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

I have multiple problems with Axos bank. The first is that a {$100.00} release from XXXXXXXX gas station was credited to my account on the morning of XX/XX/22, making my available balance {$260.00}. At XXXX pm EST on XX/XX/22 I had a debit card transaction in the amount of {$260.00} hit the account. At which point I logged back into my Axos mobile banking app to check the available balance and it was now {$4.00}. Then at XXXX pm on XX/XX/22 I transferred a {$100.00} into my Axos account giving me a balance of {$100.00}. I used my debit card for a {$24.00} charge and a {$20.00} ATM withdraw, a {$16.00} debit charge and I transferred out {$10.00} twice. Then when I woke up the next day XX/XX/22 at XXXX am XXXX, my available balance was suddenly overdrawn - {$99.00}. When I had a cs rep on the phone line they couldn't explain why. I was told to submit screen shots of my transactions thru their secure message system on their app. which I went and did immediately. But to no avail. Now today XX/XX/22 when I view my transactions it's a total and complete disgrace, XXXX of the transactions list the available balance after the transaction but XXXX of them ( randomly ) don't list my balance at all. Then some of the posted transactions go completely out of date order, like there are a bunch of transactions posted on XX/XX/22 but smack in the middle of them is a posted transaction from XX/XX/22. That's not even possible. And then if you look at each transactions available balance the math is just completely wrong. On XX/XX/22 the last transaction has an available balance of {$60.00} then on XX/XX/22 the first transaction is a debit card charge at XXXX XXXX for {$50.00} but the available balance is negative- {$100.00}. when it should be {$10.00}. These mathematical errors are on multiple transactions ( > 10 of them ). And then there is the simple fact of ; if I try and use my debit card for any thing, a POS an ATM or a transfer and there isn't enough money to cover the amount it will automatically decline the transaction, that's a fact, there is no coverage for overdraft or anything of the such on the account. So Axos is trying to say to me that the debit card transaction of {$260.00} on XX/XX/22 caused the account to be over-drafted by {$94.00}, which is impossible. Even the cs rep I spoke to on XX/XX/22 said to me " you're correct your transaction would be declined if you don't have enough funds in the account to cover it. '' And lastly, as I mentioned in the beginning on XX/XX/22 there was a release of funds from a hold by XXXX for {$100.00} and it was credited to my account in the morning. It was listed as a transaction. But now it's suddenly nowhere to be found anywhere on my account. It just totally disappeared. This is crazy, none of it makes any sense and I don't know what they're doing with my money.
Product: Checking or savings account

The BANK Of America has {$8100.00} ... and they're freezing my account based on me receiving this grant through the pandemic relief fund .I was given the opportunity to retrieve {$800.00} from the ATM through the appointment set by them .I paid the over due bills on line and paid for the things to perform a task and attempted to fetch a ride to a cooking event and my card was frozen .I received a call from a BOA representative of their fraud dept. checking to see am I who I am and it was cleared and upon my next attempt to fetch a ride to my cooking event my card was frozen and as were my account. It was approximately XXXX ... .and I was told the matter was being looked into AND it would take a matter of 60-90 dys. Now it's been longer than they've said and the nature of the city being shambles due to the looting, fires, and rioting NO financial centers were open and I had to go about my affairs in this fashion. I've reached out to the Small Business Administration and gave the information a fax number which was given to me by BOA and the SBA sent me an email directing me to you all because the money she say isn't SUPPOSE to be returned to them especially since I've already started administering it.
Product: Debt collection

Agreed with company on payment plan and was promise to clear on credit report but instead still showing up on credit reports. I have made 4 payments already and have them direct deposit from my personal bank account.
Product: Credit reporting, credit repair services, or other personal consumer reports

US DEPT OF EDUCATION/XXXX  XX/XX/XXXX = Closed Balance = $ XXXX  Monthly payment = {$0.00} Current Payment Status = 120 Days Late Is that even possible?! 

