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

XXXX under XXXX the attached page mention of a {$110.00} refund to a card that didn't exist XXXX O/D fee of {$15.00} which NEVER would have occurred had you NOT transferred MY MONEY to an imposter XXXX O/D fee {$15.00} same reason XXXX {$4.00} fee to allow ILLEGAL transfer of MY FUNDS to an imposter ; ( account to account ) XXXX {$1500.00} transfer to imposter A SOLIDAD helped me only get {$4.00} back from the {$150.00} plus NETSPEND has committed WIRE FRAUD by giving away my money THEN charging me specious fees due to these monies being given to an imposter
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX. On XX/XX/2021, I submitted letter to the three reporting agencies ( XXXX, Transunion, and XXXX  in regards to some inaccurate information that was reporting on my credit report. This is very concerning that I have not heard any results of their investigation regarding the erroneous information showing on my report.
Product: Credit card

on sunday XXXX/XXXX/15 bank of america show i owed a minimum payment i payed twice the minimum they showed they recieved it XXXX/XXXX/15. they now show i owe a minimum payment i maintain they should not show payment due till is realey due i think that could make people late if they think their payment is paid
Product: Checking or savings account

XX/XX/2022 Trascation 1 amount {$66.00} money transfer from my Chime account to another person 's Chime account during XXXX XXXX. 

Transaction 2 amount {$10.00} money sent from my Chime account to cash app to one of people who was participating in the XXXX XXXX. 

Transaction 3 amount {$100.00} money sent from my Chime account to same person who received {$10.00} XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX Balance : {$12000.00} ; XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$460.00} ; MEDICAL XXXX Balance : {$690.00} ; MEDICAL XXXX Balance : {$850.00} ; XXXX XXXX XXXX XXXX Balance : {$3700.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$690.00} ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MO XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX https : XXXX XXXX purchased a debt of mine from XXXX. The debt dates to 2011 and was already removed from my credit report because it expired. 

XXXX XXXX put the zombie debt back onto my credit reports. Both XXXX XXXX and Equifax have refused to respond to my disputes and remove the expired debt from my credit report.
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I applied for a HELOC at my own bank, Bank of America. The process has taken incredibly long, no disclosure documents were sent to me for at least 30 days from application date, and NMLS licensed personnel at the bank misrepresented that their policy regarding certain legal forms and notary selection by the consumer were actually state law as opposed to bank policy. Additionally, when I told them that I wanted to apply at a second bank, they told me they refused to process my loan unless I signed a document stating that I would not apply at another bank. I believe this limits competition among service providers and is intended for the bank to take advantage of the consumer. No other business would operate this way. I'm not even certain that type of demand is legal. 

I feel as though they have been misleading me to the extent of possible financial harm by refusing to let me shop for a mortgage.
Product: Credit reporting or other personal consumer reports

To whom this may concern, I am a victim of identity theft and have reached out to your company as well as the original creditor several times. I have done much research on consumers ' rights as well as contacted an attorney regarding this matter. 
In accordance with the Fair Credit Reporting Act, The accounts listed below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 168b permissible purposes of consumer reports. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A creditor 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. In accordance with the Fair Credit Reporting act, by rights have been blatantly violated. 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. 
I have no knowledge of these companies and they should not be reporting as I never gave permission for the reporting per Section 1681a : XXXX XXXX XXXX XXXX XXXXXXXX XXXXg opened XXXX account XXXX XXXX XXXX XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX XXXX  opened XXXX account : XXXX XXXX XXXXXXXX XXXX opened XXXX account : XXXX XXXX XXXXXXXX XXXX opened XXXX account : XXXX XXXX XXXX opened XXXX I am demanding that these fraudulent and unauthorized accounts are removed from my credit report. I have no knowledge of such accounts and also have not given written consent to report them per Section 1681a of the Fair Credit Reporting Act
Product: Credit reporting or other personal consumer reports

XX/XX/2023 Company-XXXX  XXXX Amount- {$1600.00} Per the FCRA, as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written, un written, verbal and non verbal per 15USC6802.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me. 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 XX/XX/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
Product: Mortgage

I've got a mortgage from USAA BANK, serviced by XXXX XXXX XXXX As of late ( past 2 Mont 's ), they charge me 2 mortgage payments in the same month. When I ask to speak to a supervisor I'm being told that they do not have such person this is the case with XXXX and USAA. Do to their action I can't pay my truck payment this month, last time I had overdraft protection through my saving acct, but I discontinued it since they transferred so much money out of my savings that was down almost to XXXX, a lot more that was needed. I feel that they are cheating me on the escrow, charging me way to much money, when I asked about it they got no acceptable answers. I'm a XXXX year old XXXX Veteran with an advanced XXXX  XXXX, living on my XXXX. I can't afford this type of game that these two banks are playing with me. I can't find no one nor place to make a complaint, most of their agents have no clue how the Bank is set up. I would appreciate some help.
Product: Mortgage

