23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Signed up for a new credit card and they said it would not affect my credit score and they pulled a hard inquiry on my report
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted complaint about my credit report having erroneous collections on them. The collections were removed but my credit score was LOWERED 20 points. No negative entries only decreases in balances
Product: Bank account or service

I contacted my bank ( Wells Fargo ) regarding a debit from my account from XXXX that I did not authorize. I filed a claim for {$220.00} then {$90.00}. I was issued a temporary credit while they investigated. On XXXX, I received a letter stating the investigation was closed and I authorized the transaction. The letter stated I could call the number and receive documentation that made my bank reach that judgement. The letter also stated that the temporary credit will be reversed " 5 business days after XXXX/XXXX/15 ''. I called customer service to get information about my claim. I was told that it was closed but they still are in arbitration with XXXX and I may in fact get my money back. They told me that XXXX has until XXXX XXXX to respond again. I asked if they are still working to get the money back, why are they needing to reverse the credit. I was told that at that point they had to. No real answers. On XXXX/XXXX/2015 after XXXX, the credit was reversed. I had outstanding debits because I was expecting them to reverse the credit when they said they would. I called and requested to speak with a manager. I was told they will have a manager call me back within 24-48hrs. No call back. I received a bill from XXXX, showing where they reversed the payment of {$220.00} and put it back on my bill. I contacted customer service on XXXX, letting them know that XXXX reversed that. I wanted to know why if XXXX reversed it, why is my bank stating that the money was with XXXX. I also let them know I never received a call from manager. The representative stated no one was available to assist me since it was escalated to manager, so I must wait for a call. She put in a XXXX request. This is XXXX and I still have n't heard anything.
Product: Money transfer, virtual currency, or money service

On Saturday, XX/XX/2022 I received a text message from " BofA Support Dept '' that listed two transactions, one of which was a XXXX transaction for {$3500.00}. It said " If you recognize this activity, reply Yes. If not, reply No. '' As done in the past whenever there has been suspicious activity on my account, I responded No. I received an immediate text from " BofA Support Dept '' saying that I would receive a call shortly. I received a call two minutes later from a woman who identified herself as a Bank of America rep. I also looked at the phone number that called me from ( XXXX ) XXXX and it matched one of the phone numbers listed on the back of my Bank of America debit card. The call followed the same pattern as my previous experience with Bank of America. The rep walked through a few transactions and asked if I made them. She also asked if I was traveling. She stated that they would be sending me a replacement debit card via XXXX XXXX ( which is what they've done in the past ). Then she stated that there was a {$3500.00} XXXX transaction to a " XXXX XXXX ''. I let her know that I did not know a XXXX XXXX and didn't authorize any XXXX transaction. She said that in order to reverse the XXXX transaction, I needed to log into my bank account online and follow her instructions using the case number, which I did. The call lasted for approximately 35 minutes. However, after our call ended I did not see any XXXX reversals ( only several XXXX transactions totaling {$3500.00} withdrawn from my checking account ), so I called Bank of America. Unfortunately, I learned that the office was closed for the evening. That's when I realized that I was a victim of fraud in the amount of {$3500.00}. I called Bank of America back at XXXX PST ( they open XXXX EST ) the very next day ( Sunday XX/XX/XXXX ) to file a claim. The Bank of America rep told me that the bank does not provide a credit back for XXXX transactions. After repeated calls and follow up calls to the claims dept., I found that the funds were sent to an account at XXXX Bank. Despite the fact that the XXXX XXXX Police Department classified it as fraud / obtaining money by false pretenses ( police report attached ), Bank of America sent me a letter stating that my claim was denied. A rep explained that they view the XXXX transactions as being approved by me, even though I wasn't approving them. I was following instructions provided to me by someone spoofing a Bank of America phone number and impersonating themselves as a BofA employee. I was shocked to hear from Bank of America that there are no protections from BofA for XXXX fraud. As a longtime customer of Bank of America for over 10 years, I feel that this is wrong. I filed a police report on XX/XX/2022 ( see attached ). 

Thank you, XXXX XXXX
Product: Debt collection

This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
Product: Credit reporting or other personal consumer reports

I PULLED MY TRANSUNION CREDIT REPORT AND NOTICE SEVERAL FRAUDULENT ACCOUNTS THAT SHOULD NOT BE REPORTING. I TRIED CALLING THE CREDITORS SEVERAL TIMES AND SEND OUT DISPUTE LETTERS. NO RESPONSE WAS MADE. I NEED ALL ACCOUNTS REMOVE In accordance with the Fair Credit Reporting act XXXXt Account # XXXX, has violated my rights. 

