23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I had filed a dispute in XX/XX/year> about charges on the Bofa VISA card, which I explained to them were unauthorized as the card was not in my possession. 
They still continue to re-bill to the account and eventually, fees and interest charges kept accruing for the balance of {$270.00} to {$580.00}. 
They closed the account and sent the amount to Collections for a Charge-off. 

I received a refund from a merchant for {$1000.00}, which the merchant sent it back to the card for the original form of payment. 

Bofa VISA Credit proceeded to keep the deposit and deduct the balance and send me the difference. 

I called them asking about the {$1000.00} credit refund and they stated that it would be sent back to you, but I have yet to receive it. 

Then I received a letter from the Collections agency, which might be affiliated with Bofa for a collection recovery for this {$580.00} balance which they have already collected already by deducing it from the {$1000.00} credit refund. 
Certainly, looks like double-dipping on this account hoping I won't catch it. 

I am really upset and angry at how many times I have gotten the run around with Bofa Customer Service, the Fraud Dept., and the Consumer Credit Department. 

When I called again last time asking about the {$1000.00} balance, the customer service representative mentioned to call the Fraud department again to restart the process again. 

I am just loss for words for how Bofa has treated me given I have been with them for over 30 years. 

Thanks!
Product: Mortgage

M & T Bank has made multiple errors in processing my mortgage loan, loan # XXXX. I 've already filed XXXX complaint which they responded to, case # XXXX. However, when I disputed their response they ignored that dispute and the complaint is now closed. I need them to correct their mistakes as stated before and show that the mortgage is up to date. We have been paying as agreed since the mortgage was modified in XXXX 2014.
Product: Checking or savings account

I received a fraud alert text from Chase Bank on Wednesday, XX/XX/XXXX at XXXX XXXX  and within minutes, I alerted Chase Bank that there were 3 unauthorized charges to my debit card ending in the number XXXX. The unauthorized charges are as follows : XXXX XXXX - {$25.00} on XX/XX/XXXX XXXX XXXX NY - {$27.00} on XX/XX/XXXX XXXX XXXX XXXX XXXX  CA - {$63.00} on XX/XX/XXXX After the text on XX/XX/XXXX at XXXX XXXX, I promptly called Chase to dispute these charges, to cancel that debit card, and to get a new one reissued. I was given a " temporary '' credit for each transaction and I received my new debit card on Saturday, XXXX XXXX, XXXX. I even used the new card today which is XX/XX/XXXX. 

When I went to check my balance today, I noticed there was a new charge on XX/XX/XXXX for {$10.00} at XXXX XXXX AGAIN for {$10.00}! How could this be after I had already reported that card stolen on XX/XX/XXXX! 

SO, I called Chase Bank and was told by not one, but TWO people at Chase Bank that the card ending in XXXX was not " really closed '' and that someone had reopened it. I asked how this could even be allowed on a card that had a fraud alert and that I closed. I also asked how there could be 2 active debit cards on 1 account since I had received he new one and used it today. The second girl said she had to transfer me to an escalation department. When I spoke to the gentleman that answered the phone next ( He said his name was XXXX XXXX, he said that those 2 previous people must be mistaken and that the charges must have been charged previously, and then run through again. I demanded to know how this could be possible and I said I would be reporting this to the CFPB. When I said that, he said he couldn't talk to me anymore and that he was transferring me to an executive department. I sat on hold waiting to talk to them for 10 minutes and gave up.

How is it that a card I reported stolen on XX/XX/XXXX of XXXX, and that had already been closed, replaced, and in my possession by XX/XX/XXXX, could incur a charge on XX/XX/XXXX? Has Chase been hacked? Are there untrustworthy employees inside Chase? 

