23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I had bill pay set up to pay my HELOC payment ; however, had to change bank accounts due to a compromise. I went on BOA site to pay but only get option to ebill. So I attempt to set up ebill and it was the worst experience I ever seen. It is asking me to add the BOA mailing address, while I am setting it up on their website. I naturally do n't know that so I look for a statement or address on their site. No luck can not find one at all. I have to then call them and spent 30 minutes on hold and got a hold of an employee who could n't help and was to transfer me to online banking for help. About 5 minutes of holding for them, I received an automated response telling me the call could n't be connected to hang up and try again. I have never in my life seen such tactics to delay and avoid accepting a payment from a consumer such as this. I feel like they are intentionally making this difficult and then not responding to the phone so I can be late and collect fees. Please step in and help. I work in banking and I can not figure this out and their employee could n't either so what does that say for BOA. Sounds like a plan to get money!!! I would like my fees credited back for this tactic on my HELOC, credit cards and Vehicle loan. I think that is the least they can for wasting my time and creating a process that obviously will not work. Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX  Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to 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 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. 

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

I have reached out to the credit bureaus and all the third-party reporting agencies with and disputes. After multiple attempts to have them to do and investigation to remove these incorrect data, accounts, inquiries, bankruptcy etc. I provided all the supporting documents to show for removal. But they refused to do and proper investigation but instead keep saying that they verified the information with the court and creditors. I'm requesting immediate removal. If not by the Law the in violation.
Product: Credit reporting or other personal consumer reports

Since this is my second request, I will also be providing the reasons for disputing the information. I have enclosed it again sending a copy of this letter to the Federal Trade Commission to inform them that I have proof of sending letters to you and that you have not complied with my request. Additionally Under the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), Fair Debt Collection Practices Act ( FDCPA ) I am entitled to dispute inaccurate information on my credit report and expect a thorough investigation of my claims, I have reported this matter to the Consumer Financial Protection Bureau ( CFPB ) and the XXXX XXXX XXXX ( XXXX  ) to seek their assistance in resolving this issue. 

these names have no relation with me at all XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, A please see the below accounts that are fraud XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than 4 business days after the XX/XX/XXXX. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 


This complaint is to notify you if you do not BLOCK OR REMOVE the listed accounts on my report, I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX NY XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$69000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$57000.00}
Product: Credit card or prepaid card

on XX/XX/2020 I seen a " change of address '' email for a Macy 's account I never opened ( submitted a complaint for this as well ) Macy 's has stated that the card being used is not in my name therefore they can not do anything about this being tied to my macys account
Product: Debt collection

On XX/XX/2023 One Main Financial contacted my parents about a debt I owe. They told my parents they need to talk to me about a past due debt I owe them. This is very embarrassing, and if I understand the federal law correvtky, what they have done in discussing my debt to my parents violates Federal Law. They have also not ceased to call me numerous times a day for weeks now concerning this debt.
Product: Credit card or prepaid card

To Whom It May Concern : Thank you for taking the time to read this letter, and I hope your day is going well. Im writing because I noticed that my most recent credit report contains late payments for XX/XX/XXXX-XXXX XXXX, XX/XX/XXXX, & XXXX- XX/XX/XXXX my Capital One account. 

I want you to know that I understand my financial obligations, and if it werent for due to unemployed and many financial hardships, Id have an excellent repayment record. I made a mistake in falling behind, but since then I have created and a strict budget plan and have a better paying job. 

Im planning to apply for auto loan, and its come to my attention that the missed payment on my record could hurt my ability to qualify. I truly believe that it doesnt reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove the late payment listed above. 

Thank you for your consideration, and I hope youll approve my request. 

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

I REQUESTED TO VALIDATE INFORMATION TO THE DEBT COLLECTION AND THE DIDN'T PROVIDE WITHIN THE 30 DAYS AND THEY DONT HAVE THE INFORMATION I REQUESTED. 

