23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX XXXX I am writing to dispute the following information that Two different credit card companies provided to Equifax , XXXX   and XXXX. The item that I want to dispute is negative payment history on my credit file. Below I left the name, account numbers and dates of inaccurate information. This item from XXXX XXXX XXXX is inaccurate because I have paid off my debt from this company. As well as being an XXXX XXXX XXXX at that time, whom had no knowledge of the SCRA Relief. This account has been closed for almost 8years and has reported in the last 3 years to my credit file. I am requesting that XXXX XXXX XXXX have the item removed or the negative payment history removed to correct the information. As well as XXXX XXXXXXXX  removing the negative late payment. There are addresses and phone numbers that I dont recognize as well. I ask that all addresses and phone numbers be erased from my credit file except the one listed above. 

Sincerely, XXXX XXXX XXXX/XXXX XXXX : XXXX Dispute late payment : XX/XX/XXXX XXXX XXXX XXXX : XXXX DISPUTE late payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX without my knowledge or consent falsely accessed my experian credit report info on XX/XX/XXXX  and this is fraud. 
I never had any contact or did anything to inquire or apply for anything with XXXX  or car loan or purchase. this is fraud
Product: Mortgage

We requested for them to complete the modification, which theyve been dragging out and in lieu of they set a sale on my house. This loan was with XXXX XXXX then transferred to XXXX XXXX, then transferred to Shellpoint. And the date of the transfer to Shellpoint was XX/XX/2023, not even within a month of transfer to Shellpoint, they put a sale on my house, ALL THE WHILE I HAVE A MODIFICATION PENDING!! 
This is Dual Tracking and therefore highly illegel in the state of California and Federal. I have been trying to get a modification now for over 2 years and they keep switching servicer on me.

What should I do? Please, please help me immiedidately. This is urgen. I have a wife and XXXX children and an elderly mother in law who live at this home. We will be homeless if they don't do the right thing. 

PLEASE HELP!
Product: Credit card or prepaid card

In XXXX purchased two uniforms ( {$130.00} ) for my daughter for her dance recital that was scheduled for XXXX. One uniform was for Hip Hop & the other for Ballet ( dress ). Decided my daughter would only do Ballet & cancelled the hip uniform. The company credited me {$50.00} back from the XXXX {$130.00} XXXX, so I was charged {$80.00} for the ballet ( dress ). Covid pandemic hits in XXXX & dance theatre closes. Never receive any updates from Dance theatre & how they plan to move forward with business because they had the incorrect email address. Continually looked for updates on dance theatre sites & called with no success until XXXX. Stopped by the dance theatre to pick up dress ( {$80.00} ) & request refund for dance class charges for XXXX & XXXX they charged me ( {$70.00} ea month XXXX. XXXX XXXX unwilling to compromise & stated they were in too much debt XXXX $ XXXX XXXX due to pandemic & threw away the dress XXXX {$80.00} XXXX because they didnt have enough room. Disputed charges with my credit card company which said I didnt have enough evidence to investigate. They didnt contact the merchant & stated I needed to provide the color of the dress, brand & size. The dress was suppose to be custom made by the dance theatre, so I could not provide that information. Secondly, they never looked into my Dance class charges of {$70.00} each month that I disputed & couldnt provide an explanation on why. The dance company went to virtual classes in which we were never informed of because they didnt pick up their phone, update their website, or send an email to the correct address. Credit card company is unwilling to truly investigate & told me my option is to provide more info or contact Visa directly to see if they will investigate.
Product: Student loan

On the most recent occasion, XX/XX/19, I attempted to pay off a small loan XXXX  {$120.00} XXXX with over payment from my monthly payment. This time I attempted and followed emailed directions to completely pay off this loan, I came to find out that only {$.00} went to principal and {$.00} went towards interest on this loan. The other amount went towards the last loan I have through them. It is with great frustration that I am writing this, I am trying to move forward and pay off loans as a working professional and this company makes it very difficult.
Product: Credit card or prepaid card

Good afternoon, XX/XX/2021 : I noticed some fraudulent charges on my Bank of America credit card account. There were three ( 3 ) XXXX rides, two ( 2 ) XXXX orders, and one ( 1 ) " ACH Payment Refund '' charged against my card. The XXXX rides and the XXXX orders were disputed and refunded without issue. The " ACH Payment Refund '' fraudulent charge, however, has not been refunded to me and has been a headache to deal with. 

