23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I set up financial relief payments XXXX of 2023 for two credit cards with Bank Of America. I also provided new banking information during this set up. On the day the two payment should have been taken out, I was informed that they did not go through. BOA used my prior banking info saved from over a year ago instead of the new account info.

I provided the same correct banking info that I previously provided and the payment went through the next day. Day after this, both cards were reported late on my credit report. ( 1st late payment in over a decade due to their error ).

I then called to discuss this. A rep that was very short and rude assisted me. I requested to delete the payment arrangements made and take my billing info out of their system because of this issue.

While this was done, Bank Of America took it upon themselves to close both of my accounts without approval, authorization and did not inform me this would happen whatsoever.

Thanks to Bank of America, my credit tanked and I am now in an irreversible situation all because of 2 reps that 1- used wrong banking info and 2-closed my accounts without ensuring I would be made aware this would happen.

This is not only bad business but internal credit fraud in my opinion. A Bank of America rep should not have the power to affect peoples lives without their consent or acknowledgement like this. In no way shape or form would I have closed my accounts if I knew deleting an arrangement that I requested be set up would close my account. I set up this arrangement to avoid late reporting to credit agencies and did everything correct to avoid this, and that did not work. I have no idea why you can take a payment from a consumer and report them late the next day, as if your systems don't talk to each other.

I have no idea what can be done at this point but I expect a call back from someone and will be escalating this to everyone necessary. Thank you in advance for your help. If this email can avoid another one of your customers lives to not be tampered with unfairly and without their consent, then I will be happy. If my attempt to relay this awful situation to you can help to reprimand the rep that failed your company and me as a customer, again I will be happy to know I've helped someone else before BOA had their chance to destroy their credit and livelihood without concent. 

I am requesting the call before last be reviewed for quality assurance and future BOA rep training. Your reps need to act more professionally with customers and this kind of thing should never happen to someone in need of a little help from you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to XXXX and Equifax credit agencies regarding this XXXX account. The agencies listed above are reporting inaccurate information as XXXX has deleted the item from my credit report ( please see attachment of letter I received ). XXXX and Equifax were sent a copy of the letter from XXXX asking to remove the account as they are reporting inaccurate information across the board from all 3 different credit agencies. The account has been deleted by XXXX.
Product: Checking or savings account

I WAS SCAMMED THRU XXXX. I PURCHASED CONCERT TICKETS XX/XX/2023 TOTALING {$700.00} AND NEVER RECIVED TICKETS. I CALLED WELLS FARGO BANK TO REPORT THE SCAM IMMEDIATELY AND FILED A CLAIM # XXXX. NEVER RECIVED A RESPONSE OR CALLBACK. I CALLED BACK TO ESCALATE MY CLAIM TWICE!! AS OF TODAY XX/XX/XXXX THERE IS NO RESPONSE OR RESOLUTION. 
WELLS FARGO 'S TERM AND CONDITIONS STATE THEIR CUSTOMERS HAVE ZERO LIABILITY PROTECTION. THERE IS NO MENTION IN WELLS FARGO TERMS AND CONDITIONS THAT XXXX TRANSACTIONS ARE NOT COVERED WHEN CUSTOMER IS SCAMMED. EVERY TIME I CALL I JUST GET THE ROUND AROUND THAT THEY ARE WORKING ON IT. I ASKED THEM TO REFUND MY {$700.00} AND THEY REFUSE.
Product: Credit card or prepaid card

XX/XX/XXXX Purchased Travel Voucher XXXX, for {$290.00}, from XXXX ( owned by XXXX ) for XXXX XXXX XXXX XXXX, using my Chase XXXX XXXX Credit Card XX/XX/XXXX The {$290.00} purchase price was charged to my Chase XXXX XXXX account Per my XXXX  Details Agreement, I had 24 months to use my XXXXXXXX XXXX XXXXXXXX XXXX ( XX/XX/XXXX - XX/XX/XXXX ) Due to Covid restrictions, I was unable to travel in XXXX. Due to personal health issues, I was unable to travel in XXXX. 

XX/XX/XXXX I attempted to book my XXXX XXXX XXXX XXXX at XXXX, and discovered the website was taken down, phone number XXXX disconnected. 
I researched the company and discovered that they were bankrupt. 

