23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX XXXX XXXX and THD/CBNA. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, TXXXX, XXXX XXXX XXXX and THD/CBNA with no successful resolution. There was definitely an error on their part.
Product: Checking or savings account

I asked do bean audit and accounting on my account from present-opening an audit. Bank errors.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or around XX/XX/2022, I called the fraud department of XXXX, Equifax and XXXX to report that I have approximately 17 or more unauthorized inquires reporting to my credit profile. Neither company did anything to fix this problem and the inquiries are still reporting and has yet to be removed.
Product: Checking or savings account

I was informed yesterday, and it was admitted by the assistant branch manager at Ameris Bank in XXXX on XXXX XXXX that my legally separated spouse was given information about an account that she is not listed on with our bank. It is a joint account that I have with my son for his social security that she is not allowed to be listed on. Instead of calling the adult listed on the account, the assistant manager admitted to breaking protocol and giving the information to them without contacting an adult listed on the account. For the record, my son is underage and has no legal form of id. This is not an account that my child knows about, he has never utilized this account, and I have informed several people at the bank prior to this event that my wife has filed for divorce when I started a new account with them.
Product: Debt collection

CREDIT SYSTEMS INTL IN is reporting 4 accounts on my consumer credit report. I do not know who this company is. I have NEVER given written or verbal consent to anyone to pass my information along to this 3rd party company. I do not owe this company anything, I have never received any service from this company. Therefor. this company is furnishing unauthorized and inaccurate information on my credit report that would be resulting to identity theft.

The 4 accounts that are being reported : Account number : XXXX XXXX {$63.00} Account number : XXXX XX/XX/15 - {$120.00} Account number : XXXX XXXX {$250.00} Account number : XXXX XX/XX/15 - {$170.00}
Product: Mortgage

Bank of America denied us a HELOC based on the value of our home. However, they refuse to provide us with details as to how they came up with a home value over {$60000.00} below what their XXXX system on their website publishes, although that is supposedly what they used, what comparables they are using, or any other details that would explain why they are undervaluing our home by that extreme of an amount. The home was refinanced in late XXXX through the lender and they even appraised the home higher than what the amount came back on the latest appraisal that BOA can not and will not provide any answers to. When they were provided with direct comparables within the last 90 days of homes that are of the same vintage and even exact style as our homes they were denied stating that they were not appropriate comparables even though they are XXXX streets over, within our actual neighborhood, and again are even of a similar style/floorplan as many homes in our neighborhood were built at the same time and just have slight variations. This has already been escalated to their supervisors but they still refuse to provide any details or clarity as to how the evaluation number was reached. They obviously had no problem running our credit or collecting excessive amounts of information regarding our personal information ( which they also lost twice ). I can only imagine that demographics are at play somehow to impact the way they are making their decisions and hurting those of us who have no power to do anything to stop them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The EQUIFAX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXXXXXX 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

I have filed several complaints with XXXX, Transunion & XXXX in regards to information from a creditor in regards to some medical bills that I am not aware of from XXXX XXXX XXXX in XXXX, MI. I have filed several complaints with the creditor and credit bureaus with no success in having them removed. I have been doing the run around game with the credit bureaus since XXXX of XXXX and they refuse to fix the problem.
Product: Credit reporting or other personal consumer reports

The following credit inquiries are currently listed on my credit report and I do not recognize any of the inquiries. Besides not recognizing the inquiries I didn't not authorize any of these institutions to run my credit. Transunion report. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I owed a debt to XXXX XXXX that was sent to a collection company. That company has been paid in full. They still reach out to me, they will not send me proof of debt being paid off but it shows a XXXX balance on all three credit reports. I have asked them to send me my receipt for payment and to remove the collection but they refuse.
Product: Credit card

My credit card was stolen at the end of XXXX, XXXX. I called Avant to inform them that there were unauthorized charges and my card was compromised. They agreed to dispute the charges and send a replacement card. I received my replacement card. The charges, however were not disputed. I sent a letter in XXXX as well with a copy of the police report to the billing dispute address in my cardholder agreement ( XXXX, IL ). I followed up on XX/XX/XXXX as to why the charges still appeared on my account. The representative informed me that the dispute was denied because they did not receive my letter and they had tried to contact me to request additional details but I did not answer the phone. Although I did miss their call, I disputed the charges when I initially called and by mail.
Product: Debt collection

