23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

On XX/XX/XXXX, I noticed the name on my electronic profile was the incorrect name, I contacted Bank of America to see what was going on as this happened back in XXXX and was resolved with minimal explanation ( complaint number with CFPB : XXXX ). After explaining what happened I was told they would open a ticket and get back to me the beginning of the following week. On XX/XX/XXXX I called back and they said the ticket was left open with no action on it. They reiterated to me that the only way a name could be changed was if I walked into a branch. One gentleman with the fraud department was able to tell me that the change was made on XX/XX/XXXX. They stated someone would provide me an update within a week. No one called. I reached out again the following week and was told that the ticket was closed and no one reached out. The next person submitted a complaint on my behalf as the name was still incorrect and there was no movement or explanation. Again no one reached out. I contacted Bank of America again on XX/XX/XXXX and they stated they did not have any movement on the complaint so they submitted another. The following week I reached out again and had to beg to talk to someone regarding my identity being changed on my account. At this time they finally had a gentleman reach out to me and explain its due to my account being linked to an erroneous account and a systematic update. They cant explain why my account was linked and why the incorrect name was on the account they also can not prove to me the account is secure. Due to my name not being on the account I did not pay the balance and was told that I would not be responsible for late fees and interest on my first phone call as the error was made on bank of americas end as they stated the only way a name can change is by me. They are now saying they cant wave fees until I make a payment on the account. They did not change the name on the account back until XX/XX/XXXX, they still have no explanation of how my account can be linked to an incorrect account or proper timelines. I have spent at least 12 hours on just the phone alone and Bank of America has no valid explanation of how this could happen and is unwilling to wave any fees.
Product: Checking or savings account

On XX/XX/XXXX Bank of America sent me a notice that they transferred {$460.00} from my account ending in XXXX and applied it to a negative balance I have in an account ending in XXXX. Problem is, I don't have another account with BOA. I discovered that my partner, whom I added to my account, making it a joint account, is the owner of that XXXX  account ending in XXXX with BOA. My partner was charged fees amount to that total {$460.00}. Is it legal for BOA to access my account, ending in XXXX a joint account, because my partner 's name is on the account without my approval. This is my money. I knew nothing of that other account. I think that's encroachment on the bank 's part.
Product: Credit reporting or other personal consumer reports

XXXX XXXX fraudulently used my nonpublic personal financial information by disclosing said private information to nonaffiliated third parties without my consent. 
I was never provided full disclosure of my privacy rights under the Gramm-Leach-Bliley Act ( 15 USC 6802 ). XXXX XXXX is depriving my rights under the color of law ( 18 USC 242 ). And is attempting to collect extensions of credit by extortionate means ( 18 USC 894 ).

Said information was shared without authorization nor consent to nonaffiliated third parties, including but not limited to XXXX and EQUIFAX by way of identity theft, and said third parties are conspiring to collect extensions of credit by extortionate means ( 18 USC 894 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/19 - received notification from XXXX XXXX that a hard inquiry was made on my credit report from Bank of America. I am a victim of identity theft, so I know this is a fraudulent attempt to open a card in my name. 

XX/XX/19 - call Bank of America XXXX to cancel the fraudulent application and remove the hard inquiry from my credit report but the only thing they can tell me is that I have no active account, which is true, but that has nothing to do with my request, which is to CANCEL THE APPLICATION. 

XX/XX/19 - call Bank of American again, but once again, they are only able to tell me I have no active account. There is no way to cancel the application itself or remove the hard inquiry, even though I have been able to do this with fraudulent applications opened at XXXX and XXXX XXXX. 

Would like to cancel the application ASAP and remove the hard inquiry from my credit report.
Product: Credit card or prepaid card

I got an Email from Amex with an back to school offer I follow everything then I suppose to get XXXX $ cast back contact AMEX a few times they agree to honor the offer but They never did. Amounts XXXX {$35.00} {$5.00} $ XX/XX/XXXX.
Product: Debt collection

The following number, XXXX started calling me on Tuesday, XX/XX/2018. They have called me multiple times, but will not leave a message.

