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

I made a transfer from the Bank of America website. It was an external transfer from XXXX XXXX to my checking account in Bank of America. BOFA withdrew {$1000.00} from my XXXX XXXX  account but never deposited in my account. I has been about 3 weeks already with no resolution and every time that I call them, is like I never called before. I logged in the BAFA   website and requested a {$1000.00} transfer from my XXXX XXXX to my BOFA account. Having done this before, I thought everything was going to go as expected, but it didn't. Initially, BOFA was playing the blame game and was trying to say that XXXX was to blame for this. After long talks with XXXX XXXX   management, we finally realized that BOFA was responsible. The withdrew the {$1000.00} and they are the ones able to trace it and let me know what happened with my money. I am not sure what to do here, but at this point, I feel like this money was stolen from me. The outrageous it that I because of this, I was not able to pay the full amount of my credit card and BOFA is already trying to collect the interest when everything was their fault, to begin with.
Product: Credit card or prepaid card

I received an alert from a credit report monitoring service. I contacted the company and they notified me that an inquiry had been made on my credit report. Further review determined that a business credit card was opened up with Capital One Bank for an address in Michigan. I did not open a business credit card account in Michigan. I contacted Capital One and had account closed due to fraud and they have submitted case to their fraud department. Making this report to complete process.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following accounts. Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Care Credit XXXX Synchrony Bank They charge almost $ 30/month for something called XXXX XXXX. I do not qualify for this service because I am self-employed. I have called repeatedly for a week to try to address the problem. Here is what happens : XXXX. The number attached to card security doesn't work. A machine recording claims there is a security issue they are working to address, so I am unable to cancel the service and get a refund XXXX. When you call the main customer service number, they say they can't do anything, and that you need to call the number that doesn't work. 

XXXX. At the end of the number that doesn't work, they give you a different number to call, and that person claims they also can't do anything, however, they can submit my request to someone, and I should wait 15 business days to receive a letter by mail to hear if my request has been approved. No one can give any information on refund or any part of the process. They are about to charge me a 3rd time for a service I don't need or want, and I'm helpless. This has to be illegal.
Product: Checking or savings account

I'm trying to connect my PNC bank account to my XXXX investment account. PNC won't let me.
Product: Money transfer, virtual currency, or money service

CashApp allowed people to dispute transactions after service were rendered
Product: Debt collection

In XX/XX/XXXX I pulled all 3 credit reports. I noticed The XXXX XXXX XXXX account on my reports. In XX/XX/XXXX, I disputed alleged account with all 3 credit bureaus. It came back as verified. On XX/XX/XXXX I received correspondence from The XXXX XXXX XXXX. ( Letter enclosed ) Prior to this letter I did not receive a dunning letter. I was also not notified within 30 days of placing negative information into my credit file. I sent a certified letter on XX/XX/XXXX asking for validation of alleged account.
Product: Student loan

Hello, My student loan is currently in default with XXXX. American Education Services is the loan servicer. 

I filed bankruptcy in XXXX. The full amount of the bankruptcy was paid in full in XX/XX/XXXX. 

I realize this is not customary, but the judge put my student loan in the bankruptcy. The total bankruptcy balance was paid in full in XX/XX/XXXX, but was not posted to my student loan account until XX/XX/XXXX. 

XXXX says I still have a balance of about {$5000.00}. The trustee in my bankruptcy case made all payments to my creditors. They said all I have to do is forward my bankruptcy information and it should clear this up. 

I continue to be harassed. My credit score is under 500. 

I contacted the Attorney General in Washington state. They contacted AES on my behalf, but they will not work with them. 

In addition, AES tacked on {$15000.00} onto my loan balance is XXXX. After completing some research, I don't think they could do that. 

My bankruptcy paperwork is attached. 

