23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX  of XXXX XXXX and would like for all listed accounts to be blocked and deleted company from my information Transunion. Please delete the following accounts. creditor : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter. 

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

I don't believe any of the choices offered to me adequately describe my issue. 

This is a follow-up to Complaint ID # XXXX which was not resolved to my satisfaction. I am requesting that this matter be reconsidered. In its response to my original complaint, Bank of America states : We have not received additional claims filed against the account in question. In fact, there was a fourth claim that was either misplaced or mishandled. I have attached a copy of the Declaration of Unauthorized Endorsement which was submitted by XXXX XXXX sometime after XX/XX/2018. I have also attached a copy of the check that is the subject of this claim. Please review the additional information provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

HAS BEEN MAILED VIA CERTIFIED MAIL TO XXXX, XXXX, EXPERIAN FRAUD DEPTS : UTILITY BILL, DRIVERS LICENSE, SOCIAL SECURITY CARD, MILITARY ID, FTC ID THEFT REPORTS, XXXX   DATA BREACH CLAIM/ VICTIM LETTER, XXXX E-MAIL DATA BREACH VICTIM LETTER, REQUEST TO REINVESTIGATE OR BLOCK FRAUDULENT ACCOUNTS. 
MY IDENTITY HAS BEEN USED FRAUDULENTLY TO OPEN ACCTS, MY EXISTING ACCTS WERE EITHER TAMPERED WITH WITHOUT MY CONSENT OR TRANSACTIONS DONE WITHOUT ME KNOWING BY HACKERS. I AM FED UP OF DEALING WITH THESE CRAS AND THEY DONT NOT REVIEW RECEIVED INFORMATION OR VERIFY NEITHER CONFIRM REINVESTIGATION DOCUMENTS SUBMITTED. THEY ARE NOT IN A POSITION TO BE A REPORTING AGENCY SINCE THEY ARE SIMPLY A MIDDLE AGENT FAVORING THE CREDITORS. I AM A PRIVATE CITIZEN AND NOT A STATE OR FEDERAL ACTOR AND I TAKE MY PRIVACY SERIOUS. CERTIFIED MAIL LETTERS HAVE BEEN MAILED OUT TO ALL THREE CRAS AND XXXX STILL REPORTS INACCURATE FALSE INFORMATION ON A PRIVATE CITIZEN ALSO EXPERIAN REPORTS A FRAUDULENT COLLECTION TOO.
Product: Credit card or prepaid card

I was getting my XXXX payments by check and someone ordered a XXXX card and wasted my money as I didnt know about the XXXX Card I was certifying expecting a check to come in
Product: Credit reporting or other personal consumer reports

I received a notice that I opened a loan with SouthState bank. I have never had a loan with this company nor have I ever applied for a loan with this company. I have asked them to provide proof that this account belongs to me and XXXX told me that they had no proof that this account belonged to be and that SouthState did not provide them with documentation
Product: Vehicle loan or lease

They have a major glitch with their payment system, I have made payments twice in one month to reduce the principal amount, with the system the have in place it will instead of reducing principal it will instead apply toward regular payments. Example- my regular payment is XXXX $ per month due XX/XX/XXXX... I make a XXXX $ payment before due date. It will not apply XXXX $ payment due XX/XX/XXXX and XXXX $ toward principal, instead it will say I don't have a payment due until XX/XX/XXXX. When I contact them they say I have to call every time I want to apply principal payment, I find very primitive, not only is that inconvenient but they also will tell you that you still have a payment due on XX/XX/XXXX. What they do is take all XXXX $ toward principal and nothing toward the monthly, so you still have payment due on XX/XX/XXXX, and if you don't catch that you're paying late fees and reported as late. They have other problems like not having any information for your loan available online nothing explaining this awkward system they use.
Product: Credit reporting or other personal consumer reports

I have recently reviewed my credit report and noticed some unauthorized accounts on my credit report and under 15 USC 1681 a number 3. XXXX, TransUnion, & XXXX assumed this role without permission not only that they did not have my consent. They did not respect my right to privacy which is under 15 USC 1681 a number 4. They did not exercise their grave responsibility, & is unfair, & partial. XXXX never had a permissible purpose Under 1681 b number 2. I never instructed XXXX to furnish this report and I never consented to this report in the first place.
Product: Checking or savings account

