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

Bank Of America took out XXXX after someone i do not know had remote access to my computer and run that amount on a gambling site called XXXX, I filed a claim with BOA and they refunded me and then after the claim period ended they withdrawed the XXXX i have tried to stop this by XXXX and have contacted them by e-mail and phone at XXXX and can not get through thinking this is a scam and they have also taken money from my account and will not supply me with the OPTIMAL PAYMENT SERVICE Website. I want my XXXX put back in my checking account ASAP as i am XXXX and have been a victim of ID THEFT since XXXX XXXX. I can not get help from anybody. The FDIC told me to contact you about this. I also have more complaints but let 's try to take care of this one first. Thank You Very Much. XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to remove the Extended fraud alert from XXXX and Equifax. 
They have asked me to send the passport/ id etc. and i have complied with all of their request. I have not received and response form them. I have tried this multiple times and they are not resolving the issues. I have been truing to do this for the last 7 month. It is frustrating and it is preventing me from obtaining new credit. Please remove the fraud alert from my credit reports.
Product: Checking or savings account

They continue to open tickets and act like they care and are finding a solution but close them without notice or update! For this issue Ive had maybe XXXX tickets opened and all of them I have to call to get updates only to be told theyve been closed!!! They keep responding with blanketed scripted responses with NO SUBSTANCE!! They didnt resolve the issue because on THEIR monitored and recorded lines their manager have said several times we see you arent enrolled! Its said it cant verify my identity every time yet my direct deposit comes here and they allowed me to open up LEGAL INVESTING AND STOCK ACCOUNTS!! SO HOW CAN THEY NOT VERIFY MY IDENTITY?? The issue is a SoFi technical issue and instead of them addressing the root issue theyre trying to push it off and sweep it under the rug as you tried to many times Ive NEVER had access too open the account because its always said it cant verify my identity!!!!!!!!!!
Product: Debt collection

I canceled my membership to XXXX and then revived a notice from Transworld Systems saying I owe $XXXX. I tried to call them but the answering service hangs up, so I sent them a written request for proof of what they say I owe and have not gotten a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a loan with Western Shamrock and the account has been paid and closed but it is still reporting to XXXX as open and not paid. I have tried disputing the information with the credit bureaus and reaching out to Western Shamrock but have not been able to resolve this issue.
Product: Credit card or prepaid card

Someone used my personal information to open this account without my authorization. 

Thank you in advance for any help received to solve this case.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX 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 UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my SECOND DISPUTE regarding the same accounts that are fraudulent and does not belong to me and still showing on my credit reports The accounts need to be deleted from my credit report immediately. Once again this is affecting my ability to buy a home. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the fair credit Reporting Act XXXX FRCA XXXX, section 623, subsection ( 8 ) ( D ). The Following Accounts listed below : - XXXX XXXXXXXX XXXX # XXXXXXXX XXXX  XXXX # XXXX XXXX XXXX XXXXXXXX XXXX # XXXX -XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX -XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

i applied for the citi business credit card saturday the XXXX of XXXX when i spoke to a rep  today XX/XX/2021 i informed i was denied. for me that is a shock because i had a XXXX XXXX  & a XXXX XXXX score for business credit. when spoken to a rep after a 2 hour hold and transfer process i was told i opened to many new accounts on my XXXX that is felonious i literally have one inquiry before this one from XXXX. i will add my current credit report below. just because you are a commercial bank does not give you rights to lower my credit score with a hard inquiry & deny a more then copiable applicant.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to XXXX credit bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than XXXX business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX {$9300.00} ; XXXX XXXX XXXXXXXX Balance : {$1400.00} ; XXXX XXXXXXXX Balance : {$620.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX OF XXXX XXXX XXXX : {$1900.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$650.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$3400.00} ; XXXX  XXXX ( Original Creditor : XXXXXXXX XXXX XXXX  ) XXXX Balance : {$1200.00} ; XXXX XXXXXXXX XXXX Balance : {$8800.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$930.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX {$1000.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My vehicle loan with Credit Acceptance Corporation became delinquent in XXXX. They charged off the account in XX/XX/XXXX and continued to report charge off account for XXXX, XXXX, and XXXX of XXXX. They changed the account from charge off status to delinquent in XX/XX/XXXX. The vehicle is inoperable however to work on improving my credit I began making payments on the account after the charge off. The account is reporting past due over {$8500.00} with a balance due of {$9000.00}. CAC reporting strategy is causing me to show as if I have an account that is open and seriously past due. Lenders are more likely to work with you if there is a charge off account that you are paying down verse an account reporting as open and over 150 days past due. The account had been charged off and should remain in that status. I am curious to know if CAC took advantage of tax benefits from charging off the account. I believe this is a deliberate act to further damage their customer 's credit when they default on a loan. I am also not in agreement with the way that they allow you to make a payment arrangement but will not update the credit reporting to reflect the payment arrangement. When you call to speak with their customer service representatives they do not seem to be able to help you beyond making a payment.
Product: Credit card

