23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

Equifax has an account on my credit report that is old and is no longer supposed to be reflected on my credit report. The last time the accont was reported was XXXX/XXXX/2007. This is 8 years. The account is negatively impacting my credit score and Equifax does not care.
Product: Credit card

I received an XXXX XXXX Citibank credit card with a promotional bonus of XXXX miles for spending {$2500.00} within the first XXXX  days. However, I found it incredibly difficult to meet this requirement due to multiple issues with Citibank. On several occasions, after making a payment, the available balance would not reflect the credit for at least XXXX business days, even for payments made directly from my Citibank checking account. This situation made it challenging to reach the required spending threshold. Ultimately, I believe the offer was misleading, as I was informed that I was {$49.00} short of the {$2500.00} requirement.
Product: Checking or savings account

On XXXX XXXX I went to chase bank ( located at XXXX XXXX XXXX, XXXX, Tx XXXX ) to exchange small bills for large bills. I had {$6000.00} in smaller bills ( 20/10 ) and went to the drive through to exchange it for 100s. The teller greeted me, gave me the money in an envelope and left. 

On XX/XX/XXXX, I see a {$2000.00} withdrawal from my account. For the item description, the bank states, we have deducted {$2000.00} from your account. Ive called the bank and emailed them and nobody can answer me why.
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 1. XXXX XXXX, Account # XXXX 2. XXXX XXXX Account # XXXX 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 : Also states a consumer reporting agency can not furnish an 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 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 ) States 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: Debt collection

On XX/XX/2017 XXXX XXXX FL came out to my home to give me an estimate of my a/c repair.

After investigating the problem they gave me their estimate. The cost would require me to open an account to pay for this service. I declined the offer as I was not financially able to open up new credit. I refused the offer as I was not willing to open new credit. 

The technician left and I believed the matter was closed. Before reaching the end of the month I received a bill statement siting my new line of credit {$5000.00} an available credit of {$4600.00} with an outstanding 'purchase ' of {$400.00}. 

They provided me no repair service but a Quote.
Product: Checking or savings account

On XX/XX/2023, XXXX XXXX XXXX XXXX XXXX opened an Operating Account at BOA On XX/XX/2023, XXXX XXXX XXXX, XXXX opened an Operating Account. 
We were then in talks with XXXX XXXX at BOA Private since XXXX in regards to opening a Private Bank Account and XXXX XXXX trade account. 
On XX/XX/2023, we had a call with XXXX from the XXXX XXXX XXXX  team and discussed opens for different accounts. XXXX made an assumption pertaining to our investment strategy that we were trading other peoples money, when if fact we are not and had our accounts frozen and shut down on XX/XX/2023. BOA is now holding XXXX $ XXXX of capital and has caused issues with another $ XXXX that was being wired into our account from services sold.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Experian due to 4 fraudulent collection accounts that have been incorrectly listed on my credit report. These accounts, listed under XXXX XXXX  for account number XXXX, XXXX XXXX for account number XXXX, XXXX XXXX for account number XXXX, and XXXX XXXX XXXX for account number XXXX, do not belong to me and I believe it is a result of identity theft. Despite my efforts to resolve this issue directly with the credit reporting agency through several formal disputes, the account continues to appear on my credit report. These errors have caused significant financial hardship, negatively affecting my credit score, resulting in denied loan applications and increased interest rates on existing credit.
Product: Checking or savings account

