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

Bank of America Prepaid Department. On XX/XX/XXXX I received an email that my prepaid card had been ordered. On XX/XX/XXXX I called into Bank of America because I hadnt received the card yet. The rep told me it showed delivered & that there was also activity from XXXX at the XXXX store on a previous card. I havent accessed this account since XXXX, nor did I even have a previous card to use in my possession. I believe there was maybe less than {$1.00} in the account at the time since I hadnt used XXXX since XXXX. I reported this as fraud & ordered a new card. During this time I kept receiving money from XXXX but was locked out of my online BOFA account ( probably hacked ) & was told by a rep that I needed to wait until I received my new card to reset password. On XX/XX/XXXX I received an email from BOFA about my card & to call if it hadnt been received yet. I called in & the rep told me I needed to wait longer despite what the email said. Then on XX/XX/XXXX I had an email come in overnight from BOFA regarding recent activity & showing {$2900.00} had been spent & the card was activated. I immediately called in & reported the fraud. I then ordered a new card for the XXXX time, but this time they went via XXXX instead of USPS. I then received the card 2 days later. Fast forward to now, BOFA has denied my fraud claim 4 times despite them having ATM footage & doing all they asked. I have a police case regarding the stolen money and even filed a report with the XXXX XXXX in case this was possibly mail theft. I provided BOFA with the police case & cover page as well. I now think this may be an inside job at the BOFA branch, as I also found out my identity was stolen mid XXXX. Before receiving the card, I had to give my social over the phone to BOFA reps in order to verify my identity. I now think there is a correlation. I feel the prepaid BOFA XXXX are either discriminating or corrupt, as this should of been an open/shut case. Im at my wits end & dont know what else to do.
Product: Debt collection

There is account reporting inaccurate information on all three of my XXXX, XXXX and XXXX   credit reports. I have tried repeatedly to reach AMEX/American express to fix the incorrect information on my credit reports. Its stopping me from getting a home mortgage
Product: Money transfer, virtual currency, or money service

This is a phishing scam from someone other than XXXX  who is impersonating the company in order to get funds from me. This is in regard to an item in the front of my desk that I have up for sale on XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I submitted my dispute to all XXXX major credit reporting agencies and I havent received any correspondence from neither reporting agency and I have proof of my dispute was delivered and it is pass the 30-45 mark. 
XX/XX/2022 XXXX XXXX {$1500.00} XX/XX/2022 XXXX XXXXXXXX XXXX XXXXXX/XX/2022 XXXX {$19000.00} XX/XX/2022 XXXX XXXX XXXX {$610.00} XX/XX/2022 XXXX Fed XXXX XXXX {$150.00} XX/XX/20XXXX XXXX XXXX XXXXXXXX {$1300.00} XX/XX/2022 XXXX XXXX XXXX {$2200.00}
Product: Debt collection

XXXX XXXX has been attempting to contact me for a debt owed on my XXXX XXXX credit card for the past few weeks. However, they have been calling up to 7 times a day from an Unknown number, and have never left a message to identify themselves. On some days, they have called so many times in a row in such a short time, my phone has been allowing it to break through my Do Not Disturb mode as an emergency call. I work unusual hours, so they've been interrupting my sleep on several occasions. 

I only know it is them, because I have picked up the 'Unknown ' call on two occasions. Once, I hung up because nobody came on the line. The other time, I said that I would call back at a better time. Due to their frequent calls, I decided instead to collect logs and report them for their violations. 

Dates/times, per my phone logs : XX/XX/2019 XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX - Spoke to someone at this time, said I would call them back. 
XX/XX/2019 XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX Also, a note : Even after speaking to someone at XXXX on XX/XX/XXXX and telling them I would call back, they proceeded to call 4 more times that day.
Product: Credit reporting, credit repair services, or other personal consumer reports

Received 2 letters of delinquent lease account. Chase auto finance is claiming I have {$10000.00} due on lease when creditor offered to zero account balance upon return of vehicle. They offered complete credit of payments due for early return as compensation for misreporting my account as delinquent for almost one year. They couldnt find root of problem why my account reported delinquent when all payments had been made in a timely fashion. 

I do not owe any money on this account. It should be closed with a zero balance. 

I have attempted to escalate this within their corporate office aka reps that take escalated calls. I have been unsuccessful getting a manager to call me. 

I have requested no less than 7 times for XXXX XXXX, the rep at Chase to have a supervisor contact me to better explain the situation. 

