23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I have a Bank of America- Visa Credit Card XXXX This card had a balance of {$2800.00} in XXXX XXXX. Because I was going to be traveling for 6 months into XXXX on XXXX XXXX, XXXX, I requested the monthly Visa payments be automatically deducted from my checking account which is also with Bank of America. I completed the automatic payment request with XXXX, at the XXXX XXXX XXXX of Bank of America located at XXXX XXXX XXXX XXXX, XXXX XXXX, Az XXXX. XXXX assured me that it was all set up with the payment arrangement of {$100.00} to be deducted automatically every month. We confirmed this with the Credit Card Department which received the information that same day XXXX/XXXX/XXXX. Keep in mind I was traveling -- Bank of America mailed me a letter dated XXXX XXXX, XXXX stating they were unable to deduct my monthly payment because the credit card account has a closed status. So, for 6 months the payment was not automatically charged as agreed -- -and I became delinquent on the Visa account. {$35.00} late charges for 6 months, along with more interest due to the balance going up each month. When I returned to the States, on XXXX XXXX, XXXX I read the letter that stated they were unable to charge my account automatically -- -I had not had my correspondence forwarded since I was traveling. How was I to know that the original arrangement was not followed through by Bank of America. Here is the kicker -- -when I returned I called Bank of America to see what could be done with the delinquent amount and if the late charges and any interest charged due to their inaccurate information the payments were not made. So, I called the collection department and spoke to a young lady named, XXXX XXXX, she stated she could submit an order to get the late charges reversed and refunded to the account but the account needed to be at a Current Paid Status -- I paid the amount past due of {$640.00}. to bring the account current. Once the payment of {$640.00} was processed and had gone through, she then retracted her statement saying she could NOT reverse the late charges because I had been past due in the past. What a joke this was on me -- made the payment and then once again, fraudulently, advised. One important statement she did make was that it does not matter whether an account status is open or closed the payments should be able to be paid automatically as originally was to be done. Please help, I am a XXXX year old, lady with a financial hardship due to illness and then for this to happen is not very professional on the part of Bank of America. Fraud on their part to take a consumer for more money.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Account XXXX is wrongfully appearing on my credit file on XXXX, XXXX & EQUIFAX.They are the second collector to wrongfully pursue collection for the original collector XXXX who violated the California law regarding the IMPLIED WARRANTY statutes.XXXX also committed fraud, knowingly selling cellular service for which they had insufficient cell towers to provide adequate service. 
All three bureaus have verified through dispute this account in support of the collector trying to collect a fraudulent debt.When I originally received the service and phone I was satisfied.Shortly thereafter the screen broke so I contacted XXXX and XXXX replaced the phone for XXXX dollars.The replaced phone had a problem with the charging port.I struggled for about a month until the phone was dead and wouldn't take a charge.I didn't want to pay another XXXX dollars to risk getting another defective phone.The service itself dropped calls and my phone was on roaming at my own home on XXXX.XXXX phone service can lose a call if the wind blows.I was being billed heavily as I had added my girlfriend on to the service.The carrier XXXX could not provide adequate service from many locations and I had two defective phones in a row.I abandoned the service and moved to another carrier.The charges to me are wrongful and unfair and illegal in my state.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX and XXXX of XXXX, XXXX XXXX XXXX reported one account ( loan  account ending in XXXX ) as a bad discharged debt and another as delinquent to all three credit bureaus. ( see attached ) This information is inaccurate. In XX/XX/XXXX XXXX XXXX XXXX  XXXX removed me from the account that they later reported as a " bad debt ''. They also reported me as delinquent on a credit card account ( XXXX ) that is linked to my XXXX  XXXX XXXX checking account for automatic payments. The checking account has always had sufficient funds and there never should have been a late payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed a few accounts on my report that are not mine XXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and deleted from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am a victim of the scam and I want both XXXX and Wells Fargo to work together to remedy the situation. In XXXX this year, I tried to sell my car ( XXXX  XXXX XXXX XXXX on XXXX at {$1200.00} and a buyer named " XXXX XXXX '' sent me, by XXXX, a cashier 's check issued on XX/XX/XXXX, which now the XXXX  XXXX XXXX has formally confirmed as fraudulent ( see the attached XXXX  XXXX XXXX response to my CFPB complaint # XXXX ). When I received the check on XX/XX/XXXX and immediately deposited it into my XXXX  XXXX XXXX account, the buyer told me that by mistake she sent a {$3500.00} check including the fee for the mover that she hired ( {$2200.00} ).  She asked me to take my share ( {$1200.00} ) while wiring the remainder ( {$2200.00} ) to the Wells Fargo account of the mover named " XXXX XXXX '' via XXXX XXXX XXXX XXXX XXXX # XXXX ; XXXX XXXX, which I did on XX/XX/XXXX. When I realized that it was a scam, I immediately contacted XXXX and also Wells Fargo about the scam. Fortunately, the scammer got back to me complaining that the mover 's bank account at Wells Fargo got blocked. However, neither XXXX nor Wells Fargo has opened an internal investigation and made an arrangement to get the money back to me. I am attaching five documents : 1 ) the XXXX  XXXX XXXX 's response to my CFPB complaint ; 2 ) my original FBI report ; 3 ) my supplemental FBI report reporting the blocking of the scammer 's Wells Fargo account ; 4 ) my local police report ; and 5 ) all evidence of communication with the scammer.
Product: Debt collection

