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

I opened a checking account online with Bank of America on XX/XX/year>. The application was approved, my account was opened, I successfully sent funds to my account in the amount of {$100.00}, I signed up for online banking, I received my new Bank of America XXXX XXXX in the mail. Then sometime around XX/XX/year>, I tried to activate my debit card over the phone prompts, which was unsuccessful. I then tried to log in to my online banking again, to see if there was a reason I couldn't activate my debit card. I was unsuccessful with logging into my online banking as well. I called Bank of America to try to resolve the issues, Spoke with XXXX, XXXX told me my account had been closed. I asked why my account was closed, he said Bank of America was unable to verify my identity. I asked what part of my identity were they unable to verify. He said he didn't know. XXXX said I would receive a letter in the mail explaining why. I did receive a letter in the mail dated XX/XX/year>, however this letter doesn't explain what identity they were unable to verify. Bank of America could have sent me an email or message regarding information they needed to verify, in order to resolve this issue. I never received a call or letter or message regarding my identity. I called Bank of America again on XX/XX/year>, I spoke with XXXX. I asked XXXX what issues with my identity was the cause of my account closure. She said she didn't know what identity issue there was. She said she can not help me, she is only allowed XXXX XXXX on the phone with each customer, and she already exceeded those XXXX XXXX. XXXX told me she couldn't help me but I could request to speak with a XXXX or supervisor. I agreed and she transferred me to a supervisor named XXXX. However, XXXX was unable to answer my questions as well. XXXX advised me to come into a Bank of America branch, with several forms of identification, and they could possibly open another account for me. Why do I not have full disclosure regarding my financial account, with my confidential information attached, and my funds in the account. To this date, XX/XX/year>, I still have not receive a check for my funds of {$100.00}. This account closure process was ridiculous to say the least. Bank of America allows a customer to open an account online, obviously I won't be at a branch in person with my government issued ID. I never received an email or communication at all to resolve the issue, and I was in the process of setting up a direct deposit through my employer. Why are accounts being closed for unknown reasons? And if identity is an issue, why is Bank of America allowing online account opening? I am not going to visit a branch to open an account with Bank of America if this is how they conduct business. Also, this letter I received of my account being closed has a phone number listed in case I have questions ( XXXX ). This is the phone number I called, and no one could answer my questions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint on XX/XX/2019 for items that were incorrect on my credit report. The response received from the credit bureau, 30 days later was that the creditors were still working on the disputes. After 60 days the response was " The creditors have verified that this information is correct and we have accepted their response. '' How did they verify that it was correct? Did they send documents? Signed contracts with wet signature? There needs to be documented proof. I have asked for the process by which these accounts were " verified '' and to date, have not received anything. It's like the creditor just sends a response " verified '' and the credit bureaus take their word for it without documented proof. 

Listed below are the accounts on my Experian Credit Report that I am disputing. The information being reported is NOT true and accurate! Provide me with documented proof of the late payments, etc. 

1. XXXX XXXX XXXX XXXX - is NOT my account and needs to be deleted. It is FRAUD! 
2. XXXX XXXX is a FRAUDULENT ACCOUNT and needs to be deleted. 
3. XXXX XXXX XXXX XXXX XXXX is showing late payment ( s ) - this account was never late. 
4. XXXX XXXX XXXXXXXX has several late payments. I have sent them proof that this account should have no late payments and Experian refuses to remove, even though XXXX and XXXX have. 
5. XXXX XXXX  XXXX shows late payment ( s ) - I have never paid this account late.
Product: Checking or savings account

A monthly check we wrote to myXX/XX/XXXX mom 's XXXX XX/XX/XXXX for {$7700.00} was stolen, forged an endorsement and cashed. I made an official complaint to my bank ( XXXX ), and they confirmed on XX/XX/XXXX. As requested by them, I the filed an affidavit from the XXXXXX/XX/XXXX saying that they never received the check and it wasn't their endorsement. XXXX sent me a letter on XX/XX/XXXX saying that the responsibility is not theirs but the bank that cashed the check. XXXX said they contacted that bank. It has been five months since I filed the complaint with XXXX and they say they are still awaiting hearing from the other bank. In the meanwhile my mom is out {$7700.00}!!! 

I complained to you about XXXX and their response if that it is the responsibility of the bank that cashed the check - Bank of America. They say that BofA takes 90 to 120 days to reply. My complaint was filed with chase on XX/XX/XXXX - that is over five months ago! And I have no way to reach out to BofA because I have no relationship to them. XXXX is in the middle and keeps saying that it isn't their problem. 