I began serious work on my credit file in XXXX. My first step was to consolidate my student loans. The Dept of Ed happily closed all of my accounts and transferred the balances to a single XXXX XXXX account. It took a lot work, but I managed to bring my scores up into the mid and high 600 's by XX/XX/XXXX. 
I was preparing for the day my mother passed away and HUD foreclosed on the reverse mortgage, also known as my family 's home. My mother passed on XX/XX/XXXX. Foreclosure was set to began 6 months later, during the first week of XX/XX/XXXX. 
I wasn't prepared for the amount of points I lost when my mothers accounts were removed from my file. I frantically pushed my numbers as fast and as far as I could until late XXXX then I began the purchase process knowing my options would be limited but time was quickly running out. 
I finally found a lender that would accept me and just as we were about to sign, the entry shown above posted at the bureaus. I lost an average of 63 points and with it any chance of securing the loan I desperately need before HUD lays claim to our home. 
I successfully disputed this account and they removed the notation, " last payment status = 120 days late '' last year. 
It reappeared in XXXX with a vengeance because now it shows " Current status '' = Late. On XXXX  I even saw XXXX and XXXX of last year marked in Red. That seemed to go away after I called them but the " current '' notation still stands. 
This entry has destroyed my life. I am now marked as currently delinquent by 4-6 months. Lenders laugh at me. 
Reporting an account that has a {$0.00} balance as late is beyond irresponsible in this arena. I would charge the U.S. Dept of Education and all 3 credit bureaus with negligence at the very least, tampering with malicious intent seems more accurate. It could become a XXXX  charge if my XXXX wife perishes because the damage from this entry forced us outdoors into XXXX. I would level these charges but, of course, I can't afford an attorney.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several items that are reporting on my credit that do not belong to me. 

Incorrect Names : XXXX, XXXX, XXXX, XXXX XXXX ( XXXX ) Incorrect Address : XXXX XXXX XXXX  ( XXXX ) Incorrect Address : XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ) Incorrect Address : XXXX XXXX, XXXX XXXX ( Equifax ) The following items do not belong to me ( Fraud Account ) - XXXX XXXX  ( XXXX ) - Bal : {$21000.00} - XXXX XXXX  ( XXXX  ) - Bal : {$21000.00} - XXXX XXXX  ( Equifax ) - Bal : {$21000.00} - XXXX XXXX  ( XXXX, Equifax, XXXX ) - {$52000.00} - XXXX XXXX  ( XXXX, Equifax, XXXX ) - {$36000.00} - XXXX XXXX ( XXXX, Equifax, XXXX ) - {$1300.00}
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

I looked at my Experian & XXXX credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And 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 ). And according to 15 USC 1681 5 they are suppose to do this ( 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 ( i ) promptly delete that item of informatio
n from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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: Debt collection

See attached forensic mortgage analysis. This is a good example of Mortgage Fraud by a Debt collector pretending to be a mortgage company. This is fixing to end up in Federal Court, Read the Attachment. Color of Law Crimes, Civil Rights Violations RICO, Racketeering. These companies destroyed my family broke apart with the stress, after 25 years. I was put in Default the COVID deferment, they were fined but I never saw a XXXX. The revolution was fought by We The People to gain sovereignty of our land from the British, and our Great Western Experiment, the only one ever in the History of man. Where you did not have to be born into a certain bloodline to not be a XXXX XXXX XXXX. Unfortunately that didn't last long, the American Revolution part 2 ( the civil war ) and we lost. The corporation Started in 1871 in the States called the XXXX XXXX  XXXX XXXX  XXXX XXXX, by the King of XXXX... The truth is there was a Federal Lien when I purchased the place and looks like the title company is about to be in Federal Court also. there is a Federal Lien on every ones property. We all can sue the title companies. This is a fact. read the attachments. XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, has no Oath of Office, Ruled against me in these proceedings. case # XXXX,
Product: Money transfer, virtual currency, or money service

Scam through zelle tried to purchase a vehicle for my daughter. Sent {$200.00}. They claimed to be someone I new. The person hacked the XXXX account. My bank would not refund the money.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX  should not be reporting that I am ( 30 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. I have also attached my identification documents for reference. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a {$0.00} balance. This false reporting of lates is seriously harming my credit score and these lates need to be removed. It is a violation of the Fair Credit Reporting Act to no report accurate information on a credit report. I have contacted the bureaus to remove these lates however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

After Years & Months of confusion and stress. I finally have submitted a problem to consumer finance.gov about my ongoing issues with TransUnion. After Pulling all my credit reports and doing my own research I contacted TransUnion Customer Service and told them I believe I am a victim of an inquiry error on Tuesday XX/XX/XXXX. After talking with the operator she very quickly came up with the conclusion I was not apart of an inquiry error and that I should freeze my credit and call the banks of the inquiries I have listed on my report. I have 16 Inquiries on my TransUnion Report that I 100 % Did not Authorize Or Give Consent To these Banks/Creditors to pull my credit report at all and the 16 Inquiries I will leave all below with dates the inquires were made. 



TRANSUNION UNAUTHORIZED INQUIRIES CURRENTLY ON MY REPORT XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX  XXXX  XXXX XXXX I proceeded to Talk with TransUnion Customer Service and even told them I contacted All the above banks and most of them told me the applications were flagged as fraudulent and I would have to file a dispute with Transunion. Unfortunately Since TransUnion is refusing to pick up my phone calls and even when they do the agent has a hard time explaining to me why they wont Remove the Negative/Incorrect Falsified inquires on my credit report which leads me to believe I am 100 % being treated unfair.
Product: Debt collection

I am currently facing an issue with a debt collection companies that are reporting on my credit report, which I believe is in violation of the Fair Debt Collection Practices Act ( FDCPA ). Specifically, I have no contracts or agreements with this company. This company has not provided any documentation containing my signature that authorizes them to report on my credit or engage in business with me. The following are the specific FDCPA laws that I believe these debt collection companies have violated : 809 Validation of Debts ( 15 U.S.C. 1692g ) : Debt collectors are required to provide verification of the debt within XXXX XXXX  of the initial communication. They must send a written notice containing the amount of the debt, the name of the creditor, and a statement that unless the consumer disputes the debt within XXXX XXXX  it will be assumed valid. In this case, the above-mentioned debt collection companies have not provided such validation or verification of the debt. 807 False or Misleading Representations ( 15 U.S.C. 1692e ) : Debt collectors are prohibited from using any false, deceptive, or misleading representation in connection with the collection of any debt. Reporting to credit bureaus without a legitimate basis and without proper documentation or contract constitutes a misleading representation of the debt 's validity. 808 Unfair Practices ( 15 U.S.C. 1692f ) : Debt collectors may not use unfair or unconscionable means to collect or attempt to collect any debt. Reporting a debt to credit bureaus without having the proper contractual authority or verification is considered an unfair practice. 818 Furnishing Certain Deceptive Forms ( 15 U.S.C. 1692j ) : It is illegal for debt collectors to design, compile, and furnish any form knowing that it would be used to create a false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes. Given the lack of documentation and absence of a contractual agreement, the actions of this company is in violation of the aforementioned provisions of the FDCPA.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, Account # XXXX. 
Refusal To Validate " Correctly '' My request is for the following : 1. The Last Date of activity is extending the Statute of Limitations.

This account has been charged off 10 times, which is a violation. The charge off dates are XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, and XX/XX/XXXX. 
2. This account is also reported as written off, charged off and never late.

Charge offs should be according to 15 USC 1635, 15 USC 1692g, and 15 USC 1601, Congressional Findings & Declarations of Purpose. 

XXXX, XXXX and Equifax are paid agencies, not the Credit Bureau. Any credit agency reporting inaccurate information should immediately delete from the credit file. This account can not be legally and lawfully according to the FCRA 10 times, and then written off and then listed as never late.

The same information should be reported on each Credit Agency of XXXX, XXXX and Equifax, but each Agency is reporting differently and this is a violation of my consumer rights.

Delete these inaccuracy of this account from my credit file immediately and permanently.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I a a Victim of Identity Theft. I was notified that my info was breached in the XXXX XXXX and XXXX XXXX XXXX. I was given an settlement claim number along free credit reports for 7 years. I have sent letters, called and disputed online the erroneous accounts but have been unable to receive anyhelp or received free reports for the system is always down. 
In accordance with FRCA evrything must be accurate. 
My rights have been violated under U.S.C 1681 ( a ) ( B ) ( G ) ( i ). 
How can these been accurate if my SSN is not even on my report, along with 10 different names, 9 diffrent employers and 4 diffrent dates of open, XXXX  XXXX XXXX {$12000.00} XXXX XXXX XXXX XXXX XXXXXXXX {$3400.00} I am requesting these accounts to be deleted for they are not mine!
Product: Debt collection

I used XXXX to help me settle some credit card debt. I have a contract with Wells Fargo that stated they agreed to except {$3600.00} in payments which I have and canceled checks by Wells Fargo to show this was paid in full. Their lawyer has now filed a suit against me for the outstanding amount which was an amount that Wells Fargo agreed to write off. I have all the canceled checks as well as a copy of the contract by Wells Fargo showing this was paid in full. I have placed multiple phone calls to The lawyer of Wells Fargo and he refuses to call me back.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my Experian Report appears a Charge off from XXXX XXXX XXXXXXXX XXXX Acct # XXXX. It was confirmed in a phone call by Rep. XXXX as a Charge Off from XXXX and XXXX confirmed that is not reporting to Experian while Experian claims that is reporting without providing any evidence that is happening. My original dispute started on XX/XX/XXXX. and the letter was received by Experian XX/XX/XXXX. Report # XXXX. I did follow up and in Experian spoke to XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and they all gave me a different answer and Projected Completion of the dispute results due XXXX. All of a sudden they say that the dispute should be solved on XXXX XXXX. In a letter sent by Experian XX/XX/XXXX and received via USPS XX/XX/XXXX. 2023 Report # XXXX mentions that the dispute results projected completion date is XXXX. How come they change the due date? Is that a stalling practice?
Product: Credit reporting or other personal consumer reports

Please reference complaint XXXX. In short, XXXX will not correctly report information on this student loan account. The loan was discharged in XXXX after my Mother XXXX in XXXX. I was the co-signor on the loan. XXXX confirmed in writing in response to the aforementioned complaint that the loan was discharged and that they would report the balance is {$0.00} to the CRA 's. They did not furnish this information to the CRA 's in a timely manner. After XXXX information was reported, I initiated disputes with the CRA 's to correct this information. XXXX seems to be reporting correctly. 
However, XXXX and Equifax are reporting that I am deceased. XXXX indicated to me today that they had corrected this information internally on XX/XX/year>, but that XXXX furnished information indicating that I am deceased on XX/XX/year>. Disputes with XXXX and Equifax are currently in process to correct this, but XXXX is indicating that XXXX is to blame here. Unfortunately, XXXX is not able to respond to e-mail or phone calls in a timely manner. Hence, seeking the CFPB 's assistance with this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has violated my right to privacy. They do not and have never received my written instruction to furnish a consumer report pursuant to 15 USC 1681b ( a ) ( 2 ). I have called them multiple times to explain that they do not have my consent to furnish a report and the information within that report and they are violating my right to privacy.

Congress has made it clear at 15 USC 1681 ( a ) ( 3 ) that credit reporting agencies have ASSUMED the role they are playing in assembling and evaluating consumer credit. There is no law that requires them to furnish any information about me the consumer.

Congress has also made it clear at 15 USC 1681 ( a ) ( 4 ) that there is a need for consumer reporting agencies exercise their grave responsibilities with FAIRNESS, IMPARTIALITY, and a RESPECT for the consumers right to privacy. Equifax is being unfair, impartial, and they are disrespecting my right to privacy by reporting accounts and information on my consumer report without my written instruction. They have no consent from me to do this. 

They are also reporting fraudulent inquiries that I did not authorize. 

Equifax has caused damaged to me in numerous ways including emotional stress and defaming my character by reporting negative information that has not been verified making me appear unworthy of my right to receive credit. 

After attempting to resolve this issue with them over the phone multiple times I am now filing this complaint with the CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/19 I went XXXX XXXX in XXXX, Colorado to inquire about a car and after Ive come to the realization that they were continually doing credit checks with copious different banks and them not having a lot of cars that Im interested in, I decided to leave. The very next day, the salesman I was working with started texting and asking me why I left, I told him because I had nothing to offer and kept making my credit look bad. Then he began antagonizing me. Not long after I ended the conversation, there were several more credit inquiries reported under that dealerships name with my knowledge and permission
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/22 I submitted a dispute on Credit Karma and XXXX for inaccurate reporting on my credit report. I asked them to Please provide me with the facts and debt verification. They failed to submit that information to me. I asked for debt validation, instead they sent A break down of charges, which is NOT legally considered validation, They failed to send me the original contract and proof of my wet signature for the alleged debt. They sent the corrispondance on XX/XX/22 that the debt was validated. How is this possible? This is inaccurate reporting and damaging my credit score.