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

We opened an account in Bank of America, and I deposited XXXX checks totaling {$2200.00} in to the account at an ATM XXXX. There was a notification on the ATM that it would be held for a week, which is a bit much, but ok. Then I got XXXX notices online, that all XXXX checks are " invalid ''. No reason, no explanation. Just for reference, I haven't had XXXX bad check in about XXXX  years, forget about XXXX checks. These checks were perfect checks. So I called customer service, and they went through the checks while I was on the phone, and they concluded that there was nothing wrong with the checks. The way they put was, " they were not even processed to be taken from the other person 's account ''. 
" So why were they declined '' I ask? " I don't know. '' I asked what they can do to correct it, they said there is nothing they can do. They just told me I will get a letter with copies of the checks in XXXX business days. 
So I reiterated at the end of the conversation, " the checks are good, and you declined them, and there is nothing you can do. They said, " Correct ''. 
I would go deposit at my other bank, But I don't have the checks! The ATM XXXX took them. 
So now, My mortgage is overdue, and all I will get is a copy of the checks in XXXX business days. 
I have to go to all my customers, and tell them to put a stop payment on the old check ( not free ), and try to get a new check. 
Now, when I try to call or login, I can't. It seems like they disabled my login. Even the phone system can't verify me. it seems like they shut me out so I can't see the checks, because they don't have answers. 
So here I am, with {$16.00} in my bank account, a mortgage due and many other bills, and a big bank that is abusing me. 

I do not have the letters because they closed my account and I can't log in. 

The name on the account is XXXX XXXX XXXX XXXX. I think the account ends in XXXX. I can't even check. XXXX  card number is XXXX
Product: Debt collection

I previously sent a demand letter requesting the removal of this Collection Item that does not belong to me. I have documentation from XXXX XXXX XXXX , XXXX and Indigo MasterCard account stating that it was removed. However, they are still reporting it to the credit bureaus. Their firm has failed to send the legally required validation of this Collection Item Number. They have been notified that their actions are detrimental to me and that their firm has violated ( including but not limited to ) the Consumer Credit Protection Act, the Fair Credit Reporting Act, and the Fair Debt Collection Practices Act. Their firm knew or should have known that the actions taken against me and the information collected about me was inappropriate and damaging to me. Both companies failed to use reasonable care in the course of business and failed to use even minimal procedures to ensure that I was not harmed. Both companies communicated and are continuing to communicate incorrect and defamatory information to third parties including but not limited to : XXXX, XXXX, and XXXX. As a result of these blatantly reckless, wanton, and intentional acts, I, XXXX XXXX, has suffered and continues to suffer general and specific damages. I am also very upset at their firm 's intentional infliction of emotional distress and at the other diminished quality of my life. I am now demanding the immediate and complete removal of this trade line from my credit reports ( XXXX, XXXX, and XXXX ) as well as within both company 's systems. As I am currently attempting to apply for credit, time is of the essence. Please understand that I am extremely concerned about the consequences of the actions their firm is having on my life. Including but not limited to harassing text messages, phones calls, and inaccurate reporting. Thank you in advance for your attention to this matter.
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. 

Account Name : XXXX  XXXX - Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Unauthorized inquiries : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed disputes with XXXX, XXXX  and Equifax back in XXXX this is almost XXXX and I still haven't received anything. This is not fair that it is taking so long to get my results. I know they are supposed to reply within 30 days and they have not.
Product: Student loan

I am on XXXX my payments are not correct. I sent correspondence to fix the issue months ago and I still have not heard back. Also my repayment amounts keep changing and it is unclear where to even go or call to resolve the issue.
Product: Debt collection

I have pulled all three credit reports and on my XXXX  and XXXX  report this company is listed as a collection for Medical Data Systems , Inc . I have disputed this item numerous times via different channels including but not limited to XXXX XXXX, XXXX and XXXX. The item just keeps saying it was verified. I have asked for proof numerous times to no avail. All I've gotten are remarks added to my credit report saying updated and verified. I want to see proof, a signature of mine, or something stating this particular account infact belongs to me. Otherwise it should be deleted from all bureaus that it's reporting to. With all the contact attempts made I have yet to have been shown proof that this account is mine.
Product: Debt collection

I received an unsolicited text message on my cell phone from " Frost-Arnett '' noting it was an effort to collect a debt. After searching to ensure the firm was legitimate, I called their office to ask about the notice. I spoke with a service representative who checked the file and informed me it was a " wrong number. '' I have been very responsible with my finances and have been impacted by the coronavirus pandemic ( my wife lost her job and basically half our income ) and getting a debt collection text really shook me up. Bad form. Sloppy business practice and I feel it must be noted.
Product: Student loan

