23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Equifax are still reporting inquiries Ive disputed. They recently removed some but failed to remove one from XXXX XXXX on my XXXX  report and XXXX XXXXXXXX XXXX  XXXX and XXXX from Equifax. 

Also Equifax is showing a new collection account from XXXX that I have no knowledge of. 

Equifax is also reporting my balances on specific accounts incorrectly with XXXX XXXX, XXXXXXXX XXXX   XXXX XXXX XXXX, XXXX XXXX and XXXXXXXX XXXX. These accounts have not had balance increases and should reflect balance decreases as they do with the other credit bureaus such as XXXX and XXXX. Equifax continuously reports late information.
Product: Credit card

On XX/XX/2024 I got a text from XXXX XXXX XXXX thanking me for applying for there card. I did not apply for a card there or anywhere. Next I got a hard inquiry on my credit. I called target and explained that I didnt apply. Target told me to contact XXXX XXXX  XXXX. Next I froze my credit on XXXX. Filed a dispute on XXXX XXXX
Product: Checking or savings account

Dear CFPB Team, I hope this letter finds you well. I am writing to formally report an issue I encountered with my bank regarding the transfer of funds needed to pay my mortgage in full. 

On XX/XX/year>, I attempted to transfer a total of {$230000.00} from my account to my mortgage lender to satisfy my outstanding balance. However, my bank did not permit this transfer, citing that its in there agreement they can not have transfer execute however they have allowed mortgage payments to come out of this account in a smaller amounts, this is the account I pay my mortgage every month. This denial not only caused significant stress but also jeopardized my ability to meet my mortgage obligations on time. 

I have reached out to my bank multiple times to clarify the situation and seek a resolution. Unfortunately, despite my efforts, I have not received a satisfactory explanation or solution. I believe this situation reflects a larger issue regarding customer access to their own funds and the responsibilities of financial institutions to facilitate transactions in a timely manner. 

I respectfully request your assistance in addressing this matter. It is essential for consumers like myself to have access to our funds, especially when fulfilling financial commitments such as mortgage payments. 

Thank you for your attention to this important issue. I look forward to your response and hope for a resolution that ensures fair treatment for all consumers. 

Sincerely, XXXX XXXX
Product: Debt collection

LVNV Funding LLB/Resurgent are trying to collect a debt that do not belong to me and is a result of identity theft. In their response they forwarded a copy of a billing statement from the original creditor as proof that the account in question is mine. This is not sufficient under the FCRA. And it proves nothing. I
Product: Checking or savings account

XX/XX/2022 I put an add on XXXX XXXX to sell a XXXX to cover cost for my sons upcoming school year. XXXX XXXX going by the name XXXX contacted me through messenger wanting to buy the item. She ask if I had XXXX, I said to myself, well yea through my bank which only used once. Through my bank=safe, I thought. She sent i a {$500.00} payment using the email XXXX. I received an email saying from XXXX, right away, it said my payment was pending but I had to ask for another {$400.00} from her/him to make my account that only had {$180.00} to be able to get my money. So I messaged her/him back and she sent {$400.00} so it was a total of {$900.00} and I had to send her back the {$400.00} in order for the {$500.00} to be credited to my Chase account. So I XXXX her what I had which was {$180.00} and was gonn send the other {$220.00} via XXXX. But my husband snooping around me mentions that it seems like a scam to me. And so I ask if she/he can send me the money back and we just go everything through XXXX or meet up because she/he said they lived close by and when I sent that message she/he never responded. I immediately called my bank for help and they tell theres nothing they can do. So now my account is in the negative and I just hate that this has happened to me!!!!!
Product: Credit card

Chase without my authorization or " hacking '' method redeemed from my Rewards account of XXXX points to give me a statement credit. 

Attempts to get feedback from Chase XXXX Customer Service were met with run around and pass to different focals with no answers. 

" We expect your statement credit to be applied to your account by XXXX/XXXX/17. 

Statement credits will reduce your balance but you are still required to make at least your minimum payment. 

Here 's your order confirmation : Chase previous FAILED to give me {$50.00} credit on chase XXXX XXXX - XXXX which I was pre-authorized to use. 

