23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I never received any alert or bill via US mail, e-mail, or text from Bank of America stating that I had a balance of {$32.00} past due on my XXXX airlines credit card. Only when I noticed that my credit score had dropped due to a delinquent account did I investigate to determine that this credit card had a balance about which I had not been notified. 

I have paid the {$32.00} outstanding balance in full but would like for this delinquent account to be removed from my credit report as soon as possible due to Bank of America 's failure to contact me at any time or send a statement reflecting that charge, which I would have paid in full were it provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, Has violated my rights. 

15 USC 1681 Section 602 States I Have right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account an open end consumer credit plan as late for purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am distressed at the amount of time it is taking to get this resolved. I saw on my credit report that bankruptcies were showing on my credit report. So I wrote bankruptcy court to ask if they report this to the credit bureaus and they stated they do not. When I disputed this with the bureaus they stated that they verified the information. HOW IF BANKRUPTCIES DO NOT REPORT TO THE CREDIT BUREAUS. THIS IS A LIE AND A VIOLATION. I have attached all letters and certified letters sent to the courts and bureaus. I recently sent mail to lexis nexis as well telling them that they are in violation of my rights as well and sent letters to lexis nexis to fix this. Certified as well and was received by lexis nexis on XXXX XX/XX/2021.
Product: Credit reporting, credit repair services, or other personal consumer reports

I can not obtain online weekly electronic access to my EQUIFAX credit report thru annualcreditreport.com. The other 2 bureaus work just fine. I have already contacted EQUIFAX and they advise they can not do anything regarding the XXXX website and suspiciously redirect me to go to myequifax.com to sign up for 6 free copies of my EQUIFAX report. XXXX just redirects to each bureau 's security forms, so it should not be an issue with XXXX. Before I am given the " Online Delivery Unavailable '' error/load page, I am usually asked the Equifax security questions and most of the time none of the questions or answers apply to me, but the most recent time they all applied to me and I know I answered them 100 % correct, and still got the message that online delivery is unavailable.. I haven't received my free weekly Equifax credit report at all within 2 months even after calling Equifax twice and regardless I shouldn't have to receive only this bureau in the mail, I should be able to have the electronic weekly access as is offered. It is a WELL KNOWN ISSUE with loads of consumers and a theory is that EQUIFAX is preventing access, the CFPB need only XXXX this issue to find numerous complaints. Please demand this issue is fixed with either EQUIFAX or annualcreditreport.com, we as consumers should not have to transact extremely sensitive personal documents via MAIL.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX  Account number : XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXX - XXXX Filed/Reported XXXX XX/XX/XXXX XXXX : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Incorrect Employers XXXX XXXX XXXX XXXX - Incorrect Previous XXXX XXXX XXXX XXXX Incorrect Names XXXX XXXX XXXX Incorrect Names These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Money transfer, virtual currency, or money service

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding ongoing issues I have encountered with Bank of America, that have severely impacted my business. Over the past several years, I have made multiple attempts to cash checks legitimately written to me for business purposes at this institution. However, each time, the bank has refused to cash any check that bears my name. 

What is particularly troubling is that the bank has consistently refused to provide me with any explanation for their actions. Despite my repeated requests for clarification, I have not received any reasoning or justification for these refusals. 

The inability to cash these checks has caused significant disruption to my business operations and has adversely affected my reputation with clients and partners. The lack of transparency from the bank has made it impossible for me to address or rectify any potential issues, leaving me in a position where my business is unjustly hindered. 

I am seeking your assistance in investigating this matter and ensuring that the bank is held accountable for its actions. I also request that the bank be required to provide a clear and valid explanation for their refusal to cash these checks, so that I may take the necessary steps to resolve the issue. 

Thank you for your attention to this matter. I look forward to your guidance and support in resolving this issue. 

Sincerely, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA violations : inquires not mine XXXX XXXX., XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : payments never late XXXX Potentially negative Date opened XX/XX/XXXX Balance {$0.00} Status Open. 
XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance {$1900.00} Status Open. 
XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$64000.00} Status Open.
Product: Credit card or prepaid card

I am writing to file a complaint against Bank of America, which that has failed to comply with the Fair Credit Reporting Act ( FRCA ). Despite several disputes of this alleged debt, BOA continues to inaccurately report on my credit report and has not produced real evidence that the account belongs to me. I have been disputing this account with BOA for several years now, and they have failed to provide any concrete evidence that the debt belongs to me. Despite my repeated requests for proof of the debt, BOA has continued to report the account on my credit report, which has negatively impacted my credit score. 

