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

Bank of America cleared a bill pay check that had a decimal error, even though I in no way had sufficient funds to cover the check. I pay XXXX to my mortgage every month. I made a decimal error, and they sent and cleared a check for {$99000.00} without contacting me. My checking account was over drafted for nearly {$100000.00}, with no contact from the bank. I went to a branch immediately, and they informed me that bill pay checks are actually like loans, and that I would now owe them {$99000.00}. At the same time, I could not access funds in my checking account. We managed to reverse that, which they said they didn't necessarily have to do. I believe this is predatory and dangerous. It is in no way clear that bill pay checks are actually loans and they can not bounce if you don't have enough to cover the check. 

Since I realized ( and feared I would lose my home ) they had this policy, I started to move my accounts to a different bank. I have been utterly unable to close my checking account. It has been 3 phone calls and 2 visits to a branch. They keep charging fees for a low balance and will not answer the phone when I call. I paid the {$22.00} to close my account in cash at the local branch, and they informed me that it is still not closed and I would have to call again. This is after I called and the rep assured me that as soon as I deposited the {$22.00} the account would close itself. I called back on Saturday to see what is going on, and they told me the correct department for that was closed and I would have to call AGAIN on Monday. I am on hold now, and it's outrageous that they make it this difficult to close an account, while charging fees constantly for having a low balance ( which I have because I don't use this bank anymore ). I don't know how the federal government allows these people to remain in business.
Product: Credit reporting or other personal consumer reports

Recently I looked at my credit file and found info that can't be verified and info that is not accurate these items are not being reported XXXX XXXX correct. 

You guys know its against the laws that protect us consumers to report any info or accounts that have-not been proven to be XXXX  % accurate! 

In the FCRA I read that everything has to bXXXX XXXX XXXX  accurate on my credit file under XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXhis data on my credit is a clear violation of not reporting XXXX XXXX  accurate for this violation I can easily get {$3000.00} in a lawsuit against your company!! 

Account Name : UNKNOWN # XXXX Account Name : XXXX XXXX XXXX XXXX # XXXX -DATE OPENED XX/XX/year>
Product: Credit card or prepaid card

Hello there I got a credit card from Bank of America in 2017 and I was paying regularly all the payments until I lost my job at the time of Covid and I stopped paying for the reason that the bank itself does not reduce the payments that I was paying in all my payments for example I paid more than seventy percent of the borrowed amount and I did not get Except in installments of the same value, as if I had not paid anything, and for this reason I stopped paying them. I hope you study these types of problems with Bank of America
Product: Credit reporting or other personal consumer reports

On XX/XX/2023, I mailed certified letters to XXXX requesting proof of debt that they are reporting about me. The letters requested that they provide proof of debt via documentation bearing my signature proving my debt. As of XX/XX/2023 more than XXXX days later XXXX still has not provided proof of debt with documentation bearing my signature. I am well with my rights in requesting this information according to the FCRA. ( Fair Credit Reporting Act )
Product: Credit card or prepaid card

I received 4 gift cards from XXXX when I referred a friend who switched to XXXX with 4 phones. Each card was worth {$50.00}. I do not remember the exact date when I received the cards but it was a few months ago. I noticed on the cards that they all are " valid thru XXXX. '' Also on the cards was American Express. I had {$200.00} sitting in my 'bank ' ( file cabinet ) and saw no urgency to use them immediately since they were good until the above date. On XXXX XXXX I decided to use one card when my brother and I went out for breakfast. The bill was for {$23.00}. I did n't think much about it until I got home and noticed a line on the receipt that showed my balance as {$8.00}. What! {$18.00} short of what it should have been. I called American Express ( AE ) and next thing I knew I was on the phone with XXXX. I explained that AE had switched me to her and she was very gracious in offering the {$18.00} as a refund in the form of lowering my phone bill for the month by {$18.00}. She also changed my plan to one with more data for less money per month. Now THAT is customer service! I thought that was the end of the gift card fiasco. But Nooo. Exactly one week later, XXXX XXXX, out to breakfast again with a friend, I gave the cashier the card explaining it was worth {$8.00} and I would pay cash for the balance. She replied that it was only worth {$5.00}. Another {$3.00} was taken from my card. Now I was furious. I called AE this time, understanding that XXXX had nothing to do with this 'theft '. The person on the phone, who I could hardly understand because they spoke a different native language than I do, told me that after 6 months they start taking {$3.00} a month from my card, as stated that on the back of the card. So I checked it out. But also on their card it specifically states that " FUNDS DO NOT EXPIRE. '' My dictionary is an old one, from my college days, but I think the definition of 'expire ' remains the same ... '' to die out ''. AE is killing MY money! I requested to speak to a supervisor and got nothing but a run around. They actually sent me back to XXXX. I tried calling AE one last time and the same thing happened. Now I have talked to many 'supervisors ' on the telephone but AE is the first company I have ever had conversation with that refused to switch me to a 'higher up '. I then checked the 'balance ' of the other 3 gift cards and AE had 'stolen ' a total of {$84.00} from me. In another 3 weeks or so they probably will do that again. That is what drove me to my attorney and he sent this link to me. I have several cards. A couple debit cards, and several credit cards. I do not have a large credit card debt but I use the cards to transfer balances and currently will be paying 0 % interest for the next 18 months. The only reason I mention this is that, while I have many cards, I can not remember ever reading anything on the back of any of my cards. I have never needed to and it has never come back to bite me in the XXXX like AE has done to me. This is a despicable way to do business.
Product: Credit reporting, credit repair services, or other personal consumer reports