XXXX XXXX XXXX XXXX XXXX took over from Synchrony bank for the XXXXXXXX XXXX accounts. I made 2 payments to Synchrony XX/XX/2022 {$110.00} and XX/XX/2022 {$230.00} using my XXXX  XXXX XXXX on-line bill pay process. Since the payments were made to Synchrony I tried to work with Synchrony but they stated I needed to work with XXXX  XXXX XXXX which I have been for over 9 months. I am being told from XXXX  XXXX XXXX that Synchrony will no longer work with them and I needed to work with my bank XXXX to try and retrieve the funds back. However XXXX is informing me that Synchrony will not return their calls which mean I am out XXXX and XXXX  XXXX XXXX is charging me late fees and interest on the account. I have everything including the trace numbers for the transaction but none of the banks will help or take ownership to help me. I also understand that I am not the only person Synchrony is doing this too in speaking to the rep from XXXX  XXXX XXXX. This sounds like a class action law suite when individuals paid their accounts on time and now Synchrony bank is turning their back on consumers. I have all the information on every call I have made to try and get this figured out which is more than 20 calls over the pass 9 months. I need advise on where I should go next, this is now affecting my credit and interest and late fees are adding up. I am available and would appreciate some help. My wife filled the first CFPB complaint XXXX at which Synchrony responded with a letter stating I need to provide authorization for my wife to speak on my account- the number and extension they provided XXXX ext XXXX we called an no one answers and we are unable to leave any messages to get a call back. Totally unacceptable because we are trying to get this resolved
Product: Money transfer, virtual currency, or money service

I requested and received {$1000.00} XXXX dollars worth of Pesos from Bank of America for a vacation I took in XXXX to XXXX XXXX XXXX. 
The currency arrived as expected and I counted and confirmed in contained the correct value of pesos. ( Approx XXXX MX pesos ) I then went on vacation. 
I used my smaller bills on vacation since we did not spend very much money at all. The remaining currency I left with my in-laws who had an extended sat in XXXX. Included in this currency were two bills ; one for XXXX pesos and one for XXXX pesos. 
My Father-in-law subsequently informed me that he was having trouble with these two bills as they were not legal tender having been withdrawn from circulation in XXXX! 
I called Bank of America to see how to resolve this issue. They told me to have my father-in-law contact his local BOA branch in XXXX Texas to resolve the issue on his returned. When he did they were unable to help. He subsequently mailed the bills to me and I called BOA at XXXX. 
I gave them the confirmation number for the exchange : XXXX and they informed me that they could see the exchange but that it did NOT include a XXXX nor a XXXX peso bill!!! I told them that I did not care what their records showed as I had the bills in hand and know they were part of the original exchange. ( I have had no other currency exchange to pesos in years! ) and was very careful to ensure the " total '' value of the bills when I received them. I did not check for the validity of the bills that were sent to me and was not aware that these two bills were not legal tender when I received them from Bank of America.Bank of America are looking into this under case # XXXX
Product: Credit card

Victim of identity theft my identity has been exposed in data breach I have no acknowledgment of this account
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted this complaint to update this suspicious information. The 3 Credit Bureau must validate this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against it. 
XXXX XXXX XXXX  Balance : {$65000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted two letters within the last 60 + days to TransUnion XXXX XXXX solutions for them to either remove the eviction they are reporting on my report or send me all the documents they have to verify it including ( lease agreement signed ) etc. The first letter I sent out, they returned a letter back within 30 days stating that it is verified never sending me verification of any sort. The second letter I sent to them certified so that I was able to track when they received it. By law they have 15 days to respond to my second request and I still havent heard anything. My second letter was mailed out XXXX XXXX and my tracker stated that they received it that following Saturday XX/XX/XXXX. They sent me a letter telling me they received my letter XX/XX/2022. It has been 15 business days since then. I am very dissatisfied with the way this company is reporting to my consumer report and how they are handling it by not verifying any info. I know my rights and I will not stop until this is removed from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX 's client XXXX XXXX was a victim of ID theft. Her information was used to obtain medical treatment and services at a location in Colorado that she never authorized. Several collection accounts were established related to that service. While the majority of those accounts have been disputed with success, BC Services has failed to remove the data from her XXXX  credit reports ( obtained XX/XX/XXXX ) as outlined in the FCRA.The first formal dispute was provided to BC Services XX/XX/XXXX, and again XX/XX/XXXX and again XX/XX/XXXX. Even after submitting this information BC Services still attempted to collect on this debt after the data was provided to dispute this account as fraudulent. Address confirmation information was provided to BC Services to show she did not live at the address of the first established medical account as well as a police report indicating the issue was ID theft related. 
BC Service continued reporting of these accounts is a violation of the FCRA and FDCPA and my clients consumer rights.
Product: Checking or savings account

