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

The date of my first letter was XXXX. I sent a letter regarding inaccurate and unknown things on my credit report. I want the erroneous, inaccurate, and incomplete items on my report to be deleted immediately. 

I assure you that it was in fact me who filed my complaint due to the negligence your company has shown in reference to my credit report and my complaint.. In fact if you do not honor my original request to delete the items contained in my previous letter, dated XX/XX/21 sent via certified mail, I will file a complaint with the Federal Trade Commission against your company as well as seek legal council for damages for the XXXX XXXX  and emotional XXXX XXXXour company 's negligence in reference to this deformation to my reputation due to your false report. 

This is my 2nd and final attempt to get this matter resolved. Any further attempts will include additional complaints to the XXXX  FTC as well as my States Attorney General 's Office. 

You have had more than 30 days to complete your investigation, and you have failed to respond with in that given amount of time. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well. 

I insist you finish your investigation immediately by deleting the items in question and sending me a free copy of my credit reporting showing the changes have been made.
Product: Credit card or prepaid card

I called numerous times for the last month in a half to have my relia card unlock. My card was locked on XXXX XXXX2020. I called and told them I was in Florida and they were supposed to put a travel exemption in so I can use my card and they didnt. They locked my card. They told me I need to send in a valid iD which I did over 5 times. Then they told me I needed to send in a Pennsylvania ID I did that as well and they still wont unlock my card. Every time I call to see whats going on they get rude with me and hang up. I was told it take 3-5 days to get my fax and its been way over that. I cant pay my bills or get my medicine because they have my card lock and they have all the information they need. I stay on hold for 3-5 hours only for them to keep hanging up on me.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality. 
Agency : XXXX, XXXX and TransUnion Account Name : XXXX XXXX  XXXX XXXX Account number : XXXX This account has violated my rights under these federal laws : * 15 usc 1681 section 602A states I have a right to privacy.

* 15 usc 1681 section 604a section 2 states a consumer reporting agency can not furnish an account without my written consent and instructions to that consent.

* 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information, these companies have broken this law without my consent.

* In addition, under congress law 15 U.S. Code 6802A, 15 U.S. Code 6802B, & 15 U.S. Code 6802 B ( opt out ) part 1a, b & c, it details my rights as a consumer in which I was not granted these rights.

* Late payments are illegal according to 15 usc 1681a ( 2 ) ( a ) ( i ) Because of that, I want these accounts immediately deleted off my credit report with all consumer reporting agencies.

Attached are copies of their violation of my rights : XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX XXXX XXXX
Product: Prepaid card

I file a dispute on XX/XX/2023 in the amount of {$1700.00} that where unauthorized transactions. I didnt not make any of the transactions on the account I havent heard anything back from the bank Netspend back since I file the claim. Not a call or email from them I was supposed to receive a credit or my money back on XX/XX/2023 but just not through the app I saw it saying my claim was denied no reason why not investigated at all! I didnt not make any of those transactions at all I just want my funds back please
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX of 2020, I checked my credit score to gage the health of my credit when I found that an auto lease was placed under my name. I did some research and seeing that the companies name is XXXX XXXX XXXX. I found out that it belongs to a family member with a similar last name as me. I reached out to both the family member and the XXXX XXXX XXXX in XXXX to rectify this issue but it has not been removed from my credit profile. Please help me in solving this issue. Thank you in advance!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have to file a complaint with Equifax, XXXX  and XXXX. I have called placed numerous alerts on my credit profiles. I have explained that there has been fraud on my accounts over and over. I have had fraudulent accounts removed only to have the accounts added back. According to the FCRA, I was to should have been notified, there hasn't been a validation of debit even without numerous disputes asking for verification. I have received nothing. I called and advised of the difficulties this has caused. I have had the same collections removed and added back without proper notification. I am asking that the accounts be removed. I have also enclosed proof of the 3 collections, one collection is a medical bill, this violates HIPPA as there are different laws that state medical information can't be shared, and this is direct violation as it listed the bill as XXXX XXXX, without proof this belonged to me. Next, their is a service listed for XXXX XXXX, under XXXX XXXX, this has been removed twice only to be added back, without notification of attempts to place the debt back on my credit reports, this is direct violation, once it has been removed, there has to communication or writing before this can be placed back, this hasn't been done. I am asking that this be removed once more. I have reached out to each bureau and asked that this be validated and nothing. That is another violation. Just stating updated doesn't validate, there has to be proof. All XXXX agencies use their 30 days to wait only to return validate without proof or actual description other than " agency validate '' This alone would require that the debt be removed. Lastly, according to the FCRA whoever this debt belong to once the original creditor dismissed this debt, it's unfair practice to place this one my credit report, as this hasn't been proven it belongs to me. The collection agencies should have notified me, the law states it must notify me within 30 days before being placed back on again this was not done. The resolution I am seeking is to remove the collection as each agency has violated my consumer fair credit rights. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

