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

I walked into Bank of America on XX/XX/2018 and requested that my bank account be closed because of two fraudulent charges that occurred on my account previously. Bank of America had credited my account on XX/XX/2018 a total of {$190.00} which is the money that was stolen from me before XX/XX/2018. But what doesn't make sense is the fact that Bank of America sent {$190.00} to a closed account. I spoke with XXXX XXXX ( Relationship Manager ) at the XXXX XXXX XXXX. XXXX TX XXXX Bank of America location. He assured me I would be receiving a check in the mail from Bank of America in the  total amount of money that was lingering in my supposed closed account. Then on XX/XX/2018 I called Bank of America to ask when should I be receiving my money from them because as of today ( XX/XX/2018 ) I still have not received one red XXXX from them. The representative on the phone told me that according to Bank of America Records she does not see a closing date for my account but assured me she could see the money in the account. It should not take almost 2 months to close an account! All I want is the money I work hard for back to me ASAP. I have been patient with Bank of America but because they are holding this money I am falling behind on my expenses that need to be taken care of month to month. Please help me get what is rightfully mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the XXXXCredit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to update the items which are erroneous and unverified.Their unfavorable and unacceptable actions have been hurting my credit scores immensely.Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX Date of inquiry : XX/XX/XXXX 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 XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date of XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry XXXX XX/XX/XXXX XXXX XXXX of inquiry : XX/XX/XXXX XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX
Product: Credit card or prepaid card

With accordance to the fair credit reporting act XXXX  account # XXXX has violated my rights. 

15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Debt collection

XXXX XXXX XXXX ... 

I needed medical treatment when I first arrived to Texas, went to an emergency facility because I didn't know where else to go ... 

Received treatment on XX/XX/2017 and paid {$220.00}. 

I asked if this settles my bill with the nurse, doctor and receptionist and I was told yes. Received a cash receipt. 

Six months later I began to get bills for {$350.00} and I wrote back stating bill had been paid in full with {$220.00}. 

Then I started to receive bills for {$150.00}. 

Now, they have submitted 5his information to a collection company called Amcol. 

This information is now showing on my credit report. 

Help?
Product: Student loan

This complaint is regarding intentionally deceptive business practices engaged in by XXXX XXXX. During XXXX 2017 I entered into an agreement with XXXX XXXX to refinance existing student loans. The rate I selected was a variable rate that was pinned to 1 month Libor. Per the final disclosure documents I received, this rate at inception of the loan was 3.32 %. However, upon entering the loan, I found the opening rate not to be 3.32 %, but rather 3.56 % ( a 24 basis points difference ). I have been in contact with XXXX customer services for weeks to no avail. I have supporting documentation for this claim and am myself very well versed in financial concepts and disclosures as I myself am a XXXX This intentionally deceptive company needs to be reprimanded and consumers made aware.
Product: Debt collection

I.c. system has a collection on my credit report for an account with XXXX I have never had. Through a BBB complaint I requested debt verification and they sent me an identity theft packet. No debt verification. I have been in contact with XXXX who has no idea what I 'm talking about. Today I received another letter from them regarding and XXXX XXXX XXXX Account I also never had I called XXXX XXXX XXXX and I 'm not in there system as well. I want this company to leave Me alone also they placed information on my credit report for XXXX and I never received anything stating they were going to do that which is in violation of the law. I 'm not doing anything with these ghost accounts until it is proven they are mine in which they are not until it can be proven otherwise which it will not be.
Product: Credit reporting or other personal consumer reports

15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of XXXX compliance. Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form XXXX : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the student loan account with Experian for several attempts, to no avail. The student loan should not be reported on a credit report since this is a government funded loans and only private accounts should be displayed on a credit report..Worst, the student loan account is reported multiple times which is illegal. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this.. 