Vehicle was returned XXXX and Ive heard from nobody from Chase since.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone Used my personal Information to commit Fraudulent Activity 's on my Credit I don't no how they did it but theses Accounts was not open by me i did not give anyone consent to open these accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

This is an unauthorized inquiry.
Product: Checking or savings account

Dates/ Amounts I was made aware on XX/XX/XXXX, of unauthorized debit transactions made on my personal Checking account with Citibank. The unauthorized transactions began XX/XX/XXXX of {$500.00} increments, lasting through XX/XX/XXXX, totaling {$43000.00}. XXXX has sent monies internationally XXXX XXXX account. Per legal representation. The monies were transferred from my personal checking at Citibank to a XXXX credit card. XXXX has purchased with unauthorized funds lands on international soil, Title of Deeds, vehicles. 

Actions Taken By I filed a police report regarding the unauthorized use of my personal account with the XXXX Police Department on XX/XX/XXXX for deceptive practice Report # XXXX. I requested an formal investigation via legal representation on XX/XX/XXXX to XXXX government official against XXXX XXXX, aka XXXX XXXX, XXXX XXXX XXXX XXXX. I also reported this theft to XXXX XXXX and commanding officer of XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been proven that you are not abstracting records when I sent a copy of 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 Balance : {$0.00} XXXX  XXXX Balance : {$200.00} ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$170.00} XXXX  XXXX Balance : {$13000.00} XXXX XXXX Balance : {$18000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX paid off a vehicle lease several years ago. However, the loan company Nissan-Infinity still has me reported with a balance of {$350.00}. That is not possible if this same company shows the lease status as a full termination. I have protested this reporting with XXXX and the matter was not sufficiently completed with a proper reinvestigation. Accordingly, I believe the matter should get resolved, whereas the balance should show as XXXX. This correction is necessary to fulfill the obligation of Nissan-Infinity with XXXX  under their subscriber agreement with the credit reporting agencies in general. This credit item needs to be corrected immediately.
Product: Debt collection

Constant emails and phone calls all hours of the day. And very difficult having them Answer questions
Product: Checking or savings account

On XX/XX/XXXX NCSECU in XXXX XXXX NC, executed a teller withdrawal from my savings account in the amount of {$950.00}. They stated it was from an issue back in XXXX. I have no record of that issue and they can not show adequate information to support their action.
Product: Mortgage

I received a letter from Guaranteed Rate stating that I have not provided " Hazard Insurance '' for my home located at XXXX XXXX XXXX XXXX XXXX IL XXXX. They paid the bill and received the rider for the insurance in XXXX from escrow. We have a previous complaint that was filed although they replied with a resolution it was not just. At this point they are just harassing me for no reason at all. I will attach a letter from Guaranteed rate that specifically recognizes the coverage and yet we receive letters requesting proof of insurance. Also, I will attach the invoice that was paid out of escrow ( LATE! ) by Guaranteed rate. Harassment, plain and simple.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XXXX I filed disputes with all 3 bureaus and still no change on my report. There are collections on there that should not be be on there and charge off too.. I do not understand why this hasnt been fix yet. What does it take to have something remove that should not even be on there in the first?
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' Furnisher of information to credit agencies is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' Furnisher of information to credit agencies the financial institution and the Consumer reporting agencies XXXX, XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX and XXXX that Furnisher of information to credit agencies whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also XXXX XXXX XXXX states that " A consumer XXXX exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/year>, I initiated a purchase with XXXX using the XXXX platform called Klarna. The purchase did not go through because I never received a confirmation code from XXXX. Klarna never forwarded purchase request to XXXX and will not show the information where XXXX was paid using their one time use card. Over a month passed since I filed my original request for cancellation of transaction. I contacted XXXX but without a confirmation number they are not able to investigate or track order. I provided them the number of the one time use card from the app. But still not helpful. I do not believe Klarna conducted any investigation within the past month because as of today XX/XX/year> Klarna request the same information I provided earlier. Klarna requested the following information below : - Screenshot of the order confirmation from XXXX which includes all the items in the order and individual pricing. XXXX XXXX : I never received this from XXXX. XXXX never generated this because there was no request from Klarna. 
- Screenshots of communication via chat or email with XXXX trying to resolve the issue. If you have not yet reached out to XXXX, please do so first XXXX : I reached out via telephone. XX/XX/year> & XX/XX/year>. XXXX unable to provide transcript. 
-Tracking number and shipping company for your order, if this has been provided by the store. XXXX  : I never received a tracking number or any information on shipping. 
- The expected delivery date as provided by the store. XXXX : XXXX has no record of the order being generated. 
- Which article is missing from the orderXXXX XXXX : XXXX DRAWER SET- which I never received information I already provided. 

