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

I did a complaint to Bank of America, because  XXXX  charge withdraw money from my account, one year ago my daughter call  XXXX  for do a question, but we decided do not use  XXXX  because a Mistake the company withdraw money from my bank account.   XXXX    XXXX  recognized their mistake and the manager said do not be worry we are going to revert the money to your account.   I do not use   XXXX   XXXX    I do  my taxes with my accounting, and he has been my accountant for 5 years, I have the evidence.   I do not report anything to Bank of America because they promise solve the situacin.   When I notice that the money was withdrawn by  XXXX  I called Bank of America and I explained to them the situacin, and they said we are going to do a investigacin.   They revert all the fees.   I was very surprise when they took from my account {$310.00} dollars.   They justify the action and they said you did your complain so late, and I explain I spoke first with  XXXX  and I trust that they revert the money to my account but they did not.   I did an appointment with Bank of America, but the manager do not help me.   I need all this money back, I am the only person that work in my family.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company just mailed me another fraudulent form .Stating should report to XXXX which s FRAUD.!!!!! I am AMERICAN so stop doing illegal things in my name.!!!! I also tried to put a fraud alert on my account and EQUIFAX denied the access to do that.I called and I have sent letters.This company needs to be investigated immediately.And why is CFPB PROTECTING THEM.They supposed to respond..I am tired of being treated like a dog.This is unacceptable FRAUD..I want all out of pocket expenses paid now.I am not this all caps name .I am alive in wellStop the contract FRAUD AND EXTORTION.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX XXXX XXXX  - Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX - Account Number : XXXX Unauthorized inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting or other personal consumer reports

I have rights under 15 USC 1681.

According to 15 USC 1681 : I have the right to privacy and I did not give TransUnion written permission to furnish these accounts : XXXX XXXX | XXXX XXXX XXXX XXXX - XX/XX/XXXX ( {$1100.00} ) XXXX XXXX | XXXX XXXX XXXX XXXX - XX/XX/XXXX ( {$5300.00} ) XXXX | XXXX XXXX - XX/XX/XXXX ( {$110.00} ) XXXX XXXX | XXXX - XX/XX/XXXX ( {$950.00} ) I demand the accounts listed below are removed due to fraudulent activity from ongoing identity theft as my legal team provided further investigation on their end with proof ( which was sent ). 

I have disputed with the creditors and Transunion credit bureau in XX/XX/XXXX and XX/XX/XXXX. I demanded method of verification on XX/XX/XXXX and I have not yet received this beyond the 15-day timeframe. They are unable to verify because this is fraudulent which by law requires for these creditors to be removed from my credit report immediately.
Product: Credit card or prepaid card

Hello, Transaction Company : JP Morgan Chase Transaction Amount : {$1400.00} Transaction Date : XX/XX/2020 I have been dealing with this fraudulent charge with Chase for the past couple of months and left hope. I called them N number of times until XXXX and got frustrated with their poor inefficiencies in the operations of the fradulent charges team. 

I had a charge stating " XXXX '' in my credit card statement for {$1400.00}. 
I identified this charge within a week. From then, I was contacting Chase and they haven't had any steps taken. All they say is " This is a XXXX verified purchase ''. 

Scammers and frauds verify purchases through their sources and cash out money which is an information given to me by one of my friends working in a nationalized bank in XXXX under the cybersecurity department. 

It is a shame for such a huge organization like Chase to have huge loopholes in their processes. I really wanted to hike up this issue and make it big. 

Customers life are at stake due to corporate blunders. 

Kindly take further action and help me with this issue.
Product: Mortgage

I have called them every month for XXXX year after they started a new web site You are unable to add a payment method on their website. They continue to say it is a technical issue but it has been over a year. I believe it is on purpose so they can generate more late fees. I have not incurred any late fees yet. 

When asked if they can do it on the phone they say NO???? 

