23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Subject : Complaint Regarding Inability to Complete Repayments and Lack of Resolution Dear Bank of America Customer Service, I am writing to express my extreme dissatisfaction with the services provided by Bank of America in relation to my recent attempts to make repayments on my account. Despite multiple attempts to address the issue, I have encountered significant obstacles that have impeded my ability to maintain timely repayments, resulting in late payments and a detrimental impact on my credit score. 

Despite my persistent efforts to rectify the situation through various channels of communication, including phone calls and online inquiries, I have been unable to find a satisfactory resolution. The inability to complete repayments and the subsequent late payments have not only caused financial distress but have also tarnished my credit history, which I have diligently maintained over the years. 

Furthermore, I have encountered difficulties in setting up a new repayment card, exacerbating the already frustrating situation. The lack of functionality in this regard has added to the inconvenience and has left me feeling disillusioned with the level of service provided by Bank of America. 

As a valued customer, I expect better from Bank of America and urge you to take immediate action to address these issues and provide a satisfactory resolution. I trust that you will thoroughly investigate this matter and implement measures to prevent similar occurrences in the future. 

I appreciate your prompt attention to this matter and expect a swift and effective resolution. 

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

Under the Fair Credit Reporting Act ( FCRA ), I am disputing the reported late payment on my account as I believe it to be inaccurate. The FCRA requires that all information reported to credit bureaus be accurate and verifiable. I kindly request that the creditor or data furnisher investigate this matter and provide evidence supporting the late payment claim. If the information can not be verified, I ask that it be corrected or removed from my credit report in accordance with the law. Details of the account involve are as follows : 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX On XX/XX/XXXX, the Bureau and New York Attorney General XXXX XXXX filed a joint lawsuit in the United States XXXX XXXX for XXXX XXXX XXXX XXXX New York against XXXX XXXX XXXX, an indirect auto lender that funds and services car loans for subprime and deep-subprime consumers. This company already has a civil lawsuite. 
Docket number XXXX  Initial filing date XX/XX/XXXX I have a car I purchased and my loan is also through them I wanted to get my loan amount lower do to a hardship and it cant because on my credit report they have it listed as {$17000.00} and on there website they have the remaining balance as {$29000.00} which they are saying the purchase amount was {$31000.00}. when questioned the lady stated this is the value of the car at what is owe no all my paperwork states different. I would have never purchased a care for this amount that's used. a XXXX that's crazy. I need help with a formal lawsuite so they can't take my car and owe me for which is setting me up to never be able to pay them off.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/XXXX, a personal credit card account opened at XXXX  XXXX on XX/XX/XXXX, an auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX, an auto loan account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX, and an auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Checking or savings account

My situation is with Bank of America. Checks were deposited into my account and after a few days ( XXXX ) the checks appeared as cleared and funds deposited in my account. 

I made some payments with those funds already in my account and this morning they said the checks were fraudulent and they had to take those funds from my account. 

I called the bank and they said they gave me the funds because Im a gold member in BOA and they wanted to facilitate the funds but then they found out the checks were no good. 

I was baffled and confused because why should a bank clear fraudulent checks. For me they are helping the thieves to steal from their clients! 

All of the transactions happened on XX/XX/2022 and XX/XX/2022. Today the debits appeared in my account. Over {$3300.00}
Product: Checking or savings account

XX/XX/XXXX I received an email to my personal email address ( XXXX ), addressed to my name XXXX XXXX, thanking me for my interest in opening an account with Wells Fargo and letting me know that I could not open an account online and needed to come into a branch. I also received a letter in the mail advising of the same actions to open this account. 
I did NOT attempt to open an account with Wells Fargo at any time. 
I did call Wells Fargo on XX/XX/XXXX to have another fraudulent checking and credit card account closed that I did not open. ( Reference case # XXXX and # XXXX ). These accounts were also opened online. 
On XX/XX/XXXX I called to report the fraudulent checking account and spoke to XXXX who I provided my personal information and advised me that a fraud case would not be opened since my social security number was not associated with the new account. I would like some assurance that Wells Fargo will not open an account in my name, email and physical address. Wells Fargo only told me that there was nothing they could do since this online application did not match my social security number. ( My social security number is not on my drivers license, so how can it be validated anyway? ) I have little confidence in this bank since this is the second time an application has made it through their systems and I am given no assurance from them that they will not open an account in my name. I would like a response from the bank and to know how they will ensure that accounts are not opened online without proper authentication of the person applying.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

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.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX in XXXX managed by XXXX charge a bogus amount on my credit and submit to Genesis Credit Magement they are trying to embezzle from me.
Product: Credit reporting or other personal consumer reports

