23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

I joined the Bank of America for the sole purpose of a good rate of return from an inherentance i received, when i enquired it the BoA to open an account i was given a choice of a standard account which i feel suited my needs, at the time i was go through redundency from my job so i used {$5.00} to open the account after i transfered the money a few days had past i received nothing from the BoA to confirm the account set up so i emailed them to inqire what the hold up was after a day i received mail back from XXXX XXXX XXXX my account officer the standard account was no longer available and that i would need to take a more expensive account the Premium account at XXXX i had most of that but needed help so i called a friend of long knowing who lives in XXXX XXXX to assist me she agrreed to help with my account and did so, my money nearly XXXX usd was transferd in to my new account within 24 hours, after a few day i received mail telling me i could strat to transfer money to other accounts or my own here in the XXXX ( i am XXXX living in XXXX ) when i set the amount to transfer it would not transfer the funds i requested stating some thing about a cost of transfer fee, i emailed XXXX XXXX again and he told me that i needde to pay {$42.00} transfer fee to transfer money, why was i not informed about this why was i not informed about the Standard account being canceled why was things not explained to me? and why on Friday or Tuesday being it the XXXX break is my money being confinscated? and the account closed why can i not have money used to pay for this Cost of Transfer fee i just do not under stand why i can not have more time or why can the bank not alouw me to pay for the CoT out of my inhernance that they have in my bank account if you would please look into this as i feel it is unfair and to myself i feel as if i am being cheated of some thing i never know would come my way, and that i now have no money to pay my debts and have used all my redundancy payment just to oipen this account my friend also has paid {$37.00} towards the CoT she is tring to raise more but is finding things a little hard right now, so i feel this Bank of America has now put XXXX people deeper into debt, my self and my dear friend, so please help me with this matter my email address is XXXXXXXXXXXX XXXX if you need my BoA account number this i will provide on request, the account is in my full name XXXX XXXX XXXX XXXX, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

This is another complaint for XXXX  and Equifax about the complaint submitted on XX/XX/2020 ( XXXX and XXXX ). XXXX and Equifax again say that the company reported the information is accurate, that belongs to me and also report this account as an Individual Account when is completely inaccurate. Equifax said If I have additional questions about this item please contact XXXX XXXX XXXX which I did so. XXXX XXXX didn't find this account under my name or social security number. After almost an hour, they found out I was an authorized user under this account. Its frustrating that XXXX  and Equifax can't do a correct investigation. 

The XXXX XXXX documentation is attached that prove this fact.
Product: Credit reporting or other personal consumer reports

1. Statutory Damages ( Section 1681n ) If the credit reporting agency willfully fails to comply with the FCRA 's requirements, such as failing to investigate a dispute or maintaining inaccurate information, the consumer can be awarded statutory damages.

Willful non-compliance : The consumer can receive {$100.00} to {$1000.00} per violation, regardless of whether they can prove actual harm or financial loss. If the violation is deemed willful ( i.e., the agency knowingly or recklessly disregarded the law ), damages can be higher. 
Subject : CFPB Complaint Regarding Fraudulent Hard Inquiries and Violation of Consumer Rights Dear Sir/Madam, I am filing a formal complaint against the credit agencies regarding 19 fraudulent hard inquiries that have been wrongfully reported on my credit file. These inquiries were not authorized by me and are clear violations of my rights under the Fair Credit Reporting Act ( FCRA ) and other consumer protection laws. 

I have submitted a report to the Federal Trade Commission ( FTC ) confirming that these inquiries were fraudulent, and this report serves as conclusive evidence of the unauthorized nature of these actions. The credit agencies have failed to comply with Metro 2 standards and their responsibility to report accurate information. By failing to remove these fraudulent inquiries, they are in direct violation of the law and my consumer rights. 

The credit agencies have 4 business days to remove these unauthorized hard inquiries from my credit report. If they fail to do so within this time frame, I will consider their actions a willful disregard of the law and will pursue further legal remedies. I trust that you will make it clear to the agencies that their actions are unacceptable and that they must take immediate corrective action. 

I expect the credit agencies to act swiftly to remove these fraudulent items. They must justify any refusal to do so with verifiable evidence, including case law or factual data that supports their position. Their failure to meet legal obligations will not be tolerated, and I will continue to pursue every available option to protect my rights as a consumer. 

