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

I continuously received bill in the mail that I was sent to collections. I wondered for months what in the world these bills were for. I knew I always paid all my bills and opened accounts on time. I decided to finally get a copy of my credit report to make sure all my accounts were in order. I got my report back and I was furious with the amount of items on my report that I know do not belong to me. Please remove these items off my credit report.
Product: Credit card or prepaid card

Amex Bank failed to make a timely transaction, and / or continued to process a transaction as late when bills was already paid, claiming that there was no override on their computer program. 
This resulted in being a decrease in my credit limits and being forced to reapply for credit. 
Amex also owes me XXXX for one transaction that was overpaid and never refunded. And XXXX for another payment that was paid when it was not owed. 
The negligence of Amex Bank cause me a XXXX point loss on my credit score and I downgraded a card because the annual fee was XXXX of the value of the entire card and not worth having anymore. 
This, after 19 years of banking with them has become the rationale to leave and have everyone that I know do the same. 
They damaged my credit because their checking and banking system do not communicate with the customer or internally with each other. 
If they dismiss this complaint without a resolution, there will be further consequences.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the presence of the hard inquiries on my credit report as listed below. These inquiries were made without my knowledge or consent, and I request their immediate removal from my credit file. Inquiry Details : XXXX XXXX XX/XX/2022, XXXX XX/XX/2022, XXXX XX/XX/2022
Product: Credit reporting or other personal consumer reports

I am formally requesting this letter to update the following accounts in my credit profile which are appearing to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise you will be in violation of the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX Balance : {$320.00} XXXX XXXX XXXX XXXX XXXX Balance : {$320.00} XXXX XXXX XXXX XXXX XXXX Balance : {$320.00}.
Product: Money transfer, virtual currency, or money service

I purchased two XXXX. Cashiers checks XX/XX/2017 from Wells Fargo Bank. I was told that the checks didnt not expire nor is there an expiration date written on the checks. Approximately one month ago I tried to cash the checks and was told that Wells Fargo no longer had the funds and that the money was sent to a lost funds account. I have spoken to several bankers and was directed to different websites with no such luck of locating the money. The final straw was today when I was ask what do you want us to do? in a very disrespectful tone by XXXX at the XXXX XXXX XXXX.
Product: Debt collection

SOUTHWEST CREDIT SYSTEMS/Good Evening / and Happy Holidays! I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Product: Debt collection

I received a letter from XXXX XXXX XXXX XXXX , XXXX dated XXXX/XXXX/16 attempting to collect a debt that is too old to be collected or be sued on.
Product: Checking or savings account

I sent my rent check to my landlord via USPS in XXXX of 2017 - one month later when my landlord told me my rent was late, we realized that the check was fraudulently cashed at a cashier - someone the check was intercepted. I am attaching a copy of the back of the fraud check that was cashed without being endorsed by the company it was written out to. 

My bank ( BANK OF AMERICA ) opened a claim and tried to get the money back from the depositing bank ( XXXX XXXX ) but did not receive a response so they did not give me my money back. 

I attached the fraud cashed check, a cashed check how it should look from my landlord and the letter from BofA saying that they are closing my claim and can not give me my money back even though they know this was a fraudulent check.
Product: Credit card or prepaid card

I purchased bedroom furniture from XXXX XX/XX/XXXX and XX/XX/XXXX prior to the current pandemic lockdown conditions. On XX/XX/XXXX, their delivery service called me and scheduled delivery for Monday, XX/XX/XXXX, to the room of my choice, which is the service I paid for when purchasing the furniture and what enabled me to purchase the furniture. Friday, XX/XX/XXXX, a customer service representative from XXXX called and told me that they would only be able to deliver the four chests of drawers to my doorstep due to COVID-19 restrictions. I live alone in upstate New York and have no way to get the furniture that weighs hundreds of pounds each inside, much less upstairs to my bedroom. If delivery to the room of my choice had not been an option when purchasing from XXXX, I would not have purchased the furniture at all. XXXX 's customer service representative told me to hire a local moving company to bring the furniture inside and to the room of my choice. Under the current extraordinary pandemic conditions, no one would be able to cross a threshold to do that. I initiated return of the furniture to XXXX. They classified the return as a " buyer 's remorse '' return and deducted {$230.00} for return shipping from the refund to my XXXX credit card. They were not able to perform the service I paid for when purchasing the furniture that enabled the purchase of heavy furniture in the first place. Because they would have been able to deliver the furniture to my doorstep, XXXX considers that fulfillment of the purchase contract and chose to classify the return as " buyer 's remorse, '' which it is not.
Product: Checking or savings account

