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

We made a mobile deposit of {$2000.00} from XXXX XXXX to Bank of America on XX/XX/2018. Previous the hold was placed on the account until XX/XX/2018 for funds to be released. I spoke to Bank of America on on XX/XX/2018 because we received an alert advise of our account negative $ XXXX. I called Bank of America to verify was there an issue with the deposit and was advised the funds will be released on XX/XX/2018 due to XX/XX/2018 was on Saturday no funds will be released and XX/XX/2018 was a Holiday. As of XX/XX/2018 no funds released and no funds will be released until XX/XX/2018 due to the check needed to be validated extensively before the funds to be released to protect the bank and the customer. I was advised the next time for XXXX XXXX to issue an electronic payment through direct deposit because of the substantial amount of {$2000.00} but we have no way of telling XXXX XXXX  how to send the funds. This is unacceptable I am the customer and I pay monthly on the XXXX Policy through my job as a right I need further explanation what is the real issue at hand.
Product: Credit card or prepaid card

hi my name is XXXX XXXX on XX/XX/2020 ace flare closed my account with out prior notice they cancel my account soon as i got a direct Deposit from ssi and from my employer and now i cant pay my rent they said they was going to mail a check and never did she waiting on them to do so call them alot of and still did not get no where they closed my account for no reason at all
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate reporting of my charged-off account to the consumer reporting agencies. The account in question was charged off/written off on XX/XX/2018 ; however, you continue to report it as an active debt that is still owed. This reporting is not only inconsistent but also materially inaccurate for several reasons. 

If a charge-off exceeds {$600.00}, as is the case here, it is treated as taxable income, and a 1099-C should be issued. By continuing to report the account as an outstanding debt, you are creating a contradictory situationone that treats the same amount both as income ( for tax purposes ) and as a debt ( for credit reporting purposes ). This inconsistency must be corrected immediately. 

As a direct result of this inaccurate reporting, my credit score has been negatively impacted with the account status being derogatory. The incorrect information has also led to credit denials from other creditors, limiting my access to financial opportunities and adversely affecting my life. I expect you to take prompt corrective action to resolve this matter. 

Please confirm your receipt of this complaint and let me know when these corrective actions will be completed. I expect your timely response to avoid further damage to my credit standing. 

Thank you for your attention to this important matter. I look forward to your prompt resolution.
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. 


Account Name : XXXX Account NumberXXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name XXXX XXXX XXXXXXXX Account NumberXXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

on XX/XX/XXXX I contacted Bank of America about a Credit Card that was open without my authorization. I never requested or wanted any business with Bank America. The account is XXXX XXXX XXXX XXXX. I first received a notice of this card when I opened a letter from Bank of America with an Account Summary/Payment information showing a balance of {$7000.00}. It showed 4 purchases that I never made. I contacted Bank America immediately via phone on XX/XX/XXXX at XXXX XXXX  and spoke with B of A fraud representative named, " XXXX ''. He noted our conversation that I had never opened the account and he said he closed the account. I spent the morning contacting all three credit bureaus and sent a letter to B of A on XX/XX/XXXX with a letter sent Certified Mail Receipt number XXXX XXXX XXXX XXXX XXXX with a copy of the FTC Identity Theft Report XXXX with a copy of the California Drivers License and XXXX XXXX XXXX Police report number of XXXX. On XX/XX/XXXX I sent another Certified Mail Receipt letter ( XXXX XXXX XXXX XXXX XXXX ) with a copy of my CA Drivers License to B of A with an original 'Fair and Accurate Credit Transactions Act of 2003 ( FACT ACT ) Identity Theft Victim Request for Information
Product: Credit reporting or other personal consumer reports

