23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I consolidated my student loan in XXXX 2013.Original balance was, ( {$75000.00} ) + ( {$120000.00} ) = ( {$200000.00} ). This included all loans. EQUIFAX has decided to report incorrect information. They list ( {$14000.00} ) pass due and, ( ( {$42000.00} ) pass due. These loans were included in the consolidation. They need to be fined, and restore my credit score to reflect that.
Product: Credit card or prepaid card

I never got my government money all the way backfill XXXX still never got my end card or check.
Product: Credit reporting or other personal consumer reports

The initial investigation conducted by Equifax was not in accordance with 15 U.S.C. 1681 ( a ) ( e ), which defines an investigative consumer report. Specifically, the FCRA requires that consumer reports based on an investigative report must include information gathered through personal interviews with individuals such as neighbors, friends, or associates. However, I believe that the investigation into my dispute did not follow these procedures, and I have not been provided with sufficient documentation supporting the investigation process. In addition, I would like to reference a CFPB finding regarding Equifaxs violation of the FCRAs requirements for investigating and processing consumer disputes. According to the CFPB, Equifax : Failed to thoroughly investigate consumer disputes : Equifaxs dispute process limited consumers ability to fully describe their disputes, often failing to consider relevant information submitted by consumers or ignoring contradictory evidence in the furnishers response. Failed to prevent previously deleted errors from reappearing : Equifax lacked systems to block previously removed information from being re-reported, which harmed consumers who were forced to send repeated disputes due to unresolved or recurring inaccuracies. Put inaccurate data and identity theft-related information on consumer reports : Equifax failed XXXX detect or block information tied to identity theft and incorrectly reported inaccurate credit data. These findings indicate that Equifax has employed similarly flawed processes that were not in compliance with the FCRA, including the failure to conduct a thorough and fair investigation of my dispute. I request that the CFPB to compel Equifax to follow the required procedures for investigating my dispute, and I respectfully ask for a reinvestigation into the disputed late payment entries. I have included Equifax 's response previously which indicates Equifax confirmed it's findings or verification through the creditor ( XXXX XXXX ) and this is a direct violation of 15 U.S.C. 1681 ( a ) ( e ). Please see attached supporting documents.
Product: Credit reporting or other personal consumer reports

I called BOA because BOA locked my XXXX card ( CC ) accounts numerous times after trying to access them to make a payment and review my account statements. 

Finally, I spoke with a lady, and she failed to add my XXXX checking account to all my BOA cc auto payments. She failed to add XXXX of the XXXX BOA XXXX to my XXXX account. She had access to all my BOA cc and made the error of leaving BOA cc ending in XXXX without my XXXX auto-payment account. 

BOA reported to all Credit Bureau that my account was late in XXXX of 2024, however, I wasn't aware of the situation, nor did BOA contact me until the late fee was assessed. 

I became aware of this situation ( late payment and credit decrease ) after XXXX XXXX sent me a notification that my credit was impacted, and my credit limit was decreased. 
Around XX/XX/year>, I called BOA, and an employee called XXXX made an adjustment on my cc for the late fee and said BOA would update all credit bureaus. 
XXXX weeks later, I talked to XXXX and she said the same thing and provided case # XXXX for my records. 

On XX/XX/year>, I received a letter stating : that All of the account details we reported are accurate. We reported this account as delinquent for 30 days on XX/XX/year>. This means we wont be adjusting our reporting as you requested and consider your dispute resolved. 

On XXXX, I started getting the round around an employee, XXXX, and told me to call the next day On XXXX, I talked to Supervisor, XXXX and she explained that I was given the wrong info and shared that an apology letter was going to be sent to me ( which I haven't received as of today ). I felt that my conversation with XXXX was hostile and came across as retaliatory. It came to a point that I shared that most likely I was going to take legal action. 

On XXXX I paid BOA XXXX {$1200.00} to improve my debt- ratio, increase my XXXX XXXX, and prevent other banks from limiting my credit limit like BOA On XXXX with no warnings or motive BOA retaliates and XXXX my credit limit again. Other cc companies follow suit. They promised to send me a letter, but they failed to send it as it's their failure to properly communicate. 

