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

XX/XX/XXXX - I mistakenly paid the Bank of America Card {$4400.00} instead of the vendor I had intended. 
XX/XX/XXXX -I called BOA and asked them to return the money to my account. I was told 'no problem, I've got you! ' XX/XX/XXXX -No money was transfered. Frequent checks to app to see my bank account did not receive the money. I was unable to pay the intended vendor fully. 
XXXX - no money was transferred. I called and was told they would escalate it to a manager. I was told 'It will take 2 weeks to transfer it to you " XXXX - No escalation evident after call. 
XX/XX/XXXX - No escalation or return of money. Person on phone waid I should send a fax copy of my bank statement to BOA so they can confirm the initial transfer. 
Around this time I received a letter dated XX/XX/XXXX stating they were looking into this. 
XX/XX/XXXX - Sent fax with my bank account info showing initial transfer. 
It is now 4 weeks with no resolution. 
Around this time I received a letter saying the money was 'transferred back to my account. ' Frequent checks on my bank account showed no transfer. 
XX/XX/XXXX - after frequent calls to BOA, I could not get my problem escalated to be a level where it could be solved. No return of money yet. I was now was told ' the transfer back to my account was complete '. That the date of transfer back to my account is allegedly XX/XX/XXXX. I was told a 30 business day waiting period was initiated on XX/XX/XXXX - 30 days after my first request. I was not given the info they required at that time. 
XX/XX/XXXX - Calls to my personal bank indicated there was no money waiting to be transferred into my account. 

Every call takes over an hour- the screening robo answering service is difficult to get through to a person. No person is able to assist and solve this problem. 

XX/XX/XXXX - My bank- XXXX XXXX- has initiated an investigation and may reinstate my account while waiting for the BOA. 

BOA has offered no assistance to shephard this issue through the system. I feel my money has been stolen. I don't know where it is.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see the documents that I've attached for further information regarding what happened.
Product: Credit card or prepaid card

On XX/XX/XXXX, I logged into my Chase account and saw that all of my personal and small business credit cards were closed. I was given no other explanation than I had too many credit lines open on my credit report and they have the right to close any account at any time if they choose to do so. I asked several Chase representatives to reconsider and I was told many times that the decision was final and there is no possible way to re-open them. I've never missed a payment on any credit card, loan, or even bill payment in my entire life, and my paycheck direct deposit goes to my Chase checking account every 2 weeks. Not to mention I use the business checking/credit cards for everything I do with my business on the side. 

To be treated this way by a bank who I've done lots of business with is despicable, as is their refusal to even consider the expectations of their customers. I also have a hefty amount of rewards points saved up that will now expire in a few days, so I need to use them immediately, rather than save them for when I am actually planning my next trip.
Product: Credit reporting or other personal consumer reports

I want to refile this please as my formal complaint to EQUIFAX for still allowing the fraudulent accounts on my credit report. I filed an identity theft with the FTC report number XXXX As I rechecked my credit report these are fraudulent accounts are still reflected on my credit report. I was expecting that I can count on them to protect my information and to provide accurate credit reports but they seems to neglect the responsibilities to provide accurate information to my credit report.
Product: Credit reporting or other personal consumer reports

I believe FCRA 605B mandates the removal of any erroneous accounts from my credit report. Can you review the documents? Several of the listed accounts are inaccurately reported.
Product: Checking or savings account

Someone accessed my personal records. In addition to this person held my mail, and on XXXX XXXX, she emailed me a picture of my mail asking me to pick it up, then refused to give it to me. I also think she accessed my webcam via that email. 

I believe this person has been signing into my bank account at least since XXXX XXXX but Truist Bank isn't doing anything about it. I have been emailing and calling their fraud dept. since XXXX XXXX, but no one will get back with me. They have accessed my bank account 24 times in the last 30 days from a XXXX computer using the XXXX browser, and I only use a XXXX computer using XXXX browser. 

