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

Bank of America is at it again. I JUST filed a complaint on funds availability on this same account! I am a customer of theirs for over 33 years. 

I opened a new business account about a month ago. I understand new accounts are closely scrutinized - but not existing customers who have been a customer for a THIRD of a century!!! 

I made a {$7900.00} deposit about XXXXXXXX XXXX on Monday, XX/XX/XXXX. I realize this is considered a deposit on Tuesday, XX/XX/XXXX. All I ask is they follow XXXX XXXX. This means two things : 1. {$100.00} of the deposit should be available on Wednesday, XX/XX/XXXX at XXXXXXXX XXXX ( it may even be {$250.00} now. Not sure ) 2. The remainder of the deposit be available Thursday, XX/XX/XXXX. Yet, according to Bank of America, the funds will not be available until Saturday, XX/XX/XXXX due to a hold. 

Again, I have been a customer for 33 YEARS!!! I think I deserve to be treated as an existing customer! 

I have attached the following : XXXX and XXXX : A screenshot pf my account with today 's date and time, showing the hold. 

XXXX  : A front and back copy of the check for {$7900.00} deposited on XX/XX/XXXX. This check is drawn from the exact same client 's account as my two initial deposits of {$1000.00} on XX/XX/XXXX and {$380.00} on XX/XX/XXXX. 

Please get them to release my funds based on XXXX XXXX. Again, I have been a customer for 33 years!
Product: Credit reporting, credit repair services, or other personal consumer reports

I CALLED EQUAFAX MANY MONTHS AGO BECAUSE THEY WILL NOT ALLOW ME TO SEE MY UPDATED CREDIT SCORE AND REPORT THEY STILL HAVE IT ON MY EQUAFAX REPORT AND I WANT THIS " INTERNAL BLOCK '' REMOVED IMMEDIATELY. 
THERE IS NO NEED OR WANT FOR THE INTERNAL BLOCK. EQUAFAX HAS NO ALERTS ON MY CREDIT REPORT NOR DO I WANT ANY ALERTS ON MY CREDIT REPORT AT THIS TIME. FOR ANYTHING RIGHT NOW AND I WANT THIS BLOCKAGE REMOVED ENCLOSED ATTATCHED IS PROOF OF ADDRESS AND MY SOCIAL SECURITY CARD NUMBER, WHICH IS PLENTY OF PROOF OF IDENTITY. THEY HAVE BEEN LESS THAN COOPERATIVE ABOUT THIS AND IM GETTING SICK AND TIRED OF THERE STALL TACTICS. CONSUMERS HAVE A RIGHT TO HAVE REPORTING ACCURATLY ON THERE CREDIT REPORTS UNDER 15 U.S.C 1681 I HAVE THE RIGHT TO HAVE THIS REMOVED EQUAFAX HAS ALL VERIFIATION OF MY IDENTITY ALREADY UNDER THE PROOF OF IDENTITY LIST ON THERE OWN WEBSITE EQUAFAX IS VIOLATING MY RIGHTS AND I WILL CONTINUE WITH AN ATTORNEY IF NEED BE. REMOVE THE INTERNAL BLOCK THAT YOU HAVE ON MY CREDIT REPORT AND ALLOW ME TO SEE MY REAL SCORE BECAUSE I KNOW MY SCORE IS NOT A XXXX. STOP THE STALL TACTICS
Product: Credit reporting or other personal consumer reports

I cant believe what I saw this morningmy credit report had inaccurate accounts, and I have no explanation for how they ended up there. I check my credit regularly, and everything has always been fine, but suddenly, these discrepancies appeared. I thought it might just be an issue with my browser, so I refreshed it, but the errors remained. Its really frustrating and unsettling. Im requesting that the documents Ive submitted be carefully examined so that I wont have to deal with this stress anymore.
Product: Debt collection

