23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Dear Bank of America, I was surprised to find late payments reported on my credit report for XXXX and XX/XX/year>. I believe I made my payments upon receiving my statements, and its possible there was an issue with the delivery of my monthly statement. 

I am requesting the immediate removal of these late payments from all credit reporting agencies. Given our positive relationship, I kindly ask that you remove this 30-day late entry from my credit report and refund any late fees that were assessed. Additionally, I believe I was billed incorrectly under the Fair Credit Billing Act ( FCBA ), specifically 15 USC 1666b, 1681i, and 1692g. Due to these violations and the inaccurate reporting, I am requesting the immediate deletion of this account.

I would prefer to resolve this matter promptly and avoid any unnecessary complications for both parties. I appreciate your attention to this issue and hope to continue the positive experience I have had with your bank.

Your prompt response and resolution will be appreciated. Failure to comply may lead to further legal action to protect my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a XXXX Credit Card today XX/XX/2020 and unfortunately, I was not approved due to having several negative accounts on my credit report. I had no idea that these accounts were on my credit report because I did not open any of them. I have no idea who opened these accounts in my name without my permission but I have already filed a police report. I did not gain anything from these accounts such as money, goods, services or any other benefit and I never made any purchases or payments towards any of these accounts.
Product: Credit reporting or other personal consumer reports

The accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC XXXX. 

Hello The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC XXXX. 

Account name : XXXX XXXX XXXX ACCOUNT # XXXX Account name : XXXX XXXX ACCOUNT # XXXX Account name : XXXX ACCOUNT # XXXX Account name : XXXX XXXX ACCOUNT # XXXX According to the Fair Credit Reporting Act, whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates, according to 15 USC XXXX ( e ) ( b ).
Product: Checking or savings account

This is a follow-up complaint from the cases # XXXX and XXXX Last night, I received an email notification saying that USAA is closing my account without providing any reasons to why they are closing my account. 

This morning, I called USAA asking why I am not able to access my account and I was told by customer service that my account is being closed for fraudulent activities. The bank is also blaming me me for the fraudulent activity I reported. The bank is saying that I willingly gave access to people I do not know and added people into my XXXX account. All of these accusations are false. It makes no sense for me to go as far as filing complaints and seeking legal actions if I was the one providing strangers with my access. 

I believe I have been my phone was hacked or cloned since this incident ; I have been receiving numerous scam calls. 

I am aware that unauthorized EFTs fall under Regulation E of the Electronic Fund Transfer ACT. The XXXX money transfers were not completed by me. 

On XX/XX/XXXX - Another person from XXXX, NC was hacked/scammed through XXXX, and the bank refused to help her until she went on the news. She was drained {$1700.00}. 

https : XXXX This is exactly what happened to me. My next course of action will be contacting the investigative new reporter. All I want is my money back so I can move on with my life. 

I am going to continue to fight for this and I will go as far needed to make sure I am treated right. Rather than USAA victimizing their customer, they should try to understand and better provide services. I have been using USAA since XXXX and this is how I am being treated. Unbelievable. 

Also, due to the fraudulent activity and the possibility of my identity being stolen, I am not able to use my Social Security to open another bank or even apply for a small loan so I can pay my bills. This has affected me significantly.
Product: Debt collection

I am writing to file a formal complaint against WORLD FINANCE, a collection agency, for multiple violations of my consumer rights as outlined in the Fair Debt Collection Practices Act ( FDCPA ) and the Consumer Financial Protection Bureau 's ( CFPB ) regulations. 
WORLD FINANCE, with contact information at XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX, Phone number, XXXX, has failed to provide validation information as required by 12 CFR 1006.34 ( b ) ( 5 ) while reporting a collection account on my consumer report. This action directly violates my rights under the FDCPA and CFPB regulations.

Furthermore, I have not been given the opportunity to dispute the account in question, as mandated by 12 CFR 1006.34 ( c ) ( 4 ) ( i ). This failure to provide a fair and transparent dispute process is a clear violation of my consumer rights.

In addition, I believe that WORLD FINANCE has engaged in false, misleading, and deceptive practices in their collection efforts, further violating my rights under the FDCPA. Their actions are in direct contravention of 15 USC 1681s-2 ( 7 ) ( A ) and 12 CFR 1006.34 ( d ), which prohibit the furnishing of information to consumer reporting agencies without the required disclosures.

