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

Bank of America credit card company closed our credit card in XXXX of XXXX because of delinquency. 

I do not have the statements from 10 years ago so I called and requested the statements from Bank of America. 

The representative told me she could see from " the notes '' that the account was closed and referred to their collection department on XX/XX/XXXX. 

She then referred me to the " recovery '' department who also told that the account was closed so long ago they don't have the statements any longer. The irony is almost too much. She reconfirmed the date Bank of America closed the account following past due balances, XX/XX/XXXX. 

She also directed me to a fax number to direct my complaint. It is XXXX. I don't know who that is or where that number goes? I've been give that number in the past and have sent a written statement similar to this. 

After Bank of America closed my account, I paid Bank of America when I could but not consistently. After some years, the account was sold to a collection agency. The collection agency or Bank of America " re-aged '' the debt reporting the delinquency to reflect the date they acquired the debt, not the date of the original deliquency they are required to report. 

Per the FCRA, this item should have been removed from my credit report as of XX/XX/XXXX! It was not. 

I wrote Bank of America. I called Bank of America and the Collection Agency. They both blame the other telling me to call the other. I supplied all of this information to Bank of America who ironically is in full possession of the statements and the closing date. I hired a credit repair companies to address this. Still, Bank of America continues to confirm the re-aged date is accurate. You can see on my credit bureaus how many times I have tried to dispute this. 

Since we lost our jobs in XXXX, we have worked diligently to recover and repair our credit. We continue to pay this debt every month with a full understanding we owe the debt. But Bank of America and the 3 credit bureaus are conflating debt owed with reporting laws. 

We want to refinance our house. We want to buy a smaller house for retirement while interest rates are so low. We are running out of time. This is severely knee capping our effort to secure our finances for retirement. 

Between credit card companies and the credit bureaus, we can not move forward. This is illegal and unjust.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not the owner of XXXX XXXX XXXX  ( ORIG CREDITOR : XXXX XXXX XXXX XXXX I do not owe these companies..Derogatory accusations must be Metro 2 Compliant to retain or report so delete any not physically with proof of permissible purpose from the exactly and legally identified me..I do not authorize you or anyone to report not proven compliant information and you must comply.
Product: Debt collection

I am unaware of any debt related to XXXX XXXX XXXX. 
I have never signed any agreement or provided any personal information or documentation to this company. This debt does not belong to me. 
I have tried reaching out to them to get this resolved, but they refuse to help
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX & XXXX XXXX Date of Inquiry XX/XX/XXXX.
Product: Credit card or prepaid card

On XX/XX/XXXX  I tried closing my Wells Fargo Credit Card Account. I was told I couldn't and new cards were issued and sent to addresses in XXXX, TX that do not belong to me. I called again on Friday, XX/XX/XXXX  and requested my credit card account be closed out. I was told it would take up to 24 hours to close the account but it would be closed. I also reported fraud issues still occurring and was given a case number. On Monday, XX/XX/XXXX more fraudulent charges had been made onto my credit card account. I spoke with a representative that told me an investigation was happening and that my credit card account had been closed. On Wednesday,  XX/XX/XXXX I received an email that another credit card was being sent to my address. I called Wells Fargo yet again on Thursday  XX/XX/2021 to close the account and report the fraudulent charges on it. I was told the account was closed by consumer on XX/XX/XXXX 
Wells Fargo is NOT closing this account as it has been requested multiple times in the past 2 weeks.
Product: Vehicle loan or lease

Charged extra and incorrect interest amount of XXXX $ by GM Financial XXXX Did NOT get a proper statement!!!
Product: Credit reporting or other personal consumer reports

Company has been asked to remove XXXX from file as it doesnt not belong to me and debt is incorrect. Debt address does not match current address, previous address or school address. When told this company has refused to look into issues stating its my fault, when given proof as far as address company has refused to run personal investigation, when mailed letters requiring a signature that it was received company has also refused. Company has reported account as meeting FCRA standards and that is false as they have previously reported other accounts as meeting FCRA standards that were later removed. Its becoming clearer there is a discriminatory aspect being in place depending on who is running the company reports as some individuals dont view some reports as needing to be looked at. Company has had disputes ran on account for past XXXX  months with no assistance or proper investigation
Product: Mortgage