This is not my debt, I am NOT the account holder- Over the last year, this company has called me 8 times on my cell, and 4 times on my landline. They ask for me by full name, but then say are trying to contact a XXXX XXXX and ask for any contact info for her. 
I do not know this person. First they claimed she was my mother and that I had to tell them where she was because she owed them a lot of money. I informed them that was not my mother 's name, not even close, and then they said " oh well she is related to you somehow so you need to tell us where she is so we can collect the debt ''. 
Again, I informed them that I do not know anyone by that name, and just because someone shares a last name, doesnt mean they are 'related somehow ' so stop calling. They didn't. I blocked thier number and then they started calling from a new number. They won't stop. I don't have what they want-I don't know any XXXX ( an old co-worker, but he was a man and his last name was XXXX, so that can't be who they arecalling about ). 
I thought maybe this was happening if my credit was stolen or something, but nothing odd is on my reports, so why are they harrassing me about a stranger 's debt? How is this allowed?
Product: Checking or savings account

I am filling a complaint with the CFBP regarding capital ones failure to deposit my direct deposit from my employer and any incoming deposits. Capital one has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure that my rights are upheld. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. DEPTEDXXXX   XXXX {$2300.00} DEPTEDXXXX  XXXX {$4000.00} DEPEDXXXX  XXXX {$2300.00} DEPTEDXXXX  XXXX {$7300.00} DEPTEDXXXX  XXXX {$1400.00} XXXX XXXX XXXX {$640.00} XXXX XXXX XXXX {$910.00}
Product: Credit card

This is a general complaint that I would love to see CFPB take up. I find it outrageous that credit card companies often do NOT show us our running balance on our credit cards. I just called USAA because the numbers were n't adding up and even the friendly guy who answered had to calculate all my expenses one by one because he could not see the running balance. It 's 2015, there 's no reason these banks can not keep a running balance. This only increases the chances for manipulation and is a complete lack of transparency. I think we should make it ILLEGAL for credit card companies to not show the running balance. Thank you!
Product: Credit reporting or other personal consumer reports

On several occasions I froze my Transunion credit report and wasnt froze
Product: Credit reporting or other personal consumer reports

I recently conducted an in-depth review of my credit report, which led to significant emotional distress. During my investigation, I discovered several unverifiable, invalid, inaccurate, and questionable items that your agency failed to ensure were accurately reported.

Under the Fair Credit Reporting Act, all information on my credit report must be fully accurate. According to 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ), these accounts are in violation for not being reported with 100 % accuracy. Please find attached copies of all the letters I have previously sent.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 Under USC 1666b USC 1637 ( b ) 15 USC 1681s-2 15 USC 16811i 12 CFR 1006.34c 12 cfr 1006.6c 15 usc 1671e ( b ) 15 usc 1681s-2 ( A ) UCC 9 Part 6, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus Transunion, XXXX, XXXX . These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across TransUnion, XXXX, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, Transunion, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 


Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through Transunion, XXXX, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$950.00} XXXX  Date Opened XX/XX/XXXX Balance {$2400.00} XXXX XXXX  Date Opened XX/XX/XXXX Balance {$1900.00} XXXX Date Opened XX/XX/XXXX Balance {$1600.00} XXXX XXXX  Date Opened XX/XX/XXXX Balance {$740.00} XXXX XXXX  XXXX XXXX XX/XX/XXXX Balance {$5300.00}
Product: Student loan

XXXX XXXX XXXX is reporting late payments to several of my student loan accounts. During the time late payments are reflecting on credit report my student loans for in forbearance due to financial hardship and loss of employment. Late payments are inaccurately reported with credit bureaus.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or removed. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am distressed that this Bureau has included this information in my credit report profile and I have failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit report they publish, just to favor the credit companies. In this sense, and 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. The accounts below have violated my rights. 15 U.S.C 1681 section 602A. 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 ) ( a ) 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. I request delete the not authorized hard inquiries below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/2022 my account was revised and decreased to XXXX after I made a XXXX payment on my balance XX/XX/2022. I also never had a late payment. Also the decrease makes my utilization very high.
Product: Debt collection

I have had insurance my whole adulthood, and If I ever went to the hospital or doctor, I used my insurance. They saying I went to the hospital ; I don't remember the date. I have asked for numerous of proof and nothing have been sent except collection letters.
Product: Credit reporting, credit repair services, or other personal consumer reports

two inaccurate and fraud account have been reporting under my experian credit reportings, i had disputed before and they were removed, but for some reason they have placed back under my experian again, ( XXXX and XXXX XXXX XXXX ), i will be attaching my FTC report and the police report i have received and delivered to experian as well, please have these two inaccuracies removed from my credit file thank you
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Credit card or prepaid card