On XXXX XXXX this person signed into my account and changed my password to a XXXX password containing scattered letters, numbers and symbols. I continue to be locked out of my own accounts because each time I try to change and re-enter my new password the XXXX fake password automatically repopulates in the password window and eventually locks me out. I also discovered that my SS # and the email that associated with my Truist account are now on the Dark Web! I never share my SS #, usernames, passwords or passcodes with anyone, and this started during the XXXX months I was her roommate in her home.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my personal credit reports and I noticed unauthorized inquiries had been made. I contacted the companies who conducted the inquiry to advise them that I did not authorize the inquiry and asked them to remove their credit inquiry from my credit profile but to no avail. XXXX : XXXX XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX - XXXX XXXX, XXXX XXXX XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX - XXXX, XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - XXXX XXXX, XXXX XXXX Equifax : XXXX XXXX XXXX - XX/XX/XXXX - XXXX XXXX, XXXX XXXX XXXX XXXX - XX/XX/XXXX - XXXX XXXX, XXXX, XXXX
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. Nordstorm : 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. Also as stated in NORDSTROM CREDIT CARD AGREEMENT LINE 10 STATES 10. CREDIT REPORTING ; INACCURATE INFORMATION. 
I hereby authorize TD Bank at its discretion to furnish information concerning my Credit Card Account to consumer reporting agencies and others who may properly receive such information. I may provide written notification by writing to Nordstrom at XXXX XXXX XXXX, XXXX, CO XXXX, if I believe TD Bank has information about me that is inaccurate, or that TD Bank has reported or may report to a consumer reporting agency information about me that is inaccurate. 
There in no inaccurate information of mine with this account all information is accurate as also stated from XXXX XXXX Operations Control Management Lead all information is accurate, but still refuses and continues to report against my will.
Product: Credit reporting or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these accounts immediately : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

i filed a complain this past month regarding a company that has been reporting false data to Experian. 

this company uses the same account number, but has different names for branches of its companies. 

this company was reporting these accounts as charge offs from i believe in 2016, but then also listed them as having past due amounts. 
Experian responded and appeared to have deleted one of these disputed items, but in printing out the report, it did nothing.

this violates the FCRA.

Experian must PERMAMENTLY DELETE all information that has be falsely reported, instead, it sends a boiler plate response, makes it look like it has deleted the item, but really has only " updated '' the date from when I dispute. 
They are doing NOTHING to follow the FCRA laws
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and I noticed that I have some unauthorized inquiries on my credit report I've reached out to Equifax to correct this issue already
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second and final attempt to get this matter resolved with out additional council from my states AG being involved. My 1st attempted complaint was sent to the CFPB XX/XX/21. Any further attempts will include additional complaints to the XXXX, FTC as well as my States Attorney General. 

My first letter to your company was sent in on XX/XX/21. My letter was to inform you of the erroneous, inaccurate, unverifiable, and incomplete items on my report. It was also informing you that my information was involved in the XXXX data breach. 


The listed items are completely inaccurate and incomplete. This is a very serious error in reporting. Please delete this misleading information, and supply a corrected credit profile to all creditors who have received a copy within the last 6 months. Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. You have had more than enough time to complete your investigation, and you have failed to respond with in that given amount of time ( 30 days ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well. 

I insist you finish your investigation by deleting the items in question and sending me a free copy of my credit reporting showing the changes have been made.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following inquiries were not authorized by me. Please remove the following accounts Transunion XXXX. XXXX XXXX  XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XXXX / XXXX / XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XX/XX/XXXX XXXX. XXXX XXXX  XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX / XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX  XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX XXXX. XXXX  XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX  XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid XXXX XXXX XXXX in late XX/XX/XXXX for the amount that's past due and that is on my credit report. I submitted a dispute with Transunion and XXXX, but they have updated the info rather than deleted. Also, I submitted a dispute for the XXXX XXXX that's no correct and even reports twice on one of my credit reports for XXXX. This account keeps is not mine and shouldn't be reported twice on any credit report. Also, in XX/XX/XXXX and XX/XX/XXXX, I was looking for a car, went to a car dealership and applied. Last month somehow 19 inquiries showed up on my credit reports. That is not correct and those inquiries should be deleted off of my credit report.
Product: Credit reporting or other personal consumer reports

Reporting act ( XXXX XXXX XXXX Account # XXXX ), has violated my rights. 15 U.S.C 1681 section 602 A. States I have the rights to privacy.

