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

Hi, I am a victim of the XXXX breach and starting since XXXX and XX/XX/XXXX, I kept having " hacker ( s ), breacher ( s ) '' buying things using my XXXX and XXXX account. I have canceled my banks debit card well over 10 times in 3 months there were times were the hackers were making purchases so often I ended up having 2 debt cards at once. We fix that, they had also created a XXXX XXXX XXXX XXXX under my name ( luckly I caught it within a week ) So XXXX and XXXX fix that and close the card. Hackers were able to buy some things since XXXX adds the card to your account digitally as you wait for the hard card in your mail. I keept the card as a mento to be safe online while. I thought it was over. I ran some virus cleaners, ransom ware etc. 

But In XX/XX/XXXX my bank account was charged by XXXX i asked them why they stated i took out a XXXX loan which is now XXXX. I wrote to the the XXXX breach admin and still waiting a reply and instantly cleaned out all my hard drives and re-installed windows. XXXX XXXX didn't do its job or the hackers had remote desktop setup on my pc. Not anymore. 

As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, a copy of which is enclosed, I am requesting that the item XXXX be removed Frozen until they acquire the correct information/people to they gave a loan to.

Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. My credit score has gone down XXXX  points in 2 months. I've ask XXXX to let me view the loan/credit application I supposedly sent them,,, they never have gaved it to me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have not worked in 2 years and still can't so I would not qualified for their loan, i wouldn't have had any paystubs, checks, deposits or job to write in the application to XXXX Yet Experian won't remove the false information from my report.
Product: Money transfer, virtual currency, or money service

I have made Electronic Funds transfer to my girlfriend using her mobile number in online banking. She did receive a text confirming she received the transfer but when she checked her bank account the money wasn't there. I have filled claims with Bank of America but customer rep said the money went to someone else and this person didn't agree to return the money. How is possible that her mobile number was used by someone else? She has the same mobile number for around 10 years. I understand that Bank of America should be checking if the mobile number is valid and if it has been setup by the owner to receive money. 

The first transfer was made on XX/XX/XXXX with amount of US {$1600.00} and second transfer on XX/XX/XXXX with amount of US {$500.00}. 

Claim numbers : XXXX XXXX Thank you
Product: Debt collection

I didnt receive a copy of the original debt or a notification from the debt collector in regards to this balance owed. So there was no opportunity to pay or dispute this debt.
Product: Credit card

I do my banking at Bank of America ( BofA ). 
I have a credit card account and a checking account. I typically overpay my credit card account so as not to pay interest. Several times BofA has taken the overpayment from the account with NO notification. When I discover the loss of the overpayment funds, I call BofA and they inform me that a check is being processed and will take up to 3 weeks. In some instances 3 weeks pass, no check, and I call back to BofA and they say they will reissue the check, another 3 weeks. All this time BofA has my money.

I believe it to be improprieties and improper business practices ; 1- NO notification of removal of My money 2- Not transferring My money from the credit card account back in to my checking account ( would be virtually instantaneous ). 
XXXX taking My money before a check is cashed, even before it is processed. All standard practices are that money is NOT withdrawn from an account till the check is cashed. 
The current time this has happened to me was XX/XX/year>.
Product: Checking or savings account

On XX/XX/2023 I deposited my accident lawsuit payout for {$12000.00}. I took only {$500.00} that was advanced to me out of {$2500.00}. But after that they keep freezing my account or denying transactions or even withdrawals every day. They would charge me ATM fees even when I could receive funds cause they froze my account. I would connect my card to XXXX and they even said that they had returned over {$2500.00} back to me that should be in my account within 1-3 days. But when I talk to Wells Fargo they said transactions was denied and never taken out of account but my account kept decreasing. Out of the money I had in my account i used only {$6200.00} of my money. The rest of my money is gone and they claimed I used it when I didnt have access to my account at all. And now my account is in the negative. Over {$6000.00} is missing from my account and they are denying any wrong doing. They had multiple withdrawals that I didnt make and transactions reversals that was never returned to my account. I have called numerous of times to the fraud department and customer service for random freezes on my account. Wells Fargo made my banking experience a nightmare and now Im completely out my funds in less than 2 weeks of depositing in my account. I feel robbed and they are denying my claims.
Product: Debt collection

