23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax did not take necessary security precautions resulting in my personal data being stolen, including my name, address, SSN and driver 's license number. They did not contact me, I had to learn about it in the news. According to reports, Equifax was aware of the stolen data for a month before making an announcement. Their offer to mitigate by monitoring my credit file falls way short of the problems they have created for me. In return for credit monitoring, they require me to give up my legal right to sue them for the damage they have done with their actions and inaction.
Product: Credit card

Our Bank of America ( BofA ) Visa experienced some $ XXXX in unauthorized charges. Reported these to BofA and removed the charges, and sent us a letter dated XX/XX/2016m that " the fraud investigation '' " had been completed and closed, '' but some XXXX months after the original charges the charge reappeared. BofA discovered that fraudulent charges led to some address over XXXX miles away from me that is not mine. I FAXed to BofA Fraud Claims " Reconsideration '' department today a detailed packet outlining how the evidence proves in fact that the charges were unauthorized - for example that XXXX XXXX XXXX has shut down the fraudulent telephone number opened in my name, that the address XXXX miles away from me was a fraud address I have never lived at and has been removed from my credit profiles and a fraud alert placed on them. BofA never verified or confirmed any of these charges with us - the first we heard of them is when they appeared on our statement a month after being made. The law 15 U.S.C. 1643 ( b ) states that the burden of proof is on the card issuer to prove that the charges were authorized - I do not have to prove that the charges were unauthorized. In any case, this is an unfortunate situation and I feel bad for the merchants but someone has opened a fraud telephone account for me at a fraud address I do not live at, and submitted a fraud order to try to use my credit card for shipment of goods to a fraud address. This is more than credit card misuse this is account takeover. BofA must remove all these charges because I will not pay for unauthorized charges, never. 

Bank of America should remove the unauthorized charges from my Visa. I will not pay for any of them they are unauthorized and the burden of proof is on BofA to prove that they were authorized, which it has not done and they were not authorized.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act everything has to be 100 % accurate on my credit report. The listed accounts below violated my federally protected consumer rights .The Credit bureaus have stated a proper investigation was performed but I find this to not be accurate or possible, the open dates are inaccurate, the dates last active are inaccurate, and dates last reported are not accurate, these are grounds for removal. On XXXX i sent a letter regarding the inaccurate and unknown things on my credit report. To this day over 30 days later I have not received any response. I feel like I've been taken advantage of and also being ignored. Section 611 ( a ), it's plainly stated that a failure to investigate these items within 30 days gives reasons to immediately remove these items from my credit report. It has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress caused in this process. 

The credit Bureaus also violated 15 usc 1681 section 623 ( 9 ) ( b ) ( 2 ) The credit bureaus are supposed to complete all investigations before the expiration of the period under section 611 ( a ) ( 1 ).

The credit Bureaus also violated my rights under 15 U.S.C 1681 section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions. I haven't given these accounts written permission to furnish these accounts on my credit report In accordance with the fair debt collection practices Act. Debt collectors are not allowed to communicate with me under the 15 usc 1692C 1- ( XXXX XXXX XXXX XXXX XXXX XXXX ) Has violated my rights XXXX ( XXXX XXXX/ACCOUNT XXXX XXXX  ) Has violated my rights XXXX ( XXXX XXXX/ACCOUNT # XXXX ) Has violated my rights XXXX ( XXXXXXXX XXXX XXXX/ACCOUNT # XXXX ) Has violated my rights XXXX ( XXXX XXXX XXXXACCOUNT # XXXX ) Has violated my rights XXXX ( XXXX XXXX  XXXX XXXX XXXX ) Has violated my rights XXXX ( XXXX XXXX/ACCOUNT # XXXX ) Has violated my rights
Product: Debt collection

I decided not to argue about the debt as it was {$110.00}. The issue is she wrote down all XXXX digits of the credit card which is a violation of the XXXX rules and regulations and I am filing a complaint with them. She also wrote down the security code. It is a violation of Federal Law to write down the XXXX digit security code. She refused to provide me with a copy of that form. She admitted that they do this every day. 

