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

Bank of America ( BofA ) called my business phone to offer a " Business Advantage Unlimited Cash Rewards '' credit card. During the phone call, which I was told was recorded, I asked BofA representative XXXX XXXX if I would be able to set up Auto-Payments online for this card to pay the full balance each month. XXXX XXXX told me that I could. After the card was issued, I found that I could not set up auto-payments for the full balance, only payments for a fixed amount. I contacted XXXX XXXX and she had to ask a colleague to confirm whether it was actually possible to set up such auto-payments. Ultimately she concluded that I could not do so, and that what she had told me about auto-payments was untruthful.
Product: Credit reporting or other personal consumer reports

15 U.S. Code 1681b Permissible purposes of consumer reports I never gave these credit reporting agencies any written consent to report anything on my consumer report
Product: Credit card

I supposedly have a credit card from Capitol One that I never applied for, they said I made purchases yet when I asked to see the charges or my signature I was told that I need to send them a photo copy of my driver licence I told them are you crazy cause you will some how add my signature to an application or use it somehow against me. I have heard of many situations where companies do this, I refused to send them a copy so they say it is my card and charges, they said I have spoke to them on several occasions, said it was fraud then they said I said it was my daughter. this is BS, what happened is someone DID use my information but it was well after I moved from the address they originally have that they say I used to apply. I am sick of this XXXX and it has been years and still get no where or it removed from my credit report, they also said I need to call local police and file a complaint, now how can I do that when I dont know who did it! Never once was a payment made or a signature of mine on a purchase. They said they have proof but NEVER showed me anything until I send them my licence well that will never happen. Please see if you can get somewhere with these XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
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. 
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 these accounts 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 be verified or removed immediately : The following account is not mine : XXXX XXXX XXXX, Account Number : XXXX Please remove it from my credit report. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
Inquiry from XXXX Date XX/XX/23 Please remove it from my credit report. 

I respectfully request to be provided proof of these alleged items, specifically the contract, note or other instrument bearing my personal signature. 
Failing that, the item must be deleted from the report as soon as possible. This information is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes.

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber.

Under federal law, you have thirty ( 30 ) days to complete your investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your investigation.
Product: Credit reporting or other personal consumer reports

After sending the FTC report of identity theft in XXXX, XXXX, XXXX, and XX/XX/2023, XXXX XXXX XXXX XXXX XXXX sent me a letter on XXXX XX/XX/2023 saying that they are refusing to remove the collection for XXXX  at XXXX. They then threatened to extort me. This is a racketeering activity and conspiracy to commit racketeering activity carries a sentence of imprisonment of 20 to life. Telling me that I must pay this amount or we will violate your right to privacy by reporting late payments to the credit reporting agencies without your written permission to ruin your financial reputation which equals extortion. They made false allegations that they sent me a letter to my address which they do not have and it was delivered. It most certainly was not certified because I never received such a letter. I sent them my identity theft affidavit as well as the XXXX at XXXX. I attempted to file a police report but they said I have to do it in person from the place I resided when the incident occurred but I do not reside there anymore. They have been harassing me and have extorted me by adding negative information to my credit report in an attempt to collect an alleged debt that they have not proven to be mine. This is the second time someone has sold my social on the internet and I have experienced identity theft but all three credit bureaus have allowed them to add such negative information. This makes XXXX, Transunion, XXXX an accessory and conspiracy to racketeering.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting information on my account without proper consent. See attachment.
Product: Debt collection

I recently on XX/XX/XXXX noticed a collection ton was added to my credit report for XXXX. 
By a contract callers inc. 
Looks like they bought an old unverified debt that was deleted from my report 2 years ago and now they re aged it to look like it was recent on my report it says XX/XX/XXXX.
Product: Credit card or prepaid card

XX/XX/2019

CFPB

Complain about misuse of power.

I was offered Credit Card from XXXX XXXX XXXX,  15. monthno interest and US $ XXXX.- ,
limit.

