23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Okay. My XXXX in XXXXXXXX XXXX, had a credit card with BOA for many years, a card ending in XXXX. He died on XX/XX/XXXX, and all of his mail was forwarded to me in XXXXXXXX XXXX. He had no estate and no money, so his attorney told me not to pay any of his bills or credit cards. 

The BOA statements started arriving at my home in XXXXXXXX XXXX name. Then they started arriving with his name AND my name underneath his. By XXXX statement, it was solely in my name. On XX/XX/XXXX, the account number changed to ending in XXXX. ( Today, BOA said, for the first time, that the XXXX had been reported as lost or stolen, but that's a lie : XXXX was XXXX, and I still have the XXXX card in my possession. ) Anyway, I talked to no avail with many people for untold hours on the phone, Then, since even the BOA employees with whom I met in person had absolutely no idea what to do, we decided to file a fraud claim. At first it was denied because, get this, they said it was " family fraud : '' by whom? A XXXX man? I resubmitted the claim. 

Then, the letters from BOA became insistent that if I didn't pay off the card by the end of XX/XX/XXXX, they would create a XXXX and that would affect my credit rating. So I went to a branch and paid the $ XXXX just be be done with the stress and aggravation. 

Then the XXXX statement arrived and showed a credit of {$16000.00}. They had paid the claim and reimbursed me. So it's not that I didn't get back my money. But I believe that they were fraudulent in handling this whole situation, especially when they added my name to my XXXX XXXXXXXX XXXX card and then changed the number. There is no physical card ending inXXXX.
Product: Debt collection

I have reported it to the credit Breau I never had an account with this company. I have requested them to stop but they continue to call, daily.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a XXXX student that will be attending XXXX XXXX XXXX in XXXX. I was approved for a XXXX XXXX loan through XXXX. However, when I tried to get a small private student loan from Sallie Mae, XXXX reported to Sallie Mae that I have student loan delinquency. This is not correct, I have confirmed this with my servicer XXXX and XXXX. When I called XXXX to get information they told me that they could not provide who is reporting the delinquency and I am not showing any other servicer or delinquent account anywhere. This has caused me to be denied for my private student loan and now have to wait before I can apply again because I have no way of trying to obtain a private loan until XXXX is showing accurate information. I do not have any delinquent student loans and I only have one servicer, XXXX, who has confirmed my information as in good standing.
Product: Credit card

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found an item on the report that was inaccurate. The account in question is listed below. Please send me copies of the documents that vow have in our files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. Please don't respond to my request by saying that this account have been verified. Send me copies of the documents that you have in your files that were used to verify it. If you do not have any documentation in your files to verify the accuracy of the disputed account, then please delete it immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( ). By publishing this inaccurate and unverified item on my credit report and distributing it to 3rd parties you are damaging my reputation and credit worthiness Under the FCRA 15 U.S.C. 16811, all unverified accounts must be promptly deleted Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing this item removed. I demand the following account be properly verified or removed immediately.
Product: Debt collection

THERE SHOULD NOT BE ANY DEBIT. XXXX XXXX 'S HOSPITAL VERIFIED MY COVERAGE BEFORE i ENTERED THE HOSPITAL ... KEPT VERYFYING IT ON A WEEKLY BASIS TILL I WAS ADMITTED .... THEN THEY CANCELLED THE ORIGINAL DATE ... THEY MOVED IT TO A DATE WHERE MY OLD INSURANCE WITH XXXX XXXX. I TALKED TO ADMITTANCE TOLD THEM MY DATE WAS BEFOR AND THEY KEPT CHANGING IT. SHE SAID EVERYTHING WILL BE FINE. LEGAL ACTION IS BEING PREPARED TO BE FILED AGAINST THE HOSPITAL THEIR BILLING DEPARTMENT AND THE 3RD PARTY COLLECTION AGENCY. UNDER THE FDCPA THEY Are to notify me in writing to this date no one has. they did call other family members threatened to sue me etc ....
Product: Credit reporting or other personal consumer reports

During the past two years corporations that I've been employed with XXXX XXXX and XXXX XXXX have been victim 's to cyber-attacks. As a result, I have identified unauthorized fraud inquiries on my credit that should be all removed. These inquiries appear on XXXX ( XXXX unauthorized inquiries ), XXXX ( XXXX unauthorized inquiries ), and Trans Union ( XXXX unauthorized inquiries ). I would like to request these inquiries be deleted off the above credit reports ASAP.
Product: Checking or savings account