How do I get BofA to respond to XXXX?
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of some sort of ID attempted theft. I researched how to file a proper dispute. I followed the FCRA and the CFPB guidelines on what information is needed to file the dispute. I filed a dispute with Transunion on XX/XX/XXXX. I received a letter dated XX/XX/XXXX plus days from the receipt of my letter. The letter read that they didn't believe I was me!! Now according to the FCRA and Philbin V. Transunion , LLC, 101 F.3d957, 961 ( 3rd Cir.1996 ) A Plaintiff must prove ( 1 ) an inaccuracy ( 2 ) failure to follow reasonable procedures ; an injury and ( 4 ) the injury was caused by the inaccuracy, " A CRA responding to a dispute must make a good faith effort to determine the accuracy of the disputed item or items. In other cases, the CRA must conduct a reasonable investigation that, at a minimum, would include checking with the original sources '' This is from a FTC staff report XX/XX/XXXX page 76. I enclosed in my dispute a copy of my drivers license which has my true address, a copy of my social security card as well as a copy of the FTC file that I was advised to fill out by the FCRA and the CFPB. If the Bureaus aren't going to investigate and can simply say we dont believe you are you then what is the point of consumer protection? If Transunion can never afford me the true investigative latitude thats afforded to me by the consumer protection act what then does a consumer do? By the way I copied this information off of the internet apparently Americans are having a real problem with Transunion. Please Director XXXX make an example of them.
Product: Prepaid card

{$100.00} gift card that will not work. I checked the balance online, and it is fully loaded, but I am unable to make purchases well below the balance amount at retailers that otherwise accept American Express. It gets declined with an invalid code message. I tried calling the number on the back of my card and can not navigate out of voice menus in order to talk to a human.
Product: Credit card or prepaid card

Hi, I applied for Chase-XXXX credit card two years ago. The enrollment benefit was XXXX XXXX XXXX after {$500.00} spending in the first three months. However, I never received the stars in my XXXX account. 

I firstly call XXXX first and they told me that I should talk to Chase to resolve the issue. Then I contact Chase several times and every time I had to talk to the robot for a long time before I could access the agent. Every time the agents told me that I am qualified for the stars and they would investigate and give me the stars, but they never showed up again, not even a mail. 

Best regards, XXXX XXXX
Product: Debt collection

In XX/XX/XXXX I received a letter from Rent Recovery Solutions LLC in XXXX, Georgia that I owed a balance of {$4300.00} and that I had 30 days to dispute the validity of the debt or it would be assumed to be valid. I disputed this within 30 days. On XX/XX/XXXX I received a follow up letter that stated the company completed a reinvestigation and determined their information was correct. On XX/XX/XXXX, 6 days prior to the date of the letter from Rent Recovery Solutions LLC, I received an email from the original creditor showing the amount owed as {$3200.00}. On XX/XX/XXXX I sent Rent Recovery Solutions LLC a letter asking them to send me a copy of the last statement I received from the original creditor, their authority to collect in the state of Alabama, and an agreement that shows a business relationship between myself and Rent Recovery Solutions LLC. On XX/XX/XXXX I received an email that Rent Recovery Solutions LLC placed the account on my credit report. I sent a dispute letter to XXXX about the validity of the debt and within 30 days I received my credit report showing the debt was verified. On XX/XX/XXXX I sent a letter to Rent Recovery Solutions LLC,  yet again, stating the amount they were attempting to collect was incorrect and I felt they did not have a business relationship with the original creditor because each follow up letter they sent to me was a generic letter stating they verified the debt and the same statement from XX/XX/XXXX. I also explained in the letter dated XX/XX/XXXX that should the company not complete due diligence, I would have to file a complaint with the local state of Georgia and the CFPB. On XX/XX/XXXX I received the same generic letter from Rent Recovery Solutions LLC and on XX/XX/XXXX the company submitted an update to XXXX that the balance was still unpaid for a total amount of {$4300.00}.
Product: Credit reporting or other personal consumer reports

I have fraudulent credit cards opened in my name which needs to be removed from my credit file. I am still a XXXX XXXX soon and had no idea there were fraudulent credit cards opened in my name.
Product: Credit reporting or other personal consumer reports

XXXX, transunion and XXXX  has accounts on my credit report that are not mine and they refuse to remove or delete. 
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: Mortgage

I started calling Chase bank, the company that holds my mortgage, on XX/XX/XXXX and continued calling the XXXX and XXXX. on all three days my call was dropped after 3 1/2 hours or with a message that the call center was closed. I spent 9 hours trying to talk to a representative concerning my mortgage. I left a message on the company 's secure message page and after 2 days I have not received an answer to my request. 
I have been out of work for two weeks and my employer has informed me that the work stoppage will continue through the end of XXXX. 
I have written a request to defer a few mortgage payments during this time. I am unable to reach a representative of the bank or get an answer of any kind. 
I hereby submit a complaint against Chase bank not fulfilling their part in the federal government 's statement to help in these times.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting incorrect personal information on my credit report.
Product: Credit reporting or other personal consumer reports

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. 
XXXXXXXX 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 I looked at my TRANSUNION credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

According to 15 USC 1681s-2 they are supposed to 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: Debt collection

