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

Bank of America -- which is already under investigation by CFPB -- has set up its credit card payment system online in a manner that is not consistent with any other card company AND they do not disclose to the customer that if the consumer selects the payment due date on their online payment form and requests transfer from their bank account to Bank of America on the due date that this simply ( in the words of CSR at BOA ) " starts the process of payment '' which can then take " up to 24 hours '' to complete, meaning that BOA may then delay the payment and charge a {$39.00} junk late fee for people who have actually paid their credit cards on direct ACH from the bank to BOA on the day it is due. I contacted BOA about this and they " filed a report '' with their internal department and when asked, indicated that they " don't follow up on such reports with their customers. '' I have paid off the balance on this card and will not use it again. This is a fraudulent enterprise and they do not deserve my interest payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was XXXX  in XXXX until XX/XX/XXXX. Someone opened accounts in my name fraudulently. I went through XXXX XXXX and XXXX to dispute these and these companies told me to report it to you also. The accounts are as follows XXXXXXXX XXXX XXXX  opened XX/XX/XXXX in the amount of XXXX XXXX ( I was in XXXX XXXX ) XXXX XXXX XXXX accounts dates opened are XX/XX/XXXX, amount XXXX XXXX XX/XX/XXXX unknown amount, XX/XX/XXXX unknown amount ( also in XXXX  for these dates ) XXXX XX/XX/XXXX {$550.00}, XXXX XXXX XX/XX/XXXX {$3500.00}. XXXX XXXX  XX/XX/XXXX {$460.00}, XXXX XX/XX/XXXX amount {$660.00} ( these are collections from dates I was in XXXX. Also two XXXX Massachusetts addresses Ive never known or lived at. I attached my XXXX background check shows my dates I was in jail and how much time I got. To show I was in XXXX. Along with my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX XXXX has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX has violated my rights. 

XXXX5 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
Product: Credit reporting, credit repair services, or other personal consumer reports

After noticing an entry on my credit report from Consumer Portfolio Services , Inc. ( CPS ), I disputed it. The dispute was sent to all three ( 3 ) credit bureaus, as well as CPS directly. I did not receive a response until after I filed a complaint with this agency ( please see their response attached ). I followed the instructions provided in their response which reads as follows : " ... If you still insist this is a matter identity theft, please file a police report with your local police department and send it to our Credit Report Response Team for investigation at Consumer Portfolio Services , Inc., Attn : Credit Report Response Team, XXXX. XXXX XXXX, XXXX, CA XXXX ... '' I sent another letter, with police report enclosed. I then received a vague response, not remedying the problem. I replied with another letter asking for clarity. More specifically, what outside of the police report they requested, do I need to have this entry removed. They did not reply. Therefore, I still lack the clarity necessary to remove this fraudulent entry from my credit reports.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute certain items listed on my credit report under the provisions of the Fair Credit Reporting Act, specifically 15 USC 1681e ( b ) and 15 USC 1681i ( 5 ), which require that all information on my credit report be 100 % accurate. After reviewing my recent credit report, I have identified several inaccuracies that I believe warrant correction or removal. 

The accounts in question are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please note that the information listed above contains inaccuracies. According to the aforementioned sections of the Fair Credit Reporting Act, all information on my credit report must be accurate and verifiable. If these inaccuracies are not corrected within 30 to 45 days from receipt of this letter, I will be compelled to pursue legal action to recover damages of up to {$1000.00} as permitted by law for the inaccuracies present on my credit report. 

I request that you investigate these accounts and either update them to reflect accurate information or remove them from my credit report altogether. Please provide me with written confirmation once these corrections have been made. 

Thank you for your prompt attention to this matter. I look forward to your response within the required timeframe. 

I have attached documents that prove my identity and the inaccurate information on my report.
Product: Credit reporting or other personal consumer reports

Summary of Payments and Balances XXXX. XXXX XXXX XXXX  ( Revolving Account ) ** - **Current Balance : ** {$1000.00} - **Credit Limit : ** {$1000.00} - **Last Payment Made : ** {$80.00} on XXXX - **Payment Due : ** {$56.00} - **Amount Past Due : ** {$0.00} - **Payment History : ** No late payments reported in the last 11 months. 

2. *XXXX XXXX ( Open Account ) ** - **Current Balance : ** {$46.00} - **Last Payment Made : ** {$49.00} on XXXX - **Payment Due : ** Not specified - **Amount Past Due : ** {$0.00} - **Payment History : ** No late payments reported in the last 10 months. 

