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

On XX/XX/2021 I intended to make a reservation with XXXX XXXX, XXXX XXXX, NY. Unbeknownst to me the party who answered my call to the number of the Inn I found on XXXX was a third-part agent of XXXX XXXX called XXXX XXXX XXXX XXXX located in XXXX and XXXX, an apparent agent of XXXX XXXX XXXX I gave my Bank of America XXXX XXXX credit card number to " hold '' the reservation. I subsequently cancelled the reservation timely and was given a cancellation number by XXXX XXXX. XXXX XXXX never charged my card because I never registered. Then the charge for the full reserved period, {$1000.00}, appeared on my credit card statement. I challenged the charge but BOA concluded that the " merchants '' policy was to charge my card on the making of the reservation, as opposed to the usual procedure of charging the card only upon registration at the XXXX. BOA did not identify the alleged " merchant ''. I have no knowledge that BOA ever contacted XXXX XXXX, or the identity of the " merchant '' whose Policy BOA is respecting and adhering to. Under these circumstance the charge is obviously fraudulent but BOA continues to adhere to the the " merchant 's '' claim that the charge is valid.
Product: Debt collection

I have a collections account in the amount of {$1600.00} from XXXX XXXX. I have no recollection about this account nor have I ever had a account with XXXX XXXX or ever purchased any electronics or wireless devices from XXXX. I have brrn a loyal member with XXXX XXXX for over 7 to 10 years. I have been a victim of identity theft and fraud and my information has been reported to the FTC.
Product: Debt collection

Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. Additionally any attempts to harm my credit history and rating by updating or changing dates after you have been informed that the debt is expired, is a direct violation of the FDCPA. Any abuse to my credit rating on your part will be met with all recourse available to me by the law. 
You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting. I have disputed this debt with the credit bureaus and it came back verified I have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.
Product: Credit reporting, credit repair services, or other personal consumer reports

The finance company allowed 4 deferred payments and it has been stated that we have to ask for a hardship removal when I actually was allowed deferred payments put at the end of my car loan. I have disputed and nothing has happen and trying to pre qualify for a home my score has dropped 100 points
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are inquiries and accounts I that have no knowledge of. These accounts were created after my information was stolen. I am requesting these items be-removed from my credit report. XXXX XXXX is not mines.
Product: Checking or savings account

My checking account was compromised and I had a fraudulent check transaction on my account, I contacted BMO bank to report the transaction and I was told to open a new checking account while the fraud is being investigated. it has been over 45days and my account has been restricted without access to my funds. please I need these funds to take care of my family in this current economy. I am left with nothing to survive because BMO won't give me my funds back. this is a life and death situation. I need my funds back asap. 
Acc Name : XXXX XXXX ACC No : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft, someone accessed my online accounts and these fraudulent inquiries were made.I already filed a Identity theft FTC report. Please remove these fraudulent inquiries off my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : 1. The inquiry was not authorized XXXX XXXX. Date of XXXX : XX/XX/2023. Please remove it from my credit report. Please remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt. Also, 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 six months. Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX Sponsored XXXX XXXX XXXX. 
Upgrade to XXXX  RE : EMPLOYMENT CHECK XXXX. 
To XXXX & 20 more XX/XX/XXXX at XXXX XXXX  I am writing in regards that I received an check that was not cashable. Therefore, correcting the matters for future reference from reoccurrance. 

On XX/XX/XXXX, I received an check for the amount of {$390.00}, for the period beginning of XX/XX/XXXX and ending XX/XX/XXXX, check number XXXX issue to XXXX XXXX, Sales Associate ID : XXXX. 

The check that was issued to me had an issue at PAY-O-MATIC, loss and Prevention Department, XXXX XXXX XXXX, XXXX XXXX, XXXX, NY XXXX. The Letter I received from Pay-O-Matic stated, " The following check was returned to us unpaid for the reason listed below. The items was cashed for value, in good faith, in due course and without notice of defect. 

Maker : A Division of The Department Return ID : XXXX Check # XXXX Return Reason : Stop payment- C Check Date : XX/XX/XXXX Returned Date : XX/XX/XXXX Check Amount : {$390.00} Returned Check Fee : {$30.00} Total Amount Due : {$420.00} We can not redeposit this item an require that you remit full payment to us in the amount of {$420.00}. '' I would like an full investigation on the matter investigated. This is not supposed to be happening. At this point this looks intentional and deliberate. 

