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

Im submitting a complaint to you XXXX to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$1300.00} ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : ; {$350.00} ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$330.00} ; 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: Credit card or prepaid card

I wanted to file a dispute with Netspend about a transaction back in XX/XX/2022. I was given a faulty product and was not given a refund. I spoke with someone overseas I could barely understand what she was saying and she refused to allow me to dispute a transaction and threatened to cancel my debit card.
Product: Debt collection

Yes I do believe this is with the same company XXXX XXXX, I spoke with several representatives from the company explaining that I am unemployed, no income and that I am unable to pay any monies. I am sick, this is stressing me out and this company has repeatedly been harrassing me calling my cell all times of morning, evenings, and even at nights when I have asked them not to, calling me from various numbers and with different persons name, now I get home and received a threatening email from this person : XXXXXXXXXXXX, XXXX XXXX with Cash Advance, threatening to sue and serve me a supeona and even threaten to call my job, what job, I told them I am not working, I need something done about this, telling me I will be serve at my door. Attached is the email that I received, I can not afford any attorney or do anything else at this time, I have no money. Is there anything that you can assist me with in contacting this person, this is brutal harassment, I realized that there is a bill I owe, but things happen beyond your control, and there is nothing I can do.
Product: Checking or savings account

I had a Checking account with Bank of America, there was a fraud with the account with cash app, I reported to them and my account is closed since XXXX. I kept calling BOA to see when the check was going to be mailed out, they stated I had to wait until the claim is over, which they said it should be over at the end of XXXX, I called them again they push it back to XX/XX/XXXX, I called them on that same day, the representative told me that my check should be mail out that same day, she then told me to call back the next day. I called back the next day which is today, now they are saying I have to wait until XX/XX/XXXX & possibly XX/XX/XXXX. Thats crazy, I need my money please help me, Im broke and they playing with my money, they are going to keep pushing the date back, feel like this is all a scam, I believe its probably nothing left to do but to sue them or something, please help me p.s All the representatives i spoke to is stupid & need to get fired ASAP
Product: Debt collection

On XX/XX/XXXX, Calvary Portfolio Services falsified information regarding the date a XXXX XXXX was allegedly opened by me while the only XXXX XXXX i had was opened in XX/XX/XXXX and the last activity in that account was around XX/XX/XXXX. Calvary Portfolio RE-AGE the account and reported that the said account was opened on XX/XX/XXXX which is false. The alleged amount that Calvary Portfolio is seeking for which they are claiming i am owing is {$2500.00}. I did not open any Credit Card on XX/XX/XXXX. I have disputed this report with the credited agencies and want this false collection removed from my credit report immediately. 

According to FCRA Section 605 ( c ), it is against the law for any collection agency to re-age an account by reporting another date which is not the date of the last delinquency. Texas Debt Collection Act prohibits any collection agency from providing FALSE information and this is a violation of The Deceptive Trade Practice Act. 

Texas State statue of limitation Texas four-year statute of limitations on debts works alongside the Texas Debt Collection Act. The limited time period means that debt collectors can not sue individuals in an attempt to collect debts that are more than four years past due. 

Texas state laws are more consumer friendly than most states where the statute of limitations starts after the account has been charged off. 

In Texas, the Statute of Limitations clock starts on the day the last payment on the account was made. This is often referred to as the date of last activity or DLA
Product: Student loan

This is in addition to complaint XXXX. The company still won't respond to my emails and now they have raised my payment to {$1800.00} per month, even though sent a document that state that our payment would be {$820.00}.
Product: Credit card or prepaid card

US bank closed my XXXX XXXX credit card with no reason given whatsoever. There was XXXX points on the account 's reward balance that I was denied access to. When I called the customer service, they were of no help at all, they kept telling me to call back at a different number and different time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to get an issue resolved with the bureaus in regards of some accounts that aren't mines, I have been a victim of identity fraud and there has been several situations of unauthorized accounts coming up, the bureaus tell me to send a ftc report to get them remove so they have proof I filed a report. I want these items permanently blocked and removed from my report, I took precautions and blocked my reports added security and fraud alerts for my protection.
Product: Credit reporting, credit repair services, or other personal consumer reports

