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

I have been a Bank of America ( " BA '' ) customer for 30 years. On XX/XX/XXXX at XXXX PM, BA alerted me of suspected fraudulent charges of my BA Visa card. I logged into my account and determined that 4 purchases at restaurants in XXXX, PA within the last XXXX hours were indeed fraudulent ( approximately {$160.00} ). Although the bank initially reversed the charges, they later responded that they were denying the fraud claims. I asked for a further review, stating that I live in XXXX, VA and was making in person credit card charges on the same card on the same dates as the online charges in question in XXXX. I also informed them that I had not traveled to XXXX on the dates in question and had not made purchases with these merchants anytime in the past. 

On XX/XX/XXXX, XXXX, the head of Bank of America 's fraud department, called me and offered a personal apology. She said the initial claim had been reviewed by a new person in the fraud department, that she had reviewed them, and they were indeed fraudulent. The bank reversed the charges. I thought the issue was resolved, and I was satisfied. 

Today, on XX/XX/XXXX, I noticed on my BA online account that the fraud refund has now been reversed again for XXXX of the XXXX merchants. I have tried to reach out to XXXX, the head of the fraud department again, but no one answers the number she provided me, and voice mail has not been set up to leave a message. 

I am a XXXXXXXX XXXX with the federal government, and I do not make allegations of fraud lightly. Indeed, Bank of America 's own algorithms alerted me to the initial fraudulent charges. Because I am not able to get anyone from BA to provide me with evidence that these charges are indeed mine, I am seeking the assistance of the CFPB.
Product: Credit reporting or other personal consumer reports

I am so disappointed with my report, since I have been working with this incorrect information on my report for how many months now, I never received any response from my dispute. This account XXXX  XXXX with the account number XXXX is reporting 100 % incorrect. This account is always paid on time and was never late it should not be reporting as negative on my credit report. This oversight is unacceptable, especially considering the detailed letters I have previously sent outlining the errors. It is disheartening to find that my concerns have not been addressed in a fair and timely manner. They are reporting late payment but I was never late paying for any of my account. I am aware of my rights under the Fair Credit Reporting Act ( FCRA ) and the FDCPA. If you are unable to provide the requested information and validation, I insist on the immediate correction or removal of these unverifiable information on my report.
Product: Credit card or prepaid card

BARCLAYCARD XXXX XXXX Received a letter dated XX/XX/2022. The letter stated that I had not used my card with XXXX balance in some time. If I want to keep the account open, the card must be used periodically to remain in good standing. Thus, if I want it to remain open, I must use it within 30 days of notice, XX/XX/2022 or it will be closed. The credit line is XXXX, and the balance is XXXX. 

I am a XXXX  citizen with good credit history and I don't want to close the account that will reduce my credit availability. I have never heard of such a credit card request. 

Please advise me. 

Thank you in advance for your assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

NOTICE AND DEMAND this account is a corporate account with me as a member for signing this servicing company has been on notice before and has removed the erroneous information. This information needs to be deleted immediately it is still to find my personal business and may be repairable see the attached legal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint is against Experian. For NO discernable reason, they dropped my credit score by XXXX points and REFUSE to explain why. I just get generic rhetorical answers. I have worked IN credit most of my life and I KNOW the factors that affect a credit score. I have NOTHING that should have dropped my score. I reduced my credit card usage to zero percent as of my last statements, have not moved, I have not incurred new debt, I have no new inquiries, nor have any other new factors that should have caused this. 

