23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On XX/XX/year>, I used Bank of America 's XXXX XXXX service to authorize a one-time debit to pay my Bank of America XXXX XXXX XXXX  XXXX my XXXX checking account. 

Although my XXXX checking account had sufficient funds, unbeknownst to me, XXXX had placed a hold on an item ( a check from the XXXX XXXX XXXX ) that I had deposited on XX/XX/XXXX, until XX/XX/XXXX. ( XXXX is almost broke, so it's totally logical that XXXX would hold a {$110.00} check from the state for a month, although it would have been nice to tell me about the hold, which they didn't. ) XXXX notified me on XX/XX/XXXX that the Bank of America XXXX had failed. The following day ( XX/XX/XXXX ), I received an email from XXXX also stating the payment had failed. The email from Bank of America stated : " Action Required : This payment is still due to the Pay To account. Please deposit adequate money in your Pay From account and reschedule this payment using XXXX XXXX or make the payment using an alternative method. '' Per the instructions in the email, that day ( XX/XX/XXXX ) I scheduled a new payment via the XXXX XXXX website, and moved additional funds between XXXX accounts to cover it. My XXXX account was successfully debited on XX/XX/XXXX. 

Today, XX/XX/XXXX, I was notified by XXXX that Bank of America attempted another debit, which failed. On Bank of America 's online banking web site, the original payment as well as the rescheduled payment both show as " processed. '' Nowhere does Bank of America XXXX that transactions will be reattempted, or how frequently, or how long will elapse between repeat attempts. In fact, the email I received about the failed payment stated THE OPPOSITE, that I needed to reschedule the failed transaction myself. I would not have done so, if I had known the original payment would be automatically re-attempted. 

Further, I authorized a ONE-TIME payment. Nowhere did I authorize them to repeat the same payment multiple times.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX NY  XXXX XXXX : XX/XX/XXXX Experian Information Solutions Inc . 
XXXX XXXX XXXX XXXX, TX XXXX Telfono : XXXX Re : Security Freeze Request Dear Sir/Madam, I, XXXX XXXX XXXX XXXX XXXX Social Security Number XXXX, a resident of XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX, submit this affidavit to request a security freeze on my credit report. Pursuant to my rights under applicable federal and state laws, including but not limited to the Fair Credit Reporting Act and any other relevant regulations, I hereby formally request that a Security Freeze be placed on my credit file immediately. 

Affidavit : Applicant Identification : Full Name : XXXX XXXX XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX Current Address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX NY XXXX Security Freeze Request : o I request that a security freeze be placed on my credit report to prevent unauthorized third-party access, except for those legally authorized or with my explicit consent. 
o This freeze should remain in place until I personally request its removal in writing, in compliance with applicable legal requirements. 
Attached Documentation : I have attached the following documents to verify my identity and process my request : o A copy of my drivers license or government-issued ID. 
o A copy of a recent utility bill or bank statement confirming my current address. 
o A copy of my Social Security Number. 
Affirmation : I declare under penalty of perjury that the information provided in this affidavit is true and correct to the best of my knowledge. This request is made in good faith to protect my credit information. 
Confirmation Request : I hereby request written confirmation of the receipt and implementation of this security freeze request. I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, My name is XXXX XXXX. My fianc just recently purposed to me. We are ecstatic, and ready to start out dream wedding. 
Upon review of my credit report, there are an ample amount of Accounts, Collections, and inquiries that do not pertain to me and I are results of identity theft. Please remove these item as they our affecting my credit worthiness. 
Please remove these item from my report or legal action will be taken. 
Thanking you in advance. 


INQURIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX : XXXX XXXX XXXX  ( XXXX  XXXX- {$280.00} )
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom it May Concern : Pursuant to 15 U.S.C 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or by the issuer of a credit card or similar device Should be excluded from a consumer report. The definition of a credit card under 15 usc 1681 is the same as it is under 15 usc 1602 ( 1 ) which is the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining, money, property, labor, or services on credit. Notice, congress said ANY card. The credit card is my social security card. This is the credit card I used to originate every consumer credit transaction below. They should be removed from my consumer report pursuant to 15 usc 1681a ( 2 ) ( B ). I am demanding that you remove these Transactions from my report immediately as they are a violation of my rights as a federally Protected consumer under title 15 chapter 41. 
1XXXX XXXXXXXX XXXX 2. XXXX XXXX BANK XXXX XXXX 3.XXXX 4. XXXX XXXX 5. XXXX BANK 6. XXXX 7 XXXX XXXX XXXX BANK 8. XXXX 9. XXXX 10 XXXX XXXX XXXX 11.XXXX Sincerely, XXXX XXXX
Product: Mortgage

Starting XX/XX/2023 my loan was transferred from XXXX XXXX to Lakeview Loan Servicing , LLC. Prior to the transfer I had been receiving regular correspondence and statements from XXXX XXXX. After the transfer, Lakeview began sending correspondence to a wrong mailing address. Due to this error on the part of Lakeview, I was not notified of my new loan servicer, that my automatic payments had been interrupted, or where to send my mortgage payments. As a result of this, I was not aware that I had a new loan servicer or loan payments were not being processed until XX/XX/2023 when I received a notification that my credit score had decreased due to missed payments to Lakeview Loan Servicing. I immediately called Lakeview and paid my outstanding balance in full. During this call, Lakeview notified me that they had been getting Return To Sender on all correspondence they had sent to the ( wrong ) address on file. They agreed that this was an error on their part and waived the late fee assessment. I then sent a formal to their credit disputes office requesting that the late payment resulting from their error be removed from my credit report. They again agreed, and notified the credit bureaus that the late payment should be removed from my credit history. Currently, my online loan account shows that I have no unpaid fees or past due balances. However, I received a paper monthly statement for XX/XX/2023 which states I have a Past Due Amount of {$25.00}. I again called Lakeview and asked why this was on my paper statement but not on my online account. They did not answer my question but insisted repeatedly that it was a fee associated with my Closing. I repeatedly told them that my closing was 17 months ago and there were no unpaid fees associated with it. After being repeatedly challenged on their lie, they finally told me that it was a " Corporate Fee '' from an inspection they ordered as a result of my late payment from XX/XX/2023. I told them that the late fee had been waived as it was charged as a result of their error, and therefor this associated inspection fee should be waived as well. They informed me that they are unable to refund this fee, refused to let me speak to a manager/supervisor. They then said that I could speak to their " escalation department '' to attempt to resolve the matter. After being placed on an extensive hold they then said that I actually could NOT speak with their escalation department and that yet another formal letter must be sent to their disputes department.
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my personal credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from 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 XXXXXX/XX/XXXX
Product: Debt collection

Every single day, multiple times a day I receive a phone call from XXXX XXXX XXXX from XXXX. I have yet to have a single representative properly identify themselves, they claim I owe an unknown debt amount, from an unknown company. I advised I have no idea what they are referring to, that I'm not refusing to pay, I'm just unaware.

They had my personal information and I requested that they send me something in writing that details their allegation. It has been weeks and I have not received anything, yet this company continues to call me. I want this company to immediately cease and desist all forms of contact with me, my employer, my relatives and friends.

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX  Account # XXXX 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 an account without my written instructions.
Product: Debt or credit management

Experian.com has a membership to lock your account that they promote. They do not promote their free credit freeze, nor do they make it available to consumers are in need to freeze their credit without having to pay a membership fee. They force you into a membership to lock your account because you can not find credit freeze easily on their site or app. 

The representative I spoke to today XX/XX/2024 gave me information and steps to find and it was not under the credit or protection area of their site. 

I had to search their FAQ 's on locks to see the freeze option. This is predatory marketing to get people who are trying to stop fraud on their account to pay for a service that should be free. There should be no lock option we have to pay for. 