Order date : XXXX/XXXX/17 Order # : XXXX Total Rewards Used : XXXX Points ''
Product: Credit reporting, credit repair services, or other personal consumer reports

The company allowed someone to add my husband onto their credit card account as an authorized user without his knowledge or consent. We have no idea who the account holder is or how this happened. It is preventing us from moving forward on our mortgage loan. I spoke with the office of the president at Barclays Bank and they provided me with a letter stating that I have been removed from the account. However the credit reporting is still on my credit report and they are unwilling to electronically correct this error and remove the account entirely from my credit report until the normal reporting date of the  XXXX . THIS IS PREVENTIN G US  FROM APPLYING FOR A MORTGAGE AND IT NEEDS TO BE REMOVED IMMEDIATELY!
Product: Credit reporting, credit repair services, or other personal consumer reports

I bought a copy of my credit report and noticed alot of inaccurate information on it. I disputed the information and the Credit Bureaus stated that my account was properly investigated but how is that possible if the open dates are inaccurate, the date last active is inaccurate, and the date last reported is not accurate. This is grounds for removal. They also violated my rights under 15 U.S.C 1681 section 602 A. states I have a right to privacy. 

15 U.S.C 1681 section 604 A section 2 : It also states that a consumer reporting agency can not furnish a account without my written instructions.
Product: Checking or savings account

Bank of America, unilaterally took funds from a personal bank account to settle what they alleged was an outstanding debt on business loan. They had no permission to do so and no personal guarantee. They said they had such a guarantee but could not produce the proof of such and then said that they reserve the right to breach my personal funds regardless. None of which is true or lawful. I've tried for the last 3 years to get them to return the funds.
Product: Vehicle loan or lease

I purchased a car from US auto sales in XX/XX/XXXX. I was paying extra for an extended warranty and gap insurance but when my car was totaled in XX/XX/XXXX, they stated they can not find my contract and my coverages were voided. US auto sales eventually closed down because they were not paying the warranty contract to the companies they were through. Now I am stuck still owing a car that its totaled and can not get another car because it is showing on my credit report. Meanwhile they have sold my contact and I am still required to pay for a voided warranty
Product: Bank account or service

I now have a negative balance of over {$200.00} a check was posted to my account for {$86.00} Wells Fargo then decided to charge an overdraft fee for a {$7.00} debt which set in a charge of {$35.00} of which set my {$86.00} into a negative of which they charged a {$35.00} fee for that then they reversed my check of which set off yet another {$35.00} overdraft charge I am annoyed with these fraudulent charges and practices
Product: Credit reporting or other personal consumer reports

There are clear inaccuracies on my credit report regarding certain accounts.
Product: Checking or savings account

Hello, I began banking with XXXX XXXX in 2017. Recently, I have noticed overdraft fees that seem unclear to me, particularly with ATM withdrawals and peer-to-peer transactions. While reviewing past bank statements, I discovered discrepancies that I overlooked previously as a loyal customer. I kindly request a thorough review for any mistaken charges and a possible refund. Thank you.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act 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 has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to my privacy.

15 U.S.C 1681 Section 604 A. It also States a consumer reporting agency can not furnish a ( an ) account without written instructions.
Product: Checking or savings account

I was away on a birthday trip to XXXX with family and lost my coin purse that held my debit card and my I.D card. Reported it lost when i got back home to Maryland a day later and closed the card down. Bank of America was supposed to send out a new debit card and in the mean time i went into the branch to withdrawal some cash and on the receipt was a huge balance of XXXX i assumed it was some sort of mistake and assumed it would be fixed immediately. Days later i called the banking center and found out about the fraud on my account and i closed my account out. I informed them of me losing my coin purse again and did a full investigation only for Bank Of America to find me at fault. How could i know me losing my card would result in this mess. I have since NOT been able to open any kind of accounts because of this mishap.
Product: Credit reporting, credit repair services, or other personal consumer reports

My urse was stolen several years ago, and someone started opening accounts in my name. I went to the police and did everything they told me to do to correct everything. I've been back and forth with these ppl for a few years trying to get these things off my reports. However, they are still reporting 2 items and a few inquiries that aren't mine. Please do something to help me get them off.
Product: Credit card

Had to get some dental work done so the dentist referred me to this Care Credit card that they were advertising on the counter there was no talk about interest on top of the high Bill as it was after paying XXXX years on it the bill is higher then what original total was all these years later now they are trying to garnish my checks for a XXXX total turned into XXXX
Product: Credit card

