23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I sent to BANK OF AMERICA, via CERTIFIED MAIL & RETURN RECEIPT, a Dispute of Inaccurate Debt Reporting, Demand for Correction under the FCRA and FDCPA for Account No. Ending with XXXX for $ XXXX, XXX.XX, and Demand for IRS Form XXXX. 

I wrote to formally dispute the accuracy of an alleged debt that BANK OF AMERICA has reported in my consumer report. Specifically, their records reflect a charge-off/write-off of this alleged debt ; however, they failed to provide the required IRS XXXX XXXX, which is necessary to confirm the reporting of this debt as forgiven and any related taxable event. Please see letter attached. 

Since BANK OF AMERICA failed to send me Form XXXX, I e-filed it and it was accepted by the IRS on XX/XX/year>.
Product: Credit card

There was fraud done under my Experian credit report. There are several credit cards that I have no knowledge of nor consented to have. The items are as listed : XXXX XXXX XXXX {$1400.00}, XXXX XXXX {$2200.00}, XXXX XXXX XXXX XXXXXXXX {$1500.00} and XXXX {$1200.00}. I never authorized to have these cards. These needs to be removed from my credit report.
Product: Checking or savings account

On XX/XX/XXXX and XX/XX/XXXX, I did transactions with merchant XXXX XXXX XXXX for getting event planning, for the amount of {$4500.00} on XX/XX/XXXX and {$6200.00} on XX/XX/XXXX, on XX/XX/XXXX I got contacted by the merchant and they told me that they are not able to make event planning because they don't have enough resources and they are gon na file bankruptcy and maximum that they can do is issue refund receipts which I can provide to my bank account provider to open a dispute and get my money back because they don't have enough funds in their checking account, I visited the next day them and got issued refund receipts, after several times trying got contacted with Bank Of America and where able to open disputes i send them receipts and told me that i will receive a temporary credits between 5 to 10 business days until claims will be resolved, i wait over 10 days and try to contact them back, i got respond that temporary credits will be issued between 24-48 hours after several days i tried to contact with them one more time, and i got respond that they will not issue temprory credits and they where not able to get respond from merchant yet and process will take up to 90 days by their policy because merchant where not respond them back to their mail request, and when i asked representative to send me copy of their policy she refused and told me she can't, and when i asked her id number she hang off phone on me! THAT'S HOW I AM PROTECTED WITH BANK OF AMERICA?
Product: Credit card or prepaid card

Made a purchase of a laptop and a phone at Best Buy in XXXX, XXXX for {$2000.00}. I was given an option to either pay for the purchase and receive a discount or put the purchase on the new Best Buy card ( issued and serviced by Citibank ) and forego the discount in place of a WAIVED interest rate on the card for a year. I chose to apply for the card. Was approved on the spot and put the purchase on it. I have serviced the outstanding balance with regular monthly payments and the outstanding balance as of XXXX, XXXX was {$1600.00}. Then my wife received a bill in XXXX, XXXX for {$2200.00}, which included an insterest of {$600.00}. I was away on a business trip, thought such a huge interest charge was some kind of mistake and I would deal with it upon my return. When I returned to US and cleed the Citibank, I was explained that the promotion on the card ended and the interest charge, that I was advertised as WAIVED, was actually only POSTPONED. I offered to settle the full outstnading balance on the spot, but was told that because on the 2nd or 3rd page of the monthly statement, this promotion was explained in fine print, bank 's policies would not allow to waive the interest even with the full payment. I escalated the matter to the second level superviser, who promised to give me a call within a week, yet, I received no follow up. I received another call from the bank at XXXX on XXXX morning of XX/XX/XXXX with the reqquest to make a payment. When I refused to accept the {$600.00} interest change, which is an outrageous amount of about 33 % on the average outstanding amount, besides the fact that I was advertised NO interest rate for one year, the representative said that they had " good news '' for me. Apperantly, the bank was willing to discount 50 % of the changed interest if I accepted the changes. This is a highway robery worthy of shady finanical operators, which I could never have expected from such respected institutions as Citibank and Best Buy. I refuse to accept the " incurred charges '' as I was plainly told there would not be ANY interest charges for a year and I was not clearly explained that I needed to pay off the full amount in under a year! Those conditions were also not clearly marked on the frint page of the statements and Citibank did everything to " catch me '' in their " trap. '' I'm willing and able to pay the outstanding amount in full. Please, help me receive justice in my complaint against completely unfair consummer practices of Citibank
Product: Debt collection