Best buy credit card through Citi Bank I changed bank accounts and DELETED my old bank account and added my new one yet their autopay still billed the DELETED account and racked up overdraft fees on my bank account. Almost {$200.00} worth! They even charged my card AFTER I called and told them there was an issue. They refuse to take accountability for their system flaw and keep blaming me. If I DELETE the account from my account it's a pretty big security flaw that they keep it on file and continue to charge it. Now I have to fight with my bank to see if I can get a 1 time reversal on the overdraft fees even though it's not my banks fault it's Citis! This is absurd.
Product: Credit reporting or other personal consumer reports

My credit limit with XXXX  was {$22000.00}. XXXX  let me go over by three times the amount, over {$67000.00}. This is illegal. I have made payments since then. My balance now should be no more than {$10000.00} after subtracting the payments from the limit of {$22000.00} from when I closed my account.
Product: Credit card or prepaid card

In XX/XX/2021 I XXXX XXXX applied for a Chase credit card, I supplied my SS # which is my open end credit card, I was denied in direct contradiction the Consumer Protection laws which were enacted by Congress ; FDCPA, TILA, FCRA to protect the consumer. I responded to the Adverse Response letter which was sent by JP Morgan Chase explaining as much, to this day they have not responded. The letter details their violations of the laws, and includes the remedies I seek. The documents were sent Certified Mail # XXXX and was delivered XX/XX/2021 2021
Product: Credit reporting or other personal consumer reports

I am writing to dispute an inaccurate item on my credit report, which I have obtained from your bureau. I am requesting the removal of this negative item under my rights provided by the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1679c. 


Account Name XXXX XXXX Account Number # XXXX Reasons for Dispute : 1. Last Verified On XXXX the last date verified XX/XX/XXXX on Experian XX/XX/XXXX and on XXXX XX/XX/XXXX 2.Date of last Activity on XXXX XX/XX/XXXX on Experian XX/XX/XXXX and on XXXX XX/XX/XXXX XXXX Reported on XXXX XX/XX/XXXX Experian XX/XX/XXXX and on XXXX XX/XX/XXXX 4.Credit Type on XXXX XXXX XXXX on Experian Person Loan Companies And on XXXX Auto Financing 5.Payment Status on XXXX XXXX or paying as agreed on Experian Current was past due 90 days and XXXX Pays account as agreed 6.Account Type on XXXX Installment account on Experian XXXX XXXX and on XXXX Installment 7.Late payments on XXXX Experian and XXXX XXXX XXXX 90 days late then XXXX XXXX 30 days late XXXX XXXX XXXX 30 days late, XXXX XXXX  30 days late and XXXX XXXX 30 days late According to 15 U.S. Code 1679c, I am entitled to a fair and accurate credit report. I believe this item is not accurately reflecting my credit history, and I am requesting that it be investigated and removed from my report. Please find attached supporting documents that substantiate my claim and clarify the inaccuracies. 

I would appreciate it if you could investigate this matter and remove the disputed item from my credit report if it is found to be incorrect. Please notify me of the outcome of your investigation as soon as possible, and provide me with a revised copy of my credit report reflecting any changes made.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, XXXX, I attempted to place a freeze on my credit file with Equifax, at XXXX XXXX XXXX After entering my information and my credit card information, I received a message saying I had to submit the same information by mail. By contrast, XXXX  and XXXX were both able to place a freeze on my credit online, with the same information. 

This is an unreasonable burden that dissuades consumers from trying to protect their credit. If further verification is needed, then Equifax should perform it online or over the phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has XXXX " open accounts '' on my credit report that they WILL NOT UPDATE OR REMVOE! 

Account # 1 : a PAID OFF CAR LOAN with " XXXX XXXX XXXX XXXX '' ( car loan PAID OFF in XXXX, 2019! ) Account # 2 : an account I NEVER OPENED with " XXXXXXXX XXXX '' from 2019. 

