23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On Monday, XX/XX/2018 XXXX XXXX XXXX contacted me 4 times in reference to a debt that I owe to XXXX XXXX XXXX. The first time that they had called me, I did not say " hello. '' The representative called my name, but I didn't respond. From there the representative called me a second time and left a voicemail message. The representative, by the name of XXXX, called me back twice more after that, which I have proof on my cell phone. Actually, I had to block his phone number due to his continuous calls. 

On Tuesday, XX/XX/XXXX, I called XXXX back. XXXX proceeded to explain that XXXX XXXX XXXX XXXX had placed a lien on my house for a {$17000.00} loan for an HVAC/central air conditioner, which I never received notice about. From there, XXXX aggressively stated my place of employment. He told me that according to the contract that I had signed that if I had defaulted on my loan and XXXX had a right to place a lien on my house to collect the {$17000.00}. I told XXXX that I did not have the {$17000.00}. He asked what amount I could pay. I told him that I didn't know, since he is the debt collector he should be able to give me an amount. I also said if a lien was placed on my home, then, why should I have to pay the loan back? From there, XXXX placed me on hold. The call was disconnected, but I had called XXXX back. XXXX told me that I had to pay {$4000.00}, which is 25 % of the loan. I told him that I didn't have that amount. XXXX asked what could I pay. I told him I didn't know. I told XXXX that I never received anything in writing or a letter from his company about this debt. XXXX also became agitated because I had asked him to explain what a lien is. XXXX became annoyed with me and began screaming at me over the phone. I told him that he was being unprofessional and he hung up the phone on me. I called XXXX back and he continued to yell at me. I called him unprofessional and an XXXX. I stated that if the call is being recorded then why is he being so unprofessional. Then, XXXX mentioned how my spouse 's name is on the contract and he would verify his employment the same way that he verified mine. XXXX stated that he would enforce that the {$17000.00} be paid by any means necessary. Then, he hung up the phone on me. 

Afterwards, I called XXXX XXXX and explained what happened to me. I spoke with a supervisor by the name of XXXX. I had explained that I had to pay an IRS debt, which is why I fell behind in payments. XXXX stated that my loan was charged off and her company couldn't really help me. She said I had to deal with the debt collector. I told her I could probably pay in XXXX, but I didn't want to deal with XXXX XXXX XXXX. I explained to XXXX that I didn't trust giving the debt collection agency any payments because the representative was so unprofessional. XXXX stated that she would reach out to XXXX XXXX XXXX to see if I can deal with another representative. 

I need help with this situation. The representative yelled at me, hung up the phone on me twice, attempted to intimidate me by mentioning my job and contacting my husband and harassed me by calling me 4 times in one day.
Product: Money transfer, virtual currency, or money service

I reached out to Bank of America to report a XXXX scam that defrauded me of {$3500.00} and was looking for reimbursement of those funds. They denied my claim, and I elevated the situation within the company, and denied it again. What they sent me was a letter stating that I should contact the person who scammed me for my reimbursement. When asked how to avoid this scam since they spoofed Bank of America 's number and acted as an official from their institution, I was told to always " hang-up and call back. '' This would delay my response to my account being hacked by at least :45 minutes. 

Here is my story : What occurred to me on XX/XX/2022 was, as I later found out, a common scam which has been going on for quite some time. What is even worse is that after the scam, within the hour, I called the Bank of America ( BofA ) fraud department and they told me they knew exactly where my money went ( XXXX XXXX ) and that this happens frequently. 

Instead of calling XXXX XXXX, they submitted this claim and I had to wait until XX/XX/2022, to receive an automated letter denying my claim. I then elevated my complaint to their " Executive Escalation Team, '' only to be denied again. 

I know BofA has stock in XXXX. It is an application that I have only used once and am unfamiliar with the workings of it. It is automatically on the BofA app, which I assumed means it was protected from fraudulent activities. It seems it is not. 

The person who scammed me, spoofed BofA 's primary phone number, sent me a verification text using the exact same fraud alerts that are " official '' BofA wordings and were verbatim when they called me explaining that I was scammed... only to find out later they were scamming me. 

All logical signs indicated that the person on the line was a BofA employee and the steps I was taking were done under distress as the primary goal was to ensure that no more money was taken. 

When doing a quick search online I have found that BofA has refunded a lot of people their money back from this exact same scam. I saw a class action lawsuit was filed against BofA because of this scam and all persons scammed were refunded their money. 

This is an issue where I received no notifications from my institution about this type of scam which has been going on for quite some time. Also, since BofA refunded others for this same reason, this same amount, and this same scam, I would like to be treated the same and have my money refunded. 

After being a loyal customer for almost 20 years, I expected better treatment. As a XXXX XXXX XXXX XXXX XXXX XXXX, I thought my treatment would have been better as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX Between the report I received in XX/XX/XXXX and the report from XX/XX/XXXX, this company has changed the dates of the last payment and the first date of delinquency. This greatly manipulates the statute of limitations. 

