23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Bank of America offered a promotion in Summer XX/XX/XXXX for a 0 % interest credit card until XX/XX/XXXX. 

I needed to buy an appliance that was on sale ( {$3500.00} ) and wanted to buy it with the 0 % interest card. I applied for the card in XX/XX/XXXX and was approved. But the card never came. Three weeks passed and still no card. Finally by XX/XX/XXXX, I was forced to buy the appliance on a different ( non-0 %  interest ) credit card because the sale was ending. When I called Bank of America they told me they would have to mail me another card. At this point though the card was useless because the whole point of getting the card was the 0 % interest promotion. I told the customer service rep to just cancel the whole thing and forget that a card had ever been issued. The customer service rep told me that instead I could transfer the {$3500.00} charge and Bank of America would waive the balance transfer fee. ( Effectively giving me a 0 % interest purchase. ) I agreed. 

Imagine my surprised when the month end statement comes and I see that I was charged a {$150.00} balance transfer fee! 

I immediately called Bank of America and told them of the mistake. It took me two calls to resolve the issue and finally two months later on XX/XX/XXXX, I saw the {$150.00} balance transfer fee returned. 

Everything went fine for a couple months. I made payments on time and had no more issues. But this would not be my last run in with Bank of America customer service. 

In XX/XX/XXXX, I went on a trip out of the country. I paid my credit card bill but because of the time difference I messed up when the last payment period was and missed the payment. Payment window closed on XX/XX/XXXX. I immediately made a payment on XX/XX/XXXX and asked if the late fee ( {$39.00} ) could be reversed. 

The customer service rep told me it could not. 

I called two more times ( XX/XX/XXXX ; XX/XX/XXXX ). Finally, I was told that the reason I could not be refunded the {$39.00} was because I had already been refunded {$150.00} from the balance transfer incident. I explained that the balance transfer payment was made in reliance on a claim by Bank of America 's customer service rep and that I was paying for a mistake that Bank of America made! I asked to be redirected to customer retention and to compliance. Neither of those departments made any effort to examine my situation. They only told me that the {$150.00} fee that I was already " credited '' was blocking any " award '' they could give me. I told them this was completely ludicrous since the {$150.00} was charged based on Bank of America 's own mistake! 

I want my {$39.00} back. I wish I had never opened a card with this terrible bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX - Requested PayPal to transfer my {$490.00} balance to my XXXX XXXX XXXX ( XXXX ) Checking Account. 
XX/XX/XXXX - After a week I noticed the funds weren't available in my XXXX account. Usually they arrive after 3-business days. I contact PayPal support online. 
XX/XX/XXXX - PayPal responds that my bank should have posted it by XX/XX/XXXX and asked me to wait for XX/XX/XXXX and if its not available they will initiate a withdrawal trace. I also email my banker at XXXX to have him look into things on their end. 
XX/XX/XXXX - XXXX  ACH Manager confirms they show no signs of this transfer and request that I get an ACH tracer number from PayPal. I email back to PayPal and let them know it hasn't appeared in my checking and ask for the ACH tracer number. 
XX/XX/XXXX - PayPal replies with a 9-digit tracer number to provider to XXXX. I provide this to XXXX  who can not track with the 9-digit number and say that tracing numbers are typically 15-digits long. I call PayPal and after an hour on the phone they tell me the 9-digit number is a case number and the tracking will be emailed to me as it will take them 48-hours to obtain. 
XX/XX/XXXX - I reach out to PayPal again to follow up on the 15-digit number. 
XX/XX/XXXX - PayPal responds and asks for another 72-hours to get the 15-digit tracer number. 
XX/XX/XXXX - PayPal responds that they shows XXXX accepted the ACH transfer that was made but provide no tracer number. I reply again that I'm pending a 15-digit tracer number from them. 
XX/XX/XXXX - PayPal again replies with the same 9-digit tracer number. I call and spend 90-minutes on the phone with them and finally escalate to a Manager who tells me that they had a global system issue from XXXX where several ACH transfers failed and that I must've been affected by this. He tells me that the funds will be in my XXXX XXXX  automatically on XXXX. He offers in the meantime a {$490.00} credit which I could then transfer to my XXXX account in the meantime and I decline because that temporary credit would be withdrawn from my account on XXXX and I didn't trust them to have this fix. I was smart to do this. 
XX/XX/XXXX - Funds still not showing up in my XXXX  account. I spend another 90-minutes on the phone with 4 different people from PayPal ( manager level highest level of customer service reached ). I'm offered an employee ID and told all calls are recorded but no issue or tracking number for this " global issue ''. I'm told that I need to be patient and just wait. I'm told they have no ETA on when this will be fixed or when I'll see the funds but they ask for my patience.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax and XXXX was XXXX XXXX, 2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of Identity Theft. After reviewing my report recently there are names, addresses, accounts, and employers on my report that I do NOT recognize. Please delete them. Thank you. 
Names : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX Addresses : XXXX XXXX XXXX XXXXXXXX XXXX MO XXXX, XXXX XXXX XXXX XXXX XXXX MO XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, MO XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, MO XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MO XXXX, XXXX XXXX XXXX XXXX XXXX, MO XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, MO XXXX, XXXX XXXX XXXX XXXX. XXXX, MO XXXX, XXXX XXXX XXXX XXXX, MO XXXX, XXXX XXXX XXXX XXXX, MO XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXXXXXX XXXX XXXX XXXX XXXXXXXX, MO XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, MO XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. MO XXXX Employers : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Employee
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX Bankruptcy 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