The company is, Lakeview Loan Servicing , LLC is based in XXXX XXXX, FL and XXXX, PA XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, PA XXXX
Product: Mortgage

Carrington Mortgage Loan : XXXX I am an XXXX XXXX XXXX. I was stationed overseas until late XX/XX/XXXX. Prior to deployment my mortgage was with XXXXXXXX XXXX. Each month XXXX XXXX automatically debited my bank account. My XXXX orders were extended from XX/XX/XXXX to XX/XX/XXXX because of the Russian/Ukrainian crisis. When I returned home in late XX/XX/XXXX I learned for the first time that XXXX XXXX had transferred my loan to Carrington Mortgage sometime in XXXX. Carrington Mortgage did not automatically debit my account. Instead, Carrington Mortgage said I was delinquent and reported delinquencies to the credit reporting agencies. When I first learned about the delinquencies and the past due amounts I immediately paid what was owed and I set up auto-pay with Carrington Mortgage . However, Carrington Mortgage refuses to remove a 90 day delinquency from my credit reports. I have never had a single late payment in my life on any account. I am worried that this delinquency may jeopardize or have consequences for my nearly 18 years of XXXX XXXX XXXX Given the circumstances of my XXXX, I respectfully ask that any and all delinquencies being reported by Carrington Mortgage be removed.
Product: Student loan

I have been on deferment since 2015 but apparently they sell that information i get at least 3 calls per day of companies telling me they can help me I spend 30 min on the phone and no luck, I 'm sick of the calls.
Product: Credit card or prepaid card

Bank of America failed to mail statement to my address per account instructions for the last 10+ years. Statement was not received which resulted in 1 day being late and a {$28.00} fee was charged. I disputed the fee in writing over 30 days and there has been no response by Bank of America to reverse the fee. I feel this is a purposeful act by Bank of America to pump up fees to customers. This will some day result in a class action like all of XXXX XXXX accounts for doing similar practices.
Product: Credit reporting or other personal consumer reports

15 U.S. Code 1692c - Communication in connection with debt collection ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt. 
The following companies are reporting this debt in my credit report : XXXX ) XXXX XXXX XXXX ACCOUNT # XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I AM A VICTIM OF XXXX XXXX AND I NEED YOUR ASSISATNCE TO HELP ME BLOCK THE INFORMATION THAT IS IN RESULT OF 605C XXXX XXXX AND PLEASE BLOCK AND REMOVE THE ADDRESS OFF MY CREDIT REPORT AND ONLY LEAVE MY CURRENT ADDRESS WHICH IS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX IS REFUSING TO REMOVE THIS FRUADULANT ADDRESS OFF MY CREDIT REPORT THEY KEEP TELLING ME THAT ITS LINKED TO AN ACCOUNT WHICH I HAVE EXPLAINED TO THEM THAT THE ADDRESS 'S ARE LINKED TO XXXX XXXX AND ITS NOT MINE. THEY STILL DIDNT CARE.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX, Social Security Number : XXXX DOB XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, Equifax and experienced credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account, loans, collections and inquires opened on or between the years of XXXX that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank records show payment was made on XX/XX/XXXX for XX/XX/XXXX payment. 
No payment - XX/XX/XXXX. 
Payment made on - XX/XX/XXXX. Payment was put towards XX/XX/XXXX. NOT 30 DAYS PAST Due. 
Payment made on - XX/XX/XXXX. Payment was put towards XX/XX/XXXX Payment. NOT 30 DAYS PAST DUE. 
Payment made on XX/XX/XXXX. Payment was put towards XX/XX/XXXX Payment. NOT 30 DAYS PAST DUE. 
Payment was made on XX/XX/XXXX. Payment was put towards XX/XX/XXXX Payment. NOT 30 DAYS PAST DUE. 
Payment was made on XX/XX/XXXX for suspected past due balance of {$840.00}. Which covered XXXX 's payment. 

