23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

This letter pertains to my Bank of America credit card account. This is a first draft, and while it lacks some additional details, I was advised to submit this information in writing as soon as possible. Below is the information I have at this time. 

Since opening a new credit card account in XX/XX/XXXX, I have been unable to make online payments through your website. Each attempt resulted in a message stating my account was suspended, despite there being no actual suspension or delinquency on my part. To resolve this issue and make my XXXX XXXX  monthly payments, I contacted your customer service team on the following dates and made payments over the phone : XX/XX/XXXX : Made a payment over the phone ; the representative assured me the issue was resolved. 
XX/XX/XXXX : Made a payment over the phone ; the representative again assured me the issue was fixed. 

XX/XX/XXXX : Made a payment over the phone ; the representative stated it was fixed and, as a precaution, I provided my banking information for direct payments, I think they added the wrong information. 

XX/XX/XXXX : Called to complain after discovering my account had been closed due to XXXX months of missed payments, despite being told on XX/XX/XXXX, that the issue was resolved with direct deposit set up. 

On each occasion, your representatives assured me that the online access problem was corrected and that it would take approximately XXXX hours for the system to update. 

However, the issue was never resolved, and no case was opened to address it, contrary to what I was told. Subsequently, payments for XXXX months were not processedapparently due to incorrect banking informationresulting in missed payments and the closure of my account. 

I am now disputing this matter with Bank of America, seeking a simple resolution. Your technical issues directly caused the closure of my account and subsequent damage to my XXXX XXXX. I have been a Bank of America account holder for XXXX  years and have never missed a payment until this new card was issued and the online payment problems began. 


Thank you for your attention to this matter. I look forward to your response.
Product: Credit reporting 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 XXXX, XXXX AND TRANSUNION CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : 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: Credit card or prepaid card

This is my second dispute with the Credit Bureaus, the inquiries were taken off That Fraudsters applied for but the Account from XXXX XXXX  now shows as closed and not DELETED FROM MY ACCOUNT AS I REQUESTED. 

I am a victim of Identity Theft. My information for Compromised during Equifax 's Data Breach. 
Included I have added screenshots and also my Data Breach Claim Number. I have a Closed Account for XXXXXXXX XXXX with a Balance of {$7800.00}. 

I have never opened Nor Used XXXXXXXX XXXX and I am asking you to DELETE it. Also I am asking yo to immediately DELETE The address that is on my account that's used in this FRAUDULENT activity at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX. 

I have never stayed at the above address, Ive stayed in XXXX XXXX all my life.
Product: Debt collection

I was not notified properly about the debt owed until after it was turned into collections. I contacted the debt collector and paid and satisfied the debt. I asked debt collector if they could remove the debt from my credit report since it was satisfied and they stated no they could not!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a student loan that my wife took from XXXX while attending college in XX/XX/XXXX. When we got divorced in XX/XX/XXXX the divorce decree states that she is solely responsible for any and all student line debt. She has since filed bankruptcy and XXXX tells me, when I call them, that she included this loan in her bankruptcy. It shows as a charge off on my credit report so it needs to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts are fraudulent XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. 

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written permission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Checking or savings account