XXXX XXXX XXXX OF XXXX XXXX ; XXXX OF ED/NAVIENT XXXX ; XXXX XXXX XXXX OF XXXX XXXX ; XXXX OF ED/NAVIENT XXXX ; DEPT OF ED/NAVIENT XXXX ;
Product: Debt collection

Columbia debt recovery is not addressing the following : Columbia debt recovery did not send debt validation in the time frame required under the FDCPA. Columbia debt recovery reported this debt to credit bureau in XX/XX/2023 and then sent debt validation letter in XX/XX/2023. Debt validation letter fails to disclose my right to dispute this debt as a consumer. Columbia debt ALSO reported false information to credit reporting agency that account was disputed by consumer on XX/XX/2023 when I never previously disputed this because I was unaware of this account. Quoting Columbias own words here : validatation was sent in XX/XX/2023 as that was around when we received THE FIRST dispute request for documents. 
Proof of these documents attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 XX/XX/2020 I spoke with a rep for payment hardship during Covid 19 As I required assistant I reached and I was offered assistance which allowed me to make a lower payment without reflecting as late, until current. Capital One issued a statement Were here to help, in order to support customers experiencing financial difficulties due to COVID-19. It appeared that they were prepared to work with me in order to provide payment relief without causing late payments to appear on my credit report. They did not honor that statement as my credit report reflects late during the months of XXXX, XXXX and XX/XX/2020.
Product: Debt collection

Received XXXX repeated call from XXXX ( XXXX ) XXXX at times ranging from XXXX am, XXXX am, XXXX am, XXXX am, and XXXX am. These calls were taken place on Sunday, XX/XX/2022. The number is from Credence debt collection agency on their website it states that they are not open on Sundays but yet Im received repeated calls within an hour time span.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. I feel like I'm being taken advantage of and being ignored. At this time I would like to prepare another appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable accounts that are kept to be established as correct. I am in desperate need of these items to be INSPECTED and REMOVED. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Debt collection

On Thursday XX/XX/XXXX I received a text from my former husband that somebody had left two messages on his voicemail for me. The message stated he was from process service dispatch and was trying to deliver XXXX XXXX court ordered summons to my address. He also gave case number and phone number to contact. 
Later that same day I received a voicemail from a private phone number that stated he had made contact with the receptionist at Human Resource Dept at my place of employment. I called HR department and spoke to receptionist to see if any documents were left there for me. Receptionist told me he did not show up there in person that he had called and wanted to know the procedure for getting me to sign for documents and asked if I would be able to personally sign for them. She told him I did not work in that building and would not be available to sign. He left his contact information for me to call him. 
I then called XXXX XXXX to see if I had a court date and time. Court clerk told me I did not. 
On Friday XX/XX/XXXX I received a voicemail from a private number with same message. 
Also on Friday XX/XX/XXXX he called another department at my place of employment asking for me and left his contact information. At this point the Director at my place of employment is thinking I have a criminal record and she called XXXX XXXX XXXX XXXX to inquire the nature if the phone calls. XXXX XXXX. tells her they are not trying to contact me. A Deputy then calls the contact information that had been left. He tells the Deputy that this is a debt collection firm and that it would be better if I called myself. 
On Monday XX/XX/XXXX I called the contact information and told man who answered phone that I was returning their phone call. He said he was transferring me to credit department and that more than likely they would be at lunch and to leave message and somebody would get back to me. Later that day a man left message on my voicemail with a different phone number to contact. 
On Tuesday XX/XX/XXXX I called the new contact phone number and spoke to man. He told me he was trying to collect a debt on an account that has been closed since XXXX. I repeatedly asked for written documentation of the debt and he wanted to fax or e-mail it to me. I told him this is the first time I had been made aware of the debt and was not comfortable giving e-mail info and want written documentation. He told me sending document by mail would take too long and that is how some people buy time and he is writing on my case that I am hiding from debt ; refusing to pay and that they would be garnishing my paycheck and my bank account and would see me in court and HUNG UP ON ME.
Product: Credit reporting

I submitted my dispute to Equifax and they stated they would not investigate it. I then get a letter requesting information I had provided previously. They still have yet to initiate the dispute which was submitted on XXXX XXXX. It has now been XXXX days they have only XXXX left to complete the dispute.
Product: Credit card or prepaid card

