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

This all started when I attempted to transfer {$300.00} from my company issued Bank of America XXXX XXXX XXXX to my XXXX checking to cover {$96.00} worth of overdrafts and bills on XX/XX/XXXX. I went ahead and attempted to pay said bills thinking that the problem was resolved and my account was no longer overdrawn ... until I went into my mobile banking and discovered that one of the bills had incurred another overdraft and the others remained unpaid two weeks later. On XX/XX/XXXX, I attempted to get an account number or some way to pay the bills and was told by the representative that there was no way to access that information. In response, I asked to speak to someone higher up the chain or for a corporate number to see if there was any way to address the issue and only got the mantra of " I can't access that information. '' or " Your bank didn't allow the transfer. '' I have suffered significant damage to my credit as a result of the failures of both Bank of America and XXXX to notify me of the failed transfer in a timely manner. To further the issue, XXXX has disabled my access to online banking on or before today, XX/XX/XXXX, which is a huge issue as I am expecting funds to be deposited that are sufficient to cover all the damages incurred as a result of this mess but do not want to take action until I know they are available. Both companies have been named as I do not know for sure which one I should hold responsible and have had trouble with both in the past. Please, help me sort this out quickly as it could cause me the loss of utilities and a place to live. Files can be provided as needed or should be within company databases.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information or items which do not belong to me. 
Please investigate these fraudulent items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$11000.00} EXPERIAN XX/XX/XXXX EXPERIAN XX/XX/XXXX XXXX XXXX XX/XX/XXXX EXPERIAN XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XX/XX/XXXX EXPERIAN XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX EXPERIAN XX/XX/XXXX EXPERIAN XX/XX/XXXX EXPERIAN XX/XX/XXXX XXXX, XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the C.L.U.E  . 
Report and other furnished XXXX XXXX, Sage Stream, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX OH XXXX I have unknown or fraudulent addresses appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following addresses:XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX Also please delete any phone numbers on my report if it is not : XXXX
Product: Credit reporting or other personal consumer reports

Account Name XXXX Account Number XXXX Account Name XXXX XXXX Account Number XXXX RE : Inaccurate Credit Reporting ( 15 USC 1681s2 ) To whom it may concern, I am writing this letter to inform you that I have notified the credit bureaus of misreporting by your company in accordance with the Fair Credit Reporting Act. According to which, as the furnisher of the information in question, you have a grave responsibility of maintaining the accuracy of that information. 

The following account ( List name and number of account ) is reporting a balance of ( enter balance amount ) when it is my understanding an reason to believe that because this debt was charged off by you that is was memorialized with a Form 1099C as proof or evidence thereof. And that because of that fact, this debt is cancelled and at least should not reflect the balance that is currently showing of ( enter balance amount ) on my consumer file. 

This would indicate inaccurate reporting on your behalf and therefore is a violation of the FCRA by you the furnisher to continue to report this inaccurate information. Especially with the actual knowledge, notice and confirmation of the errors.

Please provide me with the return of the time and form as prescribed by regulation or the Secretary of my name, my address, my TIN, the date, and amount of the discharged/charged off debt and any other information as prescribed by the Secretary.

If not, then I would demand that the account be removed from my credit report completely to avoid any legal recourse or action on behalf of myself by retained counsel. 

Thank you for your time and consideration in this matter. I look forward to hearing a favorable reply. Please forward any correspondence or changes to my credit report to the address listed above. 

Regards,
Product: Debt collection

i recently check my credit report and notice 2 accounts that are not mine and are a result of identity theft. both accounts are from LVNV FUNDING LLC and the original creditor is XXXX XXXX XXXX. I never had any account with either one of these companies and request that these accounts be deleted from my credit report ASAP. 
LVNV FUNDING LLC XXXX XXXX LVNV FUNDING LLC XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Is a Bankruptcy court file in my Credit Consumer what is not true And after I go to the Bankruptcy Court of Phoenix and speak with the Clerk they mentioned the Credit Bureau never check with the Court for authentic letters Also the Court will never provide any letters to the Credit Bureau
Product: Credit card or prepaid card

