23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Bank of America mistakenly stopped the automatic payments that paid off the balance of my credit card every month in XXXX of 2023 without my knowledge or consent. This caused me to be late through no fault of my own. They submitted false reports to the credit bureaus but never told me that my automatic payments had been stopped or that I was late until I got a letter in the mail dated XX/XX/2023. In the meantime, I got routine monthly emails telling me that my statement was available online but they said nothing about my being late or that my automatic payments had stopped or that they had already destroyed my nearly perfect credit score. 

I sent four letters to Bank of America and started disputes with and sent the attached documentation to all three credit bureaus in XXXX of 2023. Ive done everything possible to make Bank of America correct the record and restore my credit line but they have been completely unresponsive. They refuse to take responsibility for their unwarranted actions that damaged my credit and caused me great harm. When you read the attached letters, youll understand why Im submitting a complaint against them.
Product: Debt collection

I got a report on my credit saying my gym membership was sent to collections for not paying this is not the case I paid every monthly bill until my contract was up in XXXX of 2024 I stopped paying after that due to me having no longer being under contract when I did not renew it the so called debt was sent to a first credit services and after reading the reviews the company is a scam that will collect the debt and force more to be paid or more debt will be added which is not correct
Product: Consumer Loan

I leased a car from drive time in XXXX of 2014, and I never missed a payment. I have it automatically taken out of my checking acct. We 'll on XXXX XXXX they only taken XXXX dollars out when they should have taken XXXX ... They stated that since my acct was old that they system kicks the acct number out ... I then called them backed and gave them my cc number and my debit card number when I spoke to an rep he stated that it did n't go through, but that 's a lie because money was on XXXX. They repo my car and now I 'm paying over XXXX dollars extra which to me not right they should make for the towing as it was there mistake.
Product: Credit reporting, credit repair services, or other personal consumer reports

Per Equifax data breech they have advised me that I am a victim of stolen vital data, and from that Equifax allowed all of my personal financial and credit history including my date of birth and social security numbers and all personal credit information banking, credit cards, loans and mortgage information that was provided to secure credit to be compromised and information was stolen from their agency causing me a lifetime possibility of identity fraud. I have currently put a freeze from any third party Lifted credit history, so long as thieves do not crash into these agencies database once again and unlock my freeze. They need to protect myself and others for life from potential identity theft, and not through their complaint but instead through XXXX and XXXX best service that they can provide!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to the bureaus about the numerous violations that have been furnished on my consumers report. The bureaus are using unlawful tactics to obtain my private information. My consumer rights have been violated an the credit bureaus need to be handle accountable
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information was stolen in XXXX, since then Ive been seeing unauthorized inquiries and accounts. Ive attached a police report pertaining to the incident. In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX XXXX has violated my consumer rights by reporting fraudulent information across my XXXX, XXXX and Equifax consumer credit bureaus. I would like the following fraudulent accounts and inquiries removed from my credit report immediately. 

XXXX XXXX XXXX Account number : XXXX XX/XX/XXXX XXXX XXXX : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX US SM BUS ADMIN ODA Inquiry XXXX XX/XX/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 handwritten instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am having issues with missing information on my credit report. I have a XXXX XXXX account # XXXX EXP XX/XX/22 that should be reporting for {$4500.00}. My name and address is XXXX XXXX, XXXX XXXX XXXX XXXXXXXX FL XXXX. 
SS XXXX, DOB XXXX. My account is not show on m credit report and it should be.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I have recently reviewed my credit reports and noticed you are claiming that a late payment has been made on my account. I do not remember ever being late with a payment on this account. 

I had on-going issues with the company drafted my payments from my checking account instead of my saving account, which enabled me from making online payments. I have called the company several times after noticing returned payments from my checking account. 

