23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Checking or savings account

Demand for Resolution Regarding Claim To Whom It May Concern, Bank of America should be embarrassed by its handling of this situation. It is already disheartening to know the federal government has fined your institution for various violations against customers. Now, we are forced to address this ongoing and tragic mishandling of my claim concerning XXXX. 

After multiple discussions with Bank of America supervisors, it has been confirmed that some of your customer service representatives failed to properly process the initial filing of my claim. This negligence has directly contributed to the unresolved status of our claim. Every time I address this complaint, your responses merely reiterate what actions have already been taken, completely ignoring the original claim amount of {$6300.00}. 

It is unacceptable and a waste of my timeand that of the CFPBfor Bank of America to continuously disregard our concerns. As a former valued customer, we expected far more accountability and transparency. Justice is all we demand. We work hard for our money and will not allow an international company, XXXX, or Bank of America, to take us for granted. 

To further emphasize the validity of our claim, I have provided concrete evidence from XXXX clearly acknowledging their mistake. XXXX has stated in writing that Bank of America holds the credits and not them. This evidence includes emails directly from XXXX confirming their willingness to refund the full amount to my account. What further proof does Bank of America need? 

Additionally, let me address the false statements made to the CFPB that I have been unresponsive. That is a blatant misrepresentation of the facts. XXXX XXXX XXXX from Bank of America Regulatory Department ( XXXX ext. XXXX ) contacted me on XX/XX/year>, at XXXX XXXX and on XX/XX/year>, at XXXX XXXX and again at XXXX PM. As a business owner, I can not always answer calls immediately. However, I returned her calls promptly and left numerous messages. XXXX XXXX failed to return any of these calls, which is unacceptable given the gravity of this matter. 

Your claim that you have attempted to contact me is not only false but highlights a recurring issue with Bank of AmericaXXXX approach : you do not listen to your customers. Instead, your institution proceeds with investigations without engaging with the primary source of the disputeUS. 

Bank of America is a billion-dollar institution, yet it is fighting over an amount that is negligible to you but significant to " US '' XXXX This lack of responsiveness and accountability is why we will escalate this matter further. All future communications from Bank of America will be added to our updated case file and forwarded to the XXXX XXXX. 

In conclusion, I demand the difference between what has already been refunded and the original claim amount of {$6300.00}. If litigation becomes necessary, we will pursue damages well beyond this amount, including media coverage of your institutions handling of this case. 

I expect immediate action and a satisfactory resolution to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Nexis Lexis This company is reporting that on XX/XX/XXXX of XXXX, XX/XX/XXXX of XXXX and XX/XX/XXXX of XXXX I was in car accidents and I was at fault which is a error due to the fact of these car accidents I was not at fault. I reached out to my insurance company and they confirmed these errors as well. They are reporting the wrong things which is making my life complicated. I would like these errors to be correct or removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a " Hard Inquiry '' from US SM BUS ADMIN ODA - inquired on XX/XX/2020 This inquiry was not requested, nor authorized by me and I did NOT have any knowledge of. 

What is this? 
Did anyone benefit from this? Fo I did not.
Product: Debt collection

Dear Consumer Financial Protection Bureau, I am writing to file a complaint against XXXX and XXXX for violations of the Fair Credit Reporting Act ( FCRA ) and other applicable laws. The agency has been pursuing an alleged debt from 2007 that I disputed and despite my requests for validation, they have failed to provide proper documentation. 

I have previously requested that the debt collection agency provide me with written proof of the validity of the debt, including documentation that shows the original creditor, the amount of the debt, and any interest or fees that have been added. To date, they have not provided me with this documentation, and I am concerned that they are continuing to pursue collection activities without proper validation. 

I believe that this behavior is in violation of my rights under the FCRA and other applicable laws. I am requesting that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that the debt collection agency complies with all applicable laws and regulations. 

Specifically, I am requesting that the agency cease all collection activities related to this debt until they can provide proper validation. I am also requesting that any negative reporting related to this debt be removed from my credit report until the debt can be properly validated. 

I appreciate your attention to this matter and look forward to your response. 

Thank you for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I believe XXXX, XXXX XXXX is not respecting A, our, original agreement we signed and is lacking on fixing my credit report with the credit bureaus, mainly XXXX  and Experian. I dont know if XXXX  XXXX XXXX or the bureaus is lacking and dishonestly working on my report, which XXXX XXXX XXXX is the one I have doubt with. On XX/XX/2021 I called customer service and spoke with the manager, I wanted to clarify some errors I spotted with my first and last name in my payment file report, and why are they sending out wrongful disputes letters, not being honest?. On XX/XX/2021 in the morning when I logged into my account I realized my signature was wrong and a different payment method was added with the same name. I have noticed XXXX has been sending out wrongful disputes on 1 or 2 accounts. 
I contacted the Bureaus because, after what I spotted I wanted to make sure my credit report from the official website of XXXX, XXXX, and Experian was not damaged. Turns out I had and still have trouble signing in to my accounts but Im most upset with Experian. I have sent dozens of disputes of wrong information on my report and the same name on my XXXX  account appeared in my credit report. I have been trying to fix my situation with Experian and have called various times this week from XX/XX/2021 but I have seen no results or effort to work with me.
Product: Checking or savings account