THEY SEND ME A LETTER CONFIRMING THIS, SEE IT BELOW
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$11000.00}, {$11000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account. 

2. XXXXXXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

It has come to my attention that my credit with your bureau has been compromised. Upon reviewing my records, I noticed that the items I requested to be removed are still present in my credit report. As per section 605b of the FCRA, you are legally obligated to remove items identified as resulting from erroneous credit report details. The disputed items were unknown to me. Enclosed is the XXXX XXXX XXXX XXXX XXXXXXXX, which I have previously submitted. Please remove these items immediately. If you believe there is any possibility that these items belong to me, I request all documentation bearing my signature. Failure to provide such records and verifying these items will result in legal action. My attorney and I take this matter seriously, and I expect full compliance with the law to resolve this swiftly : Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX. Kindly remove the disputed items, as they were opened without my consent or knowledge, in accordance with Section 605B of the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX # XXXX is reporting an account that I never seen before. I don't know what this is and it looks like an account for child support, in which case it is not mine as I have never paid child support. I don't know why this is on my credit but it is not mine and it needs to be removed.
Product: Debt collection

There is an attempt to collect {$230.00} from a debt collection agency named Portfolio Recovery Associates. They claim this is an account that was opened under my name under a credit line with XXXX XXXX. 

The first time I learned of this debt was through a telephone call from the collection agency sometime in XXXX or XXXX. I told them that I never opened that account. They are collecting from the wrong person. The agent did not care to listen to my complaint or dispute and the phone call ended with no action or guidance from the agent. Prior to this call I did not receive statements or letters from XXXX and had no knowledge of this account. 

My daughter also sent the XXXX emails dated XX/XX/XXXX, and a XXXX one on XX/XX/XXXX on my behalf, again disputing this account, letting them know it's either a fraud OR a possibly an error on their part that this credit line was connected to me.

My daughter advised to review my credit report since it had been many years I checked it. When we did so we did find several addresses and employers on my credit profile to which I never lived or worked at so now we think the XXXX XXXX  card may have been opened fraudulenty. We have since disputed those items with the credit bureaus and successfully removed them. 

We now opened a fraud alert with XXXX and reviewed this account with them.
Product: Credit reporting or other personal consumer reports

Recently i did an investiation on my credit report and found sseveral items on there to be inaccurate. Und

er 15 U.S Code 1681e ( b ) Accuracy of report Whenever a consumerreporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the indivdual about whom the report relates. 15 U.S Code 168i ( 5 ) Treatment of inaccurate or unverifable information ( A ) in general if after any investigation under pargraph ( 1 ) of any information disputed by a consumer, an item of this information is found to
be inaccurate or incomplete or can not be verified, the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation, and ( ii ) promptly notify the furnisher pf that information that the information has been modified or deleted from the file of the consumer
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second attempt to resolve this issue. My name is XXXX XXXX and this complaint is done by me. Experian did do an investigation and responded by saying they did not believe I was responsible for summiting the claim, which is an insult to my intelligence and ability find information given by the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a large delinquent balance that is being addressed during my divorce. It should total around $ XXXX in cc charges. I noticed several months ago XXXX is reporting my delinquent amount as $ XXXX! They are reporting the original account AND the purchased account from the debt collector doubling everything that appears on my report. XXXX is starting to do it as well. Once the account is purchased by the debt collection company it is no longer delinquent with the original creditor and therefore should switch the original account to closed not delinquent. I have reported and requested more than once for this to be corrected. I also requested a refund for some profile fees XXXX charged me that I was not aware of and then could not investigate since they locked down my account and it took me three days and 8 hours of phone work to get a human on the phone. This is ridiculous! 
* XXXX also had me locked out of my account for months with no resolution until I sat on the line for hours on end waiting for an agent to assist me. 
It is unbelievable that these companies are in charge of our lives and yet get away with shady practices, mistakes, stealing- and they aren'y even secure, I should have stacked up a few more years of identity theft protection VIP services because I have been included in so many hackings through the credit bereaus. By the way, if I read the history correctly no one legally appointed these businesses to the throne they anointed themselves the keeper of all the knowledge. In my book, without my permission, they are essentially the biggest identity theft hackers and stalkers in the world, I want my private and confidential information removed!!! I do not trust these crooked corporations! 

