23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Company Name : Achieved Personal Loan Account Number : XXXX Address : XXXX XXXX XXXX XXXX XXXXXXXX, AZ XXXX To : Whom It May Concern On XX/XX/XXXX, I was looking on my experian account to get an update credit score and noticed that Achieve Personal Loan a company I did not recognize for an amount of {$5500.00} on XX/XX/XXXX. I have no idea who this company is. I never gave them written consent to furnish my information or obtain my information. In 15 U.S.C. 1681 ( g ), I am a victim of identity theft, and I did not make this charges. I am requesting that the charges be removed/ the debit reinstated, that any finance and other charges related to the fraudulent amount be credited, as well, and that receive an accurate statement.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has shared my credit report with leasing company which has inaccuracies. When i called them 6 times to get the report fixed or file disputes, they first could not pull out my report when eventually a guy named XXXX did. He refused to share any information with me. 
Also the website is supposed to allow me to register and dispute inaccurancies online but this company refuses to do even that. 
I have wasted at least 3 hours with them but no help
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and there are items on my credit that are not mine. Please remove these items off my report as they are not mine. XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX. I contacted the local police and the FTC about this. I also saw some inquiries on there that are not mine as well : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I made a purchase using my apple card on XXXXXXXX XXXX I retuned the item on XXXX XXXX. I opened a dispute on XXXX XXXX as I didn't see my refund right away. 

On XX/XX/XXXX i was charge {$830.00} for this transaction. 

XXXX is refusing to help in any way. I have sent screen shots and I have emails PROFVING i returned this item.
Product: Credit reporting

This is a fraudulent account on my credit report, the XXXX have already satisfied this negative remark on my acct as being paid off, please remove this, also a XXXX should n't be on my report, another fraudulent activity on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Report submitted by Sequium Asset Solution on behalf of XXXX XXXX about collection of a delinquent account that is not mine. Report submitted to both XXXX  and XXXX. 
No one contacted me about the 'debt ' before the report appeared. 
I have resided in my current residence since XXXX, bought and paid for. 
I have not lived in XXXX XXXX since the mid XXXX. 
The property noted was not built until XXXX.
Product: Debt collection

XX/XX/2020 - I communicated to collection company, I do not owe this debt in the amount of {$1200.00}.
Product: Credit reporting or other personal consumer reports

My account with those creditors was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in those account to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXXNever Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Checking or savings account

The Bank if America has reported my account as fraud. They are refusing to eremove the fraud off my case. Can't get information to move to next step.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency XXXX XXXX credit reporting agency , and XXXX credit reporting agency to block information appearing on my consumer credit report that is tho result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a porsonal credit card accounts opened at ALLY FINANCIAL in XX/XX/year>. 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is failing to comply with FCRA Sections 605B and is also in breach of Sections 616 & 617 for willfully non-complying and neglecting to adhere to the rules and laws of the FCRA. I have submitted 7 complaints informing Experian that I was a victim of identity theft. Experian is failing to block or remove the accounts from my report. I followed their guidelines. I filed a report on the FTC website, I specified how the identity theft took place, that I did not benefit or receive goods or services from the alleged accounts, I validated the identity theft with a federal law enforcement agency ( which they're claiming I haven't ), I submitted the identity theft reports, provided a report circle the fraudulent accounts, an affidavit from the FTC website & provide a photo ID for their records. Experian has claimed the accounts listed below have been verified and are accurate. I'm truly confused by their antics/tactics on how to report this issue but they are ignoring this dispute and failing to comply with the rules set forth in the FCRA. I need them to be held accountable & have the following accounts blocked/removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX
Product: Bank account or service

I opened a checking account with BOA under an promotion for a {$300.00} credit with a new checking account and qualifying direct deposits in 90 days of opening. I was very careful to fulfill ALL terms of the promotion, but the {$300.00} was not credited to my account. 

Over a period of 3 months, I made numerous attempts in writing and by phone with customer service representatives, but simply got the runaround. I received no response or return communication despite escalation attempts.
Product: Credit card or prepaid card

My 16 year-old son lost his Bank of America debit card and pin number which was his first ever card and banking experience, which was recovered by unknown people who illegally used it. Over the course of about 15 days from XX/XX/XXXX18 the thieves used the card to make several purchases and deposits to decieve the bank and to the result of a negative ( - {$2800.00} ) charge in the account of which I am the parent. B of A then took money I had in a different checking account to cover the negative balance. I need this money returned to pay my immediate bills which are now late. 
Bank of America has of this date refused to take responsibilty for recognizing this fraud, which is all the more alarming! I am willing to testify and prosecute should a suspect be identified. I have also filed a police report in XXXX county onXX/XX/XXXX18 but the case is very slow moving to say the least. B of America knew my son was inexperienced in banking. B of A also was familaiar with this particular scam that was perpetratrated on us. I was shocked they effectively gave this " debit '' card not only " credit '' but also let it go hugely negative only to zap the money to cover it from me just as I attempted to pay my rent causing cascading financial problems for me. They also blamed me and my son, were very dismissive in my efforts to investigate, sometimes downright rude, and could help by checking their ATM video tapes to identify suspects, but have immediately closed off further investigation even after I asked them to reopen the " supposed '' investigation.
Product: Credit card or prepaid card

Hi, I have a multiple balances on my Citi credit card at variable rates. My payment has been applied in a way to only pay down my lowest interest charge as opposed to the highest interest charge. I believe this to be in direct violation of the Card Act.
Product: Mortgage

Bank of America, through their XXXX XXXX XXXX XXXX XXXX ( XXXX ), has or will cause to be recorded a Trustee 's Deed upon the sale of their XXXX interest held by the XXXX Deed of Trust to a third party. 

