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

XX/XX/year> approx XXXX XXXX  Location : BOA ATM XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Logged into BOA ATM, entered PIN, selected " Deposit '' and " Cash ''.

Deposited stack of {$20.00}, {$10.00}, {$1.00} bills totaling roughly {$700.00}.

ATM began to count bills, froze after about XXXX seconds, screen went blank.

Error message showed, ATM returned debit card with no receipt or record of bills deposited. BOA committed theft via ATM.

Called customer service, waited XXXX minutes for a rep, rep transfered me to a department that was closed so the line would disconnect.

Called back, next rep confirmed agents purposefully transfer to closed departments to disconnect calls. Submitted a claim for temporary account credit.

Rep stated upon investigation funds may be totally removed if bills can not be verified. Rep stated investigation relies on ATM machine to count the bills, confirmed the machine is broken and shows broken on BOA side, so investigation outcome relies on a non-operational machine.

Called BOA Corporate number, voiced concerns, was told " we experience hundreds and hundreds and hundreds of deposit claims per day ''.

The evidence here shows BOA is committing theft via faulty ATM machines and purposefully establishes a reconciliation process that is 1 ) extremely time consuming to goodfaith customers and 2 ) relies on faulty equipment to ensure funds are not distributed to goodfaith customers. This is active theft.
Product: Credit reporting or other personal consumer reports

Equifax updated my credit report from having a 30-day late XX/XX/2018 on the XXXX XXXX account then removed it 2 years ago for being inaccurate reporting. They then put it back on my credit report as a 30 day late for XX/XX/2018. Now I see they changed it to a 60 day late for XX/XX/2018. This information is inaccurate and keeps changing which is fraudulent on the credit reporting agency and goes against the fair lending act. I demand proof of this 60 day late showing on my credit report for XXXX XXXX. I have never been late on any of my payments and my credit report shows this. I attached my credit report before this was added back on my credit report and you will see my payment history has never been late.
Product: Credit reporting or other personal consumer reports

State employees credit union failed to provide loan verification letter. Proof sent to XXXX to have account updated or removed. Account was closed and charged off. SECU is still reporting late payments to XXXX, XXXX, and XXXX.
Product: Mortgage

I am elderly person that is trying to keep his home, I have tried numerous times to submit a loan modification package, but my mortgage servicer Caliber Home Loans underwriter has made my process impossible. Hiding behind guidelines just to delay my loan modification review. I provided a fully package back on XX/XX/XXXX, then my servicer stated that they need 30 days to review, I was supposed to received an answer on XX/XX/XXXX, but instead the underwriter requested pay stubs for someone that has nothing to do with my mortgage since I provided a quit claim deed. But the underwriter never looked at this. By requesting this he or she was able to go on with the holidays. By the time they figured out that what he or she requested was not needed, 30 more days passed by and I was falling deeper in debts since they are adding all type of fees on top of my mortgage. I went to court again on XX/XX/XXXX and a day before my settlement conference, they underwriter stated that my pay stubs were fraudulent and requested more pay stubs. I went to court with my most recent pay stubs and provided them to the court. The bank attorney did not want to take the pay stubs, but instead to fax them or email them to Caliber Home Loans. I sent my pay stubs to Caliber Home Loans, they told me that it will take 5 to 7 days before these information shows up on their system. By the time they looked at my pay stubs, all my previous documents expired, now I have resubmit a whole new package and I am sinking in debt, now I owed {$61000.00} and requested help 3 months after I failed behind. I can not get a good faith review of my loan modification application and I am caught in this horrible vicious cycle. I am seeking your help, I can not lose my home, it is everything that I have. I beg for your help. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I mailed XXXX XXXX a check for {$550.00} to cover the cost of my XXXX XXXX XXXX Credit card. The account # is XXXX. XXXX XXXX processed by check and have yet to send me a receipt or send the 3 Credit reporting agencies this information. I have disputed this with the 3 Credit reporting agencies as well. Providing them with substantial documentation. Yet, all parties involved have updated this information for my credit file.
Product: Student loan

My son, XXXX, is applying for a student loan at Discover to attend Univ XXXX XXXX - XXXX and I am his father and cosigning the loan. Discover advertises a 2.99 % rate as their lowest rate. 

