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

I am writing to notify you that I am a victim of a data breach, and the following fraudulent accounts have been identified on my credit report. I request that these accounts be blocked and permanently deleted under the provisions of 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ). 
Fraudulent Accounts : XXXX  XXXX - XXXX - XX/XX/XXXX - {$1000.00} XXXX XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX  XXXX XXXX  XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX  XXXX  XXXX  XXXX - XXXX - XX/XX/XXXX - {$370.00} XXXX  XXXX  - XXXX - XX/XX/XXXX - {$00.00} XXXX  XXXX, XXXX  - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$00.00} XXXX  - XXXX - XX/XX/XXXX - {$00.00} XXXX  XXXX  - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$00.00} XXXX  XXXX  - XXXX - XX/XX/XXXX - {$00.00} XXXX  XXXX  - XXXX - XX/XX/XXXX - {$600.00} XXXX XXXX  XXXX  - XXXX - XX/XX/XXXX - {$1100.00} XXXX - XXXX - XX/XX/XXXX - {$250.00} XXXX - XXXX - XX/XX/XXXX - {$190.00} XXXX  - XXXX - XX/XX/XXXX - {$00.00} XXXX  - XX/XX/XXXX Inquiries : XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX XXXX  XXXX - XX/XX/XXXX XXXX  XXXX  - XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

XXXX XXXX XXXX continues to hire collection agencies to hound me for a bill that I have already paid. I have sent proof of these paid bills to XXXX but they refuse to accept it. 
I explained to the XXXX XXXX collection agencies, from 2012, what was happening and I have n't heard any more from them. The XXXX Collection agency sent me a letter last week asking for payment. 
I would like to settle this so that they hounding me.
Product: Credit reporting or other personal consumer reports

Transition, XXXX and XXXX all single investigations into the disputes made by me on my credit reports of false and inaccurate information.
Product: Mortgage

My name is XXXX XXXX, and this is a follow-up to complaint number XXXX I filed on XXXX XXXX, 2016. On XXXX XXXX, I received the attached letter from BOA stating that I could no longer transfer money from my BOA savings account to pay my BOA home loan account. I just find this timing of this letter to interesting as it is drafted a day after my complaint filed with CFPB. This letter written by BOA is placing road blocks in the payment of my mortgage and is a bullying tactic on the behalf of BOA and borders some other unfair housing practices. I am asking for BOA to remove the late payments on my account from XXXX 2016 thru XXXX of 2016 and to allow the transfer of my payments from my BOA account to my BOA home loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is my name my social security number is XXXX XXXX year of birth. Equifax refused to do my dispute over the phone the office of consumer affairs keep s telling  me to send in documents in order to do my dispute they also refused to give me information about my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  Report Date : XXXX XXXX, XXXX CLOSED ACCOUNT STATUS Closed accounts stay on your credit report for up to 10 years since the date of last activity. Negative information such as late payments or collections, generally stay on your XXXX credit report for up to 7 years from the date of first delinquency. 

Details Payments Overview Account Number XXXX XXXX Account Status CHARGE_OFF Owner INDIVIDUAL Account Type REVOLVING Creditor Classification Loan Type CREDIT_CARD Original Creditor Name Months Reviewed 1 Activity Designator Terms Frequency MONTHLY Term Duration Purchased From Sold To Balance and Amounts Balance {$2700.00} Credit Limit High Credit Available Credit Account Dates Date Opened XX/XX/XXXX Date Reported XX/XX/XXXX Date of Last Activity Date of First Delinquency XX/XX/XXXX XXXX XXXX  Report Date : XXXX XXXX, XXXX CLOSED ACCOUNT STATUS Closed accounts stay on your credit report for up to 10 years since the date of last activity. Negative information such as late payments or collections, generally stay on your XXXX credit report for up to 7 years from the date of first delinquency. 

