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

I receive grants from the us government of treasury I deposited checks into my bank of America account everything was fine they cleared the checks in 3 days I was able to spend my money I'm not to sure about the dat but maybe XXXX the XXXX I went to a XXXX XXXX bank of America financial institution to do a wire also I was doing wires at bank of America in XXXX XXXX with no problem but the downtown institution started asking me question like where did the money come from so I explained they froze my account they sent me a letter in the mail saying I can no longer use my debit card or spend my money they told me that they were going to close my account XX/XX/XXXX and they told me that in the month of XXXX so I waited until XX/XX/XXXX and they didn't close it and said that they going to extend for more review so I called them after XX/XX/XXXX for the stats of my account and they kept giving me dates now it is XXXX they closed the account XX/XX/XXXX but said the funds will go into the back office for further review and bank of America told me there is no timeframe on when they will release the funds also they said that they are going to send money back to where the government checks came from which is the its but when I talked to the its XX/XX/XXXX they told me they are suppose to send to me my address which was on file the its also told me I should get a attorney I'm struggling just to make ends meet I'm behind on my bills because I was told by bank of America that they were going to close my account and send the money to my address but they just been lying to me I just need my money so I can move on thanks hope you can help
Product: Credit reporting or other personal consumer reports

I am writing to you because you are reporting inquiries on my credit report that I do not recall. I did not authorize the inquiries below. Please review the items listed : Creditor name : XXXX XXXX Creditor name : XXXX XXXX Creditor name : XXXX XXXX Creditor name : XXXXXXXX XXXX XXXXXXXX Creditor name : XXXX XXXX Please forward me any documentation providing proof I applied for credit with this creditor. If you can not provide such documentation, then please remove this inquiry from my credit file immediately.
Product: Vehicle loan or lease

Purchased the vehicle XX/XX/XXXX. Subject : Vehicle Repossession My XXXX XXXX XXXX was repossessed on Friday, XX/XX/XXXX at approximately XXXX. However, under FL Statute 320.27. At least 10 days prior to sale, the lender shall notify the borrower of the date, time, and place of the sale and provide the borrower with a written accounting of the principal amount due on the title loan, interest accrued through the date the lender takes possession of the titled personal property, and any reasonable expenses incurred to date by the lender in taking possession of, preparing for sale, and selling the titled personal property. At any time prior to such sale, the lender shall permit the borrower to redeem the titled personal property by tendering a money order or certified check for the principal amount of the title loan, interest accrued through the date the lender takes possession, and any reasonable expenses incurred to date by the lender in taking possession of, preparing for sale, and selling the titled personal property. Nothing in this act nor in any title loan agreement shall preclude a borrower from purchasing the titled personal property at any sale. This was not done. I have never been notified and/or given the option to pay and/or retrieve personal property left in the car.
Product: Checking or savings account

Wells fargo closed all my accounts because my ID in record with them expired. They closed my account this morning. I spoke to numerous people at wells fargo today and was told that my accounts that were closed this morning can not be reopened. I was told that i needed to open new accounts ( does that sound familiar? ). I have three personal accounts, one checking, two savings. I have 2 business checking accounts for two different LLCs. One account i had since XXXX. 

I am sure that i am not the only person affected. Imagine the millions of people that have not been to the Wells fargo branch in years. I feel like they're doing this to drive foot traffic to branches to sell people stuff. 

Last time i was at a branch was XX/XX/XXXX to open an llc business account and i provided my valid ID. 

I was not provided any notice that my accounts were going to be closed.
Product: Debt collection

