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

My bank account with bank of america was closed, Due to a bank account compromise with someone tried to make a bank deposit in to my bank account of {$1300.00} dollars for an unemployment benefit payment and my bank account was closed and the bank account compromise is reflected and is showing on my credit report files and I am unable to open any type of new bank accounts at following banking institutions. 

I wrote a letter to The XXXX credit bureau services and they sent a letter to me which stated that they contacted the crediting agency which is bank of america and they demanded them to remove the bank compromised status from my credit report and the process should be completed within 30 days. 

The 30 day conclusion period is drawing near and I want to be sure that this credit report compromise is being resolved and investigated.
Product: Credit reporting or other personal consumer reports

Under The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq, it states that credit reporting agencies have to report accurate information. I have been repeatedly asking the credit bureaus to report 12 student loans as paid in full and as agreed since XX/XX/year> and they still are not reporting my loans as paid off and as agreed. See below Group Total Applied Applied to Principal Applied to Interest Applied to Fees* XXXX {$2000.00} {$2000.00} {$0.00} {$0.00} XXXX {$2000.00} {$2000.00} {$0.00} {$0.00} XXXX  {$3000.00} {$3000.00} {$0.00} {$0.00} XXXX {$3000.00} {$3000.00} {$0.00} {$0.00} XXXX {$4000.00} {$4000.00} {$0.00} {$0.00} XXXX {$3500.00} {$3500.00} {$0.00} {$0.00} XXXX {$4000.00} {$4000.00} {$0.00} {$0.00} XXXX {$3500.00} {$3500.00} {$0.00} {$0.00} XXXX {$2200.00} {$2200.00} {$0.00} {$0.00} XXXX {$2200.00} {$2200.00} {$0.00} {$0.00} XXXX  {$3500.00} {$3500.00} {$0.00} {$0.00} XXXX {$4500.00} {$4500.00} {$0.00} {$0.00} Total {$37000.00} {$37000.00} {$0.00} {$0.00}
Product: Debt collection

I received a billing from Collection Agency which consisted of five different creditors under one account number which I assume they purchased and wanted to collect those funds. Immediately upon receiving the billing I responded to them with a validation request. Within 30 days after mailing that request I received one document from them for only one of the creditors. Approximately sixty days after that I received documents for two more of the creditors and a letter with those documents acknowledged receiving my initial validation request. Although unnecessary I mailed them another request for validation for the last two creditors. It has now been approximately 45 days since I sent the second validation request and they have not received anything. The way I understand it is a Collection Agency has to comply with a validation request within 30 per the Fair Debt Collection Practices Act and this Collection Agency has only complied with validation of one of the five creditors listed. I just a week ago mailed them a Cease and Desist letter and with it I did assume responsibility for the one creditor they validated within 30 days. I am preparing a follow-up letter to the collection agency to see what their intentions are. 
I am XXXX years old and retired. I receive a monthly Social Security Benefits. This company has taken a toll on me by not communicating and making me wonder what they are going to try and do next. In the Cease and Desist letter I informed them they are in violation of the Fair Debt Collections Act, Section 809 and 813. 
What do you think I should do next?
Product: Credit reporting or other personal consumer reports

i have multiple hard iniquires and not sure how they got there
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried and tried and tried, both XXXX XXXX XXXX XXXX and Experian continue to ignore my requests to update my credit file with valid and accurate information which is a violation of both FCRA and FDCPA. XXXX XXXX XXXX XXXX continues to furnish inaccurate information. Derogatory information may only be displayed for a maximum of 7 years. My account first went delinquent in XXXX of XXXX when XXXX laid me off therefore making XX/XX/XXXX seven ( 7 ) years and yet XXXX continues to supply ND to the credit bureaus. Experian is in violation as they have failed to properly handle this investigation and re-investigation even though I have supplied them with the report they sent me which clearly states XX/XX/XXXX. They continue to simply give me the run around claiming XXXX validated their position. Well what about mine? What about fact? This is illegal for both of these entities to be reporting inaccurate and outdated information. Under federal law I have the right to dispute inaccurate information in my credit file. XXXX XXXX XXXX XXXX has failed to properly investigate and has not provided me a substantiated review of their findings during this investigation. Experian 's website will not allow me to submit additional or supporting documentation and the statement I have requested Experian to place on my credit file also has been ignored. Experian has grossly mishandled this investigation and continues to ignore my dispute.
Product: Credit card