A refund for my {$24.00} was given but sadly wonder how many people in a panic have been coned into getting a membership to lock their credit report when they could have placed a freeze for free. Even in this site link below the links and how to get to the site to do this freeze is not promoted the same way that the lock is. 

XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to have verified these. 
Depending solely on your flawed XXXX system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and Richardson v. Fleet, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
XXXX XXXX XXXX and XXXX XXXX XXXX XXXX  XXXX
Product: Credit card

Opened a credit card with Frontier Airline during the flight. I was told that I am going to get 0 % for purchases for first 15 months if I open the credit card today during flight as a special incentive. When I got approved through Barclays Frontier Airline card. I was not charged interest for the first two months and third month they started charging me for interest. Now after filing a case with Barclays Bank they are not ready to help. Their outsourced call center not willing to help and neither giving any support so I can furnish a contact with US compliance team. They are denying the fact we can't do anything about it. Kindly help
Product: Mortgage

I closed on my mortgage on XX/XX/XXXX. Shortly after closing I was notified by the Lender that I was required HO6 insurance. This information was not made available at any point before or during the closing process. As a matter of fact, I closed without having HO6 insurance. I never had it since I bought the property in XXXX. 

I find unethical, and perhaps illegal that Planet Home Lending is asking for that insurance now. I would definitely would not have close on this property had I known of this issue. 

My loan broker was : XXXX XXXX XXXX XXXX NMLS ID # XXXX P : XXXX F : XXXX XXXX XXXX
Product: Credit card or prepaid card

I have Care Credit card - Synchrony Bank, they gave me 18 months same as cash and my former balance was about {$4200.00}. Today I got my statement and it was {$6300.00} because they charged me interest for 2-3 year after my promotion ended. This should be illegal taking advantage of people who don't understand all of the fine print and they never informed me of back interest. I am not a lawyer and don't understand all of the legal wording.
Product: Credit reporting or other personal consumer reports

I am requesting that several fraudulent hard credit inquiries be removed from my credit report. I received a copy of your agency 's credit report and noticed that there were requests that were not authorized. A list of the unsanctioned questions is provided below. 
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 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 reporting or other personal consumer reports

I am writing to formally file a complaint regarding inaccurate reporting and unresponsive customer service practices that have negatively impacted my credit report and overall experience as a consumer. 

The creditor has been incorrectly reporting a missed payment for XX/XX/year>. Despite my efforts to resolve this issue, including obtaining a XXXX statement directly from their website, which clearly shows no missed payments within a 59-day period, they have continued to report this erroneous information. I have also requested a detailed statement multiple times to clarify this issue, but only after repeated requests did they provide a statement. Upon reviewing it, I noted discrepancies that indicate information may have been fabricated. Also their employee mishandled my account and this is negligent!

This inaccurate reporting has affected my credit score and financial standing and has caused undue stress and frustration. As a responsible consumer, I strive to maintain an accurate credit record, and this false reporting jeopardizes my financial credibility. Additionally, the failure to respond promptly and provide accurate information shows a lack of transparency and accountability on the part of the creditor. 

I ask that the CFPB assist in investigating this matter and hold the creditor accountable for correcting the inaccurate information on my credit report. I also request that they provide accurate documentation to support any claims they make regarding my payment history. Moreover, I seek assurances from the creditor that they will adhere to standard practices of transparency and accuracy in the future. 