I disputed this debt and they sent me a medical bill in return, this is not verification of the debt and they are also disclosing personal health information without my consent. They are breaking the privacy law by releasing health information about the condition of my son. The privacy law is being broken by the medical care provider and the collection agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an alert from XXXX XXXX alerting me that I voluntarily closed my XXXX XXXX account. I just simply paid off my loan. Considering that there is an existing investigation with XXXX, I should not have a closed account. If anything, the account should say PAID IN FULL. My XXXX Credit score decreased by 58 points due to this error. I have been paying this loan for a little over 6 years and am very aware that if I voluntarily have XXXX XXXX to close the account, I lose Credit length and perks due to paying a loan in full. This needs to be put back on my report. Removal of this from my report is a derogatory mark. It makes no sense considering that I still have an open dispute on an account that has an open dispute. I called yesterday and the rep said that maybe the credit bureau removed it, because XXXX has not yet reported. Reporting happens at the beginning of the month, according to the representative. I do have my title but I never voluntarily agreed to having a closed account and derogatory mark on my report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Experian member ID # XXXX XXXX Via XXXX XXXX XXXX XXXX Ca, XXXX XXXX To : Experian Headquarters XXXX XXXX XXXX XXXX XXXX, Ca XXXX : Dispute of Charge-Off on Credit Report Dear Experian Headquarters ( after many incompetent actions this is my last attempt before seeking compensation ) I am writing to formally dispute the charge-off listed on my credit report for the account with XXXX XXXX XXXX account XXXX XXXX XXXX its closed showing no balance, save yourself a lawsuit since you choose to ignore my legitimate Fruad claims and remove all closed accounts ) This dispute is based on several factors : 1. Data Breach Impact : My personal information was compromised during the UCV 3-604 data breach. As a result, I believe this charge-off may be inaccurate or improperly handled due to unauthorized activity stemming from the breach. I request that you investigate this matter thoroughly. 

2. Failure to Provide Form 1099-C : The creditor, XXXX XXXX XXXX discharged my debt without notifying me or issuing a Form 1099-C as required under IRS guidelines for debts of {$600.00} or more. This omission violates reporting obligations and leaves the status of the debt unclear. 

3. Discharge Without Proper Notice : Under UCC 3-604, creditors must follow proper procedures when discharging debts, including providing written notice or documentation of cancellation. XXXX XXXX XXXX failed to adhere to these requirements, further invalidating the charge-off entry. 

I request that you investigate this matter and remove the charge-off from my credit report if it is found to be inaccurate or unverifiable. Enclosed are supporting documents, including evidence of the data breach and correspondence with the creditor regarding the missing Form 1099-C.

Please notify me in writing of your findings within 30 days as required by the Fair Credit Reporting Act ( FCRA ). If additional documentation is needed, feel free to contact me at ( XXXX ) XXXX or XXXX Experian blatant disregard for my legal rights is beyond the point I am done writing letters and well be seeking compensation!! 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

I contacted all three credit bureaus and informed each site that I do not own this debt. I completed three separate investigations. 

XXXX, XXXX and XXXX- XX/XX/2019, XX/XX/2019, and XX/XX/2019 I notified Capital One that I do not owe this debt.
Product: Checking or savings account

Ive been with Navy Federal since 2010, and Ive had ongoing issues with overdraft fees. Ive been charged multiple overdraft fees in a single day, sometimes totaling over {$200.00}, because of the way transactions are processed. Each overdraft fee is {$29.00} for me. It seems like they dont always reflect my actual available balance at the time of purchase.

Ive also noticed that some transactions stay pending for a long time, which has led to overdraft fees when they finally post. Ive even been charged overdraft fees at ATMs and for purchases where I had enough funds when I made the transaction. Compared to my other banks, Navy Federal takes longer to process transactions, especially with XXXX, which makes it easier to get hit with these fees. 

With the lawsuit going on against Navy Federal for overdraft practices, I feel like my experience isnt unique.
Product: Checking or savings account

I have Navy federal and They have been charging me for over draft fees for pending money in my bank account. It has been an on going situation with navy federal credit union.
Product: Credit card or prepaid card

On XX/XX/2023, I was checking my email and noticed that XXXX Bank had sent me XXXX emails informing me about my new credit card the problem was that I had not applied for a new credit card. I proceeded to call XXXX Bank to report this fraud. They canceled the card and told me they would report it as fraudulent. They advised me to add a credit alert in the Credit bureaus. That day I called XXXX and added a credit alert to my account. 
On XX/XX/2023, I received a phone message from Capital One Bank telling me that they were trying to contact me about my recent credit card application the problem was again I had not applied for a credit card with any bank. I proceeded to call Capital One Bank and informed them that I had not applied for a credit card. 
I then opened an account in XXXX to check the hard inquiries on my account and also notice that there was another attempt to open a credit card under my name on XXXX XXXX XXXX. I also called them and informed them that this was a fraudulent application they told me that they would cancel the application and report it as fraudulent. 
I then called XXXX, XXXX, and XXXX to freeze my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Every time I go on TransUnion Website/XXXX and attempt to get my credit report it never gives it to me. Even though I pass the identity verification, Please assist with this ASAP
Product: Credit reporting or other personal consumer reports