I have been a victim of fraudulent activity on my account. I have made a Police Report with the XXXX County Sheriff 's department under XXXX, in which I described how someone used my debit card information and charged nearly {$310.00} cents from my account. I called the dispute deparment of Midfirst bank, and told them that someone used my card, and the dispute department closed my case saying that someone had the card and used it physically. Some of the charges are as follows XXXX XXXX  XXXX- XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX- XXXX XXXX XXXX  XXXX  XXXX  XXXX XXXX XXXX car wash XXXX XXXX- XXXX XXXX XXXX There was even a XXXXXXXX XXXX  charge on the account for nearly XXXX. 


The police officer who took the report indicated that my information could of been taken with a " skimmer ''. 

The dispute department at Midfirst have failed to even look into this as well.
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. 

XXXX XXXX XXXX  I told XXXX, and Equifax to reinvestigate this account repeatedly .However the entire report is fraudulent and inaccurate. But how is this report verified with all the inaccuracy? 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.

Falsely reporting on the legend 2year history. I uploaded the proof this entire account is inaccurate and must be removed immediately
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX  debt bondage, which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a XXXX XXXX XXXX XXXX of Debt Bondage and would like for all listed account to be blocked and deleted company information from Experian, XXXX and XXXX. 

Please delete the following account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting or other personal consumer reports

This account was TRANSFERRED/SOLD and should no longer be reporting a HIGH BALANCE
Product: Debt collection

i 'm getting calls XXXX times a day from this number that I linked back to a company named Penn Credit, and they 're asking for someone who does not live with me, about something that I do not owe. I have not answered the calls. They keep leaving unintelligible messages on my answering machine. This has been going on for weeks. I do not owe any debts whatsoever. This is Harassment!
Product: Mortgage

In XX/XX/XXXX we discovered my wife had XXXX XXXX. We fell behind on payments due to me taking FMLA off work to care for her. We tried working with Wells Fargo to save our home. They put us on a Forbearance plan for XXXX XXXX XX/XX/XXXX. Then we tried to do a loan modification to catch up the missed payments and they have been very difficult to work with.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests to Equifax, the unverified items listed below still remain on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.

US DEPARTMENT OF EDU-Balance $ XXXX-Date Opened : XX/XX/XXXX US DEPARTMENT OF EDU-Balance $ XXXXDate Opened : XX/XX/XXXX US DEPARTMENT OF EDU-Balance $ XXXX-Date Opened : XX/XX/XXXX US DEPARTMENT OF EDU-Balance $ XXXX-Date Opened : XX/XX/XXXX XXXX DEPARTMENT OF EDU-Balance $ XXXXDate Opened : XX/XX/XXXX US DEPARTMENT OF EDU-Balance $ XXXX-Date Opened : XX/XX/XXXX US DEPARTMENT OF EDU-Balance $ XXXX-Date Opened : XX/XX/XXXX US DEPARTMENT OF EDU-Balance $ 10,689-Date Opened : XX/XX/XXXX US DEPARTMENT OF EDU-Balance $ XXXX-Date Opened : XX/XX/XXXX US DEPARTMENT OF EDU-Balance $ XXXX-Date Opened : XX/XX/XXXX XXXX DEPARTMENT OF EDU-Balance $ XXXX-Date Opened : XX/XX/XXXX US DEPARTMENT OF EDU-Balance $ XXXX-Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX-Balance $ XXXX-Date Opened : XX/XX/XXXX XXXX XXXX XXXX-Balance $ XXXX-Date Opened : XX/XX/XXXX XXXX
Product: Checking or savings account