I applied and was approved for the KeyBank Latitude credit card with a promotional interest rate of 0 % APR for 15 billing cycles. Additionally, the offer included a 0 % introductory convenience check fee and/or balance transfer fee. Checks were provided in a separate mailing and indicated that they could be used to make purchase 's, transfer balances, or get cash. I attempted to write a check for {$11000.00} that was returned and I was charged a {$12.00} return fee. My available balance on the card indicated I had {$11000.00}. When I called to resolve this issue I was first told I the check was returned because I didn't have enough credit available. This was clearly false. I was then told that checks have a fee, which may be true for some, but these clearly indicated there would be NO fee. Finally, they came back with the answer that these checks apply to the " cash advance '' limit, which was only between XXXX-XXXX on this account. This was not clearly disclosed ANYWHERE on the checks provided. My " cash advance '' limit is also not clearly established on my online account or any of the disclosures that were provided. This is a clear case of consumer harm that could easily have been avoided. Attached is all the supporting documentation.
Product: Credit card or prepaid card

Ordered an item from Amazon XX/XX/20. Order was not going to arrive in time for grandson 's birthday so I bought another item. Authorized through Amazon request to return item on XX/XX/20. Amazon accepted request and sent out a return label.XX/XX/XXXX. Shipped item back to the address Amazon provided on XXXX XXXX. Item of {$480.00} was placed on my XX/XX/XXXX Chase Amazon Credit Card along with a charge of {$85.00} for a XXXX XXXX bill which was correct. Item was received at the Amazon location on XXXX XXXX and proof of delivery was signed by " XXXX ''. Chase Amazon Credit Card credited my account {$480.00} on my XX/XX/XXXX billing. Chase Amazon Credit Card then placed both items back on my card on my XX/XX/XXXX billing - The {$480.00} item and the {$85.00} XXXX XXXX charge.Called Chase Amazon Credit Card on XX/XX/XXXX and was told to file a dispute. Faxed dispute on XX/XX/XXXX and mailed out a copy as well. Chase Amazon Credit Card denied my dispute on XX/XX/1920. After numerous calls and the general run-around on XX/XX/1920 Chase Amazon Credit Card decided as a one-time generous gesture, they would credit my account {$100.00} and I should be grateful to eat the balance. I did not notice the rebilling of the {$85.00} XXXX XXXX charge until later.
Product: Checking or savings account

On XX/XX/XXXX contacted BOA due to fraudulent use of my debit card, asked that it be mailed to XXXX XXXX XXXX  XXXX XXXX TX XXXX. Contacted BOA on XX/XX/XXXX the card had not been sent to the accurate address and both the agent and manager were hostile unhelpful rude, insisted on charging me {$15.00} for expedited service even though the bank wax at fault for XXXX sending the card to the address promised to begin with. It appears that these customer service agents dont want consumers to have their debit cards.
Product: Debt collection

I advised that I did not owe the money as it was exorbitant as the carpet was clean and advised my rental company however they replaced it. 

I moved and did not receive anything from the rental company. 

In XXXX, i changed my license details & then got advice from a collection agency called procollect that I must pay after many phone calls. In the end I paid the debt and was promised it would not be on my file. 

Called again today to have it removed they said they would not remove it as it will be there for 7 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never used any of these companies or services. Please remove.
Product: Credit card

I have a Financial issue with Bank of America regarding a Fraud related charge. The Investigation resulted in my FAVOR, I am not liable for the Unauthorized charge of {$910.00}. Yet the amount of {$910.00} was Charged back to my credit card, then transferred to my Debit card. I have spoken to several Customer Service agents, Fraud agents, Supervisors, Managers and Billing to no avail. The charge remains on my Debit card and NO one from Bank of America has the slightest clue on how to proceed. I continue to get the RUN-AROUND and Lame Excuses from ALL the Incompetent agents I spoke to. If there is anything that may possibly be done to correct the Unethical practices performed by Unprincipled agents to provide a Credit of {$910.00} instead of a Charge of {$910.00}.
Product: Credit card or prepaid card

XXXX of XXXX a XXXX credit card was opened in my name using a different address, I notified Experian to dispute and also XXXX fraud department XX/XX/XXXX. XX/XX/XXXX Experian notified me through email stating that the account was complete and accurate to belongs to me. I notified XXXX and the shared with me that they have not completed the investigation it is still pending.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, account, xxxxxxxxxx XXXX, date opened XX/XX/XXXX. I am requesting this account be deleted off all my credit reports with each agency. There are a plethora of inaccuracies amongst all three agencies. I m also requesting a pay history because the payment amount that is reflected {$760.00} is not the amount I recall PAYING, and Iam req proof of debt. Last payment for XXXX shows XX/XX/XXXX, and XXXX shows XXXX, XXXX XXXX. Account status for XXXX shows collection and XXXX  shows open. Last payment for XXXX show XX/XX/XXXX, experian shows XX/XX/XXXX and XXXX  show XXXX XX/XX/XXXX. Please remove this off my credit reports.
Product: Debt collection