Thank you for your prompt attention to this matter. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Called number listed to my spouse. When I answered Hello the rep said Ms. " XXXX  ''? I said again Hello? Rep continued to state this is XXXX from Credit Solutions calling as a follow-up to letter sent in XXXX ( didn't catch exact date ) regarding an outstanding balance. XXXX then asked to verify if speaking w/correct party - did not confirm if I was in fact Ms. " XXXX  '' or not before disclosing letter sent on an outstanding balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts XXXX XXXX ( XX/XX/2021 ), and XXXX XXXX ( XX/XX/2021 ) were not authorized by me. I do not recognized these accounts/inquiries, and they are fraudulent.
Product: Checking or savings account

When the COVID19 nonsense started I reached out to my local branch when creditors took payments they said they wouldnt and I was told by my banker that there was no problem getting all my fees refunded but it was a process due to the pandemic and there was no limit on the amount of fees but they had to submit it - well that took soooo long that I got more fees and while they temporarily refunded my fees when I got my stimulus - they took them all back around {$450.00} worth - I want my fees permanently refunded - no temporarily refunded like they did. The local branch is closed still or Id go in.
Product: Credit card or prepaid card

On XXXX I received my FNBO XXXX XXXX XXXX statement. On this statement I earned XXXX points. However, my XXXX has not been updated with the points as off XXXX. I have called repeatedly to have this matter resolved to no avail. FNBO refers to XXXX and XXXX refers to FNBO.
Product: Checking or savings account

I initiated an electronic transfer on XX/XX/XXXX from an external bank account to a recently established savings account with Capital One Bank. On XX/XX/XXXX, I received an email from Capital One Bank indicating that had decided to delay the availability of my funds until XX/XX/XXXX, or 14 days, based on a security concern. I set up the account several weeks prior and transferred a smaller amount of money to start the account. When I set up the account, the funds were available within 2-3 days, and there was no security concern expressed about the smaller deposit. I called Capital One on XX/XX/XXXX to express my frustration, I communicated that I was not upset because I needed the money, but communicated that I believed it was unethical and unfair that they are holding my funds for 14 days with interest, which amounts to approximately {$42.00}. The customer representatives indicated that there was nothing that she or Capital One could do. At no time prior to opening the account or after I opened the account did Capital One communicate that deposits may be held for 14 days. If I had known that was a possibility, I would not have opened an account with Capital One.
Product: Credit reporting

Hello : I have a school loan that has been deferred by XXXX XXXX. I was told that the school loan would reflect current on my credit report however is shows that it 's closed. I spoke to the Dept of Education and they told me to dispute with the reporting agencies ... .XXXX and XXXX . I would appreciate some assistance regarding who to contact and how to begin this process to correct the information on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  transferred my mortgage to Old National despite it not being opened as a servicing released mortgage. 

They then reported my mortgage as closed to the credit reporting agents, which reduced my score significantly and impacted my financial situation Furthermore, Old National is requiring payment on XX/XX/XXXX and still, as of XX/XX/XXXX, has sent no information on how to make those payments or set up autopay.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX Acct : XXXX Tuesday, XX/XX/XXXX To whom it may concern, My name is XXXX XXXX, and I first want to thank you for taking the time to read this letter. Ive had a great experience with XXXX XXXX XXXX and my goal is to maintain the relationship weve built over the last 10 years. I recently pulled my XXXX, Equifax, and XXXX credit reports and discovered I have 3 late payments that were reported on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX for my Lease Payment account XXXX. During that time, I had a medical emergency that required me to drain my savings and use most of my paycheck to cover, which impeded my ability to make an on-time mortgage payment that month. I realize I made a mistake in falling behind and take full responsibility for my actions. I understand that late payments cause inconveniences for your operation. Up until my medical emergency, I had an on-time payment history with you since my loan was first originated. Additionally, Ive resumed making on-time payments in the months since that point, even enrolling in automatic payments to ensure I dont miss any due dates in the future. Based on my otherwise spotless payment history, I would like to request that you apply a goodwill adjustment to remove the late payment marks from my credit report. Granting this request will help me improve my overall credit history and demonstrate my consistency as a creditworthy borrower. Thank you in advance for your consideration. 

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

I signed up as a client of United Funding Logistics and had my first meeting to review my credit report. I scheduled a 2nd meeting to continue the conversation and the appointment was rescheduled by UFL and later cancelled all together. About a week later, I received a message stating they had created " letters '' to be sent to the credit bureau. 

I have tried multiple times to get in contact with customer service as well as the XXXX XXXX XXXX with no success and no return calls, email, or messages in the client portal. 