I have been having issues now Earnest Student Loans now for several months. Starting XX/XX/2021 as my emails show, I contacted Earnest about canceling the {$7000.00} biweekly payment that I did initially set up/schedule several months prior. However, my financial situation changed, and therefore I wanted this canceled. I have numerous e-mails from XXXX stating that this has been taken care of, but unfortunately, on 4 separate occasions, they ATTEMPTED to take this out of my account. 1 time they were successful ( despite my being told that this was remedied, and set at {$2000.00} biweekly, per my request ) in taking this money out, leading to insufficient funds fees from my bank ; these were ultimately refunded by Earnest. I also recently ( XX/XX/XXXX ) was forced to make a {$30.00} stop payment against any future withdrawals, as yet again XXXX XXXX at XXXX ), well after the servicing manager confirmed with XXXX that {$7000.00} would not be taken from my account, it was still set to take that money from me. And, I was told in that same e-mail/sentence, that {$2000.00} would be taken out biweekly, beginning XXXX ( but this didn't happen! ). So, now I'm paying more interest, because yet again Earnest can't figure this out. There were also exactly 14 days where I had {$7000.00} taken out of my account ( unlawfully ) by Earnest, despite my repeated attempts to stop this ( and confirmation by Earnest that it was stopped/would NOT happen ). I did not receive interest in my bank account ( 3 % ), and did not receive a reduction in interest from Earnest ; they simply held this money for 14 days. I also have not received another {$15.00} in insuffiicient funds fees " return '' from Earnest that this caused ( they refunded the initial one ). 

I have spent well over 6 hours on the phone with Earnest, e-mailing them, keeping close track of my account, talking to my bank, etc, dealing with this. I asked Earnest to credit me the lost interest on the {$7000.00} for 14 days, but they said regulations prevented them from doing this. But how were they " allowed '' ( against my well-documented will! ) to take money from me without my consent, and in fact my direct lack of consent??!! No regulations at play there ; they simply did what they wanted, but then when the little consumer asked them to make things right, they boldly started talking about regulations! But no regulations were ever mentioned regarding protected the little consumer from being taken advantage of, as they clearly did.
Product: Mortgage

At the time of my divorce in XXXX I had a credit rating of XXXX. I filed a quit claim deed to transfer ownership of our property to my ex wife and she agreed to take over the payments, she did not make the payments on time which drove my credit rating below XXXX. Since my credit rating started going down I have tried on numerous occasions to get the bank to release me as the primary borrower to no avail. On XXXX XXXX, XXXX through XXXX XXXX, XXXX she quit making payments so I took her to court to try to recover the property before the bank foreclosed on it. Upon arriving in court I was presented with a loan modification which she and her attorneys claimed released me as primary borrower which it did not. This loan modification was executed on XXXX XXXX, XXXX without my knowledge, consent or signature. The court judge advised me to do my due diligence and upon doing so I discovered that I am still the primary borrower and am not released from my obligation.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date XXXX XXXX XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, EXPERIAN BUSINESS CRED Date of Inquiry XX/XX/XXXX, XXXX XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, EXPERIAN BUSINESS CRED Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX & EXPERIAN BUSINESS CRED Date of Inquiry XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Submitting a dispute for the inquiry for company XXXX XXXX. The credit file shows that their was an inquiry as of XXXX XXXX. I did not authorize an inquiry for this date and request that this information that is being inaccurately reported be removed from the consumer file and report. I would like after that an update of the updated credit report be sent by email and the credit score is successfully updated to reflect the change. 


Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had a mortgage with Bank of America since XXXX. The payment was linked to my Bank of America checking account. I refinanced the mortgage in early XXXX. The payment ( approx. {$7600.00} ) was again linked to my Bank of America checking account. In XX/XX/XXXX, the escrow payment was approximately {$100.00} more than the estimated amount. As a result, the next monthly payment ( approx. {$7700.00} ) was slightly higher than the monthly mortgage payment set at the time of refinance ( approx. {$7600.00} ). Instead of informing me of the issue, Bank of America stopped applying the automatic monthly payments to the mortgage resulting in late fees and the mortgage being reported as delinquent. Only when it turned 30 day delinquent, the bank decided to send me a letter. Immediately I called the bank and tried to address the issue. Realizing what had happened, they did reverse part of the late fees and applied the funds sitting in a suspense account to the mortgage to bring it current. For that to happen, I had to make a payment of approx. {$560.00}. They also mentioned that they will clear the issue with the credit reporting agencies. A few days later, I disputed the delinquent account after I saw a significant drop in my credit score ( one was more than XXXX points ). One of the agencies, XXXX, reported that there would be no change as Bank of America stands by the information they passed to XXXX. In this day and age, it's shocking that a Bank with whom I have been banking since XXXX would not bother to call/text/email its customer as the issue arose but would wait for the account to become delinquent to send a letter.
Product: Credit reporting or other personal consumer reports