# # # Late Payments- There are **no late payments** or delinquencies reported on either account. All payments have been made as agreed and are up to date.
Product: Credit card or prepaid card

I have a chase slate credit card and I have had my account with them since XXXX  it's been I good standing since I've gotten the account my last payment to them was on XXXX XXXX in the amount of XXXX... I got real sick and had to move to my grand daughter 's house after my XXXX XXXX I own my house but I need to get things fixed anyways so my contact info has been updated such as phone number which I got a phone on my granddaughters account and her name is the holder of account it is a XXXX XXXX XXXX  account not a prepaid phone its a phone bill account and is valid I shouldn't be having these problems I also got a new email address due to my phone and email being under XXXX and they are no longer in service... I am no longer staying at my old house so i do not own a house phone anymore and the house phone on the account is no longer active i do not have XXXX due to them no longer being at service... I have done the verification process and have got through about 15 times and everytime I get through I go to a store to use my card and I'm back on fraud ... my new number is on my account but everytime they say I can't get verified through the phone and I can't get the fraud off my account to use the card that I have in my hand and it is myself using it ... my phone number is active on my credit report and everything the only thing is that my granddaughter got me a phone on her account I just want the fraud off my name where I don't have any problems... I have also tried to get another bank account and credit card with multiple banks and credit card companies I do not understand why they all get denied for suspected fraud when I am not doing anything to be under fraud it's very frustrating I just want to be able to get the fraud off of my name and social security where I don't have anymore problems... I call chase fraud operations everyday and get nowhere I'll verify myself answer all and every question and my account will be cleared and I go to use my card and it declines and puts me right back on fraud ive been dealing with this for 3 weeks I'm tired of this and I need somebody to clear this up cause I am getting nowhere
Product: Mortgage

Failure to provide notice within 30 days that mortgage had been transferred. 

AutoPay was cancelled due to mortgage transfer, causing a delay in payment posting. 

We called our prior company and was informed that a notice had been mailed, however, we never received said notice. 

There were never any notifications, emails, correspondence, or evidence of this transfer other than this " goodbye letter '' that they claim they mailed on XX/XX/2022.
Product: Checking or savings account

On XX/XX/2024 I went to Garden state community bank located at XXXX XXXX XXXX in XXXX NJ to open a checking account. The Bank advertises an account called my free community checking that can be opened with as little as {$1.00}. I attempted to open this account but I was denied the right to open the account. The reason seemed to be because I insisted on the bank ordering a debit card for the account but the bank manager stated I would need more money in the account in order for the bank to order a debit card. I stated I was going to move my direct deposit from my employer into the account but the bank manager still refused and the bank manager stated that the bank wouldn't allow me to open the checking account. I believe I was discriminated against by this bank. I have contacted the corporate office of the bank and I am filing a complaint against the branch.
Product: Checking or savings account

On XX/XX/XXXX, I received emails notifying me that a new bank account had been opened in my name at Bank of America, and I do not have any accounts there. I called their fraud department at XXXX and reported the fraud. They said it had been opened online, investigated my claim, and confirmed the account had been opened fraudulently using my name, date of birth, and social security number. They immediately closed the account. This exact same thing happened to me in XXXXXXXX XXXX XXXX, after which I filed all the necessary claims, complaints, and freezes, so I am appalled that it happened again with the same bank. All of the freezes are still in place. How did this happen? Bank of America should not have opened the account with all of the freezes and alerts I have in place.
Product: Debt collection

Mariner FinanceXXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX. XX/XX/2019 Called XXXX XXXX   XXXX and was told by my office manager that this is a business and that I do not have a personal line and do not call here again. XX/XX/2019 Again they called XXXX XXXX  and was told by a coworker who answered the phone not to call that XXXX is a business line not my personal phone number. XX/XX/2019 called XXXX XXXX XXXX and was again told that it is a business line and not to call here. I have changed all information with them to contact XXXX XXXX XXXX and they continue to call my place of employment and only my place of employment 's phone number.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a paid debt from XXXX XXXX that i have requested to be removed from my credit reports. I have paid this in full and asked that it be removed from all three bureau reports. Acct # XXXX I have also paid in full a debt from LVNV Funding and asked that it be removed from all credit reports the acct number for LVNV Funding is # XXXX.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I submitted a dispute online with Trans Union about a negative item on my credit report. The negative item is XXXX XXXXXXXX XXXX Account Number XXXX I disputed that the Last Payment Made didn't match up with the Payment history. Its showing Last Payment Made was on XX/XX/XXXX but the Payment history is showing a Charge Off for the month of XX/XX/XXXX how is that possible? Once a Charge Off happens the account is closed. This is definitely reporting inaccurately. I sent Trans Union a picture of the incorrect information plus an explanation. They sent me back the same wrong account information but they said that the DISPUTED INFORMATION WAS UPDATED. They never did a proper investigation let alone a dispute. I know for a fact they didn't even dispute the account because where it says " Date Updated '' its showing XX/XX/XXXX this was over a month ago. I did my dispute on XX/XX/XXXX and the date completed was on XX/XX/XXXX they didn't even put Completed investigation of FCRA dispute-consumer in the Remarks section.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Experian, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by means the consumer :
Product: Credit reporting or other personal consumer reports

