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

I have sent multiple emails to the client care rep at Bank of America with no response. Below are my attempts to get in contact with someone as well as how I was treated by customer service. They said I would not be able to open a savings account at Bank of America 'for the rest of your life. ' See Below : I sent an email voicing a complaint that BOA refused to open a savings account for me 'for the rest of your life ' according to XXXX operators I spoke with. I have been a BOA costumer since XXXX to present and never received such negative treatment. Today, a person by the name of XXXX sent me a message assuring me that I would be contacted by someone at XXXX. XXXXXXXX XXXX message was deleted from my account. The person I reached at the number XXXX gave me is not a bank. They had no clue what I was talking about. 

All I have asked is to start a savings account. I live in XXXX  and the closest BOA brach is XXXX hours away in XXXXXXXX XXXX 

I them received an email from someone to call a number in response to my concern. By the time I opened my phone to call the number, the email had been redacted and disappeared. 

You are illegally ignoring my concern leaving me no choice to report you to the FDIC, go through the Federal Reserve 's Complaint process, and essentially ask for advice from a bank fraud examiner. 

I simply would like to open a savings account. This is a mature, professional matter that I expect you to treat as such. 

XXXX XXXX XXXX, XXXX, XXXX -- -- -- -- -- Forwarded message -- -- -- -- - From : XXXX XXXX XXXX Date : Tue, XX/XX/XXXX, XXXXXXXX XXXX  Subject : Update Savings Account Denied To : XXXX Cc : XXXX Hide quoted text I sent an email yesterday voicing a complaint that BOA refused to open a savings account for me 'for the rest of your life ' according to XXXX operators I spoke with. I have been a BOA costumer since XXXX to present and never received such negative treatment. Today, a person by the name of XXXX sent me a message assuring me that I would be contacted by someone at XXXX. XXXXXXXX XXXX  message was deleted from my account. The person I reached at the number XXXX gave me is not a bank. They had no clue what I was talking about. 

All I have asked is to start a savings account. I live in XXXX  and the closest BOA XXXX is XXXX hours away in XXXXXXXX XXXX 

If you all will not help me, I have no other recourse than to report you to the Federal Reserve. I have been lied to, pushed off on someone who isn't even a bank, and asked repeatedly for help by BOA. 

I will give you until XXXX XXXX  on XX/XX/XXXX to resolve this and open a savings account for me. Otherwise, I will report you to the Federal Reserve and anyone else that can enforce you to answer me promptly. 

I expect a prompt, truthful reply XXXX XXXX XXXX, XXXX, XXXX
Product: Checking or savings account

I was traveling in XXXX around late XXXX and made a purchase at a gas station for a piece of candy around $ XXXX. Once i returned home and checked my account i noticed a charge for {$350.00} at a market in which was the same place i purchased the candy. I called my bank to dispute the charge. I did not have a receipt and they said they would reach out to the market to request one. It has been over two months and i have not received my money back and my bank states that there is nothing they can do about it.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against Equifax for failing to properly investigate disputes I submitted regarding inaccurate information on my credit report. Despite providing sufficient evidence to support my disputes, both companies failed to conduct a thorough investigation, as required under the Fair Credit Reporting Act ( FCRA ). 
Under the FCRA, credit reporting agencies are obligated to investigate disputes in a timely and reasonable manner when consumers challenge the accuracy of the information on their credit reports. However, the handling of my disputes appears to have been cursory, with no meaningful review of the evidence I provided. Furthermore, inaccurate information continues to remain on my credit report, negatively impacting my creditworthiness. 
This practice violates Section 611 of the FCRA, which mandates that credit reporting agencies verify disputed information with furnishers or remove unverifiable information promptly. The failure to investigate properly not only undermines the accuracy of credit reporting but also places an undue burden on me as a consumer.

I request that the Consumer Financial Protection Bureau ( CFPB ) intervenes to ensure that Equifax comply with FCRA guidelines by conducting a proper investigation into my disputes and correcting the inaccuracies on my credit report. I also ask for any remedies deemed appropriate to address the inconvenience and harm caused by their noncompliance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim if identity theft
Product: Credit reporting, credit repair services, or other personal consumer reports

USAA Federal Savings Bank is once again reporting my account in error. 

USAA shows the account last PAYMENT was made on XX/XX/XXXX yet the account was CLOSED on XX/XX/XXXX. How could I have made a payment on a CLOSED account? 