I need some answers. Please investigate. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a mail dispute to XXXX and Transunion about fraudulently filed bankruptcies ( XXXX XXXX and XXXX XXXX ) on both reports. I requested a fraud block and submitted all required documentation. However, XXXX and Transunion recklessly and without due course, refused my fraud blocks and validated the information as accurate. Both CRA 'S failed to conduct a reasonable investigation into the fraudulent bankruptcies.
Product: Credit reporting or other personal consumer reports

I am having a problem getting my annual credit and consumer report from Lexis Nexis, XXXX XXXX XXXX and XXXX XXXX. I want Lexis Nexis, XXXX XXXX XXXX  and XXXX XXXX to send me a complete copy of my annual consumer report via XXXX mail. Full Name : XXXX XXXX, DOB : XX/XX/year>, XXXX : XXXX, XXXX Drivers License Number is : XXXX
Product: Debt collection

Issue : Potential Violation of Maryland Property Laws Section XXXX   Deed in Lieu of Foreclosure Executed Before a Default is Invalid in Maryland XXXX XXXX XXXX re-assigned the Deed of Trust in XX/XX/2017 to Bank of America N.A., ( debt collector ) and recorded it with the Land Records Circuit Court. This practice is a potential property violation in Maryland. Furthermore, I was never informed of this process and have never consented to it.

The unlawful practice of this Deed in Lieu of Foreclosure and the fact that I am not made aware of what is happening in the Land Records is an obstruction of my due process of law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today on Monday XX/XX/23 at XXXX XXXX  I contacted Equifax to speak about fraud on my credit report, and been transferred over 5 times to the wrong department on a 12 minute call. It sounded like i was being transferred over to 2 different people back & forth which then ended in the representative ending my call.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX XXXX, I wrote to you requesting an investigation into items that I believed were fraud, 
inaccurate, and falsely reporting. To this date only response that I have received was computergenerated letter stating that you have ceased investigation of my credit reports because, in your 
opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a 
stall tactic on your part to grant you an additional 30 days to comply with my original request, but I 
believe it to be a blatant violation of the FCRA.
I have maintained a careful record of my communications with you for the purpose of filing a complaint 
with the FTC should you continue in your non-compliance.
I further remind you that, as in White v. Experian Information Solutions, 993 F. Supp. 2d 1154 - Dist. Court, (CD California 2014); you may be liable for violating the Fair Credit Reporting Act (FCRA) by 
recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged 
in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of 
discharged accounts.
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof 
of alleged items. I request to be provided with specifically the original application, contract, note, or 
another instrument bearing my signature.
In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT 
COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, 
COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.
I request this under 15 U.S. Code  1692g - Validation of debts. If information is not provided or the 
false reporting isnt removed; as in XXXX XXXX  XXXX XXXX Corp., No. 95-6445 (C.D.Cal. Nov. 14, 1995), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 
100% accurate credit information. Every step must be taken to assure the information reported is 
completely accurate and correct. The following information therefore needs to be reinvestigated
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 2 inquiries on XXXX  and 1 inquiry on Transunion that do not belong to me and I have reached out to the banks and they told me they will remove it and that I should also to reach out to the credit bureaus, I have done so. As of today they are still on my report. This is causing me major damage in obtaining a mortgage and financial damage. 

The inquiries are : XXXX XXXX and XXXX  on XX/XX/20 XXXX XXXX XXXX on XX/XX/20 TRANSUNION
Product: Vehicle loan or lease

On XX/XX/XXXX I filed a dispute with XXXX that my auto loan is being reported as inaccurate. This auto loan is open and has never been late with XXXX payments on time dating back to XX/XX/XXXX. The dispute result came back as unchanged. My auto loan is inaccurately reported as discharged in XXXX XXXX bankruptcy and listed as a derogatory account that is hurting my credit. An XXXX specialist informed me they are reporting information given to them by the creditor. I contacted the creditor and they informed me the auto loan is in good standing and there shouldn't be an issue with the reporting, but all of my disputes come back unchanged. On XX/XX/XXXX XXXX reported my auto loan went to a XXXX balance because it was discharged in XXXX  XXXX bankruptcy and this is not accurate. Between XX/XX/XXXX and XX/XX/XXXX the auto loan went from being listed in bankruptcy to open never late/pays as agreed. When I call the creditor, my auto loan company, they inform me they'll look into and state credit bureau 's often change accounts back to a status that's incorrect. From month to month my credit score dramatically changes because of inaccurate reporting. I need my auto loan to be listed as open, with the balance owed, and all XXXX payments that are pays as agreed/never late with all three credit bureau XXXX XXXX XXXX, XXXX, and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.
Product: Credit reporting or other personal consumer reports

