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

Dear CFBP, I have a saving account and a checking account with Bank of America. Over the last year they were charging me a monthly fee, without me noticing, despite the fact that their website advertises a combined balance of XXXX is enough to avoid fees. I maintained more than XXXX in the combined accounts for the whole year. 
I am an XXXX  woman with very little XXXX knowledge ( my son is helping me with filing this complaint ). 
When my son called them, they brought some obscure reason why they did not waive my monthly fee. 
I hope you can stop this predatory behavior by bank of america. 
If you search the conditions for avoiding maintenance fee on their website, they give a XXXX $ balance as enough money for avoiding the fees. 
Bank of America is targeting low income people who have very little worth and slap them with these predatory fees. I hope you can help me and others who lose money to this unfair practice and recover my losses. 
Best, XXXX XXXX XXXX.
Product: Debt collection

Had no idea I owed the Debt Collection Company any money for an apartment that I rented. When I moved from the apartment I owed no money to the apartment complex. Balance of {$830.00}. The apartment company attempted to collect money of which I do not owe, never presented me with a full break sheet showing me why i owe the amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a human living being. I have rights under 15 USC 1681 Equifax is govern by USC 1681. And they violated my rights numerous of times. I demand the account listed be remove because.

According to USC 1681 : I have the right to privacy and i di not give Equifax written permission to furnish these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

After being unable to obtains my Transunion credit score from their website, without paying to enroll in a monthly subscription, I asked for my free annual report on the phone. They Sent me my credit report on XX/XX/year> but it states on the report that to get my Credit score I must pay {$9.00}. Their website is very deceptive and difficult to navigate, without paying for a monthly service. I have tried several times to get my credit score from them and have been unable. 

It was an easy able to get my score from XXXX and XXXX. 

My XXXX credit card uses Transunion and posts my supposed credit score which is XXXX to XXXX points lower than XXXX and XXXX on their website. 

Please advise what I need to do to get my credit score from Transunion.
Product: Credit reporting or other personal consumer reports

On XX/XX/23 I wrote Experian to investigate unknown hard inquiries on my credit report. I never received a response back but need those hard inquiries investigated and removed because I did not give permission to any of those companies appearing on my credit report to check my credit score.
Product: Consumer Loan

The short and sweet is this. 
I went to XXXX XXXX for a car. 
They told me that because i had no credit, that they werey only option. They even required me to have a cosigner. 
I was sold a 2006 ford Taurus with a bluebook value of XXXX for a total of XXXX was not fully informed of all of the details of the loan. I was rushed through the signing of the paperwork. 
I was duped. The car is not worth nearly what they charged for it. 
It is usery clear and simple. They practice preditory lending. Anyone can look at any situation from XXXX and see this. 
They are unprofessional and just bad people.
Product: Credit reporting, credit repair services, or other personal consumer reports

i sent out disputes to the credit bureaus about account that are being reported on my creditthat were not authorized by me. I lost my wallet a couple of years ago which contained myid and social i believe i have been a victim of identity theft. I have filed an ftc report todocument this and would like you to help me resolve this matter.
Product: Checking or savings account

On XX/XX/2023 I walked into my local CITIBANK branch located on XXXX s. XXXX with a cashier check in the amount of {$15000.00}. XXXX XXXX was the banker who assisted me in opening my new account. I told XXXX XXXX about the issue Ive been having with another bank that why the money was issued to me in a cashiers check. I had recently closed an account with XXXX BANK and wanted to start an account with CITIBANK. XXXX XXXX assured me that he was going to take care of me and everything was going to go smoothly. I gave XXXX XXXX my information plus my check he came back with a receipt and told me my card was coming in the mail by XXXX  the next day and o would be able to come into the bank the following day which was XX/XX/2023. The next day I came back to the same branch to try to retrieve funds from my account and the bank teller says that there was an hold on my account and the check I received from XXXX XXXX wasnt real. I immediately became suspicious and upset. The XXXX at that branch was very rude and disrespectful. As I was trying to contact XXXX bank on my cell phone to assure the XXXX at Citibank that the cashier check was legitimate he pursues to call the police on me and told the police officers to remove me from the premises and I was no longer able to return. As I was still on the phone with XXXX they told me just come to their branch the next day and they would cancel the cashier check and issue me another one. Today XX/XX/2023 I went to the XXXX XXXX  on XXXX XXXX XXXX who initially gave me the cashier check and they informed me that CITIBANK had cashed my cashier check and that they had my money. I proceeded to call CITIBANK while still in XXXX the customer service agent told me I had to go back to the branch where I started my account with. So I proceeded to the CITIBANK branch on XXXX XXXX and as soon as I walked in th XXXX proceeded to call the police on me. Now CITIBANK say they put a hold on my check.
Product: Checking or savings account