Called my cell phone 6 times on XX/XX/XXXX and so far 3 times on XX/XX/XXXX before XXXX XXXX. I do not know who this is but when I looked up the number it came up as CDI - a debt collection company.
Product: Debt collection

We recently welcomed a baby, and during that time, I had medical insurance coverage. However, the company requested payment despite us providing all the necessary insurance information. Surprisingly, they haven't contacted my insurance company. After speaking with my insurance provider, they confirmed that no one has sent them a bill regarding this matter. I've been pursued for payment even though I don't owe anything. The company needs to reach out to the insurance company directly and request payment as per the coverage.
Product: Debt collection

I AM WRITING TO DELETE THE FOLLOWING INFORMATION IN MY FILE, THE ITEMS I NEED TO DELETE ARE LISTED IN THE REPORT. I AM A VICTIM OF IDENTITY THEFT. I DEMAND THAT YALL REMOVE THESE ITEMS FFROM MY FILE TO CORRECT MY CREDIT REPORT. I ALSO REPORTED THE THEFT OF MY IDENTITY TO THE FEDERAL TRADE COMMISSION & ENCLOSED COPIES OF THE FEDERAL TRADE COMMISSIONS IDENTITY THEFT AFFIDAVIT. REMOVE THIS ITEM IMMEDIATELY OR MY ATTORNEY WILL BE INVOLVED
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 XXXX XXXX XXXX XXXXXXXX ) has violated my rights.

15 USC 1681 Section 602 A. States I have the rights to privacy.

15 USC 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 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: Credit card

Citi Cards has DELETED REWARDS points from my online account : 1. XXXX plus reward points on Prestige Card 2. XXXX plus reward points for Citi Checking Citi Bank cards continue to be incompetent ad DISCRIMINATES attempting to DENY me POINTS!!
Product: Mortgage

My mortgage loan was sold to Bank of America ( BOA ) approximately 2 months ago. Today is received a thank you letter from BOA for enrolling in their PayPlan12, BOA 's monthly automatic payment deduction service. There 's only one problem - i never signed up for their plan. I called BOA and after a 35 minute ordeal they assured me that they had removed me from PayPlan12. Given that paperless payment is in BOA 's self-interest, and the fact that i never signed up for their plan, it seems to me BOA 's unilateral action rises to the level of fraud.
Product: Credit card

We had some really bad weather a few weeks ago which caused several issues with my orders being delivered, products were delivered damaged/faulty. 

Accompanied with the fact that many of the boxes were open when I got home, Home Depot representatives falsely stated that the product was not received after I clearly stated the products were damaged. They also claimed that they credit my account, but my account balance never changed.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Texas Attorney General 's office has been reporting inaccurate late and/or delinquent payment history that is causing serious issues in my lively hood. I have provided the reporting information in the below attachment. They are also not allowed to report said information according to the below : 15 U.S. Code 1681a ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 U.S. Code 1681a ( j ) Definitions Relating to Child Support Obligations. ( 1 ) Overdue support. The term overdue support has the meaning given to such term in section 666 ( e ) of title 42. ( 2 ) State or local child support enforcement agency. The term State or local child support enforcement agency means a State or local agency that administers a State or local program for establishing and enforcing child support obligations.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account With XXXX XXXX XXXX XXXX was charged off in XX/XX/XXXX. They Have been updating this account with negative and positive payment history. The latest update was XX/XX/XXXX. I have NOT made a payment on this account since XX/XX/XXXX. this why the account was closed and charged off. 