It's very disappointing that my score is trash because of the retaliatory actions and wrongful intent actions from BOA. Their actions of not recognizing they failed my access to my accounts and statements. Their actions prevented me from adding my account info and reviewing statements. Their actions prevented me from accessing my cc account. Furthermore, they decreased my credit limit 1 day after I paid over {$1200.00} for no reason since I haven't used the credit card or missed payments with them or any of my other accounts. My credit was 100 % on time until BOA failed to do the right thing and damaged my credit.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX I made a payment of {$3500.00} to settle a debt I owed synchrony bank which resulted in a merited discount hence the bank refunded me {$740.00}. But before the payment went through I had made multiple payments, {$2000.00} which was returned and {$1500.00} which never went through and because I had made the above payments within a day I requested for a refund of the {$3500.00}. After the return of {$2000.00} and failed transaction of {$1500.00}, the {$3500.00} went through and was used in settling the debt. 
In XX/XX/XXXX when I was buying a house, I noticed that the already paid debt was on my credit report .i contacted synchrony bank and this was taking down with an apology from the agent and the XXXX who addressed the issue. 
Until XXXX I noticed a drop and steepness in my credit report with synchrony stating that I am owing them an amount of {$4200.00}. 
I requested for a merchant information of that purchase of an account which has already been closed on XX/XX/XXXX and I was informed that since it is a closed account they can not provide nor retrieve that information of purchase. 
XXXX while they were able to provide information of the the real purchases I had made on XX/XX/XXXX XXXX overstock {$1200.00}. 
According to the bank statement, synchrony sent a check refund {$3300.00} which was never received although they disagree what the bank statement has stated and are insisting that I made a purchase howbeit they have failed in providing merchant information of the false purchase they are claiming. 
This is very frustrating and has denied me a lot of privileges merited by credit score. 
Currently after several calls and letters in fixing this system error coming from their end, they have reported this issue to a debt collector although they have failed in providing the merchant information and the various chats I had with multiple of their agents regarding payments and closing of the account in XXXX XXXX. 
Please help me out here since this is driving me insane. 

Thank you
Product: Debt collection

Sentry credit inc has NOT stopped harassing phone calls to me even calling at XXXX and at night at XXXX threatening and using abusive language and this is on the XXXX that had unauthorized charges and XXXX has closed off and cleared all fees. please help to stop sentry this must be illegal and every unethical thing to do
Product: Checking or savings account

To the Concerned Party, I am writing to address a matter of utmost importance that necessitates immediate attention. Regrettably, my financial account has fallen victim to fraudulent activity, and I find myself in the unsettling predicament of being denied reimbursement by my bank for the unlawfully taken funds. In response to this distressing situation, I have taken the initiative to file an official police report in connection with the crime, underlining the severity of the identity theft I have suffered. 

The fraudulent actor responsible for this act of deception managed to gain unauthorized access to my account, most likely through the acquisition of a duplicate of my debit card. While the bank has indicated that such an occurrence is seemingly implausible, I must emphasize that my unfortunate experience stands as evidence to the contrary. 

It is my belief that I am entitled to the protections outlined by the Federal Deposit Insurance Corporation ( FDIC ), a safeguard that guarantees financial restitution of up to {$250000.00}. In this specific instance, I had maintained a balance of {$2900.00} in the compromised account, which was subsequently depleted entirely. 

My intent in pursuing a resolution to this matter is sincere and rooted in a commitment to justice and transparency. My decision to file a police report is not one made lightly, as I recognize the implications of such an action. Rather, it stems from a genuine necessity to address the wrongdoing and reclaim the rightful security and stability of my financial resources. 

I implore your assistance in navigating this distressing situation, as I am left perplexed and uncertain about the subsequent steps to take. The gravity of the situation compels me to seek a just and equitable resolution, as I am resolute in my assertion that I have been wronged and seek the appropriate remedies. 

Thank you for your prompt attention to this matter, and I remain at your disposal for any further information or clarification that may be required. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute the accuracy of information on my credit report under the Fair Credit Reporting Act ( FCRA ), referencing 15 USC 1681 EB. Despite a previous reinvestigation, the disputed items remain unresolved. 

I request another thorough review of the items listed below : 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  I urge compliance with FCRA regulations and prompt removal or correction of any inaccuracies found. Enclosed are documents supporting my claims. 

Please acknowledge receipt of this letter and inform me of the next steps. Your swift attention to this matter is appreciated.
Product: Checking or savings account

On XX/XX/XXXX someone tried to open an account using my social security number at bank of America. Shockingly BofA sent an email saying this account can only be opened with a physical ID at a branch and you would think that would be the end of this. 

I called them to inquire about this and they informed me that a flag would be placed on my account to prevent this from happening in the future. On XX/XX/XXXX despite the supposed " flag '' someone did open an account in my name with my social security number. I called bank of America and they told me they closed the account and this will never happen again. On XX/XX/XXXX again Bank of America allowed someone to open an account using my social security number, an address that was not mine and they should have known was not mine because I am an active BofA customer and a name that is not my legal name. On XX/XX/XXXX someone used this account to commit fraud and I was texted about this fraud despite my number not being on this account. ( I believe BofA allowed this fraud to go through because they used my SS number and matched my active account with this fraud account and this exposes a massive security issue ). I called BofA on XX/XX/XXXX to confirm the account was closed and only then did they shut down the account. At the time they claimed that they opened the account based on a XXXX report. This is false on two fronts : XXXX ) According to my XXXX  report they never checked the report XXXX ) The address that was used on the account is not in my XXXX  report. 

