23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

Bank of America is at it again with their overdraft fees. I check on my account at least every other day. Sometimes I do not have access to a desktop and use my mobile banking to check balances and such. They have created a new trick which allows you to see your " account balance '' on mobile devices but apparently it 's not a true balance. I.E : the statement page shows a balance of {$25.00} but at some point over the last 24 hours unbeknownest to the customer, a debit will have hit the bank ( I know that occasionaly my auto bills will come a day or XXXX early without warning ). Bank of America hides this information on a page that is not available through mobile banking and even on the desktop is difficult to find. They then wait until they have extracted their {$35.00} fee to even send an alert giving the account holder no fair warning to be able to put funds in before the item causing the fee posts. I received an email at XXXX today, checked my account, showed an available balance of approx {$50.00} after the supposed insufficient item that triggered the fee but on their other page which is conveniently not readily available, it shows differently. This secondary tab also shows " available balance history '' and " statement balance ''. In other words, the balance that they give you ready access to through mobile and first sight on a desktop is completely different then what they claim your balance is. I.E : my available ending balance on the " hidden tab '' is $ XXXX but my statement ( what I can see when checking in on my mobile device and the first screen on my website ) is {$51.00}. They deliberately hide your true balance, do n't send notifications warning of insufficient funds until the middle of the day after they have already hit you with a fee and do n't give you opportunity to get funds deposited before taking their fee ( e.g XXXX sends an immediate alert and gives you 24hrs to deposit funds before charging a fee ). I have lost over {$100.00} with this sneaky practice over the last year. I am pretty diligent about making sure money is there to cover bills but occasionally a company will post early without my knowledge creating this nightmare. If I had visibility to it when it happened and had a chance to deposit funds, there would never be an overdraft fee but as usual Bank of America has found another way to steal money off their customers.
Product: Credit reporting or other personal consumer reports

Under the FCRA provisions below I did not receive any in regards to this law in the mail Under 1637 ( b ) of the F.C.R.A. a creditor must adopt reasonable procedures to inform the consumer by mail or delivered to the consumer not later than 21 days before the payment due date. I am requesting valid proof of this being done. I am formally asking for you to delete these items in the letter attached for non compliance Or I will pursue litigation for not being complaint on the previous dispute
Product: Payday loan, title loan, or personal loan

I filed a complaint through the CFPB and the company responded saying I contacted them on multiple occasions stating that i was going to settle and that is false I contacted the the first time stating i will pay in full if its removed off my credit report the guy said ok and i said i will need that in writing and i never received anything fast forward to thia year XXXX to be exact I called with the same agenda this time seeking a deal if possible with the money i had readily available at the time they told me they cant remove from credit it will so the payment as settled and offered a lower deal of {$330.00} but it was due XX/XX/XXXX or XXXX I asked the agent how does this benefit me with this being 4 years old and that negative will start the TIME all over meaning it will have a negative effect for another 7 years refreshing the 4 thats already over and i also stated i will pay the full amount to have it removed she said no i put in my complaint with the CFPB and their response was i called multiple times stating i was going to settle and thats a lie because i had XXXX XXXX XXXX for over a year fixing my credit so thats a complete lie for me to call when im paying a company to handle all credit issues and second wheres the proof its not helping me because you are believing their world over mine WHERES THE PROOF IF YOU CANT PROVIDE THIS YOU NEED TO TAKE OFF MY CREDIT REPORT ASAP
Product: Vehicle loan or lease

Date : XXXX XXXX Balance : XXXX My loan was sold and I was unable to get in contact with new owner. I reached out but the number that I was provided was disconnected.
Product: Credit reporting

An inquiry was made to my credit bureau in error from XXXX XXXX XXXX services. XXXX states they notified Equifax of this error and asked Equifax to remove. Equifax has not removed the inquiry. I disputed and was advised to contact XXXX. I have a letter from XXXX but Equifax will not accept the letter nor remove the inquiry. A consumer can attach paperwork to disputes for anything other than inquires or demographic information. There is also an address in XXXX SC on my credit report. I have not lived at this address, as its my mother in laws address.
Product: Credit reporting or other personal consumer reports

I have requested validation of proof from the creditor and experian as they did not honr my ftc request at all
Product: Credit reporting, credit repair services, or other personal consumer reports

I person used my information to open accounts without my consent. 
Police report was discovered, person was arrested. 
Accounts were fraudulently open.
Product: Checking or savings account