To whom it may concern, I would be grateful for your assistance in recuperating funds that have been withheld without clear cause or justification. 
I work as a XXXX  and closed a deal on a property on XX/XX/XXXX. 
XXXX XXXX XXXX company were due to pay my commission of {$7600.00} but mistakenly duplicated the XXXX XXXX resulting in net transaction of {$15000.00} to my checking account on XX/XX/XXXX. The end value in the checking account : {$15000.00}. 
Chase bank was then notified of the error by the title company. 
Due to initial concerns from XXXX that there was fraudulent activity afoot, my XXXX account was frozen. Prior to the account being frozen the checking account went down to {$4700.00} ( by XX/XX/XXXX ) most from my own expenditure. 
I was appropriately asked to pay XXXX XXXX XXXX back the duplicated amount of {$7600.00}, however this required to be transferred from my savings, rather than the checking account, as the latter remained frozen. ( XX/XX/XXXX ) On XX/XX/XXXX the amount of {$2600.00} was taken from my frozen checking account without my authorization and I was later informed by a Chase representative that it was by Chase. They claim this was for XXXX but were unable to elaborate and stated that it was sent to XXXX XXXX XXXX company. 
I spoke with XXXX XXXX XXXX company who confirmed that Chase had indeed tried to send them {$2600.00}, however since they had already received full payment from me, this was returned. 
I was left with {$4700.00} in my frozen checking account. Through multiple phone conversations with Chase representatives, they gained clarity of the situation and understood that no fraudulent activity had occurred but were unable to assist further. I went to a Chase branch and spoke with a representative in person ( XXXX XXXX ) who tried to assist me in recovering funds ( XX/XX/XXXX ). Chase then sent me a cashier check ( XX/XX/XXXX ) in the mail for only {$4700.00} which was the remaining balance in the checking account and subsequently closed the account without cause. 
The {$2600.00}, that was rejected but XXXX XXXX XXXX, remains unaccounted for by Chase and after 6 months of back and forth with Chase and being passed from representatives of XXXX department to another, I am no closer to understanding XXXX. Where the {$2600.00} has ended up XXXX. Why this continues to be withheld from me XXXX. Why my account was closed without due cause. 

This is a most frustrating situation in which I have played no role in propagating and I feel discriminated against and drained from the continued stress of pursuit and sting of injustice. I have used the usual methods, followed all existing rules and regulations and I continue to be penalized for the errors made between Chase and XXXX XXXX XXXX. Yet a XXXX XXXX exists, and the financial forensics seem to be obvious and clear-cut. This will be escalated until the matter is appropriately resolved and I would be grateful for your assistance in ensuring a fair outcome.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, PA XXXX Phone : ( XXXX ) XXXX Email : XXXX Date : XX/XX/year> To : Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Direct Dispute of Inaccurate Account Information Dear Sir/Madam, I am writing to dispute an item on my credit report associated XXXX XXXX XXXX XXXX  XXXX I have no knowledge of this account and do not recognize it as mine. The account listed under XXXX XXXX XXXX  is inaccurate and I am requesting that it be investigated and removed from my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), Section 611 ( a ) ( 3 ) ( A ), I am submitting this direct dispute to Experian, as the credit reporting agency. I previously disputed this account ; however, I now have additional information that supports my claim of non-ownership of the account. 
Please find attached the following documents for your reference : Identification I request that you promptly investigate and remove this information from my credit report. If further information is needed, I can be reached at ( XXXX ) XXXX or via email at XXXX. 
Thank you for your attention to this matter. I look forward to your timely resolution. 
Sincerely, XXXX XXXX
Product: Debt collection

TSI collection agency has repeatedly been harassing and calling me and sending an absurd amount of emails for {$900.00} that was transferred from XXXX for a cell phone bill that included the price of a phone that I was making installment payments monthly on and XXXX month service. I had to change network providers due to my phone and network service being hacked and compromised for the XXXX time in roughly a year. I advised both.companies I am homeless have been since XX/XX/2023 and that I filed from XXXX XXXX  and XXXX originally from Wisconsin and was being XXXX XXXX  which coincide with my electronic devices being breached repeatedly. Which I have reported to the proper authorities and I included this information in another report with XXXX confirmation # XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furniture an account without my written instructions.
Product: Credit card or prepaid card

This company keeps sending me monthly emails Pre approvals to apply for their credit card Ive applied and they still havent got back to me this is ridiculous when they shouldve approved me by now my credit is in good shape for this to be happening to me
Product: Money transfer, virtual currency, or money service

I had 3 different hotel transactions done on my cash card with my cash card locked and I keep my card locked at all times that way no one can put transactions through on my card and I did not make the three transactions and don't get how I have my card locked and disabled at all times to keep stuff like this happening and no merchant could of done the 3 transactions that were made on my card due to my card being locked and disabled and the only way they could have happened is if they were taking straight from my account with my account number and routing number and I don't know my account number or routing number let alone for someone else to have it and be able to make transactions on my account
Product: Vehicle loan or lease

Toyota motor credit overcharged me and never paid me for using my credit or money I paid on account was reported accurately
Product: Checking or savings account

