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

Towards end of XX/XX/2019, was a couple of days late on my BofA, I have kept making payments but they kept adding fees upon fees so my payment was never enough. I talked with several people on the phone and they would not help. So I paid off the account and closed it. However, Bank of America is reporting late payments each month after XX/XX/2019 and still show a balance of {$670.00}. I have no way of accessing this bill and no one will help me. They need to reverse all fees since I paid this off and closed it. Please help, this is very frustrating especially since I paid each month and paid off. 

The only information I have is the bank of america late payment report from XXXX  - attached. Bank of America does not mail paper statements and they do not provide online access to this account because I closed it.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, Al, XXXX SS # XXXX XXXX XX/XX/XXXX XX/XX/XXXX Dear Sir or Madam, I am writing to formally dispute the accuracy of information listed on my credit report. In accordance with the Fair Credit Reporting Act, Section 1681i, I request a reinvestigation and correction of the following information : Name : XXXX XXXX  Account # XXXX Name : XXXX XXXX XXXX Account NumberXXXX Date OpenedXXXX Balance : {$1800.00} Name : XXXX XXXX  Account NumberXXXX Opened:XXXX Name XXXX XXXXXXXX XXXX XXXX  Account NumberXXXX Date Opened : XX/XX/XXXX Balance {$160.00} Name : XXXX XXXX XXXXXXXX XXXX Account NumberXXXX Date OpenedXXXX Balance {$1700.00} I believe these accounts are inaccurate and the information is incomplete Please investigate this matter within the 30-day period as required by law and correct or delete the disputed item from my credit report if it can not be verified. If the item is verified, please provide me with the method of verification as required by the FCRA. 
Thank you for your attention to this matter. I look forward to your prompt response. This information is harming me mentally and financially. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid XXXX XXXX XXXX and still showing not paid after 30 days
Product: Mortgage

I was approved for a modification in XXXX for 40yrs in the amount XXXX a month. This was being paid to XXXX and then it was transferred to Rushmore in XX/XX/XXXX. I was never late with my payments. I received a letter stating I had to reapply since the transfer of servicers took place or pay all the amount I owed on the loan. I am currently sending them my payments which I originally was approved for and my statements shows the amount going into a special account versus lowering my principal. I did send the application they requested along with additional docs although i keep getting calls of the same missing paperwork.
Product: Checking or savings account

I have been trying to withdraw funds from my account but they put a withdrawal restriction on the account since last XXXX ... I filed a previous complaint about this but you refered me to FINRA but after awhile they advised me to submit another complaint with you because the problem is about my right to withdraw funds I deposited to my account
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX XXXX, am acting on my own as a natural person and consumer. There is information on my consumer report that is a result of identity theft. Per 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 the 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! My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions.These companies DO NOT have lawful authority to report these items as it's in VIOLATION of my privacy and these companies are required to have tax documents on file stating they charged items off. Please delete these items listed below IMMEDIATELY! 
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 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 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 XXXXXXXX These identified accounts should not be furnished on my consumer report as they are in VIOLATION ! ! ! Under 15 U.S Code 1681b - Permissible purpose 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 behalf or consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. You are required to do what l am asking of you and delete these accounts listed above. I look forward to your response. Thank you, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

previous case from cfpb won case with no monetary but accounts still present on report, Per the Fcra as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal, non verbal, per 15 usc 6802. 

also remove all non mailable addresses XXXX XXXX XXXX XXXX XXXX XXXX sc XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, AZ XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, SC XXXX current and only address mailable is XXXX XXXX XXXX XXXX XXXX az XXXX please remove and delete from consumer report listed XXXX inaccurate information no account number listed on report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX all these were requested to be removed but have not been updated
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX : I disputed a collection account with Experian, claiming it was illegally created and contains false information. Experian responded with automated letter with little to no information about my dispute. 

XX/XX/XXXX : I requested evidence and documentation of the investigation, but Experian responded only with a copy of my report with no information about my dispute. 

XXXX - XX/XX/XXXX : I requested validation and evidence from the debt collector responsible for the account ; The collection account company did not respond. 