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 In accordance with the Fair Credit Reporting Act XXXX the accounts listed on my attachments has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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

Delete the account XXXX XXXX XXXX from my Credit Report. A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

15 USC 6802b I was never given the option to opt out which is illegal. Also it is my right to receive an explained nondisclosure option and this was never given.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously disputed these items and havent gotten a response its been over 30 days. I have an XXXX $ collection that I didnt approve of, I've taken every action I could think of.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Louisiana XXXX XXXX SS # XXXX DOB # XX/XX/1980 To who it may concern, The information contains my XXXX Report and LexisNexis Report, the credit reporting agencies is not reporting accurate information. As I call the agencies it was stated they do not reach out to the creditor they use whats in there database to confirm from each other ( LexisNexis feeds off XXXX and XXXX Feeds off LexisNexis ). Inaccurate way of doing things and a fraudulent way to keep thing on my report. I am asking for these agencies to do a full investigation with the creditor or a full deletion. This is not ethical at all and what the agencies is doing is fraudulent Please read all information. Thanks You are in Direct Violation of the Fair Credit Reporting Act which has been violated several rights.

15 U. S. C 1681 section 602A. Clearly states that 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 1666B : A creditor may not treat a payment on a credit card account under and open-end consumer credit plan as late for any purpose.

Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act. 
I am Requesting all these be deleted : 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: Debt collection

XXXX XXXX  for Dell Pay. Refuses to contact my lawyer. Repeatedly calls my employer when told not to contact them. Will not give me information in an understandable way.
Product: Checking or savings account

On XX/XX/2024, the bank issued me a notice stating : " The bank has decided to close your account without providing any reason. '' I have always maintained my account in good standing, adhering to all the terms and conditions set by the bank. This sudden and unexplained decision has left me feeling frustrated and perplexed. Furthermore, I suspect that this action may be rooted in discriminatory practices against certain customers, raising serious concerns about the bank 's commitment to fair and equitable treatment for all. This experience has not only caused me financial inconvenience but has also shaken my trust in the institution 's integrity and transparency.
Product: Credit card

I am XXXX, draw Soc. Sec. and live XXXX sometimes. I have a credit card account with Discover ending in XXXX. I was having problems paying the account and I entered into a hardship program with Discover in XX/XX/XXXX. They took my XXXX information and the account number. They read me a statement that I agreed to pay {$150.00} a month from XXXX XXXX XXXX XXXX, account ending in XXXX They have removed payments of {$150.00} a month from that account from XX/XX/XXXX until XX/XX/XXXX. I pick up my mail from my daughter 's. I picked up my mail on XX/XX/XXXX. There was a XXXX and XXXX Discover statement listing nonpayment, late fees, etc. I called Discover and the lady explained that they sent in request for payment in XXXX to my XXXX XXXX XXXX XXXX, account ending in XXXX. I explained that the account number is XXXX. Where did they get this XXXX number? I had an old XXXX account ending in XXXX but it has been closed for over a year. The woman could not explain where the XXXX number came from ; she could not check to see who had been in my account and made changes ; she could not reinstate my old payment plan I agreed to in XX/XX/XXXX. Discover made unauthorized changes to my account and they are telling me it is my fault. I had to pay all late fees, over the limit fees, etc. plus an increased monthly payment. I did not contact Discover and change the agreement I agreed to in XX/XX/XXXX. I did not authorize a change in account or account numbers from the ones I agreed to in XX/XX/XXXX. Discover supervisor XXXX XXXX said she would look into it and I should call back in two days. Somewhere, Discover went in and made unauthorized changes. What can be done to correct this and ensure it does not happen to someone else? I did n't think Discover could make changes to your account without your approval/agreement? Please help. I feel like this is unethical business practice from Discover Credit Card to defraud a customer.
Product: Checking or savings account

