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

On XX/XX/18 I received an alert on my XXXX stating I added an authorized user on my Bank of America, BAO, mobile banking app. I then saw that {$6300.00} was transferred out of my savings account. I immediately called the bank and reported the fraudulent activity. They opened a claim. Claim # XXXX. 

On XX/XX/18, BAO sent me an email stating they denied my claim because the transaction came from a device I had been using to login and I authorized the transfer. They asked to have my IT department do a scan and if a virus was found that they could write a letter stating their findings. My work computer had a virus on it and I sent the requested letter. After a few weeks BAO called me and told me that my claim was denied again because the fraudulent activity came from my XXXX and I authorized the transaction. 

I contacted my mobile service provider, XXXX XXXX, to see if they could scan my phone and provide a letter of their findings. XXXX stated they do not have the capability to scan phones. 

I did not authorize this transaction. 

I filed a police report with XXXX, MA police department on XX/XX/18, Report # XXXX. 

I contacted the bank one last time and told them what XXXX said regarding phone scans. BAO said they would not reopen/honor my claim.
Product: Debt collection

Starting on XX/XX/2020 company called and I answered the call. Someone claimed that I owed a debt and then asked for me to verify my identity. They provided part of my information which was correct but part of my information which was incorrect. After advising to them this sounded like a phishing attempted, they abruptly ended the call. 

XX/XX/2020 I received a letter from Affiliate Asset Solutions , LLC. The letter had part of my current address and part of my previous address. I called the number on the letter to speak with someone. While on the call, I made more than several attempts to explain that this debt is not mine but eventually the person abruptly ended the call. 

XX/XX/2020 A entertainment consulting company I used to perform for received a phone call with the following messed : " This message is intended for -- -- --. My name is XXXX XXXX, and I have been tasked with serving. You sealed and notarized paperwork within the next 24 hours. No failure to sign will be marked as a refusal in the process is going to proceed without you. If you have any questions or concerns, please contact the office for further assistance. Their direct number is XXXX. And when calling, your reference number is -- -- --. You have officially been notified. '' On the same day I received the same message on my business consulting number. Both calls were from a 'Blocked ' number. 

XX/XX/2020 the same 'Blocked ' number, it must be the same because I NEVER received blocked number calls, called but did not leave a message.
Product: Credit reporting or other personal consumer reports

Dear TransUnion, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Under fair credit reporting act, I am being discriminated against because of age.

Im being assessed as a XXXX, at least that what I have gathered based up the responses ive received. 

I dispute the accuracy or completeness of the information. 

Furthermore, an evaluation at the XXXX has declared me as an XXXX.
Product: Vehicle loan or lease

GM Financial has put a 30 day late delinquency on the disposition fee of the return on my lease. I had returned the vehicle on XX/XX/XXXX. My account was put on auto-pay, but was not aware that they had removed my auto-pay information after the vehicle was returned. I had a 3 year lease for a XXXX XXXX XXXX. During this time, we had moved to another apartment after the vehicle was returned not receiving the latest letters from GM Financial. I did receive a call that I do not have recollection of in the middle of XXXX as my family and I were dealing with COVID exposure and quarantining for 2 weeks. The balance was settled on XX/XX/XXXX, 2 days after the apparent 30 day bill in the amount of {$430.00}. I was never late on any payments throughout the lease and did not have insufficient funds. I was under the impression this would be automatically taken out, however this was an unfortunate miscommunication and timing.
Product: Credit reporting 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. 

I told Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 

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: Credit card or prepaid card

I previously had my son XXXX XXXX as an authorized user on my Citibank card account ending in XXXX XX/XX/XXXX. Shortly thereafter, i called Citibank card services and cancelled my authorized user, and have never added an authorized user again. This card has not been used since then. On XX/XX/XXXX, this card was stolen and fraudulently used in XXXX XXXX XXXX, for money transfers, cash advances and purchases not made by me nor my son. Apparently whoever stole my son 's wallet, backpack and laptop computer used this card fraudulently. The credit card should have been denied since the authorized user had been cancelled in XXXX, however, for reasons unknown, they accepted this card fraudulent use. I called Citibank and reported the card stolen and fraudulently used. Citibank cancelled this card ending in XXXX and informed me I'm not responsible for the unauthorized fraudulent use. They issued me a new card ending in XXXX. Now, Citibank is charging both of these cards fraudulent charges which include cash advance fees, and interest for about $ XXXXCitibank is trying to get to pay these fraudulent charges twice since they're billing both accounts this same amount, and it keeps getting higher as they add more charges. Citibank added a {$26.00} cash advance fee on XX/XX/XXXX, almost a month after the cash advance was reported as fraud. Please, help me with this dispute. I can provide police reports to the fact that this card was stolen. The casinos should have camera surveillance as to who used that card fraudulently, proving my son and I are telling the truth that we did not use this card in XXXX XXXX.
Product: Checking or savings account

