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

Some time in XXXX a bank account was opened at Bank of America. Here are the pertinent dates : Open Date : XX/XX/XXXX Close Date : XX/XX/XXXX. Account # : XXXX. This account was opened while I was in the XXXX XXXX XXXX XXXX serving a term of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I disputed this account through XXXX XXXX XXXX  as instructed by Bank of America. Within 14 hours of the dispute, XXXX XXXX XXXX XXXX XXXX ) deleted the entry and blocked B of A from making anymore entries on to my report. 
The dispute was sent to the wrong department at B of A ( regular disputes as opposed to Identity Theft disputes ). Rather than leaving everything in place and transferring the dispute to the right department, B of A denied the dispute as accurate and the freeze and deletion were rescinded. I believe a violation of federal law occured when this was done. I had two applications that were denied in the past 48 hours because of this. XXXX was for an apartment and one was for a credit card.

Every other company that received the supporting documents ( I believe the total was 9 ) immediately removed the entry from my credit bureau. 
Today, I called B of A and spoke to no less than 4 different departments. Finally, a manager advised that I pay the amount ( approximately {$270.00} ) and that would at least show that the overdraft ( even though it was identity theft ) was paid off. Once I paid the amount I was told that nothing could really be done because by paying it, I basically admitted the Identity Theft didn't occur. 
This was so egregious that I don't have words for it. It is the the type of behavior that put me in XXXX in the first place. 
Bank of America did no investigation. They lied to XXXX XXXX. They cut corners and tricked me into paying a debt that was not mine. 
The truth is that they don't even have to rely on any documents that I send them. If they took five minutes to do a XXXX search of my name they would see that everything I state is the truth as my case is all over the internet. 
I request they be fined or punished in some fashion. I ask that the funds I paid them them today be reimbursed and they be made to remove the negative entries on both XXXX XXXX XXXX and XXXX immediately. 
Thank you for taking the time to read and investigate this.
Product: Credit reporting or other personal consumer reports

The transunion company is reporting incorrect information, please update the information. 

my address is wrong and my date of birthday. 


The correct date of birth is on my ID attached.
Product: Debt collection

This is not mine they will not remove! AWA COLLECTIONS Address : XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Account Number : XXXX Original Creditor : XXXX XXXX XXXX. Address Identification Number : XXXX Status : Collection account. {$500.00} past due as of XX/XX/XXXX. Status Details : This account is scheduled to continue on record until XX/XX/XXXX.
This item was updated from our processing of your dispute in XX/XX/XXXX. I disputed with them they are saying it 's mine but it is not! Date Opened : XX/XX/XXXX Reported Since : XX/XX/XXXX Date of Status : XX/XX/XXXX Last Reported : XX/XX/XXXX Type : Collection Terms : 1 Months Monthly Payment : {$0.00} Responsibility : Individual
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit bureaus stated my account was properly investigated but how is that possible if the account numbers are inaccurate, open date is inaccurate, the date last active is inaccurate, and date last reported is inaccurate, last verified is inaccurate, creditor type and creditor remarks in inaccurate. This is grounds for removal they also violated my rights under 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 states a consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; XXXX and Transunion are falsely reporting late on the DEPT OF ED/XXXX and DEPT ED/XXXX accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also please reference pages 4 and 5 of the attached credit report. My child was a student in XXXX, XXXX and these student loans should have been deferred. Please remove these line items from my credit report. This incorrect reporting is harming my credit score.
Product: Student loan

Mohela has continually ignored my requests for information regarding my student loans. They give me a run around via email requesting more information about my accounts/loans ; then when I call I am either dropped or put on hold for ridiculous amounts of time. 
Furthermore, they continue to conduct themselves in an unscrupulous and predatory manner. Even though the courts have placed my loans into forbearance, Mohela alternates between listing me as overdue and having payments due in few days. I also attempted to switch my loans from the SAVE plan to a different income driven payment plan. It has been a considerable amount of time ( +two months, I am guessing ) and I have not been contacted once, or notified that they are even addressing the situation. 
I can not afford a $ XXXX per month payment, yet I can not get any help or even acknowledgement that a different payment plan or fair monthly payment is possible. 
Can I request that my loan servicer be changed? I am ready and willing to honor my obligation ( s ), if I am treated fairly and with some dignity/respect.
Product: Bank account or service

Paypal restricted permanently my accounts with them. I understand it is their business decision to not do further business with me but they are withholding my funds for 180 days before they release them. Upon contacting Paypal I was informed that this policy was due to potential charge backs / transaction disputes that may occur due to use of credit card and that the provision was part of their user terms and conditions. 

