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

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some account. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the account : XXXX XXXX Date Opened : XX/XX/2014 Balance : {$0.00}
Product: Checking or savings account

Bank of America was presented with a Court Order in the name of a Company other then the company name on our company bank account. The name of the company on the Court Order was similar to the company name on our bank account and the address is the same location as ours - which is a shared executive office space, there are hundreds of companies in this location. Bank of America did not request, receive or verify a Tax ID number for the company on the Court Order nor any ownership SSN or TAX ID information that matched the company information on our account or any of our owners. Instead Bank of America removed {$46000.00} and {$6800.00} from 2 of our company accounts on XX/XX/2018. When contacting Bank of America they continue to provided the case number for the matter on the court order, we logged in and verified that the court order was not in our company name, and when informing Bank of America of this, instructed us to call the attorney who presented the Court Order. They have also admitted and verified that they do not have any Tax ID or SSN information to verify the Court Order. Bank of America does not allow customers to speak to their legal department thus I went to our Branch and they had to simply call the legal department who told them the same thing. When asked to see Bank of America 's policy for verification of these types of court orders and the processing policies Bank of America refused to provide any information. These actions should have everyone concerned about their bank accounts with Bank of America - they are not safe when anyone can send a order in some other name to the bank and the bank gives them {$51000.00}. Attaching both the Court Order and a clip of our Bank of American Account statement for XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently submitted a request for investigation of an Acct Number : CHILDSUPPORT XXXX CHILD SUPPORT ENFORCEM XXXX XXXX XXXX XXXXXXXX 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 DPT EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX XXXX, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditorsXXXX in question. Sending out a generic form through the XXXX system that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX A SOC SEC # XXXX XXXX XX/XX/1976 ADDRESS XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent itemsin my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

No matter how many times I send them " tickets '' they refuse to answer the basic questions I have or even read the questions I asked. They simply send a link to whatever subject they decide to and then close the ticket without answering or solving ANYTHING. I've had no access to my account for YEARS and all they do is create another procedure I have to follow, change another rule or add two more steps I can't comply with to prevent me from gaining access. Or they simply send the wrong info and close the ticket. No matter how many times I tell them I CAN NOT LOGIN they simply send a link for instructions on changing passwords, etc that ALL START WITH " LOGIN. '' They've simply create a never-ending loop that can't be broken as long as they refuse to read the issues, and continue sending irrelevant links and closing the tickets. And since there is no phone support or direct support with a real person at any stage, I am forced to just keep putting up with whatever stupidity they decide to throw out next. I have even tried asking how to direct my attorney to deal with them and they simply send more links that I can't follow and not answer the question. It was my understanding that they are REQUIRED to provide legal information, but even if that's true, I don't see why they'd start complying now. 
They have made problems where there were none, and refused to answer the most basic questions. The last time we went through all this they said the phone number I signed up with when I opened the Coinbase account was no longer useable ( even though they continue to send 2fa codes to that same number even today ) and claimed I had to open yet ANOTHER account to access MY funds. I played along and attempted to do so and they refuse to help with that. It got as far as opening it and then they said I had a 2fa problem AGAIN when I was actually in the account and trying to make a transaction. No amount of trying to explain that was able to penetrate the thick skulls of the CS reps, asnd thus they continued to claim it was a 2fa problem. Eventually we moved into identification territory. They claimed that my ID had not been verified, even though I'm an existing account holder, but when I was directed to re-submit ID verification I was unable to LOGIN ( which EVERY SINGLE PROCEDURE REQUIRES AS STEP 1 ) and they refuse to do anything except continue to send links for instructions I can't follow.
Product: Credit card

I was lured into opening a store credit card account for NORDSTROM RACK due to some ongoing offers but never sent me the card. Later they charged for late payment and I paid everything off immediately. In that conversation, the representative was very rude and kept blaming me for their mistakes. When asked to allow me to talk to a manager, they responded, " We don't have a manager and we will note your complaint ''. Hence I asked them to immediately close my account. After three months I received a call saying that I was left with an amount of 2 dollars and I had to pay interest and late payment charges, I explained the whole issue, and she apologized and said I would close the account again and file a complaint. Again I was made aware that no manager can look after this issue. After 3-4 months I again received a call from them to pay off some small amount pending on my account and interest for it. I have recorded this conversation where they lightly said we will close the account and I am sorry for the inconvenience. I had never made a late payment in all my credit payments and due to this mishap, my credit score has dropped substantially which is also affecting me in my further financial endeavours. Kindly look into this issue and help me out.
Product: Payday loan, title loan, or personal loan

I did not apply for a loan with this company and they are stating that I did. I have no knowledge of this account.
Product: Credit card

