23daVinci/CFPB_Complaints huggingface dataset:
Product: Prepaid card

I made a claim with BofA about 10 days ago. I explained what happened just after it occurred only to find out the notes the wrote weren't even close to the occurrences I reported to them. The claim want filled correctly and I was talked to like I was an XXXX when they didn't even file the report according to what happened. I'm I'm beyond frustrated and can't believe how I've been treated. I knew the account has funds so I went to a BofA ATM and did Withdrawl. My boyfriend, who was my fiance at this point and was involved in ever aspect of my life and finances was with me. So he knew I had money in the account. When we returned home he started a fight with me which turned extremely physical resulting in him breaking my nose and leaving with my car. My purse was inside. He then made a transfer to another account of mine of which I lost the card for weeks ago but did put a spot on it or report it because I figured it had to be in my house somewhere. Then I remembered I had given it to him to get gas and he never gave it back to me but this is my fiance so no big deal right? I'm now learning how malicious he has been. He had that card, then found out my BofA card had money in it, stole my car and purse and proceeded to drain my account in doing a {$1000.00} transfer to that account and purchasing several things on my BofA card. I had made purchases on XXXX that went through the day of or the day after that I told BofA were legit. But I told them which ones weren't and was very clear about this. The police ended up recovering my now damage car and took him to jail. I have had 0 contact with him and never will again but the damage is done. I informed BofA that I I was not in possession of that card and they wrote in their notes that I was simply because I got the card back when my car was recovered. They wrote the report completely inaccurately cause my claim to be denied!!! The rep today tried telling me there was nothing more they could do and talked to me like I was a complete XXXX. I'm so done with bank of America!!!
Product: Credit reporting or other personal consumer reports

I have discovered inaccuracies on my credit report that fall under 15 USC 16c-2. The information is incorrect and is negatively impacting my credit score.
Product: Debt collection

MACY 'S DSNBVIS XXXX Revolving XXXX A XX/XX/XXXX {$4500.00} {$4000.00} {$4000.00} XX/XX/XXXX CHARGE-OFF {$4000.00} This is not my account. I never open this Macy 's card.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 
So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 


This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : XXXX. XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am being taken advantage as a consumer and being ignored. My credit report is being affected by this inaccurate information that is being reported in violation of the FCRA.
Product: Prepaid card

I have a prepaid XXXX card from Citibank that was given to me as incentive from XXXX to open an account. It has an expiration date of XX/XX/XXXX -- 6 months after I opened the XXXX account. There is a balance of {$10.00} left on the card and Citi has told me that those funds are no longer available to me. This seems like theft to me. I earned those funds and should be able to access them.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023. My Upstart ( one of them ) was reported paid and closed. Equifax reported it and dropped my score. 
On XX/XX/2023 Equifax reported it as open again, showing that I still owed the XXXX dollars which was paid back in XXXX. I dsiputed it. 

On XX/XX/2023 Equifax again reported the SAME account paid and closed and dropped my score for a second time for the SAME account that Equifax placed on my report as opened after it was closed. 

This is unacceptable. I have had to dispute several things with Equifax.
Product: Debt collection

On XX/XX/2018 Portfolio Recovery responded to a letter that I sent to them and all 3 credit bureaus certified, to validate the negative item of {$1000.00} that they have been reporting on my credit report. I ask the credit bureaus and portfolio recovery to provide a copy of my signature, as proof of me agreeing to business with such entity and they have yet to provide me with such information. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), they are required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts you post on a credit report. They continued to send me typed letters from their office stating that I allegedly owe the debt along with a contract that was not signed or dated by me. It was literally a blank copy of a contract. I never received notice to dispute the debt, they just went ahead and added without my consent or knowledge to my credit report, with no means of contact. The worst part is during our recent correspondence to validate the debt, despite having my correct address from the debt validation letters I sent certified, they still sent their response to incorrect addresses twice, how embarrassing! I was only made aware of this alleged debt after being denied credit due to this account affecting my score. I have tried my best to resolve this matter with them, now I am forced to file this complaint.
Product: Checking or savings account

Am having a problem with Citizens Bank account that i was charged and overdraft fee on my account {$170.00} for fraudulent transactions that where made on my account and my account was also overdrawn i lost my card XX/XX/year> on the train and i did not had no clue what was going on with my account and that someone use my card to make fraudulent transactions the claim that was open XX/XX/year> i was closed and not favorited in my honor and the bank did help me solved this issue claim number XXXX
Product: Debt or credit management