I needed to withdrawal cash from my checking account on Tuesday, XX/XX/XXXX, around XXXX XXXX  PST. I went to two separate US Bank locations in XXXX, and both ATMs were down. The withdrawal was needed to handle a personal family emergency with a compact timeframe. Instead I went to a nearby casino/resort. XXXX XXXX. They were great by the way. I was able to withdrawal the funds I needed ( {$3000.00} ) + {$92.00} in fees. In a matter of seconds with no hassles. I called US Bank ( XXXX Branch ) on Thursday, XX/XX/XXXX around XXXX XXXX  PST. To request for the fees to be refunded. I was told there is nothing that could be done. I was told I should have tried 12 other US Bank locations in XXXX first ( I had already tried two ). Or told I could have visited a branch today ( Friday, XX/XX/XXXX ) to withdrawal the funds?!?!. When I pushed back I was told to contact the originating US Bank in XXXX XXXX XXXX, CA ( for my accounts opened in approx. XXXX ). To request a refund of the fees. But I was also basically told it wouldn't matter. I was told they would call the Branch Manager in XXXX XXXX XXXX. I called the US Bank in XXXX XXXX XXXX around XXXX XXXX  PST ( the same day ). They said they never received a call from the XXXX Branch. I was told by both branches that a " manager '' would call me. This never happened. US Bank has continued to give me the " run-around '' and has offered no resolution. They have both told me to dispute the fees with XXXX XXXX. Why? It wasn't XXXX XXXX 's fault. They allowed me to withdrawal my funds. US Bank didn't. Their ATMs were down. I have multiple accounts with US Bank, an auto loan, and a revolving line of credit. A credit card with a XXXX balance. An exceptional credit rating. I wasn't asking for any dollar amount of my funds that I didn't have. Not even close. I have both funds and available credit in way excess ... Once again US Bank 's ATMs were not working. Thank you.
Product: Credit reporting or other personal consumer reports

XX/XX/2024 JEFFERSON CAPITAL SYST XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Re : Dispute of Debt Collection Notice, Account # XXXX Dear Sir/Madam, I am writing to contest the legitimacy of the debt that was mentioned in your most recent correspondence, which was dated XX/XX/2024. I am formally asking for validation of the purported debt by my rights under the Fair Debt Collection Practices Act, specifically 15 U.S. Code 1692c. 

Upon receipt of your initial communication, I immediately began reviewing the details provided. However, despite my diligent efforts, I have not been able to ascertain the accuracy or legitimacy of the debt in question. Therefore, I kindly request that you provide me with the following information : confirmation of the identity and contact details of the original creditor. 
evidence of the amount due and a thorough explanation of any fees or interest incurred. 
Proof of any written contract or approval proving my obligation to pay this debt. 
confirmation of the debt 's accrual date and any relevant account statements. 
In addition, I want to remind you that the FDCPA requires you to stop all collection efforts until the legitimacy of the debt has been established. If the required validation is not provided, any more correspondence or efforts to collect this debt would constitute a breach of my legal rights. 

Please be advised that I expect a prompt response to this dispute within the timeframe prescribed by law. Failure to provide the requested information or continuing collection activities without validation will leave me no choice but to take appropriate legal action to protect my rights. 

Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion fails to indemify identity theft accounts by placing a block on those accounts in accordance to the XXXX section XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Synchrony Bank offers the Care Credit card which I have used for health care related expenses for a few years. About two months ago, ( late XX/XX/XXXX ) I received a credit monitoring notice that a new card was added to my account. I called the company immediately because I did not apply for or ask for a new card. They told me that they were upgrading me and providing me with a new card that would have a XXXX logo so it would be usable anywhere, not just at Care Credit providers. I told them explicitly that I did not want this, I did not ask for apply for this new card because I knew that opening up a new line would impact my credit. They said it was already sent in the mail and there was nothing that I could do about it, even though I stressed I did not apply for or want this card - and that they essentially opened up a new account in my name without my consent. They said that when the card arrived I could just cut it up and within 30 days they would deactivate it if I had n't used it. I have NEVER in my life heard at such an XXXX process and I have worked in compliance at XXXX XXXX. A month later ( by XX/XX/XXXX ) the card still had not arrived. I called the company back ( just this week, XX/XX/XXXX ) about this because I received numerous alerts from from my credit monitoring service that charges were being made from this new account that I did not apply for or open and in fact still did not receive a card for. I called the company again to complain about this deceptive practice and asked them to close all my accounts and flag the charges as fraudulent. At that time, it was {$1200.00} in fraudulent charges. As of today ( XX/XX/XXXX ), I logged into my credit monitoring service to see that the card is up to {$3100.00} in fraudulent charges even though I called over 48 hours ago to close this account. I have no idea what Synchrony Bank is doing but it seems that they are allowing identity theft to take place and are opening up accounts in customer names much like the XXXX XXXX scandal. Please investigate. I have worked very had to have a strong credit report and this incompetence can not be allowed to proceed.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Hi, my big problem comes from being under Navy Federal Credit Union when I was XXXX the XXXX as a XXXX. I only XXXX 2 years but was XXXX. Before I was XXXX under XXXX circumstances, I took out a XXXX Loan from Navy Federal cause I had some things I wanted to get started on New computers/ Travel Expenses/Car since family Lived in XXXX while I was stationed in XXXX . The main stipulation to the contract that I signed was that I paid extra for a coverage that my Loan would be covered IN FULL. If I were to ever be XXXX from the XXXX of my own will and not XXXX. After Wards I had my account frozen since I was low on funds and trying to find a living situation when I got out. I was constantly being reminded by Navy federal for my payment which I was never late on until I was XXXX. I mentioned to them that my contract states that it would be covered if I get XXXX through means above me. They constantly ignored me asked for me to pay my bills ect. until I went to a Navy Federal Branch in XXXX that I was told the exact thing that I could have my debt handled if I contacted their insurance provider. So I did just that, Sat through hour long phone calls though operators/ Automated voices, I finally get in contact to a insurance provider. They have me Fax them the contract including my XXXX which is military XXXX papers, I danced with them for Weeks close to a month. I kept getting retorts that my Fax did n't go through or I had to deal with another Operator which was n't the same dealing with the case at the time. So I threw my hands up and gave up thinking I got swindled and lied to into a massive loan that I could have paid for if I stayed in the service. The Reason Im also filing a complaint is cause I saw that Navy Federal is under fire for Debt Collecting.
Product: Credit reporting, credit repair services, or other personal consumer reports

Early XX/XX/XXXX - I received a letter from a Collection Agency, XXXX claiming that I owed XXXX XXXX {$4500.00}. 

XX/XX/XXXX - I sent a certified letter to XXXX disputing the debt. I asked to see a signed contract and proof that the debt belonged to me. 
XX/XX/XXXX - My certified letter was received by XXXX. 

As of this complaint, I never received verification of the debt from XXXX or XXXX XXXX. 

XX/XX/XXXX - The debt was reported to all three credit bureaus as a collection. 

XX/XX/XXXX - I received a letter from XXXX XXXX XXXX XXXX XXXX Collection Agency. I disputed the debt with them and asked that they provide me with proof of debt. The Agent stated that I needed to collect that from XXXX directly and they did not place the information on my reports. 

XX/XX/XXXX - I contacted XXXX XXXX to dispute the debt. The agent could not/would not provide me with a copy of the contract or any documentation to verify that the debt belongs to me. Instead, he directed me to contact the store where the transaction took place and wanted me to ask for security footage of who opened the account. 

XX/XX/XXXX - I contacted the XXXX store and asked the Representative to forward me a copy of the security camera footage to verify that it was not me. 
As of this complaint, I have never received any proof that this debt belongs to me.
Product: Checking or savings account

My checking and savings account had overdraft fees multiple times and transactions were still going through after closing my account.
Product: Debt collection

2 Remaining Negative Accounts. 

Account Name : CCB/DAVIDS Account Number : XXXX Account Name : CB/TORRID Account Number XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am unable to access my Equifax credit report. It has been like this for the past 8 months!! I have sent multiple letters to Equifax about this issue, I have even called them. They said there was a issue with my report and they will fix it. 8 months later nothing has been done. As of today XX/XX/2022 I am still not able to see my report. I have included a screenshot of the message that I get when trying to access my credit report!!
Product: Money transfer, virtual currency, or money service

