23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I have a credit card with Bank of America I signed up for auto payments prior to paying off my balance. After paying my balance I had a credit of {$150.00} which I was just sent a check that I had to request. 

The clerk that issued the check at BOA, did not turn off the auto pay and another {$150.00} was taken from my account even though I had a {$0.00} balance. 

The first call I made regarding this matter was XX/XX/2022. The first person I spoke with regarding this second autopayment that was taken, said she would try to reverse the charge back to my account or send me a check which she did neither. 

I called Bank of America again on XX/XX/2022 at XXXX XXXX central to have the check released for a second time and this time they refused. They said I could not be authenticated. 

Not sure why not they sent me an email to the email they have on file XXXX, I called from the telephone number they have on file my landline XXXX. I provided them my Social Security number and the last 4 numbers on the credit card account number. They said because I do not have my card and could not give the the 3 digit security code they are refusing to release my money, nor will they allow me to speak with a Supervisor to resolve this issue they said it's against BOA policy. I was told I need to go to a BOA location and provide 2 forms of identification before they would talk to me and release my money, a check they would mail to my home which is the same address they have on file. 

Also the person servicing me would not give me his name when I called on XX/XX/2022 at XXXXXXXX XXXX 

My question is how can a credit card company be allowed to take money when from a person 's account when they have a {$0.00} balance and refuse to refund their money because I lost my credit card even though they were able to validate me?
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent off certified mail letters requesting the credit bureaus to " investigate every piece of information '' on the accounts that I have listed below. I have also attached the actual letters sent out along with the tracking numbers : Actual letter sent : To whom this may concern, Your company said, I allegedly owe you money. I am willing to " Pay '' under the conditions that you are able to provide the following three pieces of information to legally verify this +debt as being % accurate : 1. Validation of the debt- that is, the actual accounting.

2. Verification of a signed invoice.

3. A copy of the signed contract binding both parties ( you and I ), and a letter by " certified mail '' so that there is an independent witness as to it being delivered. 

Kind regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX List of Accounts : XXXX To XXXX bureau re : creditor- XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Tracking # XXXX XXXX. To XXXX XXXX XXXX Credit Bureaus : Noted errors-XXXX  date opened showing : XX/XX/XXXX/ XXXX date opened being reported as : XX/XX/XXXX. 
Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( both parties representing the same debt ) Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Tracking # XXXX XXXX. To XXXX XXXX XXXX Credit Reporting Bureaus Re : Creditor- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX or ( XXXX ) XXXX Acct # XXXX Tracking # XXXX XXXX. To XXXX Credit Bureau XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX Acct # XXXX Original Creditor- XXXX XXXX XXXX XXXX XXXX XXXX. To XXXX XXXX XXXX Credit Bureaus Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX According to the FRCA The term " investigation of consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted, or wo may have knowledge concerning any such items of information.

They stated that my accounts were verified but how is that possible if they did not do a proper investigation according to the law. Also, every piece of information on these accounts are still not reporting 100 % accurate. According to the FRCA 15 USC 1681 everything has to be 100 % accurate.
Product: Mortgage

I APPLY FOR ASSISTANCE THEY APPROVE ME FOR REPAYMENT PLAN. I CANT AFFORD IT AT THIS TIME, I TRIED BARROWING FUNDS TO PAY BUT DIDNT COME THRU.I ASK THEN TO SEE IF THEY CAN DEFFERD PAYMENTS BEHIND THE LOAN. 
TEY SAID NO
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this account with the credit bureaus and the credit company. This is a fraud account, i did not co sign a loan. I have disputed this account 3 times and the credit bureaus have refused to remove this account from my credit file Experian has also re-inserted the fraudulent address back onto my credit file exposing me to more fraud. the account is as follows XXXX XXXX XXXX XXXX XXXX THE FRAUDULENT ADDRESS IS AS FOLLOWS XXXX XXXX XXXX, XXXX MI XXXX I HAVE INCLUDED THE POLICE REPORT AGAIN
Product: Credit reporting or other personal consumer reports

I recently look at a copy of my credit report and noticed several inaccuracies on my credit report, these inaccuracies are hurting my credit.I am writing to formally dispute inaccurate address information on my credit report under my rights as outlined in the Fair Credit Reporting Act ( FCRA ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX new york XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX new york These addresses are incorrect and should be removed immediately. I believe this may be a result of a clerical error or incorrect reporting by a third party. Please update my credit file to reflect the accurate information below : correct adress : XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX In accordance with the FCRA ( 15 U.S.C. 1681i ), I request that you investigate these inaccuracies and delete the incorrect addresses from my report
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts and inquires I had nothing to do with.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are fraudulent hard inquiries on my credit report that I did not authorize on my XXXX credit report. I reached out to the creditors and they refuse to do anything about it even though I've told them it's fraud. I also reached out to XXXX and they refuse to remove it as well, even though nobody can verify it. 