Thank you for your time an consideration, it is greatly appreciated. If I can be of further assistance to this matter you can reach me at XXXX or XXXX. 

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

My phone was stolen morning of XX/XX/2022 and the thief downloaded an XXXX XXXX in my name. I have already filed a complaint with XXXX XXXX specialists that the card opened was fraudulent and that the charges incurred ( ~ {$4000.00} ) were also fraudulent. The thief also made fraudulent trades on my XXXX account, but nothing was withdrawn.
Product: Credit card or prepaid card

They double charged me for my ending balance on XX/XX/XXXX and made my bank get overdrawn. They are saying I put in a payment, which I did not. I know my account is on auto pay. Online, the payments were put in XX/XX/XXXX XXXX XXXX {$6000.00} and XX/XX/XXXX XXXX XXXX {$6000.00}. Both of these are withing an hour of each other. 

They told me it could be up to 25 days to reverse the charge or they could mail a check in a week. So, they are holding {$12000.00} of my money ( {$6000.00} of which needs to be returned XXXX for at least a month. 

Last year ( in XX/XX/XXXX ) TWICE they kept money ( totaling over {$50000.00} ) I paid to the card for at least a week before releasing the balance. They refused to tell me the exact reason why other than the bank hasn't release the money. Eventually I got an email, after I threatened to close my card, stating that they are holding the money in case the bank reversed the money. I spoke to my banker the day after I paid the card and he said the money was already released and sent to XXXX. 

Every time I call, the person I'm speaking to is a " manager '' and there is no one else I can speak to. The lady today lied to me when I asked to speak to someone else. In XX/XX/XXXX, when I asked to speak to a supervisor, I received the same response, " there is no one else for you to speak to regarding this issue. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

Bought a car in XXXX they made about 13 hard inquiries but there was only suppose to be one inquiry then i applied for a soft pull prequalify and they more hard pulls again multiple times this year that i didnt authorize at all because im not in the market for a car.
Product: Credit reporting or other personal consumer reports

Subject : Inaccurate Information on Collection Account - Dispute of Investigation Results and Potential Retaliatory Reporting I am writing to dispute inaccurate information on a collection account reported on my credit report and challenge the recent investigation by ProCollect that did not address their errors. There is also concern that this reporting may be an attempt to harm my credit reputation. 

The account number in question is listed with ProCollect Inc as the creditor. 

The following information on the account is inaccurate : Previously Disputed Issue : On XX/XX/year>, I submitted a dispute regarding the inaccurate information on this account. However, the recent investigation by ProCollect was unsatisfactory for the following reasons : Their investigation was insufficient. They did not consider the documentation I provided that proves I do not owe this debt. I called the company three times this afternoon and the call could not be transferred because I was calling from a blocked number. There was no human I could be transferred to per the Admin who answers their business line. 
They did not contact me to discuss the discrepancy, nor have they ever contacted me to discuss the discrepancy. 

They only mailed an itemized bill of charges from the original creditor. 

Potential Retaliatory Reporting : Because the statute of limitations has expired in the state of California, and they placed this complaint on my credit report in XXXX XXXX, I am concerned that ProCollect 's reporting of this debt may be an attempt to harm my credit reputation due to the inability of the original debtor to pay. This debt is associated with my adult son. I was never notified of delinquency by the landlord XXXX XXXX in XXXX, IA. 

It should be noted that my first notification of the debt was illegally via phone call from a ProCollect employee who called me on my mobile device, and threatened to sue me, he called me " irresponsible '' and demanded information about my employers. I contacted the credit bureaus immediately and learned that ProCollect never placed the " collection account '' on my credit report. There is no legal basis for including this inaccurate information on my credit report.

Evidence of Inaccuracy : I have seen copies of the documentation they provided with an itemized bill of property damage which clearly demonstrates the inaccuracy of the information or that I owe the debt. 

Request for Reinvestigation : I request that you reinvestigate this matter and ensure that the credit reporting bureaus have accurate information on my credit report. Please consider the evidence I have provided and contact me if you require any further clarification. I am also concerned that this reporting may violate the Fair Credit Reporting Act ( FCRA ). 

Thank you for your time and assistance.
Product: Checking or savings account

Their online banking account access does not calculate the running total correctly. I reported it a couple months ago and they were very nice and prompt in their response, but still nothing done. 