Debt collection is wrong. They need to dispute it. I have XXXX. It has proven what I payed for on debt collection XXXX XXXX and also when I had XXXX XXXX XXXXXXXX XXXX XXXXXXXX California.
Product: Credit reporting, credit repair services, or other personal consumer reports

I initially sent a series of letters to the Credit Reporting Agencies as well as the Actual Creditor. 

I am fully aware of how reporting works and found proof of non-compliance in accordance to the E-Oscar and XXXX XXXX format formateignoring to report. 

U S DEPT OF EDXXXX Account ID : XXXX and XXXX and XXXX and XXXX I have exhausted all of my options to resolve this matter and I am now demanding that the account be deleted from my credit report due to being invalid and unverifiable. 
If there is no proof of debt ( in fact it was paid in full and never being late ) and no verifiable information, then the information may not be reported to the credit bureaus nor reported under the Fair Credit Reporting Act. The incorrect account information on my credit report can not be verified, so it must be deleted from my credit report or you will be in violation of the FCR Please see attached documents of proof of me sending the letter to the agencies. In addition to that, please note that they are neglecting my request to modify accounts, which would lead to changes on all agency reports ( as per the carbon copy rules of E-Oscar updates ). 

It is very urgent that you please investigate and resolve as this is harmful to my character and is obstructing my capability to obtain loan.
Product: Mortgage

I have been attempting to deal with Real Time Resolutions whom is has been an extremely difficult and uncooperative debt collector acting on behalf of my mortgage company. 

I have been trying to modify my 2nd mortgage held by XXXX. The balance is {$93000.00} and the account has been in default for at least 7 years if not more, due to significant medical and financial hardships suffered by my husband and myself. 

Throughout 2019, the communications from Real Time Resolutions started off cordial and professional, and gradually turned into aggressive attempts to collect a debt and incredibly difficult " negotiations '' that were frankly absurd. 

After going through a lengthy " loss mitigiation '' application process and jumping through many hoops that were placed on us, they saw our financials, saw that we are living paycheck to paycheck and decided to offer us a 1 % settlement offer on the balance of {$93000.00} - like if I could just write a check in the amount? 

An appeal process was requested and they just deemed by comps obtained by a local  Real Estate Agent as unacceptable based on the comps used. The problem here is they are making me go through many difficult problems to try to appease there requests, and when I do obtain the documents or professional opinions they request I am not actually offered a resolution that is appropriate nor within reach of my situation. 

I would like to deal with a reasonable organization that would be understanding of the matter at hand and that would be reasonable to arrive at a resolution that is within reach. 
A real offer that can be obtained to bring closure to this account. A realistic payment arrangement to bring the account current or a lump sum settlement offer that is REASONABLE. ( 1 % discount is not reasonable )
Product: Credit reporting or other personal consumer reports

I

am a victim of identity theft. Please delete or remove these items on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 


XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX
Product: Debt collection

Hello, I called the company " Financial Account Services Team '' located XXXX XXXX XXXX, XXXX, TN XXXX Phone : XXXX, on XXXX XXXX, 2016 at XXXX Central Standard time / XXXX EST. Spoke with a XXXX XXXX regarding said possible collection for the amount of XXXX. I asked what it was regarding and I was told that it was due to a utility bill. I had stated that the bill should n't exist as I would have had to pay any closing amount prior to my moving since it had to do with the city. However due to current circumstance I went ahead and paid. 

