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

I do not have and have never had an account with XXXX. XXXX is now reporting this debt to XXXX XXXX. I do not own a home nor do I rent, and it is impossible for this bill to have been mine. Someone must have used my information. 

I am demanding that I be sent the original documentation that has the account information so that I may file a proper police report.

The account was opened XX/XX/2017. 
Company : XXXX Balance : {$1400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit XXXX XXXX XXXX XXXX XXXX XXXX XXXX to file a report and Per FCRA XXXX XXXX Credit Reporting Agencies are required to remove/block any items 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 items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Original XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$460.00} ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/2022 According to FCRA XXXX XXXX ( 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 XXXX XXXX XXXX after the date of receipt.
Product: Debt collection

On XX/XX/year>, I requested from Jefferson Capital System LLC proof of the Debt by mail with a certified return receipt. this is my first attempt. My recent request was for evidence of the debt, account statements, verification of assignment, and a detailed breakdown of charges and their license information.
Product: Credit card or prepaid card

I OREERED A STOVE RANGE ON THIS CARD I HAVE NOT RECEIVED IT HAS NOT BEEN DELIVERED. I TRIED CALLING THE COMPANY ( XXXX  ) WHERE I PLACED THE ORDER, COMENITY BANK HOLD THE CREDIT CARD ACCOUNT. I CALLED TO DISPUTE THW CHARGE AND THE BANK IS VORRIED ABOUT A MIDDLE INITAL SOMETHING DON'T SHOW ON THE PAPER CARD THEY SENT ME,
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX and XXXX of 2020, I filed a dispute with this credit bureau about the unverified account XXXX XXXX XXXX Account number XXXX. In those 2 months I have asked numerous times for a response into their investigation and I have not received anything in response from this bureau in over 2 months.. So now I'm contacting the CFPB to step in and help me get this issue resolved because I have not received a response from this company about this unverified account as of today. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently filed a dispute on XX/XX/2020 yo all 3 credit bureaus about the inaccurate information on my credit report. I have XXXX XXXX and The collection agency reporting on my credit report for the same collection balance. If the credit bureaus are getting the information from the creditors how can it be reporting differently. There should not be both the creditor and the collection agency reporting for the same collection as this is inaccurate information and it needs to be removed from my credit report. Please see attached documents of proof of the inaccurate information being reported. What the credit bureaus also tried to do was update the information which should have never happened because I have proof the the information was inaccurate with the account status. It should have been removed as this was inaccuracies reporting on my credit file. 

* If you look a the smart credit you will see when the account status showed different for the different credit bureaus. 

*If you look at the most recent credit report you will see that the information has been updated. 

Two Different companies reporting the same information please remove those accounts immediately.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX Collection Agencys XXXX XXXX XXXX XXXX XXXX, Indiana XXXX RE : XXXX I am writing in regards to the above-referenced debt to inform you that I am disputing this debt. Please verify the debt as required by the Fair Debt Collection Practices Act. I am disputing this debt because I do not owe it. Because I am disputing this debt, you should not report it to the credit reporting agencies. If you have already reported it, please contact the credit reporting agencies, inform them that the debt is disputed, and ask them to delete it from my credit report. Reporting information that you know to be inaccurate, or failing to report information correctly, violates the Fair Credit Reporting Act. Finally, please note that I do not wish to receive further telephone calls or letters concerning this debt that I do not owe to your client. The Fair Debt Collection Practices Act requires you to respect this request. See 15 U.S.C. 1692 ( c ). Thank you for your attention to this matter.
Product: Debt collection

In XXXX, I enrolled for a XXXX XXXX  class at XXXX University to advance my career. My employer at the time had agreed to pay for this course but along the line, before the commencement of the classes, they decided that the class did not align with the company 's need at the time. Unfortunately for my family, at this same time, my sister was going through a rough divorce decided to move in with me to escape domestic violence. In order to ensure she wasn't relying on government handouts/assistance, I had to realign my personal costs and needs to accommodate my sister and her newly born child. 