They are illegally Re-aging this account on my Credit Report. This is affecting my credit score in a negative way. Which is a CLEAR violation of the XXXX XXXX XXXX XXXX. They are updating my account as if it is still open. I've contacted this company they where rude and unhelpful. I'v also disputed this account with all 3 Credit Bureau 's . They Did nothing as well. 

I hope this get this problem solved thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently came across my updated 3 bureau report and noticed that my credit scores drastically changed. I was very disappointed so I went over it and found out that I am a victim of identity theft. Knowing my rights under FCRA 605B ( 15 U.S.C. 1681c-2 ), I want you to Block the information resulting from Identity Theft. These accounts do not belong to me. I am writing to request that you block or remove the following fraudulent accounts from my credit report immediately : The information provided is not relating to any transaction by the consumer. I have enclosed a copy of my Identity Theft Report and a copy of section 605B of the Fair Credit Reporting Act, which details your responsibility to block fraudulent information on my credit report resulting from identity theft FCRA 605b ( a ). Please let me know if you need any other information from me to BLOCK OR REMOVE this information from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On the XXXX of XX/XX/2019, the creditor XXXX XXXX XXXX transmitted and requested that their trade-line be removed from my credit report. As of this date this is request has not been completed and appears to have been ignored. Attached is a hard copy of this request from the creditor asking for the trade line to be removed.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my 3 Bureaus consumer report and I noticed some inaccurate information posted on my consumer report : 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: Debt collection

I sent XXXX XXXX a request for validation letter. I specifically asked the company to provide me with the following : Agreement with your client that grants you the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 
Any insurance claims been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to collector. 
Complete accounting of alleged debt. 
Commission for debt collector if collection efforts are successful. 

The company did not provide the name and address of the bonding agent for <<XXXX   XXXX>> in case legal action becomes necessary. This claim can not and WILL NOT be considered since they failed to complete and return copies of all requested documents made pursuant to the Fair Debt Collection Practices Act. 

I am requesting XXXX XXXX delete this account from my credit file. Failure to do so will result in legal action against the company. 

Respectfully, XXXX XXXX. XXXX
Product: Debt collection

Back in XX/XX/2017, I had opened a wireless contract with XXXX XXXX. My bill was suppose to be {$100.00} a month. But when my bill was due, it was over {$100.00} a month. And when I bought the phones from XXXX, they was junk and didn't get good reception. Also the phones would freeze up and the XXXX XXXX store would crash. XXXX placed it in collections with an amount owed almost {$500.00}. They charged me a cancellation fee for their service. They will not adjust the bill like I asked. Even when I did make payments, it would go up even higher. So I would like to file a claim if they cant adjust it.
Product: Payday loan, title loan, or personal loan

my XXXX XXXX XXXX was fully covered at XXXX  XXXX with a loan. 
that loan was provided with full coverage.the total amount was paid off with XXXX XXXX of XXXX mo.XXXX XXXX  refinanced the loan with full coverage. the motor vechile was hit in a car accident. the car was tottaled. undriveable. this accident was not my valt the other driver was in coming traffic and hit my car. another diseal came up behind my car. the bank repoled my car.at the same time I had XXXX lifetime membership with my car.t this time all companys has been notifed. 
all companys are dening service of insurance.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against the credit reporting agencies for failing to comply with the Fair Credit Reporting Act ( FCRA ) requirements regarding identity theft. Despite my submission of an Identity Theft Report and all required supporting documentation, these agencies have failed to act within the mandated timeframes and have instead sent stall letters, violating my consumer rights.

Details of the Complaint On [ specific date ], I submitted an Identity Theft Report in compliance with FCRA Section 605B ( 15 U.S.C. 1681c-2 ), which mandates that fraudulent accounts be blocked and removed from credit reports within four business days.

Despite fulfilling all requirements, these agencies have failed to take the necessary action and continue to send stall letters instead of addressing the fraudulent accounts.

Violations Non-Compliance with FCRA Section 605B : Agencies have failed to block and remove fraudulent accounts within four business days as required by law.