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

The accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion continues to violate guidelines of fair reporting according to the FCRA. Attached to this current complaint is a copy of the letter I sent Transunion that they received on XXXX XX/XX/2018 requesting 1. The information that XXXX XXXX   sent Transunion enabling them to verify this inaccurate credit card charge off on my credit report.and 2. The contacts of the individuals from XXXX XXXX providing the inaccurate unverified information on my Credit Report. Transunion sent me a copy ( see attachment ) detailing re-investigation procedure. XXXX XXXX has informed me that they have NO contracts binding me to the account and stated that they believe the reporting is fair and left the decision to Transunion to remove this inaccurate unverified information. I have forwarded that letter from XXXX XXXX to Transunion who continues to report this WRONG information on my Credit Report. THIS IS NOT WHAT MY REQUEST WAS AND THAT IS NOT MY ACCOUNT. This will be my final attempt I have enough complaints and responses on this portal from Transunion to proceed with my small claims lawsuit for FCRA violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently disputed an erroneous account on my credit report with equifax. The alleged account has so many inaccuracies, dates.. wrong name, address, incorrect amounts reporting across all bureaus. I received a response from equifax saying updated information was processed from a dispute from XXXX  and no real investigation was done because there is no way to correctly report it with so many inaccuracies on for account. I have submitted all the information needed to clearly verify my claim. I wish to have this deleted immediately because its defamation to my character and I know without a doubt I can win a case with the evidence I have. Thank you for your time. 
Regards, XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

XXXX said that PNC made a change that prevents my account from being linked- which means I can no longer use XXXX!! Please FIX asap!!!
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 XXXX, XXXX XXXX XXXX XXXX  XXXX ( XXXX ) XXXX HI, I am writing to formally request validation of the alleged debt associated with my account [ XXXX ] in accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ). The information reported on my credit file appears inaccurate, and I am disputing both the debt and the late payments reflected on my credit report. 

Specifically, I request the following : * A full validation of the debt, including a detailed breakdown of the amount claimed, the original creditor, and any relevant documentation proving I owe this debt. 
* A record of all payments made and a clear explanation of how late payments were determined and reported. 

Until this debt is properly validated, I request that you cease all collection activities, including reporting any negative information to credit bureaus. If you are unable to validate this debt, I demand its immediate removal from my credit report and that all late payment marks be deleted. 


Sincerely, [ XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Hello, I applied for a modification due to a financial hardship ; for two  decades I have been a XXXX  XXXX. Two years ago I suffered an approved XXXX XXXX, which has changed my ability to work and my finances. Bank of America approved a loan modification, and sent me documentation that stated the modification was {$1.00} ( XXXX dollar ) more than my current unmodified loan ( which I am current on, and have had for approximately 3 years ). XXXX dollar did not seem to be significant. I examined the details of Bank of Americas documentation for the modification ; they did not disclose the apr, the term, or if an escrow account ( for property tax and/ or insurance ) was included in their proposal. Next, I called Bank of America ( on a recorded phone call ) to illicit these necessary details from one of their loan officers or a supervisor. Bank of America refused to provide me with any of the aforementioned. The banking representative told me essentially, either you accept or you dont. I refused to accept because I did not know and was refused the terms of the modification ( for instance, the APR : it could be more or been variable, the term/ period in months was also unknown, and the modification could have included a balloon rider ). After refusing the modification, I immediately notified a HUD officer who assisted me with this process. The HUD officer was also, et with the same abruptness from B of A and purposeful lack of details. 

the next week I received an invoice in the mail from B of A. I was notified that my existing home loan now an an escrow balance in excess of {$1000.00}. ( This was puzzling to me because both my property tax and insurance were current, and both paid from Bank of America accounts ). I investigated the reason for the escrow, and found that because of the modification inquiry, B of A ( without my permission ) contacted my insurer ( XXXX XXXX ) and paid the remaining portion of the insurance premium ( from XX/XX/XXXXXXXX  to XX/XX/XXXXXXXX  ). B of A did not send me any notification that they were going to do this nor did they have my permission. Furthermore, this action should not have occurred, especially because I DECLINED their proposed modification. Both actions by Bank of America are not okay. I also feel that bank of Americas acts here are indicia of lack of transparency, predatory lending practices, and are intimidating.
Product: Credit reporting or other personal consumer reports

Account XXXX XXXX XXXX XXXX  account # : XXXX I am writing to file a formal complaint regarding persistent inaccuracies on my credit report held by Equifax. Despite assurances of account " verification '' and accurate reporting, discrepancies continue to exist across all three credit bureaus. Unfortunately, my previous attempts to obtain original documentation, including signatures, contracts, and details about the verification process, have gone unanswered. This lack of response constitutes a violation of the Fair Credit Reporting Act ( FCRA ), specifically its requirement for a thorough investigation. 