Inthe process the employer for XXXX  ,he ask me about where he will be able ti send me Cash Advance money, with 3 % charge. ask if I have some CC , ask I admitted in Wells Fargo, have been with the card for 10 years, but are not using that because of 24 % interest. I have ask for lower the interest and been cut off. Therefor is account with US $ XXXX. limit not used in Wells Fargo,

The next thing I know is there is Cash Advance from XXXX in my Well Fargo account for US $ XXXX.-, and i talk with Wells Fargo ask them to transfer this money to my saving or checking account. they say all money taking out from this CC will be on 8 % cash advance cost. even as this are not their money,  WF ask me to talk with XXXX  and ask them to instruct me to talk with XXXX  as I did, and they denial any further transfer.

Now this amount sit in the Wells Fargo, and I can use this for normal buying, but not with any other use.

I am ready to return this money to XXXX  and cancel the card. But I are stuck.

Kindly give my advice. to do.

Thanks

XXXX XXXX
XXXX XXXX XXXX XXXX, AL XXXX
XXXX
Product: Credit reporting or other personal consumer reports

According to IRS guidelines, canceled debt or charge-offs are considered gross income. However, under the Fair Credit Reporting Act, consumer reporting agencies must ensure maximum accuracy in reported information. If a charge-off is inaccurately reported, it can impact a consumer 's creditworthiness. Consumers have the right to dispute inaccuracies and request corrections to maintain truthful credit reports. While canceled debt may be treated as income by the IRS, the accuracy of charge-off entries must be verified to protect consumers from financial harm.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed these fraudulent inquiries on my XXXX and Equifax credit reports and I've disputed them several times with the companies and XXXX and Equifax and they are still stating these are mine without properly verifying. Please remove the following fraudulent inquiries immediately, thank you. 

Hard Inquiry Date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: 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 corrected 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute in regards to the, incorrect files on my credit report and it's well over 30 days and I haven't received any investigation results.
Product: Debt collection

Hello I have been trying to resolve a matter with SOURCE RECEIVABLES MNG for Months. before this Company put this on my Credit Reports. this debt was disputed off my credit and Removed. Months later this Company purchased the debt from the original Collection Agency and then put it on my Credit reports. so I have been going back and forth trying to get this removed. its causing me stress and pain from getting approved for a Home. it was put on my reports XX/XX/2017. If I could get this removed, i would gladly appreciate it.
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX XXXX  and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good fait
h pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Credit card

On XX/XX/XXXX, {$5.00} was charged on my account bringing the balance to {$140.00}. The due date was XX/XX/XXXX. I pad the account in full XXXX ( {$140.00} ), bringing my account to XXXX. I was notified by the company that the payment was received and that I paid my account in full and that I had a XXXX balance. On XX/XX/XXXX, I was notified that I owed {$5.00} and that I was late because there was an interest charge of {$2.00} on XXXX XXXX I never received notice of this. I called the company and they explained that they charged the {$2.00} on XX/XX/XXXX. If that was true, then that interest was paid on XX/XX/XXXX. I was told to submit a complaint to the XXXX XXXX XXXX I did that and they said the same thing. s well as saying that I had to make 2 consecutive payments. I made 8 consecutive, always on time and always for much more than I owed and paid this bill off early. 

