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

Hi, I got out of business due to the lack of responsibility of Bank of America to protect my money and very weak investigation system. 
I was a victim of identity theft in XXXX and XXXX which made a lot of trouble for me, in XXXX in XX/XX/XXXX I have noticed a few unauthorized transactions in my bank account, Immediately I report it to Bank of America and a few days later when I called to follow up, I noticed the agent in the fraud department didn't even report that unauthorized activity. 
Again I report it and in the XX/XX/XXXX, I was able to take provisional credit, representative of Bank of America told me I will receive my new card in 10 days, but I have not received any cards or any sort of letter in my USPS mailbox. Until in XX/XX/XXXX which I noticed my bank account balance dropped from {$1600.00} to - {$900.00}, I called the bank Immediately and asked them what happened and a lady named " XXXX '' who introduced herself as a manager of  whole fraud department told me, we closed this case against you because we didn't have enough evidence. I started to explain that they needed to send me a letter and ask me for more evidence before closing the case and she replied this is the way they wanted to take action for this case and there is no rule. While she was yelling at me she told me you have logged-in in internet bank after that fraud transaction, and I asked was it from my IP address and she again starts to yell at me and told me we will review every case as their wish, while all of the transactions were made online and I didn't know who did that. She was asking me for more evidence and I didn't know what kind of evidence do I have to provide to show I didn't buy a ticket or I didn't authorize a purchase, and even if they need evidence why are they asking me after the investigation is done and not during the investigation. 
So she started to yell at me again and I had to hang up the phone due to her yelling, the whole amount that was taken from my bank account was {$2100.00} and it was out of the country. 
The other account of mine in Bank of America got hacked and someone used XXXX to take {$15000.00} out of my bank account, when I notice that I asked Bank of America to put a hold in my Bank Account and they wasted one week on mine to put a hold in my bank account, because I had to call them a few times a day to reach someone who can put a hold in my bank account, this theft happened on XX/XX/XXXX and from that time, Bank of America is telling me they need 14 days to investigate on this, due to their lack of following up the legal process of disputing, I couldn't have access to the main source of my company and I got out of business in XX/XX/XXXX and when I called them, they told me they need 14 days to investigate on this. 
Also on the same account, it was a check fraud that was {$2000.00} and not authorized with me which got cashed out on XX/XX/XXXX, and Bank of America is refusing to give me any credit for stolen money.
Product: Credit card or prepaid card

I applied for, received, and began using a new XXXX 's credit card. One feature of the card that I found attractive was the ability to check the balance and pay the bill online. I was dismayed to find the website will not allow you to use these features if the account is past due ; this policy is not mentioned on the website and a vague error message gives no indication of what has gone wrong. The credit card user is put in the Catch-22 : they can not pay their bill online until the bill is already paid. This policy makes little business sense to me ( why should any company make it harder for them to get paid? ). It leads me to wonder if the policy is a deliberate attempt to make payments difficult so as to increase consumer late fees.
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. 

Account Name : XXXX XXXX XXXX  : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit 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 XXXXXX/XX/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 card or prepaid card

Hello, TD bank services the XXXX  & XXXX store card. They sent a statement to the wrong billing address after it was supposed to be updated at the store to my new address XXXX XXXX XXXX in XXXX they called to collect, I paid more than the minimum as I was unaware payment was due because they sent the statement to the wrong address. In XXXX they failed to change the address saying there was no change request even though it was on a recorded line that my address needed to be changed. They are charging an additional {$29.00} after sending another statement to the wrong address. It is not my fault that TD failed to send me a statement when I told them they needed to change this in XXXX of 2021
Product: Credit reporting, credit repair services, or other personal consumer reports

Account open in XXXX Went to collections paid it off in full To my understanding it was supposed to come off my report. Never did. tried to get a letter of goodwill. They wont work with me even though I paid it off in full. Theyre reporting it as if the account was opened in XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a federally protected consumer and Equifax has violated me under the provisions of 15 USC 1681. Please review attached documentation.
Product: Credit reporting or other personal consumer reports

THIS COMPANY TAKEN WELL OVER THE INVESTEGATIONS 99 DAYS AND ACCOUNT NAME. [ XXXX XXXX ] Highest balance {$34000.00} Monthly payment {$770.00} Opened XX/XX/2021 ( XXXX yrs, XXXX mos )
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXXXXXX, NC XXXX XXXX XXXX XXXX XXXX : {$1000.00}, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$3400.00}, XXXX ( Original Creditor : XXXX XXXX  XXXX AT XXXX XXXX XXXX XXXX XXXX : {$4100.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$340.00}, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX
Product: Debt collection

Allied Interstate LLC is contacting me in an unprofessional manner. They call me Monday thru Sunday at all hours of the day. Calls come in at all hours of the day and night. It is extremely annoying and upsetting. I had already made payment arrangements with XXXX XXXX Bank, the credit card company. Now, they 're sending me these people to supposedly collect a debt.
Product: Credit reporting or other personal consumer reports