Attached please find [ 4 ] Form XXXX issued by XXXX wherein they make notice of " Cancellation of Debt ''. Each of the XXXX relates to the following XXXX Credit Card accounts which I have repeatedly disputed. XXXX : # XXXX, XXXX : # XXXX, XXXX # XXXX, XXXX : # XXXX. Each dispute was met by XXXX 's claimthat they verified the account as accurate. Recently, I received refund checks from XXXX related to these accounts. I was told XXXX had not handled my disputes properly and had in fact overcharged these accounts on numerous occasions. The XXXX revelations came about due to complaints to Consumer Financial Protection Bureau, a subsequent investigation, and settlement agreement with CFPB wherein certain XXXX members would be reimbursed for XXXX 's errant ways. As the attached XXXXs will attest, XXXX has abandoned all claim to the referenced accounts and cancelled the debt associated with each. Nonethereless, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX and others continue to report innacurate information related to my credit report. The continued publication and dissimination of this inaccurate credit information is a manifest injustice. Next, I have been unable to " get verified '' by XXXX XXXX, XXXX  or XXXX  in order to obtain a code to temporarily lift my credit freeze. TO  say I have been led down a primrose path in my multiple attempts is an understatement.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in XXXX XXXX  and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, XX/XX/2022 XXXX, Experian and XXXX has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of the following accounts listed below because I believe it was reporting in erroneous. 
XXXX XXXX Balance : {$1000.00} XXXX XXXX  XXXX Balance : {$8900.00} XXXX  XXXX XXXX Balance : {$2900.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX an agreement was made to settle an account with XXXX XXXX through their counsel XXXX and XXXX, XXXX 12 payments have been made in accordance to the agreement, however, credit reporting continues to show no payments being received and an account in Charge Off Status month after month. 
I've called XXXX and XXXX who refers me to an XXXX # at XXXX for credit reporting, the ability to speak with the attorney is not allowed nor is leaving a message. The representatives at XXXX state that stipulation agreement and reporting are handled by their attorneys which sends me back to XXXX and XXXX who confirms the need to work with XXXX and this continues in this manner. 
In desperation, I've begun to with hold payments ( XXXX and XX/XX/XXXX ) until which time I can confirm that they are being received and applied to the correct account. XXXX XXXX continues to push the XXXX # in response to communication from my attorney. I call again today just to be sure-XXXX refers me to XXXX XXXX. 
A dispute was filed through XXXX XXXX which resulted in the entire file being removed from my profile, there is no further ability to correct this because there is no file to correct. This is per XXXX XXXX representatives during a phone call where I was trying to determine next steps. 
A dispute was filed through XXXX, 3 in total. The first two disputes resulted in a confirmation of the incorrect information that was already in the file by XXXX. The third dispute resulted in a decrease of the account balance to an amount that is not consistent with the current agreement and still reflects no payments received and a Charge Off status. 
All I am asking is for the correct information to be reflected in my profile. If either the attorney for XXXX or XXXX 's credit reporting hotline would respond to my calls, we may have been able to resolve this problem. The refusal to communicate and work towards a solution has brought me to the CFPB for help.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act Convergent Account 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 a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi after going over my Experian credit report I see a long list of collection agency that has flagged accounts that was disputed and never verified. Theses are from XX/XX/XXXX to XX/XX/XXXX. They flagged my report and post negative marks and thats not right and shouldnt be allowed to do that and Im a XXXX senior
Product: Checking or savings account

I opened an account with Citizens after seeing and using a {$300.00} sign up promotion requiring an eligible direct deposit. I opened the account in XXXX, and satisfied the requirement in XXXX I have not received the promotion to date. All my attempts to contact customer service to resolve have failed, including online chat, SMS chat, and multiple calls to customer service that always result in hold times nearly XXXX minutes and either not getting in touch with someone, or being put back on hold.
Product: Credit card

I have noticed this fraud account from Capital One. I disputed it whit the bureaus ( XXXX, XXXX, XXXX ) and they're telling me it's verified. I have never been associated with address on file ( XXXX XXXX XXXX XXXX XXXX ).
Product: Checking or savings account

I had 10 unauthorized transactions posted to my chime account between XXXX XXXX XX/XX/XXXX. 
I promptly disputed them, sent in 3 forms as it was 3 separate dispute numbers, and have waited over 10 days for a resolution. Still have not recieved a provisional credit or any type of resolution. The dispute # XXXX are XXXX XXXX XXXX
Product: Credit card

I filed a report of identity theft. There are two companies who have opened accounts with out agreements, SSA XXXX or contracts/agreements. Obtaining my social security card to open any kind of account with out my knowledge, or consent is theft.
Product: Credit card or prepaid card

