23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Bank of America Violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

I am writing to file a formal complaint against Bank of America, located at XXXX XXXX XXXX XXXX XXXX, DE XXXX, for its blatant violation of the Fair Credit Reporting Act ( FCRA ), specifically under sections 15 U.S.C. 1681s-2 ( a ) and 15 U.S.C. 1681i, among others.

Bank of America has inaccurately reported an account on my credit report as charged-off and closed by the credit grantor. However, this account was charged off and subsequently sold to a debt collector. Given that Bank of America no longer owns this account and has been compensated for it, the persistence of this data point and/or trade line on my credit report is incorrect and misleading. Furthermore, my successful court victory against the junk debt buyer further substantiates the inaccuracy of the data point and/or trade line. 

Additionally, the reported charge-off amount is erroneous. Prior to XX/XX/year>, I had made substantial payments towards this account, which are not reflected in the reported balance. This misrepresentation has unjustly impacted my credit score and financial standing.

Pursuant to 15 U.S.C. 1681s-2 ( a ), Bank of America is required to furnish accurate information to consumer reporting agencies and correct and update any incomplete or inaccurate information. Moreover, under 15 U.S.C. 1681i, as a consumer, I have the right to dispute the completeness or accuracy of information in my credit report, compelling Bank of America to rectify any inaccuracies found. 

Bank of Americas refusal to amend this inaccurate trade line despite my disputes and supporting documentation violates these FCRA provisions. This action not only harms my creditworthiness but also undermines the integrity of the credit reporting system. 

I request the Consumer Financial Protection Bureau to intervene in this matter and compel Bank of America to comply with its legal obligations under the FCRA, including the immediate correction of my credit report and any other relief deemed appropriate.
Product: Credit reporting or other personal consumer reports

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 

XXXX XXXX - XX/XX/XXXX The following inquiry was not and should not be reporting. 
XXXX - XX/XX/XXXX The following inquiry was not and should not be reporting. 
XXXX  - XX/XX/XXXX The following inquiry was not and should not be reporting. 
XXXX  - XX/XX/XXXX The following inquiry was not and should not be reporting. 
XXXX  - XX/XX/XXXX The following inquiry was not and should not be reporting. 
XXXX  - XX/XX/XXXX The following inquiry was not and should not be reporting. 

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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 ) ( a ) 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

I consumer XXXX XXXX instructed EQUIFAX to delete and block inaccurate information and a XXXX  XXXX account on my consumer report. EQUIFAX does not have my written consent or a contract with myself the consumer to furnish my nonpublic information. EQUIFAX states that they conducted an investigative report but will not show the contents of investigation in which must include interviews with neighbors and friends of consumer in which still will be inaccurate if not coming from the consumer. EQUIFAX is in violation of the Fair Credit Reporting Act 15 U.S.C. 1681b ( A ) ( 2 ) Permissible Purposes, EQUIFAX must delete inaccurate account and information of XXXX  XXXX according to the written instructions of myself the consumer. EQUIFAX can not get accurate information from a creditor on a consumer according to the FCRA and the CFPB. EQUIFAX is causing myself the consumer financial injury and will be held federally liable. This inaccurate information is not equitable to the consumer and is not allowed to show factual information or transactional history between consumer and creditor.
Product: Checking or savings account

Good evening, I opened Wells Fargo checking account # XXXX recently and was told I'd receive a {$400.00} bonus for doing so as detailed here https : XXXX. After completing the requirements I was not credited with the bonus due allegedly to receiving another bonus within 12 months, though this was not the case. Screenshot proving direct deposit attached
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I've made several attempts to address the fraudulent inquiries and accounts on my credit report, but they remain unresolved. These entries are not mine, and I am not responsible for them. They have caused significant stress and financial hardship. As a victim of identity theft, I may be forced to pursue legal action if this issue is not resolved promptly. These inaccuracies have hindered my ability to purchase a home and provide for my family, severely impacting my financial stability.
Product: Debt collection

