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

In XXXX, Bank of America changed my autopay options without my consent or knowledge. I had my credit card setup to pay the full amount due for the month, and they changed it to only pay the minimum due. While I was only charged a few dollars interest, I can only imagine how many people may suffer from similar changes without their consent. BOA confirmed this change occurred by the system and was not done by me, though they didnt have any explanation of why To make matters worse, when I go on the autopay now, I was told that the setting called Amount due means that it will only pay the minimum, even though right below it there is an option called minimum amount due which is supposedly minimum without fees. This is deceptive and misleading for people that want to pay how much they owe to avoid interest. The representative was helpful and refunded the charge but again, very shady practices on BOAs part.
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. 

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

They submitted my credit without my authorization, on XX/XX/2019, which hurts me since it lowers my average score, I appreciate deleting, this application
Product: Credit card

Requested a dispute on charges from a merchant called XXXX, which I cancelled the subscription to prior to the free trial period ending but the merchant continued charging me after I contacted their customer service and they said they were looking into the reason why. Because it was outside the dispute window they were unwilling to dispute the charges. The charged amounted to at least {$1200.00}.
Product: Debt collection

I've carefully reviewed my latest credit report and found several accounts that appear to be incorrect and were added without my authorization. I request that these fraudulent accounts be blocked and removed from my report.
Product: Debt collection

You must respond within 15 days as mandated by law, or face potential fines up to {$1000.00} for non-compliance. 
Please send me the detailed procedures taken when obtaining the investigation results for : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I called federal loan servicing at XXXX on XX/XX/XXXX. I spoke with a woman ID # XXXX who told me the refund request was sent on XX/XX/XXXX for a total refund of {$9400.00}. She told me it would take 2 weeks to 2 months to process and that it would go to my checking account that I used to pay off my student loans during the forbearance/pandemic period. A few weeks later I spoke with ID # XXXX ( XXXX XXXX she had no idea what I was talking about and when I asked for a confirmation email and I git an email just stating a ticket was closed. Today I spoke with another woman, she was so rude! Unprofessional argumentative and unkind! She, like the last " specialist '', had no idea about my right to get the loans I paid during the pandemic refunded to me. She proceeded to tell me how wrong I am, that I'm explaining it wrong, that I don't know what I'm talking about, questioning why I don't want my loans to stay paid. I finally copped an attitude back and told her the call was being recorded and she said mine was too, I hope it gets replayed. I called today XX/XX/XXXX at XXXX. I still have no idea what the status of my loan payment refund is. I wrote an email to them explaining what I need. This is a lot of money, I'm trying to get the money I paid towards my loans refunded so I can apply for the loan forgiveness programs before its too late. My user name is XXXX dob XX/XX/XXXX email XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

For some reason the 3 parent plus student loans that I co-signed for my daughter, XXXX XXXX XXXX, that were paid off in XXXX if XXXX are still listed on all my credit reports as still open. No one will correct it and it is getting very frustrating.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( XXXX ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct. 
XXXX XXXXXXXX
Product: Debt collection

On XX/XX/2021, I requested a Debt validation and I received a response on XX/XX/2021, claiming that the debt was verified. In accordance with USC 1692g, congress mentions the 5 points that a debt collector must provide to the consumer 1. The amount of debt was on furnished 2. The name of the creditor to whom the debt is owed ; Not Furnished 3.

4.

5.

Last but not least I have never signed a contract with the debt collector.
Product: Credit reporting or other personal consumer reports

The company is reporting the same mortgage twice on Equifax credit file showing inconsistencies on both accounts for the credit file. I'm requesting that one of those accounts be deleted and updated with the accurate current status immediately.
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. 

Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account XXXX Account Name : XXXX XXXX  Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXXXXXX Account XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account XXXX has violated my rights. Or a 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, credit repair services, or other personal consumer reports

FRCA Violation address and names XXXX, XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX FRCA Violation loan XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FRCA Violation enquiry XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX Credit Unions ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX Credit Unions ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Credit Unions ( XXXX ) XXXX FRCA Violation collection SOUTHWEST CREDIT SYSTEMS
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to file complaint of the credit bureau delaying my request.. I have reach out to transunion equifax and experian I sent out disputes letters over a month ago and my file just being Investigated. The Inquiry that they said was verified and the account.. didnt reply back. The dispute I sent out they violated my rights 15USC 1681 604 section A,15 USC 1681 Section 602 ,15 USC 1681i they fail to send me the the description of the procedure of the investigation they ignoring my request my rights of privacy is also being ignored please please adress this matter Accounts : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I won a dispute with netspend for XXXX and never got the check it was redirected possibly by XXXX XXXX XXXX XXXX XXXXXXXX XXXX or XXXX XXXX or XXXX XXXX or XXXX XXXX or XXXX XXXX or XXXX XXXX or XXXX XXXXXXXX XXXX XXXX XXXX or XXXX XXXX or XXXX XXXX or XXXX XXXX or XXXX XXXX. They might have compromised my birth certificate breaking north Carolina closed adoption laws to scam me or if my birth right in north Carolina in XXXX to now I have been XXXX with chlorine.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep dissatisfaction and concern regarding the ongoing issue of fraudulent items persisting despite repeated attempts to remove them. As a customer of Credit Bureaus, I expect transparency, reliability, and prompt action in addressing such matters. 

I have made several attempts to report and have fraudulent items removed from my credit file. However, despite my efforts and numerous notifications, these items continue to exist unabated. This not only undermines my trust in your organization 's integrity but also poses a significant risk to my personal information and financial security. 

I urge you to take immediate and decisive action to rectify this situation. Specifically, I request the following actions : Conduct a thorough investigation into the root cause of the issue, including any potential vulnerabilities in your systems or processes that may be enabling fraudulent activities to persist.

Implement robust measures to prevent further occurrences of fraudulent items and ensure the security of customer accounts and data.

Provide clear and timely communication to affected customers, including updates on the status of investigations and actions taken to address the issue.

Offer appropriate compensation or restitution to customers who have been adversely affected by the presence of fraudulent items, such as refunds or account credits.

Review and improve your customer support and complaint resolution procedures to ensure that issues are addressed promptly and effectively in the future.

I expect a prompt response to this complaint and a commitment from Credit Bureaus to address these concerns with the seriousness and urgency they deserve. Failure to do so will force me to consider alternative courses of action, including escalating this matter to relevant regulatory authorities or seeking legal recourse. I am asking for your assisstance to remove fraud items in my credit 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX called me on XX/XX/2020 at XXXX XXXX PST. When I answered, the other line " rang '' and was picked up by " XXXX '' from " CCS. '' Refused to identify themselves as debt collector, but said " business matter. '' I said, " if this is a debt collector, do not call me again. '' He asked, " Why is that? '' I said because I don't have to answer any of his f*ing questions, and he said, " OOOOOOOoooooooooooo. '' I said, I will report you. XXXX said, " Ohhhhh kay, so what's my phone number then? '' I hung up.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the fair credit reporting act XXXX  XXXX of XXXX XXXX XXXX account # XXXX 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 also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

Check my report and notice this account please I need to delete it because it is a fraudulent account and it harms my ability to obtain credit
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 : XXXX XXXX XXXX  Account number XXXX, Account name : CAPITAL ONE Account number XXXX, Account name : XXXXXXXX XXXX Account number XXXX, 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: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Acccount name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Credit reporting or other personal consumer reports

I have been trying to get the free credit report by creating an account but the company fails to allow me to create an account. I have tried multiple times in the past two days. The company refuses to create an account, asking to call. The call is never answered, as they are experiencing " an unusually high amount of calls '' every time I call. I have waited on the phone for hours multiple times.
Product: Credit reporting, credit repair services, or other personal consumer reports

I never really use my credit, I purchased a car and had no issues getting a loan for the car. So I didn't think there was any issues. My friend told me I should check on my credit, because dealerships, will ruin your credit. I reviewed my credit and found the following accounts. 

There is a XXXX XXXX XXXX XXXX XXXX account for {$360.00}. That account is not for me, I have never applied for that account ( Fraud ). 