This company used information obtained from previous complaint, to defy my wishes that it cease and desist communication [ pursuant to the Federal Fair Debt Collection Practices Act ( 15 USC 1692c ) ]. I also believe it unfairly and wrongly obtained information from a formal complaint filed with the CFPB, as referenced in its direct response to said complaint.
Product: Checking or savings account

Charging a fee for paper statements and very high fees for maintenance in an effort to force me into an on-line account sign up. Unable to close this account Citizens purchased from XXXX.
Product: Debt collection

Placed a collection on my credit report of {$1800.00} I do not have any knowledge of this company or how they have access to my information
Product: Credit card or prepaid card

I dont know what wrong with the edd debit card, I tried to get into my account and its not even letting me in at all I called boa no better response I got up to XXXX grands in that card
Product: Mortgage

Received in the mail a letter from the foreclosure attorney stating my home will be sold XX/XX/2019. I'm currently in a trial modification plan and I've made the trial modification payments. How can my home be set for a foreclosure sale when I'm making payments and have provided all the requested information that my mortgage company ask me for. I spoke with customer service XX/XX/2019 and was informed they did not show a foreclosure sale date for my home, but when I spoke with the attorney office they informed me it was set for the foreclosure sale. 

Please Help!!!!!!
Product: Debt collection

This company has no contract with me or my written consent to furnish anything on my consumer report nor have i gave ANYONE CONSENT to any alleged creditor and thats Identity theft!!!, statements from a 3rd party is a right to privacy USC 1681 ( a ) ( 4 ), I have not received any validation or verfication of any alleged debt. i have sent through USPS certified mail # XXXX XXXX XXXX XXXX XXXX a request for removal from my consumer report
Product: Debt collection

THE LAW OFFICE OF JENNIFER MCCOY, P.C. 
XXXX XXXX XXXX # XXXX XXXX TN XXXX DATE : XX/XX/2018 AMOUNT IN QUESTION : {$1600.00} WRITTEN A CERTIFIED LETTER AND SENT TO COMPANY TO CORRECT THE MATTER IMMEDIATELY. COMPANY DID NOT PROVIDE SUPPORTING DOCUMENTS, AND IS IN VIOLATION OF ANTITRUST LAWS. 

COMPANY REPORTED AN INACCURATE COLLECTION ON CREDIT REPORT.
Product: Credit reporting or other personal consumer reports

I sent the below to all 3 credit reporting agencies with no response. 
Re : Exclusion of Specific Transactions from Consumer Report To Whom It May Concern, After checking my consumer report, to my surprise the following company ( s ) is/are reporting a charge off ( s ) or late payment. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX am demanding the following charge-offs ( s ) and late payments be removed because I believe my consumer rights have been validated based on the consumer law ( s ) listed below15 usc 1681a - Definitions ; rules of construction Section 2 - Exclusions subsection A subsection I - reports containing information solely as to transactions or experiences between the consumer and the person making the report.15 usc 6802 Obligations with the respect of disclosure of personal information : ( b ) OPT OUT ( 1 ) IN GENERAL A financial institution may not disclose nonpublic personal information to a non-affiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party. 
( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.15 U.S. Code 1681b - Permissible purposes of consumer reports.

( a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates Clearly, under the law a late payment is considered a Transaction and not have added to my consumer report. Under 15 usc 1681n, - Civil liability for willful noncompliance ( a ) IN GENERAL Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; as a consumer I can charge {$1000.00} for damages if you don't remove this item because it is very injurious to me. 
PLEASE DONT SAY THE ITEM HAS BEEN VERIFIED. Either the law is applicable or not! Send an updated copy once the item disputed has been removed. 


