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

On XXXX XX/XX/2019, I requested BB & T Bank close my banking accounts and transfer my full remaining balance to XXXX XXXX. I received a confirmation email on XXXX XXXX that said my checking and savings account were properly closed and the wire transfer to XXXX in the full amount of all accounts was completed. 

On XXXX XXXX, I received a notice from BB & T that my account was overdrafted from a pending transaction and received an overdraft fee of {$36.00}. I spoke with BB & T about this matter, and they assured me a mistake was made on their behalf in leaving the account open and they canceled the overdraft fee. Furthermore, I paid the remaining balance from the pending transactions on my accounts and was told that all accounts were officially closed ( for a second time ). 

On XXXX XXXX, I received a letter from BB & T notifying me that I owed {$.00} -- " charged from interest '' -- and my accounts still were not closed -- despite the facts that I had been told on two separate occasions that they were and that I had paid my accounts in full on XXXX XXXX. 

BB & T refuses to conduct any of the account-closing measures over the phone, forcing me to come in person to close the account. 

BB & T 's failure to close my accounts and cooperate over the phone constitute harassment for moving business to a rival bank. BB & T has lied twice about closing my accounts and failure to do so has cost me time away from work and family and has made the transition from one bank to another as difficult as possible. BB & T 's employees are not helpful, have been rude with me over the phone and in person, and refuse to close my accounts as a punitive measure for moving to another bank.
Product: Debt collection

Hello I sent a debt validation letter to Capital One on XXXX XXXX 2017. They have not responded with any documentation with my original signature.
Product: Credit card or prepaid card

On XX/XX/2023, I received a notification from my credit bureau that my credit rating has decreased. This was due to citizens bank decreasing my credit limit from {$20000.00} to {$7600.00}. This created a windfall of negative results for me. For example, it created an increase in minimum payment from {$53.00} to {$200.00} ; a credit bureau utilization change from less than 30 % to 95 %. This decrease resulted in a decreased credit rating with all three credit bureaus.

I received to date no notification from Citizens Bank. I called them to inquire and spoke with the most insensitive manager in creation a XXXX XXXX XXXX, XXXX. He explained that the automatic payment of {$30.00} they received did not cover the minimum payment of {$53.00} so they lowered my credit rating as a result. Today I did not receive a phone call or letter from Citizens bank. I was not assessed a late fee for the four day late payment. The banks report to the credit bureaus for 30 days late. Citizens reported a credit decrease instead which is more damaging to my credit rating. Is this how Citizens Bank treats their good customers? Penalties for being four days late for {$23.00}? All I needed was a courtesy call or a letter stating the payment wasnt satisfied. This is an easy resolution as I have enough funds in my checking account to cover it. This was an easy resolution. While visiting my branch office, a Citizens bank officer offered me this credit that I did not initially request or need. They gave me a $ XXXX credit limit only to snatch it away on a technicality. I ask again is this how good customers are treated? Furthermore, there is no one to contact except writing to the office of the chairman. There is no customer advocacy group to call no email address to write to, only an insensitive manager to speak to. Your prompt response will be greatly appreciated. 

In addition, I visited the XXXX NY branch on XX/XX/XXXX, since their representative initially offered me the credit card. They contacted the credit department, who sent me a letter, finally, in an email. I received notification of what happened to my credit line and that the {$23.00} payment was four days late. In conclusion, I lost my credit line, got a reduction with all three credit bureaus for an error in payment amount. 

XXXX XXXX Citizen Bank Customer Credit Card ending in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

While checking my most recent credit report, I noticed credit inquiry that I did not authorize and made by the following companies investigate the following information. 
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 
Please be advised I dont want to receive any stall tactic computerized response in reply to my dispute letters by bureaus.
Product: Vehicle loan or lease

To Whom It May Concern : We have been loyal customers of Santander Consumer USA for over a year and couldnt be happier customers. Unfortunately, in XXXX of 2018 we experienced a life changing blessing and a hardship at the same time causing us to fall behind on monthly payments. It was an exceptionally busy time in our life as we were balancing the birth of our XXXX  child in 4 years ( ages XXXX, XXXX, and XXXX  months ). Our newest child was born on XX/XX/18 XXXX XXXX ( joint account holder ) was on FMLA XXXX  leave for 12 weeks XXXX and I was on FMLA XXXX leave for the month of XXXX with NO PAY causing us to fall behind on rent, groceries, and Santander car note. Now that we are both back at work, I honestly could not associate with the person that let this payment obligation go unattended I fully respect our obligations with Santander Consumer USA and have worked diligently to amend my relationship with you by regaining your trust. A brief look at our account will reveal that our account status is current and furthermore we have enrolled in monthly auto pay to prevent any future issues. 