As dual tracking is prohibited, Bank of America and XXXX have no authority to record the Trustee 's Deed based on the unlawful recording of the Notice of Default ( NOD ) and the subsequent Notice of Trustee Sale ( NTS ). 

This property has been held by me under a claim of adverse possession upon meeting all requirements of law. Therefore, my property and home are not subject to foreclosure or Trustee Sale and no NOD or Trustee 's Deed should have been reorded. 

It should be noted Bank of America has made no default claim on the XXXX Modified Deed of Trust to date. 

On XXXX XXXX, XXXX the agent of the XXXX ( XXXX ) came out to my home and could see the published and posted Notice of Ownership through Adverse Possession which establishes the fact the XXXX may no longer claim lack of knowledge of my ownership of the property through adverse possession. Although not required, the Adverse Possession Declaration is still posted on the property to date and will remain until a court order is issued to remove the notice from my property. Additionally, upon being told they would have to put me out of my home, the XXXX agent replied, " We 're not trying to put you out. '' An indication there are no plans or intention to reside upon the property. 

All previously mentioned resolutions are desired and mandatory to include all fees and charges included under the XXXX Making Home Affordable ( MHA ) Home Affordable Modification Program ( HAMP ) Modified Deed of Trust including, but not limited to the charges related to the XXXX XXXX Deed of Trust.
Product: Debt collection

hello, I saw that i have medical collection debt on my credit since XX/XX/2019 from MBA LAW i tried to contact and obtain any records signatures or medical pressures but no success. 

no one called me before and no letters sent to me of debt its just showed on my credit report. 

very important to mention that i explained that i am an victim of identity fraud and that why also have note on my credits it is not first time that i am receiving letters and fault reports on my credit reports from places and services that i never used or received. 

i will ask to remove this fault report from my account immediately because its effect my score badly. 

thank you
Product: Bank account or service

On XXXX/XXXX/15, someone created fraudulent checks and went to XXXX different Comerica Bank locations to cash checks from our accounts. In total XXXX checks were cashed on the same day. The bank branch suspected fraud and called us but could not get through to us immediately. We were able to speak to the bank branch that day, instructed the bank that it was fraudulent, to stop cashing those checks and to call the police. The police were able to arrive and arrest one individual while he was trying to cash a fake check. The police noted the other assailants fled the scene. Comerica Bank originally returned all of the stolen money to our account after they had us sign affidavits at their branch. Then on XXXX XXXX, 2015 they informed us they were deducting the entire stolen amount from our remaining balance and we were to be held liable for the fraudulent check cashing. Despite the police report showing the checks were fraudulent, Comerica Bank is still holding us accountable even though we are not the ones in a position to determine whether a check is fraudulent or not nor were we in a position to stop the cashing of the checks. Comerica Bank has a duty to ascertain whether checks are fraudulent before cashing them. In this instance, they already suspected fraud yet still continued to cash the checks. This issuspicious to say the least. So after signing affidavits attesting to fraud, they can collect from their insurance at our expense. By law, we have 60 days to report fraud. We reported it the same day it was occurring and by our own hand stopped more fraud from occurring. Comerica Bank on the other hand, negligently cashed fake checks and perpetuated repeated fraudulent check cashing when they clearly suspected fraud.
Product: Checking or savings account

I opened a checking account on XX/XX/2023 with US Bank to receive the {$300.00} bonus. Completed the {$5000.00} qualifying deposits within 90 days of opening the account, and 60 days after the 90 days - I have not received my bonus ( XXXX is the deadline for deposit ). Called numerous times, and now I am told that there was an error with depositing bonus for a group of customers.
Product: Mortgage