It appears that BofA has no ability to stop this fraud from occurring as the fraudster did not even need to receive a physical card because they committed fraud using the virtual card in XXXX XXXX. As long as they cant stop someone from opening an account in my name, fraudsters can continue doing this. 

Additionally, although I have been a BofA customer since XXXX, BofA is communicating with me about this fraud using an email address that is not listed on my account, a name that is not my legal name, and an address that I have not used in 8 years. 


Attachments : XXXX report showing that they didn't check it and the address they used for this account was not there Email showing that account could not be opened without id Emails showing the accounts that were opened emails showing that the debit card was used Text message that came to me about this debit card being restricted. it was not restricted and my number should never have been on this account. 
Screenshot showing my actual accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed inaccurate and incomplete information regarding an account number. I also requested a description of the procedure used to determine the accuracy and completeness of the information from XXXX. I have not received it, and after 3 months XXXX  is still reporting inaccurate and incomplete information. On XX/XX/2021 I received a response from XXXX  stated the reinvestigation of a creditor was accurate. According to the FCRA, if I have requested how it was investigated, I am supposed to receive that information. 

Experian has been reporting companies on my file that violated the Hippa law and is reporting my medical information as proof of validation. 

Experian, XXXX and XXXX  has inaccurate and incomplete information regarding account number. The numbers are covered with ****and according the to FRCA the account numbers should be full disclosure
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is violating the FAIR CREDIT REPORTING ACT they know the account does not have my name and they still are reporting it and its reported twice and it a secured care in which no debts are left with secured cards and thats why they are called secured credit card, you only spend the money you have loaded or previously add by bank, atm, or however the cash load works! I need this fixed i am looking for work and this has caused me to miss out on employment opportunities. Thank you Respectfully, XXXX XXXX XXXX
Product: Debt collection

As a federally protected Consumer, the consumer comes now to dispute any alleged claims you currently are reporting as a consumer debt on the consumers credit report. 
The Consumer is requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ). 
FURTHERMORE, the above consumer DEMANDS the following below : Account Name : LVNVFUNDG Account Number : XXXX
Product: Debt collection

Received a notice from a company named TRS Recovery Services for a debt with ID : XXXX fraudulently stating there had been a stop payment issued by my bank for a website named XXXX XXXX in the amount of {$200.00} with penalties. I have never been on the site, do not gamble, no original item was issued and no stop payment was issued by my bank as there was no instrument of payment at any time. There are also many other flags that this is a fraudulent claim. 

Steps to remedy include contesting on the TRS website per their notice and have sent certified letters contesting the debt to the companies requesting a canceling of the debt, information about the supposed debt and the cessation of contact but received no response. A second letter was received from TRS dated XX/XX/2022. I am sending another certified letter restating my request. 

In their dispute process they request bank account information and credit card information which would be misleading to many.
Product: Credit reporting or other personal consumer reports

To update this suspicious information, I sent a letter to the three credit bureaus. I believe that these accounts have not been verified in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I shall take legal action against you for this. This was previously incorporated into my last COMPLAINT, and I'm including it once more. 

XXXX XXXX XXXX Balance Owed : {$450.00} ; XXXX XXXXXXXX Balance Owed : {$900.00} ; XXXX XXXX XXXX XXXX  Balance Owed : {$0.00}.
Product: Mortgage

In trying to obtain a new mortgage to buy a new home/ refinance in XXXX of XXXX, my mortgage broker found discrepancies on my credit report which were made by my current mortgage company - Mr. Cooper XXXX Nationstar Mortgage. They reported that I was late on several consecutive payments while I was in an active bankruptcy between the years of XXXX through XXXX. 

Per bankruptcy guidelines, I was never late on these payments and should have never been reported as late since I was covered under the bankruptcy laws. I have worked very hard since my bankruptcy was completed in XXXX, to rebuild my credit with all payments on time during and after my bankruptcy. 

I was told to notify them in writing which I did on XX/XX/XXXX. 
On XX/XX/XXXX, a letter was generated that I never received stating that all corrections were made. I called back in late XXXX and requested them to e-mail me this letter since it was not received. But when I pulled my credit, I found that my mortgage company erroneously placed me in an active 5 year bankruptcy effective XXXX of this year XXXX, and havent reported me making any payments since then. 

This caused my credit score to drop from XXXX to XXXX with no chance of obtaining a new mortgage or any other type of financing. 
When I called them to report this, I was told to submit another request in writing and they tried to blame it on the credit bureaus. I called the credit bureaus and they confirmed that this was reported by my mortgage company. 

