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

I deposit my payroll check twice a month for the same amount, same employer check over the past 6 months.. Bank of America seems to somehow not hold the deposit, and yet the next time they DO place a hold on my payroll check. 

I just never know what to expect or how to plan for what seems to be excessive holds even though my account is in good standing, I have never had a deposit returned nor do I overdraft my account. 

I feel discriminated against, and they never can explain the inconsistency or why I cant depend on having access to my money. 
I asked to escalate my complaint and I get told their is no one to escalate my complaint to or explain why they are holding my deposit.
Product: Credit reporting or other personal consumer reports

I opened several disputes due to inaccurate reporting on my credit report with the creditor XXXX XXXX XXXX XXXX XXXX XXXX  as well as XXXX, TransUnion, XXXX. 

They never completed an investigation nor did the provide verification that the payment was late. 

I submitted bank statements and photocopies of the check that I paid them which was cashed well before the statement even closed in XXXX XXXX XXXX, and was in excess of the entire statement balance. The check was cashed a few days after I sent it, but was not applied to my account for months. 

I sent the credit beuaurs letters via certified mail and included a copy of the bank statement, check, my drivers licenses and a health insurance bill showing proof of address. 

To that, the credit agencys sent back a letter stating that they would not open a dispute because they beliebe this was sent from someone other than me. 

I again sent it and they never replied, therefore under FCRA this item needs to be removed from my credit report as I was never late XXXX or XXXX days. The bank lost the check and took months to properly apply it to my account. 

Additionally, even at the time the check was found and applied to my account, it would not have been XXXX days late. 

Thanks,
Product: Debt collection

This was a company that kept charging me after service was canceled months prior. This company was for a business account and not for a personal creditor. Service was canceled, but they ignored the cancellation email and kept charging the business, and had tried to place this debt which doesnt belong to me on my personal credit
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two private loans in good standing with Navient ( XXXX Signature Student and XXXX Signature Student ). Navient has reported both of my loan accounts as being 60 days past due as of XX/XX/XXXX to each of the three credit reporting agencies, XXXX, XXXX, and XXXX. My credit reports clearly indicate that, according to Navient, my loan accounts were 60 consecutive days past due as of XX/XX/XXXX. I have NEVER allowed my accounts to go 60 days past due in XXXX even though that is what Navient is reporting to the credit bureaus. Because of Navient 's harmful, unfounded and unorthodox credit reporting practices, each of my three credit reports indicates that I was past due for 60 consecutive days on each of my loan accounts as of XX/XX/XXXX. My loan accounts have NEVER been 60 days late in XXXX yet that is what Navient is reporting to XXXX, XXXX, and XXXX. I wrote an email to Navient 's CEO, XXXX XXXX, on XX/XX/XXXX explaining the problem and alerting him to the erroneous and harmful information that was being reported by Navient to my credit reports. He did not respond to my email. However, a Customer Advocate was assigned to assist me in investigating the errors on my credit report. The Customer Advocate assigned to assist me goes by the name XXXX ( a.k.a. XXXX ) and her ID # is XXXX. I gave XXXX all of the necessary information to investigate the issue and she confirmed that I was NEVER 60 days late in XXXX but rather I had a late payment in XX/XX/XXXX which allows Navient to report a 60-day late in XXXX for the month of XX/XX/XXXX. She justified and validated Navient reporting my accounts as 60 days past due even while admitting I was never 60 consecutive days past due in XXXX. I find these credit reporting practices to be extremely harmful, tyrannical and devasting to American consumers. In the face of the lawsuit filed by the Consumer Financial Protection Bureau in XX/XX/XXXX, Navient continues its harmful practices of unfair and unfounded credit reporting and misallocated payments. My loan accounts were NEVER 60 consecutive days late in XXXX and I demand that my credit reports reflect that. Unless my credit reports are corrected immediately, I will be filing a formal complaint with Attorney General XXXX XXXX and the Delaware Department of Justice as well as the Illinois and Washington attorneys general who are already in litigation with Navient. Not only that, I am fully prepared to organize a class action lawsuit against Navient to protect American consumers from becoming victims of Navient and it's flippant, harmful and negligent business practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed all inquiries on all 3 of the credit bureau because I am a victim of identity theft and have all these inquiries that I no nothing about and did not do also it was a auto loan taken out in my name and my info was shipped around to over 45 companies and now they are not removing them I have filed a ftc report and police report also someone is arrested rite now and told the detectives they purchased my information and also have a acct in my name and they wont help me and talking down on me because Im only XXXX I know I only have two credit unions and thts all I use to run anything all this other shopping around inquiries I did not do and am XXXX Im not getting the help I asked for I also placed a fraud alert on credit and freeze still they wont remove them
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I sent a letter to lexis Nexis challenging the validity of these alleged bankruptcies they have listed on my reports. I recently Challenged this same account with the credit bureaus, and they came back stating that they have verified this account with Lexis Nexis. I have gone to the courthouse, and they have also stated they did NOT verify this information. I requested from lexis nexis to please send me whatever documents of information they have personally used to verify these alleged bankruptcies, immediately. If they can not produce such documents these bankruptcies needs to be removed from my file as it is defaming my character as well as update the credit bureaus. As of XX/XX/XXXX I have yet to get a response from them.
Product: Debt collection

