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

This complaint is regarding US Bank. 

I received a cashier 's check in the mail from an unknown Sender for {$3500.00} and an offer to become a " XXXX XXXX '' at local businesses in my area. I was to enter the businesses, critique the staff and store, buy gift cards from several different specific stores totaling {$3000.00}. I was then to send pictures of the giftcards to the Sender. I would be able to keep {$500.00} for the XXXX XXXX services. I thought it sounded fishy and was suspicious. I took the cashier 's check to my bank and told the teller of my concerns. I asked her to confirm whether or not the check was valid. She took some time in the back, and eventually returned and told me yes, it had " gone through ''. She gave me the {$3500.00} in cash. I completed my services for the Sender, sent him the receipts as requested and was done with it. Approximately XXXX week later I received a notice from my bank that the cashier 's check had been fraudulent, and they wanted their {$2800.00} back as they had already deducted all my money, {$700.00}, which was all the money I had in the account. Understandably, I immediately cancelled the account and left that bank. Now years later, this has shown up on a credit application check.
Product: Payday loan, title loan, or personal loan

. Hello, at the end of XXXX I received an email from a loan agency and it was a check for XXXX, I proceeded to call them and investigate, I could even go to the company if I liked, but I decided to make the deposit in XXXX, on XX/XX/XXXX they made the collection and according to XX/XX/XXXX it would be released, but it was not like that my account was blocked, and I spoke with more than XXXX agents, in the end my account was blocked and closed for fraud, another agent said that they had already contacted the bank and As it was not an authorized check, another agent said that in their database they did not have the number to verify the check, they closed my account and I told them to return the money even though I had already called XXXX and they could not do anything because they already the check had been cashed, which XXXX told me would be investigated for XXXX years, now I am paying this loan so as not to damage my score in credit institutions
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX, has violated my rights 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 An 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: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is unacceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I lost my wallet a year ago and now someone opened a truist account in my name
Product: Debt collection

I recently filed a complaint against this company for attempting to collect a debt that is not mine. The complaint number is : XXXX The company responded saying they could not validate the debt and were updating my credit report to say " disputed ''. This is not acceptable. I want this item that does not belong to me completely removed from my credit report. The company responding saying that the letter from XXXX relates to a data breach that happened after the account in question was opened. When reading the letter one can see that this is simply not the case. The letter says XXXX became AWARE of the breach on XXXX/XXXX/XXXX and nowhere in the letter does it state that the breach happened on that date. Furthermore I have attached a letter from XXXX bank detailing the credit hack which occurred in XXXX. As this letter from XXXX is NOT dated one would have to utilize the toll free number on the letter to inquire about any dates or details relating to this debt. Below is the text from the original complaint : I am a victim of identity theft. Several years ago my bank, XXXX, had a data breach. My sensitive information including name, social security number, date of birth and address were sent to over 1,000 people. Several accounts were open in my name without my knowledge or consent. This account was opened as a result of this identity theft. I disputed this directly with the company and did get a response. Later after dealing with that XXXX had a major leak related to XXXX. I have attached documentation regarding this leak which includes contact information for XXXX Bank if you would like to verify the identity theft with the bank.
Product: Debt collection

Someone using my name set up a few utility accounts in North Carolina in XX/XX/XXXX. They were placed in collections in XX/XX/XXXX. I did not receive any communications from the agency until XX/XX/XXXX. I have been sending documentation to establish my identity and show that I did not open the accounts in question. They have gotten every bit of information they need to clear it, minus a police report. My local police office does not issue police reports, but they did provide a letter stating all of the information I reported to them. The collections agency refuses to clear my case until they have a police report even though they have spoken directly to my local police department. There is nothing more I can do from my end, and the agency refuses to clear my case. They are literally holding my credit score hostage.
Product: Credit card

Harassing and threatening phone calls daily from this law firm. violation of all FTC regulations. I have been discriminated during phone calls with this company. called XXXX person. false billing and criminal tactics. false accounts which i do not owe nor responsible for payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act ( FCRA ) ; US POSTAL FC has violated my rights. OnXX/XX/2022 there was an unauthorized inquiry. 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 an account without my written instructions 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 an account without my written instructions.
Product: Student loan