Contrary to the assertion that all information is " verified '' and accurate, the following discrepancies persist on my Equifax credit report : XXXX. Date opened : Discrepancies exist across all three bureaus. 
XXXX Credit limit : Variances are observed across all three bureaus. 
XXXX. High credit : Discrepancies exist across all three bureaus. 
XXXX. Comments : Discrepancies exist across all three bureaus. 
XXXX. Date of last activity : Discrepancies exist across all three bureaus. 
XXXX. Payment history : Discrepancies exist across all three bureaus. 

The inclusion of inaccurate information on my credit report has severe consequences for my creditworthiness and financial well-being, resulting in unjust credit denials. I am dedicated to ensuring the accuracy of my credit report and insist on the prompt correction of these inaccuracies. 

Despite claims of a thorough investigation by Equifax, the information continues to be reported inaccurately, representing a violation of the Fair Credit Reporting Act ( FCRA ). I am not requesting a re-investigation ; instead, I demand the removal/deletion of the late payment notation for this account from my Equifax credit report. 

Enclosed, please find supporting documentation highlighting these inaccuracies for your review.
Product: Mortgage

On XX/XX/XXXX, Capitol Mortgage Services of Texas, my mortgage company paid my taxes with escrow amount. In XXXX of XXXX, I requested the amount left in escrow to be sent to me, minus the required amount they must keep, my part to be sent to me is over XXXX. 
I have now sent, called and e-mailed over 18 times to receive my money- -they have ignored all request.

I just want the overage money and a statement showing HOW they came up with a different amount, if any, on my escrow money.

I am merely asking what is rightfully mine on this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried reaching out to the creditors ( XXXX XXXX XXXX XXXX in addition to the credit bureaus ( XX/XX/XXXX Equifax, and XX/XX/XXXXXXXX. To date I have yet to receive any correspondence from either creditors or credit bureaus. 

Please reference documentation that was submitted to both creditors and credit bureaus. Correspondence to the creditors was sent via certified mail. 

Both the creditors and credit bureaus have exceeded the 45 Days. I am requesting complete deletion of the late payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX sent certified letters in XXXX, XXXX, XXXX, and XXXX of XXXX  about XXXX alleged bankruptcy that is listed on my profile. They said it was verified through a third-party XXXX XXXX and pacer but not the original source and did not do personal interviews. They are violating my rights as those items are not mine plus more than XXXX days about this issue. 

XXXX XXXX removed it and I told Experian and they still said it was verified. 

Also, I sent documentation showing the court did not verify and dates letters were sent. You were to do an audit on this, you will find as true and accurate. The court name is inaccurate, an attorney name does not exist is inaccurate and docket number, and also I asked how were you able to verify on pacer when it does not show full social security number, date of birth, and other personal information. 

I'm not sure why they said it's accurate but did not verify the correct way and that still shows invalid unverifiable, and inaccurate information.
Product: Debt collection

I have vehemently contested the wrongful foreclosure of my home by Bank of America since XXXX 2012. Notwithstanding, the lawsuit I filed on XXXX XXXX, 2012 is currently pending in the XXXX XXXX XXXX XXXX XXXX. 

I have filed complaints with the CFPB, HUD Inspector General, and the Courts. 

However, while the lawsuit is pending, Bank of America has transferred the servicing of a XXXX balance loan to XXXX to collect. 

Bank of America has never tried to collect any debt from me after the foreclosure sale of the property on XXXX XXXX, 2012. 


