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

On XX/XX/XXXX and XX/XX/XXXX, I made two separate purchases on XXXX ( through XXXX ) using my Bank of America ( BofA ) credit card. These transactions were in the amounts of {$530.00} and {$920.00}, respectively, as shown in the attached statement document from XX/XX/XXXX. 

Both of these purchases turned out to be fraudulent listings, as the sellers never shipped the items. On XX/XX/XXXX, I attempted to reach XXXX representatives to get a refund but was unsuccessful in speaking to a human being. As a result, I filed a chargeback claim for each transaction with BofA. 

On XX/XX/XXXX, I was able to speak to an XXXX representative and they agreed to refund both purchases. As a result, I called BofA, spoke to a representative, and had them cancel both claims. The XXXX refunds both posted to my account on XX/XX/XXXX, as shown in the attached screenshot. 

However, on XX/XX/XXXX, BofA posted two fees to my account under the name XXXX XXXX ( XXXX XXXX ), each in the amount of one of the original XXXX transactions, for a total of {$1400.00}. This is shown in the attached activity screenshot. Effectively, I was re-charged the amounts of the two original transactions by BofA. 

On two separate occasions, XX/XX/XXXX and XX/XX/XXXX, I called BofA and spoke to a representative. In each case, I was informed that the balance adjustments were incorrect and that I should see two credits posted to my account, one in each transaction amount, within the next two business days. In each case, this did not happen. 

I do not believe that BofA representatives are able to resolve this issue, as it is likely caused by a bug in their chargeback system. Each representative informed me that there should have been two credits to my account, one for each claim, in the amount of the original transaction. Then, the balance adjustments should have cancelled out those credit when I cancelled the disputes. However, as shown in the attached documents, I never received the credits in the first place. So, in effect, I was charged a total of {$1400.00} by BofA in exchange for no goods or services.
Product: Checking or savings account

Some of the apps I use are n't getting updated information about my bank balance
Product: Debt collection

In XXXX my identify was stolen and at some point after that a XXXX account was opened up fraudulently in my name. Multiple companies have tried to collect this debt ( {$4800.00} ) after sending it to collections on my credit report and I have had to dispute them to get them removed. In XX/XX/XXXX, Jefferson Capital has posted a collections account in the amount of the same {$4800.00} from XXXX and I am disputing this with the credit bureaus. I have never had an account with XXXX, and I have no knowledge of this debt. It was opened fraudulently.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Information on CoreLogic, XXXX, and XXXX Report and Request for Detailed Description of Verification Methods To Whom It May Concern, Details of Complaint : I am writing to formally dispute inaccurate information on my CoreLogic, XXXX, and XXXX consumer report. Upon reviewing my report, I identified several discrepancies that need correction for a fair assessment of my creditworthiness. Accurate reporting is essential, and I believe the current inaccuracies may adversely affect my financial opportunities.

Despite previous attempts to rectify these issues through the standard dispute process, the items in question were not properly verified. Therefore, I am now requesting a Detailed Description of the Verification Methods used during the investigation of my dispute.

Specifically, I request the following details regarding your investigation : 6. Methods Used : Please describe the specific methods and procedures used to verify the disputed information. 
7. Sources Consulted : Provide a list of all sources, including creditors or data furnishers, consulted during the investigation.

8. Documentation Reviewed : Detail any documentation or evidence reviewed to support the verification of the disputed information.

9. Verification Process : Explain how the accuracy of the information was verified and the criteria used for validation.

10. Timeline of Investigation : Outline the timeline of the investigation, including key dates and actions taken. 
Violations of Law : I believe the verification process by XXXX may violate my rights under the following laws : 6. 15 U.S.C. 1681e ( b ) : Compliance procedures to ensure maximum possible accuracy of consumer reports.

7. 15 U.S.C. 1681i : Procedure in case of disputed accuracy.

8. 15 U.S.C. 1681s-2 ( a ) ( 1 ) : Responsibility of furnishers of information to provide accurate information.

9. 12 CFR 1022.42 : General requirements for reasonable investigation of disputes.

10. 15 U.S.C. 1681c ( a ) ( 5 ) : Prohibition of adverse information older than seven years.

