23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

DEAR CONSUMER FINANCIAL PROTECTION BUREAU SO IM SUBMITTED WRITTEN ONLINE COMPLAINT I HAVE AGANIST BANK OF AMERICAN SO THIS REGUARDING CHECKING ACCOUNT ONLINE BILL PAYMENT THAT WAS AUTHORIZED ON MY BEHALF SO THE BANK OF AMERICAN CUSTOMER MADE ONLINE BILL PAYMENT OF XXXX CENTS FROM CHECKING ACCOUNT AND BEFORE THE BANK OF AMERICAN CUSTOMER MADE BILL PAYMENT FROM CHECKING ACCOUNT THERE WAS FUNDS IN MY CHECKING ACCOUNT BALANCE TO COVERAGE THE RECENT TRANSACTION HISTORY PAYMENT THAT WAS AUTHORIZED MADE VIA ONLINE BANK OF AMERICAN ONLINE ACCOUNT THE PAYMENT TRANSACTION AMOUNT WAS DEDUCTIBLE FROM MY CHECKING ACCOUNT BALANCE BEFORE THE PAYMENT AMOUNT WAS SENT TO XXXX XXXX XXXX XXXX AND AFTER THE PAYMENT AMOUNT WAS MADE TO INSURANCE COMPANY I CHECK MY TRANSACTION ACCOUNT BALANCE BEFORE THE XXXX XXXX XXXX PAYMENT WAS MADE AND MY LIFE INSURANCE AGENT CALL ME TODAY AND TOLD ME THE CASHIER CHECK SHES RECIEVE BY VIA MAIL DID NOT HONOR FROM BANK OF AMERICAN CHECKING ACCOUNT MY XXXX XXXX XXXX XXXX CALL ME TODAY AND TOLD ME THAT THERE WAS INSUFFICIENT FUNDS IN MY CHECKING ACCOUNT BANK OF AMERICAN CUSTOMER SERVICES TELEPHONE NUMBER XXXX THE BANK OF AMERICAN CHECKING ACCOUNT CUSTOMER DID PLACE STOP PAYMENT ON THE OUTSTANDING CASHIER CHECK THAT WAS MAIL FROM MY BANK I CAN PROVIDE BANK OF AMERICAN CHECK NUMBER XXXX THIS WAS THE RECENT CHECK NUMBER THAT WAS ISSUE ON MY ONLINE BILL PAYMENT ACCOUNT HISTORY SO NOW BANK OF AMERICAN TELLING ME THEY NOT GOING TO REPLACEMENT FUNDS BACK INTO MY CHECKING ACCOUNT SINCE THEY DID NOT AUTHORIZED THE PAYMENT TRANSACTION PAYMENT AMOUNT ON MY BEHALF ONCE AGAIN CUSTOMER CHECKING ACCOUNT SHOULD COVERAGE FDIC INSURANCE OF CERTIFICATE DEPOSIT SO NOW BANK OF AMERICAN CUSTOMER GOING HAVE TO OWED PAYMENT FOR TWO MONTHS XXXX FOR LIFE INSURANCE PAYMENT NOT BEING PAYMENT ON TIME
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent 3 letters to the credit bureaus : XXXX, Transunion and XXXX  bur they don't update the informations on my credit report, and don't remove things that I already paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

companies obtained my credit report without my authorization
Product: Credit reporting or other personal consumer reports

Im requesting for all student loans to be removed from my credit report per 20 USC 1232 ( g ) 5 USC 552 ( a ) 34CFR 99 The Privacy Act of 1974 ( FERPA )
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fiar Credit Reporting act, XXXX XXXX XXXX, HAS VIOLATED MY RIGHTS. 


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

15 U.S.C 1681 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Checking or savings account

I initiated a transfer from Ally on XXXX to a new credit union. The transfer was flagged due to it being in a different geographic area ( I just moved. ) My Ally account was suspended then. I called on XXXX and the suspension was removed, but the transfer never arrived at my credit union per the transfer schedule on posted on Ally. On XXXX, an Ally representative told me that my funds would be at my credit union on XXXX. On XXXX, an Ally representative advised that my credit union had returned the transfer due to insufficient funds. ( Clearly, that is not a reason that a credit union would use to refuse an incoming transfer. ) I talked with my credit union, and they had no record of an ACH in the amount in question or the tracing number provided by Ally. The funds posted back into my Ally account on XXXX, but now my account is suspended again. I have called Ally several times and am always told that the matter will be addressed in 1 to 2 business days. I am now at one week without access to my funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List o f accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX - Account # XXXX, Account name : XXXXXXXX XXXX - Account # XXXX, Account name : XXXX - Account # XXXX, Account name : XXXX  XXXX XXXX Account # XXXX, Account name : XXXX XXXXXXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

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

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.