XX/XX/XXXX I completed a DISPUTE FORM - CLAIM ID XXXX dated XX/XX/XXXX and submitted it to Chase via their branch location in XXXX XXXX XXXX OK, including photocopies of : > my original XXXX purchase email dated XX/XX/XXXX > screen shot of XXXX webpage showing SERVER ERROR XX/XX/XXXX Received ( backdated XX/XX/XXXX ) Action Needed letter from Chase regarding my Claim, requesting further information by XX/XX/XXXX. Since I had limited time to respond, I called Chase on XX/XX/XXXX and told them I needed additional time to respond. I was granted additional time. 

XX/XX/XXXX Received DECLINE letter from Chase dated XX/XX/XXXX, indicating that " the company made their services available to me ''. 

XX/XX/XXXX Submitted formal letter to Chase requesting reconsideration of their decline, since I do NOT have access to the product I purchased : the company is BANKRUPT. 

XX/XX/XXXX Received final DECLINE and CLAIM CLOSURE letter from Chase dated XX/XX/XXXX, with same explanation : " the company ( XXXX ) made their services available to me '' and therefore my claim was denied ''. 

I believe that I met my obligation regarding this Chargeback Claim, as I notified Chase promptly upon realization that XXXX was bankrupt, the product/service purchased was still within the XXXX time period allowed, and I provided Chase Claims with documentation of my purchase and documents showing that XXXX was not a viable entity, either online or via phone call. 

Please advise. 
Thank you ~ XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have been a victim of identity Theft. My information has been exposed in the Equifax data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, 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 XXXX XXXX XXXX. XXXX XXXX  # XXXX, XXXX # XXXX, XXXX XXXX  # XXXX, XXXX XXXX XXXX XXXX # XXXX, 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 an 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. You sent this information to the Credit Bureaus and they said everything was verified. I asked for proof from the credit bureaus but none was ever give. According to the FCRA the credit bureaus must give me the proof that i asked for to validate these accounts. I asked for the name of the person validating their position their mailing address and their phone number. I never received any information, but everything was verified as correct. I am also attaching a copy of the request and letter that i sent to the credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose Also the credit bureaus took more than 30 days to complete my investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

i am an id theft victim. there are few accounts on my report that were opened without me knowing, they are as follows XXXX balance XXXX. this is not my account XXXX XXXX XXXX this is not my account public bankruptcy. fraud i have attached a police report and an id theft report
Product: Debt collection

Hello! I need help in removing this collection account from my credit file. If you will investigate I am doing my best to have my credit scores fixed and be in the right path. I am reporting you this account because it is inaccurate and I have no dealings or debt with them. Please help me and have it removed.
Product: Debt collection

Lately I have been receiving numerous back to back calls from Valentine and Kebartas. I called back today because I have paid off one debt and was notified that I had another. Today alone there were two back to back calls at XXXX and there were others within the past few days from other numbers. I spoke with someone earlier today and was informed of the debt and stated that I would be calling back in a short time frame to settle my debt. This was earlier than the repeated calls this evening.
Product: Payday loan, title loan, or personal loan

I believe I was overcharged on loans I payed off early.. I have been charged {$36.00} to {$38.00} on loans I payed off early.., Shouldn't the amount of interest collected be adjusted for the early payoff.,
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX is reporting FRAUD AND defamation Of my character! 

XXXX XXXX XXXX is reporting Fraud I never had a cox account!

must correct or delete inaccurate, incomplete, or unverifiable information. If a CRA fails to maintain accurate information, consumers can file a class action lawsuit.

CRAs must follow proper procedures when investigating a complaint about an error on your credit report.

CRAs can violate their obligations to report accurate credit information if they mix your file with someone else 's file.

A credit report may show a creditor or lender that doesn't exist or with whom you have had no financial dealings. 

Rejected disputes despite providing clear evidence
Product: Student loan

Sallie Mae is threatening to sue me and is constantly calling my family. Started a long time ago. Most recently XXXX XXXX. And today the XXXX they called my stepdad. They keep threatening to sue even though my loans have charged off. I have looked into the statute of limitations for XXXX  debt consisting of XXXX years. This has not been reflected on mine nor my stepfathers credit report. They send incorrect info to me and make their forms unavailable via the app. I sent them a formal letter and kept a copy for myself, requesting the exact information about my debts and what specifically is owed. I have tried working with them about payments, even trying to pay other parts of my debt in small increments however that is simply not good enough. I am XXXX and trying to work of getting approved by social security which they know.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dispute letter written to all three credit bureaus separately on XXXX XXXX XXXX XXXX XXXX 

D

ispute : According to the FCRA code 15 usc 1681b ( a ) Any consumer reporting agency may not furnish a consumer report under the following circumstances and no other.

