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

On XX/XX/XXXX, I closed my Bank of America checking account. On XX/XX/XXXX, I received an email from BoA saying " Were letting you know that due to changes in the status of your account ( s ), your Bill Pay service has been inactivated. '' I login to my BoA online account, and I noticed two issues : 1 ) all my scheduled future payments for my credit card were deleted, and 2 ) I was not able to make a payment to my credit card using the Bill Pay. I called customer service and talked with XXXX. She informed me my external payment source needed to be verified. I asked her why as the external payment source has been used to pay the credit card for the past 6 months. She mentioned something about me using my external payment source as a one time payment and now it is being used automatic payment. I find the statement to be ludicrous as it is the same external payment source I used to make payments for the past 6 months and scheduled future payments until XX/XX/XXXX, and now BoA needs to verify it, especially after I closed my check account.
Product: Credit card

Discover card decreased my credit line without my knowledge and before the full reporting cycle of TransUnion, the credit bureau, in which I was informed, by Discover Customer Service Rep, XXXX, on XXXX/XXXX/15, that Discover used to decrease my credit limit. I contacted Discover on XXXX/XXXX/15, after logging into my account and saw my available credit had tremendously decreased from an available amount of approximately {$1300.00} to {$200.00}, which was alarming because I had not used the card in weeks, since making a payment of {$1200.00} to the account. I was informed by XXXX that a credit card utilization review of my account had been completed, based on information from XXXX, and it was decided to decrease my limit from the {$5200.00} to {$4000.00}. Be advised, Discover, without my request or knowledge had just recently increased my credit limit to the {$5200.00} from the original limit of {$4500.00}. I contacted XXXX and was informed that the full cycle has not yet cycled on my report, as the lastest creditor reporting was XXXX/XXXX/15, which meant that said creditors may not report again, until after 30 days. I have consistently and timely, made my monthly payments, often times, more than the monthly payment amount, with this company. I do n't think it is fair to me, the consumer, who has been nothing, but exemplary in my payment history to have my credit limit, first increased, then decreased further than my original limit without any telephone contact, not the letter that I was informed I would be receiving, but to date have not. Had Discover taken the time to communicate with me, by phone, before making such a drastic decision that will further impact the same credit card utilization in which they are basing their decision, they would have been advised and provided proof, upon their request, that in XX/XX/XXXX, specifically XX/XX/2015, I paid off a {$6000.00}, credit line with XXXX XXXX, a {$7000.00} personal loan with XXXX XXXX, a {$500.00} line of credit with XXXX XXXX XXXX XXXX ( XXXX ), ( formerly XXXX XXXX XXXX XXXX ), a {$6000.00} personal loan with XXXX, paid off my credit cards with XXXX XXXX and XXXX, all, which have not yet reported for XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a request for validation on a few accounts being listed on my credit report from the bureaus and have not received a single response. All I want is to confirm these accounts have been fully verified and the method of verification to ensure these are my accounts.
Product: Credit reporting or other personal consumer reports

Trans union and Experian failed to look into my improper credit reporting when I requested them to. They also didnt request or provide documentation from the companies that inquired my credit report for authorization.
Product: Mortgage

Paid amount due, one month 's payment, via phone system, on XX/XX/XXXX. Phone system said payment was successfully processed. 

Noticed on XX/XX/XXXX that funds had not been withdrawn from personal bank account. Web chat conversation with loan processor revealed that bank had changed loan account to only accept certified funds. 

Sent certified funds for two months ' payment, from XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. Check was received by processor XX/XX/XXXX. On XX/XX/XXXX, bank reversed funds. 

Phone call with bank on XX/XX/XXXX, they did not supply an image of the check.
Product: Credit card or prepaid card

While driving through XXXX Nevada I stopped for diesel fuel. The station had place regular leaded gasoline into the holding tank. I was the XXXX truck that ended up in the local garage that had been ruined by this gas station. My insurance company, USAA chose not to proceed against the station. On XX/XX/XXXX USAA paid {$2800.00} towards the repair of my truck after I paid my {$500.00} deductible. The repairs made and paid for were not done correctly. I continued to have problems from the original incident through the entire year of XXXX and XXXX. Finally on XX/XX/XXXX I had to have my engine rebuilt. The auto garage doing the repairs and myself were in contact with USAA as this was an insurance issue. I needed my vehicle for my job. The garage would not release my vehicle without payment. As this was an insurance issue, they refused to pay which is why I drew the money on the credit card check in the amount of {$6100.00}. From that date forward, I began my phone calls to USAA explaining why they should be responsible for payment as this was a valid insurance claim. 