This complaint alleges serious violations of consumer protection laws and regulations, including the Fair Debt Collection Practices Act ( FDCPA ), by Ally Bank in their handling of my checking XXXX. I am requesting immediate investigation and appropriate action to address the following : 1. Unfair Debt Collection Practices : Obstruction of Repayment : Despite my repeated attempts to bring my account to a positive balance, Ally Bank initially and inexplicably blocked my legitimate ACH transfer from my XXXXXXXX XXXX  account, hindering my ability to cure the alleged debt. They also blocked my debit card which in turn blocked any non-ach transfers, such as a simple XXXX transfer attempt. Both the Ally app and website would not allow the transfer and Ive included documentation proving that, and it was also confirmed over the phone. This constitutes an unfair and unconscionable practice under the FDCPA, as it directly interfered with my ability to resolve the issue. 
Unreasonable Account Restrictions : Ally Bank imposed restrictions on my account without providing a valid justification or reasonable notice. These restrictions prevented me from accessing my funds and resolving the negative balance, causing significant hardship and inconvenience. 
Coercive and Deceptive Tactics : Ally Bank 's representatives, including a supervisor, engaged in deceptive and potentially coercive tactics by threatening account closure without providing adequate opportunity to cure the negative balance and by refusing to offer reasonable solutions. 
2. Retaliation for Consumer Action : Suspect Timing : This occurred 2 weeks after I filed a complaint with the Consumer Financial Protection Bureau ( CFPB ) and this strongly suggests retaliatory action for exercising my consumer rights.Futher supporting that is the Ally Bank Executives letter response that instructed me to call the bank and do a fund transfer or face imminent account closure, only to result in harassment and refusal. 
Lack of Justification : Ally Bank offered no valid explanation for their initial refusal to lift the restrictions or for their obstruction of my attempts to bring the account positive. This arbitrary and capricious behavior further supports the claim of retaliation. 
3. Unprofessional Conduct : Abrupt Termination of Call : During a phone conversation seeking resolution, an Ally Bank supervisor XXXX abruptly terminated the call while I was calmly and assertively explaining my situation. This unprofessional conduct demonstrates a disregard for customer service and a lack of commitment to resolving disputes fairly, even to the extent of violating their own directives to achieve that end. 
Pattern of Unsatisfactory Service : My entire experience with Ally Bank has been plagued by problems and subpar customer service. This incident is not an isolated occurrence but rather indicative of a systemic issue within the institution. The last fund transfer I attempted through Ally Bank was botched, resulting in the closure of a decade-old XXXX XXXX credit card tradeline which caused immense damage to my credit.
Product: Credit reporting or other personal consumer reports

XX/XX/year> I tried getting my free annual credit report and needed to confirm my identity with each Bureau and it failed with each one.
Product: Credit reporting or other personal consumer reports

I have sent XXXX  more than several letters of the inaccurate and derogatory statements on my credit report Copyright laws my appelation is private and not to be used at all they are violating my human rights Copyright law, as defined in Title 17 of the United States Code, protects " original works of authorship fixed. XXXX XXXX XXXX is copyright 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information A financial institution shall not disclose, other than to a consumer reporting agency, an account number or similar form of access number or access code for a credit card account, deposit account, or transaction account of a consumer to any nonaffiliated third party for use in telemarketing, direct mail marketing, or other marketing through electronic mail to the consumer. 

Fines for using my property, selling, trading, and marketing will cost each corporations {$1000.00} and or pay for arbitration! 
15 U.S. Code 1681n - Civil liability for willful noncompliance
Product: Credit reporting or other personal consumer reports

Recently I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 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 shalli ) 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.

Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

Recently I received a notification about a collection from Vance & Huffman in the amount of {$1100.00}. I have no knowledge of this debt and nor have I ever received any type of correspondence from them. I logged into my report and found that this company illegally posted a collection account and the original creditor was XXXX, XXXX. I have never heard of nor had an account with either of these XXXX companies. I have never had an account nor any dealings with either of them. I never received a letter in the mail that gave me 30 days to validate or dispute this account. I never received a letter stating that I have an alleged debt with this company and owe a balance on that account. I understand that, under the FDCPA guidelines for collection agencies or me to go further with this account, I need ( 1 ) proof that they are the original holder of this debt and can legally hold me responsible for paying this debt and ( 2 ) contractual proof of obligation or an assignment SIGNED in BLUE ink from an XXXX from the original creditors corporation that I am supposed to pay them. 15 USC 1692g Sec. 809 ( b ) of the Fair Debt Collection Practices Act ( FDCPA ) grants me the right to request validation of this alleged debt they say I owe. If I would have gotten anything in the mail from Vance & Huffman before they illegally reported to my credit report, I would have respectfully requested evidence that I am the person they are asking to pay this debt and a contractual obligation that legally binds me to pay them this debt. Upon them receiving my validation letter, they would have to legally cease from collection calls, letters, and efforts and delete the account from my credit files until they can validate this debt. But again, I never received such a letter about this account ever in the mail. They have illegally posted and reported to my credit file file without adhering to the FDCPA laws. This company has broken FCRA and FDCPA laws but reporting a false account to my credit report without informing me through mail, email, phone, etc.
Product: Credit reporting or other personal consumer reports

