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

I hold both a business and a personal checking account with Axos Bank, located at XXXX XXXX XXXX, XXXX XXXX, CA XXXX. On XX/XX/2024, I discovered fraudulent charges on my account from a merchant named XXXX XXXX These unauthorized transactions occurred between XX/XX/2024, and XX/XX/2024, until the bank intervened and blocked my debit card. Immediately, I requested a replacement card, but despite assurances from Axos customer service that I would receive it within three days, this did not occur. Despite my repeated requests for the new cards to be sent to my home address in Texas, which is on file with the bank, they were consistently sent to my business home office in Mississippi. This hindered me from having any access to my funds. 

Despite discovering fraudulent activity on my account, the bank is refusing to credit back the charges. It's been over 20 days since I requested a new debit card, hindering my access to funds crucial for my business. I have been having to pay wire fees to send funds to external accounts to gain access to funds. This is very unfair to the consumer. it appears to me that Axos is looking for ways to charge fees to the consumer. I trusted my funds were secure and FDIC protected, but now I'm unable to reach anyone at the bank for an explanation. I desperately need assistance to resolve this without closing my account and losing access to my funds along with recuperating the unauthorized charges. 

Axos states in the letter provided that they are not crediting the funds to my account because the unauthorized charges were not reported within 60 days. The letter will verify that 60 days will not come until XX/XX/2024.
Product: Credit reporting, credit repair services, or other personal consumer reports

IN ACCORDANCE TO THE FAIR CREDIT REPORTING ACT, XXXX  # XXXX. HAS VIOLATED SEVERAL OF MY RIGHTS AND NUMEROUS ( FCRA ) LAWS. 

1. ) 15 U.S.C. 1681 SECTION 6028 ( STATES RIGHTS TO PRIVACY. ) 2. ) 15 U.S..C.1681 SECTION II 6048 ( STATES CAN NOT FURNISH ACCOUNT OR INFORMATION WITHOUT MY CONSENT AND OR PERMISSION. ) 3. ) MY STATE OF MICHIGAN, CREDIT REPORTING RIGHTS : STATUE OF LIMITATION OF 4 YEARS HAS BEEN PASSED AND THE DEBT HAS BEEN PAID AS AGREED.
Product: Credit reporting or other personal consumer reports

I opened a Dell Preferred Account with {$1500.00} limit on XX/XX/XXXXXXXX XXXX XXXX I experienced no problems. I received a notice on XX/XX/XXXX that Dell was transferring the account from XXXX to Comenity Capital Bank. This transfer was to occur as of XX/XX/XXXX. 
XXXX and Comenity Capital Bank reported the account to credit reporting agencies for months. I attempted to rectify the issue with no success. Additionally, Comenity Capital Bank is reporting erroneous information. 
I attempted to correct the issues directly with Dell, Comenity Capital Bank and XXXX XXXX to no avail. 
XXXX and XXXX are no longer reporting the XXXX account. I disputed the information with XXXX requesting the duplicate reporting cease. I received a response on XX/XX/XXXX indicating INVESTIGATION RESULTS- VERIFIED and UPDATED : The disputed item ( s ) was verified as belonging to you and information has changed or been updated to reflect recent activity. 
There is no way this could be true. Therefore, I sent a letter more fully explaining the error to XXXX and requesting the method of verification under FCRA Section 611 ( a ). 
I received a response again stating that INVESTIGATION RESULTS - VERIFIED AS ACCURATE and UPDATED : The disputed item ( s ) was verified as accurate ; however, other information has also changed. regarding information reported by XXXX. XXXX indicated INVESTIGATION RESULTS- VERIFIED AS ACCURATE and UPDATED : The disputed item ( s ) was verified as accurate ; however, other information has also changed. regarding the information reported by Comenity Capital Bank. 
XXXX provided no information or documentation responsive to my request about the method of investigation as required by federal law. 
The following errors still exist on XXXX reports : 1. The same account is being reported as DELL FINL SVCS XXXX XXXX and COMENITYCAPITALBANK/DELL. 
XXXX. Both accounts have erroneous information. 
a. DELL FINL SVCS XXXX XXXX reflects the following erroneous information : i. Balance of {$1300.00} XXXX. Last payment of {$500.00} on XX/XX/XXXX b. COMENITYCAPITALBANK/DELL reflects the following erroneous information : i. XXXX XXXX - 30 days late XXXX. XX/XX/XXXX - 30 days late I also disagree with the late payments reported by both in XX/XX/XXXX and XX/XX/XXXX. I am obtaining the supporting documentation to further dispute this as well. 
Comenity Capital Bank is also reflecting my account as having no available credit ; however, the balance owed on the account is currently reflected as {$450.00} with a {$1500.00} credit limit. The response to my inquiry was some nonsense about me placing a cease-and-desist notice on my account in XX/XX/XXXX. All requests for proof of this are ignored. 
This is severely damaging my financial stability and resulted in the denial of credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was alerted by credit karma of a account showing past due. upon looking into the alert I noticed a account with opploans. I did not open give permission to open or have any knowledge of this account. a complaint with the FTC has been filed and communication with the company results in me being hung up on. after review the company oppsloans did not pull my credit as there is no inquiry shown had this been done it would have shown I'm a victim of identity theft and they should not open any accounts in my name. this company clearly does not adhere to the FCRA federal rules and demands payment for an account I did not open.
Product: Mortgage

