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

I have never had to do this much to get an issue resolved its amazing how Bank of America is giving me a run around about my money. SO I called bank of america to report fraudulent charges on my account back in XXXX. They filed a claim they told me they could not put some of the charges on the claim so okay I'm already XXXX because how does that sound if I didn't authorize a charge and it did not come from me. Then they tell me okay they have all my other charges taken down and it will take 10 days until I know something. Then after I recieved letter in mail I'm confused because where is the rest of the charges so I call back and go through the entire process of the claim again and still having problems now were at the end of XXXX file claim again says 10 days again so here we are in XXXX they close my claim stating oh we determined no fraud because there was no rush in reporting charges when I have been reporting the same charges for over 2 months but they have no record of the other times. I'M very upset I'm behind on Bill 's and a XXXX  mom I need my money. I have talked to idk how many people in customer service, the claims department even the manager of the claims department, now I have been trying to go higher up. Do I need a lawyer?? I'M COMPLETELY DISGUSTED and DISAPPOINTED WITH BANK OF AMERICA!!!
Product: Debt collection

I XXXX XXXX date on XX/XX/22 am demanding CCS COLLECTIONS to provide me a validation of debt pursuant to 15 U.S. code 1692g, and also, who gave you the rights to violate my rights to privacy?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Date Filed XX/XX/XXXX XXXX Date Filed XX/XX/XXXX XX/XX/XXXXXXXX Date Filed XX/XX/XXXX XXXX Date Filed XX/XX/XXXX The above mentioned inquiries are fraudulent. Please remove
Product: Credit reporting or other personal consumer reports

**** XXXX XXXX XXXX XXXX. 
**Social Security Number : ** XXXX **Date of Birth : ** XXXX This CFPB complaint is being 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 : XXXX. A personal credit account opened at XXXX XXXX on XX/XX/year> under the account number XXXX. 
XXXX. A personal credit account opened at XXXX XXXX on XX/XX/year> under the account number XXXX. 
XXXX. A personal credit account opened at XXXX XXXX on XX/XX/year> under the account number XXXX. 
XXXX. A personal credit account opened at XXXX XXXX on XX/XX/year> under the account number XXXX. 
XXXX. A personal credit account opened at XXXX XXXX XXXX on XX/XX/year> under the account number XXXX. 

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  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 # XXXX 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 reporting or other personal consumer reports

Consumer Name : ( Strawman Name Goes Here ), Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private DOB ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, XXXX, XXXX 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 Accounts : XXXXXXXX XXXX XXXX  Account # XXXX date opened XX/XX/XXXX bal. {$5700.00}, XXXX XXXX  Account # XXXX date opened XX/XX/XXXX bal. {$2600.00}, XXXXXXXX XXXX XXXX  Account # XXXX XXXX XXXX XX/XX/XXXX bal. {$2200.00}, XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX XXXX {$610.00}, XXXX XXXXXXXX XXXX XXXXXXXX Account # XXXX date opened XX/XX/XXXX bal. {$280.00} XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$0.00}, XXXX XXXX Account XXXX XXXX date XXXX XX/XX/XXXX bal. {$0.00}. Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 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 # ( XXXX ) 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 reporting, credit repair services, or other personal consumer reports

It states that I applied for a chase card which I did not. In XX/XX/2017 that is a hard inquiry that's on my report.
Product: Checking or savings account

