23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I did not authorize these inquiries and strongly suspect they are fraudulent. I request a comprehensive investigation and immediate removal from my credit report.
Product: Checking or savings account

Last year, This whole year from XXXX XX/XX/XXXX XXXX XX/XX/XXXX {$2.00} XXXX XXXX. I have been fighting with them so long. Their platform all of sudden wasnt working with my my bank verified. I had money in it. Im not sure when I continue to closed. I still was getting these fees. They go back to XXXX. Im tired
Product: Credit card

Alleged fraud, Bank of America claimed a permanent credit of {$1800.00} was added to our account for our use that Bank of America knew was not actually available and supported that claim with false information to cause us to use the funds to the advantage of Bank of America. Funds were not available, just a temporary fake number which was removed after use. Multiple proof in hard copy from Bank of America. fraud -intentional perversion of truth in order to induce another to part with something of value or to surrender a legal right ) - fraud -intentional perversion of truth ( claiming {$1800.00} was available in my account and the merchant had been contacted, neither was true ) in order to induce another to part with something of value or to surrender a legal right ( to falsely indicate {$1800.00} was immediately available to use on the BOA credit card ). Considerable documentation and proof in hard copy. Multiple false claims by Bank of America on available funds that were never there.
Product: Checking or savings account

XXXX XXXX I have a Bank of America account since XXXX. On XX/XX/XXXX I initiated a debit card claim with BOA. I had to dispute a transaction on my account. The dispute was cleared and my monies were refunded. On XX/XX/XXXX, Bank of America froze my account for no reason. I was not sent a letter I received no call I want aware. I was told to come inside the bank and speak to an advisor. On XX/XX/XXXX, I went to Bank of America in person and I was told to call the number XXXX. I called the number and was told that my account was frozen for no reason given. The advisor was not even able to give me a reason. I can not access my funds. My rent is late, my car note was rejected by the bank and they will not release my funds. They said they can not tell me why me account is frozen, theres no notes. I can not understand how my account can be frozen and no one is able to tell me why and how long. The agent told me Im order to find out when the freeze would be released I would have to call them every day for a status. What???? This should be illegal to withhold money from their own account. What am I to do?? I am asking someone to help me to get my account unfrozen for unknown reasons. How can Bank of America get away with this??? They are not sure why it was frozen and when it will be released, this is illegal to do I thought. I just am now seeing that in XXXX Bank of America was fined for fake fraud alerts on peoples bank accounts. I feel this is my situation because when I called the bank on XX/XX/XXXX none of the bank agents could tell me why I was frozen. They said my account never should have been frozen and this was from their own Fraud Department!
Product: Credit card

I have had this card for years, never late or missed a payment. I have automatic payments set up, the company missed my auto pay in XX/XX/scrub>XXXXXXXX XXXX by the end of the month they put a late fee on my account, ( {$29.00} ), and made my payment for XXXX  from {$52.00}. To {$170.00} in XXXX, I call immediately and they were to straighten it out since it was their fault not using my auto pay, they removed the late fee but never lowered my monthly payment, I can not afford a XXXX payment as I am XXXX and on a fixed income, this was not my fault
Product: Credit card or prepaid card

I had a friend who made a payment towards my card with Wells Fargo. He later on pulled the payment back. I had used my card for utility bills which put my card over its limit. I had spoken to people in a local branch, over the phone and via email regarding setting up payments so I could pay it down. I even spoke to the fraud department. They had said I am unable to set up payment arrangements due to it being a secured card. I was not disputing the charges just trying to get it paid down. Wells Fargo closed my account saying there was no contact although I emailed weekly and had been making payments weekly- biweekly to get it down. After Wells Fargo closed my credit card they forced an automatic payment of {$850.00} from my checking account XXXX  times I closed all my accounts. This all happened in XX/XX/2018 and they have a {$1500.00} deposit that they have yet to release to me or put towards my card. I am still in contact with Wells Fargo also know as scam artists to the every day consumer and nothing has been corrected.
Product: Mortgage

