23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Sometime in mid XXXX there was fraudulent activity on my account. Bank of America flagged my account. I was unable to log in using the username I made and apparently BoA even changed my username due to it. Since I was still using the card, sometime aroundXX/XX/XXXX, I called in to get autopay setup to pay the full balance each month. Because of the flag, I could not myself view or setup payments/autopay in the app ( see attached photo ) ; this is still an issue as of XX/XX/XXXX. That was the last time I contacted BoA and I thought it resolved at least the payment issue. 

Fast forward twelve months, I get a call from Bank of America. I decide to log in and I was able to somehow recover my ( new ) username and password. I see a big balance which included interest. I had previously not been able to see this as I chosen paperless statements and due to the fraud flag I had trouble getting into my account. I was under the impression that autopay was previously setup correctly when I called before but apparently it was set to the minimal purchase and not full balance. 

Called BoA for the first time in a year. Spoke to XXXX in the fraud department on XX/XX/XXXX after being transferred multiple times/hanged up on. She informed me that my account is still under investigation for check fraud since XXXX. But she was not able to remove the flag or review details. She was however ; able to submit a reimbursement form for interest fees ( results to be determined ). I then hanged up the phone and went into my profile. The default XXXX email I did not recognize along with two other phone numbers ( see attached email showing I changed my contact info ). I quickly removed these fraud contacts and updated my profile. 

So essentially, I do not believe I should be charged interest on my balance for the last year. As of XX/XX/XXXX ; my credit card account is still flagged for check fraud by BoA. My login username was changed by BoA. I am unable to make payments in the app or setup/view autopay as BoA restricted my online account. A year ago I had to call in to setup autopay but apparently the service rep instead added it as minimal balance instead of total balance. I enrolled in paperless billing and my email on file was a fraudulent one. Yet BoA continued to let me use my card as normal.
Product: Student loan

Receiving phone calls on several occasions from a number in XXXX, Florida claiming to be providing loan relief. They have my contact information and my current billing address. I already answered and told them to stop contacting me, but they called again. It's super creepy and makes me very uncomfortable.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/2014 XXXX XXXX XXXXXXXX XXXX XXXX : {$16000.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$16000.00}
Product: Credit reporting

XX/XX/2015 I closed on a home using a conventional mortgage loan with Wells Fargo. My loan started reporting to credit bureaus that no payment information is available until XX/XX/2015 but reported as a conventional mortgage loan. Then it changed my conventional mortgage loan to reporting as a regular loan so it looks as if I have a huge personal loan out. This does n't show that I have variety of loans so it 's not benefiting me at all with my credit. I disputed the situation for the date of payments not showing correctly because there is proof and information that can be reported before XX/XX/2015 and also that my conventional loan is not reporting as such. Wells Fargo contacted me and I was told things were back correctly reporting and I would be sent updated report. I did n't receive an update of report. My credit report did for 30 days report my conventional mortgage correct but never did anything about accurately reporting my payment history information from the start which is XX/XX/2015. Then it went back to reporting partially incorrect ever since. It is a frustrating situation. I want to apply for a credit card but with things not correct with Wells Fargo reporting my credit I 'm not in the best situation to get the offers I may could obtain.
Product: Credit reporting or other personal consumer reports

It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a XXXX  for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXX XXXX XXXX XXXX, XXXX, IL, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, AZ, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX, AZ, XXXX XXXX XXXX XXXX, XXXX XXXX, AZ, XXXX XXXX  XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX Balance : {$2400.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX Balance : {$10000.00} XXXX  XXXX XXXX XXXX XXXX Balance : {$910.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$910.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$1100.00} XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Equifax after I noticed a few fraudulent accounts on my report. They deleted 2 out of 3, but have yet to show me proof of the information they used to validate the account belonging to me. 

I placed an initial 90 fraud alert on my credit with all 3 credit bureaus. 