Midland Credit Management ( in violation of 20-cv-1750-GPC-KSC which is titled Final Judgement and Order Approving Joint Motion for Entry of Stipulation ) opened a Small claims case against me on XX/XX/year> ( XXXX  SC XXXX SP ) in direct violation of paragraph 9 ( Time Barred Debt through Litigation )
Product: Money transfer, virtual currency, or money service

All the charges I have paid for Coinbase within the last month and beginning of this month, has been charged to my bank account twice.That is absolutely absurd and uncalled for.
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

This ongoing failure has caused harm to my financial standing, and I demand that these inaccuracies be removed from my credit report within 4 days I am requesting the CPBF to take immediate action to hold Equifax accountable for their non-compliance and ensure my rights under federal law are upheld.
Product: Credit reporting or other personal consumer reports

I value your help in removing a portion of the data in my credit file that came about because of FRAUD yet I have an Items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, FL XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX FL XXXXXXXX XXXX XXXX XXXXXXXX XXXX  ( XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX {$270.00} ; XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and removed from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FI XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

XX/XX/2018 {$1500.00} Ability Recovery Services deleted the information and put it back up on my report again.
Product: Student loan

I will be XXXX next week and am the sole caregiver for my XXXX year-old husband who has XXXX. I had to retire from teaching 5 years before I wanted to in order to care for him. I have repeatedly sent in income documentation showing that we are living from month to month on low pensions, but get no help. I try to pay {$50.00} whenever I have any extra money left over. I know this is ruining my credit. I went back to school at age XXXX to get my teaching degree, and I had to choose a private college that offered night and weekend classes, which bumped my tuition up considerably. We have been through a bankruptcy ( 6 years ago ) because of my husband 's high medical bills, but could get no relief on student loan.
Product: Debt collection

I was called numerous times to pay off remainder of loan when I asked if I missed a payment and said I'd pay any amount of past due if they provided proof and was told that wasn't an option and to pay whatever amount at that time they requested.
Product: Credit reporting or other personal consumer reports

I am disappointed to have received a credit report that contains inaccurate information about me. As per the Fair Credit Reporting Act, it is my right to dispute any information that I believe to be incorrect. I take this matter very seriously and I am deeply concerned that these false allegations of delinquency and derogatory information could harm my reputation and financial well-being. 

Although I am fighting back with all my strength, I need your cooperation to resolve this issue. I kindly request you to provide evidence that justifies why my accounts are considered to be in a negative state. It is my understanding that any data included in my file must be documented and validated before it can be used by creditors, as mandated by the law. However, it appears that your records are not meeting these standards. 

I feel let down that you are not doing your job properly, and I am concerned about the potential consequences that this could have on my creditworthiness. Therefore, I am giving you 30 days from now to address this matter and provide me with physical proof of your actions and my updated credit report.

( NOTICE FOR REMOVAL OF INQUIRY REQUEST : According to Section 604 of US CODE 15 USC 1681 et seq., it is clearly stated that any entity requesting access to a consumer 's credit report must have a lawfully acquired and permissible purpose as outlined by the Fair Credit Reporting Act ( FCRA ). We demand to know if you and/or any other reporting party have provable and demonstrated lawful permissible purpose ( s ) for obtaining my credit report profile or any portion thereof. You must provide physically verifiable proof of this lawful permissible purpose, even if I have not authorized the inquiry or have no knowledge of it. Failure to provide such proof means that you must remove any inquiry reporting related to the event ( s ) in question. I am challenging you to demonstrate your mandatorily submitted permissible purpose proofs, and I hereby demand that you delete any such alleged inquiry reporting upon your failure to do so in a timely manner, whether willfully or due to your reckless ignorance. ) Your agency is in violation!

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

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

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

I want to write a compliant about Experian not taking into account the facts. 

I have tried to remedy this error five times with Experian and they keep responding with the same thing and not resolving the issue.

I have one account that has a 30 day past due payment that is inaccurate due to a processing error on the vendors site ( XXXX ). After many attempts I was finally able to connect with the vendor and we agreed to resolve the issue. Experian is still responding with a generic resolution and not actually resolving or even attempting to resolve the issue. I have sent screen shots to prove this was an error as well. 

My payment was accepted and then not accepted do to XXXX  error. The payment was late due to website errors.I called XXXX they agreed this was a payment portal error. Screenshots were provided. Experian should remove this / good standing always. thank you Please resolve and remove this from my credit report asap. I beg of you remove this erroneous delinquency because its simply not true. 

My original dispute remains unresolved. Please remove it.
Product: Credit reporting or other personal consumer reports

I sent a letter to Midland Credit Letting them know that I have no knowledge of the account they say I owe them. I requested the 1. Original contract with the wet signature 2. Name 3. Address 4. Phone number 5. Proof of ownership of debt and their right to collect on it 6. Break down of the billing and payment history As of now, I haven't received no documentation.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

ACCORDING TO XXXX XXXX XXXX - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

CITICARDS CBNA # 542418 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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