15U.S.C 1681 Section 604 A Section 2 : It aiso states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late any reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2017, I sent a letter to XXXX XXXX XXXX ( see attached ). I requested that their office provide me with competent evidence that I had any legal obligation to pay them. Specifically, I requested that they provide me with a summary of all account activities, including all payments made, late charges, interest, date of payments received, copies of charge slips, invoices, promissory notes and other documents proving indebtness, copies of all documents sent to me regarding this account and copies of any papers that show I agreed to pay what they say I owe bearing my original signature. To no avail. I received a letter from them dated XXXX.17 ; however, it is nothing more than a mere statement their office has generated with no further explanation nor itemization of what is allegedly owed. 

It is obvious their records to provide verification of this debt is non-existent and they are therefore in direct violation of my consumer rights. This blanket balance has no supporting justification and therefore should not be reflected on any of my credit reports.
Product: Debt collection

American First Finance called me in XX/XX/2018. I explain to them I would make a payment on in the first week in XX/XX/2018. I made a payment of XXXX. I was ask to give them a date I could make my next payment. I wasn't able to give them a date. I asked them to not go in my banking account to try to take money out of my account I don't have in my account and every time you all go in my account. I'm charge with a XXXX fee. On XX/XX/XXXX I receive another call about remaining balance. I explain to the agent. I spoke to someone already about the remaining balance I owe and it should be documented in the file. I asked her to please stop calling me. I'm going to pay you all your money. I will give you a call when I get the money. The agent stated we going to keep calling you and you have a bless day and hung up in my face.
Product: Debt collection

Aldridge / Pite, LLP is a third party debt collector with absolutely no authority to represent XXXX XXXX XXXX. as Trustee forPlaintiff, in the court file or in the record anywhere and according to FL Stat 2.505 ( e ) ( 2 ),  Appearance of Attorney : an attorney may appear in a proceeding in any of the following ways : ( 1 ) by serving and filing, on behalf of a party, the party 's first pleading or paper in the proceeding. ( 2 ) By substitution of counsel, but only by order of court and with written consent of the client, filed with the court ... Aldridge / Pite, LLP Law Firm are third party debt collectors, trespassers and interlopers and thieves trying to steal my home. They are not registered with the Florida Office of Financial Regulation or the State of  Florida.
Product: Credit reporting or other personal consumer reports

Well, I wrote letters asking for ( XXXX XXXX XXXX ) to the debt they are reporting on my credit report 40 days ago and have not gotten the documents giving them the rights to collect the debt.
Product: Mortgage

ISSUE : 1. Chase bank without authorization opened an impound/escrow account alleging that they received notice by the XXXX XXXX Tax Collector that my property taxes were delinquent AND CLAIMS TO HAVE PAID MY TAXES. ( NO SUCH NOTICE OCCURRED BY THE XXXX TAX COLLECTOR- I contacted them and confirmed a. that NEVER were taxes late b. They stated they would n't send such a notice to the LENDER if they had been and XXXX Confirmed MY checks received ON TIME/check numbers -XXXX Tax Coll AFFIRMS pmnts were made on time and in full ) 2. Chase claims to have paid my property taxes that they claim were late. 3. Ensuing mortgage bills included impound charges and late fees- I continued to pay IN FULL, as always and without exception, my regular principle and interest payment in full, on time, every month ( I DID NOT PAY THE ADDITIONAL BALANCES CHASE STATED I OWED PER THEIR ERROR ). 4. Chase now claims that my account is in deficiency, has adversely reported to Credit bureaus, and threatens foreclosure. 
FACTS INDISPUTABLE : My credit is over XXXX, perfect, flawless. I CROSS VERIFIED /CONFIRMED with my bank and with the XXXX XXXX Tax Collector the XXXX 1. my taxes were never late and PAID IN FULL ON TIME copies of checks verified XXXX. 2. XXXX Tax Coll NEVER received pmnt from Chase as claimed by chase, 3.. there is NO surplus balance reflecing on my XXXX Tax bill ( source : XXXX Tax Coll ) reflecting double pmnt 4.. XXXX has verified MY CHECKS by check number as the pmnts received cross ref w my bank- XXXX NEVER received Chase check as chase alleges. 
CURRENT STATUS : 1. I have contacted chase at least 8+ times over 8+ weeks, most calls over 1hour+ and they have NOT resolved the problem or damage to my credit and account- although they have acknowledged the mess ( only more recently ) not fixed it, nor have the corrected my billing statements- 2. I continue to pay the CORRECT amount of principle/interest monthly payment in full and on time every month. 3. I am being damaged professionally and personally because I now have adverse credit- Including IMMEDIATE urgency to purchase/rent property transaction where credit check is part of qualification - due to my credit damage to this negligence by chase and poss fraud, my life is upside down. THEY ARE HORRIBLE, HAVE NOW ADMITTED FAULT BUT STILL ARE NOT CORRECTING THE ISSUE.
Product: Debt collection

