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

I normally don't do this I'm very patient person however I have had it up to here with Bank of America I discovered my XXXX  benefits were being stolen and immediately canceled my card and filed a Bank of America claim. The rep was able to recognize transactions dating back to XX/XX/XXXX from my account, clearly while I was out of state and states I have never been to. They issued a replacement card which was also closed an could not be activated. I could not recieve my XXXX. 

I received a letter dated XX/XX/XXXX that I would be reimbursed the related fees. ( WHICH I HAVE NOT BEEN ... NOT EVEN THE TEMPORARY CREDIT THEY STATED WAS APPLIED ) The amount was {$430.00}. Also wondering will they reimburse the last pandemic payment of {$300.00} I was unable to recieve due to my account being frozen. 
For a total of XXXX. 

I have been calling regularly especially it was close to XXXX and my vehicle had been totaled. I needed my funds. And nothing just the run around an 10 day wait after 10 day wait. An conviently the government ran out. Meaning sorry even if it was fixed I couldn't get any money back because there wasn't any until the new bill passed. And they XXXX  me out of the additional {$300.00} that was allotted. 

Holidays past I keep calling. They said it's XXXX  fault ... call them. XXXX  says BOA fault ... I call them back an forth for weeks. I eventually three way call with XXXX  and BOA so we can stop the back and forth BOA hangs up on XXXX  2x after over 2hr hold. We continued to get bounced around for 4hrs. They transfer myself and the XXXX  rep after we requested not to be transfered an to speak to supervisor back to XXXX an hung up. 

XXXX  sent 3 identity verifications to support who I was for BOA to open my account XX/XX/XXXX. It took them until this week XX/XX/XXXX and my funds are still not available. I need my money. I spoke to rep and supervisor of BOA an there nothing they can do my claim was closed when the account closed. They have to put in a new request an they apologize temporary credit was not sent because claim closed. So once again I get NO date for my funds, I miss out on the additional {$300.00}, an they don't know when I will recieve my funds. But " oh please rest assured we are working on this very quickly we just can't say when ''. 
So now I'm public asking because I'm not the only one Bank of America when do our claim funds arrive???
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent a certified letter to Trans Union containing a signed document and an Affidavit confirming the identity theft on said accounts. I paid {$9.00} to mail this packet to Trans Union. Trans Union # XXXX XXXX XXXX On XX/XX/XXXX I sent a certified letter to XXXX  containing a signed document and an Affidavit confirming the identity theft on said accounts. I paid {$9.00} to mail this packet to XXXX. XXXX # XXXX XXXX XXXX XXXX On XX/XX/XXXX I sent a certified letter to XXXX containing a signed document and an Affidavit confirming the identity theft on said accounts. I paid {$9.00} to mail this packet to XXXX. XXXX  # XXXX XXXX XXXX On XX/XX/XXXX I received confirmation that Trans Union received the certified packet and on XX/XX/XXXX I received confirmation that XXXX and XXXX  received the certified packet that I sent. On XX/XX/XXXX I paid my credit monitoring website, XXXX a fee of {$29.00} to refresh my credit reports with all three credit bureaus. The fraudulent accounts with each respective credit bureau have not been removed and are causing my FICO Scores to report inaccurate.Additionally, this is causing a strain on my health with my XXXX and XXXX   levels. On XX/XX/XXXX I am submitting a request to Consumer Finance Protection Bureau to assist me in this urgent matter and clear this up as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove inaccurate items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any items or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, XXXX & I am including it again., Please see the list of erroneous items that are reporting on my credit report : XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$860.00} ; XXXX XXXXXXXX Balance : {$14000.00} ; XXXX  XXXX XXXX Balance : {$1100.00} ; XXXX XXXX XXXX  XXXX Balance : {$2800.00} ; XXXX  XXXX XXXX Balance : {$1200.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$6700.00} ; XXXX XXXX  XXXX Balance : {$430.00} ; XXXX  XXXX Balance : {$0.00}
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. 