This is the second time I'm requesting to removal all the incorrect information from my credit report. Please find attached Identity theft report included in this file.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts must be deleted from my consumer report. This is a violation of 15 usc 1692b. Which states that a consumer report from any reporting agency can only be furnished in accordance of the written consent of the consumer it relates to. I NEVER GAVE WRITTEN CONSENT AND THAT IS FRAUD. Failure to respond satisfactorily with deletion of the referenced account and also a free copy of my report after the changes have been made will result in actions being taken against your company. 

i'm actually the person sending in my own disputes to the Consumer financial protection bureau, Federal Trade Commision, Attorney general, Experian, XXXX and XXXX
Product: Mortgage

I lost my job and receive unemployment insurance. I am also part of the Keep your home California program. My loan care the mortgage service company told me that I was enrolled into a new program without my knowledge and as part of this program I would NOT be notified if my mortgage payment was late. I received a credit notification that my credit score went down significantly and when I inquired as to the reason I found out that My loan care placed a 30 day late on my mortgage. I was never once notified about my mortgage being late. My loan care stated that as part of this new program that I was enrolled in ( with out my knowledge ) that i would no longer receive notices if my loan was late. They would only ding your credit and not tell you about it at all. I asked to speak to a manager and still have not received a phone call back. As soon as I found out that my loan was late I promptly paid the payment but cant get them to remove the 30 day late notice from my credit report.
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 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$2100.00} XXXX XXXX XXXX XXXX {$420.00} XXXX XXXX XXXX XXXX XXXX XXXX {$30000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : XXXX. XXXX XXXX - Account # XXXX XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXXXXXX XXXX - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXXXXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : XXXX. XXXX SXXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft )
Product: Credit reporting, credit repair services, or other personal consumer reports

FRCA Violation credit card XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX FRCA XXXX XXXX PORTFOLIO RECOV ASSOC XXXXXXXX creditor : XXXX XXXX XXXX 
{$850.00} Balance updated XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX  XXXX {$390.00} Balance updated XXXX XXXX, XXXX XXXXXXXX XXXX Original creditor : XXXXXXXX XXXX {$540.00} Balance updated XXXX XXXX, XXXX XXXX XXXX Original creditor : XXXX XXXX XXXXK {$420.00} Balance updated XXXX XXXXXXXX XXXX PORTFOLIO RECOV ASSOC Original creditor : XXXXXXXX XXXX {$380.00} Balance updated XXXX XXXX, XXXX XXXX XXXX  Original creditor : XXXX XXXX. 
{$1000.00} Balance updated XXXX XXXX, XXXX XXXX XXXX  Original creditor : XXXXXXXX XXXX  {$3100.00} Balance updated XXXX XXXX, XXXX XXXXXXXX XXXX  Original creditor : XXXXXXXX XXXX {$2400.00} Balance updated XXXX XXXX, XXXX XXXX XXXX  Original creditor : XXXXXXXX XXXX  {$700.00} Balance updated XXXX XXXX, 2022 FRCA Violation names and address XXXXXXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX CT XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Approximately XX/XX/2020 I reported attempted fraud to XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX. On XX/XX/2020 I froze my credit reporting with Equifax, XXXX XXXX XXXX XXXX to prevent any future attempts. 
I started receiving credit denial letters from XXXX ( 2 ), XXXX XXXX, XXXX XXXX ( 2 ) that I did NOT apply. One of my concerns is the negative report status shown on credit reports that would hinder my ability to be granted credit if I need. I am sending this letter to all three credit reporting agencies and FTC.GOV.