XX/XX/XXXX- XX/XX/XXXX : I again disputed and requested evidence from Experian and again received the same letters as before, with little to no information about my disputes or the investigation that allegedly took place. 

XX/XX/XXXX : I submitted a third request for evidence from Experian and once again received the same automated response letter and then a subsequent letter asking for verifying identification material that had already been submitted with my disputes. 

Basically, whenever I make a dispute on the account reporting false information, Experian does not respond or investigate in compliance with the law.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Collection Account XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) I am filing a complaint regarding an inaccurate collection account reported for XXXX XXXX XXXX, originally from XXXX XXXX, with a balance of {$1200.00}. This entry is unverifiable, and I request its immediate removal from my credit report. 

Key Points : Violation of FCRA : Under the Fair Credit Reporting Act ( FCRA ), credit bureaus are required to report accurate and complete information. This account is unverifiable and should be deleted from my credit file. Equifax has failed to conduct a reasonable investigation into this dispute and has not provided adequate Method of Verification ( MOV ).

Debt Validation : Under the Fair Debt Collection Practices Act ( FDCPA 15 U.S.C. 1692g ), I demand full validation of the debt, including proof of the original agreement, and account statements. If this information can not be provided, the collection account must be removed.

Florida Law : As a Florida resident, I am entitled to protections under the Florida Consumer Collection Practices Act ( FCCPA, Fla. Stat. 559.55 ) and Fla. Stat. 817.566. If this debt is unverifiable, it must be deleted under these state laws.

CARES Act Compliance : This account was reported during the COVID-19 pandemic. If I requested forbearance or hardship accommodations, XXXX XXXX was required to report the account as current. I demand proof of CARES Act compliance.

Resolution : I request the immediate removal of the XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  collection account from my credit report. If Equifax can not verify the accuracy of this account, it must be deleted from my credit file immediately. If not resolved within 15 days, I will take further action through the FTC, CFPB, and Florida Attorney Generals Office.
Product: Credit reporting, credit repair services, or other personal consumer reports

Accounts considered charged off/Collections. These accounts are still on my consumer report and should not be. Wrongfully garnished wages with XXXX XXXX XXXX and I want my money back. Was never given XXXX for any of these debts. I believe these companies are committing tax fraud.
Product: Checking or savings account

I discovered on XXXX.19 that my Citibank checking account had been closed. Not only had the account been closed, but Citibank had been applying a $ XXXX monthly maintenance fee for the last 9 MONTHS on my free checking account. I called Citi the same day & asked for a refund of these fees as it is a free checking account and identified as such on Citis website ( I have screenshots to prove this ). However, the Citibank rep was adamant it was not a free checking account and that a courtesy waiver had been previously applied and had expired, hence the last 9 months of fees. This account has been open for years, has never had monthly maintenance fees, and I was never provided notification of a courtesy waiver placement, the fact that it was temporary, or the fact that it had expired. To claim that an account is not a free checking account when Citis website explicitly calls it that is disingenuous and unacceptable. Citi claimed they notified me by mail, but the letter they referenced only states at some point your account was placed in another banking package and that fees may have been incorrectly charged and could be refunded, not that they would start applying fees!! To suggest that a letter informing me I may be entitled to remediation was instead supposed to serve as notification that Citi would start charging fees makes no sense and is unreasonable. Citi did not provide any documentation as evidence that I was notified of these fees, agreed to these fees, or that my free checking account would now be accruing monthly maintenance fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, shows me owening a debt to XXXX, XXXX, debt is not mind, I have contacted XXXX which states that I DO NOT OWE them a debt. Upon Contacting XXXX, They state that another company has filed on XXXX XXXX behalf.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Bureau stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal You also violated my rights under 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 Also the Credit bureaus took more than 30 days to complete my investigations
Product: Credit reporting or other personal consumer reports