I changed phone service from XXXX to XXXX  on XXXX XXXX and paid a final bill. I was made aware of another final bill the first part of XXXX for XXXX. I called XXXX on XX/XX/2022 and talked for 16 minutes and the person I talked to said she adjusted the account and there would be no final bill. I got another notice from XXXX that there was a final bill for XXXX, so I called again on XX/XX/2022 and talked for 34 minutes and again was assured there was no final bill, now on XX/XX/2022 I received a collection notice from MRS account number XXXX for the amount of {$89.00}. I called XXXX on XX/XX/2022 and talked for 13 minutes, but now they said they can not help me. If I owed a final final bill I would have paid it, this matter should never have gone to collections and ruined my credit rating, I want this matter resolved, I was told twice that I had no final bill, I was with XXXX for over 15 years and was never late with a bill, now after changing phone carriers they send me to collections for a final bill that was fixed twice before by to different XXXX customer service associates. Very poor service!
Product: Debt collection

I moved a month ago and the post office is forwarding all of my mail. 
Apparently a bill from XXXX XXXX XXXX was never forwarded and I was reported to the Better Business Bureau. I find this unfair because they never tried to reach me and I always have paid my bills. 
I gave them my checking account to pay the balance in full and they refused to remove the complaint from the BBB. 

Thank you, XXXX XXXX ( formerly XXXX )
Product: Debt collection

I am XXXX XXXX and I am submitting this claim myself and no third party is involved. I, XXXX XXXX as a natural person, and consumer was injured, harassed and abused by LVNV FUNDING LLC on several attempts to collect on a debt, using profane language and unfair collection practices. ( See Exhibits ) I received numerous violations through via mail. I requested validation of the debt on XX/XX/2021, they sent account summaries which isnt debt validation. 
( See Exhibit A-O ) With further harassment, after the agreement of confirmation of receipt of the validation of the debt ; the debt collector, LVNV FUNDING LLC knowingly and willfully continued to reach out to ask for payment of this debt. ( See Exhibit A-O ). LVNV FUNDING LLC has violated multiple laws in accordance to 15 USC 1692. ( See AOT ). My AOT WAS NOTARIZED AND SIGNED AT XXXX  and mailed off from there. Receipt is provided below. They also use different names such as Resurgent Capital Services which are debt collectors collecting on behalf of another debt collector.
Product: Bank account or service

After having a banking relationship with Chase for many years, my checking account became used by someone utilizing ACH or international wire transfers. It may have happened after my computers got stolen during a burglary at my home just prior. At first I called the company, and they would not provide information, then Chase directly after the police had conducted their research. I was notified only transactions within a 60 day period would qualify, and although there were a few just touching, or outside that period, I understood the " timely manor '' issue. Even though, I was somewhat relying on the police to find the fingerprints, and catch whomever it was. 
The trouble began on my very first call XXXX XXXX, to report the fraud, the representative only took XXXX item down, to file as fraud. In reality we discussed about XXXX-XXXX transactions. At this point my account had been over drafted XXXX dollars! She told me within 3 days I would see a provisional credit during the investigation, and then paperwork to fill out. 3 days went by, and only XXXX credit was applied, and spent several hours with several reps, adding the additional money transfers one by one. They ( for some reason ) created a case for each item. 
I complied with their request for information, and the forms signed. I was issued a credit, later to find out, that there were still fraud transactions being processed through my account, from the same company. I called to notify them, and an agent in the disputes department, " XXXX '' decided that all these were valid charges somehow ( almost {$5000.00} ) even though I have never in my life performed an international money transfer. I explained about the break in, she stated she did not care, she was reversing every credit previously applied. I asked her why? It seemed very personal, she became angry, short, and rude, and told me she believed I did the transactions. It was a complete nightmare, of chaos, disorganization, and mistakes from representatives from then on, until my account was closed, without notice, because I told them they were violating the Fair billing act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my XXXX, XXXX and Transunion consumer report. I noticed some accounts being furnished on my consumer report without my consent as the CONSUMER!! 

XXXX XXXX XXXX ACCT # : XXXX This company is in clear violation of the LAW!. Pursuant to 15 USC 1681b Permissible Purpose of consumer reports, THE LAW CLEARLY STATES : ( 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 instructions of the consumer to whom it relates. 

