23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I tried to file a dispute for a incorrect subscription charge from a merchant through Bank of America ( BoA ) online banking portal and through the BoA mobile app. In both cases, BoA said I need to call in. 

Frustratingly, there was no alternative option for clients who were travelling abroad and had no ability to call a US number with their registered US number with BoA. ( I'm using a local SIM because my US number doesn't have roaming packages for where I am. ) After repeated attempts through multiple avenues like social media, I have been kept on hold for hours without anyone being able to help with my situation. It seems like BoA is making it unnecessarily hard to file a dispute for certain accounts, and so I decided to file this complaint in hopes of getting reasonable attention to my plight and bypass the stunningly inefficient and unreasonable system currently put in place for clients travelling abroad. 

The fact that no written communication can be initiated by a client to the bank for a credit card issue should be made against regulations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent the Credit Bureaus letters on XXXX asking them to verify the debt on my report. They have sent back stating that everything is verified correctly. My credit report is still showing inaccuracies. 
In accordance with the Fair Credit Reporting XXXX Account # XXXX, has violated my rights. 
15 U.S.C. 1681 section 602 A. States I have the right to privacy.

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. 


If, after any investigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall... 

( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the investigation ; and Here is the accounts : XXXX XXXX XXXX XXXX Validate Account XXXX XXXX XXXXXXXX Validate Account XXXX XXXX XXXX Validate Account XXXX XXXX XXXXXXXX Validate Account XXXX XXXX XXXX XXXX Validate Account XXXX XXXX Validate Account XXXX XXXX Validate Account
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that trafficking. 

XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$0.00} XXXXXXXX XXXX  XXXX XX/XX/XXXX -- {$0.00} TU
Product: Debt collection

Under the fair crdit reporting act of 1861A in the exclusion sect. ( b ) it specifically states, " Anything extended or authorized from a credit card shall be excluded from my consumer report. 

A credit card is any card, plate, or coupon book, existing for the purpose of obtaining money, property, or labor services on credit. 

if this collection isnt removed, you will be civilly reliable for reporting this inaccurate and unautorized information.
Product: Debt collection

I paid this account on XX/XX/2020 and it is still showing as Negative Collection on my XXXX report as unpaid. I submitted a recent dispute with XXXX on XXXX XXXX and the dispute results outcome was an unpaid collection debt. Please report this debt from XXXX   credit report as settled or XXXX balance.
Product: Credit reporting or other personal consumer reports

This letter is a formal request regarding the student loan debt ( s ) that you have reported on my consumer credit report. Please be advised that this is NOT a refusal to pay but a request sent pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and the Fair Credit Reporting Act ( FCRA ). I am disputing the validity of the alleged debt ( s ), and I am requesting proper validation.

This is NOT a request for mere verification of my mailing address or other peripheral information, but a formal demand for competent evidence that establishes my legal obligation to pay this debt and the right of your office to report it to consumer reporting agencies. 

Specifically, I request the following : Account Name : DPT ED/XXXX Account Numbers : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX Account Name : US DEPT ED Account Numbers : XXXX, XXXX, XXXX Account Name : XXXX XXXX Account Numbers : XXXX XXXX XXXX 1. Proof of Debt : I respectfully demand that you provide a copy of the original wet-ink promissory note or other documents that serve as the foundation of the alleged debt ( s ) you claim I owe. The absence of such documentation violates my rights under the FCRA, FDCPA, and any applicable state laws. You must provide evidence proving your legal authority to report this debt.

2. Failure to Provide Proof : Should you be unable to furnish the original promissory note or other valid documentation within 30 days from receipt of this letter, I request that you immediately cease reporting this account to any and all consumer credit reporting agencies and remove it from my credit file. The continued reporting of unsubstantiated debts is a violation of the FCRA and may also constitute fraud. If no response is received within the 30-day window, I will pursue all available legal actions to ensure compliance.

3. Correction of Consumer Report : If your office decides to remove the accounts from my report, I request written confirmation of this removal, along with written verification from the credit bureaus that the accounts have been deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  signed reaffirmation agreement for mortgage ...  Wells Fargo.     XXXX  called  Wells Fargo  for another reaffirmation agreement. I received it in late  XXXX  and sent it back to them. They said it took long to receive and the debt was now discharged. My bankruptcy papers show where I am reaffirming my mortgage and my car. It 's listed on page  34 .    XXXX  asked  Equifax  to investigate and sent them proof of payments and BK information.
Product: Money transfer, virtual currency, or money service

Was hacked and reported several transactions and did not get a response from cash app or the companies
Product: Credit reporting or other personal consumer reports

The late payments are not reflective of my normal payment record.
Product: Bank account or service