In XXXX, my son and I applied for and received a loan at the lowest rate from Discover. 

In XXXX, another son of mine, XXXX, and I applied to Discover for a student loan for him to attend XXXX XXXX - XXXX XXXX. We received this loan at the lowest rate. 

My credit is excellent. I checked with XXXX XXXX and it is XXXX and XXXX. It is as good as it has ever been. I also recently paid down my home mortgage considerably, which seemed to have a positive impact on my credit score. 

Last week XXXX and I applied for his fall semester and we were give a secondary rate of 4.6 % ( over 50 % higher than the lowest rate ). I called and they said my credit score in XXXX was XXXX and my credit now was XXXX, but still both outstanding scores. 

I have worked hard to get my credit score in an excellent range. Paying down the mortgage was a big part of that and took considerable resources. 

Discover offered no explanation other than the decision is based on their algorithm. 

I do n't believe them and I believe I am unfairly being treated and discriminated against.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX XXXX XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX and XXXX XXXX XXXX with no successful resolution. XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX  Account Number : XXXX Dates of Late Payments : XX/XX/XXXX Nature of Complaint : I submitted a dispute to Experian disputing a late payment reported by XXXX  XXXX I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment was made within the 15-day grace period : My payment for XX/XX/XXXX was made on time, which falls within XXXX 's standard 15-day grace period. Therefore, the account should not have been reported as 30 days late. 
Clerical error by XXXX : Upon reviewing my account, I identified that my payment, which was made on time, was incorrectly marked as late due to an internal clerical error by XXXX. This error led to an inaccurate XXXX late payment report. 
Evidence provided : I have attached bank statements and payment confirmations showing that the payment was made on time. This documentation demonstrates that no delinquency occurred. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report.

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

Could I please get a copy of the Wells Fargo XXXX  responses? It appears that I have missed some of the responses that Wells Fargo has sent to me at various addresses, through email and other lines of communication which I may or may not have received. 

I would truly appreciate your time. Hopefully this will provide some clarity.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act convergent account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 section 602 A. State 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 a account without my written instructions
Product: Credit reporting

I paid off my Aspire Credit card more than 2 years ago. Recently, I was notified by my potential mortgage lender that Aspire Credit Card has incorrectly reported on my account status with XXXX with XXXX different account numbers and XXXX different statuses. Once as " closed and paid in full '' and the other as " closed and paid with a balance, '' this XXXX XXXX is incorrect and has not been updated since 2009. When I called to ask for a correction, they said my records were purged so they could not correct the account and would not send me a letter stating that the account was purged. Apparently it is their policy to delete all account information if it is paid more than XXXX year old, but not a policy to update the records correctly with the Credit Bureaus.
Product: Credit card or prepaid card

I went on XXXX XXXX and started purchasing airline seats. A pop-up on XXXX XXXX website offered me an XXXX XXXX XXXX XXXX XXXX XXXX credit card with XXXX miles and a {$50.00} credit on my next bill if I would apply to the card and use it to but the tickets, with the condition I spend over {$3000.00} on the card within the next three months. I have spent over 4k in less than two months so I called Citibank and asked how long it normally takes before I received my miles. I was told by the Citibank rep that I had a previous XXXX card 1 year and 51 weeks ago and that I was disqualified because It had n't been more than 2 years. I 'm very upset that I was solicited online and approved immediately for the card without the two year term being mentioned. If I had known, I would n't have applied for the card and used one of my cash-back credit cards. I feel this is a very deceptive practice especially since I was solicited with this offering on XXXX XXXX prior to purchasing seats.
Product: Checking or savings account

