any credit lines in order to provide my family! This company is braking several laws while violating my rights as a consumer under the FCRA & XXXX! 
I reached out to the courthouse they sent me this letter in the mail that I will attach they do not report my bankruptcy to the credit agencys, somehow they wont give me the method of how they are validating this information. I asked the third party vendors to not share my information as I have consumer laws in place to protect me! They continue to ignore me XXXX XXXX XXXX XXXX- ( a ) Abusive practices There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy 15 U.S. Code 1681- ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy 15 U.S. Code 1681b ( 2 ) - Permissible purposes of consumer reports. In accordance with the written instructions of the consumer to whom it relates 15 U.S. Code 1681a - Definitions ; rules of construction. The term investigative consumer report means a consumer report or portion thereof in which information on a consumers 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. 

ACCOUNT : XXXX XXXX  AUTO ACCOUNT # : XXXX DATE OPEN : XX/XX/XXXX ACCOUNT : XXXX XXXX ACCOUNT # : XXXX DATE OPEN : XX/XX/XXXX ACCOUNT : XXXX  BANK AUTO XXXX ACCOUNT # : XXXX DATE OPEND : XX/XX/XXXX ACCOUNT NAME : XXXX XXXX XXXX CO ACCOUNT XXXX : XXXX DATE OPENED : XX/XX/XXXX ACCOUNT : XXXX XXXX XXXX ACCOUNT # : XXXX DATE OPENED : XX/XX/XXXX ACCOUNT : XXXX ACCCOUNT # : XXXX DATE FILED : XXXX XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter disputing 2 accounts as erroneous on XXXX and mailed them certified, return receipt requested. I received notice the dispute letter was received on XXXX. It is now XXXX and I have not received a response from Equifax or receive anything that I requested to verify these accounts. If they can not verify the information within the 30 day time period they must block and remove the items in dispute.
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. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : 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 reporting, credit repair services, or other personal consumer reports

I have not supplied proof under doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefor any such debt, in fact exists and Please remove all fraudulent accounts as I have no knowledge of them. Due to the Equifax data/identity theft breach my identity was compromised. According to FCRA XXXX this information must be blocked immediately until investigation is over.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this letter on my own accord without any assistance from a credit repair agency/specialist or 3rd party individual. I have reported this error multiple times and the information is still being reported wrong. And due to this false reporting it is causing me anxiety/financial hardship by making it impossible to find a place to stay. 

In accordance with the Fair Credit Reporting Act everything has to be 100 % accurate on my credit report. The credit bureaus stated that my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is inaccurate. 

XXXX XXXX XXXX # XXXX This is grounds for removal they also violated my rights under : 15 USC 1681i Section 5 ( A ) ; If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency SHALL ( i ) promptly delete that item of information as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information has been modified or deleted from the file of the consumer.

15 USC 1681i- Procedure in case of disputed accuracy I sent a letter to Experian XXXX XXXX XXXX and XXXX XXXX XX/XX/22. It has been well over 30 days and I still haven't recieved anything back. According to 15 USC 1681i ( a ) ( 1 ) ( A ) Experian, XXXX, and XXXX have 30 days to respond to my dispute. 

15 USC 1681 Section 602A. States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : States that a consumer reporting agency can not furnish an account without written instructions. I never consented to have my information reporting and please send me the name and contact of the person used to verify this account and original paperwork.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX in XXXX Michigan states I was late in XXXX, XXXX and XX/XX/2018. I paid off my car loan in XX/XX/2018. This account was paid on time for the whole contract. I wrote letters, called and also dispute on my credit report with no answer or help. Its getting frustrating and also damaging my credit report. I submitted a request for my title in XXXX to be sent with the company name removed off of it and never received the title. i am unable to upload any documents at this time.
Product: Checking or savings account

On XX/XX/2020 XXXX XX/XX/XXXX a conference call was initiated with myself and the following parties ; XXXX XXXX XXXX a compliance department representative from AXOS Bank along with a Customer Service Representative from XXXX XXXX. 