These dates are wrong and according to the FCRA, they must delete any information on my credit report that is incorrect. 

Once again, USAA is harassing me and my financial life by prolonging derogatory credit reporting to pay me back. They have intimidated me in the past and had little compassion for me as a military service member. Over the years, these dates have shifted numerous times and its all to take advantage and bully me. Please ask USAA to send you a paper trail of all these date changes then please fine them.
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 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>
Product: Credit reporting

PLEASE NOTE : THIS IS NOT A DUPLICATE COMPLAINT****** Per Trans Union explanation of closure to remove/delete XXXX original Creditor XXXX XXXX this was included in this complaint and part of resolution this account was removed. I called Trans Union and talked to supervisor XXXX XXXX which informed me the XXXX XXXX XXXX was still on my credit report and not XXXX. This confusion which the supervisor XXXX XXXX refused to understand this is the same account and told me that I must follow the same again procedure of filing a dispute or contact the in creditor in writing to get XXXX for XXXX XXXX XXXX for XXXX to delete this dispute. I repeatedly gave XXXX XXXX XXXX the CFPB case number XXXX and tried to explain that XXXX XXXX XXXX XXXX was the same account on my complaint with CFPB. Sadly, to say XXXX XXXX XXXX still did not understand, yet assisted I follow his procedure by writing to creditor and filing another dispute. Supervisor XXXX XXXX XXXX ignore and refused to investigate my CFPB case ( XXXX ) where this matter could have simply resolved. However, supervisor XXXX XXXX XXXX admit that he is aware of the CFPB complaint, but took no action to investigate my complaint. Therefore, Trans Union did not honor their response to resolve this dispute. I would like for Higher Management to investigate this matter and please remove this error from my credit report and send hard copy of my credit report with the correction. 
Please see attachment Trans Union docx. ( XXXX ) Thank You XXXX XXXX
Product: Payday loan

On XXXX/XXXX/15 I received an email from a XXXX XXXX. Case XXXX Amount Due XXXX Loan Company USA Fast Cash. They claim they are going to prosecute me within couple of days. The email stated the XXXX XXXX XXXX XXXX has stated XXXX serious allegations against me. The telephonenumber to call is XXXX. I have never borrowed money from USA Fast Cash.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX EQUIFAX MORTGAGE XXXX XXXX, XXXX XXXX XXXX XXXX -- XX/XX/XXXX XXXXXXXX XXXX  -- XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

I would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get products, services, or money. Please remove the following items. 

XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$9300.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$3400.00} ; XXXX XXXX XXXX XXXX Balance : {$580.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

At the time my card info was stolen, I was in between living situations and found myself in a undesirable position of having to file a police report against a person that at the time I thought was helping me out when nobody else would. I reviewed my transaction history after about a two week period I realized some of my funds might be missing or inaccurate charges were possibly being made. On XXXX XXXX, i filed a claim dispute against several charges i did not authorize. I no longer had the card in my possession which is why i decided to file a report and open a dispute claim for the unauthorized transactions and to report my card stolen. I went over all transactions with a wells fargo claim specialist who advised me to add all transactions i did not authorize and right away noticed that a few of the unauthorized transactions were already closed and removed from my dispute before the investigation was complete. I worked with every dispute specialist i talked to and folliwed all the directions given to me to resolve my claim but in the end mt claim was closed and denied without any resolution as i never recieved my stolen funds back nor did i ever recieve the reasons why wellsfargo felt that i wasnt owed back any money that has been stolen from me. Ive contacted wells fargo several times and still have yet to actually resolve my claim and get my money back. My account is still open but only until i get reimbursed my funds. The amount in unauthorized transactions nearly amounts to {$1700.00}. Please help me figure this out losing that money has putme back quite desperate for a resolution i can agree too.
Product: Credit reporting or other personal consumer reports

Companies were utilized to pull my credit report without my knowledge which became hard inquiries and collections that made my credit score drop to well below XXXX points.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth 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 items 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, MD XXXX XXXX XXXX XXXXXXXX Balance : {$9700.00} XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXXXX/XX/2022 XXXX  XXXX XXXX XX/XX/2022
Product: Debt collection

Called today and threatened me with liens on vehicles and bank accounts if debt not paid. The debt is not even mine.
Product: Money transfer, virtual currency, or money service

