23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

XXXX XXXX, 2015 my mother passed away. She and I both had several account together at Bank of America. Because of my mother 's declining condition, on XXXX XXXX, 2015 I made a transfer into her account in the amount of {$10000.00} to pay for the upcoming funeral services. Prior to me notifying the bank of her death, the bank froze her accounts XXXX XXXX, 2015 without notification. When I went to write a check for the funeral home services the account was blocked. I have sent in numerous documents to the bank to close the account, however they have sent me numerous requests for duplicate items including the XXXX which I completed XXXX times with their Bank Rep. XXXX XXXX, in the XXXX, NJ branch. I received letters from Bank of America requesting letters of Testamentary which I submitted XXXX times. I submitted a copy of the my mother 's will after they threatened to not close the account and after my attorney advised me against submitting a copy of the will. I have called the Estate Department ( XXXX ) and spoken to over XXXX people, I have their names and date and time I spoke with each person. Each person claims to be either the Supervisor or give me a fake number or name to a supervisor. No one knows the actual status of the account. Several have told me everything was received and a check would be mailed. Then a few days later I receive another letter requesting duplicate information. Please help! I need to finish paying my mother 's past bills and Bank of America has been a nightmare.
Product: Credit reporting or other personal consumer reports

I looked at my report to check on the update on my request to remove the inaccurate and fraud information from my credit reports. To my surprise, a new fraud account has been added. Please help me remove this fraud account along with the others from my previous complaint. XXXX - XXXX XXXX  - XXXX - XX/XX/XXXX This is not mine. I am writing to report a case of identity theft and fraudulent hard inquiries that are still showing on my credit report with TransUnion and XXXX, despite my efforts to have them removed. I sent out my letter on XX/XX/XXXX. However, to this date ( XX/XX/XXXX ), the fraudulent accounts, information, and hard inquiries have not been removed from my credit report. I have contacted all bureaus multiple times, but their agents have not been able to provide a satisfactory resolution. Each time I call, I receive different answers, and the problem remains unresolved. I have even sent my IDs to them, but they have not listened to my request to remove the hard inquiries. Please remove the fraud accounts and inquiries from my report. Fraud names to be removed : XXXX XXXX, XXXX XXXX. Fraud accounts to be removed : XXXX XXXX XXXX - XX/XX/XXXX. Fraud inquiries to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX This is also inaccurate. Please update the status to 'Never late '. I was never late for this. I have tried my best to be a responsible consumer and parent. This is just unacceptable. Please update. I never authorized for this to report. This is personal and should never even be on my reports. OFFICE OF THE ATTY GENER - XXXX - XX/XX/XXXX, ATTORNEY GENERAL-XXXX  - XXXX - XX/XX/XXXX. I have attached to this request the same FTC report that I sent to them, along with my ID and proof of address. I would appreciate it if you could take immediate action to have these fraudulent inquiries removed from my credit report. XXXX : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, and I appreciate you taking the time to delete some of the information in my credit file ; however, there are still items that need to be corrected and deleted. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these items ( A ). I hope these disputed items will be discarded right away : 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: Prepaid card

Rush card will not activate my card they keep transferring me than hanging up on me I have been on the phone for hours I do n't feel it fair I need my money that they are holding I 'm forced to go to payday loans to pay bills and get gas to to work and feed my family I ca n't get my medicine no moneys
Product: Payday loan, title loan, personal loan, or advance loan

On XXXX I called Conn 's Home Plus regarding my account. I was not aware that I was past due. I was committed to the hospital and then transferred to a XXXX XXXX. I myself was unable to make payments due to my hospitalization. I asked my mom to make sure my affairs were handled however they weren't. My mail was forwarded to my current facility in which I received collection letters. I also received alerts once my phone was given back to advise I was reported past due. The alert shows as follows : Credit Alert Delinquent Account Reported By CONN APPLIANCES , INC. Reported On XX/XX/2023 I then checked my credit report and the account shows as follows : CONN APPLIANCES, INC. 30 DAYS LATE Personal Loans {$1100.00} Status Date Reported XX/XX/2023 Payment Status 30 Days Late Amount Past Due {$45.00}. 