I kindly request that the CFPB investigate these violations and take appropriate action against WORLD FINANCE to ensure that my consumer rights are protected. I also urge the CFPB to take all necessary measures to hold WORLD FINANCE accountable for their unlawful conduct. 
Enclosed with this letter are copies of relevant documents supporting my complaint. I appreciate your prompt attention to this matter and look forward to a resolution that upholds the laws designed to protect consumers.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. I looked at my Equifax credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to 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: Mortgage

I received the payment stub in the amount of {$1000.00} without any explanation, without having received any communication about it. My monthly payment is {$780.00}. I have never been late in payment. And they know that I pay the mortgage with my social security and they know the amount that I receive. The amount of the collection is much more than my monthly income. And I was always informed that the payment would be lower annually. They never said it would go up. My monthly payment is : Principal {$180.00} + Interest {$430.00} + Escrow ( Taxes + Insurance ) {$160.00} = {$780.00}. The receipt received is : Principal {$180.00} + Interest {$430.00} + Escrow {$400.00}. I can not pay more than {$800.00} per month. I sent him an email, since they do not answer the phone, demanding an explanation and the only thing they answered is that in their records there is no authorization from me to answer the emails. 
XXXX XXXX// Southwest Stage Funding. Loan : # XXXX
Product: Credit reporting or other personal consumer reports

Companies Involved XXXX. XXXX XXXX XXXX. Equifax XXXX. XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX reported my account as a charge off/ Collection of {$770.00} as of XXXX. However, they continue to report the account as active with late payments with the recent report being XX/XX/XXXX. I have tried to have the issue corrected with the 3 credit bureaus, they claim to have done an investigation into the issue but continue to report this account as current. 

Deserve on the other hand claims my account is collection for an amount {$1800.00} in XXXX. They continue to report the account as active with the recent report being on XX/XX/XXXX. The credit bureaus have been of no help in addressing this issue. 

XXXX XXXX XXXX  charged off my account for an amount of {$530.00} in XXXX. I requested the credit bureaus and first premier to stop reporting the account as active since XX/XX/XXXX. They continue to report the account as active with the recent date being XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

This account is reporting on my credit report incorrectly. Please update or delete this account as it is inaccurate as has been paid as agreed. I have highlighted in the picture provided all errors. Remove charge-off comment as this account was paid off. Please Update or delete account status to paid as agreed or delete this account off my credit report as it has reported to my account inaccurately serval times. 

Account name : XXXX XXXX Account number : XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$150.00} INQUIRIES : XXXX XX/XX/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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX Account XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Dispute Regarding Unauthorized Collection Account XXXX XXXX I am filing this dispute regarding an unauthorized collection account reported by XXXX XXXX associated with Account No. XXXX 

- I have no agreement or contractual obligation with XXXX XXXX to validate this debt. 
- No verification or documentation has been provided to substantiate the legitimacy of this account, violating the FDCPA, 15 U.S.C. 1692g ( b ). 
- Their access and use of my personal information are unauthorized, violating 15 U.S.C. 1681b. 
- XXXX this unverifiable account breaches the FCRA, 15 U.S.C. 1681e ( b ).
Product: Bank account or service

My wife cashed her check & turned it into a cashiers check so we could deposit it into our account at USAA with little or no hold. However, since usaa has no branches & you can only use remote deposit, this deposit was not covered under reg c, so usaa placed a 5 day hold on the account. I have had an open checking & savings with usaa for over a year as well as my auto & renters insurance. I was simply told they could not do anything & the hold was go i ng to stay because remote deposit is not covered under reg c. If an institution does not provide you with the ability to deposit cash they should not be able to put indiscriminate holds on cashiers checks.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX Account : XXXX XXXX {$5800.00} Open On XX/XX/XXXX Account : XXXX XXXX {$250.00} Open On XX/XX/XXXX Account : XXXX. XXXX XXXX {$560.00} Open On XX/XX/XXXX Account : XXXX XXXX {$820.00} Open On XX/XX/XXXX Inquiries-XXXX XXXX XXXX XXXX On XXXX  XXXX XXXX XXXX XXXXNXXXX On XXXX XXXX XXXX XXXX is a Closed/Charge Off Account and it should not be any activity once the account is closed. Experian and XXXX are still reporting Late Payments on a Closed Account On My Credit Report. It also have 3 different dates and two different years for day of last activity. 

XXXX XXXX is Closed/Charge Off Account and Comments Say Experian and XXXX Disputed By Consumer. Also on Experian Date does not match, It is two different years for the day of last activity. Experian XX/XX/XXXX... XXXX XX/XX/XXXX... XXXX XX/XX/XXXX. Experian Open Date XX/XX/XXXX -- Experian Last Activity XX/XX/XXXX Is not accurate, how can a account date Last Activity come before opening up account. 

XXXX. XXXX is a Closed Account and Still reporting negative on Experian, it shouldn't be any activities once account is closed. It has two different years the date of last activity Experian XX/XX/XXXX and XXXX XX/XX/XXXX XXXX XXXX Is A Closed Account On XXXX and the Comments Say Account Information Disputed By Consumer. 