XXXX XXXX loan care holds your payments and then credits your account after the received date, then they apply fees. I would love to know how my bank XXXX shows a payment pulled on XX/XX/XXXX, yet this payment was held and not credited to my mortgage until XX/XX/XXXX, late fee then assed naturally on the XXXX which seems to be a common monthly assessment for them, guess any bailouts they received they have run through and must find anyone possible to steal their own customers money. I pay every XXXX weeks so that i can get a head on my mortgage and not be continued to be exploited by this servicer with long hold times, XXXX transparency and bad record keeping. I paid the full balance for XXXX on XX/XX/XXXX, according to my bank XXXX, well loan care holds that payment gives me no interest for holding my payment and then credits my mortgage account late, i make another payment and additional payment after my XXXX is satisfied on XX/XX/XXXX, mind you today XX/XX/XXXX i open my mailbox ( which i do daily ) and find a letter dated XX/XX/XXXX from XXXX care stating they had not received my XX/XX/XXXX mortgage payment and now a {$16.00} late fee will be assed. I'd love to know why my XXXX XXXX payments totaling more than the monthly payment have been assed as late. This company holds the payments and doesn't allow XXXX consumers to make payments when and how we want. If you try to pay them every XXXX weeks, they will hold XXXX payment until its late and then once the XXXX is received, they apply it to the mortgage and XXXX a late fee, why i ask? is this because you don't want me to pay the daily interest accrual? or is XXXX loan care trying desperately to take my modest row house that my young child and i are sheltered in? I can not wait until the government lowers interest rates so that i can refinance my loan. This company is morally and ethically bankrupt, and it is unconsciousable. I'm submitting this complaint in the hopes that there is actually consumer protection in this country or are we way past that in these late stages of capitalism, that we will allow these corporations to do literally whatever they want in order to appease them and keep them onshore? It is time to protect XXXX consumers, please look into this company 's tactics and lack of common sense when processing a payment. They force you to use their auto debit in place of your own checks and bill pay, their auto debit doesn't function correctly, it pulls payments prior to the agreed upon date and i have record of that also. If the cfpb needs additional information, please do not hesitate. I am XXXX of many loan care customers who have been exploited, XXXX of many!
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Acct # XXXX To Whom It May Concern : This letter is in response to your recent claim regarding account # XXXX, which you claim my account was charged off {$1000.00}. 
Yet again, you have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. 
Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. 
Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. 
I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. 
Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is inaccurate and incomplete, and represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws.

I further remind you that you may be liable for your willful non-compliance.

Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in a small claims action a
gainst your company. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) You will be required to appear in a court venue local to me, to formally defend yourself. My contact information is as follows : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Last XXXX of SSN # XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 
CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC XXXX XXXX XXXX XXXX  XXXX : XXXX XXXX : TransUnion
Product: Debt collection

I have reached out to this company about this debt because it is not mine, I asked them to validate this debt have yet to get a response, I mailed a debt validation letter in XXXX and on XX/XX/XXXX still no communication for this debt collector
Product: Credit reporting or other personal consumer reports

I have 2 accounts status of account is reporting incorrectly and I will like them to be updated to its correct status or be deleted due my my rights with fcra I will upload documentation
Product: Money transfer, virtual currency, or money service

I made an international transfer using moneygram company on XXXX of XXXX and expected date ( on their service websote ) was XXXX of XXXX and now its XXXX of XXXX and i didnt get my money ( i made transfer to myself using my creditcard ). 

everytine i call ( international call from XXXX to XXXX no. costs alot of euros ) and only hear : " sorry, we are investigating '' I need this money for apartment rent here in XXXX where i live and work and moneygram issues is not my issue and they dont even call, just sending mail saying sorry, still investigating. 


Details about moneygram transfer : - reference no. for tansaction tracking used by moneygram : XXXX - Sender and receiver fullname : XXXX XXXX XXXX XXXX- my bank account IBAN : XXXX - escalation/investigation case no. : Case # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate. 
XXXX XXXX XXXXXXXX XXXX XXXXXXXX, FL XXXX XX/XX/XXXX ; XXXX  XXXX Balance : {$13000.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$1300.00} ; XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have received repeated calls looking for someone l. I answered after repeated calls and told him to please remove my number and stop calling I am not the person they are trying to contact. Before I could breathe another word he said, you could at least say thank you. I said, it paused I was going to. He said, youre being hostile and rude. Very unprofessional and rude especially calling a wrong number, repeatedly.
Product: Credit reporting, credit repair services, or other personal consumer reports

i wrote letter requesting report from Experian they demand proof of a permanent address. I travel around in a motor home & do not have a permanent address... I only have a mail drop of a relative in the State of minnesota..Experian will not supply me with a copy of my credit report.
Product: Debt collection