On the XXXX of XXXX I deposit a check for the amount of {$2600.00} I was told that the funds will be available to me in the amount of {$200.00} on the XXXX of XXXX and the remaining balance on the XXXX of XXXX. I then received an email at XXXX a.m. in the morning on the XXXX of XXXX saying my funds will not be released until the XXXX of XXXX due to a hold put on the check. I called Bank of America at theXXXX number given to me by the nice lady of XXXX, who did all she could at her level ; on the XXXX of XXXX inquiring why has there been a hold on my check they proceed to tell me first it was an unfamiliar check which it wasn't it was the fourth time I deposited a check from this employer, then they proceeded to tell me that the funds have not been released from the other Bank and once the funds have been released from the other bank they will release the funds to me which they did not do, then they proceeded to tell me on the XXXX of XXXX that it was the Federal bureau that was holding my money which I then called the federal bureau and I was informed that it is not them that hold the money it is the financial institution Bank of America which the federal bureau turned around and help me and showed me how to file this complaint on Bank of America the number XXXX was the number I was given to call and every time there was one of these excuses No One released my funds to me so now I am in a bind behind on bills child support and I have a job that requires me to purchase things that I need in order for my job to run smoothly they also charged me a {$35.00} fee for going into overdraft which I shouldn't have had at all in the first place so Bank of America is not the bank for XXXX it is a greedy bank for themselves and they're playing with people 's money probably centered around to one another between another to cover fees and cost and things for who knows who so to cover their button make sure that they have the money for whatever to loan people or whatever they take from other people other customers at least that's what it feels like I pray they don't do it this way but either way Bank of America sucks and I want out of Bank of America I don't want to have anything else to do with Bank of America and I've been a loyal customer for plus years and this is how they do me and I'm sure I'm not the only one. XXXX dollars a month and trusting them with our money for them to think they have control over our money they become too big of a corporate organization and do not respect the people and do not understand the people it's very sad
Product: Debt collection

I have sent a letter out to the agency on XX/XX/XXXX disputing a debt of {$1800.00} and with delivery confirmation, I knew they got it on XX/XX/XXXX. This letter requested the agency to send me all the information by law about the debt within 30 days. There was no response from the agency. On XX/XX/XXXX I had a letter sent out by my attorney regarding the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
SXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit card

Regarding Costco Citicard account for XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX I would like to file a formal complaint for the reasons mentioned below ; # I have way too many fraud incidents with Costco Citicard -- -its unacceptable. I have never had an experience like this with another credit card company and I am XXXX XXXX XXXX. Is Citi compromised, incompetent or both? I have had to cancel my card so many times due to fraud. 
XXXX Citicard verification process, why does it take so long to verify my account when I call in? Almost XXXX minutes every time? 
XXXX Why is Citicard still taking transactions on a Citicard that was canceled by Citicard due to fraud? This is insane. I was unaware until today that XXXX is still taking payments on a Citicard that was canceled by Citicarddue to fraud. I have XXXX confidence in Citicard. 
XXXX Unable to submit written complaint. XXXX said there is a feedback button to file written complaint. Had to use a different browser but entering a complaint at citicard Feedback Link doesnt even connect my complaint with my to my account that is having fraud problems. It is only 'feedback '. 
XXXX Automated phone system when calling Citcard customer service is terrible. Its just going around in circles for far too long to speak with a live agent. 
XXXX Can not read my Citicard Customer Service phone number on your Citicard because it is too small.
Product: Checking or savings account

WELLSFARGO CLOSED MY ACCOUNT & I DONT KNOW WHY THEY ARE NOT TELLING ME WHY MY ACCOUNT WAS CLOSED AND I WANT TO KNOW WHY WAS IT CLOSED AND WHAT I AHVE TO DO TO OPEN IT BACK UP.
Product: Credit reporting, credit repair services, or other personal consumer reports

Check my credit report today and I noticed someone use my information to inquire about some things that I never was aware of multiple times .. 

XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX / XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX/XXXX  XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX : reporting multiple times on each XXXX XXXX Equifax Anything reporting inaccurate with multiple dates & wrong information should be removed immediately as I learned the fai credit reporting act. 