I have a crazy situation I would like to expose this lender they robbed me out of XXXX I was purchasing a property Long story short the originator told me I was clear to close I wired the funds a day before signing I was sent XXXX conditions I needed a XXXX all kinda docs I sufficed everything Today I get the email my loan was denied because I didn't have enough reserves I was required to have approximately XXXX extra I have over XXXX in my account in reserves I have sent this up to the president of the company and he states he can't get involved Even tho his underwriters are not putting accurate information and his loan originator but me through all of these changes to send hundreds of documentation To deny me with no legit reason I have XXXX in limbo I definitely lost XXXX because of my earnest money deposit and due diligence fee Please help me this company has horrible reviews and we need to expose them so they never do this to another civilian again Feel free to contact me XXXX XXXX. XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have diligently followed all the necessary procedures in disputing the accounts. I've contacted the company, and they assured me the issue was resolved. Law enforcement has been involved, and I've provided a FTC report, which they confirmed as valid. Furthermore, XXXX and XXXX have complied with legal requirements and removed the account. However, Transunion seems to be presenting obstacles, claiming I haven't completed all the necessary steps. Despite my previous claim to Transunion, I remain stuck. They are alleging that the documents I've provided are inadequate. It appears Transunion is failing to fulfill its legal obligation to process the identity theft report eventhough the company already removed the account from the other bureaus. I want to emphasize that I've reported the identity theft to a law enforcement agency, specifically FTC, a federal entity. I seek a resolution to this matter that adheres to proper procedures. The distress caused by this identity theft, coupled with the inability to access my credit, is severely impacting both my personal and professional life. 

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

My credit report is showing an account for XXXX XXXX XXXX Acct # XXXX that has been paid in full which when the account was paid in full XXXX agreed due to a goodwill payment, once the payment has been made they will honor my request for my XXXX to be deleted off my credit report from all three credit breaus. Well needless to say, your credit breau has yet to honor XXXX deletion request off my credit report, the account is still showing on my credit report as closed. I have also faxed the document to your company, called and spoke to a representative at your office, informed them of the contact name and phone number who they can call at XXXX to confirm the information on the letter attached is accurate and still nothing. Let me provide you the information again, I spoke to XXXX XXXX with XXXX XXXX who is the collections manager with XXXX. XXXX with XXXX provided me with the letter attached approving the XXXX account to be deleted off my credit report.
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act ( FCRA ), I am formally disputing the reported late payment on my account, as I believe this information to be inaccurate. The FCRA mandates that all data furnished to credit reporting agencies must meet stringent standards of accuracy and verifiability. 

I respectfully request that the creditor or data furnisher conduct a thorough investigation into this matter and provide concrete evidence substantiating the claim of a late payment. In the absence of such verifiable evidence, I urge that the disputed information be promptly corrected or removed from my credit report in compliance with the provisions of the FCRA. 

