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

XX/XX/2022 : I made a cash deposit using the Bank of America ATM ( XXXX ) located at the BOA branch in XXXX, CA. I pulled out {$3200.00} cash from an envelope ( Thirty {$100.00} bills and five {$50.00} bills ) and put them into the ATM, but the ATM displayed an error and asked to input the amount of money I intended to deposit and I entered {$3200.00}. Then the ATM gave me a receipt of a {$300.00} deposit saying, We created an issue record that will be attached to your transaction. Please retain your receipt until you have spoken with an Electronic Claims associate I called the associate and opened the claim. 

XX/XX/2022 : Received Provisional Credit of {$2900.00} ( {$3200.00} minus {$300.00} deposit ). 

XX/XX/2022 : Bank notified that they are unable to approve my claim. Saying that they were unable to locate any record of cash or additional cash being deposited at the ATM for {$2900.00} between XX/XX/XXXX and XX/XX/XXXX. I called the electronic claims center and sent a written letter to request to re-investigate the issue XX/XX/2022 : Bank notified that they re-evaluated my claim and were unable to approve my claim because they could not locate any record of additional cash being deposited at the ATM. I called the electronic claims center to ask if I can talk with personnel who are responsible for the investigation and they told me the researching department does not deal with communication with consumers and I can not talk to them. I sent a written letter that I really made the deposit. And asked them to thoroughly investigate the issue asked them to check if other people using the ATM got extra money when they withdrew money also asked them to check the video footage when the ATM is opened and cash is being counted and asked if there is any risk of extra money being taken by someone else XX/XX/2022 : Claim Status showed Resolved- Claim Paid XX/XX/2022 : Claim Status suddenly changed to Resolved- Claim Not Paid and the bank removed the provisional credit from me. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - They have video footage of me making the deposit, but they refuse to give my money back.. They only say that they are unable to approve my claim because they are not able to locate additional cash being deposited at the ATM, THEN THEY SHOULD INVESTIGATE WHERE THAT ADDITIONAL CASH WENT TO ( I really made the deposit and if they can not find additional cash, then someone else has taken it ). I have asked the BofA fraud department to call me regarding the claim on the written letter and they did not give me any phone calls, and they do not give me any detailed research information ( such as what they have researched on ).
Product: Credit reporting or other personal consumer reports

In my review of the credit report, I found some erroneous information. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), the XXXX credit bureaus must verify these accounts. Reporting unverified information without evidence within the legal timeframe is prohibited. Kindly investigate and correct the errors for the following accounts listed on my credit report : XXXX XXXX XXXX Balance : {$230.00} XXXX XXXX  XXXX Balance : {$380.00}
Product: Credit reporting or other personal consumer reports

After inspecting my credit report, I noticed several mistakes. The three credit bureaus are required to validate these accounts per Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ).

Reporting unverified information without proof within the legal period is not allowed. 
Please investigate and correct the following accounts listed on my credit report : XXXX XXXX Balance : {$5900.00} XXXX XXXX XXXXXXXX Balance : {$68000.00}
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I disputed a debt collection from XXXX XXXX XXXX that was XXXX XXXX  more than XXXX  years ago with XXXX  ( XXXX ). XXXX agreed with my dispute and removed the debt. 

However, I discovered recently that the same debt was either sold or transferred to Jefferson Capital System in XX/XX/XXXX. This debt and the XXXX XXXX debt mentioned above are XXXX and the same. 

I disputed this with XXXX  twice, between XX/XX/XXXX and XX/XX/XXXX. XXXX denied my dispute because they claim my debt is accurate. An investigation would show that the XXXX  debt Jefferson Capital System is attempting to collect is the same as the old XXXX XXXX XXXX debt that was removed. I have attached XXXX  approval of my dispute of the original XXXX debt and their agreement to remove that debt.
Product: Debt collection

I told them to stop emailing me more than once. i replied to the email and told them to stop emailing me. And they still email even after emailing a cease and deist letter.
Product: Debt collection