Hard Inquiries : CBNA - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX of XXXX - XX/XX/XXXX 2020
Product: Credit card

XXXX months ago I opened a US Bank credit card account with promotional 0 % balance transfer offer for XXXX  months. I used the offer. 

XXXX day - that's right, XXXX day (! ) - after the offer expired this XXXX, US Bank reduced my credit limit by 21 % out of the blue! No prior communication, nothing. I'd never missed a payment with them or with any other financial institution for XXXX  years! 

In addition to violating several legal doctrines, I consider the original offer a bait-and-switch practice. Had I known that IMMEDIATELY after the promotional offer expired they would significantly reduce my credit limit, I'd have not accepted opening the card and the offer. Putting customers after the fact for no objective reason is absolutely disgraceful. 

Needless to say, their reasoning " The primary reasons for this decision '' is total XXXX ( sorry for the word, but it's true ). They should evaluate customers on actual and objective credit worthiness, not on AI automatically setup biased actions that use flawed metrics and algorithms. And they DO know that I'm credit worthy. 

Let me also remind that the Federal Reserve has been decreasing interest rates and will continue to do, so US Bank 's decision is even more controversial and illogical. 

[ PS. Let me tell you what they are going to do first : They are going to shift the blame to the credit reporting agencies and say " Hey, look, they said you were not so credit worthy, so we needed to act ''. Obviously, they didn't have a problem saying the opposite XXXX  months ago when they approved me for the credit card and the offer, given my credit situation was basically THE SAME. Oh yeah, I do have evidence. ]
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act ( 15 USC 1681 section 602a ), it's essential for consumer reporting agencies like XXXX and XXXX to handle their responsibilities with fairness and respect for privacy. As a consumer, I have the right to ensure my private information remains secure, supported by 15 USC 6801, which emphasizes the obligation of financial institutions to protect customer privacy. Section 604a ( 2 ) of 15 USC 1681 specifies that consumer reporting agencies can only furnish reports with the explicit written consent of the consumer. I haven't provided such consent to XXXX, XXXX, or any financial institution. Additionally, 15 USC 6802 ( b ) ( c ) dictates that financial institutions must inform consumers about their right to withhold personal information, which was not done by the information furnishers. Furthermore, 15 USC 1681C ( a ) ( 5 ) prohibits consumer reporting agencies from including adverse information without authorization, which they've done unlawfully. Moreover, 15 U.S. Code 1681s2 ( A ) ( 1 ) prohibits furnishing inaccurate information to consumer reporting agencies, and XXXX and XXXX are not maintaining adequate procedures to prevent violations. Lastly, according to 12 CFR 1016.7, consumers have the right to opt out at any time, and I am exercising that right regarding their reporting services.
Product: Mortgage

On XXXX XXXX, 2015, I entered into agreement with Nationwide Biweekly Administration to handle my mortgage payments on a biweekly basis ( as opposed to monthly ). I was told that this would drastically reduce the amount of interest I would have to pay, and would shorten the length of my mortgage. I have tried repeatedly to contact this company to verify that payments were being made to my lender, but every attempt to contact them ( by phone or email ) has resulted in a dead end. Suspecting that I had been scammed, I have spent the last 3 days attempting to contact customer service at NBA. Every phone number they listed lead me down a path of " technical difficulties '' or " high call volume '' excuses. Not once was I able to speak to a human being. I even entered the phone option to " close my account '' with them, but that too lead to a dead end. How can I put a stop to my relationship with NBA if there is no way to contact them?
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX 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 don't have no written premission 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 and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Vehicle loan or lease

I Pay my loan on the first of every month and if that day is a weekend or a holiday I pay it before the first. Every single month they add about XXXX to XXXX  days of interest and even though this is an electronic payment, they dont count my loan as paid until many days later, so Im paying all the additional interest, every single loan Ive ever had the money that is electronic is taken out the same day if its not a holiday this is criminal.

I called him and told him they just said well we dont take it out the same day thats baloney what theyre doing is just trying to get more cash in their pockets. Can you remedy this situation? Capital One auto finance XXXX
Product: Debt collection

Debt collection agency - Harris & Harris , Ltd of XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX IL XXXX, telephone XXXX, sent me collection letter dated XXXX/XXXX/XX/XX/2015 demanding payment for debt that is already paid with original debtor. I sent a letter to collection agency dated XXXX/XXXX/XX/XX/2015 denying the demand was valid and stop any further collection attempt regarding the debt. The denial letter was mailed within 30 days of the demand letter. After the 30 days expired from the date of the demand letter, the collection agency sent a XXXX demand letter dated XXXX/XXXXXX/XX/2015 for the same debt. Collection agency did not acknowledge receiving my letter stating the debt was invalid and is continuing collection attempts for an invalid debt.
Product: Mortgage

My stepmom left me home via trust that clearly states I am the owner. The Trustee transferred the property into my name and sent the mortgage company, Chase, a copy of the deed conveying the property to me, the death certificate, and a copy of the trust clearly indicating that I am the owner of the property. Still Chase won't talk to me. They keep sending the statements to the Trustee. I can't basic information. The Trustee is frustrated with the process and is not helping me.
Product: Credit reporting or other personal consumer reports

Demand for XXXX Removal of Unverified Account Violation of 15 USC. 