COMENITYBANK/VICTORIA Between my report from XX/XX/XXXX and XX/XX/XXXX this account is reporting different major delinquency dates with no account history. They are reporting a closed date of XX/XX/XXXX with XXXX. The reporting is inconsistent and falsely manipulates the statute of limitations. 

XXXX This account is reporting two different major delinquency dates between my XX/XX/XXXX and XX/XX/XXXX reports. They are reporting to XXXX a charge off date of XX/XX/XXXX. The reporting is inconsistent and falsely manipulates the statute of limitations. 

I submitted a request for verification in XXXX and a dispute in XX/XX/XXXX. These companies have been allowed to simply update/change inaccurate information instead of being removed from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

XXXX Employer : XXXX XXXX XXXX  XXXX Addresses : XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX, FL XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Equifax Employer : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX
Product: Credit card or prepaid card

Chase XXXX XXXX XXXX XXXX XXXX XXXX XXXX I make a {$1000.00} purchase of XXXXXXXX Points   and never received back my 20 % ( usd {$200.00} ) discount. I wait about 3 months, call customer service many times and never received my benefit.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I sent a letter to XXXX, XXXX, and Transunion disputing an account that should have been removed from my credit report after the account was paid off, but it is still reporting. I have allowed the credit reporting agencies more than enough time to investigate and remove the account, but they have ignored my request. I contacted the creditor and they stated that no one reached out to investigate the account so why is this still reporting on my account? I am demanding that the account XXXX XXXX XXXX is removed from my credit report within 15 days. If this account is not removed, I will seek legal action for violation of the FCRA, negligence, and distress due to incorrect information. Also, the creditor agreed for the removal of this account once it was paid off. Please see the attached letters that are dated and time stamped.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion havent reported or updated my XXXX XXXX account. Ive reached out to Transunion but issue hasnt been resolved. My next step will be legal actions, Im trying to get mortgage for my family and these updates are a major part of my credit. XXXX XXXXXXXX has reported my new balance and updated card usage Im Just waiting for Transunion to update.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I consumer XXXX XXXX, attempted to obtain my free credit report from the credit reporting agencies and I was getting an error, therefore I can not access this file.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this item? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the item listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ITEM? I believe you have not verified this item based on Section 609 ( a ) ( 1 )
( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX  XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX TransUnion
Product: Credit reporting or other personal consumer reports

Unauthorized charges in the amount of XXXX dollars was charged on my Revvi card between the month off XX/XX/XXXX to XXXX XXXX contacted Revvi support and disputed all charges against me and they sent me a letter stating that the unauthorized charges would be dropped but they still closed my credit card account after agreeing that I wasnt responsible for any charges
Product: Checking or savings account

I have several on line CDS with Barclays Bank US. Barclays Bank US, sent me an email, as they do every month on line Statements ready to view. When I logged into my account as I have been doing for the past almost 4 years not only was there no statement, but all the prior statements had disappeared as well, as if the accounts were non existent. 

I had also earlier written a review about Barclays Bank as I had become concerned about this Bank, when earlier I had inquired about Loans and interest rates. I was kind of shocked when they asked me did I have an invitation. They only lend by invitation, what a strange Bank I thought, so I asked them all the money I am putting in this Bank where is it all going? They refused to answer that question, so I did research about that and wrote a review on Barclays recommendations. This they deleted of course, as it seems they only want great reviews not truthful ones so they can suck in more people to deposit money. 

I had become so concerned that the quarterly filings Banks file on earnings etc, I asked them where I could locate that, so I could check their financial condition. Their response shocked me that is not available and they are not required to file. While they have FDIC Backing and supposedly my money is insured. My question is why is this Bank not required to file as all other Banks do?
I became so concerned that the one savings account that I had left that could be closed without Penalty I did, and requ
ested a transfer that same day of all the interest earned on my CDS. I was told that it would have to be one transfer. This again was not completed on the Business day of Friday as I requested, but then on Saturday it was done that I had requested transfer of this money, it was all individual transfers from each CD. I am very concerned about this problem of deleting Statements and not making them available to customers. Am I the only Customer this is happening to? Or is Barclays Bank retaliating against me because of the questions I have posed to them
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXXXXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any of the following items on an id theft report. Here are the following items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX ; XXXX, XXXXXXXX XXXX ; XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$8800.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX  ) XXXX Balance : {$940.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$420.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$420.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1400.00} ; XXXX XXXX XXXX XXXX Balance : {$840.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$400.00} XXXX XXXX XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$710.00} ; XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$8800.00} ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX 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: Money transfer, virtual currency, or money service