I missed my XX/XX/XXXX PC Richards store card payment. On XX/XX/XXXX I called Synchrony Bank to explain my current financial situation and how I can bring my account current. After discussing my financial situation Synchrony Bank placed me on their " Customer Assistance Plan. '' They explained that this plan takes my total balance as of XX/XX/XXXX and divides it into 48 months. During the 48 months I will incur no more late fees, no interest, no penalties and I will be up to date ; as long as I make the new minimum payments. On XX/XX/XXXX I received a credit alert that PC Richards reported me as being more than 60 days delinquent. I called Synchrony Bank on XX/XX/XXXX and enquired as to our arrangement on XX/XX/XXXX ; they gave me a complaint number and said they would call me back. While waiting for a response I did not pay the XX/XX/XXXX payment. On XX/XX/XXXX they called I offered to pay the past due payment we agreed to on XX/XX/XXXX but the said the past due balance was more. Upon further discussion on XX/XX/XXXX Synchrony Bank told me that they charged me a late fee for missing XX/XX/XXXX payment even though our agreement was still enforce. Additionally they are still reporting to the credit bureau that I am over 90 days delinquent when our agreement on XX/XX/XXXX is anew agreement. As of XX/XX/XXXX I am update with the payments. They were continuing to bill me he full past due balance and reporting be as delinquent when we had agree to new terms. 
monthly. On XX/XX/XXXX I paid the 1st payment. On XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX, I paid " XXXX XXXX XXXX  '' located at XXXX XXXX XXXX XXXX, FL XXXX, the agreed upon amount to close my collection account. The collection was still being reported on XXXX back in XXXX, so I called to see what the issue was, and XXXX XXXX XXXX  informed me that everything should be all cleared up. It is now XXXX and my account is still showing up as in collection on XXXX, and I would like it removed as it is rendering me unable to apply for new credit.
Product: Credit reporting or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) require the XXXX Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX Balance : {$6600.00} XXXX  XXXX Balance : {$4400.00} XXXX  XXXX Balance : {$6300.00} XXXX  XXXX Balance : {$6400.00} XXXX  XXXX Balance : {$0.00}
Product: Credit card or prepaid card

RE : Bb & t bank XXXX XXXX XXXX XXXX XXXX, FL XXXX Website : www.bb & t.com Transaction Date : XX/XX/2018 Amount Paid : XXXX Payment Method : Prepaid Debit ( such as XXXX XXXX XXXX or others ) Subject : Bank Bb & t bank let XXXX XXXX and XXXX XXXX take money out my account with out my concentXX/XX/2018 XX/XX/18 BB & T Balance Debit {$1400.00} XX/XX/2018 I want my money back XX/XX/18 BB & T Balance Debit {$540.00} XXXX i want my money back
Product: Credit reporting, credit repair services, or other personal consumer reports

I need help ... I disputed these accounts several time and not one since credit bureau is responding to my dispute request .... I want these negative items deleted immediately. 

XXXX XXXX XXXX XXXX-UNVERIFIED ACCOUNT XXXX XXXX XXXX XXXX  XXXX-UNVERIFIED ACCOUNT XXXX XXXX XXXX XXXX- no knowledge of account. If unproven, unverified, or non-compliant, Demand deletion immediately. 
XXXX XXXX-UNVERIFIED ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, TEXAS XXXX XXXX XX/XX/XXXX
Product: Mortgage

Like most Americans, I was affected by the COVID pandemic. My loan is a XXXX XXXX loan and in doing my own research I have found some errors I believe were made by Specialized Loan Servicing. I was never notified there was assistance available. I was never advised of the forbearance that was available, I also was never informed about the CARES act or any assistance that I could have utilized. I fell behind on XX/XX/XXXX almost a full year after the CARES act was passed. I received a call from SLS and told to make XXXX payments to save me from falling more than 60 days behind on XX/XX/XXXX. We have included the transaction history and that information was inaccurate. I received default notices on XX/XX/XXXX and XXXX, XXXX. I was sent a default email XX/XX/XXXX. Our concern is that SLS put me in a default situation when there was available assistance. Also, I believe that assistance was supposed to be offered to me every 34 days after a missed payment.We are looking for an explanation as to why my lender did not attempt to help me during a global pandemic, and after the CARES act was passed to help homeowners. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are late payments being reported inaccurately on my 3 consumer reports. They're all reporting something different ( EX-XXXX  ). I have reached out to all creditors and 3 bureaus and all give me the run around
Product: Debt collection

A collection agency emailed my sister about a toll. Exposing my information and the debt owed. I do not have a strong relationship with her and shocked that they can just casually send debts to random people without confirming identity. I highlighted the email address that it was sent to. Not my email at all and Ive never used it before.
Product: Payday loan, title loan, personal loan, or advance loan

It complaint or dispute on the amount of interest to principal for the amount time to credit report cause they don't make my credit history calculations and there was not or there should be a calculation paper payment on the interest and principal at the signing of the these loans not after
Product: Credit reporting, credit repair services, or other personal consumer reports

++++XXXX XXXX++++ XXXX details Equifax XXXX XXXX from XX/XX/XXXX Misc. 
XXXX XXXX XXXX from XX/XX/XXXX Misc. 
XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXl Inquiry from XX/XX/XXXX XXXX XXXX  XXXX XXXX/XXXX  Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX ***Equifax*** Inquiry details XXXX XXXX , XXXX XXXX  Inquiry from XX/XX/XXXX XXXX
Product: Vehicle loan or lease