AMCOL SYSTEMS INC- REPORTED A COLLECTION ON MY CREDIT FROM XXXX XXXX HOSPITAL TO WHOM I GAVE MY CARD NUMBER AND HAD THIS ACCOUNT PAID IN FULL BEFORE MOVING OUT OF STATE. YEAR LATER I COME TO FIND OUT THAT XXXX HOSPITAL NEVER PROCESSED THE PAYMENT I AUTHORISE THEM, NEVER CONTACTED ME PHONE OR MAILING ADDRESS AND NOW THEY SENT ME TO THIS VERY AGRESSIVE COLLECTION COMPANY THAT IS THREATENING TO ARREST ME IF I DIDN'T PAY THIS BILL ... .I WAS NOT AWARE OF THE PAST DUE BALANCE WITH THE XXXX WHO NEVER MAILED ME A BILL TO THE NEW ADDRESS I PROVIDED THEM ... PLEASE STOP THEM FROM HARASSING ME AT HOME, WORK AND NOW AT MY PARENTS HOUSE
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that the account on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Equifax and XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX : {$27000.00}
Product: Credit reporting or other personal consumer reports

I am submitting a complaint to you today once more, to inform you I was the victim of identity theft. I researched on how to remove the fraudulent inquiries in my report and found that I need to visit https : //www.ftc.gov to file a identity theft report, that I did, and Per FCRA section 605b Credit Reporting Agencies are required to remove and block any inquiries listed on an Identity Theft Report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of inquiries which do not belong to me or were opened without my permission : XXXX : XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 EQUIFAX : XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX : XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
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 Experian and XXXX credit bureaus must validate this account 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 account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXXXXXX
Product: Credit card

XXXX XXXXXXXX XXXX hit me with a hard inquiry on XX/XX/year>. I never contacted or applied with that bank. It has to be a stolen identity or something.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  XXXX XXXX- ( account number on my report shows : XXXX ) is reporting an account on my credit report. I just noticed it 2 years ago when I had my credit pulled recently. I have never received anything from this company nor did I ever apply for this card. 
I am XXXX years old and a widow and I NEVER go to these types of stores and haven't since I was in my XXXX.. What would I need a store like this for? I can barely walk let alone go shop for underwear. 
When I was in a XXXX in XXXX of 2014 I had my identity stolen and several accounts opened under me. I have a police report and even went to court regarding the theft of my identity. 
I don't know why someone would do this to me. My husband worked at the XXXX and XXXX XXXX and he past away, I don't have any kids or family and I am stuck fighting this stuff that is absolutely not mine. Please help me
Product: Credit reporting, credit repair services, or other personal consumer reports

Consumer Financial Protection Bureau XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, Ohio XXXX RE : ADVERSE EQUIFAX REPORTING / NO RESPONSE To Whom It May Concern ; Please find the following issues/complaints regarding Equifax Credit. After multiple attempts to contact Equifax with loss of time and resources to modify records still they are not responsible? 

