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

On XX/XX/XXXX I received an email notification to fund my new Account at BOA. I have accounts currently with them but did not request a new one. I contacted them on XX/XX/XXXX. Reported the issue was told it was opened inside a branch. Have not step foot in BOA in yrs. they sent me documents to fill out I sent them back. They posted the documents to the claim on XX/XX/XXXX. The account has been frozen and overdrawn since XX/XX/XXXX for almost XXXX dollars. I have been calling Bank of America once a week now and still no update. And now Im been told today that they dont know how the account was open and the Claim is still in process this has been going on for over a month now. This is now on my bank statements in which will hurt me in the long run to purchass a home
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and XXXX refuse to remove the three accounts on my credit, XXXX removed them already. XXXX REMOVED ALL EDUCATION ACCOUNTS BECAUSE THEY ARE NOT MINE! They belong to my aunt with the same exact name as me by marriage! Remove or Im getting a lawyer!
Product: Credit reporting or other personal consumer reports

I pulled a copy of my credit report and noticed a charge off, which is defined as debt that has been XXXX that your agency took a tax write off on. After I contacted the IRS, they explained that it was illegal that you were reporting this information on my credit report, with trying to collect or having a charged off status. 

According to the IRS, this is tax fraud and I am not afraid to report you for this. As is my right, I am demanding that you DELETE this inaccurate information from my credit report and demand you to send me a copy of the XXXX to the address above or via email. 

Your agency has violated the maximum possible accuracy law under the Fair Credit Reporting Act ( FCRA ) which is 15 USC 1681e ( b ) as you are clearly reporting information that is NOT 100 % accurate. Should you continue to report this information, this leads to you violating 15 USC 1681s-2, because you now have reasonable cause to believe the information is inaccurate, so you would WILLFULLY continue to violate various federal laws by continuing to report this information thats harming my character.
Product: Credit reporting, credit repair services, or other personal consumer reports

After their reinvestigation on my credit files. They stated that the items have been deleted from my credit files. That they have taken all steps that the items will not reappear. I have sent in there letter head with their name on it showing that this is your company LOGO, stating that these items will not reappear, but a year later they come back up. I have faxed documentation to them showing what their results was. Please asked them to take care this matter immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I talk with a supervisor with Experian on the conversion I was told to get a Letter from US bankruptcy court.. Soon I receive the letter I sent it Certified mail on XX/XX/XXXX to Experian.. On Today XX/XX/XXXX they update my credit file & the Bankruptcy still on my report this is against the law. I spoke with a Second Supervisor his name was XXXX told me that the letter was correct & this Bankruptcy will be remove. I will upload the letter i sent to Experian. The County Recorder of Deeds and the Bankruptcy Courts have both mailed me letters which emphatically stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or other third party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the Recorder of Deeds nor the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW.
Product: Debt collection

I only had {$900.00} to pay now all a sudden it's at XXXX ... ..i was making payments but I guess it was not good enough for them. If there is a garnishment to my pay. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Stop contacting me I owe nothing to these XXXX  trying to over charge. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Good afternoon, The account is in deferment until XX/XX/2026, but the credit bureaus : XXXX and XXXX keep reporting it back as open. I would like this to be properly reported as deferred and not open. Thank you. I have included the deferment letter.
Product: Debt collection

Convergent Outsourcing Inc. has placed a collections account on my credit record. I do not owe the debt and requested detailed account information from the original agency and/or Convergent. After disputing through XXXX I received a letter from Convergent indicating the " debt is valid, attached is verification of debt ''. The attachment was a bill to a XXXX XXXX, XXXX XXXX XXXX, XXXX, TX XXXX from XXXX XXXX XXXX. This is NOT my account and needs to be removed from my credit bureau file. I have attached the documents that Convergent sent me to verify debt.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX XXXX ), Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private DOB ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agencies, 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 a personal auto loan account opened at XXXX XXXX XXXX $ XXXX XX/XX/XXXX under the account number ( private ), an a collection account opened at XXXX XXXX XXXX on XX/XX/XXXX {$11000.00} under the account number ( private ), These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the past 12 months, I have attempted to access my XXXX  credit score via the XXXX XXXX service offered to Chase customers and via XXXX However, I have been unable to access my information. I have contacted XXXX and Chase about this several times to no avail. My last communication with XXXX on the matter ended with the phone agent telling me that I can not get a credit report from XXXX because I have an ITIN instead of an SSN. However, having one of the 3 major credit bureaus NOT report my credit, severely impacts my overall credit history and opportunities with financial companies. Today ( XX/XX/2018 ) I have called XXXX 7 times and Chase once on this matter already. 