Details Payments Overview Account Number XXXX XXXX Account Status PAYS_AS_AGREED Owner INDIVIDUAL Account Type REVOLVING Creditor Classification Loan Type CREDIT_CARD Original Creditor Name Months Reviewed 38 Activity Designator Terms Frequency MONTHLY Term Duration Purchased From Sold To Balance and Amounts Balance {$0.00} Credit Limit {$2500.00} High Credit {$2800.00} Available Credit {$2500.00} Account Dates Date Opened XX/XX/XXXX Date Reported XX/XX/XXXX Date of Last Activity XX/XX/XXXX Date of First Delinquency
Product: Credit card or prepaid card

NOT MINE, NO LEGAL CONTRACT, not authorized, no knowledge of this account. I have this negative account reporting on my credit report the account is reporting negative information and the account is saying I had it and its been open for 23 years .If you do the math I 'm XXXX XXXX XXXX today if I opened this account 23 years ago that makes me XXXX XXXX XXXX XXXXCAN YOU PLEASE TELL ME HOW CAN A XXXX XXXX XXXX HAVE A CREDIT CARD IN THE USA.I CONTACTED COMPANY about this several times and They told me I 'm responsible for the account even after finding I was only XXXX XXXX XXXX at the time this account was opened .This is just ridiculous
Product: Student loan

I received the 'Hazard Reeves ' loan from XXXX XXXX XXXX XXXX in XX/XX/XXXX. This loan was serviced by " ACS Loan Service Provider ''. This company no longer exists and now appears to be " Conduent Education ''. However when I visited their site, it seems to they are no longer servicing my loan. 

From their site : " As of XX/XX/XXXX, Conduent Education ( fka XXXX ; ACS Education Services ; XXXX XXXX XXXX ) services has ceased all Student Loan servicing of all forms of such loans and all loans have been moved to other servicers. '' I have no idea who is currently servicing my loan and I have no idea how to find out. Since graduating in XX/XX/XXXX, I started seeing 2 missed monthly payments on my credit report for this loan. 

I need to know who is currently servicing my loan so I can pay the missed payments and keep my account current. I also need these missed payments removed from my credit report. I have every intention to pay off the loan but did no receive any communication about who my new loan servicer is, so I was not able to pay.
Product: Checking or savings account

Bank of America charging me maintenance fee of {$5.00} every month. Customer care representative told me that they announced about changes to Saving account in XX/XX/XXXX via monthly statement ( Paperless ) that any account without daily balance of {$300.00} will have to pay this fee. I just checked my savings account now ( almost one year later ) that BOA is charging {$5.00} every month. 

When i requested that they should have used better means on communicating a change in service which needs an action from account holder, they didn't have a better answer. I see this as a stealing from customers with sneaky means of communication. 

It happened with me earlier as well in XX/XX/XXXX & XX/XX/XXXX where they used to charge {$1.00} fee and when questioned they used to revert back the charges saying that its software problem. 

How can we make sure that BOA is not stealing our money. 

Thanks, XXXX
Product: Credit reporting

Ladies & Gentlemen, On XXXX/XXXX/15 I learned my credit card had been used fraudulently to obtain a credit report and background check. I immediately cancelled the card and renewed a fraud alert on my credit report. Thanks to the fraud alert, on XXXX/XXXX/15 I received a phone call from XXXX XXXX XXXX XXXX XXXX XXXX XXXX regarding an attempt by someone to open a line of credit with my information. 

Please remove this credit inquiry from my credit report since I did not apply for this line of credit. 

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

To whom it may concern : I am contesting any information on my credit report that I believe is not accurate. The data included in my credit report must be documented and validated before it is included on my report. I can't recognize or accept the allegation of delinquency and derogatoriness without factual proof. I challenge the reportability of this allegation, which doesn't meet federal or state reporting requirements. For any account that is alleged to be delinquent or derogatory, I request evidence that shows why the account is considered to be in that state. This should include proof of a permissible purpose for any inquiry into the account. I am giving you 30 days to investigate the matter and confirm that it is being reported correctly or remove it from the report. If any of these claims are not true, please delete them immediately.
Product: Money transfer, virtual currency, or money service

I don't have a CashApp account and have never had a CashApp account or any account with Block , Inc and its subsidiaries. Someone used my SSN to create an account with CashApp and used it for nearly {$10000.00} worth of transactions in XX/XX/2024. CashApp filed a 1099k with my SSN and is refusing to correct it. According to them, because I don't know the information for the account that was fraudulently created using my SSN ( like the email ), they have no way to look up the 1099k and correct it. They are refusing to speak with me more about it and will only speak with the police. I filed a local police report but the police have said there is little they can do.
Product: Credit card or prepaid card

I was told that my XXXX Visa Signature card issued by Synchrony Bank came with protections like trip cancellation coverage and lost bag protection. When I received the card, the guidebook explaining all these benefits was missing. I called Synchrony and the representative told me that THIS CARD DOESNT OFFER THOSE PROTECTIONS, they are apparently from Visa. I asked why his card advertised these benefits when they are not offered by Synchrony for this card. He told me to XXXX Visa Benefits to find the benefits or call a generic number. A search of the internet turned up no results for the guidebook, nor would the Visa site let me register the card to view these benefits. This is clearly an advertising scam by Synchrony, these benefits/protections are not associated with their Visa Signature product. 

