23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank of America reported that I have not made any payments on my credit card since as far back as XX/XX/XXXX ( possibly longer, but that is as far back as I can see on XXXX ). On XX/XX/XXXX, BofA reported to the credit bureaus that my account was past due. It was not. I have never missed a payment with them, and my credit report shows no other negative information for the entirety of my credit history. I have never missed a payment on any card, including this one. 

THEIR INCORRECT REPORTING IS JEOPARDIZING MY ABILITY TO SECURE HOUSING FOR ME AND MY XXXX YEAR-OLD CHILD, AND OUR LAST DAY IN OUR CURRENT HOME IS APPROACHING QUICKLY. 

I disputed this information with BofA both via XXXX 's website and on the phone with BofA on XX/XX/XXXX. I spoke with a BofA representative a couple of days later, and I was told the information was being corrected. XXXX showed the dispute as confirmed accurate on XX/XX/XXXX. I called BofA again and was told again that the bank had corrected the information. I asked for written confirmation of this and was told I could only receive this via postal mail. I confirmed my mailing address and was given case number XXXX. Two weeks later, I have still received nothing, and my credit report continues to reflect incorrect information.
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX  Account # : XXXXXXXX XXXX Account # : XXXX XXXX XXXX. Account # : XXXX XXXX. Account # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Credit card

On XX/XX/year>, Chase charged an annual fee of {$550.00}. The card is advertised as a travel card, and a credit of {$300.00} is supposed to be applied when certain types of travel expenses are incurred. The card was used extensively, yet Chase refuses to apply the full credit. I've spoken with " customer service '' supervisors, and a number have agreed with me, however, and they have " escalated '' the matter on at least XXXX ( XXXX ) occasions. 

Unfortunately Chase fails to offer the proper credit and also refuses to provide a human with authority to correct this. 

I believe this is a massive fraud and Chase is charging a premium fee, and failing to provide proper credits.
Product: Credit card or prepaid card

Opened a credit with avant credit card service and had a billing cycle ending on the date XX/XX/XXXX, with reporting to credit burua on XX/XX/XXXX, I had made a payment of {$42.00} with confirmation of XXXX submitted on the date XX/XX/XXXX. 

However on the date of XX/XX/XXXX in was the day they reported the payment to credit burau that should a XXXX balance. they added and fee charge of XXXX reported the amount showing this was a balance. 

Under the federal billing act the company has to allow 21 days in billing cycle to allow for me to pay the billing, in which this did not happened, sending the information all CRA 's and negative report. 

I have spoken with XXXX on the date of XX/XX/XXXX about the matter to ask and demand this be updated correctly to credit bureaus and she is replies there nothing we can do. 

This is Fraudelent billing and my credit has taken a XXXX point dive downward. Making ineligible at my banking institution today.
Product: Debt collection

Received court paperwork on being sued for a debit that I do not owe this company and they threatened to place a lien on my bank account without validation of what it is whats owed and what business i have with them, I have no bill of sale or any assignment contract with them? 

I am writing regarding the above-referenced account that you claim I owe. I request a copy of the original credit agreement or loan contract, including any arbitration clause, that you allege forms the basis of this debt. Additionally, I request a copy of any agreement between Portfolio Recovery Associates , LLC, and myself that outlines any terms or conditions under which you are attempting to collect this debt. 
To date, I have not been provided with these documents, and as such, I am unable to verify the legitimacy of your claim or determine whether the matter is subject to arbitration as per the terms of the original agreement. 
Please note that if there is an arbitration clause within the original agreement, I intend to file a Motion to Compel Arbitration to resolve this dispute outside of court as required by the terms of the contract. I request that you promptly provide the necessary documentation, including the original agreement and any proof that you have the authority to collect on this debt, to avoid any unnecessary legal proceedings. 
Please provide these documents within 30 days of receipt of this letter. If you fail to do so, I will assume that you can not provide them and will proceed accordingly. 
Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft. Someone used my credit to take out a apartment lease in my name. I have never lived at a apartment complex by the name of XXXX XXXX XXXX  and this is being reported under my credit report rental history for XXXX, XXXX and Experian. The eviction was filed on XX/XX/XXXX. Recorded and reported date shows as XX/XX/XXXX at XXXX XXXX magistrate court. I have reported this information to the XXXX XXXX police report.
Product: Debt collection

The company called five times ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) requesting payment. During each call, I asked for a written document to be mailed to me with details on the service provider, amount, date of service, and the nature of the charges. They assured me that they would provide the requested information. Today 's call was rude and the rep said " the validation period had expired and they would be unable to get me what I was asking for ''. She said I was responsible and needed to pay.
Product: Mortgage

XX/XX/XXXX {$1300.00} XX/XX/XXXX {$1200.00} XX/XX/XXXX {$1200.00} XX/XX/XXXX {$1200.00} XX/XX/XXXX {$1200.00} XX/XX/XXXX {$1200.00} XX/XX/XXXX {$1200.00} Above is the list of payments that is my monthly mortgage payment. 
During XXXX of XXXX. I lost my job & request a loan modification. 
Then XXXX I got XXXX, thankfully insurance with my partner.. but then we both lost our jobs & XXXX  at the same time.. again. 
My lender XXXX says I owe them {$18000.00} But the numbers dont add up. 
Now they placed my mortgage in loss Litigation without sending me paperwork to request information of XXXX  and as of today they listed it on a foreclosure auction
Product: Debt collection