Shows capital one inquiry that I didnt request a card for.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, XXXX XXXX, a mortgage lending credit and Verification service, was working with me and XXXX XXXX to verify that I am not disputing the debt with Portfolio Recovery. We are trying to verify and remove comments of disputes in order to finish for clear to close on my VA loan for a new home. Portfolio was very aggressive when we talked to them to the put that they did not want to verify that I was not disputing in their system unless I pay, they eventually said I was not disputing after talking to a supervisor then back to the agent. Comments were removed by XXXX XXXX and XXXX. Recently starting XX/XX/XXXX and XXXX, we have found Portfolio Recovery adding comments that I am In dispute Account Information disputed by consumer ( FCRA ) when they know from me and XXXX XXXX that I am not disputing the debt and lying on my report that I am. This is holding up my ability to complete my mortgage and clear to close on the house. I now have to contact XXXX  again to remove the comment and I have already told XXXX  on XX/XX/XXXX. I believe they are not following the FCRA and are in violation putting incorrect information onto my credit report. This has loss of cause time, stress, money, and my credit score for trying to complete the home purchase.
Product: Checking or savings account

I had a fraudulent charge on my account for {$470.00}. I reported this as fraud to Wells Fargo. I received a letter today ( claim # : XXXX ) that Wells Fargo found that because a PIN number was used, the transaction to have been made by me or someone I authorized.
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.

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. 

I have been disputing for 6 months and this company has broken several FCRA violations. This company has sent STALL LETTER AFTER STALL LETTER AND OFTEN JUST IGNORED DISPUTES! Instead of addressing the actual problem which is another FCRA violation. I will be filing an additional compliant with the XXXX  and XXXX! The presence of a derogatory rating on my account is causing me great concern. I am deeply worried about the impact it may have on my credit. It has already led to the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the SEVERE financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Product: Debt collection

This company FROST-ARNETT is sending letters and calls after I notified them that this account is NOT mine even violating the HIPA law in my person I sent them a certified letter on XX/XX/2022 and received a response on XX/XX/2022 but they date the letter like XX/XX/XXXX?? obviously in an attempt to justify if I delay under the law in responding to the evidence which is requested and what they proved does not show anything of my signature, only a document with my name and date of birth, indicating that I was a victim of identity theft in in the past even my credit report shows that information this account is NOT mine I have not been in any surgery, in addition to this action of collecting personal medical information is a violation of my HIPA rights the only time I was in the hospital was for XXXX XXXX and I did not have any surgery. I demand that this {$100.00} collection and phone calls stop. I include here evidence of when I requested that they prove to me what they are talking about and I included the HIPA law, in addition to the fact that I was NOT provided with the information I requested where I authorized the hospital to disclose any information on my behalf, they never provided said information.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, PA XXXX Is Reporting a Fraudulent account i have reported this account for over XXXX year and XXXX XXXX to side corporate scam, abuse of power, in conspiracy with big XXXX and abusing consumer with the reporting of ILEGAL AND FRAUDULENT INFORMATION XXXX XXXX XXXX # XXXX {$5200.00} Past XXXX XXXX Opened {$5000.00} Credit Limit {$5200.00} Balance Individual Account Revolving Account Type Closed Condition XXXX Date Reported {$0.00} Payment XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Current XXXX {$40000.00} High Balance {$35000.00} Balance Individual Account Installment Account Type Open Condition XXXX Date Reported {$650.00} Payment These Account are not mine and they are fraudulent i have told the for the past year
Product: Credit reporting or other personal consumer reports