Navy Federal Credit Union was processing an application to refinance my home loan. They are withdrawing my application due to the credit report expiration and an issue with debt to income per a voicemail I received XX/XX/XXXX. I submitted my loan application on XX/XX/XXXX. 
The company did not process my application in a timely manner and therefore the application is being withdrawn. I attempted making contact during this process by phone, voicemail, emails, and secure messaging on their site. 
Recently, I have left 2 voicemails on XX/XX/XXXX and XX/XX/XXXX in attempt to get more information about them withdrawing the application but no one has responded. 
I called and tried to get through 3 times on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
I sent emails from my XXXX account ( a total of 28 messages traded from XX/XX/XXXX to XX/XX/XXXX ) many of which went unanswered for weeks on end. These emails went to : XXXX XXXX Mortgage Processor | Mortgage Lending Navy Federal Credit Union XXXX XXXX XXXX XXXX XXXX XXXX, FL | XXXX NMLS # XXXX Email XXXX Phone : ( XXXX ) XXXX Extension : XXXX Fax : ( XXXX ) XXXX NavyFederal.org I also sent secure messages through their site that were never addressed ( XX/XX/XXXX, and XX/XX/XXXX ). 
I have spent at least {$800.00} so far on appraisal fees, credit reports, and termite inspections. 
I was supposed to be refinanced with Navy Federal Credit Union for a 15 year VA home loan at 3.5 % for XXXX. 
My current loan resides with XXXX XXXX ( balance approximately {$57000.00} ) and I have never been behind on payments ( this loan is a convention 30 year with an adjustable rate which I have been saddled with since XX/XX/XXXX ). My home also currently appraised at {$130000.00}. 
After I got off XXXX XXXX with the XXXX, I received a XXXX rating of XXXX XXXX through the VA which also exempts me from paying some of the loan fees. I got off XXXX XXXX XX/XX/XXXX and preceded to go to school while staying home with my children. I then was able to find employment with XXXX XXXX XXXX on XX/XX/XXXX and presently still work there. 
I hope I have given all the pertinent information and look forward to finding a resolution to my complaint. Thank you for your time. XXXX XXXX cell XXXX, my employer XXXX XXXX XXXX.XXXX My address is : XXXX XXXX XXXX XXXX XXXX, NE XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

OnXX/XX/XXXXXXXX XXXX  ran y credit with y knowing and permission and they answered claimging to find out where I work and live Can they run your credit to find out Information just because they want to when they can just call you and get it Transuniom is reporting this knowing that they are doing this illegally
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : Both Equifax and XXXX began to report an unpaid debt on my account in the amount of {$130.00} to XXXX XXXX XXXX around XX/XX/2018. This is stunning, since XXXX checked into my dispute regarding this account and removed it immediately. Both Equifax and XXXX, however, refused despite several phone calls and dispute filings. I do not owe that company any money. I have never missed a credit card or loan payment in my entire life, and these credit reporting companies have now reported an unpaid delinquent debt that cost me about XXXX points on their credit report. I asked the credit reporting companies whether there is a judgment against me of any kind with respect to this debt. Neither Equifax nor XXXX  could find any such judgment. Nevertheless, they stated that XXXX XXXX XXXX claimed I owed money, and that was the end of the inquiry. I asked why my statement that I did not owe any money would not be held in the same regard as that company 's statement. But these companies had no valid answer. 

Furthermore, XXXX  continued to add a suffix to my name that does not exist over my objection. Equifax did the same thing. I disputed this with them, but only XXXX  fixed the error. Equifax refused, demanding personal information, which I was unwilling to send them due to their record of records ' breach ( which impacted me ). They stated one company ( out of XXXX accounts ) reported my name as XXXX., and they would take that company 's word over mine and that of XXXX companies. This was stunning, and to this day, the company continues to hold me out as someone I am not. 

I hope you can fix this! 

Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

PNC has lost connectivity with the investment app XXXX. XXXX  can be used for investment as well as long term savings and establishing an IRA. The inability of PNC to link my account with XXXX  has prevented me from participating in this investment opportunity.
Product: Credit reporting, credit repair services, or other personal consumer reports

Wells Fargo continues to damage me and crucify my credit score over a debt I settled by tender of payment back in XXXX The debt is over 8 years old, the statue of limitations is 7 years on a debt that has been settled by either discharge or settlement. I sent them a tendered offer in XXXX and they kept it and never complained when they kept the settlement. I am tendered payment to these liars must I tender of payment again because they continue to act in dishonor and hold my credit report hostage. 

I have complained to the Consumer Financial Protection Bureau ( CFPB ) in the past numerous times yet you have done nothing to assist me. There is no justice in the United States of America and we the people are screwed from the bureaucracy! 

I want the CFPB to force Wells Fargo to abide by the Fair Credit Reporting Act as well as Fair Debt Collection Act. You are allowing them to XXXX me financially after the seven year statute of limitations. WHEN DOES IT STOP! I HAVE SETTLED THIS DEBT AND TENDERED PAYMENT!!!!!!
Product: Debt collection

There was a breach of people 's personal information and I have been getting harassed and threatened for everything on my credit.
Product: Mortgage

My husband and an XXXX filed bankruptcy in XX/XX/XXXX. We had a home equity line of credit with Bank of the West and the borrower was the XXXX, my husband and me. Bank of the West was notified by the courts and our attorney. The billing continues to be sent in the name of the XXXX, even after I sent them copies of the bankruptcy notice. I called the bank the end of XX/XX/XXXX and they said they would change the name on the billing notice to my name since I did not file bankruptcy or not send notices to us at all. This process took about 4 years to complete. If a Chapter XXXX bankruptcy was discharge and the debt was not reaffirmed, can they send notices? The XXXX was no longer a viable company
Product: Credit reporting, credit repair services, or other personal consumer reports

I never applied for no credit