23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

RE-REFERENCING ON BOA COMPLAINT ID XXXX SUBMITTED ON XX/XX/2020 PRODUCT Checking or savings account ISSUE Problem with fraud alerts or security # XX/XX/2020 My parents has receiving of much paper abundance from boa and they do seem to catch scan about two pages of such informations, so where here now I am really seeing of dispointfulness from XXXX XXXX. I don't see any real care about things but just round about says that somewhat provide whatever cover goes on here. It is contrar per says yet on these two XXXX XXXX dollar fees, these impart on hotel payments under usa currency and atm machine dispensements fee nothing per against those says round about says per say so-so it is erroring somehow here! The hotel should get paid by way of my debitcard and why instigate as if I am forced to atm all that money up at slight risks as to be out from these now questionable fees! 
The realestate quote of all true enough to reviewfully quote if you will, never gets answered. How unbelievable against whats needed about a bought highshelter of life! 
On the safepass online upgrade, no one had ever made such completion unto functionality, but at a time ago that representative did abstract corrective ways while we both go under some heightize-digitalize-synchronize hyper*connect. At that time, my account was bumped up about it but just not all the confirming a bit more. 
The XXXX dollar extra fee was to get reversed by XXXX XXXX but she never did a thing about it, it was v a r not to exist done via such internet purchasing. 
I have very critical airline matters and here two disputes to process. One of these matters was started but I asked to revert on this action, until and because of employee unbelievable irate unbelievable doings. 
- MORE - The bank of america has left my back account here to be quite convoluted by way of XXXX XXXX. A XXXX  case like heck and a dispute under processes of boa like heck in a way. A single international simple shipment delivery got into wacked out data and nondisclosure ignorances and then error admits unto more ignorances! MONTHS OF BOA RESEARCH TIME STATI ONLINE, CLOSES ABSTRACTLY POSITIVE, YET BOA DOES CARE ABOUT MY BOA ACCOUNT GETTING CORRECTED, IT STAYS STANDING IN FRAUD BY XXXX XXXX  HERE NONE THE LESS VIA XXXX XXXX, UNBELIEVABLE! 
XXXX XXXX
Product: Credit card or prepaid card

I opened a credit card on XXXX XX/XX/2023 when I was at the XXXX XXXX store. They ended my billing cycle on XXXX XX/XX/2023 and apparently sent me a statement with a due date of XXXX XX/XX/2023. I had signed up for electronic statements but did not receive any. Since I was not aware that the due date would come up so quickly and I didn't get an electronic statement even though I had signed up for it, I didn't make the payment on XXXX XXXX and I was levied a fine. I called up the credit card and they said that the billing cycle end date is assigned " randomly ''. But I am not sure this is true. Why would the billing cycle end the next day after I open the credit card? I believe this is done by the bank to collect late fees. Additionally, I didn't receive any statements either. 
For me to make my first purchase using a provisional credit card on XXXX XXXX and for the bank to create a due date on that purchase based on a billing cycle that ends the next day is causing undue hardship. I don't believe I even received my permanent credit card to replace my provisional paper card by the date the payment was due. 
I would request the government to look into billing practices of Synchrony Bank to see if they assign billing cycle end dates for all customers the date after they open a store credit card so that the due payment comes up quickly and they can charge a late fee. 
Regards XXXX
Product: Credit reporting 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. XXXX XXXX XXXX XXXX XXXX {$1100.00} ) ( XXXX XXXX XXXX  {$500.00} ) ( XXXX XXXX {$690.00} )
Product: Debt collection

XX/XX/18 ( XXXX PST ) - An unknown caller contacts me requesting to schedule a time to drop off legal/court documents. The caller would not provide his name, would not provide who he was representing. The caller provided a phone number ( XXXX ) XXXX. 

XX/XX/18 ( XXXX PST ) - I contacted the number provided by the " server '', XXXX XXXX speaking very quickly indicated that I was being served court paperwork on a past debt. He informed me that he was not able to elaborate until he was able to speak to his legal team, at which point I was placed on a brief hold. 