We have begun search for a home and a much larger vehicle due to our family growth. We are currently undergoing credit repair and plan to use Santander USA in the near future to finance a new truck. The attention that our late payments with Santander USA may negatively affect our chances of obtaining a home and new  truck. 

In light of our renewed focus and demonstrated commitment to rebuilding our trust with your company, We are requesting that you give us a second chance at a positive credit rating by revising the 3 late payment ( s ) as reported on our three major credit bureau files ( XXXX, XXXX, and XXXX ). I sincerely hope Santander Consumer USA believes in their customers and I humbly request  your consideration to allow me to pursue the home and truck of my dreams. I appreciate your time and look forward to receiving a favorable decision from you department soon. I have tried calling and speaking with someone at your customer service department but they have been very rude and careless about my situation. 

Regards, XXXX XXXX & XXXX XXXX In addition we can provide all documentation that support our claims upon request ( FMLA forms, check stubs, rent receipts, etc. )
Product: Credit reporting, credit repair services, or other personal consumer reports

There was an issue with report where XXXX XXXX reviewed my account and recorded calls. I made payment on my account within the30 days and XXXX XXXX reported late. This was an error because payment was made on time. Also there has been issues where I transfer pmt from my checking to my credit and wells fargo reverses the pmt. This causes issues and risk my account being delinquent when pmt was arranged on time. 

It looks like the issue was resolved with XXXX but equifax and experian still is reporting as late and that's not accurate for XX/XX/2023 pmt reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im checking my credit report and it shows my identity was stolen on the dark web please help
Product: Checking or savings account

On XX/XX/year> at XXXX XXXX an unauthorized transaction in the amount of {$3000.00} was transferred from my checking account into my cashapp account, where the money was then transferred into a person XXXX account. I did not authorize this transaction.
Product: Debt collection

I am filing a complaint with you because the XXXX Police Dept. advised me to do so. I received a letter from West Asset management today XXXX/XXXX/15 about a XXXX debt I am suppose to owe University XXXX Acct # XXXX. I have no knowledge of this debt. I contacted them by phone today and requested documentation proving I owe the debt and that I would happily pay once proof was received. All I got was that I owed money and that they were going to put in some sort of dispute status. I had been contacted a few months prior to this by this company and had the same conversation, show me some proof that I owe this debt and I will pay. I never heard back again until now. The fact that they seem unwilling to give some sort of proof that I owe this debt sounds real suspicious to me and prompted me to call the XXXX Police. They referred me to you. I have a letter from them here and would like to fax a copy to you, just do n't know where. You can contact me at XXXXXXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX, or text/call XXXX ( leave a message, I work night shift I will get back to you ). Please look into this for me and let me know how I can be of assistance in helping resolve this issue. Like I said before, If I owe this debt then no problem paying it, I just need more than an anonymous phone call, official looking letter head, and a menacing tone of voice to prove that I owe. I am just afraid this might be another scam to pressure me into paying debts I do n't owe. Thank you very much.
Product: Debt collection

I am writing to address the late payments that are currently listed on my credit report. After reviewing my credit history, I have noticed that there are several instances of late payments reported for the following accounts XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX
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 federal protected customer rights to privacy and confidentiality under 15 USC 1681. 

XXXX bank 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 XXXX XXXXXXXX # XXXX XXXX XXXX XXXX # XXXX # 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 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 items 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

Disputes were filed with all three credit bureaus, outlining my issues. XXXX removed the Collections Account after verifying that the terms with the original creditor were invalid and illegal, however XXXX and Equifax merely validated that the original account was mine. I explained to XXXX and Equifax that the issue was n't that the account did n't belong to me, but that charges and contracts were added to the account that had not been agreed upon. Information is as follows : Original Creditor : XXXX XXXX added a contract onto my account after I explicitly told them I did n't want one. XXXX has record of this, but claims I agreed to a contract when I called to remove phone service. I told them that due to me only remaining in the area for a few months, I COULD NOT have a contract on my account since XXXX did n't service my new location. XXXX went into my account a month later and illegally added a contract to my account without ever notifying me. When I went to terminate my services there was no mention of a contract or early termination fees ; they even told me that I would be receiving a credit on my account! After receiving the final statement two weeks later, I found an early termination fee and a non-returned equipment fee. I called customer service and the representative told me that they would waive the fees, since a contract had never been agreed upon. ( This is all in my account notes and recorded phone calls that XXXX will not release to me. ) Two months later, I received a letter from the first collection agency due to the aforementioned and allegedly removed fees. XXXX had gone back into my account and re-added the fees, claiming the CSR who removed the fees did n't have authorization to do so. This debt has been passed to XXXX different collection agencies and successfully disputed each time. XXXX and Equifax refuse to look into these details outlining the illegality and illegitimacy of this account. Furthermore, XXXX is reporting this account as 90 days late, even though I NEVER had an agreement with XXXX XXXX, or any other collection agency. 

