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

Bank of America chose to open a dispute XXXX XXXX, XXXX for only {$75.00} for an XXXX XXXX XXXX order that totaled {$250.00}. While the {$75.00} was returned evidently BOA never undertook the promised investigation or followed up as the dispute should of been filed for the full amount and I have discovered that despite assurances to the contrary BOA did not bother to either research the claim as presented nor resolve the dispute leaving me exposed to additional unwarranted charges by the vendor in question. 

The dispute was never actually fully considered let alone settled as BOA alleged yet they without any notice to me withdrew XXXX from my checking account under guise of having completed a non existent investigatation and affording me no notice - written or otherwise of my rights to appeal their decision nor warning of their taking of my XXXX XXXX funds as it was implied that they had waited until my XXXX XXXX transfer has occurred to make the unauthorized withdrawal. 

I an attempt to determine what had occurred I encountered BOA customer service representative XXXX around midday on the XXXX of XXXX who in two separate phone calls became enraged and disregulated to an extent I have not witnessed in my nearly XXXX years attacking me in what can only be described as an abusive manner for merely contesting her assertion BOA had the right to take my money given they had provided me no notice or opportunity to respond to their done decision decision. When I cited FDIC regulation E she grew even more angry and combative and after denying my many desperate pleas to speak with a supervisor for what seemed like at least 30 minutes of abusive behavior towards me she in two seperate occasions placed me on interminable holds that ultimately prevented me from speaking to anyone in authority. Following XXXX attack I suffered a XXXX XXXX XXXX which rendered me unable to continue be an effective advocate. 

Furthermore, the money BOA was took was my grocery money for the month and now I basically have nothing to eat, am XXXX by the XXXX, and have a total of XXXX dollars to my name all because BOA did not follow the proper procedures. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to XXXX, XXXX and TransUnion on XX/XX/2022 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 38 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect items reporting on my credit report
Product: Credit card or prepaid card

Around the end of XXXX first part of XXXX I recieved a card from Bank America. I called up and informed the lady that I changed my mine and did not want the card that I did not activate it that I cut it up. She said no problem as long as I did not activate it. On XX/XX/XXXX I talked with person from fraud department Name of XXXX explained what had happened and I was being charge {$2800.00}. He said the account was closed. On XX/XX/XXXX talked to XXXX he said the same thing. I ask him then why am I being charged for a service I never authorized. He said the account is under review and closed. On XX/XX/XXXX talked to XXXX she said she would reopen the claim under a different type. On XX/XX/XXXX got a statement from Bank America showing two different accounts which I never requested. One says account ending in XXXX closed new account XXXX saying I owe {$2800.00} which I have no idea where that account came from. I keep telling them to check the phone recordings and it will tell the whole story from day 1. Which they are not doing or I would not be in this.
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. 

Us DEPT of EDucation ; # XXXX XXXX XXXX  XXXX XXXX, TX XXXX Phone : ( XXXX ) XXXX DEPT OF EDUCATION / XXXX : Account # XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, OK XXXX Phone : ( XXXX ) XXXX DEPT OF EDUCATION XXXX XXXX  Account # XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX, OK XXXX Phone : ( XXXX ) XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone : ( XXXX ) XXXX has violated my rights and i want them removed IMMEDIATELY 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 or other personal consumer reports

I have been a victim of identity Theft. My information has been exposed in the XXXX XXXX XXXX. The following inquiries and addresses are not affiliated with me nor are they authorized by me and I would like them to remove from any affiliation with me immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax lost my information in their breach. In response I had to immediately put a freeze on all the credit reporting sites, which cost over {$30.00}, not counting the massive potential for use of my PII in financial or other matters and the time and effort it would take to resolve such issues.
Product: Consumer Loan

