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

On XX/XX/2017 ; I applied for a job through the job search engine XXXX  for a position as an administrative assistant w. a humanitarian company called " XXXX XXXX XXXX XXXX XXXX. I was reached via email from an HR worker called Mr. XXXX XXXX and his title was Chief Marketing Officer. He offered me the job and stated that he will be sending me two separate checks via XXXX of the amount of {$980.00}. We only communicated through email and texting, but I never heard his voice. He also provided me a website at XXXX.I trusted this company because they utilized the company a well-known job search engine, so I thought it was okay until I received the two checks and urged me to deposit them into my account as soon as possible but never asked me for money and when I tried to reach Mr. XXXX he didn't reply after bringing to his attention that both checks for fraudulent checks. Therefore, my accounts at Bank of America was closed and I tried to write a letter and provide proof to Bank of America in Missouri but was denied and was reported to XXXX  and XXXX XXXX, that I know. And haven't been able to open a bank account whats so over which is not right, I didn't do anything wrong just trusted the wrong job search engine.
Product: Checking or savings account

On XX/XX/21 I traveled into XXXX to get medication for my mother. The location is in a very bad area of town which I am not familiar with as it is about an hour away from where I live. I was in the need of cash to pay for the medication and needed to use my CheckCard with Regions Bank. My card was declined at the location. I think tried to find a bank branch near by and the closest was an hour away which was too far. I attempted to go to various ATMs to take out cash and the card continued to be declined. I have plenty of money in the account so I was not sure why this was happening. I continue to call the bank and due to phone issues they were having I could not get through. Being unfamiliar with the location and driving around I became very anxious and had a XXXX XXXX. I eventually used a credit card and had to pay a cash advance fee of {$50.00} pointlessly. I should have been able to access my money at the bank. after 4 hours I finally got through to the bank and they informed me that they canceled the card due to me not using it enough. They stated is you do not use the card in 6 months they turn it off. With Covid I am not going many places/traveling so I do not have the demand need for cash and when I do there is a bank 5 minutes from me I usually can go to. This Term of the card is no where to be found in any of their marketing material or even the tiny print on the Agreement & Disclosures Statement. This is a horrible business practice to deny access to my funds with no communication of this term at the point of getting the card and or at the point in time in which they turn off the card they could have emailed me to notify me. They have no issue emailing me to sell me or inform me of other banking activities. I called and filed a complaint with the bank and I was at that time informed that the bank will most likely not look at the complaint or review it. This was incredibly disappointing as in my perspective this is a stipulation of the card consumers should be notified in some way.
Product: Checking or savings account

BMO Harriss banking system is technically inadequate and faulty, duplicating transfer requests, causing accounts to be overdrawn, and charging extortionate fees as a result.
Product: Vehicle loan or lease

In XX/XX/XXXX I had a XXXX XXXX and had XXXX XXXX in 7 months and was not able to work. During this time, I was not receiving my paycheck due to my employer not properly completing my paperwork. I had worked with Navy Federal Credit Union and XXXX XXXX XXXX in XXXX, CA and they agreed to purchase the XXXX XXXX   that I had in XX/XX/XXXX. I was advised that this was an easier way to get rid of the car without a repossession on my credit report due to the fact I have a security clearance with the US government. Once XXXX XXXX obtained the title of the car, I signed the papers that I needed to and left. Flash forward to XX/XX/XXXX. I start to receive notices in the mail that I have a car payment coming due in XX/XX/XXXX, for a car that I have not had for almost 3 years. I call Navy federal and they advise that they had applied the payment that was received from XXXX  to my loan? Which was wrong, and I tell them that I don't have the car and that I am not paying a balance. I have made numerous phone calls and attempts to try to settle this car loan balance and status. All to which, Navy federal agrees that they have messed up the paper work and gave a car to a dealership to include title but the loan wasn't fulfilled! But now all the sudden I am being held responsible for their mistake. I have even tried to offer a settlement to get this off my credit report. I just refinanced my house with XXXX XXXX XXXX we called the settlement and collections department. They talked to us on the phone and we offered them an amount ( XXXX ), to which was denied! I called back to the same person, who said that the next amount they would accept was XXXX XXXX   and the next time I called it was XXXX. I was like what happened to the other amount. When I spoke to them on XX/XX/XXXX for the last time, I was now given another story and run around saying that I am no longer allowed to talk to collections and settlements. I must talk to consumer loans to fix this. And that since my loan is current, there is nothing that they or a supervisor can do for me. I am agitated that this is their mistake, that they have even told me via numerous phone calls. I don't feel that after this long of a time period it should be something that all of the sudden lets try to make her pay a ton of money for it! I will never use them again for anything! I have had the worse experience, very frustrating phone calls, hours and hours long try to resolve an issue that isn't even mine!
Product: Credit reporting or other personal consumer reports