2 ) In accordance with the written instructions of the consumer to whom it relates.

I did not give written consent for this account to be furnished on my credit report.

Credit bureau just updated the accounts and added remarks. I asked for deletion. 

Account furnishing on my credit report : Dept of EDXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the late payments XXXX XXXX,  XXXX XXXX XXXX accounts for months. The credit bureaus refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP
Product: Money transfer, virtual currency, or money service

Contacted them five times about my crypto account debit card for a replacement due to being locked they promised of contacting a Specialist yer it has been over a month and nothing been done or a Specialist ever contacted me
Product: Credit reporting or other personal consumer reports

I have disputed the collection/reposession several times with XXXX and the credit agencies. First upon car being redeemed which cost over XXXX the car was damaged by the local company that picked up the reposession. Engine was damaged and yet XXXX  covered up the mechanical issues and sold it at auction which is illegal. Second XXXX has been reporting this on my credit as an installment loan. It was listed as a cash sale on my sales paperwork from the dealership. It is illegal to report in accurate information.
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$4700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$510.00} XXXX XXXX XXXX XXXX XXXX XXXX {$7800.00} XXXX XXXX XXXX XXXX XXXX XXXX {$4800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

There was fraud on my account and the company is investigating it but said could take up to 3 months. Because of the fraud the company locked my account which is fine but I moved and changed my address, phone, and phone number and they are not allowing me back into my account to see the account status. They won't update my number or address in the system and said they will mail a letter to my old address and won't do anything about it. I went in person to prove my identity with my lease and license and they won't do anything. I had fraud regarding XXXX XXXX and XXXX and they gave me provisional credit which I still don't have access to for 3 months.
Product: Debt collection

Transworld Systems Inc ( TSI ), formerly Account XXXX XXXX, sent a letter alleging I owe a debt for an un-named service or product. The letter includes three separate supposed accounts. The collection letter states the creditor is the North Carolina XXXX XXXX. I'm left to guess that the alleged debt is for toll roads ; however, this is impossible as I haven't traveled to North Carolina in nearly 30 years! 

Further, the letter states that I must notify the company in writing within 30 days or they " will assume this debt is valid. '' I did not have an opportunity to meet this deadline as I received the letter ( without postmark ) more than 30 days from the included date. 

I have attempted to contact TSI by phone multiple times. Each time after a lengthy wait, there is a recorded message, then it automatically disconnects with no opportunity to leave a message. 

This company provides no way for me to report that this debt is not mine. As this appears to be a fishing scam, I will not take the risk of providing TSI with additional personal information in order to register online.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX/DOFED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not authorize these companies to obtain my personal information to get credit accounts. I have no knowledge of these companies and whom may have used my personal information to obtain these accounts.
Product: Credit reporting or other personal consumer reports

Account numbers dont match across all three bureaus. All information being reported needs to be updated and accurate. Shows i have a 90 day late payment and I was never late. No 30 or 60 day late payment shown just a 90 day so thats not accurate. I cant be up to date the month prior and then all of a sudden Im 90 days late. This account needs to be corrected, updated, or deleted. A lot of information went without being reported, yet account shows its last reporting date as of XX/XX/2024. All this information is being reported on my credit reports and I have this information through myfico.com. My student loan site is not reporting any late payments but my credit report is.
Product: Student loan

To Whom it May Concern, Thousands of students were scammed by Navient into taking out predatory private loans to attend for profit online schools such as the one I attended, The XXXX XXXX of XXXX. As a matter of fact, The XXXX Institutes were investigated by the Dept. of Education.

Because of the numerous claims of fraud and misconduct perpetrated by these online for profit schools, such as The XXXX XXXX, I was able to file a Borrower Defense claim with the Dept. of Education against The XXXX XXXX, and my fedderal loans of {$67000.00} were XXXX and my credit repaired.

My Borrower Defense Claim was also part of the Sweet Vs. Cardona settlement for which I was a full class member.