Disputes with these credit bureaus have gone nowhere, since the bureaus refuse to do anything more than validate ownership. I have never been late on any account, and have never missed any payments. I monitor my credit very closely, so it 's appalling to have this matter treated so lackadaisically.
Product: Credit reporting, credit repair services, or other personal consumer reports

I like to file a dispute for unidentified fraudulent items on my credit report for the following : XXXX XXXX XXXX XXXX XXXX. The ID Theft report number XXXX and attached is a copy of the ID Theft Report with this complaint. Please review.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX investigation by CFPB that closed XXXX, XXXX for an alleged debt owed to XXXX XXXX XXXX XXXX reported in XXXX was re-aged on my credit reports by XXXX XXXX XXXXXXXX. This is not allowed under the FCRA 623 ( 5 ) ( A ). Furthermore, XXXX XXXX XXXXXXXX continues to report this alleged debt that is not owed by me and XXXX XXXX  XXXX has not been able to prove that I owe this debt. In fact, XXXX XXXX XXXXXXXX owes me {>= $1,000,000} that they refuse to return to me. This is under investigation with the FBI and state law enforcement and the FTC. Please inform XXXX XXXX XXXX that they are not permitted to report debts not owed to them nor are they allowed to re-age alleged debts.
Product: Checking or savings account

My bank account is Chase Bank my checking account number is XXXX. Bank routing number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Name of the bank is Chase Bank located in XXXX XXXX XXXXXXXX. I am dear client my name XXXX XXXX. My XXXX XXXX XXXX XXXX XXXX XXXX XXXX New York XXXX. 
deleting on the bank is retaliating on me for taking out for reporting them for taking money out of my account they have withdrawed over {$450.00} out of my account I did a withdrawal eight times from my bank account which should have left a balance of XXXX into the checking account but when I look XXXX dollars the bank of no intention to return back the money. As well as their retaliating on me for reporting them for taking money from out of my account they have consecutively look to steal money from my account with no disregards for their fiduciary duties and no disregards for coming ethics as well as disregarding the FDIC knowing that they can have financial discipline action taken against them for looking to steal money from out of client 's phone but actually accessing my personal bank account and withdrawing money not fees but actually withdrawing {$450.00} out of my account is a blatant robbery slapping me in the face to show me that they are a bank and they have no regards in regards to any guidelines or any discipline actions that can be taken by the FDIC against them for looking to go against their fiduciary duties and to commit fraud against their client and to show me that they while I'm out of the country can arrest and stress and also try to make my life in a more economic hardship way given the fact I'm out of the country during the time of Corona and have no way to go to them and speak with them they are taking multiple levels of advantage as well as constantly stealing money from the account. So I'm making this complaint because if they touch my money with a one or 10 time I will discipline them one or 10 time until they get it that day are supposed to do their duties and do their fiduciary job and not steal from their clients. 10 times I did withdrawal from my account so I was able to notice that the bank was taking money from the accounts. All of this toke place in this month of XXXX from the XXXX
Product: Credit reporting or other personal consumer reports

These late payments are not reflective of my regular payment behavior.
Product: Debt collection

I am getting notices from Cedars Business Services trying to collect on a debt that is not mine. They are trying to collect {$840.00} for a debt that they say I have with XXXX. I do have an account opened with XXXX but the debt is current and up to date. I am unsure what the debt they are trying to collect is for. I have disputed this debt and they continue to report it in my credit report.
Product: Credit reporting or other personal consumer reports

I disagree with account listed below which still appears on my credit report, even after your investigation. I would like this inmeditely re-investigate. The inaccurancies are highly injurious to my credit score. 

Equifax : XXXX XXXX XXXX- Account Number : XXXX TransUnion : XXXX XXXX XXXX- Account Number : XXXX
Product: Credit reporting 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 correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX Balance : {$59000.00} XXXX XXXX XXXX XXXX Balance : {$38000.00}
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following Inquiries. Block and remove it. 
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 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
Product: Credit reporting or other personal consumer reports

As of XX/XX/year>, I disputed that XXXX had XXXX off my account and a balance remains on my credit report with Experian. I have received a XXXX from XXXX and for this charge off debt. It is my understanding that the balance would reflect {$0.00} when an account is listed as a charge off.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Debt collection

Disputes and letters have been sent to the creditor CBNA, Sears, Macy 's and XXXX  XXXX  since XXXX of 2020 until XXXX XXXX a a police report has been provided to creditors and credit bureaus.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX : {$24000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 

We've talked to the bank & they've agreed to remove the accounts. BUT TransUnion has some internal block which they're claiming they can use to not block the accounts because they feel they're above the law. When questioned why they're not accepting the Identity Theft report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the Identity Theft report ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... 
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