I have contacted Portfolio Recovery credit reporting company about the accounts, charge off accounts, and collection account ( XXXX ) listed on my credit report. Under the Fair Credit Reporting Act ( FCRA ) and the Gramm-Leach-Bliley Act ( GLBA ), specifically 15 U.S.C. 6802, which governs the privacy and sharing of consumer information. This company is reporting fraudulent inaccurate information on my credit report. Also they have accounts listed as ( CHARGED OFF ) I have never been provided a ( 1099-c ) tax form. I asked how can they show ( CHARGED OFF ) and report a balance? I have requested that they provide the purchase agreement to show full ownership of such accounts and also other documents so I may review to see if I opened said accounts and if said accounts belong to me. They have not. I asked for proof of how they verified these said accounts. I have yet to receive proof of debt validation or a purchase agreement from this company. ACCOUNT : XXXX
Product: Mortgage

On XX/XX/XXXX as I was checking my credit report, my score went down from an XXXX to XXXX. 

There are XXXX mortgage providers for the exact same note collecting at the same time. 
Please note the Credit Report Attached. 

XXXX XXXX XXXX  failed to let m know that they transferred the note in XXXX of XXXX and collected payment to date ( XX/XX/XXXX ). Select Portfolio Services failed to give me notice as the new lender and sent it to the XXXX Address and not my mailing address in XXXX XXXX. Select Portfolio hasn't provided any valid documents to prove they bought it and transferred it via what was recorded at the Assessor 's office. 

Both providers are collecting at the same time putting my status in a Foreclosure status while collecting payment.
Product: Credit reporting or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX Balance : {$900.00} XXXX  XXXX Balance : {$870.00} XXXX XXXX Balance : {$2100.00} XXXX XXXX Balance : {$24000.00} XXXX XXXX XXXX Balance : {$800.00} XXXX XXXXXXXX XXXX Balance : {$430.00} XXXX XXXXXXXX XXXX Balance : {$190.00} XXXX  XXXX XXXX Balance : {$910.00} XXXX  XXXX XXXX Balance : {$1100.00} XXXX  XXXX XXXX Balance : {$160.00} XXXX  XXXX XXXX Balance : {$140.00} XXXX  XXXX Bankruptcy : Discharged Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XX/XX/XXXX
Product: Credit card

I dispute the following hard inquiries on my credit report : Under the Fair Credit Reporting Act ( FCRA ), Section 611 ( 15 U.S.C. 1681i ), unverified inquiries must be removed. Please investigate and remove any unverifiable inquiries.
Product: Credit reporting or other personal consumer reports

I have been fighting this identity cases for a couple years now these accounts are fraudulent if there not removed I will have no other choice but to file for witful noncompliance and seek litigation
Product: Credit reporting or other personal consumer reports

This has been an ongoing problem since XX/XX/XXXX. I filed a complaint with the consumer finance protection bureau a few weeks ago. I received the companies response from your organization a few days ago. 

However, unfortunately, they have a reported me again late for XX/XX/XXXX in error. I have provided proof to the company from XXXX XXXX and from XXXX showing that they reported me late again for XX/XX/XXXX in error. 

Each month this company erroneously reports me late and each month I contact them requesting a correction and requesting them to cease reporting me late in error While they have acknowledged that they erroneously reported me late from XXXX through XX/XX/XXXX and recently provided an unsolicited credit in the amount of {$100.00} and applied to my account. I do not want a credit I want the erroneous reporting to Stop, this is a violation of the Credit reporting act. Unfortunately, the only one that is being penalized for this is me. 

My credit scores continue to fluctuate as a result of their erroneous reporting it takes a day for them to report me late but months for them to correct the error when I call, I am getting nowhere All I want is for them to correctly report my status to the bureaus their errors have cost me a significant decrease in my credit score which has impacted me financially and prevented me from getting a refinance and a car I want to upgrade to be held accountable for their continued erroneous reporting I want them to be held accountable for impacting me in a detrimental way financially
Product: Credit reporting or other personal consumer reports

I PULLED MY CREDIT REPORT AND NOTICE THINGS ON MY CREDIT REPORT THAT I DID NOT DO. PLEASE HELP ME BUY HAVING THIS REMOVED FROM MY PROFILE. I'M MAKING A POLICE REPORT TODAY TO ADVISE THEM OF THIS ISSUE.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent ITEMSin my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any ITEMS listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Mortgage

Hello, we were forced to sell our home previously due to my husband being a XXXX veteran and not being able to work, when he was first diagnosed he couldnt work as much so we fell behind on our payments but only by XXXX, we requested a modification which took a year but we were granted the mod eventually. Our mortgage was sold to XXXX now known as XXXX XXXX. However on the day of closing we found out that there had been a partial Claim initiated without our consent so we lost XXXX at closing unexpectedly because we feel this way as done behind our back, we also have seen previous lawsuits against BOA involving modifications and HAMP programs in the news, please see attached paperwork, thanks!