REACHED OUT TO XXXX, XXXX, AND TRANSUNION IN A XXXX OF XXXX TO DISPUTE VIA PHONE OR ONLINE TO HAVE THIS REMOVED AFTER BEING DENIED FOR A HOME A PROVIDING PROOF THIS IS INACCURATE REPORTING AND THIS INFORMATION WAS NOT FURNISHED BY THE COURTS. THEY CAN NOT TELL ME HOW THIS WAS PROVIDED AND WHO GAVE THEM THIS INFORMATION SO, THIS SHOULD BE REMOVED.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no knowlege of the following inquiries on my credit report. I have disputed them on numerous occassions, and the companies have failed to correct the inaccurate information/inquiries reported to my credit report. 
XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, Prestige Financial Services XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have contacted the company 5 times about received my credit score via there service on the XXXX XXXX XXXXXXXX XXXX. Each time I have called they'd say it would take XXXX business days to fix ( after going over my information with them ). It has been two months now and the service still does not work. They've sent the issue to two other departments and nothing has been done to remedy the problem. They have not called back once explaining there issue.
Product: Student loan

I have been dealing with the predatory actions of Sallie Mae now Navient since XXXX. They have increased fees, and charged {$200000.00} in default charges, which has impacted my life and finances. I have always lived paycheck to paycheck or worse because of them.
Product: Credit card

Concora Credit, which recently acquired XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX recently sent me XXXX letters, XXXX for each of my respective cards. Both letters are relatively the same in its verbiage, but in differing amounts. These letters notified that not only is Concora going to increase the interest rates of XXXX of my cards to XXXX XXXX  but both of my cards are now subject to monthly maintenance fees. The Indigo card will be reviving a fee of XXXX  XXXX, whereas the XXXX XXXX  will be receiving a fee of $ XXXX. These letters also state that I have the right to reject these changes. However, it also states that should I choose to do so, my account will subsequently be closed, and Ill need to pay the account in full. It should be noted that these cards already had hefty annual fees in place upon signing up for them. 
The second provision states that by choosing to continue keeping these accounts active, I am subject to these changes no matter what occurs with my account, including transferring the balance and closing it. Along with this, by essentially taking no action, I wont be able to participate in a class action lawsuit, nor have any legal bearing to file an individual claim against Concora under any circumstance, including the validity of these changes, and breach of contract. 
This is predatory in nature. This company knows that the vast majority of its card holders have a lower credit score, and probably dont have the means to file a lawsuit if they wanted to. Furthermore, if this isnt a textbook example of breach of contract, Im not sure what is. I am an existing customer who agreed to certain and specific terms upon application. To change these terms with no recourse other than to cause immediate damage to my credit score is far from ethical and surely can not be legal.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 and XX/XX/2022, I sent a request for an investigation into some accounts that did not look correct on my credit profile. 

XXXX XXXX XXXX Account is reporting as Late 60 days, but the credit bureaus were unable to provide a statement proving the account was paid late. I am requesting all late payment be removed and payment status updated to " Current. '' XXXX XXXX XXXX Account is reporting late payments, but the credit bureaus were unable to provide a statement proving the account was paid late. I am requesting all late payment be removed. 

XXXX XXXXXXXX This account is showing as a collection, but it also show a Past Due Balance. The bureaus were unable to produce the document proving I owe the dollar amount listed. I am requesting this account be deleted immediately. 


XXXX XXXX Account is reporting late payments, but the credit bureaus were unable to provide a statement proving the account was paid late. I am requesting all late payment be removed. 