Equifax has stated that the hard inquiries on my credit report they verified them factual and when I spoke with that on XXXX/XXXX/XXXX I explained to them that those inquiries was ran fraudulently.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX My credit dropped about XXXX point and my cosigners credit dropped about XXXX points randomly due to missed payments that were reported out of the blue by XXXX XXXX. I called XXXX XXXX to report this, and they stated that they gave me the run around stated that the information reported was false due to it being from XXXX XXXX and that I would have to check a credit company they report to, so I did, and it was still reporting that it was a late payment. so, I contacted them again and XXXX XXXX told me that I must dispute it, which I did, and my issue was resolved. Then, XX/XX/XXXX, mine and my cosigners credit dropped again. Due to the same information that was fixed was being reported again. I then reached out to XXXX again and they stated that it was a problem with the credit company and that I must talk to them, so I did and that stated that it was XXXXXXXX XXXX reporting that was the issue, so I called them again and was told that in their system they don't have me had ever been late, I filed a complaint threw XXXX to have the issue looked into and filed a direct report threw TransUnion, as a result they fixed my credit score again. Then XX/XX/XXXX, my credit and my cosigner 's credit dropped again. I repeated the same steps. I filed Disputes threw XXXX, TransUnion, XXXX XXXX, and contacted XXXX XXXX again and they still stated to me that I have never been late on a payment to them, and my credit was once again fixed. Now, XX/XX/XXXX, again my credit and my cosigners credit dropped again, I filed a dispute again and contacted XXXX XXXX  again and they refused to explain to me why this keeps happening, they refuse to fix it. they keep throwing me around and refusing to help me fix the problem. I've tried refinancing but I am unable to due to them making my credit horrible. I feel as if they are trapping me.
Product: Credit card or prepaid card

XX/XX/XXXX, I called to have an authorized user removed from my account. That took place. XX/XX/XXXX, I received a letter in the mail that stated that they understood that I wanted to add an authorized user to my account. It asks for handwritten information about the new user, and does not require any security checks to establish that I am aware of their being added. I asked XXXX in customer service, and she said that it was a glitch. No.
Product: Debt collection

Eastern Account Systems has falsely tried to collect debts from me 3 times. Each time I file a complain and request the debt be proved and they change the items on my credit report to {$0.00} balance, but leave it as it had been in collection with {$0.00} balance. I have requested they remove the fraudulent statements on my credit report and they will not do it. They work for XXXX/XXXX  XXXX  ( particularly WoW ) who give them false accounts and then they just accept the dispute and put it at {$0.00}.
Product: Credit reporting or other personal consumer reports

CFPB COMPLAINT REGARDING SYSTEMATIC INVESTIGATION FAILURES RE : Failure to Properly Investigate TD Auto Finance Account Credit Bureaus : Experian, XXXX, and XXXX RELEVANT CFPB ENFORCEMENT CONTEXT : The Consumer Financial Protection Bureau has recently taken enforcement action against Experian for conducting " sham investigations '' of consumer disputes. The practices identified by CFPB in their action mirror the exact failures demonstrated in my case : XXXX. CFPB-Identified Industry Problems : Conducting inadequate " sham investigations '' Failing to address consumer disputes properly Reinserting disputed information without explanation Providing ineffective investigation results XXXX. Identical Violations in My Case : Generic " investigation complete '' responses No investigation of XXXX XXXX XXXX auto-pay setup failure Failure to address documented evidence of bank error Reinsertion of disputed information despite fee waiver evidence DOCUMENTED INVESTIGATION FAILURES : XXXX. Failure to Address Key Evidence : Ignored XXXX XXXX XXXX  fee waiver on XX/XX/year> indicating bank error Disregarded documented auto-pay setup issues Failed to investigate timing of delinquencies immediately after account opening Ignored evidence of bank 's responsibility in payment processing XXXX. Inadequate Investigation Response : No details of investigation methods No documentation of communication with XXXX XXXX XXXX No explanation of how bank errors were verified No response to specific dispute points about auto-pay setup XXXX. Pattern of Systematic Failures : Generic responses lacking specific findings No evidence of actual investigation into bank 's fee waiver Failure to address documented creditor errors in payment setup No verification of reported delinquency dates against bank records LEGAL REQUIREMENTS VIOLATED : Under FCRA ( XXXX U.S.C. XXXX ), credit bureaus must : XXXX. Conduct proper investigations of disputes XXXX Review and consider all relevant information XXXX. Provide detailed investigation results XXXX. Document investigation methods XXXX. Verify accuracy of reported information SPECIFIC VIOLATIONS : XXXX. Investigation Requirements : Failed to investigate XXXXXXXX XXXX XXXX fee waiver admission No evidence of review of payment setup documentation No verification of auto-pay enrollment attempts No explanation of investigation methods XXXX. Documentation Requirements : Failed to document investigation steps No record of XXXX XXXX XXXX  communications No evidence of fee waiver review No explanation of conclusions XXXX. Notification Requirements : Generic responses lacking specific findings No explanation of verification methods Failed to address specific dispute points about bank error No documentation provided
Product: Debt collection