The following accounts are showing on my credit report but do not belong to me : 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. When I reviewed my credit report, I discovered that some of the information was erroneous. Equifax must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( 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 account needs to investigate and correct from erroneous reporting in my file is listed on my credit report : XXXX XXXX XXXXXXXX XXXX Late Date XX/XX/22
Product: Credit reporting or other personal consumer reports

You failed to re-investigated and I am in disagreement with all the inaccuracies report to the credit agencies. You have violated my consumer rights in accordance with the Fair Credit Reporting Act. This XXXX XXXX account charged off as of XXXX 2020 and it is currently reporting as charged off XXXX consecutive months which falsely manipulates the statue of limitations. You failed my previous request to fix this issue. This account shows inaccurate status paid with XXXX, paid with XXXX and derogatory with equifax. 
Again this account is not accurate among the XXXX bureaus, you failed to re-investigate this account properly and you neglect has violated my rights. I demand a deletion of the following account. XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the account listed below has violated my rights. 

1.XXXX - XXXX 2.XXXX XXXX - XXXX 3.XXXX - XXXX 4.XXXXXXXX XXXX  - XXXX 5.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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Trans Union I am writing to dispute a hard inquiry on my credit report that was not authorized by me. I recently checked my credit report and noticed that there was a hard inquiry on [ insert date ] from [ insert company name ] that I did not authorize. 

After investigating the matter, I discovered that this inquiry was the result of fraudulent activity. Someone must have gained access to my personal information and used it to apply for credit without my knowledge or consent. 

As a victim of identity theft and fraud, I request that this unauthorized hard inquiry be removed from my credit report immediately. I did not initiate this inquiry, nor did I give permission for anyone to access my credit information. This inquiry has negatively impacted my credit score and financial reputation, and it is unfair that I should suffer the consequences of someone else 's illegal actions. 

I have already taken steps to protect my personal information and prevent further fraudulent activity, including placing a fraud alert on my credit report and monitoring my accounts closely. I hope that you will take prompt action to investigate this matter and remove the unauthorized hard inquiry from my credit 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I am asking Experian credit company to remove all incorrect information off my credit report. I filed bankruptcy in XXXX XXXX  XXXX and I dont understand why this credit company haven't followed the court order. I have Names and Addresses on my credit report that DO NOT belong to me. I have also sent certified mail asking for the removal of this falsify documents " NAMES AND ADDRESSES off my credit report. I only have ONE NAME ONE ADDRESS AND ONE EMPLOYER. I am having a lot of identity theft on and with my credit report. why is it so hard to have stuff removed off my credit report that I NEVER authorize.
Product: Credit reporting or other personal consumer reports

Incorrect inquiries on my credit report : XXXX ) XXXX XXXX XXXX XXXX XXXX DATE / XX/XX/year> ) XXXX ) XXXX XXXX  ( INQUIRY DATE/ XX/XX/year> ) XXXX ) XXXX XXXX  ( INQUIRY DATE/ XX/XX/year> ) XXXX ) XXXX XXXX ( INQUIRY DATE / XX/XX/year> ) XXXX ) XXXX XXXX  ( INQUIRY DATE/ XX/XX/year> ) XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> ) XXXX ) XXXX OF XXXX ( INQUIRY DATE / XX/XX/year> ) XXXX ) XXXX XXXX XXXX/ XXXX XXXX XXXX DATE / XX/XX/year> ) XXXX ) XXXX XXXX ( INQUIRY XXXX / XX/XX/year> ) XXXX ) XXXX XXXX ( INQUIRY DATE / XX/XX/year> ) XXXX ) XXXX XXXX XXXX ( XXXX XXXX XXXX XX/XX/year> ) XXXX ) XXXX XXXX XXXX XXXX  ( XXXX XXXX XX/XX/year> ) XXXX ) XXXX XXXX, XXXX ( INQUIRY DATE/ XX/XX/year> )
Product: Checking or savings account

I received several emails from Chime today addressed to a " XXXX XXXX '' using my email address indicating that an account had been opened using my email address. I responded indicating that this account opening was fraudulent. I am very concerned that Chime 's systems allowed this to happen and that there was no verification process before my email was associated with a fraudulent account.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several inquires that just hit my credit file and I did not apply for any of these XXXX XXXX XXXX and XXXX XXXX XXXX, XXXX and XXXX XXXX XXXX XXXX, XXXX, XXXX and XXXX I have a XXXX credit card but did n't apply for an additional card these are not mine Please remove these unauthorized inquires ASAP
Product: Checking or savings account