Call details : XXXX Employee ID XXXX XXXX XXXX XXXX EST
Product: Credit reporting or other personal consumer reports

The collection company Portfolio Recovery sent me a settlement offer. I accepted the offer & made the XXXX time payment to them in XX/XX/2024. My credit report still shows this company is reporting this & that I am past due. This is not correct. Can u please have them correct this?
Product: Checking or savings account

Yes I received an email from paypal stating that they took {$1900.00} out of my account for an XXXX XXXX that I never ordered or authorized! I tried contacting PayPal numerous times & they are ignoring me! They owe me {$2000.00} immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a fraudulent account that was verified as accurate by XXXX and Transunion. I have not done any business with XXXX XXXX XXXXXXXX, but there is a credit card that was opened in my name. The investigation done by XXXX and Transunion could not be accurate because I was unable to get a verification of my SSN used on the original application.
Product: Credit card or prepaid card

The credit card company is Capital One. I have been paying the 30 % interest rate since I missed a payment last year. I was told they would review and lower my rate in 6 to 12 months when I called last year. 
I called two weeks and one week ago to request lowering my interest rate. My payments since 8 months ago have been on schedule. I was told they can review it in 4 months, both times I spoke to their supervisor.
Product: Checking or savings account

On XX/XX/XXXX, I suddenly lost access to my Citi Accelerate Account. 

The next day or so, I called their customer support and they could not verify my accounts existence, apparently account was suspended. 

The following day I called Citi Fraud Department, and then I was notified that there was no fraud but there is some investigation going on the account. 

On XX/XX/XXXX, I received email ( attached here ), that my account will automatically close within 60 days. 

Same day or next, I called their phone line and I was told the available balance of around XXXX. Still, no explanation of why the account was closed. They also mentioned I will receive a letter detailing account closure and that I can visit a Citi branch to see if I am allowed to transfer the amount earlier than 30 60 days. I followed up with a visit to a Citi branch in XXXX, and they said their account is not linked to the US system. Currently, I am traveling in XXXX. 

All this time, I can't even see what is in my account. Also, I can not transfer my available balance to other financial institutions. I dont find this to make any sense because my XXXX XXXX XXXXXXXX account is verified with Citi as I made my transfers to the Citi account from my XXXX XXXX XXXXXXXX account few times . I don't see why they can't give me the options to send the amount back to where it originated from. 

Also, I haven't received the letter detailing why may account is closed, nor have I received a check for the balance from Citi. 

Resolution I seek.

1. Please inform me exactly why my account is closed.

2. Allow me to see my account activities as well as make on final transfer to my XXXX XXXX XXXX account as it is already verified with Citi.
Product: Credit reporting, credit repair services, or other personal consumer reports

It is very simple I had a secured credit card with BBVA ( at that time Compass ) that was opened in XX/XX/XXXX and it was closed in XX/XX/XXXX after I was unable to make the payments and had discovered a family member had been using it incorrectly, which I did not know for about three months. It was charged off sometime late XXXX or early XXXX, not sure of that exact date. 

Fast forward to XX/XX/XXXX, my XXXX ( only XXXX ) began reporting the account status as open out of nowhere, I have no clue why or what happened of course I then began a course of disputes with XXXX and arguing with them because I assumed maybe it was a glitch with there system, then after getting no where with them and every time BBVA confirming the accuracy of the reporting, I began hunting down who to contact at BBVA since I no longer had the full account number any longer or where to begin, finally I was able to get through on some XXXX phone number and the rude agent reluctantly gave me my full account number and this email as the ONLY way to contact the dept that handles these matters, XXXX! I began communicating on XX/XX/XXXX and was assured it would be sent over to the dept that handles the credit reporting and fixed, I have contacted them multiple times and still no action/response, and of course you will see with the documents I attached they were careful to encrypt their responses so I am unable to supply copies of that! 

This account is reporting 4062 % credit usage on my XXXX, I am trying desperately to correct my irresponsibility and to carefully watch my credit on a go forward as to correct bad ways and improve my status '! 