I HAVE BEEN TRYING TO CHALLENGE THE REPORTING OF THIS ACCOUNT TO THE ONLY CREDIT BUREAUS REPORTS THIS TO VALIDATE THIS DEBT, IT'S BEEN 2 YEARS AND I AM STILL SUFFERING WITH THIS ACCOUNTS REPORTING. I HAVE SENT NEMO COLLECTION A DEBT VALIDATION ON XX/XX/2020 WHICH THEY REFUSED WI/ TRACKING # XXXX AGAIN SENT A MAIL WITH TRACKING # XXXX WHICH THEY REFUSED AGAIN. HOW CAN THEY KEEP REPORTING THIS ACCOUNT WITHOUT VALIDATING THIS DEBT THEY CLAIM I OWE. IN ADDITION TO THAT I HVAE PROOF OF MY CREDIT REPORT WITH RANDOM MONTHS THAT SHOWS BALANCE IS CHANGING. THIS IS A VIOLATION! PLEASE HELP ME REGARDING THIS ACCOUNT. I AM TIRED TI DEAL WITH THIS COMPANY. THANK YOU
Product: Credit reporting, credit repair services, or other personal consumer reports

Information that doesn't belong to me is reporting on my transunion credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

This is regarding a credit application for American Eagle ( retail store ) /SYNCB. I was offered a 35 % discount I applied for the American Eagle Rewards credit card. I was told that this application would be a soft inquiry and would not have an impact one my credit score. I was also told it would come off o my report in 30 days. This was a lie. These 2 applications are in act, hard inquiries, and will remain derogatory marks for 2 years.
Product: Credit reporting

I submitted a dispute letter through certified mail to ALL XXXX credit reporting agencies along with copies of bank statements. The exact dates occurred on XXXX XXXX, XXXX and XXXX XXXX, XXXX. I received a correspondence within 30 days after submitting the original dispute letters indicating the information was accurate. However, when I spoke with XXXX and XXXX almost a year later on XXXX XXXX and XXXX XXXX, XXXX -- they confirmed no investigation took place via XXXX during the XXXX calendar year by ANY of the XXXX major credit bureaus. ALL calls have been recorded and are available on XXXX for public viewing. I have been reported incorrectly as being past due by more than 90 and 120 days past due with XXXX and more than 30 days past due with XXXX. The Credit Bureaus including Equifax , XXXX, and XXXX are in violation of the FCRA.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX
Product: Credit card or prepaid card

On or about XX/XX/XXXX I filed a complaint against my XXXX & XXXX credit card. The statements had incorrect info on them-causing me to miss the chance to enter a payment plan w them. They responded to complaint w an apology & offered to help me get into a payment plan. After MONTHS of them trying to figure out the right person of contact & getting my account out of a 3rd party collection, they set me up w a payment plan. I was told that I could make payments in the store. On several occasions, when going into the store or calling the payment in-the representative was unable to locate my acct & could not take my payment. I emailed XXXX XXXX to inform her & she directed me to contact another dept. I was then able to make my payment. However, once again in XXXX/XXXX I was unable to make my payment. The account could not be located. I tried the number I was given by XXXX XXXX, but it was not a working number. I tried calling another dept, & emailing asking for help. I sent in 2 payments, via mail. The payments were never processed. I have tried calling to correct the problem so many times. But I have not been able to speak with someone who can locate my account information. I have now been receiving letters and calls from collection companies, threatening to report me.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention my deep dissatisfaction with the repeated unsuccessful attempts to remove late closed accounts, bankruptcy records, and public records from my credit report. The persistent presence of these inaccuracies on my report is not only distressing but also damaging to my financial standing. I feel compelled to escalate this matter formally. 

I submitted a request to your institution to address the inaccuracies in my credit report, specifically related to late closed accounts, bankruptcy records, and public records. Despite multiple attempts and assurances from your customer service representatives that the necessary corrections would be made promptly, these inaccuracies persist on my credit report. 

The inclusion of late closed accounts, bankruptcy records, and public records on my credit report has a severe impact on my creditworthiness and financial reputation. As you are well aware, the accuracy of credit reports is crucial for individuals seeking financial stability and fair access to credit. 