Experian keeps answering me that they are not licensed credit advisors, so they are not qualified to answer as to why my score dropped! That is ridiculous! THEY dropped my score, so they had BETTER know why.
Product: Credit reporting

XXXX account reporting late on XXXX and XXXX 2015 when account was never past due.
Product: Credit reporting, credit repair services, or other personal consumer reports

I must admit that you removed some of the errors but you continue to report several other errors. Now I dont know why is it taking so long for you guys to remove the rest of the errors. I have complaint to you guys several times. I am asking that you guys remove the accounts and inquiries that I have attached to this message file. I am in distress and this have caused major problems. I am sending this as an internal dispute and as an affidavit. I am unaware of the accounts listed on my credit file that is attached. Please remove the accounts within 24 hours because I have waited more than 120 days to see changes on my credit file. I will definitely follow up in a few days to see if the accounts are removed. I sent an affidavit, FTC number a few months ago showing that I was a victim of fraud and I was affected by more than a several credit breaches. Please remove the errors permanently your company continues to list on my credit file. If your company continues to list the error accounts and inquiries on my credit file I wont be afraid to take legal actions and this isnt a threat so please dont be offended but I lead by action. 
Please accept this letter as a written request to dispute the following account information of items appearing on my credit report. To prevent any confusion, i have listed the items and the account numbers below. 
Accounts & Inquiries listed in the attachment areas. 
Explanation. I am requesting that the following account be removed immediately from my credit report. Im seeking further legal advise in addition to working with police investigators to locate the individual or individuals who is responsible for fraudulently establishing this account without my permission or authorization. Ive tried to work with your credit reporting agency as well as the credit grantor to have this account removed from my credit report. If i am unsuccessful with this attempt i will be forced to file a suit in federal court naming your credit reporting agency, the above creditor, collection agencies, and the acceptor of this letter as defendant. It is my understanding that per The Fair Credit Reporting Act this requesting must be given attention and completed in 30 days of your receipt, thank you for your prompt attention to this matter. 

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

OFFICIAL CONSUMER COMPLAINT and FORMAL DEMAND a thorough CHECK of the required CERTIFIED COMPLAINT REPORTING OF PHYSICALLY VERIFIED valid, true, accurate, complete, and timely of the reported alleged claims. Furthermore, I chal

lenge you to provide evidence supporting these claims. As a consumer, I have the right to contest the reportability of any information that is deficient in any way. I demand that you promptly and PERMANENTLY delete any alleged claims of inquiries, delinquencies, or derogatory remarks if you are unable, unwilling, or fail to demonstrate lawful evidence as requested throughout this notice. This removal must be carried out without exception or delay. To Whom It May Concern : My consumer rights are
being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance. I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and

Metro 2 compliance standards, I challenge all inaccuracies or deficiencies of reporting. The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable Metro 2 data field formatting standards. As a consumer, I have listed the concerns about your reporting in this document. It is not complete and does not meet applicable standards because according to law you are required for both FCRAs as well as Metro 2 compliance which must be done truthfully with correct information being provided timely so that none of my rights are violated I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits. My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i. Keep in mind, you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception. I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that there is no law that says you need to provide a Power of Attorney in order to delay processing letters from a consumer. If you do not process my letters in a timely manner, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

Auto Loan Account No. XXXX XXXX XXXX, XXXX ( XXXX XXXX ) has violated my rights. 

15 U.S.C 1681 Section 602 A : States that I have the Right to Privacy.

15 U.S.C 1681 Section 604 A Section 2 : Al states that a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : That no consumer reporting agency may make any consumer reports containing any of the following items of information that are any other adverse item of information, other than records of convictions of crimes which antecedates 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 other consumer reporting agency if the person has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

We entered into a bankruptcy, and our loan was being serviced by XXXX XXXX. During the bankruptcy, they sold the loan to Selene Finance. Unknown to us, the payments kept going to XXXX and were never picked up by Selene, so our house started to go into arrears on payments. We finally ended the bankruptcy, and had over {$29000.00} in arrears with Selene! We showed them the payments that were made to XXXX, and the payments that were supposedly made to them, but they continued to claim we were at fault. We had to enter into a repayment agreement with them in order to keep our house. The payments were double the regular mortgage payments, and the bookkeeping of how they applied the payments was unbelievable. They even added special " corporate '' fees that we never knew about or received an explanation of. These fees were applied to our loan during bankruptcy, and outside bankruptcy during our repayment. We could n't make sense of how they were applying payments, and each month, the balance of the original arrears seems to go higher, and then drops, and then goes higher again. 
We have broken down our payments, provided proof of payments, and even put together a spreadsheet outlining our true arrears. They ignored us. We called several times, and after a while we started to get automatically transferred to a voice mail box. Now after reading all the other horror stories we are worried that even after our repayment plan is done, will they come up with another method to try and make us lose our home? The mortgage statements do not reflect the payments we are making. 
During our bankruptcy we were not allowed to contact creditor and statements online did n't reflect. They did not follow the below rule : New rules effective XXXX XXXX, 2014 require that if mortgage lenders provided monthly statements before a case, they must continue providing statements during the bankruptcy case. These rules were promulgated by the Consumer Financial Protection Bureau ( CFPB ) pursuant to the Dodd-Frank Wall Street Reform and Consumer Protection Act. 