Klarna stated their investigation is complete and neither myself or XXXX showed information to cancel transaction. So did they reach out to XXXX? I have nothing to reference. See below copy of message i received. ~~~~ Dear XXXX, We are contacting you regarding your statement XXXX from your order with XXXX. 

Based on the information and evidence provided by both you and XXXX, we are unable to rule in your favor because you did not provided all the requested information. 

We encourage you to contact XXXX directly to discuss any issues you have with the product or service. They may be able to provide further assistance or offer a resolution that meets your needs. 

Based on this information we have now reactivated the statement for payment. An up-to-date copy of your statement, including payment information will be emailed to you shortly. If your statement is already paid, no further action is required. Please log in to your Klarna app or Klarna.com for an overview of any outstanding statements and current payment statuses. 

We wish you a pleasant day. 
XXXX Customer Service Representative Dispute Resolutions Klarna INC
Product: Credit reporting, credit repair services, or other personal consumer reports

Hard inquiry dated XX/XX/XXXX by XXXX XXXX still appears on my Experian credit report more than two years later on XX/XX/XXXX. See attached relevant pages of my credit report dated XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir, My wife and I need some help with regard to outlandish practices by the credit bureaus. We have worked hard to clean up our credit and have seen gradual improvements to our scores. This month our credit utilization went up not too much. Our credit cards payments have been on time, sometimes paying twice a month. Now because of the utilization increase outcredit scores dropped nearly 60 point! That outrageous. This just made the difference from buying a house to not being able to. We can understand a slight fluctuation in scores but 60 points is insane. I called Trans Union and am just getting the run around. They claim they can't even tell me what my utilization is! If that's the case then how can they calculate anything? This is ruining our lives. We are just about to graduate as substance abuse counselors. as we had to retrain because of covid job losses, and hoping for a bright future. This has destroyed our lives. Again, this is not because we were late paying, just an increase in utilization for a month. Please could you suggest how we can make these agencies see sense. 

Sincerely, XXXX XXXX
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXX, have violated my rights. 

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

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Checking or savings account

I was scammed and Bank of America closed my account. I had money saved in my account which I never received. I provided them with my complaint opened a fraud claim. I received a letter saying they don't approve my fraud claim. I have a copy of everything I can show they never asked for any other information other then what they have on record.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( XXXX XXXX XXXX XXXXXXXX. XXXX, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions XXXX also contravene the Consumer Financial Protection Act ( XXXX ), XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as highlighted in the CFPB 's recent administrative proceeding XXXX XXXX XXXX XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting or other personal consumer reports

Recently i did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below.

In violation of the Fair Debt Collection Practices Act. I do not know any of the alleged creditors and debt collectors. 
I never sat across a table from any of the alleged creditors and debt collectors and never entered into a contract with any receiving a meeting of the minds. No valid contracts exist. All allege contracts are completely fraudulent an the attempt to enforce a fraudulent contract is unlawful due to the contract being created through the illegal activity of identity theft and power of attorney fraud. Please show good faith in this matter by expediting the securing of the alleged information listed on your sight in order to avoid me receiving further injury, damages, and losses due to me being a victim of identity theft. 

The Fair Billing Practices Act is intended to secure my right to privacy and my privacy has been breach so that's violate my rights under The Privacy Act of 1974 :, I am sure the removal of my information from your website will ensure my privacy rights won't be violated again due to my lack of consent.
Product: Money transfer, virtual currency, or money service

Tried to transfer money from my us account so phoned them as I live in the XXXX now said they wouldnt do it over the phone and I had to contact an institution and write a cheque so I contacted XXXX XXXXXXXX XXXX 3 months ago just heard back that my bank is refusing to acknowledge any paperwork they send what can I do about it
Product: Student loan

I have been contacting Account Control Technology since XX/XX/2020 at phone # XXXX about selling the debt for my student loans. My employer was contacted directly via mail for 15 % wage garnishment but I was never contacted. Every time I have called, I get differing amounts of what my student loan amount is. I finally settled the debt on XX/XX/2020 and spoke with XXXX. She has not processed my payment and would not give me a confirmation for my payment. My job has now sent my wages on XX/XX/2020 and I feel I will be frauded as they have my payment and are now receiving more of my wages on an account i I have settled. They have not contacted my employer to stop the wage garnishment and will not call me back or forward me any information in writing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Creditor Name : XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXXXXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX  XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX   XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX   XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX I have disputed these items by letters with all three credit bureaus.