23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Bank of America Spirit Airlines credit card. I linked and verified an external checking account to autopay this credit card. The bank info was listed in their system as verified. BofA never requested additional information, so I assumed the account was set up for autopay and didn't have to worry about it. Turns out, unlike every other credit card I have, there were several more steps involved to actually activate the autopay feature. At the same time, Bank of America emails were no longer going to my inbox, and I didn't realize I had delinquent payment of approximately {$100.00}. A couple months later, that balance has ballooned to over {$400.00} and I have a negative delinquency on my credit report.

When I called them and asked them to fix, they refused. This is patently unfair : BofA makes it much harder to link an external account because they want to coerce us into a personal checking account at BofA. In addition, why don't they better manage their emails so that XXXX XXXX ( a very common platform ) doesn't assign their emails to the junk folder.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 U.S.C 1681. ACCOUNT Name : XXXX XXXX XXXXXXXX and XXXX XXXX XXXXXXXX. 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 an 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

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Product: Money transfer, virtual currency, or money service

Im here writing regarding of my concerns of Zelles organizing of disputes, specifically of the recent CFPB lawsuit issued with the platform. As a user of Zelle for many years and reporting discrepancies, my financial institutions and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and just such thing to do so. The CFPBs findings indicated that Zelle has not only neglected to protect consumers but has also allowed to repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Checking or savings account

On XX/XX/19 I opened a checking account with XXXX XXXX with a promotion for {$200.00} contingent upon receiving a direct deposit. I processed several of my work direct deposits into this account and was supposed to receive the {$200.00} bonus within 42 days fo the direct deposit. The direct deposit was received XX/XX/19, 42 days would be XX/XX/19. I have not received the bonus that was promised to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. I am formally requesting this letter to update or remove the following accounts in my credit profile which is appearing to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, the Credit Bureaus are obligated to finish your investigation within 30 days ; please do so, otherwise they will be in violation of the Fair Credit Reporting Act and may be investigated by the Federal Trade Commission : XXXX XXXX Balance Owed : {$160.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$450.00} XXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} XXXX XXXX Bankruptcy Reference # XXXX Date Filed/Reported : XX/XX/2019 XXXX  XXXX Bankruptcy Reference # XXXX Date Filed/Reported : XX/XX/2019
Product: Debt collection

The only medical service I had that year was a workers comp case, which makes this collection illegal and against the law. I am denied that allegedly bill belong to me This incident was brough to the federal trade commission back in XX/XX/year> for questionable business practices. ( CFPB reference number XXXX )
Product: Credit reporting or other personal consumer reports

I dispute the charge-off account reported by XXXX on my credit report. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), I request verification of this account, including a full accounting of the alleged debt.

Please provide proof that this debt is valid and was handled in compliance with the law. If you can not provide this verification, I demand the immediate removal of this charge-off from my credit report.

Failure to comply will result in further action for reporting inaccurate information under the FCRA.
Product: Credit reporting or other personal consumer reports

I received an email that my personal information has been changed on Experian. When I tried to login I was unable to. When I tried to receive a temp passcode to my phone or email I never received either one. I'm concerned Experian allowed an unauthorized person to change my information. 

I'm trying to find out if someone changed my information with Experian. I can't get anyone to give me a straight answer. All they keep saying is send in very private information that would lead to identify theft if mailed or faxed in. No one will actually get on the phone and help me. My complaint is that they allowed an unauthorized individual to change my information and now are locking me out of my own account with no help except to send in very sensitive information. Please help.
Product: Credit reporting or other personal consumer reports

I been reviewing my credit file and notice XXXX XXXX is reporting incorrect information to such consumer agencies. The payment history and dates are incorrect. I was never late to this account. Congress gives us laws to protect us from unfair credit methods and for us to be treated fair that our information is 100 % accurate all times. In accordance with the FCRA, this creditor has violated many of my rights. Under 15 usc 1681b2, you can not furnish any report without my consent. I never gave them permission to access my file, I am entitled to privacy. You can not furnish information knowingly incorrect to my file, must be deleted, under 15 usc 1681s2. After I disputed several times and no changes were made. They still are reporting wrong information to my file even after put on notice several times. 15 usc 1681a2ai, consumer reports do not include information solely about transactions or experiences between the consumer and the person making the report. Late payments and utilizations are considered transactions and experiences and should be deleted from file. Congress also states under 15 usc 1666b, A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. I did not receive a statement 21 days before the late payment error. If the finance charge is included, there should be no late payments pursuant 15 usc 1605a, due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full. I requested to reinvestigate, and nothing changed. The payment history and delinquent date status still remain incorrect. Under 15 usc 1681i5ai, If, 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 delete or modify to accurate. These violations have negatively impacted my creditworthiness and financial stability. I urge the CFPB to investigate these infractions and ensure compliance with federal laws to protect consumers like myself. The my credit must maintain 100 % accuracy under 15 usc 1681eb Congress states.
Product: Credit reporting