Please take a look at my credit profile it is not accurate In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I told Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 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

XXXX and Transunion are incorrectly reporting me as an Authorized User on the XXXX XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) I called XXXX XXXX and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX. I have contacted the bureaus to remove this item however, I have not been successful. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report.
Product: Credit reporting

Disputed 'Date of XXXX Delinquency ' regarding XXXX XXXX XXXX XXXX. Experian is reporting date as XX/XX/XXXX when the correct date should be XX/XX/XXXX ( last date current was XX/XX/XXXX ). Confirmed this information with rep at XXXX and despite providing contact information to this rep, Experian has returned the information as verified and just updated the tradeline to be designated as a charge off. 

I asked the rep for the method of verification, which she could not provide, she stated it was updated after my conversation with an agent on XXXX. I had not called prior to yesterday XXXX XXXX XXXX and my original dispute was in writing ( sent on XXXX, delivered on XXXX via XXXX XXXX ). She then changed her story and told me that they sent the letter to XXXX and came back with the same information. 

I explained to her that the same thing happened with another credit bureau and the only way I was able to get them to investigate properly was after filing a complaint with CFPB so I mentioned that I may have to do the same for Experian to ensure the investigation is conducted properly. I wo n't say she threatened me, but she definitely tried to scare me by telling me to do what I had to do but to be careful as sometimes after filing a complaint/re-investigation, things come back updated with a different date, which would delay the date that the tradeline is due to fall off my credit report. Her name was XXXX and she was on XXXX XXXX ' and I spoke to her on XX/XX/XXXX. 

I am attaching a copy of the letter that was sent to them for the dispute. All I want from them is to properly investigate and update my credit report with the correct information.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several inaccurate items on my credit report, as I am entitled to under the Fair Credit Report Act ( FCRA ), specifically 15 U.S.C. 1681 Section 602 ( a ) regarding my right to privacy and the accuracy of the information reported. Delete this account immediately, unless you want to be held {$1000.00} per violation. 

Dispute XXXX : XXXX XXXX XXXX XXXX Account # : XXXX Date Opened : XX/XX/year> Balance : {$1200.00} Dispute XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Inaccurate Addresses : XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX, XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX
Product: Credit reporting or other personal consumer reports

Problem having with TransUnion is I XXXX XXXX XXXX not authorize XXXXXX/XX/XXXXvia XXXX XX/XX/XXXXXX/XX/XXXX COMPANY to access my credit report its against the law to access the consumer report without there permission.
Product: Checking or savings account

A cashiers check chase bank collective fund on never released funds put on, suspension account, then close, without my consent without proper calls, I hand, against banking regulation. Violated banking regulations by not giving me access to portion of the deposit. Secondly, they suspended the account and eventually closed it. They violated an additional banking regulation by return XXXX, taking money from my checking account, without my knowledge or consent and sending it to the institution where Im made purchase for chase bank violated additional banking regulation, by returning fund from a cashiers check without giving proper notice. Did not notified me that a request was made for return funds.chase bank, violated, banking regulation by not giving me transit action numbers to track money, of the validity of the return. cashiers cashiers check challenges are subject to a 90 day application process, Chase bank again, violated bank regulation, chase bank procedures were totally not in compliance with standard banking regulations I have attempted over the years to have a intelligent dialogue with the chase bank. They have refused, sending me letters with incomplete information. I am never addressing the issue of my money properly. Their food is your responsibility to me against Consumer, regulation.
Product: Debt collection

I am writing to formally lodge a complaint against Bank of America due to a significant error they made that resulted in marking me as late on my account. My name is XXXX XXXX XXXX, and I am using this platform to address this issue. 

The incident revolves around an oversight on the bank 's part regarding the update of my address on my loan account. Despite correctly updating my bank account addresses online and at the branch after I relocated, my loan account address was not modified accordingly. Consequently, I did not receive any notices or communication from them regarding my account. 

I moved to my new residence some time ago and promptly updated my address both online and at a local BOA branch. While they successfully updated my checking accounts, regrettably, my car loan account address remained unchanged. I possess statements for my bank account that accurately display the updated address, in contrast to the auto loan account which still reflects the old, incorrect address. Furthermore, even the old address listed on the car loan account lacks my apartment number due to their oversight. 

I've attached copies of the bank statement which show the updated address. 

This situation has caused me significant distress, as its repercussions have had a substantial impact on various aspects of my life. Throughout my history as a customer, I have consistently upheld my responsibility and made timely payments. 