CAN SOMEONE PLEASE HELP!
Product: Credit reporting, credit repair services, or other personal consumer reports

i have a XXXX XXXX rewards card on XX/XX/XXXX i made a payment of {$100.00} for XXXX payment. On XX/XX/XXXX i made an payment of {$1000.00} for XXXX 's payment with a due date of XX/XX/XXXX. On XX/XX/XXXX i mad a {$300.00} payment for XXXX 's payment. less than five days after the XX/XX/XXXX due date. So i was very surprised when i found out that XXXX card reported that missed XXXX 's payment because the payment was made on XX/XX/XXXX and not after XX/XX/XXXX which would actually make my payment late and being charged a late fee. after contacting XXXX card their response that i paid before XX/XX/XXXX so my payment was allocated as an additional XXXX payment instead of the XXXX payment in which was actually paid for. How can i make on time payments when i have to wait until after the due date for them to count as an payment for that month. I have continued to make my payments in this same manner and have not had problems with any other creditor including XXXX. so now XXXX cars say i was late 30-59 days for XXXX since i made my payment after XX/XX/XXXX. Looks like the rules on allocation change from day to day and month to month. After showing payment proof to credit reporting agencies no changes have been made and my credit score is still reflects a 60-70 point drop because of this very bad case of inaccurate reporting i this killed my chance of home ownership a year ago. today the interest rates continue to rise along with home values as well. this has been and is proven still to be a very costly action against me on the behalf of XXXX 's false reporting 0f a 30-59 day missed payment. If not for that would i have an perfect payment history. and i should still.if you research my credit report and their correspondence you can see the how they made changes to cover up their mistake
Product: Credit reporting, credit repair services, or other personal consumer reports

Lexington Law refuses to answer the phone when I tried to attempt to inform to them verbally that theyre terminated, but Im sure they are already aware of that fact sense I sent them emails and messages in writing confirming that.

Also, the paralegal or the receptionist hung the phone up in my face this morning because of the XXXX  of my skin and I have full proof. The call was being recorded. The Lexington Law associate hung up in my face between XXXX-XXXX  this XXXX. Im making sure I document everything for myself and the credit bureaus. Lexington Law is hands down the worst credit repair company. XXXX  is just plain evil.
Product: Debt collection

I am a victim of identity theft. The tradeline, which appears on my credit report from XXXX XXXX XXXX XXXX XXXX last reported XX/XX/2021 in the amount of {$450.00} does not relate to any transaction ( s ) credit account I have ever had. It is the result of identity theft. I received a copy of my credit reports and discovered this trade line on my credit report. I did not authorize this account or transaction. I did not apply for any credit with this company and have no existing accounts with. Please delete this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act. I have contacted from XXXX XXXX XXXX XXXX XXXX and have not received any reply.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing concerning a {$210.00} balance reported by XXXX XXXX XXXX XXXX for a debt previously owed. According to the company the debt is a remaining balance for a debt originally in the amount of {$700.00}. However, the debt has been settled in full as of XX/XX/XXXX. 

I previously received a letter dated XX/XX/XXXX which indicated if a payment of {$490.00} was received by XX/XX/XXXX the account would be " settled in full ''. As a result I obtained a money order from my financial institution on XX/XX/XXXX and mailed the item to Portfolio Recovery the same day. 

Despite paying the settlement, an additional {$210.00} balance was added to my credit report. On XX/XX/XXXX I submitted a dispute of the {$700.00} balance and informed the agency of the settlement. I allowed 30 days for a response and have not had any feedback since that time. However, as of XX/XX/XXXX Portfolio Recovery has reported a {$210.00} balance. 

This is dishonest and incorrect. Is there anything that can be done to get this matter rectified? I would be happy to provide a copy of the settlement agreement provided by Portfolio Recovery as well as proof of the money order sent and date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Americollect inc has listed collection accounts on my credit report. Americollect has not provided me with service details. Americollect inc is not licensed in the state of Florida to collect on debt.
Product: Credit reporting or other personal consumer reports

