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

Accts ending XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
Bank of America has been deducting money from my available balance every time they decline a charge. Even though the money is in my account they find an excuse to decline the charge but still take that money out of my available balance. When it's time to credit the money back to my accounts, I also notice every time Bank of America does this the money is never re-deposited back into my account the transactions just go away. Also, B of A charges its customers {$50.00} each time they use a none Bank of America ATM. I was never informed of this until I saw {$50.00} dollars being deducted twice in one day and I ask the customer service rep what was that fee for, which if I never asked or noticed it I would not still know.
Product: Credit reporting or other personal consumer reports

I have recently initiated disputes regarding certain accounts on my credit report that I believe are inaccurately reported. However, I have encountered significant delays and stall tactics in the resolution process, which has raised serious concerns about TransUnion 's compliance with the Fair Credit Reporting Act ( FCRA ) and my rights as a consumer. Upon reviewing my credit report, I have identified accounts that do not belong to me and appear to be inaccurately reported. As a responsible consumer, I promptly filed disputes with TransUnion to rectify these errors and ensure the accuracy of my credit information. However, the response I have received thus far has been unsatisfactory, marked by what I can only describe as stall letters that seem to prolong the resolution process unnecessarily. It is crucial to emphasize that under the FCRA, consumers have the right to dispute inaccuracies on their credit reports and expect a timely and fair investigation. The purpose of this process is to maintain the accuracy and integrity of credit reports, enabling consumers to make informed financial decisions. TransUnion 's apparent delay tactics not only undermine the intent of the FCRA but also create unnecessary stress and uncertainty for consumers like myself. Furthermore, I am deeply concerned about the failure to validate the accounts in question. The FCRA mandates that credit reporting agencies must conduct a reasonable investigation into the accuracy of disputed information. By not validating the accounts that I dispute, TransUnion is not fulfilling its obligation under the law, and this raises questions about the integrity of the credit reporting process.I urge TransUnion to take immediate action to address these issues and ensure a prompt and thorough investigation into my credit report disputes. I believe that the resolution of these matters is not only in my best interest but also crucial for upholding the principles of fair and accurate credit reporting.
Product: Credit reporting or other personal consumer reports

I'm sending this to let you know that the following companies have unapproved inquiries on my credit report. Below are the names of the companies and the dates on which I acquired the inquiries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

My identity was stolen between XX/XX/XXXX-XX/XX/XXXX. As a result, multiple accounts were opened and used without my knowledge. XXXX XXXX XXXX XXXX was one of the accounts listed in my identity theft report. There was fraudulent charges on my personal checking account, my business checking account, an auto loan was taken out, and my credit card was compromised. I reached out to XXXX XXXX several times about my business account in which XXXX XXXX charged my business account over {$750.00} in fees due to the account being hit with multiple ACH attempts. The car loan and credit card are still present on my credit reports to date. I was told by XXXX XXXX to file a police report and send it to them to get these accounts removed from my credit reports. They have yet to respond and it has been over 3 weeks.
Product: Credit card or prepaid card

Bank of America credit card company charged {$3.00} interest to {$280.00} balance subject on XX/XX/XXXX. For this bill, I made {$310.00} of purchase which is due on XX/XX/XXXX. 
For the previous month, I paid in full the new balance total of {$900.00} ( {$570.00} ( the previous balance ) +late fee {$25.00} +interest {$12.00} + $ XXXX {$900.00} ) on XX/XX/XXXX which was before due ( XX/XX/XXXX ), and there was no balance for the interest. I don't understand where both the balance {$280.00} and the interest {$3.00} are coming from. 
On XX/XX/XXXX, I talked with XXXX in North Carolina branch of bank of America credit card. She told that BOA has a policy that they charge the interests 'double ' consecutively for the 'one ' billing cycle of the unpaid balance, even though I paid it full amount of New balance on next month which includes late fee and the interest. So, when we both read together the policy on the statement, it says : BOA will NOT CHARGE interest on purchases on the next statement if you had paid the new balance total in full by the payment due date. The BOA policy is totally opposite of what she said. When I asked the explanation it to her, she hung up the phone.
Product: Student loan