I have a pair of CDs issued by XXXX XXXX XXXX, XXXX. - Pennsylvania in XXXX and both reach maturity in XXXX with a combined value of {$6400.00}. 

https : XXXX shows the acquisition of XXXX XXXX XXXX  XXXX XXXX. ending with Well Fargo Bank. 

Wells Fargo had me speak to at least six representatives in succession resulting in a case ID & case manager to find these CDs in their database. It took asking for a manager in all conversations that led up to a case being assigned. 

The Wells Fargo contact that handled the case only communicates by phone or by fax. No Email! 

After providing an image of the CDs and speaking with the rep at Wells Fargo I was told they reached a dead end. 

Worth noting, these CDs were purchased by my father and have been in an envelope from XXXX XXXX XXXX, XXXX. since the day they were purcahsed. This envelope is bank stationary from XXXX XXXX XXXX, XXXX. - Pennsylvania at XXXX XXXX XXXX XXXX, XXXX, PA - - - and Wells Fargo Currently operates a branch at this same address. 

My brother and I a equal co-executors for my parents estate and can provide death certificates as well as a State/County " short form '' proving their in no dispute of our parents will. We can provide additional documentation as required.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Equifax about some incorrect, inaccurate, and fraudalent data on my credit report and the collection companies that are reporting the data and asked them for validatity of the debt which is required by federal law ( FCRA ). The collection agency did n't provide me with any information and it 's been over 30 days and I petitioned Equifax to delete the collection accounts and have n't gotten any justice! I want this well documented with the CFPB so when I proceed to file a civil lawsuit my greivances are documented that I went through the proper channels and I 've tried to settle this before proceeding any legal action. If the collection agency ca n't provide me with documentation, how are they proving anything to Equifax.
Product: Credit reporting or other personal consumer reports

US bank is reporting my account closed due to fraud but it was assured to me by the bank XXXX that this was not the case and it was closed without cause. This is reporting incorrectly with XXXX  and XXXX XXXX. I would like this taken off of all reports and deleted immediately.
Product: Credit reporting or other personal consumer reports

Statement of Fact : XXXX found that the purpose of the Fair Credit Reporting Act ( FCRA ) is to require that consumer reporting agencies ( e.g. XXXX, XXXX and XXXX ) adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance and other information in a manner which is fair and equitable to the consumer. 




XXXX Facts : XXXX is aware and has proof in the attachment labeled as Exhibit B. 

LOANCARE LLC Account number # XXXX in violation of several laws in regard to how they are reporting and are stated as follows : 15USC1681-A 15USC1681s-2 15USC1681a 2 ( A ) ( i ) The inaccurate reporting of both my account status and payment status by LOANCARE XXXX Account number # XXXX XXXX causing harm to my credit reputation and financial standing. 

All items listed in Exhibit B are invalid, inaccurate, not timely and carry no documented evidence, it is damaging to my character, creditworthiness and well being by falsely stating those non compliant unverifiable accounts on my report.
Product: Credit reporting or other personal consumer reports

Hi, This is regarding my XXXX  auto lease # XXXX. Back in XX/XX/year> a auto monthly payment didnt go through from my husbands XXXX accounts. While I attempted to replace the pay account XXXX made all sorts of issues and didnt allow me to add an account to pay for severel weeks thus resulting in the late paymnet. They also would not take payment over the phone. So i tried setting up another pay account, First they said that inorder to use my husbands account I needed to be a signor. Then they said that my name must be on the account listed and that a signor is not good enough. They said you can be added as a signor on a business account, then said the same thing that my name would need to be listed on a statment. All the while I cautined that If they dont give me an alternative I will be reported late. XXXX said that there was nothing worry and the account was still in good status. I was notified this week that a late payment is showing and am deeply disturbed by this. I called XXXX but they said there was nothing they can do about it. 