FNBO refuses to honor credit card transaction. This due to well known identity felony theft.
Product: Debt collection

I just received notice from ERC on X/X/17 in regards to an alleged debt owed of {$1100.00} to XXXX. Please produce validation. This would be the 3rd time that I 've requested validation of this debt of which XXXX continues to violate FCRA regulations.
Product: Credit reporting, credit repair services, or other personal consumer reports

my complaint ID. # XXXX Shellpoint mortgage. 

After the initial complaint from me to cfpb, Shell point investigated my complaint. I received the investigation results back from Shellpoint ( XXXX XXXX XXXX Department ). They stated that they will not remove the late notification on my credit report in XXXX. Their reason was the payment was outside the 30 day payment period. The initial mortgage payment was made on XXXX XX/XX/XXXX but due to the inaccurate information on their IVR it is was not credited till XXXX XX/XX/XXXX. That was when i was notified by another mortgage company I had a late payment. I called Shellpoint ( XXXX XX/XX/XXXX ) spoke to their representative who track down the problem ( inaccurate information on their IVR, there over the phone payment system ). made the correction and i paid XXXX as well as XXXX mortgage payment. Shell point admitted they can see on the record where their representative made the updated changes. Why are they still holding me accountable for the late payment in XXXX.
Product: Debt collection

This company posted a debt to my credit report that is not correct and should not have been reported. I disputed the debt and they still chose to post to my report. No phone call or nothing. By law I have the right to dispute a debt. 
I never lived in the apartments they claim I owe money too.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX I made a compliant with CFPB and this information is still on my report and is very inaccurate. The XXXX account is appearing as a charge-off without the XXXX day report. Further, this account allegedly was opened in XXXX and there is no history being reported. I disputed and filed a complaint on XX/XX/XXXX and provided reports as well as letters that were sent certified mail and this account is still being updated and verified on my report and shows many inconsistencies and inaccuracies. 

The XXXX account has many inaccuracies as well and comes back verified and updated. It is missing payment history as well as the ND shows that there are inconsistencies in the source of this information. I have asked Transunion to provide me with the source of where they are verifying these accounts and they failed to do so.
Product: Mortgage

my identity was use for a heloc loan Home Equity Line of Credit application.
Product: Credit reporting or other personal consumer reports