The collector keeps referencing a debt with  XXXX   XXXX  for {$210.00} that I do not owe. I currently have    XXXX   XXXX   service with not payment delay.
Product: Mortgage

I was in between moving homes due to my XXXX getting a new job. I notified pennymac that I was going to make a double payment in XXXX and not pay anything in XXXX My XXXX  is a co-signer on the house and he was not informed on this decision. I had no understanding that it would affect my credit score negatively. Once my XXXX  found out it was too late for him to pay it. They made no effort to reach out to him and notify him before it was considered a month late. My XXXX and I tried to talk with them and get a courtesy and forgive it but they said they don't do those even though we have a very good record and relationship with them. We found this very wrong and highly unprofessional on their part and we are trying to find a way to resolve this.
Product: Credit card or prepaid card

I received a letter stating I had an account ending in XXXX with U.S. Bank ReliaCard. I do not have and did not open this account. The letter stated the transaction limits were changed.
Product: Credit card or prepaid card

I been a bank of America customer for well over five years. The service they are currently providing involves checking accounts as well as a couple of credit cards. The issue revolves around one the credit an account open in XX/XX/2016, which I been using actively. through out the years bank of America has issued me certain credit limit increases based on my request and or payment history. However, for reasons unknown to me bank of America has dropped my credit limit from {$5000.00} to {$3000.00}. The action affects my account negatively since by reducing my available credit limit bank of America is increasing my credit usage. A factor that is determinant toward maintaining an ideal credit score. The credit usage is the second most important score within a credit score, second only to on time payment and accounting for about 30 % of a credit score.I am yet to know the effect such action will have on my score but chances by next month it will reflect the damage to my credit score. In any case, it feels as if bank of America is trying to coerce me.
Product: Credit reporting or other personal consumer reports

After recently pulling a copy of my credit report, I was shocked by what I discovered. 
I noticed there were late payments that are reporting on my credit report that 100 % SHOULD NOT be being reported on my credit report. 
XXXX XXXX XX/XX/year>. 
I say this because, the law states that at no point should there be a late payment reporting my consumer report & should not include any transactions or experiences between me the consumer and any person making a report. Further more, I never gave any consent for these alleged transactions. 
These are clear violations of my consumer rights under 15 U.S. Code 1681a, 15 U.S. Code 1681a1 and also 15 U.S. Code 1666b Please reverse these late payments from my consumer report and update this account as soon as possible.
Product: Debt collection

I sent Cavalry Portfolio Services a debt validation letter on XXXX XXXX. 2016. They ignored my request for validation and continue to make attempts to collect on a debt I am not sure I owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/2022 XXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX  XXXX XX/XX/2022 XXXX XXXX XX/XX/2022
Product: Checking or savings account

I have had the worst experience ever w/ XXXX XXXX. I was mistreated so badly that I resorted to contacting you. 2nd call hung up on by a mgr.. 4th call, supervisor just didn't talk for 20 minutes and waited for me to hang up. I will contact every mgr & bureau bc I was I was denied my banking rights
Product: Vehicle loan or lease

In  XXXX  of  XXXX  I got my  XXXX   XXXX   XXXX  financed through Citez  ens One Auto Finance.
( 1 ) I received my first statement and then I never received one after that. The only way I could make my payments was online because any other way they charged, But that was the only thing I could do online, ( 2 ) the webs  ite did n't allow me to view any of my statements.   Each month, my payment due was  XXXX  I payed almost {$150.00} more than the payment due. When I called to see how much I owed on my loan, it just didnt seem to add up to what I had been paying.   When I started investigating this to see where all of my extra money was goin g ( thinking  it would automatically go to principle. ),  ( 3 ) they told me that all extra payments went half to interest and half to principle. I called multiple times to ask for a statement to be sent to me so I could see exactly where my money was going, since I could n't pull it up online. ( 4 ) It took four weeks for me to receive my statement in the mail. ( 5 ) I wa s told that they were not allowed to email it to me and it would be a  XXXX  charge if I wanted it faxed.   After being fed up with trying to contact them and receive information I went to my local credit union and started the process of refinancing my truck through them.   When I had to make my last payment through Citeze ns One Auto Finance, ( 6 ) I entered my account to find that now I was no longer a ble to pay  XXXX  and now I was ONLY able to pay  XXXX  and nothing less . ( 7 ) That me ans that changed my payment without consent from me, and also did n't give me an option to put my extra payment towards principle.   I lost over {$1300.00} with this company because I was under the impression that my extra payment went to principle when only half was going to principle, I was told that there was no way they could move it all back to principle.
Product: Debt collection

So it seems maybe I entered my follow up complaint of this company incorrectly. This is a follow up complaint to my initial complaint. This third party debt collector Eastern Account Systems stated they received my validation request XX/XX/22. This was a lie that I have proof of which I will include again. They received my Debt Validation request XX/XX/22. In any event, I still have YET to receive any correspondence from this third party debt collector except for their response to me filing a claim with you the CFPB. According to the law, they need to respond to my request XXXX writing with ALL of the contents Ive requested pursuant to XXXX XXXX XXXX. This company DID NOT respond whatsoever to my request within the allotted 30 day time frame from XX/XX/22 ( in which I have proof they received it ) or the XX/XX/22 in which they claim. Pursuant to this law, my debt is INVALIDATED AND NEEDS TO BE REMOVED FROM MY CONSUMER REPORTS AS WELL I A SEEKING DAMAGE RELIEF. It may have seemed like a duplicate complaint, but it was actually addressing Eastern Account Systems response. Also, If they had any legal right to collect on this alleged debt, they would not have to seek any validating information from anyone else.
Product: Mortgage

i submitted a shortsale package to ocwen on XXXX, this was prepared by a lawyer and absolutely flawless, it included all the documents and forms the lender department of justice required to be reviewed for a hafa shortsale. after probably XXXX hours of utter mystery ocwen today send me a letter telling me that we do not have enough time to do a shortsale. is this a joke i say. they as in ocwen use a 3rd party XXXX to list my property at auction at a price that was over XXXX of my home my house is worth about XXXX and in horrible condition bottom line unlivable, but i manage in my slum. how can they do this when they listed it for over 60 days on this auction. i was told the foreclosure would be on hold during and after this XXXX time period the auction completed and there were no offers, not urprising. this is absurd how this is happening. i live in my house i am a veteran and i am getting frclosed on when i have been trying to get a shortsale approved since XXXX. this is unfair and i am contemplating legal counsel to contact ocwens legal department. i should not foreclose and ocwen should be more attentive to their investors files. please help my foreclosure is XXXX ocwen is XXXX and in another XXXX XXXX country for crying out loud. can you have an XXXX that i can understand contact me please. no offense XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX  Account # XXXX, has violated my rights. 
XXXX XXXX XXXX  Account # XXXX, has violated my rights. 
XXXX XXXX XXXX  Account # XXXX, has violated my rights. 
XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXXXXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX  Account # XXXX, has violated my rights. 
XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX Account # XXXX, has violated my rights. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX : XXXX Please Note : CFPB Complaint XXXX-XXXX I did not request an investigation nor dispute. I asked you who updated and verified this account, specifically " Who the XXXX, is making these inaccurate changes? ". 

Do not start another dispute, this would be the fifth dispute and would be the fifth time you failed and lied about verifying the accuracy of this account. 

Either provide a method of verification as requested now for the 3rd time or remove this account. XXXX XXXX does not count as verification. 

I'm done playing this game, either you or XXXX XXXX has been falsifying information on my credit report which i take seriously and which has been a detriment to me. If the CFPB or FTC refuses to do anything i will seek restitution and resolution under FCRA through the courts. This account needs to be removed immediately. Ive documented every form and occurrence of communication with you. Once i start litigation there will be no settling outside of court or dropping. If i start this process it will go full course and what i am asking to do now, which is remove this account, you will have to remove and pay me for not removing it sooner. No games, no threats, just tired of this bs. Remove this account now!!! 

As well i will file a complaint with the FTC, State attorney generals office, XXXX  until time comes for me to see you in court. You have until XX/XX/2019 to remove this account from my reports.