I appreciate your
Product: Vehicle loan or lease

The XXXX  ( XXXX ) company calls me repeatedly XXXX times to remind me of payment and then if Im late XXXX day, get aggressive on the phone with me. XXXX and treat you like garbage. I stopped answering the calls now. Find new numbers to call and text me from. Im annoyed and feel harassed. They threaten to repo the vehicle. Feel like they target people with bad credit and then trap them with no way out.
Product: Credit reporting or other personal consumer reports

The FCRA mandates that credit reporting agencies maintain accurate and up-to-date information. Specifically, under 15 U.S.C. 1681i ( a ), I have the right to dispute any inaccurate or incomplete information on my credit report and expect it to be corrected or removed after a reasonable investigation. My address is XXXX XXXX XXXX, XXXX, CT XXXX have not lived in any of the following addresses in over 10 years and some of these addresses I do not recognize. 

Addresses : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The addresses and phone numbers listed above are no longer associated with me and are not relevant to my current credit profile. 
I have already sent a copy of my government-issued ID and proof of my current address for your reference.
Product: Credit reporting or other personal consumer reports

Delete late payments I have read my credit report and I see an inaccurate and unlawful account. It has several late payments which are erroneous. The information listed is not aligned whit the other bureaus. This is a big violation of FCRA, please verify these late payments that you claim I did commit. SEND ME documents such as contracts, billing statements, signed agreements and the representatives you spoke whit who verified it WITH AN affidavit. If the requested documents are not met. Please remove these erroneous and unlawful late payments on my payment history like XXXX did. 

I DID MY RESEARCH AND HERE ARE THE LAWS YOU ARE VIOLATING : 15 U.S. Code ss 1681e ( b ), it's crucial that consumer reporting agencies take reasonable steps to ensure the highest possible accuracy of the information concerning an individual in their reports.

15 U.S. Code ss 1681 e ( b ), it is stated that when a consumer reporting agency prepares a consumer report, it must follow reasonable procedures to ensure the highest possible accuracy of the information concerning the individual.

I am fully aware the under 15 U.S. Code ss 1681i ( 5 ), it is stipulated that if, after a reinvestigation, any disputed information is found to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must promptly delete or modify that information accordingly and notify the information furnisher of the changes.

15 U.S. Code 1681s-2, specifically, the Responsibilities of furnishers of information to consumer reporting agencies, it is noted that within 30 days, you did not properly indicate that this account was under dispute, thereby resulting in a violation of this provision.

15 U.S. Code 1682n ( b ) civil liability of a natural person I've been violated. 
My disputes are detailed and directly related to the accounts in question. A template response WILL NOT BE acceptable response. If, within 15 days after your investigation, you are unable to provide me with verifiable proof, you are obligated to remove erroneous and unlawful late payments on my payment history. Listed below These account should not reflect as negative : XXXX. XXXX XXXX # XXXX YOU ARE NOT reporting 100 % correctly. You are violating FCRA. DELETE the late payments on my payment history ASAP. 

SEE PICTURES UPLOADED
Product: Credit card

I have been with Barclay credit card since XXXX, and my credit limit was initially {$50000.00}. However, in XX/XX/XXXX, they reduced my credit limit to {$5000.00} because I hadn't been using the card as much. I explained to them that I need this credit limit for potential hospital emergencies. 
Additionally, Barclay ran my credit multiple times over the past year, not just for a free credit line increase.

This reduction in my credit limit is negatively impacting my credit score. 
Is it legal for a credit card company to lower the credit limit when the account is in good standing?
Product: Credit reporting or other personal consumer reports

I have INQUIRIES passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Ive had a Capitol One Credit Card since XXXX, in XXXX the interest rate shot up, I requested to have it lowered so I could pay it off. 
I always paid on time, and made minimum payments, then doubled up on payments in XXXX. I had to move under duress and lost my job by XX/XX/XXXX. I have not been able to pay the minimum amount plus interest and late fees. 
I have called multiple times to request a settlement, assistance, and even attempted to enroll in less than optimal programs ( multiple ) to no avail. Ive applied to other Credit cards to transfer the balance and pay it off sooner but Capital One never allowed my credit to recover from this one credit card.