I had advised USAA that this was a highly disputed account and they assigned my account to a collection agency anyway. The last bill I received said I owed {$17000.00}. How can a bill that is only {$6100.00} go to over {$17000.00}. Please help me get this matter resolved. Isn't there a time limit on how long they can try and collect a disputed account?
Product: Mortgage

I closed my bank account. I changed the information in my auto draft. It didnt draft and I was hit with late fees. I called. They said on their end it didnt change but on my dashboard it said it did. Theres no way I couldve known it didnt change on their end. They refused to absolve me of the late fees. 

They claimed they changed it on their end and its still not working.
Product: Debt collection

This is the collection Agency : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, WA XXXX TOLL FREE : XXXX XXXX XXXX TO XXXX PST Email : XXXX Sent a letter requesting to pay a debt without further information. We asked for more information and said we believe this to be wrong and gave the reasons why. They refuse to give us more information and keep acting like this needs to be paid now they are saying its urgent. We thought this was scam because of the unprofessional but it is legit. They have called me asking to pay and we repeatedly say we need to see proof they have no proof. They are being very short and unprofessional not saying anything but the amount we owe. Please see below what we have said to them : " Dear Genesis, Your reply is unresponsive to my email. I accept your reply as an admission that Genesis failed to verify the charges and Genesis does not possess any documents supporting the alleged charges other than the lease agreement. Please note that the lease agreement does not verify or support the charges. Despite our repeated request for verification, we have not received verification for the unsubstantiated alleged charges you seek to collect. 

Regards, XXXX XXXX, XXXX. '' Right after this they asked to pay. They are not legitimate or not doing this properly they should be flagged or audited for poorly doing business according to the law and our rights.
Product: Checking or savings account

I attempted to add the account number and routing number for an external bank account to my Citi account in order to make an ACH transfer from my Citi bank account to my external account. When I did this, I received error code " XXXX '' and a phone number to call to attempt to resolve the error code. 

I called the number and spent approximately 1 hour speaking to various representatives about this issue. I was told that due to a " maintenance issue '' I could not add an external account, but the maintenance would be done in 24-48 hours.

After 48 hours, I attempted to add the external account to my Citi bank account. I received the same error. I called Citi again. Citi now stated that Citi has discontinued the ability to add external accounts using an account number and routing number. Citi stated that the only way to add external accounts was by using XXXX. Nevertheless, the ( non-functioning ) option to add external accounts using account numbers and routing numbers still exists on the website, and as an option in Citi 's terms and conditions. 

My external bank account does not support XXXX. Thus, I can not add this account using XXXX. Furthermore, the use of XXXX is prohibited by the terms of service of most banks, as it requires providing bank account logins to a third party service. 
I am therefore unable to access my funds in my Citi account! 

In order to access my funds, I also attempted to add my external account as a XXXX XXXX recipient ( as the external account is a brokerage, they are registered with Citi and appear in Citi 's system as an eligible payee ). When I attempt to do this, I also receive error code " XXXX ''. I was transferred to the fraud department to help resolve this issue. The ( nearly inaudible ) agent within the fraud department requested that I receive a verification phone call in order to verify my account. I could not do this as I was on the phone with Citibank. After some time, the agent stated that " my account was not eligible for servicing at this time, bye-bye '' and hung up. 

As it stands, the funds in my account are inaccessible. I need to add an external account, but every method to do so is broken. Despite this problem, I have been hung-up on repeatedly by customer service representatives. 

All I would like is to be able to transfer funds from my account electronically. The bank does offer wire transfers for a fee, but I refuse to pay the fee given that I should have access to electronic transfer methods with no fee.
Product: Checking or savings account