My experience from attending Ohio XXXX University is that one has to pay for their classes by the first week of class otherwise such person will be automatically dropped from the course. I thought the same applicable to this University. At least so I thought, I believed everything was fine until I received an email from an advisor stating the professor of the course noticed I had not been in class for the first 3 weeks. I sent a reply to the advisor informing her that I could no longer attend the class because I could not afford the cost. The advisor then told me to withdrawal from the class and send an appeal application to the office of registrar for tuition reimbursement. 

I honestly wondered why I needed to appeal for tuition refund for a course I never attended nor paid for. But because the advisor said it was the process with them, I had to follow it and do it. 

I submitted my Withdrawal reimbursement application to XXXX University and never received a response from them. I called several times and sent email but did not receive a response about my appeal. 

One year later, I received a letter from a debt collector called XXXX XXXX  stating I owe XXXX University a sum of about {$2000.00}. I sent all my evidence and communications with XXXX University to XXXX XXXX and they stopped contacting me. 
Now two year later, I received a letter from another collector Todd, Bremer & Lawson , Inc dated XX/XX/XXXX that I owe a total amount of {$4000.00} to XXXX University Tuition & Fee. I believe XXXX University is trying to extort me and I can not allow that to happen. I never attended any class and do not owe any amount to XXXX University. They are trying to switch collectors in an  attempt to scare me into paying what I do not owe to them. The university registrar has never responded to any appeal or emails for the last 3 years. 

This claim with Todd, Bremer & Lawson is under the Account XXXX XXXX. The letter states to notify Todd, Bremer & Lawson , Inc 's office within 30 days of receiving this notice in  order to dispute this debt. I have written and sent a certified mail to Todd, Bremer & Lawson , Inc. informing them that I do not owe any of this amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to request a security freeze be on my Consumer Disclosure report. I choice to opt out of your disclosing future information until further notice including the XXXX . report and other furnished Lexis Nexis regarding all personal information of mine. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Credit Report Act youre required to comply. the following address need to be removed from my report and file : XXXX XXXX XXXX XXXX, XXXX, AL XXXX XXXX XXXX XXXX XXXX, XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX  XXXX, XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, MS XXXX XXXX XXXX XXXX, XXXX, MS XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, AR XXXX XXXX XXXX XXXX, XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX MOVED/NO FORW AVAILABLE, XXXX, AL XXXX XXXX XXXX XXXX, XXXX, AL XXXX
Product: Debt collection

I lost my job in XXXX of XXXX. I was on XXXX all of XXXX. 
I had major XXXX XXXX on XX/XX/XXXX. 
Went back on XXXX XXXX of XXXX. Currently on XXXX. 
Former employer paid out a settlement in XXXX of XXXX. Termination due to physical inability to work. Injury settlemets are also exempt from a levy. 
On XX/XX/XXXX, Bank of America levied {$32000.00} from primary checking account. B of A was represented by XXXX XXXX XXXX Law firm : XXXX XXXX XXXX, Building XXXX XXXX XXXX XXXX, CA XXXX Phone Office ( XXXX ) XXXX Fax ( XXXX ) XXXX. 
I submitted an exemption claim within the allowable time frame. 
My exemptions were : 1 ) Currently on XXXX 2 ) Funds in bank account primarily generated from XXXX insurance. 
3 ) Injury settlement with former employer 4 ) Financial inability to pay bills, support XXXX young children. 

XXXX XXXX XXXX objected to my exemption claim. They won't return funds to my account at least until matter settled. I am almost at point where injury settlement funds have dried up, will be unable to keep up with bills, support family. 

Bank of America Legal Department refuses to have direct communication. 
I know I have met more than enough of the requirements for exemption status. XXXX XXXX XXXX elected to drag this out in the courts. 

I can't explain the physical and emotional distress this has caused. 

I know I accumulated the debt. Circumstances beyond my control put in financial distress. If I could pay off debt I would. For almost 3 decades I did business with B of A, always paying my card bill. They have the records. 

B of A credit card services increased by credit limit by {$30000.00} without a request from me. They did it when I should not have been extending my debts. I can't believe they can randomly do this. 