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX Account number : XXXX Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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 t
he 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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Credit reporting

My XXXX loan has been in income based deferment since it became due in XXXX. The status has always been positive till XXXX, when it is showing XXXX late payments. I have contacted XXXX / XXXX with this issue. They stated that their report of the loan shows no late payments. I have all the original documents showing the dates of the deferment, payments due as {$0.00} and statements for the period in question showing amount due {$0.00} which I forwarded to Experian during 3 different disputes, but the report remains unchanged. Experian keeps sending me a report stating that the XXXX items ( XXXX different tranches of the same student loan ) were updated from their processing of my dispute, but it is unable to provide with method of verification or documents showing different information than what I provided directly from XXXX. Experian keeps quoting FCRA, Section 611 ( a ) ( 6 ) and ( 7 ), but they are in direct violation of the act. I demand immediate correction of my report.
Product: Mortgage

My mortgage company, PHH Mortgage Services, XXXX XXXX  XXXX, XXXX XXXX. N.J. XXXX, will not give me a payoff statement or provide me with a payoff amount without me paying a fee. This is just the latest of fees they want from me for any information on my loan account. In the past, for example, I had to pay a fee in order to make a large payment to bring down the debt. 

These fees make it harder for me to make payments. I am asking them to provide me with a payoff statement or amount, but they want to charge me fees. I don't think it is legal, and it certainly is not fair.
Product: Debt collection

We received a notice in the mail from Complete Payment Recovery Services , Inc. of XXXX, AL demanding payment for a returned check # XXXX for {$460.00}. The notice was addressed to " XXXX XXXX. XXXX XXXX. '' We are now receiving frequent recorded massages on our landline phone demanding immediate payment. That is not the name of our company. We are a husband and wife marketing firm with no employees and do not issue payroll checks. Nor do we show in our records any check numbered XXXX for {$460.00}. We called the number provided on the notice ( XXXX XXXX XXXX ) after talking by phone with a representative at the Consumer Finance office. The person we were finally able to get ahold of at Complete Payment Recovery Services , Inc. was very rude and kept trying to get more information from us, saying she needed more information about our company in order to answer any question we had. We did n't give her the information she was requesting. ( Example : full names, name of company, etc. ). We explained we were going to file a complaint with Consumer Finance and hung up.
Product: Credit card or prepaid card

I literally have no knowledge of this card. I never received anything in the mail. I never applied for it. They reported that I made two payments and then stopped but how can I make payments on something I never knew I had? It says I opened the account back in XXXX. I was applying for mortgages around that time and some of the companies ran my information outside of the ten day window so I really didnt notice the inquiry until the harassing phone calls started and now my credit being hit.
Product: Debt collection

An item appeared on my credit report placed by National Credit Systems, a collection agency. I requested that the inaccurate information be removed from my credit reports. I requested proof of the debt and asked that they validate the debt. National Credit Systems insisted that the debt was my debt. They provided a lease agreement that did not have my signature on it. I misplaced the documents they provided as validation of this debt and had become exhausted and decided to offer and settle the debt so I could get this negative item off my credit records, but have since located it and once again advised NCS that the debt is not mine. Since locating the documentation provided as proof of debt that do not have my signature, I have also contacted the Texas State Attorney General Office, California State Attorney General Office and the Federal Trade Commission. The collection agency is unwilling to remove this negative item from my credit report, nor provide satisfactory proof of a valid debt as mine.
Product: Student loan

NELNET was given a Cease and Desist letter via mail dated back XX/XX/year>. 
Debt validation was not sufficient and is being used to attempt collecting on said debt. 

US Department of education is also on said notices received and I am not liable to repay any notices sent to me. Cease and desist is not being followed though and needs to be enforced immediately. 