I opened an account with them on XXXX and did not know how to use it. 
I had not done much with it and on XXXX I got a letter in the mail dated XXXX for accounts ending in XXXX & XXXX stating they closed the accounts. 
I had not used the accounts and was puzzled. 
On the same day, I also got a letter dated XXXX saying welcome for opening your accounts on XXXX. 
I found this very odd. 
I called in and spoke with a lady who told me that the reason the account was closed was that I used my cell number which is from a XXXX area code. It was not the same as my address and it was considered fraud. I asked how a cell number I have had for a long time would be considered fraud just because its from a different state? She could not answer. So, I asked for her supervisor. XXXX XXXX got in the line and was very rude and unprofessional. He refused to address me by the title that I earned as XXXX. XXXX XXXX. He kept calling me Mr. XXXX after I addressed this to him. He would try to over talk me. He refused to provide me answers to why my account was closed. He told me he did not have too. I asked him that say question I asked the lady before and he refused to answer. I told him I worked for a news agency and wanted to know the media contact for the bank and he said he did not know the bank had one. He was very being very unprofessional in answering a question to a consumer. 
This bank and its side company need to be investigated. They need to provide answers to consumers as to why they close accounts and not just be allowed to close accounts with no accountability. Consumers have the right to get answers and not be stonewalled. 

After the complaint is submitted I will forward the letters for the record.
Product: Credit card or prepaid card

On Thursday XX/XX/2018 I went to Key Bank to withdraw money from the ATM at the branch on XXXX XXXX XXXX WA. I pulled up to the ATM and inserted my Optplus visa card and began the transaction. I had used this card dozens of times with no problems. This time the ATM said my transaction was declined, but did not give me a reason as to why. I went into the bank and explained what had happened. I was told that this was not the first time the ATM had " eaten, '' tellers words a credit card that was not Key Banks. That was bad but what happened next was worse. I said I did not want to get more overdraft fees and asked if I could do a bank transfer and was told no, the bank did not do that. I was referred to the bank MGR. I explained what had happened and he said there was nothing he could do. I explained that it was KEY BANKS faulty ATM machine that had eaten my card and he said basically too bad! I closed my account there and then. No one even said they were sorry! Worst customer Svc!
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX # XXXX -DATE OPENED XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments. In accordance with FCRA, I am requesting these items to be reviewed for completeness and accuracy, and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I attended a school back in XXXX  ; the school is XXXX XXXX XXXX in XXXX. The course was not finished, due to the school not having a teacher to teach the XXXX  program. I was charged a transportation fee. Im not sure how that was possible. I had a vehicle. I was left to pay a full tuition. My wages were garnished behind this school. To my understanding the school is closed. 

I also attended a school called XXXXXXXX XXXX XXXX. That program was never completed, due to lack of staff. I had my wages garnished. 

I have reached out to the department of education. I have not received a response.
Product: Credit card or prepaid card

3 charges totaling {$1400.00} were made against my discover credit card. I have submitted a fraud complaint to the company which they closed. I have asked for copies of signed purchase receipts, which they have failed to supply.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the Credit Bureaus to delete these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legalaction against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

BMO is a criminal enterprise run in the state of New Mexico. This is the fifth time in the last several months they have found an excuse to freeze my money. They never have a legitimate reason but they do it constantly. This is now the fifth time I have missed my mortgage payment. I have missed my car payment and Ive had to go without dinner simply because they refuse to clear a check. I deposited 10 days ago. XXXX XXXX JUST CONFIRMED IN WRITING THE CHECK WAS CLEARED AND DEPOSITED INTO BMO WITHIN 24 HOURS- BUT BMO IS LYING ABOUT THIS SO THEY CAN KEEP POSSESSION OF THE FUNDS AND ACCRUE INTEREST FOR TWO WEEKS BEFORE THEY RELEASE IT. 
there is no question or suspicion regarding the legitimacy of the check. The check has already cleared entirely. The bank STOLE my money. Ive made 17 attempts to retrieve it, including speaking to the president of the bank himself. XXXX XXXX of BMO and his assistant XXXX are breaking the law, and I demand this be addressed. In the meantime, I am going to take the check elsewhere and cash it because I have to LIVE. 

If I receive any type of legal ramification from this, I will file a lawsuit against BMO immediately, and the bureau will be a party to the lawsuit as well. Im not going to tolerate this. It is blatant theft and FRAUD on behalf of the financial institution
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, So last year I went to go get a car and was told and signed for a credit check and for the dealership to only run it once but now I have around 10 companies who have ran my credit who I haven't given permission to. 