This issue is of significant concern, as inaccurate reporting has far-reaching implications on creditworthiness, and I trust that due diligence will be exercised to ensure adherence to the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Tried reaching out to this Bureau several times about accounts that are reporting on my credit that do not belong to me! this information is fraudulent and i want it investigated and removed from my credit report.
Product: Mortgage

In XX/XX/2020 to XX/XX/2020, my regular mortgage payment was rejected from Santander saying they did not know what account to apply the payment too. I was not aware of this until receiving a notice that I did not make my monthly payment. The money was showing out of my account via an ACH payment. I called my bank that the payment originated from and they confirmed it was sent the same way it has always been previously sent. I contacted Santander customer service and told them that the money was showing as paid and our of my account. They had me submit an email to start an inquiry and showing the payment from my account. This inquiry went no where. I received some letters stating that they needed time and we're looking into it, but nothing else. In the mean time, near the end of XXXX, the money was returned to my account and that is when my bank told me it came back saying it did not know what account to add the payment too. Since I did receive the money back, when I made my next payment, I doubled it with this returned money. Same thing happened, and I again called customer service when I received a letter stating I did not pay. They kept telling me to just pay my mortgage, not listening to the fact that I did and it was being rejected though my bank said it was being paid the same as before. This payment eventually came back as well. The bank making the payment stopped ACH payments and started sending them by check instead. Have not had issues after. Nothing came of the inquiry I submitted. I was only out around {$40.00} in late fees which was not worth my time to dispute but I have now noticed that they reported on my credit score that I had a late payment. This is false and needs to be addressed.
Product: Credit reporting, credit repair services, or other personal consumer reports

For past few months, all 3 credit bureaus have been subtracting points and give no reason, other than a generic message for all. 
I get points deducted for a hard inquiry and then I get more points deducted because I have more inquiries than I did the previous month BECAUSE of that inquiry ... that makes no sense. 
I pay off loans, leases and CC balances and lose points. 
Points have just randomly been taken. 
My wife recently had XXXX points subtracted for 1 hard inquiry and she has new credit... that disgusting. 
Recently they took XXXX points from her for zero reason, shes an authorized user on 1 of my CC 's which has held a XXXX balance and XXXX points just taken out of nowhere. 
Stop funding the credit bureaus with our tax dollars, they're in bed with lenders and screwing people over.
Product: Checking or savings account

M1 received a levy from the state of Alabama for child support. They sent me an email to inform me that my account was frozen until they disperse the amount of the judgement. I contacted the state 3 months later they stated that it takes a while for them to process. I contacted the state again they stated that they never received a check from M1. I reached out to M1 and they cant provide me with any payment information after liquidating my account.
Product: Checking or savings account

I attempted to open an account and was denied via email. The so called customer service was evasive, unprofessional, refused to answer why. I was not provided any explanation after being on hold for half an hour and being on an abusive, obnoxious phone call. 

What an unprofessional bank.
Product: Checking or savings account

On XX/XX/2022 someone walked into a Truist Bank in XXXX XXXX, FL and walked out with {$21000.00} of my money. The branch manager will not return my calls, nor will they speak to the police, nor will they show me the video footage, nor will they credit my account after it was clearly fraud. I live in NC. This was 3 weeks ago and I have spent nothing short of XXXX hrs trying to get a resolution. No one at my local branch will pick up the phone or return my calls. When I take time off work and go to the bank, they wont give me any information. They also froze my account and wont let me access ANY OF MY MONEY FOR 3 WEEKS! Please help me!! This is insanity!
Product: Credit card or prepaid card

In 2019 I called BBVA to close a credit card and thought it was closed. Now that BBVA is merging with PNC, I received a notice that a new card was being issued. I called the automated line and found that it was still active. When I attempted to reach an individual ( twice ), the system said they could not take callers and try another day. 

I feel that BBVA 's negligence is creating a risk potential by failing to close accounts on request and leaving active card numbers available. 