Lotane & Associates took me to court to pay a medical bill from my XXXXyr old daughter. We settled with the subcontractor they sent out on XXXX.19.  Their subcontractor told me they would be sending us official documents about our debt owed in two weeks. I have never received any documents from them to date. They did call me and told me my wife and I both had to sign another document because the debt was in both of our names. They sent me a document via email that was altered and had the XXXX County Court seal on it. I told them I would not be signing this, as it was not an official court document. I sent them am email again, on XXXX.19 and to date have received no reply from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the credit bureau on several occasions and always get the information has been verified as accurate, but the credit bureau never sends me the information I have requested that was used to verify the accounts and personal information from public record. I filed a dispute via mail and over the phone with a specialist, however, the information still remains on my credit file. I tried to dispute some of these addresses and personal information online through the credit bureaus, but it doesn't allow me. I had to contact them by phone or mail. The XXXX accounts are associated with two addresses, that I have requested to be removed several times. I have never been associated with either of the addresses. Also, there are some XXXX XXXX accounts that I have requested to be removed as well. I have no knowledge of those accounts from that creditor. I never gave the creditor permission to access my credit file or report inaccurate information. In addition, accounts on my Equifax credit file haven't been updated accordingly. The following accounts are XXXX XXXX 's XXXX, XXXX XXXX, XXXX XXXX, XXXX & XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX all these accounts need to be removed from my credit. XXXX has been paid off for over 4 months and I have disputed with XXXX several times, provided the info and they still haven't updated it since XX/XX/21, but XXXX and XXXX have updated my reports accordingly. I have attached pretty much everything that needs to be done. Lastly, XXXX, I have submitted disputes for the credit INQs currently reporting to my XXXX file and they sent me a letter showing they're deleted, but they still show up on my credit file. I think my XXXX credit file was too large and split and EQ hasn't been able to compile my file properly to retain accurate information.
Product: Credit card or prepaid card

I was out of work due to illness out on FMLA which was unpaid I called XXXX XXXX XXXX  spoke with rep who agreed I could update make payment on a later date and they would not report as a 30 day late payment because I did have credit life and XXXX insurance I checked my credit report today and XXXX XXXX XXXX has reported my account 30 days late to all three bureau after agreeing not to
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  .I 'm closing on my apt XX/XX/XXXX 2020.XXXX reassure me that I Wouldn't t be reported to the credit bureaus for a late payment! when the XXXX  apt is being paided off on the XX/XX/XXXX, 2020.Please reach out to XXXX and have it corrected, thank you
Product: Student loan

I made a payment of {$1000.00} on my student loan account with Mohela on XX/XX/23. I learned shortly, about one week, that my loans had been discharged prior to this payment but I had not been notified. I have contacted Mohela to find out about a refund of my overpayment. On the phone, they told me that they would credit it back at the beginning of XXXX. I emailed again this week and they responded saying that they " had no information about my refund from the US Treasury. '' I was clear that I am not requesting information about the refund from the US Treasury. That was settled already. This amount was a payment after the loans had been discharged and is being held by Mohela. On the phone they acknowledged that they owed me a refund and that I could expect it in XXXX. Via email they just reply with a form notice that refers to the US Treasury which is not what my inquiry is about. I have tried to call multiple times and can not get through to any customer service representative.
Product: Credit reporting or other personal consumer reports

Subject : Formal Notice : Inaccurate Payment Reporting for XXXX XXXX XXXX  Account and Unjust Credit Score Impact This letter serves as formal notice of your failure to accurately report my payments for my account with XXXX XXXX XXXX. This inaccurate reporting has unjustly led to a monthly credit score decrease of XXXX points despite my demonstrated compliance and timely payments. Your actions violate the Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C. 1681 et seq. ], which mandates the accurate and fair reporting of consumer credit information. 

Account Information Creditor Name : XXXX XXXX XXXX  Account Number : XXXX Description of Issue : INACCURATE CREDIT REPORTING SINCE XXXX. 
Violations of Federal Law Under the FCRA, credit reporting agencies and furnishers of credit information are legally obligated to ensure the accuracy and completeness of all information reported. Your actions violate the following provisions : 15 U.S.C. 1681e ( b ) : Consumer reporting agencies must follow reasonable procedures to assure the maximum possible accuracy of the information in consumer reports.

15 U.S.C. 1681s-2 ( a ) : Furnishers of information must provide accurate information and promptly correct any errors when notified by the consumer or the credit reporting agency.

15 U.S.C. 1681i ( a ) : Upon notification of a dispute, consumer reporting agencies must conduct a reasonable investigation and correct or delete any information found to be inaccurate. 
Harm Caused by Your Actions Your failure to accurately report my payments and the corresponding unjust credit score decreases have caused financial harm, including but not limited to : Reduced creditworthiness in the eyes of lenders.

Emotional and financial distress due to incorrect reporting.

Demand for Immediate Corrective Action I demand that the following actions be taken within 10 calendar days of receipt of this letter : Immediate Correction : Update my credit report to reflect accurate and timely XXXX XXXX XXXX  account payment history. 
Written Confirmation : Confirm that my payment history has been corrected and is now accurately reflected in my credit report.

