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

On XX/XX/XXXX, I reached out to Bank of America in regards to XXXX unauthorized transactions ( {$110.00} x XXXX, {$38.00} XXXX ) which was posted to my account on XX/XX/XXXX. I spoke to the fraud department, and request that a stop payment on any and all transaction made by the merchant be placed. I was assured that the stop payment was in place. Luckily I didn't have the funds in my account. 

On XX/XX/XXXX, the merchant again tried to make 4 unauthorized transactions ( {$110.00} x XXXX, {$38.00} x XXXX ). This time the merchant XXXX XXXX  was successful with the withdrawal. I called Bank of America Fraud department, and my money was refunded in the amount of {$300.00}. I asked why this transaction was paid, when a stop payment was placed for any transaction from this vendor? I was told it is the way the vendor processed the transaction, but they will place another stop payment. 

On XX/XX/XXXX XXXX unauthorized check withdrawal ( # XXXX & {$38.00} ) was processed and paid by Bank of America, even though I didn't have all the funds in my account. I called Bank of America, and once again I was transferred to the fraud department, and asked how is these payments being processed when there has been a stop payment placed against this vendor. I was told it is the way the vendor put through the transaction. I asked why did BOA pay an authorized transaction, overdraw my account by {$72.00}? I was told there isn't anything they can do, I need to reach out to the merchant. I said but I didn't authorized the transaction. They man refused to process my dispute, and continue to say I need to reach out to the vendor. 

The part that is disturbing to me, is that there were times I paid my mortgage, and was short {$5.00} and Bank of America returned my mortgage payment. Yet, they had no problem paying an unauthorized transaction and put my account in overdrawn status. 

I tried to go online and close my checking account, and open a new one to further prevent this issue, but it wouldn't allow me too. I call Bank of America customer service, and she wanted to verify me. I gave my SS #, address, date of birth, and the last 4 # on my debit card. She proceed to ask what is the state identification I used to open the account? Mind you, this account was opened in XXXX or XXXX which I mentioned to her. This I thought was a stupid question, because if I used a passport, they don't give the same passport number when you renew. If I used my New York Driver 's license, I don't have it anymore, because I moved to Florida in XX/XX/XXXX. This was plain nonsensical. SO now I have to go to a brach to verify who I am, which is clearly a waste of my time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted several ( 5 total ) factual based disputes to Equifax and provided documentation demonstrating and proving to Equifax my dispute is valid ; however, Equifax continues to report inaccurate information yet Equifax has failed to properly investigate my disputes nor have they reviewed the documentation I have provided. 

All 3 credit bureaus are reporting different payment histories, different payment dates, and inaccurate dates last active. Each time I dispute the inaccurate information, each credit bureau indicates they have verified the information. If each credit bureau is reporting different information for the same creditor ( s ) how can the information be verified? This is proof Equifax is not verifying the information or conducting an investigation I have the right to a fair and accurate credit report under the FCRA and if the creditor can not provide the credit bureaus with consistent accurate information, these items must be removed from my credit report. 

I have given the creditor and Equifax several chances to properly report the information or remove the inaccurate accounts from my credit file and the credit bureau has failed to investigate my dispute, correct, or remove the inaccurate information from my credit report. 

I submitted a CFPB complaint on XXXX against Equifax and Equifax initiated a new dispute as a result ; however, Equifax has still failed to properly investigate these disputes and the documentation provided sand still continues to report inaccurate information. 