Seterus has systematically misapplied my payments and then harassed me for payment. In the past, I had to send a separate fax requesting that any overpayment amount be applied to the principal balance each time I made a payment. Otherwise the overpayment would be put into escrow. All of a sudden, they started applying the entire payment to principal, charging late fees for missing payments and start harassing me by phone for an additional payment. Each time, I had to go digging up payment information to prove I already made the payment. They correct their error, credited the late fees and then made the same error again the following month. After the 3rd time I was then told it was because I did not tell the person that took the payment that they needed to use a special code to make sure the payment that I 'm making is applied properly. However, according to the letter they sent me in reply to my request for compensation they wrote " When payment is received, it is first applied to satisfy the next open installment on the loan. '' So if my payment is due on the XXXX and I make a payment 1 or 2 days before the due date, then logically the payment due on the XXXX would be the next open installment. Even in their reply letter they acknowledged making the error again stating " that another payment in the amount of {$1000.00} was received on XXXX XXXX, 2016 and was applied to the loan as a principal balance reduction. '' This was a payment that I specifically made by phone and requested that the special code be used to make sure it was applied properly, but it was n't done. There needs to be some kind of accountability. The last harassing call I receive the caller refused to call my wife. I repeatedly requested she speak to my wife since I was not able to provide the information on the payment that was made at the moment. Even after explaining that I was in a business meeting and was not able to stay on the phone. She kept insisting that I make a payment.
Product: Credit card

I been getting a {$2.00} dlls charge from a Macy 's card but mY balance its XXXX {$0.00} for about 3 months that I have n't used the card.
Product: Credit reporting or other personal consumer reports

I have been been getting a bunch of inquires from different lenders and realtors. I need these inquiries removed immediately
Product: Checking or savings account

OnXX/XX/XXXX I visited the Chase branch located at XXXX XXXX XXXX, XXXX, NY XXXX. Prior to my visit, I had done my research on the different account types and their bonuses. I decided to open a Chase Checking account, but I was unsure as to which one I would pick so I decided to see if the banker could help me. Upon visiting the branch, I spoke to XXXX XXXX, one of the bankers working that day. I told her that I wanted to open a Chase Checking account and that I had a coupon code. She took my info and filled out an application for a Chase College Checking, since I just started college. After the process was complete, she told me that I just had to make sure to have a direct deposit made to this account totaling more than {$500.00} within 60 days in order to receive my {$200.00} bonus. On XX/XX/XXXX FAFSA sent a tuition refund as a direct deposit of {$750.00}, which more than satisfies the terms. However, Chase website said I would receive the bonus within 10 days. When I did n't receive the bonus, I called Chase customer support, and they informed me that the coupon code was never applied at account opening. When they tried to open it, they were unable to so they redirected me to the branch that I had opened my account in. When I went to visit the branch the next day, the banker told me that I was n't eligible for the coupon code, because I was n't a new Chase bank customer. When I asked her to explain what that meant since this was my first and only account with chase, she just said the same thing again. I left the bank and called customer support once again later that day explaining the situation, and they transferred me to a higher up. She then informed me that my the coupon code could not be applied to a Chase College Checkings account, but rather only a Total Checking Account. I then tried to explain that the banker assured me I would receive my bonus as long as I had a direct deposit made. I was then told that there was nothing they could do, and it was the branches decision whether or not to reward the bonus. After reviewing all of my steps, I do realize that part of it is my fault for not researching well enough. However, I do believe that I was purposefully mislead. The supervisor I spoke to informed me that at account opening, the coupon code would not have worked since the type of account I was trying to open was ineligible. However, the supervisor also says that the system will inform you if and when the coupon is n't eligible. Instead of telling me, the banker proceeded as if there were no issues and allowed me to open the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; Experian and XXXX  should not be reporting a collection in the amount of {$11000.00} on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) Payments are automatically being deducted bi-monthly. I have attached ( 3 ) documents the first document is an accounting from the Florida Department of Revenue from XXXX to XXXX showing every bi-monthly payment that has been made and continues to be made to date. The second document attached is from the US Department of Treasury showing a payment of {$4100.00} made on XXXX and a payment of {$420.00} on XXXX. These are additional payments that had been made as well. The third document is showing the additional payments that are being made in arrears. The current balance reporting is incorrect in addition, because payments are being made, the coding of this line item needs to be changed to a 01 and should not be reporting as a collection. This false reporting of a collection is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful. XXXX anymore.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

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.