On XX/XX/XXXX I paid online my full past amount due. It was only about {$510.00}. That included any payment up until XX/XX/XXXX that may have been delinquent. Then, when I go to make the next payment in XXXX, I see via my credit report that the account has been delinquent since XXXX of XXXX. So my payment in XXXX, never covered the past due amount because somehow, even though I clicked " pay past due amount '' it was {$6.00} short. I, of course, didn't realize this until this next payment was due, because they didn't care to tell me. But what the issue is here is a random {$6.00} debt that must have been applied the moment I clicked " pay past due amount '' that keeps my account delinquent no matter how hard I try to pay it. I don't want to make another payment in fear they will just take my money and add another {$6.00} to keep me delinquent. 

This is seemingly predatory, and the lack of communication and effort on the loan collectors side is unbelievably unhelpful. 

The loan servicer is UAS. When I called the first time to ask why this was happening, the customer service agent hung up on me within minutes of hearing about this extra {$6.00}. When I called back the new agent told me it would take a while to review the account. Meanwhile I can not buy a house because of how these reports are affecting my credit
Product: Student loan

Hello, I recently logged into my account on myfedloan.org in attempt to payoff a few loans. The website is actually pretty intuitive and easy to navigate, and I was able to quickly identify how much my payoffs are. The site makes you select : payments & billing, loan payoff, selections of loans, payoff date ( to calculate interest ), then your banking info. So I did these steps on XX/XX/19 and the system advised me that the 3 accounts I wanted to payoff totaled {$7700.00}. I made the payment, and double checked they were in fact closed XXXX. It shows that I still owed a interest amount that previously showed when I selected payoff from XX/XX/XXXX. I contacted them, the lady helping me was nice, tried viewing my issue, but couldn't give me an answer as to why it generated additional interest that in their screen shows me I paid off in full. Her answer was " you must have paid only principle not interest '' I advised her and offered to walk her through my screens, their system does not allow you to pay only principle, furthermore the payment history screen shows that I did pay the interest that is reappearing in error. Clearly it would be foolish to pay some obscure amount of money ( {$7700.00} ) for no apparent reason. I know their system advised me that this amount would in fact pay the loans off completely, please help identify what is going on.
Product: Checking or savings account

my social security number was used to open a checking and savings account by an unauthorized person
Product: Credit reporting or other personal consumer reports

EQUIFAX IS VIOLATING MY FCRA RIGHTS FOR ALLOWING THIS ACCOUNT TO CONTINUE REPORTING ON MY CREDIT REPORT. XXXX XXXX XXXX THIS ACCOUNT HAS BEEN CHANGED MULTIPLE TIMES, DUE TO MULTIPLE REPORTING ERRORS. THE FCRA CLEARLY MENTIONS ALL INCORRECT ACCOUNTS BEING REPORTED MUST BE REMOVED. THE FOLLOWING ACCOUNTS ARE BEING REPORTED INCORRECTLY AGAIN AND MUST BE REMOVED : XXXX XXXX XXXX {$0.00} EQUIFAX CHANGED THE INFORMATION MULTIPLE TIMES AND IT IS STILL NOT CORRECT.
Product: Credit reporting or other personal consumer reports