The call was in reference to a written notice received from XXXX XXXX, Compliance Officer from AXOS Bank regarding reaching a favorable resolution for a dispute I submitted with AXOS Bank on XX/XX/2020 for merchandise that I did not receive from XXXX XXXX. 

XXXX advised immediately upon me joining the call that no matter what the outcome is of this call, AXOS Bank is no longer responsible for this matter and no further action will be taken regarding this problem. I then inquired as to the purpose of the call given the information he just stated to me, he did not respond to my inquiry, merely stating, this is the end of it. XXXX then proceeded to disconnect from call leaving myself and the XXXX XXXX Customer Service Representative to proceed with the call accordingly. 

Both XXXX XXXX and myself were unsure why AXOS Bank initiated the conference call just to simply disconnect themselves. 

Upon proceeding with the call with XXXX XXXX, I was advised that a refund was processed for the merchandise that I did not receive. I advised XXXX XXXX that AXOS Bank is claiming no refund had been processed by XXXX XXXX. XXXX XXXX then confirmed a refund was approved and processed. XXXX XXXX then emailed me a case number in reference to the refund that was processed along with additional confirmation that tracking information or proof of delivery can not be provided. 

Given this new information that has been presented from the merchant, XXXX XXXX, I am inquiring from AXOS Bank the status of my refund.
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXXXXXX XXXX and all payments were placed on Autopay. 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: Checking or savings account

I got a call from Chase Bank 's Fraud Department around XX/XX/XXXX asking if I was trying to spend {$100.00} at a XXXX in XXXX, FL. I said no, I was at home in XXXX XXXX. So they told me there was fraud on the account, and that they'd shut down the account and issue me a new debit card. In the meantime, I was locked out of any online access so I couldn't see what was happening with my funds. 

They told me to expect a new card within 3-5 days, so when a week passed and I didn't hear anything, I went to a branch of the bank on XX/XX/XXXX, and found out then that someone had turned the account back ON after they knew there was fraudulent activity, and the thieves in FL had drained the entire account ( nearly {$10000.00}. ) I signed affadavits saying that it wasn't me spending that money in FL. I also filed a police report. I was told that it could take 10 days to get a credit, and 30 days or more for them to conclude the investigation. 

On XX/XX/XXXX I got a call from Chase asking me to call them back. But when I called back, they said they couldn't tell me anything over the phone. ( Then why in the world would they call me only to tell me they couldn't tell me anything!? ) I have called the Fraud department, I have visited the branch several times. I am still locked out of my account and can't see any funds or transactions, I am unable to issue checks to pay my rent and credit card bill, and I'm growing increasingly frustrated at the lack of communication and transparency. 

I also have yet to hear the results of the investigation in terms of who turned on the account again AFTER there was documented fraud, and what is being done to address that error.
Product: Debt collection

National credit systems is a third party collection agency, that have information illegally of mine, any one on can obtain information of a person Im not obligated in any way or form Show proof that Im obligated in writing that I bind to pay you National credit systems
Product: Mortgage

Pennymac wrongfully denies my loan modification based on my race and decides to use the typical standard statement they tell others stating claim my debt to income ratio was high. Well thats totally un-true and Ive provided plenty of evidence showing the expenses related to the house which will show my expenses pretty much totals or exceeds my income. My mortgage shouldnt have been more than {$1500.00} but of course, I got ripped off by XXXX XXXX XXXX and now Pennymac. I put 20 % down and still Im paying Mortgage protection insurance which doesnt benefit me at all. I demand a modification or Ill never stop complaining and making accusations..
Product: Payday loan, title loan, personal loan, or advance loan

The keep emptying my bank account every two days even though it's still a week before any payment is due. They don't give any notifications about taking money from my account seeming like theft.
Product: Credit card