This credit bureau has committed a violation of the Fair Credit Reporting Act by re - aging an old account that has been reported on my account inaccurately. That account is a XXXX XXXX XXXXXXXX account that has been reporting on my credit. They had re - age a XXXX XXXX XXXXXXXX account that is reporting on my credit report. When I log into my Equifax account its says that the XXXX XXXX XXXX account is 1 year, 3 months and 14 days old and this is false. I have enclosed a copy of my credit report with the XXXX  XXXX XXXX account for all to see. Kindly see the file attached It is illegal for any credit bureau to re- age any account and it is a violation of the Fair Credit reporting act. I therefore ask you to delete XXXX XXXX  XXXX from my credit report due to this Fair Credit Reporting Violation. A failure to do so will give me legal rights to take action against your company for violating my rights under the Fair Credit Reporting Act.
Product: Credit card or prepaid card

The company is Bank of America ( BOA ), and my BOA issued debit card was used for withdrawals between XXXX and XXXX, for a total of {$990.00} ( see below ) We did not make these withdrawals and we reported the debit card as stolen to BOA on XXXX, and received a new one. After crediting the {$990.00} back to us, BOA has since researched the fraud claim and denied twice and intend to reverse the credit ( most recently in a letter dated XXXX XXXX Their reason for denial is " the charge was authorized by you or someone who has permission to use the account. '' As a 30 year XXXX customer in good standing, with no history of aberrant behavior, and credit score of XXXX, there is no precedent for my wife and I to act in fraudulent manner. We are scammed, and the scammers withdrew amounts below our trigger level for BOA to check validity of a transaction. 
the claim # with BOA for our reporting of, and their response to, the fraud is XXXX We enlist your help to work with the bank as we should be protected against fraud by BOA. 

we can provide claim numbers and personal details if necessary XXXX XXXX ATM XX/XX/XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$200.00} XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX # XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX MD {$200.00} XXXX XXXX XX/XX/XXXX # XXXX WITHDRWL XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX {$200.00} XXXX Hideadditional information foractivity type withdrawal XXXX XX/XX/XXXX # XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$22.00} XXXX XXXX XX/XX/XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX$180.00} XXXX XXXX XXXXXX/XX/XXXX # XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$180.00} total {$990.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, IL XXXX XX/XX/XXXX, Subject : Dispute of Inaccurate Information on Credit Report Dear Sir/Madam , I am writing to dispute inaccurate information contained in my credit report. As per the Fair Credit Reporting Act ( FCRA ) under Section 611, I am requesting an investigation into the following erroneous items on my credit report : 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 I believe these entries are incorrect because these accounts were, paid-off debt not reflected, account not mine, incorrect balance reported, etc. ]. 

Per FCRA guidelines, I respectfully request that you investigate these discrepancies and remove the inaccurate information from my credit report. Please provide me with a written explanation of the results of your investigation. 

Thank you for your prompt attention to this matter. Please inform me of the actions taken within the 30-day investigation period, as stipulated by FCRA. 

Sincerely, XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Deposited business check of {$20000.00} into personal check account at B of A on XX/XX/year>. Bank placed XXXX hold. Check cleared same day. Bank refuses to remove hold.
Product: Debt collection

I was notified about a debt through a lawsuit. There is no information provided about the debt owed. After a review of medical bills and health insurance records, I find no debt owed to the XXXX. Now, this debt collector is threatening me with legals fees and seeking a settlement. The alleged debt owed is {$570.00} and a lawsuit is a very heavy-handed approach. I'm not an attorney and it's costly to hire one for the amount in question.
Product: Checking or savings account