XXXX XXXX XXXX XX/XX/XXXX I removed all my money from my previous bank in Western, NY and took cash to open an account in XXXX, SC as due to COVID I attended a football XXXX XXXX. I open up an account XX/XX/XXXX at XXXX XXXX branch in XXXX, SC account number was XXXX with {$1400.00}, this was all my money the service rep name that opened the account name was XXXX XXXX at XXXX. I was in need of money and returned to the branch on XX/XX/XXXX to withdrawal funds as I wait my debit card and I was advised there was no money as the bank made a random business to close the account, I was in a very difficult situation as no money unable to eat, or buy gas etc. I was then spoke to the branch XXXX who stated there was problems with theft in the apartment complex where I was placed to live by the XXXX school and the reason for closing my account. It looked odd opening up account with all cash. Well they issued a cashier check on XX/XX/XXXX and where mailing it to me I asked for the cashier check to be cancelled but they said it could not be done that I had to wait 120 days if check not received then they would issue another cashiers check. As a XXXX XXXX XXXX in XXXX XXXX ( XXXX XXXX ), I was lucky I was not homeless I can not tell you how difficult it was for me to buy food or gas with this situation they put me in. I spoke with my Uncle who is an attorney he wrote an email to someone he states is very high up in Bank of America in XXXX XXXX XXXX on XX/XX/XXXX she completely ignored him, also an attorney XXXX XXXX XXXX a cousin tried calling and got no satisfaction as well. I finished XXXX  school XX/XX/XXXX and went back to the bank to give them my correct address, they sent a, post card to me and I verified that address. Today XX/XX/XXXX I went to Bank of America in XXXX XXXX, NY spoke with a relationship XXXX XXXX XXXX who went above and beyond to assist us. She was even getting frustrated with the back office as she spent over an hour getting the run around. We learned that the cashier check was returned to them and destroyed on XX/XX/XXXX yet they did nothing about it they just kept my money and did nothing, never issued another check but they now said wait a week and I should receive one. I dont understand I opened the account with cash why do I still have to wait for a cashier check it may be another 120 days, how is this right? No money in over 5 months when I opened an account with cash and it was closed because of the area I lived in this is discrimination please help I could have been receiving interest they have cost me money and put me in a very difficult situation please help me.
Product: Credit reporting or other personal consumer reports

Subject : Request for Investigation and Correction of Erroneous Late Payment on Account Dear : CFPB I hope this message finds you well. I am writing to bring to your attention a discrepancy I have found in my consumer report. Upon reviewing my records, I noticed an instance of a late payment on an account for which I have never been tardy in remittance. 

The account in question is with XXXX XXXX, bearing the account number # XXXX XXXX XXXX XXXX. According to my records and diligent financial management, there has never been a late payment associated with this account. 

Consumer reporting agencies such as yours play a pivotal role in maintaining the accuracy of consumer information, and it is with this understanding that I urge you to thoroughly investigate this matter. I kindly request that you provide conclusive evidence, in the form of statements or documentation, demonstrating the alleged late payments on the aforementioned account. 

Should you find no evidence to substantiate these claims, I hereby demand that the erroneous late payments be rectified promptly. It is imperative that my credit report accurately reflects my payment history, particularly when it concerns payments that were made diligently and on time. 

I appreciate your prompt attention to this matter and anticipate a swift resolution. Thank you for your cooperation and assistance in ensuring the accuracy and integrity of my consumer report. 

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

I am filing this report with the CFPB to formally dispute several unauthorized accounts listed on my credit report. I am a victim of identity theft and request that these accounts be blocked from my credit file under Section 605B of the Fair Credit Reporting Act ( FCRA ) .According to this law, you are required to block fraudulent information on a consumer 's credit report within four ( 4 ) business days after receiving appropriate documentation. My personal information was exposed in the EQUIFAX DATA BREACH. PLEASE REFER TO THE EQUIFAX DATA BREACH SETTLEMENT REFERENCE NUMBER TO VERIFY MY VICTIMIZATION specifically 15 USC 16821c-2 ( a ). I am entitled to request that my accounts be blocked and deleted due to the unauthorized access to m personal information. The breach has compromised my data and I am concerned about the identity theft and misuse of my information. Please find my details below for your reference. Full Name : XXXX XXXX Social Security Number : SS # Date of Birth : XX/XX/1995 Current Address XXXX XXXX XXXX XXXX XXXX  XXXX. I kindly request that you take immediate action to block and delete all accounts that have been compromised as a result of this data breach. Additional, please provide me with written confirmation once this has been completed. If you require any further information or documentation to process my request, please do not hesitate to contact me at the phone number or email address listed above. Thank you for your prompt attention to this matter. I look forward to your swift response.