The card is for a small business that is no longer in existence.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is an attachment to the complaint sent on XX/XX/2023. 
CFPB Case number : XXXX ( XXXX ) Equifax ( XXXX ) XXXX ( XXXX ) There is another fraudulent account that has been added to the theft report. 

Account : XXXX XXXX XXXX  This account was open without my consent and is a result of fraudulent. Remove this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX . 
Report and other furnished XXXX XXXX, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply .My name is XXXX XXXX XXXX , my current and only address XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX, XXXX , TN XXXX XXXX XXXX XXXX XXXX, XXXX XXXX , IN XXXX XXXX XXXX  XXXX XXXX, XXXX , IN XXXX XXXX XXXX XXXX XXXX XXXX, XXXX   XXXX , IN XXXX XXXX XXXX XXXX XXXX XXXX, XXXX , IN XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX , IN XXXX XXXX XXXX   XXXX XXXX XXXX, XXXX , IN XXXX XXXX XXXX CT , XXXX XXXX , IN XXXX
Product: Debt collection

I sent a cease and desist letter to Online Information Services, for a tradeline that they placed on my consumer report. This debt collector has failed to comply with the provisions of this subchapter 15 USC 1692. 
Please find the letter and information that was sent to them. This letter has been received by Online Information Services today, XX/XX/2022 2022
Product: Student loan

Navient created obstacles to the repayment of my loans by providing bad and misleading information. They also processed some of my payments incorrectly saying I failed to pay back loans when in fact I had. Another problem was they made it impossible to lower my payments. Always giving me a hard time about it.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX Balance Owed : {$69.00} ; XXXX XXXX XXXX Balance Owed : {$250.00} ; XXXX XXXX Balance Owed : {$330.00} ; XXXX XXXX Balance Owed : {$0.00} .
Product: Credit reporting or other personal consumer reports

EQUIFAX I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

EXPERIAN Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

TRANSUNION I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.
Product: Credit card or prepaid card

I have reported the unauthorized charges made to my credit card account to TD BANK USA and they have not worked with me to resolve this report of fraud on my account. They refuse to reverse the charges. I immediately called to report the unauthorized use of the card and twice submitted their Fraud Questionnaire as required. They are giving me the 'run around '. 
All of the charges totaling {$750.00} listed below were NOT AUTHORIZED BY ME. 
Some person, unknown to me, used a credit card that was apparently diverted by mail to make a series of fraudulent charges to my XXXX XXXX account in the transactions listed below. 
I am disputing all of the listed charges. 
Also, I have never processed a CASH ADVANCE transaction for {$400.00} at any time on this account. 
Let me know if you have any questions. 

Posting Date Description and Amount Category Comments XX/XX/2019 XXXX XXXX XXXX XXXX TX - {$320.00} Auto Date of transaction XX/XX/2019 XX/XX/2019 XXXX XXXX MON XXXX XXXX CA - {$11.00} Travel XX/XX/2019 XXXX XXXX XXXX XXXX TX {$400.00} Cash Date of transaction XX/XX/2019 XX/XX/2019 XXXX  XXXX XXXX XXXX XXXX TX - {$11.00} Auto Related Date of transaction XX/XX/2019 XX/XX/2019 XXXX XXXX XXXX XXXX XXXX TX - {$1.00} Auto Related Date of transaction XX/XX/2019 XX/XX/2019 CASH ADVANCE FEE {$12.00} Miscellaneous Transaction XX/XX/2019 XX/XX/2019 CASH ADVANCE FEE {$12.00} Zip : XXXX Merchant : Miscellaneous Transaction Date : XX/XX/2019 XX/XX/2019 Original Amount : {$12.00} INTEREST CHARGE- CASH {$7.00} I would like to have these charges removed from my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been submitting multiple letters from XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized inquiries listed below : XXXX. XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These Inquiries resulted from the theft of my identity therefore, these inquiries must be removed from my XXXX XXXX. Thank you and I am expecting an immediate action with regards to the continuous issue that I am raising.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX TRANSUNION was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus on XX/XX/2022, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I'm not responsible for this account, i never sign contracts with this company.