23daVinci/CFPB_Complaints huggingface dataset:
Product: Prepaid card

I received an email stating it was a balance statement regarding my American Express Serve prepaid credit card account. Since I had not opened an account I was curious. I checked out the email and went to Company website ( using separate browser tab, not through links provided ). I located " contact us '' info and called the hotline. 
After navigating the menu lists to reach a real person I related the fact that I had not opened said account. The first lady I talked to located that account using only my name and email address ( both of which were already in the email so I had no problem providing that info ), and sent me to the " fraud protection department ''. Once there the lady there again asked for my email. I provided it again. She then wanted me to provide the last four digits of my social security number and my home address, both of which I refused to give since I was reporting a fraudulent card and had not provided that information to start with. I then asked it she had information on where said card was being used, she said she did but could not answer any questions until I verified my identity. I responded " I didn't open this account so you shouldn't have any of my info anyway, I'm not providing that. '' At which point she hung up on me. Number called was XXXX.
Product: Student loan

I have made two payments now the last 2 months that have been reversed on Aidvantage 's end and never showed up on my bank 's end though I know there were enough funds in my account. 

I received an email stating once again my payment is late despite my making a payment on the XXXX of this month. I have not once been able to get someone on the phone and from what I've read online, countless others are having this issue and it's unresolved. 

I'll be calling again in the morning, but this is wild. The company has been accused of " mismanaging funds '' and apparently is new to the student loan game, but I am incredibly stressed.
Product: Mortgage

I have a Bank of America mortgage that was originated in XX/XX/XXXX. It is an FHA loan that was modified in XXXX XXXX. 

I recently applied for a Reverse Mortgage and learned that BOA has placed XXXX liens on my property ... XXXX of which are duplicates of the original loan modification. There should only be XXXX lien, but BOA sent the exact paperwork to the Clerk and Recorder 's office in XXXX, Colorado on 3 different occasions over a 6 month period. 

I can not proceed with the reverse mortgage until these duplicate liens have been removed. 
On XXXX I spoke to XXXX at BOA who told me that she would call me on Tuesday, XXXX XXXX with a status report. She did not call. I called Bank of America on XXXX XXXX and talked to XXXX, who emailed XXXX about the status. XXXX reported that XXXX stated that the department for BOA that handles such matters had nor responded within the required 48hours so her supervisor was now making request and that she would call by XXXX XXXX. Again no call. I called BOA on Friday, XXXX XXXX and spoke with XXXX. He told me that he was forwarding my concerns to my loan manager XXXX in XXXX XXXX and that he was again emailing XXXX for status. He told me that either XXXX or XXXX would be calling me on Friday and that if they did not, that he would call me. NO ONE CALLED. 
I can not proceed with the reverse mortgage until this is resolved. HELP
Product: Debt collection

The company, XXXX XXXX, is trying to steal from my estate! Nobody from this company signs these computer-generated letters and various other means of communication via the XXXX XXXX XXXX  XXXX And since nobody takes responsibility for these claims, I can deem these claims as fraudulent. These accounts do not belong to me. I do not have a contract with this company and it appears that my SSN has been used without my authorization/written consent! Help! This company has stolen my identity!

1. This is a trust action. By taking my SSN, the credit company was given consent by the beneficiary of the trust to access the trust for payment. Any additional payment is double dipping and illegal!

2. Per public law 73-10 the US Treasury is to handle all public debts due to the elimination of gold coinage and gold clauses in contracts.

3. You purchased alleged debt, which in itself, discharged the debt, but then you claim the debt and it becomes a tax write off for you.

4. You can not make any claim of equal consideration and thus have zero legitimacy to call for a tender of payment.

5. According to UCC 8-102 ( II ) Indorsement means a signature that alone or accompanied by other words is made on a security certificate in registered form or on a separate document for the purpose of assigning, transferring, or redeeming it. Which means my original wet signature is worth the value on the form I signed with said company on the day I signed it. It itself became a security and has the same monetary value as written on it as if it were Federal Reserve notes. My signature paid for the service received, as proof you bought said debt because it has value. Meaning, the form I filled out with my signature was redeemed as per UCC 8-102 definition above.

Any further attempts to get me to contract with you will be a violation of 18 UCC 1341 Frauds and Swindles and will be reported to the authorities.
Product: Credit reporting

I sent disputes on erroneous, negative accounts reporting on my credit file, via certified mail, over 60 days ago and never received a response. I sent another letter with the disputes as well as a notice saying that they never responded, after 30 business days, and still did not get a response. I know that they received the disputes because they deleted XXXX of the errors from my file!
Product: Student loan

I am on a IDR plan for income based repayment. My IDR documents clearly state that it doesn't expire until XX/XX/XXXX. However Navient started charging my account for payments starting back in XXXX of XXXX. I called to talk to them ( XX/XX/XXXX ) and let them know on the FSA website my IDR states it is not expired. They said well we need you to submit a new one because it was only good for them until XX/XX/XXXX. I couldn't get a real clear answer from them. I figured the date was extended on IDR 's submitted in XXXX due to Covid. So they shouldn't be charging if my IDR is not expired.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXXXXXX Balance : {$330.00} XXXX XXXXXXXX Balance : {$600.00} XXXX XXXX XXXX XXXX Balance : {$27000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$350.00} XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : - XXXX XXXX XXXX XXXXXXXX Balance : - XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXXXXXX Balance : - XXXX XXXX XXXX XXXXXXXX Balance : - XXXX XXXX XXXXXXXX Balance : $ XXXX
Product: Money transfer, virtual currency, or money service

My email was compromised due to scam.