This business needs to have a surprise visit so they can not hide the violation. Business name and address : Alpine Credit Inc. 
XXXX CO XXXXXXXX advise how this illegal practice can be stopped and the business fined?
Product: Debt collection

Hello, I purchased a vehicle warranty and XX/XX/XXXX insurance through Toyota Financial Services back in XX/XX/XXXX. In XX/XX/XXXX, I chose to refinance my vehicle through my personal credit union. Toyota Financial Services cancelled my products and began the process of reimbursing me for theXX/XX/XXXXand warranty via check that was sent to my home address. They told me I would be getting multiple checks. I received the checks around XX/XX/XXXX. 

At the end of XX/XX/XXXX into XX/XX/XXXX, I started receiving calls from Toyota Financial Services. I answered the call and a representative notified me that Toyota Financial Services mistakenly sent me a duplicate check for the amount of {$550.00}. I unknowingly cashed the check in XXXX when I received the payment. 

Toyota Financial is now threatening to send me to collections and is telling me that I need to repay them back the {$550.00} that they credited me in error. 

What can I do about this? How is this my fault when they credited me and sent me a check in error on their behalf? I do not have those funds anymore, as the check was cashed back in XXXX when I received the check. I am having financial trouble right now and do not have {$550.00}. 

I also have a letter from them that states they made the error.
Product: Debt collection

Collection agency refused to send me paid in full letter after stating they will do so. After disputing balance amount on XXXX credit report they ( the collection company ) denied my dispute in which I stated that I paid my debt in full and have a XXXX balance. They then proceeded to reaffirm the collections account on my credit report with the full amount I already paid.
Product: Debt collection

Puget Sound Collections ( PSC ) is attempting to collect a debt that is invalid and previously paid. I have offered on numerous occasions to settle this alleged debt despite previously believing and now knowing that the balance had been previously paid. PSC has reported this alleged debt to the credit reporting agencies and caused me economic harm. Attached is a letter from them, a letter from the original creditor, a letter I sent them explaining how this has been paid and supporting bank statements. PSC has engaged in a pattern of deceptive behavior when I have attempted to ask them for validation of the debt they have sent me a multitude of conflicting account numbers and inaccurate service dates. I believe that they have not attempted to validate any of the debts as they are legally obligated to do so. Further, they have previously regened on promises to myself to remove this from my credit report, another practice that seems to be happening repeatedly. I believe they are engaging in a pattern of abusive practices as evidenced from complaints at the better business bureau. 

PSC has also previously offered to settle this matter with me for full payment and agreed to remove it from my credit report while on the phone with XXXX. She additionally stated they would send me a letter to the same effect and never did. When I called in subsequent to that they have told me that " its against office policy '' to remove entries from people 's credit reports. This same kind of behavior and worse is easily found on the XXXX for this business. This company is an example of the worst behaviors of debt collection agencies.
Product: Money transfer, virtual currency, or money service

Hello On XXXX XXXX, 2017, I transferred from my account at Coinbase the amount of EUR XXXX to my bank XXXX XXXX ( XXXX : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX, XXXX. To this day, the money has never arrived. I have written to Coinbase support several times and called by phone. They recognized my problem, but do not respond further to my emails or calls. Every time they say the same thing : they would try, but nothing is done. I do not know what else to do. Could you please help me? 