UFL charged me {$170.00} for the services that were supposed to be a lifetime of protection, but they make it impossible to contact them. I have requested a refund, sent messages that I rescind any authorization I have previously given them to review or send messages on my behalf. To date, I have not received any communication that was true and accurate, and they have not issued me a refund.
Product: Credit card or prepaid card

Hello, My name is XXXX XXXX and on XX/XX/2018 I purchased a {$50.00} American express gift card with cash and a couple weeks later when my sister went to use it did not work. I called American Express and they told me the card was never activated and I needed to fax the picture of the card ( front and back ) along with the receipt. Since I bought the card cash I lost the receipt but I gave my sister a gift receipt from the store, so I used the gift receipt to get a receipt from the store which I bought the card from. When I faxed the documents to American Express they told me that the receipt printed from the store database is not acceptable and that they needed the original receipt. I'm stuck and I'm unable to recoup my money. Please help. My telephone is XXXX XXXX. 

Note : My reference number with American Express is XXXX
Product: Credit card or prepaid card

For the past week, Capital One customers including me have been unable to redeem rewards on mile transfers ( transferring miles to partner airlines and hotels ). Here are a couple articles documenting it : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Capital One refuses to give any timeline on when this will be fixed. The only reason I signed up for Capital One XXXX XXXX was because of the rewards transfer partners. It is very frustrating that the company will not give us a timeline on when issue will be fixed.
Product: Credit reporting, credit repair services, or other personal consumer reports

The CRA is reporting inaccurate and false information on my credit file without proper VERIFICATION not VALIDATION. The law requires that all collections, debt be VERIFIED through proof such as reciepts, contracts etc.
Product: Credit card

my wife received a " home projects '' credit card in the mail from Wells Fargo. 
she never asked for this, does not want it and does not want to do business with this disreputable company. we called XXXX and " XXXX '' told me he would reveal the name of the company who provided my wife 's name and address only if he spoke with her directly. when i handed the phone to her XXXX insisted on having the last XXXX digits of her Social Security number, which she refused to provide. we want Wells Fargo to erase this account and number and delete her name and address from their records, and to reveal their source for this information.
Product: Credit reporting, credit repair services, or other personal consumer reports

On the dates of XXXX and XXXX of XXXX and XXXX of XXXX it shows as late payments on my credit report. On those dates I sent payment in but the credit card company stated they didnt receive the payment but when I reached out to my bank they said the payment was taken out. I called in and customer service rep stated they could have been having website issues at the time.
Product: Debt collection

On XX/XX/2018 a repossion validation letter was sent certified to NMAC regarding a reposession. 14 days was given for the company to respond and to provide the documents in question. NMAC did not respond at all. Since tracking was attached I know that the letter was received on XX/XX/2018 at XXXX XXXX. Since NMAC failed to respond with the appropriate documentation within the allotted 14 days they are no longer permitted to report any deficiencies related to this account on my credit report ( s ).  Per FDCPA and FRCA regulations. NMAC is now in violation by continuing to report this deficiency with fine starting at {$1000.00}. I fully intend to pursue litigation is NMAC does not remove this erroneous debt from my credit report. All opportunities were given for NMAC to validate this debt. NMAC does not have permission to contact me by phone, e-mail, or US postal mail. All communication is to be through the CFPB. I hope that this can be resolved quickly as I am a litigious individual and will not hesitate to seek damages against NMAC under all available State and Federal statutes and UCC-9 remedies as well as violations from FRCA and FDCPA.
Product: Debt collection

I keep receiving call s from Pioneer Credit Agency  for a debt owed by a  XXXX   XXXX . I have instructed them to remove my cell phone number on numerous occasions and they continue to robo call me. The last representative I spoke to is  XXXX   XXXX  who stated that unless I give her my personal information the calls would not stop. I gave her the reference number that was left on my cell voice mail but that did not satiate her desire for more personal indentifying information from me -- which I of course refused to provide.
Product: Credit reporting

I went to buy a house ... ... ... .My credit report was pulled, TransUnion showed a debt to XXXX XXXX for {$4700.00} to XXXX ... ... ..I have never had any dealings with XXXX ... ... ..I contacted XXXX to try to resolve this matter ... ... ..This debt was incurred XXXX XXXX, my son XXXX and his wife XXXX XXXX XXXX were living with me at the time ... ... ... .My son and his wife were handling my bills for me, they had access to Social Security Numbet and credit cards ... ... I was declared XXXX in XXXX ... ... ..Started receiving mt disabilty from social security in XXXX XXXX ... ... ... ... ... I knewe that I would never be able to work again, why on earth would I take a management course knowing that I would never be able to work again ... ... On the other hand XXXX XXXX XXXX was trying to get ahead ... ... ... .I contacted XXXX XXXX @ XXXX XXXX. I wass ujnable to get a phone number, address, or email for XXXX ... ... .XXXX could not provide me with a signed contract, the social security number on this account, a voice print ... ... ... ... No proof that this was my debt ... ... ... ... .All they had was my name ... ... ... ... ... I know that I am notk the only XXXX XXXX in the world ... ... ... ... XXXX would provide me with nothing that would prove that this debt was mine ... ... ... ... .I had to pay the money in order to buy my house ... ... ... ... I did find out that XXXX had as a registered Agent XXXX @ XXXX ... ... ... ... XXXX XXXX and XXXX XXXX Offices do not exist ... ... ... ... ... .No one could prove this was mine ... ... ... ... Please helo me. Only XXXX of the XXXX credit reporting agencies showed this debt
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX LATE PAYMENTS Balance details Paid off - Balance - Balance updated - Original balance {$71.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Unsecured Payment summary XXXX XXXX - XXXX - XXXX - XXXX - XXXX - XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX - XXXX - PAYMENT HISTORY LEGEND Status Paid, Closed. 

