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

After I received E-Statements from FNBO detailing a ~ {$20.00} balance due, I accessed FNBO 's mobile, which I used to make all previous payments on my FNBO card for the almost 2 years I used their services. The mobile app did not display any balance and, as a result, did not allow me to pay it. I accessed the mobile app multiple times in XXXX and XXXX attempting to find the balance that corresponded with my e-Statements. I was confused and assumed the e-Statements I received were a glitch or error. 

Prior to XXXX, at the end of XXXX, my phone and other cards were stolen while I was traveling in XXXX. After the theft, I called FNBO to ask if I could use the card while traveling. Instead of answering my question or helping, they froze my account on suspicion of fraud. The only way they would un-freeze the card would be if I did a bank ID, which I told them was impossible, given I was out of the country and would not return to the US until the middle of XXXX. I believe the freezing of the account could have had an impact on the failure of the app to accurately represent my balance. I also believe the timing of the freezing led to my confusion about the e-Statements being erroneous. 

FNBO 's records show that they sent me one email reminder to pay my credit card balance at the end of XXXX ( XXXX : an email reminder is not a notice of delinquency ) and letters in the mail after I missed the XX/XX/XXXX pay deadline. If FNBO had taken note and/or communicated to their collections department that I was out of the country they could have sent communications other then letters to my home address in North Carolina to notify me of my ongoing delinquency and need to pay. Given the error in the mobile app, I was under the impression that I had no balance to pay until my account was closed last week ( XX/XX/XXXX ). 

The effect of closing my account has had a disastrous impact on my credit score and has even caused my other lines of credit to decrease my credit limit with them. I had a perfect payment history with FNBO ( and all my other cards ) before this communication failure. Additionally, I paid significantly much more on my other credit cards during the period that FNBO reported me as delinquent. I was not willingly avoiding paying my ~ {$20.00} balance with FNBO - I was failed by multiple systems of consumer service and communication at FNBO and left in the dark about my small debt with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involve. This item is reporting late as reported in my XXXX and XXXX Credit Bureaus. Lets correct this immediately. The XXXX and XXXX Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.
Product: Debt collection

I was notified by my credit agencies that I had a New collection account posted. I was shocked because I've never had a collections account. I did research and noticed that the collection company " Enhanced Recovery company '' posted the account for the original creditor " XXXX ''. This specific debt they are referring to was discharged during my Chapter XXXX  no asset Bankruptcy in XX/XX/2015 and now 4 years later this company is illegally attempting to collect this debt and unlawfully posting this collections account to all 3 credit agencies. I've spoken to a representative and manager who showed not much desire to help me. I've attempted emailing them via their contact portal on the website and have not heard from them regarding their unlawful actions! Please help resolve this matter as it is affecting my credit very adversely!
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX. I became aware that my personal information was impacted the XXXX XXXX XXXX. I noticed unrecognizable accounts on my credit report with XXXX, Transunion and XXXX. I am asking that the following be removed : Inquiries : XXXX XXXX XX/XX/XXXX. Department of Education XXXX. Department of Education XX/XX/XXXX. XXXX, XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX. XXXX XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

Bank of America allowed numerous ATM debit transactions on an account that had a {$0.00} balance. Numerous withdrawals were made over a week period that exceed the daily ATM withdrawal limit and increased the account 's negative balance to just under {$8000.00}. This type of activity had never occurred on this account over the 5.5 years it was open. However, these transactions did not raise any red flags with BofA that led to a direct inquiry. 

When I called BofA on a recorded line and told them not to allow any further transactions, two additional withdrawals were made later that day for {$1500.00}. 

BofA had no explanation about how these withdrawals could have continued to happen with such a large negative balance. They had no explanation regarding how they performed their fiduciary duty to protect my assets. I closed my account. 

BofA reported Account Abuse to XXXX. I paid off the reported amount so I could continue bank with another bank. I am disputing my responsibility for the last {$1500.00} of withdrawals thru XXXX following my recorded call request to stop all further transactions.
Product: Debt collection

Ive reached out to Sa-vit collection agency multiple times beginning XX/XX/2021 in regards to this unverified or invalidated debt that they have been reporting on my consumer report and it has been well over 45 days and still I havent seen any response since Ive sent out the second follow up letter given them 15 more days to delete the item since theyre ignorance of my letters proves theyre admission of guilt And still nothing at all so I called the number enclosed in my original complaint and I was informed by the agent that this company has said I am not the one sending my letters and said a 3rd party credit repair service is and I find that extremely unprofessional and out right insulting that this company not is only reporting false, misleading, and inaccurate information to my consumer report but they also dont think Im capable or literate enough to learn and utilize my rights as a consumer and on top of that its causing me stress having this being reported because its slowing up my process of building my credit to obtain the things I need to move forward in my life. So I want this item removed immediately since I have sent out proper disputes in my own writing and still havent received a response and even further they have reported to the bureaus that I can not be located when the address I have sent my disputes from has been verified as my home address by all 3 bureaus so that is a lie, I am adding in my original complaint below to give a better understanding to whoever may read this complaint. 