Thursday, XX/XX/2024, I recieved a notification text message and email from Chase Bank notifying me that my Checking and Savings Account has been closed. There was no warning for this closure. I immediately contacted Chase Bank and questioned the event. The only information they provided over the phone was that the account had been restricted and they're unable to tell me why it's been closed. 
Today, XX/XX/2024, I went to Chase Bank in person to further enquire about my account being closed. The only information they could provide was that the account is in the process of closing, there is no reason given why it's being closed, the acount will be closed the XXXX, the check for the amount that's in the account will be mailed XX/XX/XXXX, and I should recieve the check approximately XX/XX/2024. I asked if it'd be possible to pick up the check XX/XX/XXXX and they said that it'll have to be sent through the mail.
Product: Credit reporting or other personal consumer reports

For over a year i have disputed these items that dont belong on my credit report.
Product: Checking or savings account

On or about XX/XX/XXXX I noticed a ACH purchase on my account ending in XXXX. I called JP Morgan Chase reported it and was informed that " THERE WAS SEVRAL OTHER ACH PURCHASES FROM A PLACE CALLED XXXX ''. I informed them I have never " AUTHORIZED ANY CHARGES TO MY ACCOUNT ''. They at that time issued me a credit for approx {$700.00} to cover the fraud to my account that went back into XXXX OF XXXX clearly past the 60 day cut of they are saying is reason of my claim being denied. Approx On XX/XX/XXXX I noticed that JP Morgan Chase REVERSED the fraud credits and denied my claim at XXXX for not filling out a ACH DISPUTE FORM in which I never at any time received it in mail to even fill out and send back to them. I contacted claim unit was told to " GO INTO BRANCH ANF GET FORM FROM A BANKER ' In which I did the same day form was sent to them from the branch claim was re opened. I then get attached letter from JP Morgan Chase now informing me that reason for denial of my claim is due to me " NOT REPORTING IT WITH IN 60 DAYS ''. I informed them that 'I NEVER NOTICED IT ', and was informed that XXXX ONLY COVERS FRAUD OCCURED IN LAST 60 DAYS ''.
Product: Credit reporting or other personal consumer reports

XXXX I do not accept your offer of a Bident-Harris loan federal loan forgiveness in which is illegal in this case because the federal consolidation was terminated XXXX by the U.S Department of Education General Counselor . ( 2 ) The Biden-Harris federal student loan forgiveness plan is for federal lenders XXXX your federal consolidation loan was not orginated from a federal lender. ( 3 ) The U.S. Department of Education does not own the federal consolidation loan. ( 4 ) The borrower for Biden-Harris federal student loan forgiveness have to apply and I did not apply for a federal student loan forgiveness plan. I do not need a federal student loan forgiveness. ( XXXX ) XXXX remove my I dentity from a Biden-Harris federal student loan forgiveness because it consist of your fraud. XXXX do not apply my name on any document without my consent. XXXX you are not my student loan servicer. XXXX the U.S. Department of Education wrote XX/XX/XXXX for no student loan servicer to service the federal consolidation. XXXX the federal consolidation never had a a federal lender and was rejected by the U.S Department of Education General Counselor XXXX XXXXXX/XX/XXXX before your fraudulent Biden-Harris federal loan forgiveness in which I did not consent nor applied for. The XX/XX/XXXX termination of federal consoldation loan still stands. XXXX immediately remove my identification from your fraudulent Biden-Harris federal loan forgiveness in which I did not consent and you have no authority on this federal consolidation. XXXX I repeat you are not my student loan servicer and if you have any problems XXXX send your Agreement between the U.S. Department of Education for XXXX to service the federal consolidation loan
Product: Debt collection

XXXX XXXX XXXX is a 3rd party agency who has no right to collect anything from the alleged debtor since there is no way they can prove they were on any original contract. 73 Amjur, 2nd, Section 90. You have no right to subrogate ( substitute ) yourself into a contract. Whether it be by purchase, assignment, transfer, or trade. If you bought the debt you did it on your own behalf. Not at the request of any alleged debtor, and therefore are a stranger to the transaction ( voluntary payee ). Reporting of this debt is a violation of the FCRA and the FDCPA
Product: Money transfer, virtual currency, or money service