I have spoken on the phone with this debtor a month ago and informed them that I have every intention on paying off the remaining debt over time, but I can't pay the entire amount in one lump sum because I am playing catch up with other bills at the time. I did verbally inform them that I can make chunk payments periodically to get the balance down until I'm in the position to pay off the remaining balance in one payment. However, I get calls from them every other day as if I wasn't already aware of the debt. This is a very abusive and aggressive tactic they are using to collect the debt and it's very aggravating. I am making strides towards paying off the balance but there is no need for this approach. Thanks, and hope to hear from you soon.
Product: Debt collection

On XX/XX/XXXX I received an email from CFPB about a debt I disputed because I was insured at the time and I had called the insurance company and told them about it and they told me there was an issue with paperwork and they never received a claim amount from the hospital. Eventually, they contacted the hospital during the process of me submitting a complaint to the CFPB and I was told I was not to repay the debt and the debt was taken out of collections and taken off my credit report. Now, over a year later, the SAME debt collection agency is calling about the SAME debt I already submitted a complaint about, for the same amount of {$1100.00} and for the same service and date back in XX/XX/XXXX. I spent a long while figuring all of this out and I am incredibly frustrated that as of XX/XX/XXXX I am now receiving more calls about the same debt that was already taken care of. I don't know what to do and I really need help! Please help
Product: Credit reporting or other personal consumer reports

This address does not belong to me and has been reported in error. Under the Fair Credit Reporting Act ( FCRA ) Section 611 ( 15 U.S.C. 1681i ), I am requesting an investigation into this matter and the immediate removal of this inaccurate information from my credit report. 

To assist in your investigation, I am including the following documents as proof of my current address : A copy of my government-issued ID ( e.g., drivers license ) A recent utility bill or bank statement showing my current address This incorrect address XXXX XXXX XXXX XXXX , IL XXXX is causing unnecessary confusion and does not accurately reflect my credit profile. I ask that you complete this investigation within the 30-day period required by law and provide me with an updated copy of my credit report showing the correction. 

Please notify me in writing once the correction has been made or if additional information is needed.
Product: Credit reporting, credit repair services, or other personal consumer reports

On, XX/XX/2018 I sent a letter disputing an account for XXXX XXXX XXXX in regards to the amount being reported incorrectly for one report as {$33000.00} & another {$36000.00}, as well as being charged off/collections. During this time XXXX failed to report my account was being reported, the letter was mailed on the XXXX of XXXX certified, signed for on the XXXX of XXXX, and a response was sent and received on XXXX.2018. I pulled all 3 credit reports for the next 60 days and a dispute was never recorded on my account. Per the FCRA & FDCPA a notice of dispute is to placed on any account disputed within 31days and XXXX XXXX XXXX violated these federal laws. No response was ever received after sending the letter requesting for this item to be removed due to these conditions.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To : Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Notice of Dispute and Request for Investigation of Inaccurate Information in Credit Report Dear Experian and XXXX, I am writing to formally dispute inaccuracies in my credit reports under the Fair Credit Reporting Act ( FCRA ), codified at XXXX U.S.C. XXXX et seq. Specifically, I am disputing the inclusion of incorrect addresses listed on my credit reports. 

Upon reviewing my reports from all three bureaus, I noticed that the following addresses, which are not associated with me or any of my accounts, have been inaccurately reported : XXXX XXXX XXXX ONLY reporting on EXPERIAN Credit File XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX ONLY reporting on XXXX & EXPERIAN Credit Files XXXX, XXXX XXXX XXXX XXXX XXXX ONLY reporting on XXXX Credit File XXXX, XXXX XXXX These inaccuracies violate my rights under the FCRA, including but not limited to : XXXX. XXXX U.S.C. XXXX ( b ) : The requirement to maintain accurate and up-to-date information in consumer credit files. 
XXXX. XXXX U.S.C. XXXX ( a ) ( 1 ) ( A ) : The obligation to investigate and correct disputed information within 30 days of receiving notice. 

As these addresses are not associated with me, their presence on my credit report creates an inaccurate representation of my credit profile, potentially impacting my creditworthiness and leading to undue harm. 