The gravity of this error has translated into several adverse consequences that are severely affecting both my personal and financial well-being. These consequences encompass impediments in obtaining home approvals, a considerable loss of valuable time, XXXX XXXX and resulting XXXX, as well as marital discord stemming from my inability to refinance my existing home. 

I kindly request a swift and thorough investigation into this matter, along with the necessary rectifications to address the damage caused. I believe in the integrity of Bank of America and hope that this issue can be resolved in a manner that restores my faith in your institution
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

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 submitted a dispute to Equifax disputing a late payment reported by XXXX XXXX I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Submitted On Time : My payments were made on time and before the due date. I have attached bank statements and payment confirmations showing that the payment was processed well in advance of the deadline. This payment should not have been marked as late. 
Clerical Error at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  customer service, they confirmed that the late payment entry was a result of a clerical error in their system. The payments were applied to the wrong account, which delayed its proper posting. I have attached correspondence from XXXXXXXX XXXX acknowledging the error and confirming that the payment was made on time. 
Inconsistent Payment Posting Date : The payments in question were processed on time, but XXXXXXXX XXXX reported varying posting dates to different credit bureaus. This inconsistency between XXXX, XXXX, and Equifax indicates a reporting error on their part. I have attached documentation showing the discrepancies in the reported dates, which suggest the late payment is inaccurate. 

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

1st Franklin stated that I received a live check in the mail, I question how did they get my information? I never gave them my information which means they bought my information and used it for their own purpose which identity theft. 

1st Franklin identify as a debt collector under FDCPA 15 United States Code 1692a ( 6 ) and it is against the law for 1st Franklin to state that I the natural person owes a debt which is a violation of 15 United States Code 1692b ( 2 ) of the FDCPA.

1st Franklin states that they may proceed with advanced efforts which could include filing a lawsuit against me. That is a violation of 15 United States Code 1692d ( 1 ) and it is a criminal violation of 18 United States Code 894 a ( 1 ) and ( 2 ). This is a form of blackmail 18 United States Code 873 and this committing a conspiracy against my rights 18 United States Code 241. 

1st Franklin has no authorization to sue. I have a right to refuse to pay until the provide me what I have requested which are books of accounting and contracts where I and 1st Franklin signed, also to provide adequate notices.
Product: Credit reporting or other personal consumer reports

I discovered that medical debts are still being reported on my credit report, despite the CFPB 's final rule prohibiting such practices. This rule, which amends Regulation V under the Fair Credit Reporting Act ( FCRA ), became effective on XX/XX/year>, and bans the inclusion of medical debts on credit reports provided to lenders. 

The reported medical debts negatively affect my credit score and may influence lending decisions. This violates the CFPB 's regulation, Which aims to protect consumers from inaccurate and coercive debt collection practices.
Product: Credit reporting or other personal consumer reports

I am writing to express my dissatisfaction with the handling of fraudulent items on my account with Credit Bureau. Despite promptly reporting these fraudulent transactions, I am dismayed by the delay and inefficiency in their removal. I discovered unauthorized transactions on my account, which I immediately reported to your company 's customer service department. I was assured that swift action would be taken to investigate and remove these fraudulent items from my account. However, to my dismay, the process of removal has been unduly prolonged, causing me significant distress and inconvenience. As a valued customer, I expect timely and efficient resolution of such matters to safeguard my financial well-being and restore my confidence in your company 's services. The continued presence of these fraudulent items not only poses a threat to my financial security but also reflects poorly on your company 's commitment to customer satisfaction. I urge you to prioritize the expedited removal of these fraudulent transactions from my account and take proactive measures to prevent similar incidents in the future. Additionally, I request transparent communication regarding the steps being taken to address this issue and provide assurances of enhanced security measures moving forward. ailure to resolve this matter promptly will compel me to escalate my concerns to relevant regulatory authorities and explore alternative recourse to protect my rights as a consumer. I am asking for your assisstance to remove othese fraud items in my credit file : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} 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 Balance : {$0.00}.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against Experian for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Experian for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 

Account Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Amount : PAID OFF I have previously disputed the accuracy of this charge off account with Experian and provided evidence that the information is inaccurate. However, Experian has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report. 

Under the Fair Credit Reporting Act, I have the right to request the removal of inaccurate or outdated information from my credit report. Experian 's refusal to comply with this law is a clear violation of my consumer rights. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against Experian for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate removal of the inaccurate charge off account from my credit report. 

Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in ensuring that Experian upholds its obligations under the law. 

Sincerely, XXXX XXXX XXXX XXXX