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

On XX/XX/2022 I spoke over the phone to Customer Service Supervisor ID : XXXX at XXXX AM call ending at XXXX AM from overseas with a cost of {$0.00} p/m in regard to an alert received on my Credit Report stablishing that there was a late payment reported in the card # XXXX even though previously another customer service representative called me saying that I was late on my payment and later she agreed that there was nothing to worry about because I told her that my account was in autopayment and she agreed to it, she apologizes for the inconvenience. Customer Service XXXX, ID : XXXX after checking the system found that it was showing late payment due to a conversion occurred in their system on XX/XX/2022 among others previously which did not change my automatic payment status, this person advised me to wright a letter to reverse or correct this information to the Credit Bureaus and to request a refund for the late fee charged back on XX/XX/2022. 
Please be advised that when their mistakenly reported this late payment to the Credit Bureaus my score drop over XXXX points approximately depending on the bureaus which is causing me to wait for you correction to keep doing business. 
Later I sent XXXX letters to the the department in charge to correct this errors and they replyed back to me saying that they are right causing me a halt in the process of using my credit, XXXX credit card cancel cancel on my for this fico drop.
Product: Mortgage

I have a mortgage, loan number XXXX, with CMG Financial, a division of CMB Mortgage Inc. I have been calling since XX/XX/2019 to request what they call a netted payoff, since my escrow balance is significantly more than what I owe on the loan. I also called them XX/XX/XXXX, XXXX, XXXX and XXXX. I was promissed a payoff that would take place and on the last phone call was told the loan would be paid off on or by the beginning of XXXX because FHA requires the payoff take place at the beginning of the month. My loan is still not paid in full, acruing just a little interest since the balance is so small, but I've also been charged PMI for XXXX and XXXX, thanks to their inability to do what I asked. I need the loan paid off, without the inconvenience of sending certified funds when the escrow balance is more than sufficient.
Product: Credit reporting or other personal consumer reports

Greetings, I appreciate your attention to this matter. My name is XXXX XXXX XXXX I have been notified that I am a victim of the XXXX data breach, which has resulted in the theft of my identity. I am requesting the enforcement of my consumer rights as specified in FCRA SECTION 605B ( 15 U.S.C. 1681c-2 ). Please remove all fraudulent information from my credit report promptly.
Product: Credit card or prepaid card

I've been disputing this account for over two years. This account is reporting wrong and misinformation. This agency has not validated any of this information in any shape or form. And this agency keeps reporting this wrong misinformation to credit bureaus without any written or signed authorization from me. I have never given this agency any written or signed authorization to report any information concerning me.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to demand the immediate deletion of a closed negative account from my credit report in accordance with 15 USC 1681e of the Fair Credit Reporting Act ( FCRA ). I have consulted with legal counsel regarding this matter. 


Name : XXXX  Lending Account Number : XXXX Date of Closure : XX/XX/year> I assert that this closed negative account is inaccurately reported on my credit file and does not reflect my true credit history. Pursuant to 15 USC 1681e, I request that you promptly investigate this matter and remove the aforementioned account from my credit report without delay. 

I remind you of your obligation under the FCRA to ensure the accuracy of consumer credit reports. Any failure to comply with this obligation may result in legal consequences. 

I expect that you will take immediate action to investigate and rectify the inaccuracies on my credit report. I demand confirmation of the removal of the disputed account within the statutory time frame. 