Paypal User terms and condition state that : '' XXXX Actions by PayPal - Restricted Activities. 
( ... ) e. We may hold your Balance for up to 180 Days if reasonably needed to protect against the risk of liability or if you have violated our Acceptable Use Policy ; '' I find that the period of XXXX is unreasonable in this circumstances because : - There is no risk of liability - my existing balances were from transfers from other users which loaded their accounts with Paypal MyCash which, according to Paypal terms and conditions, are non-refundable ( hence, the risk of liability from Paypal is non-existent ) - I am not involved in any prohibited activities described in the acceptance user policyI wish for Paypal to refund me XXXX, which is my existing balances across my accounts. Reference numbers : XXXX - XXXX - XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hard inquires that i did not authorize XXXX credit XXXX XXXX XXXX, XXXX credit XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. Wrong information addresses XXXX XXXX XXXXXXXX XXXX XXXXXXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX employer XXXX XXXX, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding Unauthorized Credit Inquiry Violation of FCRA ( 15 USC 1681b ( c ) ) To Whom It May Concern, I am filing this complaint to dispute an unauthorized credit inquiry associated with this company. The inquiry in question was made on XX/XX/year> by XXXX XXXX. 

Upon review, I believe this inquiry was conducted without my explicit authorization or in compliance with the permissible purpose guidelines outlined in Section 1681b ( c ) of the Fair Credit Reporting Act ( FCRA ). 

The FCRA explicitly defines the permissible purposes for obtaining consumer reports. To the best of my knowledge : I did not provide explicit consent for this inquiry. 
I do not recall initiating a transaction or establishing a relationship with this company that would justify such a request.
Product: Debt collection

XXXX XXXX debt of {$300.00} ending in account # XXXX was discharged in Chapter XXXX Bankruptcy in 2011. XXXX has sold the debt to several debt collectors since and it is erroneously reporting on my XXXX credit report.
Product: Debt collection

In 2018 we lived in an apartment complex, and were in our last month of the lease. During this time the unit was flooded by a leak from another unit, and cause damage to our unit including all of our furniture. It was also during this time that there was a change in management companies. We attempted to explain the situation to the new management company, but they refused to accept anything less than us paying for the damage. We refused, and it was turned over to a collection agency. I again disputed the debt with the collection agency, but they refused to listen. At the time they were given pictures, and documents as proof of the damage, but still refused to accept nothing less than us paying for damages to the unit. We lived for several month with a large hole in our bathroom wall due to this issue. We do not believe this debt is owed by us, and believe false information was used to create the debt.
Product: Debt collection

On or about XX/XX/XXXX this collection agency was reporting as XXXX, I disputed this information as not my debt and the item was deleted from my XXXX report. This same information is reporting again in XXXX with Transworld Systems as XXXX, the information was reported again with the same collection information as the deleted information. Additionally, the collection agency never sent any written notification of this alleged debt.On or about XX/XX/XXXX, this agency confirmed to XXXX that this debt was valid.
Product: Student loan

I was pre-approved by LendKey for a private student loan consolidation at a great rate, so I submitted my full application. Nearly a week later they finally responded and denied me. I have a high credit score and offered to add my spouse as a cosigner due to his high income, But they loan officer said it wouldn't make a difference. That makes zero sense. This definitely feels like a scam to get my info and then sell it.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Banco Popular of XXXX XXXX or Popular Auto, make a fraudulent payment on XX/XX/XXXX, for a car account that was closed in XXXX to maintain my credit affected. 
Have more than XXXX years of this account was closed and still appears in my credit report of XXXX
Product: Credit card

Signed up for a 0 % APR for 12 month credit card at Mattress Firm via the Synchrony Financial credit card after buying a mattress in XX/XX/year> and being pitched by the mattress firm sales person. I enrolled in auto pay which i assumed would auto pay the monthly balance. I never recieved paper statements from them, but randomly noticed the other day the balance owed had gone up. I had to call and found out my auto pay was only paying the minimum monthly payment and therefore i was building up an interest bearing balance at like 30 % APR given the 12 month promotion period expired in XXXX. Becuase of this, i was hit with about {$400.00} of interest charges and i had no idea. I signed up for auto pay.. why would this result in me having a interest carrying balance? THis seems like deceit at best, or a scam at worst. I pay off my cards in full every year and in my life dont think ive ever been charged an interest penalty for carrying a balance. I think they did this on purpose so that they would be able to charge me interest.
Product: Credit reporting or other personal consumer reports

company has refused to allow me to opt out of reporting per 15 USC 6508 A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. Ally Financial has never given me the option to opt out They have been sharing my personal information to nonaffiliated third parties
Product: Credit card or prepaid card

This is related to Complaint XXXX, which I closed because Pay Pal Credit ( Synchony Bank ) promised to rectify the problem but failed to do so. 