I sent a complaint XXXX MONTHS AGO any Green Tree has not completely responded to my request!!! My MIP has not been removed yet! I need this to be removed ASAP
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached two FTC reports with accounts and fraudulent inquiries I did not authorize please delete
Product: Debt collection

On XX/XX/2024, I submitted a formal dispute ( Dispute ID : XXXX ) to Equifax regarding inaccurate and unverifiable items on my credit report. Equifax failed to respond within the 30-day timeframe mandated by the Fair Credit Reporting Act ( FCRA ), as the deadline of XX/XX/2024, was missed. I sent a follow-up letter on XX/XX/2024, and a final demand on XX/XX/2024, but Equifax did not provide any response until XX/XX/2024, via the CFPB portal XXXX This response was untimely and failed to meet FCRA requirements. 

Equifax retained unverifiable accounts and failed to provide direct verification or documentation as required by law. They also did not conduct a manual reinvestigation as explicitly requested and relied on automated systems like XXXX. Additionally, Equifax ignored my demand for certified mail communication and responded only through the CFPB portal. 

I am requesting immediate deletion of all unverifiable accounts and inquiries, written confirmation of these deletions, and assurance that these items will not reappear.
Product: Checking or savings account

On Tuesday, XX/XX/XXXX, I deposited a check in my business account at Bank of America in XXXX XXXX, NC. I went inside the brick and mortar building. I tried to cash a check but I was told it would have to be deposited and I could get cash on Wednesday, XX/XX/XXXX. I asked the teller would there be a hold and she stated no there will not be a hold. This was at XXXX XXXX. At XXXX XXXX. I received an email stating that there would be a 10 day hold on the check. I would not have deposited the check if I had known there would be hold. I went to the back and they said it is nothing they can do because my account is so new. They cased the same check in XXXX. I called Bank of America and was told it is nothing they can do and that they can put holds as they see fit. This has caused my mortgage, car payment, and over XXXX of payments to bounce because I am not able to access money that I have earned. I don't know how I am going to recover from this but it is not fair. I could see if the business that wrote me the check was new but it is a school. I am education consultant. Bank of America could have released this hold but refused.
Product: Debt collection

In recent review of my credit reports from the XXXX major credit agencies, I see that XXXX different creditors are reporting the same account. I request a total deletion under the FCRA, according to my understanding of the Fair Credit Reporting Act, their duty as creditors is a to accurately report all accounts and to correct any and all mistakes as found by their accounting department or by myself as a the consumer. I thank you in advance for upholding the federal law as indicated by FCRA, and removing these accounts immediately. 

XXXX / XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX account # XXXX Midland Credit Managemnet XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX Account # XXXX
Product: Credit card or prepaid card

XXXX out was charged and I did not us it some one took my card from my wallet
Product: Mortgage

I purchased a house and closed on XX/XX/XXXX at which time XXXX XXXX XXXX XXXX paid the taxes in full to XXXX XXXX. On XX/XX/XXXXXXXX XXXX XXXX claims they paid the same taxes again in error causing my escrow account to go negative. I contacted XXXX in XX/XX/XXXX about the issue and was told they would resolve. As of today XX/XX/XXXX XXXX still can not tell me where my escrow money is at. They have verified that XXXX XXXX never received the funds they sent but they do not know where the money is and still have not refunded me.
Product: Credit reporting, credit repair services, or other personal consumer reports

After receiving and going over my credit file, it's obvious that I been a victim of identity theft and the aftermath has seriously impacted my credit file. As I begin my own investigation into the matter, I would like to demand physical certified documentation from the 3 major credit reporting agencies inwhom is reporting such frivolous accounts inwhich as effected me and my livelihood. Also I'm requesting that the credit reporting agencies share with me the Method of Verification inwhich they will take in solidifying this issue. If not please block the following accounts from my credit file immediately as stated within the consumer laws of the FCRA. These are the accounts that needs to be blocked.