My ex works for Capital One and I believe they are punishing me for leaving that XXXX XXXX marriage with their long time employee.
Product: Payday loan, title loan, or personal loan

I have contacted Mainer Finance several times via phone and sent in multiple disputes. Mainer finance failed to respond via phone or via mail. they have 2 line of credit on my credit report. they have that I opened a pay day loan on XX/XX/2018 for {$950.00} and XX/XX/2018 for XXXX this is incorrect and only opened 1 line of credit not 2. All 3 balances are in correct as well and all 3 reporting agncies should not have 3 different balances. this account has many inconsistences
Product: Credit reporting, credit repair services, or other personal consumer reports

I had less than XXXX $ unreported debt from my Credit Card with Chase last XXXX. I am stationed overseas so I wasn't aware of this debt since I know I settled my balance before leaving the country. I only found it out last XXXX since I notice the huge impact on my credit score ( went down from XXXX to XXXX XXXX. My wife went to the bank and the banker assisted her on refunding and waiving the Late Payment Fee because I am an XXXX XXXX Military. The banker also told her that my credit will be go back up in few weeks but it's not changing. Right now, we can't follow up with the bank because they close due to COVID19 so I called and they said I need to contact the Credit Bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a hard inquiry on my transunion credit report that is from XXXX from XX/XX/2018. I have not applied for anything through XXXX  and I need it removed from my credit report. I tried getting it off through XXXX  but it does not exist.
Product: Debt collection

After borrowing the money, two days later they sent the check to my bank, I tried talking to them of their mistake, they ignored me and my account was closed due to this problem. 
in the end I lost money, after I started receiving phone calls like crazy I asked them to stop but they didn't. long story short this eventually ended up on my credit report as a debt not paid.
Product: Credit card or prepaid card

XX/XX/XXXX I seen a XXXX ad that said apply for a secured card with no hard credit inquiry I fill it out then it directed me to the application then I get denied and a hard inquiry on my credit I called an ask what happen they said I did a application I told them I filled out the one for soft inquiries and it directed me to the application process so I was thinking I got approved but they said theres nothing they can do about removing the inquiry
Product: Credit card

I asked synchrony bank/amazon card to remove the late charges applied to my account XXXXXXXX XXXX, because they are involuntary, for some reason there mightve been a error from my bank system rejecting automatic payments but i didnt request at any point in time for stop payments to synchrony amazon my bank advised over the phone to request an investigation in writing, I believe Synchrony didnt perform such investigation I also have automatic payment to synchrony PayPal and I NEVER had the same issue, synchrony refuses to remove late fees, that were applied under involuntary circumstances, instead their employee called me a liar on the phone, I would accept the late fees if I had requested stop payments to Amazon card, I never did put stop payment therefore, I refuse to pay any fees generated by systems errors, again those are involuntary errors. Synchrony bank should have better protection to consumers because at this point they are assuming by denying the fee reversal that I am at fault for the systems failures in the banking system, it should be illegal for a bank to make the CONSUMER liable for legitimate banking transactions errors in their systems, and choose to close accounts, harass and stressfully blame consumers without any thorough investigation and understanding of the facts and practices behind their decisions, when those consumers are at no fault, Im kindly requesting for the reversal of late fees on my account.
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or REMOVAL of the following erroneous information on my credit report : 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 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit card opened ( Vervant PCB ) since XX/XX/XXXX and every month I make my payments on time but on my Experian credit report it show my account but says " No payment has been reported to this account ''. Also I'm unable to see my resolved disputes as well! I've spoken to the dispute department 3 weeks ago and was told that my credit card payments are being reported every month and I also get email alerts that tell me my disputes are ready but this wasn't their issue I had to speak with the membership department to file a case for technical issues. 
I spoke to the membership department and filed 2 cases for both issues # XXXX & # XXXX which these issues were supposed to be resolved and fixed within 72 hours. It's almost a month and Experian still won't fix my issue. I spoke to several supervisors and was promised this would be fixed! The last supervisor I spoke to was extremely nasty and refused to help me her name is XXXX on XX/XX/XXXX. I asked for a refund because I pay a membership fee every month of {$24.00} and I expressed how important it was for me to have accurate information because i pay a credit repair company every month to help repair my credit and this is getting in the way of my progress. My credit repair specialist was disputing XXXX  XXXX credit card for months thinking the consumer wasn't reporting my account when the whole time it's a Experian issue. Can you please help me?
Product: Credit reporting

This call was regarding the issue back in XXXX when I found out that Transunion had a glitch in there system that deleted all inquiries. By law they are suppose to notify customers about reinserting information on there reports and to date I have not received any notification. I call to ask to have my inquiries removed and they were giving me the XXXX degree and I still was n't successful.