Please find the following disputes and clarifications to my credit report as of XX/XX/XXXX. 
Addressess on Report ; 1. Name reported on the account is wrong. Correct name on account should be XXXX XXXX XXXX. 
2. Mailing and residence addresses ; I have never had a or had possession of ; XXXX XXXX XXXX, XXXX, OH XXXX mailing address. 
XXXX XXXX XXXX, XXXX, OH XXXX is incorrect and was a rental property. Never received any mail at that address. 
Phone Numbers on Report ; 1. All phone numbers listed are incorrect or old accounts that have been changed since inception. 
Incorrect Adverse Account Information ; 1. XXXX XXXX XXXX A # XXXX Automobile Loan PAID IN FULL, >Maximum Delinquency of 60 days in XX/XX/XXXX for {$260.00} 2. XXXX XXXX XXXX # XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Paid by insurance, never received billing for minimal {$93.00}. Mis-reported/double billing, 3. XXXX XXXX # XXXX, Date Opened : XX/XX/XXXX, Divorce/Filing XXXX XXXX Card Used without approval, card not in my possession. 
4. XXXX DEPARTMENT STORE # XXXX >Maximum Delinquency of 120 days in XX/XX/XXXX .Divorce/Filing XXXX XXXX Card Used without approval, card not in my possession. 
5. XXXX XXXX XXXX XXXX # XXXX 'Date Opened : XX/XX/XXXX ; Divorce/Filing XXXX XXXX Card Used without approval, card not in my possession. 

The above reports are in error for the obvious reasons, Please review, adjust, delete or amend accounts from my report. Thank You for your time in this matter. 
XXXX XXXX XXXX EQUIFAX Online Delivery Unavailable
Product: Debt collection

I would only like communication about this alleged debt through the mail or through CFPB. All other forms of communication about this alleged debt must Cease and Desist- to include phone calls, text messages, push notifications. This Cease and Desist also includes all collection activity on the alleged debt to include but not limited to furnishment to the Consumer Reporting Agencies, reselling of the alleged debt to 3rd Parties, or garnishment of my wages or bank accounts. This shall not be mistaken for a dispute or an attempt to not pay on any alleged debt. I simply want validation from the debt collector that the debt actually belongs to me. 

Pursuant to 15USC 1692G of the Fair Debt Collection Practices Act, satisfaction of debt validation includes : ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. 

In addition to this, I also need the following : 1 ) Accounting ledger, transactional history, and full file of any other information you have about the alleged debt 2 ) Notarized statement of someone who has first-hand knowledge of the transaction and can testify this transaction was completed legally 3 ) A copy of the original contract signed by both parties verifying that I owe you, the Debt Collector, and not a 3rd Party 4 ) Please also provide me with a true and certified copy ( NOT photocopy ), of the Original Note ( Credit Agreement ), under penalty of perjury and with unlimited liability and confirm that this Note has never been sold 5 ) Please also confirm the name of the individual who is the duly authorized representative from your company, who has carried out due diligence under the Anti-Money Laundering and Countering Financing of Terrorist Act 2009 and what actions s/he has taken in relation to this account. 
6 ) Please confirm if you are governed under the Gramm-Leach-Bliley Act or not
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX 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 personal credit card account 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 XXXX XXXXXXXX XXXX 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 DUE TO SEVERAL DATA BREACHES I WAS HARMFULLY EFFECTED BY.
Product: Debt collection

XX/XX/2018 was the time I found out about my Identity theft issue with Bank of America of someone using my account to deposit bad checks into my credit card account. They used my account to filter the money though the system and they got the cash and then I found out the checks bounced for insufficient funds and I got charged for the full balance of the Checks totalling over {$27000.00} Dollars. I asked Bank of America fo help with this and they said no and I had to pay it all back in full. Fraudualent accounts apear on my credit report also.This is putting a Financial Hardship on me and my family I support XXXX people. With the Corona Virus Impact I need all the money I have and more to get by.
Product: Debt collection

I sent a letter in XX/XX/XXXX to First Credit Services requesting to validate the debt listed on my credit report. They sent me a letter in response in XXXX, they were unable to do so, but have not removed the debt from my credit. 

They have called me in the past and I clearly stated I ended my membership in person to the gym and did not owe any money. The gym wanted to charge me for personal training services in advance in XXXX because COVID began scaring off patrons. I cancelled my personal training services due to the uncertainty. They went ahead and charged me anyways. I told spoke to the manager and he stated they would resolve it. Instead they sent me to collections. 

