23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

1. On XXXX, I had a XXXX appt which was prepaid. At the end of the appt, I placed an order totaling XXXX with XXXX. 
2. After already running my BOA card XXXX, XXXX with XXXX asked for my card again and I trusted it was for a logical reason. After the XXXX running of my BOA card, XXXX was running her mouth about all this paperwork I needed to sign. The only paper I was given was a receipt and photo pages with small black and white images. The other " legal '' paperwork I was never given a copy of. 
3. After leaving XXXX on XXXX, at home, I checked my BOA account and glamour shots had charged/authorized my acct XXXX. The enclosed paperwork proves this. I consider this a gross misuse of my bank card and immediately called and emailed XXXX that my additional order for XXXX was cancelled. 
4. XXXX told me I could not cancel and they did nothing wrong. XXXX told my Bank of America XXXX authorized my card and that this happens frequently. I have never heard that banks initiate purchases, so that was what I consider a fraudulent platform for XXXX to take. 
5. When the charges cleared, I disputed the XXXX. The additional XXXX did come off my account, but no merchant has a right to authorize and cause funds to be held for additional transactions that were not authorized, even if they come off the acct at a later date. 
6. Bank of America took my dispute of the XXXX over the phone and told me they would let me know if they needed additional info. The BOA electronic claims dept kept telling me that the claim was in research and no additional info was needed. Around XXXX, I received a " resolution letter '' that stated the claim was denied and the temp credit of XXXX was to be deducted from my acct on XXXX. I was not given a fair chance to respond to the merchant's/ merchant bank 's response. I called and told BOA the " resolution was unacceptable, and provided the proof of the XXXX authorization and cancellation of the order. 
7. On or around XXXX, I received another letter that BOA was not able to do anything else on the dispute and that I needed to contact the merchant myself. 
8. FYI, this merchantXXXX, has given me a cease and desist order, and I depend on the bank to defend my right as a consumer to cancel an order, especially within an hour of the purchase, for the valid reason of XXXX misuse of my credit card. 
9. I would like Bank of America to take responsibility for double authorizing my account, and therefore, removing the XXXX charge permanently from my account, or : Bank of America needs to defend their customer against fraudulent practices of over authorization of an approved amount and the right of a consumer to swiftly and promptly cancel an order for logical reasons. 
10. XXXX sent the cancelled order and delivered to my apt office, which I consider free product, since XXXX was told to cancel the order and no payment for the additional order was authorized. 
11. Prompt and permanent removal of the XXXX charge from my acct is required to appropriately resolve this issue. I have attached pertinent documentation. 

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

Not releasing any of my consumer information to me with trying to gain more information about me and I do not feel comfortable sharing or transmitting information with Equifax. They already have been stealing information and data without permission my consent!
Product: Checking or savings account

USAA Federal Savings Bank has Confirmed by USAA Fraud Agent in XXXX XXXX on XX/XX/year> that the USAA Bank was Involved in Financial Breach of Contract by Illegal Covrer Government Entities Fraud with USAA Federal Savings Bank NA XXXX XXXX and XXXXXXXX XXXX XXXX in XXXX XXXX XXXX XXXX  By Claimant in Final USAA Member Disbursement Case # XXXX ( USAA Corporatate {$350.00} US Funds Stop Payment Fraud Indemnity with XXXX XXXX XXXX XXXX XXXXXXXX XXXX  Fraud Resolution Team ) Investigatie with Impunity USAA Is Immediately Required To Issue New Final Disbursement {$350.00} To Permanently Terminatite This USAA Member Checking Account by this Illegal Third Party Criminal Character Assination FBI XXXX SC Is Currently Investigating Financial Fraud New York Attorney General XXXX XXXX is Involved in XXXXXXXX XXXX  XXXX XXXX Trust Violations By Federal Court Mandated Action in Illegal Interstate Commerce Fraud Indemnity XXXX XXXX XXXX XXXX Claimant Due Process of Law
Product: Credit reporting, credit repair services, or other personal consumer reports

We purchased a Time Share XX/XX/XXXX from XXXX XXXX. We updated this on XX/XX/XXXX when they offered and approved me for a XXXX XXXX XXXX XXXX where they paid off the original Mortgage and reported it on my credit report as {$0.00}. We upgraded XX/XX/XXXX and XX/XX/XXXX when we purchased additional points. 

We purchased additional points XX/XX/XXXX the other open mortgage should have been reported as a {$0.00} balance when this was added to the XX/XX/XXXX upgrade. 