I am filing this complaint because Experian has refused to provide me with the documents that their company has on file that were used to verify the account that I have disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under section 611 ( 5 ) ( A ) of the FCRA - they are required to * " promptly delete all information which can not be verified '' that I have disputed. Please resolve this matter as soon as possible. Thank you.
Product: Bank account or service

I had a home equity line of credit thru PNC Bank. I received the letter in 2012 telling me my loan maturity date was coming up & I needed to either pay off the loan or renew the loan for another 10 years. I submitted all the required paperwork, i.e. pay stubs, XXXX, etc. Apparently the person reviewing my application did not know how to read a credit report. I owed approx. {$150000.00} on my mortgage & {$55000.00} on my HELOC. I did n't hear back for over 2 months & when I finally got in contact with that person they told me they could not renew my loan because I owed too much on my house. When I asked him to clarify, he told me I owed {$210000.00} on my house so they could n't renew my loan for the additional {$55000.00}. I tried repeatedly to explain that the {$210000.00} was the mortgage & HELOC & that 's all I owed. By the time I sent all the paperwork to him to prove that all I owed was the {$150000.00} & {$55000.00} the loan had come due. Because I did not have {$55000.00} to pay it off, I continued to make my usual payment of {$1000.00}. After 3 months, that person 's supervisor looked over the paperwork & saw the error but then I was told they could n't renew my loan because I had a low credit score. I had perfect credit until PNC Bank screwed it up by not knowing how to read a credit report. It finally went thru a loan modification department & I was told HELOC would be closed & converted to a signature loan @ 1 % until it was paid off & the lien would be removed from my house. I recently tried to re-fi my mortgage since my credit score has improved & the rates are low. When my bank ran my credit report, it showed the HELOC was still open & I had a {$57000.00} credit limit. After repeated phone calls to MANY people, I finally got a letter that stated the loan was closed. I gave that to my bank but now the title search shows PNC Bank still has a lien on my house. That lien will affect the rate I can get on my re-fi.
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the XXXX credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : 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
Product: Credit reporting or other personal consumer reports

unauthorized use of my personal information by transunion specifically their actions in including or modifying entries on my credit report without my expressed written consent. These actions violate consumer protection laws, including the Fair Credit Reporting Act ( FCRA ) and relevant provisions under 12 CFR 1022.3, which define identity theft and emphasize the need for proper authorization when handling consumer data. Without my prior written consent, credit bureaus have added, modified, or retained the following items on my credit report : 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 XXXXXXXX including all hard inquires and any negative accounts that may not be above and all hard inquiries 15 U.S. Code 1681c2 - Block of information resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of 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 by such agency Also, 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I requested multiple methods of verifications for accounts you claimed were verified and the information is still incorrect or incomplete on multiple accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I continued to run into delay and snare statics to remove inaccurate and false information on my credit report from the CRA and furnishers such as personal address despite provide prove 15 U.S. Code 1681s2 A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.

If a consumer submits an identity theft report to a person who furnishes information to a consumer reporting agency at the address specified by that person for receiving such reports stating that information maintained by such person that purports to relate to the consumer resulted from identity theft, the person may not furnish such information that purports to relate to the consumer to any consumer reporting agency, unless the person subsequently knows or is informed by the consumer that the information is correct.
Product: Credit reporting or other personal consumer reports

My credit report contains inaccuracies involving hard inquiries I didnt authorize, in violation of 15 USC 1681c-2. Kindly ensure these unauthorized entries are removed.
Product: Mortgage

I worked with XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX ( XXXX XXXX ), XXXX XXXX send M & T Bank a total of {$71000.00} to being my account up to date and for me to continue making payment. XXXX M & T Bank only credited my account {$70000.00} which makes its short {$770.00}. I already tried correcting this with M & T bank and all they tell me is that I have to call XXXX XXXX. XXXX XXXX sent me a receipt that they paid {$71000.00}, however M & T bank is refusing to properly credit my account. I have spent numerous hours in the phone with M & T Bank and they dont do anything, the representative seem to lack knowledge and all they tell me is they cant do anything. My case has been escalated numerous time, but nothing results of it Im so frustrated that I dont know what to do. I need your help. Im tired of dealing with M & T Bank, they are the worst.
Product: Money transfer, virtual currency, or money service

I purchased a cashier 's check for US {$29000.00} on XXXX Two years later, I went to get a replacement at a Chase branch. The teller pointed out that the cashier 's check does not expire for 7 years. In fact, the cashier 's check reads " VOID AFTER 7 YEARS '' right next to the date of issuance. 
I went back in early XXXX XXXX XXXX to acquire a replacement for this cashier 's check and I was told my money was considered abandoned after 3 years and sent to the state as unclaimed property. If I wanted to get my money back, I had to start a claim process with the state of California and wait 6 months. 
I was never told that it expired after 3 years. None of the documentation states anything about 3 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

0n XX/XX/2022 I filed an Experian credit dispute requesting the Creditor provide documentation validating the reported debt on my credit report. The creditor failed to respond to me or provide the requested documents to Experian. 