In order to enter a XXXX XXXX, you have to hire an escrow account manager. On XX/XX/year>, all of our accounts were frozen & XXXX claimed that Captial One Bank did it & is changing our account number. They sent out an email stating that we'd have access to our money on XX/XX/year> although that never happened. Then all their employees disappeared, no one answers the phone or emails & we only get an automated response, now their address appears to be fake. There are XXXX XXXX, transferring, delivering, procedures taking place & none of us have access to our funds. Captial One Bank refuses to tell us if the account even exists or whether they indeed have our money on freeze because we're thinking that our money has been embezzled. We have {$34000.00} in our account & a transfer scheduled Friday without access to any of our funds. The escrow account is XXXX of XXXX in the United States & the average cost of a XXXX XXXX  is between $ XXXX {$300000.00} so they have hundreds of thousands of dollars of people 's money on freeze or missing completely & nobody will talk to us.
Product: Credit reporting

XXXX updated remarks on all credit bureaus including TransUnion. This report was not updated as it states " settled - less than full balance : closed '' XXXX sent letters to TransUnion. XXXX updated this matter XXXX XXXX, 2016. 

This needs to be updated accordingly. 

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

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 XXXXXXXX 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.

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: Student loan

Monthly payment changes- says I have to pay $ XXXX a month. When I spoke to a representative on the phone, they stated my monthly payment should only be closer to {$200.00} a month. 

On top of that, interest started and they didnt bother to notify it would be starting back up. 

PLUS everytime I try to renew my XXXX, somehow my documents dont get submitted when I was approved the first time Ive applied. My employment is federal, and I should have my payments approved for XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is reporting status of account incorrectly to XXXX, XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I made my Car payment for XXXX and XX/XX/2018 at the same time and TD AUTO FINANCE did not apply my payment for XXXX and placed a late payment on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX, XXXX, and again at the beginning of XXXX I submitted paperwork directly to the bureau not only from the court, but also from XXXX XXXX, and XXXX  .... all showing that the bankruptcy listed on my credit report should be removed. Each time submitted i have received a " canned '' response from the bureau without one once of proof of this public record being filed by me, with any signature, with any paperwork, with any address ... no proof. This has been requested on multiple occasions although i have provided proof myself that the bk are not mine. Ive wrote, faxed, and called with no error being fixed. 
I know the response is canned and standard that i receive due to the bureaus saying it was verified to THEIR company citing the exact places that ive sent them directly. Its insane.
Product: Mortgage

The loan servicing company continues to change the reinstatement dates. They refused to comply with XXXX  guidelines the XXXX  was sent XX/XX/2023. The 60 days had expired and they are in default. I sent a notice if default and they have not responded.. I questioned all of the fraudulent robo signed assignments filled in XXXX XXXX XXXX. I also requested for a loan modification
Product: Money transfer, virtual currency, or money service

My account was put on review on XX/XX/21 and since then I have not been able to use my account in coinbase, without being able to withdraw the funds entered into the account. I tried to contact them but according to them there was no problem in my account
Product: Credit reporting or other personal consumer reports

My personal information was breached in the XXXX data breach. Adverse information was furnished to my consumer XXXX report. Please review the attached items for more details. I expect these fraudulent accounts to be removed in XXXX business days according to the FCRA
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, I successfully completed the payment arrangement and no longer have an outstanding balance on my account, I want it deleted on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 XXXX XXXX suggested I applied for a Capitol One Credit Card, through XXXX XXXX, to help improve my credit score. The website also stated, my chances for approval was good and shouldn't drop my credit score no more than XXXX points. So, I applied and was APPROVED for a credit card. This one hard credit inquiry, decreased my credit score with XXXX by XXXX points. I tried to locate a number for XXXX XXXX to speak with a personal customer service about my concerns. But could not locate a contact number on XXXX XXXX 's website, nor any assistance with this type of complaint. I've spent hours today XX/XX/2022 talking with XXXX and Capitol One representatives for an explanation to why my credit score dropped so significantly. Hours on the phone with both agencies have not given me an explanation to why my credit score dropped XXXX points.
Product: Debt collection

VALIDATION AND CEASE AND DESIST Re : XXXX XXXX XXXX XXXX  XXXX XXXX. 
XXXX, XXXX XXXX Account # : MIDLAND CREDIT MANAGEMENT : XXXX XX/XX/2024 Dear Sir : I received a debt letter from you. Do you have the right person? Can you supply me with a contract or agreement signed within your company or the Creditor. 