In XXXX I was in a car wreck but was making payments on bills. I assumed debt was paid off. However about two years ago someone acting to know me called me at work when I noticed it was n't anyone I knew I hung up phone. I was servered papers by someone that was very rude and got me in trouble with work stating they where going to have a court date and begin garnishment of my wages however I was in college at the time and not getting paid for my work I was in a training position volunteering my time to gain knowledge of my profession. Creditor XXXX XXXX XXXX took my XXXX dollars of a student loan I was getting to pay for my classes I have records from XXXX to prove this fact and caused problems with my courses because they took my funding for college courses at XXXX XXXX XXXX which I also have records showing I was in college there from XXXX to beginning XXXX then I was at XXXX XXXX XXXX of XXXX XXXX to XX/XX/XXXX. I lost my position at XXXX due to harassment by creditors on business phone. I was recently highered by a collision center XX/XX/XXXX about two weeks ago I was served again garnishment papers which then also got me in trouble with my work that to is only a training program but I do get paid enough to pay for tools needed for my jobs duties. I missed payments on my tools due to garnishment and it 's causing problems at my work. For several month I received calls about this debt and still have them saved on my phone. I was not given any chance to defend myself either and talked to an attorney which said there is a statue of limitation on debt of 6 years however it 's been over 14 since. I hope something is done about this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting this complaint today to inform the Credit Bureaus that I was a victim of identity theft. I have made a research on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an ID THEFT REPORT. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of accounts which do not belong to me or were opened without my permission ; XXXXXXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1600.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX ) XXXX Balance : {$1000.00} XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX. ) XXXX Balance : {$730.00} XXXX XXXX XXXX ( Original Creditor : XXXX  ) XXXX Balance : {$0.00} XXXX XXXX Balance : {$2000.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00}. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Mortgage

My mortgage was transferred from XXXX XXXX XXXX to a firm, unnamed, serviced by Selene Finance, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, TX, XXXX. During the handover of my mortgage to Selene, either XXXX did not hand over the credit for the XXXX 2015 payment I made, or Selene received it and did not credit it to my account. For almost nine months, while I have made monthly mortgage payments, XXXX has keep my account as " past due '' because of this error, and has threatened to put my home into foreclosure. As a result, my credit remains damaged, on an on-going basis. 
In addition, Selene held onto the escrow funds from XXXX despite numerous attempts by XXXX XXXX to get the portion for homeowners insurance. At one point, my home was uninsured as a result for one month. I had to pay the premium out-of-pocket rather than Selene paying the escrow. It was not until months later that Selene released the funds to XXXX XXXX and we received a refund, but the damage to our budget and credit was already done. 
I am trying to refinance so that I can pay a tax lien on my home and take out money for my daughter 's XXXX care, but with the continuing " 30 day past due '' status and threat of foreclosure, I can not get refinancing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regarding Transunions response to compliant XXXX of a 60 day reinvestigation. I dont find that response sufficient. I have mailed Transunion a letter of my intent to sue regarding the bankruptcy on my credit report that they uses XXXX XXXX as their furnisher. My letter of intent to sue was mailed via USPS with tracking # XXXX. Not only did I supply Transunion with the XXXX XXXX results showing the bankruptcies came back unverifiable. On the XXXX XXXX results page, that I have already sent, is a website and passcode to pull my most recent XXXX XXXX Report where you can scroll down to the bankruptcy section and see that it has been removed. XXXX XXXX is no longer a furnisher of bankruptcies regarding my self. I also received a letter from the courthouse stating they do not furnish any information to ANY CREDIT AGENCY.
Product: Credit reporting or other personal consumer reports

I am trying to freeze my credit report at Equifax, due to the recent breach of US social security numbers. I have already received notifications from my internet security firm that my SS # has been found on a number of dark web sites. 

My efforts to freeze my Equifax account started on XX/XX/year>. I have tried to create a user account on their website and through a phone app, so that I could freeze my account. What I encountered has been the experience of others on internet forums who can not extablish accounts on Equiax either. 

On the website, they took my information and when I clicked on create account, I am told that their servers are not availale. I have tried many times over the last few days. 

Today I tried by downloading the Equifax app Lock & Alert. Again I entered my info several times and can not get my account verified. Therefore, I can not freeze my credit report. 

I should note that I was able to freeze my reports on XXXX and XXXX without the drama I experienced with Equifax. 

I tried calling customer support and was put on hold endlessly without anyone answering. This is unacceptable behavior from a major credit reporting firm.
Product: Credit card

I applied for the card and was approved, however shortly after that my account was shut-down by the verification department and they requested I supply XXXX, copy of social security card, and state ID. I furnished those documents. The reps at the department re-opened my account however that was after the 90 days of account opening which I was not able to earn the XXXX bonus points offer. I meet the purchase requirements and I would the bank to steps in understanding the situation and correct this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Transunion, I am writing to dispute the following information that appears on my Transunion report from XX/XX/XXXX : Public Record from a XXXX XXXX XXXX on XX/XX/XXXX. 
I previously disputed this public record stating : ''I dont recognize this public record. Please provide proof from the court of this public record. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and verification of this record from the court, or delete this public record. 