My complaint is against XXXX XXXX. I have been provided repeated false information regarding the terms of my loan. I have attempted to hold their supervisors and customer services representatives accountable to stand by the information they are providing me as being factual and on four separate occasions I have been told conflicting and false information. I have perused the matter with the the XXXX XXXX ombudsmen to only be offered an apology. I have contacted the Department of Education and have a case pending. I need to take legal action to hold them accountable to the information they provide me as it involves years of repayment terms and tens of thousands of dollars. I have a paper trail, employee ID 's and records of all conversation in which I was given false information, and told I would receive documentation on company letter head describing the facts they were providing me. It never happened. It is completely unacceptable and I need to hold them accountable to the information I was provided.
Product: Credit reporting or other personal consumer reports

I am writing to dispute this item on my credit report that have infringed upon my federally protected consumer rights to privacy and confidentiality, as guaranteed by 15 USC 1681 of the Fair Credit Reporting Act ( FCRA ). 

The following account listed on my credit report have violated my rights : Convergent Account XXXX According to 15 USC 1681b, consumer reporting agencies may only furnish consumer reports under certain circumstances. The unauthorized disclosure of my personal information to these entities constitutes a breach of confidentiality and an infringement upon my right to privacy.

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: Credit reporting or other personal consumer reports

I saw that my XXXX score went down by approximately XXXX. I have always had stellar score. Upon investigation I saw that there is an account closed with a balance on my report that IS NOT MINE. 

See below : XXXX XXXX XXXX XXXX {$950.00} / {$800.00}
Product: Credit reporting

I had a beauty procedure done in 2011 and paid the full bill before they would let me leave the office and then 3 years later I get a bill saying i hadnt paid enough. Ridiculous and i will not be taken advantage of. I contacted the company at the time i recieved the eronious bill and also placed a complaint with the XXXX. Please remove from my file immediately. 
Thank youXXXX XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX, I made a {$7000.00} purchase at XXXX XXXX XXXX and was offered a 0 % interest to XX/XX/XXXX store card through Comenity Bank. 

- on XX/XX/XXXX, I paid the card in full in the amount of {$5900.00}. I miscalculated and the amount was overpaid by {$200.00}. 
- on the XXXX statement, the overpayment was shown and it indicated the {$200.00} would be refunded within 30 days. 
- on the XXXX statement, a Fraudulent charge of {$120.00} on XX/XX/XXXX showed up, a charge I did NOT make. 
- I immediately called in and was told that the charge was erroneous due to them changing over a billing system and that it will be reversed and refunded. I also asked to close the card, but the representative asked me to wait until the refund has been issued before closing the card. 
- It is now XXXX and I still have not received a refund and see that Comenity is still reporting the account open with a balance due on my current credit report. 
- I called in early XXXX to inquired again about the charge and refund on was told they sent it and will send it again. 
- Today, XX/XX/XXXX I again called in regarding the Fraudulent charge and was told by a representative named XXXX that my account was closed as of XX/XX/XXXX. I asked her about the fraudulent charge and refund, she THREATENED me that IF she were to open an investigation that I will be responsible for the charge and will OWE Comenity an additional {$120.00} since the account is closed. An amount that Comenity NEVER returned to me in the first place, but I will have to OWE THEM additional? 

*Comenity has a Secured Messaging board, however after you are done composing your message and attempt to submit it, an error message appears asking you to try again at a later time. 

Comenity is a dishonest credit issuer. They should better train their employees to properly review transactions and respond to customers OR place a better system so that FRAUDULENT/BOGUS charges just don't " show up '' on consumer accounts. 