XXXX XXXX This account is reporting as a collection and closed on XXXX but 120 Days Late and open on Equifax XXXX This account is not FCRA compliant and should be deleted immediately.
Product: Vehicle loan or lease

ALL PAYMENTS WERE DONE VIA AUTOMATED PAY PROVIDED BY MERCEDES FINANCIAL AND FAILURE TO PAY ON TIME WAS ON THEM. ONCE I REALIZED THAT IT WASNT FUNCTIONING, I TOOK CARE OF IT MANUALY
Product: Credit card or prepaid card

American Express continues to deny me access to capital when I apply for lending products. I have been a customer since XXXX with no missed payments or accounts going to collection. The message I receive when I apply for new lines of credit or credit line increases states : I am past due with another creditor as reported by the XXXX credit bureau. This information is false I have submitted appeals to American Express with updated and accurate credit reports from XXXX that reflect my accurate credit profile. 

This practice has taken place since XX/XX/XXXX, when my existing accounts are being impacted, having my credit limits lowered. I have spoken to American Express 's Responsible Lending Department ( RLA ), Credit Department, Open Accounts Department, Customer Service, and Underwriting Department. All departments have failed to resolve the ongoing issue and just pass me along to the next representative, having me on the phone for 1-2 hours each time with no resolution.
Product: Mortgage

Ditect is servicer of a loan and property in hawaii. It is in violation of hawaii state mortgage servicer laws XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

No5 my accounts on recent credit report. Was hacked a year or more ago and they were in my bank account and any online account, Ihad at the time
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018, HCRVGRP. ( Heath Care Receivable Group ) ( collection agency ) reported an inaccurate debt to all 3 credit  bureaus. ( I do not owe the debt reported ) They were made aware this information was not correct and sent a delete letter to all three bureaus. I was told it can take up to 90 days for the inaccurate reporting to delete. The Information was deleted from all 3 within 30 days. Great right um no. The problem is on XXXX XXXX  HCRVGRP rereported the false information to XXXX  again causing my Credit score to drop. XXXX points. They have information from the original creditor acknowledging the debt is not owed. I called and spoke with HCRVGRP on XX/XX/18 I was told the would resubmit delete later to XXXX  for the second time. Meanwhile, it can take up to 90 to fix the error once again. I'm currently in the home buying process and can not afford mistakes like this. This error put a major ding on my credit report and home buying process for the second time. Please help
Product: Credit reporting, credit repair services, or other personal consumer reports

I will be filing a lawsuit against the Exeter finance company on the grounds of harassing phone calls all day and all evening, and they have put this on my credit report after I have told them the situation. Plus on the contract they over changed me almost {$17000.00} more interest on the vehicle I purchased when originally the vehicle was {$15.00} or {$16000.00} totaling the whole auto loan to {$34000.00} and some change with a seven year term on a XXXX  XXXX XXXX XXXX  XXXX. I am watching it daily to see the car note reported as past due when they know the situation I am in. I called them firsthand to let them know what is going on but it seems they dont care and want their money either way it goes. They have placed the loan and car note in default already. Why would I pay for something I dont have? Them and XXXX have ruined my credit. Please Help!!! 

Have any questions please feel free to contact me. 

XXXX XXXX XXXX XXXX : XXXX Home Office : XXXX Home Office Fax : XXXX Corporate Office : XXXX XXXX XXXX XXXX : TBA Email 1 : XXXX Email 2 : XXXX Company Email : XXXX
Product: Money transfer, virtual currency, or money service

Money was taken out my account multiple times and when XXXX reached out to talk to someone XXXX always received the computer version that never helped me get my money back nor spoke to a live operator.
Product: Checking or savings account

Account ending in XXXX XXXX XXXX XXXX I have {$51.00} on my account and have contacted CitiBank N.A. via phone and letter several times with no resolve. This amount was used for an online casino where I won over {$600.00} however CitiBank, without my authorization reversed the payment and I lost my winnings. I want MY MONEY back via check to the address listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX This is unacceptable. 

XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon checking my latest dispute with CFPB Experian has completely ignored all other account on my 15 USC 1681b letter for permissible purpose, Experian took it upon them selves to only delete one account! 

Experian is also violating my rights as a consumer because the companies they claim i I owe money to does not have jurisdiction or authorization to collect in the state of NJ! 