Requested Action Pursuant to XXXX U.S.C. XXXX ( a ), I demand that you : 1. Investigate this matter and remove all incorrect addresses from my credit file. 
2. Provide written confirmation of the completion of your investigation and any updates made to my report within the statutory timeframe of 30 days. 
3. Send me an updated copy of my corrected credit report free of charge, per XXXX U.S.C. XXXX ( d ). 

Additional Notice Failure to comply with the FCRA may result in the filing of formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and, if necessary, a private right of action to seek damages under XXXX U.S.C. XXXX ( willful noncompliance ) and XXXX U.S.C. XXXX ( negligent noncompliance ). 

I expect a prompt resolution of this matter and look forward to your response within 30 days of receipt of this dispute letter. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX : XXXX, XXXX
Product: Credit card

i have identified inaccuracies in my Experian Report that do not belong to me, indicating potential fraudulent activity. I have made diligent efforts to rectify this issue by engaging in written communication with Experian. Despite my attempts to address the matter through mail communications, Experian has been unwilling to comply with federal law and correct the inaccuracies. I am attaching proof of my attempts to resolve the issue through documented mail communications. This evidence highlights my commitment to rectifying the inaccuracies on my credit report and demonstrates Experian 's non-compliance with federal regulations. I kindly request your intervention in this matter to ensure the prompt correction of the inaccurate information on my credit report. Your assistance in resolving this issue is greatly appreciated, as it is adversely affecting my financial standing and integrity. 
Thank you for your attention to this matter, and I look forward to your guidance on the necessary steps to address and rectify this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit score dropped from XXXX to XXXX with XXXX  ( 62 points ) and XXXX to XXXX with Equifax ( 40 points ) in the matter of two days as a result of paying off a credit card account balance ( which was normally paid off on a monthly basis ) and closing that business credit card account for an entity that was being terminated. I was shocked, and contacted via telephone both XXXX and Equifax for an explanation of such a drastic decline. Both agencies could or would not supply an answer to my question. Both agencies transferred me to different departments for more information. Again, could not get an answer to my simple question of why, for closing an account that was no longer required, my credit score ( which effects even my insurance rates ) dropped so much. The answers where the same form both agencies, they said in essence : " many factors go into determining your credit score and we can not divulge how the score is determined. '' This answer is unacceptable. These agencies set benchmarks for banks, insurance companies, lenders, credit companies to determine what credit worthiness you deserve and your credit score determines what rate you may pay moving forward, even regarding car and house insurance rates. 

As a XXXX year old I've been eliminating my debts and the more I eliminate these credit agencies, with no accurate information on why accounts are closed are penalizing me. This is unacceptable and in a way discrimination against seniors who wish to not have outstanding debt. I have over a half million in bank accounts, and that does not include very positive home equity balance. But now I don't own a credit card ( have bank debit card ) and my credit score dropped like a rock.
Product: Credit card

On XX/XX/year>2024 an unauthorized charge was made on my account for the amount of {$1.00}, I saw this on the Citi mobile app, I disputed the transaction on XX/XX/year>2024 and was immediately credited the {$1.00}. On XX/XX/XXXX I saw another unauthorized transaction on my account made on XX/XX/year>2024 for the amount of {$320.00}, I tried to dispute on the citi mobile application and could not do it, I called the XXXX and reported the unauthorized transaction the Spanish speaking agent advised to immediately destroy the card and citibank costco anywhere bank would send a new card in the mail. Days passed and an e-mail was received to call back citibank and speak to an agent in the fraud center. The agents do not speak XXXX and a translator was used on the call that confused more than it resolved. After being asked questions about the use of the card, the agent said the decision would be sent out in the mail. I confidently thought that citibank costco anywhere card would credit my account for that unauthorized transaction. I received a letter in the mail stating that I was responsible for paying this unauthorized transaction because I provided my account number when the transaction was made. I did not make this transaction, I have previously made purchased with this merchant, the last being in XX/XX/year>2024. I called XXXX and asked why I would not received a credit for a transaction I did not make. I was transferred to about 4 to 5 agents no one would help me, while having a translator on the line. I was treated like an idiot, I felt lost and discriminated because I could not communicate with the agents, and the translator only made things worse for me. I clearly stated to the translator please I need the {$320.00} credited to my account, I did not make this transaction, the call lasted 49 minutes and there was no resolution to the call. The dispute was remade on XX/XX/year>2024, and there has been no credit to my account. The letter I received states that I will be reported to the credit agencies if I don't pay an unauthorized transaction made on my account, I feel threatened and coerced to pay something I did not authorize on my account, just to protect my credit and because Citibank Costco Anywhere card refuses to help me as a consumer of their credit card services.
Product: Student loan