On XX/XX/XXXX I went to pay a bill that was due on Bank of Americas mobile app. I realized I used the wrong bank account payment information. I called Bank of America and spoke to a representative who said she would cancel that transaction and then proceeded to take the correct bank account information for payment. She provided me with a confirmation number for the transaction. When I woke up on XX/XX/22, I got an email from my chase that bank of america withdrew the funds to pay the bill. I also got an alert saying i was overdrawn by {$2900.00}. This of course, is now causing me problems with all my auto pay bills coming out of that account. I then received an alert that they had also taken the amount of XXXX XXXX  as well. So Bank of America paid themselves twice for the same bill due. Now I am incurring all fees for bounced and overdraft amounts for autopays set up for the chase account. I dont have enough funds to cover and Bank of America is saying it will take ten days to refund. 
This is totally unfair since it was there misake, why should I pay all these fees?
Product: Debt collection

Hi, This is a different collection company but the same debt that I disputed years ago on CFPB. I contacted all companies concerned last time before contacting cfpb. It disappeared from credit reports back then and hasn't reappeared, yet. 

Amount : {$890.00} Collection Company : XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX. XXXX, SC XXXX XXXX XXXX  Reference # : XXXX Original Creditor : XXXX XXXX Current Creditor : XXXX XXXX XXXX XXXX Please let me know if you need anything else. 
Thanks for your help.
Product: Payday loan, title loan, or personal loan

1. XXXX XXXX XXXX XXXX applied through Bank of America for a loan through the XXXX XXXX XXXX on XX/XX/XXXX. 

2. On XX/XX/XXXX, I received an email from BOA stating they were ready to receive my documents. Bank of America provided, via XXXX XXXX XXXX, a portal to a document containing instructions. The instructions stated that there were three different sets of requirements based on the type of business. The types of businesses were : ( a ) Organizations with employees who file Tax Form 940 ; ( b ) Documents for Sole Proprietors or Self Employed, Who do not file tax form 940 ; and  ( c ) Documents for All Other Small Businesses. 

3. XXXX XXXX XXXX XXXX, a nonproft corporation, does not file Tax Form 940. 

4. XXXX XXXX XXXX XXXX, is not a sole proprietor nor is the organization self-employed. 

5. Therefore, we provided documents consistent with Category 3 - " all other small businesses. '' 6. Category 3 only requires : " Form 1099-MISC for XXXX, for services rendered as an independent contractor Bank of America XXXX XXXX XXXX XXXX XXXX ( located in your Bank of America XXXX XXXX folder ) '' 7. On XX/XX/XXXX, I uploaded the Bank of America XXXX XXXX XXXX Application Addendum, as completed. 

8. XXXX XXXX, XXXX,. did not provide any services as an independent contractor during XXXX, so no 1099-MISC for XXXX was originally uploaded. 

9. On XX/XX/XXXX we received an email from BOA stating that they have not received all of our documents, but it did not specify which documents. 

10. It was really unclear what documents were needed. We had provided the one document that applied to us.

11. On XX/XX/XXXX, in an abundance of caution, we uploaded a 1099-MISC for the one payment that we made to an independent contractor during XXXX. 

12. On XX/XX/XXXX, we have received an email stating BOA has still not received all the required documents, but it does not state what is missing ; it also stated the problem may be that BOA received unnecessary documents.

13. On XX/XX/XXXX, we deleted the 1099-MISC, thinking it may have been unneccesary.

14,. We are doing our due diligence and providing documents timely. It is unfair that we are being denied access to federal loan funds because BOA is not being clear and is sending messages alleging missing documents where such allegations by BOA do not seem to be supported by the facts. This is harming our nonprofit because other organizations may be approved prior to us for limited funds, even though they did not turn in their required documents until after we did.
Product: Debt collection

I received a bill for XXXX XXXX from XXXX XXXX XXXX at the XXXX XXXX XXXX which I paid in full on XX/XX/2022 ( receipt attached ). Even though this bill was paid, XXXX XXXX XXXX sent it to debt XXXX, Wakefield and Associates ( XXXX XXXX XXXX XXXX TN XXXX ). I then received a letter from Wakefield and Associates that the bill was sent to debt collection. I informed the debt collector 's office over the phone that the bill was already paid to XXXX XXXX XXXX within due time. Despite this correction, neither XXXX XXXX XXXX at XXXX XXXX nor the debt collector at Wakefield and Associates fixed their mistake. The bill shows up as a derogatory mark with multiple credit rating agencies and was reported to them on XXXX, 2022 - 4 months after it was paid for- and still shows up as open on my credit report.
Product: Credit reporting or other personal consumer reports