I am asking for help at a time my family could use the assistance.
Product: Credit reporting or other personal consumer reports

I submitted proof that I was making childsuport payments with my paystubs and they needed to stop the false inaccurate reporting they removed the account and put it right back account ending with XXXX balance of XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I am writing to update/correct my personal information on file with your company. 

Please update my address is XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Please update my name XXXX XXXX My only social security number is XXXX My only correct date of birth is XX/XX/1977 I do not wish to have any telephone numbers on my report. Please remove all the other addresses off my report as they as they are not deliverable to me by the U.S post office and they are not reportable as per the FCRA, since they are inaccurate.
Product: Checking or savings account

On : Friday XX/XX/2021, I try to get a Receipt of how much Balance I have on my Checking Account. I couldn't get it, at all!
Product: Credit card

Citi Bank Costco Card - Customer Since XX/XX/XXXX Citi Bank Notified of Account Closed - XX/XX/XXXX After making a large payment towards the card, the bank closed my account. I was told that due to autopay not working my card was closed. I explained the money was in my savings and that it was charged to my checking account instead. 

Appealed Citi Bank for Account to be reopened - XX/XX/XXXX I appealed to the bank explaining the issue and that I could provide a bank statement showing the amount of money in my bank account which was XXXX greater than the amount owed to the card. 


Citi Bank Re-Affirmed Account Closure - XX/XX/XXXX The bank reaffirmed its decision without any clear explanation and gave no reason. I have to believe that due to my race and name in the account, they did not believe my account funds were real. I always made timely payments and used the card for points at my local wholesaler XXXX.
Product: Credit card or prepaid card

I live in XXXX, Massachusetts and someone in XXXX, North Carolina has opened a Bank of America credit card in my name. The account is XXXX past due with a balance of {$4600.00}.
Product: Mortgage

I was attempting to pay ahead on my monthly XX/XX/XXXX Loan payment with partial payments through out the XXXX XXXX XXXXXXXX ( smart way to reduce interest ). I paid {$220.00} on XX/XX/XXXX, {$200.00} on XX/XX/XXXX, and was going the pay the XXXX XXXX. I only saw my {$220.00} payment applied as principal and my XX/XX/XXXX was never applied. 

I reached out to them on XX/XX/XXXX requesting that they reapply my XX/XX/XXXX payment and advise that my XX/XX/XXXX payment was never applied. 

They told me that they don't accept partial payments ( loan is current ) and that they returned my {$200.00} payment from XX/XX/XXXX ( not yet credited to my bank account ). 

It seems illegal for a mortgage company not to accept partial payments on a current loan. 

Can you help?
Product: Credit card or prepaid card

XXXX, MI XXXX I NEED TO SEND DOCUMENTS IN TO HAVE MY 3 ACCOUNTS OPENED. 1 CREDIT CARD, 2, 2 OVERDRAFT LINES. 
CALLED and left two messages for XXXX XXXX at XXXX ext XXXX. 


XXXX XXXX XX/XX/2019 XXXX XXXX XXXX. XXXX XXXX, MI. XXXX Office of the Vice President, XXXX XXXX XXXX VIA : Consumer Financial Protection Bureau Application IDs : XXXX and XXXX To a materially interested party, I am requesting Applications ID : XXXX and XXXX to be pushed through. I have no derogatory information in my file with XXXX, XXXX nor XXXX. As of XX/XX/2019 I have a FICO of XXXX with XXXX. I hope we can come to a peaceful resolution against your party without future complaints and if required potential litigation and change of venue if your party requests for my simple two checking accounts with a {$500.00} overdraft protection limit on each and minuscule credit card line.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end account under an open end consumer credit plan as a late for and purpose.
Product: Checking or savings account