I finally called them back yesterday, XX/XX/2018, and asked them why they were calling me. They immediately asked for my Social Security Number, which I did NOT give them. They could not answer as to why they were calling me repeatedly. I asked them to be be removed from their call list.

They called again today, XX/XX/XXXX, while I was in a meeting. I called them back again, and recorded the conversation. I asked once again to be removed from their call list, and notified them that they were also being recorded. They told me that was against their policy, and that i could not record them. I replied that i was located in Ohio, and was allowed to record them, especially since they were also recording me.

The lady said she would have my number removed, and yet they still tried to call me again later in the afternoon.

I looked up the number, and it appears to be Seterus Customer Service. I have never heard of this company, and do not have any idea as to why they are calling me. 

I want the calls to stop immediately, or i will be taking legal action against them for harassment.
Product: Credit reporting or other personal consumer reports

It is crucial that consumer reporting agencies uphold their grave responsibilities when it comes to the handling of consumers personal credit files. After performing a re-investigation upon my credit file for accounts ; ( Original Creditor : XXXX  ) XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX pursuant to 15 USC 1681ia1a, your company failed to follow proper procedures in regard to correspondence to me the consumer, in the handling of the reinvestigation. 
As clearly outlined within, 15 USC 1681i ( 7 ) ; 15 U.S. Code 1681i - Procedure in case of disputed accuracy Subchapter 7 states the following ; ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a detailed description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. 
Further outlined within 15 USC ( 6 ) ( B ) ( iii ) ; ( 6 ) Notice of results of reinvestigation ( A ) In general A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency. 
( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. 

The correspondence mentioned above was NEVER made to me and therefore, your company is in direct violation of the FCRA and is now liable for monetary damages detailed within 15 USC 1681n and 15 USC 1681o. 
Not only was a proper reinvestigation not performed as the derogatory account mentioned is erroneous to begin with, your agency failed to follow the FCRAs clear rules in the handling of correspondence to me in association with the account in question. Please delete this erroneous account as I have sought legal counsel in this matter and intend on seeking damages associated with this complaint if this issue is not resolved. Thank you for your time.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX, I recently looked at my credit file an notice some inquiries that I never authorized. XXXX : XXXX XXXX XXXX XX/XX/XXXX, Capital one Auto finance XX/XX/XXXX, XXXX XXXX XX/XX/XXXX. XXXX : Capital one auto XX/XX/XXXX, Capital one XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX logXXXX XXXXXXXX. I submitted an Ftc report notifying credit bureaus of unauthorized inquiries. I didn't give permission to run my credit is a violation of the FCRA and want these removed immediately. each violation will be XXXX each
Product: Credit reporting or other personal consumer reports

reporting a canceled forgiven debt that was sold is a violation of the FCRA the account has been canceled by 1099c and sold this account has no debt to report under the IRS rules I WILL KEEP FILING COMPLAINTS ON THIS MATTER UNTIL L YOU FIX THIS YOU CAN NOT REPORT A CANCEL SELL IT THE DEBT IS NO MORE REMOVE AT ONCE I WILL KEEP FILING THIS COMPLAINT EVERY DAY TILL THIS IS DELETED THAT WILL BE 7 COMPLAINTS WEEK
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the federal credit act 15 U.S.C 1681 ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

15U.S.C 1681B Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. 

The following has violated my rights : XXXX XXXXXXXX XXXX XXXX XXXX XXXX ( which is showing a few account ) Dept Of Ed / XXXX ( Which is showing multiple account ) XXXX  ( which is showing multiple accounts ) U S Depatment of ED ( which is showing a few accounts )
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018, my application for discharge of my federal student loan was approved on the basis of my XXXX XXXX XXXX XXXX, and canceled my obligation to repay the remaining balance. Please see attached letter. The letter states that a total of {$300000.00} was discharged.

