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

I have more in for on my previous boa cases Bank of America funny how they took my account bonus and. Deposit in the day of the day they closed qlll my accounts and hid transaction I have printed by them that they went back in my account and adjusted and changed ammounts
Product: Credit reporting, credit repair services, or other personal consumer reports

hello XXXXXXXX XXXX has 2 accounts reporting late. They spoke very rudley to me in regards to my explaination of my lates. I was in the hospital and my caregiver paid it. I love XXXX XXXX and plan to contiue to work with them. I plan to pay off my loans with them and buy a new home but since the reported me late I cant. Its a new years and all I want is support from the bank I love. Please why are they doing this to me and my family. I lost so musch this year.
Product: Credit card or prepaid card

I have an account with Commenity bank Victoria secret and the company has closed my account due to inactivity without any warning. 
I have been a good customer with them since XXXX and they have increased my limit. However in XX/XX/XXXX, they have decided to close my account without warning or my knowledge.
Product: Credit card

This is a fraudulent reported account. I paid XXXX and the account says it was sold to another lender. It has been affecting my report negatively since 2020. I disputed this account and never received any information from creditor or XXXX.
Product: Money transfer, virtual currency, or money service

my PayPal account was closed and limited without any reason.
Product: Credit reporting or other personal consumer reports

My credit score across all 3 credit bureaus has been consistent for years until this past month when TransUnion dropped my score almost a 100 pts. I checked my credit report and there was no bad information on it i.e. no recent inquiries, no missed payments, no new loans, no loans with balances except for my mortgage payment, yet my score dropped almost 100 pts. I called TransUnion 4 times to find out why their score has dropped, but the other credit bureaus have not. No one at TransUnion including a supervisor could not give me a reason why my score dropped. I have no way of correcting this issue without knowing why my score dropped. I would appreciate any insight on how a person is supposed to correct this type of situation when no one can tell me why my score dropped all of a sudden when I the consumer has made no changes to my financial situation. 

Thank You!
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/21 I got alerts from all 3 XXXX, Experian, XXXX I had a {$1000.00} CHARGE OFF and that is INCORRECT! It also damaged my credit reports ( plural ) and lowered my score that Ive been building back UP. 
This is LAST thing I need. 
This FALSE information as I am CURRENT and have not been late. 
No explanation other than an internal error. 
Insisted I get in writing they reported FALSE info.
Product: Debt collection

XXXX XXXX is reflecting on my credit report. I have submitted various letters asking for validation of debt in which I have not received. 
I have contacted XXXX XXXX who states that they are not furnishing my information to the credit reporting agencies as well as XXXX XXXX. I have correspondence from both XXXX XXXX and XXXX XXXX that states this as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  XXXX Account # XXXX Balance {$520.00} XXXX XXXX XXXX Hard inquiry XXXX XXXX Hard inquiry XXXX Hard inquiry In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 section A states I have the rights to privacy. 

15 U.S.C 1681 section A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is hurting my credit score which is very important to me. I know you will understand me in this situation this is becoming a frustration to me. I don't know what's happening to my credit report and I don't how you guys come up to this conclusion and report it on my credit report. This is very stressful for me because I always pay on time. Under 15 USC 1666b this billing error must be corrected because I always pay on time this is clearly a discrepancy on this account which clearly violates the 15 USC 1666 ( b ). Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated in the law. 

XXXX XXXX XXXX Account Number : XXXX 30 days late on XX/XX/XXXX 60 day inXX/XX/XXXX30 days in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX 60 days in XX/XX/XXXX,XX/XX/XXXX 30 days in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

XXXX. XXXX XXXX Account Number : XXXX 30 days late in XX/XX/XXXX. 

3. DPT ED/XXXX Account Number : XXXX 90 days late in XX/XX/XXXX 120 days in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

I, therefore submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time. Hoping that I could get some favorable news after this investigation.
Product: Checking or savings account

Bank closed our accounts XX/XX/2019 for me and my spouse and never transferred the money to external bank accounts as it was promised. Neither cashier check was released or ever sent to us. For now we have only letter from the bank that accounts were closed with ending balances but money were not released for over 2 weeks as of today.