I called XXXX and made a payment. I advised the representative that I had been reported past due to the credit bureaus and asked if Conns did goodwill credit reporting. I stated that I am requesting a goodwill credit report update because I had never been 30 days late and was unable to pay due to my hospitalization. The representative and supervisor told me that a request was made and to call back Tuesday. However, I just called back today on XXXX and was told by two different representatives that the loan servicing department said they show no late payments and if my credit report did I had to send a copy of my report to : XXXX. This contradicts my calls on XXXX and my credit report. However, I sent the email and now I am filing a complaint. Per Conns latest email it states : XXXX XXXX ( Conn 's HomePlus ) XX/XX/2023, XXXX XXXXXXXX XXXX XXXX, Thank you for contacting Conn 's HomePlus concerning your inquiry. We appreciate the opportunity to address your needs. The 30-day credit mark is NOT reflecting on the account as it was recently changed. It will not reflect on the credit report until the account reports at the end of this month. The report that was pulled will not reflect the change. Again, it will not be updated until the account is not reported at the end of the month. If you need any further assistance please contact us at XXXX. 

Sincerely, Conn 's HomePlus My score dropped XXXX points. Each credit monitoring service I have shows me being 30 days late. I know that major credit card companies have a goodwill credit report request policy. So it is very disheartening given my circumstances and no previous 30 days late that my request can not be accommodated. 


Today is XXXX and late payment is still reflecting on my credit report, per the email sent from conns above I was advised : It will not reflect on the credit report until the account reports at the end of this month however nothing has been updated
Product: Checking or savings account

I wanted to raise to you a very problematic business practice being used by Bank of America with its customers. Today, I received an email ostensibly from Bank of America asking me to call into a XXXX number to provide all sorts of sensitive information about myself like SSN, date of birth, etc. The XXXX number did not match any public number for Bank of America when I XXXX that. At first, I assumed it must be a phishing attack. So I called Bank of America 's legit customer support number, and I told them about the email. As it turns out, it is a legitimate email from Bank of America. You might think, ok, so what is the problem then? The problem is that scam artists out there can very easily copy this sort of email and practice, and do the exact same thing Bank of America is doing, but instead, tell the customers receiving the communication to call into a scam number and provide their sensitive info to the scam artists that way. 

This practice by Bank of America has to be investigated and changed. Bank of America is putting their customers ' sensitive info at risk. Bank of America should not be sending emails out of the blue, unsolicited, asking customers to call in and give their SSN!! In this day and age, Bank of America should know better and they should have a more sophisticated and secure way of collecting and verifying their customers ' info. 

Can someone on your team please investigate this? I am happy to provide a copy of the email I received.
Product: Credit reporting

they are reporting a tax lien that was withdrawn and dismissed as an error in the courts. This was filed against me in error and they have it on my credit report.
Product: Credit reporting or other personal consumer reports

Dear Trans Union I hope that this letter finds you well Regarding : Letter XXXX XXXX XXXX I received a letter from you that appears to be computer generated and very confusing as to what it is supposed to be saying Im asking specifically what the letter means and when it says that the items are not on my account. Please tell me the items because I requested an investigation for four charge offs that still remain on my account. The investigation did not resolve anything. 

Kindly provide me with specifics as to what was removed from my account as far as anything or the charges Please clarify what the letter meant Thank you very much XXXX XXXX
Product: Credit reporting or other personal consumer reports

This account was charged on the following date : XXXX Since then, the account has repeatedly been updated charged off every month. This is an update in the payment history. A charged off account should not include in active payment history. This inaccurate information falsely manipulates the status of limitation investigate this account properly after I asked you to do it twice and your neglect has violated demanding a deletion of the following account name XXXX XXXX XXXX XXXX Balance {$4500.00}
Product: Money transfer, virtual currency, or money service

Earlier this year I tried to send someone {$150.00} thru ' Cash App. The person was never able to get the money and his bank told him that he couldn't use cash app becuase they have their own " system '' and any such transfer of money using that bank would have to use their app. Numerous attempts have been made to get a refund, but getting back money from Cash App is about as easy as walking on water or bringing the dead back to life!!!. 

All I've been trying to do for the past 3 months is get a refund. Cash App has made sure to give me the biggest run-around you could imagine, so much that I am forced to think of them as " SCAM APP '', rather than anything else. 