I had a loan with XXXX ( XXXX XXXX ) many many years ago and the mortgage was paid off many years ago. I had asked that they remove my information from their systems. Yet through negligence on the part of the company they have allowed my information including social security number to be illegally accessed. They have sent me a letter stating that they allowed intruders into their system and they have offered short-term credit reporting coverage. This is outrageous that they keep customer information on systems that the outside bad actors can get to even though it is well over 4 years since the mortgage was paid off and they were specifically requested to remove my information from their system and I never directly provided them any of my information. They bought my information from another company I had done business with.
Product: Debt collection

I must express my disappointment regarding your decision to dismiss my identity theft claim, attributing it to an error or a misrepresentation of material fact. This raises significant concerns about your authority to determine what qualifies as a material fact. It's important to emphasize that your role does not confer upon you the powers of a judge or jury, nor does it grant you an inherent right to make such determinations. 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 In accordance with the guidelines outlined by the Federal Trade Commission ( FTC ), when an FTC identity theft report has been filed with a law enforcement agency ( which the FTC itself is ), the established protocol is to abide by the law and conduct a thorough investigation.
Product: Credit card

I have XXXX debt with company several years ago it is still showing on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting an address on my credit profile that I do not recognize. Clearly the address listed on the credit personal profile is not my address. I do not recognize that address and I never resided at that address. This is an error that cost points on my credit profile.
Product: Credit card or prepaid card

First, I must preface this by saying the Bank of America credit card website is by far the worst, most difficult to navigate, misleading, and convoluted of all the banking and credit card websites I have used. 

I do not use my Bank of America credit card anymore, and I keep it open just by having one monthly subscription billed to it and then set up automatic payments to pay the balance in full every month. 

Because I have had my identity stolen a few times and people have used my credit cards illegally and it took me months to get it back from the credit card companies, I set up, what I thought, was a do not pay over {$50.00}. 

I don't pay attention to this card because I don't use it and thought everything was set up automatically. 

Then, I discover months later that I was charged a {$25.00} dollar late fee and was just about to be charged another. I'm like what the XXXX, I set up automatic payments. I haven't had a late fee in like 12 years. Perturbed, I called Bank of America, wondering what was going on. I discovered that my yearly XXXX XXXX membership was billed to this card. They said that what I set up was a do not pay IF over {$50.00}. Why on earth does this even exist except to catch people off guard. If I had not called they would have continued not paying my card, even though I set up automatic payments, and charging me {$25.00} late fees every month and interest on that. 

Nobody called or anything to say that the payment wasn't going through. They said they sent an email so I searched my inbox and saw that they've sent me over 600 emails in the past year ; sometimes up to 8 per day. 

I explained my intentions with setting that up but they said they couldn't reimburse me because it would violate the fair lending act. 

Even if i knew what they meant and said don't pay if over {$50.00}, why on earth would they not take the minimum {$25.00} dollar payment when I gave them the OK to take up to {$50.00}. I know this was contrived in some boardroom as a way to squeeze money out of people and the person who thought of it probably got a raise. I always pay all my payments on time and feel violated that they would do this to me when I told them what I thought I was signed up for. This is all because of the word IF. They were not sympathetic at all and did not do anything to remedy the situation, or even compromise. It isn't about the money, but the principle. They could easily have an option for paying the entire balance, but not if it is over a certain amount, but still taking the minimum payment or up to that amount. None of my other credit cards even have that ridiculous do not pay if over option and their websites are clearly worded and easy to navigate. 

This has been my worst customer service experience, not just with banks, but with any company in my lifetime.
Product: Debt collection

Mariner Finance XXXX is reporting a debt on my credit file. The debt belongs to a family member. They sent a check in the mail to my step daughter in her name for {$710.00} and she cashed it at her bank. She failed to pay the debt and after they failed to get payment from her they attached it to my social security number and changed my name on my credit file to her name. We have disputed the fraudulent debt with XXXX twice and the cfpb once, and they fixed it. Mariner however is still reporting it to XXXX under my social security number. XXXX has investigated it twice and are still saying it 's my debt. I have never been a customer of Mariner Finance and believe they have obtained my social security number, and are fraudulently and with malicious contempt to collect a debt under false pretenses