In accordance with the fair Credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights! Also i would like this inaccurate public information removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and i made no credit application with these companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion 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 TransUnion XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX TransUnion XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX and feel my rights are being taken advantage of 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 an account without my written instructions!

In addition the law states : 15 U.S. Code 1681i ( A ) - Procedure in case of disputed accuracy ( A ) -If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item 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, based on the results of the reinvestigation ;
Product: Debt collection

A job offer ran my credit report and this was on my credit. I sent in all paperwork requested except police report as they would not release any information to me. I did not open a card I think it is. I asked them to send me information on this account also and they will not provide it. XXXX XXXX XXXX ACCOUNT XXXX {$230.00}. Several emails
Product: Consumer Loan

Several months ago, I started receiving calls on my home number from an organization known as Turner Acceptance. I promptly returned the call to find that they are looking for another individual who has the same name as me, who has defaulted on a loan for a XXXX. I do not won a XXXX, nor have I ever. I pulled my credit report to ensure that my identity had not been compromised. Nothing unusual was present on my credit report. I informed Turned Acceptance that I was not the individual they were looking for. For approximately one week, the calls stopped. Then, about 10 days later the calls started again. I informed them that I am not the individual they are looking for ( again ) they indicated they would take my number out of their system. A month went by and I started receiving the calls again. This time I spoke to a manager and explained the entire story to him. I also told him that I the harassment did not stop that I would file a complaint. The manager instructed me that " I did not have to repeat myself '' to which I responded that " clearly, I do, because I 've had the same conversation now at least XXXX times ''. If I receive any additional calls from Turner Acceptance for this " debt '' which is not mine, I will be filing a complaint with the Attorney General and the States Attorney. This is nothing short of harassment, and it needs to stop. Also, I refuse to give this organization any additional personal information. They repeatedly ask for my address, date of birth and other information that they say " will be used to collect a debt ''.
Product: Credit reporting or other personal consumer reports

My personal information was compromised in the XXXX data breach, which occurred in XXXX, As a result, my credit report contains multiple inaccuracies and fraudulent accounts that were opened without my authorization. 
I have reviewed my credit report and have identified several items that are not mine. These inaccuracies are directly linked to the data breach, and I am requesting that they be removed from my credit report. 
Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$1100.00} XXXX. XXXXXXXX XXXX {$460.00} XXXXXXXX XXXX  {$790.00} Credit Cards XXXX XXXX {$31000.00} XXXXXXXX XXXX XXXX {$2300.00} XXXX XXXX XXXX {$260.00} XXXXXXXX XXXX XXXXXXXX {$0.00} XXXX XXXX {$1100.00}
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. TransUnion must validate the account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate the reporting account as unverified information without providing any proof within the period allowed by law. The following account needs to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Balance : {$20000.00}
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information being reported on my credit report regarding a charge-off. The account in question is listed as follows : Creditor Name : XXXX 's Account Number : XXXX Date of Charge-Off : XX/XX/year> It has come to my attention that the charge-off is being reported month after month on my payment history, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should only be reported once, corresponding to the date it was charged off. 
The FCRA requires that credit reporting agencies ensure the accuracy of the information they report ( 15 U.S.C. 1681e ( b ) ). Repeatedly reporting the charge-off each month results in a misleading and inaccurate credit report, which has significantly harmed my credit score.

Additionally, the statute of limitations for reporting a charge-off is seven years from the date of the first delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). Continuously reporting this charge-off as a new event each month does not reset the statute of limitations and is improper. 
I request that you promptly investigate this account and correct the inaccurate information by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide me with a confirmation of these corrections. 
Thank you for your prompt attention to this matter.
Product: Debt collection

Hello Portfolio Recovery Associates, and how are you? 

Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Product: Checking or savings account

Discover closed my account without an explanation and has been unhelpful since I opened the account. From holding my checks to not letting me deposit money from my XXXX. Also customer service was not helpful at all every conversation with them amounted to this bad thing is happening to you and there's nothing I or you can do about it. I would at the very least like an explanation Routing number : XXXX Account number : XXXX