A merhchant named XXXX billed me on XXXX XXXX, 2023 for XXXX for a charge that I do not recogonzie. I asked AMEX to check-in with the Merchant ( which does not have a phone number or reply to emails ) to provide evidence that I authorized these charges. AMEX has not been able to provide any evidence that I authorized these charges but are re-billing me. In fact, on XXXX day ( today ), AMEX sent me documents that do not provide my name, address, phone number, or email address to allege that I authorize these charges. The documents show somebody else 's name, email address, and address so that is proof that I DID NOT AUTHORIZE THESE CHARGES. AMEX is discriminating against me as a minority by falsely re-billing me and CFPB should fine AMEX for this.
Product: Checking or savings account

After placing 2 other clais from the same topics without solution I need to submit a third. 
XXXX XXXX I still been unable to access to my online banking, the system doesnt allow me to reset the password online, and trough customer service they cant sent me a passcode to my cellphone because of system error, I also submit a claim to have my phone verified, that claim was approved but the system still has issues to send me the passcode. I can receive texts messages from bank and passcodes. 
My user id is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX, TX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$450.00} ; XXXX XXXX XXXX XXXX Balance : {$2400.00} XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$1200.00} XXXX XXXX XXXX XXXXXXXX Balance : {$170.00} ; XXXX XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$630.00} XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$740.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$380.00} ; XXXX XXXX XXXXXXXX XXXX Balance : {$660.00} ; XXXX & XXXX XXXX XXXX XXXX : {$4600.00} ; XXXX XXXX XXXX  XXXX XXXX XXXX : {$10000.00} ; XXXX XXXX XXXX : {$1300.00} ; XXXXXXXX XXXX XXXX Balance : {$230.00} XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$1300.00} ; XXXX, XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Bank Date of Inquiry : XXXX ; Equifax Mortgage Ser Date of Inquiry : XXXX
Product: Mortgage

We are trying to pay our mortgage through Bill pay through our credit union. Our credit union keeps returning payments to our account because we have been given 3 separate addresses to send our payments to. One on our statement which gets returned, one from the website and one new one from a representative on the phone. We keep getting late notice and calls but we are concerned and upset that bill pay for XXXX is so hard when we do not have this problem with our other payees.
Product: Credit reporting or other personal consumer reports

Kindly ensure the elimination of these erroneous accounts from my credit report as per XXXX XXXX It is imperative that these inaccuracies are addressed without delay.
Product: Credit reporting, credit repair services, or other personal consumer reports

I suspect fraudulent inquiries on my credit report that I didn't authorize. 

XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX
Product: Mortgage

We sold our home. Escrow refund was due to us. We never received it so we called Wells Fargo Home Mortgage. Multiple times requesting the refund and also our 2020 tax documents so we can file our taxes. Finally received our check. ( Still no tax documents. ) A few days later, we get a letter saying they stopped payment on the check and reissued it. We had received the reissue only. The reissue check does not include interest. In the stop payment letter, Wells Fargo stated they did not include interest as the issue was " not a Wells Fargo error ''. We feel it is. We were due our monies. I do not know if it was ever sent in the first place, but we had to call multiple times to get it and also our 2020 tax documents. IF they had sent it out when the mortgage was paid off and IF it was returned to them, WHY did they not reach out to us? They have an address. They have a phone number. They have an email address. THEY HAVE THE NEW ADDRESS ON THE CLOSING PAPERWORK!! Did they reach out? NO ... they just put OUR monies back in THEIR pocket. The mortgage had been paid late a few times due to XXXX XXXX and loss of job. We caught it up and months later we find someone wandering in the front yard and trying to look in windows. When asked who he was, young man in an unmarked car, he said he was with Wells Fargo and wanted to know if we were even interested in keeping our home. So, when a mortgage is not even late anymore, they scan send a XXXX XXXX out, but when they get mail returned, they don't do anything. We should get our interest monies! They had also put forced place insurance on the home years ago when we HAD insurance. No refund received for this either. The local XXXX, FL branch is closed - for days or weeks at a time. No note on the door, no message on the webside - nothing ... .just closed. And, if someone went to the bank for me to pay the mortgage, the tellers would give them such a hard time it was embarassing. They acted like they didn't want to take the payments!!! This is a horrible bank to deal with.
Product: Credit card or prepaid card

I'm enrolled in CIti Bank Auto Pay! 
Citi Bank Computers R Falsely list me as allegedly missing a payment! 
Citi Bank computers have been illegally harassingme about that! 
That is really ridiculous! 
Because Citi is supposed to automaticallyget the $ $ $ from my bank account!
Product: Credit reporting or other personal consumer reports

Subject : Cease Unauthorized Credit Reporting Violation Dear JPMCB - XXXX XXXX, I am reaching out regarding a significant issue concerning unauthorized reporting to my credit file, a direct violation of the Fair Credit Reporting Act ( FCRA ) and pertinent XXXX XXXX state laws, including Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ) of the FCRA, Sections 392.301 and 392.305 of the XXXX XXXX XXXX XXXX, and XXXX XXXX Penal Code Section 32.51 pertaining to identity theft fraud. 