And finally, they all show us a number sometimes two when we log into these credit profiles. These numbers are supposed to represent our credit scores. Except, these three almight big brothers can't agree with each other what our scores are, AND ON TOP OF DISPLAYING ALL DIFFERENT RANDOM NUMBERS, when you try and purchase say a car, the loan agent comes back with yet a different number that supposedly is your real credit score, it's always lower than what you have been told, and no one knows why. 

Lastly, Experian 's BOOST PROGRAM is a scam. None of the " boosts '' they found on my account were ever actually applied to my score positively or even showing on my account as far as I can tell. that is flat out fraud and disception.
Product: Bank account or service

I CLOSED MY BANK ACCOUNTS WITH U.S. BANK 2 MONTHS AGO. THEY SENT ME A LETTER STATING THAT THEY CLOSED MY ACCOUNTS. IN THE MEAN TIME, THEY RECEIVED MY SOCIAL SECURITY CHECK AND WILL NOT RETURN IT. I FILED COMPLAINTS WITH THE BANKING INDUSTRY AND THE XXXX. I ALSO ASKED THAT U.S. BANK NO LONGER CONTACT ME. U.S. BANK CONTINUES TO CONTACT ME. THEY SENT ME A BANKING STATEMENT LAST WEEK AND THE FOLLOWING TODAY : View this email as a Web page. View our Security Policies. 
U.S. Bank ( R ) U.S. Bank ( R ) Action : Your primary email address has been changed. 
Date : XX/XX/2015For your protection, U.S. Bank automatically alerts customers when personal information changes on our systems. If you did not initiate the action noted above or need assistance related to this Security Alert, call XXXX XXXX ( XXXX ). Please do not reply to this message. 

To confirm that U.S. Bank delivered this Alert, access the Alerts link within Online Banking, select Security Alerts and view Alert History. 

Online Banking customers can receive other important account activity alerts, like low balances, when payments are due and much more -- all for free. Sign up or learn more today at usbank.com/bankonline. 

Find us on : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) U.S. Bank MobileXXXXBranch XXXX ( XXXX XXXX U.S. Bank Mobile1. You may be charged access fees by your carrier, depending upon your personal plan. Check with your carrier for details on specific fees and charges. 
EMAIL SECURITY INFORMATIONEMAIL SECURITY INFORMATIONEmail intended for : XXXXXXXXXXXX your privacy is our priority. We 'll never initiate a request via email for your sensitive information like your Personal ID, Password, Social Security Number, Personal Identification Number ( PIN ) or Account Number. For your safety, never share this information with anyone, at any time. If you receive an email asking for your sensitive information, or would like to report a suspicious email, forward it to XXXXXXXXXXXX or call U.S. Bank Customer Service immediately at XXXX ( XXXX ). 

Get more details about recognizing online fraud issues. 

Note : If you 'd rather not follow links from this email, you can access information on all U.S. Bank products and services at XXXX. 
To ensure that you continue to receive email from us, please add us to your Address Book ( XXXXXXXXXXXX ). Thank you. 

You are receiving this message as a service to your account because you are enrolled in Online Banking. U.S. Bank automatically alerts customers when personal information changes on our systems. 

View the U.S. Bank Privacy Pledge. 