On unsaid date in the latter part of XXXX, Bank of America unexpectedly closed my account due to fraudulent activity. Said bank made it where I was unable to gain access to the account. I had pending direct deposit coming on XX/XX/2023. I have was expecting to have access to my funds to pay my mortgage. On XX/XX/2023 I spoke with a representative who stated she would make a request for me to walk into the bank and obtain the funds. On XX/XX/2023 spoke with another representative who stated that request had been denied stated the account was pending closure on XX/XX/2023. I have bills that are now past due and are in pending status of being terminated due to none payment. This information was relayed to Bank of America and was told it was nothing they could do about it. My issue is as fast as they made the account unavailable to me, they should have refunded me just as fast.
Product: Credit reporting

I have disputed these collections several times with XXXX, Equifax and XXXX and they refuse to remove the accounts off of my credit report for the account numbers XXXX, XXXX, XXXX. I have advised all bureau 's that this hospital refused to use to pregnant medicaid provided to me by the state at the time of nmy XXXX and issued these medical bills through the employer I no longer worked for as i was too ill to work and terminated my employment. These medical bills were processed fradulently and I request that they are removed immediately. Medical covered for my XXXX medicaid provided by the state of florida can be verified through the state or as requested. I am requesting all late fees and all XXXX account be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had repaid XXXX University to a amount agreed by the school and myself. I made payment in full back in the early 2010. The accounts were closed and reported as paid as agreed to the credit bureaus. However, XXXX University has now filed both on my credit report as well as the US DEPT OF EDUCATION ESC as the account is opened with a new balance of {$4000.00}. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. This erroneous and fraudulent information is effecting both my job and career as keeping my XXXX clearance is needed for my position.
Product: Debt collection

Toyota Financial Services called my workplace and spoke to my co-worker and told him she was allowed to call me at work and that she was calling because I was behind on my payments on my car. The Representative 's name was XXXX and ID is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX submitting this CFPB complaint to you today to inform that I will be filing a lawsuit against the Credit reporting Agencies. For the last 4 months, I have been disputing for the correction of my Credit report by having the disputed items removed from my Credit report and yet they have failed to do so. Also, the Credit Reporting Agencies have been claiming that the disputed items are verified and are accurate per the Creditors ' verification, however, no matter how many times I ask for the Credit Bureaus to send me copies of proof of verification, they do not comply! I have had enough of their stall tactics and I am working with my legal team to submit a lawsuit against the Credit Bureaus. Under the Fair Credit Reporting Act, the Credit Reporting Agencies are required to investigate the disputed items and present the results of their investigation after 30 days. Five months have passed and the Credit Bureaus have been sending me nothing! I am disappointed at the Credit Bureaus, the agencies whom I thought of the one willing to help us consumers is the one making our lives miserable. This will be last attempt to contact the Credit Bureau via CFPB portal and in the event the Credit Bureaus do not comply with the requests, please understand I am only filing a lawsuit to protect my consumer rights. If it is not too much to ask, please have the following items removed from 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX discharged Reference # : XXXX
Product: Credit reporting

An XXXX report indicated that Equifax provided my credit information to " XXXX, XXXX XXXX XXXX, XXXX '' without my permission on XXXX/XXXX/15. " XXXX '' is actually " XXXX '', which apparently has a very long record of this behavior. Thanks for your assistance!
Product: Credit reporting or other personal consumer reports

Experian, and Transunion wont explain in detail how an investigation in detail was conducted as to verify my bankruptcy. These tactics has brought me to take these credit reporting agencies to court
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed an account against XXXX XXXX XXXX and their clients XXXX XXXX XXXX to TransUnion because the amount on my credit report is fictitious I was only ordered to pay {$1100.00} XXXX County Magistrate Court to XXXX XXXX XXXX I'm the docket number 2018 - XXXX XXXX I paid the amount directly to the original creditor XXXX XXXX XXXX with the understanding and agreement that they would have my debt deleted from my credit report or removed the amount that showing on my credit report is not accurate as well it is 4 times higher than what the court ordered me to pay and is hurting my credit Report
Product: Credit card or prepaid card

XX/XX/XXXX, wanted to make pmt on phone to Bank of America credit card for {$150.00} they took {$450.00}. A complaint already exist. Yesterday I get a call from BOA, a man saying he is my contact, and he will push to have refund by XX/XX/XXXX. In XXXX the last call made they said it was reported pm XX/XX/23 and would take 8 - 10 days. Now the XXXX of XXXX. I do not want a contact person. Someone needs to put a stop of this highway robbery. I need to pay my health insurance as I am XXXX I have XXXX. I am late on several bills now and this bank does not seem to care. I want my {$300.00} put back in my account, {$35.00} fee fro my bank for innsuficiant funds and since these people have so much money I would like {$25.00} for every day that they keep my money. They need to be fined and this meds to go to the media so everyone can be warned. 

XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Our lease was up with XXXX XXXX and we were finishing the final stages. According to the reports XXXX XXXX sent me personally : on XX/XX/XXXX we paid a payment of XXXX which XXXX told us was left owed as a deficit. That shows on the statement as bringing it to XXXX balance. On XX/XX/XXXX the bike was returned and it shows XXXX balance. It does not show a balance again until XX/XX/XXXX. Thats when I was sent a letter regarding an amount of XXXX and given till XXXX to review and call in and it has no actual due date. It also states on the letter that it had already been reported to our credit bureaus. On XX/XX/XXXX the bike was sold for more than assumed and it cancelled some of that balance leaving XXXX. And this is the first date this amount was shown. On XX/XX/XXXX my credit was reported 30 days past due with a past due balance of XXXX ( not even a balance on the statement ) which is only 10 days from the day the charges were added. It dropped my credit score 114 points XXXX says our account remained open and thats why it was reported past due, there was no balance to pay or report until XX/XX/XXXX and reported it over 30 days late 10 days later. Customer Service continues to tell me they will show the account paid/closed. That does not take this fraudulent past due report off and it will remain for 7 years. I have made that clear to her and explained that is not how credit works. She has ignored my requests for a credit contact and gives me the run around with reporting it PAID/ CLOSED. It is paid and closed I also want that incorrect past due off my credit. As of XX/XX/XXXX there was XXXX balance again. I have filed with the XXXX also and they responded with the exact statement aboce, which says I was never 30 days late but that is what was put on my credit report. It has dropped my credit 114 points and will affect us buying a house if not removed!
Product: Credit reporting or other personal consumer reports

Complaint Against LVNV Funding LLC c/o Resurgent Capital Services for Failure to Respond to Debt Validation Letter. 

Dear XXXX, I am writing to file a formal complaint against LVNV Funding LLC XXXX/o Resurgent Capital Services for their failure to respond to my debt validation letter dated XX/XX/2024. Despite my explicit request for verification of the debt, LVNV Funding LLC has neglected to provide the necessary documentation within the legally mandated timeframe. 

As outlined in my original correspondence, I provided LVNV Funding LLC with ample opportunity to furnish the supporting documents and probable evidence regarding the alleged debt referenced by account number XXXX. However, despite the passage of more than 30 days from the date of my initial letter, LVNV Funding LLC has failed to comply with federal laws governing debt validation. 

Their willful negligence in addressing my concerns not only violates my rights under the Fair Credit Reporting Act and the Fair Debt Collection Practice Act but also exacerbates the financial distress and emotional burden I have endured due to this unresolved matter. 

I urge the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate action to ensure that LVNV Funding LLC c/o Resurgent Capital Services fulfills its obligations under the law. Additionally, I request that the Bureau notify me of any updates or resolutions regarding this complaint.

The debt collector is in clear violation of the federal laws listed : 15 U.S. Code 1681b - Permissible purposes of consumer reports, 15 U.S. Code 1681e - Compliance procedures, 15 U.S. Code 1681i - Procedure in case of disputed accuracy, 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies 15 USC 1692b 804. Acquisition of location information, 15 USC 1692c 805. Communication in connection with debt collection, 15 USC 1692d 806. Harassment or abuse, 15 USC 1692e 807. False or misleading representations, 15 USC 1692f 808. Unfair practices, 15 USC 1692g 809. Validation of debts, 15 USC 1692i 811. Legal actions by debt collectors, 15 USC 1692j 812. Furnishing certain deceptive formsand shall be held liable under penalties of the state pursuant to 15 USC 1692k 813. Civil liability, 15 U.S. Code 1681n - Civil liability for willful noncompliance, 15 U.S. Code 1681o - Civil liability for negligent noncompliance.

FDCPA 809 ( b ), 15 USC 1692d 806, 15 USC 1692c, 805, FCRA 15 U.S.C. 1681c, 15 U.S.C. 1681e, 15 U.S.C. 1681i, 15 U.S.C. 1681n, and 15 U.S.C. 1681o, has resulted in significant harm to my financial well-being and reputation.

Please find enclosed a copy of my original debt validation letter sent to LVNV Funding LLC c/o Resurgent Capital Services for your reference.