Thank you for your prompt attention to this matter.
Product: Debt collection

I have received several calls in regards to an account I co signed on for a friend that was ultimately charged off after non payment. I was told that the people calling were with a law firm but would not state where from. I did not receive names either. I was only told to get ahold of Chrysler capital and begin to make payments or legal action would be taken against me and I was assured I would go to prison, I was told I would serve " a dollar for every day '' I owed. I dug deeper and I came to find out that my account has not been sent to a collection agency. So who else other than Chrysler Capitol would be calling me saying these things? Who else has a motive? I am in XXXX and am very sick and living off social security wages and am barely making ends meet. I have received roughly XXXX or XXXX calls in this manner. It is too much too handle.
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to the recent Equifax data breach from XXXX to XXXX of 2017 my personal information appears to have been stolen by an unauthorized person ( s ). I appreciate the work Equifax did to stop this breach and to notify those affected. However, I have no agreement with Equifax and upon allowing my personal credit information to be disseminated to possibly malicious individuals they have caused undue stress and possible financial disaster to myself and possibly more than 100 million others. 
After reaching out to see what they are doing about this situation I found that they are signing affected individuals up for a one-year membership for identity fraud insurance. 
This is unacceptable. I can not and will not accept responsibility in any time frame for their failure to protect my information. 
Thank you.
Product: Credit card or prepaid card

My XXXX payment was credited one day late, and I was charged a {$29.00} late fee and {$53.00} in interest. I mailed a dispute letter to the company on XX/XX/2021. I disputed the charges because I had ordered my payment on time from my bank by ACH as usual, but the credit card issuer refused to accept ACH payment, so the bank had to send a check. This sudden change in terms caused the late payment. Despite my dispute, I paid the ENTIRE balance due on that statement. I never received response to my XX/XX/XXXX letter. Despite my payment of the ENTIRE XXXX statement balance, credited four days prior to the next due date, my XXXX statement included an unexplained additional charge of {$25.00} in interest. I wrote again to the company in a letter posted on XX/XX/XXXX and have again received no response. I paid the balance due on my XXXX statement, deducting only the {$25.00} in interest. Now I have received my XXXX statement, on which I again have been charged {$13.00} in interest without explanation or response of any kind to my letters. My account is not in arrears, and I dispute both the original {$29.00} late fee and the subsequent interest charges.
Product: Checking or savings account

I asked for the documents showing why my dispute was denied. The documents was fake & fraudulent. The incident happened XX/XX/year>. The documents they sent was dated XX/XX/year>. All 5 transactions were the same transactions disguised as 5 different transactions. Also the balance never changed. XXXX dollars was withdrawn so the balance should reflect XXXX missing. The balance only changed XXXX dollars
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts below are not mine. I respectfully request a full complete investigation regarding these accounts. I have attached My 609 letters, XXXX COMPLAINT, & FTC REPORT XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/20XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022 XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2022 XXXXXXXX XXXX XXXX XXXXXX/XX/2022 I request to have the above accounts and inquiries removed from my credit report.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> : I had an alert from XXXX XXXX that my XXXX XXXX account is XXXX  days past due. This is inaccurate information. 15 U.S Code 6802 ( b ) ( c ) states that, A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. I, the consumer, was never informed by Transunion of my right to exercise my nondisclosure option. These consumer reporting agencies are in violation of the Fair Credit Reporting Act, due to not complying with 15 U.S Code 1681b Permissible purpose of consumer reports : They need your written consent to add anything to your consumer report if you did not give this authorization that is a violation of FCRA. Furthermore, I did not give Transunion, XXXX or XXXX authorization to furnish my information and whether it be verbal, non-verbal, written, implied or otherwise it is REVOKED.
Product: Checking or savings account

My wife and I opened up a ira account at Bank of america in XXXX ca. With XXXX money she received from her job at XXXX XXXX, I am on this account as beneficiary. The amount of {$120000.00} was deposited. We received a deposit slip, a ira adoption agreement, the account summary information, and a business card from the bank teller. After my wife 's died I went to different bank of America 's to let them know that my wife passed away and that I was benificerary on this account and I wanted to know the balance of the account. They took all the information from me they needed to identify me and the ira account one bofa branch told me this account was closed and would not give me no information about the account! Another branch told me they could not find this account even though I gave them the account number from the bank form I gave them they told me it was nothing they could do. I was sent to different departments no one would tell me where the money is. There had been others with similar issues as this with this bofa XXXX california. Please help for this money is needed I am handicapped, unemployed and trying to hold on to my home can some one please help.
Product: Credit reporting or other personal consumer reports

I am writing this letter to request a dispute on several hard inquiries that have appeared in my credit report. The hard inquiries listed are as the follows : XXXXXXXX XXXX XXXX ( XXXX ) XXXX Inquiry Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Inquiry Date : XX/XX/XXXXXXXX XXXX XXXX XXXX
Product: Debt collection

My wife keeps getting harassing phone calls on her cell phone from Diversified Consultants, Inc. We do not owe any debt yet they keep calling her despite being told that she is not the person they are trying to contact!!. Now they are even calling her cell phone!
Product: Mortgage

This is XXXX XXXX Formerly of XXXX XXXX XXXX XXXX MD. 