I purchase a Western Union money order on XX/XX/XXXX in the amount of {$340.00} from XXXX which recently became a XX/XX/XXXX. It was for my rent but I had double paid and asked to have the amount refunded. I filed a refund request on their website https : //www.westernunion.com. Case number XXXX on the same day I purchased the money order and found out it was a duplicated payment. 
Western Union sent me a notice dated XX/XX/XXXX stating the money order was cashed ..which it has not been as I still have the original in my possession. 
I tried to call their Customer Service and their phone line puts you into a never ending loop and tells you to file a request on their website which I have already done. 
The resolution I request is a refund of the face amount of the money order in the amount of {$340.00} and to know why they sent me wrong resolution of this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has been paid and closed since XXXX but on my report, this is still showing that it is 30 days late with a balance. How can this be? They should be reporting the account paid or closed. This account should not be showing a late date since they have already been paid for. It seems impossible to accrue late on an account that has already been paid. This inaccurate information is preventing me from getting the credit I deserve and it needs to be removed immediately! 
XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute the inaccurate and unfair collection accounts that have been reported on my credit report. I believe these collections are being reported in violation of the Fair Credit Reporting Act ( FCRA ) and possibly in violation of the Uniform Commercial Code ( UCC ) as well. 

# # # Fair Credit Reporting Act ( FCRA ) Violations : Under the FCRA ( 15 U.S. Code 1681 et seq. ), I have the right to dispute inaccurate information in my credit report and to have those inaccuracies investigated and corrected. The information being reported by the collection agencies is either incorrect, unverifiable, or outdated, and as such, should not be reflected in my credit report. Specifically : 1. **Verification Requirement ( Section 609 ) : ** The collection agencies must provide proper documentation proving that the debt is valid and that they have the right to collect it. As per Section 609 of the FCRA, I request that you furnish me with copies of all documentation that validates these debts. 

XXXX. XXXXAccurate Reporting ( Section 611 ) : ** The credit reporting agencies must ensure that all information reported is accurate. If the collections can not be verified within the 30-day investigation period, they must be removed from my credit report as per Section 611 of the FCRA.

3. **Re-aging of Debt : ** If the collection accounts have been re-aged, this is a violation of the FCRA XXXX and those accounts must be corrected or removed immediately. 

# # # Uniform Commercial Code ( UCC ) Considerations : Additionally, under UCC provisions, specifically regarding the rights to enforce a debt or obligation, I believe the collection agencies may not have legal standing or proper assignment of the debt. Under UCC Article 9, if the collection agency can not provide a valid assignment of the debt or a contract that explicitly grants them the right to collect, they are not legally allowed to report this debt on my credit file.

# # # Resolution Requested : I kindly request that you : XXXX. Investigate the accounts in question and ensure that they comply with the FCRA and XXXX requirements. 
XXXX. Remove any erroneous or unverifiable collections from my credit report. 
XXXX. Provide me with written confirmation of your investigation results. 

Thank you for your prompt attention to this matter. I look forward to your swift resolution of this issue. 

Sincerely, XXXX XXXXXX/XX/XXXXXXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX
Product: Credit reporting or other personal consumer reports

I'm in disagreement with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score XXXX XXXX XXXX XXXX XXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, please provide the names and business addresses of each individual with whom you verified above so I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE.
Product: Debt collection

XXXX has failed to remove collections accounts from credit reports after numerous attempts to contact them.
Product: Debt collection

MRS BPO , LLC, is trying to collect a debt that they buy from XXXX XXXXXXXX XXXX amount of {$2500.00}, saying that i owe them this amount.
Product: Debt collection

TO WHOM IT XXXX CONCERN XXXX XXXX Despite three requests, there is still no PROOF OF CLAIM THIS item listed ABOVE still remain on in YOUR OFFICE in violation of Federal Law. You are required under OHIO XXXXAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The law is very clear as to the Civil liability and the remedy available to me Consumer Protection afforded by the FDCPA if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FDCPA, FCRA and FTC.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX * Account # XXXX -XXXX XXXX XXXX * Account # XXXX - XXXX  * Account XXXX XXXX XXXX ( original creditor : XXXX XXXX XXXXXXXX  ) * Account # XXXX - XXXX XXXX original creditor XXXX ) * Account # XXXX - XXXX XXXX XXXX  ( original creditor XXXX  ) *Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights . 

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