I truly believe that it doesn't reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give adjustment to remove the late payment. Thank you for your consideration, and I hope you'll approve my request Sincerely, XXXX XXXX
Product: Mortgage

In XXXXXXXX XXXX, I moved my homeowners insurance from XXXX XXXX XXXX XXXX XXXX. Flagstar Bank, my mortgage company, sent the payment of {$2700.00} from my escrow account to XXXX XXXX instead of XXXX XXXX. In late XXXX or early XXXX, I received notice from XXXX that my insurance premium had not been paid. In order to keep my insurance in effect, I made the {$2700.00} payment from my personal account. After working with Flagstar for 1 1/2 months, I have still not received a refund of the money they owe me. 

I have attached a document outlining the steps I've taken and conversations I have had with Flagstar.
Product: Credit card or prepaid card

Wells Fargo closed my credit card account a month ago with no forewarning while it had a negative credit balance of {$54000.00}. They have since sent me a check for only {$1800.00}, while the remaining balance is still missing. The bank claims to have refunded that money to a separate bill payment company, whom I have called, and they have told me they have no record of the money being received. Wells Fargo has not provided any reference numbers for me to track down this money or determine how to find the money. 

According to 12 CFR 1026.11 ( a ) ( 2 ) - ( 3 ), the bank is required to refund a negative balance within 7 days of my request, and only by " cash, check, or money order, or credit to a deposit account of the consumer ''. None of these methods of refund were utilized by Wells Fargo. Additionally, I have requested this money be returned for a month now and the bank has not made a good faith effort to return the money to me within the timeframe listed in the statute. I have left voicemails, sent emails, and sent letters via USPS mail all to no avail.
Product: Credit reporting or other personal consumer reports

MUST BE REVIEWED BY A HUMAN XXXX XXXX XXXX CEASE AND DESIST OF REPORTING UNAUTHORIZED ACCTS CEASE AND DESIST OF IDENTITY THEFT FRAUD CEASE AND DESIST OF VIOLATION OF 1974 PRVACY ACT CEASE AND DESIST OF VIOLATION THE GRAMM-LEACH-BLILEY ACT 18 USC 214 ,18 USC 1348, [ GAAP ] VIOLATION, 18 USC 1028 USC1681G USC 1681s2, 18 USC 1961-1968 RICO, 1681AB2, HJR 192 1933 GAAP DELETE IMMEDIATELY
Product: Mortgage

I had previously worked with Loan Depot earlier in the year to refinance my property. In the end I decided to hold off on doing the refi due to the pandemic & economy. On XX/XX/2020 I decided to get quotes again to start the refinance process. Their website prompted me to submit an application and asked me a number of questions about the property as well as other PII data including a section to enter my banking credentials to pull my bank account balance information. Upon completion, I got an email saying that someone would be reaching out. 

On Monday XXXX/XXXX/2020, I received a call and the agent inquired about the number of floors in my condo 's building. When I told the agent it was a high-rise, I was informed that Loan Depot does not provide refinancing services for high-rise buildings. They made me provide my PII, pulled my credit report as well as my XXXX XXXX  account balance info only decline my application due to the buildings height, even though I had answered a question about height of the building during the application process. 

If they no longer provide refi services for high-rise buildings then the application process shouldve immediately halted before pulling my credit and collecting my personal information. After ending the call with the initial agent, I contacted customer service and spoke to a CS agent and was told that there is nothing they can do. If I want to erase the credit report pull, I need to call the credit bureaus on my own and dispute it myself.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN, XXXX AND XXXX HAS AN ACCOUNT ON MY CREDIT REPORT THATS NOT MINE.. 