I paid the XXXX XXXX I was on the call with the company so ii would not get any more charges, despte feeling that I did not owe this but i did not want my credit ruined.
Product: Credit reporting or other personal consumer reports

I just viewed my recent Equifax credit report and noticed that the following information is reporting inaccurate. XXXX XXXX XXXX  XXXX account # XXXX. I have no documentation stating that I owe them anything. I feel this was fraudulently added to my credit report.
Product: Debt collection

I pen this letter with an overwhelming mix of distress and anger that any person in my situation would feel. I am utterly appalled by the shocking and unjust refusal of my identity theft claims by your bureau, despite the fact that I have provided concrete evidence in the form of both an FTC and a police report. Let 's not mince words here : the fact that you have chosen to ignore my legitimate claims is not only infuriating but also an affront to justice. I have been victimized by identity theft, and the toll it has taken on my life, my financial stability, and my emotional well-being is immeasurable. 
The Federal Trade Commission ( FTC ) and law enforcement agencies have recognized the validity of my claims. I have taken every possible step to follow the proper procedures, and it is inconceivable that your bureau continues to ignore the law and my rights as a victim of identity theft. 
This is the account that I need to be removed : XXXX XXXX XXXX I expect a written acknowledgment of this dispute letter and an immediate commitment to investigate my identity theft claims with the urgency and seriousness they warrant.
Product: Mortgage

Bank of America has inaccurate information listed as these accounts were short sold and paid as agreed. Please see attached. I am requesting assistance in this matter. I feel they are also coded incorrectly with all XXXX credit agencies from BOA data
Product: Credit card or prepaid card

This complaint is related to dispute XXXX. I dont understand how could this dispute was closed in merchant favor and I had to submit a rebuttal statement. In all my past experiences with capital one credit card, I dont think Ive ever won a single dispute. It always closed on me on 1st initial round of dispute. And then I had to go through the rebuttal rounds to get the money back. Btw, this dispute is related to a package of returned merchandise. The tracking number is XXXX. 
I got a charge back since merchant says I only returned 2 items out of 3. 
# 1, how could customer return a XXXX lbs package that only has 2 tishirts. 
# 2, Isnt credit card company only needing a tracking number for issueing a credit? but capital one declined my complete claim. 
Also, capital one as an online bank, it doesnt allow customer to write to capital one online, and it only accepts a customer statement by fax or by a secured link, and the secure link doesnt accept any screenshot in png format and it has a total upload limit of 10mb. It is ton of hassle to file a {$30.00} dispute. I always have to print out a statement and then scan and then upload to capital one secure link, and sometimes it fails either by connection or due to its size limit for each domucent of 2mb. And one more, capital ones transaction support call center is probably located in XXXX, and customers have to scream to make themselves heard. All those things add up and successfully depressed customers to dispute, especially the amount is small. 
Because of all those hassle of dispute system, its a lot of burden for customers and I think capital does this intentionally to depress disputes. 
CFPB, Id suggest you start an audit to see how many credit card disputes that capital one has declined. Is it true that capital trying to depress dispute and doesnt allow customer to communicate smoothly? Also, CFPB, please consider regulate online banking to set up an online dispute center that has certain requirements for mandate online channel to communicate. It makes no sense for a national online bank doesnt have a way to initiate a dispute online and provide customer case statement/ brief directly to an online bank. The online bank is then a handicapped online bank since it overpowers the bank and under powers customers power online. 
One last note, I have to compliment XXXX XXXX XXXX, which gives customer much more covinient ways to dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this account on my credit report for many years. 

This account has passed the 30 days period for dispute results many times. 

This account should be removed immediately. Experian is the only credit reporting agency that has NOT removed this account. 

Account Name : XX/XX/XXXX Account Number : XXXX Please remove account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I signed up for XXXX XXXX XXXXl on XXXX after receiving a letter in the mail for a debt consolidation. I was told they could consolidate the debt over {$50000.00}. I signed up for a 2 year program. I completed the program in 2 years paid over {$55000.00} to XXXX XXXX & my creditors, but the accounts were suppose to be a paid for delete and all of the accounts except 2 accounts are still on my credit report. I'll upload the paperwork that I have from XXXX XXXX XXXX. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

The three major credit bureaus are reporting a bankruptcy on my file that needs to be removed. This bankruptcy is well past the credit reporting limit however, it continues to report. I have sent in disputes previously regarding this bankruptcy and it remains on my credit. Under the FCRA the limit to report any negative item is 7 years and my bankruptcy is a lot older than that. This needs to be removed so I can move forward with my financing.
Product: Mortgage