This is a clear violation of the FRCA, and I am deeply concerned about the impact this is having on my financial well-being. We are not at the point that this alleged debt has aged out and should no longer appear on my credit report regardless. I urge you to investigate this matter and take appropriate action against BOA for its failure to comply with the FRCA. I also request that you ensure that BOA removes this account from my credit report and takes steps to correct any inaccurate information they have reported. Thank you for your attention to this matter.
Product: Debt collection

The XXXX XXXX XXXX  was already found to have illegally used my XXXX XXXX card account in ways not authorised and for work not completed ( roughly $ XXXX ). 
When I contested the charge with XXXX XXXX, they found in my favour and reversed the charges after I submitted an FTC complaint against them. ( Initially, their customer service was awful and could not follow the simple logic in understanding my first sentence, above. ) Once the FTC complaint was resolved, and XXXX XXXX refunded my money that the XXXX had illegally charged, I received ( almost a year later ) a collection notice that the XXXX - not XXXX XXXX - was trying to recover some of the funds. 
The letter states that they are collecting a delinquent obligation - which is wholly untrue in every way. It also states that they will be posting this to my credit report - which is completely unfair. 
I have had to have a lot of work done, including XXXX XXXX, to undo damage done by this XXXX and his [ at the time ] UNLICENSED XXXX. 
Attached is the letter from the collection company, and please note the XXXX XXXX case that I referenced : XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company accused me of using a third party to submit my dispute/discrepancies with their reporting practices. I do believe it is my right to use a third party to represent me of which I didn't in this instance. Its a stall tactic to deter me from disputing this erroneous account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive sent two letters prior to ALL 3 credit bureaus in regards to fraudulent accounts on my credit that I've been working to get removed and have yet to get any result sufficient for this situation. 

I would like for the reporting agencies to please investigate and remove also Update my credit report. 

The issue is that fraud should not be allowed but even more once the fraud is noticed and I've requested that these matters be investigated the bureaus are not taking the diligent approach as they did when they reported and allowed the fraud to be there. 

these are the current reporting accounts that are fraudulent and I would like removed : XXXX XX/XX/XXXX : XXXX XXXX XXXX  : XXXX XXXX XXXXXX/XX/XXXX : XXXX XX/XX/XXXX XXXX XXXX XXXX ACCOUNT # XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX : XXXXXXXX XXXX XXXXXXXX : XXXX XXXX XXXX XX/XX/XXXX : XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

So the picture below will show that XXXX tried to collect on the account after they had closed the account and written it off. Also after I sent them a cease and desist letter they they sold it to the new creditor. How can they collect on a closed account that they sold isnt that fraudulent for double collecting especially an account they no longer own. So the XXXX account was closed XXXX of XXXX and they tried to collect payment on XX/XX/2022. They sold it XXXX XXXX years after the account was closed. After I had sent them a cease and desist letter on XX/XX/2022. Not only that but the origial loan was for XXXX dollars and I am trying to be collected for almost XXXX that is completely incorrect. The original owner of the account did not honor their warranty either on this mattress that I had purchased.
Product: Debt collection

The CCS Collection Agency has a debt of {$520.00} on my credit report. I have not been properly verified that it belongs to me. I have sent them a pay to delete letter on XX/XX/22. I have not heard back from them. At the time i didnt know if the debt doesn't belong to me then i don't have to pay. Now knowing this information i no longer want to negotiate until the debt is verified.
Product: Checking or savings account

On XXXX my tax return was deposited into cash app, I went to send to my husband and they locked my account, according to them for 48 hours, I have reached out to support countless times for them to tell me they have no information it's now been almost 4 days. I have had no money thanks to this and they had ruined mine ans my kids vacation. I have tried reaching out on XXXX messenger as well and they told me 3 times they sent me a email they never sent me. The day of my deposit I swapped from XXXX to XXXX I do not know if it flagged me for using a different device but ifthdy would have asked I would have said that. This is totally crazy. All I want is my tax money that's locked and to never use this app again. No one should be worried and have to walk on eggshells over an app.
Product: Credit reporting, credit repair services, or other personal consumer reports