-XXXX XXXXXXXX
Product: Debt collection

Since XX/XX/XXXX, I have been continuously contacted by debt collectors trying to collect on a debt I do not owe. They have stated that XXXX XXXX has hired them to collect this debt. 

I have a defaulted account with XXXX XXXX that I paid and settled in XX/XX/XXXX with XXXX XXXX. I continue to receive harassing debt collection tactics due to this. 

XXXX XXXX XXXX continually violates my rights under the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act. XXXX XXXX XXXX contacted my in XX/XX/XXXX though the telephone, stating that I owe them money based off a collection account I had with XXXX XXXX. I instantly told them that I was in the process of paying this debt off with XXXX XXXX XXXX. I had disputed this account with XXXX XXXX in XX/XX/XXXX and they furnished account verification within 30 days. I setup a payment agreement and completed it. After speaking with XXXXXXXX XXXX in XX/XX/XXXX, I emailed them the information they requested on XX/XX/XXXX on my payment agreement with XXXX XXXX, and I requested account verification from them. The company never responded to the email or furnished account verification to this day. They proceeded to place a collection account through all 3 credit bureaus. I instantly disputed the accounts and they were removed. They again were placed there in XX/XX/XXXX and I disputed the account again. I contacted XXXX XXXX XXXX on XX/XX/XXXX and furnished the payoff letter from XXXX XXXX. The account was removed again, only to be placed back on there multiple more times since. XXXX XXXX XXXX has violated my rights under the Fair Debt Collection Practices Act : 1. They continue to try to collect a debt they have knowledge has been paid and is not owed to them. 2. Threatened legal action against me 3. Furnish false information to the credit bureaus ; XXXX, XXXX, XXXX. XXXX XXXX XXXX has violated my rights under the Fair Collection Practices Act : Fair Debt Collection Practices Act Section 809. Validation of debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Per the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), XXXX XXXX XXXX, is required by federal law to verify through the physical verification of the original signed certified consumer contract of all accounts I request to be posted and or reported on a credit report. I have submitted multiple complaints through the Consumer Financial Protection Bureau to no avail. How can a company continue to operate outside the law and violate my rights afforded to me though the above mentioned laws?
Product: Debt collection

Div Adj service placed a collection on my report for XXXX for a device i had return and services i have. not received that they are billing me for a prepaid service. XXXX has admitted they have the box.
Product: Credit card

I opened a citi bank XXXX XXXX XXXX this month and have gotten XXXX fraud alerts in the last week. Each time I have called and verified myself, and the charges, to have my card unfrozen. This time I call and the only way they will let me verify myself is through a phone NOT on my account ( landline, work phone, etc. ). For context, I work from home and no one has landlines anymore. The only way they will now let me verify myself is by waiting XXXX business days for a letter to come in the mail with a verification code on it. If someone else was trying to fraudulently use my card, I would think they would have more than XXXX phone and could simply " verify '' themselves. Nothing about this verification process makes sense in the slightest.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and found unverifiable, invalid, and inaccurate items that have not been reported correctly. This oversight has caused me significant distress. 

Under the Fair Credit Reporting Act ( 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) ), all information on my credit report must be 100 % accurate. The accounts in question do not meet this standard. 

I request an immediate investigation and correction of these inaccuracies. Attached are copies of all letters sent previously.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have been a victim I have had someone use my identity with different names, addresses and information. I need this to be investigated and fix immediately DEPTEDXXXX XX/XX/XXXX Balance  : {$19000.00} DEPTEDXXXX XXXXXX/XX/XXXX Balance : {$11000.00} DEPTEDXXXX XX/XX/XXXXXXXX Balance : {$16000.00} DEPTEDXXXX XXXXXX/XX/XXXXXXXX Balance : {$420.00} AM STD ASST XXXXXX/XX/XXXXXXXX Balance : {$4800.00} AM STD ASST  XX/XX/XXXXXXXX Balance XXXX {$1800.00}
Product: Debt collection

On XXXX XXXX 2017 i disputed a debt that has been reporting on my credit report. 
The debt collector XXXX XXXX has appeared on my credit report with a {$500.00} balance due. In return of the dispute XXXX XXXX failed to validate the debt allegedly owed and sent a bill including medical procedures which is a violation of HIPPA laws and they are damaging my credit report and i would like the debt removed