As previously stated in company 's response, they failed to recognize two ( 2 ) payments made and show as cleared by my finical institution. Bank records will show the correct date of payments that cleared and posted. This would indicated misinformation being reported to the credit bureaus and ascertains that the initial complaint remains valid and unresolved as of XX/XX/XXXX.
Product: Checking or savings account

All of sudden my Checking account, my saving account and my credit card account has been closed without any notification. There is no explanation given for the action.
Product: Credit reporting, credit repair services, or other personal consumer reports

These are errors:XXXX XXXX, Opened XX/XX/XXXX XXXX XXXX XXXX, Opened XX/XX/XXXX
Product: Debt collection

I do n't work and I 'm on XXXX they already know this and they are not allowed my law to threaten to put a lien on my accounts
Product: Credit card or prepaid card

XXXX XXXX XXXX XXXX had a dispute on my credit card due to balance showed when the card was paid off. 

Experian called XXXX and told my credit card company that fraud was going on my credit card in which it was not. 

Experian caused XXXX XXXX XXXX in which was closed and I did not call or email saying there was fraud on my account in which there was false statements made on my account. 

Experian also did not have my permission to claim fraud in which point there was no fraud done on my card. 

The dispute was about Experian not updating the correct amount and making false statements that was not called in as fraud and avoided what was the complaint made on the balance and Experian put a twist to the whole matter by creating false claims. 

XXXX XXXX XXXX XXXX XXXX negilent closing my account with no notice by Experian making false statements. 

There was no report made by me as stolen or fraud on my card by signature or a call to XXXX XXXX XXXX If the matter is not resolved I'm going to file a law suit on XXXX XXXX XXXX XXXX due to fair credit practice and false claims made by Experian and XXXX XXXX not calling me or BY mail. email or nothing closing my account by error and being bias to claims by not contatcting me. 

There is no balance nor any fraud that was done. 

What was committed was negilance due to false claims and being reckless.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the ( Experian ) credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint.

I am filing this FTC Identity Theft Affidavit to report one fraudulent account appearing on my consumer FICO Experian credit report which I do not recognize as reported and which is the result of identity theft and fraud. This fraudulent account consists of a credit card opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This account has resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

These accounts have resulted in several fraudulent chargeoffs, fraudulent late payments, and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections, late payments, or chargeoffs as reported. The aforementioned accounts, collections, and chargeoffs appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, late payments, and charge-offs are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the aforementioned fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.
Product: Debt collection

on XXXX and XXXX of XXXX a " software company '' called Self.Inc stole {$2800.00} from my bank account. 
They processed it through XXXX as a 'self pay ' event. 

Upon considerable research, I found that Self.Inc is a 'credit repair ' service, that I did not use, apply for, ask for, or even need as my credit score at that time was a reputable XXXX. 

Self.Inc stole from me, and only when I disputed the charges with XXXX XXXX did I receive my money back. 

Self.Inc apparently causes this problem so often that the 3rd option on their voice mail system is to report fraudulent theft. 

Here are the line items from the XXXX of XXXX from my bank account : XXXX Recurring Payment authorized on XX/XX/XXXX Self Lender XXXX XXXX TX XXXX Card XXXX XXXX XXXX Recurring Payment authorized on XX/XX/XXXX Self Lender XXXX XXXX TX XXXX Card XXXX XXXX XXXX Recurring Payment authorized on XX/XX/XXXX Self Lender XXXX TX XXXX Card XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent a letter from myself and my wife asking them for a copy of the contract and our signature as required by FCRA and they have not responded to our letter. 

It is a legal matter that they are not complying to. 

I will attach the letter and certified confirmation that the letter was received.
Product: Credit reporting or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$17000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX TX ) XXXX Balance : {$6600.00} ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2500.00} XXXX XXXX XXXX  XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I paid producer XXXX XXXX for music production service through Venmo, in the amount of {$1500.00} ( {$1000.00} for producing, {$500.00} for mixing and mastering ). However, due to contract breach, the mixing and mastering service were terminated and {$500.00} refund was expected. Due to the disappearance and unreachable of the producer, I'm requesting a refund through Venmo. However, Venmo stated it was a transfer between friends rather than a merchant service and refused to provide a refund.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act. These companies have violated several of my rights. 