I am writing to notify you that I have been a victim of identity theft due to a recent data breach. This incident has resulted in several fraudulent accounts and unauthorized credit inquiries being added to my credit report without my knowledge or consent. Pursuant to 15 USC 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ), I am formally requesting the immediate blocking and deletion of the following accounts and inquiries from my credit file. 
Fraudulent Accounts : XXXX. XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX  Date Opened : XXXX XXXX  Balance : {$6100.00} XXXX. XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX  Date Opened : XXXX XXXX  Balance : {$13000.00} XXXX. XXXX XXXX XXXX  XXXX  Account Number : XXXX XXXX  Date Opened : XXXX XXXX  Balance : {$150.00} XXXX. XXXX XXXX XXXX  Account Number : XXXX XXXX  Date Opened : XXXX XXXX  Balance : {$150.00} XXXX. XXXX XXXX  XXXX XXXX Account Number : XXXX XXXX  Date Opened : XXXX XXXX  Balance : {$870.00} XXXX. XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX  Date Opened : XXXX XXXX  Balance : {$1200.00} XXXX. XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX XXXX  Date Opened : XXXX XXXX  Balance : {$180.00} XXXX. XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX  Date Opened : XXXX XXXX  Balance : {$8700.00} XXXX. XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX  Date Opened : XXXX XXXX  Balance : {$930.00} Fraudulent Inquiries : XXXX. XXXX XXXX XXXX  XXXX XXXX Date of Inquiry : XXXX XXXX. XXXX XXXX XXXX  Date of Inquiry : XXXX XXXX. XXXX XXXX XXXX XXXX Date of Inquiry : XXXX XXXX. XXXX XXXX XXXX XXXX Date of Inquiry : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this may concern : Recently I received a new credit inquiry reflecting on only my Equifax report, which was not me. It seems my credit was ran on XXXX XXXX for a XXXX XXXX. ( XXXX ) account. I reached out to Equifax, XXXX XXXX and XXXX to see what 's going on and to also set up fraud alerts. I figured I would contact Equifax first, as they are the only company showing this recent inquiry. After speaking with Equifax and setting up alerts on my account, they could n't help my issue, but instructed me to contact XXXX XXXX, as they will need to send in an electronic request to remove the inquiry, as they are supposedly the ones who pulled the credit. Equifax claims that the company who initially pulled the credit profile are the only people who can remove the inquiry, by submitting an electronic request letter to Equifax. After speaking with Equifax, I then contacted XXXX XXXX to see who attempted to open an account with my social security number. Finally after being transferred around with XXXX and speaking with several XXXX reps/managers, nobody was able to find any information on me at all. They searched several different ways to try to locate something on me. Whether by name, social security #, address, etc. they still could n't find anything at all. They also told me since they ca n't find any account info on me, they would be unable to send the electronic request letter to Equifax to remove the inquiry because I am not even a customer in their profile. I said, Ok I appreciate your help I will contact Equifax again. After so many phone calls back and forth hearing the same thing over and over 10+ times, I finally gave up. I 've called Equifax numerous times and put in about 6 disputes for the same credit inquiry issue, but they keep insisting that I contact XXXX XXXX to and have them send the electronic request for removal. After speaking with XXXX again many times, they are still unable to locate any info and/or send the request because they do n't even know who I am. I am hoping to get this simple inquiry off my credit report. NOTE : I recently applied bankruptcy about 2 years ago and only had 3 total inquiries on my account since. The bankruptcy lawyer needed to run my credit, which was one inquiry. After doing bankruptcy, I was told to get a secured CC. So, I applied or a XXXX secured credit card, which I did n't get..so that was 2 inquiries already. Finally I tried again for a XXXX XXXX secured card and got it. I should only have 3 inquiries on my credit profile.
Product: Debt collection

To Whom it may concern, 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 a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

1. FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

2. FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


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 accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, 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 DELETE ALL ACCOUNTS THAT ARE NOT METRO 2 COMPLIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. 

PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX ASSISTANT DIRCTOR OF ENFOREMENT CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX  CC : STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : XXXX XXXX XXXX CC : STATE REGULATORY AGENCY Thank you for your help in this matter.
Product: Vehicle loan or lease

My Wells Fargo auto loan amortization seems to be incorrect. The payments to principle each month vary widely month to month ( much more than the difference in number of days/month ).
Product: Debt collection

I had an XXXX XXXX card through XXXX XXXX a couple years ago. I thought I paid the balance on the card but it still showed unpaid. I called XXXX XXXX ( XXXX - XXXX XXXX ) on Thurday XX/XX/19, I spoke with XXXX who stated that the unpaid balance was sent to NCI , a collection agency. I called NCI ( XXXX - XXXX - XXXX ). I spoke with XXXX. I told XXXX that I am willing to pay the amount I owe, {$370.00}. XXXX and the agency needs to email me a letter showing that I paid my debt. XXXX told me that there is no guarantee that the agency will email me a letter saying that I don't owe the money. XXXX put me hold so he can speak to his supervisor XXXX. XXXX returned and said, the agency will PROBABLY email me and if I don't receive a letter, I need to call back, but there is no guarantee. 
I am willing to pay the {$370.00} But I need a letter that proves that I paid the money which will increase my credit score. My question is : when One pays for something, should the person receive a RECEIPT automatically?
Product: Debt collection

I have sent them receipts for money they are saying I owed. They are continually harassing me through emails, mail and phone calls. They initially said I owed them money for past due rent and when I sent in the payment confirmations for each month, they turned around and told me the debt was for something else. I also sent them receipts and proof of payment for those too.
Product: Checking or savings account