Someone opened up an account with Bank of America using my maiden name and email address. When I try to call in to BOA to dispute this fraud, I keep getting blocked by their automated phone system because I don't have the full account number, since I didn't open the account. When I try to get around the blockage and ask for an operator, the wait time is more than 30 minutes and it seems like no one is available to answer my phone call. BOA needs to provide me with a way to close this fraudulent account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, North Carolina XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Creditor/Bureau, I am writing to dispute several items on my credit report that are causing my credit score to be very low, and I believe that these items are in violation of the Fair Credit Reporting Act ( FCRA ). Specifically, I would like to dispute the following negative items : XXXX XXXX XXXX XXXXXXXX - Date of inquiry : XX/XX/XXXX - Inquiries have reached the statute of limitation. 
XXXX XXXX XXXX - Date of inquiry : XX/XX/XXXX - Inquiries have reached the statute of limitation. 
XXXX XXXX XXXX XXXX - Date of inquiry : XX/XX/XXXX - Inquiries have reached the statute of limitation. 
XXXX XXXX XXXX - Date of inquiry : XX/XX/XXXX - Inquiries have reached the statute of limitation. 
XXXX XXXX - Date of inquiry : XX/XX/XXXX - Inquiries have reached the statute of limitation. 
XXXX XXXX XXXX - Date of inquiry : XX/XX/XXXX - Inquiries have reached the statute of limitation. 
XXXX XXXX - Date of inquiry : XX/XX/XXXX - Inquiries have reached the statute of limitation. 
XXXX XXXX XXXX - Date of inquiry : XX/XX/XXXX - Inquiries have reached the statute of limitation. 
XXXX XXXX XXXX - Date of inquiry : XX/XX/XXXX - Inquiries have reached the statute of limitation. 
XXXX XXXX XXXX - Date of inquiry : XX/XX/XXXX - Inquiries have reached the statute of limitation. 
XXXX XXXXXXXX - Date of inquiry : XX/XX/XXXX - Inquiries have reached the statute of limitation. 
XXXX XXXX XXXX XXXXXXXX - Date of inquiry : XX/XX/XXXX - Inquiries have reached the statute of limitation. 
XXXX XXXX - Account Number : XXXX - This account has been charged off and should not have a payment history. Please delete this account from my credit report immediately. 
XXXX XXXX XXXX - Account Number : XXXX - This account has been charged off and should not have a payment history. Please delete this account from my credit report immediately. 
The FCRA requires that credit reporting agencies and creditors report accurate and complete information about consumers ' credit histories. It also requires that they investigate any disputes that consumers raise about the accuracy of their credit reports. I believe that the inclusion of these negative items on my credit report is inaccurate and unfair, and that they are in violation of the FCRA. 

I request that you investigate these items and remove them from my credit report if they are found to be inaccurate or in violation of any applicable laws or regulations. If you can not verify the accuracy of these items, I request that you delete them from my credit report in accordance with the FCRA. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

My prepaid account was closed and my remaining card balance has not been returned to me. XXXX XXXX money is holding approximately {$4900.00} of my money, and despite their stated intention to return it, they have not done so.
Product: Student loan

I have attempted for years to have this student loan deferred and forbearance. As of last year I requested forgiveness because of the age of the loan. I am unable to go back to college to earn a degree to increase my living expenses. The school I was attending when I applied for the student loan was not an accredited institution.

Colleges that I have applied for are requiring proof of enrollment from the fraudulent institution. 
I am now almost XXXX XXXX XXXX with XXXX XXXX struggling to make enough money for health care and prescriptions.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items : XXXX XXXX XXXX XXXX XXXX XX/XX/2021
Product: Credit reporting

Case XXXX is now 30 days old. I have recieved no correspondence at all from Equifax since the last response here. 

Equifax stated they would contact me with investigation results within 30 days. They have not. This is a violation and non compliance.
Product: Credit card or prepaid card

The account CB/VICSCRT XXXX with Balance Owed : {$0.00} is not charged to me. My record shows that this account was Paid as agreed and Balance is XXXX. Please delete this account immediately. This account is reported in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Please provide proof of the last payment. Otherwise, remove the account abruptly.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Act. 15 USC 1681i ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the list of accounts below : 15 U.S.C 1681 section 602 A. States i have the right to privacy.

15 U.SC 1681 Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions Account XXXX  XXXX  XXXX  XXXX XXXX  XXXX  XXXX  XXXX XXXX  XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc due to inadequate customer service and unfair practices which violated the consumer financial protection act. Specifically cash app. Failed to take Timely and effective matters To prevent and address fraud on their platform leaving my account vulnerable and unprotected. Furthermore, their dispute process was unfair and deceptive as they did not comply with air resolution requirements under the electronic funds transfer act EFTA and regulation, E. These actions have caused a huge financial loss. And significant inconvenience. I seek appropriate redress
Product: Debt collection

This company must remove and all collections against my credit reports immediately. My dispute is based upon the Federal Trade Commission guidelines pertaining to either debt collections as a third-party, or debt buyers in general. The rules are as follows : 1. A debt collector/buyer must be bonded and licensed by the National Mortgage Licensing Service . 
2. The debt must be legally collectible within the states jurisdiction where the creditor resides.

3. Creditor must be given copies of debt collector/buyer license, bonding number with insurance carrier name and address, a copy of any assignment to collect on original creditors behalf, and/or copies on ant ownership transfer with true copy certification. 
4. A debt purchase must have an assignment number and be registered with the National Mortgage Licensing Service.