Here 's the thing. They did it correctly for years, and it only started when they decided to " freshen up '' the website with a new design ( which does nothing but confuse people because now that they've trained us to use their site efficiently, they change it and we have to learn it all over again - totally unnecessary waste of time ). So we know that they know how to do it, and that they already have the computer code to fix it. They just need to scrap the new design and re-load the previous one. But they're too XXXX  to do it, that would be admitting failure for their IT pros.
Product: Credit reporting or other personal consumer reports

When reviewing my credit report I noticed several periods reporting as 30 days delinquent by XXXX XXXX. These were not delinquent per my records and I disputed with Experian. Results came back as verified. I followed up and had no success in verifying the method of verification as correct. I want the payments for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX which currently show as 30 days late to be deleted from my report.
Product: Credit card or prepaid card

Have had 3 credit cards with capital one for YEARS. I had ONE late payment / payment returned because I didnt realize my deposit hadnt made it into my checking account on time. Capital one made ZERO effort to contact me and instead closed ALL THREE of my credit cards without any warning, zero phone calls, zero emails, zero messages. Then I receive letters claiming I violated terms of services for using the cards. What??? I use my cards for very basic uses. I recently moved, so expenses were temporarily higher as I used the credit THEY GAVE ME for some one time household purchases. Excuse me, I thought credit cards were designed to BE USED. They now have destroyed my credit by closing these accounts as now my credit is going to nose dive. After Ive been LOYAL TO THIS BANK AND IN GOOD STANDING FOR YEARS. Horrible horrible bank!!
Product: Debt collection

In XX/XX/year>, I signed a one-year lease for an apartment in XXXX, Delaware. Due to a layoff in XX/XX/year>, I was forced to relocate back to my family in XXXX and thus had to terminate my lease early. I provided my landlord with XXXX months ' advance notice of my intent to vacate and paid rent for that entire notice period. Despite this, after I vacated the apartment, the landlord demanded payment for the remaining term of the lease and withheld my security deposit. The landlord had the opportunity to re-rent the apartment, as there was reportedly demand for rentals in the area, but chose not to do so. They have now referred the matter to a collection agency, which has reported the unauthorised debt to credit bureaus, negatively impacting my XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a BOFA mortgage customer since XX/XX/XXXX and have never had issues making a timely payment. In XX/XX/XXXX BOFA changed their online payment system & since then I've had 2 consecutive months of issues. The first was the lag time between my XXXX payment submission & payment posting ( 5  days ) which caused my account to be flagged as 30 days late & dinged my credit report. ( This is the first time a payment submitted was not applied same day. ) The second was when attempting to submit my XXXX payment, the payment never went through. I was forced to call ( for the first time in almost 4 years ) to  make a payment to ensure that my account was current. That payment was made on-time. 

This issue with their new online payment platform has created a much more concerning situation where now my credit has been impacted. 

I've called BOFA 3-4 times to rectify this error & the associated impact to my credit report. Since reaching them & logging 3 complaints/cases & now waiting 48 hours+ for a call back my XXXX  credit report shows as " data unavailable '' for XX/XX/XXXX and reflects paid for XXXX & " 30 days late '' for both my XXXX & XXXX BOFA mortgage payment. It is XX/XX/XXXX, my account can not be 30 days late 7 days into the month ... 

This 2 month " hit '' has decreased my credit XXXX points at a time when I am attempting to close on a new home. I am extremely concerned that this will impact my ability to close on a home I am under contract to purchase. I'm unsure how to resolve this issue but I need it resolved ASAP.
Product: Checking or savings account

XXXX Axos Bank, XXXX XXXX, CA XXXX. Our normal communication is by regular US postal mail or my regular email. CD account matured on XX/XX/2022 & requested to close the account on XX/XX/2022. I was told to send them a " confidential '' e-mail of the bank to close the account ( they refused to do it over the phone ). 

Two weeks later, I heard no response. I called the bank & was told that they had sent me a response through the " confidential '' email. You have to dig deep into their web site to find this " confidential '' email. Essentially, they stated that they will send me a paper check which will cost me {$10.00} or by XXXX {$50.00} +. MY interest of the CD account is only about {$100.00}. Since I passed their Grace period there will be another penalty of {$60.00}. Since you have other account, I will waive the {$10.00} check fee but you still have to pay the {$60.00} penalty to close the account. 