I am writing to formally address a violation of the Fair Credit Reporting Act ( FCRA ) and to highlight specific inaccuracies in how XXXX has reported my account to the credit bureaus XXXX and Equifax. These actions breach FCRA sections 623 ( a ) ( 1 ) ( A ) and 623 ( b ), which require accurate reporting of information and reasonable investigation of disputes. There are several inconsistencies in the reporting of this account, including payment dates, last active dates, and dates being reported. Moreover, the account status was not updated to reflect the payment accurately, as required under FCRA Section 623 ( a ) ( 1 ) ( A ), which mandates that information provided to credit bureaus be accurate and truthful. XXXX has also reported inconsistent and inaccurate information to XXXX and Equifax regarding this account. Specifically, the date " Last Active '' is being reported as XX/XX/XXXX on XXXX, and XX/XX/XXXX on Equifax. Additionally, XXXX reports an " Last Payment '' date of XX/XX/XXXX, while Equifax reports a " Last Payment '' date of XX/XX/XXXX. XXXX has removed the account described, which further proves that Equifax XXXX XXXX have not completed an accurate investigation into this matter. Despite multiple disputes, both credit bureaus continue to report this inaccurate information, indicating XXXX has failed to fulfill its obligations under FCRA Section 623 ( b ), which requires a reasonable investigation of disputes and the correction of errors. These actions have caused significant harm to my financial well-being and creditworthiness. The inaccurate and unfair reporting on my credit profile directly impacts my ability to access financial opportunities and has created unnecessary stress. As a consumer, I have the right under FCRA to dispute any inaccuracies on my credit report and expect them to be corrected.
Product: Credit card

I applied for an American Express Platinum Card and they did not approve my application reason being XXXX  score. Per American Express 10-K Annual Report it states on page 44, Our ability to assess creditworthiness may be impaired if the criteria or models we use to manage our credit risk become less predictive of future losses. And Although we make estimates to provide for credit losses in our outstanding portfolio of loans and receivables, these estimates may not be accurate. In addition, the information we use in managing our credit risk may be inaccurate or incomplete. Although we regularly review our credit exposure to specific clients and counterparties and to specific industries, countries and regions that we believe may present credit concerns, default risk may arise from events or circumstances that are difficult to foresee or detect, such as fraud. We may also fail to receive full information with respect to the credit risks of our customers. In addition, our ability to manage credit risk may be adversely affected by legal or regulatory changes. This means that going off of a XXXX  score can and most likely is inaccurate; and giving me an adverse action : a denial or cancellation of, an increase in any charge for, or a reduction or other adverse or unfavorable change in the terms of coverage or amount of, any insurance, existing or applied for, in connection with the underwriting of insurance ; per 15 USC 1681 ( k ) ( 1 ) ( b ) ( i ). There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer s right to privacy. Which American Express did not do by denying my credit. They violated Section 11 of the Securities Act because they sold my application and the underwriters gave me and adverse action over something they stated was not accurate. Also the Annual Report on page 81 goes into how they are securitizing our accounts and applications. As of XX/XX/XXXX, we maintained our committed, revolving, secured borrowing facility, with a maturity date of XX/XX/XXXX, that gives us the right to sell up to {$3.00} XXXX XXXX  XXXX XXXX XXXX XXXX notes from the American Express Issuance Trust II ( the Charge Trust together with the Lending Trust, the Trusts ). We also maintained our committed, revolving, secured borrowing facility, with a maturity date of XX/XX/XXXX, that gives us the right to sell up to {$2.00} XXXX face amount of eligible XXXX certificates from the XXXX XXXX. Here is another example of my security being sold and I am not getting all of the interest off of it and never credited my account from the dividend payment that they made off of my treasury coupon per the Electronic Funds Transfer Act. All of this is to prove that American Express has violated my public interest rights and security rights ; and needs to immediately reverse my denial and provide me with what is owed to me because I am the one who gave them the security to gain interest, and they have cut me out and not given me what is due.
Product: Debt collection

they put on my credit report that I owe {$600.00} for an account I never had
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Transunion on XXXX to retrieve a copy of my Transunion report and they advised me that they could not send a copy of my credit report until I sent in a copy of a utility bill on file with my photo id. I am attaching the letter I sent Transunion along with my driver 's license and utility bill with a request to update my address and remove all other others listed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a notice from TransUnion, dated XXXX XXXX. I received the notice XXXX XXXX. The notice said my credit score had a negative item. The notice said I could call this phone number ( XXXX XXXX ) to find out what the negative item was. That phone number is 'not valid in my location '. 
I tried going to the online address that was on the notice to view the information and was n't allowed. TransUnion wo n't allow me to set up an account -after I gave all the necessary information. TransUnion wo n't allow me to view the negative information.
Product: Credit card