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: Debt collection

Collections from Hunter Warfield for XX/XX/year>. I called Hunter Warfield to provide me the contract or debt and received nothing. Debt is not mine and this is a case of mistaken identity. I have disputed this collection on XXXX and XXXX.
Product: Credit reporting or other personal consumer reports

I am writing for two ( 2 ) reasons : 1. To dispute certain information in my credit file ; and 2. To have you re-investigate and remove inaccurate information from my Credit Report and prevent its re-insertion. The item ( s ) I dispute are listed below and are inaccurate orincomplete. I am requesting that the item be investigatedto correct the information XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX
Product: Debt collection

I tried to pay this debt my card was ran and then they reversed the payment. They then continued to call me telling they didn't have the payment. I asked them to stop thinking it was fraud.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account.this account is hurting my ability to obtain credit.Its my understanding that the credit bureaus will investigate this account for me to ensure accuracy here is the account Iam asking you to verify as accurate account number XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Debt collection

I sent Green and Cooper a USPS Signature Required, Cease and Desist Letter, to stop all forms of communication with me on XX/XX/XXXX order number XXXX. This letter was signed for by Greene and Cooper. I have now started to receive letters from Greene and Cooper again today XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Not accurate filing date and showing up as XXXX XXXX on Equifax and on XXXX XXXX XXXX too many errors and this is causing alot of issues for me I want this deleted off my credit report.. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Case or ID # Disposition Date Filed Type Filer Current Disposition XXXX Bankruptcy Filed XX/XX/XXXX Personal Individual Dismissed/Closed XXXX Asset Amount Exempt Amount Current Disposition Date Date Verified Date Reported Prior Disposition XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX Filed ////// Reference Number XXXX Date Filed XXXX. XXXX, XXXX Classification Bankruptcy Type XXXX  XXXX bankruptcy Responsibility Individual Asset Amount XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am on an income based payment plan and was informed that the interst would be separate form the principal balance, however my credit report is reflecting a higher amount and is adversely affecting me
Product: Credit card or prepaid card

I've held an American Express XXXX card since XXXX. This was my oldest line of credit. The card was always paid on-time and in full. 

In XX/XX/XXXX, the card was cancelled due to inactivity and my points forfeited without any notice. When I called on XX/XX/XXXX, an agent helped me open a case request to reinstate the account. I was assured that I'll be contacted by American Express within a week. Upon no response, I called again on XX/XX/XXXX. I spoke with two agents ( XXXX and then XXXX ), each taking me through the process of reinstating the account ( including taking all my personal details and SSN ) only to be told that the account and points can not be reinstated. My only option if I want an American Express card is to reapply for a new card, resulting in a credit check and forfeiting my rewards.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, In accordance with the Fair Credit Reporting Act : the following companies have all violated my rights and I would like to have the issue reviewed and resolved as soon as possible as the inaccurate items are causing me financial hardships resulting in a lower FICO score.

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 : A consumer reporting agency can not furnish an account without written instructions. 

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
Product: Mortgage

FIFTH THIRD BANK has violated my Right to credit, pursuant to 15 USC 1602 ( F ). Will FIFTH THIRD BANK reverse the adverse decision dated for XX/XX/2022?
Product: Credit card or prepaid card

I rarely use my Discover card anymore because their customer support no longer supports their customers. 

In this case, I bought a computer processor that turned out to be defective. The merchant, XXXX, does not respond to customer complaints and does not resolve issues with their sellers ' shipping defective merchandise. 

In this case, I received a defective CPU processor. I contacted XXXX to report the issue, and XXXX 's automated response was to disregard the issue. I opened a dispute via Discover, and after a few months, Discover came back siding with XXXX. 

I would not raise this issue other than Discover has made no attempt to contact me or request additional information regarding this issue. It would appear that Discover simply does a a cursory attempt to contact XXXX and accept any excuse provided to close the case. 

This is not the first time Ive had issues with Discovers customer support not conducting thorough investigations for disputes, but it is finally worth escalating, even if it is over a {$27.00} purchase.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account below the company stated that I failed to pay. I have attached proof that I have made payments to the account as agreed to by the bank. I have been trying to work with bank to settle debt. 


XX/XX/XXXX XXXX {$27000.00} Installment Negative XX/XX/XXXX XXXX  Account : XXXX XXXX XXXX XXXX XXXX XXXX {$1000.00} {$1500.00} 70 % Revolving Negative XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, After reviewing my credit reports I noticed that you are alleging that the following accounts are negative without furnishing any proof of verification of this debtor that you followed all laws and regulations to report therefore you must remove all negative and adverse remarks. 

XXXX  XXXX As you know it is against the law to report any information not proven accurate. I demand that you provide me with the concrete evidence and all documentation proving that I am or have been late. Please be aware that all negative remarks found on my credit report is violation of the FCRA and FDCPA when you can not furnish the validity of the remark. I am not in dispute of ownership of the account but if you are unable to provide the full reports of how you validated, verified, and how you are in compliance then you must remove the account from my credit report. 

Thank you, XXXX XXXX
Product: Checking or savings account

I am writing to formally express my concerns regarding Bank of America handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Bank of America numerous times and reporting discrepancies, my financial institution and Bank of America failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and tracking these transaction was unfeasible. The CFPB 's findings indicate that Bank of America has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. I deserve these back to me as it should.