I received Credit repair from Lexington Law and did not received any changes in credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Improper use of my account. Companies never validated or sent original documents or contracts with my original signature as proof. Account never verified. Many consumers rights have been validated.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX, and I reside at XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>. 
My phone number is XXXX and email address is XXXX I am providing you with a copy of my driver license and a recent utility bill for your immediate review. 
The reason why you are receiving this correspondence is because I do not want your organization to release, disclosed Debt Information to any credit Bureaus or reporting agencies. I do not consent or give direct permission for your organization to release any information in regards to my credit profile. 
I want to opt-out of my information being shared and I personally request that a security freeze be placed on my credit profile within XXXX  days of receipt of this correspondence. 
I have notified XXXX, XXXX and XXXX regarding a security freeze on my profile. I strongly request that your company take immediate action towards my initial request to Opt-Out and place a XXXX XXXX. 
I declare, under penalty of law, that to the best of my knowledge, the information supplied above, and all accompanying information is true and correct.
Product: Credit reporting or other personal consumer reports

This serves as your FINAL NOTICE regarding the inaccurate and misleading information that continues to persist in my credit profile, despite previous disputes and requests for verification. You are now in direct violation of both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Under 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ), 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), and 15 U.S. Code 1692k ( Civil Liability for Violation of Debt Collection Practices ), your ongoing failure to provide accurate and verifiable data, and your negligence in updating my credit report, exposes you to legal liabilities.

Disputed Information Must Be Resolved : You are reporting items that violate FCRA and FDCPA requirements. Under the law, you have failed to : Maintain procedures that ensure the maximum possible accuracy of my credit report.

Provide written results of your reinvestigation within the 30-day timeframe required by FCRA 15 U.S.C. 1681i ( 6 ).

Properly correct billing errors as per TILA, 15 U.S. Code 1666 ( b ). Late payments marked inaccurately must be updated to reflect " paid on time. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

As I have stated I have documentation of every letter sent to this company and no response from this company as well. The address  on file for the account is not address I 've had the same address for 9 years. If the com pany had responseded to any certified mail with return signature I sent that would have had my real address to contact me and respond accordingly. I have all the documentation from  USPS  the certified mail I sent was received and signed for my the company no mail from this company was sent to me. Also as I stated a police report and report with the FTC waa filed   XXXX   XXXX    2017. By l aw this company has to mark my account disputed upo n 30 days of the request I sent by mail which was not done and any validation  information binding me to this account was not sent within the allowed leg al 15 da ys. Any disputes marked on my credit reports today will be removed and will mot stand in court as my letters sent to the company are date and time stamped as is the signature from the company when they received the letters I sent. The account needs to be removed from all credit reporting agencies. I will proceed forward with all the documentation and evidence I have for a lawsuit until the accounts are removed from any and all credit reporting agencies. A fraud alert was already placed on my accounts and social as well.
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. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have 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 a account without my written instructions.
Product: Credit reporting 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 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  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

i haven't received anything withing the 30 days time limit, per 15 USC 1692g see attachments
Product: Credit card or prepaid card

Citi bank ran my credit without permission or notice and is now closing my Best Buy Elite card. I have never made a late payment on the account and was not given notice nor did I give permission to run my credit again
Product: Debt collection

I cancelled XXXX services. They claimed I had a contract with them and couldn't cancel until XXXX. When I asked for a copy of my signed contract, they sent me an XXXX contract without my signature. XXXX them claimed that it was a verbal contract. Since XXXX phone system states that calls are recorded, I asked them to send me a copy of the recording were I entered into a verbal contract. I never received this either. I moved into my in XXXX and XXXX was already installed. We never signed a contract, we continued to pay until XXXX when we realized we didn't use it and could save money by cancelling it. When I called to cancel, this is when they told me first that I had a written contract and when they couldn't produce that, that I had a verbal contract ( which again, they can't/have n't produced ). They sent to Virtuoso Collections. On XX/XX/XXXX, I sent a letter to Virtuoso disputing the charge and requesting a copy of written or verbal contract from XXXX. Not only did they not provide this, they continue to call multiple times per day even though their letter says they will stop calling once I disputed. In addition, when they call, I have asked them to only correspond with me in writing. I am requesting a copy of the alleged contract. I am following the rules and Virtuoso should also. I resent my XXXX letter to Virtuoso virtually on XXXX. If they can produce a valid contract that shows I entered into an agreement with XXXX, I will pay the amount due- {$200.00}. I have been asking XXXX and Virtuoso for this " contract '' for months verbally and in writing. Neither have produced anything.
Product: Consumer Loan

Dealership fraudulently used my personal information to obtain an automobile loan. Vehicle failed Maryland safety inspection and repossessed against previous owner ( " XXXX XXXX XXXX XXXX '' )
Product: Credit reporting, credit repair services, or other personal consumer reports

I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS and UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate and correct.

In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that these items are being reported correctly? I'VE ASKED YOU " WHO VERIFIED THESE ACCOUNTS? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, 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 DELETE all information which can not be verified.

Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are willful noncomplying with the FCRA.

Since you CLAIM TO HAVE VERIFIED THESE ACCOUNTS BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO UPDATE '' THE FOLLOWING ACCOUNT.