However the bad actors were able to log into coinbase from a new IP address. They sold all my cryptocurrency ( XXXX USD at time ) and transferred to bitcoin, then was able to withdraw. 

I had XXXX tied to authenticator on my phone and had it enabled on coinbase. They should not have been able to withdraw without being able to disable that. Apparently the scammers were able to disable that, I am not sure how. Also how they did it so quickly Coinbase made it very difficult to freeze the account. I saw an email as soon as they sold my crypto holdings. I logged in and saw the btc in portfolio, I quickly grabbed by btc address and tried to withdraw that but they wouldn't let me. When I called support there was a 6 digit code to enter to lock account. I tried entering twice and knew it was the right number, it showed own my phone screen so i could confirm what i had typed in and what was requested, both times it was invalid. Had to talk to transfer to agent and the agent was hard to understand. They had to verify identify and by then the scammers were able to withdraw in that time.
Product: Checking or savings account

I'm not exactly sure where to start but I've been an account holder with Bank of America ( BOA ) for 22 years and the last seven have been extremely concerning. For the past two years I haven't been able to access my account until recently in late XX/XX/2022 when I had to acquire a cashiers check for $ XXXX. At the start of this particular transaction the teller at BOA serving me encountered the same issue I've been facing and could not locate my account. After multiple attempts and ID verification, the teller requested my SSN in a final attempt to find my account and she found it. I can not begin to express how embarrassing this particular experience was for both of us.

I will briefly summarize a few other disturbing problems I've recently experienced with BOA. During the high school graduation season I routinely give cash gifts to graduates of family and friends by sending a check from my BOA account. I started to notice that the graduates would receive and cash their checks but the funds would never be withdrawn from my account. At the time of this CFPB complaint I'm still waiting on checks to hit my account. Another very concerning recent occurrence took place when I deposited a check into my savings account from another financial institution and BOA placed a hold on the funds for ten business days or 14 calendar days. This was totally unacceptable when you take into account that all my monthly income flowed through BOA at that time. Immediately after this infraction I changed all my electronic deposits from BOA to other financial institutions that I had accounts. It didn't stop there because just a couple of weeks after I ended the monthly income EFTs from BOA, they begin charging my account $ XXXX service fees for accounts my income flowed through for decades with balances exceeding $ XXXX routinely. I have more similar problems I can provide but these were the serious occurences that directly violated federal regulations.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX account number XXXX is reporting incorrectly. I request that this inaccurate item be immediately investigated. The account must be removed to show my true credit report. Please investigate and provide verifiable documentation of the : DATE of last activity, Outstanding Balance and the date account was charged off. 

XXXX account number XXXX is reporting incorrectly. I request that this inaccurate item be immediately investigated. The account must be removed to show my true credit report. Please investigate and provide verifiable documentation of the : DATE of last activity, Outstanding Balance and the date account was charged off. 

XXXX account number XXXX is reporting incorrectly. I request that this inaccurate item be immediately investigated. The account must be removed to show my true credit report. Please investigate and provide verifiable documentation of the : DATE of last activity, Outstanding Balance and the date account was charged off.
Product: Checking or savings account

My debit card was used to make unauthorized debit trransactions while on vacation in XXXX XXXX. These occurred between XX/XX/2024 XXXX. I immediately filed a fraud claim upon my return- Claim ID # XXXX, XXXX. The claims were denied with no explanation. I explained that on XX/XX/2024 A person booked a flight with XXXX XXXX but the card was flagged for address verificationand the person was denied boarding at the gate because they could not produce my debit card used for payment. XXXX refunded my money in a day of {$380.00} ( Claim Id # XXXX ) They then tried to do the same with American and again my card was flagged for address verification and the person was not allowed to fly. XXXX refunded the charge to my card a few days later of {$120.00} ( Claim id XXXX ). At this point I assumed bank of America realized that at some point my card number and information had been compromised. I received a phone call today XX/XX/2024 from a nice individual from the fraud department. She asked me did i ever misplace my card or lose possesion of it and I replied No not that I could remeber. The only time was at restaurants that I ate it when they would take my card to process it. She was very nice and showed loys of empathy and after our conversation said i should receive a refund in XXXX to XXXX hours. Imagine my suprise when I received notice my claim was denied!! I did not authorize make or receive anything of value for this transactions nor did i give permission for anyone to use this card. I do not know how Bank of america verified or investigate these claims in the span of two hours from when I spoke to the investigator as all these claims occurred in a foreign country. I am asking and requesting Bank of America to re investigate these claims and issue me a credit while doing so in a timely manner. I did not authorize any of this and it has put me in a very bad situation as a retired XXXX on a fixed income.I can not pay my monthly bills without this money that was taken. Please help me if you can. Thank You
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX # XXXX XXXX XXXX  # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. 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 a account without my written instructions
Product: Credit card or prepaid card

After receiving credit card to home address from company i immediately called to request my bills be sent to my home address as well. Bills still unknowingly when to alternative address, causing a 40day past due.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX Account name : XXXX XXXXXXXX XXXX, Account Name : XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX, has violated my rights. 