On XX/XX/XXXX I received an email from Bank of America stating a checking account in my name had been successfully opened.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance {$110.00}
Product: Debt collection

The company placed a collection on my credit report after I filled out their fraudulent package proven this account was opened fraudulently. I have asked and written letters to the company asking them to provide proof bearing my signature that I opened and agreed to the contract of these accounts that's where fraudulent opened in my name Which they have not replied nor have they sent any contact or paperwork bearing my signature showing I agreed to this contact Also they are reporting to XXXX that these accounts have been verified to be my account which in fact are false therefore they are reporting fraudulent and inaccurate information that's reporting on my credit report violationing the fair credit act section 611 ( 1 ) ( a )
Product: Debt collection

My son XXXX XXXX XXXX XX/XX/XXXX was hospitalized a few months ago and my ex husband XXXX XXXX XXXX signed as the guarantor with his ss # for XXXX. Optimum Outcomes Inc has called me and harassed me for the debt when I explained they have my name and his address. In no way did I sign any papers taking responsibility. XXXX took him to the hospital and signed. I only was on the chart as emergency contact from his XXXX.
Product: Bank account or service

Chase is denying me my right to my funds and they do not want to give me access to my funds also I 'm in another state not my home and I need my money to get home and they are still refusing me the right to my money
Product: Debt collection

CREDIT BUREAU IS IN VIOLATION OF FCRA, METRO 2 COMPLIANCE, LOCAL AND STATE AND FEDERAL CONSUMER PROTECTION LAWS.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was looking at my updated credit report and noticed that there is an error that need to be resolved immediately! I feel like I am being taken advantage of. XXXX XXXX XXXX is reporting that I am 30 days late causing my credit score to drop. It is Defamation of Character and is something that I take very serious. I never made a late payment on this account and was a very good customer paying this loan off. I have tried to resolve this issue and I am not getting the help or response I need. My consumer rights are being violated and I will not allow this to happen. I did some studying on my rights granted by Congress and learned that this is a Billing Error. According to 15 U.S.Code 1666 ( b ) ( 2 ) - Billing errors caused by not providing documentary evidence as defined as 15 U.S.Code 44. Pursuant to 15 U.S.Code 44 documentary evidence include all documents, papers, correspondence, books of account, and financial and cooperate records which involve all derives, assignees, hypothecations in connection with my all caps name. I require the clarification in order to address the billing error for the alleged debt. I need to clarify who funded the account and how much is owed according to the journal and ledger entries from the date of open on this account as described in IRS Publication 583. The Credit Reporting Agencies are in violation of my consumer rights according to the Fair Credit Reporting Act. 15 U.S.Code 1681 ( 1 ) ( 2 ) - CRA 's need written instruction to make a consumer report by the consumer. It is a fact that I the " consumer '' never gave the credit reporting agency any written permission to furnish a consumer report. Without my written consent the consumer reporting agency is committing fraud by using my identifying information without any lawful authority to furnish this information on my consumer report. By definition identity theft is being committed. 15 U.S.Code 1681-2 ( a ) ( 1 ) ( A ) A person shall not furnish any information about a consumer if the person knows or has reasonable cause to be inaccurate. I the " consumer '' disputed the fraudulent accounts on my credit report and I have made it clear that this information is is inaccurate.The credit reporting agency proceeds to furnish this information without any lawful authority and is violating my consumer rights granted by the constitution. It is against the law to furnish information without my consent. Reporting this account as being paid late is causing me a great deal of harm. I will seek remedy if my issue is not resolved immediately.
Product: Mortgage

I am complaining about SPS telling XXXX XXXX XXXX XXXX to take my money and forcing me to do a short sale on my house. SPS has called me and set me threatening letters trying to force me to short sale and relocate. They started on a recorded line that they would look at my loan modification.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want the balance to be reflected correctly ALWAYS. This issue has been disputed in XXXX and Equifax at least twice now. They find that XXXX is incorrect and then amend. Then a month or 2 later XXXX bumps the balance up several thousand dollars again. Each time causes a big hit to my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked TD Bank disputes department to ask for a refund from XXXX which I subscribed on a trial bases on XX/XX/XXXX for {$3000.00} US, a week later a came to the conclusion that the service di not meet my needs, and asked XXXX to get s full refund, they agreed. two weeks later I also asked TD bank disputes department to help me collect the {$3000.00} us, finally beginning of XX/XX/XXXX, they refunded {$1600.00} only the remainder of {$1300.00} us, more than a year later I'm still waiting. 