1 ) XXXX XXXX XXXX {$4600.00} 2 ) XXXX XXXX XXXX {$990.00} 3 ) XXXX XXXX XXXX {$930.00} 4 ) XXXX XXXX {$670.00} 5 ) XXXX XXXX XXXX {$560.00} 6 ) XXXX XXXX  {$530.00} 7 ) XXXX XXXX {$410.00} 8 ) XXXX  XXXX XXXX XXXX {$310.00} 9 ) XXXX XXXX {$230.00} 10 ) XXXX XXXX XXXX {$210.00} 11 ) XXXX XXXX {$100.00} 12 ) XXXX XXXX {$57.00} 13 ) XXXX   XXXX XXXX {$51.00} 14 ) XXXX XXXX XXXX 15 ) XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Multiple inquires from XXXX and XXXX XXXX XXXX reporting hard inquiries on my credit report. Please remove from my report ( s ) Also XXXX from my XXXX report XXXX, XXXX, and XXXX XXXXl from all of my credit reports via XXXX XXXX, and Experian
Product: Credit reporting or other personal consumer reports

writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INQUIRIES from my credit report. Account : XXXXXXXX XXXX XXXX Account Number : XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent an address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proces was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redres caused significant inconvenience and financial loss, and I seek appropriate redres for these violations.
Product: Credit reporting or other personal consumer reports

The following accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX # XXXX has violated my rights XXXX XXXX XXXX has violated my rights XXXX XXXX # XXXX has violated my rights. 

I reviewed my Transunion credit report on XX/XX/2024, I noticed some things aren't complete and inaccurate. According to the fair credit reporting act, whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

Also, according to 15 USC 1681 5 Transunion should do the following ( 5 ) Treatment of inaccurate or unverifiable information : ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Also according to 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies : ( A ) Reporting information with actual knowledge of errors.

A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I reached out to my former auto loan lender, XXXX XXXX. XXXX XXXX XXXX. XXXX, XXXX in regards to my credit dispute through Experian and XXXX XXXX XXXX XXXX ). They sent a letter of my XXXX release to complete the disputing process. 
Account is paid/closed as of XX/XX/XXXX. 
Investigation completed XX/XX/XXXX. 
Amount balance of {$14000.00}. 
Amount for monthly payment {$240.00}. 
72 months.
Product: Money transfer, virtual currency, or money service

Today, XX/XX/XXXX, noticed an email from Paypal for ID : XXXX, Item XXXX  XXXX XXXX XXXX for 2 yrs. 

I never ordered or received a XXXX XXXX from XXXX. This purchase was posted XXXX XXXX, XXXX, XXXX without my permission.
Product: Student loan

I had XXXX loans with KY Higher learning which were transferred to XXXX XXXX in XXXX. All XXXX loans are still appearing on my credit report and impacting my ability to obtain financing. I 've requested that they remove these loans from my credit report multiple times form XXXX, even submitting a form to KY Higher Education to remove them from my credit report ( which they claim to have never received ) and disputing my credit reporting with the credit agencies. Today, I spoke with KY Higher Education and discussed the situation with an individual named XXXX. He said I needed to submit another credit dispute from ; yet, he refused to send me the credit dispute form and just referred to the company website to dig for it. He said that he talked to a supervisor and they could not offer any further assistance, other than to say you can try to find our credit dispute form somewhere on our website.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called and asked Early Warning ( located XXXX XXXX XXXX XXXX XXXX, Arizona XXXX ) their phone number ( XXXX ) for a copy of my consumer report so I can see what was stopping me from opening up an bank account. They sent me an copy. I seen that 2 XXXX accounts were on there. 2 accounts that I was unaware of that were supposedly opened XXXX. So they told me that I can dispute it, so I did. XXXX XXXX, I went on and called the XXXX because they are who took over XXXX Bank. I called them to get more information or documentation to support my dispute. The bank had transferred me through 4 departments ( customer service, management team, XXXX collections, and the department that handle old/closed accounts ) trying to locate an account with my name, social, and the account number that is on my consumer report. Everyone I spoke to at XXXX then began to tell me that there was nothing in their system popping up with my information. The lady then said that the account number is too long and is not in their number format. She went on to telling me that Any XXXX Bank that wasn't active or was already closed before the conversion of XXXX taking over XXXX have been Closed and removed from their system. A lady then said to me an that she could not give me something that is not there. So at this point I continued with my dispute and mentioned how I called and talked to numerous of bank representatives and that they could not bring up the account on my consumer report. After XXXX week they removed one of the XXXX bank accounts. XX/XX/XXXX I got a letter in my email stating that they spoke to my furnisher bank ( XXXX XXXX Bank ) located ( XXXX XXXX XXXX XXXX XXXX, Minnesota XXXX ). I looked up the Bank to give them a call for documentation and on XXXX it says this Location is permanently closed. and the number that is listed to call is NOW XXXX Bank who has no record of my social security number or the account number. So I am really baffled, on how they received any information from a bank that is no longer up and running. How is a bank confirming that the information is accurate of the date of XXXX XXXX and they're permanently closed. And XXXX can't even located me by my social security. A XXXX manager told me that once they had told early warning that they didn't have anything for me in their system, they were suppose to remove it off my report.
Product: Credit reporting or other personal consumer reports