I am challenging the account being furnished on my credit report with the account number XXXX. XXXX, XXXX, and Equifax failed to conduct a proper investigation and remove this inaccurate account. On XX/XX/2022, the account XXXXXXXX XXXX  XXXX was placed with XXXX XXXX XXXX for further collection. I am confused why there is a balance reporting for the account XXXX when this debt was sold and is no longer with XXXXXXXX XXXX This debt is passed the statute of limitations in the state of Texas and is uncollectible. You may contact XXXX XXXX Attorney from XXXX at XXXX if you would like to discuss the details of the account. You failed to report this account according to FCRA regulations and I am demanding that this account is removed from my credit report.
Product: Credit reporting or other personal consumer reports

On my credit report all of them EQUIFAX, XXXX, XXXX, I HAVE ACCOUNTS THAT BOGUS THAT SHOULD NOT BE MINE THERE ARE OVER 30 INQURIES THAT ARE NOT MINE SOME LOAN ACCOUNTS THAT HAVE BEEN PUT ON 2 TO 3 TIMES THAT I DID NOT OPEN ALSO I AM A VICTEM OF IDENITY THEFT SINCE 2017 IT SEEMS LIKE EVERYTIME STUFF COME OFF MY CREDIT REPORT IT COMES BACK. ALSO I HAVE SENT IN POLICE REPORTS ALOT OF TIMES BUT THE DURAGATORY STUFF WONT COME OFF I HAVE 2 BANKRUPTCYS THATS SHOWING ON MY CREDIT THAT SHOULD NOT BE SHOWING BECAUSE IT WAS THROWN OUT BECAUSE IT WAS IDENITY STUFF WE FOUND SO THE JUDGE SOPPED THE BANKRUPTCY RIGHT THEN ONLY WAS A MONTH .SPOKEN TO CREDIT DEPARTMENTS AND TOLD THEM I HAD NOT MDE NO INQURIES BUT ALL 30 ARE STILL THERE AND ACCOUNTS SO NOW IM TAKING ACTIONS TO GET THIS REMOVED OFF ALL MY CREDIT.
Product: Money transfer, virtual currency, or money service

I made a transaction on XX/XX/2024. Using my account as source of funding so The transfer service Tranferwise Inc ( Or Wise Inc ) could add the funds to the balance account I have with them. The money was debited via ACH from my account but as XXXX the funds are not yet available for me to use within the app even though they stated the fund would be available by EOD XXXX. 

I called them several times to try to understand the issue and they just made excuses and ended hanging out the call with no resolution nor a ETA. Just told me to keep waiting without further assistance or even transferring me to the escalation department.
Product: Debt collection

ON XX/XX/XXXX WE SOLD OUR HOME THAT HAD THE FLORIDA POWER AND LIGHT ACCOUNT UNDER MY NAME, ON XX/XX/XXXX THE CUSTOMER REQUESTED THAT THE ACCOUNT BE PUT UNDER THEIR NAME AND THAT THE BILL FROM XX/XX/XXXX TO THE CURRENT DATE BE SENT TO THEM. XXXX DID NOT DO THIS AND CONTINUED TO BILL ME UNTIL XXXX. ON XXXX, THE CUSTOMER ONCE AGAIN STATED XXXX LIKE THE RESPONSABILITY OF THE BILL WHERE XXXX STATED THEY CAN ONLY BILL UNTIL XX/XX/XXXX. ON XXXX XXXX CREATED A FINAL BILL IN MY NAME FOR XXXX. IT WAS LATER TOLD TO ME BY THE NEW OWNERS THAT THEY HAD SATISIFIED THE OUTSTANDING BALANCE. XXXX LATER SENT A BILL TO ME FOR XXXX WHICH INCLUDED THE AMOUNT FROM XX/XX/XXXX TO XXXX. THIS WAS SENT TO COLLECTIONS AND ADDED TO MY CREDIT REPORT. XXXX CLAIMED THAT IF I PAID THE AMOUNT THAT IT WOULD BE REMOVED FROM MY REPORT AND UPDATED. I PAID THE XXXX IN XXXX TO XXXX AND THEN WAS INFORMED BY CREDIT COLLECTIONS SERVICES ( CCS ) THAT THE ACCOUNT WILL ACTUALLY NOT BE CLOSED AND REMOVED, IT WILL ONLY BE UPDATED TO PAID. I HAVE CALLED NUMEROUS TIMES, REQUESTED DETAILED BILL BREAKDOWNS, SHOWN THEM EMAILS FROM THEM, AND HAVE NOT BEEN PROVIDED ANY SINCE THEY CLAIM ONCE TURNED TO COLLECTIONS THEY CAN NOT ACCESS THOSE.