I had a promotional APR of 0 % for 18 months on my chase credit card. The promotional APR ended on XXXX/XXXX/2017. When the promotion ended, I had a balance of XXXX, so I was charged a daily interest on the XXXX balance. I called chase and asked XXXX ( customer service representative ) how is my interest charge calculate. I was told that the promotion ended on XXXX/XXXX/2017 and from that day on, they take the APR divided it by 365 and apply that percent to my daily balance until I pay off the balance. However, he said I also pay interest on daily purchases. I did the calculation and the system calculated the interest charges correctly but the customer service representative was trying to convince me that If I made a new purchase of {$50.00} on XXXX, I start paying daily interest on the {$50.00} on XXXX XXXX until I payoff the full amount. I was very confused with this because if I make a purchase on XXXX, I have a until my account cycles XXXX and I should not be paying daily interest on the {$50.00}. If I do not pay the {$50.00} before my due date than the daily interest charges can be put on my account for the {$50.00}. 
Foreign transaction fees for airfare purchased on a website. The payment was made to XXXX XXXX.
Product: Student loan

I was granted a bankruptcy discharge, but Navient continues to collect. The student loan was not for tuition or books ( I had federal grants covering those amounts ) and I believe that excuses me from filing the adversary proceedings following discharge. I've gotten nowhere with Navient, the representatives I've spoken to have insisted that student loans are not discharged in bankruptcy. I then ask to be transferred to their legal department and they have said that it doesn't exist.
Product: Credit reporting or other personal consumer reports

XXXX was sent a dispute letter XXXX weeks ago XX/XX/2024. I have not received any notice they they are to provide to me once they have received the dispute. I am resending the letter once again that was sent on the XXXX of XXXX. This dispute is to resolve all the inaccurate information on my report and follow XXXX XXXX guidelines. 



15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 2 ) Prompt notice of dispute to furnisher of information ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller.
Product: Money transfer, virtual currency, or money service

Scam was originally reported in ID # XXXX and XXXX the second report was on one of the two banks involved in this scam, XXXX XXXX XXXX XXXX. This complaint is related to the 2nd bank, XXXX XXXX XXXX XXXX XXXXXXXX Web Page : XXXX  but new information has surfaced as a result of the investigation. The funds were transferred to two other domestic banks from XXXX XXXX  and I have been in touch with the Fraud dept at XXXX and they provided the following information via email : Truist Data Risk Classification : [ XXXX ] XXXX XXXX : You are correct that Federal regulations prohibit banks from sharing customer information with other than the customer. Regulations also require us to provide certain information to law enforcement, which has occurred. The majority of the funds you erroneously wired to XXXX, {$120000.00}, was withdrawn through XXXX wire transfers on XX/XX/XXXX : First Citizens Bank XXXX XXXX XXXX for the benefit of XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC 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 XXXXXXXX for {$75000.00} The remainder of your wired funds were withdrawn through XXXX XXXX transactions. XXXX attempted to recover the two wires by issuing wire recalls, however, by the time XXXX was notified of the fraud and subsequently issued the wire recalls, the funds had been depleted from the receiving accounts as the above banks. XXXX XXXX. Small XXXX Vice President | XXXX Financial Crimes XXXX XXXX XXXX  XXXX XXXX | Mail XXXX XXXX XXXX, NC XXXX XXXX : ( XXXX ) XXXX | XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a credit card with XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX. All payments were paid as agreed every month except for XX/XX/XXXX. This was due to a medical emergency that I experienced that put me in the hospital for XXXX and a half weeks. I was unable to make arrangements with XXXX XXXXXXXX XXXX due to my hospitalization.
Product: Credit reporting 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 accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. This account that needs to be investigated and corrected for erroneous reporting in my file is listed on my credit report. 
XXXX XXXX XXXX