I requested in writing a validation of debt and a signed contract because I received collection from the same company XXXX XXXX XXXX XXXX XXXX XXXX  and they did not validate the debt and instead of validating the debt they reported after receiving my request for the debt validation to XXXX. I believe this is in violation of US 15 1682G. I want this deleted from all 3 major credit bureaus. I see this as harrassment and trickery to force me to pay them even though I don't have a validation of the debt or the accuracy of the actual amount owed to CITI. for account ending in XXXX
Product: Mortgage

I have been attempting to contact Amerihome Mortgage to have the value of my home re-evaluated so that I can have the PMI on my mortgage account removed. The value of my home has risen more than enough to put our account under the 80 % loan to value ration needed to have the PMI removed. I have attempted to follow their instructions twice now. Each time, I am told to write an email and wait 30 days. Two emails, two 30-day cycles, and numerous phone calls has resulted in being told that there is no record of my request and absolutely no one that I can speak to. All that I can do is send another email and wait and additional 30 days. Even though I have received confirmation emails, saying my email has been received, I keep getting told that there is no record of my request and, again, there is nothing that can be done except to submit another email and wait. 

I sent my first email to XXXX on XX/XX/2021. I then sent a second on XX/XX/2021. Upon speaking with a representative today, I was told that it did not matter that the 30 days had gone by, from the last email, and that I would have to submit another email and wait again. 

I feel like this is a very underhanded and deceptive way to keep a fee on my mortgage that I have every justification to have removed. I am told that I can not arrange to have my home value appraised on my own and that Amerihome must arrange it. Yet, I can not get in touch with anyone. 

We are struggling through these times and are making efforts to keep in good standing. We have not missed a single payment nor have we been late on any payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have an account on my Equifax credit report that is reporting negatively and hurting my score and ability to get financing. It is XXXX XXXX XXXX. I do not believe this is my account, so I contacted Equifax on at least three separate occasions asking for more information about this debt, under the FCRA section 609, which specifically states that a credit reporting bureau needs to give me some sort of proof of my original contract or other identifying information showing that I had an agreement or debt with this company. By law, Equifax is supposed to get any information about this debt from the company and then give that to me. After at least three attempts to get any information about this debt with XXXX XXXX XXXX, they have yet to provide me with any information showing this is my debt. All they keep writing to me is that this debt remains verified. I am not asking for verification. I am asking for original documents that they by law have to give me, under FCRA 609, proving that this debt is mine. They are still reporting negative information on my report and it is causing me emotional and financial harm. They are blatantly breaking multiple laws under FCRA. If the validity of the account at XXXX XXXX XXXX can not be determined, then it must be deleted. I want to hold Equifax accountable and in contempt of these laws, and make sure that justice is served.
Product: Debt collection

Someone called me from Regional Acquisitions Group named XXXX XXXX, claiming that I owe {$1300.00} from an overdraft from XXXX ( he was unsure of the date ) he said from XXXX and that a group of lawyers has now been assigned to use their legal powers to seek judgment against me. He stated that he was able to reduce the debt to {$620.00} if I were willing to pay him, saving me money and going to court. I then said where can I call you at and he stated I could call him at XXXX.
Product: Credit card

I have no knowledges of this closed account and it is hurting my credit and chances of being approved for other things. I sent a letter to the creditor requesting an investigation be done on XX/XX/2024. I did not receive a response. After 30 days I sent a follow up email requesting they show me the investigation process they took and answer some verification questions. I still did not receive a response. I am now reporting it to CFPB to get help with this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 8th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXXXXXX XXXX XXXX XXXX XXXX : - XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$4500.00} XXXX XXXX XXXX  XXXX Balance : {$3300.00} XXXX XXXX XXXX XXXX XXXX XXXX {$8800.00} XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$8800.00} XXXX XXXX XXXX XXXX XXXX : {$2700.00} XXXXXXXX XXXX XXXX  XXXX Balance : {$3300.00} XXXX XXXX XXXXXXXX Balance : {$8800.00} XXXX  XXXX Inquired on XXXX XXXX, 2023
Product: Vehicle loan or lease