I have had an account with BMO since XXXX of this year with numerous issues of delaying access to my funds. The most recent mistreatment to me was with BMO freezing my account after I deposited 2 valid and legal checks at the tell window that I earned legally with my company. This check was for a large amount ( {$100000.00} ) but I was not told prior to depositing the check that there would be a 7 day business hold on my check. Two days later my account was also frozen without notice. BMO said they sent a letter but this is unacceptable as freezing a business account isn't something that shouldn't be taken lightly or an owner shouldn't know about immediately. They requested ownership documents linking my name to the business, which I already provided when I opened the account. They informed me they did not have these documents to refer to. I now have to call several vendors and tell them not to cash checks for payment that is due from my company. This damages my business reputation and I am being penalized while doing nothing wrong. The checks are legal and earned legally and written out to my company. I have had transactions related to this business paying vendors for over 4 months with other large transfers into and out of the account. The issuer of the check is a large publically traded company who vetted me and my company as well. My business produces and sells crude oil and these transactions are normal for this type of business and production level. They informed me this freeze may last 30 days which is completely unnecessary and shows no regard for my business or reputation. My legally earned funds are being unjustly withheld for an excessive amount of time for no good reason. Please help
Product: Mortgage

I applied for the XXXX program to help assist me with my loan payments on my mortgage and I applied on XX/XX/2022. I received notification from the XXXX program that they have been waiting on my mortgage lender to enroll with their program so that they may receive the assistance for me. I am in a deferment period that is about to expire. I have left 5 different messages and complaints and I have emailed in a complaint. I have gotten no where with Finance of America Mortgage Company on this issue. The XXXX program still says they are waiting on my lender and they are not cooperating
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Credit Cards Ending In : XXXX & XXXX XXXX XXXX XXXX Cards Ending In : XXXX & XXXX XXXX XXXX XXXX Card Ending In : XXXX There are no balances owed on any credit cards
Product: Debt collection

So, XXXX XXXX illegally sold my PII and I have reason to believe these accounts were fraudulently opened by someone a in their XXXX operations. I call LVNVs toll free number and am connected to someone in XXXX. Why is my PII in a foreign country without consent or knowledge? Why do you continue to outsource positions that involve PII to oppressed countries where people are begging for opportunities to assume someone's identity and move to this country? XXXX then sold my account to someone named XXXX XXXX and XXXX. Ive NEVER had any business with any of these companies and only learned about it when I was harassed at my personal residence for a month and a half. I do not open my door unless previously announced for safety reasons. Why does my ex husband now have my address since XXXX XXXX sent my PII, unsolicited through unencrypted email. Nobody has provided proof that the letter was even sent. Where's the receipt from USPS mail confirmation receipts? I called every single merchant on the bills and not a single one could provide me any signatures on these accounts. XXXX XXXX has failed to provide me a signature.
Product: Debt collection

I received another attempt to collect a debt which they can not validate. They sent a contract on XX/XX/XXXX dated XX/XX/XXXX that is unsigned. Nobody has provided evidence that I agreed to repay the price of a phone that XXXX provided free of charge. In fact, the bills provided show that the cost of the phone was waived in every billing cycle. Providing a bill or an unsigned contract does not validate that I agree dto a debt. The collections agent argued that the terms of service mean I agreedd. The terms of service I signed when I started with XXXX in XXXX do not mean that I agreed to every document they [ put into my account. There has been no evidence provided by XXXX or RPM evidencing that I agreed to repay the full price of the telephone should I discontinue service. Still waiting on a signed agreement for validation. An unsigned mortgage document would not constitute validation of debt. Unsigned " contract '' document provided for validation is attached here.
Product: Payday loan, title loan, or personal loan

Letter sent to Rise Credit on XX/XX/XXXX, which is the 2nd attempt to fix this problem : Attn : Customer Support XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone ( XXXX ) XXXX Fax ( XXXX ) XXXX Re : Loan # XXXX ; amount {$1900.00} Facts of Concern : 1. This is not a case of theft or fraud, because there is no evidence in my credit file or problems with any creditors that would indicate that either my identify or credentials have been compromised or breached. 
2. I never applied for a loan in the amount shown above ( {$1900.00} ) at any time. 
3. I will provide Rise Credit with any documentation upon request that is needed to expedite resolution of this matter. 
4. I have been paying on Loan # XXXX ( unknowingly ) which was [ erroneously ] assigned to me by Rise Credit since XX/XX/XXXX. 
5. Rise Credit knows that Money Movement between accounts of interest [ points of exit and entry ] is easy to track and trace. 
6. The funds were never deposited into any of my bank accounts. 
7. Rise Credit can not provide me with a 'Consumer Loan Agreement ' for funds that I requested and verified by any form of signature in XX/XX/XXXX.. 
8. Rise Credit owes me a full refund of all principal and interest payments that I made on [ Loan # XXXX ; amount {$1900.00} ] immediately. 
9. Rise Credit should remove any and all negative statements ( i.e. Lates, Write-off ... etc ) that they have sent to any of the 3 Credit Bureaus Associated with Loan # XXXX immediately. 
10. Upper Level Management ( High Pay Grade ) needs to conduct an investigation of this complaint to determine the cause of this significant Accounting Error ( i.e.Ethical/Moral misconduct of a Rise Credit Employee/Employees versus an unintentional Data Entry Error by any Rise Credit Employee/Employees ). 