I request the Consumer Financial Protection Bureau ( CFPB ) facilitate a thorough reinvestigation of the disputed information in my CoreLogic, XXXX, and XXXX report. Specifically, I ask that : XXXX. XXXX, XXXX, and XXXX provides a detailed description of their reinvestigation process and how they verified the disputed information. 
XXXX. XXXX, XXXX, and XXXX corrects the inaccuracies in my report as identified. 
Enclosed are copies of my XXXX, XXXX, and XXXX report highlighting the disputed items and any supporting documentation ( e.g., payment records, correspondence ) that proves my claim. Please review this information and correct the inaccuracies promptly. Under the FCRA, you are required to investigate my dispute within 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete the following fraudulent information in my file.The items I need deleted are listed in a word doc attached to this report. 
I am a victim of identity theft and did not apply nor create the illegitimate information included in my credit report.I ask that the items be removed at once. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit.Please delete the items as soon as possible.
Product: Money transfer, virtual currency, or money service

Recently in the post mail I had received a check for the amount of XXXX XXXX and XXXX dollars from chase. However the check was damaged. I called chase to ask for them to reissue the check and this began two weeks of customer service XXXX Two weeks of being transferred from different departments, rude agents, being deliberately hung up on several times, being given misleading information etc I will enclose to you several tries to even communicate with chase bank customer service through direct message on social media. Even there I was met with indifference.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently I was checking my credit and I found these accounts that don't belong to me. My personal information was a part of the XXXX  Data Breach in XXXX and I assume that is when my identity was stolen. These accounts are the result of identity theft. None of these fraudulent accounts are related to any of my legit transactions. I don't know who the perpetrator is and I need these fraud accounts removed as soon as possible. 

These are the fraudulent accounts : XXXX/XXXX/XXXX that opened last XX/XX/XXXX, XXXX XXXX that opened last XX/XX/XXXX, XXXX XXXX opened last XX/XX/XXXX, XXXX XXXX XXXX opened last XX/XX/XXXX, XXXX XXXX XXXX opened last XX/XX/XXXX, XXXX XXXX XXXX opened last XX/XX/XXXX, XXXX XXXX XXXX XXXX  XXXX opened last XX/XX/XXXX, XXXX XXXX XXXX/XXXX  opened last XX/XX/XXXX, XXXX XXXX XXXX/XXXX opened last XX/XX/XXXX, XXXX XXXX XXXX/XXXX opened last XX/XX/XXXX, XXXX XXXX XXXX/XXXX  opened last XX/XX/XXXX, XXXX XXXX XXXX/XXXX  opened last XX/XX/XXXX, XXXX XXXX XXXX/XXXX  opened last XX/XX/XXXX, and XXXX XXXX XXXX/XXXX  opened last XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the late payment status reported on the account XXXX XXXX   XXXX XXXX with XXXX and Transunion for several attempts, to no avail.. They did not give me evidence or verification as to why they will not remove the account. The error has affected my credit score tremendously. CFPB please step up and fix this ASAP please Im looking to purchase a home.
Product: Debt collection

In XX/XX/XXXX I ported my cellular telephone numbers to XXXX from XXXX. After I ported my numbers over my account should have been closed as I have done this in the past and my accounts had been closed. 

XXXX did not close my account, they continued billing me for additional months of service before I realized they did not close my account until I received a bill showing a very high amount owed. 

I called XXXX and disputed that I had an active account, and explained to customer service that when I transferred my phone numbers to XXXX my account with XXXX was supposed to be cancelled and I was supposed to receive I final bill which would have been for about a week of phone service. 

The customer service reps would not help and told me I had to call them to cancel service, which seems fraudulent. 

I tried to dispute the amount and asked XXXX to adjust the bill to properly reflect when my account was cancelled. They refused and said I had to pay for additional months of service when I did not have phone service. 

I then requested that a manager contact me so I could discuss with the manager further, the manager never contacted me. Instead they sent it to a collection agency that I believe was named XXXX. 

I disputed this debt with XXXX and explained the reasoning. 

As of XX/XX/XXXX I received a collection letter from a different collection agency named ERC, address of XXXX, FL XXXX The new agency did not review my past dispute of the debt to correct the issues, It is believed XXXX did not review my dispute and instead sent the debt which is not valid to another collection agency. 

The reference Number that ERC gives me for the debt is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

These inquiries listed below are fraudulent and i have no knowledge of them and I didn't give permission to any of these companies to inquire about my credit. 

XXXX XXXX INQUIRY DATE XXXX XXXX XXXX XXXX  INQUIRY DATE XX/XX/XXXX XXXX XXXX XXXX INQUIRY DATE XX/XX/XXXX XXXXL XXXX XXXX  XXXX INQUIRY DATE XX/XX/XXXX XXXXXXXX XXXX XXXX INQUIRY DATE XX/XX/XXXX XXXX INQUIRY DATE XX/XX/XXXX XXXX
Product: Mortgage