Sending Stall Letters : Instead of taking corrective action, they have delayed the process with unnecessary and repetitive correspondence, which constitutes bad faith and a violation of my rights under federal law.

Supporting Evidence Identity Theft Report.

Copies of correspondence with credit agencies.

Stall letters received instead of proper action.
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall REMOVE any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 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 acquired my credit report and asked the credit bureaus to check and make sure everything was complete and accurate according to 15 USC 168i ( 5 ) I received the notification that the investigation was completed and notice a lot of things were still the same. XXXX, XXXX Equifax did not modify or remove inaccurate information from my reports. Personal information such as addresses, account open dates, last active days, balances, dates of last payments and payment history data are not correct which is a violation. I am a XXXX XXXX XXXXr of XXXX and this is impacting me from moving forward to buy the car I need to go to work everyday. I attached my credit report and highlighted the inaccuracies they didn't removed
Product: Credit reporting or other personal consumer reports

I Recently reviewed a copy of my credit report and noticed I had fraudulent account on my report. Please remove this account from my report. They are hurting my ability to obtain credit. Please remove all fraudulent accounts to my report. 

In accordance with the fair credit reporting XXXX XXXX  XXXX  XXXX  XXXX  Account number XXXX XXXX  XXXX  XXXX  XXXX  Account number XXXX XXXX XXXX XXXX Account number XXXX Has violated my rights. 
15 U.S.C 1681 SECTION 602 A. STATE I HAVE THE RIGHTS TO PRIVACY.

15 U.S.C 1681 SECTION 604 A SECTION 2 : IT ALSO STATE A CONSUMER REPOERTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITINEN INSTRUCTIONS.
Product: Checking or savings account

I have deposited a check ( issued by Wells Fargo ), that I received by mail, online into my account at Wells Fargo. Wells Fargo first told me that the company did not have sufficient funds, then that the check was forged, then that I have forged the check, and they are returning the funds to the issuing financial institution ( what about insufficient funds? that they returned to themselves? ). 
I have contacted company that issued the check. They assured me, that they did not forged the check, and that there is money in the account. The money was withdrawn from the account at some point, and, I guess, now is returned back. 

I am extremely offended by Wells Fargo customer service persons, accusing of forgery, and I demand an apology. Getting my money would be also nice. I did not know, that being a bank customer involved letting the bank to get my money and abuse me at the same time.
Product: Debt collection

per the FCRA as a federally protected consumer I am now opting out any & all authorization i the consumer may have given written, unwritten, verbal & non verbal per 15 USC 6802 Obligations with respect to disclosures of personal information, 313.7 Form of opt out notice to consumers ; opt out methods, with said company " COLUMBIA DEBT RECOVERY '' Further this is now a " Charge-Off '' considered a certificate of indebtedness per the IRS and income can not be reported. The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account inaccurate! I provided a screenshot from the IRS website. By Definition, the IRS Clearly says a Cancelled debt or Charge off is Income. 

The reporting of this account as a debt is inaccurate & the selling of my information to third parties is unlawful ; WHICH IS A VIOLATION OF YOUR PRIVACY RIGHTS UNDER THE PRIVACY ACT OF 1974
Product: Credit card or prepaid card

Yesterday, XX/XX/23 I received an email stating that my account with Synchrony Bank had been closed due to delinquency on my credit report involving my mortgage, bank cards with high balances versus the limit, and revolving credit card accounts with high balances versus the limit. I called to speak to Synchrony Bank about this because the information that they have is not correct, and I have had a very good credit history with Synchrony Bank for almost 7 years now. They were not willing to allow me to provide information proving that the info they have is incorrect, and told me that there was nothing they could do to reverse closing the account for no reason. I explained to them that closing my account for no reason would be a punishment to me, because it would cause my credit to go down drastically and would also look like I stopped making my payments and they closed the account for that reason and that is not true. They were not willing to help me and basically told me they do not care. I have been reading alot of complaints online about this same issue with them. I am prepared to sue over this if they are not willing to reverse this decision. My mortgage is not in delinquency. I am on a Covid related forbearance, which was suggested by my mortgage company when I asked them if they could lower my payments due to losing my overtime at work. It was not because I could not make my payments. The one and only credit card that I had with a high balance, has been paid off and just has not been reflected on my credit. The other credits cards that I have ( 2 ) have always been paid on time just like the credit card that I have with Synchrony Bank. Closing my account was not necessary, and I want something done about it.