Kind regards XXXX XXXX XXXX XXXX XXXX XXXX Tel. : XXXX Email : XXXX
Product: Credit reporting

On XXXX XXXX, 2015, I requested by phone, my free annual credit repory from all XXXX credit reporting agencies. It was indicated that it would take fifteen ( 15 ) days to receive my reports. As of today I have not received any reports or any correspondece.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX VIOLATES SECURITY FREEZE LAW. LAW DIRECTS EQUIFAX TO SET UP A SECURITY FREEZE. I ASKED EQUIFAX TO SET UP SECURITY FREEZE. BUT EQUIFAX WROTE ME IT REMOVED THE FREEZE. BUT MY ADDRESS WAS WRONG. I NEED IMMEDIATE FREEZE VERIFIED BY A COMPLETE CREDIT REPORT FROM EQUIFAX
Product: Credit reporting, credit repair services, or other personal consumer reports

I`m not sure about exact dates unfortunately but I have tried to contact Equifax many times about this problem. I tried to get a home loan about a year ago, the bank associate printed out my credit report and explained to me that there was an error on my credit report and I couldn't complete the loan without the credit number. 

I then tried to contact Equifax directly and explain the problem, they never once explained to me what was wrong with my credit score and or how to solve it. They would tell me to submit proof of documentation never explaining why they needed it. Then would tell me that it would take about 30 business days to verify it and they would then send me a letter. They sent me a letter that they received it and then that they needed to review the documents. I waited for many weeks in between each interaction and they would just ask for the same documents or and then the other credit reports from XXXX and XXXX and still never explained anything. I`m not sure what to do I'm not sure what is wrong with my credit report and they will tell me nothing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several inquiries on my credit report that are not, and were not made by me, I have been a victim of identity fraud and I have an alert on my report to notify me if someone tries to open an account, and I talked with someone at the department store and company to have removed.but they said because of alert account wasnt open so no problem. But its a problem for me. The inquiries are listed below. 
XXXX XXXX/XXXX/XXXX, XXXX & XXXX. 
XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX & XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX, ( twice ) same day.
And theses inquiries are hurting me.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Account # : XXXX Date Opened : XX/XX/year> XX/XX/year> XX/XX/year> High Credit : XXXX XXXX 15 US Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in violation of this law because I am a victim of identity theft! These accounts should not be furnished on my consumer report as they are in XXXX! Under 15, US Code 1681b - Permissible purposes of consumer reports ( a ) in general subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances, and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I never gave any consumer report an agency WRITTEN CONSENT to report anything on my consumer report, which violates my rights as a federal protected consumer. As a consumer, I am demanding the deletion of the accounts listed immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  has been non-compliant with removing the unverified account XXXX   XXXX which has been deleted by XXXX and XXXX. XXXX  and XXXX have both completed their research and determined that XXXX   XXXX was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Product: Mortgage

I tried to make my mortgage payment online as I 've done for the last several months, but there was no option to make a one time payment. I have no idea why, but that means I have to mail a check so now it 's going to be late. I want to make sure I 'm not charged ANOTHER late fee for something that is n't my fault. Their website just needs to work properly so I could have made my payment on time. This is completely unacceptable!! 

I sent ANOTHER message through the website that is supposed to be responded to in 2 business days. Mine have all been IGNORED in the past so I expect a response to this one from someone with a first and last name and a direct phone number. All the annoying phone calls from people with no name who do n't bother to say why they 're calling is completely unprofessional and needs to stop immediately.
Product: Checking or savings account

On XXXX i submitted an EDIL loan for the SBA in the name of my XXXX XXXX XXXX company XXXX XXXX at the time i was unaware of my company 's status with the state of XXXX due to being in the hospital suffering from gunshots to my chest and back as a result of being carjacked. I got out and restored my company to good standing with the state of Georgia to continue business as if nothing had happened. during which time my XXXXXXXX XXXX XXXX account was closed due to my hospitalization. I couldn't make the necessary payment account was closed. i opened an account with BB & T in XXXX, MD. sent my loan funds to BB & T. They accepted my loan then closed my account stating i opened the account in fraud. AND THAT THEIR HEADQUARTER SPOKE WITH THE SBA. AND THE SBA REQUESTED THE FUNDS BACK. when i spoke with the SBA they said they had no knowledge of what the bank was speaking of. In all BB & T stole XXXX odd dollars from me in dishonest means please help me recover my funds or return them to the SBA as im am still responsible for the loan
Product: Credit reporting or other personal consumer reports

al these accounts that i dont know and are in my report i dont want them, ihave reported them many times 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 XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive notified LexisNexis on several occasions that they were reporting incorrect information on my credit report, I also froze my LexisNexis files and they continue to share my data with the credit bureaus. I sent them letters from the bankruptcy court stating they do not give this information to them. Yet they state this is where they got it from. They are reporting incorrect information and have not legally verified my information its been pass 30 days for them to validate this information ... I have not received anything from them.
Product: Credit card or prepaid card