Thanks,
Product: Debt collection

I received a letter from this company in XX/XX/XXXX alleging that I owe this debt. In response I mailed a certified letter on XX/XX/XXXX, requesting for this debt to be validated. The letter was picked up on XX/XX/XXXX, however I did not receive any follow up in over 30 days. I then sent a XXXX validation request via certified mail on XX/XX/XXXX that was received by them on XX/XX/XXXX yet again, no response after 30 days. On my third attempt to get this matter resolved, I sent a letter on XX/XX/XXXX requesting to have this debt removed completely from my credit report since they obviously could not verify it. I currently have not received any communication from this company even though my last letter was received on XX/XX/XXXX. This is clearly a violation of my rights under the Fair Credit Reporting Act, in which I have the right to sue. I want this unverified account removed from my report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sold my home XX/XX/2023. XX/XX/2023 Transunion, XXXX, and XXXX stated I closed my account and dropped points. The XXXX credit bureaus status changed to " settled for less '' and dropped my XXXX XXXX XXXX points on each bureau. I contacted the creditor XXXX Mortgage, they stated " We sent paperwork showing you paid your mortgage in full ''. I contacted The three credit bureaus and explained that I sold a house and I did not settle for less but Transunion said they can't do anything. XXXX said they will attach the document but that's it. XXXX said they cant do anything. My credit score keeps dropping.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Acc XXXX XXXX XX/XX/XXXX XXXX XXXX Acc # XXXX XX/XX/XXXX XXXX XXXX  Acc XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX 
XXXX XX/XX/XXXX XXXX Acc # XXXX XX/XX/XXXX XXXX XXXX XXXX Acc # XXXX XX/XX/XXXX XXXX XXXX  Acc # XXXX XX/XX/XXXX XXXX XXXX. 
Acc # XXXX XX/XX/XXXX XXXX XXXX XXXX Acc # XXXX XX/XX/XXXX XXXX  XXXX XXXX Acc # XXXX XX/XX/XXXX XXXX XXXX XXXX Acc # XXXX XX/XX/XXXX Please removed show as closed.
Product: Credit card

Re American Express Blue Cash Everyday card : Deceptive practice This summer I have been purchasing many items online as materials and fixtures for my apartment renovation. I have used the above AmEx card because it offers 3 % cash back on online retail purchases. I learned today XX/XX/XXXX that my ability to earn 3 % back ceased on XX/XX/XXXX when I had reached {$6000.00} in purchases, and until the new year such purchases would earn 1 %. But AmEx did not inform me of that decreased reward amount until today when I called for an explanation regarding the absent 3 % designation on my monthly statement. Thus since XX/XX/XXXX I unknowingly made FIFTEEN purchases totalling {$1300.00} for which I will earn not {$39.00} but {$13.00}. 

This is a deliberate deceptive practice. It is impossible to keep track of how much one has spent up to any point on the calendar with a particular feature of a single credit card. XXXX can't just sum the amounts of monthly statements because on AmEx expenses for groceries and for gasoline, also rewarded with 3 % cash back, each have their own {$6000.00} maximums. I asked the AmEx representative why I wasn't informed that my cash back status had changed and was told that they didn't do that. Had they emailed me that they were cutting me off from the 3 % I would not have used AmEx but a XXXX card that gives me 2 % back on everything and without a limit. By not telling me, they got my charges but did not have to reward me what they had promised. 

Please inform others of this deception.
Product: Credit reporting

Pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) XXXX is reporting a collection for XXXX. XXXX. There has been no attempt to validate this debt, therefore it should not be reported.
Product: Credit reporting or other personal consumer reports

XXXX, EXPERIAN, XXXX I am writing to update/correct my personal information on file with your company. 
My ONLY Address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA, XXXX Please remove all the other addresses off my report XXXX XXXX XXXX XXXX XXXX GA, XXXX XXXX XXXX XXXX XXXX GA, XXXX as they are not deliverable to me by the U.S. post office, and they are not reportable as per the FCRA, since they are inaccurate. 
PLEASE STOP PUTTING THESE ADDRESSES BACK ON MY REPORT AS THEY ARE NOT MINE YOU ARE IN VIOLATION OF MY RIGHTS My name is XXXX XXXX Please remove any other aliases. 
Please remove all phone numbers. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a Victim of identity Theft. I did Not give any Consent to open these accounts
Product: Credit card or prepaid card

My name is XXXX XXXX I've been with credit karma since XX/XX/202, and i think I was deceived to apply for credit card through credit karma and I think it was im being mislead to apply for credit card and also preapproved for loans.i feel like they are giving me false information and I'm filing for emotional trauma and stress
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, in accordance with the Fair Credit Reporting Act XXXX Acct XXXX XXXX XXXX ACCT XXXX XXXX XXXX XXXX XXXX ACCT XXXX XXXX XXXX ACCT XXXX XXXX XXXX XXXX 

15 U.S.C 1681 section 602 A. States I have the right yo privacy.

15 U.S.C 1681 section 604 A. Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

UNAUTHORIZED FRAUDULENT INQUIRES. 
XXXX UNAUTHORIZED FRAUDULENT INQUIRES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  EQUIFAX UNAUTHORIZED FRAUDULENT INQUIRES : XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

i have contacted the company XXXX XXXX  with no results. I have sent them documents supporting this was not misuse of my account.
Product: Checking or savings account

On or around the XXXX XXXX  XXXX I tried to open a checking account for XXXX XXXX at TD Bank in XXXX, Maine for a business. It's called XXXX XXXX XXXX, XXXX. 
I provided all information required and a check from the State of Maine for around {$5300.00} more or less. 

