23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

In XX/XX/year>, I went to the Bank of America website to update the bank account from which my autopayments are withdrawn. I added the new bank account, and deleted the old bank account, and verified my new bank account. The website said I was good to go. 

A couple of weeks later I happened to notice that the autopay did not go through, even though the new account showed as " verified. '' I called customer service. They said that " sometimes '' autopay gets turned off when changing outside banks, but not always. It took close to half an hour, with the agent on the phone, to figure out how to turn autopay back on. During this same call, I also went ahead and electronically paid the total balance due - but the system wouldn't let me make payment by the due date. The customer service person said they could not pro-actively remove any late fees or interest. 

A few days later, interest charges and a late fee of {$25.00} were applied to my account. I called again, and BofA then reversed the charges. This agent said that changing outside banks " always '' reverses the autopay enrollment, and that it can take up to XXXX days for the new bank to be confirmed. 

The problem is that there is a lack of transparency about this on the website. If changing payment accounts " always '' triggers a need to re-enroll in XXXX, the website should clearly state that, and then make the re-enrollment process easy. Neither of these was true. By not having the " change bank '' steps clearly outlined BofA is able to collect a bunch of extra fees and interest charges. It seems fraudulent - don't provide all the information, make something difficult, and then collect fees. 

In my case, I had an extra hour to make XXXX calls to customer service to get the refund. But I'd bet many people don't have the thought to do that, or just don't bother. It seems wrong.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Early Warning Services ( EWS ) for the unauthorized and fraudulent use of my personal information. I have never contacted this company, nor have I authorized them to access, report, or share any of my personal data. Despite this, EWS has included information in their records associated with my identity, which I did not approve or verify.

At no point did EWS reach out to me to confirm any of the information they are reporting. This lack of verification and unauthorized use of my personal data is not only inaccurate but constitutes identity theft and fraudulent activity. Specifically, there are inquiries and accounts reported by EWS that are not associated with my correct address or personal details. Any account or record that does not list XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX as the address is false and should be removed immediately. 

This unauthorized reporting is causing significant distress and could potentially harm my financial standing. The fact that EWS is reporting information without my consent or verification is a clear violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b, which requires a permissible purpose and consumer authorization before accessing or reporting personal information.
Product: Debt collection

USAA Federal Savings Bank is not providing adequate documentation to validate that two separate accounts belong to me. I will be uploading the considerable correspondence that has occurred regarding : ( 1 ) an auto loan -- # XXXX ; and, ( 2 ) a credit card -- # XXXX. I am requesting your assistance because when I wrote to secure the copies of the agreements for these alleged debts and a payment history to verify the amounts owed, I received agreements which either had no signature or an electronic signature. USAA Federal Savings Bank claims that the information that they are reporting to the credit bureaus is accurate and has referred me to the credit bureaus for remediation. However, as you are no doubt aware, as long as USAA insists that their information is correct, the credit bureaus will not take into account the consumers point of view. I believe the CFPB has a responsibility to advocate on behalf of consumers who are victimized by creditors who refuse to provide true validation of account responsibilities.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 


XXXX XXXX XXXX -- XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  -- XXXX
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention a concerning matter related to the reporting of unverified accounts on my credit report by Equifax. The accounts in question lack essential information, including the open date, close date, and the name of the original creditor, rendering them unverifiable and creating significant challenges in confirming their accuracy. 

The three accounts in question are as follows : XXXX XXXX XXXX Without the necessary details such as open date, close date, and original creditor information, I am unable to validate the accuracy of these accounts. This lack of information is particularly problematic, as it prevents me from determining whether these accounts may be past the statute of limitations. 

It is crucial to note that my personal information was compromised in the Equifax data breach. Therefore, it is imperative that the information on my credit report is accurate and verifiable. Moreover, upon thorough examination, I can confirm that I do not have an account with the name listed on the aforementioned accounts. 