I had a cashapp account. On XX/XX/XXXX. XXXX, three transactions had occurred to a XXXX ( cashapp tag XXXX XXXXXXXX ), at Block, INC XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX. The transactions that occurred were one for XXXX $ another for XXXX $ and XXXX for XXXX XXXX Cashapp had stated and told XXXX XXXX XXXX XXXX that I did not need to pay one of the XXXX $ but I took part in the other {$200.00} and the {$300.00}. I had issues with my bank to where I had to pay {$500.00} because of Cashapp. I called on XX/XX/XXXX and they are opening up the investigation again, to look into it. I had called again on the same day to make a complaint and I had spoken to XXXX. He was very informative and was the only person I had spoken to that actually listened to what I was saying. He had told me that it does not make sense on why I would not be reimbursed for the {$200.00} and XXXX XXXX I had spoken to him and told him that I wanted to be reimbursed. On XX/XX/XXXX, I have been bullied all day by XXXX XXXX XXXXXXXX XXXX staff at the bank on XXXX XXXX XXXX XXXX XXXX XXXXXXXX, telling me that they would take my car and I would never be allowed to open an account at any bank again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have received a copy of my credit report and it shows company XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$540.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Product: Checking or savings account

I have a small XXXX  where I make XXXX XXXX  and XXXX XXXX XXXX. This person reached out to me for a local event and even provided a date, time, location for this specific event. They sent me half the money up front via an e-check. When I deposited it via my mobile account, the check cleared almost immediately. Then, a day or so later this person reached out saying that the event was cancelled due to XXXX. They asked me to send the money back via Zelle. A few days went by and I received a copy of this check in the mail from my bank with a fraud stamp on it. I thought that was weird since it cleared on my mobile bank account. So, when I went to look back at my bank statements, I noticed THREE returns made to this person. The return I made specifically to them, another {$1500.00} they decided to take, and in addition to that another return that I didnt make for {$15.00} to that same person. This was incredibly awful and a lot of money taken from me. I have all the information saved in my email for further use if needed. I also have their email address and the Zelle account they used. Thanks in advance!
Product: Debt collection

I received a letter from Debt Collector for LVNV Funding several years ago and in response within 30 days requested validation of the debt. LVNV has never responded or provided requested validation in accordance with the Fair Debt Collection Practices Act and continues to report to all XXXX Credit Reporting Agencies that the Debt is a Collection Debt. In accordance with the FDCPA this reporting and all debt collection actions was to cease until LVNV provided the validation. The debt is now time barred. I contacted the Credit Reporting Agencies and they will not remove the collection action even though it vioates the FDCPA and is time barred.
Product: Mortgage

We can not get a copy of our forbearance agreement, even after several requests, which is preventing us from refinancing our home. We paid another lender an application fee and an appraisal, which has now expired, since our mortgage handler ( RP Funding ) would not originally issue the payoff amount and now will not issue a forbearance agreement, which our new potential lender needs in order to refinance. 

We requested forbearance from RP Funding in spring XXXX, were approved for forbearance via email on XX/XX/XXXX ; however, we have never received a copy of our forbearance agreement. We called, emailed, and sent secure messages through their website on multiple occasions ; however, no one can provide the agreement. We are since out of forbearance and paid in full. 

In XX/XX/XXXX, we tried to refinance our home with RP Funding, but we could not get a call or email back regarding refinancing. Therefore, we went to another company, XXXX, in order to refinance. XXXX said that the needed a copy of our payoff amount of our current mortgage so we signed a release letter for them to get a copy of it. However, they were not able to get a copy of it so we tried calling multiple times in XXXX, XXXX, XXXX of XXXX and were never provided one. I did not keep track of these calls as XXXX said we should close on the new loan in XX/XX/XXXX. 

Then XXXX said that they needed a copy of our forbearance agreement. My husband and I have contacted RP Funding via phone, email, and sent messages through the RP Fundings secure website, requesting the forbearance agreement from XXXX XX/XX/XXXX, and RP Funding either says that they will send us the forbearance agreement or that we should contact another department. We have contacted all the departments that they have told us to, including Customer Service, XXXX Department, and the XXXX XXXX Departments, but no one ever sends us the agreement. ( It should be noted that the XXXX XXXX Department only has a phone number and does not have email or secure message transmittal options. ) On XX/XX/XXXX, RP Fundings XXXX XXXX Department said that there was not a forbearance agreement on file and that they would have to draft one. They promised that they would send it to us again via email by XX/XX/XXXX ; however, we have still not received anything. 

