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

This issue is with Bank of America Back prepaid, in XX/XX/XXXX I filed a fraud claim regarding fraudulent charges on my debit card and the claim # XXXX, after filing this claim I was told by the representative that I should get my new debit card in 5 to 7 business days, this days passed I didn't get no debit card so I called bank of america to find out why I have not received my debit card, the debit card was never ordered representative told me but there are new charges happened on that debit card that I was told was never ordered and that card number was XXXX and claim was opened claim number XXXX. After a while I received a letter from Bank of American prepaid on XX/XX/XXXX for claim # XXXX stating the Bank of American completed the investigation in my favor and the previously issued credit is now permanent that's on the letter and On XX/XX/XXXX I got a letter from Bank of American prepaid for the 1st claim XXXX and the letter says we have completed an additional review of your case and concluded that our original decision was correct no posting error has occurred on you accound. So claim XXXX 1st letter said claim in my favor and credit is permanent after 10 months later i get the 2nd letter on that same claim XXXX saying claim denied. 2nd claim XXXX 1st letter says claim is in my favor and after 6 months later XX/XX/XXXX I get the 2nd letter saying the claim is denied. so claim XXXX 1st letter says decision in my favor the credit is permanent and 6 month later I get the 2nd letter saying claim XXXX denied.
Product: Money transfer, virtual currency, or money service

Paypal deposits daily XXXX XXXX 11 months. Only to be denied all ise of paypal funds. As i contiue to watxh 3rd party complanies as Venmo, And transfer company moving funds that i am told are unaceesible or unavaible. I have thosuamd of proof
Product: Debt collection

I have yet to receive a letter for validation from Collection Management Services. I want to make XXXX aware that a billing statement does not prove that I owe on the alleged debt. I am challenging XXXX to prove that the organization has rendered any services or compensation to which the company may lawfully collect. Where is the agreement to prove this matter? XXXXXXXX XXXX failure to prove this matter is considered false representation under 15 USC 1692e ( 2 ) ( B ) of the FDCPA and subject to fines under 15 USC 1692k. Again, if you all fail to produce an agreement that authorizes you to collect the debt, this considered unfair practices pursuant to 15 USC 1692f ( 1 ) and subject to fines under 15 USC 1692k. XXXX is the name on my consumer report. I want XXXX to be aware of what 15 USC 1692j ( a ) says. It states that it is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. Under the penalty of perjury, did you purchase the alleged debt? Why is XXXX on the report? I demand Collection Management Services and/or XXXX XXXX Management Services to cease and desist all forms of communication pursuant to 15 USC 1692c ( c ). XXXXXXXX XXXX failure to comply to the FDCPA will be challenged pursuant to 15 USC 1692k.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 I applied for a personal loan with XXXX since they stated they were going to pull my XXXX credit report. Every time I have pulled my XXXX credit report it shows a score of XXXX with no delinquencies which is consistent with what was ruled by an elected Texas Judge last month. When I got the response from XXXX they stated my XXXX score was showing delinquencies and a score at XXXX because of defaulted debt. I filed a complaint over a month ago to make sure they information I was receiving was the same they were sending to lending companies. This shows that is NOT the case.
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  Account Number XXXX and XXXX XXXX Account Number XXXX has violated my consumer 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 : 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: Credit reporting, credit repair services, or other personal consumer reports

I AM A VICTIM OF FINANCIAL IDENTITY THEFT. I SENT COPIES OF MY OFFICIAL POLICE REPORT AND DISPUTE LETTERS OF THESE ACCOUNTS BY CERTIFIED MAIL SEVERAL TIMES TO THE CREDIT REPORTING AGENCIES, HOWEVER THE ACCOUNTS ARE STILL REPORTING WITH NO DELETION OF THESE FRAUDULENT ACCOUNTS. ACCORDING TO THE FAIR CREDIT REPORTING ACT I HAVE RIGHTS UNDER 15 USC 1681 THAT HAVE BEEN VIOLATED. THESE ACCOUNTS LISTED BELOW HAVE VIOLATED THE FOLLOWING LAWS LISTED BELOW XXXX XXXX CT IL XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX CT IL XXXX # XXXX XXXX XXXXXXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX  # XXXX 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 : states a consumer reporting agency can not furnish an account without my written instruction. 