The fraudulent account they opened in my name without my knowledge or consent is still open with a fraudulent balance they are billing me for.
Product: Credit card

The company closed my account, and kept my husband 's accounts open, because they refused to acknowledge we submitted proof of joint income a week prior. I disputed it, because it was unjust, and they refused to do anything about it. It was clear gender and martial discrimination. 

My husband and I have had joint income, joint taxes, and joint accounts for XXXX decades. We have never made a late payment, and our account with Amex had been in excellent standing for a decade.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX Discontinued sending a hardcopy bill form to my residence. Then started to call and wished to have me provide credit card or banking account number over the phone to acquire automatic payment method. I informed them at that time that I have no problem with paying my bill that they will have to continue to forward me billing thru the mail as they once were. They explained that they were not part of the billing department. I received numerous calls with the same conversation to each person that called. XXXX XXXX XXXX & XXXX p.m. XXXX XXXX. & XXXX. XXXX XXXX XXXX & XXXX a.m. are the last of many before that i started to keep records, Then I got an email XXXX with a view of the hardcopy bill that i used to get in the mail with an individuals name XXXX XXXX XXXX XXXX XXXX XXXX. I responded to that email asking. When and if i could continue to receive a hardcopy in the mail to my address. No return response. No hardcopy received in mail. In many of these communications with persons on phone, no one could answer my questions as to what the account number they were calling about, where the subscription was being sent to, what time frame or dates the service was from end to end, what address the bill was being sent to. They just wanted me to give them my credit card number over the phone. I feel these actions by the daily press are done deliberately to try to streamline the process and lower their cost of dealing with mailed bills to the customer. I am sure they wish for more automated process. It cost less. There was no profane or obscene language used. No threats of violence mentioned. There were comments of false statements and continued harassing phone calls after asking them to discontinue calls & provide written statements for resolution to this issue.
Product: Vehicle loan or lease

To all parties, My vehicle was repossessed XX/XX/2018.. Right away I called Nissan because I thought it was an error. Once I found out what happened i tried to explain but no one would listen. Yes, i was behind on my payments but in error. Due to my husband filing bankruptcy not me. I assumed my payments were going directly to Nissan but, I found out not during bk can not make auto payments. Right away i asked to reinstate my loan and allow me to pay all payments right away because i had the money and I was immediately turned down. I was told I must pay all XXXX amt owed which I could not do. 

How does this happen??? I work really hard and would just want my vehicle back to continue to pay it off. The Nissan Finance recovery keeps telling me Fl is not a reinstatement state which I found out is completely wrong.Its just Nissan ... Please Help..
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate reporting of a XXXX XXXX  account ( Account # XXXX ) on my credit report. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ), I am requesting an immediate investigation and removal of this account due to multiple inaccuracies that violate my consumer rights. 

This account was previously verified but remains inaccurately reported. The following details are incorrect and require immediate correction or deletion : High Balance Date of Last Activity Date Reported Date Opened Closed Date XXXX Late Payment XXXX Late Payment XXXX Late Payment Under FCRA 1681s-2 ( a ), furnishers of information are required to report only accurate and complete information. Since this account contains multiple discrepancies, it fails to meet the accuracy standards outlined in the law. Additionally, under 1681i ( a ) ( XXXX ), if the information can not be verified as completely accurate, it must be deleted from my credit report. 

I demand that TransUnion and Experian conduct a reinvestigation of this account and provide me with written confirmation of its removal within XXXX  days, per the requirements of the FCRA. If this account is not properly removed, I will have no choice but to escalate this matter to seek legal remedies to enforce my rights.
Product: Credit card

This references a call I received today form FMA Alliance at XXXX. There was an approximate {$500.00} balance on a card for XXXX XXXX XXXX that they requested I pay. I explained to the representative, XXXX XXXX XXXX, that I became ill in 2012 XXXX and I contacted XXXX XXXX XXXX in writing regarding an added service to my card that would pay on when I was unable to work. XXXX XXXX XXXX claimed that I had no such service added to my account, but they lead me to believe that I did have such a service. I believe that I was mislead by XXXX XXXX XXXX as it relates to my credit card and the account should be set as paid, and closed as a result of such misleading. FMA XXXX need to remove an collection statuses from my credit immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I was not aware of and I did NOT give my consent or authorization to report to ANY third party. 