In light of the violations of the Fair Credit Reporting Act ( FCRA ), I kindly request that Equifax promptly removes the three mentioned accounts from my credit report. The absence of essential information compromises the accuracy of my credit profile and may have a detrimental impact on my financial standing. 

Enclosed with this letter, please find my data breachclaim ID and credit report showing the lack of open date, close date, and company name. Furthermore, Equifax is the only credit bureau reporting this information. 

I appreciate your immediate attention to this matter and your commitment to ensuring the accuracy and integrity of credit reporting.
Product: Debt collection

Constar Financial Services Received letter from collection agency to collect a dept that was charged off. I am currently in dispute for Breach of Contract with the Lender in the United States District Court Eastern District of Louisiana and as of date the dispute is still open.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2019 - I submitted a dispute to Equifax in regards to my XXXX XXXX account which was included in my bankruptcy ( signed by a federal judge on XX/XX/2019 ). It continued to reflect 'active ' with an overdue balance of {$1600.00}. All other accounts had been cleared and properly annotated as 'discharged as part of bankruptcy '. The XXXX XXXX account was previously properly updated on XXXX  and XXXX. 

XX/XX/2019 - I finally received an email notifying me that the dispute had been completed. According to the file that I pulled from the Equifax dispute site, Equifax had updated the account to reflect 'Bankruptcy discharged ' with XXXX ' balance and '0 ' payments due. This has still not happened. 

I have applied for beginner level credit cards to attempt to begin rebuilding my credit, but reasons for refusal have included statements such as : " You have recently been past due. '' " Proportion of loan balance to loan amount is too high '' " Number of  accounts with delinquency '' ( which, as of today, is only the XXXX XXXX account )
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit, the following accounts have violated my rights. 
XXXX. XXXX XXXX XXXX  ( Partial Account # XXXX ). 
XXXXXXXX XXXX XXXX  ( Partial Account # XXXX ). 

15 U.S.C 1681 section 602A. States I have the right to privacy 15 U.S.C 1681 Section 604 A 2 : states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit card

In XXXX of XXXX, my Barclays Credit Card ( XXXX ) was compromised for a total amount of {$640.00}. A scammer pretending to be XXXX made XXXX erroneous charges of {$49.00}, that I did not authorize or agree to. I reported this activity to Barclays Fraud Department within a day of them taking place as I learned of them on XX/XX/2024. Barclays Fraud Department investigated for 42 days and I received several claim denial letters on XX/XX/2024 that were dated for XX/XX/2024. When I spoke to Barclays Fraud about the claim denials, only then ( 56 days later ) did they tell me that I filed my claim with the wrong department and that I had to file a dispute with Barclays Disputes. I filed a claim with Barclays Disputes on XX/XX/2024 for all 13 transactions and received letters dated XX/XX/2024 confirming my new dispute ( XXXX ). These claims were again denied in XXXX of XXXX  as the claims department then told me that I needed to dispute these transactions with fraud. Barclays Bank was passing my claims back and forth between fraud and disputes, until finally fraud officially told me that these claims needed to be with disputes and that they would not investigate further. Following this second denial, I then partnered with XXXX, my identity theft protection company, to have them assist me with my fraud event and with their help we provided Barclays Bank Disputes department with a complete claims kits that supported my claim for fraud. We spoke to Barclays on XX/XX/2024 and requested that the original claim be re-opened and re-investigated utilizing the documents that were sent to them by XXXX throughout their investigation. Yesterday, XX/XX/2024, I received claim denial letters yet again from Barclays Bank advising that " too much time has elapsed since the transactions have taken place ''. This is untrue as I reported everything to Barclays Fraud AND Barclays Disputes within 56 days of the transactions taking place. Barclays Fraud Department did not do their due diligence in advising me of where my claim was " supposed to go '' and instead waited 42 days to tell me anything. I reported it to Barclays Disputes as soon as I knew I was supposed to and I supplied them with all the documents I could to support my claim for fraud, including a report I filed with the Federal Trade Commission ( Report # XXXX ). Barclays has not handled my cases appropriately and I am requesting that this be investigated and resolved in my favor. Again, I did not authorize these transactions and Barclays had failed to accurately advise me the proper way to dispute these transactions. Barclays XXXX Bank transactions reporting timeframe is 60 days and I reported all transactions within 56 days.
Product: Credit reporting or other personal consumer reports