Furthermore, recently I applied for a new Chase credit card and I was offered a credit card by having my credit limit reduced on another credit card I had with them. This makes me believe that Chase can not properly obtain my credit report information from XXXX ( Chase uses XXXX ) as XXXX and XXXX XXXX have given me quite good credit cards based on FICO scores of 750+ reported by either XXXX or XXXX XXXX XXXX 

Therefore, I would like for this matter to be looked at as I believe XXXX is not properly reporting my information because I have an ITIN which is having a negative impact on my financial history.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone was using my first name and my last name capital one account They were using a platinum card under my name Capital One found it is a valid fraud and I was told I was going to be sent a letter concerning invalid fraud and still have not got the letter.
Product: Credit reporting or other personal consumer reports

Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Early Warning reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. 
This fraudulent, inaccurate, and false information consists of an Inquire from XXXX  on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX  on XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX  on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, And a collection account from XXXX XXXXXXXX XXXX XXXX opened on XX/XX/XXXX with account number XXXX. 
These accounts have resulted in several fraudulent hard i nquiries and fraudulent collections appearing on my consumer FICO credit report.

I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulentitems.

I do not recognize the aforementioned accounts, collections, or hard inquiries as reported.

The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me.

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 # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Student loan

I am trying to resolve a derogatory statement on my credit report, but Navient can not seem to locate my account, nor provide a reason as to why they are still reporting on my account. 

I do not understand how they can report on the account without knowing who they are reporting against.
Product: Credit card or prepaid card

My father, XXXX XXXX XXXX and I have an account together. XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX broke into our home, stealing the keys, checkbooks, banking statements and other personal information. They are not included on none of my father 's banking statements. They were never XXXX  XXXX. They should not be accessing personal information. Wells Fargo bank has allowed XXXX XXXX, whom is not a legal guardian, who does nothing for My father, who is not his daughter, to access personal banking information. These people are not even his children and they are not included on birth cerificates. Wells Fargo was supposed to wait until my father got home from rehabilitation to receive a new card. Wells Fargo also changed an account number that they were not supposed to. my father was shocked when he heard that the XXXX number was changed. My father and I are on several accounts together. You can call to certify that at this time. We need to sign, additional, documents.
Product: Mortgage

I recently refinanced my home, and the subsequent loan was purchased by Lakeview Loan Servicing , LLC. They use " XXXX '' as a intermediary to electronically service their loans. The company - Lakeview / XXXX, are incredibly unresponsive, and the effort makes it difficult to set up electronic payments or receive any sort of customer service. It should be noted the company allows phone mortgage payments, for a fee of course ( how convenient ). 

Several phone calls for assistance in setting up my online account resulted in not being able to reach a live person ( I just went through menus and was hung up on - not able to reach a live person or leave a message ). Several emails to customer service have resulted in no follow up, after a period of 5 to 7 business days.
Product: Credit reporting or other personal consumer reports

the company is reporting my account payments incorrect, there should be no late payments. Everything should say on time
Product: Money transfer, virtual currency, or money service

I sent a domestic USD wire transfer from XXXX XXXX XXXX. The Intermediary bank is JP Morgan Chase. Apparently I entered the incorrect information into the wire and JP Morgan Chase couldn't deliver it, so instead of returning it to XXXX XXXX Bank. JP Morgan Chase just kept it. Did nothing. Nothing, so now we have to formally request an investigation and a refund of the wire transfer. There is no timeline on this. Could be 5 days, it could be 50 days. I hope it's sorted quicker but if the bank just decides to keep it in the first place do you think they're going to return it quickly upon request? To me this is theft. It's been 7 business days and Chase has done nothing with the money. It's in some spot in their bank just hanging out, earning interest for them, without any regard the the end consumer. We were going to use this money to buy a house next week. I mean my XXXX. My mistake sure, but then when you can't deliver it, return it. That's what the XXXX XXXX XXXX does when they can't deliver a letter. It's what any reasonable person would expect to happen. The routing number for Chase is XXXX. 