TD Bank closed the dispute when XXXX still had not refund the outstanding {$1300.00} us. 

See email from XXXX " The dispute was waivedin your favor, thereforewe no longer have your funds. We highly suggest reaching out to your financialinstitution since we no longer have your funds ''. I called TD bank many times, but they never gave me an explanation as to WHY THEY CLOSE THE CASE WHEN THERE WAS ANOTHER {$1300.00} NOT REFUNDED. 
TD Card Services, Dispute Department Case Number- XXXX If you need more info please advise. 
Thanks.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding the delayed removal of fraudulent items from my credit report. It has come to my attention that despite repeated requests for expedited action, the fraudulent entries remain on my report, causing severe distress and impeding my financial security. 

As a victim of identity theft, I understand the urgency of removing these inaccuracies swiftly to mitigate any further damage to my creditworthiness and reputation. However, despite providing all necessary documentation and evidence to support my claim of fraud, the process of removal has been unnecessarily prolonged. 

The continued presence of these fraudulent items not only undermines my financial stability but also exposes me to potential risks and liabilities. I urge your agency to prioritize the immediate removal of these items to safeguard my financial interests and restore the accuracy of my credit report. 

I request that you expedite the investigation process and take all necessary steps to ensure the prompt removal of the fraudulent entries. Additionally, I expect clear communication regarding the progress of the investigation and a firm timeline for resolution. 

Furthermore, I demand compensation for any damages or losses incurred as a result of the delayed removal of these fraudulent items. The prolonged delay in addressing this matter has caused significant inconvenience and hardship, which must be rectified promptly. 

I trust that you will treat this complaint with the seriousness it deserves and take immediate action to resolve the issue. Failure to do so will leave me with no choice but to escalate this matter further and seek legal recourse to protect my rights and interests. With this, I am asking for your assisstance to remove these fraud items in my credit file : XXXX  XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$270.00} XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX : {$270.00} XXXX  Original Creditor XXXX XXXX XXXX XXXX  Balance : {$310.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$270.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$270.00} XXXX Original Creditor : XXXXXXXX XXXX XXXXXXXX Balance : {$310.00}.
Product: Checking or savings account

Checking account was opened fraudulently under my name on XX/XX/2022 at TD Bank. I informed bank and bank has closed account.
Product: Credit reporting or other personal consumer reports

As a consumer I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 usc ( 6 ) ( B ) ( iii ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; by not later than 15 days after receiving a request from the consumer for that description.
Product: Credit reporting or other personal consumer reports

I was shocked this morning to find inaccurate accounts suddenly appearing on my credit report. I regularly check my report, and this time, out of nowhere, there were discrepancies. I even tried refreshing my browser, hoping it was just a glitch, but the errors remained. This situation has left me feeling uneasy, and I request that the documents I provided be thoroughly reviewed so I can have peace of mind.
Product: Credit reporting or other personal consumer reports

Companies inquired my credit report without my consent. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX Dear CFBP & XXXX, It has been over 90 days since I made my initial dispute against the fraudulent Late Payment notations on a few accounts on my XXXX credit report that are incomplete and inaccurate which are a violation 15 USC 1681e ( b ). 

You also violated 15 USC 1681s-2 ( a ) & ( b ). 15 USC 1681i ( 5 ) ( A ) ( i ) & ( ii ) Any person who fails to fix this matter will be held liable under 15 USC 1681n which is civil liability for willful noncompliance. 
Accounts list XXXX. XXXX XXXXXXXX XXXX XXXX  Account XXXX XXXX ( Fraudulent inaccurate unverified late payments ), delete late payments or entire account expeditiously because it directly violates 15 USC 1681s-2 ( a ) & ( b ), 15 USC 1681i ( 5 ) ( A ) ( i ) & ( ii ), and 15 USC 1681e ( b ) XXXX. JPMCB AUTO Account # XXXX ( Fraudulent inaccurate unverified late payments ), delete these fraudulent late payments from account or delete account expeditiously because it directly violates 15 USC 1681s-2 ( a ) & ( b ), 15 USC 1681i ( 5 ) ( A ) ( i ) & ( ii ), and 15 USC 1681e ( b ) Furthermore, I want to formally report that my identity was compromised because of the well-documented XXXX data breach. Attached are my credit report and the necessary documentation from XXXX confirming the theft of my personal information and their subsequent action to remove all fraudulent and inaccurate accounts from my credit report. I respectfully request that similar measures be taken by XXXX and XXXX to ensure the accuracy and integrity of my credit information. This request is in alignment with the Fair Credit Reporting Act ( FCRA ), particularly Section 609 ( e ), which mandates that credit reporting agencies must take swift action to rectify inaccurate or fraudulent information resulting from identity theft. Furthermore, the precedent set in the case of [ relevant case law ], supports the immediate rectification of such errors to uphold consumer rights under federal law. '' Once you have deleted the accounts from my credit report, please send me a copy of my updated report. 
Thank you, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