Juno has had all accounts frozen since XXXX and has been unable to provide account balances to customers. All funds were held with XXXX XXXX XXXX XXXXXXXX under FDIC. Juno is pointing at XXXX to receive funds, XXXX is refusing to return money to customers. The whole sitatuion is impossible for customers. They both point to reconciliationbyXXXX for information and appeals process. That process and communication by phone results in no progress towards recieving funds. Juno and XXXX have provided no documentation or explanation for why they can't send a check for the remaining balance on file for accounts and/or go through FDIC if they do not have available funds for payout. This is an unacceptable situation where FDIC backed funds are not being returned to customers.
Product: Debt collection

I paid a XXXX debt to XXXX XXXX XX/XX/XXXX for {$6500.00}. Recently I joined a debt relief program XX/XX/XXXX to help with settling the rest of my credit card debts. At the beginning of the program the debt relief company did a check to see what remaining credit card debts I had remaining. I was fully aware what companies I still owed and the debt relief program was able to find them all. XXXX was not 1 of the companies. I was not surprised since I had settled with XXXX XX/XX/XXXX via XXXX XXXX. 

In XX/XX/XXXX I received a letter in the mail from XXXX XXXX XXXX XXXX XXXX who is representing CAVALRY PORTFOLIO SERVICES for a XXXX credit card debt for {$8900.00}. 

I checked some of my past statements to see if this is the same account. After looking at my past statements it appears that these are two different XXXX accounts in the same time frame. The first XXXX account that I paid to XXXX XXXX XX/XX/XXXX ends and then the other account from CAVALRY PORTFOLIO SERVICES starts. I don't remember having XXXX XXXX accounts at the same time. I thought it was strange that XXXX XXXX did not try to collect this debt and that my debt program did not see this debt. I checked my credit report and I only see XXXX XXXX credit card listed. I have tried to call XXXX to see if this is the same account and I was issued a new credit card number for the same account. I have not had any success getting any information from XXXX. I would like to get some clarity on this situation before I make any payment arrangements. 

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

There is still reporting on closed account from XXXX XXXX. Account was sold to XXXX in XXXX, yet credit bureaus are allowing the repetitive reporting as follows : 42 charge offs with XXXX, 3 charge offs with XXXX, and 7 charge offs with Transunion. Please review attached screenshots from each credit bureau updated on XX/XX/XXXX. I have disputed this with all credit bureaus, and it is relevant that the bureaus are in violation of FCRA 15 U.S.C. 1681i. In XX/XX/XXXX XXXX took the correct action and deleted account from credit report, and failed to provide an explanation for reinsertion as requested from me, the consumer. Please immediately assist with deleting account from all 3 credit bureaus in an effort to avoid litigation.
Product: Mortgage

My loan is being serviced by XXXX XXXX who did an escrow analysis and I have a shortage in my escrow account. XX/XX/XXXX when my loan was being serviced by Chase, Chase paid the wrong tax bill and admitted in a phone call that was the case and that they would investigate -- Its been over a month and I have not heard back. So, in XX/XX/XXXX XXXX paid two years of taxes causing a shortage in my escrow account. I filed a previous complaint against XXXX, but XXXX is claiming no liability and pointing the finger at Chase.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : 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 XXXXXXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

My XXXX benefits wasissued on XX/XX/2023 to my Bank of America account. Then a short time later my money was transferred into an unknown account on XX/XX/2023 that's was not linked to me. I filed a claim the same day I noticed the money was missing. I called to check on the status of my claim on XX/XX/2023 and the agent said my claim was denied. I only have the Bank of America account since XXXX deposits me benefits to the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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
Product: Credit reporting or other personal consumer reports

Between XX/XX/XXXX to XX/XX/XXXX and XXXX and XXXX unauthorized inquires where report on my credit report on Transunion XXXX and XXXX. I informed the 3 credit reporting agency that was not my and request to delete this unlawful reporting. XXXX and XXXX quickly act and delete this reporting items right away. Transunion refuse to delete this even me explaining that I have a credit freeze and nobody call me from those institutions to verify was me. Under the FCRA law this unlawfully reporting should be delete right away. Please see inquires below. 
Inquires Dates XXXX XXXX XXXX. XXXX. 
( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXXXXXX XXXX XXXX  ( Auto ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Bank XXXX XX/XX/XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered the erroneous items. The 3 credit bureaus must verify these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be corrected from erroneous reporting in my file. 