PURSUANT TO THE FDCPA, I WOULD LIKE THE FOLLOWING PROVIDED : THE NAME AND ADDRESS OF THE ORIGINAL AND CURRENT CREDITOR VERIFICATION OF THE DEBT AMOUNT THAT YOU SEEKING TO COLLECT SHOWING THAT A CONTRACT EXISTS CREATE THE AMOUNT YOU CLAIM IS OWED. 
ALL THE ASSIGNMENTS SHOWING THE DEBT TRANSFER FROM THE ORIGINAL CREDITOR PLEASE PROVIDE ME WITH PROOF THE DEBT WAS SECURITIZED BY THE ORIGINAL CREDITOR PLEASE SHOW THE ASSIGNMENT OF THE DEBT FROM THE ORIGINAL CREDITOR TO THE SECURE TRUST AND THEN BACK TO THE ORIGINAL CREDITOR PLEASE CEASE AND DESIST FROM COLLECTING ON THIS DEBT UNTIL YOU HAVE VALIDATED THE DEBT. 

Please do not look at my credit report or report anything to my credit. I dispute I owe this debt amount to you and that dispute should be stated on my credit report if you have reported the debt. 

PERMISSIBLE PURPOSE Please state why you have permissible purp [ ose to contact my credit. I dispute this. IF YOU PASS THIS ON TO ANOTHER COLLECTOR I dispute I owe this debt to you. If you pass this on to another debt collector, please provide them notice of my dispute to owing this debt. Thank you for your immediate cooperation. 

XXXX XXXX XXXX.
Product: Checking or savings account

On or about XX/XX/XXXX, I mailed a check for {$35.00} payable to the XXXX XXXX XXXX XXXX ( along with my holiday cards ) in the mailbox outside the post office on XXXX XXXX in XXXX XXXX, NJ. This mailbox was emptied by thieves at some point in the next XXXX XXXX. I filed a complaint with the US Postal Inspection Services at the time ( CCC Case No : XXXX ). 

My check was then altered to be made out to a different party ( XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) for a much larger amount ( {$9500.00} ) and deposited into a Bank of America account. Funds were taken from my XXXX account on XX/XX/XXXX. I notified XXXX as soon as I noticed the issue and completed all necessary forms and provided a picture of my check register showing the original check recipient and amount. 

As of today, XX/XX/XXXX, I have still not received the funds back from Bank of America. 

I have reached out to XXXX many times in the 9 months since this fraudulent activity has taken place and they continue to tell me they are waiting on a response from Bank of America. 

Please help me get my hard earned money back. I am happy to provide whatever you need to help you plead my case. As you mention not sharing any confidential information on this forum, please contact me directly at XXXX if you want me to provide the supporting documentation that I have. 

Thanks in advance, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am not being provided with evidence of the information you are reporting about me is both 100 % accurate and fully verifiable per the FCRA. You can not legally report anything about me if you can not prove it.
Product: Student loan

Payments are being reversed every month and interest is being charged on the full balance. 
XX/XX/2023 : {$300.00} paid and reversed XX/XX/2023 : {$220.00} paid and reversed XX/XX/2023 : {$500.00} paid and reversed
Product: Credit reporting or other personal consumer reports

I just obtained and reviewed the copy of my credit reports. It seems that the Bureaus are reporting Inaccurate information resulting to lower my credit scores. 

Please see the attached XXXX  file on this complaint. These are the letters I submitted to the involved Bureaus and my personal documents attached to it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had my XXXX  XXXX account for two years. I have never been late on the account until XX/XX/2020. I had automatic payments set up for the second day of every month. For XX/XX/2020 the automatic payment was made XX/XX/XXXX and then another payment XX/XX/XXXX. Payment conformation for both payments. I then closed the bank account on file due to current pandemic. Payments were reversed and I was unaware until I received the XXXX monthly statement. I took care of the issue immediately paying over half of the balance as well as updating banking information on file. I contacted XXXX  XXXX directly via phone and email to the CEO of the company. During the first conversation I was told that they didnt see anything on their end of me being late on payment. No late fee, no Delinquent Mark etc. The representative suggested it was a error on the credit bureaus end. I then proceeded to email the CEO. I received a phone call about a week later stating again that there is no late error on their side. They are aware of the payment reversal but there was no late fee or any late marks on the account. I spoke to two different representatives. They both stated that they are unable to fix the 30 day late remark because they do not see it on their end.