Reported Items that need to be deleted : XX/XX/XXXXI did NOT give my consent for ANY of the above listed companies to report ANY of my personal and private information with the credit reporting agencies. This needs to be deleted immediately.
Product: Vehicle loan or lease

I am writing to dispute the recent repossession of my vehicle, XXXX XXXX XXXX which occurred on XX/XX/XXXX. This repossession was conducted in violation of several federal laws, including the Fair Debt Collection Practices Act ( FDCPA ), the Truth in Lending Act ( TILA ), and the Fair Credit Reporting Act ( FCRA ) ( as follows below ) : My vehicle was illegally repossessed without any communication regarding my loan or an attempt to work with me to resolve my financial issues. This act of repossession has caused me significant emotional distress, financial strain, and disruption to my daily life as well as loss in employment opportunities to increase income. This is a direct violation of 15 U.S. Code 1691e, 15 U.S. Code 1691c, 15 U.S. Code 13, and 15 U.S. Code 1691. FDCPA Violations Specifically, I allege that your company has violated the following provisions : Failure to provide adequate notice : I did not receive proper notice of the repossession. Under 15 U.S.C. 1692g ( a ), debt collectors must provide consumers with a written notice containing specific information about the debt, including the amount owed, the date by which payment is due, and the consumer 's right to redeem the repossessed property. I did not ever receive this notice even after my vehicle had already been taken. Use of deceptive or misleading tactics : Your company 's representatives made false or misleading statements about the repossession ; Your repossession towing service- XXXX XXXX XXXX XXXX did not identify themselves-which was very dangerous and could have resultedi n loss of life.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent the original Identity Dispute letter to XXXX and it was dated XX/XX/XXXX. It was received at XXXX on XX/XX/XXXX with XXXX tracking number XXXX. And my name is still incorrect, the wrong addresses are still listed, and my employer is still listed incorrectly. I will be submitting the letter and the confirmation from XXXX. 

I sent the original Identity Dispute letter to Equifax and it was dated XX/XX/XXXX. It was received at Equifax on XX/XX/XXXX with XXXX tracking number XXXX. And my name is still incorrect, the wrong addresses are still listed, and my employer is still listed incorrectly. I will be submitting the letter and the confirmation from XXXX. 

I sent the original Identity Dispute letter to XXXX it was dated XX/XX/XXXX. It was received at XXXX on XX/XX/XXXX with XXXX tracking number XXXX. And my name is still incorrect, the wrong addresses are still listed, and my employer is still listed incorrectly. I will be submitting the letter and the confirmation from XXXX
Product: Credit reporting or other personal consumer reports

USAA Federal Savings Bank, my installment loan servicer, has intentionally supplied inaccurate information to credit agencies for a duration exceeding 50 months. The account fraudulently reported as charged off corresponds to my consumer loan initiated on XX/XX/, with an initial sum of {$6600.00}. USAA FSB reports the charged-off amount as {$4700.00} on an account I never defaulted on. The installment loan servicer not only fraudulently reports the account as charged off but also provides false details pertaining to this assertion. Consistently, USAA FSB provides varying information to XXXX, XXXX, and XXXX. Only through my disputes with XXXX has the information somewhat aligned with the actual series of events involving my vehicle and account. Despite my persistent efforts, FSB maintains an erroneous report to the other credit agencies, stating that I made payments in XX/XX/, whereas the last initiated payment took place around XXXX. The installment loan servicer declines to furnish a payment history, leaving me unable to accurately specify payment dates and amounts. Furthermore, USAA FSB has ignored XXXX XXXX XXXX XXXX XXXX which articulates what a holder should do in the event it repossesses a vehicle thereby forfeiting any rights and remedies to collect a payment. Despite numerous requests for account statements and payment history, USAA FSB has only provided blank records for time periods excluding the months in which I made payments. Despite communicating this matter to XXXX, the account continues to be reported inaccurately. Through their persistent reporting of this account, USAA FSB is in direct violation of 15 USC 1681s-2 ( a ) ( 1 ) ( A ). I maintained a timely and early payment record with USAA FSB, commencing payments in XX/XX/. Even according to USAA 's report to the credit agencies, I made a payment of {$1900.00}, which could not have resulted in a default in XXXX, XXXX, or XXXX, considering my scheduled payments were {$160.00} during that period.