23daVinci/CFPB_Complaints huggingface dataset:
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 U.S.C 1681. 
XXXX XXXX acct. num. XXXX XXXX XXXX acct. num. XXXX amount {$2800.00} XXXX XXXX acct. num. XXXX amount {$420.00} date XX/XX/XXXX XXXX acct. num. XXXX amount {$860.00} date XX/XX/XXXX XXXX acct. num. XXXX amount {$750.00} date XX/XX/XXXX XXXX XXXX acct. num. XXXX amount {$100.00} XXXX acct. num. XXXX amount {$11000.00} XXXX XXXX acct. num. XXXX amount {$690.00} date XX/XX/XXXX XXXX XXXX XXXX XXXX amount {$14000.00} date XX/XX/XXXX XXXX XXXX XXXX acct. num. XXXX amount date {$2300.00} XXXX XXXX acct. num. XXXX amount {$350.00} date XX/XX/XXXX USDOEXXXX acct. num. XXXX amount {$22000.00} date XX/XX/XXXX USDOEXXXX acct. num. XXXX amount {$10000.00} date XX/XX/XXXX XXXX acct. num. XXXX amount {$710.00} date XX/XX/XXXX XXXX acct. num. XXXX amount {$180.00} XXXX acct. num. XXXX amount {$790.00} XXXX acct. num. XXXX amount {$440.00} XXXX XXXX acct. num. XXXX amount {$340.00} XXXX acct. num. XXXX amount {$440.00} 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 have reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Im a XXXX adult on my credit report is said that I opened up a XXXX account on XX/XX/2020 and it was last reported on XX/XX/2020 The company that is reporting this debt is Enhanced Recovery Company.
Product: Mortgage

my mortgage was sold to bayveiw loan servicing about 14 months ago they doubled my payment because they miscalculated my escrow I was told to fax a letter requesting an escrow analysis I did and they said 30 days later they did not receive the fax It took almost 8 months to get it straighten out They would not allow me to talk to the escrow dept. XXXX XXXX I switched checking account and faxed them letter and voided check on new account and now XXXX they again have no record of it. They tod me in the beginning I could not e-mail the info and now they tell me I can they also will take the new routing # and account # over the phone but will not stop the payment from the old account. They are making it hard for me to make payments on time and there customer service is to there advantage I 'm paying fees for there lack of customer service and also there reporting late payments to them when it is there service that is causing payments to be late.
Product: Credit card or prepaid card

I applied and got approved for BOA Travel Rewards credit card back in last XXXX upon the representative 's recommendation and he assisted me in branch for that process. I was told that I will get the bonus credit ( XXXX points ) for the Travel Rewards Card which mentioned will be added within few weeks after my required spending is sufficed. 

After few months later, I noticed that I still have not received the bonus points and reached out to the same rep ( XXXX XXXX in XXXX ) but the only answer I got was he is no longer at the branch. 

Then I also contacted customer service but they only told me that they will review the case and will let you know by mail. And the letter that I got was saying that I won't be rewarded with those credits since I was not under promotion. 

I am quite upset and frustrated about this event and feel like I got scammed by the representative / BOA. 

Complaints were completely ignored by BankofAmerica after many, many attempts - calls, emails - over the span of 12+ months. 

I hope CFPB can help resolving this issue, thank you.
Product: Checking or savings account