MY NAME XXXX XXXX XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX todays date XX/XX/XXXX I looked and noticed on my credit report fraudulent inquiries I ask for these fraudulent inquiries to be immediately deleted and removed from my credit file I will list inquiries below thank you INQUIRIES : XXXX XXXX NA Inquiry date XX/XX/XXXX Removal date XXXX XXXXXXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX Removal date XX/XX/XXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX XXXX date XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXXXXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX 12 U.S. Code 5534 - Response to consumer complaints and inquiries
Product: Credit card

I discovered a fraudulent purchase on my Apple/Goldman Sachs credit card that was made overnight while I was sleeping. I immediately checked my Apple ID and subscriptions to confirm that nothing was charged overnight that should have been charged. After some quick research, I verified that the transaction was fraudulent and I requested an Apple Card/Goldman Sachs customer service representative to help me remove the charge.

Apple Card/Goldman Sachs provides two methods to contact customer service - a phone number, where customers languish on hold for more than XXXX hour, and a chat service through the XXXX service. Customer service representatives can not be contacted through either method, and it is clear that the system is designed to prevent customers from being able to speak with representatives. 

I opened a chat to share XXXX screenshots with customer service to show that the charge on my credit card did not originate from my XXXX account. These XXXX screenshots are attached to this complaint. I sat on the customer support chat for three-plus hours and I received no response from Apple/Goldman Sachs . I also tried to call the phone number for support and have yet to be able to reach anyone. Meanwhile, I will be charged interest for this fraudulent purchase, which is something that I believe Apple Card/Goldman Sachs has done previously because it takes them so long to remove charges from accounts. 

I do want to point out that this is a frequent pattern for Apple/Goldman Sachs . My card information has been stolen several times, despite the numbers allegedly changing every XXXX  days, and every time I have to report fraud, it is a taxing and exhausting experience. It should not be this difficult to remove a fraudulent purchase from a credit card account.
Product: Payday loan, title loan, or personal loan

My company XXXX XXXX XXXX ( XXXX XXXX XXXX  ) applied for a PPP loan on XX/XX/XXXX with my personal banker XXXX XXXX ( Frost Bank XXXX Tx ). All of my workers were 1099 misc workers which made up the majority of my payrolls. My application was approved and funded on XX/XX/XXXX. At the time my application went thru and was approved 1099 misc workers were allowed to be used for payroll on the PPP loan. I submitted for forgiveness in XXXX of XXXX. My bank came back and said the loan couldn't be forgiven because the new rule that came in effect after my application was submitted and approved stated that independent contractors ( 1099 misc ) could not be used towards PPP loans. I received my loan and dispersed the monies exactly as intended by making sure all of my workers had a paycheck each week to get there bills paid and to stay afloat. This should fall on the banks shoulders as the loan never should have been funded if it was not going to be forgiven. I have been sent a business loan payment notice in the mail and i have a payment of {$59000.00} due on XX/XX/XXXX. I do not have this money to pay them back as the monies from the loan were depleted long ago after i received it. I will attach original loan application along with everything i submitted to the bank back in early XXXX. I will attach my loan forgiveness application as well. Thank you
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 accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX Balance : {$560.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$1900.00} XXXX XXXXXXXX Balance : {$3800.00} XXXX XXXXXXXX Balance : {$3400.00} XXXX XXXXXXXX Balance : {$5100.00} XXXX XXXXXXXX Balance : {$3800.00} XXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Credit card or prepaid card

I have a ReliaCard from US Bank for unemployment payments. I was able to make the first two transfers to my personal bank account successfully. The third transfer I received an error. I tried calling the customer service number hundreds of times only to be disconnected after being on hold for hours. I then  went to XXXX and saw many complaints. I DMd US Bank and they responded. After several days going back and forth I was able to make one transfer. Now Im trying to make another and am receiving the same error as before. They know there is a problem again and Ive not heard from anyone. 

This card is issued by the Commonwealth of Pennsylvania, but yet you can not get your money and there seems to be no urgency to respond or correct the problem. You can see all the complaints on social media. I need access to my money. Please help!
Product: Credit card or prepaid card