In addition, we found out that RP Funding sent negative notices to our credit reports even though we were in good standing when we requested forbearance in XX/XX/XXXX and were approved for forbearance on XX/XX/XXXX via email. Since we requested to have them reverse the negative reports to our credit scores, they have allegedly fixed our credit reports as this protection was supposed to be covered by the CARES Act since our loan is a XXXX loan. 

We have been out of forbearance for months, we have paid off the forbearance amount, and they keep promising to get us a copy of the agreement by certain dates ; however, we never receive anything. This lack of action is preventing us from refinancing our home.
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 account need to be investigate and deleted from erroneous reporting in my file is listed on my credit report : XXXX XXXX XXXX
Product: Student loan

I took out a private loan with   XXXX   XXXX   /  Navient  in  XXXX , it totaled to {$3900.00}. I attempted to arrange a payment arrangement with them, as I have a federal loan that now totals  XXXX . They would not work with me unless I paid them the money they requested, I remember trying to make a {$50.00} payment because that was all I had and they would n't accept it. I could not make large payments to them and pay for my federal loans. It ultimately went into collections.     It appeared that I would have better luck with them, although they told me the amount was around {$6300.00}, which was far more then the initial amount. They asked for a lump sum amount to bring it current. I was willing to do that at the time, I made  two  payments of {$500.00} (  XX/XX/XXXX    and  XX/XX/XXXX    ). Which I thought brought the balance down to {$5300.00}. I have been making payments towards this debt since   XXXX  . In total I have paid {$1800.00} towards this debt  (  {$1900.00} on   XX/XX/XXXX   its automatic withdraw ).     I have been trying to improve my  credit score , so I recently ran my  credit score  and saw that the debt was not as low as I thought it was. When I realized this I contacted the agency, only to find the debt had been given to another company. I was never notified or contacted about the changes and they are claiming I owe {$6000.00}. They told me I needed to contact Navient about the debt being on my credit report and the amount that the loan was. I called  Navient  and they told me that I need to contact the  credit collections  agency.
Product: Credit reporting or other personal consumer reports

I pulled my credit file from Equifax. They listed XXXX XXXX XXXX on my file. I filed a dispute stating the account paid in full. I supplied the letter from XXXX and StudentAid.gov that it is paid in full. Equifax refuses to change the file. I received the results back from the dispute stating the account is correct when it is not.
Product: Debt collection

I was sent a letter from IC Systems stating I owed a credit {$170.00}. I have a copy of the debt demand. When I disputed the debt and asked that they furnish proof that I owe this debt I was told that if I did not pay the {$170.00} then they will report me for owing XXXX ( which I certainly do not owe ). I told the agent I am an attorney and that was blackmail. He hung up the phone. I was never sent the proof of debt ( I even faxed my dispute to them ) and instead they reported to the credit bureau that I owe {$980.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has a Bankruptcy showing in my credit report that IS NOT MINE, I have never filed for bankruptcy, and there is not a clear cut way to protest this record for me so far, also the record shows false information reported by XXXX, i have never filed bankruptcy,
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I paid my account in full with XXXX XXXX XXXX XXXX ( listed under Accounts Research Inc. ). And on XX/XX/XXXX, I sent a letters to XXXX, XXXX, and XXXX to notify them that the debt has been settled and paid. However a week ago, I noticed that on my three bureau credit report report that XXXX XXXX is reporting a new balance on my account as well as reporting it as a new charge off with notes on the account that is simply not true. My score dropped 64 points. I called and spoke to a representative with the company and she apologized and said that she will update the information and it will be deleted off of my credit report. Fast forward today on XX/XX/XXXX, I woke and noticed my credit score dropped another 32 points because they decided to keep posting this as an active and open charge off when that is a lie the account has been paid in full as of XX/XX/XXXX. This is a CLEAR violation of my rights under the Fair Credit Reporting Act to be reporting this on my credit report for reporting a debt as charged off when you settled or paid it in full and misstating the balance due.The account was opened XX/XX/XXXX, it has reached its statute of reporting time of 7 years anyways this year on XX/XX/XXXX. I demand that this account be removed from my credit report with all 3 bureaus immediately.