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

i have been fighting with bank of america for over 3 1/2 years now and they are playing silly games!!! I recently filed a complaint with CFPB about 75 days ago, and i got a response from CFPB that the bank said i should call them to make a report of fraud, well i had already done this in XX/XX/XXXX, but i figure id try it again, after 10 phone calls i finally was transferred 5 times through all departments [ 45 mins ] to get to the fraud department, and they told me the same thing!!!!!! as XX/XX/XXXX, AFTER ANSWERING ALL THEIR SECURITY QUESTIONS THEY WANTED TO KNOW MY DEBIT CARD NUMBER FROM XX/XX/XXXX OR WOULD NOT PROCESS ANY CLAIM!!! THIS IS TOTALLY STUPID BEYOND MY BELIEF,!!! THEY SAY BECAUSE IT IS A FAILURE TO PROVIDE INFORMATION REQUESTED THEY WILL NOT PROCESS A CLAIM FOR FRAUD??!!! THIS IS CLEARLY CRIMINAL,!!! so lets take a look at this FRAUD, there was a debit purchase made in XX/XX/XXXX at " the battery shop '' for XXXX. at that time the account was closed with a XXXX balance, how could a debit occur when there was a XXXX balance?? they can not answer, furthermore ive been a XXXX all my live and drive a XXXX truck, WHO IN THEIR RIGHT MIND BUYS A XXXX $ $ BATTERY?? not even XXXX, ive sent them a letter asking for validation of debt and CEASE AND DESIST, and they send me back a statement, a statement proves NOTHING!! ive called over 50 times over the past years to experience manipulative un-coroperative, criminal behavior, its a discrace!! furthermore they are in NUMEROUS VIOLATIONS OF FDCPA!!! alledged debt reported inaccuratly, defamation of character, many disputes by me and they fail to show validation, they refuse to correct false information, they still continue to report an unvalidated debt, heres about 6000 $ $ in violations, FURTHERMORE THIS ALLEGED DEBT IS PAST 7 YEARS OLD EFFECTIVE XX/XX/XXXX!!! AND THEY OWE FINES FOR THAT TOO!! THIS BANK OF AMERICA IS NOTHING LESS THAN XXXX CRIMINALS, THEY HAVE ABSOLUTELY NO RESPECT FOR THE LAW OR ANYBODY 'S RIGHTS, THEY ARE TOTALLY WITHIN THE WRONG!!! VERY UNPROFESSIONAL AND NEGLECTFUL IN ALL ASPECTS OF MORALITY AND COMMUNICATION TOTALLY SUCKS!!!!! i can go on and on and on, the total retardation when you call them how many times they play their silly word games and transfer the line when a problem so simple could be solved so easily, they still REFUSE to cooperate and play games > > just like the criminals they are!! so can anyone tell me why after 7 years theyre still reporting an alleged debt??, WHY BANK OF AMERICA IS IN MY LIFE WITH NO VALID CONTRACT?? PLEASE EXPLAIN THIS TO ME, bank of america at least should have been out of my life with this frivolous XXXX on XX/XX/XXXX and they are over months PAST DUE, so they owe me for that violation also, i will continue to complain untill they are gone!!! so to the CFPB, i did call them and try to resolve this matter 4 days ago and they drove me NUTS on the phone and kept requiring me to give them a debit card # from XX/XX/XXXX, this is totally XXXX, nonsence!!!
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX XXXX - Address : XXXX XXXX XXXX XXXX - City, State, Zip : XXXXXXXX XXXX XXXX  Social XXXX **Date : XX/XX/year> Company Information : - Company Name : XXXX XXXX XXXX XXXX **Subject of Complaint : ** Reinsertion of Deleted Information on Credit Bureau File **Complaint Details : ** I am writing to formally submit a complaint against XXXX XXXX XXXX XXXX regarding the unauthorized reinsertion of information on my credit report that was previously deleted. 

**Background : ** 1. **Account Information : ** - Account Number : unknown - Original Creditor : XXXX XXXX XXXX XXXX XXXX Type of Account : Auto Loan 2. **Timeline of Events : ** - On XX/XX/year>, I discovered that inaccurate information related to my account was reported to the TransUnion credit bureaus. 
- I disputed this information with the credit bureaus on and the information was subsequently deleted from my credit report. 
I noticed that the previously deleted information was reinserted into my credit report without my consent or notification. 

**Nature of the Complaint : ** The reinsertion of this information is not only misleading but also detrimental to my credit score and financial standing. Under the Fair Credit Reporting Act ( FCRA ), I understand that a creditor must provide proper notice before re-inserting any information that has been previously deleted. I did not receive any such notice from XXXX XXXX XXXX XXXX, nor was I given an opportunity to dispute the reinserted information. 

**Impact : ** The reinserted information has negatively affected my credit score, making it more difficult for me to secure loans and affecting my overall financial health. I believe this action by XXXX XXXX XXXX XXXX is a violation of my rights under the FCRA. 