Aill I want to do at this time is get back my {$150.00}. I am on Social Security and could really use my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and I am disputing some items that need to be deleted. The reason why these items should be deleted is due to I have not authorized the following accounts below. The Fair Credit Reporting Act Section 609 [ 15 USC 168Ig ] bureau should send me all application being denied according to the provision Section 612 ( b ) [ 15 USCj ( b ) ] meaning there should be no charge for this information. Accounts : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX
Product: Checking or savings account

On XX/XX/XXXX, I went to the grocery store and my debit card was declined. I checked my account online and discovered {$1100.00} was withdrawn from my account. I contacted PNC Bank customer service on XX/XX/XXXX and was advised that it looks like the bank teller located in a different state, Pennsylvania, I am in XXXX, entered in the wrong account number when doing a withdrawal for a different account holder and the money came out of my account instead of the other person. I was advised that the department that handles this is currently closed since it was the weekend and to call back on Monday morning at XXXX. On Monday, XX/XX/XXXX, XX/XX/XXXX, I called back on Monday and had to explain to the next agent what was going on with my file and then I was advised that since the funds were still pending, I would have to call back on Tuesday to actually dispute the withdrawal. I called back on Tuesday, XX/XX/XXXX, XX/XX/XXXX and after I explained AGAIN what happened on my file, I was advised only a supervisor could issue the immediate credit and was placed on hold to speak to a supervisor. The supervisor gets on the line and advises me that there was no notes on my file so I needed to explain what happened AGAIN. After I explained, the supervisor advises me she just needed to contact the branch to get the information to reverse the withdrawal. After placing me on hold for 10 minutes, the supervisor advises me that she cant reverse the withdrawal and that now I have to wait until it is investigated for it to be reversed. The supervisor advised me that she didnt know how long the investigation would take so I basically have to wait with my account overdrawn, overdraft fees and no access to my funds.
Product: Credit reporting or other personal consumer reports

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 

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

I was going through my credit reports ( XXXX, XXXX, and XXXX ) and I'm just wanting to request that the late payments be updated as on time payments. To be perfectly transparent, I recently got a divorce and my ex-husband was in charge of the accounts. I noticed afterwards that he missed some payments during the divorce preceding 's. I'm just trying to start this new part of my life over and these late payments are hindering my ability to move on. If you look through my credit report, I have been making my payments on time regularly up until recently. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Also, there are some addresses that I've never lived at that I seen on my credit report and I request them to be deleted also please. 
XXXXXXXX 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: Student loan

After making a payment on XX/XX/XXXX, my account was debited XXXX the next day. This put the account negative, consuming most of my direct deposit on XX/XX/XXXX. As a result, my automated payments generated overdraft fees, my vehicle broke down, and the automated system tells me that my next payment is due XX/XX/XXXX. I called for a few days ( XX/XX/XXXX, XXXX ) before realizing that I should document my experience, but the essence is below : XX/XX/XXXX - XXXX advised 45-90 days for resolution XXXX XXXX / XXXX - called XXXX @ XXXX hrs, waiting for call back same day - called Ed Financial was advised no action taken same day - Ed Financial states that issue has been expedited XXXX XXXX call back states that XXXX is waiting for signature and to check the mail ( nothing found ) confirmed 45-90 days for resolution XXXX Ed financial - Emergency status no action taken * Audio system says Payment due XX/XX/XXXX same day- XXXX States that no progress made XX/XX/XXXX - XXXX States that there is one more day to make the provisional credit decision. I advised that I would call back tomorrow Same Day - Ed Financial automated system advised next payment due XX/XX/XXXX. Per agent, I will receive assistance with any late fees, and there is no progress on the account, and that I will simply have to wait. 

XXXX XXXX clarified amount taken ( XXXX ) shows pending Credit one more day, will call back tomorrow Same Day- Ed Financial system states payment due XX/XX/XXXX, but website states no payment due. Agent advised that there is no time limit on the investigation, placed me on hold while she looked into the matter. Agent states no action has been taken, that there are a number of requests, and that they are worked in the order received. 

I do not understand how it is so easy for EdFinancial to ignore an error that could lead to missed payments, perhaps even default! Overall, it feels almost deliberate. If my word is not enough, here are other complaints : XXXX XXXX XXXX XXXX XXXX XXXX & XXXX & XXXX
Product: Credit reporting or other personal consumer reports

I finished paying my car noteLast year XXXX XXXX XXXX XXXX, however sometime before that, in XXXX XXXX XXXX XXXX about a month before i made my finalpayment, XXXX XXXX XXXX ( XXXX ) reported that I was 30 days late on my payment. I called several time and exchanged emails etc. XXXX ( rep from XXXX ), respondedwith justifications as to why that late report is on my report etc. ( see thread ) Eventually, your team sent me my title but the late payment report had already been done. 
I recall talking to XXXX team several times in XX/XX/ about why my creditreport is showing more balance than it should. A team member informed me that XXXX is changing its systems and for that reason, balances showing on each credit bureau is different. I gave their team grace to correct this balance inaccuracy. XXXX XXXX, there still was no correction yet. ( I assumed XXXX  was still changing database systems ) Again, I emphasized to the representative that if i were late for my payment, XXXX will charge me a late fee and also report to the credit agencies. I stated that if that correction is not fixed, i will not make payment on time for my next month. ( All of this, i have on recording and i believe your team has on recording as well ). Indeed if i was late on payment, XXXX quickly reported that late payment to the bureau. 
Fast forward to today, this isscrewing me up big time because I can not purchase real estate whatsoever. 