XXXX XXXX XXXX XXXX XXXX with PNC Financial. 
I transferred my XXXX XXXX from XXXX to PNC Bank. I was told the funds would go in to a much better XXXX XXXX retirement account XXXX money market fund. I have the paperwork that says XXXX ANNUITY. The 11 months passes and I noticed my XXXX had gone down instead of up. I call XXXX - he said oh you are great and set for life with this XXXX XXXX XXXX policy. I said this is not what I agreed to do with the XXXX XXXXXXXX. 
Long story short : XXXX said I can not take any money from this life insurance policy or I will receive a penalty of {$4900.00}. I have to leave the money in the life insurance policy for at lease 8 years. The maturity date is XXXX - I'm not kidding I have a copy of that date. I'll attatch if I can. 
At this point I just want my XXXXXXXX XXXX  money returned ( would be nice to get the 11 month annuity amount of {$57000.00} ) and something done about XXXX XXXX XXXX XXXX XXXX XXXX to unknown retired folks. There's no way I'll live to XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I'd Really like for Equifax to take a look at the negative item that Ive listed below, because Ive tried again and again to make sense of what Im seeing. unfortunately. I cant make heads or tails of this and need your help Ive found multiple inaccuracies and Im aware that your job is to ensure the accuracy of my credit report. if you would, please investigate these item and send me a new credit report reflecting the changes ( I would appreciate it if youd expedite this because i need to apply for a job ). if you really look at the info that ive provided, youll see why ive said these arent reported correctly what i cant figure out is why im seeing this information to begin with, because arent you supposed to verify everything before it every hits my credit report i really dont think that youve done this so i would really like for you to fix this now. please investigate the following account : XXXX XXXX XXXX # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to FIX a portion of the data in my credit document ; not withstanding, there are still a many items to be updated. Section XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) require the XXXX credit bureaus to confirm these items ( XXXX ). ( A ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I check all three of my credit reports weekly as I am building to an idea score so i can rent a townhome and have had false reports on my statements before that damaged my credit. On XXXX XXXX I discovered a collection account on my XXXX and XXXX reports from NATIONAL CREDIT ADJUSTERS for {$430.00}. It claims the account was opened in XXXX of XXXX however through XXXX XXXX. I've not applied for any loan or given my information to anybody nor have I received any communication or mail that a loan was given out in my name or in jeopardy of being in collections. I tried contacting XXXX  who were the original creditors, it was stated they had no record of me applying for any loan or receiving one and that I would need to discuss the matter with the collection agency which is has prompted me to open this investigation. I have not applied for any loan or financial assistance since XXXX and all my collections were paid i moved to a new location and updated all my addresses prior to XXXX and am unaware where my information could've been gathered to use for this purpose. i spoke to national credit adjusters today updated my contact info since the address and number the had were not accurate and have asked for validation of debt.
Product: Checking or savings account

I have received 2 emails from the bank, stating that my online banking access has been processed, and that my email address has been changed, respectively. Both transactions were NOT initiated by me. 
I have called the bank. For the online access I have received a reference number and the assurance that online access has been blocked. For the email address, the back refused to revert the fraudulent change, for reasons which I not fully understand. 
I am concerned that the fraudsters will try again and be able to access my account, whilst I am not able to prevent this.
Product: Mortgage

XX/XX/XXXX : We bought a new home and created a bridge loan on our old house which meant we had to utilize a new banking lender : Ameris Bank Mortgage. We closed on two loans with Ameris Bank. The first one was a bridge loan the second was a conventional mortgage on our new home. We escrowed taxes on both properties. 

XX/XX/XXXX : We rented our home with the bridge loan and things were fine. 

XX/XX/XXXX : We put our house on the market that had the bridge loan. 

XX/XX/XXXX : We sold our house and were closing on XX/XX/XXXX XX/XX/XXXX : My closing attorney told me that there was a XXXX on the property due to non payment of property taxes, and that a third party had bought the taxes. 

XX/XX/XXXX : Called the bank and they expressed that they didn't pay the taxes on time but the taxes should have been paid on XX/XX/XXXX and that they did pay the penalties and the interest associated with the delay in tax payment. 

XX/XX/XXXX : Closing attorney was still seeing the XXXX on the property even though the taxes were paid. He said wait a week to get the release so that the closing could go through on XX/XX/XXXX. 

XX/XX/XXXX : Closing attorney said the XXXX was not released yet XX/XX/XXXX : Called my mortgage broker to ask for executive numbers to take care of this situation. 

XX/XX/XXXX : Talked to XXXX XXXX who is the XXXX of Ameris Mortgage and was very sorry this had happened and was going to take care of the situation. 

XX/XX/XXXX : XXXX was released and the closing will go as planned. 

If I hadn't been closing on my house I could have lost my own house because of this Ameris Bank negligence. How many times has this happened? What can prevent it from happening?
Product: Credit reporting, credit repair services, or other personal consumer reports

I was not able to view my Experian credit report through XXXX ; the site did not give me any explanation for why it couldn't display my report ( N.B. I made sure to unfreeze my credit report before using XXXX ). I have an account at experian.com through which I was able to view my credit report directly, and I found the same bad address there. I attempted to dispute it through the process in the app at experian.com, and it didn't work. Like, literally, when I started the dispute process and told it that I wanted to dispute a bad address, nothing happened. At this point I gave up.
Product: Credit reporting, credit repair services, or other personal consumer reports