I had a account with Navy Fed, My Checking and Savings account had just turned 6 months old, I also had just opened a brand-new business account with Navy Fed , Through my personal checking account I had been receiving XXXX Payments from a person who banks with BOA, she was using her business account with her personal profile. My XXXX were anywhere from XXXX to XXXX and she would send them to me weekly for a project that I was helping her with. On XX/XX/year> her bank had her create a business profile for her XXXX because her personal profile was over the monthly limit this was the same account that she had sent me the XXXX every week for like three months. when she sent my zelle of XXXX My Bank Navy fed blocked the payment, And due to a known system issue on that day where XXXX was flagging transactions as fraud and delaying transactions with several financial institutions. My payment was not allowed. to Navy Fed. she then sent my XXXX to another bank of mine XXXXXXXX XXXX same amount XXXX with no issue. the following monday morning I got an email from XXXX who deactivated my account due to fraud and Navy fedwho closed not only my personal account but also my business account due to fraud I have a statement from XXXX stating no fraud occurred and
Product: Credit reporting, credit repair services, or other personal consumer reports

this letters were sent most importantly due to the erroneous reporting to the 3 credits bureaus and put the highly negative impact on my personal credit report. 
1 ) XX/XX/2019 XXXX XXXX XXXX {$720.00} 2 ) XXXX XXXX XXXX {$710.00} 3 ) XXXX  XXXX {$750.00} 4 ) XXXX  XXXX   XXXX {$1600.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

*That account does not belong to me- They did not even investigate properly *That collection account is showing a past due balance- They will not let me dispute the same account error twice. 
*The collection agency is not licensed in the state of North Carolina where I reside- Again they will not allow me to dispute this account. 
*Experian is the only bureau reporting this inaccurate collection account I asked for real validation showing this account was mine, I requested any type of documentation showing this is my account and they denied my request to remove the inaccurate information from my report. 
BUT if I want to re dispute this account I have to show them proof of rebuttal. 
Account name XXXX XXXX XXXX Account number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, I am writing you my second letter to get your attention the presence of Inaccurate and Incomplete information on my Credit Report, which was recently discovered while I was in the process of applying for New Employment which can be considered an adverse action. 
I have obtained a copy of my credit report and found several items that are not correct, and I am concerned that these inaccuracies have adversely impacted my ability to obtain employment at this time. 

I have been advised by a legal acquaintance that these inaccuracies can be considered an adverse action under 15 U.S. Code 1681a, specifically section 603 ( k ) ( b ) ( ii ). As such, I kindly request the immediate correction and updating of the following accounts on my credit report : Inaccurate and incomplete Information : 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX XXXX XXXX Account Number : XXXX Delete this account. 
15 U.S. CODE 1681I - PROCEDURE IN CASE OF XXXX XXXX XXXX Account Number : XXXX Delete this account. 
15 U.S. CODE 1692K - CIVIL LIABILITY XXXX XXXXXXXX XXXX Account Number : XXXX Delete this account. 
15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX XXXX XXXX XXXX Account Number : XXXX Delete this account. 

Personal information is incorrect XXXX XXXX XXXX XXXX, MO XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of the receipt. It has been more than 30 days and you are in violation of this law because I am a victim of identify theft! Please delete these items immediately.

These accounts should not be furnished on my consumer report as they are in violation! Under, 15 U.S. Code 1681b Permissible purposes of consumer reports ( a ) In general subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instruction of the consumer to whom it relates. I never gave any consumer reporting agency written consent to report anything on my consumer report which violates my rights as a federal protected consumer. No consent is identity theft. As a consumer, I am demanding the deletion of the accounts listed immediately.