To See Disputed Accounts, review Disputed Accounts_Equifax
Product: Student loan

I have been paying off my $XXXX loan since XX/XX/XXXX. A few years ago my servicer was changed from XXXX to XXXX education. Today I received a notice in the mail that my loan was going to be changed again and serviced by "Nelnet" as of XX/XX/XXXX that any payments past this date would be automatically forwarded to "Nelnet". (date I received this letter is XX/XX/XXXX) I have not received any info from this other company "Nelnet" regarding them acquiring my loan and how to proceed with payments. 
As of today the XXXX education website goes to a blank web page. No information is available about any of the payments I have paid over the last 5 years. XXXX  "This Page isn't working." "HTTP ERROR 500"

How is it legal for a loan servicing company to make my financial records regarding over $25,000 in payments completely inaccessible to me. I can't believe that this is a legal action that this company, XXXX, has taken. If it is yet another transfer of my loan, fine, but why haven't I received some sort of record to date of what my current loan balance is along with the information about how my loan is being transferred? These companies should have an ethical obligation to provide such information before rendering their services unavailable to loan payers. Since they obviously don't have moral compass, it should be made a law to require there loan servicers to provided this paper trail {all it would need to be is a XXXX spreadsheet printout} before transferring loans, to prevent the new loan servicers from taking advantage of those of us that haven't been taking screenshots of every new balance after payment.  This is highly unethical and I am stressing out that this new loan servicer, Nelnet (who has zero info about me so far) might conveniently get my balance wrong causing undue stress and anxiety over having to prove that I have already paid down over $21,000 on this loan's principle. It happened to me before when I transferred from XXXX to XXXX and I had to make them correct it. It would have cost me thousands if I had not noticed. I am so sick of this XXXX. AND my interest on this federal loan is 6.75% < unethical to the max  > a sad story for another day.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has not mail my free report i requested several times.
Product: Credit reporting or other personal consumer reports

Social security number is XXXX The negative items that are fraud have not been removed from my XXXX  credit report and equifax Credit report theirs a federal trade commission identity theft report on file please have XXXX and equifax removed those items
Product: Mortgage

After requesting three times to have no more phone calls until these XXXX   resolve the complaints I received another phone call on Tuesday XX/XX/2019 at XXXX from XXXX after three times telling them I want no more phone calls and asked to have my number removed on three calls previous they have failed to do so and now today 6-11 they are just running the message until it cuts them off saying nothing. More XXXX from these XXXX.
Product: Vehicle loan or lease

This dealership scammed me for years they kept intimidating me and not giving me tags or my title that so long ago should have belonged today : the purchase purchase price of the truck is XXXX And I have paid XXXX So far. 

They tricked me into signing some extra contracts to say that I had to pay triple of what the original contract was worth they done repo truck and trailer the way it set up it was 175 precut interest they refuse get my tags I cant not run with tags expired to make the money make the payments
Product: Credit reporting or other personal consumer reports

My car loan is no longer being reported to my credit report. It was before, but is no longer there. I still have the car loan and I am still paying on the car loan. I called Santander Consumer USA, that's who my loan is through. They told me they escalated to the credit bureau and someone would call me back in 3 business days. 4 business days passed, I thought maybe they were behind. I called back and they said everything looks normal on their end and they can see my car loan on my credit report. I tried to go trade my car in, the dealership told me there is not car loan on my credit report. Santander will not call me back and Everytime I call them, they just respond with someone will be in touch or I'm sure it will be reported at the end of the month. It's going on 3 months now.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX I send letters to Experian, XXXX XXXX XXXX regarding unauthorized inquiries placed on my credit report from different credit card companies. I asked them to remove them from my reports as I did n't authorized them at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 3rd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX, IL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX, XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX  / XXXX XXXX : {$0.00}, XXXX XXXX XXXX XXXX Balance : {$17000.00}, XXXX  XXXX Balance : {$2800.00}, XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$4500.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX TX ) XXXX Balance : {$6400.00}, ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2500.00}, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXXXXXX 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: Credit reporting or other personal consumer reports

This is XXXX XXXX please XXXX not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Product: Debt collection

Dear DYNAMIC RECOVERY SOLUTION ; XXXX XXXX XXXX ( Account # XXXX ) I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is accurate.
Product: Credit card or prepaid card

My BBVA credit card is killing my credit score. 

My credit card limit was decreased without any warning. It went from {$4400.00} to {$3500.00} in XXXX. I was not given a reason. 

I have made all of my payments on time and I have never gone above the spending limit. 