I have called Bank of America multiple times, been transferred between several people/departments, and called several numbers ( which were nearly impossible to find on their website ) all to keep being told that this " ACH Payment Refund '' fraudulent charge is " under investigation. '' The ACH Payment Refund was charged against my credit card on XXXX XX/XX/2021 and the amount was for {$1200.00}. I can provide the Bank of America Claim Number for this particular issue upon request from the CFPB, if needed. 

In short, I am frustrated with the process of being shifted between various people/departments, the inability to lock/freeze my own account without calling Bank of America first, the long wait/hold times, and the general runaround I seem to be receiving on this issue. Every time over the past few weeks that I was able to talk to someone, I keep getting told it is " under investigation '' and have even been told by another employee that a fraud claim wasn't even opened against this charge! I would like this {$1200.00} refunded to me so that I can then close out my Bank of America account for good. Every other credit card I have used has had features where you can freeze accounts, file claims, etc. easily ; however, Bank of America has shown through their website, app, and customer service that protecting your account isn't a top priority by making processes like this difficult. This " ACH Payment Refund '' scam seems to be a new emerging scam, particularly for Bank of America from what I have read online. One can find similar stories on sites like XXXX, for example. 

It is clear I am a victim of some type of fraud/identity theft. I am 100 % fully able and willing to provide any information to Bank of America or the CFPB, if needed, to clear my name and eliminate this charge against me. I have told Bank of America this multiple times, yet have received no follow up from them at all for this issue. It is me who has to keep reaching out to them to get status on this issue every time. 

I have paid the entire statement for the attached billing document to show good faith, ( minus the {$1200.00} charge of course ). Bank of America told me I should still pay the minimum amount of {$25.00} on the next billing cycle and that if/when this " ACH Payment Refund '' fraud charge gets resolved, I will be credited back that {$25.00} along with any interest against my card/account for this charge. This seems like a rather roundabout way of doing business, but I will comply if this means I can get this fraudulent charge cleared from my account. I hope the CFPB can assist in some way here. 

Thank you and have a great day.
Product: Credit reporting or other personal consumer reports

I need immediate update to my personal information : My name should read as XXXX XXXX. 
Address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Employer : XXXX XXXX XXXX All others should be removed as non-mailable addresses. I have tried to correct over the phone and via disputes and have been unsuccessful. This a violation and I am the consumer and the bureaus are in violation of federal law. 

Privacy Act of 1974 ( 5 U.S. Code 552a ) 4 ) the term record means any item, collection, or grouping of information about an individual that is maintained by an agency, including, but not limited to, his education, financial transactions, medical history, and criminal or employment history and that contains his name, or the identifying number, symbol, or other identifying particular assigned to the individual, such as a finger or voice print or a photograph ; This includes consumer reports ( b ) Conditions of Disclosure.No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless disclosure of the record would be ( 12 ) to a consumer reporting agency in accordance with section 3711 ( e ) of title 31. Again they need prior written instruction of the individual to whom it relates. Section 3711 ( e ) of title 31 States ( 1 ) When trying to collect a claim of the Government under a law except the Internal Revenue Code of 1986 ( 26 U.S.C. 1 et seq. ), the head of an executive, judicial, or legislative agency shall disclose to a consumer reporting agency information from a system of records that a person is responsible for a claim if ( E ) the head of the agency has established procedures to ( iii ) get satisfactory assurances from each consumer reporting agency that the agency is complying with all laws of the United States related to providing consumer credit information ; and Either way they have violated not only the Fair Credit Reporting Act but also the Privacy Act of 1974
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a account with Lexington law to monitor my credit doing so they upgraded my subscription to a larger amount and took off bad item off of my credit report that was not mine and charged me {$110.00} once {$130.00} once and I called them to try to resolve the issue and it was only able to get half of my money back and when they took the bad off of my credit my credit reported zero credit and now I have no credit score at all and can not obtain a credit score because of a bad item on my credit report that is not mine, every time I sign up for a credit card to get a small loan to build my credit it asked me a personal question of my last mortgage amount which I have no mortgage I don't have a last mortgage and never had a mortgage amount and they can not identify me due to that one bad item on my credit score. I am XXXX XXXX XXXX without a credit score and without any credit I don't have bad credit just no credit and don't know how to start to get credit because I can not get a loan due to these facts.
Product: Credit reporting