I recently review my credit report and noticed an account that was not reporting accurately. I had XXXX late payments on an account that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments. Ive attached a copy of my report to the complaint on the following dates XX/XX/year>. I am now requesting you investigate and provide verifiable proof with records showing that I had late payments. If the information can not be provided I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> a certified notice with Tender of Payment of statement coupon was accepted for deposit, endorsed and sent to XXXX XXXX XXXX XXXX requesting him to perform his duties and credit the account, the notice included terms that if XXXX XXXX XXXX XXXX found any issues to the respond in writing within % days of receiving the negotiable instrument / tender of payment and if no response was given then aforesaid performance would be deemed completed. There was no response sent via mail by XXXX XXXX XXXX XXXX so the duties requested should be completed. I have since received an alert from the credit agencies stating that my account is past due which is inaccurate and even more a violation of my consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a {$4500.00} lim it on a Barclay 's Bank credit card and they capriciously lowered my limit {$500.00} with no notification. I was in the middle o f an important payment on  XXXX , which  was denied, throwing my accounting into chaos. They lowered my limit, then apparently used that reported event to lower my credit score, to justify lowering my credit limit in the first place. When I complained to Barclays, I was told that they can lower the credit card limit and do not have to notify me first.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 7th Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove these items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX Balance : {$2300.00} ; XXXX XXXX XXXX Balance : {$6400.00} ; XXXX XXXXXXXX Balance : {$1000.00} ; XXXX XXXX XXXX Balance : {$1300.00} ; XXXX XXXX XXXX LL Date of inquiry XX/XX/20XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX  Date of inquiry XX/XX/2020 ; XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX Date of inquiry XX/XX/2020 ; XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX Date of inquiry XX/XX/2020 XXXX XXXX XXXX Date of inquiry XX/XX/2020
Product: Credit reporting

I am filing this complaint because Trans Union has ignored my request to provide me with the documents that their company has on file, that were used to verify the accounts I have disputed. Being that they have gone past the 30 day mark and can not verify these accounts under section 611 ( 5 ) ( A ) of the FCRA they are required to promptly delete all information which can not be verified that I have disputed. Please resolve the manner as soon as possible. Thank you.
Product: Debt collection

We moved from our apartment in XX/XX/2014, we transfer all of our utility and was told by the companies that we were paid up on everything. Apparently we were not-We are in the process of trying to buy our home and we pulled out credit a few months prior today. We found a collection on our credit report from XXXX XXXX XXXX. They placed a collection on our credit in XX/XX/2014 for XXXX XXXX XXXX XXXX. This was a very surprising. We have never heard of this company, nor received paperwork from them or the electric company. 

I called and set up payment arrangements with them to take care of the balance, we were under the impression that the account would be removed from our credit report. But the company did not do that-we found out that they re-aged the account to reflect the payments, which made it look like it was a new account on our credit report. My wife tried to call them and she got two different answers from a collector and the supervisor. She was first told that they ( the collection company ) is not reporting the item and they we need to call the original creditor to get it remove. Then the supervisor stated that they report the payments on the credit and will update as need. We told them that we never received paperwork from their company and we were the ones that contacted them- Both the collector and the supervisor didn't have our correct address and we had to correct them twice. The supervisor stated that the company didn't get any returned mail so they are going to keep it on the credit. 
This is not right-I didn't know that I could dispute this debt, or have the right to talk to the original creditor. I still don't have a clue what months I was charged for-I didn't even get a chance to pay it and keep it off my credit report ( the supervisor stated that if the account was in there office over 60 days then they report to the credit companies ) When I paid the bill, I was not advised of any of these rights or that paying this account would re-age this account and lower it 25 points.
Product: Credit reporting or other personal consumer reports

In XXXX XXXX learned that my personal information was used to open several accounts I did not authorize. I immediately contacted XXXX, XXXX and TransUnion. All 5 accounts now are reporting closed but status is incorrect as they now show balances. 3 of the accounts are reporting late/past due. I am a victim of at least two data breaches and identity theft. I closed the accounts in question immediately. They were not delinquent. None of the accounts were reporting balances. I contacted XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX  XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I sent supporting documents. 
I enclosed is a copy of my Identity Theft Report, a police report and a copy of my credit report showing the fraudulent items related to each company that are the result of identity theft. Ialso enclosed a copy of the CFPBs Notice to Furnishers of Information. 
I asked each company involved to investigate this matter, absolve me of all subsequent charges, take the steps required under the Fair Credit Reporting Act and send me a letter explaining all findings and actions.
Product: Debt collection

XXXX XXXX XXXX ( CCS ), as reported to the credit reporting agency that I have a debt with XXXX XXXX. CCS has not provided any documentation to support their credit action. I have had no written communication from CCS that verify a debt owed, and in fact we have written evidence that no debt is owed. CCS has reported to XXXX without cause. I have no evidence of any debt with my current personal insurance company. 