I purchase a digital course XX/XX/year> the correct service was not provided and i request a refund regard the service and that also a was guaranteed unlimited access to the course but once the refund was submitted access was taking away after i spent XXXX on the course the course rules was changes over time more then one time to fit the owner requirements to stop students from getting a refund the director even told if a refund was submitted that se would have course placed on my credit report i have been fight with chime bank for 2 year regarding mt refund i have submitted documents to chime over and over show how the digital course was a scam the teacher of XXXXXXXX  digital course stated that she would teach us how to start a credit repair company just like her i have a video of her stating that she will not teach us because she dont want to be in competition with us the teach is XXXX XXXX who is now facing federal charges for scamming and XXXX  for hire for the people who called her out for the scamming that she have done to others over a short period of time i have provided so many detail to chime bank but they continue to turn their XXXX  on loyal bank members i am reach out for help i have been facing the with chime over two year i feel as if no one in chime dispute team is doing the job to help the members who have face this scam even after documents have been provided
Product: Credit reporting or other personal consumer reports

This is my numerous endeavors 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, remove 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$5500.00} XXXX XXXX XXXX Balance Owed : {$650.00} XXXX XXXX XXXX XX/XX/2024 XXXX XXXX XX/XX/202XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Balance XXXX : {$5500.00} XXXX XXXX  XXXX Balance Owed : {$650.00} XXXX XXXX XX/XX/2024 XXXX XX/XX/2024 XXXX XXXX XX/XX/2024 XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance XXXX XXXX {$5500.00} XXXX XXXX  XXXX Balance Owed : {$650.00} XXXXXXXX XXXX XXXX XXXXXX/XX/2024 XXXX XX/XX/2024
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Formal Complaint Regarding Inaccurate Late Payment Reporting for Account # XXXX Dear CFPB, I am filing this complaint against XXXX, XXXX, and Equifax for their failure to correct inaccurate information regarding late payments reported on my credit report for the XXXX mortgage account ( # XXXX ). Despite submitting two prior dispute requests on XX/XX/XXXX and XX/XX/XXXX, the credit bureaus have neglected to make the necessary corrections, resulting in a continued violation of my federally protected consumer rights. 
Discrepancies : Last Verified : Only appears in XXXX. 
Last Day of Activity : Different dates across XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), and Equifax ( XX/XX/XXXX ). 
Closed Date : Reported only by XXXX as XX/XX/XXXX ; missing in XXXX and Equifax. 
Account Rating : Listed as " Closed '' in XXXX, but " Paid '' in XXXX and Equifax. 
Account Status : Reported as " Closed '' across all bureaus.

Payment Status : Reported as " Late 60 Days '' across all bureaus. 
Violations : Fair Credit Reporting Act ( FCRA ) : 15 U.S. Code 1681i : Credit reporting agencies are required to ensure the accuracy of information in consumer files. My repeated disputes have not been adequately investigated or corrected. 
15 U.S. Code 1681b : The reporting of inaccurate late payments violates my right to privacy and ensures only accurate data is furnished to third parties. 
Truth in Lending Act ( TILA ) : 15 U.S. Code 1666b : Creditors must send periodic statements at least 21 days before the due date to avoid late fees. The reported late payments indicate a failure to comply with this requirement. 
Protection Against Non-Payment of Obligations Act ( PAANL ) : This act underscores the responsibility of creditors to provide timely statements, which appears to have been neglected. 
Impact of Errors : These inaccuracies have caused undue harm to my creditworthiness, including potential denial of credit opportunities and higher interest rates. 
Desired Resolution : Immediate removal of the late payment notations ( XXXX and XX/XX/XXXX ) from my credit report across all three credit bureaus. 
Written confirmation from XXXX, XXXX, and Equifax verifying the corrections. 
I have attached supporting documentation, including copies of previous dispute letters and my credit reports highlighting the inaccuracies. If this issue is not resolved promptly, I will escalate my complaint further, including potential legal action and filing additional complaints with relevant agencies. 
Thank you for addressing this matter. Please confirm receipt of this letter and inform me of any actions taken to resolve my complaint. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I filed a formal complaint with XXXX XXXX XXXX, XXXX regarding XXXX unauthorized credit inquiries that appeared on my credit report. These inquiries, dated XX/XX/XXXX, and XX/XX/XXXX, were made without my knowledge or consent. Concerned about these unexplained entries, I requested proof of authorization and questioned the accuracy of the entity names listed on my report. 
In my complaint, I highlighted the critical importance of safeguarding personal information and ensuring compliance with the Fair Credit Reporting Act ( FCRA ). Given the seriousness of the issue, I escalated my complaint to the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) for further investigation. 
By sharing my experience, I hope to raise awareness and assist others who may face similar challenges with unauthorized credit inquiries and issues related to credit reporting agencies. 
It is essential to understand that the name of a company must exactly match the name of the registrant as specified in its legal documents, such as articles of organization, articles of incorporation, certificates of formation, or charters. If the company name on a credit report or legal document does not precisely match the registered name, it may not be legally recognized as the same entity. This distinction is crucial because it can differentiate between a legally recognized organization and a nonexistent one, potentially invalidating contracts, disrupting the enforceability of agreements, and complicating legal proceedings. Ensuring the correct legal name is used, especially on consumer credit reports, is not just a formalityit is a fundamental legal requirement that protects the integrity of financial transactions and upholds consumer rights.