I am a victim of identity theft and have sent the credit bureaus notices todelete the inaccurate accounts that 's not mine Equifax is reporting.
Product: Debt collection

This debt is not mine. It belongs to a name similar as mine just with different prefixes. I have asked for purchase agreement so I can show them that it is not my debt, and yet to receive it. I received multiple phone calls for this debt and has asked not to be contacted because this isnt my debt. Law FCRA SECTION 605B states that it is illegal to report without my permission. This debt is reporting inaccurate and should be removed. It is reporting a past due balance and an original balance on this collection account that does not belong to me. Please remove this debt from my credit report. Thanks
Product: Debt collection

This is not my debt and when I called to inquire about it they said it was a debt of XXXX XXXX and would give no explanation of why its in my credit. When I disputed it through XXXX they claimed it was a legitimate debt but it is not. It is not mine. I am not married or even related to that person. It needs to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to the financial effects of the XXXX pandemic in XXXX, I was could not continue making the lease payments and I voluntarily surrendered a XXXX XXXX  at the XXXX dealership where I acquired the vehicle. The vehicle was accepted by the dealership and proceeded to sell the vehicle. 
XXXX XXXX XXXX obtained a judgement against me on XX/XX/XXXX for {$13000.00} for what I believe to be the balance of the lease payments. 
XXXX XXXX XXXX has been reporting missed payments and increasing the balance due each month to the credit reporting agencies the entire time. 
This week on XX/XX/XXXX, my credit score suddenly dropped 45-65 points across all 3 credit bureaus despite the judgement being assigned by the court over 1 year ago.

My disputes with all 3 credit reporting agencies have not resolved the matter on my credit report and my credit scores remain 45-65 points lower than they were on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Carrington Mortgage Service consistently will report my loan delinquent 60  days even when my loan is current. My XXXX and XXXX payment was received on XX/XX/XXXX, however, as of XX/XX/XXXX my credit report still shows as 60  days past due. I am current on my mortgage, however, Carrington continues to report my mortgage a past due which is currently affecting my credit rating and making it very hard to improve my credit score and obtain credit. I have used XXXX XXXX and XXXX XXXX offered via XXXX XXXX to monitor my XXXX and XXXX report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Bureaus are required to verify the information and status of the account being reported on my Credit Report. But in my case, Equifax has kept reporting the disputed account claiming that the information they present is accurate, in which I greatly disagree. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please have these accounts corrected : XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

On XX/XX/XXXX I noticed a fraudulent charge from XX/XX/XXXX of {$2200.00} on my Bank of America XXXX  XXXX credit card. I report this to my bank immediately. I went through the dispute process. I changed my passwords, instituted two-factor authentication, and cancelled the card which was used to make the unauthorized purchase. The purchase was from a contracting company, as the invoice alleges. I do not own a home or have any property, so it's physically impossible for me to have purchased these services. The company doesn't appear to have a website and the phone number on the invoice does not work. On XX/XX/XXXX my bank sent me a letter that says they we're unable to approve my claim because " The merchant provided documentation confirming you received the merchandise or service. '' The {$2200.00} charge is now back on my credit card account with no explanation on what documents were provided.
Product: Credit card

On XX/XX/XXXX I applied for a Chase business card and was accepted ( card number ending XXXX. ) On XX/XX/XXXX I applied for a Chase Freedom unlimited person card. I got the message " We'll review and get back to you soon. '' I was planning to use this card to buy an engagement ring. I wanted to take advantage of the of 0 % intro APR offer. 

Eight days went by and I got no further communication regarding this card. 

On XX/XX/XXXX I called Chase and asked about the status of my application. They told me they could not verify my identity, which is weird because they verified it just fine when I applied for the business card on XX/XX/XXXX. They told me I needed to take a picture of my drivers license and some mail verifying my address and upload it to their website. I did this immediately proceeding our call. 

Seven more days go by with no communication. 

On XX/XX/XXXX I called Chase and asked about the status of my application. I got put through the RINGER with being transferred to different agents. It's hard to remember how many times I was transferred, probably five times, and each time they needed to verify my identity with SSN and two factor authentication through my phone number. This was a terrible customer experience. Eventually the agent told me I needed to go into my local chase branch and get my documents verified so my identity could be verified. Luckily I live a few blocks away from a chase branch. I hang up the phone and head straight there. 