11 taxpayers paid their tax returns preparation fee through CashApp for a total of $XXXX that I never received. When I noticed I make inquiries through App and received a message that my account was closed for violating the terms. The specific violation was not given to me. Never the less, I followed the instructions to cash my stored balance and it never worked by using a bank account I did not use before; but the message was that the new account was unable to be linked.I sent a letter to the company below in XXXX and I have not received any answer Cash AppXXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Product: Mortgage

Rushmore loan management continue to try to foreclose on my home. They continue to increase my fixed monthly payment by increasing my escrow payments. When I question how my payments increase no one can explain. My payments went from {$1600.00} to {$1700.00}. I constantly receive incorrect information why my payments increased and threats if I do not agree to pay the new amount. The company threatened that if I do not pay the requested amount they will put my payment in suspense which will cause me to get a 30 day notice on my credit. 
After not receiving an explanation I took my escrow analysis to be reviewed. It was discovered that I was being double charged for my homeowners insurance. On XX/XX/21 I was charged {$1100.00} for homeowners insurance and XX/XX/21 for {$960.00} for homeowners insurance. Rushmore refuses to explain the double charge and adjust my escrow account. I was also told I am unable to cancel my escrow because I had a modification in XXXX. I am afraid that if I have to rely on this company to manage my escrow I will loose my property. They double charge, refuse to explain or adjust my payment accordingly. I am requesting to cancel my escrow and pay my own escrow. This company can not be trusted.
Product: Debt collection

Commonwealth Financial Systems INC had this account during the statue limitations. Commonwealth financial systems has put different dates on a XXXX credit bureaus when the account was purchase and forged payment on my account to keep the account open. The payment has rise from XXXXto XXXX. Common wealth and XXXX XXXX has put and double jeopardy on the credit trying to collect from the same debt. Commonwealth Financial has given me numerous dates of when they purchase my account and I have the dates infront of me when I call about every letter I have receive for Commonwealth Systems within the 6 years and more about this account .This account is also past the statue of limitations. Commonwealth has been acquiring contacting the credit bureaus using my social security number.
Product: Mortgage

I am trying to refinance my first mortgage through my bank back in XXXX 2016. In the process they said they needed a subordination from my second mortgage lender to proceed. My bank filled out and sent the necessary paper work along with the {$250.00} fee for the subordination. The check was cashed by Nationstar but they continue to stall. I was hoping to refinance to a lower interest rate 3.75 % XX/XX/XXXX now its almost XX/XX/XXXX and they continue to stall and not respond. That new interest rate could have saved me {$200.00} a month on my payment. Now the rate lock expired long ago and rates have gone up. My bank has repeatedly emailed and called with them saying you will hear something soon then never respond again. I have called and emailed several times with no response. They should not be able to hold me hostage like this. Its my second mortgage and I have been paying it faithfully for years. I would have never expected this.
Product: Credit reporting, credit repair services, or other personal consumer reports

" " '' I have disputed this collection on this XXXX XXXX XXXX for months.XXXX and XXXX have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. 
I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''
Product: Debt collection

Nationstar claims they are collecting a debt and or servicing a debt for XXXX as a result of transfer from XXXX. Nationstar has not provided a servicing agreement between them and the alleged noteholder. On XX/XX/XXXX, Nationstar 's counsel sent an abandonment of Acceleration referencing acceleration of XX/XX/XXXX that was accelerated by their predecessor. XXXX acceleration is irrevocable for the following reasons : 1. XXXX exercised the remedy to foreclose on the propoerty on XX/XX/XXXX. 
2. XXXX agent executed a foreclosure deed on XX/XX/XXXX. 
3. XXXX was awarded Judgment of Possession on XX/XX/XXXX. 
4. I detrimentally relied on the foreclosure sale and subsequent post-foreclosure eviction. 
5. I filed a lawsuit on XX/XX/XXXX, to stop a wrongful post-foreclosure eviction that is currently pending to date against Nationstar 's predecessor.