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. XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

I am late 30 days on my credit report because of a Bank of America error. 
I was having issue with there app and called customer support they had told me that i need to cancel the auto pay in order for them to fix the problem and that they would escalate it to another department that handles that now i am 30 days late because of this and they have reduced my credit limit because of there fault. if they didn't make me remove the auto pay it would have covered my {$8.00} late payment and i wouldn't be reported to credit reporting companies there rep should of at least help me setup autopay the right way if they made me cancel the previous one.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting this CFPB complaint to you today to inform you as well as the Credit Reporting Agencies that I was the victim of identity theft. I researched on how to remove the fraudulent accounts and information from my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b, the Credit Reporting Agencies are required to remove any accounts and information that listed on an ID Theft Report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX Balance Owed : {$290.00} XXXX XXXX XXXX XXXX Balance Owed : {$250.00} 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 XX/XX/XXXX XXXX XX/XX/XXXX. According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block 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.
Product: Payday loan, title loan, or personal loan

Loan was received back in XXXX. Yes I 'm late to pay it, but I receive 4 to 5 calls a day even at work. I have told them not to call my work because thats grounds for termination but they still call
Product: Credit card or prepaid card

submitted a complaint with Bank Of America. They had charged me a late fee of {$49.00} twice, once in XXXX and once in XXXX. The reason for the fee is when I paid my bill due by the due date- which was {$200.00} and I paid {$200.00} in XXXX and {$250.00} in XXXX when i paid {$250.00}. When making the payment there was not a warning that I was XXXX cents or XXXX cents short. I made the payment by the due date. So the charge was once day later as well. Upon submitting my compliant, a XXXX XXXX took weeks to respond, called me once and didn't return my call. And sent a letter stating he would not be refunding me the money. 


Bank of America should not be able to charge {$49.00} when the bill was paid on the due date. They shouldn't have a late fee for anything less than a dollar. I hop the cfpb will take action to audit this business practice.
Product: Checking or savings account

Chime Bank closed my mother 's account on XX/XX/2021. My mother died on XX/XX/2021. 

On XX/XX/2021, I filed her Last Will and Testament appointing me as her personal representative. 

Chime Bank has refused to issue a check or any form of payment for the funds that were available in her account before Chime closed my mother 's checking account. I have e-mailed and written a certified letter to Chime and they refuse to communicate with me or assist me in any way, shape, or form.
Product: Mortgage

I have a mortgage with Bank of the West ( now BMO ) recently bought in the last week. 
During COVID I applied for mortgage forebearance through the CARES act. My payments stopped I believe for approx 1 year. When I started regular payments again I was told that I had to sign some papers with HUD and that the amount that was not paid during that year would be tacked onto the back of my mortgage. 
I am in the process of trying to get a HELOC with another bank right now and for over a month we have been trying to find my actual principal balance on my mortgage. HUD stages that I owe them {$10000.00}. That they dispersed those funds to BMO ( Bank of the West ) at that time to be applied as they see fit to my mortgage to cover my forbearance. They have confirmed that for me in writing and with a payoff letter. I have requested mortgage statements from XXXX, XXXX, and XXXX as well as the documentation breakdown of how they applied the {$10000.00} ( that I owe HUD ) and was to be applied to my mortgage. Just glancing at the current balance of my mortgage, if {$10000.00} had been applied, it should show a lot less. 
I am unable to access any of my records from BMO online at this time because they are still in the process of moving everything. However, the story they are telling me about the balance being tacked on to the back of my mortgage I owe them, is a completely different story than HUD is telling them. In fact, one is saying they gave my mortgage company money, and they other is saying they did not. 
And my mortgage company ( bank ) can not readily provide me with even statements from past years so I can see if there is any obvious adjustments ( as there should be from HUD dispersing the funds ). 
I need assistance. I met with the VP of BMO at my local bank yesterday in XXXX kansas and Im not getting anywhere fast. He sent some emails requesting information because they can not even pull up statements.
Product: Vehicle loan or lease

ALLY FINANCIAL # XXXX is in Violation of 15 USC 1681a 2 ( A ) ( i ) - Exclusions, the term " Consumer Report '' does not include any reporting containing information solely as to TRANSACTIONS OR EXPERIENCES between the CONSUMER and the PERSON ( ALLY FINANCIAL ) making the reports. So reporting LATE PAYMENTS is a TRANSACTIONS AND SHOULD NOT BE REPORTED.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to resolve these issues with Exeter Finance from XXXX. Last time I tried to resolve the issue was just last month XX/XX/XXXX and the Dept of Justice, Mr XXXX 's office rep also tried to send them a letter regarding this issue. Exeter did not correct the problem. 

Exeter financed a fraudulent loan with XXXX XXXX which I came to be aware of after the Class Action Lawsuit was filed against Exeter. I was misled and was given wrong information about the XXXX employment to secure this loan. Exeter has ruined a lot of people 's credit by practicing unfair Auto Loans. Financing is illegal if lenders do not have a basis for believing that customers will be able to repay loans as scheduled
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed a XXXX XXXX account reporting on my Equifax and XXXX  reports for over a year and the credit bureaus keep reporting inaccurate information on my reports like payment history, amounts owed that has gotten me denied for credit applications numerous times.