Experian Failed to investigate, and came back a week later with no investigation or resolution and closed the dispute. 


Experian refused to process a 2nd and 3rd dispute request on the issue. Creditor failure to provide documents to validate the claim being reported. Experian failed to investigate the claim.
Product: Credit reporting or other personal consumer reports

Today, XX/XX/, XXXX XXXX reported my TransUnion score dropped XXXX points. XXXX XXXX shows why a change occurred ; it shows that there were 6 changes. However, none of the 6 changes that occurred can reasonably be what caused a XXXX point drop. The 6 changes were : a balance increased {$190.00} on one line of credit account ( not a major change to trigger a XXXX point drop ) ; a balance decrease on two separate credit cards ( I emphasize " decreases '' ), and 3 name of creditor changes ( each was for the same creditor though, XXXX ). This is very strange. I have screenshots to share. In sum, one {$190.00} increase on one line of credit, 2 decreases on two separate cards which are a good thing, and 3 name changes should not trigger a XXXX point drop in a TransUnion credit score.
Product: Mortgage

Wells Fargo has been offering me Forbearance from the beginning of the Covid19. They called me in the middle of XXXX to offer me forbearance on my payments. They told me the payments would be added to the back of the loan at the end of the forbearance plan. They said I had 12 months of help from the CARES Act. They also called me in the middle of XXXX to offer me 3 more months of help. Stating that I had 9 more months to go. In the middle of XXXX, I spoke to 2 different Customer Service representatives just conforming the help for the following 6 months and both of them confirmed that I had 6 more months of Forbearance. I have been making financial decisions based on this for the last few months, Obviously, I need the help and I am grateful they offer to help me during these tough times. On XX/XX/XXXX I received a call from XXXX XXXX ( Home Preservation Specialist ) She stated that Wells Fargo made a mistake by calling me and offering the forbearance plan for 12 months. They said I was only supposed to get 6 months and that I needed to pay back for the months I did not pay which would include XXXX, XXXX, and now XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I owned my CapitalOne credit card since XX/XX/XXXX ( 100 % payments, never late ). In XX/XX/XXXX I have changed my name, which I have informed CapitalOne and they send me a new card with my new name ( not sure if it's relevant, but that was the last time when capital one stopped reporting on XXXX XXXX ). 

Problem : In XX/XX/XXXX I have been informed on XXXX that my credit score dropped 50 points ( just made my 100 % payment before the due date, no other changes were made to my accounts at that time ). When I studied closely my credit report on XXXX, I have found that CapitalOne payment was reported from XXXX, and also myXXXX XXXX card reported ( only on XXXX ) debt over my credit limit. However, my financial aid ( latest  from summer XXXX ) was reported correctly and other XXXX XXXX was also recorded correctly. The XXXX website mentioned that thay have pulled the information from XXXX  credit report company. I have immediately checked my XXXX account, where everything was correct. I have also pulled my credit reports from XXXX, XXXX and XXXX where everything was also correct. 

To sum up, everything was completely correct, beside XXXX XXXX report of my Capital One account ( not reporting from XX/XX/XXXX ), and the amount ( even over my credit limit ) of my XXXX XXXX which I haven't used for over a year. 

So, I have been advised to send a letter explaining this problem to CapitalOne, which I did. Nothing happened until XX/XX/XXXX, when I have try to use my credit card, which was declined. I immediately called Capital One. I have called them 3 times more to Capital One. They told me that my account was closed, so they can't tell me anything. I have even been promised by manager to call me about this problem. Later, I have received a letter that they find my claim FRAUDULENT (? ) and they will close my account. 

I have tried contact Capital One again after I have received the letter, and I have been told : " We have been advised to not to tell you anything ''. 

I understand that credit card companies can close an account without a reason, but I want to know WHAT WAS FRAUDULENT? As my credit score dropped 100 points, I want to know what actually happened?
Product: Checking or savings account

I wrote my mortgage check to XXXX for {$4100.00} on XX/XX/2023 and mailed it on XX/XX/2023. I learned on around XX/XX/2023 by the USPS by mail in a form letter that envelopes had been stolen and mail was lost and there was an ongoing investigation. On XX/XX/2023 I received a letter from XXXX for a late payment. I then learned that the check had been cashed and eletronically deposited by a XXXX XXXX, not XXXX. I showed all this information to Citibank but they still have not reimbursed me for the stolen and cashed check by another person and not my mortgage company. I have had to pay this fee twice in the month of XXXX causing me much disruption.