I NEVER gave anyone written instructions to furnish this account on my consumer report!
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid this account in full 5 years ago I have sent many disputes and many requests for a Goodwill correction but ENHANCED RECOVERY COMPANY LLC continuously refuses to correct the tradeline on my credit report it does reflect a XXXX balance but it is listed as a derogatory account it needs to be corrected to current closed as it has not been derogatory for three years right now and trying to close on a mortgage and it is seriously inhibiting my ability to finalize the loan. My closing date is XX/XX/XXXX and my underwriter with the USDA said this needs to be corrected as it is. Derogatory it should be listed as current closed. 
It is against the Fair Credit Reporting Act to keep harming somebody's ability to acquire new credit by listing is satisfied account as derogatory. 
This item needs to be deleted or corrected. 
I have the tempted many phone calls letters and disputes enhanced recovery collections is blatantly being vindictive despite the fact that this account was paid in full and has not been in collections for 5 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have advised Equifax on several occasions that the information being reported on my credit report is inaccurate and have even provided proof.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Follow-Up on Disputed Late Payment and Request for Investigation Process Explanation Dear CFPB, This letter serves as a follow-up regarding my previous dispute concerning inaccuracies on my credit report related to the XXXX  account. The reported late payment remains unresolved and now contains further discrepancies. I am requesting an immediate reinvestigation and a detailed explanation of the process your agency used to verify the accuracy of the information. 
Account Details : Creditor Name : XXXX  Account Number : XXXX High Balance : {$2900.00} Balance Owed : {$0.00} Credit Limit : {$0.00} Account Status : Closed Payment Status : Current Date Opened : XX/XX/XXXX Date Reported : XX/XX/XXXX Account Type : Unsecured Loan Term Length : 18 Months Discrepancies Identified : Late Payment Reported : Equifax has reported a 30-day late payment for XX/XX/XXXX. 
In my previous dispute, the late payment was reported for XX/XX/XXXX, not XX/XX/XXXX, as per your initial findings. 
Inconsistencies with Records : The reported late payment for XX/XX/XXXX contradicts the original reporting, which stated XX/XX/XXXX. 
My payment history and attached records confirm that all payments for this account were made on time. 
Impact on Accuracy : The shifting late payment date between disputes ( from XX/XX/XXXX to XX/XX/XXXX ) raises concerns about the accuracy and completeness of the investigation conducted. 
This inconsistency negatively affects the reliability of my credit report. 
Supporting Evidence : I have attached a screenshot of my credit report from the previous dispute showing the late payment reported for XX/XX/XXXX. This documentation, along with my payment records, clearly demonstrates that the reported late payment is inaccurate. 
Legal Basis for Dispute : Under the Fair Credit Reporting Act ( FCRA ), 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), consumer reports must not contain inaccurate or incomplete information. Furthermore, credit reporting agencies are obligated to conduct thorough investigations of disputed information and correct any inaccuracies as per 15 USC 1681i. 
Requested Actions : Correction of Errors : Update the payment history for this account to reflect " Paid As Agreed, Never Late. '' Investigation Details : Provide a written explanation of the investigation process used to verify the accuracy of this account, including all steps taken and parties contacted. 
Proof of Late Payment : If the late payment for XX/XX/XXXX is accurate, provide verifiable documentation supporting this claim, including specific dates, amounts, and any communication records. 
Please address this dispute within the 30-day timeframe stipulated by the FCRA. Failure to correct the inaccuracies or provide a satisfactory explanation will be considered a violation of my rights under the FCRA. 
Thank you for your prompt attention to this matter. Please contact me should you require any additional information. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

NOTE : This is a CHALLENGE as I am NOT DISPUTING. 
I am always checking for mandatory compliance and am fully aware of the CFPBs enforcement capabilities with furnishers who are non-compliant with the Law, specifically when it is injurious to a consumer. I am requesting a MANDATED COMPLIANT Metro 2 format reporting to be presented with a CERTIFICATE of COMPLIANCE demonstrating that the accounts are entirely true, accurate, complete, timely, of documented ownership, of undoubted responsibility, and documented through testimonial through that certificate of COMPLIANCE making undeniable lawful standing of the claim. 
Per Law any deficient or substantial and evident matters of facts would be unethically reported and even illegally reported based on several laws that the CFPB, along with the appropriate government divisions who have jurisdiction over this. With that said, to retain such injurious, inaccurate, non-compliant and harmful items is an infraction to these laws as per mandated compliance. 
The items attached are non-compliant as per the FCRA and CDIA requirements!
Product: Credit reporting or other personal consumer reports