I applied for a home mortgage where XXXX XXXX discovered my credit report showed I had three mortgages with XXXX XXXX which is incorrect. I have one loan and one payment. 

XXXX XXXX contacted XXXX XXXX stating this is causing a delay in obtaining the home loan and could cause me to possibly not be approved. XXXX XXXX refused to fixed the errors. 

I called XXXX XXXX asking for this to be corrected they said they were sorry for the error and they only show the one loan and one payment. 

XXXX XXXX attempted again to get this corrected, XXXX XXXX refused so I am paying a higher interest rate and was forced to pay mortgage insurance due to XXXX XXXX failure to correct their errors on the credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX {$310.00} Closed XXXX XXXX  transunion reporting two accounts that are the same creditor
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act my rights have violated. 

15 U.S.C. 1681 A states I have a right to privacy.

15 U.S.C. 1681 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instruction. 

I requested this account to be updated over 2 months ago and have been ignored by the reporting agency. Please help me.
Product: Credit reporting or other personal consumer reports

Hello, I am requesting an investigation into these accounts as there appears to be a discrepancy regarding their accuracy on my credit report. These accounts were removed previously but have been added back without my awareness. I did not receive any notification of their reinstatement or any correspondence about this issue via mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : Equifax XXXX XXXX XXXX XXXX, GA XXXX I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and XXXX XXXX compliance standards, I challenge all inaccuracies or deficiencies of reporting. 

The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable XXXX XXXX data field formatting standards. 

OK, so here 's my challenge for you : Make a document that shows all of the evidence and sends it to me. It should be verified, complete with sources! The 2020 CRRG states that any deviation from these standards jeopardizes the integrity of data. This is a serious issue! 

The report you sent me is not accurate. Are you sure that all of the information is accurate and properly formatted? The below-noted claims are disputed and have not been confirmed as facts. Please take care of any false accounts on my credit report. I am requesting that you fix this issue as soon as possible because it will affect me financially in the future if left unchecked! I can't live with anything less than 100 % accuracy on my credit report. I want only factually accurate, verified and compliant data documented in it! 

Below is a summary of the data in which I am challenging : Personal Information for Equifax NAME : XXXX XXXX XXXX XXXX Can you please delete any names in your system that don't match mine? I want to make sure the database has accurate information about me, so it will help with future transactions if you can get rid of any names in your system that don't match XXXX XXXX XXXX CURRENT ADDRESS : XXXX XXXX XXXX XXXX, CA XXXX XXXX, XXXX Your most up-to date personal information should be accurate, timely and verifiable. If you don't have the proper documentation for your credit profile then it's not in compliance with FCRA or XXXX XXXX standards. Please delete any address in your system that does not match my address of XXXX XXXX XXXX XXXX, CA XXXX Yours Truly, You are not following the rules. I have listed all of my rights in this document so that they can be met accordingly, but it appears you do not care about fulfilling your obligations under Fair Credit Reporting Act ( FCRA ) or XXXX XXXX law XXXX XXXX XXXX Please send your written response to my address of XXXX XXXX XXXX XXXX, CA XXXX I am writing to inform you that I am aware of your illegal practices of sending form letters in response to disputes and challenges from consumers, regardless of the specific information that they have provided. This is in violation of 15 U.S. Code 5 1681i, which requires that each dispute and challenge must be addressed individually and on its own merits.My letters were created using software that is available to everyone. If you don't process my letters, you are violating my rights as a consumer. I will consider this to be an intentional disregard of my rights, and I will contact my lawyer to take legal action.
Product: Mortgage

i payed them XXXX dollar and only owed XXXX late fee or payment due to being XXXX they sold my note and my loan payoff went fron XXXX to over XXXX and they forclosed both wells fargo and company that took loan never payed town taxes and charged me for them, i paided town over XXXX in late tax payments. they are both criminal.
Product: Debt collection

The lender sent a collector to my house 3 times in one week which I consider harassment. The paper that he gave me does not tell me who the original creditor is nor what the debt is for, I consider this gross harassment. Further they have not shown me any proof that the debt is valid or how they acquired it.
Product: Credit reporting or other personal consumer reports

I am contesting the information on my credit report that I believe is not correct. The information has not been proven to be true, correct, or verified. According to the federal and state laws that apply to me, you are required to report information accurately and completely. You should not keep or report anything that you know is not in compliance with the law or regulations. I am writing to let you know that you need to make sure everything in my credit report is accurate. If you can not provide proof that the information is accurate, compliant or valid I demand that you update to paid on time and never late. I would also like for you to mail me physical proof of the actions you have taken to correct my credit report and a new updated report. The following item on my report appear questionable! Please certify that all claims are true and accurate, complete and timely reported. If not, please update immediately. 