I am now dealing with a debt collector who can not validate the debt at all and will not remove it from my credit. 

I will send another letter however it has been 3 years of me attempting to resolve this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. Please see this account is corrected : XXXX XXXX Date opened XX/XX/XXXX XXXX {$30.00} ; The credit bureau is required to authenticate this account. Under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Please update. this account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Regional Acceptance acct # XXXX is falsely reporting a negative account listing on my XXXX XXXX credit report that is beyond the seven-year reporting period. This company falsely re-aged the account in order to continue reporting it when it should have been removed from my report at the end of last year. Regional Acceptance has removed their false information from my XXXX and XXXX reports last year. When I dispute with XXXX it always comes back verified or the date expected to fall off my report keeps changing. Last year it said XX/XX/XXXX, this year it says XX/XX/XXXX. XXXX Regional Acceptance is responsible for the false reporting or XXXX is. Either way, the negative reporting on the account is beyond seven years from the date of last activity ( XXXX, not XXXX as they falsely reported ), is obsolete and needs to be deleted from my XXXX report immediately.
Product: Mortgage

I am writing to formally request your urgent assistance regarding the upcoming auction of my property scheduled for XX/XX/year>. I believe this auction is unjust and has arisen from a series of misunderstandings and miscommunications related to my repayment plan and modification request. 

For the past XXXX months, I have made timely payments under the understanding that I was placed on a repayment plan while I awaited a modification. Unfortunately, despite my efforts to seek clarification and assistance, my requests have been ignored, and I have received no clear information on my modification status. 

I was informed that a response regarding my complaint was posted on the CFPB portal ; however, I have not seen any attachments or further details pertaining to this matter. This lack of communication and transparency is concerning and has left me feeling vulnerable in relation to my home. 

I am requesting that you take immediate action to halt the auction of my property and review my case thoroughly. It is essential for me to have a fair opportunity to resolve this matter, as I believe that my circumstances warrant consideration for a modification. 

Please let me know the next steps I should take to prevent the auction and to ensure that my rights as a borrower are protected. I appreciate your attention to this urgent matter and look forward to your prompt response. 

Thank you for your cooperation.
Product: Student loan

Original loan in XXXX was a XXXX loan through XXXX XXXX. About XXXX was called by Great Lakes to " refinance the XXXX loan with total debt forgiveness in XXXX  years '' ( Obama 's forgiveness plan ). That never happened. Repeated calls to this company have been ignored. The loan is now being serviced by NelNet.
Product: Money transfer, virtual currency, or money service

I am XXXX XXXX, and I am filing an urgent complaint against Bank of America for repeatedly reversing legitimate transactions from my XXXX  business account, resulting in a loss of {$26000.00}. These reversals occurred in XX/XX/year>2024 ( {$13000.00} ) and XX/XX/year> ( {$13000.00} ) due to disputed cryptocurrency ( USDT ) transactions via XXXX XXXX, where buyers claimed unauthorized access to their accounts. 

For both incidents, I provided Bank of America with comprehensive evidence, including : - Screenshots and XXXX XXXX records of the transactions. 
- Buyer IDs and, for the XXXX transaction, a video confirmation of the buyers intent. 
- Proof of my XXXX  legitimate operations. 

Despite this, Bank of America deemed my evidence " insufficient '' without explanation, reversed the funds, closed my account without notice, and provided inconsistent responses to my inquiries. One agent confirmed my evidence was sufficient, while others rejected it, leaving me with no resolution. 

Bank of Americas actions violate the Electronic Fund Transfer Act ( EFTA ) and Regulation E, as well as the Federal Trade Commission Act, by failing to investigate properly, provide due process, or protect my business as a victim of potential fraud. 

I request that the CFPB : 1. Investigate Bank of Americas handling of these reversals and their pattern of negligence. 
2. Compel Bank of America to refund the {$26000.00} unjustly withdrawn and reopen my closed account. 
3. Ensure the bank provides a clear, written explanation of their decisions. 

I have recently received a generic email from Bank of Americas Enterprise Resolution team acknowledging my inquiry, but I have not received a substantive response. I am confirming my identity as the CFPB complainant and am ready to provide all documentation ( transaction records, IDs, videos, call logs ) to support this complaint. 

Thank you for your urgent attention to this matter. I look forward to your assistance in resolving this issue.