Please update the following account, or inaccurate information, from my file immediately & send me the results to the address listedXXXX XXXX XXXXXXXX, XXXX XXXX XXXXXXXX and XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/2020, I went to do food shopping at XXXX XXXX. I tried to purchase the food supplies by using the Chase debit card and realize the card was deactivated. I could not find a direct answer for the reason of the closure from the branch on that very same day. I was told by one of the bank representative to call " XXXX. It has been difficult for me to try to resolve this issue during the COVID-19 and I have health issues. I was severely stressed out when I called the number that was issued to me and waited for 45 minutes and a representative picked up the call was the problem. This individual I could not understand clearly because he was from XXXX with a severe accent. I could not get the answers when I ask " Why is my account closed? '' and " How can I pick up my remaining funds from this account that was restricted? ". The only thing I understood was the remaining funds will be sent through casher 's check by mail within 10 business days. I was furious because I needed to open up another bank account and still have responsibilities to pay other creditors. I had to use a different credit card to pay for the food groceries and it was raining that day. All this has placed myself to a health risk due to COVID-19. This XXXX was the number to call for disputes and it turned out this number is the issue. The Chase bank representative I spoke with had an attitude and said " You will never ever have an account with Chase again '' with a stern voice. I deposited this money with this Chase bank in trust and expected to receive it back the same way. Why did Chase just give me the money on the same day instead of mailing it by mail which takes more time. I know XXXX XXXX does not do that and XXXX  XXXX XXXX. 

So you can the frustration I am currently going through. I still do not have my money but I managed to open up a new account with XXXX  XXXX XXXX. My other concern is that I still have a final direct deposit from the Veteran 's Administration going directly to the restricted Chase account. I hope the bank do not decide to sent it through mail again. Once again, why can I receive it on the branch before the account go to a complete closure or I prefer if the direct deposits ( XXXX  and XXXX by from the Veteran 's Administration ) return to the VA since the changes has been made with them for myself to receive the future funds. Please look at this manner, it is completely unsatisfactory. I need the money to pay for rent, utilities, auto, insurances, etc.
Product: Credit reporting or other personal consumer reports

This account was opened on date XX/XX/XXXX and closed on XX/XX/XXXX. There are no on time payments from XX/XX/XXXX to XX/XX/XXXX. This is inaccurate payment history reporting. I should have active payments XX/XX/XXXX to XX/XX/XXXX. This inaccurate information falsely manipulates my credit worthiness and it's hurting my ability to obtain credit. Experian failed to investigate this account properly after I repeatedly asked to have the account updated. Your neglect has once again violated my consumer rights. I am demanding a deletion of the account name : XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

REPORTING ME TO THE CREDIT BUREAU AS DELIQUENT FOR 120 DAYS. I SET UP MY ACCOUNT ON A IN HOUSE ON A PAYMENT PLAN. XXXX  WAS TRYING TO PULL THE MONEY FROM THE WRONG ACCOUNT, I CALL EVERY MONTH TO UP DATE MY ACCOUNT INFO BUT XXXX XXXX  KEEPS REPORTING ME TO THE BUREAUS AS DELIQUENT. IT WAS NOT EXPLAINED TO ME THAT IF YOU SET UP A PAYMENT PLAN, AND YOUR ACCOUNT WAS NOT UP TO DATE, THAT THEY WILL STILL BE REPORTED YOU LATE IF YOU OWED A BALANCE. IT HAS NOW BEEN RESOLVED, SO XXXX IS GOING TO UP DATE EVERYTHING ON THEIR END AND FILE A DISPUTE TO BRING ME CURRENT. I JUST NEED IT TO BE UPDATED ON ALL 3 BUREAUS.
Product: Credit reporting, credit repair services, or other personal consumer reports

SOMEONE STOLE MY IDENTITY AND USE MY SOCIAL SECURITY NUMBER AND SUMMITED SEVERAL FRAUDULENT APPLICATION I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRAS. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Bank account or service

I 've been a Wells Fargo checking account holder since XX/XX/XXXX. Never 1 NSF overdraft, late payment, or negative notice on my account. Without notice or warning I learned today my account was put on hold for review on XX/XX/XXXX and will be closed effective on XX/XX/XXXX while I have no access to my funds Wells Fargo put a hold on my posted funds of over ( {$5000.00} ). This was all done with any explanation for the account closure. There is a rule in the law that basically says that when two parties are bound by a contract, and only one of the two has written the contract, then they MAY NOT interpret it to their own benefit outside the express written language of the contract. Wells Fargo has done just that, and they are now holding my funds. Please investigate. Attached is my XX/XX/XXXX to XX/XX/XXXX statement. Total account balance is {$5200.00} as of XX/XX/XXXX. 


Thank you, CF
Product: Mortgage

My mortgage was sold to Seneca Mortgage and I had no idea until over XXXX days after the closing. I 've researched my consumer rights it and I should 've been notified XXXX days prior to this occurring not XXXX days after. At that point there was no XXXX payments due and the new mortgage company changed my due date to almost XXXX weeks different than my prior due date. I have also asked them to only call my cell phone and not my office phone XXXX times now and they still have n't called my cell phone and only call my office. By far the most frustrating situation I 've ever been a part of and from my research they did n't follow the guidelines.