DEBT COLLECTOR COMPANY SHOWED UP ON MY CREDIT REPORT CONTACTED ME AND USED UNFAIR PRACTICES TO COLLECT A PAYMENT FROM A ALLEGED DEBT
Product: Credit card

I entered into a hardship payment arrangement as my account was past due because of my recovery time from a XXXX. It was a 12 month arrangement that was scheduled to bring my account current by lowering the interest rate and a set payment of XXXX per month. I paid the arrangement to completion. The call center reps agreed they saw notes confirming this. The account showed as past due even after I communicated with the company to correct and at my last request for review to correct the issue instead of correcting their mistake they retaliated by charging off my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to resolve this issue with the debt collector because this is not my account. I have been a victim of idenity theif. I have asked that several times to investigate this item. The item listed below is the account that is not mines : PORTFOLIO RECOVERY # XXXX XX/XX/2018 {$1000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I currently have four fraudulent accounts appearing on my credit report. 

1. XXXXXXXX XXXX XXXXXXXX {$160.00} 2. XXXX XXXX XXXX {$240.00} 3. XXXX XXXX {$190.00} 4. XXXX XXXX {$230.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite several written requests, the ITEMS stated below continue to appear on my credit report, in violation of the FCRA. The Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the period specified by law, they failed to adequately investigate the situation by using a third party as their verification provider, and they continued to report unconfirmed and unverified information. Given my attempts to address it directly with three CREDIT BUREAUS, they are intentionally negligent and in violation of federal statutes, and I need this situation resolved soon. Please delete the following elements from my file : 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 AV XXXX XXXX, XXXX  XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$420.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$4400.00} ; XXXX XXXX  XX/XX/2023 ; XXXX XX/XX/2023 ; XXXX XXXX XXXX XX/XX/2023.
Product: Debt collection

TSI ( Transworld Systems INC ) made contact with me regarding a debt via text only. I have no interest with TCI and have granted TCI permission to contact me via SMS/text. 
The communication took place on XX/XX/XXXX at or around XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. My request for the correction and removable of the erroneous information about my inquiries have been diligently neglected by 3 credit bureaus. Despite sending them the complaint. I have not received any response up to this date. Besides, the inaccurate information about my inquiry is still on my report. Therefore, XXXX, XXXX and transunion has not complied with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the inquiries that are ( still ) reporting on my accounts and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX Inquiry Date XX/XX/XXXXXXXX XXXX Inquiry Date XX/XX/XXXXXXXX XXXX  Inquiry Date DC XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXXXXXX XXXX  Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX Inquiry Date XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing once again to follow up on my previous dispute regarding inaccuracies in my credit report. I previously submitted a dispute regarding the account listed below and have not yet received a satisfactory resolution : Despite my initial request for correction and reinvestigation, I have yet to receive confirmation that these inaccuracies have been addressed. As a consumer, I have the right under the Fair Credit Reporting Act ( FCRA ) to an accurate and fair credit report. Therefore, I am requesting an immediate reinvestigation and resolution of this matter. 

Additionally, I formally request the following : 1.Confirmation of the corrections made to the disputed item.

2.Assurance that these inaccuracies will not be reinserted into my credit report without proper notice, as required by the FCRA.

3.A detailed written response outlining the results of your investigation and the actions taken to resolve the inaccuracies. 