After becoming 60 days behind on an auto loan I called XXXX XXXX XXXX to arrange payment of two payments in two days ( when I got paid ) the representative refused to accept the post dated payment and demanded I made payment that day or the the loan would be put into default and the the car repoed in which I couldn't for two days and I was hung up on. Car was repoed a few weeks later. Not only was I not sent any of required documents regarding the sale and the remaining balance personal items including a GPS several hundred dollars worth of my wife 's school books and other things where left in the vehicle and after several attempts to get these personal items they continued to refuse unless some form of payment was made.
Product: Debt collection

NCCI Debt Collection Representatives is calling me repeatedly and using profane, vulgar and abusive language, making threats of taking legal action against me for garnishment of my wages, calling my employer to make me lose my job, getting me sent to jail and prison and making threats of violence and death against me for a XXXX XXXX  XXXX XXXX account # : XXXX, the amount of the debt is {$30.00}, XXXX thats a fraudulent and unauthorized account that dont belong to me. This extremely frightening and very disturbing to me. I am in fear of losing job and life because of the severe and numerous threats I have received from NCCI Debt Collection Representatives.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$1300.00} ; XXXX XXXXXXXX Balance : {$3600.00} ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$1100.00} ; XXXX XXXX Balance : {$470.00} ; XXXX XXXX Balance : {$9900.00} ; XXXX  XXXX XXXX Balance : {$47.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$300.00} ; XXXX  XXXX XXXX XXXX : {$58.00} ; XXXX  XXXX Balance : {$230.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX  ( OriginalCreditor : XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$310.00} ; XXXX XXXXXXXX Balance : {$1000.00} ; XXXX XXXXXXXX Balance : {$1100.00} ; XXXX XXXXXX/XX/XXXX ; XXXX ; XXXX XX/XX/2022.
Product: Credit reporting

I originally submitted a complaint against Equifax Credit Reporting Agency as I could not get my annual credit report for the past 4 yrs. After filing the complaint with you, Equifax mailed me my credit report at my address on XXXX XXXX XXXX in XXXX, NV. on XXXX XXXX, 2016. My first name was spelled wrong, it 's XXXX not XXXX and, more important, my birth date was wrong, it is XX/XX/XXXX NOT XX/XX/XXXX. I called and told them this and they gave me a fax no : XXXX and told me to give the following information on the cover sheet : name, social security, email address and phone no. I then faxed over a copy of my birth certificate and a copy of my social security no. XX/XX/XXXX, with a request to mail me a corrected credit report ( for free ) to insure the corrections were made. I have the receipts. Then I received a letter today, dated XX/XX/XXXX that stated the information I gave them did not match the information they currently have on file. Well, that 's pretty obvious.THIS IS BECAUSE THEY ( not me ) HAVE THE WRONG INFORMATION. The letter states I MUST submit the following : birth certificate ( I did ), XXXX ( I am retired ), pay stubs ( I receive soc. sec., I 'm retired ) and copy of my social sec. card ( I did ) It also states I must submit a copy of my driver 's license, rental agreement, utility bills etc. to verify my address. My address IS ON MY CREDIT REPORT AND I HAVE RECEIVED ALL OF THEIR MAIL AT THIS ADDRESS at XXXX XXXX XXXX, XXXX, Nv XXXX. Why do I need to verify this??????? I called their customer service no. today and was shocked. They told me that they did n't know what fax no. the XXXX belonged to and gave me a new fax no. of XXXX/Dispute Depart. and in the letter it says I have to pay for the credit report. I have no idea where all my private information has gone. They should not be allowed to function as a credit reporting agency. I would like you to fine them so much money that they might become a better company and certainly more organized. They are handling people 's lives. Your credit affects everything. If they are so concerned about protecting your credit then they should get this under control ... who knows who has all my personal information? Please make them correct my credit report and issue me a free one reflecting those corrections. The information with the other XXXX credit reporting agencies are correct.