I was in an accident, the other driver being at fault. His insurance accepted full responsibility, and declared my vehicle a total loss. A payment of almost {$9500.00} was made to  Wells Fargo Dealer Services, leaving rough ly {$2200.00} left on my loan. I understood that this was my responsibility to pay and called to inquire how it all works. I was led to believe that my remaining balance would be spread among the 5 yrs left on my loan, thus making my monthly payments lower. Which is the factor I took into account when obtaining a separate loan for another vehicle. I calle d Wells Fargo Dealer Services customer service when I noticed my payment due was still at {$250.00} and was then told " unfortunately '' that it is not an option. Representatives have been rude, unhelpful and impossible. From there I have been repeatedly bounced from one dep artment to another in my quest to find a resolution. I have had to finance another vehicle, with a larger APR, and my payment for the new loan is {$330.00} per month, I have stressed I can not afford {$250.00} along with my other loan payment. Had I known this would be an issue I would have explored other options. However with the incorrect information from  one  representative I am now having to fight these people to keep good on my word without going broke. I have been completely honest and willing to work wit h Wells Fargo Dealer Services, stressing that my goal is to find an option that works well for both parties but I am getting nowhere. My hope is the complaint process will at least mediate a resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion File # XXXXXX/XX/2018XXXX XXXX XXXX XXXX XXXX CA, XXXX has no unit number and is not no address and Transunion has showing on my credit report address that is in error. correct address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Transunion has address that is not my address correct. Transunion runs multiple address of the same address over and over. This address was in 4 different ways in a address.
Product: Debt collection

According to the Fair Credit Reporting Act ( FCRA ) Section 605B. It is illegal to report information on my credit report without my permission. Please remove these alleged items from my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was open online over the internet. BY LAW SECTION 609 ( a ) ( 1 ), YOU ARE REQUIRED BY FEDERAL LAW TO VERIFY- THROUGH THE PHYSICAL VERIFICATION OF THE ORIGINAL SIGNED CONSUMER CONTRACT-ANY AND ALL ACCOUNT YOU POST ON A CREDIT REPORT. OTHERWISE ANY AND ANYONE PAYING FOR YOUR REPORTING SERVICES COULD FAX, MAIL OR EMAIL IN A FRAUDULENT ACCOUNT. I DEMAND TO SEE VERIFIABLE PROOF ( AN ORIGINAL CONSUMER CONTRACT WITH MY SIGNATURE ON IT ) YOU HAVE ON FILE OF THE ACCOUNTS LISTED. YOUR FAILURE TO POSITIVELY VERIFY THESE ACCOUNTS HAS HURT MY ABILITY TO OBTAIN CREDIT. UNDER THE FCRA, UNVERIFIED ACCOUNTS MUST BE REMOVED AND IF YOU ARE UNABLE TO PROVIDE ME A COPY OF VERIFIABLE PROOF OF AN ORIGINAL CONSUMER CONTRACT WITH MY SIGNATURE ON IT, THROUGH THE PHYSICAL VERIFICATION OF THE ORIGINAL SIGNED CONSUMER CONTRACT-ANY AND ALL ACCOUNT YOU POST ON A CREDIT REPORT. OTHERWISE ANY AND ANYONE PAYING FOR YOUR REPORTING SERVICES COULD FAX, MAIL OR EMAIL IN A FRAUDULENT ACCOUNT YOU MUST REMOVE THE ACCOUNTS LISTED BELOW. FURTHERMORE, XXXX XXXX XXXX can not provide proof that this is my account. I am asking that this account is COMPLETELY remove from my credit history. XXXX XXXXXXXX XXXX  is not a business its SCHEME. Reporting information that is completely wrong. PLEASE REMOVE/DELETE FROM ALL FOUR CREDIT REPORTING AGENCY ASAP!
Product: Credit card or prepaid card

On XX/XX/XXXX I was billed for a third ( 3rd ) time in the amount of {$64.00}. It is even dated XX/XX/XXXX, posted XX/XX/2020. 