A couple years ago we Navient to see how we could lower our monthly payment. We were told by multiple reps that we were on an interest only plan and it was going to change to a much higher payment. We were told on multiple occasions that there wasnt an alternative option until we finally spoke with a rep that was able to place us on an extended payment plan to lower our payment but said it would add 15 years to our repayment schedule. We were told there may be other options available but they would need to speak with the borrowers parents to discuss ( we were XXXX at the time and no longer dependent on our parents ). We were told that we could always change our plan at any time. In XX/XX/2018, we called in because our payment had increased by over {$50.00} in the past 2 years. The rep did some digging and came back only to advise us we were on a variable interest rate. We were never told we were on a variable interest rate plan until we called in XX/XX/2018. We never questioned it because our payments only increased by very small amounts. We asked if we could move to a fixed repayment plan and were advised its not an option unless we lower the repayment period ( and it would significantly increase our monthly payment ). The rep told us on XX/XX/2018 that our payment would never go higher than {$440.00} based on her calculations. As of our XX/XX/2018 payment, our payment was {$440.00} ( and was {$440.00} again in XXXX ). Our payments continue to increase and we fear it won't end. We are tired of being lied to and tired of being tricked to believe what this company tells us. I've attached our payments to this company over the past 5 years
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of aggravated identity theft. I ask that you RE-INVESTIGATE this matter and I demand to see proof with my signature on it that have on file for the account ( s ) listed. According to the FCRA, section 609 ( a ) ( 1 ) ( A ) you are required by federal law to verify through physical verification of the original signed contract. Also, note that if the company has file a 1099c and is continuing any kind of collection activity as defined under 31 U.S. CODE 3711 ( e ) should be reported by the IRS for fraudulent financial gain. Also, note there is a bankruptcy reporting that was said to been verified by LEXISNEXIS and XXXX I reached out to the bankruptcy court and their response to my letter was The United States Bankruptcy Court is not responsible for verifying or validating information from consumers ' credit file.
Product: Debt collection

I received a letter from Apple Recovery Services, XXXX XXXX XXXX, XXXX XXXX, IL XXXX on XX/XX/2022. They state in that letter I have to pay them over {$2600.00} for a debt I allegedly have with XXXX XXXX  XXXX XXXX XXXX. The truth of the matter is that I have never had a credit card with XXXX ever. I went into my credit history with all three of our major Credit Bureau 's to find that such a debt does not even exist nor does an account with XXXX XXXX  XXXX XXXX XXXX has ever been opened under my name for that matter. Apple Recovery Services is clearly a SCAM. - Thanks.
Product: Credit reporting or other personal consumer reports

This information is not only erroneous but is negatively impacting my credit score, which is unjustified. I am requesting that this matter be investigated thoroughly and corrected as soon as possible. Please provide me with a formal acknowledgment of this dispute and confirm that the necessary corrections have been made.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, and i am a victim of inacurate and false information reporting by credit bureaus. I have submitted claims many times with all attached documentarion regarding the claim and everything thats neccesary to resolve it including police report. Credit bureau did not help me and many times even ignored my claims. Please help.
Product: Credit reporting or other personal consumer reports

My credit report has items that have resulted from fraud which I never benefitted from. 
This is a defamation of my character and is incredibly insulting, my rights are being violated which is absolutely distressing. This is already reported to the Federal Trade Commission but it still appears on my report, what a disappointment, the very thing that exists to protect people like me yet nothing is resolved.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and notice several inaccuracies and unauthorized accounts/information reporting on my credit report. These remarks have been detrimental to my life and credit health.