Status updated XX/XX/XXXX Original balance XXXX XXXX Monthly payment - Last payment date XX/XX/XXXX Additional info Responsibility Individual Terms 6 Months XXXX sold - Original creditor - Comments Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ) Your statement - Contact info Address XXXX XXXX, CA XXXX Phone number ( XXXX ) XXXX ... ... ... ... ... ... ... ... On XX/XX/XXXX, I filed a dispute with XXXX XXXX and Experian regarding two inaccurately reported late payments for XX/XX/XXXX and XX/XX/XXXX on my XXXX XXXX account. The account was opened on XX/XX/XXXX, and was fully paid off by XX/XX/XXXX. Despite this, XXXX XXXX incorrectly reported these payments as 30 days late, negatively impacting my credit score. 

I contacted both XXXX XXXX and Experian, requesting an investigation and removal of these inaccurate entries from my consumer report, in accordance with the Fair Credit Reporting Act ( FCRA ). However, neither company has responded within the required 30-day period, which is a violation of FCRA 1681i. I have received no documentation or verification supporting these late payment claims. 

I am now formally requesting that both companies immediately remove these inaccurate late payment entries from my consumer report. Additionally, I seek compensation for damages caused by this incorrect reporting, which has adversely affected my creditworthiness. If this matter is not resolved promptly, I will be pursuing legal action under FCRA 1681n and 1681o for willful and negligent noncompliance, including statutory damages, actual damages, and attorneys fees. 

I am filing this formal complaint with the CFPB to escalate the issue and seek appropriate resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX I disputed XXXX with XXXX, XXXX, and experian. XXXX and experian said the debt was found to be valid, but XXXX deleted the item from my credit file. When I informed the third party debt collector, they removed the item from all 4 of my credit files. The debt has been found to not be valid. The item needs to be removed from my credit history. Please see supporting documents and remove the item from my credit files.
Product: Credit card or prepaid card

on XX/XX/XXXX and XX/XX/2023 $ XXXXand {$4000.00} were fraudulently charged to my discover account a music store in XXXX Georgia Discover notified me and closed that account and opened a new card they had removed the fraudulent charges several days later they put the fraudulent charges back on my new card throught XXXX they removed the charges and added them again XX/XX/XXXX a different girl removed the charges my balance was correct she issued me a new card sent it XXXX XXXX my balace was {$3300.00} the next week was fine around the XXXX my balace was {$9000.00} i called and a girl read a prepared statement saying that i was responcible for the {$5000.00} on my card the card only has a {$4000.00} limit she stuck to her guns apparently a supervisor thinks i am in on the fraud I have never committed a crime their other reason they gave me is that they had already credited that {$5000.00} so the balance was my responcility i paid my card on time and never violated Discover at any time this is ridiculous
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting. Everything has to be 100 % accurate on my report.

The credit report stated that my account was properly investigated but how is that possible if the open date is inaccurate, the date lady active is inaccurate and date last reported is inaccurate. 

This is grounds for removal due to a violation of my rights under 15 U. S. C. 1681 Section 602 A stated I have the right to privacy.

15 U. S. C. 1681 Section 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions.

I have attached and highlighted the accounts incorrect.
Product: Credit reporting or other personal consumer reports

I want to express my utmost discontentment with the continued existence of a fraudulent account on my credit report. Following the reporting of this identity theft, I contacted the bank related with the fraudulent account. While they confirmed the validity of the report, they stated their inability to provide records. However, they assured me that the fraudulent account would be instantly abstracted. Both XXXX and XXXX have already removed this account from their records after distinguishing and rectifying an error. I am at a loss by your confirmation of this account when the other bureaus have already removed it. Please delete this account from my file, as it is inaccurate, erroneous, incomplete, or unverifiable. 



XXXX XXXX XXXX