I submitted another request on XXXXThey said that they removed the active bankruptcy from my credit report, but have still not reported me making my mortgage payments on time since XXXX of XXXX. When I called last week, they said my file was still in the bankruptcy department and they were not finished with the corrections. 

Meanwhile, my credit score is still not what it was prior to all of this happening, and nobody seems to care how this has affected every aspect of my life. I still have not received an explanation as to how this could have happened. It is going on 4 months since my initial request to correct the late payments. I don't understand why my file is still in the bankruptcy department and why they have not reported my timely payments since XXXX of XXXX. 

I have been waiting 4 months since my initial request to make a simple correction. I can not get pre-approved for a new home or a refinance until this is all resolved. I want this resolved ASAP.
Product: Checking or savings account

- On XX/XX/2019 I sent a wire ( from the branch with teller rather than via internet banking ) from my 100 % owned company 's bank account at XXXX to my personal account at Bank Of America. 

- Bank of America froze the funds ( without even consulting me ) due to my incoming wire from XXXX that was apparently 'confirmed fraud '. 

- I contacted Bank of America to let them know the wire wasn't fraud as it was in fact sent by me from my corporate account at another bank. 

- Bank of American requested I take a notorized copy of the wire transfer receipt into a Bank of America Financial Centre ( copy attached ). I took the notorized copy in to a bank of America Financial Centre on XX/XX/2019 and was accepted by Mr. XXXX XXXX ( Tel : XXXX XXXX XXXX ) or email XXXX - I have also followed up with XXXX who have sent two confirmations to Bank of American via XXXX XXXX XXXX XXXX the Intermediary Bank ) to confirm the wire is in fact good. 

- I have called Bank of America every other day for the last month inquiring as to what has happened to my funds but have been told that nothing can be done as the wire is 'confirmed fraud '. 

- I am at a complete loss as to what to do as I have concrete proof that the wire is not fraudulent and XXXX have confirmed that the wire is good however Bank of America will not provide me with any avenue to prove this or even permit any email correspondence or phone contact with the 'Hold Harmless ' group. 

- My contact at XXXX is XXXX XXXX ( XXXX ) - I really want to avoid getting legal counsel involved as Bank of America will drain my resources to the point where I lose everything anyway. Please HELP!!!!
Product: Mortgage

I am in a FEMA disaster area. On XX/XX/XXXX, I was contacted by XXXX XXXX, from Chase Bank, who is my mortgage company. XXXX XXXX explained to me that because of the recent disaster, Chase would defer my mortgage payments until XXXX. At that point I was one payment behind, he explained come XXXX, I would owe for the behind payment and XXXX payment. The rest of the charges would be put on the back end of the loan. 
On XX/XX/XXXX, I spoke with XXXX XXXX, from Chase Bank. She explained I currently owed for 6 payments. I explained that I was offered to have the payments put on the back end of the loan, she told me this was not an option and I was mis informed. I asked to have the taped conversation from XXXX sent to me, she explained I would need a Subpoena for that. I asked if she listened to the tape and confirmed that I was offered to have the payments put on the back end of the loan, would they honor that? She said, no, we would just coach that employee for further reference. 
I applied for a loan Modification on XX/XX/XXXX. On XX/XX/XXXX, I called and talked to my case manager, a XXXX XXXX. He said the paperwork was order and he would be in contact. He stated I was in the process of a loan modification. I instructed him that in no way did I want to lose my house or sell my house. 
On XX/XX/XXXX, I call Chase Bank to talk to XXXX XXXX, I am instructed that my case manager has been changed. I talk to my new case, XXXX XXXX, she explains that she works in the Liquidation Department. So from one day to the next, I am in the Liquidation department, which would mean I intend to sell or lose my house. I ask to talk to a manager.

I get a phone number for a manager. I speak to a XXXX XXXX. She explains that I am correct, that at first they did offer to put the payments on the back end of my loan. However after the time the offer was made, the investors decided to change the offer, and because I was not current on my loan, I was one payment behind, the offer would not be honored. She could not tell me why my case was in the Liquidation department. All she could say is I have to wait for the loan modification process, which takes 30-45 days. I asked what happens if I am not approved for a modification, she could not tell me. 
I am at risk to go in to foreclosure. If they go ahead and proceed with the filing for foreclosure, I will not be able to afford the additional charges for foreclosure and legal charges. 
If I am not approved for the modification, I have options to borrow the money to bring my payments current. I can not get any certain answer that they would allow me that option prior to filing for foreclosure. If they do process for foreclosure, I will not be able to afford the additional costs. 
I have a wife and XXXX small children, ages XXXX XXXX XXXX  I am not sleeping at night with the thought of losing our family house. 
I feel the actions taken and the offers made, then changing the offer, is both fraudulent and misleading. I am certain it goes against UDAAP laws. I am not able to get a straight answer from Chase Bank. I do not know what to do.