Following my receipt of this letter XXXX XXXX and XXXX reported that the loan was closed and reflected a XXXX   balance. This raised my credit score to over 800 and " Exceptional. '' XXXX continued to reflect the balance was over {$330000.00}. I filled two disputes with XXXX. Both times the results came back with a higher balance and lowered my credit score by more than 30 points. When I called XXXX they said I needed to deal with the lender ( XXXX XXXX ) directly. When I called XXXX, they said, " The process takes a very long time, but the loans have been discharged. '' Now All three credit bureaus reflect the XXXX account is open, with a balance of {$330000.00}, which is higher than what my XXXX balance relfects on XXXX 's website - {$330000.00}, which has not changed since XX/XX/2018, and is in fact incorrect.

My question and complaint is, how and why did the account show closed and a XXXX balance with XXXX XXXX  and XXXX  and never with XXXX?

Why now, do all three agencies report a balance of {$330000.00}, causing my credit scores to drop considerably, when in fact the loan has been discharged since XX/XX/XXXX and a balance of XXXX should be reflected on all three credit reports?
Product: Credit reporting or other personal consumer reports

I am writing this letter in regards to the fraudulent inquiries on my credit report. These inquiries are all fraudulent and I need these list of inquiries removed from my credit report. Here are the inquiries listed below. I have also attached a FTC report as requested. 
Credit Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

I deposited a check for {$2200.00} into my Chase account on XXXX XXXX, 2017. When I logged in the following day to see my account activity, the bank withdrew the money and said there was an error with my deposit. I called the following Monday and spoke with a Customer Service Agent who said that the check was not properly endorsed. The check was endorsed and even had my account number on it. The fellow said that they would overnight a/the check to me and I would have to take it to a Chase bank lobby and ask. When I did not received the check by Wednesday evening, I called back. The customer service agent said that I have to go back to the issuing party and request another check. Why should I go and pay for a stop payment of {$30.00} and a reissuing check fee of {$35.00} because they can not get me my check back? If my check was not endorsed, they should have a procedure on how to get the check back to the customer. MY CHECK WAS ENDORSED and no image is available on the website either.
Product: Credit reporting, credit repair services, or other personal consumer reports

I REPORTED TO XXXX XXXX THAT MY CAR PAYMENT HISTORY WAS NOT REPORTING TO MY CREDIT FILE. I'VE JUST RECENTLY PAID THE CAR OFF BUT IT'S STILL NOT SHOWING AND I NEED THIS ACCOUNT TO SHOW PAID AS AGREED AND NEVER LATE BECAUSE I WANT TO PURCHASE A HOME SOON AND I UNDERSTAND THAT THIS WILL HELP ME ALOT HAVING A PAID CAR LOAN REPORTING TO MY FILE. I'M ATTACHING A COPY OF THE LETTER XXXX JUST SENT ME SHOWING PROOF.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recieved my credit report from XXXX  and i immediately noticed my name. Was correct and the body of the letter was addressed to someone else. After going over it more closely this person has filed chap. XXXX bankruptcy!!!! I was wondering why my score was so low. I notified everyone of those at credit reporting agency. And nothing. I would like to pursue legal action against these credit bureaus because they have made it where i have to pay cash for everything anyways.
Product: Debt collection

Client Services Inc. has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

There were suspicious hard inquiries about my credit that I did not authorize. It happened XX/XX/XXXX and XX/XX/XXXX.  I was at work on those dates but I received a notification that there were changes on my credit report thats why I log in to my account. I saw that there were atleast 7 hard inquiries from different companies that I did not authorize. That is unlawful and that is illegal viewing of my finances. I never gave authority to any body to view my credit, especially without my knowledge. It was for car loan credit inquiries. I went to XXXX car dealership in XXXX and spoke to the manager. I told the manager that they run my credit without my permission and I really wan na complain about it. I told them that its a serious matter for me and I felt very threatened and furious of what happened. It could be identity theft and I was so sleepless for two nights because of that. I was told by the manager that somebody represented me on my behalf and told them that shes my nom. They ran my credit without my consent for several times without even double checking and asking for my ID. I really felt that these companies violated my privacy and rights. I am so afraid and XXXX off right now at the same time and I wan na take this in legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

