23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

XX/XX/20 XXXX : Dad & I went to Bank of America XXXX XXXX XXXX & met in-person with XXXX XXXX ( Manger ) to transfer funds from his Saving Account to a new Checking Account under my name ( I am responsible for nearly all his financial matters -- POA ). The above handled the whole transaction of nearly {$22000.00}. I have the paperwork & deposit slip. 
XX/XX/20 : I received 1st statement of new account. Beginning Balance : XXXX ; Withdrawals/Subtractions : XXXX ; and Ending Balance : XXXX. Attempted to contact anyone at BofA by phone & email -- no response. Called the XXXX number on the statement -- found that Dads Savings Account had XXXX  dollars & the new Checking Accoiunt also had XXXX dollars. 
XX/XX/20 : Attempted to contact BofA again by phone & email -- no resaponse. 
XX/XX/20 : Attempted to contact BofA by phone again -- no response. Later that am I had a voice mail from Manager -- does NOT know what happened to the money, how, or why. This was verified by me by phone -- I was told 'check-is-in-the-mail '. 
Neither Dad nor myself have received any communications from BofA by phone, mail, email, text. Nor do we know what happened to the nearly XXXX XXXX dollars. Neither of us has received any 'check-in-the-mail '. 
I believe an outside investigation needs to be done -- XXXX XXXX dollars is alot of 'missing ' money that can NOT be accounted for by BofA XXXX Since we were there in-person there should be video available. 
I would appreciate it if you could look into this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  SSN : XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX I have sent many prior requests to the credit bureaus to reinvestigate several inquiries that were not authorized by me.Are n't they required to complete these investigations within 30 days of receipt? I have heard of companies pulling peoples credit without permissible purpose and I have yet to see verification of those purposes provided by the credit bureaus- XXXX, XXXX and Equifax. 

I will once again list the inquiries in need of investigation AND PROOF THAT THEY BELONG TO ME : 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 XXXX XXXX XXXX XXXX XXXX XXXX 


SHOW ME PROOF THAT THESEINQUIRYS WAS AUTHORIZED BY ME OR REMOVE THEMFROM MY CONSUMER REPORTS. I DID NOT AUTHORIZE THEM. - SECTION 609 STATES THAT YOU NEED TO PROVIDE THE APPLICATION THT WAS FILLED OUT FOR THE AUTHORIZATION APPROVAL. I DID NOT AUTHORIZETHESE INQUIRIES.DELETE THEMFROM MY CREDIT REPORT. 


I have tried to contact every one of the companies listed and most of them do not even have any record of me. How can they have a permissible business purpose to pull my credit if they don't even know who I am? 

Please do as you are governed under the Fair Credit Reporting Act and do a complete investigation on the listed inquiries. Provide me with the results of your investigation within 30 days of receipt of this COMPLAINT. 


Cordially, XXXX XXXX
Product: Mortgage

I opened my bank e-mail account and saw and this is a recent update because the amount went down on the cash account? Which wells Fargo Mortgage department could not answer me what a cash account is. I do not like what is going on is this illegal are they playing with my mind and account because if you put it there you would be able to answer me about that cash account that was the Presidents office of Wells Fargo. Second I received the information in the pages I sent you. WHAT IS GOING ON.I have waited since XXXX of last year for a answer. IM fed up answer me make a decision its not that hard I found it myself and I don't have a degree
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a hand written letter to the company and explained to them 1 ) that I never inquired about any loans or credit from these particular companies and also have never received any loan or credit from either company.