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, 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 or has reasonable cause to believe the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the following information in my file. There's an unauthorized credit inquiry made by XXXX XXXX XXXX on XX/XX/2022. To my knowledge, I have not signed any documents authorizing the company in question to view my credit report. The listed inquiry was without authorization, and for no legitimate business purpose. As such, it is a very serious error in reporting. I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act, section 604 as well as a violation of my rights to privacy. I am requesting your credit bureau to initiate an investigation, please and to determine responsible parties in this unauthorized credit inquiry. As part of your investigation, please send names, business addresses, and phone numbers of those who made unauthorized credit inquiries so I may contact them directly. In addition, I respectfully request a copy of any documents authorizing credit inquiry, and signed on my behalf, so that I may verify this validity.

If you find that I was not one who authorized this inquiry, I ask that it be removed IMMEDIATELY from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. If you find that I am in error, them please send me proof of this. Your immediate attention to this matter is appreciated!
Product: Checking or savings account

Hello, In XX/XX/year>, I was scammed out of my savings and checking accounts. The person who said to call him, XXXX, pretended to be a XXXX representative and told me I had taken {$30000.00} out of their account and I needed to replace it immediately. 

They told me to go to the bank and gave me a story to tell the bank manager who would then wire them my money. 

At the bank, XXXX, the bank manager, after hearing the tale they told me to say, stood and as he walked out of his office said, " This sounds like a scam, but it's your money. '' He did not explain why he believed this to be fraud. 

Scams are a multi-billion-dollar industry. I believe the banking industry must explain why something sounds like a scam in order to protect their depositors. I am XXXX. I am unaccustomed to being scammed. 

Is it possible for you to help me get my {$38000.00} back from the bank that allowed me to be defrauded. Any help, advice you can provide, will be appreciated. 

Thank you XXXX XXXX XXXX XXXXXXXX XXXX 
XXXX, XXXX XXXX
Product: Debt collection

Agreed amount paid to settle debt with stipulation that updated reporting would be done to XXXX major credit bureaus. Debt paid but reporting not made to XXXX major credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am distressed that you have included the below information in my credit profile and 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. 

Therefore the following information needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible
Product: Credit reporting, credit repair services, or other personal consumer reports

I started working on my credit report in XX/XX/XXXX and sent updates to each bureau and I seen XXXX XXXX, equifax, some of the changes but all of the changes was not corrected. I have not receive any changes or updates from the other credit bureau. Please help me fixed this. I recently got married so mu name has changed from XXXX to XXXX.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block Inc ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
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 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 or other personal consumer reports

I woke up this morning to find inaccurate accounts on my credit report, and I have no clue why this is happening. I checked it like I always do, but suddenly, there were discrepancies that came out of nowhere. I even tried refreshing my browser, hoping it was a glitch, but the inaccurate accounts didn't disappear. I'm requesting a thorough review of the documents I've sent to ensure this issue is resolved once and for all.
Product: Mortgage

I have had an ongoing issue with Santander since the beginning of our 7 year relationship. However, the most recent being that I finally gave up on them and sold my home. I closed on XXXX. I asked for an " accounting '' of fees I was charged. This proved to be to much for Santander. I was told " oh we found {$400.00} we owe you and they sent me a check for that but that made me even more concerned about charges. I asked for a full accounting and was given the run around for several weeks. Finally someone got back to me and it was to tell me they do n't have to show me their attorney invoices because they are protected under attorney client ... .well if it was for work they supposedly did for my property I would think that would n't fall in that category. Also, why did it take months for someone to say that. They are HORRIBLE at customer service and could not prove all of the " fees '' that were taken from me. I am owed a refund.
Product: Student loan

I had a private student loan issued by XXXX XXXX XXXX in about XXXX to attend XXXX XXXX University in XXXX, MD. After graduating from college I had some difficulty repaying that loan and in turn XXXX sold the loan to a collection agency. Once the loan went into collections I made arrangements with the debt collector and have been making on time payment in full as scheduled. My complaint is that these payments are not being reported to the credit bureaus.
Product: Checking or savings account

2 months ago, I had unfortunately fallen for a loan scammer, who I ended up giving my bank login info in return for false promises. Bank of America recognized that it was a scam, and shut down my account and froze all my funds. I was told that my account won't be completely closed until XX/XX/XXXX. The false claims the scammer placed on my account, along with the scammer attempting to place fake checks in my account and everything else that needed to be taken care of was already cleared during the month of XXXX. So they would have no reason to not release my funds to me. However, yesterday I found out that for some reason they pushed back my account closure date to XX/XX/XXXX ( today ). I called today to make sure it was completely closed, however customer service said they pushed it 2 more days to XX/XX/XXXX ( this Thursday ), because of " account activity '' regarding someone unsuccessfully attempting to take funds out of my account. Luckily, the scammer wasn't able to take any funds for me. However, it's not fair that I am being treated like I'm the scammer.I would like my account to be completely closed, so that they can send my remaining funds via paper check in the mail. I have waited 2 months for my funds to be released. There should be no reason for them to remain holding my funds to me. This whole situation has impacted me emotionally, and has caused tremendous stress and XXXX on my life financially
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to both XXXX and XXXX XXXX by email and phone calls about the attempts to pull my credit on XXXX/XXXX, XXXX/XXXX/, and XXXX/XXXX. Emails were sent on XXXX/XXXX. Follow up calls were made XXXX/XXXX-XXXX/XXXX.  I explained that I am a victim of identify theft and that is why I have a fraud alert and security freeze. That neither of those companies followed the process of calling me on my cell phone and asking the additional security questions that they are required to follow.
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. 
Account Name : XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 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 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: Credit reporting, credit repair services, or other personal consumer reports

I submitted a fraudlanlent invstigation on XXXX  XXXX account. I called XXXX  XXXX and reported it they stated the account balance is currnet a XXXX. So I report the fruadulant complaint to all creodt bureaus and the credit Bureau XXXX Equifax, XXXX  and XXXX  chnage the balcnae to maximum XXXX out of a XXXX credit limit because. XXXX  XXXX stated the account balance was XXXX in XX/XX/2020 and {$0.00} XXXX since XX/XX/2020. However, Equifax and XXXX  change the balance from {$0.00} blance to XXXX on XX/XX/XXXX after I requested an investigation. I shouldn't be placed with inacurate balances to decrease my score by XXXX points related to an investigation. I have a balance letter from XXXX XXXX stating {$0.00} balance
Product: Mortgage

The regulatory complaints team that represents the Home Equity Line of Credit application from my lender is failing to do their due diligence concerning my application. Their whole argument rest on information which they asked of a TransUnion consumer rating agency service recommendation. Is the bank too lazy to do their own job correctly? When I reported the death of my spouse, the bank promptly stopped automatic money transfers from my joint account, thereby triggering a delinquency as stated in the XXXX report. The bank goes further to perpetuate their own incompetence by inferring that the agency 's reporting played no part in their decision. But to the discredit to their own inability to give an example to what specifically they found ... They say we are unable to supply specific reasons for their decision. 
I have had only XXXX payment delinquent. I have paid cash for most of my purchases with just a few charges to my credit card. Since my spouse died I have refrained from using any credit that was in both our names to prove I have changed to a single person status. My belief is this example of unlawful discrimination is based on arguments I have had with personnel at the loan processing center at the bank. This person is on record as being rude on the phone with me as a consumer, and I question whether his personal feelings attributed to the denial in assessing the loan. His name is XXXX, XXXX # XXXX, because he has not investigated beyond looking at a simple credit score. I do n't know what they pay him for if not to due an investigation of assets that I have, which total over XXXX. 
The regulatory complaints team headed by XXXX of Bank of America should be ashamed of the performance they have added to this violation. In a letter finalizing their contact with me they submit XXXX proof of evidence, which was a denial letter written by XXXX. That 's hardly a testimonial, and a lack of due diligence of taking the task of reviewing the findings beyond a cursory information letter, standard practice for an institution that marginalizing the individual and denies the public equal protections under the law.
Product: Debt collection

I have sent multiple debt validation letters to the credit bureaus and the company with the most recent letter dated XX/XX/18. I have received a written response from the company. However, they never provided me with any documentation showing that I owed a debt to them. I have tried to resolve this issue for the last two years with no avail. However, they continue to report incorrect information on my report without adequately responding to my debt validation request.
Product: Credit reporting or other personal consumer reports

Remove this inaccurate account from my credit report, as I did not authorize its creation or use. The attached documents substantiate my claim.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I received a copy of my credit report and found the following items ) to be in error : The High Balance is inaccurate. The following personal information is ( incorrect, inaccurate, incomplete, unverifiable, etc ) Please ( remove/update ) this account from my credit report By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec, 1681 ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report, I also request that you please send notices of corrections to anyone who received my credit report in the past XXXX months. Thank you for your time and help in this matter. Sincerely,
Product: Credit reporting or other personal consumer reports

Incident Description I am filing this report to document the unauthorized use of my personal information and identity, which has resulted in accounts being accessed, created, or reported to credit reporting agencies without my knowledge or consent. Gramm-Leach-Bliley Act ( 15 U.S.C. 6802 ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681b ). Upon reviewing my credit report, I discovered multiple accounts that I did not authorize, or permit to be reported. These accounts are fraudulent and represent misuse of my personal information. Incident DetailsThis account is important on my credit report twice it shows up as cXXXX XXXX XXXX XXXXXXXX it says payment received XXXX original charge off XXXX status so was charged off XXXX XXXX XXXX XXXX XXXX did they open XX/XX/year> the date closed XXXX XXXX  then it shows up Also under XXXX XXXX XXXX XXXX XXXX ( Fair Credit Reporting Act ) Lack of permissible purpose to access or report my data. 3. 15 U.S.C. 1681e ( b ) ( FCRA ) Requirement to ensure accuracy and verification of reported data. Impact of Fraud The unauthorized accounts have : Negatively impacted my credit report and credit score. Resulted in financial harm and reputational risk. these accounts have damaged my creditworthiness and caused undue stress.and stoping me from becoming homeowner Action Requested I am requesting that this report officially document the unauthorized use of my identity and personal information. This report will be submitted to : Credit reporting agencies ( TransUnion, XXXX, and XXXX ) as evidence to remove these fraudulent accounts. Relevant federal agencies such as the FTC and CFPB, if necessary.
Product: Debt collection

I have received numerous calls from a source I know nothing about. The last two calls referred to me as an attorney which I am not. The person who gave his name as XXXX XXXX is saying I have unsettled legal matter with some payday loan company. Twice he referred to me as counselor which I am not. He threatened me with legal action.
Product: Debt collection

Portfolio Recovery XXXX harasses me constantly even though I have asked them to first send me valid documentation of the debt they are saying is mine and after they didn't do that and continued the daily numerous harassment calls I asked them to cease and desist and they have not!! They call several times a day Monday-Sunday and call using different local telephone numbers. The representatives are very rude and threatening. Here lately because I have asked them to stop calling me they still call my phone # but ask now to speak to my spouse.