In XX/XX/2023 I received an alert on my credit report of being past due 30 days with Chase auto finance for my XXXX lease payment. They told me my auto payment setting that have been in place for years were turned off. I was not notified of this by any of the contact information I provided to them. I asked Chase for evidence that they had told me my auto payment information had been deleted by them and they could not provide it. They said they have a call record but I did not talk to them on the phone. When asked for the recording or a transcript of the recording they refused. When I asked for proof of delivery of postal mail to me they refused. They would not provide me is any evidence I was told they turned off my payment settings so I did not discover late payment until it had already happened. I asked them to correct this and they said it's against the law to correct past reports. The refused to provide any explanation or evidence.
Product: Credit card

Applied for a Citi XXXX XXXX credit card online. Was told I needed to wait for a letter to arrive in the mail with a reference letter to verify my address. Waited for that letter. Account was approved. Received it in the mail. Activated the card. Set up online access. Added my bank account to pay. Account looked good. Now, I must mention Citi had a sign up offer to spend {$4000.00} in 3 months to get XXXX points. I used my card this morning on XX/XX/year> through XXXX ( which is supposed to be secure ) to pay for parking, breakfast and gas. Tried to use it at the supermarket through XXXX ( again, secure ), and was declined. Used a different card to pay. Received a message to contact Citi. Called that number and spoke with supervisor XXXX ( US based supervisor ) who cleared the alerts and told me I could use my card. Tried to use my card and it declined. Spoke with supervisor XXXX ( US Fraud supervisor ) who was impolite and unhelpful. XXXX XXXX stated the only way to assist is to send me a letter with a code. Now, when I told her Citi had a timeline of 90 days to meet my spending and I couldn't wait every time I got a block for a letter that takes ~ 2 weeks to arrive she stated she couldn't do anything. She couldn't care less. She couldn't transfer me to any other department and basically told me " tough luck ''. Now, Citi will hide itself behind the argument that the take security very seriously etc etc. The issue at play here is that they are lying to consumers. They demand consumers to spend XXXX  amount of money in 90 days, but place roadblocks along the way to make it impossible for consumers to do that. The CFPB should investigate Citi Bank 's practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

My five credit card account is not delinquent Or derogatory.
Product: Credit card

On XX/XX/2023, I got an alert on my phone from Bank of America warning me of Suspicious Activity. ( see BoA 1 attachment ), and that my card was closed until the matter was addressed. I went to the website and noticed that there were three charges listed that I was unaware of ( see BoA 2 ). One charge was pending, and two others were denied. I identified those transactions as fraudulent, and that i still had possession of my card. The charges were made online and my information must have been taken from the internet. 

Bank of America credited my card for the {$250.00} temporarily ( see attachment XXXX ). It should be noted that in the upper right corner of the document, {$500.00} is listed, though I dont know why. 

In XXXX, I was issued a new card. 

In XXXX, I received a message denying my claim. ( see attachment BoA 4 ). The reasoning is that the merchant provided documentation that I received the merchandise or service. I found this odd since Im not disputing that whoever stole my credit card information received the goods they purchased. My issue is that my credit card information was stolen and used. ( The mysterious {$500.00} is also listed in the upper right corner of this letter ). 

I called Bank of America and requested that they reopen the case and that I receive a copy of the documentation used to deny my claim. They sent the documentation to me ( see BoA 5 ). The documentation lists that the purchaser had my name and email address, which I assume would be part of the banking information stolen from me when they got my credit card number. It also lists an IP address which is in the same county in which I live, but not my IP address. The documentation doesnt provide any information about the two other charges that were attempted on my card or the IP address where those were made. If they came from other parts of the globe, that would lend credence to my issue of credit card theft. Also, this charge and one of the attempted charges appear to be for gift cards, which I believe is a common thing that is purchased in credit card thefts. 

Finally, I received a message from Bank of America telling me that I will be charged for the {$250.00} and that Bank of America has contacted all the major credit reporting companies about the issue ( see BoA 6 ). I have no idea if this is standard when one appeals a decision that Bank of America makes. I am concerned that it could negatively affect my credit rating. ( Note {$500.00} is still in the upper right corner. )
Product: Credit reporting, credit repair services, or other personal consumer reports

i recently disputed this account because their are so many errors reporitng on this account. i have pointed out numerous times what is wrong with it such as the credit limit and so much more. I am seriously trying to purchase a home and because of their mistakes i have been wrongfully denied. please help me fix this issue. 

THEY HAVE ALSO REPLACED A COLLECTION THAT WAS REMOVED FROM MY CREDIT PROFILE WITHOUT NOTIFYING ME FIRST, i have read in many books that this is against the law. The account in concern is " XXXX XXXX *Orginal Creditor XXXX XXXX
Product: Credit reporting or other personal consumer reports

Please remove fraudulent accounts and hard inquiries off my credit profile from XXXX, XXXX and TransUnion Immediately! 

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

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the item which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

XXXX XXXX XXXX XXXX Late Date XX/XX/22