I entered into a Forbearance Plan with XXXX XXXX XXXX, effective XX/XX/XXXX through XX/XX/XXXX. The agreement states, " If your loan was current at the time of entering into this Forbearance Plan, then each month you are in the Forbearance Plan, we will report the status of the account to the credit reporting agencies as current. If, however, your loan was delinquent prior to entering into the Forbearance Plan, we will maintain that delinquency status during the term of the Forbearance Plan. If you are able to bring the loan current during the Forbearance Plan, we will report the account as current. '' When I entered the plan, the account was not delinquent. I made the XX/XX/XXXX payment on XX/XX/XXXX ( which was 29 days late, but not yet 30 days late ). A late charge was assessed to my account on XX/XX/XXXX, as the payment was not received between XX/XX/XXXX and XX/XX/XXXX. Therefore, I entered into the Forbearance Plan with my account in good standing. I continued to make payments while under the Forbearance Plan in both XXXX and XX/XX/XXXX ( on XX/XX/XXXX and XX/XX/XXXX respectively ). I did not make payments in XXXX, XXXX, or XXXX of XXXX ( as allowed under the Forbearance Plan ) and according to the rules of the Forbearance Plan, these missed payments are not to be reported to the credit reporting agencies. I completed the sale of the property for which this mortgage was secured on XX/XX/XXXX. XXXX XXXX XXXX received the total payoff of the loan including the outstanding balance, the missed payments for XXXX of XXXX, and all the late charges due on the account. This payment was made within the Forbearance Plan term, and according to the rules of the Forbearance Plan, bought the account current and requires XXXX to report the account as current to the credit reporting agencies. 
In fact, XXXX issued a {$220.00} refund check back to me on XX/XX/XXXX due to overpayment of escrow on this account. However, in violation of the terms of the Forbearance Plan and the federal CARES Act, XXXX  XXXX XXXX reported this account as paid, but 90 days late to Transunion. I demand that XXXX XXXX XXXX correct this information immediately, as this account was paid in full during, and according to the terms of the Forbearance Plan. This is a malicious attempt on behalf of this company to harm me personally as a consumer and violates my rights under the Consumer Financial Protection Act. I have attached documentation supporting my account above, to validate the veracity of my claim.
Product: Checking or savings account

Someone has filed unemployment as me. I have received a notice from the state about the account I never filed for. Now I have received a reliacard through US Bank for unemployment funds to be deposited to and used as a debit card. I did not file for unemployment nor being issued a debit card. When I call US Bank to let them know about the fraudulent account being opened and the debit card issued based on this, the account number sent on the card no longer works either. I want everything closed having to do with the account being used in my name to issue these reliacard debit cards.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XX/XX/XXXX TransUnion XXXX CARD XX/XX/XXXX -XXXX XX/XX/XXXX -XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX -XXXX XXXX XX/XX/XXXX -XXXX  XX/XX/XXXX -XXXX CARD XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX  XXXX XXXX  XX/XX/XXXX -XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX -XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX NEGATIVE ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A . States 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 an account without my written instructions.
Product: Money transfer, virtual currency, or money service

On XXXX XXXX began emailing person about her moving in with me XXXX and originally gave me a SD address. We emailed daily and I trusted this person due to the emails we exchanged. She told me she was a yoga instructor and had been accepted to go to a yoga seminar in XXXX XXXX, XXXX. I looked this up online and there was a XXXX XXXX XXXX there until XXXX XXXX. We emailed daily while she was in XXXX and said she did not get international calling on her new phone. She was to send me a check to cover the 1st months rent and enough to pay movers since she was flying into XXXX when the seminar was over. I received the check and deposited it in my savings at BOA on the XXXX of XXXX.at the bank with a teller. I told her I wanted to make sure it was a good check. It showed pending until XXXX of XXXX.then turned to a credit. She emailed around XXXX and asked me to take {$600.00} rent out ad send her the rest XXXX to XXXX since she would have to get new movers and pay them herself. I transferred {$2300.00} from my savings to checking and went to XXXX to send the money to XXXX. My debit card accepted the transaction and the money was sent. Later that evening I was emailed by my bank I had a negative in my savings due to the check being fraudulant. BOA told me there was nothing they could do and it left my account in a negative as well as taking {$740.00} I already had in my savings.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted to send letter to all three credit bureaus ( XXXX, experian, XXXX ) with no solution. These letters was first sent to the bureaus on XX/XX/2019 with only a response from XXXX that I should contact the creditors, which I did at the same time as the bureaus. XXXX and Experian provided no response and no deletion for the unauthorized inquiries. On XX/XX/2019 certified letter was mailed out again to the bureaus ( experian, XXXX and experian ) for the same inquiries and I also mailed letters to each creditor that sent those unauthorized inquires.
Product: Checking or savings account