What I want to know is how can XXXX bank take over another XXXX and take the customer accounts without the option to opt out. This has happened to me twice. The second time Bank of America sold off my branch, so I fought to stay with them ( automatic deposits, linked accounts etc. ). I am not a commodity/product. They have completely lost sight of the fact that we are customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Experian after I purchased a credit report from XXXX on XX/XX/2022. After receiving a copy of my report, I saw these UNVERIFIABLE account on my personal profile, I noticed that there was an Account : XXXX XXXXXXXX XXXX on my credit report which are UNKNOWN to me. This is disappointing because I have been paying XXXX XXXX to get a report every month and I have been disputing fraud accounts on my credit report all this time. One of the staff told me to visit https : //www.ftc.gov/ and Report the Fraudulent accounts and have them BLOCKED OR REMOVED from my credit file. Ive attached a copy of the identity theft report ( FTC report # : XXXX ), and guess what I found? Per Fair Credit Reporting Act Section 605B ( a ) the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

A copy of my Bank statement drivers license, and Social Security Number are all included in this complaint. I want you to know that I am telling the truth and by Experian not blocking this account is inadvertently resulting in me being extorted.
Product: Checking or savings account

XX/XX/XXXX I have been calling all day at least 6 times. XXXX and XXXX and others hung up on me. I am trying to locate XXXX, XXXX statement. Citibank has no idea. I had to come home to give them account number. They still hang up on me.
Product: Credit reporting, credit repair services, or other personal consumer reports

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. 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 XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX BANK XX/XX/XXXX XXXX XXXX XXXX Section XXXX A- States I have the right XXXX privacy. 

XXXX XXXX XXXX Section XXXX A-It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I received call from national credit system about this debt, I write them 100 of letters and response back, I ask them for license and insurance for the state of Florida and to verify the debt that they say I woe but no answer because they know it is unverified. 
Accounts numbers has follow! 
# XXXX - {$120000.00} # XXXX {$49000.00} # XXXX - {$66000.00}
Product: Credit reporting or other personal consumer reports

I have 4 accounts on all XXXX credit monitoring companies that are not being verified correctly and have failed to meet the USC 15 Codes and XXXX reporting standards. The credit monitoring companies are claiming to have verified the information, but after speaking with each of the creditors and they can not verify being contacted for verification of these accounts. 
These accounts have been requested to be removed from my report but the three credit reporting agencies are not following these requests from the creditors. the accounts are as follows. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX These accounts are currently in litigation for identity theft and i am waiting for the police reports to populate. with the results of these findings. I have an FTC Fraud ticket open with these accounts listed and tied to the police reports.
Product: Checking or savings account

Re : Marcus I was given different information about transferring an old cd account to a new one using the same joint owner. The joint owner is my daughter who doesn't live with me and travels a lot so its difficult to do a 3 way call. Because of the different information given to me. i decided to close my savings and cd account and transfer my monies to my XXXX XXXX checking. When i go on line it shows my savings as pending a transfer. i was told it can take a few days which is fine. However, no where shows the status of the cd account or the amount, my account just shows 0. I called and ask that i need some assurance my money is being transferred or at least pending. Marcus shows no reference to my cd or the bank I'm transferring it to, XXXX XXXX. i ask the supverisor why my money does not show pending or anything. Her response was once the transfer is completed i will be notified. That is of course obvious, i just want to see where my money is at this point and that it is still protected. i ask the sup if she could just email me that its pending a transfer she said she could'nt. The system shows my money in the saving is pending, why not my CD? 

My Marcus act # XXXX and XXXX
Product: Checking or savings account

opened an account with an expired ID online used account for XXXX XXXX and entered the bank on XXXX with the expired ID withdrew money from my account with no issues entered bank on XXXX to withdraw my rental payment again with the same expired ID and the would not do withdraw so I left they then locked my account without my knowledge I went into my local branch to get the account unlocked the assistant there at the branch put in all my info to their security department and said my money will be accessible on monday the XXXX I left the bank and while driving back to work that same assistant withdrew {$820.00} from my account without my permission and put it in a cashiers check and when I looked at my account online and saw the money was taken out of my account I called her and she said she did it so I could at least pay my rent ARE YOU KIDDING ME RIGHT NOW THEN I WENT IN ON MONDAY TO SPEAK TO BRANCH MANAGER AND HE DID THE SAME THING PUT IN ALL MY INFORMATION TO THE SECURITY DEPARTMENT AND STILL REFUSED TO GIVE ME MY MONEY THE ARE NOW CLOSING MY ACCOUNT ON XX/XX/XXXX AND MAILING MY MONEY I WILL BE HOMELESS BY THEN AND MY KIDS WILL BE TAKEN FROM ME BECAUSE I CANT FEED THEM AND I WILL LOOSE MY JOB FOR XXXX TRANSPORTAION THEN I LOOK ON MY ACCOUNT ON TODAY AND CHARGES ARE MADE TO MY ACCOUNT ON DAYS THAT MY ACCOUNT WAS LOCKED WHO IS USING MY MONEY HELLLLLLOOOOOO HELLLLLPPPPP
Product: Credit reporting or other personal consumer reports

Consumer Name XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EXPERIAN credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal loan account opened at XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX XXXX XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX XXXX XX/XX/XXXX under the account number XXXX, of collection account opened at XXXX & XXXX XXXX XX/XX/XXXX under the account number XXXX, A collection account opened at XXXX & XXXX XXXX XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit card or prepaid card