Double Reporting by XXXX has reported a debt account number XXXX of {$550.00} on XX/XX/XXXX and has reported this debt for XXXX & XXXX and it as being closed on XXXX and XXXX on XXXX & Experian prior report date XXXX XXXX as of XX/XX/XXXX they still have been duely reporting this dept And this same debt was simultaneously being reported by XXXXXXXX XXXX XXXX XXXXXXXX XXXX on XX/XX/XXXX these XXXX reporting companies have discrepancies all over they accounts from closed to open and past due at from either {$0.00} to {$550.00} So I have XXXXXXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX and then again on XX/XX/XXXX All while on all three XXXX XXXX XXXX reported this same Debt XX/XX/XXXX as opened to some and closed on others CRAs which is in violation of the Fair Debt Collection Practices Act or the Fair Credit Reporting Act
Product: Credit reporting or other personal consumer reports

All my Federal Student Loans ( XXXX ) were XXXX through the Total Permanent XXXX unit at XXXX on XX/XX/2023. The adverse accounts were all removed from all 3 bureaus almost immediately following discharge. 

On XXXX XXXX XXXX, all the accounts have reappeared showing me in XXXX day default, and my scores dropped massively.
Product: Credit reporting or other personal consumer reports

1.I went to do a XXXX presentation for a time share. 
XXXX. They told me that I could run it like an XXXX XXXX XXXX XXXX I asked them did things change and they replied yes. 
XXXX. When I went to the bathroom, they had my son to sign as a co-signer and I told them that I DID NOT want my son 's name on the property. I wanted him to be the beneficiary. 
XXXX. I called back to complain and get my son 's name off and they decided to write it off and not put it into foreclosure due to them informing me misleading information. 
XXXX. I told them that I needed a XXXX XXXX  so I could get this off my credit report and it was not sent. 
XXXX. I also informed them that the amount on my credit is incorrect if it was written off/ charge off which I have proven documentation. 
XXXX. I need this removed off my credit report ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act the following accounts have violated my rights ; XXXX XXXX account number XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX account numbers XXXX AND XXXX XXXX XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I've submitted proper documents stating that I was the victim of Identity Theft. Nothing has been done.
Product: Credit reporting or other personal consumer reports

I have fraudulent accounts reporting on my credit reports and have disputed them numerus times. I recently filed a police report regarding these fraud accounts and have confirmed they were received by all three credit agencies. Even with the Police Report I am begin told that they can not and will not be removed! An investigation has to take place and the creditors are the only ones who can remove and or block the accounts in question. This is not RIGHT!!!! I have XXXX  % proof of these fraud accounts not begin mine! 
All XXXX  Credit agencies have overwhelming proof of these ID THEFT/FRAUD ACCOUNTS. Creditors keep saying these accounts are mine but will not provide any proof or documents to substantiate these claims. The following accounts are fraud. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the ( Transunion ) credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. 

I am filing this to report multiple fraudulent accounts appearing on my consumer TransUnion credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of various credit card accounts opened under the following details : XXXX XXXX XXXX Account Type : Credit Card, Account Number : XXXX, Date Opened : XX/XX/XXXX ; XXXX XXXX XXXX, Account Type : Credit Card, Account Number : XXXX, Date Opened : XX/XX/XXXX ; XXXX XXXX XXXX, Account Type : Credit Card, Account Number : XXXX, Date Opened : XX/XX/XXXX ; XXXX XXXX XXXX, Account Type : Credit Card, Account Number : XXXX, Date Opened : XX/XX/XXXX ; and XXXX XXXX XXXX XXXX, Account Type : Credit Card, Account Number : XXXX, Date Opened : XX/XX/XXXX. These accounts have resulted in several fraudulent hard inquiries and collections appearing on my consumer credit report. I demand these items removed in 4 days. 

These accounts have resulted in several fraudulent chargeoffs, fraudulent late payments, and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections, late payments, or chargeoffs as reported. The aforementioned accounts, collections, and chargeoffs appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, late payments, and charge-offs are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the aforementioned fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.
Product: Credit reporting or other personal consumer reports

The listed account continues to report on my credit report without my permission, in violation of federal law. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), this account must be verified ( A ). I will bring legal action against them if they do not verify this account. To help this situation be settled as quickly as possible, kindly uphold the law. 

XXXX XXXX XXXX XXXX XXXX Balance : {$550.00}.