I asked knowing that I had been informed by my Bank XXXX to do so, to ask for a copy of receipt and a notice that it would n't hit my credit per agreement upon paying. XXXX XXXX informed said he would send it via email, placed me on hold then came back and was very argumentative and rude. Stating he really did n't have to provide me such requests ( mind you after I had paid it ) as he had just stated he would. Then stated well I sent it via email. I asked well do you mind sticking around for a minute until it comes through. Which it did n't nor has it. I told XXXX XXXX that it had n't arrived and it should have by now, he said i would n't know as I do n't have these sort of problems referring to collections issues. He then hung up on me, I attempted to call back and was hung up on multiple times. I find it odd that the city never sent me ( my address was forwarded to new location ) any notice of debt ( which I would have happily paid ), and henceforth my discussion with XXXX XXXX there was never an attempt to send or present me with the notification or verification of debt. Also upon asking if this was going to negatively hit my credit and if he could make sure it did n't. XXXX XXXX also threatened to the effect that if I did n't do as he was asking that he would ensure it does, how would I like that. that he would mark it to hit my credit report. 

Also as to knowing of this debt I was never sent anything from the city of XXXX XXXX, XXXX regarding this purported debt. Though my address has been forwarded to my new location, my phone number never changed from what they would have had on file for me. My credit has been great and I have worked hard to maintain it so I could utilize my XXXX home loan this year. Unfortunately I fear due to the way XXXX XXXX handled everything, with the deceit, arguementiveness, and threats that this now will be in jeopardy. 

Upon further review of this company I found that this is n't the first type of issue with other collection attempts from other people. That the staff is known for harassing and making false statements while not aiding by the law. That there are possibilities of further illegal activities from the head of company XXXX XXXX. Please see link below of reviews from contracts and former employees posting on google. 

XXXX XXXX did not provide me a full confirmation number neither just the last XXXX digits of XXXX, though I had asked. 

XXXX This place needs to be investigated, fined, shutdown, and all collections accounts for which they service to be notified of their shady illegal practices. 

Thank you
Product: Credit reporting or other personal consumer reports

I have been a consumer with MoneyLion since 2018 and have taken out credit builder plus loans to build my credit and, have made on-time payments, however ; Money Lion continues to report inaccurate information to the credit bureaus and in addition disables my credit line for no viable reason. This is having an adverse effect on my credit and although I have repeatedly contacted them, they continue to report inaccurate information and suspend my account. I am never provided with an explanation as to why this has happened three times, they simply apologize but are damaging my credit. It seems I can only get a resolution through CFPB because the companies do not listen to consumers although we do business with them.
Product: Debt collection

I have repeatedly asked fora contract involving Monterey Financial in contract they keep sending a contract with global exchange not Monterey financial I have told them it was due to a fraud from someone I was with I completed a fraud alert on my credit against that person and police report but Monterey financial keeps harassing me and ruining my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 Equifax received a certified letter from me disputing my credit report. Today XX/XX/2022 a customer reps states they do not have any paperwork from me.
Product: Money transfer, virtual currency, or money service

In XX/XX/XXXX I was requested by Paypal to confirm my identity by submitting a photo of my ID and a proof of address. I provided a copy of my passport and a proof of address issued by a government agency to confirm my identity, but the proof of address was not considered valid. Therefore, I sent another proof of address, issued by another government agency, but it was refused for the second time. On XX/XX/XXXX, I was informed that my PayPal account was closed because of security issues and that my balance of USD XXXX would be held for 180 days. 

After several attempts over the course of the years XXXX and XXXX, in XX/XX/XXXX I was finally given the option to withdraw my fund by linking a bank account and transfer the funds. Unfortunately, I can not link the bank account as expected and receive the following error messages : " Sorry, were unable to link that bank because it is disabled. Please try another bank. '' or " This account needs a little help to link it. Contact us and we can help with that, or you can link a different account ''. I have contacted customer service without success as the customer service representatives can not help me solve my problem or give an explanation as to why this is happening. Their only suggestion is to try again after 48 hour. It is worth mentioning that I have waited 72 hours before each call, but I keep getting the same results. I have let the representatives know about this situation, and they say they can not give any other solution other than keep trying every 48 hours. I have been calling every three days for a month now with no luck. I feel hopeless with my funds being trapped. 

Therefore, I respectfully request your help in solving my problem and get Paypal to allow me to withdraw my funds that I earned with honest, hard work and that I very much need.
Product: Credit card

Hey my name is XXXX XXXX. i m deaf. i have no knowledge about paytomorrow account. i never open any account with them. i m not sure what they are.. i want them remove off my credit report