I am a current insured of XXXX. I have contacted XXXX 's agent XXXX XXXX of XXXX XXXX XXXX in XXXX CA ( see attached ) to research any outstanding debt that I may have. She returned that based on her research of all policies I have had with XXXX that I have no debt. 

I provided the email to XXXX. XXXX returns with a simple reply that the debt has been verified. However, no one have provided any proof that I owe anything. And, I have a written statement from a XXXX Agent that I don't owe them anything. 

The lack of evidence by CCS and the unwillingness of XXXX  to insist that CCS provide documents to prove a debt infers fraud. We would like this absence of transparency to be handled by your firm.
Product: Mortgage

Wells Fargo is the servicer of my loan. I have tried for a remodification 3 times. They always ask for me to resend and update information until I am exhausted, they promise that if I get everything in, there 's a good chance, but in the end, they always find an excuse not to give it to me. In the current application for remodification, I was told that I need a higher income. I told them that I had rented out my rooms in the past and had to get rid of my renters when I could n't afford the payments and tried to sell my home. So an executive that would n't give me his name said that if I send in proof of rental income, I will get my remodification. I sent it all in in XXXX 2015. Since then I have called and called. They are doing the same thing by requesting more and more documents that I have already sent them, and it has been 4 months without an answer. They are crooks! 

In addition, this XXXX they locked me out and barred me from my own home when I was XXXX payments overdue. We did n't even go into foreclosure, no judgements made, and they came to my home and had a contractor steal my orchids, disconnect my plumbing, dirty my carpets and more. I had just spoke to they attorney about moving back in after trying to sell it and having no luck because I owed too much to pay off the loan. After fighting with them over the phone, they returned my key, but never replaced or compensated for damages and stolen items.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX I had set up a FORBEARANCE for my student loans with XXXX. They had told me about a program they hard that would base my monthly payment from my income. So I agreed to the program, and they told me to fill out the information for the program from a package they were going to send me in the mail. Months had went by and I continuously called the customer service telling them about the packet that had not came in the mail. They kept telling me to remain patient and that it would be there. I didn't receive the packet until the summer of XXXX. After I filled out the packet and returned it back to XXXX I was accepted into their program. The problem that I have is on my credit report there are two times, XXXX of XXXX, and XXXX of XXXX, that both show 90 days late payment and that is false information. I was continuously on FORBEARANCE until I was accepted into their income program. I first called XXXX about this and they agreed they would make the necessary changes and never did. Now recently they gave my account over to a different company, DEPT OF ED/ AIDVANTAGE. I contacted them about this situation, and they have refused to honor what I was promised by XXXX. I have wrong and inaccuracies on my credit report and it is hurting my credit score, and they are not doing anything to fix this wrong.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance : {$380.00} XXXX  XXXX Balance : {$20000.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX  XXXX  XXXX Balance : {$0.00}
Product: Debt collection

I have been fighting the have the erroneous debt attached to my credit report removed for years. In an attempt to comply with the consumer protections laid out in the FCRA I sent multiple communications to XXXX XXXX XXXX requesting the alleged debt be validated or removed from my file. Specifically : On XX/XX/XXXX17 ERC Reports to collection agencies a collection for XXXX in the amount of XXXX On XX/XX/XXXX17 I send ERC a Debt Verification Letter requesting a response within 30 days - On XX/XX/XXXX17 Debt validation letter was recorded as delivered and received by the USPS and on  XX/XX/XXXX2017 I sent a Failure to Comply Letter, requesting the account be removed. 