I 've attached documents to substantiate my claims.
Product: Debt collection

When I was making the never report any payment to the credit bureau then when the public health issue started then I lost income and tried to settle account with them for the amount that I had, they have denied the offer for the settlement. After all they report as write off and put my credit score to negative status and then I have paid off the account and they still not able to update the credit score with paid in full status but with paid/charged. I c ok considered this is not fair report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I addressed a hard inquiry on my report from XXXX XXXX that I did not make regarding a personal loan to be disputed from my report. As of XX/XX/XXXX, XXXX XXXX has sent the request to the credit company reporting this inquiry ( being Transuion ) to be removed and they stated to allow 60 days for it to be removed. Today is XX/XX/XXXX and it has yet to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report. 
XXXX XXXX XXXX XXXX XXXX Balance : {$1600.00XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX  XXXX Balance : {$260.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : dept of ed/XXXX # XXXX XXXX, Account name : XXXX XXXX XXXXl # XXXX, Account name : XXXX XXXXXXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Debt collection

i sent a letter on XXXX, requesting validation of the alleged debt from this company that i don't owe or never had a contract with and this is what i requested : 1. Original Contract : A copy of the original contract or agreement bearing my wet-ink signature, which is the basis of the alleged debt.

2. Proof of Ownership : Documentation proving your legal ownership of the debt, including the complete chain of custody from the original creditor to the current creditor.

3. Full Accounting Records : Detailed accounting records of my account, both public and private, maintained according to Generally Accepted Accounting Principles ( GAAP ). This should include a comprehensive history of all transactions and charges applied to my account.

4. Affidavit : An affidavit affirming that a contract exists between me and your organization, including the terms of the contract and any other pertinent information.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report I have identified certain information that is reporting incorrectly. Please make sure that the only information that is reporting in my credit report is the one mentioned stated below : My full name is : XXXX XXXX XXXX XXXX My correct date of birth XXXX XXXXXX/XX/year> My correct Social Security XXXX My correct address is : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX employer is : Self employed Please correct this typographical information immediately as it portrays me as a person engaging in fraudulent behavior. Also please delete all telephone numbers that appear in my credit report, as I have been a victim of robo-calls. 
Please not that I have opted out in writing to your forced arbitration terms and am willing to seek legal relief.

Under Section 611 of the FCRA ( Fair Credit Reporting Act ), I expect you to delete these negative accounts and provide me with an updated report within 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

so check this out, I went to get a job and was denied due to things on my report that don't belong to me. there is a car loans and credit cards that don't belong to me at all and they are a result to identity theft
Product: Credit reporting or other personal consumer reports

This is to express my deep dissatisfaction with the repeated unsuccessful attempts I have made to remove the fraud items from my credit report. Despite multiple efforts and clear evidence supporting my claims, these inaccuracies persist, causing severe harm to my financial reputation and personal security. I discovered an fraud items listed on my credit report. Its inclusion on my credit report is erroneous and misleading. Upon discovering these inaccuracies, I initiated disputes with your organization by following the standard dispute resolution process provided on your website. I demand for your assistance for immediate action to rectify these inaccuracies on my credit report, specifically by removing the fraud items. It is vital that my credit history accurately reflects my financial record, and any inaccuracies should be rectified without further delay. I am asking for your immediate assistance to remove the following fraud items in my credit file : XXXX XXXX XXXX Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$13000.00} XXXX XXXX XXXX Balance XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX Balance XXXX XXXX {$3200.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$1500.00} XXXX XXXX XXXX XXXX Balance Owed : {$13000.00} XXXX XX/XX/XXXX.
Product: Bank account or service

Wells Fargo is ripping off their customers. My checking account was not over drawn and while there were pending charges, XXXX of the charges were duplicates and I had made an additional deposit on the XXXX making the checking account balance. I talked to their customer service people and they told me that their screen is not the same as my checking account, and that they create over drafts by putting in the pending charges/checks. However, the pendings charges/checks had XXXX venders that doubled their charges. XXXX has cleared and the other should drop off by monday. My available balance had over {$1000.00} in it. This bank is practicing theft by deception.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of the XXXX student loan defraud action after that school filed for bankruptcy. The Federal court ruled that all student loan debt associated with this school be discharged. I filed the necessary discharge paperwork with the Dept of Education in XX/XX/2019. 

The attached article -- https : XXXX - from XX/XX/2019 states that a federal judge rules last yer the the DOE delays in forgiving the student debt of defrauded students was ILLEGAL. The article points out that the Dept of Education continues to neglect pending applicatins now totalling 180,000 and that NO borrower has had their request approved or denied in more than one year.

Based on this information the three credit reporting bureaus should be deleting all my Federal Loans and XXXX loans showing on my credit report as continuing to do so will put them in violation of a Federal Judge 's order to discharge these student loan debts..