A Walmart credit card account was recently added to my credit report with a balance and a history of being opened for 6 years. I have never opened any account with Walmart. I do not have any Walmart credit cards. I barely even shop at Walmart. My credit score has decreased by 11 points and my account inquiries have increased. This is unauthorized!
Bureau Name : SYNCB/WALMAR Age : 6yrs, 2 months Balance : {$590.00} Date Reported : XXXX XXXX 2017
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am extremely disappointed that inaccurate information has been included in my credit report. The Fair Credit Reporting Act gives me the right to dispute any such information, and I demand that this be rectified as soon as possible. I understand that creditors are required to document and validate the data in my credit report before using it. I find it unacceptable that allegations of delinquency and derogatoriness against me have been made, which are completely false. I will fight back with all my strength, but I need evidence that supports the negative status of my accounts. I request that you provide proof of a permissible purpose for the inquiry or account within my report. 

Listed below are the Accounts that are being challenged : XXXX XXXX XXXXXXXX - XXXX This is also completely inaccurate. - This is paid as agreed and should not be reported negatively on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am victim of identity theft. I placed a fraud alert on my credit XX/XX/2020 that should last a one and requires contacting me via phone before any new lines of credit, accounts, loans or leases are opened. 

XX/XX/2020, I was alerted that a new Account appeared on my credit from " XXXX XXXX XXXX ''. I followed up with the Identity Guard Services I have purchased to get a number for this vendor. 

I spoke on the phone with XXXX, XXXX XXXX customer representative, and they could not explain clearly why they ignored the fraud alert and allowed an account to be opened in the amount of {$2400.00}. They did however, say they would get it to the fraud department and begin the investigation. 

I was also informed that the fraud department would follow up with me with 72 business hours. I requested to be transferred or inquired if there was a number to speak with the fraud department but was informed there was no number to contact and they would contact me.
Product: Debt collection

On XX/XX/2020, I sent a USPS certified letter ( tracking # XXXX ) to Credence Resource Management LLC to provide verification and proof of debt. I copied and pasted below the same letter I sent to them, but I crossed out my personal information for today 's complaint. On XX/XX/2020, I only received an XXXX XXXX XXXX bill and a letter stating, " Our office is in receipt of your request to verify the above referenced account. Enclosed is the account summary response to your request. If you have any questions or require any additional information, please do not hesitate to contact our office at the number listed above-Sincerely, Credence Resource Management LLC '' I did not receive any information that I requested for verification, primarily if they are legally licensed in my state since their office is located in Texas. 

Copied & pasted letter below XXXX XXXX Name : XXXX Creditor Account No : XXXXXXXXXXX Credence Reference ID : XXXXXXXXX This letter is sent in response to a collections phone call I received on XX/XX/2020 at XXXX pm from Credence Resource Management LLC. I am requesting that you provide verification of this debt within two business days of receiving this letter to my home address, XXXX in order to speed the process and stay within the 30 days. 
Please send the following information : 1. The name and address of the original creditor, the account number, and the amount owed.

2. Verification that there is a valid basis for claiming I am required to pay the current amount owed.

3. Contract with proof of my signature. 
4. Details about the age and amount of the debt including a copy of the last billing statement from the original creditor ; a detailed explanation of any interest added or payments made since the last billing statement and the legal authorization for this interest ; the date the original creditor claims this debt became delinquent.

5. Please also note whether this debt is within the statute of limitations and how that was determined. 
Please also forward details about your authority to collect this debt : whether you are licensed in my state and if so provide the date of the license, name on the license, license number, and the name, address and telephone number of the state agency issuing the license. If you are contacting me from outside my state, provide the licensing information from your state as well. 

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

The XXXX accounts on my credit report are wrong and I was not able to pay these accounts. I have attached proof on complaints I have filed with other agencies trying to get help on being able to pay accounts online. When I call in, it takes almost 45 minutes just to make an payment by credit card. I still don't get any billing from XXXX. 


They repossessed an ATV without providing any communication or billing sent to me. They also contacted my father and made treats to him about my accounts and told him my account information. 

I have also attached emails from the person who contacted me that is not with bank. He also contacted my father and provided information about my account which is against the law. I received obsessive amount of phone calls from this guy while at work. 

Below is accounts on credit report. 