At this point, all I am asking is a resolution regardless of who is to be blamed. As customer goodwill/ courtesy ; is XXXX or anyone capable to update the creditbureauwith a letter or something so that it can be fixed/taken off my report?
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Formal Dispute of Inaccurate Late Payments XXXX Account ( Account Number : XXXX ) Dear CFPB, I am submitting this formal dispute regarding the inaccurate reporting of late payments for the XXXX account ( Account Number : XXXX ) on my credit report. Upon careful review, I have identified multiple discrepancies that fail to accurately reflect my payment history and account details, and I request immediate correction of these inaccuracies.

Nature of the Complaint Inaccurate Late Payments : The credit report shows 30-day late payments for XX/XX/XXXX and XX/XX/XXXX across all three bureaus ( TransUnion, XXXX, and XXXX ) . These late payments are false as I have consistently made timely payments, and my account has been enrolled in autopay, ensuring payments are processed on or before the due date.

Discrepancies in Account Details : High Credit : TransUnion and XXXX report {$1400.00}, while XXXX incorrectly lists {$0.00}. 
Last Reported Dates : TransUnion : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX Payment Status : All three bureaus indicate the account is current, contradicting the reported late payments.

Violation of Federal Laws : Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of late payments violates my rights under 15 U.S.C. 1681i and 15 U.S.C. 1681s-2, which require credit reporting agencies and furnishers to ensure maximum accuracy in consumer reports and to promptly correct any errors.

Truth in Lending Act ( TILA ) : The misrepresentation of my payment history breaches TILA 's requirement for truthful and accurate reporting of credit information.

Fair Debt Collection Practices Act ( FDCPA ) : Reporting false late payments constitutes misrepresentation of my account history, potentially violating FDCPA standards.

Requested Resolution To resolve this matter, I am requesting the following actions : Immediate Removal of Late Payments : Remove the reported 30-day late payments for XX/XX/XXXX and XX/XX/XXXX from my credit report.

Correction of Account Details : Align the high credit amounts, last reported dates, and any other discrepancies across all three bureaus to reflect accurate and consistent information.

Confirmation of Investigation Results : Provide a written confirmation within 30 days, as required under the FCRA, detailing the results of your investigation and the steps taken to resolve these inaccuracies.

Failure to address these discrepancies and ensure compliance with federal consumer protection laws may result in further actions, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and other relevant authorities.

Thank you for your prompt attention to this matter.

Sincerely, XXXX XXXX XXXX XXXX
Product: Debt collection

They contacted a relative instead of me and it has put me in harm 's way as well as caused me further financial distress because my information was shared and I was punished, now I will not be able to make the full payments. They included my full name in the subject line and the amount I owe, which the person weaponized against me.
Product: Debt collection

Just recieved notice from XXXX XXXX that a new collection company, common wealth finacial, put a debt on my credit report for over {$500.00}. I never recieved written notice or any phone calls at my home address even advising me that i had a debt. The dates open say from 1 month ago. I have no knowledge of this debt. I believe this is fraudulent account. Because of this my credit score dropped 7 points. The best part is that it says the account was opened 1 month ago. I want to bust this company for doing this to me. I looked up common wealth financial and they have a reputation for showing up on credit reports. Thank you for you help
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a notice from transition, XXXX, and Experian that my XXXX XXXX account was late for XXXX, XXXX, & XXXX of 2022 and has a balance of {$41.00}. This is inaccurate information that was reported to all three credit reporting agencies. 

I paid my account balance on XX/XX/2022. Since then, I have not had any activity until unexpected activity in XXXX for a credit of {$41.00} that I am unaware why exists but is showing up as a balance instead of a credit on my credit report ( no activity has occurred since XXXX of 2022, so I have no idea why there is any activity occurring on the account ). 

I disputed it with XXXX, XXXX, and Experian and the 3 months ( XXXX, XXXX, and XXXX of 2022 ) that it lists late payments were not removed. In addition, it lists now that there is a {$41.00} balance, even though there is no balance, other than a credit, on the account. 

I have never been late and do not have a balance.