sent out a debt validation request under the FDCPA, 15 U.S. Code 1692g ( sec.809 ) to SA-VIT Collection Agency on XX/XX/2021 and they have failed to respond to my request after given 30 days to remedy the situation in regards to the Account # XXXX After receiving confirmation via email that the request for validation was received on XX/XX/2021 I waited the remainder of the intitial 30 days given and now I have sent out a follow up notifying the agency that since they are still reporting this negative account on my credit report they are now in violation of the FDCPA and now subject to fines of {$1000.00} which I may collect from filing a claim in small claims court, and I intend to follow through with the suit if I do not hear back from them or see this account removed within 15 days. I also informed them that reporting invalidated information to major credit bureaus may constitute defamation of character, and I want this item removed immediately as it is preventing me from enjoying the benefits of good credit.
Product: Credit reporting or other personal consumer reports

I recently viewed my credit report, & I saw a recent inquiry which I did not apply for a credit card on XX/XX/2023, through capital one bank
Product: Checking or savings account

I am requesting assistance from CFPB to have Marcus XXXX  pay its promised {$100.00} bonus that I signed up for on XX/XX/2022. I have contacted the bank about this matter. The bank insists that I signed up for the promotion after I funded the account. But the fact is I signed up for the promotion as I opened the account and before it was actually funded. I am providing the screen shots to prove this ( the bank did not ask for any proof from me ; they just simply denied the bonus ). 

I believe the denial has to do with a systemic error on the banks part. When I checked my interest on XX/XX/2022, Marcus asked me again to sign up for the promotion. Just to make doubly sure I was enrolled in the promotion, I clicked on the bar to enroll. Now Marcus is insisting that I enrolled in the promotion on XX/XX/XXXX, not when I opened and funded the account on XX/XX/XXXX ( even though the attached screen shots made on XX/XX/XXXX show otherwise ), so I am not entitled to the {$100.00} bonus. I believe that Marcus intentionally sent a confusing promotion to me on XX/XX/XXXX to sign up again so that it could eventually avoid paying the bonus -- -a classic bait-and-switch tactic. 

Here are the facts : I signed up for the {$100.00} promotion on XX/XX/2022 following the prompts as indicated ( see attached ). 

The required {$10000.00} was sent on XX/XX/2022 to my new Marcus account ( actual amount deposited was {$10000.00} ). This balance was maintained in the account more than the required 90 days. 

I had no reason to believe that I was not enrolled in the promotion, because I followed all of the prompts online for the promotional offer on XX/XX/2022. 

I checked my interest on XX/XX/2022. Marcus sent an additional offer to sign up for the {$100.00} bonus. Just to make sure I was enrolled, I clicked on the button to sign up for a second time on XX/XX/XXXX. 

When the promised {$100.00} bonus did not pay out on time, I called Marcus customer service on XX/XX/2022 and spoke to XXXX in Virginia. I was told that I funded the account before I enrolled in the bonus offer. When I stated that I actually enrolled in the offer when I opened and funded the account on XX/XX/XXXX, XXXX, the representative said it would be investigated, but never asked me for proof of the screen shots I took as I opened the account. I was told I would hear a response in 1-3 business days.

A representative never followed up on my case, so I called again on XX/XX/2022. XXXX told the same thing I was told originally : that I funded the account before I was enrolled. He also did not want proof of screen shots of my original enrollment in the promotion on XX/XX/XXXX and was not interested in helping me resolve this matter. 

I am a senior living on a fixed income. It appears that Marcus deliberately set up a system to take advantage of vulnerable customers like myself so it could concoct a reason to use my money at a low interest rate for three months without having to pay out the {$100.00} promotion. Would CFBP please ensure that Marcus is actually delivering on what they had promised by having them pay out the {$100.00} promotion to me? Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account isn't mines. Identity thief. Submitted request on XX/XX/21, and XX/XX/21 and account still exist. FTC report number XXXX
Product: Debt collection

I received a letter from XXXX XXXX XXXX XXXX XXXX and contacted them. 
They have asked for my Bank Account Number and I will not give it to them. I told them I would get a Money Order to send them a payment, and they got abusive. I have hung up on them. I am only trying to contact them and this letter says they have a judgement. I have cancelled every credit card and opted out of new credit card offers. They overtalk you and will not listen. They call more than once a week. I have not sent them a letter yet to stop calling me. I do need advice on how to handle this situation. XXXX XXXX
Product: Credit reporting or other personal consumer reports

My EQUIFAX XXXX score is not showing on XXXX correctly. 