This caused my credit score to go down because my available credit was reduced by {$900.00}. 

I have now been told that they closed my account on XX/XX/XXXX without telling me. 

Also, I am no longer able to make payments online so they charged me a late fee after I got an error on XX/XX/XXXX. XX/XX/XXXX I called to inquire about the computer issue. 

When I asked why my account was closed they transferred me to XXXX  .... 

They would not let me speak to a manager or anyone who could answer WHY my account is closed.
Product: Credit card or prepaid card

Im really not sure what more to say. There were two accounts, apparently opened with US Bank that do not belong to me. Nobodys denying the fact that the account somebody opened them. It just wasnt me. I have reported the identity theft to all three credit bureaus.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of fraudulent accounts and inquiries associated with my credit file as permitted under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ). I am a victim of a data breach, and the following accounts and inquiries are not authorized by me. 
Fraudulent Accounts : 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 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 XXXXXX/XX/XXXX
Product: Credit card

On XX/XX/year> I was charged {$130.00} in the XXXX at XXXX XXXX XXXX. I had authorized the merchant only to charge me about {$20.00} ( my drink bill ). The merchant agreed they made a mistake but claimed they did not know how to void the charge and wanted me to just use the extra. I tlld them I would not and would challenge with my CC company. I then paid the tab ( about {$20.00} ) in cash so the entire CC transaction could be voided. The merchant did not give me a receipt and I did not sign anything. 

I immediately called my CC company while I was outside the establishment and informed them an unauthorized charge was made on my card and I needed it voided. I was told I had to wait for the charge to post and then I could dispute it, which I did when it posted a few days later. 

When I contacted the card issuer ( Chase Bank ) I told them everythything that happened and that I wanted to process this as fraud since the merchant intentionally overcharged me and would not cooperate in refunding. Chase did an investigation and said that since I paid my bill in cash after, and provided the mechant my card initially, they could not consider this fraud, no matter how much the merchant charged me- even if they had charged me {>= $1,000,000}. Since I paid what I actyally owed in cash, they said they would need a receipt or they could not process my dispute. 

I explained that the merchant because the merchant was defrauding me they did not provide a receipt nor would they help me. They said there was nothing they could do, even though they believed me when I said the merchant over charged me, because of XXXXXXXX XXXX  rules regarding disputes. They said that because I gave them my card voluntarily, I was responsible for whatever amount they charged, even though I did not sign a receipt for the credit card charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a credit card account with CITI Bank on XX/XX/2021 but had never received the card in the mail. I later spoke to a representative to have a new card sent out only to find that my account had been closed against my explicit instructions to just send me a new card. Now my credit score has been negatively impacted by 23 points as a result.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. See Attached FTC Report, Utility bill, and form of identification and remove the following accounts per 605B of the FCRA. 

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

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXXXXXX XXXXXXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX # XXXX has violated my rights. 

15 U.S.C 1681 SECTION 602 A. STATES I HAVE A 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: Credit reporting or other personal consumer reports

These companies are reporting late payments on my credit reports for accounts that have been either closed or charged off. Despite my efforts to resolve this matter through direct communication with each of these institutions, they have failed to correct the reporting errors. 

Additionally, I have not received the required IRS Form XXXX for any canceled debt associated with these accounts. The absence of this form has prevented me from properly addressing the matter on my tax filings. 

Due to their failure to rectify the situation, I have taken the step of reporting these institutions to the IRS for non-compliance.
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. 

Account Name : XXXX XXXX  # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX  XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXXXXXX # XXXX Account Name : XXXX XXXX XXXXXXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX  # XXXX Account Name : XXXX  # XXXX Account Name : XXXX  # XXXX Account Name : XXXX  # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX  # XXXX Account Name : XXXX XXXX XXXX XXXX  XXXX XXXX # XXXX Account Name : XXXX  XXXX XXXX # XXXX Account Name : XXXX  # XXXX Account Name : XXXX  # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

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

15 U.S.C. 1681 section 602 A. States that 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.