I deposited a check through Bank of Americas app for {$3000.00} at XXXX on Tuesday XXXX. Once I submitted the deposit, it told me that funds will be available on XXXX the next business day and anything that posted overnight will be covered. They credited my account, however, they took all the money back for the deposit on XXXX, so I have a transaction from the bank deducting {$3000.00} from my account, also giving it a new post date of XXXX XXXX. The check I deposited was written from prosperity bank, and a family member had written the check to me and the funds cleared their account the day I put it in XXXX. I had made my rent payment on the XXXX, and now my rent payment has bounced, and my landlord is threatening eviction, plus a {$15.00} per day late fee. I cant do anything, my account is overdrawn {$3000.00} now even if someone were to learn my money, the account is so far negative nothing will help this is absolutely wrong. I know theyre holding the money to collect interest on it to help their market shares, rebound, extremely misleading, and I took screenshots of what it stated under the deposit that I made on the mobile app saying that would it be available on XX/XX/12. I understand larger checks only releasing a certain portion, but the account holder who wrote me the check, their account was in good standing, and their bank paid Bank of America for the check the very next day why dont I have access to these funds? Is Bank of America going to pay for me to move if I get evicted or are they going to pay the late fees per day that I have to pay because my little rent is late? Ive called multiple times and they say theres nothing they can do at all theyliterally my hands are tied. I have no money for anything, and since Bank of America does not do overdraft fees, I have no money for even food or water. Seriously, this is not OK. The money has already been paid to the bank. I dont get why they will not release it to me into my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several time I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX, XXXX XXXX XXXX XXXX XXXX {$0.00}, XXXX XXXXXX/XX/XXXX, XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I lodged a complaint with these Bureaus a XXXX ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the XXXX, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than XXXX days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Product: Vehicle loan or lease

I have an auto lease with JP Morgan Chase Auto Finance, and there have been numerous issues now with the lease process, starting with a defective vehicle and it ultimately being replaced 1.5 years into the 39 month lease. 

Towards the end of the lease ( last few months ), the vehicle was involved in an accident. XXXX said they would cover the full extent of the damage. I then went to an auto body shop and several others, who stated that the parts would not be able to arrive for months to come. 

I returned the vehicle to the dealership, since it would be unusable until fixed, but by then the lease would be up. I explained to them the situation, and they accepted the vehicle from me. Months later, I get a call from Chase asking why I haven't been making monthly payments. I stated that I returned the car to them months back. They did not have ANY RECORD of receiving the car. They then proceeded to tell me that I would be responsible for the full value of the car ( $ XXXX ) since they didn't have it. Weeks went by, and then another call came in saying that they were going to move forward with litigation since no one had the car, aka accusing me of keeping the car. 

Finally, a body shop calls and says " Is this your XXXX XXXX? It was sent here from a XXXX / Chase / XXXX and it's just sitting here. 

After they found it, they said that everything is all set, and apologized for everything. 

Months later, they're now calling me weekly to say the collections process is ongoing, that I owe $ XXXX to them. I have never received any notices, mailers, final bills, or anything despite me asking for it. I stated that this is a violation of the CFPB protection regulations, to which they did not care and said the collection efforts would continue. Despite stating clearly that I dispute the validity of this debt, they continue to call and attempt to collect. I have recorded these calls with their supervisor as well, and can provide them as needed. 

I will take legal action on the offensive, should I be contacted again and this matter not dropped dead here.
Product: Debt collection

PHNX FINAN is claiming that I owe them {$150.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.
Product: Bank account or service

I opened a Citigold account in XXXX 2016 under a promotion. The promotion was verified via verbal and written communication with Citi representatives multiple times in XXXX and XXXX. I also verified via verbal and written communication with Citi representatives that I met the requirements to receive the promotion in XXXX. I was asked to wait 90 days after meeting the requirements for Citi to honor their end of the agreement. After waiting for 90 days and not receiving my bonus, I contacted Citi. They are now claiming that I do not have a promotion on my account and are refusing to honor the promotion, despite me providing them with the written correspondence from previous months. An " investigation '' was opened by Citi and they continue to deny my promotion despite the evidence. Citi has taken my money and time based on promises that they are no longer honoring. This is unacceptable.
Product: Checking or savings account

I have sent multiple emails and requests to wells fargo asking for disputes to be opened up for fraud that has happened on my account. Wells fargo will not return my email or phone call. I have sent multiple letters and faxes to their disputes dept and they will not respond. This is ridiculous. 

I have copies of the letters, faxes, emails i have sent to them with no response. I have also included the police report and they just closed my accounts and will not communicate with me.