Every time we call they sent us to voice message and nobody ever call back or contact otherwise to give time frame for expected money transfer.

They also never mailed 1099 form of interests from savings that prevent us to file taxes in timely manner.

I had three CDs with them as well as two savings accounts and one checking account.

My husband had three business savings accounts and one checking account
Product: Credit reporting, credit repair services, or other personal consumer reports

I've sent multiple letters to XXXX in regards to 4 negative items that are listed on my credit report, and they have completely disregarded any of my letters by stating that the information was verified. I have sent my dispute letters, priority mail express, notarized, certified mail with return receipts, which I have attached along with copies of my request. They keep replying back that they verified these items, but still have yet to provide any evidence or documentation of their investigation. 

First dispute letter sent : XX/XX/XXXX Second dispute letter sent : XX/XX/XXXX Third dispute letter sent : XX/XX/XXXX ( under investigation ) XXXX I have even tried contacting 2 of the collection / credit card companies asking them to validate my debts. JPMCB & XXXX XXXX both sent me letters back stating they weren't able to complete my request because it didn't have enough information or matched their records. They both asked me to sign and send back their letter with information to verify my identity along with my ( highlighted ) credit reports and social security number. Which I had already did when I first sent my debt validation letters to these companies. Which were notarized by the bank proving my identity to begin with. The first debt validation letters were sent XX/XX/XXXX to XXXX XXXX & XX/XX/XXXX to JPMCB which I have attached their responses along with delivery signature confirmations for both companies signing. 

I've sent my original letters back on XX/XX/XXXX again with my social security, copy of disputed highlighted items to XXXX XXXX & JPMCB which is pending investigation due to their stalling. 

The company that is my account is XXXX XXXX which I've sent XXXX a copy of my XXXX results that clearly shows my account is current, paying as agreed, on time, no late payments or repossession. I've uploaded a copy of the results that I have received from XXXX, yet XXXX is saying they verified and updated the item. 

These items are negatively affecting my ability to obtain new credit and as well a home mortgage, I am not able to enjoy the benefits of great interest rates due this erroneous reporting. I hope that XXXX will delete these inaccurate items and send me updated reports for my credit.
Product: Debt collection

I was erroneously issued a traffic citation with a {$40.00} fine. I appealed this citation, and the fine was dismissed. 3 months later, PennCredit Corporation contacted me to collect a debt of {$120.00}.
Product: Checking or savings account

I use a third party service named XXXX and it's already connected to my PNC business bank account. When trying to connect to the bank to refund a client back their money it stated that PNC would not allow XXXX to connect to my account. I can not handle my business like this. There has not been an issue in the past and if PNC no longer supports the app that I use I would rather change banks than change services.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been a battle going through this and I am submitting this CFPB Complaint to delete the following fraudulent information reporting in my Credit file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged information showing on my credit report. I therefore request that you immediately remove these information from my credit report with the Credit Bureaus pursuant of the FCRA Section 605b. Once again, I need the following items deleted as soon as possible ; XXXX XXXX XXXX XXXX, MO XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX Owed : {$1400.00} XXXX XXXX  XXXX Balance Owed : {$350.00} XXXX date of inquiry XX/XX/2021 XXXX date of inquiry XX/XX/2021
Product: Debt collection

Returned phones and paid last bill. XXXX kept billing me for 3 months after services were rendered. I have submitted my receipt as owed. XXXX said it was their fault on the phone but sent to collections anyways. This was back in XXXX. Why am I getting this now in XXXX?? I found out through my credit report going from XXXX to XXXX in XXXX. Please fix this thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted this complaint to update this suspicious information. Equifax Credit Bureau must validate this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX XXXX XXXX Balance Owed : {$12000.00}
Product: Checking or savings account