What were afraid of even after we go through this payment schedule. Are they allowed to make up new fees and we still end up losing our home. I say that because of the phone the harassing phone calls were receiving and mortgage statement that go up and down consecutively
Product: Credit reporting or other personal consumer reports

I am writing to formally address the ongoing and unresolved issue of fraudulent items on my credit report. Despite numerous attempts and providing extensive documentation to have these inaccuracies corrected, these fraudulent items continue to appear on my credit report, severely impacting my financial standing and credibility. I demand immediate action to rectify this matter. I expect a thorough investigation into why these fraudulent items continue to persist on my credit report despite multiple requests for their removal. Additionally, I require a detailed explanation of the steps being taken to resolve this issue and a clear timeline for its resolution. Also, I request compensation for the considerable inconvenience, stress, and potential financial harm caused by the ongoing presence of these fraudulent items on my credit report. They have negatively affected my ability to obtain credit, secure loans, and pursue other financial opportunities crucial for my financial stability. 
The following items should be remove as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried multiple times unsuccessfully to have the reporting of my student loans corrected at all three credit agencies. In response to my inquiries I receive form letters denying this correction. There are 12 separate listings, some are repeats of same loan, on each report of XXXX, XXXX, and TransUnion. 

Each contains multiple errors such as listed as still open and 120 days past due even though paid in full in XXXX, amounts incorrect, status incorrect marked as open when closed and multiple are over 7 years since first delinquency. 

Please help me correct these reportings. I was behind in my payments in XXXX due to personal illness and went through the loan rehabilitation process and consolidation process. My loans have been current for over 5 years yet these older accounts still remain as currently past due. 

XXXX does not respond and just sends form letters and adds comments stating verified by grantor.
Product: Vehicle loan or lease

we purchased a boat XXXX XXXX ago, paid all payments. during covid we were given payment extensions. loan matured we tried to get assistance to extend loan, but got run around. we told them we wanted to pay loan off, in the process they reported to the credit agency a late payment while we were continuing to pay regular payments. we paid off loan and feel this bank after XXXX XXXX  is scrupulous and operates un fairly.
Product: Credit card

I applied for and received a new credit card from Chase ( a sapphire reserve credit card ) using a referral I received from a family member. With the new card, there is an offer to receive XXXX bonus miles if I charge {$4000.00} in the first three months. After applying for the card through the referral link I saw on the Chase website that they were offering XXXX bonus miles to customers who receive a new card and charge {$4000.00} in the first three months ( the same requirements that were on the referral offer ). After receiving my card ( because I needed the card number to speak with someone ) I inquired to see if I could get the offer that is being advertised on their website since I applied for and received my card while this promotion was available. I was told that there was no way to receive the promotional offer unless I canceled the card and reapplied. I will do that if necessary, but there was no explanation given as to why they would not honor the promotion on their website.
Product: Payday loan, title loan, or personal loan