Under 15 USC 1666B- this is a billing error, it was always paid as agreed, and on time this is an error this account is in violation I also didnt receive a statement 21 days before the bill is due and this a billing error under 15 USC 1666b ( 4 ) ( XXXX ) ACCOUNT - XXXX  ACCOUNT # - XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureau to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. My credit report includes the erroneous information that needs to be investigated and correct : GM FINANCIAL XXXX Date Opened : XX/XX/2019 Balance : {$1200.00}
Product: Debt collection

i have only received correspondence through phone, i had to call them to find out the name of the company and they call me all hours of the day, they do not state their business and call me just to hang up on me. they are extremely unprofessional and want me to give out personal information over the phone. how do i know that someone is not trying to scam me. this is harassment. I dont know what they want and they wont stay on the phone long enough to see what they want.
Product: Vehicle loan or lease

They ended up repossess in my vehicle, and I have to claim bankruptcy because I could not pay restitution on the vehicle
Product: Credit card

I am writing to express my frustration with handling my account for online payments. When the account was set up, the checking account number was keyed in incorrectly. Despite speaking with representatives on three different occasions, the representative did not mention the error of the incorrect checking account. As a result, late fees and insufficient fund charges were applied to my account. 

After the fourth attempt, I finally spoke with a representative who informed me of the issue with the checking account number. We made the necessary corrections, and I was assured that if I paid off all fees, a manager said the fees would be removed. I promptly paid the bill in XXXX, yet no fees were removed as promised. 

Despite providing detailed information and being told a case would be opened, the charges were not removed. After numerous calls over four months, the company refused to cancel the account and continued to call me relentlessly. TD Bank continues to add fees to the account. I requested back in XX/XX/2023 for the account to be closed. A representative told me that he would not close the account and that charges and calls would continue. 

I am disputing all charges and request that the calls cease immediately. I expect a resolution to this matter and a closure of the account without further inconvenience or negative impact on my credit score and report.
Product: Bank account or service

Re Bank of America : I used to be able to go online to make an " extra '' mortgage payment dedicated specifically to PRINCIPAL ONLY. That ease of option has been removed and now only the " standard '' payment option ( which includes bank interest ) is available online. I 'm trying to pay down the principal whenever I can, but now they expect me to physically go into a branch or physically write a check telling them that the payment is to go to principal only ( not any interest ). It 's ridiculous when I can do everything else online but not pay down my principal ... it 's a huge impediment and against consumers! They are making it more difficult to pay down the principal on a mortgage so they can be sure to collect the interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is an old account that has been on my report displaying negatively.
Product: Credit reporting or other personal consumer reports

Ive been contact experian, XXXX and XXXX about these XXXX accounts for over XXXX months will no help, no real responses and no accurate information. The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ), and they have no be honest or helpful. This affects my life and all I get is computer responses.
Product: Debt collection

I did not receive any phone calls or certified mail from the acting attorney ( s ) on this case prior to this judgement of wage garnishment. I contacted Pressler and Pressler , LLP on XX/XX/2016 to speak with the attorney ( s ) handling such case, however XXXX ( XXXX ) who identifies himself as a paralegal, but would not identify is full name informed me that the acting attorney ( s ) on this case were XXXX XXXX and XXXX XXXX , which had never contacted me regarding this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion validated a debt in my name without submitting proof or having the proof from the collection agency. How can they report something without validation? I requested proof of the debt, date contract was signed, anything tying me to the debt and was not received yet they still validated it. 

XXXX XXXX XXXX is reporting I owe {$320.00} to a payday lender, XXXX XXXX XXXX. I do not recall this debt or ever using this lender. All I asked was for proof of debt and that was never sent. This company has never sent me anything in writing. 

I want this investigated again.
Product: Debt collection

Dear Sir/Madam, I am writing to bring to your attention a serious matter concerning a fraudulent account that has been reported by your agency, which I believe is a result of identity theft. I have recently discovered this account on my credit report, and I have taken immediate action to rectify the situation. Enclosed with this letter, you will find a copy of the police report I filed regarding the identity theft incident. 