XXXX returned continued to resist identifying what the debt was in reference to and placed me on another brief hold and returned again. At which time he accused me of check fraud, at which time I asked him to clarify. This was quickly recanted. He indicated that I was going to be served with legal paperwork and that I was going to be sued. An additional request for information was prompted by me, he began to speak loudly and talk over me then hung up.
Product: Checking or savings account

I am deeply troubled by WellsFargos unannounced reversal of previously approved accounts qualified for waving fees but then, aft er two months, WellsFargo silently disavowed the previously qualified accounts and applied service fees Did the WellsFargo Banker and her manager violate  an internal business rule setting up the PMA account in  XXXX  at the outset?      Does WellsFargo promote a culture of allowing banking officers to waive fees manually or improperly represent fees to be waived, knowing that WellsFargo quarte rly audits would re-apply those fees silently?     Is  WellsFargo employing a workforce of under-trained bankers with the strategic idea that they are unencumbered to sell products and that customers like me have to discover and take action on WellsFargos sile nt reversals?
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XXXX XXXX ; but I never received a response from them. These items must be investigated and deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved 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
Product: Debt collection

Data breach resulted in identity theft DUE TO A DATA BREACH OF MY INFORMATION ON THE BLACK WEB Section 15 USC 1681e ( b ) of the Fair Credit Reporting Act ( FCRA ) requires consumer reporting agencies ( CRAs ) to follow reasonable procedures to ensure the accuracy of consumer reports. Reporting each when the account is charged off. You are inaccurately reporting information on my credit report. ACCT NAME : XXXX XXXX XXXX, ACCT # XXXX. You have 15 days to removed it or you will be sued. 

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1692c ( c ) ACCT NAME : XXXX XXXX XXXX, ACCT # XXXX. This account has violated my rights. Section 1692c ( c ) states that a debt collector must stop contacting the consumer if the consumer askes them in writing to cease all contact. If a consumer notifies a debt collector that the consumer refuses to pay a debt the debt collector must cease all communication. 

15 USC 1681i ( a ) ( 6 ) ( B ) ( iii ) require the consumer reporting to show proof. I demand you to show proof of the original contract signed. ACCT NAME : XXXX XXXX XXXX, ACCT # XXXX According to 18 U.S.C. 1028A This statute is about aggravated identity theft. It states that anyone who knowingly uses, possesses, or transfers another person 's identification without authorization can be sentenced to a minimum of 24 months in prison. You have been provided an identity theft report for ACCT NAME : XXXX XXXX XXXX, ACCT # XXXX. You refuse to remove the account. You are being sued by CFPB for inaccurately reporting on credit report. You have 15 days to remove this account or you will be sued.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to get things off my credit report and it isn't working so I demand these inquiries off : I have tried for so long. I am the consumer and I demand all of these inquires off my report. It is against the law to report on my credit with no consent : 15 U.S.CODE 1681b. 
Experian Business CardXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

NOTICED ACCOUNTS DISPLAYING ON MY CONSUMER REPORT THAT ARE A VIOLATION TO MY RIGHTS AS A FEDERALLY PROTECTED CONSUMER. I DEMAND THESE ACCOUNTS REMOVED FROM MY CREDIT REPORT IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX, I am looking into my credit and I see addresses that are not mine possibly belong to a family member or another person. I was married so my last name has changed from XXXX to XXXX. Please make note or update the correct information. My currently and only address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX. PLEASE DELETE REMOVE THE FOLLOWING ADDRESSES : 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   XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

Santander Bank is claiming a defaulted account of {$6700.00}. I do not believe this account belongs to me. On XX/XX/2020, I emailed Santander Bank requesting a validation of debt. Under Massachusetts state law and Federal regulations, they had 5 days to provide validation on my claim. They failed to reply with any validation, instead requesting I call to discuss instead. Please note, failure to provide validation from a written request is not legal. After receiving that reply, on XX/XX/2020, at XXXX, I called and spoke with a representative. The woman | spoke to informed me they would email me a validation of debt. I requested the validation not only via email, but also hard copy in writing. No validation or any form of communication has been received. On XX/XX/2020, at XXXX, I followed up with another phone call to check on the mailings of the validation. After speaking with multiple employees and being transferred to multiple departments, I was hung up on. Again, this is not legal. On XX/XX/2020, I sent Santander Bank a Consumer Protection MGL Chapter 93A Demand Letter, via certified mail. I was notified that it was received by Santander Bank on XX/XX/2020. By law, they had 30 days to respond : 30 days has passed with no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm demanding that the following closed accounts be removed from my credit report, ( 1 ) XXXX XXXX XXXX   Credit Card, this is an unknown authorized user inwhich I have no knowledge of. 
Also please remove this closed account ( 2 ) XXXX XXXX Credit Card -- closed
Product: Debt collection