Please be advised that I am forwarding a copy of this correspondence to both my attorneys and to the Consumer Financial Protection Bureau today. 

Your expeditious attention to resolving this credit dispute shall be greatly appreciated. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

On the XX/XX/XXXX, I received a letter from the XXXX XXXX XXXX XXXX   claiming to represent a company called XXXX XXXX. My only connection with this company was XX/XX/2017 when I paid them a security deposit of {$170.00} as required by the " XXXX XXXX XXXX '' apartment complex for the apartment XXXX on XXXX XXXX XXXX. I fullfilled my one year lease and terminated it my lease directly after the end of the year. I was already in living in Maryland and received a call from the XXXX XXXX XXXX  manager about submitting my proof of lease insurance. I verified with them that I was no longer a resident of the property and turned in keys and fobs to the management. They said they were going to correct their files and apologized for their error.

Now in XX/XX/XXXX, I am receiving this notice out of nowhere.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account XXXX Account XXXX : XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXXXXXX XXXX XXXXXXXX has violated my rights. Or list of inquiries 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 card or prepaid card

Recently Nevada unemployment changed their prepaid debit card provider to way2go card provided by XXXX XXXX and I've had nothing but problems with it.

1. They state that you can withdrawal from any XXXX or XXXX ATM fee free but several ATMS I've tried on their list all say I'll be charged by both the ATM and way2go.

2. It says that you can get cash back at the store also fee free but it either doesn't give you that option when checking out or they charge you to get cash back.

3. You can't pay any legitimate bills with this card even though there's sufficient funds to cover what I'm paying. I've tried paying for my car payment and a loan payment I have but it won't take this card.

4. You can't get through to anyone when you call the numbers provided. I've called several times and each time I'm on hold for hours and no one ever answers. I have no idea why Nevada chose to go with this prepaid card instead of allowing direct deposit like every other state.
Product: Mortgage

I had my original loan with XXXX along with a XXXX mortgage, and when the financial crisis hit I was no longer able to meet payments. Instead of opting the foreclosure route, I decided to pursue a short sale. Upon notifying XXXX that a short sale was being pursued, they began servicing my XXXX mortgage at Greentree. In XXXX 2011, my condo was closed as a short sale and I gave up my home. Both Greentree and XXXX accepted settlement payments to facilitate the short sale. Greentree continued to call me for payment after the short sale was completed, sometimes XXXX times per day while I was at work. I was n't always able to answer, but I did my best to communicate to them that the property was short sold. They told me to borrow money from family, put it on credit cards, etc ... I did n't have the money to pay, but they continued to call. 

Now, They have hired attorneys to sue my in county court. I am due to be present this Wednesday at XXXX. I have been trying to get my life back together since I lost my house, and this would devastate me. 

I had opted the short sale route, because everyone I spoke with said that was more responsible than just walking away and letting it fall into foreclosure.
Product: Credit reporting or other personal consumer reports

XXXX XXXX and XXXX  XXXX is illegally reporting payment transactions on my consumer reports in Experian, XXXX and XXXX .Below are the accounts I'm referring to : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX Past due : 30 Days Date : XX/XX/XXXX Experian XXXX XXXX Accoun # XXXX Past due : 30 Days Date : XX/XX/XXXX XXXX XXXX XXXX XXXX  Accoun # XXXX Past due : 30 Days Date : XX/XX/XXXX XXXX  XXXX Accoun # XXXX Past due : 30 Days Date : XX/XX/XXXX XXXX
Product: Credit card

Well Fargo fraud department is getting completely ridiculous after XXXX months. I can never get hold of My case workers, no extensions left on voice-mails and ger excuse, after excuse. I was told Friday to wait until Tuesday to get notified by some XXXX? Don't know a XXXX, I don't want XXXX on any case. Then told some XXXX called me at XXXX XX/XX/XXXX, left voice-mails but nobody can find her, what the heck wells fargo. This company still owes me refunds in unauthorized payments from XXXX XXXX to present. See no change, I never opened any accounts with company