It would be appreciated that all receiving this letter would take the appropriate action in protecting and my credit status.

I CAN NOT GET COPIES OF MY CREDIT REPORTS. IT IS IMPOSSIBLE TO TALK TO ANY OF THE 3 REPORTING  AGENCIES. MUST BE DONE BY fax AND I HAVE NO FAX MACHINE AND ups store WILL CHARGE {$18.00} PER AGENCY x 3 EQUILS {$55.00}!!
Product: Credit reporting or other personal consumer reports

i filed a dispute and provided proof I opt out of XXXX XXXX, as well as Bankruptcy, does not report to the credit reports the accuracy of this reporting goes against FCRA as well as misuse of my personal information the company refuses to provide documentation to support this bankruptcy are indeed valid no written proof was provided. please refer to 1501 U.S. Code 1681 ( c ) 2, 1501 U.S. Code 1681 ( a ) 4 XXXX  XXXX XX/XX/20 ref number XXXX. XXXX  XXXX XX/XX/20 ref number XXXX.
Product: Credit reporting or other personal consumer reports

I have multiple reports of trying to reach out to these companies and try to settle and/ or have these removed. Creditor : XXXX XXXX  sent me to a third party XXXX XXXX and they are trying to get {$380.00} from me but they were already paid and removed from my report by a debt condsolidation company. All of these have been disputed with the debt consolidation company and they were resolved yet they have not been removed off of my credit report. I am asking to have these collections removed. Midland credit, XXXX bXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX midland credit XXXX XXXX XXXX  )XXXX XXXX XXXX, midland ( XXXX XXXX XXXX 

These are all listed on my credit report as paid but charged off. This is wrong as an account can not be listed as charged-off and paid on my credit report the remark is incorrect and I would like to have it removed. I have been sending them letters since XX/XX/2023 with the latest letters being sent on XX/XX/2023 and have given them all enough time to get these removed without having to get you involved but it is not working and I need help.
Product: Credit reporting or other personal consumer reports

This issue is deeply concerning to me, as it is affecting my ability to XXXX. Considering my consistent history of timely payments, I urgently request an immediate update to my account to alleviate the distress it is causing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable! 


Please remove this right away.
Product: Checking or savings account

I recently set up a new savings account. I interlineated the account agreement with XXXX percent interest. Citizens accepted the change and set up the account. Now they don't want to pay the interest agreed to.
Product: Debt collection

Someone by the name of " XXXX XXXX '' contacted myself, and my sister in law, demanding I contact the mediation department immediately. I called the number given and they stated I owe a balance for XXXX, which has since been paid off, closed and archived. I called XXXX to verify my account was no longer open, and the debt was paid off. XXXX stated my account has been archived and paid off. I continue to receive calls and my family members are receiving texts and calls looking for me. They are harassing my family and I, inviting they will " take further action if the debt is not paid etc ''. The phone number that contacted my sister in law is XXXX.
Product: Credit reporting or other personal consumer reports

After looking at the my credit report, I noticed a company by the name of Credence Resource mangement stating that i owe them in the amount of {$230.00} I know this is not accurate because I have never had a account with this company. The listed date for the account is XX/XX/year> Please remove this from my XXXX and experian credit report.
Product: Checking or savings account