Experian has MADE IT IMPOSSIBLE TO REACH A HUMAN BEING TO DISCUSS THE ABOVE TWO ISSUES!
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX 

XXXX XXXX XXXX XXXXXXXX XXXX # XXXX XX/XX/XXXX -- {$8200.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$1900.00}
Product: Debt collection

Writ of continuing garnishment delivered to place of employment. Date of issue XX/XX/XXXX. Original judgment entered on XX/XX/XXXX. Been at same job and same residence for several years. Have absolutely no knowledge of the debt nor any knowledge of the court order. Was never served nor was I allowed to dispute the validity of the debt. Received absolutely nothing in writing pertaining to this. I would really like to know who I am paying? Judgement creditor XXXX XXXX XXXX XXXX XXXX XXXX, co XXXX Plaintiff XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, co. XXXX.
Product: Credit reporting or other personal consumer reports

Privacy issue related to my credit report, specifically in connection with the account provided by [ XXXX XXXX XXXX XXXX ]. Pursuant to the Gramm-Leach-Bliley Act ( GLBA ), I am seeking clarification and resolution regarding the privacy of my personal information.

I believe there may be a violation of the GLBA, which mandates the protection of non-public personal information. To address this concern, I am requesting the following information : 1 Detailed Explanation : Please provide a detailed explanation of how my non-public personal information is being handled, including the measures in place to ensure its confidentiality and the entities with whom it has been shared.

2 Opt-In Documentation : As required by GLBA, I request documentation confirming that I have explicitly opted-in for the sharing of my non-public personal information. This includes any initial notices provided to me at the establishment of the customer relationship.

3 Written Contracts and Agreements : Provide any written contracts or agreements between myself and the data furnisher explicitly granting permission to share my non-public personal information.

4 Signature Confirmation : Furnish any documents bearing my signature, confirming my explicit consent ( OPT-IN ) for the sharing of personal information.

Failure to provide the requested documentation within a timely manner of 30 days from the receipt of this letter may compel me to pursue further action, including filing a complaint with regulatory authorities. It is crucial to address this matter promptly and transparently to ensure compliance with GLBA regulations I appreciate your immediate attention to this matter and look forward to a prompt resolution.
Product: Mortgage

LoanCare became the mortgage services company for my existing loan, to be effective XX/XX/2016. LoanCare provided no correspondence prior to the due date. I received a letter from the old mortgage company, and submitted payment to the address on the letter so I would not have a late payment. I confirmed with my bank that the payment went through XX/XX/XXXX, and resubmitted it XX/XX/XXXX. Each payment was for {$3800.00}. On XX/XX/XXXX I received a statement stating no payments had been received since XX/XX/XXXX. I called customer service after checking with my bank, and advised them I had proof of payment. I was told that I need an electronic statement from my bank, but XXXX XXXX told me that the proof of payment I provided was all that could be submitted. It was determined that the account number which I had on my payment was the incorrect account number and my payments were credited to someone else 's account, but LoanCare refused to make the correction at that time. The representative told me " How can we be sure you did not mean to pay someone else 's loan instead? ". To be clear, my account showing was past due for XX/XX/XXXX and XX/XX/XXXX, and they had my payments for XX/XX/XXXX and XX/XX/XXXX, which came in with my name on them, and my home address matching, and this was their response. Additionally, I informed them that I was upset to never have received a phone call, which they argued with me stating they did, treating me as if I am a liar. I have all of the call logs through XXXX and they never called once. I was told I would receive a phone call to confirm that the issue was resolved, but they never called me back. I was assured by Customer Service Rep XXXX # XXXX that this would not be reported to the Credit Bureaus, but I learned on Sunday, after having my credit limit dropped by XXXX, that in XX/XX/XXXX, they have reported my account as 60 days past due, and that has resulted in my score dropping from XXXX to XXXX. This has an immediate and very serious impact on me and my husband and it is through the carelessness of LoanCare. 
Furthermore, when they made the adjustments to my account, I do not believe they appropriately adjusted the interest and they are over charging me for 60 days on {$330000.00}, even though they were in receipt of those funds on time. 
Additionally, I have provided my contact information multiple times and it still does not appear on my customer profile. This is negligent and increases the likelihood that this type of problem exists for their customers.