I get to the chase branch and the guy is immediately confused. I basically had to do his job for him. He took me to a desk, put me on the phone, and I had to go through the same exact rigmarole as before where I talked to a few different agents and they all had to verify my identity through SSN. Then the agent told me to go into my local chase branch to get my identiy verified. I WAS ALREADY AT MY LOCAL CHASE BRANCH. I told the phone agent this and they requested I pass the phone to the in person agent. We then sat on hold for 15 minutes. Finally, the agent told me I had been approved for the card. 

Because of this lengthy and unnecessarily complicated application process, I had to use a different credit card to buy the engagement ring. On XX/XX/XXXX the jeweler told me if I could not buy the ring soon the ring would be taken off hold and could be sold to a different customer. If chase had acted in a competent matter in the application process, I would have had the freedom unlimited card in time to make this purchase. 

Today, I transferred the balance from the card I used to buy the engagement ring ( XXXX XXXX to the chase freedom unlimited card. A {$120.00} charge was applied to my account to complete this transfer. This charge was only necessary because of the confusing application decisioning from Chase. 

I request the {$120.00} charge be removed from my account. 

Sincerely, XXXX XXXX
Product: Student loan

I would be eligible for over a year student loan forgiveness as I work as a mental health provider for a non profit. However, I was never informed of this. Instead due to my low income and being a XXXX mother I was talked into more like forced into derfeenr or forbearance as I had to chose between paying my mortgage or student loan. Now with interest I owe more than several years of my gross salary.
Product: Money transfer, virtual currency, or money service

{$420.00} was sent fraudulently. I contacted my bank and my account was not refunded and my Zelle was closed. 

There was a {$120.00} payment on XX/XX/year> There was a {$300.00} payment on XX/XX/year> I contacted my bank. They refused to refund me and closed my Zelle.
Product: Credit reporting or other personal consumer reports

TransUnion has failed to proper investigate fraud accounts listed as XXXX XXXX XXXX XXXX XXXX XXXXa I summit police report and a affidavit of fraud and they have refused to investigate it I spoke with XXXX XXXX ( Supervisor ) she stated that they can not send me proof of the account in question I need the CFPB to take matter on this action as they are violating my consumer rights
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX Date : XX/XX/XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Subject : Request to Block and Delete Fraudulent Accounts Pursuant to 15 USC 1681c-2 ( a ) Dear Equifax, I am writing to formally request the blocking and deletion of fraudulent accounts appearing on my credit file, as I am a victim of identity theft. My personal information was compromised due to the recent data breach. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681c-2 ( a ), I am entitled to have these accounts removed from my credit report promptly. 

The following accounts are fraudulent and were not opened or authorized by me : XXXX XXXX XXXX  - Date opened XX/XX/XXXXXXXX XXXX XXXX XXXX - Date opened XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX - Date opened XX/XX/XXXX XXXX XXXX - Date opened XX/XX/XXXXXXXX  In accordance with 15 USC 1681c-2 ( a ), I am providing the following documents to support my request : 1. A copy of my identity theft report filed with FTC 2. A copy of my governme

nt-issued identification ( e.g., drivers license ). 3. Proof of address ( e.g., utility bill, lease agreement ). 

I request that these fraudulent accounts be blocked and removed from my credit file. Please notify me in writing of the results of your investigation and any actions taken. 

Thank you for your prompt attention to this matter Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Accordance with the fair credit reporting act XXXX  account number has violated my rights 15 USC 1681 section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666 : A creditor may not treat a payment on a credit card under an open end consumer credit plan as late for any purpose.
Product: Checking or savings account

I transferred XXXX dollars to the stilt bank account waited two days for it to clear once cleared I was able to make point of sale transactions when I tried to withdraw the remaining XXXX in my account they locked my account after going through all the steps to verify my identity my account was unlocked but not my money its been almost a week and Ive been getting the run around I feel as if this bank is not legit an I just want my money and to close the account
Product: Credit reporting, credit repair services, or other personal consumer reports

Medical bill that was already paid. I tried getting a loan to refinance my home and it show as not paid. I called the collection agency and they had no record of me owing.