I insist on an immediate and thorough investigation into the reasons for the persistent inaccuracies and the multiple failed attempts to rectify the situation. I request a detailed explanation of the steps being taken to expedite the removal of these items and prevent similar errors in the future. 

Furthermore, I demand a formal, written confirmation of the successful removal of the inaccuracies mentioned above withinthe exact time frame of receiving this letter. Failure to address this concern promptly will leave me with no choice but to escalate this matter to relevant regulatory authorities and consumer protection agencies. I am asking for your assistance to remove the late close accounts, accounts included in bankruptcy and public record : XXXX XXXX XXXXXXXX Balance : {$1100.00} - I see things may be inaccurate. Start looking at the account name, opening date, and account status. I believe this information may be inaccurate. I need this deleted now. 
XXXX XXXX XXXX Balance : {$2100.00} - XXXX see things may be inaccurate. Start looking at the account name, opening date, and high balance. I believe this information may be inaccurate. Immediate removal of this item is necessary. 
XXXX XXXX XXXX Balance : {$0.00} - This is showing to be 120+days past due as the current status but it also says its been transferred. Youre showing a payment due amount but how can I owe something to a company that no longer owns the account? You need to change the description to say and change the Current Status to say : Paid as Agreed. Please remove all the negative information as well as it is a violation of automatic stay and bankruptcy court orders. 
XXXX XXXX  Bankruptcy Reference # : XXXX Liability : {$0.00} - This bankruptcy file date is wrong and this bankruptcy is out of statute for reporting on a credit report. And it should no longer be reported because it is past the 10 years statute of limitations that a credit bureau can report. Please update the filing date and then remove it.
Product: Checking or savings account

On Saturday XXXX XXXX I initiated a wire transfer from my Citibank accelerate savings account for an amount of {$25000.00}. I was contacted by the fraud department that afternoon and answered many identity verification questions. I contacted Citibank again on Sunday XXXX XXXX at their request, answered more basic identify questions and was told the wire should be set in 24 hours. I contacted Citibank again Monday XXXX XXXX, answered more basic identity questions and was told I had to wait another 24 hours for my funds. I contact Citibank on Tuesday XXXX XXXX and transferred to multiple departments after holding more then 45 minutes. 

They made me call multiple phone numbers, talk to many different departments and created unreasonable obstacles to obtaining my funds despite me proving my identity on multiple occasions. At times the representatives were not even to identify who I was being transferred to. Overall I have spent a total of over 80 minutes on the phone or on hold with their fraud department.
Product: Credit card

I opened my account Synchrony Back in XXXX of 2020. I received a {$4500.00} credit limit. This is a car care card which means I can use for car parts, repairs, gas, tires or anything related to a car. I have paid them {$3300.00} in the last 12 months and if you get the average that means I have have paid over {$12000.00} in the past 4 years on a card that has a {$4500.00} credit limit. I have never missed a payment or defaulted. I have literally been trying to rebuild my life since the pandemic and I lost $ XXXX income on a monthly basis. Lost my home during the pandemic. Lived in a hotel with my family during the pandemic and now I am getting back into a good place financially and I paid {$1500.00} dollars on my Synchrony account in the last month and they reward me by changing my balance from {$4500.00} to {$3400.00} knowing full well that my credit utilization will report back at almost 100 % on this card. I feel that this predatory practice because I have had all the same accounts every month when I was paying Synchrony but now that I am attacking the high balance with interest rates at 29.99 % this was done purposely. I have paid off XXXX XXXX XXXX cards. Paid off XXXX XXXXXXXX XXXX card and paid another card down under 30 % utilization. I am aggressively attacking my credit and I feel that what Synchrony did was Predatory and unethical and I would like my credit restored back to what it was before this new limit impacts my credit negatively.
Product: Credit card or prepaid card

Charge by Truist on my visa charge by XXXX XXXX for service I canceled on XX/XX/XXXX XXXX {$240.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Massachusetts XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute the negative items on my credit report. I have noticed several inaccurate and unfair entries that are harming my credit score. I would appreciate it if you could remove these negative items immediately. 