Credit Score Review and Adjustment : Conduct a thorough review of the unwarranted decreases in my credit score and make the necessary adjustments to restore my score to its accurate value. 
Preventive Measures : Outline your agency 's steps to prevent future inaccuracies. 
Legal Ramifications of Non-Compliance Failure to address this matter in a timely and satisfactory manner will leave me with no choice but to take the following actions : File a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ).

Pursue legal action under 15 U.S.C. 1681n for willful non-compliance, including actual damages, statutory damages, attorney fees, and punitive damages. 
Enclosures Please find attached : Payment records for the XXXX XXXX XXXX  account demonstrate timely payments. 
Recent credit reports show that inaccurate reporting and unjust scores have decreased.
Product: Debt collection

I received a text message on Sunday from collection company XXXX XXXX that I had a collection in the amount of {$37.00} owed. I don't have any collection account. I ordered my 3 annual credit reports. It showed that a company called resurgent/LVNV Funding was the debt collector for a " XXXX XXXX '' utility account. I have had XXXX as my provider for 30 years and never signed up for any other service. My credit report also showed a XXXX address and the name of XXXX XXXX whom is not known to me all associated with this debt. I contacted XXXX, the debt collection company and XXXX XXXX to have this erroneous information removed from my credit report. The collection account and the XXXX address are removed from my credit report but the address is still showing connected to me on online searches. I do not live in XXXX. XXXX XXXX is showing as a " family member ''. This person is not known to me and I want her association to me removed as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX XXXX XXXX an XXXX company, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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, credit repair services, or other personal consumer reports

Hello, Back on XX/XX/XXXX I did a tenant screening with XXXX XXXX and found that a Company named Ability Recovery Services is claiming that I owe XXXX University. I was at XXXX University for one semester and Financial aid covered the cost and made my account balance for the school XXXX. The Financial aid loan is also through XXXX my student loan provider and since I am actively in school the loan is in deferment. Fast forward to three to four years later and this company is trying to capitalize on a student loan that is already with a provider. When I reached out to XXXX I was told my balance was XXXX and have the screenshots of the balance and proof showing financial aid did their disbursement and I was only there for one semester then left with a XXXX balance. I was never enrolled in any classes. I disputed this with credit bureaus and when tried to contact no one is answering and I am ready to take this as a legal matter because it shows this loan is clearly loan Letter I number 11 on my Department of education XXXX student loan. Someone needs to look into this company as well as XXXX University  for reporting false information.
Product: Credit reporting, credit repair services, or other personal consumer reports

i paid these account on time yet it was reported for late payment account : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is furnishing private, non public information on my consumer reports. According to the XXXX XXXX XXXX XXXX, financial institutions are required to provide consumers privacy when it comes to their non-public accounts. Disclosures to consumers should be given to consumers to provide the option to opt-out of reporting to non-affilated third-party agencies. I have never been provided the option to out. I demand the deletion of this account from all reports as I wish to opt-out of any further reporting of this account. Please see the attached documents. 
The amount being disputed is {$2500.00}
Product: Credit card or prepaid card

I recently contacted BOA regarding a charge for a purchase I dis not make. 
BOA has found the charge fraudulent and credited my account for the {$75.00}. 
However I was forced to surrender my card and account for a new card and account with a 50 % interest rate increase. 
my credit score is near 800.
Product: Checking or savings account

I deposited a check for {$18000.00} into my account on XX/XX/year> and was told the fund would be held for two days. The check should have cleared on XX/XX/year>. The funds were debited from the payers account XX/XX/year> but were not made available to me. Chase came back later to say that the funds would be held until XX/XX/year>. This caused a significant ripple effect across my account that caused NSFs with my payroll and various other payments that should have been posted to the account. I was not aware of the additional hold until XX/XX/XXXX. Chase charged me {$640.00} in service fees to the account because of this but only refunded {$100.00} of the fees. This issue has led to significant NSF charges with XXXX, our payroll provider, because they tried to redebit the account and the funds were still on hold. XXXX is terminating my payroll account with them because of Chase 's issue. 