We have repeatedly asked Ocwen and also have let them know that there was a second mortgage modification program in place if your first mortgage is modified and ours was and also Ocwen owned the first mortgage also. 

Ocwen will not respond to my question about the modification on the second mortgage.I am asking Ocwen again to please communicate and they choose not to. 
I am not looking for response by email I am requiring live contact by phone or in person. 
I have a XXXX and my sight is affected by the blue light on computers. 

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

To whom it may concern : According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted STANDARD of metro 2 data field reporting, I have the right to dispute any information on my credit report that I believe is not correct.I can not recognize or accept the allegation of delinquency without factual proof. According to federal and state law, you must report any allegations with the greatest compliance and accuracy possible.You should not report any claims that you know or should know are not in compliance with regulations and the law. I am writing to inform you that you need to make sure all your claims are factual and certified before reporting them. This is required by the Metro 2 reporting standard. I request that you provide evidence to support the existence of the account and evidence that the account was used for a permissible purpose. I am giving you 30 days to investigate the matter and determine whether it is still being reported accurately and in compliance with regulations. If it is not, I want it removed from the report.
Product: Credit card or prepaid card

On XX/XX/XXXX US Bank offered me a visa credit card that only could be applied within the bank that's how bank employee made their monthly sales quota. The person that I had lied about the percent rate she said it was going to be zero interest rate for 15 months and after that it would be 9.9 percent to my surprise it was 24 percent, I told them many of times that it was fraud committed within the bank. I made over 50 calls trying to resolved this matter I tried to get them to lower my interest rate but they wouldn't help me. They keep saying your account is in good status you have to be delinquent to get a low interest rate. I told them I can not afford to make the payments at that rate they refused to help me I spoke managers and supervisors I obtain a police report XX/XX/XXXX hoping that would help but no they messed my credit report up I ask them to take some of the interest off my account and remove it from my credit report I was trying to work it out with them so I can a payments. On XX/XX/XXXX I spoke with a supervisor she said the bank file a complaint on me. The collection representative was yelling at me and talking smart I told her I will hang up on her she said hang up. Then I call her a name this situation is causing me a lot of stress pain and suffering please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transworld Systems Inc is reporting a frauduent account on my credit. Upon speaking to Tranworld Systems they informed me that this accounts is linked to an adress I am not affiliated with. Please remove this account from my credit
Product: Debt collection

2 months ago i got XXXX accounts of fraud in collection and i had to dispute them and they were all from Texas. Here we go with another fraud item to my name to Texas. 
Please see below for company. 
COLLECTION SOUTHWEST RECOVERY SER XXXX... 
{$430.00} Payment Status Credit Report Period XX/XX/2024 Creditor Info SOUTHWEST RECOVERY SER XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/22 I went to deposit a check I had received for {$3800.00}. on XXXX I went to see if check had gone through and to withdraw {$3300.00}. prior to being given the money I asked the teller if the check had cleared, if the money was mine and she responded yes. After sending the check of {$3300.00} on XXXX, XXXX the original check bounced for the {$3800.00} putting my account thousands of dollars into the negative. When the bank was called on XXXX to report fraudulent activity and try to stop the cashiers check they said there was nothing I could do and we needed to wait for the crime to be commited. Now that the money has been taken and my account is accruing overdraft fees daily They said it was my responsibility and they stated I was given the money due to how long I have had an account with them, not because the money had cleared. The cashiers check that I received for these funds was then deposited and they stated there is nothing they can do. I reported to them the concern for it being fraudulent. I did my due part in asking multiple times if the money has cleared and they wrongfully said yes. Had it not cleared I would have never withdraw the money. I had XXXX cents to my name prior to my deposit. I have reached out to every manager possible and nothing has been done at this time.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax mishandled my personal information including name, social security number, address, birthdate, driver 's license number, and possibly more. They allowed a data breach to occur in XXXX XXXX, and they confirmed I could be affected on their website, www.equifaxsecurity2017.com. 

They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services. They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives who dumped stock immediately prior to the data breach announcement.