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

On XX/XX/XXXX, Bank of America N.A. Closed 2 of my Long term Credit accounts which I have had with the Bank for over 5 years. I received a letter in the mail a few days following detailing the reason why this action was taken. In the letter I received, Bank of America claimed that due to my action of adding " Authorized Users '' onto the account I was subsequently shut down because of this action in line with other " Economic Trends '' I have been a customer with Bank Of America for over 5 years now, since high school as a matter of fact. It was my first credit card with the bank which also was the longest running credit line in my credit profile. I called the Institution to question their motive when this decision was made. I was not given a specific reason despite my long tenure with Bank of America. Aside from the frustration, One of the cards is supposedly still open with the bank however, I can not use the line of credit, Will have to pay interest and fees yet the product itself is unavailable for me to use! 

In they're terms Of Service agreement, Bank of America States you may have up to 10 Authorized Users on a given account. I did not have no where near that number yet the bank decided I was too much of a risk despite my long history with the institution. 

It is woefully ignorant in this modern age for a Bank of this stature to not even so much as Call or text the customer given this decision. I am at a complete loss as to why this bank would do this when I have never had a single late payment and never have had any other issue in the past.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX on My Experian Report XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XX/XX/year> XXXX XXXX XXXX Account # : XXXX Dear Experian, I am writing to dispute a tradeline on my Experian credit report associated with XXXX XXXX XXXX. This letter serves to formally request the removal of this inaccurate information from my report, citing several consumer protection laws. 

Grounds for Dispute : Limited Disclosure of Consumer Reports ( 15 U.S.C. 1681b ( 1 ) & ( 2 ) ) : The Fair Credit Reporting Act ( FCRA ) strictly regulates the circumstances under which consumer reporting agencies, like Experian, can furnish consumer reports. According to 15 U.S.C. 1681b ( 1 ) & ( 2 ), you can only disclose such reports under limited conditions, including when a court orders it or with the consumer 's written instructions. In this case, I have not provided any written consent for the disclosure of this tradeline.

Aggravated Identity Theft ( 18 U.S.C. 1028a ) : The presence of this unauthorized tradeline on my report suggests the potential misuse of my personal information. Disclosin such information without my consent may constitute a violation of 18 U.S.C. 1028a, which prohibits aggravated identity theft. 

Right to Opt-Out ( 15 U.S.C. 6802 ) : The Gramm-Leach-Bliley Act ( GLBA ) safeguards consumers ' nonpublic personal information held by financial institutions. Accordng to 15 U.S.C. 6802, financial institutions can not share such information with non-affiliated third parties without first offering the consumer the opportunity to opt-out. Since I did not authorize the disclosure, this may be a violation of GLBA. 

Request for Action : Based on the aforementioned laws, I demand the immediate removal of the XXXX XXXX XXXX XXXX from my Experian credit report. I request written confirmation of this action and any updated copies of my credit report reflecting this change. 

Additional Information : I am prepared to pursue all available remedies under the FCRA, including but not limited to statutory damages, actual damages, attorney 's fees, and injunctive relief. I urge Experian to take this matter seriously and to take immediate steps to rectify the inaccuracies on my consumer file. 

I expect a prompt response to this notice and a resolution of this matter within the specified timeframe. Failure to do so will leave me with no alternative but to pursue legal action to protect my rights under the FCRA. 
Thank you for your prompt attention to this urgent issue. 

Sincerely, XXXX  My Attorney : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter from Lexis Nexis dated XX/XX/2023 in regards to a dispute submitted in XX/XX/2023 via CFPB. In my dispute I requested that XXXX to provide me with the source it used to verify the completeness and accuracy of this bankruptcy record reporting on my credit file. It was discovered that Lexis Nexis was the data source for this record according to the attached letter. Lexis Nexis used it's internal source ( Lexis Nexis ) to verify the completeness and accuracy of this record, however according to the attached consumer report sent by Lexis Nexis does not include any bankruptcy record. Lexis Nexis has violated the FCRA by reporting unverified information to XXXX. Additionally Lexis Nexis has violated my privacy by releasing my personal non-public information without my written consent. I demand that Lexis Nexis remove this record from their internal database and to update any suppression reports. I demand that they cease the reporting of this information to XXXX.
Product: Checking or savings account

I signed up for a US Bank Silver Business Checking Account in XX/XX/2023 with an advertised {$500.00} Bonus for funding the account and maintaining a {$3000.00} Balance of " New Money '' ( AKA new money, new to this bank account ). I also qualified with the same code for a {$600.00} bonus for opening a payment processing account and making a sale of at least {$50.00} to be direct deposited into the same Business Checking Account. I worked hand in hand with an Agent and clarified all details to make sure all requirements were met and I was assured by my agent XXXX that all requirements were met. I was supposed to receive both of these bonuses within 45-60 days of the account being funded and the payment being processed. It is now beyond that time. I made business decisions factoring in these bonuses and I have left more funds in this account than I wanted to just to let this settle so I could get the bonuses. I would like this {$1100.00} credited to my account immediately. US Bank has not shown themselves as reliable so far because of this situation. 

I've called a few different occasions and it seems every department redirects me to another department supposedly responsible and nobody can give me a definitive answer what is going on and when this is hitting. I have saved receipts and saved correspondence of the entire process and would like this resolved as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XX/XX/2020, XXXX XXXX add a hard inquiry on my credit reports. 
On XX/XX/2020, XXXX add a hard inquiry on my credit reports. 
On XX/XX/2020, AMERICREDIT add a hard inquiry on my credit reports. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law toverify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. I demand that the following account be verified or removed immediately : 1. The inquiry was not authorized CREDITOR Please remove it from my credit report. 

I respectfully request to be provided proof of thisalleged item, specifically the contract, note or other instrument bearing my signature. 

Failing that, the item must be deleted from the report as soon as possible. This information is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes. 

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. 

Under federal law, you have thirty ( 30 ) days to complete your investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your investigation. 


Thank you, XXXX XXXX
Product: Credit card or prepaid card

Good morning, this issue is with comenity bank, XXXX XXXX XXXX XXXX  card in my name ending in XXXX. The problem is, every month without fail I send my payment and it's never credited until after I make an electronic payment, as if they are purposely not depositing the check to run up late fees. For example, on XX/XX/XXXX I sent a check to them due XX/XX/XXXX, still as of now not credited to my account. I don't have this issue with any other company I deal with. But this is always a problem and they can't always blame the post office. Other companies I can mail across the country and it's credited in XXXX  days, but this one doesn't go half as far and this happens every month. And I really don't want to hear their form letter response about paying other ways.i choose to pay this way and it's never a problem with any other company but it always is here. Thank you for your help with this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX  and XXXX  should not be reporting a charge off in the amount of {$15000.00} on the XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) I have been working with XXXX XXXX XXXX XXXX and the XXXX account was settled in XX/XX/2020 and should be updated to report a {$0.00} balance. I have attached documentation for reference that this account has in fact been settled. This false reporting of a charge off is seriously harming my credit score and this line item needs to be updated and/or removed from my credit report. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to fix this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXXXXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX account # XXXXXXXX XXXX XXXX account XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Money transfer, virtual currency, or money service

FILE A COMPLAINT XXXX XXXX XXXX XXXX XXXX DC XXXX XXXX Bank Teller on duty! 
Male Teller unknown Name would not provide Nor let me in the bank to cash my check it was XXXX On today at approximately XXXX I arrive at this location to cash my company check at this location. The would not open the door but talked to me thru the glass and asked me " What you want? '' I said just need to cash a check. He said no an walked away shaking his head. The door was still locked an it was after XXXX. This bank is not open to the public or this is not a public bank. The Teller was very rude an unfriendly with me. He did not greet me nor nor use any form of manners to communicate. The Teller use hand jesters to ask me to leave while he prompt the door open to hear what I wanted. When he opened the door an stuck his head and it was after XXXX. The Teller said no shaking his head an closing the door. I knocked again he waved his hand no sir an when back to working on the computer. 


This was the worst experience I ever had with a bank Teller but I've been to this bank b4 an this could be the way your bank operates im not sure I need to take this check back to my employer cause not the bank it's signed in will cash the check after waiting outside in rain for 15 minutes, I will be sure to advise other community members of the excpected experience at this bank location due to the Teller working at that location. 


Respectfully, XXXX XXXX XXXX DC XXXX XXXX XXXX
Product: Checking or savings account

XXXX XXXX XXXX was a colleague of mine that was helping me with my computer, Ipad and phone as of XX/XX/XXXX. He took over my electronics devices and changed the account name and passwords. I had to have a tech specialist reset my computer and passwords. He got access to my account information and passwords. He also stole my Wells Fargo Debit Card, Wells Fargo Credit Card, XXXXXXXX XXXX XXXX and applied for credit on XXXX XXXX. He also applied for a XXXX XXXX with Wells Fargo. He runs a non-profit called XXXX XXXX XXXX. Several Charges were made to this organization. XXXX also charged camera rental gear on XX/XX/XXXX to XXXX XXXX and XXXX on my Wells Fargo Debit Card and did not return the equiptment. 

Wells Fargo : XX/XX/XXXX - XXXX XXXX {$500.00} # XXXX XX/XX/XXXX - XXXX XXXX XXXX {$100.00} XX/XX/XXXX - Online transfer from XXXX XXXX Card {$500.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$150.00} XX/XX/XXXX XXXX XXXX {$.00} XX/XX/XXXX - Online Transfer Visa Signature Card {$1100.00} XX/XX/XXXX - Online Transfer XXXX XXXX Chacking {$250.00} XX/XX/XXXX - ATM Withdrawal {$100.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$400.00} XX/XX/XXXX - ATM Withdrawl {$600.00} XX/XX/XXXX - XXXX XXXX {$7.00} XX/XX/XXXX - Non WF ATM Withdrawl {$340.00} XX/XX/XXXX - Non Wells XXXX XXXX {$2.00} XX/XX/XXXX - ATM Withdrawl {$100.00} XX/XX/XXXX - XXXX XXXX XXXX {$73.00} XXXX - Online Transfer XXXX XXXX Checking {$280.00} XXXX - Online Transfer From Visa Signature Card {$31.00} XXXX - Online Transfer From XXXX XXXX XXXX {$25.00} XXXX - Online Transfer From XXXX XXXX XXXX {$25.00} XXXX - AXXXX XXXX {$240.00} XXXX XXXX Shargrid {$400.00} XXXX - XXXX  {$6.00} XXXX - ATM Withdrawl {$120.00} XXXX - Account Transfer {$410.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been working on my TransUnion credit profile and I noticed there is an incorrect addresses on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation that support my dispute, including. Thank you for your prompt attention to this matter. 

The INCORRECT Addresses are XXXX XXXX XXXXXXXX XXXX XXXX, IL XXXX and there is XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX. 

The correct address is XXXX XXXX XXXX, XXXX, IL XXXX and the only address that should be on my consumer report. 





I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 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 information 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. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent investigation letters to XXXX and transunion on XX/XX/2023 in regards to inaccurate information reporting on my profile all letters were sent certified mail I also requested their method of verification giving names and contacts of everyone they spoke with to verify any accounts on my reports I further explained in my letters that I do not consent to the e-Oscar method of reporting that the bureaus use to so called investigate which is totally illegal as of this date of submission of this complaint XX/XX/2023 I have received no response from the bureaus Im requesting the intervention of the cfpb to force these bureaus to get in compliance with the law and remove any item reporting inaccurately and unverifiable according to my rights as a consumer.
Product: Debt collection

Will you please verify that the information reported is 100 % accurate and that you can fully verify it. Otherwise, will you please remove from my credit report. Accounts in question below. 

XXXX XXXX {$68.00}
Product: Credit card or prepaid card

In XXXX of XXXX, we purchased {$14000.00} worth of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX which had a XXXX 0 % interest promotion financed through Comenity Capital Bank . This loan ( account number XXXX XXXX XXXX XXXX ) was on a monthly payment plan to ensure the full balance was paid off within the XXXX promotional period. 

Then in XX/XX/XXXX, we made a 2nd purchase which also had a 12-month 0 % interest plan, and was told by the reps at the XXXX & XXXX XXXX XXXX XXXX XXXX FL store that it would be a 2nd/separate loan with its own 12-month 0 % interest promotional period. 

But it was not set up correctly, and the amount from the 2nd loan was added into the first loan which caused the first loan to go into default when its promotional period expired and has kept the account in default the entire time incurring more late fees and penalties until the full balance of both loans was fully paid off. Also, at the same time, the 2nd loan amount was added, and our account was changed to paperless without our consent which caused this issue to go unnoticed for a period of time. 

Once it was discovered, we first tried to contact the XXXX & XXXX in XXXX XXXX XXXXXXXX XXXX store manager who advised us there was nothing he could do, to contact XXXX XXXX the XXXX XXXX XXXX for XXXX XXXX XXXX and Comenity. 

XXXX advised us to submit/open a case with Comenity regarding this, which we did and were promptly denied stating nothing can be done due to it being more than 60-days. XXXX attempted to address this case with Comenity and was also denied for the same reason. 

We attempted to fight this with Comenity Capital Bank on multiple occasions and were told each time that the issue was caused by XXXXXXXX XXXX XXXXXXXX because Comenity wouldn't have added the 2nd loan amount to the first loan unless the instructions from XXXXXXXX XXXX XXXXXXXX indicated to do. 

Each time we requested/demanded for Comenity Capital Bank provide us with documentation/proof that the order was done improperly by XXXX & XXXX. Each time Comenity Customer Care Supervisors refused to do so and claimed that the document doesn't exist due to it being over XXXX ago old though Florida state law requires the retention of all loan origination documents for 7-years. 

The bottom line is, by Comenity Capital Bank improperly added the value of the 2nd loan into the first loan 's 12-month 0 % interest promotional period, it caused that 1st loan to default and incur over XXXX XXXX in penalties and fees. Comenity has refused to remove any of the late fees or penalties while providing zero proof that anything was done improperly by XXXX XXXX  XXXX and they don't seem to have any systems in place to handle anything over 60-days old which allows them to categorically deny any situation like this.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX and equifax all have my concerns about identity theft i have no knowledge of the following accounts including XXXX XXXX and XXXX XXXX. i have asked them to either perform a proper investigation and to remove these things from my consumer file for fraud.