2 ) I also submitted a hand written letter explaining to this particular company that my name, address, and employment was incorrect and provided them with proof and correction of my name, address, and employment and it was not corrected at all. 
So therefore I am submitting an official complaint asking for your assistance and support to get these particular things fixed on my credit report being theyre reporting false and incorrectly on my credit report.
Product: Debt collection

Enhanced recovery co l is reporting a account on my credit report thats keep removing and update every year with a new account number each time account number XXXX does not belong on my credit report this is a fraud account this account need to be removed within 30 days else I would have to take legal action
Product: Debt collection

XXXX A woman from a Colorado area code has been calling daily since XXXX looking for another person who I do not live with or has never used my phone number. She said that she is from XXXX XXXX and that it is an urgent matter. Today ( XXXX ), she left a voice message indicating that she associated with an official agency, eluding that she was associate with the government. She left a number, which I investigated and found that it was a debt collector.
Product: Mortgage

I have now been a customer of XXXX for the past year and have had a number of issues with your loan servicing. The XXXX time with your company I have been assessed a late fee for a payment that was there before the deadline of the XXXX or according to your customer service folks a day or XXXX later if the XXXX falls on a weekend or holiday. Regardless I use online banking with XXXX XXXX XXXX for everything and it seems that this company is the only one with difficulty processing/crediting payments in a timely fashion. Last time I was told that the payment was in paper format and that was the delay. I paid XXXX of the fee. That was my XXXX late mortgage payment ever in 15 years. This time I have contacted B of A and confirmed that all of my payments to XXXX Mortgage are in electronic format. The payment was sent on XXXX arrived and was deducted from my account on XXXX. XXXX did not note payment until XXXX, and then assessed a fee. This behavior appears fraudulent to me. I pay my bills on time and live within my means. I am a single parent that is accountable and prides myself on being on time. I am very frustrated. My pay date varies knowing that I have a window based on my own paydate from my employer. 
Bank XXXX document is the exact snapshot of my XXXX XXXX XXXX online bill pay account noting when the payment was sent received and deducted. 
I was frustrated enough to look up on line to see if others find the same problem with XXXX and the reviews are horrible XXXX stars all with similar issues. 

My expectation is to quickly resolve this issue and reverse the fee from this time and last. Also to please educate their customer service folks on ethics for not lying to customers ( paper versus electronic ). I have submitted a complaint to the Better Business Bureau as well as recommended by the websites dealing with Mortgage fraud.
Product: Credit reporting or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 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

I dont have a credit file or score and or debt that exist with all the major credit bureaus. So no one is able to verify my social security number or credit worthiness etc. its causing me trouble being a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a closed/dismissed XXXX  that XXXX, Equifax and XXXX are reporting on my consumer report without consent of negative and harmful feedback on my profile and hindering processing for housing. Due to this being a violation of my right to privacy under Title 15 US code 1581, I have requested removal by XXXX XXXX XXXX  as well as an Affidavit of Truth and received no remedy from these agencies. I have contacted the courts where my previous XXXX  was filed and they have verified that they did not provide my information as either. I would like the reporting of this XXXX  as well as all addresses associated with this filing removed from all reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX FINANCIAL XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXXXXXX FINANC XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  FINANCIAL XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX CO XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Mortgage

Same as XXXX other people I saw under XXXX complaints, My Bank, XXXX Mailed pymt XXXX XXXX. to Statebridge LLC, XXXX # XXXX, StateBridge said they did not receive until XXXX XXXX and charged me {$32.00}. In past 10 years using XXXX XXXX to pay my bills I have never had a problem with bills being paid within the time posted by XXXX XXXX XXXX. My XXXX payment was sent to Statebridge LLC on XXXX XXXX and held by StateBridge till XXXX XXXX thus incurring a {$32.00} late fee ( see attached ). In speaking with StateBridge on XXXX XXXX 2017 the attitude was " PROVE IT '' As explained by XXXX, employee number XXXX he has been waiting for a baseball hat for 3 weeks thru the mail, suggesting I should pay StateBridge {$5.00} fee and pay online to insure my payment is received on time. Supervisor XXXX XXXX broke the Law when he refused to tell me Statebridge LLC License number after I asked. Further XXXX XXXX stated the XXXX XXXX, which is on second page of mortgage statements, was related to real estate misleading myself from fact it is StateBridge LLC license Number to do business servicing loans. Today, XXXX/XXXX/2017 XXXX, " XXXX '' who would not give me an employee ID # or his full name told me there was no license number to give out after I asked him and he had to ask a supervisor if it was ok to give out. So it appears StateBridge LLC will not allow payments to be made " free of charge '' unless the consumer sets up auto pay. I would not set up auto pay with a company I trust let alone a Company like StateBridge LLC whom I do NOT TRUST. Thus again, my story sounds like the XXXX other complaints on XXXX- ' Never been late or had issue with mail being delivered on time-EXCEPT FOR STATEBRIDGE LLC WHO SAYS PROVE IT. ' I will not pay a late fee from a company who, in my opinion, intentionally extorts fees while the consumer is making the mortgage payment to stay in compliance with mortgage agreement. Here are just a few other complaints on XXXX : XXXX XXXX & XXXX & XXXX # XXXX XXXX XXXX, Also I wish to point out The Credit Bureau has a " D '' rating for this company. How is this company allowed to do any business with mortgages after the Dodd-Frank Bill was enacted?
Product: Credit card