First of all, I did not start with Axos bank. I started with the XXXX XXXX XXXX which was bought by AXos. Their action is illegal and is an act of highway robbery. It makes one vry difficult to close a CD account which has the lowest rate in the country. 

Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. On XX/XX/XXXX after numerous attempts to get Equifax to remove two incorrect items, I sent them a package which included a cover letter, a copy of my credit report, a Police Report, and FTC Identity Theft Report and an FTC Affidavit and a printout of the Law - FCRA 605 ( b ) with all requisite identification asking them to remove the two identified fraudulent items. The package was delivered on XX/XX/XXXX. According to the Governing Law as stated in FCRA 605 ( b ) Equifax is required to remove the items from my credit report within 4 business days of receipt. It has been over 4 business days, and this item is hampering my ability to purchase a home. Additionally, Equifax has been conducting investigations on this matter since XXXX or XX/XX/XXXX. XXXX  and XXXX  removed the items in question in XXXX - approximately 4 months ago. I ask Equifax to remove the items as soon as possible and then provide me with an updated credit report.
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  : # XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX 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. I presume that no such debt exists. Additionally, I have not received any proof validating this debt. 
as required by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2016 a Bank of America account was opened without my consent. This account is currently reporting on a consumer report with no outstanding balance. This account also has a phone number and address I am not associated to. The account number is XXXX.
Product: Credit reporting or other personal consumer reports

As a vigilant guardian of my own privacy, I invoke the power vested in me by the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) to address the violations concerning my personal information. The FCRA, under 15 U.S.C. 1681 section 602 ( a ), mandates consumer reporting agencies to handle their significant responsibilities with fairness, impartiality, and respect for my right to privacy. XXXX and Experian, as consumer reporting agencies, must heed this directive. I assert my right to ensure that my private information remains confidential, a right that is fortified by 15 U.S.C. 6801, which clearly states that financial institutions have an ongoing obligation to honor the privacy of their customers. The entity that furnishes information to credit agencies falls under this definition and thus, is bound by these laws. Furthermore, 15 U.S.C. 1681 section 604 ( a ) ( 2 ) specifies that a consumer reporting agency may furnish a report only with my written consent, which neither XXXX, Experian, XXXX nor the furnisher of information has obtained from me. I hereby revoke any form of consent previously granted, whether verbal, non-verbal, written, implied, or otherwise. The law is clear in 15 U.S.C. 6802 ( b ) that a financial institution can not disclose my nonpublic personal information to a nonaffiliated third party without informing me of my right to nondisclosure, a right that was never presented to me. Moreover, 15 U.S.C. 1681C ( a ) ( 5 ) prohibits the reporting of any adverse information older than seven years, which includes the account in question. This is a violation of my legal rights, as there is no permission granted on my part for such reporting. The accuracy of information is paramount, as stated in 15 U.S.C. 1681s2 ( A ) ( 1 ) ( A ), which forbids the furnishing of information to consumer reporting agencies if it is known or suspected to be inaccurate. XXXX and Experians failure to maintain reasonable procedures, as required by 15 U.S.C. 1681e, to prevent such violations further compounds the issue. Lastly, in accordance with 12 CFR 1016.7, I exercise my right to opt out of your reporting services at this time. My privacy is not a commodity for trade, and I demand the respect and confidentiality that is rightfully mine. Please be advised that this notice of my rights has been issued to you multiple times and has been met with disregard. This persistent neglect is not only disrespectful but also a clear breach of the legal obligations outlined above. I insist on immediate compliance with these regulations, and any further inaction will be met with the necessary legal recourse to protect my rights.
Product: Bank account or service

My bank changed policies with out prior notification in how deposits would be handled. I contacted the financial institution and was promised up and down that I would have access to the money that was deposited. After speaking with XXXX different reps and one of those included a senior executive XXXX supervisor all the information was different and still no resolve. With the senior rep the conversation came to a point where she said that they do n't care and are not able to help or willing to help. When the conversation became heated she hung up the phone. Now I like like to point out that rather then her trying to resolve the situation and giving viable information she escalated the call and then disconnected it. I requested for a manager call back and they called but urging the time frame that I spacifically told them I would not be available. Then the manager left voicemail statement my that I could call them back and deal with the resolutions department. Not what I was looking for.