5. Any debt not within these guidelines must be deleted from a consumers credit report with prejudice. 
6. This company has posted one or more out dated collection against my credit report. It looks like the account was over 10 years old, and the information was acquired through a debt pooling service. The collections must be deleted permanently!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # 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
Product: Money transfer, virtual currency, or money service

On XX/XX/21 I executed an international wire transfer for {$18000.00} which debited my account on XX/XX/21. The wire did not go thru do to a recipient XXXX mismatch, & was held at the foreign bank. XXXX advised me to cancel the wire, which I did on XXXX. I instructed the XXXX bank to return the funds, which they did on XX/XX/21. The funds, however, were never credited back to my account. I reached out to XXXX in person at the branch, via correspondence using their secure messenging system, & made countless phone calls to their customer service department. Despite all of these efforts, XXXX has not even provided the status of the situation & I have no clue when & if I will get my funds back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in my FTC report because someone was applying using my personal information for their personal gain. I had unauthorized inquiries show up out of nowhere. I spoke to XXXX from the Transunion fraud department and he confirmed that he would mark the inquiries as fraudulent and said they would be off my report within 48 hours. It is Monday XXXX. I spoke to XXXX last Thursday XXXX and these fraudulent inquiries are still on my report. 

The confirmation number from my call is XXXX. 

If this continues to be ignored, I will file litigation.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX SSN : XXXX DOB : XX/XX/1957 Dear Sir/Madam, I am writing to file a formal dispute regarding several inaccuracies on my credit report, which have had a profound impact on my life. I kindly request your assistance in enforcing my legal rights under the Fair Credit Reporting Act ( FCRA ), specifically under sections 1681i and 1681e ( b ). 

Account Details and Violations : XXXX ( Account Number : XXXX ) Violation : Reporting an account that doesn't belong to me, which is a violation of FCRA 1681e ( b ). 

XXXX XXXX ( Account Number : XXXX ) Violation : Incorrectly reported payment status, balance, comments, and payment history, which is a violation of FCRA 1681e ( b ).

XXXX XXXX ( Account Number : XXXX ) Violation : Reporting an account with which I have no business relationship, a violation of FCRA 1681e ( b ). 

XXXX  ( Account XXXX : XXXX ) Violation : Discrepancy in verification compared to other bureaus, indicating potential inaccuracy, a violation of FCRA 1681i ( a ).

These inaccuracies on my credit report have significantly affected my life in a myriad of ways. To illustrate the emotional toll, I would like to share a personal story : [ Include a detailed and emotional personal story here. Describe how these credit report inaccuracies have impacted your ability to secure housing, obtain credit, or engage in other critical financial activities. Highlight the emotional distress, frustration, and hardship you have faced as a result. ] In light of these violations and their profound impact on my life, I respectfully request the following actions : Investigation and Verification : I urge you to thoroughly investigate and verify the accuracy of the disputed accounts in accordance with FCRA 1681i ( a ).

Enforcement of Legal Rights : I request that you enforce my legal rights under the FCRA by ensuring that creditors remove any unverified or inaccurately reported accounts from my credit report, as mandated by FCRA 1681e ( b ) ( 1 ) ( A ).

I understand the critical role that the Consumer Financial Protection Bureau plays in safeguarding consumers ' rights and ensuring fair and accurate credit reporting. Your assistance in rectifying these violations will greatly alleviate the emotional and financial distress I have endured. 

Enclosed with this letter, please find copies of any relevant supporting documents and correspondence with the creditors. These documents substantiate my claims and provide further evidence of the inaccuracies reported on my credit file. 

Thank you for your prompt attention to this matter. I look forward to a resolution that restores accuracy and fairness to my credit report. 

Sincerely, XXXX XXXX
Product: Checking or savings account

USAa responded to my complaint I had legitimate fraud on my account. They're claiming that they can't cover it because the person who tried to call me had my login information and they're accusing me of transferring money to them even though they saw themselves that the person had access to my account This company needs to cover this is fraud because that's what it is
Product: Credit reporting

Dear CFPB, This is my second time submitting this information. After about XXXX months of dealing with ID theft I had requested removal of the fraud alert on the Experian file and enclosed all the required documents, which Experian indicated were needed as described in their original correspondence with me when the alert was put on the file. I received an acknowledgment in the mail but they placed and additional 90 day alert which is exactly opposite to that which I had legally request. I 'm attaching the documents which were provided and request for the fourth time that they remove the alert. Do I need to ask a federal judge to make them listen?
Product: Checking or savings account

On XX/XX/scrub> 2024 I tried to open a business checking account for my company. I received a denial for reason of security freeze by XXXX XXXX. Called XXXX XXXX to get an explanation and was told and sent a non freeze letter by the company. I have attempted XXXX times as of today and all denied even today.