XXXX XXXX Last reported XX/XX/2019 {$1600.00} Reported balance Highest balance {$1600.00} XXXX XXXX Last reported XX/XX/2019 {$3200.00} Reported balance Highest balance {$10000.00}
Product: Checking or savings account

On XX/XX/23 at XXXX, a call was made to Chase bank requesting a transfer of money from one of my checking accounts to another. This person ( s ) had stolen my purse and phone. They called and requested money switched into one account. Then proceeded to unlawfully use my cards at XXXX, XXXX, on 3 charges using these debit cards. One of the charges was declined for some reason. They were able to charge the two. Chase had sent out confirmations that I was using my card. The criminals had my phone and somehow were able to use it even though I had a passcode lock. They answered these text or email confirmations. ( I think text but I am not 100 % sure ) Chase bank has denied my claim twice already, stating that I didn't provide enough information and that they are not allowed to do any criminal investigation on their end. They denied my claim also stating that my phone should have been passcode locked, which it was. I have no way of knowing how they got into my car and unlock my phone. So I feel Chase needs to update their protocols on why they deny claims. Technology has advanced. Criminals have ways of getting past code locks on phones as well as cars from what the XXXX XXXX XXXX has told me. I also asked the Detective to request surveillance footage though both dept stores were unable to help. I have an issue with Chase as they have also denied any further review of this situation in order to reopen this claim, and they state that its been past the 30 day claim reopening window. Which I think its not lawful and just a rule created to save them money.In my possession, I have a record of all fraudulent charges, including the ones on my XXXX XXXX, and fidelity credit cards, as well as the ones on my Chase debit cards. I have a date and time stamped parking lot ticket from the day in XXXX XXXX parking lot, as well as all of the records of the charges, the police report filed that shows my XXXX was stolen along with all debit and credit cards, I have a receipt that shows a new phone at XXXX was purchased to replace the stolen phone.
Product: Credit reporting or other personal consumer reports

Equifax XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX & XXXX XXXX I am requesting a reinvestigation of the following accounts Listed below Account Name : XXXX XXXX Account Balance : {$XXXX} Dispute Reason : The payment history is reporting incompletely. There are many years that are missing data. It also says that this account is a collection but that is not reflecting on the account type. The monthly payment is also inaccurate. 
Were requesting a thorough reinvestigation of this account. Please make sure that all aspects of this account are reported 100 % completely and accurately. Per 15 USC 1681 et seq., governs access to consumer credit rep
ort records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ). A CRA is an entity that assembles and sells credit information and financial information about individuals
Product: Bank account or service

I opened an account with Pentagon FCU in XX/XX/2015. I also had an overdraft protection account of {$500.00}. Sometime the following year I cam behind in payments on my overdraft protection account loan ending XXXX. At that time Pentagon FCU denied me access to my checking account in which I had direct deposit. The froze my debit card in which I would have no access to my money because there are no branches in the state of XXXX, on top of that they required that before I be given any access to my direct deposit that I bring my account current. Even though I told them that I was unable to pay at the time and was willing to work other arrangements. As a result I was unable to pay my rent or car payment and my car was repossessed. Please look into this as I feel my rights were violated. They did give me the option of having my money XXXX XXXX to me but that was only after i brought my account current.
Product: Consumer Loan

My car has been reported a total loss. Ford Total Loss Department and my insurance compnay drug their feet throughout the process causing my account to become severely delinquent. They over valued my car, and now I am stuck paying for the negative equity from my previous car financed thru them. My payment was reduced down to {$210.00} approximately for 36 more months, mind you I have no car. They harass me and threaten to charge off loan when the loan becomes 2 months delinquent. My online access has be blocked so no payments can be made, and I have no clue what is owed because I receive no statements in the mail. Not sure how they get away with this. I should be informed on what is owed if I am to pay for something, especially a car I no longer possess. Their GAP Insurance I was told by salesman of Ford that this would satisfy any negative balance during an accident. This was not the case.
Product: Checking or savings account

In XXXX I disputed a transaction totaling {$200.00}. In XXXX they sent a letter saying they closed the account. Go ahead and close the XXXX account I dont XXXX care! They sent me two debit cards for a closed account. Makes perfect sense!
Product: Credit reporting, credit repair services, or other personal consumer reports

The late payment on XX/XX/2022 ( XXXX XXXX ) is reporting inaccurately and must be removed immediately!
Product: Credit reporting or other personal consumer reports

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove any items which were opened without my knowledge, consent or authority within 4 business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer ; and ( XXXX ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>