I have a very old account with Vio Bank. I can't remember when I opened it, and I imagine there must not be much of a balance in there, but I am still receiving email statement alerts so I want to access whatever remaining balance is in there and close the account. However, because the account is so old and I was mostly traveling XXXX XXXX XXXX at the time, I have since changed all my banking accounts and phone numbers when I moved permanently back XXXX XXXX XXXX. I can't access my online account because I don't have access to the old phone number for verification, and the only methods they gave me to verify the account were a recent deposit amount, opening balance, or originating bank account that deposited the funds. I don't have any of this information because they refuse to let me log in to see my statements. I don't have a welcome email from them ( presumably I deleted it ). I offered to provide them with anything else to verify my identify - ID, birth certificate, getting a notary to verify my documents, etc. and they said there was nothing they could do and that I can not access my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Last reported XX/XX/XXXX {$1500.00} Reported as an " Open Balance with all three credit agencies. 

Dispute reason : The original creditor & the collection agencies OR the new company reporting the account has a balance. This is a violation. 

OVERVIEW Highest balance XXXX XXXX  Monthly payment {$0.00} Opened XX/XX/XXXX ( 3 yrs, 2 mos ) Term 9 months PAYMENT HISTORY Last payment XX/XX/XXXX Payment status -- Worst payment status No Info Dispute reason : Delete account immediately for failure to report the accurate date of status ( DOA ) and the date of last activity ( DOLA ). This is a violation.

ACCOUNT DETAILS Account status Open Type Unsecured loan Responsibility Individual Remarks Charged off as bad debt Profit and loss write-off Times 30/60/90 days late 0/0/0 Dispute reason : The accounts are not marked as transferred or sold, its a violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. COLLECTIONS XXXX {$92.00} XXXX XXXX XXXX XXXX {$4500.00}
Product: Credit reporting or other personal consumer reports

Subject : **Request for Removal of Collection Accounts from Credit Report** Dear Sir/Madam, I am writing to formally dispute the accuracy of the collection accounts listed on my credit report. I believe these accounts are inaccurate or incomplete and are negatively affecting my credit score. The specific accounts in question are as follows : 1. **Creditor Name : ** [ XXXX XXXX XXXXAccount Number : ** [ XXXX ] **Collection Agency : ** [ Bounce AI ] **Date of Collection : ** [ XX/XX/year> ] I request that you investigate this matter and remove the collection accounts from my credit report if they can not be verified or if they are found to be inaccurate. According to the Fair Credit Reporting Act ( FCRA ), you are required to ensure that all information reported on my credit report is accurate and substantiated. 

If the collections were reported due to fraud, identity theft, or any other inaccuracies, I kindly ask for the immediate removal of the entries from my credit file. I am also requesting that any verification requests to the original creditor or collection agency be made in writing, and that a copy of the results be provided to me upon completion. 

In accordance with the FCRA, I expect a response within 30 days from the date of this letter. Please provide me with written confirmation of the removal of the disputed accounts, or, if the dispute is not resolved in my favor, please provide the documentation and evidence that validates these accounts ' accuracy. 

Thank you for your prompt attention to this matter. Should you require any additional information or documentation from me
Product: Debt collection

Southwest Credit Systems placed alleged debt on my XXXX, XXXX and XXXX credit reports without modifying me. This is a violation of the Early Warning Clause which states that debt collectors are to notify debtors in writing before placing account on consumers credit report.
Product: Credit reporting

There are several inquiries on my credit report that I did not authorize. I have disputed with agency and no update has taken place. These inquires are affecting my credit score tremendously and I would like them removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I sent the necessary documents in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you directly through this platform. Here are the accounts that are erroneous in my file and need investigation : XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$650.00} XXXX XXXX XXXX XXXX Balance : {$650.00} XXXX XXXX XXXX Balance : {$590.00} XXXX XXXX XXXX XXXX Balance : {$110.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$650.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried several times to remove this credit debt from a credit card with Bank of America and in fact they have breached my information thru 3rd parties and passed my information to other collections and changed my information as well I tried opening an account with them and had one and then they closed my account from and identity theft and never accepted me back
Product: Money transfer, virtual currency, or money service