SouthState Bank account received a wire transfer of {$160000.00} on XX/XX/2022, which was made by mistake. They charged me a {$15.00} fee for receiving this. Then, without notifying me or requesting my permission, on XX/XX/2022, they debited my account for the {$160000.00}. I called customer service and they weren't able to say why or even look into it, they told me to go to a branch that's 40 minutes away from my house. The statement description was " XXXX XXXX XXXX XXXX XXXX XXXX ''. A state-chartered bank should not be able to initiate a {$160000.00} transaction without at least notifying a customer.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX 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.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act this account has violated my rights 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 
15 USC 1666B : A creditor may n treat a payment on a credit XXXX account under an open end XXXX consumer credit plan as late for and purpose.
Product: Credit card

Kept getting emails from Citibank saying my application was denied because they couldn't get banking information. Then yesterday I get an email stating my Citibank credit card would be coming in the mail. And I did. When I call them I get a foreign person wanting my SS #. I told them I wasn't comfortable with that and they said call back when I was comfortable. It says they got my XXXX XXXX from XXXX.
Product: Debt collection

On  XXXX   XXXX  i sent a debt validation letter asking for proof of debt Chrysler capital did not follow any of my consumer rights of validation all was sent was a statement that information is accurate not only did they work with me on consumer rights but also sold my information after i requested validation debt i have attached copies of proof i ask that this report be removed from all  XXXX  credit bureaus for they did not validate my debt and sold my contract to another agency so they are no longer handling my account it must be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone claiming to be me with my information has made an account with affirm and took out multiple transactions with money that hasnt been paid back XXXX {$410.00} XXXX {$270.00} XX/XX/22 - XX/XX/22 {$43.00} XX/XX/22 - XX/XX/22 {$26.00} When I called affirm inc, the first associate did not provide assistance after claiming that this was an identity theft even after mentioning that the phone number I called from is invalid for me because it was filed under someone else. The second associate informed that the situation was escalated to the correct department and took action to the best of their ability to prevent further issues
Product: Debt collection

My credit reports reflect a debt in the amount {$770.00} owed to XXXX XXXX XXXX company as the originator. I have disputed this debt numerous times for years with no success. Each time the debt returned as verified. I requested verification of this debt, but have received nothing.
Product: Checking or savings account

I found out somebody used my name and Social Security number to open a checking and saving account with PNC Bank. I contacted the bank and let them know this was fraud and had the account closed however they refused to give me any information about the person who open the account. They have a photo ID of this person on file and they said it is definitely not me but it has my maiden name on the ID but the rest of the information on the does not match my real information and because of that they could not give me any information from the account even though I brought my drivers license, my Social Security card, my birth certificate, and my marriage license. I even reached out to corporate and was told they cant do anything. That is absolutely ridiculous!
Product: Money transfer, virtual currency, or money service

The first email notification I can find is for XX/XX/XXXX - essentially I have a CRYPTO.com account where I had a wallet holding some cash, as well as a {$4000.00} XXXX investment that also got me ( if I remember correctly ) their " green card '' - a visa card, and for this deal I also got XXXX and XXXX paid for by the company, CRYPTO.com I received my first notice on XX/XX/XXXX, I believe, that the card wasn't working, and that payments weren't going through. I decided to look into it, and I couldn't gain access to my account. Now I've had a bunch of back and forths with their customer service and they refuse to grant me access to my account- more accurately, they've been telling me they are looking into it for the last XXXX weeks but every time I reach out, they say their team is looking into it and they won't give me a passcode. I asked to cancel my account early in those exchanges ( the first day ) and I don't know if that has anything to do with them stalling and not getting me back in. They don't express any concern whatsoever about whether I am who I say I am, they just tell me they can't figure out how to send a passcode to get me back into my account. I smell XXXX. It feels like a scam. It's my account, I put money into it, and now I can't get even get in and they won't help me.
Product: Checking or savings account

Beginning the end of XX/XX/2019 I have been checking with the company to find out the status of my receiving as primary beneficiary approximately {$72000.00} from my deceased spouse 's CD account. There have been many different reasons provided always by a third party as to why it is being delayed. Thus far no one has ever contacted me except a CSR with an invalid comment 3 weeks ago.