This letter is to inform you that I have become a victim of identity theft. 
Icontacted the Federal Trade Commission and filed a FTC complaint which is attached. There are accounts on my report which do not belong to me. 

All required documentation is within this packet and has been Faxed and mailed via Certified mail to your agency. 

In addition, I demand the following fraudulent Inquiries be deleted from my credit report immediately. 

Please remove the following unauthorized hard inquiries from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Sincerely, XXXX XXXX
Product: Debt collection

Phoenix Financial has repeatedly called and harassed me via phone. They call from a XXXX number no less than 4 times a day, without leaving a voicemail. I first received a " bill '' from this company on XXXX XXXX, 2017 on behalf of XXXX for a debt that XXXX themselves cleared with the original debt with both myself and the initial debtor, XXXX XXXX XXXX. Ii contacted the company with this information as well as supplied sufficient information, yet the calls have continued as well as placing a fraudulent claim on my credit.
Product: Debt collection

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail, or email in a fraudulent account. 

These accounts are not mine and were opened using my personal identification without my consent. When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ). Ive never given this company permission to contact me which according to the FCRA is also against federal laws. I have asked numerous times for these companies to stop furnishing false information to the CRAs and also for them to stop contacting me. My next step will be to file suit. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 
Your failure to positively verify has hurt my ability to obtain credit. Under the FCRA unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 
I demand that the following account ( s ) be verified or removed immediately : AMERICAN EXPRESS Account Number : XXXX Charge Amount : {$2600.00} Date Opened : XX/XX/XXXX Reason For Dispute : Fraudulent Account, Account Not Mine, Unauthorized, Identity Theft AMERICAN EXPRESS Account Number : XXXX Charge Amount : {$4000.00} Date Opened : XX/XX/XXXX Reason For Dispute : Fraudulent Account, Account Not Mine, Unauthorized, Identity Theft
Product: Credit card

My husband got a new job and he was paid monthly at the end of the month. I started paying all our bills at the end of the month. Synchrony Financial has charged me late fees since XXXX 2016, even though I made payments and paid over the minimum payment some months. In some of the months, I made two payments, one at the first of the month for current statement and one a the end of the month for next statement. However, the second payment was not applied to the next billing statement, even though it was made after the required due date from the previous statement. I have now incurred over {$200.00} in late fees, but have been paying every month.
Product: Checking or savings account

As of Friday, XX/XX/2019, Suntrust bank took overdraft fees from my account on five transactions in which I have money in the bank. Two transactions are still pending that was done on the same date ( Wednesday, XX/XX/2019 ) that the five transactions that the overdraft fees were taken from and were not charged the {$38.00}. One transaction from XXXX was withdrawn on Thursday, XX/XX/2019, however, it is still pending and not cleared as of Friday, XX/XX/2019. I also received a deposit of {$240.00} on Friday, XX/XX/2019.