All   XXXX   credit bureaus have failed to keep excellent history from a mortgage i obtained in  XXXX  to  XXXX  at   XXXX   XXXX   XXXX   XXXX   XXXX  , pa. I had {$410000.00} financed. Also i had ( 2 ) leases with   XXXX   XXXX  l of North America for a   XXXX   XXXX   and a lease later in  XXXX  for a  XXXX , all in excellent payment history. I never ask fo any of this to be removed.
Product: Student loan

I have called and tried to lower my payments or find ways to help me because I wanted to try and make payments. Their concern was about pay due owed and if they did offer to help I had to pay something which I did n't have.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent certified letters to Experian on XX/XX/XXXX disputing 4 incorrect items on my credit report. I included the credit report, circled the issues I was referencing and included my SS card copy and Texas Drivers License. These letters were never responded to as of today XX/XX/XXXX. I am attaching proof of certified mail sent and a copy of the letters asking to delete the items if they could not validate the debt : These are the accounts I asked them to verify : Account Number : XXXX {$1400.00} Account Name : XXXX XXXX  XXXX Account Number : XXXX {$210.00} Account Name : XXXX XXXX XXXX Account Number : XXXX {$120.00} Account Name : XXXX XXXX XXXX Account Number : XXXX {$75.00}
Product: Student loan

I have sent the forms for the Income Contingent Repayment plan 3 times, but they say they still have not received those documents. I have submitted the documents through their online portal. I have proof via screen grabs that I have sent them the forms.
Product: Student loan

My Balance of {$7200.00} was paid by a Title company via mail on XX/XX/year>. Mohela received and cashed the check. It cleared on XX/XX/year>. I've had numerous conversations with their customer service rep and supervisors and they claimed they never received it. I sent them a copy of the cleared check and it is now Thursday XX/XX/XXXX and still no credit on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Request For Debt Validation Pursuant to 15 USC 1692g Be Advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act ( FCRA ) [ 15 USC 1692g ] stating your claim is disputed and validation is requested. 
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. 
At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX, or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against and your client for the following : violation of the Fair Credit Reporting Act, violation of the Fair Debt Collection Practices Act, and Defamation of Character ( per se ). 
If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 calendar days to investigate this information, during which time all collection activity shall CEASE and DESIST. 
Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of information to a credit reporting repository that could be inaccurate or invalidated. If your office fails to respond to this validation request within 30 calendar days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately.
Product: Checking or savings account

On XXXX I contacted my Chase Bank to inquire about a targeted XXXX XXXX scam that I almost fell victim to. They informed me that on XX/XX/XXXX they had made a business banking decision to close my checking account on XX/XX/year>. They said they would provide explanation in a letter but in fact they never sent a letter. In addition they also closed both of my credit cards. I had been a chase customer for over 15 years. They did not give me any reason why they closed my accounts. When I continued to press for information their response was they reserve the right to close any account for any reason without explanation or notice. I am deeply troubled by this. First, Im sure itll affect my credit score. Secondly, one of the Chase cards was my Amazon XXXX Visa card that used for my XXXX purchases. Im very annoyed by the lack of information provided by the bank. I feel that I deserve an explanation. And that my accounts be re-open.
Product: Credit reporting or other personal consumer reports

I reviewed my Equifax credit report on XX/XX/XXXX and noticed some things are incomplete & inaccurate. According to the Fair Credit Reporting Act ; whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 
According to 15 USC 1681i 5 ; ( 5 ) Treatment of inaccurate or unverifiable information.

( A ) In general. 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 promptly delete that item of information from the consumer 's file or modify that item of information, as appropriate, based on the results of the reinvestigation.

In addition, according to 15 USC 1681s-2 : ( a ) Duty of furnishers of information to provide accurate information.

( 1 ) Prohibition.

( A ) Reporting information with actual knowledge of errors. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate.

In accordance with the Fair Credit Reporting Act ; the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX {$7200.00} Date : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX {$3200.00} Date : XX/XX/XXXX