XXXX XXXX XXXX, for {$120.00}, This is not my account. I have never applied for this account. ( Fraud ). 

XXXX account for {$960.00} This is not my account, I never opened this account. ( Fraud ). 

I attached my identity theft report and ask that these account, be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I file disputes with Experian and their response was that it wasn't made by me. SERIOULLY!!!!! ... I fill this is a stall tactic on their part and I should not have to go thru all this just to get my results. This is taking time away from my job to have to keep filing complaints. Please help me with this matter.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and I notice fraudulent inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

Duplicate MOHELA accounts reporting on my credit report which doubles my debt and significantly dropped my credit score.

Mohela took over loan servicing from department of education but the department of education loan still shows an active loan on my credit report.

So it appears that I have 3 student loans on my account totaling over {$110000.00}. I am only supposed to have one loan reported on my credit report.

This issue has negatively impacted my life and has caused a huge amount of stress for me. Ive been trying to purchase a car but my debt is too high and my credit score is not strong enough to receive the most favorable loan terms. The duplicative reporting is negligent on Mohelas & the Department of Education. Mohela wont even answer their phone & I cant speak to a live person. 

Please help me!
Product: Checking or savings account

I called XXXX XXXX  customer care on XX/XX/XXXX to advise them that I would be traveling overseas for around 3 weeks, and would be operating my business checking account with account number XXXX as usual while out of the country. The customer care representative I spoke with advised that they had notated the account to reflect that information. 
While attempting to access my account from overseas my account was locked thus preventing me from performing transactions necessary for my business. I made multiple attempts to reach the fraud unit to resolve the issue and each time I was informed that someone would contact me. That never happened. 
I returned on Sunday, XX/XX/XXXX, and contacted the fraud unit again on Tuesday, XX/XX/XXXX only to be told that I needed to reach out to my local branch to resolve the issue as only they could do it. The fraud unit never told me why the account was locked. Upon contacting my local branch in XXXX Texas, I was informed that the fraud unit had advised them that my account was locked because somebody accessed my account from California and tried to perform a fraudulent transaction. They provided my local branch with a check that was deposited through mobile deposit as proof of their allegation. 
This information is completely false because the check in question was an electronic check that was deposited by me via mobile deposit from XXXX. After the check was deposited XXXX XXXX rejected the check because it was not dated and sent me an email on XX/XX/XXXX stating the reason for rejecting the check. Upon receiving that information, we reached out to the customer who issued the check and informed them of the issue. Once the error was rectified, my driver took the physical check and deposited it at an XXXX XXXX location in XXXX XXXX Texas. The check cleared without issues. No attempt was made to re-deposit the rejected check via mobile deposit. 
My local branch advised the management of XXXX XXXX to reinstate my online banking since Wednesday XX/XX/XXXX, and they have not done so thereby causing me a lot of distress as I am unable to perform transactions that are typically performed through online banking. 
Please see attached a copy of the email from XXXX  rejecting the mobile deposit due to the absence of a date on the check.
Product: Payday loan, title loan, personal loan, or advance loan

On XXXX, XX/XX/XXXX I accessed my loan account online and paid off the loan via ACH transfer in the amount of {$22000.00}. The following day I found that the lender had debited my account twice for a total of {$44000.00}. I called the lender to advise of what happened, and they assured me that a refund check would be sent out within three business days ; I was quoted XX/XX/XXXX as the latest possible day it would be sent. I attempted to reach the lender by phone on Friday XX/XX/XXXX to confirm that the refund check had been sent, but was not able to get through to them. On Monday XX/XX/XXXX, I called and spoke with XXXX  ( XXXX? ), who advised that XXXX XXXX in accounting had placed a note on my account questioning whether I wanted a check or a refund directly back into my account. I advised XXXX that given the choice, I'd prefer a refund directly into my account. Several hours later I called again to confirm that this process had started, and was told by another representative that they could only refund via check. Further, I was given a timeframe of 30 days. Due to the error being on XXXX 's end, I do not feel that this timeframe is appropriate. The money in the amount of {$22000.00} that was stolen from my bank account should have already been refunded. I'm logging this complaint to ask for assistance with this process, particularly to expedite it.