Inquiries : XXXX XXXX, Inquiry Date : XX/XX/XXXX XXXX, Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX, Inquiry Date : XXXX, XXXX XXXX, Inquiry Date : XX/XX/XXXX XXXX XXXX, Inquiry Date : XX/XX/XXXX XXXX XXXX, Inquiry Date : XX/XX/XXXX XXXX, Inquiry Date : XX/XX/XXXX XXXX XXXX  XXXX Inquiry Date : XX/XX/XXXXXXXX XXXX XXXX, Inquiry Date : XX/XX/XXXX, XX/XX/XXXX XXXX, Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX, Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Account Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I appreciate your efforts to remove some of the inaccurate items from my file that resulted from erroneous credit data, but there are still items that need to be addressed. Pursuant to FCRA section 605B, you are required to remove any items from my file that resulted from inaccuracies in my credit history within 4 business days of receiving ( 1 ) appropriate proof of my identity and ( 2 ) a copy of an identity theft report. Attached is my updated FTC report XXXX : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$930.00} XXXXXXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX IR XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX. Please note, according to FCRA section 605, you are required to remove any items within 4 business days if they are the result of inaccuracies in credit information. Additionally, please send the necessary notifications to the data furnishers involved. Thank you.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed. 
I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by
15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the XXXX data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this breach XXXX  ( XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX
Product: Debt collection

In XX/XX/2022, Valor VIP called me XXXX  times with the number XXXX. When I picked up, no one spoke, which seemed like a robocall or gathering voice samples for phishing. I later XXXX  and learned that they were a debt collection company, but I had no debt. I didn't understand why they repeatedly bothered me.

I hope they stop calling people unrelated with their business.
Product: Debt collection

I was a victim of identity theft. XXXX was one of the credit cards that were fraudulently taken out in my name. I spent hundreds of hours trying to correct it. They would not cooperate with Sheriffs Dept until they were threaten with the state attorney. I had to get a lawyer before they would take it off my credit report. This was around XX/XX/21 Then out of spite I'm guessing they sold this off to a credit collection agency. I was notified around XX/XX/XXXX of this year by ACI that I owed money on this debt again of identity theft! I explained to them I did not owe them. I was hung up on. And harassed me repeatedly. They called family and friends telling them about my file! Recently found out they hit my credit with this debt again after it was taken off.
Product: Debt collection

Dear Southern management, In response to the debt {$11000.00} you reported to the credit bureau on XX/XX/year>, I am contacting you to make the precisions below : In reference to the agreement I signed with the initial creditor XXXX XXXX XXXX I consented that any proceedings to enforce the guaranty agreement be brought before the court sitting in the judicial district or circuit in which the apartment is located to file an affidavit. 
I did not receive a call, nor a validation notice from you, Southern Management, to state the debt, the name of the original creditor, the amount and my responsibility with the initial creditor, I believe that XXXX XXXX XXXX, who is the initial creditor just made a default judgement for themselves to take money from me. I am writing you to let you know that I do not have any responsibility with the debt you are trying to collect according to the fact described below : I co-signed the student XXXX XXXX for an appartement within the XXXX XXXX XXXX XXXX located in XXXX, Florida to pursue a degree at the XXXX. She has not missed any payment, however, after she graduated, she was going through some XXXX XXXX, XXXX  issues, and she could no longer afford the rent, so she decided to move out with the consent of XXXX XXXX in the sense that they sent an agent ( XXXX ) to inspect the property and retrieve the key once she cleans up. XXXX did clean the property and dropped the key on the XXXX of XX/XX/year> as requested by XXXX XXXX. Upon reception of the key, XXXX XXXX made her sign a sublease to immediately terminate her contract with them, matter of fact XXXX XXXX paid the remaining balance. As a proof, XXXX XXXX cleared her account to XXXX balance ( Receipt and exchanged message and photos after cleaning up attached to the letter ). 
As far as the reported debt to the credit bureau, I found out after I was denied by VA for my home loan as an Active-Duty Military. With the information the lender provided, I called Southern management and had XXXX XXXX, she asked my account number and I politely replied I do not have it, and she said so I can not help you and hanged up the phone, I called her back again, and she said : As I told you I can not help you without your account number, I said maam I do not have it, she then asked my name and I spelled it for her and she said I do not see your name, so I dont have anything for you and then asked my social security for further verification, I said maam, I do not know what is going so I cant give you my SSI number and she hanged up the phone. 
In fact, I do not have an account that I am aware of with you. As stated, I do not have any responsibility with the debt you are trying to collect. 
In witness whereof this letter is written to Southern Management LLC to serve as a dispute against the debt.