15 U.S.C 1681 Section 602 A. Clearly states that I have a right to privacy.

15 U.S.C 1681 Section 604 Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

Remove the late payment and update these accounts immediately as you are in direct violation of several laws under The Fair Credit Reporting Act. 

Thank you for your assistance with clearing up this matter and recognizing my rights as a consumer. 
I HAVE NOT SUPPLIED PROOD UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT THEREFORE EXISTS. PURSUANT TO 18 USC 8, I OWE NO DEBT. THESE COMPANIES ARE VIOLATING MY CONSUMER RIGHT TO PRIVACY PURSUANT TO 15 U.S.C 1681-B2COMPANY HAS NO PERMISSION TO REPORT MY INFORMATION PER 15 USC 16814 . 15 U.S.C 1666B : A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN-END CONSUMER CREDIT PLAN AS LATE FOR ANY PURPOSE. THESE ACCOUNTS ARE IN DIRECT VIOLATION OF SEVERAL LAWS UNDER MY CONSUMER RIGHTS PER THE FAIR CREDIT REPORTING ACT
Product: Credit reporting or other personal consumer reports

I have been a victim of trafficking, which has led to fraudulent accounts and debts being created in my name. I would appreciate it if you could consider this situation while reviewing my credit report and take the appropriate actions to correct any inaccuracies or fraudulent activities.
Product: Credit reporting or other personal consumer reports

XXXX It appears that my XXXX  file has vanished, as indicated by the title. Despite numerous attempts, I can not access a report online or apply for credit with any financial institution that utilizes XXXX. This issue has persisted since XXXX. Each time I contact a representative, I'm assured that everything appears fine on their end, and they offer to send me a copy of my report. However, the promised resolution to my accessibility problem, with assurances of visibility within XXXX XXXX XXXX  days, has yet to materialize. Additionally, promised callbacks have not been fulfilled. 

Despite mailing the requested documents multiple times, they seem to be unable to receive them. Upon logging in, I encounter a popup instructing me to call and provide the code " XXXX '' to the representative. When I questioned this, I was informed that XXXX does not issue such codes. After following up, I was informed by another representative that the code indicates a blank file.

At this point, I am feeling disheartened and frustrated. Despite receiving score updates from myFICO ( only the XXXX, not the other XXXX ), my report has not been refreshed since XX/XX/2023. This issue is preventing me from completing my mortgage refinance application, adding to my concern and inconvenience.
Product: Checking or savings account

ON XX/XX/XXXX I LOADED {$170.00} UNTO MY CHIME ACCOUNT WHILE I WAS WORK I FILE A DISPUTE WITH CHIME BECAUSE I DID NOT AUTHORIZE THIS TRANSACTION AN AGENT FROM CHIME ASSISTED ME WITH FILING THIS DISPUTE 0N XX/XX/XXXX AND WITH IN 3 HOURS I RECEIVE AN EMAIL SAYING THEY COMPLETED THEIR INVESTGATION WHICH IS IMPOSSIBLE I REQUESTED DOCUMENTS AND STILL HAVE NOT RECEIVE THEM WAS TOLD IT WILL TAKE THEM 10 DAYS TO SEND XXXX THE DOCUMENTS WHICH IS INVALID INFORMATION SO I REFILE THE DISPUTE AGAIN WITH A SUPERVISOR AND LESS THAN HOUR I WAS SENT THE SAME AUTOMATED LETTER SAYING THE SAME INFORMATION THIS WAS MONEY THAT I LOADED FROM MY WORK MONEY ONTO THIS CARD NOW TEY HAVE FILE THIS DISPUTE 3 TIMES AND IT SEEMS LIKE THEY NOT TRYING TO INSURE MY MONEY THAT THE FEDERAL SAYS CONSUMER MONEY IS INSURED THEY GIVING ME THE RUN AROUND AND THIS WAS PART OF MY RENT MONEY SO I NEED ASSISTANCE WITH GETTING MY MONEY BACK NOT CLOSING MY COMPLAINT BECAUSE THEY GIVE YOU A RESPONSE
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and corrected : XXXX  XXXX XXXXXXXX XXXX XXXX XXXX {$270.00}