At this time I just want Comenity to properly issue my refund and accurately report to the credit bureaus that my account is PAID IN FULL, ON TIME AND CLOSED. That seems too much to ask for of this bank. This has been the most frustrating experience I have had with a bank thus far.
Product: Credit card or prepaid card

I have a California Employment Development Department debit card issued by Bank of America which has my XXXX claim funds on it. I have contacted Bank of America at least a dozen times since XX/XX/2023 when they told me they were mailing me a replacement card as mine would soon be expired. I never received a replacement card, even after requesting a second one, and have been promised by Bank of America on four different occasions that they would mail me a check for the balance of my account which is {$10000.00}. I went in to my local CA EDD office and they confirmed my address and that the money had been issued to my prepaid card. The most recent dates on which I was promised a check are XX/XX/2023 and XX/XX/2023. I spoke with Bank of America again today ( XX/XX/2023 ) and was told no check had been sent.
Product: Debt collection

Collection Removal Statement I am writing to file a formal complaint regarding a collection account that has been improperly reported on my credit report by Midland credit management without providing me the option to dispute the debt, as is my right under the Fair Credit Reporting Act ( FCRA ) required by 12 CHR 1006,34 ( D ( 3 ), yet they have proceeded to place a collection account on my consumer report. This omission denies me the opportunity to verify the accuracy of the debt they claim I owe. 2. I have not been afforded the opportunity to dispute the account in accordance with 12 CER 1006.34 ( c ) ( 4 ) ( 1 ). This denial of the dispute process deprives me of my right to challenge any inaccuracies or discrepancies regarding the alleged debt. 1.

Midland credit management has resorted to false, misleading, and deceptive means in their collection efforts, thereby violating my consumer rights. Such unethical practices undermine the integrity of the debt collection process and cause undue distress to consumers. 2. 
Furthermore, the agency lacks the authority to furnish any account to consumer reporting agencies without adhering to the necessary disclosures mandated by law. By neglecting to fulfill their obligations under 12 CER 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ).

Midland credit management is flagrantly disregarding consumer protection statutes. I did not receive any notice from Midland credit management providing me the opportunity to dispute the validity of this debt within 30 days, as required by law. This has caused significant harm to my credit score and has resulted in undue financial and emotional stress.

I kindly request that the CFPB investigate this matter, as I believe this collection was reported without following the proper legal procedures.

Additionally, I request that midland credit management remove this account from my credit report and cease all collection efforts immediately. 
Thank you for your attention to this matter. I look forward to your prompt resolution of this complaint. Sincerely, XXXX XXXX
Product: Credit card or prepaid card

I have been a bluebird American Express client for years since 2013, out of the blue my account has been permanently suspended when I call to ask and find out why nobody can tell me any information about why but I have to write a letter to the Amex Bluebird address Ive done that multiple times over the years to try to receive my money which is the remaining balance in my account {$420.00} Im to the point now its just too stressful its been almost 3yrs now and still hadnt gotten a response or check with my balance but I get alerts thats shows my balance still till this day can anyone help me please i dont know what else to do
Product: Credit reporting or other personal consumer reports

I am filing this formal complaint after attempting to remedy inaccurate information on my credit report for over XXXXXXXX XXXX without success. Despite multiple attempts and providing a clear paper trail of communication, my concerns have been ignored, which constitutes negligence and a violation of the Fair Credit Reporting Act ( FCRA ). 

The information reported by your company is not credible, as there have been inconsistencies in reporting across credit bureaus, with Experian showing late payments that neither XXXX XXXX XXXX have reported. This inconsistency further indicates a lack of accuracy in the data furnished to the credit bureaus. 

At this point, I demand that you : Remove the late payments from Experian. 
Update the account status to Paid as Agreed to reflect accurate information. 
Failure to address these inaccuracies can lead to legal action for FCRA violations under 15 USC 1681e ( b ), which mandates that information furnished must be 100 % accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

GM Financial is reflecting 30 day late payments on my account for XX/XX/2018, XX/XX/2018 and XX/XX/2018. My payment due date falls on the XX/XX/XXXX of every month and in accordance with the attached payment history, all payments were made within less than 30 days of the due date.