We submitted a valid payment to our account, as we have since we opened the card. The bank has suddenly decided that they have a new policy of not crediting valid payments for some indeterminate period of time ( each time I call I get a different number of business days ). They have independently and manually verified, with me on the line, that the payment is valid, but have continued to shrug and tell me that despite possessing thousands of their dollars, their new policy does not allow them to credit the payment to our account.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat this item is being reported correctly? Who verified these items? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS? I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

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

I reported to The three major credit bureaus ; XXXX, XXXX  and Experian that according to the Fair Credit Reporting Act, that the bureaus was suppose to provide information directly from the agency that reported my bankruptcies or else by law they need to remove them and or provide documents or credible information where information was collected. All three bureaus stated the same information that they received information from XXXX Bankruptcies district. I contacted the bankruptcy district and it was stated that it would never be a time that this information will be provided to any credit bureaus. I requested all three bureaus on XX/XX/2020, XXXX and XXXX of the removal. I also tried contacting them again by phone and the system made it impossible to reach them. I also tried disputing again via direct website and theres no right of passage. These companies should be reported for rude behavior as well.
Product: Credit reporting or other personal consumer reports

American Express employees appear to be manipulating and mishandling consumer information. They are creating customized reports and using these reports as the basis to make serious and heavy-handed decisions against there customers. In many cases, inflicting financial harm without warning. In this case, American express is treating the information in this tailored letter as a major negative delinquency factor, and claiming verbally that this is the sole reason why they must take immediate negative action against their customers. They verbally claim there's nothing they can do because they have to take responsible immediate action based on how they receive information and instructions from the credit bureaus. They verbally state they will send you additional information to support their decisions, but never do, because it doesn't exist. When checking with all three credit bureaus, there is no visible evidence of Amex making any recent soft or hard inquiries. It appears the company is pretending to run live credit checks, but in reality just recycling old information repeatedly, manually copying and pasting bits of data from random sources, and crafting their response letters to carefully fit their premeditated systemic targeting of customers.
Product: Mortgage

Thank you so much for responding to my complaint. But nothing in that response said anything that happen in XXXX. Yes I was approved for my XXXX modification in XXXX after I filed Bankruptcy. In XXXX I received my check back from you guys and I called and the rep from Bank of America ( bofa ) said they could n't find my Modification ( Mod ) paperwork. They said they can not accept any more payment until they find it. As we wait for the process. I received a call stating that they found it and also I 'm APPROVED for a Principal reduction. She also stated that she will be sending my paperwork for me to sign. 
Question : Where is the paperwork, I 've called every XXXX days until the end of XXXX and everyone kept telling me it 's on it way. Also XXXX time I called they said the department is closed down. So it will take a little longer. Now since this was going on of course the payments are falling behind. Yes I filed a complaint to my Attorney General office about speaking to so many different people and getting different answers. That 's why in XXXX they gave me XXXX person to speak too. So my question to Bank of America why you guys gave me the run around and then you knew by me applying for a XXXX modification within XXXX years that I was going to be denied. Also when I was already approved for themodification that you guys lost but then found. Why you guys did not give me the proper paperwork for the Principal reduction. I really think for the year of XXXX sounds very odd. And I was misled as a customer seeking for help. XXXX bank of American should had kept my check and not sent it back. Can you please explain to me what happen in XXXX. I was paying on time after my bankruptcy. I know you guys transferred me to XXXX but it started with you guys. And I feel they need to clear this up.