U.S. Bank XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( C ) XX/XX/2015 U.S. Bank, N
Product: Credit reporting

I had a credit card account with my credit union ( XXXX County XXXX XXXX ) opened in XXXX which they transferred to another lender as of XX/XX/XXXX ( XXXX XXXX - XXXX ) .XXXX XXXX XXXX XXXX is misreporting the date account was opened, date account was closed, payment history and date of original delinquency. Based on original date of delinquency this should be out of the statute of limitations for reporting in my state at the end of XX/XX/XXXX. I have disputed with all XXXX bureaus and repeatedly disputed directly with XXXX XXXX - XXXX XXXX. I provided copies of several months of statements to support my position, copies of correspondence, and copies of FTC opinion letters to get them to correct the entries on Transunion, XXXX, and XXXX. I have received multiple responses claiming my request was frivolous or in error and that they will not correct this matter. I am including the statements, correspondence, and other supporting documentation showing original delinquency XXXX from the original creditor ( statements ).
Product: Vehicle loan or lease

the issue has been going on for over a year now my truck hasn't showed up on my credit report but they call harassing about a payment and hasnt fixed my account but how the reps and even managers has talked too me incorrectly and using unprofessional setting now future the truck has not popped up since I first brought it the last year and half it hasnt been reported too my credit score but the company said oh we might have the wrong numbers which credit score you looking at and then tries too get me to say my ssn so they can finally put it on my credit plus each time i talk too them my account balance always changing they never disclosed anything with me but try and say why cant you afford the truck try too threating me with repo and im never XXXX or even close too it not even 60 days late but i have no information from California Auto Finance they cliamed too have sent things in the mail that never come
Product: Prepaid card

On XX/XX/XXXX at XXXX XXXX  I noticed that there was suspicious activity on my Cash app leaving my balance in the negative. Upon looking at the transactions, I seen a pending transactions for particular merchant journeys for {$74.00} and also a completed transaction of {$74.00} from journeys at XXXX XXXX  XX/XX/XXXX. The pending transaction actually was completed on Saturday on XX/XX/XXXX because it was withdrawn from my balance. Now I contacted Cash App support to immediately dispute this transaction due to the negative on my account and was told that I had to wait XXXX  days or XXXX business days for the hold to come off of my account for this particular merchant so essentially I have been charged twice for thismerchant and cash app was not able to assist on disputing to get my account out of the red. The agent I spoke to was named XXXX.
Product: Credit card or prepaid card

We are in a Hurricane Irma FEMA designated area ( XXXX XXXX XXXX XXXX FL vicinity ). 

We applied for and were granted a deferred minimum payment grace period on our Chase credit card ending in XXXX. 

We have not received any payment deferment as of today XXXX Sunday, XXXX XXXX, XXXX ). When we call Chase Irma Relief at XXXX XXXX XXXX the Chase representative is not able to help us resolve the issue for deferred minimum payment. 

Thanks. 

XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XXXX XXXX, I made a wire transfer from my XXXX account to JPMorgan Bank National Association located at XXXX XXXX XXXX XXXX XXXX XXXX in the amount of {$25000.00} US dollars, to XXXX XXXX. Upon investigating I learned the funds had not been received by XXXX and the latter had been advised their account had been closed for some breach of Chase securities. I had been requesting tracing by XXXX on numerous occasions as to where the funds were and that I want said funds returned as the account had been closed. On XXXX XX/XX/year>, I called Chase Executive Office and spoke to XXXX then XXXX, who in turn connected me XXXX and was assigned an case number, XXXX. I was advised because of Chase privacy restrictions they could not discuss with me nor provide any information and to contact XXXX Wire Department, where I was advised it could take up to 7 weeks for such a trace to be completed. In the interim, XXXX was being purchased by XXXX XXXX which further complicated the situation. XXXX stated they had issued urgent requests for the return of the funds but it all fell on deaf ears. XXXX XXXX the transferring bank confirmed that the funds had been received by Chase on the same day. XXXX recommended contacting XXXX which was done. Their conclusion is outlined in the fair solution of the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an authorized user account being reported on my credit report that is not accurate. I am not an authorized user on the following account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ; Balance Due {$350.00}.