I am disputing the following account on my credit report, as the late payments history and account status over XXXX  days can not be verify with supporting documentation within XXXX  days, per federal law ( XXXX XXXX ) if the credit bureau fails to provide supporting documentation from the creditor providing the validity of this account, you must delete them immediately as required by law. 

Account Name : XXXX XXXX XXXX  Account Number : XXXX Amount : XXXX The Fair Credit Reporting Act ( FCRA ) mandates that credit bureaus must remove any unverified account after XXXX  days and failure to comply is a direct violation of federal law. You can not simply " verify '' account electronically or rely on data furnishers without providing tangible proof. 

Additionally, 15 USC 1681b - states that without my express written consent this account should not be reported. If you continue reporting unverifiable account, I will escalate this matter to Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and seek legal action for damages. 

Please provide written confirmation of the deletion of the disputed accounts within XXXX  days.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX To Whom It May Concern, This Letter is in response to your recent claim that Validate Account Please ensure that all information is accurate has verified that the account they are reporting under my name is accurate.

Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your reinvestigation.

Additionally, please provide the name, address and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed.

Any automated response or e-oscar verification is unacceptable and incomplete. I am requesting a reinvestigation AND your Method of Verification.

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting.

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your noncompliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX, XXXX ), you may be liable for your willful non-compliance.

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act My contact information is as follows : XXXX XXXX SS # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX P.S. Please be aware that depending upon your response, I may be detailing any potential issues with your company via an online press release, including documentation of any potential small claims action.

Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : XXXX XXXX XXXX Cc : FTC _________________________________________ XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My dispute is with XXXX XXXX XXXX. Account Information : Account # XXXX ProductXXXX XXXX VINXXXX Term:36  In XXXX of this year, we moved from XXXX XXXX XXXX. to XXXX XXXX XXXX XXXX MA, XXXX. 

I called and reported my move to XXXX XXXX XXXX in late XXXX. By the time I called and a bill had been resent, the account was overdue. 

I received a call from collections sometime in XXXX about the delinquency of the account. Collections requested a payment over the phone. I explained that I was not going to give my credit card information out to anyone over the phone, that I had moved and to please send me a bill and I would pay immediately. 

While no bill had come in the preceding week, I took it upon myself to create an account with XXXX XXXX  XXXX  and paid over the internet. I have had the lease for 3 years and have never paid late. 

This delinquency caused my credit to drop significantly. 

So i called XXXX and explained the case. They said that bc collections called me then they were absolved from any dispute. I explained that I pleaded with collections to send a bill immediately but no bill was sent. That the forwarded mail as well as the XX/XX/XXXX/XX/XX/XXXX statement arrived yet the account was already overdue. 

Collections for XXXX does not send account statements out and I was uncomfortable making a payment over the phone. They believe that just bc collections called me and I answered then I was responsible for the bill as well as reporting to the credit bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the Credit Bureaus to delete these suspicious accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior COMPLAINT and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

In accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

XXXX XXXX XXXX XXXX {$2500.00} XXXX XXXX XXXX XXXX XXXX {$230.00} XXXXXXXX XXXX XXXX XXXX {$2000.00} XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX XXXX {$480.00} have 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 an 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 has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

There is a collections company by the name of XXXXXXXX XXXX XXXX XXXXXXXX who has been calling me for the last two years regarding a debt for a school named XXXX XXXX XXXX XXXX. Stating that I owe them Money for XXXX. Which that is incorrect. I have no knowledge of this and I asked the collections agency to provide documents to show proof this is my account and I have yet to receive it. They are XXXX  my credit report by making derogatory remarks and its effectively damaging my credit. They have been harassing me for the last two years saying they are going to garnish my wages and suspend my license if I dont pay. I have spoken to the school and still nobody can give me an answer but yet its on my credit. I have fraud alert on my credit for years because I am a victim of identify theft. I just need this to be resolved quickly because this is hurting me and my credit and its been very hard for me to try and get a house with this on my report and especially when I have No proof this belongs to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted the proper paperwork to Equifax to remove the fraudulent accounts from my credit report and Equifax did not remove them.
Product: Debt collection

Midland Credit Management has informed me of their intent to collect {$3500.00} for a past debt. I have requested both the contract I previously signed with the company and a comprehensive transaction history, but unfortunately, they have not provided this information. 

Moreover, I am concerned by their consistent reporting of varying amounts for the same account on my credit report. This continuous activity suggests an indefinite presence of the account on my report. 

Today, XX/XX/2023, when I inquired about the fluctuating amounts, Midland Credit Management stated that they were not responsible for these changes. 
Consequently, I can only conclude that this account may be fraudulent, and I am formally requesting its removal from my credit report.