Firstly, the XXXX  XXXX Bankruptcy with the Case Number XXXX and the XXXX  XXXX Bankruptcy with the Case Number XXXX are both inaccurately reported on my credit report. I am unsure why you have not removed them when the other bureaus have already done so. 

Secondly, the following inquiries have reached the statute of limitations and should be removed from my credit report : XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX  XXXX XXXX  XXXX ( XX/XX/XXXX )XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ), and XXXX XXXX XXXX XX/XX/XXXX ). 

Thirdly, there are several inquiries on my credit report that were not authorized by me. I suspect that these inquiries might be fraudulent and I would like them removed from my credit report immediately. These unauthorized inquiries are as follows : 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  XX/XX/XXXX ). 

Lastly, I dispute the following accounts, which have been inaccurately reported as late payments : XXXX ( Account Number : XXXX ) and XXXX XXXX XXXX XXXX Account Number : XXXX ) and XXXX ( Account Number : XXXX ). To the best of my knowledge, these accounts have never been paid late, and it is ruining my credit. You must update these accounts and delete the inaccurate information immediately. 

I urge you to investigate these matters and take the necessary actions to remove the inaccurate and unfair information from my credit report as soon as possible. I look forward to hearing back from you regarding this matter. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

Credit card is reporting that in XXXX 2016 I was late 60 days. I was the victim of fraud. My card was lost and the card was used without my knowledge or permission. This was reported to TD Target at that time. Prior to that my balance on the card was {$0.00}. I was told that I was not responsible for the charges, the fraud investigation was resolved in my favor. While under investigation for those two months I did not pay on the disputed charges. Now TD Target reports me as late when it was determined that those charges were not made by myself.
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. This account 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 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. 
Account XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Online security freeze is unavailable at all three of the major credit reporting agencies for at least the past three days. The specific issue encountered at each company are below. 
XXXX - " We are unable to process your request at this time. We appreciate your patience while we resolve this temporary issue '' ..occurs AFTER logging in and providing personal information XXXX - `` System Currently Unavailable - Error 500 '' or " We are currently unable to service your request.Please try  again later. " ..occurs AFTER providing personal information and accepting terms of use Experian - Page fails to load : https : //www.experian.com/XXXX Aside from the persistent errors above, the process to establish a security freeze at each company is clearly designed to discourage consumers from actually doing so. Every alternative option is presented prior to the security freeze and in many cases the company provides reasons to dissuade consumers from electing a freeze. They present freezes as a measure of last resort rather than a rational action. 

Normally I 'm not one to advocate for regulation, but this industry is indifferent to the risk they pose to consumers.
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 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 or other personal consumer reports

The account was paid in full Please correct this information on my credit report on Experian and XXXX thank you my account was paid in full I provided my proof with the picture I sent
Product: Credit card or prepaid card

I am having difficulties with Bank of America. I paid-off 2 refinancing loans with Bank of America. They gouged me on these loans. I have used their credit cards before. I have paid them vast amounts of cash over what I borrowed. Bank of American has insisted that I am a very good customer. I owe them for 2 credit cards. For neither one would Bank of America establish a re-payment program. They harassed me with many nuisance phone calls. Finally, from a third party vendor, I set-up repayments on the lower card. I have been making payments regularly on this card. For the other card, no payment plan was set-up. They even refused to do a payment plan. Now they are taking legal action against me without ever giving me the opportunity to set-up a payment plan. What type of company operates like this?

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

its been over 4 months now and I thought I would get a response from your company after 30 days but it seems my letter is being ignored. I sent the letter on XXXX XXXX but I sill having hot any response. I joined an online forum that discusses consumer rights and credit bureau violations and I was told that I could file complaints on CFPB since you are not doing what you're supposed to be doing. I was also informed that if I don't get a response from you w/in that period, the listed information on the letters must be deleted. Please reinvestigate and send me proof that you validated everything. I will wait for another month before i take my next steps.