On XXXX XXXX, I received an email from Bank of America because there was suspicious activity on my Credit Card. Someone had made a purchase for {$400.00} at a XXXX XXXX XXXX, MA. A second large purchase was attempted but declined. I informed a representative from Bank of America that the charges were indeed fraudulent. The charges were reversed from my account, the card was cancelled and my wife and I received new cards in the mail. 
Over two months later my wife and I shopped at XXXX and spent {$140.00XXXX. After checking out we realized that XXXX of the items we purchased was something that we did not need so we returned it and got a credit for {$29.00}. 
On XXXX/XXXX/15 a charge appeared on my statement for {$29.00} with the description " Fraud Dispute. '' I called Bank of America Credit Card Services and they informed me that it was decided that the charge was not fraudulent. I protested and upon further investigation and explanation, the representative told me that the charges were done by the computer system because it assumed that the merchant was issuing the credit ( for the fraud ) and they were taking back their credit. 
I stated that these stores were not even in the same area and that the amounts were not even close. The representative informed me that that was simply how the system worked. I caught this because I am someone who monitors my finances very closely and I fear that a lot of other people would not have caught it. I also question that if I return and other purchases from any XXXX that the credit I will get will be reversed by the Bank 's system. In the end the bank did agree to reverse the charge. I still however consider this a fraudulent business practice by Bank of America Credit Card Services.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ran a credit report on XX/XX/2018. It showed delinquency to XXXX XXXX and XXXX XXXX XXXX credit cards. I called the XXXX XXXX and XXXX XXXX XXXX credit department on XX/XX/2018, both companies can not find that closed account and advised me to dispute it to Experian. I called Experian the same the day and filed the dispute. 
Today XX/XX/2018, I received an email that the results are ready then I called Experian to get the results since the online service is not working. Experian took-out the report from XXXX XXXX and kept the XXXX XXXX XXXX Credit Card, they said that XXXX XXXX XXXX responded that the report is accurate. I immediately called the XXXX XXXX XXXX and checked about the closed account account based on Experian Report but still they can't find it under my SSN. Now, I don't have any other resolution but to file this complaint to get a thorough investigation and remove that XXXX XXXX XXXX Credit Card record in my credit report if found that its not my card.
Product: Checking or savings account

On XX/XX/2023 an unauthorized transaction of {$5300.00} appeared on my checking account. The transaction was named as 'XXXX XXXX XXXX XXXX '. I inquired the bank ( Bank of America ) about the fraudulent transaction claiming I didn't authorize such transaction and I have no accounts associated with XXXX XXXX. 

The following next day, another transaction of {$25.00} appeared on my checking account this time via XXXX under the name 'Child gift ' or E-gift. I contacted the bank about this transaction too. At this time, I realized that someone indeed has access to my login credentials or my debit card information. I deactivated my card and told them to send me the new one. 

Few days later I received a temporary credit for {$25.00} ( for 2nd claim of {$25.00} ). Following next day, I received an email for my first claim of {$5300.00} stating that they were not able to refund the amount. They listed four reasons that helped them for such decision one of which says that the payment was done through previously used device. I am confident that I am aware of all my devices and I would think twice before making such a huge transaction provided that my bank balance has never exceeded the total of {$6000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting old XXXX accounts with a XXXX balance to my equifax and XXXX credit reports that should have been removed after loan rehabilitation was completed on the accounts in XXXX of last year. These listing are also reported to the credit bureaus as duplicate accounts often, which significantly negatively impact my credit score and prevent me from renting a home for shelter and opening new lines of credit.
Product: Student loan

I have had a great deal of problems with the lender Navient in the recent year. Last year if you look at my history they charged the wrong bank account and it was a big debacle getting things squared away, it took close to 6 months. Anyways, they are at it again and are taking payments but XXXX is being applied to my balance. My balance is going up monthly and I am making payments. This should n't be happening. I am keeping a detailed record on XXXX spreadsheet of each loan and the payment allocated whether principal or interest and this past month my total balance went up. I also had a payment applied that did n't do anything to a loan. I also believe they are n't applying correct interest rates and are double dipping into my account.
Product: Credit card or prepaid card

Hello, I have been trying to get this issue resolved with XXXX and XXXX XXXX. Someone applied for an XXXX credit card using my name, address and social security number around XXXX XXXX XXXX. I never received any paperwork in the mail, and they informed me that the card application was denied. They refuse to give me more information on the application. This is not fair to me as a consumer. I really would like this investigated. I do not know what to do at this point. 