On the morning XX/XX/2017 Chase closed all my credit card accounts. I found out when I tried to make a purchase at a store when 2 of my Chase cards did n't work. When I called chase to find out what happen the CSR stated that my all may accounts were closed and there is nothing I can do to have them reopened. I asked to speak to a supervisor and was told I could n't because the decision was final! I then ask " Could you just tell me why my accounts were closed? '' the CSR said that I had too many inquiries. I stated that I had only applied for a chase card recently. The CSR stated once again that their decision is finial and my accounts will not be opened again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report. XXXX XXXX XXXX XXXX Account Number : XXXX ( XXXX ),  XXXX XXXX XXXX Account Number : XXXX ( XXXX, Equifax, XXXX   ), XXXX  XXXX XXXX XXXX /XXXX XXXX XXXX TN Account Number : XXXX ( XXXX  , Equifax , XXXX ), XXXX  Account Number : XXXX ( XXXX , XXXX ), XXXX XXXX XXXX XXXX Account Number : XXXX ( XXXX , Equifax , XXXX ), XXXX XXXX Account Number : XXXX ( Equifax ), XXXX XXXX XXXX Account Number : XXXX ( XXXX , Equifax ), XXXX XXXX XXXX XXXX Account Number : XXXX ( XXXX , Equifax , XXXX XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, so I am imforming you the CFPB that Transunion, XXXX, and XXXX have violated me and my life by reporting inaccurate information and I have found out that all 3 bureaus are FRAUD. THESE COMAPNYS ARE ONLY to report to consumers that live in the state of XXXX  ONLY.. This is Identity Theft, FRAUD and I DEMAND A COMPLETE INVESTIGATION OF ALL 3 CREDIT REPORTING AGENCY TRANSUNION, XXXX, AND XXXX. These agencies are in violation of the law because if they are smart they would have stolen my identity and I demand these so call reporting agencies to erase my report meaning everything off my report. I am a resident of XXXX  and I demand as a consumer here to delete everything off my report bc you have no right to steal my identity and report anything when in fact u are only to report XXXX  residents only. Yes I have caught on to these FRAUD companys and I demand you delete my entire report 15 USC 1681b. I did not give consent and these so call Credit Agencys are not licensed to report peoples reports outside of XXXX... I DEMAND A DELETION IMMEDIATLY.. OR I WILL TAKE FULL LEGAL ACTION WITH XXXX, XXXX, AND TRANSUNION. I WILL ALSO TAKE LEGAL ACTION WITH CFPB FOR ALLOWING THESE AGENCIES TO BE ABLE TOO DO THIS FRUAD AND STEALING PEOPLES INFORMATION LIKE THIS. THIS IS AGAINST THE FEDERAL LAW..
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft and have noticed some unauthorized accounts on my credit report. XXXX XXXX  are currently in XXXX  status, so there should be XXXXXXXX XXXX XXXX appearing on my credit reports until I have started paying on them, when I graduate in XXXX. This is hurting my chances at obtaining a new home or mortgage. Please remove these accounts from my report immediately, as well as any old inquiries.
Product: Debt collection

XXXX XXXX XXXX amount {$1100.00} opened XX/XX/year> I called this company they have not responded.
Product: Bank account or service

Bank of America has continually stolen money from me and has always gotten away with it. Honestly, there have been times where Bank of America reps have been gracious, helpful, and courteous. Most of the time however, there is a significant pattern of disrespect and abuse to loyal customers. Personally, I am a student and always have been while being a Bank of America customer. I started out my account with them as a XXXX, and for a while I did n't understand or was n't aware of how banks work. Now I do, and I am still a student. Monthly, my bank account ( even if there are insufficient funds ) gets deducted {$12.00} because of Bank of America 's " monthly maintenance fee. '' I think it is wrong that Bank of America obviously can physically see that my account is lower than the $ XXXX-and at times and yet they still take. And that brings me to my more pressing concern-the overdraft items or fees they assess, which is the reason I am submitting a complaint. I am not sure how often they will assess an overdraft fee which is {$35.00} each time, once they realize your account has insufficient funds. What I am sure about is that I am a student at a University, a young mother, and I am sure that I do not need a bank continually assessing an overdraft fee, if I obviously can not replenish my account with sufficient funds.
Product: Student loan

I was shocked when I reviewed my credit report and found several late payments on my XXXX student loans with the dates below : 120 days past due as of XX/XX/XXXX 90 days past due as of XX/XX/XXXX, XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that this was supposed to be in deferment and it did not get processed correctly or the payments I sent in were not registered.
Product: Checking or savings account

Simple is saying I have tried to open an account too many times, thats the reason theyre unable to open an account for me. After closing my original account with you guys. I tried to apply again and you denied me the very first time I tried to open an account again.
Product: Debt collection

I have verbally told the loan company to stop calling my place of business as it will interfere with my job. They have not ceased their calls. Instead they call and hang up if i answer. If another coworker answers they tell them that they are calling to garnish my paycheck.
Product: Credit reporting or other personal consumer reports

In accordance with the fair Credit Reporting Act, XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. states I have the right to privacy.