ACCOUNT : XXXX XXXX XXXX NOT MINE
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. The account I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove : XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/2015 Balance : {$17000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, Im living human being, I have rights under 15USC 1681 XXXX is govern by 15 USC 1681. And they violated my right numerous of times. I demand the accounts listed be romove because According to the 15 USC 1681 I have the right of privacy and I did not give XXXX written permission to furnish these accounts..my Hippa rights been violated also collection angency has to much information about my medical situations also my name was in the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I was contacted by SIMMS associates about a debt that I do not owe nor do I believe is mine. 
The debt collector is : SIMMS Associates, INC XXXX XXXX XXXX XXXX XXXX, DE XXXX I was contacted on XX/XX/XXXX regarding the matter, and I have asked them to fabricate proof that I do owe this debt or any sort of evidence that I could have taken out a loan. I called again on XX/XX/XXXX regarding the matter because I was not sent anything, just a letter saying who the creditor is. On XX/XX/XXXX, I called again regarding evidence of this debt owed, and they keep saying that they don't have it yet and that sorry it is taking a long time. All of these calls are monitored and recorded, so they are able to pull these voice calls for evidence. This seems like a scam because I do not owe anything to collections, nor do I have any student loans aside from 2 federal student loans which I am aware of.
Product: Credit reporting or other personal consumer reports

I am writing to notify you that I am a victim of a data breach, and I request that the following accounts and inquiries be blocked and deleted from my credit report in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). These accounts and inquiries are a result of fraudulent activity, and I am requesting their immediate removal from my credit file. 
Accounts to be blocked and deleted : 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 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 or other personal consumer reports

I sent a letter on XX/XX/XXXX to remove the items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any items or information not later than 4 business days. Ive already included this in my previous Complaint # & I am including it again., 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
Product: Credit card or prepaid card

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Chase Card Services I. The consumer and natural person, was denied credit by Chase Card Services when I applied for CHASE FREEDOM VISA PLATINUM ACCOUNT. 

Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S.C 1691c and is pursuant to civil liability under 15 U.S.C 1692k. 

You are subject to criminally liability for violating 15 U.S.C 1691 as I have proof that i was discriminated against by Chase Card Services due to the response I received.

Chase Card Services is in violation of 15 U.S. Code 1642, U.S.C 1681m and 12 cfr
1002 because I, the consumer, made an application in good faith, but credit was not issued. 

Furthermore, because my social security number ( credit card ) was used and i received NO benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of Chase Card Services If Chase Card Services fails to make any reasonable procedures to resolve this matter and compensate me for the use of my credit card within 10 business days of this notice I will indeed make Chase Card Services criminally and civilly liable for all actual damages pursuant to 15 USC 1681n and 15 USC 1681o. 
I will also follow up with an invoice for said violations ( { {$10000.00} } per violation ). 
Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

On XX/XX/2020 I refinanced my mortgage with Quicken loans. I told my loan representative that I didnt want my payment taken as the refinance funded and paid the prior loan. I was assured again and again that they would not take my payment. They did. I've talked to numerous people including the district manager of mortgage lending and was assured they would correct their mistake. 22 days later I still dont have mymoney back.
Product: Credit card

On XX/XX/XXXX, I attempted to make a purchase in XXXX with my Citibank XXXX  XXXX credit card, as I am traveling. The card gets declined and use another card from another bank to make the purchase. I call Citibank and verify my identity, but they say they can not send an OTP to the phone number I have listed on my account and ask if I have another phone number. This is the only phone number I have, but they manage to call me for an OTP instead of a text and my card starts working again. On XX/XX/XXXX, I attempt to make another purchase and my card gets blocked again. I call Citibank and tell them my card was blocked even though I verified it XXXX  days ago. I go through all the steps and give the customer service representative my phone number and she can not send me an OTP or call the phone number to verify my identity. She asks if I have another phone number, but I do not because this is my only phone number and the one that is listed on the account. She says that I will receive mail to my listed address to verify my identity, but can not verify my identity with my security word, my SSN, or my phone number. I explain to the CSR that I am traveling XXXX for the next few months and will not have access to the mail at my home address and she says there is nothing I can do and that my credit card is blocked until I use the mail they sent to my address to verify my identity.
Product: Credit reporting or other personal consumer reports

Follow-Up Dispute Letter to TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone : XXXX Email : XXXX SSN : XXXX XXXX : XXXX Date : [ Insert TransUnion Dispute Department XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject XXXX Formal Request for Verification Documentation Account [ XXXXXXXX XXXX XXXX XXXX XXXX To Whom It May Concern, I am writing to follow up on the results of my dispute regarding the XXXXXXXX XXXX XXXX account XXXX XXXX ] that appears on my credit report. I received your response stating that the account was Verified as Reported. However, no documentation or evidence was provided to support this verification. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to request proof of verification, including the documentation used to verify the accuracy of the reported information. Therefore, I am requesting the following : 1. The name and contact information of the entity that verified the debt.