I submitted a complaint against Credit Acceptance XX/XX/2023 .Their response was they were going to fix credit reporting issues. I don't see a change in anything there's still numerous discrepancies on my credit reports. Credit Acceptance is a known XXXX XXXX the CFPB didn't do much to help me in this matter. I spoke on issues about the dealership and the financing of the vehicle. The deception and high interests rates that consumers endure in a time of need by dealerships and bad credit finance companies are hurting the uneducated and minorities. The unfair credit reporting hurt my credit and added to my hardships during the pandemic. Credit Acceptance did little to offer relief during the pandemic. Most times I felt forced to make arrangements that I couldn't keep in order to keep the vehicle. I lost two sources of income during the pandemic including one that was used to finance the vehicle. I called multiple times asking for help. Credit Acceptance repeatedly called from several different states and numbers several times a day and within a weeks time. I would pay and the account would still be the red. I tried getting multiple loans and was denied due to credit reporting from Credit Acceptance. I wasn't offered favorable loans and resorted to high interest payday loans digging myself deeper in debt. During the shutdown caused by the pandemic my funds were very limited. My income was Social Security XXXX and I had to file taxes before I could receive a stimulus check. While homeschooling my children Credit Acceptance would call and upset me so bad it affected my ability to educate my children. My health issues began to escalate from the constant calls and voicemails. The XXXX and XXXX  from the repo was awful. XXXX lost personal property the first repossession the tow company immediately went thru my car. The car wasn't in their possession 24 hours. I had to borrow money to regain my car and payback high interest on the loan. The response Credit Acceptance gave in my first complaint didnt help and the balance is still the same. I did agree to take possession but never did because I saw very minimal change on the account or my credit score. The vehicle was repossessed twice.
Product: Credit reporting or other personal consumer reports

I have already brought this matter to XXXX, XXXX AND EQUIFAX. attention However, THEY have failed to take appropriate action to investigate and delete inaccurate information within the legally required timeframe. This failure to comply with the FCRA, despite having been notified, constitutes willful noncompliance as outlined under 15 U.S. Code 1681n. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Impact of Noncompliance : Due to your failure to address this issue properly, I have suffered damages, including but not limited to : Lower credit score : Resulting in the denial of credit or higher interest rates. Emotional distress : Caused by the negative impact of inaccurate credit reporting. Financial harm : Due to credit denials or unfavorable terms for loans or credit lines. My Demands : In light of the harm caused by your willful noncompliance with the FCRA, I am requesting : Immediate removal of the inaccurate information that your company is reporting to my credit. If you do not remove these accounts, I will be forced to sue You should also know that I am keeping a record of all communications relating to this matter including this letter. Should the issue not be resolved within the statutory period, I reserve the right to pursue legal remedies.15 USC 1681n - Civil liability for willful noncompliance Compensation for damages : I reserve the right to pursue legal action under 15 U.S. Code 1681n to seek actual damages, statutory damages, and punitive damages, along with attorneys fees and costs if necessary.
Product: Checking or savings account

On XX/XX/2023 I spoke with XXXX at XXXX. XXXX XXXX XXXX Bank of America in XXXX, IL. I was inquiring about depositing checks for my minor son 's who are ( XXXX. and XXXX XXXX XXXX ) and don't have Bank of America accounts, but I do. I asked if I could deposit them in my account and he said no. I told him in years past I deposited my minor son 's checks in my checking account but he said we can not do that anymore I would have to open accounts for my sons. I asked if I could speak with the branch manager and he replied he was the branch manager. I told him I wasn't comfortable giving out my minor sons SSN and other info. because of identify theft and he actually laughed/ chuckled a bit. Anyhow, he refused to deposit my sons checks and was rude and unprofessional. I actually work in the financial regulatory industry and ask this be investigated. I don't know if BOA has some sort of employee incentive compensation program based on account openings but for the life of me I can not understand why he refused to deposit my checks ( which btw : I deposited at another branch with no problems ). I asked that you please remedy this situation so bank customers aren't lied to and forced to open accounts when they are not legally required to.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

1. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE ACCOUNTS MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 these accounts are not mine. 
XXXX XXXX Account Number : XXXX This account is inaccurate and fraudulent. Im seeking Litigation. Please delete at once. 

2. FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. 
XXXX XXXXXXXX XXXX XXXXXXXX Account Number : XXXX This account is inaccurate and fraudulent. Im seeking Litigation. Please delete at once.

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT METRO 2 COMPLIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. 

PLEASE BE AWARE THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX XXXX XXXX OF XXXX CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX XXXX  : STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY
Product: Debt collection

I have mailed a debit validation letter on XX/XX/2023 and I received no written communication rather attempted phone calls. I have also had issues in validating debit over the phone and have been entered into debit repayment plans even after NOT AGREEING to anything of such. I still have not received a validation letter.
Product: Credit reporting or other personal consumer reports

I was looking into my credit report the other day and what I found made me very anxious then I was overwhelmed with helplessness. During my investigation I found evidence that the agencies did not their job of verifying the accuracy of their reportings and this is causing me a lot of stress and XXXX, because what they are reporting is entirely inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit 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
Product: Mortgage

My wife and I fail behind on our mortage payments, we asked for a modification on our loan and have been going no where every since. They 've been saying this paper wasn, t complete or this was n't submitted on time, just as if at was a complete run around. So we have been rejected on so many a times we turned to a third party agency to help us move the process along, thinking that the agency had more experience then us they could move thing a long at the very lest show us what we where doing wrong. After putting together a new package to submit on our behalf the professionals were rejected saying paper work was not in on time after two to three days, not stating it should be in the next day.