Reporting my private information without my written consent. They dont investigate to the fullest extent they say its verified when things are clearly not accurate and according to the Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursua 15 USC 1681b 2. They also have no permission to report ANYTHING using my info pursuant to 15 USC 1681 4.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account was charged off and companies filed charges on taxes. The law states any accounts that are charge offs are considered incomes. This companies has been paid. this should not be on my credit. I'm trying to buy a house and its defamation of my character. I have no knowledge of these extra charges
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 Experian and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/accounts/information below XXXX XXXX XXXXXXXX Balance {$0.00}.
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 XXXX XXXX XXXX. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXXXXXX. ( a ) ( XXXX ) 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 XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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: Mortgage

due to the fact that i have limited internet connection and access to a computer i am asking Bayview and XXXX to send copies of their responses via US mail. i included an email address in my complaint thinking it would make it easier, if Bayview and XXXX can make a note to send a hard copy in their file
Product: Credit card or prepaid card

Capital one is putting negative remarks and balances stating that I owe on my consumer report. They removed the negative remarks once before but placed them back on my consumer report. I am demanding that capital one properly remit 1099c so that I can properly complete my tax returns because all cancellation of debt is suppose to be on my 1040. I am instructing capital one to send me my copy of the 1099 B for both XXXX and XXXX for documentation for the debtor that they have transferred it over to the treasury. I am also instructing capital one, XXXX, XXXX and XXXX to update my consumer report and score with concerning capital one.
Product: Credit card or prepaid card

Barclays unexpectedly closed my account in XXXX and put my account into collection. They said to pay off the closed account which I paid down to XXXX of the XXXX balance. I then had some hardship and told Barclays I couldnt make the payments. During that time they increased the interest on my account and charged late fees that increased the balance to XXXX. This was very strange as a closed account was still accusing fee and interest. I since had made numerous phone calls to Barclays to correct the amount due. They have taken my name and phone number and have yet to call me or respond to my inquiry on settling the balance. Theyve instead charged off my account which has negatively affected my credit making it difficult to obtain any reputable credit lines. They are a bully. They offered me a card then blacklist me. Not only that but they refuse to speak with me or to rectify my account balance. Since they have been charging me fees while my account was closed this will stay on my credit report for an additional XXXX years.
Product: Credit card or prepaid card

This is a problem with the Bank of America Travel Rewards VISA billing statement. Bank of America has intentionally used confusing  wording on their billing statement to mislead the unsuspecting or elderly customer to pay only the minimum amount every month, thereby causing them to pay interest on the outstanding amount during the following billing cycle. Here is a copy of their billing statement format : New Balance Total {$1800.00} Current Payment Due {$25.00} Total Minimum Payment Due {$25.00} Payment Due Date XX/XX/2018 They list the " minimum payment due '' twice under different headings. This is very misleading and unnecessary unless they are trying to trick someone. The amount to be paid on this example in order to avoid interest is {$1800.00}. Other credit cards only use three categories : " New Balance '', " Minimum Payment Due '', and " Payment Due Date ''. It is very clear and straightforward. I addressed this issue with B of A and their representative was very quick to give a rigorous and lengthy defense of their format which tells me that they are aware of what they are doing and have intent to defraud. I believe a CFPB complaint is at least warranted and a class action suit is probably needed.
Product: Credit reporting, credit repair services, or other personal consumer reports

for the last six months i have been disputing inaccurate derogatory information on my credit report. XXXX XXXX XXXX, XXXX, XXXX, and transunion have all re-aged these debts on my credit report and have reported either missing or inaccurate payment history which is a FCRA violation. the last round of disputes i mailed off were around XX/XX/XXXX, i asked for my results to be sent to me via usps mail but nothing ever arrived. due to these inaccurate unverifiable items on my credit report i have been deprived of acquiring new credit. this account has been re-aged due to an inaccurate date of first delinquency. 

XXXX REMOVAL DATE XX/XX/XXXX XXXX REMOVAL DATE XX/XX/XXXX TRANSUNION REMOVAL DATE XX/XX/XXXX