Despite my actual credit score being XXXX, Equifax consistently reports it as XXXX, using the same XXXX XXXX model they claim to utilize. This discrepancy is not only concerning but also damaging to my financial well-being and opportunities. 

According to the Fair Credit Reporting Act ( FCRA ), consumers have the right to accurate credit reporting. Section 1681e of the FCRA mandates that consumer reporting agencies must follow reasonable procedures to ensure maximum possible accuracy of the information they report. Equifax 's failure to accurately reflect my creditworthiness violates this fundamental provision. 
Furthermore, Equifax 's actions may constitute a violation of other relevant credit codes and laws, including but not limited to : The Equal Credit Opportunity Act ( ECOA ), which prohibits discrimination in credit transactions based on factors such as race, color, religion, national origin, sex, marital status, age, or receipt of public assistance.

The Consumer Credit Reporting Reform Act of 1996, which requires consumer reporting agencies to provide consumers with free annual credit reports and to investigate and correct inaccurate information in a timely manner.

It is evident that Equifax 's persistent reporting of an incorrect credit score is not only negligent but also potentially discriminatory. By artificially deflating my credit score, Equifax is impeding my ability to access credit on fair terms, thus undermining my financial opportunities and potentially perpetuating cycles of economic disadvantage.

Despite assurances from Equifax agents that the issue would be resolved, no corrective action has been taken. This lack of accountability is unacceptable and necessitates intervention from regulatory authorities such as the Consumer Financial Protection Bureau.

I urge the Bureau to investigate this matter thoroughly and take appropriate enforcement action against Equifax to ensure compliance with the FCRA and other relevant credit laws. Additionally, I request that Equifax be compelled to promptly correct my credit report to reflect my true creditworthiness and provide appropriate compensation for any damages incurred as a result of their inaccurate reporting.

Thank you for your attention to this matter. I look forward to a swift and satisfactory resolution to this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX. I received an alert from XXXX  Credit Bureau regarding a collection item on my credit report. I don't know who XXXX XXXX XXXX XXXX is, and no validation of this debt has been given to me. No original creditor was listed. I was not given a right to dispute letter, nor anything else regarding this debt at all. On XX/XX/XXXX, at XXXX I contact them and asked how they got my information and disputed the validity of the debt and asked them to remove this from my credit report. They are refusing. I should have 30 days to dispute this debt and I was not given any notice to activate my rights. Instead it was placed on my credit report. I've contacted the number listed on the report XXXX. They where unable to validate this account belong to me. I requested proof in writing.. I have also contacted XXXX XXXX, Experian, and XXXX  and disputed it. When I contacted XXXX XXXX at XXXX, I spoke to a Fraud Specialist, XXXX XXXX she informed me that a similar item showed up on my credit report in XX/XX/2015 and was disputed and removed. This is around the time I found out my SS # was used by someone other than me. I asked to speak to a Supervisor with XXXX XXXX. I spoked to Mrs. XXXX, and asked how can an item that was disputed and removed in XX/XX/2015 be placed back on my credit report. Once it is removed, it should be removed. I stated that I disputed it then because it was not mine, and it was removed but you placed it on there again. The Supervisor at XXXX XXXX did not remove the item. My credit score has dropped 75 points due to this and I have no control over it. I am in the process of buying my house and this is affecting me drastically and putting my dream of owning a home in jeopardy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX XXXX  and experian and XXXX regarding some charge offs and Bankruptcy on my credit report on XXXX. XXXX, and to this date XX/XX/XXXX, i have NOT RECEIVED ANY REPORTS OR ANSWERS TO MY DISPUTES. The 2 bureaus have not responded at all. this is a violation of the FCRA. XXXX is the only one who removed the inaccurate information. the reporting of this is also untrue. 
the date of last activity, date of last payment and payment is all wrong Bankruptcy XXXX XXXX XXXX XXXX  XXXX XXXX
Product: Credit reporting or other personal consumer reports

I was an victim of XXXX XXXX! i never had an apartment and I never opened an mobile phone account i been on my mother plan since i was in XXXX XXXX  I XXXX XXXX of 2022 i never had an apartment i am still livining with my mom!
Product: Debt collection