Account Details : Account Number : [ XXXX ] Account Type : Collection Account Type - Detail : XXXX XXXX Code : Individual Account Status : Derogatory Monthly Payment : - Date Opened : XX/XX/XXXX Balance : {$1200.00} No. of Months ( terms ) : - High Credit : {$1200.00} Credit Limit : - Past Due : - Payment Status : Collection/Chargeoff Last Reported : XX/XX/XXXX Comments : Customer disputed account - reported by subscriber. 
Date Last Active : XX/XX/XXXX I want to emphasize that I have never had any association with the mentioned account, nor have I authorized anyone to use my personal information in this manner. This account is a clear case of identity theft, and I request your immediate assistance in resolving this matter. 

I kindly request that Convergent Outsourcing undertake the following actions : Conduct a Thorough Investigation : I urge your agency to conduct a detailed investigation into the origin and validity of this account. It is crucial to establish that this account is a result of identity theft and that I am not responsible for any associated debts. 

Cease All XXXX Activities : Given the circumstances, I request that all collection efforts on this account be immediately suspended until the investigation is complete. Any further attempts to collect on this fraudulent debt will be considered a violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ) and other applicable laws. 

Remove the Account from my Credit Report : Once the investigation confirms that this account is fraudulent, I expect Convergent Outsourcing to promptly notify the credit reporting bureaus and request the removal of this account from my credit report. The negative impact on my credit score resulting from this fraudulent account must be rectified. 

Provide Written Confirmation : Upon completion of the investigation and removal of the account from my credit report, I request written confirmation from Convergent Outsourcing that the matter has been fully resolved and that I am no longer held responsible for any debts associated with the fraudulent account. 

I have taken all necessary steps to protect myself from further harm, including filing a police report and notifying the credit reporting bureaus. I expect Convergent Outsourcing to cooperate fully in this matter and take appropriate action to rectify the situation promptly. 

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

To Whom this may concern I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft
Product: Money transfer, virtual currency, or money service

on XXXX XX/XX/year>, I received an email and phone notification that the account was placed on restriction. Both XXXX XXXX XXXX XXXX XXXX, I received unsoliced calls that claimed to be from Robinhood ( could have been spam but the app said they did try to call ). 

On XXXX XXXX, @ XXXX, I had a XXXX minute XXXX second call where the callback " Agent '' said they could not advance my account for review to remove the system-generated restriction unless I answered a sequence of question. We got stuck on the second question which was " Why did you first come to Robinhood? ". I am refusing to answer marketing-survey style of questions that are unrelated to the account. The agent also stated that they have no information as to the nature of the " restriction '' and would not escillate to a supervisor. 

I sold all the crypto in the account and attempted to close the account and was blocked from the transfer of funds from this company becuase the account was " restricted ''. 

XXXX XXXX, @ XXXX, initiated a chat with " deactivations '' at Robinhood who said they could not process the closing of my account and I needed to contact the first team through the app. 

At this moment, I no longer wish to have any business relationship with " Robinhood.com '' as I find their processes to be unreliable and there is no escillation path to get account issues resolved. 

I have not started a small-claims court process to recover these funds. Please advise if this is the best path to ensure my account gets closed.
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 XXXX  XXXX # XXXX Account name : XXXX XXXX XXXX  # XXXX Account name : XXXX XXXX  XXXX # XXXX Account name : XXXX  XXXX XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX  AUT # XXXX Account name : XXXX XXXX XXXX # XXXX
Product: Mortgage

Nationstar Mortgage and Trustees, XXXX, herein, NS and Trustees, have continued to proceed with unlawful foreclosure. Numerous attempts have been made by homeowners, by and through their advocate, with written, telephonic, electronic, communications. All reasonable and lawful efforts have been exhausted and litigation has been initiated as a unfortunate and unwanted, last resort. 
A rescission letter was mailed to alleged interested parties, Pursuant to TILA, 1605 et seq. see attached To date, no response has been forthcoming from NS or Trustees, as required by law and confirmed in U.S. Court decision, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX : " In the case of TILA Rescission the issue is closed, to wit : the unanimous decision of the US Supreme Court in XXXX was that the statute is not ambiguous and thus not subject to interpretation by ANY judge '' and again in, Minnesota Supreme Court in XXXX XXXX XXXX , No. : XXXX : " Here again we have the application of the simple formula proposed by the Supreme Court of Minnesota, to wit : nothing plus nothing equals nothing. " NS and Trustees acting as debt collectors as defined in FDCPA, and in CFPB XXXX XXXX Brief No. : XXXX, have made false and misleading representations in their actions while attempting to collect on alleged debt. Homeowners relentless attempted to validate alleged debt, all of which is well documented. NS and Trustees were non-responsive and act with impunity against Homeowners and more importantly a blatant disregard and respect for the rule of law.