Hello dear Cfpb I am writing to assist me to fix this problem with state farm bank credit card. I made payments {$4900.00} and payment was returned because my bank wanted to verify payment. My state farm bank credit card was placed on hold and i received phone call from Bank Verification department agent her name was XXXX XXXX and she was asking me to go State Farm Agent office to verify my identity and since i am working i can not go to agent office, I ask her to give me other option to verify my identity but she refused and also she told me i can not make a payment and do anything with this account until i verify this account, I asked her can i speak to supervisor she also responded she can not ask her supervisor call me until i go to agent office. But its really important me to make payment because if i do not make payment my account will be late and my credit will be ruined. I have this account since very long time and i made from same bank many payments and all charges are valid and account is Valid. I am asking CFPB to assist me so i can make a payment to this account please. Thank you Very much
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint because I am a victim of identity theft and have been going back and forth with both of the bureaus and companies for over a year and nothing has been done. I have requested proof of their investigations and received nothing. i have requested proof of my agreement and received nothing. I requested a contract or copy of my id or signature and received nothing. I have have attached a copy of my identity theft report and a copy of my drivers license as proof of my identity and have received nothing. I have even started the process of taking legal action but was advised by an attorney to file a complaint with this forum and request they delete and block these items pursuant to section 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act and that under this section these items must be deleted and blocked and an updated report showing these removals be sent to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hyundai Motor Finance continues to report an account that was opened XX/XX/2015 after contacting them numerous times and having my attorney send a letter they finally removed the incorrect information from XXXX XXXX however it it still on XXXX. This car was included in our bankruptcy and needs to be removed.
Product: Credit card or prepaid card

I use a Citi branded Mastercard. I was charged a cash advance fee for using the XXXX service on XX/XX/XXXX. Citi claims this was due to Mastercard changing its terms and conditions. I never received notice of the change in terms and do not agree with this change in terms. Had I received this change in terms I would have objected to the change in terms. Mastercard along with the other card companies are using their dominant market position, and acting together an an anti-competitive method to limit their competition from XXXX and stifle the entrant of this new business.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I received a letter from XXXX XXXX XXXX referencing account XXXX. I originally reached out to them for debt verification. The form I received in return was what I will consider debt verification, but the date on the paperwork I received from the showed an open date of XX/XX/XXXX. On my credit report, however; the open date says XX/XX/XXXX.How is that possible?Once I contacted them, I was given a case manager that continuously told me, the open date was the date THEY got the account from another party, but even if the account was sold or transferred, how can the open date change? She even went as far as to say, the drop off date for the collection is XX/XX/XXXX, so why would the open date on my report say XX/XX/XXXX?This is the case for 4 different accounts I have on my credit report that belongs to this particular company.
Product: Debt collection

This collection agency is on my credit report on the XXXX its on there theree times. I never applied for payday loan. I never even heard of XXXX XXXX. I am thinking my idennity was stolen or its a scam. I never received any info on this. I do want this taken care of and off my credit reports. I have spoken to the state police bout this. I would like to know who did this so charges can be pressed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Data furnisher XXXX and credit reporting agency Equifax failed to comply with the agreed-upon industry-standard of reporting - XXXX Metro 2 " Reasonable cause '' . 

XXXX # XXXX is reporting in clear violation of the FCRA and Metro 2 . ( reasonable cause ) Specifically, the furnisher must not furnish information it knows or has reasonable cause to believe is inaccurate. Inaccurate information is those items that at least one CRA already has determined to be inaccurate, incomplete, or unverifiable. For example, a CRA that concludes, after reinvestigating a consumers dispute, that an item of information is inaccurate or incomplete or can not be verified must notify the furnisher that the information has been modified or deleted. ( 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ). Such a notice should provide reasonable cause to believe that the information is inaccurate and meets the further requirement that its basis is more than solely allegations by the consumer. In that case, a furnisher must then cease reporting the information, not simply because of the statutory mandate, ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ) but also in the interest of maintaining consistently accurate information among the various CRAs and helping meet the separate directive that severely limits the reinsertion of deleted information. 

XXXX and XXXX both have deleted this account after their re-investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS LATE PAYMENTS REPORT ON BOTH OF MY XXXX XXXX BANK ACCOUNT. I'VE HAD FINANCIAL HARDSHIPS WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS.
Product: Credit reporting or other personal consumer reports

I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third-party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. I must express my deep dissatisfaction with the continued negligence displayed by your company in addressing the inaccuracies present on my personal credit profile. Despite my numerous letters requesting a thorough investigation and removal of such misleading information, it appears that my concerns have fallen on deaf ears. It is important for you to understand that by law, you are required to take immediate action upon receipt of such requests. Your credit reporting agency has been reporting inaccurate and incomplete account information to my credit file. I am distressed that these referenced inaccurate accounts are on my credit profile. Your reporting agency has failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit information they report and may be liable under 15 U.S.C. 1692g validation of debt. Also, in Fisher v. Equifax Information Services LLC ( XXXX XXXX XXXX  ), your reporting agency may be liable for false reporting. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. While these third party collectors attempted to collect a debt that is not mine, they broke 15 U.S. Code 1692k - Civil liability. I am maintaining a careful record of my communications with your agency and the false reporting collectors for the purpose of filing a complaint to the FTC if the non-compliance continues. Like, Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. XXXX  ), the below false creditors will be liable for your willful non-compliance. Also, in Fisher v. Equifax Information Services LLC ( XXXX XXXX XXXX  ), they may be liable for false reporting. By law these should be deleted because I have proof that they were also deleted from the other credit bureaus.