I have recently received three alerts over the past 4-5 day from my identity theft protection company saying that accounts have been opened in my name with the creditor TD XXXX. I called the creditor on XX/XX/22 explaining the situation and they were going to freeze the accounts pending investigation. I received another alert today, XXXX/XXXX/22, saying another account was opened. I call TD XXXX  again and they couldn't find any other accounts matching my personal information. I have since put a fraud alert on my accounts with all three credit bureaus, and am planning on putting a credit freeze on them.
Product: Checking or savings account

I opened a account with US Bank and I changed my phone and they put a hold on my account then closed my account and sent me back the {$25.00} opening deposit but held the rest of my money for over a month and wouldn't let me touch it.
Product: Credit card or prepaid card

In XXXX of 2017, my payment of {$57.00} did not process. I reached out to the company 's customer service, who said that a payment did not go through. I was not notified that this payment did not go through correctly and that it was considered a late payment. I am now unable to qualify for a line of credit. When I contacted the company 's customer service, I was told that it might appear on my credit report but that there was nothing that could be done about this unfair situation.
Product: Credit card or prepaid card

I have been a Discover Cardmember since XXXX. I used a convenience check in XX/XX/XXXX in the amount of {$20000.00} at 4.99 % APR for 18 months. 

I had a prior balance transfer from XXXX that was expiring in XX/XX/XXXX in the amount of {$4500.00}. 

I made an additional payment ( above the minimum payment ) in XX/XX/XXXX of {$4500.00} to bring that balance current and instead of closing out that balance, they applied it toward my recently transferred balance, thus placing my expiring balance transfer at an interest rate of 21.99 %. 

In normal circumstance, the practice of applying payments to the lowest APR balance first seems usurious. In this time of COVID, it is downright criminal.
Product: Money transfer, virtual currency, or money service

I paid {$300.00} via XXXX for XXXX concert tickets. This was my first ever XXXX transaction. The seller never s not them and disappeared. I tried to do a stop payment right away with PNC, but you cant with XXXX. I filed a dispute, and although they acknowledge the scam, they say that because I authorized the transaction that its not considered fraudulent. What protections is PNC offering? How are they not investigating this rampant abuse, as Ive come to learn. Why is nothing being done about my {$300.00}, and more importantly, stopping this XXXX XXXX ( XXXX ), and others like him, from continuing to do this?
Product: Credit reporting, credit repair services, or other personal consumer reports

I strongly urge Equifax to take immediate and decisive action to comply with my previous written instructions and remove the inaccurate and harmful information from my consumer credit report
Product: Credit reporting or other personal consumer reports

on XXXX, i sent letters to the CRA 's about reporting inaccurate and incomplete information on my credit report that is not 100 % accurate and complete.per 15 usc 1681e ( b ) all information has to be 100 % accurate and complete before reporting to a consumer report. 
I am requesting deletion of the inaccurate information and send me an updated report within 15 days. 
I have the USPS CERTIFIED TRACKING for all XXXX as well : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX EXP : XXXX XXXX XXXX XXXX XXXX XXXX I HAVE ATTACHED COPIES OF LETTERS FOR YOUR REFERENCE ALSO XXXX XXXX XXXX ACCOUNTS HAS BEEN SENT TO COLLECTIONS SO IT CAN'T REPORT TWICE ON THE SAME ACCOUNT
Product: Mortgage

Our mortgage company SLS or Specialized Loan Servicing has not been properly applying our payments to our mortgage loan account and is continuously reporting that we are behind. This has be an ongoing occurrence but finally with the help of our HUD advisor and a senior mortgage loan officer at XXXX XXXX XXXX we have found numerous mistakes and miss applied funds on the loan. 
In XXXX XXXX we received Covid19 assistance from HUD during our forbearance with SLS and at that time they brought our loan completely current including ALL past late fees and legal fees. At this time we were to continue with our scheduled payment on XXXX and then we would be cleared to start a refi because our HUD advisor advised us to since we are at 7.4 % with SLS and they would not modify the rate. 
XX/XX/XXXX and XX/XX/XXXX payments were both made each totaling {$1100.00} and when we received XXXX statement it showed that they had not applied our last payments to our loan but instead to XXXX lines of fees totaling in the amount of {$1100.00} we still can't figure out were the other payment went. They also state the acct. is delinquent again and wont explain what the fees were for or reverse those fees and apply the payment properly even though they have been contacted by Us, our HUD advisor and our XXXX senior mortgage officer which is stopping our refi progress. PLEASE HELP I have sent some docs that my bank has provide we have more but they have loan # s and such if needed
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX I requested my full file disclosure from equifax with legible proof of identity and bank statement to verify my identity. I attempted to dispute previously disputed accounts and received a message I was unable to dispute. Equifax is failing to maintain maximum possible accuracy in a consumer report and failing to conduct a reasonable investigation into my disputes. XXXX XXXX acct balance, status, first date of delinquency is inaccurate and or incomplete.in arbitration since XX/XX/XXXXXXXX XXXX accounts are reporting inaccurate and incomplete these accounts have no Permissible purpose to be furnished to my consumer file.
Product: Credit reporting or other personal consumer reports

Unauthorized Credit Check, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this