Detail Information of ACH Routing Number XXXX Routing Number XXXX Bank JPMORGAN CHASE Address XXXX XXXX City XXXX XXXX  FL ZIP XXXX Phone ( XXXX ) XXXX The reference number from XXXX XXXX is Reference number XXXX
Product: Checking or savings account

Chase account number XXXX branch XXXX XXXX XXXX XXXX Branch -XXXX XXXX AZ XXXX with Chase bank plus savings, saving CD account XXXX, XXXX checking account XXXX and checking also premier platinum checking and XXXX all under XXXX XXXX XXXX and or XXXX XXXX XXXX XXXX My elderly mother XXXX XXXX XXXX that is really legally XXXX XXXX XXXX XXXX XXXX has gone to all of the accounts above and drained the accounts moved them to same bank under new accounts and closed my accounts without permission and the bank will not allow me access or transcripts. My mother has accused me of theft and my lawyer has requested transcripts. My mother is under and has been under my care as Power of attorney for her welfare. I need help as my rights have been violated.
Product: Debt collection

I received a Payment Offer letter in the mail from AMSHER COLLECTION SERVICES INC with payment plan options for an alleged balance that is not mine and that I do not recognize. There is no information on this flyer that states how to dispute the alleged debt. This is the only mailing I ever received from AMSHER COLLECTION SERVICES INC. 

On XX/XX/2024, I requested verification of the alleged debt from AMSHER COLLECTION SERVICES INC. Specifically, I requested a copy of the final bill for the amount AMSHER COLLECTION SERVICES INC alleges I owe. AMSHER COLLECTION SERVICES INC never responded to my request, nor did AMSHER COLLECTION SERVICES INC provide verification of the debt or the alleged owed balance.

AMSHER COLLECTION SERVICES INC reported this alleged debt to the credit bureaus and it has negatively impacted my score by nearly XXXX XXXX. AMSHER COLLECTION SERVICES INC never provided me with information on how to dispute this alleged debt and never verified I owed the debt, which is against the law. 

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

Wells Fargo has not reported any payments to my loan account from XXXXXX/XX/XXXX til XXXX XX/XX/XXXX. I have never received or got any notifications that credit reporting from this company had been disabled due to COVID-19. As of XXXX XXXX, I have yet to receive notification of any law or regulations stating any delays in reporting loan payments to any credit bureaus. On XX/XX/XXXX, I logged into my XXXX credit report to find that Wells Fargo marked me 30 days late for XXXX  XX/XX/XXXX, when they had not reported to any credit bureaus since XXXXXX/XX/XXXX, before then XXXXXX/XX/XXXX. On XXXX XXXX, XXXX, I made a web payment of {$880.00}. On XXXX XX/XX/XXXX I made another payment of {$1300.00}, which pushed my next auto loan payment to XX/XX/XXXX. But yet, they have marked me 30 days late for XXXX, when clearly XXXX was paid during the month of XXXX. I spoke with a customer service rep on XXXXXX/XX/XXXX at Wells Fargo that stated XXXX payment should not have been reported late and advised me to dispute the issue. Per checking my payment history with Wells Fargo there is a principal receipt of {$120.00} that has never been reported to my payment history or to the credit bureaus. Can you please correct this. Principal and interest is already added into the loan upon being approved for the loan. So why is more principal added in the middle of a loan agreement. It was also reported to The credit bureaus as a charge that increased my loan. Sounds like a scam to me. As of today XXXX, XXXX and XXXX has wrong information on this loan. They have not been updated in months. The only reason XXXX got updated is because I made a payment and it triggered a response from them, but its still incorrect. Before this, they had not been reporting correctly or even at all. My balances are incorrect on every credit report, but the Wells Fargo app is showing correct payments on time and a decreased balance per the payment I made in XXXX. I have never had a late payment on my credit from Wells Fargo. There was no indication to me, that any of this type reporting was legal.
Product: Credit card or prepaid card