Thank you for your attention to this matter.
Product: Credit card

I have a Customized Cash Reward Visa Signature card ending XXXX. 
I called the Boa customer service to close my credit card at the end of XXXX in 2023. 
The agent told me to give me the promotion bonus ( which is 2nd time bonus ) of {$170.00} if I spend over {$1000.00} within 90days to keep the account open. So I spent the money to get the bonus. 
After that, I did not get the bonus. I called the customer service three times to make sure I get the bonus. They said it is {$1500.00} to spend the money to get the bonus. So I did to make over {$1500.00}. They changed that amount or the first person gave me this promotion did make a mistake on the amount. But They said I met all the qualification to get the bonus. But never happened. This problem will not resolve until I have to complaint about this. I would like to get the {$170.00} promotion bonus. Thank you
Product: Credit reporting or other personal consumer reports

Ive requested that these XXXX accounts XXXX XXXX XXXXXXXX Account # XXXX and XXXX XXXX XXXX Account # XXXX on Experian be deleted for they are harming my profile with the negligence of inaccurate information being reported. Experian has failed to delete these XXXX accounts that is reporting inaccurate. According to FCRA 15 U.S.C. 1681 both XXXX XXXX XXXXXXXX and XXXX XXXX are reporting inaccurate payment history and Experian rebuttal was that the accounts were verified and accurate. Attached will be a letter requesting the verification of the information they are opposing to be accurate along with the payment history that both are. Also due to the response of Experian saying the account was verified and accurate they are in violation of FCRA 1681e for not ensuring that all information in my file is accurate and current.
Product: Checking or savings account

i am XXXX XXXX telephone XXXX i am permanent XXXX XXXX XXXX i started a small business LLC from my home office in 2018 and was doing my finances with bank of America without any issue/problem. 
all of a sudden said bank froze my balance of XXXX i have contacted bank so many times since then but they are not giving me any good reason and feels like after 3 months effort that they are not going to return my money. I am living on social security and this LLC money was helping me to buy my bread but now i am in a fix. Can you help me please? to get my money refunded and i have all the documentary proofs and tax return to proof that it is very much legal money and no one on gods earth can be a co owner. 

XXXX XXXX Email : XXXX. cell : XXXX
Product: Credit card

This is in response to complaint XXXX. The person who responded on behalf of the company provided false contact information in their letter. When I attempt to call the number theyve provided, I am transferred to a voicemail box for XXXX in disputes. I am not surprised by this, considering it tracks with the companies previous and ongoing false and fraudulent actions.
Product: Credit card or prepaid card

I am a clerk for USPS and I have been off work all year due to Covid 19. I was due to receive unemployment benefits for the entire year. Key Bank was to mail out the card by XXXX XXXX,2021. The card hadn't arrived and when I called to inquire about it, they told me that XXXX was spent from the card. I put in a dispute on XX/XX/2021. Yesterday, they sent me correspondence saying thee investigation was closed and i am responsible. I never received dispute papers and when I try to call I am on hold for two hours only to be hung up on when someone gets on the line.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the entry on my credit report concerning XXXX XXXX in accordance with my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ). 

On XX/XX/year>, I sent a certified letter to XXXX XXXX  requesting validation of the alleged debt XXXX, ( which is my social security number ) not an accurate account number as per my rights under the FDCPA ( 15 U.S.C. 1692g ). 

On XXXXXXXXThe letter was returned as " rejected '' and not accepted by XXXX XXXX, which is a clear violation of their obligation to provide validation of the debt before continuing any collection or reporting efforts. Given that they have not validated the debt, they are in violation of the FDCPA, and the debt remains unverifiable. 

Additionally, their refusal to accept the certified letter and validate the debt could be considered a false or misleading practice, as defined under 15 U.S.C. 1692e. The failure to validate the debt means that this account should not remain on my credit report, and I request that it be removed immediately. 

Please remove this account immediately.
Product: Debt collection

Debt : XXXX Date Posted : XX/XX/ Illegally submitted medical bill on credit and did not send a bill for payment due.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have loan with XXXX XXXX XXXX. I have always made my payments on time. For some reason, I realized that there were 30 days late payments on my credit report. The XXXX and TransUnion Credit Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. I believe the company is violating Sections 616 & 617 of the FCRA. I believe theyre unwilfully noncomplying with federal law & this issue is creating a ton of emotional physical stress. Id like this matter resolved ASAP as it is impacting my health & wellbeing. Please update or remove the late payment from this account. Below is the account with erroneous information and Id like remedied ASAP. 
XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX  Balance : {$0.00}
Product: Checking or savings account

This bank reversed over {$8000.00} worth of checks written to me from my father. They reversed them claiming forgery when it clearly wasn't and if they looked at the checks and signatures they would realize that. They never gave me an opportunity to dispute these reversals or anything. Upon contacting them they said they can't do anything about it which I don't see how when they were the ones that clearly did it and they could have easily just looked at prior checks to see matching signatures but instead they just reversed it without giving me a chance to dispute it after the fact or anything. He said never reversed them so who did and why is anyone allowed to reverse checks that don't belong to them