On or about XX/XX/2022 my MoneyLion checking account was charged about {$170.00} via my debit card linked to this account from a company called XXXX. I contacted MoneyLion and XXXX to advise them I did not initiate these charges indicating I was filing a transaction dispute of these 5 charges adding up to {$170.00} and was requesting the charges be reversed and credited back to my account. Both companies denied there was any kind of error with the charges after I clearly stated I nor anyone I knew had made these transactions and they refused multiple times to reverse the charges and credit my account. XXXX is a ride/delivery merchant, similar to XXXX, that operates on 4 continents, non of which includes the United States . Myself or anyone I know has been in any of the countries served during the times of any of these charges being made. The transactions in question are fraudulent and should be reversed to my MoneyLion account!
Product: Debt collection

EXETER FIN has two charge off accounts listed on my credit reports. One charge off in the amount of {$15000.00} stated Date opened XX/XX/XXXX. The other charge off in the amount of {$7600.00} stated Date opened XX/XX/XXXX. I sent the company two Validation Letters XX/XX/XXXX, but I never received any response. I sent one to XXXX. XXXX   XXXX, XXXX, TX XXXX and the other to XXXX XXXX XXXX, XXXX XXXX, MN XXXX. I was given no evidence of my obligation to pay this dept that is not mine. The Fair Credit Reporting Act requires the collection agency to verify the validity within 30 days. 
EXETER FIN has not followed the laws of the FCRA when they did not respond to my Validation letters sent in XX/XX/XXXX. If the validity can not be verified, they are obligated by Law to remove the debt from my credit file.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, is reporting to the three ( 3 ) credit bureaus a late monthly payment on a consumer loan that was related to a title loan on a XXXX XXXX XXXXXXXX XXXX XXXX XXXX. XXXX is in violation of 15 U.S. Code 1637 of the Truth-in-Lending Act requires that creditors provide notice of late payment consequences for open-end consumer credit plans : Late payment notice If a late payment could increase the annual percentage rate ( APR ), the creditor must include a conspicuous notice of this fact and the applicable penalty APR on the account statement. 
Payment date The date a payment is made at a branch or office of the creditor is considered the payment date for the purpose of determining late fees. 
Payment delivery Creditors must ensure that periodic statements are delivered to consumers at least 21 days before the payment due date. 
As the purpose of Title 15 USC is to protect consumers from unfair credit practices and billing, and to strengthen competition among financial institutions. 

The item in question is being reported by XXXX XXXX to all XXXX credit bureaus and having a detrimental impact on my overall credit report and score.
Product: Credit reporting or other personal consumer reports

I am not liable for any debts with these corporations XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX, and XXXX XXXX XXXX I have sent in several notice of trespass and notice of intent certified and registered mail. To these companies and have reported them to the XXXX with no resolve. They are in violation of XXXX 42 USC 408 and 15 USC 1681 I have the right to privacy and I do not have any contracts with these corporations in wet ink signature.
Product: Credit card or prepaid card

I opened a Bon ton credit card and made a purchase in XXXX 2016. I did not receive a bill to the items I purchased. I got a call in XXXX 2016 and paid for the items. I settled the account and advised I would no longer be using the card. I continued to receive Robo calls 10+ a  week. Again, contacted Bon-Ton who referred me to Comenity bank. I have gotten no where with them. They continued to add late fees on top of late fees totaling {$210.00} even though the complete balance of {$72.00} as paid in full for the items I purchased. They are threatening and harassing. They continue to call me even after I have told them to stop on many occasions.
Product: Debt collection

This company has continued to violate my consumer rights but reporting inaccurate information to the credit bureaus. I have asked the to show me real proof of a written agreement that I signed or made any agreement too. This company has tried to harass me thru email stating I owe a debt that is not mine. This company still has not show me actul real proof i owe a debt which they bought from XXXX security company which had gotten sued for violating consumers rights.XXXX has closed and opend this account more than 4 times to try and make it seem like tgis debt is new which is another violation.I have proof down below in the description to show.
Product: Credit reporting or other personal consumer reports

Good Morning I was Trying to Open An USAA account but can not because it say prior unacceptable account usage and if im not mistaking it years ago where I experienced identity theft I was young and a mother and I clicked on add. But i learned from it. I have been doing good but now its becoming a pest