Under 15 U.S Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report. It shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information dispute by a consumer, an team 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, base on the results of the reinvestigation; and ( 1 ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. U.S Code 1681a-Definitions ; rules of construction, ( 1 ) In General-The terms consumer report Means any written, oral, or other communication of any information by consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title Recently, I did an investigation on my credit report and found several items on there to be inaccurate Chase Auto Loan information on my report is inaccurate, this account has been paid as to the terms of the agreement I ask that this be reverse to pay as agreed. Please reverse the following item, immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed my consumer report and find that XXXX funding is still reporting after a cease and desist letter was sent to them on XX/XX/2021. The letter specifies no third party communication. Not only that, the account was deleted and reinserted without notice to me the consumer in writing under 15 USC 1681i ( B ) ( ii ). They also have not given me the right to validate the alleged debt by sending an audit trail for validation.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit score is being incorrectly affected at all three of the credit rating agencies by an issue that happened with XXXX that was a mistake on XXXX  part. I have contact all three of the agencies about this and have not received a response. I have submitted a dispute online for each of the three credit agencies with not response. This is adversely affecting my ability to get a loan. Please advise
Product: Mortgage

Good Morning : I had completed the loan process with New American Funding for a condo at 10 % down. The loan was approved and as such, I satisfied all pre-pays to include inspection, appraisal etc. As a result, I received a closing disclosure less than a week prior to the scheduled day. New American comes back on the day of scheduled closing ( XX/XX/28 ) and indicates they can not process the loan as previously approved and would need 25 % down. I am seeking actual damages as well as compensation for the loss off opportunity on this property. 

Mortgage rep : XXXX XXXX XXXX Underwriter : XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I have had this card for 4 years and last few years Ive had personal stuff going on that resulted in a injury and time off work. I contacted NFCu both times letting them know my circumstances even after I told them I kept trying to make my payments. I even had it to where I was only XXXX over the limit. Right when I paid my payment the interest hit again resulting in my payment making no impact. Which it has done continuously. 
They then told me they would work w me however the interest still hit resulting in over XXXX a month payments. Which was hard to do given being on workers comp and off work for an injury. 
They then promised they would lower my payment and keep my card open. However after that was promised they turned around and closed my card saying that my payments were missed in the past and they couldnt keep it open. Yes it was missed but thats why I contacted them to work w them. They lie non stop and promise customers that they would work w them when in general they over draw your acct more by tagging on more interest to the point that you are now over the limit by XXXX. They also asked me to pay XXXX a month on this cc. 
Not to mention being harassed two to three times a day w phone calls. Its ridiculous. Then you get threatened for being sued, credit reporting and so on. 
I have tried several times to work things out w NFCU but they are impossible. Even with XXXX hitting and me being on XXXX XXXX for a year they didnt even work w me. 
I would like help on this. I now owe XXXX on a XXXX cc w them. They guaranteed my card would stay open and lied about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XX/XX/XXXX -Attempt to establish a service agreement with XXXX via authorized retailer XXXX XXXX XX/XX/XXXX -Received e-mail from XXXX XXXX that product was shipped to home address XX/XX/XXXX -Received e-mail from XXXX XXXX that product was routed to UPS Accost Point XX/XX/XXXX -Contacted XXXX XXXX ; Retailer verified the package as lost. Requested a reshipment of device under XXXXXXXX  XXXX in place of contract with XXXX. XXXX XXXX Representative approved. 

After submitting this information to XXXX, the company refuses to acknowledge a miscommunication between retailers and proceeded to place a non-existent collection in my name for a XXXX device I never received. 

I have submitted several disputes with all 3 credit reporting agencies and nothing has been resolved. I have contacted XXXX several times to remedy this over the course of a year to no avail.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/year>XXXX  ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, Experian, XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a 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. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXXXXXX, IA XXXX Subject : Request for Reinvestigation of Credit Reporting Error Dear [ Recipients Name/To Whom It May Concern ], I am writing to formally dispute an inaccuracy in my credit report as provided by the credit bureaus. My name is XXXX XXXX XXXX, and my credit report contains an error regarding my Revolving/CLOSED account with XXXX ( Account # XXXX ). 