The Citi Double Cash rewards card offers options to redeem rewards points as direct deposit to Bank account or as Check to be mailed or also as statement credit on the credit card statement. While redeeming the rewards points as statement credit though, the Citi online site does NOT disclose that as this will reduce the account balance, any payments made will not accrue additional rewards points. I went ahead and requested {$120.00} in rewards redemptions as a statement credit ; had I known of this deceptive and sneaky practice on Citi 's part, I would have instead requested a Check mailed or direct deposit into my checking account. I called Citi as soon as I read this on a blog within a coupl eof hours of having requested the redemption, and the Citi rep refused to cancel my rewards redemption and change it to Direct deposit into checking or to send a check. 
I also warned them that I would be forced to got to the CFPB and they told me to please go ahead and do what I wanted. I would like this to be published online on CFPB per your new options so that the world can see what deceptive practices Citi is engaging in.
Product: Credit card or prepaid card

I have paid for all items received, a yearly XXXX XXXX Account and XXXX is now disputing multiple purchases will not allow me access to account and is still billing me for items returned.
Product: Credit reporting or other personal consumer reports

in report XXXX equifax listed that they investigated accounts not on my report or the complaint. so they have inaccurate and incomplete data and i have attached the original complaint. 
Delete the non permissable information- see original complaint in attachment
Product: Credit reporting, credit repair services, or other personal consumer reports

inaccurate information showing on credit reports that is not know to me
Product: Prepaid card

I do n't have access to my money for some days now. I ca n't even do a card to card transfer. I ca n't get through on the phone lines. I need my money real badly. I am single mom of XXXX. I need my money.
Product: Debt collection

First debt collector, XXXX, to take me to court for a debt I have explained I am unable to pay. Since COVID year my husband and I separated. He was the bread winner and with no help from him since I have told XXXX XXXX XXXX XXXX situation. Since then I have not been able to stay employed because I get sick many times through out the year. I cant afford to divorce my husband what makes you think I can afford to pay this debt or hire an attorney with what they want from me?
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXDEPT OF ED were never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/DEPT OF ED never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. Or list of inquiries 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: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of identity theft and a data breach, and unauthorized accounts and inquiries have been fraudulently opened in my name. Under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that the following accounts and inquiries be blocked and permanently deleted from my credit file immediately : Accounts to be Blocked and Deleted 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 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: Debt collection

I take care of my responsibilities. I am escrow when all of a sudden this unknown to me collection account appears of my credit. It says the debt was originated from XXXX XXXX. I have never been to a XXXX XXXX nor have i ever had any wok done by them or any of their affiliates- I also have XXXX insurance. 

That said, HP Sears has placed an unverifiable debt on my credit. I have sent them a dispute and i have been ignored. Account Number XXXX
Product: Debt collection

My account is currently in dispute with Portfolio Recovery Associates however I received a call from them from number XXXX at XXXX XXXX on XX/XX/year>. Please find attached the letter I received from them confirming the collection is currently being disputed. 
They are in violation of 15 U.S. Code 1692g - Validation of debts ( b ) Disputed debts ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt XXXX. Collection activities and communications that do not otherwise violate this subchapter may continue during the XXXX period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the XXXX period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C. 1681 section 602 A states that I have the right to privacy.

15 U.S.C. 1681 section 2 : It states that a consumer reporting agency can not furnish an account without my written instructions.