It has been brought to my attention that JPMCB XXXX XXXX XXXX has reported information to my credit report without procuring my explicit consent, which is a clear infringement upon my rights as guaranteed by federal and state legislation. The FCRA expressly mandates consumer consent for such reporting activities under Section 1681b ( a ) ( 2 ). 

Moreover, XXXX XXXX state law, particularly Section 392.301 of the XXXX XXXX Finance Code, emphasizes the critical requirement of consumer consent for credit reporting. Section 392.305 further delineates fair reporting practices, while XXXX XXXX identity fraud laws, exemplified by XXXX XXXX Penal Code Section 32.51, underscore the gravity of unauthorized access and misuse of personal information. 

I want to unequivocally state that I have not provided consent for JPMCB - XXXX XXXX to report any information to my credit profile. This lack of explicit authorization constitutes a serious breach of my rights and could detrimentally impact my creditworthiness. 

I insist upon the immediate cessation of any further reporting of information to my credit file without securing my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA, Sections 392.301 and 392.305 of the XXXX XXXX  Finance Code, as well as XXXX XXXX FCRA identity theft fraud laws. Failure to comply within 30 days will be construed as willful noncompliance, subject to penalties under relevant laws, including identity fraud statutes. 

Obtaining consent is not discretionary but a legal obligation under these statutes. This is not a negotiable matter ; it is a demand for adherence to federal and state regulations designed to safeguard consumers like myself from unauthorized credit reporting. 

I anticipate prompt attention to this issue and expeditious rectification of these violations, respecting my rights under federal and state laws. 

Sincerely,
Product: Credit card

THIS ACCOUNT FROM HOME DEPOT OPENED UNDER MY NAME WITHOUT MY CONSENT AND OPENED FARUDENTLY
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the past few months I have sent correspondence related to  XXXX  different items on my credit file and everytime I receive a generic response saying account update or verifyed but every time the same incorrect info is listed. When correspondence was sent to original creditors I use the address on my file and after a week or so both were returned because of the incorrect address from my research all info on my credit file has to be 100 % correct or the item must be removed. After receiving both certified letters backs as returned I then made photo copies of both returned envelopes along with a letter detailing when I 'm requesting both items have been updated although I 'm for a face that the addresses are incorrect if the letters have been returned from the USPS. The  XXXX  items I 'm referring to are   XXXX    XXXX   XXXX  and  XXXX   XXXX   XXXX .
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 8th endeavor to tell you that I am a victim of identity theft and I complain to question specific items in my reports coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block and removed any items in my credit record that came about due to an alleged identity theft or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$560.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX ( CFPB Case XXXX ) ( Acct ending in XXXX ) I nor XXXX XXXX was ever under any circumstances properly told about the interest rate that this card carried and the terms in which we were agreeing to. We would have never agreed to this card had that terms of this card been fully explained to both us and we would see and sign off on it which we did not. We were not aware that this was the account listed on our credit file which was charged off in question after all this time. We believed that this card was paid off and closed which is the reason why I have filed several complaints as to why it was reporting negative to our credit file. I was told that as long as monthly payments were made that NO interest would incur. I nor XXXX XXXX never knowingly agreed to or signed any agreement electronically or non-electronically whatsoever with an interest rate of 26.99 % on a healthcare credit card if the balance wasnt paid in full during a promotional period. I nor XXXX XXXX was not adequately informed about and did not understand ( a ) that I/we would owe interest on my account if the balance was not paid in full by the end of the promotional period ; ( b ) My interest rate ; or ( c ) that interest accrues on my balance during the promotional period starting from the date of my purchase. This account has now been sold to collections agency and is having a very negative affect on our credit files and on our lives. I am prepared to take whatever legal action necessary and if needed file fraud charges against XXXX XXXX, XXXX XXXX, and the collections agency it was sold to XXXX XXXX if this is matter is not taken care of. Furthermore no copy of our signatures on the terms and agreement have been supplied. I was sent copy of account being approved. I have had accounts approved in the past but if the terms and conditions were not to my liking I would not sign or agree to it. There was no SIGNED copy of agreement of terms and conditions with XXXX XXXX and myself sent to us. We also never received a claim form in regards to the lawsuit that was filed against XXXX.