- On XX/XX/17 I received a " notice of rights '' letter, that stated, " Your account has been placed in a hold status and that collection efforts have ceased at this time. 

- On XX/XX//17 I sent a final request to have the account removed from my profile, as it was still being erroneously reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I filed a dispute with XXXX and XXXX about me not having any knowledge of account with Macy's/DSNB, I received the outcome from the dispute stating that the account is valid. I have been a victim of identity theft going back to XXXX, and the statement I issued to each and every credit bureau seemed to have been ignored and credit was issued under my identity. I have submitted several police reports and I also filed an complaint with the federal trade commission about this matter and the credit bureau and/or company have not did its jobs as to investigating my concern throughly and removing the item til this day.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Product: Payday loan, title loan, or personal loan

The Original loan amount was {$1000.00} which I have paid back. But the interest is several thousand dollars and there is no way I can pay that and every single day the interest charges go up by hundreds of dollars
Product: Money transfer, virtual currency, or money service

XX/XX/2022 caller ID said Wells Fargo so I answered and the voice on the other end said they were XXXX with Wells Fargo fraud department. He said someone named XXXX XXXX was trying to use XXXX to transfer {$3500.00} from my checking account. He asked if I knew XXXX XXXX said no. So he had me log into my account to check they hadn't stolen my login information. Once I was in He walked me through XXXX to see if XXXX was a recipient. When I said he wasn't he made it sound like he was responsible for removing him. Then he walked me through what he said would cancel out the fraudulent transfer by sending a {$3500.00} transfer to Wells Fargo. Something clicked when asked for the transaction reference number, so I hung up and called Wells Fargo fraud direct. They took my info and filed a claim. XX/XX/2022 I received a letter saying that the transfer had gone through and there was nothing they could do. They had contacted the financial institution on the receiving end and asked for the money to be returned but there was no guarantee and that I could also try contacting the scammer and asking for my money back. My claim has been closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I hold a credit card with Capital One, Visa Card since around XX/XX/XXXX, credit card number XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, I had paid my credit card ontime, all this years ontime. So, regarding this incident, I paid the balance on this credit card, on the day the payment was due, and they stated that it was late, but was never late, there must has being a computer error on their system. I always have problems with their online system, wether try later, or system is not available, or where I had made payments on the past, and they payment never posted. So I was under the impression that the payment was processed on time, until I got a notification from XXXX XXXX  ( I have a service with them, they notify me when there is a change on my credit report ), that XXXX had put a late payment on my credit report. I disputed this mistake with XXXX and they removed it, however ; a few weeks later it did appear again, then I disputed the error again and in 2 days after my second dispute they sent me an email that the late payment remained on my XXXX  credit report. I have had perfect credit for so many years, I need my good credit because I'm always looking for real estate deals, but this mark on my report is really hurting me financially. I had maintain an excellent credit record for yeas and I don't think is fair that Capital One refuses to update my credit report, I called and I was transfer to some one in XXXX or some XXXX country, and all they said is for me to dispute the item with the credit bureau, but no other info. was available. I really hope this can be taking care of ASAP. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a call from a student loan company stating about a debt I owed. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave any one consent to open. Please delete these items from my accounts as soon as possible. XXXX XXXX XXXX XXXX XXXX {$270.00} US DEPT ED XXXX {$3800.00} USDOE/XXXX  XXXX {$17000.00} XXXX XXXX {$760.00} XXXX XXXX XXXX {$950.00} XXXX XXXX XXXX XXXX XXXX {$1600.00} XXXX XXXX XXXX XXXX XXXX {$17000.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX XXXX {$0.00} XXXX XXXX XXXX {$1600.00} XXXX XXXX {$4700.00} US DEPT ED XXXX {$2500.00} US DEPT ED XXXX {$4500.00}
Product: Credit reporting

I have repeatedly disputed false inquiries on my credit report with Equifax while sending proof that the original creditors either have no record of my inquiry or that I have received no response from the original creditor. After numerous calls and escalations Equifax has failed to remove these false inquires. Please uphold them to their jobs.