**Resolution Sought : ** I request that the CFPB investigate this matter and take appropriate action against XXXX XXXX XXXX XXXX for their failure to comply with the FCRA . Additionally, I seek the following resolutions : 1. Immediate removal of the reinserted information from my credit report. 
2.Assurance that proper procedures will be followed in the future to prevent similar occurrences. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution of my complaint.
Product: Credit reporting or other personal consumer reports

I have applied to XXXX XXXX to be a part of their patient XXXX program. For the last XXXX years, I have had to send them tax returns as proof of my income because they subscribe to a service that I think is Experian XXXX that verifies income that is telling them my income is 4 times what it actually is. 

As I'm sure you are aware, Credit Reporting Agencies are as difficult to contact as XXXX XXXX. I can't even get the XXXX company to tell me any info about the service they use because " that department doesn't take incoming calls. 

I don't know where to turn for help. I ope yo receive this before the new XXXX closes you down. 

PLEASE HELP
Product: Credit reporting or other personal consumer reports

I am a victim of severe XXXX XXXX and this determination qualifies me for certain protections under federal law, including the blocking of adverse credit information.
Product: Vehicle loan or lease

XXXX XXXX XXXX XXXX, TX GM Financial XXXX, TX XX/XX/19 Car Inquiry with XXXX XXXX XX/XX/19 Loan Sent back XX/XX/19 Loan Declined XX/XX/19 Dealership wants me to sign new paperwork XX/XX/19 Told Dealership They can take car back XXXX Told Dealership I dont wont to proceed, offered different monthly payments & to pickup vehicle XX/XX/19 Contacted via text by Dealership & that they wanted to Pickup truck ; Told Dealership I was out the country would return truck upon arrival. 

XX/XX/19 Hard Inquiry On Credit via GMF XX/XX/19 Contacted GMF about a unauthorized inquiry XX/XX/19 Vehicle Returned To Dealership & Contacted GMF to Not Proceed with Funding. 

XX/XX/19 Receive notification Inquiry on credit of a New Auto Loan funded w/o my Authorization.
Product: Debt collection

CHRYSLER CAPITAL VIOLATED MY CEASE AND DESIST LETTER 15 USC 1692C ( C ) BY SENDING ME A POST CARD HARASSING AND THREATENING ME THAT THEY WILL REPOSSESS MY PROPERTY. THEY ALSO VIOLATED 15 USC 1692 D IN RUINNI MY REPUTATION WITH PUTTING A LATE PAYMENT ON MY CREDIT AND THE THREAT OF STEALING FROM ME. 
ALSO 18 USC 8 STATE ALL MY DEBTS WERE ASSUME BY THE UNITED STATE SO HOW DO I OWE THEM A DEBT
Product: Payday loan, title loan, or personal loan

On XXXX someone stole my identify and took out a loan from check and go for {$750.00} in my name. I received a call from a debt collector on XXXX informing me that I failed to pay my loan. Reference number XXXX Thats how I found out about the theft. I reported the fraud to the police department and officer XXXX came to my home and took the report. I sent a letter dated XXXX to XXXX XXXX XXXX requesting all documentation to see who took the loan out. They sent me a letter dated XXXX stating the ID Theft had occurred in this situation. I was informed they could not provide me with any information I would need a court order.
Product: Credit card or prepaid card

was given a {$100.00} American Express gift card last XXXX and was holding on to it to spend on occasion. my daughter tried to use it to buy some clothes and the card was denied I called American Express and they said a previous purchase had been made with the card for XXXX XX/XX/2022 at a store in Texas called XXXX. I called the store and they said they've been getting calls all the time for the same thing and they thought I was trying to scam them. they said they weren't even open XX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with FAIR CREDIT REPORTING ACT accounts from XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX and XXXX XXXX have come back verified. How is this true when there are inaccuracies on my report. I demand to see full method of verification according to the FCRA. Pursuant to 15 U.S.C 1681 section 602A states I have the right to privacy. Pursuant to 15 U.S.C 1681 604 A section 2 It also states that a consumer reporting agency can not furnish my account without my written instructions. Also, I demand compensation of damages for each violation of {$1000.00} according to the FCRA 623 ( a ) ( 3 ) my disputes are not posted on any of the accounts in question on my report. See screen shots in the attachment. The above mentioned accounts are to be deleted from my credit report ( not updated ) as soon as you see this message. Thank you and have a happy rest of the year!
Product: Mortgage