I have submitted many claims to XXXX with regards to this Target account reporting on my credit file. This account was stolen and fraudulent transactions took placed. Please remove this account from my credit file. I have submitted Fraud Affidavits to Target and to XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over XXXX  days and I have not received any investigation results, this is unacceptable and needs to be resolved ASAP.
Product: Money transfer, virtual currency, or money service

On XX/XX/2024, I made a wire transfer of {$6000.00} from my own bank account to my Kraken Crypto Exchange account. I made this transfer to buy bitcoin on Kraken. 
However, Kraken keeps this money in its own account and has not transferred it to my account for about 15 days. I wrote dozens of e-mails and called dozens of times, but I can't get any results. They have literally stolen my money, please help. 
NOT : Moreover, they have used this money for 15 days and earned money. However, I lost money because I could not buy Bitcoin. I don't know if there is anything you can do to compensate for this damage.
Product: Credit reporting or other personal consumer reports

I am filing this complaint to address multiple credit report inaccuracies and instances of potential identity theft. Unverified Debt and Lack of Proper Documentation : I have noticed a credit card account reported by XXXX XXXX that has been charged off. Despite this action, I never received a 1099-C form for the alleged cancellation of debt as required under IRS regulations XXXX I request that XXXX XXXX provide a copy of the 1099-C form if this debt was indeed canceled. Otherwise, this account should be removed from my report for non-compliance with reporting requirements. Unauthorized Collections Accounts : The following collections accounts have appeared on my credit report, which I believe are fraudulent and not my responsibility : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 accounts have not been validated with proper contractual agreements showing I owe these debts. Under the Fair Debt Collection Practices Act ( FDCPA ), these should be removed if validation is not provided. Unauthorized Hard Inquiries : My report includes several hard inquiries that I did not authorize. The following inquiries are listed : 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 Under the Fair Credit Reporting Act ( FCRA ), hard inquiries require my explicit authorization, and these entries violate my rights as a consumer. Victim of the XXXX XXXX XXXX : I was affected by the XXXX data breach, which exposed my personal information. As a result, I am at increased risk of identity theft. The fraudulent activity on my report may be linked to this breach, and I have taken the recommended step of filing an identity theft report. This report should be considered as evidence that fraudulent accounts and inquiries may have been opened without my knowledge or consent. Requested Resolution : I request that : All unauthorized inquiries be removed from my report. Any collections accounts without proper debt validation or contractual agreements demonstrating my liability be deleted immediately. The charged-off XXXX XXXX account be reviewed for compliance with tax reporting requirements, and I be provided with a 1099-C form if applicable. Otherwise, this account should be removed for non-compliance. I ask that all actions be taken in accordance with my rights under the FCRA and FDCPA, ensuring my credit report is accurate and free from fraudulent activity.
Product: Credit reporting or other personal consumer reports

Dispute 1 : Company Name : XXXX XXXXXXXX XXXX/ XXXX XXXX XXXX / Date ( XXXX ) : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX The company listed above, I noticed unauthorized inquires on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX  XXXX Date of inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX
Product: Mortgage

Submitted loan modification with Bayview Loan Servicing. Prior to Bayview 's decision regarding the loan modification I was contacted by a law firm that my home was scheduled for foreclosure sale on XX/XX/2018. Bayview through deception processed my loan modification with no formal decision and proceeded to push my home through foreclosure proceedings.
Product: Mortgage

i opened a line of credit with them. they immedeatly froze my line of credit and never once allowed me to draw on my line. i have complained constantly to them 3-4 times a year for me to access my line. they continued to deny my access to my line of credit. they continued to stall me year after year and denied me access now they are saying my line is in the payback period and that i have to reapply
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX Balance : {$520.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

i was looking at my credit report with myfreescorenow.com and i noticed that my XXXX account is wrong XXXX  shows a balance of {$4800.00} experian shows {$0.00} and XXXX shows {$4800.00} also the opening and last activity dates are wrong showing on all three credit bureaus