My home caught fire on XXXX/XXXX/2016. The insurance settled in the amount of {$86000.00} which was less than cost of estimated restoration.When informed, XXXX from M & T Mortgage Loss Draft Dept., suggested that I payoff remaining principal on mortgage first and remainder will sent back to me to repair house. I signed check and mailed to M & T bank as directed by Loss Draft Dept., According to USPS, the check was received and on Wednesday XXXX XXXX, 2016. Till date M & T has refused to inform me when the balance of settlement check will be returned to me. In the meantime, I am suffering further losses in my house due to theft and vandalism. 
Note prior to sending the settlement check to M & T bank, I called its payoff department requesting a payoff amount for a future date of XXXX XXXX, 2016. I received a fax stating payoff as {$20000.00} if paid on or before XXXX XXXX, 2016. This date is exactly seven business days after M & T bank received check from me. I am afraid M & T bank is trying to take advantage and not close my account on time and in the process may ruin my good name. I have inquired of M & T bank 's Loss Draft depart., and also Customer Service Dept. , and received the same answer " We are working on it ''. 
I would like M & T Bank to credit payoff amount within 7 business days of receiving check and send balance back to my mailing address of record.
Product: Checking or savings account

Bank of America has charged me over {$200.00} in international fees. These fees were not from an international purchase but through an American exchange ( XXXX ). I have spent hours upon hours dealing with this issue without resolve. The bank keeps on sending me back to the vendor. Please help!
Product: Payday loan

I had a online payday loan with XXXX a few years ago after making several payments, I fell behind on making payments. I started to get harassing phone calls at home, work and also friends and family started getting calls regarding this loan after a while they stopped. On XXXX 2016 I noticed a collection on my credit reports from Midwest Recovery Systems for {$2200.00}, they never sent me any paperwork validating the terms of this loan or the amount owed. I only borrowed {$800.00} and I paid most of that back.
Product: Debt collection

After being advised of a large debt on my credit report on XX/XX/XXXX, I contacted XXXX on XX/XX/XXXX, who very vaguely told me that my account was " Charged-Off '' and I needed to contact FirstSource ( the collection agency ) which XXXX supplied the phone number to me. I asked XXXX to send me a copy of my back statements so I could find out what happened & when. As of this date ( XX/XX/XXXX ), I still have never received anything from XXXX XXXX. I then contacted FirstSource on XX/XX/XXXX and asked them about my account. I was told they just received the info. They looked into it and contacted me back the next day ( XX/XX/XXXX ). Since then I was getting a call a day from FirstSource, occasionally 2 or 3 calls a day, until I asked them to not call me every day about it & I was looking into the matter. On XX/XX/XXXX, I received an envelope from FirstSource postmarked XX/XX/XXXX with copies of my statements for the past year, and a letter from them dated XX/XX/XXXX. 

Going back through all my previous statements, I found that this automatic withdraw payment problem with XXXX XXXX has been going on since XX/XX/XXXX. I do not look at statements every month and knowing my other XXXX XXXX accounts are on an automatic withdraw payment plan with no issues, I did not know there was a problem. To this day, I still have not found or received any info from XXXX XXXX advising there was a problem with this account. Every month, XXXX has been adding late fees, returned payment fees, interest fees, and changing the APR rate ( there may be more that I am unaware of ). The amounts keep changing, some months are higher & others are lower. 

When I originally spoke with the lady at FirstSource, she agreed with me, seeing my information coincided with what she was seeing. 

Another issue compounding to this problem was my original XXXX account number had been compromised. XXXX issued a new card with a new number. 

I received 2 from calls FirstSource last week, 2 more calls on XX/XX/XXXX and another one last night.
Product: Money transfer, virtual currency, or money service

Wire Transfer from my XXXX XXXX XXXX  to Bank Of America , N.A ., XXXX XXXX NY for the amount of {$42000.00} for purchase of auto XXXX XXXX, XXXX account # XXXX. 
Transaction date XX/XX/2022. XXXX XXXX fraud called me on XX/XX/2022 an said they put a freeze on the account. Obviously there was no such auto. XXXX XXXX has been trying to resolve this and is getting no feedback at all from Bank Of America, other than case is still open. 
Complaints filled with FTC Report # XXXX XXXX Victim Acct # XXXX XXXX Investigation # XXXX
Product: Debt collection

Your company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I may review to see if this is actually an account that belongs to me.
Product: Debt collection

Over the last several years Portfolio Recovery has called me no less that 5 times a day.
Product: Debt collection

XXXX continues to pursue debt collection activity on a debt without validation and reporting false and incorrect information to all three credit bureaus. 

XXXX has responded to multiple complaints referencing I have filed a suit against their predecessor and them. However, XXXX highlights they were granted a No-evidence motion for summary judgment and a pending lawsuit against their predecessor, Bank of America, validates their debt collection activity. XXXX claims they ca n't verify or validate their debt collection activity until the lawsuit against their predecessor is adjudicated. 

Bank of America 's summary judgment was denied on XXXX out of XXXX claims including fraud. 