15 USC 1681 Section 602 A. States I have the right to privacy.

15 USC 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1692C ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Product: Credit card or prepaid card

I was issued a Goverment Bank of America debit card on XX/XX/2020. On XX/XX/2020, I started to call the bank 's customer service several times to make sure that card was on it's way and was assured that it was on its way and probably delayed. I never received it. After speaking to customers service on XX/XX/2020. I was told that the card was being used and there was only {$9.00} on the card. She immediately put hold on the card and issued me a new one. I was transferred to claims and was on hold for hours until the phone just hung up. It took a week for me to finally get through to claims. When I spoke to claims they put in a fraud claim and I received a letter that the bank stating it was fraud and will debit the money back into my account for the sum of {$19000.00} that was stolen. I continued to follow up with bank and was told by claims several times that the money is being processed and it takes some time and to keep checking. I was checking and calling getting the same answer saying my money will be deposited. Then I received a letter date XX/XX/2020 from bank that there is no error and I won't receive my money. No explaination or proof why. So I called several times to speak to speak to a supervisor and they will not help. I requested all the notes, transcripts and paperwork showing me how I am liable for this. Supervisor was even suppose to call me twice and no call. The workers are incompetent and could have caught and prevented this if they did their job or had better training and just looked at the account. The bank did not do any investigation or check cameras at bank for the perpetrator that used the card at its Atm 's. Please help?
Product: Credit reporting, credit repair services, or other personal consumer reports

SYNCB/TJX CO XXXX XXXX XXXX XXXX XXXX, FL XXXX Phone : ( XXXX ) XXXX RE : Account # XXXX Hey guys, My name is XXXX XXXX XXXX XXXX. 
I was going over my credit report and I wanted to get an account validation. 
Im in the process of getting my taxes and things in order and this is just something that I feel needs to be taken care of aswell. 
I am exercising my right to request validation on any debt that is alleged to me. 
In this climate of data breaches and such, I just need to be absolutely sure that none of my data has been compromised and used without my authorization. 
Im basically asking that you provide me with competent evidence that I personally have a legal obligation to pay you and that you are actually who you say that you are as well. 
When your offices provide the proper documentation as requested in the following declaration, I will need about 30 days to investigate this information. During such time all collection activity must cease and desist. 
Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. 
If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 
Im not looking to have you verify my name and address. Im actually looking for a few specific details and I will go ahead and list them below. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

My wife and I have a joint checking account with Chase Bank. 

On XX/XX/XXXX, I did a private sale of my XXXX XXXX for {$11000.00} ( transfer copy of title available ). The buyer settled this amount by making a part payment of {$3500.00} by XXXX and the balance in multiple {$20.00} bills. I then proceeded to deposit {$7500.00} into the ATM drive thru of the same branch where we have our bank account. As there were multiple {$20.00} dollar bills in cash, I made several deposits to complete my transaction.

Unfortunately at the end when the
Chase receipt was printed, it missed two of the deposits for {$1100.00} and {$720.00}. I have proof of
the Chase receipt issued and pictures of all the deposits taken on the phone.

Having realized that these two credits were missing, I reported this to Chase Bank as soon as I reached home and claim number XXXX was created the same day i.e. XXXX XXXX. I have been following up my case with Chase Bank ever since but they have denied my claim despite having submitted all the proof. 
I have my bank statement which shows all these credits on XX/XX/XXXX and also the two debits on XX/XX/XXXX ( for {$1100.00} and {$720.00} ) as the bank claims that they could not locate my money in the ATM. 
As I was not getting any resolution on my case with Chase Bank, I registered case # XXXX with XXXX Police Department to seek their assistance.

Unfortunately, its been over 2.5 months since I have been running after my money but I have had no resolution and Chase Bank has told me that they have closed the case.

Can you please help recover this money which rightfully belongs to me.

Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax and XXXX  are reporting 5 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 4th dispute letters to Equifax, XXXX  and XXXX  since XX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Product: Credit card

Check out Store clerk at TJ Maxx, told me she was opening a loyalty account and instead opened a credit card ( I repeatedly told her I do not want a credit card and she told me it is not a credit card ).
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft since XXXX of XXXX. Over XXXX accounts were opened in my name all around the same time period and all lenders have been notified. In addition I have filed a Police report with the XXXX and reported the crimes to the FTC. Citibank reported XXXX or more accounts in my name that were all opened by fraud and removed all but XXXX claiming the value was too high. I am filing this complaint regarding this decision. It has been determined that fraudulent accounts were opened in my name all around the same time with Citi bank and XXXX account can not be singled out because the " the value is too high ''. This is not acceptable. I have been in contact with Citibank and could not get this resolved.
Product: Credit reporting

I have submitted several attempts to get this information deleted from my credit reports as it is damaging to my credit and ability to find substantial housing for my family and I. As apartments will deny you with a bankruptcy. I have yet to receive a response in this matter at all from Experian, and I have disputed this information on different attempts. I have, however, reached out to the  US Bankruptcy Court of   XXXX   - an d they have assured me they have not given any of my information to any credit or reporting bureaus ; therefore there are no true validations to their claim. I did not file bankruptcy and this is incorrect information.