DEPT OF EDUCATIONXXXX XXXX, DEPT OF EDUCATIONXXXX XXXX , DEPT OF EDUCATIONXXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX
Product: Debt collection

The original creditor was XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, SC XXXX who used Hunter-Warfield to collect a previous debt for them. As off XX/XX/year> the amount owed was at a total of {$1000.00} ( principal owed of {$1000.00} and interest of {$53.00} ) and I settled the account in full for {$530.00} on XX/XX/year> after making a payment on XX/XX/year>. XXXX stated that XXXX XXXX agreed to these terms before they sent out the final debt satisfaction letter. Now as of XX/XX/year>, XXXX XXXX has gone and added to my credit another debt collection for {$210.00} through a debt collection agency named National Credit Systems. National Credit Systems collection agency will not verify the debt and XXXX XXXX apartments is trying to charge me again for a settled debt. I have the documentation to prove that the account has been paid as agreed.
Product: Credit reporting

I just checked my personal credit report, just discovered an unauthorized and fraudulent credit inquiry made by XXXX XXXX on or about XXXX/XXXX/15 on EQUIFAX. I did not authorized anyone employed by or at this company to make any inquiry or inquiries and view my credit report. XXXX XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. I have requested that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus immediately and have them remove the unauthorized and fraudulent hard inquiry immediately. I also requested that they remove my personal information from their records.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM FILING THIS COMPLAINT BECAUSE XXXX, XXXX, AND TRANSUNION HAS IGNORED MY REQUEST BACK IN XXXX OF 2018 IS WHEN I FIRST NOTICED THE UNFAMILIAR ACCOUNTS LISTED ON MY CREDIT REPORTS SO I MAILED OFF MY LETTER TO THE BUREAUS ASKING FOR THEM TO CORRECT THEIR ERRORS MY FIRST LETTER WENT OUT IN XXXX, SECOND WENT OUT IN XX/XX/2018, THIRD WENT OUT IN XXXX AND MORE LETTERS WENT OUT SINCE THEN REQUESTING THAT THEY HONOR THE FEDERAL LAW-FCRA 611 ( 5 ) ( A ) AND PROMPTLY DELETE ALL INFORMATION WHICH CAN NOT BE VERIFIED. THIS INCLUDES THE FOLLOWING ACCOUNTS : XXXX XXXX XXXX ACCT # XXXX XXXX XXXX XXXX ACCT # XXXX XXXX XXXX   ACCT # XXXX XXXX XXXX ACCT # XXXX I DID SOME RESEARCH AND AS I UNDERSTAND, FEDERAL REPORTING LAWS, PARTICULARLY METRO 2 DATA FORMATTED REPORTING REGULATIONS ENACTED AS A RESULT OF THE CRSA, REQUIRES THAT ANY AND ALL INFORMATION OR NOTATIONS ALLEGED BE CERTIFICATED COMPLIANT AS WELL AS FULLY TRUE, CORRECT, COMPLETE, TIMELY, PROVEN MINE AND PROVEN OF MY RESPONSIBILITY. IT IS WITH CLARITY THAT THE SAME LAWS DICTATE THAT NO ENTITY INCLUDING A CONSUMER CREDIT REPORTING AGENCY SUCH AS YOURSELF CAN EXCUSE ITSELF FROM THE RESPONSIBILITIES OR LIABILITIES SHOULD THAT ENTITY BECOME DEFICIENT IN THAT COMPLIANCE OR PHYSICAL PROOF OF IT.I AM ENACTING MY CONSUMER RIGHTS TO HAVE ONLY CURRENT TRUE ACCURATE AND PHYSICALLY PROVEN METRO 2 COMPLIANT INFORMATION REPORTING. I DO NOT AUTHORIZE YOU TO RETAIN ANY OTHER ACCUSATIONS OF ADVERSE DEROGATORY NATURE, RETAIN OR RETURN TO REQUISITE METRO 2 COMPLIANCE BY YOUR WILLFUL ANNULMENT OF ANY AND ALL OF THE ABOVE LISTED. THANK YOU IN ADVANCE
Product: Credit reporting or other personal consumer reports

I am submitting this comment to the Consumer Financial Protection Bureau ( CFPB ) regarding ongoing issues with inaccurate, inconsistent, and incomplete information on my consumer report. I have disputed these errors three times. Unfortunately, despite my efforts, the disputed accounts were either marked as verified or accurate, yet they continue to be reported with additional incorrect, inconsistent, or incomplete information. Despite my prior disputes, the information remains incorrect and is severely impacting my credit standing. I kindly request the CFPBs assistance in ensuring that the credit bureaus take appropriate action to correct these inaccuracies and remove these accounts from my credit reports.