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

XXXX XXXX XXXX Original creditor : XXXX XXXX 15 U.S.C 1681 section 602 A. States that I have a right to privacy. 
15 U.S.C 1681 section 604 A Section 2 : It is also states that a consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting or other personal consumer reports

In XXXX, my servicing lender was transitioned from Dept. of ed Nelnet to Dept. of Ed. XXXX. 

On XX/XX/XXXX I checked my credit report as part of an exercise to begin purchasing a home. A lender noted that my student loans were duplicated and showed an active balance of over {$100000.00}. 

On XX/XX/XXXX I contacted XXXX and Nelnet, both student loan providers for FASFA. Neither claimed responsibility or the ability to resolve the duplication on my report. On XX/XX/XXXX I filed a Feedback case on studentaid.gov, case # XXXX. 

As of XX/XX/XXXX, I still have not received a contact back or any update on the status of my case what-so-ever. I am trying to purchase a home, but because of the duplication on my credit reports, I have been unsuccessful in getting friendly lending terms. 

There are hundreds of people like me reporting this as an issue on numerous website forums.
Product: Debt collection

Garnishment Shows 3 different accounts for the same garnishment with the same court case No. XXXX Writ of garnishment : Doc ID : XXXX shows paid {$4100.00} Doc ID : XXXX Shows paid {$2700.00} Doc ID : XXXX Shows paid {$120.00} same court case NO. XXXX on all 3 lien numbers. 

XXXX XXXX XXXX stated by letter he was not doing the case and it was sent over to Qualey law Group as stated by XXXX XXXX that the correction has been done and also stated by reply back from CFPB that its been updated in the courts and there has been no proof or court updates as I call the courts for updated information. there is also different amounts and not the correct amount showing for garnishment case XXXX I have a print out from XXXX showing XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX  {$120.00} for a total been paid of {$7100.00} There was error on XXXX XXXX XXXX has court credit giving for {$3000.00} in which the print out from XXXX XXXX XXXX shows {$3000.00} in which there was an error of {$43.00} was in error by XXXX XXXX XXXX There need to be correct amounts and not showing by XXXX XXXX as if I just started paying.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I complaint against XXXX XXXX XXXXXXXX for HAVING MY PROFILE FULL WITH RED FLAGS AND WITHOUT ANY PROOF to the OFFICE OF THE COMPTROLLER OF THE CURRENCY. XXXX XXXX XXXX answered to the OCC that the bank NEVER HAD REPORTED ME TO THE EARLY WARNING SERVICES AND THAT MY ACCOUNTS HAD ANY PROBLEM AND MY ACCOUNTS NEVER HAD HAD ANY RED FLAGS. These statements are FALSE because XXXX XXXX XXXX REPORTED MY FOUR ACCOUNTS AS FRAUDULENT IN EARLY WARNING SERVICES. I DISPUTED THIS FRAUDULENT INFORMATION TO EARLY WARNING AND I PROVIDED PROOF OF THE LIES WRITTEN IN THE XXXX XXXXXXXX XXXX REPORTS, HOWEVER, XXXX  XXXX XXXX ANSWERED THAT THEIR REPORTS ARE CORRECT AND ACCURATE, BUT WITHOUT PROVIDING ANY PROOF. EARLY WARNING SERVICES HAS ACCEPTED THIS FRAUDULENT STATEMENT AS REAL, AND EARLY WARNING DOES NOT WANT TO REQUEST PROOF OF XXXX XXXXXXXX XXXX 'S STATEMENTS, MAKING THIS REPORTS FALSE BECAUSE THEY CAN NOT ACCUSE ME OF BEING A CRIMINAL WITHOUT ANY PROOF.
Product: Checking or savings account

I have had over XXXX overdraft payments of XXXX some times XXXX in a row, canceling my account cause of it. poor oversight I want my money XXXX  totaling over XXXX $
Product: Credit reporting or other personal consumer reports

" Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation. 

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. XXXX XXXX  is the act of reporting any accounts without my written consent. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent. 

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file. 
"