Thank you for your assistance in this matter. I look forward to a resolution that rectifies this issue and prevents further inaccuracies in my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX : Dear Sir or Madam/To Whom It May Concern, On Today I requested an investigation regarding inaccurate/erroneous items on my credit file that were being reported erroneously. In 2022 your agency sent a letter stating that you had completed your investigation and the items were not deleted, as requested. This concerns me as I do not understand how you arrived at this conclusion since this information is indeed incorrect. This is a request under FCRA 611 ( a ) ( 7 ) for a description of the procedure used by your agency in providing all information to the creditor associated with my earlier dispute under FCRA 611 ( a ) filed in 2022 ( To be more specific, based on FCRA 611 ( a ) ( 2 ) ( B ), you were required to forward all of the relevant information I provided by you to the creditor for their investigation of my dispute. Please provide me with all of the information you used for your investigation, as required by FCRA 611 ( a ) ( 7 ). Please reply within 15 days or delete the negative items, as originally requested. Below are the items I am disputing. I never opened an affirm account. I never opened an XXXX account. I never opened an XXXX account. I never opened account called XXXX XXXX XXXX. Please update XXXX XXXX XXXX. XXXX we brought current so please update this asap. We updated XXXX XXXX XXXX XXXX with a loan modification/settlement. Please correct my credit report by law you must report correct information.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit rating for all three companies continuously shows delinquent charges even when XXXX XXXX & their Mortgage company PHH Mortgage has formally submitted a mortgage condemnation 1099 to the IRS. All three credit reporting companies have not updated my credit rating since XX/XX/2020 even after being shown proof that the claims are fraudulent claims by XXXX XXXX & their Mortgage company PHH Mortgage. They have repeatedly denied any wrong doing and tell me how to repair my credit rating which I have tried but produce no results. The mortgage in question was an illegal mortgage to begin with and the house needs to be condemned because it is not built to national or local building codes. Because of the incorrect reporting they are slandering my reputation, my creditability and my credit rating on a daily basis. Here is a link to all the evidence. XXXX XXXX XXXXXXXX! XXXX? XXXX
Product: Payday loan, title loan, personal loan, or advance loan

Achieve Personal Loan Acct 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 I did not apply for this loan. I do know the co-applicant. I asked the copy how was the loan applied for. How did they receive my information? Did they have a copy of my ID? 

My bank account was compromised. I charged the co-applicant. 
The company never responded. 
I am not paying for this loan. 
This is not my loan.
Product: Debt collection

I moved out of the apartment in question on XX/XX/XXXX. I returned the keys and was told that I would receive my security deposit back minus any fees within 30 days. I never heard anything from them but the deposit was low and I had moved out of state so did not try to obtain this back through small claims. 
XX/XX/XXXX, IQ Data international  added a collection account for this rental property to my credit reports with the amount of {$810.00}, plus fees totaling {$1000.00} which has further increased to {$1000.00}. It states it had been an open account since XX/XX/XXXX. 
Now according to XXXX XXXX XXXX XXXX a rental property has 30 days to furnish to the tenant a written itemized list of the damages for which the security deposit or any portion thereof is withheld, along with the balance of the security deposit. 
The landlord shall have complied with this subsection by mailing such statement and any payment to the last known address of the tenant. 
This never accorded. To this day, I have never received any notification of anything from the property or collection agency. Therefore they have both violated XXXX XXXX XXXX XXXX 
30 days would have been XX/XX/XXXX. It has now been XXXX days since I returned the keys, it was XXXX days between moving out and this account being opened and XXXX  days until it showed up on my credit report and I was aware of it. I have not received any communication regarding this debt. 
I have disputed it with all three credit bureaus on XX/XX/XXXX and XX/XX/XXXX to no avail. I have not been able to get in contact with IQ Data International but tried on XX/XX/XXXX by phone. 
In addition to this, IQ Data International have misspelled my name. My name is XXXX XXXX XXXX but they have spelled it XXXX XXXX XXXX. So this is not even me but they have added this weird name to my report. 
All in all I have no idea why I have this collections and it is in violation to the law so needs to be removed. XXXX properties incorrectly sold it as they never notified me of anything within the allowed 30 days. Again, this is a violation of XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is violating my rights under the Fair Credit Report Act. Transunion has Family Trust Federal Credit Union three accounts XXXX XXXX XXXX reporting a past due balance and late payments. This is violating against my rights under the FCRA. I have disputed this account multiple times. They are still not fixing the inaccurate information.