XXXX should not be able to pursue debt collection activity until the lawsuit against their predecessor is adjudicated. XXXX only has the right to pursue collection on what their predecessor had to transfer. Bank of America has not proven any right to collect the debt that was transferred. 

At the time Bank of America transferred the debt tp XXXX, Bank of America NEVER denied an allegations in the lawsuit that was filed on XXXX XXXX, XXXX. Bank of America sought to file an answer to the lawsuit in XXXX XXXX. The Court 's decision granting Bank of America to answer the lawsuit almost two years late is pending in the XXXX XXXX. However, Bank of America transferred the XXXX balanced debt to XXXX on XXXX XXXX, 23 months after the lawsuit was filed against them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I obtained a car loan through XXXX XXXX XXXX. on XX/XX/XXXX. On XX/XX/XXXX the car was repossessed.I had not taken possession of the car again after that time.On XX/XX/XXXX, XXXX XXXX reported to the credit agencies that the car was repossessed. (Not sure why, maybe to extent the bad credit filing)On XX/XX/XXXX XXXX XXXX reported to credit agencies that I reopened the same account.On XX/XX/XXXX XXXX XXXX reported to credit agencies that the car was repossessed. This leaving the account on my credit until XX/XX/XXXX.I have attempted to resolve this matter with XXXX XXXX and the credit agencies with no avail. XXXX XXXX continues to put fraudulent information on my credit report and refuses to correct their own error.I have only had one account with this company, which ended in XX/XX/XXXX upon them taking possession of the car.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account XXXX account number 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 an account without my written instructions or consent.
Product: Credit reporting or other personal consumer reports

Re Investigation of complaint # XXXX XXXX XXXX XXXX XXXXXXXX the Account was reported chard off on. XXXX .then Repeatedly updating as charg off every month since than this is updat in the payment history. Achargoff account should not including an active payment history this inaccurate info falsely XXXX  the status of XXXX  failed to investigate this account properly and you neglect vaulat my rights I demand a deletion of this account.
Product: Credit reporting or other personal consumer reports

I was a victim of ID theft. I filed a local police report and a report with the FTC and followed their notification procedures. I notified Oportun and they have not provided documents that I'm legally entitled to as a victim of ID theft. They will not settle the dispute with the credit bureaus and they refuse further contact with me or to provide me with all the information on the application when the loan was taken out, including : bank account and routing number, pics/registration/title of vehicle used as collateral PLATE and VIN numbers, drivers license, proof of income.
Product: Credit reporting or other personal consumer reports

When I fell on hard times, I resorted to settlement agreements with multiple credit lenders following a divorce. XXXX XXXX XXXX agreed to a settlement with which when it was finally paid off, they said they would initiated a good faith removal of any negative reporting to my credit report. Late payments, settlement status, and clean the report underneath their accounts. This same agreement was reached with XXXXXXXX XXXX as a joint loan with my ex-wife. Once this was paid off, they said that they would remove the negative remarks with regards to late payments and settlement status. I have reached out multiple times directly to the companies and all of the credit bureaus to initiate investigations and every time it is closed almost immediately without any update. Aside from this, AMEX closed my accounts without notification, and these amounts were sent to a debt collector who does not have my debt agreement or debt amounts so all it shows is closed accounts with a balance. AMEX said they closed the balances at an operating loss and had no need for reporting anymore so I discussed with them to remove the amounts but they said it was no longer within their hands because it was sent off to a 3rd party agency. This agency does not have the agreement however so it is stuck in limbo. Then finally, the XXXX XXXX XXXX XXXX that shows a missed payment is incorrect. I sold the vehicle to a car dealership that underpaid XXXX XXXX from their profit. XXXX XXXX acknowledged this issue and said they would remove the remark within 90 calendar days. They have not. Despite multiple attempts to contact them and initiate disputes with the credit bureaus. These disputes also get shut down almost immediately with no update.
Product: Credit reporting, credit repair services, or other personal consumer reports

I 've disputed with XXXX on several occasions about this one account that was charged off by the creditor which means it was filed on taxes and no longer owned by anyone and should 've been removed. XXXX said that understood that but still have n't removed it and it 's been about 3 months since I began disputing that
Product: Student loan

For 18 months now, since I began closely monitoring my loans, I have had to call my loan company ( Granite State Management & Resources ) almost every month due to misapplication of loan money. I try to make targeted payments to pay off specific higher interest loans, and many times they simply spread it across all loans despite my specifications given both online and over the phone. The last couple of months, they have adjusted the amounts paid slightly on my loans, and have actually increased my auto-debited amount without my consent. The amounts are negligible for just me, but if this is happening to many of their clients, they could be making a whole lot of extra money by slightly adjusting payments, most so slight that I imagine many people would n't notice. I 'm tired of having to call and call just to have them do the same thing again the next month. There 's no reason my auto-debit should ever be different.