I am a XXXX year old XXXX American Veteran and the dollar amount was typed incorrectly in earlier complaint XXXX. Please forgive my error. As I am having a great deal of problems due to the incorrect billings by JP Morgan Chase bank. 
. 
There was just one ( 1 ) purchase with XXXX on XX/XX/XXXX. JP Morgan chase has billed me three ( 3 ) times for this amount.. 

Please be so kind to assist and get these negligent incorrect billings corrected.
Product: Credit reporting or other personal consumer reports

I looked at my credit report on XXXX XXXX XXXX and noticed Inquires, addresses and accounts that were revolving on my credit report that were fraudulently. I did try reaching out to the Credit Bureaus but was unsuccessful in getting the accounts deleted so I filed an identity theft complaint. 

I

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

I am distressed that Experian has included the information below in my credit profile and that they have failed to maintain reasonable procedures in their operations to assure maximum accuracy in the credit reports they publish. Credit reporting laws ensure that bureaus report one hundred percent accurate credit information. My dispute to correct the credit profile and demand more information about these accounts have yet to be respond to. Experian 's failure to positively verify these accounts has hurt my ability to obtain credit. Additionally, they updated the account stating they were able to verify the accounts accuracy without proof of this alleged item. But how is that possible? I have contacted the other bureaus as well to verify the accounts in question, and the accounts were deleted from my credit file. Since the account is inaccurate or incomplete, how is it then Experian could have verified the accounts correctly. The following information therefore needs to be reinvestigated. According to The Fair Credit Reporting Act. If the accounts can not be verified Experian must delete the accounts from my credit report and if they can not show proof, they have verified these accounts, Experian would be in violation of the law and violating my rights. 
According to The Fair Credit Reporting Act 15 U.S.C 1681 I ( 5 ) ( A ) According to The Fair Credit Reporting Act 15 U.S.C 1681 S-2 ( 8 ) ( E ) According to The Fair Credit Reporting Act 15 U.S.C 1681 I ( 1 ) ( A ) I continued my research and noticed there are violations presently listed on my credit report after Experian 's investigation was complete. Once again how is this possible if all the information listed is one hundred percent accurate and verifiable. 
I have circled the items I disputed on the attached copy of my credit reports to show the inconsistency between reporting of these accounts. 

For instance this item, XXXX XXXX in accordance with the Fair credit reporting act XXXX  account # XXXX ] has violated my rights and is inaccurate/or incomplete because the date opened, high credit, date last active is inaccurate or incomplete. 

15 U.S.C 1681 section 602A. States I have the right to privacy 15 U.S.C 1681 section 604A. It also states a consumer reporting agency can not furnish an account without my written instructions Attached are copies of my credit report supporting my request, response of bureau validation and my ability to not obtain credit. Also the bureau took more than 30 days to complete the investigation. I have also included my certified mail tracking receipts and return receipts. 

Thank you for taking the time to read my dispute.
Product: Debt collection

I received an initial notice dated XX/XX/XXXX from Grant & Weber , Inc., of XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX  notifying me of an account referred to Grant & Weber in an attempt to collect the balance now due in the amount of {$150.00}.
I attempted to contact the company on XX/XX/XXXXfrom the email address listed on their company web site ( http : //www.grantwebster.com/contact-us.html ) at XXXX. As of today, XX/XX/XXXX, I have not yet received a response to that email. Since I had not received a response within 30 days, I printed the email verbatim that was sent on XX/XX/XXXX, and then added a hand-written statement that I had attempted to contact them within 30 days to dispute the validity of the debt until further clarification can be made. Please provide a written response to the questions below to the address that you have on file. This letter was sent to Grant & Weber on or around XX/XX/XXXX. I have yet to receive a written response to that inquiry as of today, XX/XX/XXXX.
If Grant & Weber has attempted to contact me since, it has not been in writing, nor have they used any identifiable telephone number nor left a message identifying themselves to my voicemail.
Since I only knew account in reference from Grant & Weber, I have attempted to resolve it directly through them as the account is now in their hands. The original creditor has not been contacted as I have no reference to the specific account sent to collections.
Please see the relevant documents attached below.
Product: Credit reporting or other personal consumer reports

My account with XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 60 days 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. 


XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 8
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2300.00}, {$4400.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2300.00} -This is not my account. 

2. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4400.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Student loan

I just called the student loan provider because I noticed that I had forbearance on my account, he said oh that is just an administrative one because you are waiting to hear back about your IBR. I double checked to make sure that I was not being charged because I did not want to be in forbearance I just wanted to get into IBR.

He double checked with his supervisor and found out that I actually was being charged for one month of forbearance ( XXXX ) because I was behind on my payment before I applied for IBR. Which is a whole other story because they lost my application the first round inXX/XX/XXXX so when I reapplied in XX/XX/XXXX I hadnt paid the past month because on their website it said that my application was processing. When I talked to the servicer that time she just send oh just resend your paystub and I will get the application moving. Not saying a word to me about putting me into forbearance.

Now on XX/XX/XXXX I called to double check the progress of my IBR and when he cam back to the phone and let me know I was being charged I asked him if there was anything I could do because I had already had this conversation a month ago and thought it had been figured out and now I am being charge XXXX  to get to a IBR plan which was because I couldnt afford it in the first place.

He then let me know that while he definitely agrees what happened to be was wrong and how he believes me that my application was lost the first time that it was honestly an unwinnable case against the company because there is no documentation from the processing department saying they every received my first application so I would have nothing to show to say that I was wronged. He then added that it would only be XXXX  a payment in the future on my loans so is it really worth it? He also added that to continue moving my application along they were missing how often I get paid and the application would not have been able to move along had I not called. They also had never informed me of this or sent me any notification about it.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX  BLATANTLY VIOLATES SEVERAL FCRA regulations. XXXX XXXX XXXX XXXX account was CHARGED OFF on XX/XX/XXXX but XXXX XXXX XXXX XXXX continues to report it as a charge off every month in this manner updating it monthly. Not only that it also add additional charges/fees after charge off, so balance keeps Charge off account should not have any updates after it was charge off. This inaccurate information falsely manipulates statute of limitations, and proves that XXXX XXXX XXXX XXXX deceptively report incorrect information to credit agencies. Despite being charged off, XXXX XXXX XXXX XXXX has failed to provide me with a 1099-C form, as required by IRS code 4681. Additionally, XXXX XXXX XXXX XXXX has violated the GLBA ( 15 U.S.C. 6802, also known as section 502 ( b ) of the Gramm-Leach-Bliley Act ) by failing to provide me with a clear and conspicuous notice of their intent to share my nonpublic personal information with nonaffiliated third parties. This coincides with 16 CFR 313.7 ( Form of opt out notice to consumers ; opt out methods ) 16 CFR 313.10 ( Limits on disclosure of non-public personal information to nonaffiliated third parties ) and 248.124 ( Reasonable opportunity to opt out ) Furthermore, XXXX has violated my rights under the Privacy Act of 1974. The Privacy Act of 1974, as amended, 5 U.S.C. 552a, establishes a code of fair information practices that governs the collection, maintenance, use, and dissemination of information about individuals that is maintained in systems of records by federal agencies. A system of records is a group of records under the control of an agency from which information is retrieved by the name of the individual or by some identifier assigned to the individual. The Privacy Act prohibits the disclosure of a record about an individual from a system of records absent the written consent of the individual.
Product: Vehicle loan or lease

The lender closed the account XXXX XXXX and on XXXX XXXX they sent someone to steal my car while my kids where inside crying scared for their life. I also put in a cease and desist.
Product: Credit reporting or other personal consumer reports

Inaccurate information on credit report preventing ability for lenders to pull credit file.