When I look at my account on Chase now, it says those funds posted to the account on XX/XX/year> and shows my balances calculated from that day, which is a complete lie because I see the letter in the account of when they placed the additional hold as well as additional letters for the NSF this hold caused. Chase is lying to save face here as they held funds needlessly when XXXX had already cleared the funds on XX/XX/XXXX. Now my business is in jeopardy, I can't pay my people because I have to find a new payroll provider and XXXX is locking my information. All of this was caused by Chase holding funds for money they had already received and just decided to hold them longer because they could.
Product: Credit reporting or other personal consumer reports

improper reporting which damaged my access to a better life. It hurts my chance to obtain credit and loans to buy a home or more reliable car for myself, help my child with school, and buy good quality
Product: Credit reporting, credit repair services, or other personal consumer reports

There were a number of issues with this credit card and the charges, but the current problem is this charge off by XXXX XXXX XXXX # XXXX was in XX/XX/2011 and the charge off still appears on my credit report.
Product: Student loan

EVERY year when we attempt to renew the IBR, the  paperwork gets lost or mishandled at Conduent ( ACS ). We spend hours re-submitting forms and making phone calls while the amount due which is greater than we can pay builds and shows overdue. The company eventually gets the IBR fixed, but forces us to additionally pay the overdue higher amounts, which is a real struggle for us.
Specifically, this year, we submitted the IBR requests via pdf email on XX/XX/XXXX and received a confirmation email onXX/XX/XXXX that showed they had received the IBR request and would contact us when processed. We heard nothing from the company until yesterday XX/XX/XXXX when our bill arrived showing no IBR at all. This happened for both my account and my wife 's, with the total payment due exceeding our combined monthly income. I called ACS and they apologized for not contacting us because " the pdf IBR application was cut off with only half the page visible. '' It is a PDF ... NOT A FAX and I confirmed that the image is complete. SERIOUSLY, what are the odds that two separate pdf docs ( one for me and one for my wife ), sent in separate emails were both " cut off ''???
Now they say we have to start over, re-applying for IBR, because the dates on the application are over 60 days. THE DATES WERE FINE EXCEPT THAT THEY DID NOT PROCESS THE ORIGINAL REQUEST OR CONTACT US THERE WAS A PROBLEM.
THIS OCCURS EVERY YEAR. 
My SSN XXXX My Wife XXXX 's SSN XXXX
Product: Debt collection

This company is attempting to collect money I do not owe this is a falsified debt and also I tried to contact this company and they began to threaten to sue me and they were very disrespectful to me. I asked to see proof of contract between me and the original creditor to see what was going on they didnt send any information I also asked to see proof of the original lease agreement I never received that as well. This is a clear violation of the FCRA and FDCPA they are using untruthful and unfair tactics in order to scam me out of money. I want to see all of the necessary proof that I requested which is my right and failure to produce those documents within 30 days could very well result in a lawsuit in which I will seek compensation for the damage that this company is doing to my life and my credit report. I want the original signed contract by me also I want the original lease agreement signed by me also I want to see the payment history between me and the alleged landlord or company that rented the place as wel as a copy of my ID Card used to obtain this service or property and my SSN card. They have violated numerous of my rights once they threatened me and tried to lie as if I really owed them this amount of money when I do not this is not my debt at all I am also requesting copies of the original security deposit receipt and the proof reimbursement receipt as well
Product: Credit reporting, credit repair services, or other personal consumer reports

The items listed below are reported on my personal credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XX/XX/year> I am submitting this complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding Experian, specifically in relation to the recent data breach that has compromised the personal information of countless consumers, including myself. Pursuant to the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ), I request the removal of fraudulent information from my credit report that has resulted from identity theft and fraud. Experian is legally required to complete this action within four business days of receiving this complaint. *Fraudulent Accounts to be Removed : * XXXX XXXX XXXX XXXX XXXX XXXX The accounts listed above are fraudulent and have led to numerous unauthorized hard inquiries and derogatory collections appearing on my XXXX credit report. These entries are unequivocally tied to identity theft and are negatively impacting my credit standing. To substantiate my claim, I have enclosed documentation of my FTC Identity Theft Complaints XXXX, which serves as compelling evidence that these accounts, inquiries, and collections are the result of identity theft and fraud. The negligence of EXPERIAN in safe guarding consumer data has enabled identity thieves to exploit my personal information. I expect immediate action to rectify this matter, with acknowledgment of receipt of this complaint and confirmation of the steps being taken to remove the fraudulent information. Failure to comply with this legal obligation will compel me to take further action, including escalation to the CFPB, Federal Trade Commission, and legal avenues available to protect my rights as a consumer.