XXXX, Equifax, and XXXX have disclosed my personal creditworthiness to numerous third-party inquirers without a valid credit transaction/credit offer/credit contract or my written consent . As a result, I've suffered an informational injury that has a negative impact on my credit score due to the number of inquiries. The named credit bureaus have refused to delete said inquiries from my credit report despite my request to do so. Many of the inquirers I do not know of, nor did I consent to their access to my personal creditworthiness, and absent a permissible reason to access my personal creditworthiness, the credit bureaus were unauthorized to disclose my personal creditworthiness to said third-party inquirers. Accordingly, it is requested that said inquiries be deleted from my personal creditworthiness.
Product: Bank account or service

Since XX/XX/XXXX, I had a XXXX IRA Money Market acct with Bank Of America. From then until XX/XX/XXXX, I earned a total of {$130.00} in interest on a initial {$1000.00} deposit. Recently the interest rate was so low, that I decided to move the money to XXXX XXXX. I contacted BOA and they said they would not do a transfer. They would either send me a check or I could get XXXX to do the transfer. At no time during this conversation, did BOA mention a fee for making this transfer. Since the IRS has strict rules about taking the money from an IRA and moving it on my own, I decided to ask Ally to do the transfer. Once the transfer was complete, BOA notified me that they withheld {$50.00} from the transfer, calling it a processing fee. I contacted them and they said that they told XXXX about the fee and that XXXX should have informed me. They also said that this fee is stated on my quarterly statement. XXXX said that if BOA had told them about this fee, they would have instructed them to relay the information to me and that it was n't their responsibility to inform another bank 's customer of their fees. In addition as you can see from the attached statement, there is no mention of this fee on the quarterly statement. I have XXXX and XXXX and keeping track of all of a bank 's rules are difficult for me. I thought by calling BOA at the beginning of this process, I would be making sure that I made an informed decision about how to proceed. I do n't have a lot of money and they ended up taking XXXX % of the interest it took me 7 1/2 years to earn. Also, why are they entitled to a processing fee, when they refused to initiate the transfer and XXXX was the one who did all of the work? I spoke to several customer service people at BOA after this occurred and they maintain that they have a right to charge this fee. They may have this right, but is it fair, especially considering how small of an account this was. I also think this is unfair because the IRS recommends an account to account transfer to minimize tax problems and BOA is using this to their advantage.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX a dispute was submitted for an unknown account on my credit report. I have no knowledge of this account. On XXXX XXXX. The account came back verified. I have not been provided any verification or any Information that confirms the validity of this debt. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 sw 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. 

This same incident occurred with other unknown accounts being reported and no investigation is actually being conducted.
Product: Credit reporting or other personal consumer reports

i have viewed my credit report and found some errors XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, account numberXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account with number XXXX XXXX XXXX XXXX XXXX XXXX XXXX  All of the above account have different and conflicting errors when checked on three credit bureaus, All of the above account has either been closed by the creditor or by the consumer himself and there is no basis for all these wrong information to stay on my account .All these hinder my ability to buy a house so please investigate these errors and removed the late payments and any closed accounts if can not be verified
Product: Credit reporting, credit repair services, or other personal consumer reports