Best, XXXX
Product: Mortgage

In late XXXX I applied and was approved for a COVID-19 Forbearance Plan. Then XX/XX/XXXX I was sent out a from Quicken Loans stating the Forbearance Plan offer was withdrawn and that foreclosure process will begin. Then to add insult to injury on XX/XX/XXXX I receive a late payment notice. 

Note : they checked my credit history without my consent.
Product: Credit reporting or other personal consumer reports

Subject : Request for Correction of Inaccurate Late Payment Reporting Pursuant to 15 U.S.C. 1681e ( b ) Dear XXXX Customer Service, I am writing to formally dispute an inaccurate late payment reporting on my credit report. According to 15 U.S.C. 1681e ( b ) of the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies are required to maintain the maximum possible accuracy of the information they report. The late payment entry associated with my account is incorrect, and I request its immediate investigation and removal to ensure compliance with federal law.

The inaccurate reporting details are as follows : Creditor Name : XXXX XXXX XXXX Account Number ( if available ) : XXXX Reported Late Payment Date : XX/XX/XXXX, XX/XX/XXXX This incorrect reporting is causing unjust harm to my credit profile, and I demand a prompt investigation into this matter. Please verify the accuracy of this information with the creditor and provide me with documentation supporting the validity of this late payment. If you are unable to obtain verifiable proof of its accuracy, the information must be removed from my credit report immediately.

To assist with your investigation, I have enclosed : A copy of my credit report highlighting the disputed item A copy of my identification for verification purposes Please correct this inaccurate reporting as required by law and provide written confirmation of the results of your investigation within the time frame outlined in the FCRA. Should you fail to comply, I am prepared to escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ) and other relevant regulatory authorities.

I look forward to your prompt response and resolution of this matter. You may contact me at the information above should you require further information. 
Sincerely, XXXX XXXX XXXX Enclosures ID Proof of Address XXXX  FTC
Product: Checking or savings account

I am not sure if you are aware, but VyStar CU in XXXX, FL system has been down or not working for over a month now. They converted to a new system ( XXXX XXXX they purchased the company that they converted everyone 's ' account. Since then transactions have either been missing or unable to be identified on-line. 

I tried to access my account on multiple occasions, there is a waiting que for on-line. At one point, I was in line and my number was # XXXX, This took over 2hrs to get into their system and then it kicked me back out after waiting for over 2hrs. 

I called last week I believe it was Thursday, XX/XX/XXXX and ask that they send me via email a copy of my XX/XX/XXXX statement, because when I access it on-line only part of the month is listed. I can't even access their mobile app. even though their system says it is working... 

People have gone into the bank to get access to their account, people has waited in line over several hours or in drive through for hours... They keep telling everyone that it will be up and running soon, however to no avail. 

I accessed my account today and the same information, it does not show any transactions before XX/XX/XXXX. I have called to try and get them to help, but they advised that they site is " limited '' to what they can provide.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately, i had two late payments on an account that 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 i've attached a copy of my report to this complaint on the following dates XX/XX/2024 and XX/XX/2024 i'm now requesting you investigate and provide verifiable proof with records showing that i had late payments. if this information can not be verified i demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent a validation letter to   XXXX   XXXX   XXXX   and   XXXX   XXXX   and neither company has responded within 30 days. The letter that I sent to both agencies goes as follows : To whom I t May  Concern : I am writing this letter in response to the phone call/letter received from you on ( Date ). In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt that you talked of earlier. Please note, this a not a refusal to pay, rather a statement that your claim is disputed and validation is demanded.  ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby reques t that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you.     Please provide me with the following : Agreement with the creditor that authorizes you to collect on this alleged debt The agreement bearing my signature stating that I have agreed to assume the debt Valid copies of the debt agreement stating the amount of the debt and interest charges Proof that the Statute of Limitations has not expired Complete payment history on this account along with an accounting of all additional charges being assessed Show me that you are licensed to collect in my state ; and Your license numbers and Registered Agent If your office fails to reply to this debt validation letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased.     Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge.     I did not receive anything from neither collection agency.   XXXX   keeps stating : " Account information disputed by consumer, meets FCRA requirements ''. This statement is untrue and these  XXXX  accounts need to removed immediately for they was never validated so clearly they are not verified.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the first time I have encountered identity theft. I have no idea who could have done this to me. As I pulled my report, I saw an outrageous amount of accounts under my name that are not mine. Please delete these items from my report. XXXX XXXX XXXX {$28000.00} XXXX XXXX XXXX {$140000.00}
Product: Credit reporting or other personal consumer reports

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