Exhibit 1 ( delivery confirmation to Experian ) Exhibit 2 ( deceivers conformation to Experian ) Exhibit 3 ( 15 USC 1681b permissible purpose Exhibit 4 2nd 15 USC 1681b permissible purpose Exhibit 5 ( account that can not collect in the state of NJ ) Exhibit 6 ( account that can not collect in the state of NJ ) Exhibit 7 ( account that can not collect in the state one Nj )
Product: Credit reporting or other personal consumer reports

My car was stolen containing my ID and social security card on XX/XX/2023. Since then I have placed a fraud alert on all 3 credit bureaus. I provided a police report # which is XXXX and a Federal trade commission identity theft # which is XXXX. I had a lot of fraudulent inquiries and even a credit card account fraudulently opened. I have disputed all of this my problem is the credit bureaus have been refusing to remove them saying the inquiries were somehow verified. I have not applied for anything since XX/XX/2023 This is a ongoing situation that I have to keep going thru because whoever has my information keeps on applying for credit so as I check my reports and see them then I dispute
Product: Mortgage

My name is XXXX XXXX and my mother XXXX XXXX has passed but left me her house and it is now in my name but the loan she had was still in her name I have paid into that loan up to XXXX then out of blue there was a XXXX dollar balance that was owed like a balloon payment so I seemed legal advice which they said XXXX has passed so therefore I was not responsible well that info apparently was incorrect so I have been trying to reach Faye servicing for weeks they say fax over papers so they could identify me then they want me to send again they giving me the run around and my balance total pay off was XXXX now from the attorney fees from looking over paperwork I submitted 2 times that was almost 3000 and all there interest when I have trying to pay off the remaining Ballance my home has XXXX equity so there just not giving me a chance nobody calls back I call at least once a day voicemail no return call
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Folow-up 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 : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX  XXXX, CA XXXX XX/XX/XXXX XXXX XXXX Balance : {$3900.00} XXXX XXXXXXXX Balance : {$1200.00} XXXX XXXX XXXXXXXX Balance : {$2000.00} XXXX XXXXXXXX Balance : {$1000.00} XXXXXXXX XXXX XXXX  XXXX XXXX Balance : {$6200.00} XXXX XXXX XXXX Balance XXXX {$6400.00} XXXXXXXX XXXX XXXXXXXX Balance XXXX {$5500.00}
Product: Checking or savings account

On XX/XX/2024 Chase bank suddenly closed my account without any explanation. I called and asked why my ChaseXXXX account was restricted, they said Chase decided to end our relationship.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Dear Equifax, I just looked at my credit report because I have huge goals. I am looking to buy my first house. I just wanted to make sure everything was reporting 100 % correct and everything was accurate. Can you reinvestigate the completeness and accuracy of the list of accounts below. I have no knowledge of these accounts they are fraudulent. I dont know what this collection is about I am not associated with the fraudulent accounts. Please remove these accounts as it is messing with my livelihood. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX REMOVE ALL FRAUDULENT ACCOUNTS SWIFTLY OR PROVIDE DESCRIPTION OF PROCEDURES AND STEPS TAKEN TO ACCURATELY VERIFY THE ACCOUNTS IF YOU CANT PROVIDE THIS REMOVE THEM. 

investigate the completeness and accuracy of every piece of information If it's not accurate, please remove it from my credit report. 

I have taken immediate steps to address these concerns and am currently in the process of rectifying this issue. Please investigate this fraudulent account as a matter of urgency, and kindly provide me with the necessary information to on and assistance to resolve this matter swiftly. Thank you for your prompt attention to this matter. Please remove this account as it is fraudulent.

These accounts are NOT showing maximum possible accuracy according to 15 USC 1681e ( b ) the open date, date last active is not accurate. Delete Accounts Immediately for violation of 15 USC 1681e ( b ) 15 USC 1681s-2 according to ( a ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate. I got the investigation back but noticed some of the accounts were not modified or updated. According to 15 USC 1681 ( 5 ). Delete these accounts immediately because of violation of 15 USC 1681i ( a ) ( 1 ) ( A ), 15 USC 1681s-2, and 15 USC 1681 ( 7 ). Delete these accounts because they dont belong to me multiple violations. These accounts have violated my federally protected consumer rights. 

XXXX XXXX XXXX : XXXX Yes it is me disputing no one is representing me at this time.
Product: Credit reporting or other personal consumer reports

I would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get 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 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
Product: Credit reporting or other personal consumer reports

I'm feeling troubled, unhappy, and stressed regarding the developments in my credit report. There are late payment remarks on some of my accounts, even though I have consistently made timely payments. I did not miss any payments, and I urgently require your assistance to address this issue
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I opened a personal loan with Santander, which was due on the XXXX of every month. In XX/XX/XXXX I missed my payment due date, as I was tied up on business travel. In ealry XXXX I called to make my payment ( forXX/XX/XXXX ) and was told after the payment was made that I would not be derogatoraly reported by the agent who took my payment. In XX/XX/XXXX I received verification that Santander did indeed report me 30 days past due. Ive been fighting them ever sense.