The Advantage Group , Inc. Is trying to collect a debt that was settled back in 2012. This Collection company bought a already paid debt and has violated my rights in several ways. They are as follows : I was never given the right to even question let alone settle this debt with the Advantage Group, INC. 
I was never contacted in writing or by telephone about owing this debt with the Advantage Group, INC. they are not the original vendor and were required to contact me directly in regards to this debt. This was never done by their agents after purchasing a false debt. 
I discovered the debt through credit monitoring not because of the advantage groups attempt to collect a debt through proper notification. This alone violated my rights. 
The Advantage Group contacted the credit reporting agency and put the debt on my report as owing. This was a direct violation of my consumer rights also. 
This debt was paid directly to XXXX XXXX for service they rendered to XXXX XXXX at On Call Doctor in the month of XXXX 2012 ( SEE XXXX card receipt ). 
Furthermore ; I had no responsibility to XXXX XXXX XXXX to pay any additional fees when visiting the on call doctor 's office. The Advantage Group, Inc. is also trying to charge an interest fee to a disputed fee of {$170.00} from the original billing from XXXX XXXX. In the months in their response to Consumer protection were the months that I did deal with XXXX XXXX in regards to their erroneous billing. The Dr. office was paid for any and all services at the same time of my visit. 

The collection of any debt needs to notify the accused debtor and that same debtor has the right to dispute it. I was never given that right with The Advantage Group XXXX XXXX. They have never sent me any proof of their attempt via U.S. Mail that I owed the XXXX XXXX debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed unauthorized inquiries on my credit report. Some one else applied in my name. 

According to the FCRA, these UNVERIFIED and UNATHORIZED inquiries must be remove. 


credit bureau name : TRANS UNION INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( they did a hard inquiry twice on this on only delete XXXX ) XXXX
Product: Debt collection

The original lender was XXXX and it was a personal loan. I have paid well $ XXXX back to the original lender. Now that original lender will only direct me to the company they sold the debt too. I understand that the payments were made after charge off but the payment was accepted and posted I have screenshots and bank statements. 

The collection company called me stating I had a payday loan which I told them I do not. I requested them to send mail me proof and they mailed the original loan information for XXXX loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

TD Auto Finance has done a hard inquiry on my without my authorization
Product: Consumer Loan

I have been caught in a financial crisis for several months due to unexpected emergencies last year. NetCredit seemed to be a helpful source until recent financial education and counseling I received. I was also informed that NetCredit is in violation of the Military Lending Act. I have contacted NetCredit twice and have yet to received any return correspondence or assistance. What are my options in resolving this?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried multiple times to dispute my bankruptcy report being remove from XXXX XXXX and Experian due to my case being closed need help removing it off my credit report.i also wrote my circuit court about verifying my record which they reply that they are not able to release info to credit bureau. My XXXX also is in freeze status.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report. XXXX XXXXXXXX XXXX Balance : {$2700.00} ; XXXX XXXX XXXX XXXXalance : {$2800.00}.
Product: Checking or savings account

I discovered XXXX checks from my ESCROW OVERAGE account that I had n't cashed. I have gone to all steps & measures to get these reissued. See 9 pages of documentation. I was never notified the checks were not cashed, nor were the funds turned into the State of IL. XXXX XXXX XXXX XXXX XXXX XXXX were bought by Citibank. I was finally able to track down the mortgage & they found the info & instructed me to send the info so they can reissue the checks. Since then, I have received nothing but a run around of excuses of why they can not reissue the checks. They keep instructing me to contact XXXX XXXX XXXX or XXXX XXXX back which are now dba as Citibank & Citimortgage. I keep telling them you are them, then they tell me either the checks part did n't get transferred to them or I signed off the mortgage & there is nothing they can do. # 1 The checks are from ESCROW OVERAGE. # 2 The  monies were an asset that got transferred somewhere. Generally in a sale all assets & liabilities get bought. # 3 If they have all my other info on my loan & a # was assigned to it & the 1st 2 people I talked to walked me through it & told me what to do, why ca n't I get these reissued as they said would happen. I have contacted my bank ( & gone through all old records with them ) &  government agencies & they all tell me since it is ESCROW OVERAGE money they should be reissued. I am at a standstill with Citibank/Citimortage/Citi group.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete the following information in my file .The items i need deleted are listed in the report .I am a victim of identity theft and did not make these charges .i ask that the items be deleted to correct my credit report .i reported the theft of my identity to the federal trade commission and i also have enclosed copies of the federal trade commissions identity theft affidavit. please delete the items as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit bureaus stated my account was properly investigated, but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, they also violated my right under 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 als
o stated a Consumer Reporting Agency can not furnish a account without my written Instructions.

Also the Credit Bureaus took more than 30 days to complete my Investigation
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, My name is XXXX XXXX. 

I am writing to complain on XXXX for their lack of response and reporting. I have continued to follow every step on removing false accounts that are reporting and they have yet to comply. They have exceeded the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items. 

The following are some of the dates of the letters I have mailed out : XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP OF WHEN XXXX   RECEIVED THE LETTER.