I am an XXXX  XXXX woman who was struggling to live in the cold northeast. It took every effort to make the move to my son in the west coast. I opened a new account with a local credit union and closed my account with TD Bank. Upon closing the account TD Bank informed me they would only give me an account closing statement or final account statement in person. I can no longer travel and should not have to travel to the other side of the country to get a closing statement. I am applying for low-income senior housing and they are requiring that I provide the TD account closing statement. I have talked with TD Bank on the phone several times and they insist I can only get a closing statement in person. My son says this is elder and disabled person abuse along with a volition of me being able to obtain my own data but I am unable to convince TD Bank to mail or email me the final statement. I appreciate any help you can provide in obtaining my final statement.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this letter to you regarding the service that I received from the credit reporting bureau Transunion. Beginning in XX/XX/XXXX, I have been working with Transunion Credit Bureau to dispute items that are posted on my credit report that are being reported in error. These items are drastically affecting my credit score in a negative manner and is causing me to be denied credit opportunities. I have sent four letters by certified mail within the past nine months to Transunion Credit Bureau requesting that any, and all disputable items on my credit report be verified properly per the Fair Credit Reporting Act Section 609 ( a ) ( 1 ). 

Certified letters were delivered to Transunion on : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

According ; to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), the credit reporting bureaus are required by federal law to verify - through the physical verification of the original signed consumer contract on all accounts that are disputed on a consumers credit report. Along with the verification process, I demanded to see Verifiable Proof of ( an original Consumer Contract with my Signature on it ) for the accounts that were being disputed on my file Under the FCRA, disputed accounts must be removed, if the credit bureau is unable to provide a copy of verifiable proof ie. ( Consumer Contract with Signature ), then the disputed account must be removed from the credit report. I have sent Transunion several letters demanding that the accounts be verified per the FCRA. In their response to me ; Transunion has stated that the accounts have been verified and updated. However ; Transunion has yet to inform me on how they verified the disputed accounts and they have not provided me with a copy of the original contract with my signature on it as proof that the disputed account has been accurately verified. 
I have enclosed a list of the disputed accounts that remain on my credit report, as of the last credit report that I received from Transunion dated XX/XX/XXXX Name of Account Account Verification Status per Credit Bureau XXXX XXXX XXXX XXXX XXXX Placed for Collection XXXX XXXXXXXX XXXX XXXX XXXX Paid Collection XXXX XXXX XXXX Unpaid Balance Charge Off XXXX XXXX XXXX   XXXX Acct. Sold to XXXX XXXX XXXX XXXX XXXX XXXX Placed for XXXX XXXX XXXX XXXX XXXX Placed for Collection
Product: Credit card or prepaid card

Bank of America Allegiant MasterCard closed my acct without warning. After I made a large purchase at the grocery store my card was declined. I am not even close to my maximum credit allowed. I called them and they said they send me a letter about my situation and they had not. Today I have received the letter stating that my acct is closed due to my risk profile no longer aligns with the banks risk tolerance. 
It says they can close the account at any time and my reward points will be forfeited. 
I feel this is deceptive and unreasonable because I am not near the maximum credit allowed.
Product: Checking or savings account

Funds were removed from my account at time of purchase from merchants, but the balance in my account fluctuates as they are posted. On XX/XX/XXXX at XXXX I made a deposit into my Chase checking account successfully bringing it out of overdraft. That same day around XXXX I discover that new transactions have been posted, pushing my checking account back into negative and I now have a {$34.00} overdraft fee.When I called Chase and spoke to a manager he told me that the funds could be reversed at a branch if I had a screenshot on my phone of my account being positive at XXXX on XX/XX/XXXX, which I do not have. This was a bank error, I need this overdraft fee removed.
Product: Debt collection

I, the consumer, trying to exercise my rights to validate a debt, and the National Credit Adjusters debt collector is not responding. They are violating my rights.
Product: Checking or savings account

I was accessed a {$3.00} paper statement fee. I am enrolled in online statements. I have requested a {$3.00} refund as a one time courtesy and they have refused.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX  never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I've found some inaccurate entries on my credit report, which are subject to 15 USC 16c-2. This misinformation is harming my creditworthiness.
Product: Credit reporting or other personal consumer reports

After thoroughly reviewing my TransUnion credit report, I was shocked to find multiple errors that should never have been there in the first place. These inaccuracies are more than just minor mistakesthey are actively damaging my financial reputation and creating unnecessary obstacles. I refuse to let misinformation dictate my creditworthiness, and I am demanding an immediate investigation and correction. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that is both accurate and verifiable. If any of these disputed items can not be backed by solid evidence, they must be removed at once. This is not a simple requestit is a legal demand for compliance with federal law. I expect this matter to be resolved promptly. 

XXXX XXXX XXXX XXXX XXXX
Product: Credit card

XXXX died XX/XX/XXXX. Bank sent statement for period ending XX/XX/XXXX ( which was paid in full ) but has sent out no statements, notices or other written communications since sending the XX/XX/XXXX statement. I have documented, to Bank 's satisfaction, my appointment as Personal Representative of XXXX 's estate by XXXX XXXX XXXX XXXX. Bank has not responded to my requests for information about the XXXX 's credit card account, including " ( H ) ow to redeem Reward Points on behalf of the XXXX. '' Rewards Points XXXX was XXXX as of XX/XX/XXXX.