Trying to do better in my life but how can I with all this wrong information on my report.
Product: Checking or savings account

I haveing problem with Pnc bank I have smart access every time I get paid I getting money getting stolen from my account I have to get a replacement card each time bank don't protection of my money this 13th time the bank have fil Me I don't get no type of protection from this bank I ben having this problem each and every year still pnc bank accounts get hack I have to wait until it gets posted to dispute the charges that is so wrong for real this need to be fix asap I want my XXXX cent back with my XXXX cent back that hackers took from me all cuz pnc bank can't protect my money and file to let me know my account XXXX XXXX or they XXXX XXXX  XXXX
Product: Credit card

I applied for US Bank XXXX XXXX Credit Card in this XXXX and paid my XXXX annual fee in XXXX. The main reason for me to get this credit card is because the reward program advertised by US Bank and XXXX XXXX. At that time, the reward program says " Redeem Gold Points for XXXX or more consecutive Award Nights and the last night is free ''. However, I just received my XXXX statement in which it says this program is going to be changed in XXXX XXXX. The benefit mentioned above was removed. In my opinion, this is a bait-and-switch, the new program is not attractive at all. I feel extremely unhappy because US Bank and XXXX XXXX change the program suddenly within XXXX months after I got this card, and just give me one month to book my reward stay in order to use the benefit before it is gone.
Product: Credit card

I cancelled my capital one BJs card and redeemed my points XXXX XXXX In XXXX, I was called by Capital One collections because the account was past due. They said it was due to the BJs membership fee and told me to call another number ( disputes I believe ). Disputes stated they would take care of cancelling BJs membership and getting the account credited. Once the credit was applied, the supervisor stated he would close the account and update the credit bureau for both myself as well as my spouse because we never got a bill with the membership fee. My husband has pulled his credit and it is adversely effected by that perceived late payment. My daughter called on our behalf this evening and was told the account is still not cancelled, and we'd have to write in to get the credit bureau updated. This is Capital One 's failure to meet their commitment and are giving the XXXX  the run around. I need my account cancelled and our bureaus updated.
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. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX # XXXX Account Name : CAPITAL XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/year> 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: Debt collection

The debt is for an apartment. The apartment company never notified us that we owed money, so I asked the debt collector why I owed. The woman told me per HIPAA laws I had to pay to have the carpet replaced, which is clearly false. This was after I asked them for an itemized detail of the debt owed which they refused. I asked for their address to send proof I dont owe money, two agents refused to provide their mailing information. All I wanted was a chance to show that I did not owe what they were claiming, because I have documentation that proves I do not owe money. One agent said if youre poor and dont have money just say that and called me a liar when I said that I didnt owe the money. The person then hung up on me. Ive talked to multiple agents from this company and they have all been verbally abusive. In addition to this, I have asked that they dont call me yet they continue to do so.
Product: Credit reporting or other personal consumer reports

Im receiving conflicting credit reports & inaccurate information. The credit reporting agencies report information as accurate & the lender changes the information on my account monthly. Unfair credit reporting!! Today I received 2 conflicting reports from XXXX!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no knowledge of the Radius Global Solutions account nor do I have an outstanding balance with XXXX. The credit reporting agency failed to obtain debt verification as requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently reviewed my XXXX, TRANS UNION, and XXXX XXXX report and see there is an unauthorized inquiry and accounts reporting that I did not initiate nor did I benefit from any of them. The account listed on TRANS UNION is a fraudulent collection account reporting from XXXX XXXX XXXX XXXX  account # XXXX. Also on TRANS UNION is an unauthorized hard inquiry from XXXX XXXX date XX/XX/2021. The fraudulent accounts listed on XXXX are XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, and XXXX account # XXXX. The fraudulent accounts listed on XXXX are XXXX XXXX account # XXXX, XXXX account # XXXX, and XXXX XXXXXXXX XXXX account # XXXX. I demand these accounts listed above to be deleted and blocked from my credit file immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorized the hard credit checks ; by company
Product: Credit reporting, credit repair services, or other personal consumer reports

My loan went into the CARES Act Deferment. When we were coming out of deferment, i had selected to go thru an approved modification offered by XXXX XXXX. 

Shellpoint then required me to enter into a trial program for 3 months before they would approve this modification. When you logged into their site, this was the only item they asked for payment for, there was no way to pay any other loan, or see anything else was past due. 