Follow the State and Federal laws and also adhere to my Cease and desist. 
Reporting on consumer report and sending notices is a form of communication, please retrieve from records and remove me from any notices ASAP!
Product: Debt collection

I rented a property from  XXXX   XXXX  in  XXXX   XXXX . I left in  XXXX   XXXX  and paid the required early termination about to leave. I received a bill in  XXXX  for an addition {$240.00} for cleaning. I paid a professional service to clean the property prior to moving out so I wanted to dispute the amount. I called the number on the invoice several times and received no response. I finally looked at the website for managers email and send an email. They responded withi n 24 hou rs. I was advised to go onto a link that they sent me and record my dispute, which I did. I never heard back until today when I received a call from a collections ag ency National Credit Systems  that my bill went up to {$600.00} due to electric bills not paid from  XXXX  and  XXXX  of  XXXX . I advised the agent I moved out of the home  XXXX   XXXX  and my bills are paid current. I ended up paying the bill because they threated to put it on my credit report and I cant afford to jeopardize  my credit score.  They said because I had questions about the bill they would mark it as disputed and report it to my credit anyway. I asked to speak to a supervisor and they said none were available. I felt like I had no choice and paid the full balance that included an extra for an electric bill from  XXXX  that I have no idea about. They also called my HR department at my job. I have never ignored a call from my property management company and all my number are valid and working.  XXXX  has  XXXX  numbers to reach  me ( pers onal cell, work cell and work desk phone ). The collections agency said they had no other number so they called the HR department at my job to give me message. That is ridiculous and wrong. I am completely disappointed with the treatment of both companies (  XXXX  and  National Credit Systems ). I paid every bill with th em on time and most of the time early. I should not have been treated this way. Now I am out {$600.00} because I was bullied by the agent telling me she would report it to my credit today if I did not pay. The agent I spoke to said that it was going to be in my credit report regardless if I paid or not since I was disputing the amount. She then refused to take my money or give me a supervisor. She transferred me to another agent. I asked that agent if I paid today will it still report to my credit, she said it would not, so I paid the amount. I asked her for a supervisor and she said she was  XXXX . I told her that the agent before her said she was another agent, I repeated my question are you a supervisor she said yes I am an ac count manager. I asked for a manager again. She  they do n't have managers, I said so you do n't have a boss and there are no supervisor??? She said, ohh yes we have those, but they are not available.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed multiple accounts and inquiries on my report that I do not recognize
Product: Mortgage

Have faxed more than 10 times see proof, tried to get mail from bayview, never get mail! WHY? sent complaint already for that have power of attorney! No one calls no one send mail of proof received of modification how do i know if i dont call weekly!
Product: Credit card or prepaid card

I prepaid for a rental car through the capital one venture card travel portal on XX/XX/22 for {$240.00} and the statement shows my remaining balance will be {$100.00} upon arrival. However, I was doubled charged for the amount in addition to a deposit that I wasnt informed about, plus the remaining fees. I reached out to Capital One to inform them about the payment issue and informed XXXX and XXXX at Capitol One that XXXX does not show payment that my credit card was authorized for which I have written documentation and a snapshot that it was prepaid with Capital One. Due to this issue, it ruined my vacation experience due to the bait and switch tactics, not getting this issue resolved in a timely manner and paying more than what I agreed to pay prior to renting vehicle and now not being able to get the points incentive for booking through Capital One Travel.
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 confidentially under 15 USC 1681. Act Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I, 15 USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years. 15 USC 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 reasonable cause to believe that the information is inaccurate.I, 15 USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years. 15 USC 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 reasonable cause to believe that the information is inaccurate. In accordance with the Fair Credit Reporting Act, Section 623 ( a ) states that a person, including a financial institution, may, but need not, specify an address for receipt of notices from consumers concerning inaccurate information. If the person specifies such an address, then it may not furnish information relating to a consumer to any consumer reporting agency, if ( a ) the consumer notified the person, at the specified address, that the information is inaccurate, and ( b ) the information is inaccurate. If the person does not specify an address, then it may 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

My complaint is against CHASE BANK and all 3 credit bureaus ( XXXX, XXXX, XXXX ) .I am writing to inform you that I am a victim of identity theft. My personal information was compromised and as a result fraudulent Charges were included on my account. I want to state it crystal clear here that I did not benefit with anything whatsoever from this fraudulent charges included on my report. Please note that I took this Chase business card under a company I worked for called XXXX XXXX. But alas later at the mid-XX/XX/XXXX, the card started incurring fraud charges. The company business was to pay up the chase account in regards to the receipt I give them. The information of the account ins the following : CHASE CARD ACC # XXXX, Date Opened XX/XX/XXXX, Balance {$0.00} I also tried to dispute this incident with all 3 credit bureaus ( XXXX    , XXXX , XXXX ) and nobody even investigated the account as the law demands and should have also BLOCK the account as the FCRA requires and that is a violation to the California reporting act. Im also attaching letters sent to credit bureaus with a Federal Trade Commission report filed on XX/XX/XXXX that they received. 