On XX/XX/XXXX, I was contacted by an employee of the Iowa Bankers Mortgage Corporation about my VA XXXX loan that I requested a forebearence on in XXXX, XXXX. I submitted a complaint in XXXX, XXXX because I had continued to receive threatening mailings from Iowa Bankers Mortgage Corporation that stated my loan was delinquent and that I may be foreclosed on if I didn't act. The mailings also showed the corporation charging me late fees for my forebearence. I am unclear why I was called about this but it seemed to be about the collection of a debt though that was never told to me. I was also asked personal information about my financial situation and my and my plans moving forward. Since my forebearence was granted by the CARES act, I don't believe any of these questions or the phone call itself was legal or appropriate. I believe it was an attempt to intimidate me for having exercised my rights as a consumer to make a complaint about their corporation. The phone call ended when I agreed to receive another phone call next month from a debt collector to assess whether or not I still need a forebearence. Overall, the tone of the phone call was condescending, intimidating, and rude.
Product: Credit reporting, credit repair services, or other personal consumer reports

( XXXX XXXX XXXX XXXX  ) can not be validated. However, Equifax currently reports XXXX XXXX XXXX XXXX  as updated and verified. A violation. Back in XXXX of 2020 I sent XXXX XXXX XXXX XXXX a validation request. As of today XX/XX/2020 I have not received a response letter.
Product: Credit reporting or other personal consumer reports

Experian has several fraudulent and unauthorized inquiries on my credit report. Ive made several unsuccessful attempts to get the items removed. The inquiries are : 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 reporting

I have a collection of {$2000.00} showing on my credit report. This collection belong to a person with a different name ( although similar ) on it and has no SSN ( I have a SSN ). What I 've learned is that person is even of an opposite sex. I disputed twice for it on Equifax , waiting for almost 2 months but never get it resolved. It should be a simple issue but I was so disappointed about the result.
Product: Checking or savings account

My account was frozen with no warning, cause or reason. I have recently been attempting to inquire the reason for this closure and they explain it was as a result of an attempted forgery. I reported the identity theft to them and they will not allow me to open another account, this is the bank that i conduct most my operations with and would like the option to reopen a relationship.
Product: Debt collection

I was contacted by XXXX XXXX from Hillcrest, Davidson, & Associates from ph.XXXX. He asked if I knew XXXX XXXX ( my Mother ). I told him, yes she is my Mother. He stated I need to get in touch with her about a debt owed by her and XXXX XXXX XXXX. I told him that I was n't in my office right now and asked if he could call me back with his number and I would give it to her and tell her he called. I do not give out people 's number over the phone. XXXX called me back and gave me his office number and his cell to give to my Mother. I called my Mother when I got off work and advised her of this company and to call XXXX back. Apparently my Mother did not call back and I have received at least 10 calls since this time and I have been told that they will not stop until I give them my Mother 's phone number. I told them I am not the person you are trying to contact. Please stop calling me on many of occasions and they have said no. They will continue to call me until I give them what they want. XXXX has stated if I do n't give them what he wants, he will pass my number out to every agent he has and they will all continue to call me. I have written down every call and a brief narrative on each call. I just want this to stop. Apparently they do n't understand this is not my issue. Today I was told we will go to the next level. Sounds like a threat to me. I can get my cell phone records if needed.
Product: Debt collection

LVNV FUNDING LLC OPENED : XXXX XXXX AMOUNT stated to be owed : XXXX 
I have been a victim of identity theft for some time now. I had no knowledge on what to do or who to contact about the items that were appearing on my credit report. However, someone have come along and told me to follow the steps with FTC and CFPB so here I am I hope to get good results from filing this complaint. This item has been negatively impacting my life and my credit file from job opportunities to living opportunities in general.