First of all I made several arrangements to pay my loan and was still being charged a {$30.00} dollar fee with out being explained that everytime I make payment arrangements that there would be a {$30.00} dollar late fee!!! Now I have made payment arrangements for the overdue amount and was told that I would not receive a debit on my account but the company as tryed to debit my account 3 times in one day!!! I also spoke to a representative this morning for {$60.00} dollars on the XXXX of XXXX!!! And they are still continuing to Harassing me!!!
Product: Debt collection

they call from ( XXXX ) XXXX They are a debt collector at Synchrony Bank. I have called them and even started payments on my debt. They previously were calling my personal line XXXX, which is acceptable. I got a work line a few months ago, XXXX, and they have now shifted to calling it almost daily if not XXXX, I never gave them this line yet they somehow have it on record, I have asked them to remove this number from their records and call my personal line, but when I call them they claim they do not even make outgoing calls and refuse to disclose what number they have on file, or alter their records. They refuse to give me any explanation as to why or how they have this business line.
Product: Debt collection

I sent validation letters to Mid South Adjustments asking for the original contract bearing my signature. I was told to send in my Drivers License so they can see if the signatures match. I refused because of Identity Theft and was afraid that they would just say that the signatures match. XXXX XXXX ended up sending the Contract. The signatures DOES NOT match. The dates does not match the lease. The lease states I moved in on the XXXX of XX/XX/2014 but Mid South Adjustments XXXX XXXX XXXX contract ) states on XXXX I submitted a new service application. so that means I would have went without water services for over a year. Also you will see in the Drivers License # section is blank. I would think that I would know my Drivers License number. Everything that Im stating will be highlighted in the attachments along with my filing of a FTC Report I ask for Mid South Adjustment to remove and delete this account from my credit profile. Immediately There are to many inaccuracies. PLEASE REMOVE
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE REACHED OUT TO EQUIFAX FOR HALF OF A YEAR AND THEY KEEP GIVING ME THE RUN AROUND. XXXX HAS REPORTED XXXX INACCURATE ACCOUNTS TO EQUIFAX. THOSE ACCOUNTS ARE EDFINANCIAL : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX EQUIFAX HAS TOLD ME THAT XXXX HAS OPTED IN TO REPORT MY INFORMATION BUT XXXX HAS NEVER GIVEN ME THE OPPORTUNITY TO OPT OUT! 

Information pertaining to student loan accounts EDFINANCIAL : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX are to be excluded from my consumer report. 15 U.SC. 1681 ( a ) ( XXXX ) 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information- ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated 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 ; The term financial institution as outlined in 15 U.S. Code 6809- ( 3 ) Financial institution ( A ) In general The term financial institution means any institution the business of which is engaging in financial activities as described in section 1843 ( k ) of title 12. 15 U.S.C 1681a ( ii ) ; states a consumer reports does not include any report containing information solely as to transactions or experiences between consumer and the person making the report. Consumer reports are also not to include any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card. XXXX HAD DISCLOSED MY BALANCES TO EQUIFAX AS WELL. If EQUIFAX OR these items from my reports ARENT DELETED FROM MY CREDIT PROFILE effective immediately then I will sue them in civil & FEDERAL COURT and go for monetary damages. I have all of my documentation to prove how many times I've disputed this with the bureaus including copies of complaints filed with the CFPB, that I've tried to resolve this issue yet no one seems to understand the disputes clearly spelled out other than me. Remove all of the outdated accounts now or risk being sued.
Product: Credit reporting or other personal consumer reports

Here is the letter I received from Experian and on it showed name of someone who I have no idea is.
Product: Debt collection

I have never done business with ABILITY RECOVERY SERVICES , LLC XXXX XXXX, I am unaware of any contracts or sign statement with this company. I have no business dealings with them.15 U.S. Code 1692g ( e ) Notice provisions The sending or delivery of any form or notice which does not relate to the collection of a debt and is expressly required by title 26, title V of Gramm-Leach-Bliley Act [ 15 U.S.C. 6801 et seq. ], or any provision of Federal or State law relating to notice of data security breach or privacy, or any regulation prescribed under any such provision of law, shall not be treated as an initial communication in connection with debt collection for purposes of this section. There is a issue never had any notice no paperwork as to the transfer of title of ownership, who is this third party collections agency. Regarding this alleged account, if Debt collector is different from the alleged Original Creditor, does Debt Collector have a bona fide affidavit of assignment to enter into original contract between alleged Original Creditor and alleged Debtor?