I had 2 modifications with Ocwen Loan Servicing. I 've requested a print-out from Ocwen from XX/XX/XXXX that shows all monthly payments have been made. The newest re-modification that began on XX/XX/XXXX also shows all payments made. During this modification I called many times about a discrepancy showing on their website stating I had missed a month. After calling every month they kept telling me their system has n't updated. I told them I was concerned about how this going to reflect on my credit report and they stated that after everything updated, they would clear it with the credit bureaus. Not only did they not take this negative reporting off my credit report, they charged me 9 Property Inspection fees at {$13.00} each. I did n't even know I was being charged these fees until I requested an itemized print-out. When I asked a representative what these fees were for, they said when there 's a late payment and I 'm defaulting an inspector goes by my house. I told them again that I 've never defaulted on any payments and I can show bank statements if necessary of all payments made. My concern is that the reported information that was not factual and will unfairly negatively impact me for a long time. They continued to report for months after the modification was started and established that I was late. When I asked why they took so long for their system to update my record they stated " they have no set time frame for internal processing ''. I 'm a single mother XXXX XXXX and have had no financial help from my ex-husband for 5 years. I do n't have a lot of income at my current job and I have 9 deductions every week including XXXX for health care. I requested explanations from Ocwen and asked them to reverse the reporting on the credit bureaus because it shows payments made in full every month. After talking with several people I learnt that there was support and protection for consumers and I 'm hoping that there 's some resolve. Sincerely, XXXX XXXX
Product: Credit reporting 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. 

Account name : XXXX XXXX XXXX # XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX, Account name : XXXX XXXX XXXX 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

I have the app XXXX XXXX to keep track of my scores. I recently logged on and saw unknown suspicious accounts that were open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report. 

XXXX XXXX XXXX {$440.00} XXXX XXXX XXXX {$940.00} XXXX XXXX {$660.00} XXXX   XXXX XXXX XXXX {$1900.00} XXXX XXXX XXXX XXXX {$38.00}
Product: Credit card

This is my XXXX attempt with you to resolve the problem that PNC created by taking too much money from me, over XXXX dollars on my credit card ending in XXXX and then telling me they would reimburse me within XXXX hours which was XXXX  days ago. They are now refusing to deal with it and not doing what they told me, which is inappropriate and wrong. I want my money back right away and have waited long enough. The number I was using and the person I talked to is avoiding me now and no one will return my messages. This behavior is unprofessional and frustrating. Thank you, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : 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 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 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 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an identity theft report, my FTC report number was XXXX. Please find the ATTACHED documents to assist in the removing of the erroneous information and fraudulent accounts which were being posted to my reports. Here is the list of items which do not belong to me or were opened without my permission : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance : {$2400.00} XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX Balance : {$25000.00} XXXX XXXX Balance : {$3100.00} XXXX XXXX Balance : {$500.00} XXXX XXXX XXXX Balance : {$1000.00} XXXXXXXX XXXX XXXXXXXX Balance : {$31000.00} -- -- -- -- -- -- -- -- XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, NV XXXXXXXX XXXX XXXX XXXX  ( Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2400.00} XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX Balance : {$25000.00} XXXX XXXX Balance : {$500.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$31000.00} -- -- -- -- -- -- -- -- TRANSUNION : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX NV XXXX XXXX XXXXXXXX ( Original creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$2400.00} XXXX XXXX Balance : {$1400.00} XXXXXXXX XXXX XXXXXXXX Balance : {$25000.00} XXXX XXXX Balance : {$3100.00} XXXX XXXX Balance : {$500.00} XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXXXXXX XXXX XXXXXXXX Balance : {$31000.00}. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any items in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit card

XX/XX/year>2024 I recently discovered that I lost XXXX reward points, valued at over {$650.00}, subsequent to the closure of my Chase credit card account on XX/XX/year>2024. Despite my expectation that these points would either automatically transfer to an existing account or that I would receive notification regarding their forfeiture, the points disappeared abruptly without adequate warning. 

Today, on XX/XX/scrub> 2024, I contacted Chase customer service and engaged with both a representative and subsequently a supervisor in pursuit of a resolution. Regrettably, they conveyed their inability to restore my points due to the elapsed 30-day period. Furthermore, my attempt to seek redress through XXXX was similarly declined on the grounds of company policy. 

I find Chase 's current policy regarding reward points to be markedly inequitable and akin to an indirect financial loss to consumers. The retention of customers through promises of accrued reward points, followed by their summary forfeiture upon account closure, lacks transparency and fairness. 

In the interest of consumer protection, I urge Chase to reconsider and amend their policy by implementing the following measures : 1. Provide timely notifications following account closure via email, postal mail, and telephone. 
2. Facilitate automatic transfer of accumulated points to an active Chase account, if one exists. 
3. Offer a cash equivalent or voucher for the value of remaining points to customers who do not have an active Chase account. 

These steps are essential to ensure fairness and transparency in customer relations and to effectively safeguard consumer interests.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX  was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XXXX to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX  never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Debt collection

On XX/XX/XXXX, XXXX XXXX XXXX, on behalf of CreditFresh, sent a text to my ex husband, trying to reach me. I did not authorize this contact, nor for them to disclose that I had a debt, let alone one in collections. I dont know how they got his information, but seeing as I had a restraining order against my ex for most of XXXX, I would have never used him as a reference on this loan. They sent him a collections text, disclosing my name, the reference number of my case, gave him a mini-Miranda, and I am appalled. This has caused me embarrassment and emotional stress.