I hav had a TransUnion credit reporting membership for approximately three plus years. Nevertheless, since XXXX of XXXX, I have stopped getting credit alerts and my account just lies dormant with an occasional credit score change. The only way that Im aware of this is by going into my account via the app. I pay {$26.00} per month for nothing more than a credit score change and to lock my report. TransUnion is just collecting my money without offering me any of the promised services for the account. I have called several times about this and each time I am hung up on when I continue to ask, Why am I not receiving credit alerts about basic information regarding new accounts that have been opened, credit line increases, payment status, credit score updates, etc. In addition, Customer Service is horrendous. Its so bad that it makes me reluctant to even call because the customer service representatives are so unprofessional, incompetent and inefficient.
Product: Money transfer, virtual currency, or money service

I have been a customer of the company for about one year. During that time, I have made several purchases and sales of Bitcoin and other web-based currencies. I have provided the company a copy of my photo ID ( drivers license ) and have been " verified '' by them since my account was originally established. 

About two weeks ago, I received a message that my ID had to be re-verified. I once again provided my drivers license and completed an online questionnaire, similar to those used for a new credit account or credit report, for validation. I answered all the questions perfectly ; and provided my address, which I have lived at for almost six years, and which is listed on my drivers license.
The questionnaire came back as " unable to verify '' and directed me to try again in 24 hours. I have done so, every 24 hours, for the past two weeks, always getting the same " unable to verify. '' While unable to verify, I am unable to move money into or out of my account. I contacted the company on the third day and was given a canned response recommending that I adjust or change elements of my address for the verification. I have been trying that with minor variations, including use of ZIP+4, etc., every 24 hours for the past two weeks, in an attempt to re-gain access to my account, which holds nearly {$6000.00}. This has all been to no avail. No matter how I adjust my address, the " unable to verify -- try again in 24 hours '' message appears. 

I have continued contact with Coinbase tech support, who insists that they can only perform ID validation through the third-party company which they use. I have repeatedly asked for who that third party is so that I can try to resolve the issue through them ( the third party ), but have been summarily ignored at least two times about that. 

I am not the only customer going through this issue. A XXXX search of " Coinbase Identity Verification not working '' comes up with dozens of posts on a number of forums with many other customers having this same issue, and also presumably having their own money held hostage by Coinbase.
Product: Credit reporting or other personal consumer reports

I am formally submitting a dispute regarding the unauthorized and inaccurate information currently on my credit report. Upon a thorough review, I have identified multiple significant discrepancies that do not accurately reflect my financial history or actions. These inaccuracies include accounts that I did not open, incorrect personal information, and inquiries conducted without my consent. I request that you investigate and remove the following items : Collection/Charge Off XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, an a respect for the consumers right to privacy. 

Any consumer reporting agency may furnish a consumer report under the following circumstances and no other In accordance with the written instructions of the consumer to whom it relates. 

Reporting information with actual knowledge of errors, a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonably cause to believe that the information is inaccurate. 

I have reached out to each reporting agency for a resolution but was not able to achieve XXXX. 

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name and number of Closed accounts that needs to be removed. 
XXXX XXXX XXXX date open XX/XX/XXXX. Not my account, XXXXXXXX XXXX XXXX XXXX, opened XX/XX/XXXX. Not my account. XXXX XXXX XXXX XXXXXXXX Opened XX/XX/XXXX. Not my account. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. Not my account. XXXX XXXX XXXX XXXX, this account should have been paid through my daughter XXXXXXXX XXXX. Should not be on my credit report. XXXX XXXX XXXX XXXX Open XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX opened XX/XX/XXXX 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 repot containing any of the following items of information Any other adverse item of information, other than records of conviction 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: Vehicle loan or lease

I leased a XXXX XXXX 3 to 4 months ago from XXXX XXXX XXXX. I told them I needed my lease payment due date changed from the XX/XX/XXXX of the month to the end of the month they said no probllem just contact XXXX XXXX they will change it. I called them and requested it be changed they never did it. I called again following month told them to please change it they didnt, I called again a 3rd time and told them to change it and they said they would but didnt now they claim they cant change it due to some requirements I was never made aware of