Upon reviewing my credit report, I noticed that this account is missing from my report at TransUnion and Equifax, despite being reported to all three bureaus. The Fair Credit Reporting Act, Section 1681e ( b ), requires that credit reporting agencies ensure maximum possible accuracy in reporting. The absence of this account from my reports reflects a negative impact on my credit history. 

Here are the details of the account in question : - **Account Name : ** XXXX - **Account XXXX : ** Revolving - **Date Opened : ** XX/XX/XXXX - **Balance : ** {$0.00} - **Credit Limit : ** {$200.00} - **Payment Status : ** Paid or paying as agreed - **Last Reported : ** [ Insert Last Reported Date ] I kindly request that you reinvestigate this account and update my credit reports accordingly. I have attached any relevant documentation, including my XXXX XXXX letter, supporting my claim that this account exists and is accurately reported to Experian. 

Thank you for your attention to this matter. I look forward to your prompt response regarding the investigation of my dispute. 

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

This complaint is with Exquifax. On XX/XX/XXXX I sent a certified letter disputing the multiple hard inquiries on my account. Specifically the 3 inquiries made by XXXX on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I am also disputing the 2 hard inquiries made by XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX. I believe that Equifax did not do a reasonable and thorough investigation of these items. I purchased a rental house XX/XX/XXXX other than that there does not seem to be any reasonable and legitimate business purpose to take out 5 inquiries. I have 2 major concerns. One is that there is someone who has access to my data. The other is that I will look like a poor credit risk to a lender because there are so many inquiries on my file. ( a total of 7 now )
Product: Student loan

Violations of 15 USC 1621. Discover has deceived the integrity of the banking system and credit reporting system. Discover stated a pause in any reporting but Discover failed to honor what was told.
Product: Debt collection

On XX/XX/2018 I received a letter ( dated XX/XX/2018 ) in the mail from XXXX XXXX XXXX. I opened it and found myself equal parts surprised, confused, and a little scared. The letter stated that they were a collection agency attempting to collect a debt. I found this very odd as I have a good credit score and pay all my bills. I looked at the amount ( {$330.00} ), and the original company claiming the debt ( PayPal ). I instantly became suspicious as I have only used the account once, which was several years ago. I checked my PayPal account. It confirmed that my account balance was indeed {$0.00} and that the last activity was years ago. I`m going to attempt to contact XXXX, but after a quick google search pointing to a scam, I`m apprehensive to deal with them. Thank you for your time and consideration.
Product: Checking or savings account

Went to chase atm to make a deposit, the atm malfunction and kept the money. Got a receipt stating to contact the number immediately. Went inside the bank and spoke with the tell who initiated to have a company come out and check the machine which was done in 4hrs. File my complaint with the appropriate department and was told that it's an ongoing issue and will not be able to deposit my cash until the investigation is completed and it's not a grantee that I will receive it. Spoke with cooperate who didnt seems to care much about my complaints or the fact that I have Bill 's to pay and will be charge late fees, spoiled my credit.
Product: Debt collection

They call daily over 5 times a day and sometimes within 10 mins of each other. They call from blocked number so there is no number. Then they use spoof numbers
Product: Credit card

My credit card/PIN and identity was stolen in XX/XX/year>, there were series of fraud transaction charged to my card total $ XXXX and when I discovered it, I filed fraud claims for all these transactions. However, I recently received a letter stating chase fraud department closed the majority of the claims
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 this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance : {$700.00} XXXX XXXX Balance : {$700.00} XXXX  XXXX Balance : {$700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair credit reporting Act, XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C Section 602A, states I have the right to privacy.

15 U.S.C Section 604A Sec.2, states a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

On XX/XX/2019 I pay off and resolved the account in full with XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. Experian is required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX  XXXX XXXX Open Date XX/XX/2021 Balance : {$770000.00}, XXXXXXXX XXXX XXXX XXXX Open Date XX/XX/2021 Balance : {$390000.00}, XXXX XXXX  XXXX XXXX Open Date XX/XX/2021 Balance : {$280000.00}