1 ) Wells Fargo bank keep denying my claims of {$30000.00} over 6mo. without any research and consultation with me. Bank stopped sending me paper statements since XXXX and each mo. every time when I go to deposit at the bank tellers and officers all said call customer service. They said my account is online and paper so nothing they can do. I had been treated so badly past years XXXX, XXXX and XXXX. WF said no record of my claims but this is not true. 

2 ) XXXX XXXX  who cashed asked me to tell WF bank to submit complain to XXXX XXXX  by SP branch manager and legal dept at XXXX XXXX. Nothing they can do without WF bank starts to negotiate with them. I requested this many times to XXXX in the past. 

3 ) FBI L.A. branch manager and XXXX XXXX XXXX  managers from 2 branch, XXXX  XXXX XXXX legal dept all told me WF bank should give me credit $ XXXX within 10 days of claim and balance within 40days. Not rejecting customer with 30days clause of deposit agreement. I had never received this agreement. I was told to sign only a machine and never got copy and I didn't see any information attached to when I opened new account.These bank definately will reimburse to my case after they researched.They told me this fraud to be reimbursed by different law and customers are protected since XXXX. 


4 ) I recently received a copy of signature card/sheet and surprised some info is outdated and I will check before I signed it if I was shown. This is very bad practice. 

5 ) WF bank opened new account without my signatures and info at all on XX/XX/XXXX. 
They requested and demanded a mo later with all my personal info. ( Drivers license #, social security full number, my mothers maiden name and address with my account #. ) so as my son 's info. This was shocked. 

6 ) Even I walked in the branch, no one will help me without an appoint except tellers. 
Even I am inside of the office the tellers and manager told me to call for an appt. 

7 ) Knowledge of employees at the branch and claims dept, executive offices all of them are not so knowledgeable and everyone answered different. Very low level at all dept.
Product: Credit reporting or other personal consumer reports

An a XXXX credit line was opened fraudulently in my name in XXXX of XXXX They used my phone number and personal info to do so. In XXXX of XXXX when I discovered the fraud I called XXXX to report the fraud and was advised to close the account during their investigation and to make the monthly payments in the interim. I did not hear back from XXXX for months and when I called back to check in I find that not investigation was started so I file XXXX again. The results of the investigation were that since I made payments to the account ( under their advisement ) that that was enough proof to deny my fraud investigation to have the debt erased. My XXXX account was completely deleted so I didnt have any access to the XXXX XXXX account to get updates and handle things. When I tried to resolve it again they were extremely unprofessional and unhelpful that even if XXXX of their employees advised me wrongly that that is not on them and doesnt reflect in their records. So not only are they trying to put the fraudulent debt on me but also dismissing all of the payments I already made to the account. This is completely unethical and manipulative.
Product: Credit reporting, credit repair services, or other personal consumer reports

Creditor advises account was reported to credit bureaus as of XX/XX/XXXX. However based on the conversations i've had with XXXX, XXXX  and XXXX, account never reported to any credit bureaus. 

On XX/XX/XXXX I contacted BMW Financial Services and spoke to Senior Account Specialist XXXX XXXX. Specialist advised account was reported to bureaus and was the responsibility of the credit bureaus to report account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted a dispute with transunion via certified mail ( XXXX ) which was received on XX/XX/2023 by XXXX XXXX XXXX To this day, it has been 49 days and i still have not received any updates, results or anything from Transunion. My dispute involved fraudulent accounts as well as addresses and inquiries that i have not made nor have i made any transactions. I take my credit and privacy seriously especially during these times when the Credit bureaus are the ones having Data Breaches. 

I have enclosed copies of the certified mail receipt as well as the original dispute letter. Transunion has now proved to me that these inaccurate items on my credit report are unverifiable because they would of responded as verified. 
Transunion is the only company not to respond which is unacceptable.