After that. Nothing. 
The bank manager said that the social security number I provided was " wrong '' and that I would not be able to access the money inside the newly created account. 

The check cleared however and almost month later, yesterday the XXXX XXXX  XXXX, a statement was received that the funds were available at the bank. 

When I went there, they again told me that I was not being allowed access to the funds. 

At this point I threw up my hands and told her to close out the account and give me a check for the money they have from the State of Maine. She then denied having them and when I told her about the statement she said it must be wrong. 

How do I get my money back and how do I " un-cancel '' my Social Security number? 
Am I being de-banked ''? Is debanking lawful? How can I prevent this from occurring in the future?
Product: Credit card or prepaid card

I have contacted Synchrony every month since XXXX wanting to know why I was being charged a fee higher and in addition to the interest. They kept saying it was for debt protection. I have told them I never signed up for that and want it canceled along with a refund. Apparently I have been paying the fee for years and they still have not canceled it. Magically a payment I made last month never reached them. Please help.
Product: Credit card or prepaid card

On XX/XX/2021, my credit card was charged {$1100.00} for multiple unauthorized transactions. 
On XX/XX/2021, I received BOA phone call and alert telling me my " unusual credit card activity detected ''. I confirmed with the representative over the phone that those transactions were not made by me. BOA XXXX my card and issued a new one to me. 
On XX/XX/2021, I received the money back from BOA as total of {$1100.00} including one transaction that is not fraud which accounts for {$27.00}. 
On XX/XX/2021, I received the claim from BOA regarding their actions to the fraud activity. 
On XX/XX/2021, {$1100.00} was charged again by BOA which supposed to be only charge the {$27.00} one as it is not fraud. 
On XX/XX/2021, I received the email notification from BOA regarding their decision saying " while you personally didn't make the charge ( s ), we confirmed it was made by an authorized user on the account or someone who has permission to use the card. '' In the following days, I called BOA to submit my claim to BOA. 
On XX/XX/2021, I received BOA 's notification that my claim was denied.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate information reflected on my credit report. The information appears to violate my rights under the Fair Credit Reporting Act ( FCRA ) and should be removed or corrected promptly. The FCRA mandates that only accurate, complete, and verifiable information be included in credit reports ( 15 U.S.C. 1681e ( b ) ).

1. Incorrect Accounts Several accounts listed on my credit report appear to be inaccurate, incomplete, or outdated. Under FCRA Section 1681i ( a ) ( 1 ), I am entitled to dispute information that I believe to be inaccurate, and the credit reporting agency is required to investigate the disputed information within 30 days. I have reason to believe that the following accounts do not belong to me, contain incorrect data, or should no longer be listed due to age or resolution : XXXX-XXXX Account Number : XXXX Balance : {$0.00} XXXX  XXXX XXXX  XXXX Account Number : XXXX Balance : {$220.00} XXXX XXXX XXXX Account Number : XXXX Balance : {$2800.00} XXXX XXXX  XXXX Account Number : XXXX Balance : {$27000.00} As required under the FCRA, I request that these accounts be thoroughly investigated and either updated or removed from my credit report if found to be inaccurate. 

Please consider this my formal request for an investigation under the FCRA. If the items mentioned above are not removed or corrected, I will seek further action, including filing complaints with the CFPB and taking legal steps to enforce my rights under the law.
Product: Credit reporting or other personal consumer reports

I have recently reviewed my credit report and I have noticed several late payments on XXXX XXXX account # XXXX According to the Fair Credit Reporting Act 15 USC 1666b -A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

According to the the Fair Credit Reporting Act 15 USC 1681i ( 2 ) ( A ) ( i ) -report containing information solely as to transactions or experiences between the consumer and the person making the report ; According to the Fair Credit Reporting Act 15 USC 1681s-2 ( a ) ( 1 ) ( F ) - The term accommodation includes an agreement to defer 1 or more payments, make a partial payment, forbear any delinquent amounts, modify a loan or contract, or any other assistance or relief granted to a consumer who is affected by the XXXX XXXX 2019 ( COVID19 ) pandemic during the covered period.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX OF XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$1800.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$960.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX : {$0.00} XXXX XXXX  XXXX Balance : {$1200.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$960.00} XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX XXXX : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX