23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

Unfortunately Bank of America does not care about their customers! I contacted customer service today because they sent me the wrong debit card. I ordered the XXXX White Sox affinity debit card, and selected it online when I opened my account. The customer service rep XXXX fixed it to the white sox card and when I asked him to overnight me a new card he said there would be a {$15.00} fee, I asked him to waive it since it was Bank of America 's fault, he refused. I asked him to explain the situation to his supervisor and see if she could waive the fee. He came back and said his supervisor XXXX XXXX denied the request, refused to give me her first name or either of their employee ID numbers. Completely unacceptable! I guess this is how Bank of America treats their customers! Now I have to wait 5-7 days before I can have access to my money, and they wo n't take care of a customer over {$15.00}??? TERRIBLE BANK! I am thinking of switching and going elsewhere, why should I stay with a bank that is n't there for their customers?? I would like to have a {$15.00} credit placed in my checking account since I ca n't access my funds for 5 -7 days I think that 's fair. I have already posted social media as well and will be writing a personal email to the CEO and VP of Bank of America on how terrible their customer service department is. That supervisor XXXX XXXX should immediately be terminated for allowing this type of behavior be be conducted by her associates.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had my identity stolen ( Police Report # XXXX ) and am trying to challenge a collection on my report I do not recognize and Experian is not allowing me to dispute except over the phone but I can never get past the automatic operator because there is no option for dispute and live chat agent said that is the only way. I am tired of playing games with them and hearing their excuses.
Product: Money transfer, virtual currency, or money service

XX/XX/2023 a phone call to me was made by a scammer posing as a capital one employee stating my account was attacked. They were in my account already telling me about charges that were made. They were able to do a wire to a fake, made up person and capital one did the wire over the phone. The amount of the wire was {$20000.00} dollars sent to a XXXX XXXX at a XXXX  XXXX. THEY TOLD CAPITAL ONE THAT IT WAS TO MY BROTHER. I DO NOT HAVE A BROTHER. This info I got from capital one bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX ; XXXX XXXX ; XXXX  XXXX ; XXXX XXXX  XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$300.00} ; XXXX  XXXX  ( Original Creditor : XXXX AT XXXX ) XXXX XXXX : {$760.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$290.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance XXXX {$660.00} ; Medical ( Original Creditor : ) XXXX Balance : {$240.00} ; XXXX XX/XX/XXXX ; XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX  XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the late payments on this US DEPT OF ED/XXXX  XXXX account for months. XXXX and XXXX have reversed them but Experian is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ),  a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by 5 p.m. on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by 5 p.m. on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Re : Acct XXXX XXXX {$3900.00} To Whom It May Concern : This letter is being sent to you in response to your recent letter. This is not a refusal to pay, but a notice that your claim is disputed.

Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, the date of the alleged medical service, the name of the patient, and proof that there is some contractual obligation which is binding on me to pay this debt.

Please attach copies of : Any agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment, and authorization under subtitle D of the ARRA, SEC. 13401. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY.

The term breach of security means, with respect to unsecured PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual. 
Please note that enforcement of penalties against you is covered under the penalty rules of the Omnibus Final Rule effective XX/XX/XXXX interpreting and implementing various provisions of the XXXX XXXX XXXX for Economic and Clinical Health Act of XXXX ( HITECH Act ) as issued XX/XX/XXXX and the penalty rules of the FCRA and FACTA including FACT Act changes final rules effective XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Here is the list of fraudulent inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX reverse late payment fee for late payment of XX/XX/2021, I explain to XXXX  this is an app issue and my bank account was disconnected and thats the reason for the late payment.. according to 15 USC 1681 602A states I have the right to privacy 15 USC 1681 section 604A it also states a consumer reporting agency can not Furnish account without my written instructions 15 USC 1666A a creditor may not treat a payment on accounts under an open end consumer credit plan as late for any purpose. Attach is the email stating they reverse my late payment fee as well also on XXXX its being reported as XX/XX/2021 Equifax its being reported XX/XX/2021 this information is all inaccurate this is a Violation of my federally protected consumer rights
Product: Debt collection

I called Harvard collection agency asking about the debt amount of XXXX to Illinois department of human service.They stated that the debt was old but harvard had received the debt since XXXX of XXXX I informed Harvard collection agency that I have not lived in the state of Illinois since XXXX and the agent told me there was no status of limitation on government debt I stated I would be fling a dispute which I have done with XXXX.Havard collection has done nothing and refuse to remove this old debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. This account violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.XXXX XXXX XXXX Open Date XX/XX/2010 Balance : {$7200.00}. 15 U.S.C 1681 section 602 A. States I have the right to privacy. In 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 of 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 have these items that are not mine and i want them to be removed. 

1. Identity Theft XXXX XXXX XXXX  Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine.
Product: Credit card

I 've had multiple credit card accounts with American Express including business. In the last XXXX years of doing business with them never was a bill ever paid late. Due to the financial crisis I was forced to let go of my home causing my credit scores to drop but never the less I chose NOT to file for bankruptcy but RATHER fulfill all my credit obligations. It has been a challenge to increase my credit scores and now American Express dropped my credit limits from {$4200.00} to {$800.00} ( {$800.00} was the outstanding balance on card ) in XXXX card as well as drops to other cards. The impact and something affecting millions of consumers is that I went from XXXX % credit use to XXXX %!!!! maxing out my credit and consequently making my credit scores drop immediately. This is not the first time it has happened it happened once previously with American Express and once with XXXX. I think this is an unethical practice by credit companies to hurt the credit of good standing and paying customers there is absolutely no record of late payments on any of my credit accounts. I now questioned if I should 've file for bankruptcy instead to get new start. I contacted credit company and all they told me was that I should try and apply for credit increase which is nonsense. I have since closed all my accounts with American Express and contacted their XXXX offices where I was told I had to apply for an increase of credit and there was no guarantee that I would get the same limit. Clearly showed I was not treated as a loyal customer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Failure to perform a proper investigation. I have submitted many dispute letters online and through the mail. I have provided them with proof directly from the credit report.They continue to report information that is inaccurate as accurate.This is a direct violation an damaging to my credit. 
XXXX XXXX # XXXX. 
XXXX XXXX XXXX # XXXX & XXXX. 
XXXX XXXXXXXX XXXX XXXX  # XXXX. 
XXXX XXXX XXXXXXXX # XXXX. 
XXXX XXXX XXXX # XXXX.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. 
Please remove these accounts from my report. They are hurting my ability to obtain credit. I do not recognize these accounts and did not authorize them. They are reported by third party.
Product: Credit reporting or other personal consumer reports

The XXXX account was never late. Reporting on XXXX and Transunion credit reporting needs to either reflect the account as PAID/NEVER LATE or REMOVE the account from the credit reports. 

Account info XXXX Account number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, Trans Union or XXXX respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX  XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Product: Debt collection

As a consumer, I am well aware of my rights. Therefore, I will clearly outline your ( Portfolio Recovery Associates ) repeated violations of 15 USC 1692c Violations XX/XX/XXXX First complaint submitted to the CFPB w/ Cease and Desist. 
No resolution ; Continued communication XX/XX/XXXX Second complaint with Cease and Desist XX/XX/XXXX 4 letters received from Portfolio Associates LLC to my address XX/XX/XXXX 4 letters received from Portfolio Associates LLC to my address XXXX Third complaint submitted to the CFPB with 3rd Cease and Desist XX/XX/XXXX 4 letters received from Portfolio Recovery Associates A total of 16 correspondences received after Cease and Desist. See previous CFPB complaints for documentation.

Portfolio Recovery Associates never had permission to contact me, yet I continue to receive correspondence at the most inconvenient times, repeatedly. PRA has also confirmed receipt of 3 Cease and Desists by responding the correspondence, in which the Cease and Desist was included. I have spent countless hours responding to these non-factual and misleading responses from PRA. Additionally, this has caused substantial economic injury. 

For your reference : 805. Communication in connection with debt collection ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt -- ( 1 ) at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, a debt collector shall assume that the convenient time for communicating with a consumer is after XXXX o'clock antemeridian and before XXXX o'clock postmeridian, local time at the consumer 's location ; ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt.
Product: Credit reporting or other personal consumer reports

I purchased a phone through a XXXX partner store, I then returned it within the XXXX free returns, they took the phone and gave a return statement. XXXX sent me a bill for the full value of the phone, and after contacting several times would not remove the bill, The partner store XXXX cellular in XXXX has not been helpful either went to the store several times in person and they did not resolve the issue.
Product: Checking or savings account

On XX/XX/, at XXXX XXXX, I received a notification from Chime that there was a pending charge for {$2200.00} via my debit card at XXXX XXXX store # XXXX in XXXX, WA, and the money was removed from my account. I am in XXXX, California, not Washington, and my debit card was still in my wallet. I have never been to a XXXX XXXX in my life. I called the store, who told me to call my bank and file a police report. I called Chime to file a dispute under their Visa liability policy and they said since the transaction was still pending, there was nothing they could do until it either expired or settled. I filed a police report with the XXXX Police Department. I called XXXX XXXX back, and I gave Loss Prevention the case number from the police. I also called Chime to give them the case number. Once being transferred to a supervisor, she said they could not take a case number until the transaction was no longer pending. The next morning, my Chime app said the {$2200.00} was still in the pending phase, meaning my bank could do nothing. So I called XXXX XXXX customer service to see if there was anything they could do. They created their own case number for me and they were able to look at the receipt and see that it was three XXXX XXXX money orders that were purchased. I called the store location and let them know this, to which they were able to tell me the purchase numbers for the money order. I called XXXX XXXX and told them about the fraudulent money orders and they put in a request for a stop on the money orders, as well as created a case number. The transaction was still in pending, but I called my bank back and Chime told me the amount was now settled, despite it saying pending in my app, which meant I could follow through with the dispute. I was transferred to dispute who then transferred me to Members Services who then told me they could not dispute this claim, despite Chime having the Visa liability policy, and I would need to request a refund from the merchant. I asked why and they could not give me a clear explanation. I asked for a supervisor, and was put on hold and then hung up on. I filed a dispute anyways via my Chime app but at this point and time, my money has not been returned, nor have I been given a credit to cover the missing funds, which is what is promised under the Visa liability policy Chime has in place.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- AUTO ACCOUNT 2. XXXX XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX  out of XXXX  of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, Tn XXXX XXXX I hope this letter finds you well. I am writing to bring to your attention a matter concerning Section 1681s-3 of the Fair Credit Reporting Act ( FCRA ) and to request your compliance with the obligations outlined within this section. 
The 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of 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.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! In light of the above, I kindly request that you review the reporting of late payments associated with my credit file and take the necessary steps to rectify any inaccuracies or incompleteness in accordance with 15 U.S. Code 1681a ( 2 ) ( A ) of the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these items. 

XXXXXXXX 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 XXXXXXXX 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