I HAVE NOTICED I HAVE MANY INSTANCES OF MISINFORMATION REPORTED ABOUT ME, EITHER THE MISINFORMATION STEMS FROM INACCURATE REPORTING, INCOMPLETE REPORTING, REPORTING OF UNVERIFIABLE INFORMATION, REPORTING OF INVALID INFORMATION, FRAUDULENT REPORTING OF INFORMATION, OR REPORTING OF INFORMATION I BELIEVE IS DUE TO IDENTITY THEFT. I HAVE NO KNOWLEDGE OF HOW THE MISINFORMATION STEMMING FROM THE ABOVE CAME ABOUT TO BE. I HAVE NOT AUTHORIZED MISUSE OF MY PERSONAL, FINANCIAL,  OR ANY INFORMATION. I HAVE NEVER TO MY RECOLLECTION RECEIVED ANY BENEFITS OF PRODUCT, SERVICES, OR OTHERWISE REAL OR IMAGINED DUE TO THE AFOREMENTIONED CAUSATIVE POSSIBILITIES OF MISINFORMATION. PLEASE PHYSICALLY VERIFY THE VALIDITY OF ANY AND ALL NOTATIONS, EVERY DATE, THE BALANCES AND CALCULATIONS, EACH ACCOUNTING RECORD, WHETHER REPORTED OR NOT TO INCLUDE REQUIRED METRO2
Product: Credit reporting, credit repair services, or other personal consumer reports

Under the new law effective XXXX XXXX,
2017 any public record must include name and address as well as social security number or date of birth in order for it to appear in your credit file. The credit Bureau has not updated the information and per the new law true bankruptcy listed does not include this information and should be deleted from my credit report. I disputed this item with XXXX, XXXX, and Experian and it remains on my credit file.
Product: Checking or savings account

Case XXXX Bank of America On XX/XX/XXXX I used a XXXX ATM in XXXX with my Bank of America debit card and when I requested XXXX pesos, the ATM interrupted me and did not give me any money. I did the same operation again requesting the same amount and this time it did give me the money. On other occasions it had happened to me that my app indicated that the withdrawals were in process, but this time it indicated that I had withdrawn twice, so in my app they appear 2 times XXXX dollars as well as 2 times the use of the ATM XXXX dollars as well as the cost of the transaction 2 times XXXX dollars. When I made the dispute the bank granted me the credit for XXXX dollars while the dispute was investigated, so on XX/XX/XXXX they informed me that there was no error because the transactions were made on different days and at different ATMs. But in my app and account statement they appear on the same day for the same amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company accessed my credit file with XXXX XXXX on XX/XX/2016, placing an inquiry on my file. I have attempted to dispute this item with the Credit Reporting Agency and with the company, requesting documentation to support their permissible purpose in accessing my file. They have failed to provide such documentation. Accordingly, pursuant to the FCRA, this inquiry should be removed from my file.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX I was trying to get another Chase card to report what my correct high credit limit was and current outstanding balance to get updated as I had paid it down. I could not get XXXX nor XXXX  to show my historical limit was higher than was reported and disputed that account # XXXX 1st # s. By mistake XXXX/XXXX deleted a different Chase account from my credit report. I had a Chase Card with Slate for over 10 years with the last payment being made in XXXX of 2015. This account had a limit of {$13000.00}. I Closed this account and paid as agreed. For some reason XXXX and XXXX dropped this card from my credit history. I HAVE NEVER DISPUTED THIS ACCOUNT as is it is mine and had a XXXX balance when I contacted my creditor/Chase Slate they said they NEVER delete accounts from credit reports. I asked that XXXX  put the account they removed back on my report and they said they can not because Chase is the one that deleted the card. Chase told me XXXX has it on my older reports and should accurately report it Chase can not do anything about reporting. I have proof of this card and that XXXX was reporting it now they will not put it back on my report and it has damaged my credit score.
Product: Student loan

Fedloan servicing has processed my income based repayment monthly payment in error. I have attempted to call and after 2 hours of 3 phone calls, they did not fix the problem. 1. My husband and I both use fedloan. 2. We file our taxes jointly. 3. His recent IBR was processed to a payment of $XXXX a month. 4. Mine was not processed and stated there was an error. I was asked to resubmit mine. Once I did and it was reprocessed, my payment doubled to $XXXX, as if my husband wasn’t paying his. 5. I need this corrected as a) I normally pay $XXXX a month, and b) my income has reduced, so it makes no sense for my payment to be increased.
Product: Checking or savings account

On XX/XX/XXXX Truist randomly closed my account claiming fraud. They have never contacted me or gave any info. They claim its related to a check... I explained that in the brand but Truist doesnt care. I loaned someone money and they made a payment to me. They accidentally grabbed their significant others checkbook. That check returned and I never touched those funds. She then wrote a correct check from her account and now Truist is holding my money XXXX. Its been nearly 3 months. There is no fraud except from the behavior on Truists part.