Inquiry from XXXX on XX/XX/XXXX. 
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 

Inquiry from XXXX XXXX on XX/XX/XXXX. 
I previously disputed this inquiry stating : ''I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof that this lender was authorized to make this inquiry, or delete this inquiry. 

Inquiry from XXXX on XX/XX/XXXX. 
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 

Inquiry from XXXX XXXX on XX/XX/XXXX. 
I previously disputed this inquiry stating : ''There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof that this lender was authorized to make this inquiry, or delete this inquiry. 

Inquiry from XXXX XXXX on XX/XX/XXXX. 
I previously disputed this inquiry stating : ''There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof that this lender was authorized to make this inquiry, or delete this inquiry. 

Inquiry from XXXX on XX/XX/XXXX. 
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 

Inquiry from XXXX XXXX on XX/XX/XXXX. 
I previously disputed this inquiry stating : ''I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof that this lender was authorized to make this inquiry, or delete this inquiry. 

Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance.
Product: Bank account or service

Bank of America is notorious for re-ordering transactions to drive up overdraft fees. 
I made a transaction on Tuesday evening ( XXXX XXXX ) at a restaurant for roughly {$10.00}. Dropping my balance to {$57.00}. The next day I woke up, my account was negative {$170.00} dollars. They re-ordered a {$150.00} charge to the beginning of the month causing my account to overdraft XXXX times ( {$100.00} ). Bank of America has a policy that if your bank goes into the negative, you have until the end of business to get it back positive before they charge you an overdraft fee. My account should have been negative roughly {$100.00}, in which I would have transferred the money over. They refused to remove the overdraft charges when I had called. This is a predatory practice. Had the bank not done this, I would not have been charged ANY overdraft fees. Instead, they used predatory practices to take {$100.00} dollars from me. 

This practice should be illegal.
Product: Debt collection

I have two companies communicating with me about the same debts. I have Resurgent Capital and XXXX XXXX collecting the same debt purchased by LVNV Funding Solutions. This violates section 15 U.S.C. 1692e about debtor representation. Also, neither company has provided in writing the validation of debt. They have sent emails and texts stating that they each are collecting the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

All of my personal identification have been stolen. Drivers license, social security card, birth certificate. All of my personal information have been changed with Equifax. A seven year fraud alert have been placed on my report. I 've spelled my name as XXXX XXXX XXXX, XXXX XXXX XXXX & XXXX XXXX XXXX. XXXX is my maiden name. I was once married to XXXX. XXXX XXXX XXXX XXXX XXXX XXXX child name is XXXX. XXXX XXXX XXXX XXXX His birthday is XX/XX/XXXX. My XXXX  child name is XXXX XXXX XXXX XXXX.his birthday is XX/XX/XXXX. He was born at XXXX  XXXX in XXXX XXXX. He have a XXXX XXXX & he 's a substance abuse. XXXX have been taken advantage of because of his XXXX, by the XXXX Family & others. The FBI told me to pull my credit report, because it 's an inside job. A monitoring service have been added to my report, to prevent me from pulling my report. I was also told to pull all of my tax returns. Because my date of birth have been changed, my employers have been changed. Social Security have written me a query with all of the EIN numbers of my former employers from XX/XX/XXXX-XX/XX/XXXX. In XX/XX/XXXX I filed Bankruptcy. The property at XXXX XXXX XXXX XXXX had been refinanced by The XXXX Family in XX/XX/XXXX without my knowledge. A series of people was linked to me with XXXX XXXX XXXX XXXX. In XX/XX/XXXX someone reported a fraud XXXX XXXX to IRS. They used The Department of Labor FIN number was used. The property had been turned over to Tennessee Housing Development. The property was sold for {$18000.00}. Yet {$35000.00} was reported to IRS. XXXX XXXX XXXX reported to Equifax I owe for their service. I was no longer in the home. I was forced out of the home. I was n't involved with the selling of the home. XXXX XXXX XXXX and all of her children abused XXXX XXXX XXXX services. My late father social security number is being used. The late XXXX XXXX have been deceased since XX/XX/XXXX. My mother social security number is being used, she has been deceased since XX/XX/XXXX. XXXX XXXX XXXX is my mother 's name. I reported this to XXXX XXXX XXXX years ago. At the time I did n't know my credit report had been tampered with, in the way that it have been.
Product: Credit reporting or other personal consumer reports

All 3 credit bureaus XXXX, XXXX, Trans union have yet provided proof of original contract with my signature, and said Debt has been claimed by written off and should not be reported to said credit report under federal and state codes and rules in the Fair credit reporting act. 

No person, business, ect shall publish negative information on such credit report under the CFPB guidelines that are guidelines under Federal Court Law Rules and Regulations. 

Please remove all negative information reporting to my credit report.