Wells Fargo has again issued a debit card without our request that would access our savings account. It also happened about 2 years ago. It is very upsetting because we didn't ask for it and it accesses our savings account. We already have debit cards that access our checking account. Like we told them last time, we don't want the card and we were upset that a debit card would access our savings account. We have had debit cards compromised before, which seems to happen easily at gas stations and ATM 's per our experience and reading about other people 's experiences. 
Even if our debit cards or checking account are compromised, we don't want the bad guys to access the money in our savings account. Both 2 years ago, and today, they canceled the card and confirmed that our debit cards can not access our savings account. But it seems very wrong to issue credit cards without our request, especially credit cards that access savings accounts! 
We don't need any response or action, but Wells Fargo should stop doing this! 
Thank you, XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, OH XXXX XXXX XXXX Social Security Number : XXXX XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX PA XXXX Subject : Immediate Request for Account Deletion Due to Identity Theft Under FCRA and Relevant U.S. Code Dear TransUnion Consumer Solutions, I am writing to dispute inaccurate information on my credit report under the Fair Credit Reporting Act ( FCRA ). Upon reviewing my credit report, I found an account with XXXX XXXX XXXX that was fraudulently opened in my name due to identity theft. 

Please remove collection fraudulently account : XXXX XXXX XXXX Opened : XX/XX/XXXX I did not open this account, and I am not responsible for any charges or payment history associated with it. This fraudulent account has resulted in negative information on my credit report, including late payments, which I request be removed immediately.

Under 15 U.S. Code 1666 ( b ), consumers have the right to dispute billing errors, including unauthorized charges.

Additionally, 15 U.S. Code 1637 ( a ) requires that creditors provide clear statements of account opening, which I did not receive or authorize. These protections, in conjunction with the FCRA, support my right to dispute and have deleted any fraudulent or inaccurate account information.

Enclosed are the following documents to verify my identity and support my dispute : Enclosed are the following documents to verify my identity and support my dispute : 1. A copy of my government-issued ID.

2. A copy of a recent utility bill ( to verify my address ).

3. A copy of my FTC Identity Theft Report, reference number [ FTC report number if available ].

Under the FCRA, you are required to investigate this matter and respond within 30 days. I urge you to prioritize this case and confirm the immediate deletion of this account.

Thank you for your prompt attention to this urgent matter. 


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

I've send numerus letters to each credit burial and they keep telling me the same things over and over again. I've asked for my credit report and for them to change my address and name, there still reporting incorrect information. I've also sent them letters on unauthorize inquires that have been made to my credit. I'm really having a difficult time on obtaining credit. I'm in need of a vehicle and now I cant get one due to many incorrect inquires that have been made on my credit reports.
Product: Credit card

Carecredit has a system in which you can do a 6 month interest free payment plan. If you have multiple promo purchase charges open they used to apply your full payment to the oldest/one that would accrue interest soonest, which makes sense and is how the customer would want to pay off. Now however, they've switched the system to spread your payment across all the charges. So if you had a {$30.00} expiring promo period and XXXX others not expiring for 5 months and put {$30.00} towards your card it would put {$10.00} to each rather than paying off the {$30.00}, allowing the one not paid to charge interest since the grace period then expired. 

When working with the company they have informed me that every time I make a payment I will need to reach out to customer service to ask them to allocate the payment to the expiring promotional charge. Every time. This is not customer friendly, but I've attempted to do this and each time they have not followed directions and paid off XXXX and spread the rest ( after being told to apply it to XXXX specific purchases that were expiring soonest for example ). Then when checking back to make a payment later it is seen that the interest has been charged on the payment the customer has assumed has been paid off. In other words, the customer has to keep a keen eye on checking back and contacting again to be sure their payment is done properly or carecredit charges interest that the consumer may not notice unless they checking back. This makes it quite easy to take advantage of customers, especially those who may not be as careful. And as this card is touted as good for medical payments, this can be a large class of people that are easy to take advantage of. 

This system seems to be set up for carecredit to make money off the interest charges that would otherwise not be accruing. My own payment has been fixed ( after multiple contacts with customer service and escalating to a manager ). I have put in complaints before but they only do it on their end and will not give you contacts to place your own complaint, so I'm not actually sure if complaints are actually ever placed with them or they just tell you they are to keep you quiet. I may have fixed my own issue, but I worry for the people that can't be as careful/on top of their payments that carecredit can take advantage of them too easily, since it does seem to be set up now for that to be the case. I hope someone can look into this as it seems quite predatory.