Payments dates are as follows ( see attached doc ) : XX/XX/XXXX : XX/XX/2018 XX/XX/XXXX : XX/XX/2018 XX/XX/XXXX : XX/XX/2018 XX/XX/XXXX : XX/XX/2018 I spoke with representatives with GM Financial and they indicated they could not correct their error and that I needed to dispute with the credit bureaus. I believe this an unacceptable practice by GM Financial. As a credit, they are required to report accurate information to the three credit bureaus in accordance with the Fair Credit and Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

After carefully reviewing my credit report, I noticed an unauthorized inquiry from your company. I have not given your company permission or reason to run my credit. I've sent numerous letters requesting any proof that supports this unauthorized inquiry. You have not responded, so you must contact the credit bureaus and request that the inquiry be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX - reporting a balance of {$600.00} when original creditor shows Hughest balance being {$550.00} and when I called and asked to verify the balance history and validate it so I know its legitimate, they said they cant give me any info about the debt just that I have to pay them. 
Original creditor is XXXX XXXX XXXX- shows as open account on XXXX and Equifax as well as XXXX XXXX, how can they both be open? XXXX  fixed that with dispute. XXXX didnt update after disputing, Equifax has inaccurate history or none at all for multiple account and they continue to say they cant verify my identity when submitting a dispute, when I can log in their sister sites just fine to access my reports. 
XXXX XXXX XXXX claims to have bought a debt from a creditor my precious bank XXXX XXXX XXXX XXXX XXXX who I was having issues with their way of applying deposits and transactions out of order to ccharge me outstanding fees of hundreds of dollars over the time I was with them. I opened account elsewhere and was paying down the fees, I made a payment of {$200.00}, next balance said {$0.00} and then all of a sudden I have a collection from this collection co reporting I owe {$190.00}. They will not inform me what kind of credit ( since I had no credit with XXXX ) and what transactions I did not pay for that led the account to be sold to them. XXXX dispute was successful. XXXX and Equifax are impossible to submit disputes with and never seem to investigate to the degree that XXXX does or else they woukd come to the same conclusions. I have disputed wrong personal info through Equifax they claimed to delete and it still appears. My score is over 80 or more points less with Equifax, and 40 with XXXX due to these specific errors. Thank you for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Experian and XXXX credit bureaus after I purchased a credit report from XXXX XXXX on XX/XX/XXXX. After receiving a copy of my report, I saw this UNVERIFIABLE items on my personal profile, I noticed that there were : XXXX XXXX XXXX XXXXXXXX, TX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX TX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Balance : {$640.00} on my credit report which are UNKNOWN to me. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This is disappointing because I have been paying Identity IQ to get a report every month and I have been disputing fraud account on my credit report all this time. XXXX of the staff told me to visit https : //www.ftc.gov/ and Report the Fraudulent account and have it BLOCKED OR REMOVED from my credit file. Ive attached a copy of the identity theft report ( FTC report # : XXXX ), and guess what I found? Per Fair Credit Reporting Act Section 605B ( a ) the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within XXXX business days with ( XXXX ) appropriate proof of thief identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer.
Product: Checking or savings account

Hello, I opened a CITI bank account package on XX/XX/XXXX and made the complete deposit of {$15000.00} on XX/XX/XXXX and I had maintained it for 60 consecutive days till XX/XX/XXXX, and I also set up a direct deposit which made me eligible for {$100.00} bonus, so total {$500.00}. I was told numerous times that I met the requirements and my bonus will be deposited within 90 days after meeting the requirements. Yesterday was when the 90 days were up. A couple weeks before that, I talked to one of Citibank supervisors to check on dates of when Id receive the bonus ( different reps would tell me different dates ) and he confirmed the dates for me. I also asked him how I can avoid a monthly fee if I want to move my money. He confirmed that switching to basic package would do it and having direct deposit set up. So we switched. After that I talked at least to two other reps and they confirmed my bonus dates. I called in today and Im being told Im not eligible for the bonus since I switched. 
Im very confused. Just a couple days ago Im assured I will receive the bonus, and now today Im being told something different.