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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

I was scammed XX/XX/XXXX of 2021 in an attempt to purchase an item online. I was told to use Zelle with my bank account to the tune of {$1700.00}. Once i sent the money the individual told me that he was unable to send the item that day. the next day he told me that i owed additional money to which i requested my money back. He declined and i reported it to my bank and they declined to refund me since Zelle is for transactions between people you know. I contacted Zelle who denied they had any information to give and told me i would need a search warrant for any further information. I reported it to the police and they opened up an investigation and i have not heard back after i requested a search warrant for the information needed to file in small claims court.
Product: Credit reporting, credit repair services, or other personal consumer reports

The last payment was made XX/XX/XXXX following no other payments. The company admits there were no payments made after that date and that it was charged off then. Charge offs occur between 120-180 days of not payment. If Prestige Financial received the last payment XX/XX/XXXX why are they reporting to the credit bureaus that the account was charged off in XXXX two years later?
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XX/XX/XXXXAccount # XXXX, XX/XX/XXXX # xxxxxxxxxxxx XXXX, XX/XX/XXXX XXXX, XXXX XX/XX/XXXXXXXX, XXXX XXXX XXXX, XXXX XXXXXX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXXXXXXXX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX, XXXXXX/XX/XXXX has violated my rights. 15 U.S.C 1681 section 602 A States that I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and XXXX XXXX XXXX XXXX has failed to conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account # XXXX was deleted from XXXX on XX/XX/2022 and then reinserted on the credit report on XXXX XXXX which violates FCRA 15 usc 1681i - reinsertion after deleted materials.

( 5 ) Treatment of inaccurate or unverifiable information : ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall : ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
This also violates FCRA 15 usc 1681 ( b ) once the account was deleted from my file, the information may NOT be reinserted in the file unless it was certified complete and accurate, which is not due to the many inaccuracies of the verified date, date reported, date opened and last payments.

Lastly, it violates FCRA 15 USC 1681 ( ii ) Notice to consumer. 
If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.

I was never notified of the reinsertion in writing within 5 business days of the reinsertion and I never authorized this to take place. I have contacted the Attorney General 's Office, XXXX  and the CFPB numerous times and nothing has been done about the violation of my consumer rights. 

I am demanding that this debt be entirely removed from all three credit bureaus or I will be seeking statutory damages as XXXX willfully violated its obligations under the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

TD Bank snd XXXX are NOT XXXX XXXX Compliant as numerous required fields are NoT filled in completely, accurately, mandatorily and logically 200 % perfect to meet FCRA and other Compliance standards. I have attached the XX/XX/XXXX letter of TD Bsnk Senior Vice President, Paramita Pal who stated your credit card account was voluntarily closed on XX/XX/XXXX and has not been reported as open since. On XX/XX/XXXX, I received my attached XXXX credit report dated XX/XX/XXXX which clearly documents that my TD account still remains IpEN despite XXXX plus demands to correct the willful FCRA violations. The TD Senior Vice President obviously falsely certified that my account has not been reported as open since it was voluntarily closed on XX/XX/XXXX. Obviously, TD snd XXXX have failed to investigate and have willfully violated the FCRA and XXXX XXXX standards by reporting my closed account as open. Stop embarrassing yourselves as once an account is marked closed with the required date if closure on XX/XX/XXXX, internal controls were required to prevent the closed account to be changed to open. There is obvious a sinister reason why my account was maliciously changed from closed to open. Thus will Cust you another {$2000.00} statutory damage claim for willful FCRA repeated unconscionable violations. If a Senior VP cant fix this, maybe the TD CEO can!
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report.

1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 


XXXX there is some inaccurate information reporting XXXX XXXX Account XXXX : XXXX Delete this account. 


XXXX. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX  Account Number : XXXX Delete this account. 


4. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXXXXXX XXXX XXXXXXXX Account Number : XXXX  Please remove it from my credit report. 


XXXX there is some inaccurate information reporting XXXX XXXX Account XXXX : XXXX Delete this account. 


XXXX. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX Delete this account. 


XXXX. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please remove it from my credit report. 


XXXX. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX XXXX Account Number : XXXX Delete this account. 


9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX  Date of inquiry : XX/XX/year> Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

This account is open. XXXX continuously reports credit card account as closed. Both XXXX XXXX and XXXX is reporting he account as OPEN. with the incorrect reporting it is affecting my credit utilization and payment history and therefore overall score by reporting this account as CLOSED. This account is OPEN/NEVER LATE.
Product: Debt collection

Someone has opened XXXX fraudulent accounts that I didn't authorize.