I made those payments on time, and it took several more months because of problems with their paperwork ( they would send me one copy of the loan modification, so I would sign it and send it back, and they would say they needed 2 copies. Then they said we didn't fill the form out correctly ) During this time they reported the original loan as past due. Their excuse is that I was making payments on this new loan, while not making my payments on my old loan. I was making every payment I was made aware of. 

I had no idea I would have to pay 2 mortgages at the same time to not fall past due on the original mortgage. I have requested they make this accommodation twice, and they have denied it because even though I did make payments, they say I didn't fufill my contract on the original loan. 

While I have gone thru this process, I have made every payment we agreed to on time, yet they have reported me past due as 30, 90, 120, and 150 days on all my credit reports. To me this feels like an accounting error on their part, as there was no way for me to apply those payments to that loan, their payment portal only allowed it to be applied to this new modification. I had no idea the other loan was falling past due while doing this. You can look at my payment schedule and see how I made all the payments on time, but they were applied to this new trial mortgage instead of my original mortgage, which caused the original to fall behind. 

You can see on my payment schedule that these payments are on my account as 'unapplied payments '
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint regarding identity theft and inaccurate reporting on my credit file. While reviewing my credit report, I discovered multiple instances of fraudulent activity, including : Addresses listed on my credit report that I have never lived at, including some in states I have never visited. 
Names that I have never been known by appearing on my report. 
Unauthorized accounts opened in my name that I did not initiate. 
Multiple credit inquiries that I did not authorize. 
I have lived in Texas my entire life and have no connection to these fraudulent addresses, names, or accounts. This identity theft has resulted in significant damage to my credit, and I am requesting an immediate investigation and resolution under the Fair Credit Reporting Act ( FCRA ). 
Laws Violated : FCRA 15 U.S.C. 1681c-2 Victims of identity theft have the right to block fraudulent information from appearing on their credit reports.

FCRA 15 U.S.C. 1681s-2 ( a ) ( 6 ) Furnishers of information must not report fraudulent data after being notified of an identity theft claim.

Identity Theft and Assumption Deterrence Act ( 18 U.S.C. 1028 ) Unauthorized use of my personal information constitutes identity theft under federal law. 

Requested Actions : Immediately remove all fraudulent addresses, names, and accounts from my credit report. 
Delete all unauthorized inquiries made without my consent. 
Ensure that my credit report reflects only accurate, verified information belonging to me. 
Hold furnishers accountable for failing to prevent identity theft-related harm. 

I have already filed an identity theft report, which I am attaching as evidence, Please conduct an immediate investigation and provide written confirmation once these fraudulent items have been removed.
Product: Money transfer, virtual currency, or money service

Bank Of America called me. Or so i thought it was bank of america. I answered and was told that someone tried to take XXXX $ out of my account through XXXX I said i did not authorize that payment and they had me go through a bunch of steps to XXXX the money back to myself. XXXX $ gone. this whole time i thought i was talking to bank of america becuase their caller id popped up on my phone. I never answer the phone because of scams but since it was bank of america i answered.
Product: Mortgage

I fell behind on my mortgage XX/XX/XXXX and contacted Caliber on XX/XX/XXXX to discuss what my options were to cure the default. Per XXXX ( employee id XXXX ), I could extend my forbearance or apply for loss mitigation and she would mail paperwork to my home. On XX/XX/XXXX XXXX  ( employee id XXXX ) stated that my deferment agreement was due back by XX/XX/XXXX with a mortgage payment due XX/XX/XXXX. I never received this agreement nor did I receive any phone calls about a possible deferment. On XX/XX/XXXX, XXXX ( employee id XXXX ), stated that if I was unable to make a payment then I would have to apply for loss mitigation. I told XXXX our hardship would be resolved so we could resume payments XX/XX/XXXX but XXXX said that was not an option so I submitted my paperwork on XX/XX/XXXX. On XX/XX/XXXX a letter was mailed stating my request for assistance was denied due to me not accepting the deferment option. My mortgage company forced me in to a plan that I could not comply with, forcing me to apply for an alternative only to be denied. I have only followed the instruction of my mortgage company and will now be left homeless.