2. Copies of all documents used to verify the account, including any contracts, payment history, or correspondence with the original creditor ( XXXX XXXX XXXX ). 
3. Proof that I was properly notified of this child support obligation and that proper procedures were followed when reporting it to the credit bureaus. 

I am disputing this account due to several inaccuracies, including the reported balance, payment history, and account status. Without the requested documentation, this account must be removed from my credit report as unverified information can not be legally reported. 

Please provide this documentation within 15 days of receiving this letter, as required under the FCRA. Failure to provide proper verification will result in further action, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and taking legal action, if necessary. 

Thank you for your prompt attention to this matter. Please send all correspondence to the address listed above or via email at XXXX. 

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

I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, Original Creditor, XXXX XXXX Company Inquiries XXXX XXXX   XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Dear Sir I am COMPLETELY AT A LOSS TO INFORM THAT .It appears Pangea account has been hacked and my personal information such as my phone number and bank account details have been stolen. 
I called their office immediately on XXXX XXXX by phone after getting alerts from my bank and informed Mr.Carlos that four unauthorized /fraudulent attempts were made to withdraw {$450.00} from two of my bank accounts registered with Pangea to transfer money fraudulently to 1 ) XXXX XXXX and 2 ) XXXX in XXXX .I had never registered these recipients with Pangea and this hacking has completely shaken us which is going to serve as a deterrent to deal with Pangea in future .. 
So far a total of 3 debit entries of {$490.00} are showing in the bank accounts ( with XXXX XXXX XXXX  of New Jersey ) and I am awaiting reversal action from Pangea as my repeated request to the company has not yielded any response & they are also not responding to the call made by the bank officials. from the respective bank to secure refund of the unauthorized withdrawals. 

Kindly look into and advise how to get our money back and what steps Pangea has taken to ensure it does not happen again and valued and loyal customers like me do not suffer a loss and such a harassment again. I also spoke to their supervisor Manager XXXX and XXXX separately but have not been able to get a redressal of my complaint. He simply kept repeating follow up with your bank. 
I have documentary evidence from Pangea clearly stating that these transactions have been cancelled but still they have not sent the refund to my bank. 
Please acknowledge and initiate a prompt remedial action in the matter XXXX XXXX Realtor, Broker Associate XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX  ) Number XXXX Cell ; XXXX XXXX XXXX
Product: Student loan

Please see Complaint ID XXXX I was being informed that due to accounting error by the loan servicer, I am being charged for interest that was not previously disclosed to me. To date, loan servicer refused to take any responsibility for their own accounting mistake and poor communication. 

I hereby request a detailed accounting of the time, amount, and reason the original account balance was calculated, a detailed report and explanation of the mistake that was made by the loan servicer, the corrective action performed, and the justification that the interest ( accrued while I am not aware ) should fell on me. 

The report made by the servicer is ambiguous and unacceptable. *Please see their response attached. * It reflects no history of payment, no table of principal and interest paid down, and does not justify their response. 

This is fraudulent behavior and I would like to invite additional investigation and government oversight into this company. I don't know how many others are being told the wrong information on their financial accounts and are paying for the servicer 's accounting errors.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  Account numbers starting in # XXXX Is inaccurately reporting to my credit bureau Dates are wrong an incorrect for starters my credit file is taking a hit up and down daily with this companys issues in accurately reporting XXXX says closed no payments due Trans union says {$610.00} due this is all over the place and they can not show me any contracts and prove this debt Not In accordance with 15 USC 1681