Request for Correction of Inaccuracies in Credit Report I am reaching out to address discrepancies present in my credit report, which your company has published and has led to my recent credit denial. The information in question pertains to the following accounts : Under 15 U.S.C. 1681i ( 7 ) Method of Verification, this account is in violation, reported without valid evidence : XXXX XXXX Account Number : XXXX Please remove it from my credit report. I want to stress that I did not provide written permission or instructions for these specific transactions to be included in my consumer report. I formally request the blocking and deletion of these accounts, and I emphasize that this request is not in error and is not based on any material misrepresentation of facts concerning the request for blocking these transactions. Your company seems to be in violation of the law, as outlined in 15 U.S.C 1681a 2 ( A ) ( i ), stating that a consumer report should not include : " ( A ) subject to section XXXX of this title, any -- - ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report! '' The law explicitly states that XXXX making the report should not be included in my consumer report. Utilization, as an experience related to the line of credit extended between the consumer and the reporting entity, should not be included in the consumer report, as clearly stated by Congress. I insist that you update my utilization to 5 % or below within 10 calendar days or remove all utilization from the mentioned accounts. Additionally, I demand that you provide all documents on which you are relying for reporting accounts ( XXXX ) and ( XXXX ) mentioned earlier. This request aligns with your obligations under the Fair Credit Reporting Act ( 15 U.S.C. 1681g ), granting consumers access to these records. The information you are reporting is damaging my reputation and adversely affecting my creditworthiness. Therefore, I request and demand that you remove these accounts from my file within 30 days, as required by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or verify these accounts. Apart from the removal of erroneous and unverified information, kindly remove all non-account holding inquiries over 30 days old. According to XXXX 's XXXX XXXX, XXXX XXXX, XXXX, " verification '' is defined as " confirmation of correctness, truth, or authenticity by affidavit, oath, or deposition. An affidavit of the truth of a matter stated, and the purpose of verification is to ensure the good faith of a party 's averments or statements. '' Failure to respond satisfactorily with the deletion of the above utilization & inquiries will result in legal actions being taken against your company, and I will seek {$1000.00} per violation for : Defamation of Character Civil Liability Fair Credit Reporting Act 15 U.S.C 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, ( confirmation # XXXX ), XX/XX/2019 ( confirmation # XXXX ), XX/XX/2019 ( Confirmation # XXXX ), and XX/XX/2019 ( Confirmation # XXXX ) all are copies of my Equifax credit report that I received from Equifax in regards to a recent dispute regarding account XXXX. Equifax has and continues to violate my consumer rights with the continuance of reporting this fraudulent/inaccurate account to my credit file. I've attached a copy of the police report along with my initial dispute indicating account XXXX in question which requires accounts established through identity theft or fraud to be blocked within 4 business days upon receiving per section 605B. It has been well over 30 days and Equifax has neither provided me with any physical documentation with my name or signature as means of accurate verification. In addition, Equifax has the incorrect address information ( XXXX XXXX XXXX, XXXX XXXX, AR ) pertaining to account XXXX listed on my Equifax credit report which also is considered inaccurate information and another violation of my consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent Transunion A dispute letter in XX/XX/2021 with no action and proper investigation has taken place. They took off two account but deletion is admission to error and they must pay my invoice and remove the other accounts. I sent another dispute with evidence showing the errors on my credit report since XX/XX/2021.
Product: Credit card

I had a Synchrony retail credit card for some roof work to be completed back in XXXX or XXXX. I had faithfully paid on the account and never missed a payment but today I received a letter from them advising me that they have closed the account. I immediately called to speak to someone because I wanted to know how a company just close an account for no reason, especially when they were getting paid. 
Their actions caused a major issue with my already fragile credit rating /report.