I am aware that Navient was sued by 39 state AGs regarding their predatory loans to attend these online for-profit schools and that Sallie Mae/Navient were XXXX " preferred '' lending company in a " deal '' with these schools during the early XXXX 's. These private loans with a high risk of default were part of a package deal offered to " for profit online schools ''. But loans made to students in states outside of the agreement, or those who were not in default for 7 months or more during a " specific '' time frame, were excluded. I am sure this was a big win for Navient, but what a sham of a settlement deal for the rest of borrowers scammed into taking loans to at least 150 for profit online schools. After the AG settlement, Navient als

o got out of the federal student loan business due to scrutiny from lawmakers and borrower advocates. Navient had to pay restitution to the Federal student loan borrowers for not informing students of IDR/IBR payments students could have enrolled in, but instead steered toward forbearance. Furthermore, Navient has been sued at least a half dozen times for other predatory loan practices and illegal collection practices? I am also aware of a " pilot '' program by which Navient is sending out " applications '' to select students who may have filed Borrower Defense claims against their schools and were approved. This application is a sham. Why do we need to prove anything? Navient knows who we are. Under the FTC " Holder Rule '' Navient is liable for giving predatory loans in connect
ion with online for-profit schools. Time is running out for Navient to do right by students who were scammed into taking out private loans to attend online for profit colleges who have committed misconduct and misrepresented themselves to the public to entice students to enroll. XXXX XXXX XXXX has sent a letter to Navient 's CEO asking to discharge these loans NOW! It's time Navient do the right thing and discharge all these predatory private loans made to attend online for profit schools. 

While my loans were originally with XXXX XXXX ( Navient ), they have since been refinanced with XXXX. I faxed Navient on XX/XX/XXXX requesting the private loan discharge application, but have not heard back. Because of the Navient settlement, they should, in turn take the blunt and my private loans should be forgiven with XXXX Sincerely, XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

REMOVE THE FRAUD ALERT I NEVER ASKED FOR NOR AUTHORIZED TO HAVE ADDED TO MY CREDIT FILES I HAVE BEEN REPEATEDLY IGNORED WHEN IVE ASKED THE BUREAUS TO REMOVE THE FRAUD ALERT ITS AN EXTENDED ONE FOR A MINIMUM OF 7 YEARS I NEVER EVER AGREED TO THAT I NEVER WANTED A FRAUD ALERT PLACED ON MY FILE I ALSO WAS NOT EVEN NOTIFIED BY LETTER I ONLY SAW IT WHEN I GOT MY ANNUAL REPORT THAT WAS THE FIRST I HAD EVEN KNOWN ABOUT THIS RIDICULOUS ALERT THAT WAS 2 MONTHS AGO IVE ASKED AND SUBMITTED THE PDF TO ALL 3 BUREAUS TO REMOVE AND HAVE BEEN IGNORED IN MY REQUEST
Product: Credit card

I paid my XXXX taxes on line on XXXX/XXXX/XXXX through XXXX XXXX XXXX had to use my American Express Credit Card for payment. On XXXX XXXX, XXXX when I received my XXXX bill from American Express, there were XXXX pages of charges from XXXX for over XXXX I did not authorize these charges. I have been working with American Express Fraud Dept. to settle these charges Each time I call ( over 20 times now ) I get a different person to talk to & get disconnected multiple times. I wrote the XXXX letter on XXXX XXXX, XXXX documenting what has happened. On XXXX XXXX I receive an email notice saying that my account was past due almost {$4000.00}. On XXXX XXXX, XXXX, I filed a police report & faxed XXXX pages of documentation to American Express Fraud Dept. I called them on XXXX XXXX to make sure they had received the fax - they did. I heard nothing from them. I called American Express on XXXX XXXX, XXXX. Was disconnected 4 times in over an hour period of time. Talked with Supervisor & given new fraud case number XXXX. I printed out my credit reports from XXXX & XXXX. Found that American Express had reported that my account was 30-60 days delinquent at each Credit Bureau for {$6800.00}. All of that money is from the fraud charges! I called American Express Credit Bureau Unit. They immediately referred me to the Fraud Department. XXXX a Fraud representative said that she would investigate & get back to me this week. We shall see.
Product: Credit reporting or other personal consumer reports

I'm currently a victim of identity theft and this has impacted my life tremendously, I just want my life back so I can provide for my family.
Product: Debt collection

I've recently checked my credit report and noticed some inaccurate accounts reporting.