I noticed I was locked out of my Coinbase account on Monday morning XX/XX/XXXX. I tried to get in and it would not let me. I contacted Coinbase to let them know I believe there was unauthorized access of my account. They then made me reverify my account. There was also a {$1000.00} XXXX request of my bank which I did not authorize. On Tuesday, XX/XX/XXXX I filed fraud reports with the FBI, FTC and XXXX, MN Police Dept. When I was able to access my Coinbase account, someone took my {$150000.00} in cash and bought XXXX XXXX and somehow moved them out of my account. I say somehow because the only account I had set up to take and receive funds was my bank, none others. On XX/XX/XXXX, Coinbase support replied back to me that they are not responsible if someone gets an individual 's login credentials. I called the XXXX XXXX and MN Department XXXX XXXX to report the fraud. The XXXX XXXX said there is nothing they can do since I reported it to the FBI. The MN XXXX XXXX XXXX was going to reach out to Coinbase. I checked with my phone provider XXXX about security breaches on my phone and they said they could not see any.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I am writing about a student loan account that is showing potentially negative on my credit report in the original amount of {$13000.00}. My first dispute was denied, however I replied to the denial by submitting evidence that the loan is/was settled for an amount of {$2500.00}. The original debt collector was XXXX XXXX Who works with Navient Solutions and at some point the debt was sold to a collection company called NES of Ohio based on a letter they sent me XX/XX/23. I negotiated paying the XXXX to a settled agreement for account # XXXX in the amount of {$2500.00}. I spoke with XXXX XXXX at XXXX XXXX and have a confrontation number.
Product: Vehicle loan or lease

Last XXXX, I found out there was a car loan issued under my name with my BOA account. It was from XXXX XXXX, Ca dealership for a XXXX   XXXX. I was shocked because I didn't apply for any car loan or have any XXXX with me. I contacted BOA and they said it was approved and I owed about {$35000.00} car loan from BOA. I immediately went to police station and local BOA to stop this fraudulent car loan. I also contacted the dealership but no one believed me. Later on, BOA sent me the car loan paperwork after I requested and it turned out it was not me/my name. Our name, XXXX, address, contact info and signatures are to XXXX  complaint to the dealership and police report, BOA told me that they will work on it. Few weeks later, I found out the car loan was removed without telling me. I feel BOA breached my security and identity. They can access my account and put a loan on me whenever they want. Even the BOA branch manager could not believe what just happened to me and believe BOA should compensate me for my loss and stress.
Product: Checking or savings account

I was charged double on my chime account for the merchant XXXX  XXXX chime made my account negative. I didn't have overdraft protection so I don't know why it was able to make my account negative I received payments to XXXX XXXX  which was attached to my chime and chime kept my payments equaling to the amount of XXXX $ merchant XXXX  XXXX was charged on dates XX/XX/XXXX and I never got my money back chime has refused to fix this problem and give me my funds
Product: Credit reporting or other personal consumer reports

This morning, I found incorrect accounts on my credit report, and Im completely at a loss as to why this happened. I check my credit report regularly, but this time, there were unexpected discrepancies. I even refreshed my browser, thinking it might just be a glitch, but the accounts were still there. I dont understand how this happened. Im begging for the documents Ive submitted to be carefully reviewed so that I can put this nightmare behind me and never worry about it again.
Product: Credit reporting or other personal consumer reports

I was checking my credit report after helping my son with college expenses and I saw that an account was opened in my name at Mariner Finance and was late in payments. 
I have never opened an account with this company and it should not be on my credit report. 

It was a loan for {$2800.00}, not sure of the exact amount. 

When I contacted them, they told me that they would open an investigation of this account and how it got there. 

The XXXX XXXX Police Department has also opened an investigation and have found the person that did this crime. It needs to be removed from my credit report.