Im attaching letters I sent to creditor in this case Chase Bank and Im also attaching them a copy of an unfiled SC-100 that I will file in the case that Chase Bank dont remove fradulent account from my reports.
Product: Payday loan, title loan, or personal loan

OnXX/XX/2019 I called the two companies that owned by Security Finance Companies and the companies are Continental Credit and Security Finance and both are located in XXXX, OK. I called Security Finance to make my monthly payment of {$130.00} and this company refused to take my payment. I then called the sister company of XXXX XXXX to also make my payment of {$95.00} and each of the payments for each of this companies have been paid early or right on the XXXX. of each month up until this month which is XX/XX/2019. I also contacted these companies corporate office in XXXX, SC and they also refuse to help me make payments.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of several fraudulent accounts and inquiries that have appeared on my credit report due to a data breach that compromised my personal information. Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that the following items be removed from my credit report immediately. 
XXXX Accounts XXXX. XXXX XXXXXXXX XXXX XXXX XXXX Account ID : XXXXXXXX XXXX Date Opened : XX/XX/XXXX XXXX Amount : {$0.00} XXXX. XXXX XXXX XXXX  XXXX XXXX Account ID : XXXX XXXX Date Opened : XX/XX/XXXX XXXX Amount : {$0.00} XXXX. XXXX XXXX XXXX XXXX XXXX Account ID : XXXXXXXX XXXX Date Opened : XX/XX/XXXX XXXX  Amount : {$6200.00} XXXX. XXXX XXXX XXXX Account ID : XXXX XXXX  Date Opened : XX/XX/XXXXXXXX XXXX Amount : {$410.00} XXXX. XXXX XXXX XXXX XXXX Account ID : XXXX XXXX  Date Opened : XX/XX/XXXX XXXX Amount : {$2500.00} XXXX. XXXX XXXX XXXX XXXX Account ID : XXXXXXXX XXXX Date Opened : XX/XX/XXXX XXXX  Amount : {$3300.00} XXXX. XXXX XXXX XXXX XXXX Account ID : XXXX o Date Opened : XX/XX/XXXX XXXX Amount : {$31000.00} XXXXXXXX XXXX XXXX XXXX  Account ID : XXXX XXXX Date Opened : XX/XX/XXXXXXXX XXXX Amount : {$520.00} XXXXXXXX XXXX XXXX XXXX Account ID : XXXXXXXX XXXX Date Opened : XX/XX/XXXXXXXX XXXX Amount : {$580.00} XXXX. XXXX XXXX XXXX XXXX Account ID : XXXXXXXX XXXX Date Opened : XX/XX/XXXX XXXX  Amount : {$1600.00} XXXXXXXX XXXX XXXX XXXX XXXX Account ID : XXXX XXXX Date Opened : XX/XX/XXXX XXXX Amount : {$890.00} Fraudulent Inquiries XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

On XXXX XXXX I received a copy of my credit report in noticed a ton of collection account accounts for medical bills. I have no knowledge of these accounts. I reached out to the credit bureaus to investigate and provide me evidence that these accounts belong to me. I have not received anything from the original creditors nor the credit bureaus. These accounts are highly effective to my credit report in a negative way. It has charges repeated on my report from the same agency.
Product: Debt collection

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 XXXX  XX/XX/2020 has violated my rights.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. 
XXXX
Product: Credit card

Have called the financial company multiple times regarding the XXXX card wanting to work a payment plan, but will not cooperate and gets nasty on the phone when needing help. My wife had her hours cut at work due to XXXX and still not returned to regular hours and payments are getting way to high to keep up with due to interest rates. Asking for help to close out account and make payment plan to pay off balance. Debt has been on file for over XXXX years, I was able to do this with another bank no problem.