15 U.S.C 1604 A Section 2 : It also 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

I reviewed my consumer report from XXXX, XXXX XXXX Experian and after reviewing these reports I noticed that the reports were unfair and inaccurate. Pursuant to 15 USC 1681 ( a ) ( 1 ) The banking system dependent upon my consumer report being fair and accurate. I was never notified by XXXX, XXXX or Experian when this inaccurate information was furnished, I was never notified that you were going to report this information. Pursuant to 15 USC 1681 ( a ) ( 1 ) This grave error has undermined my confidence in your companies ' procedures and if this information is not removed, I no longer want my information reported in your database.

Pursuant to 15 USC 1681 ( a ) ( 2 ) Your company is powerless elaborate mechanism. This mishap that your company has caused ruined my reputation, and it adversely affected my creditworthiness. Pursuant to 15 USC 1681 ( a ) ( 3 ) Your company assumed this role. You were not given permission by me XXXX XXXX, the consumer or a competent court or jurisdiction to report any information on my consumer report. 
Pursuant to 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) Congress makes it clear that a consumer report should NOT include transactions between the consumer and the person making the report. The alleged transactions that you are reporting and failed to investigate, whether or not it factually took place, can be categorized as a transaction that took place between the consumer and the person making the report, which means it should not be included on my consumer report and is in fact a violation of my consumer rights.
Product: Credit card or prepaid card

I think Im being redlined. Ever since XXXX bank close my account with the XXXX provider, the statements received have been incorrect, account has been closed and my credit profile has been compromised. Representatives have hung the phone up just reading notes in the last 30 days because of my complaints to request a verification of possible discrimination and or red lining. They have a void it to offer me credit and harass me daily to pay a collection that I dont even know and have been XXXX dollars past due and have not used the card And over 90 days with a XXXX dollar balance
Product: Mortgage

My mother has a mortgage with Fifth3rd bank since XX/XX/XXXX. At the time of closing on her new home she and my dad purchased Mortgage Protection Insurance. The insurance would pay off a mortgage at the time mortgagees passing. Fast forward almost 20 years later, XX/XX/XXXX, My dad XXXX. After everything settles we contact Fifth 3rd,  immediately get the runaround. After what seems to be a lifetime of transfers and dropped calls, we learned very quickly that no department communicates to the other. Our Initial question was how could we go about making a claim to have the mortgage paid off. We were told they no longer acknowledge that product and we should have been reimbursed. Our next question was when was she reimbursed and what was the amount. No answer was given. 

Out of frustration we asked the pay off on the mortgage we were told XXXX. We were floored my moms mortgage with XXXX? ... .when the purchase offer home was XXXX back in XX/XX/XXXX. Fifth3rd refuses to acknowledge that accounting error. After reading the message boards we realize accounting errors are a very common practice. We have submitted " QWRs '' with the hopes of them recognizing the accounting issue, to no avail. We even had a lawyer contact them, who has been totally ignored as well. 

The stress of it all has caused my XXXX to XXXX. To the point the that XXXX that I donated to her is now damaged. She is now XXXX  and is being considered for a XXXX. I just dont want my moms last days here, stressed of how to pay for what essentially could be two homes. How many others are dealing with this chaos.
Product: Credit reporting or other personal consumer reports

There's been 2 unauthorized charges on my account, this caused an outstanding balance which I was unaware of causing a delinquency to be reported on my credit report. After that I called First Progress, and they said they'd investigate but I never heard back. 

Also sent them a letter with no response, filed a dispute with XXXX and the delinquency was removed, next cycle it was re-reported again and now First Progress rejects to take it off and is not responding to written correspondence.