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

To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX, XXXX  XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX {$0.00} XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX {$1400.00} XX/XX/XXXX
Product: Credit card or prepaid card

I opened a Bank of America XXXX  XXXX credit card account in XX/XX/2018 and in my 1st month charged well over the {$1000.00} required to qualify for the bonus miles offered. Later that month there was a return that reduced my credit charge balance. Viewing my account online, it still showed more than {$1000.00} charged. I called Bank of America to confirm that my total charged was still above the minimum required. Their representative confirmed it. 

My XXXX online transaction record also showed my total charges were over the {$1000.00} minimum, but I did not receive the bonus miles reward. Still within the period to qualify, I called the bank again to check their record so I could make another charge if needed. I spoke with the bank 's credit card agents on 7 different calls to confirm that Bank of America showed - even with that return charge - that I had met the minimum needed to qualify for the bonus. On each of the 7 calls I was assured that I had qualified. 

After 6 months of calling, getting repeated apologies and promises from agents and from their managers, I was very surprised to receive a letter stating I did NOT qualify for the bonus reward. According to the bank my charges during the bonus period were just under the required {$1000.00} minimum. For over 5 months I was told something they now claim is not true. 

If Bank of America 's agents had not misled me, I could have easily made another small charge to ensure that I would receive this valuable mileage bonus. The bank 's misinformation or negligence cost me a loss of bonus mileage equivalent to at least {$500.00} in airfare. 

From my experience with Bank of America, I can only assume that their agents and managers are either poorly trained or are encouraged to deliberately mislead consumers.
Product: Credit card or prepaid card

Back in XX/XX/2018 I requested for Experian to validate and delete the debt of a negative paid/charged off/inaccurate/closed credit card that I had with XXXX ( Account # XXXX ), ( Amount {$0.00} ). I have sent my last 4th letter to Experian on the XX/XX/2018. I have not received any copies in regards to my request. XXXX and XXXX   have deleted or updated this account on my credit report within the 30 day time frame already. My XXXX  credit score is XXXX & XXXX   credit score is XXXX. This item is negatively impacting my Experian credit score. Experian is involved with illegal business practices and is  committing fraud on various levels.
Product: Debt collection

On Thursday XX/XX/2022 Columbia Debt Recovery LLC DBA Genesis phone number XXXX contacted againt my work place XXXX XXXX XXXX in XXXX WA for the second time and talked to a security guard in the control center about my personal information. XXXX  policy prohibited phone calls from collection agency or soliciting company. Also FTC considers a collection telephone call to your work place from a creditor unfair or deceptive act. The representative from this company XXXX XXXX is calling to my work place several times. I told him that STOP calling me instead use email, but he continues to do his bully job. I meet with my supervisor about these two phone calls. Next time will be a mark in my employee file. Also, I told XXXX XXXX that I work in a XXXX  XXXX  please respect the XXXX  and co-workers.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft, and several accounts were fraudulently opened in my name. Under FCRA 605B ( 15 U.S.C. 1681c-2 ), I request the immediate removal of the following accounts from my Equifax credit report : XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX  XXXX These XXXX accounts are fraudulent and must be removed. Please ensure compliance with FCRA 605B and confirm the resolution of this matter.
Product: Mortgage

I was often denied a modification or any relief from my Green Tree mortgage ( which started with a XXXX Mortgage that was eventually assumed by Green Tree ) when I had asked due to my job loss. To keep my credit in tact in struggling to remain current with Green Tree, with their offering no relief and conflicting information on instructing me to fall behind in payments for relief ( which I could n't in good conscience do ), I had no choice but to withdraw {$55000.00} plus from my XXXX ( also having to pay early withdrawal and penalties ) to sell my home for a reduced price and to use the XXXX withdrawal to pay Green Tree the difference between the sale and balance owed ( house was underwater ). There appears to have been several class action suits, but I am never on a list as a member of such. After the home was sold, I moved out of state to a state with more reasonable real estate prices with a continued declining situation. It was and still is a struggle with the above-mentioned resources exhausted.
Product: Credit reporting, credit repair services, or other personal consumer reports

Well I looked at my credit last month and an charge was on it for an apartment I've never been to was on it XXXX XXXX is the name I called the credit company that has the account and told them the name is columbia debt recovery/genesis and I don't see how they didn't see its not me the name of the person 's are different from mine
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 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
Product: Checking or savings account

I am here to write this letter to inform you about a fraud that has happened to me. Firstly, the people called me about how my XXXX account was hacked and was red flagged. They told me that they were from the XXXX support team. Due to the fact that my bank information was connected to my XXXX account ( aka XXXX XXXX ) I began to raise concern for this issue. Then, they told me to download the team support quick share app so that they can see my screen and help me solve the problem. After that they made me go into my phone setting where they saw all my information like IP address and my phone serial numbers. When my screen was shared with them, they had me go into the Bank of America app to do multiple XXXX transactions and Im pretty sure they froze my screen since they asked me to hold a long pause while I was in the app. I also noticed that the money in my bank account did not make sense as money was going from my savings into my checkings and checkings back into my savings. Then they asked me to go to my email that has the fraud alerts sent out by Bank of America and they asked me again to hold for a long period of time. Based on that I concluded that they have the ability to control my screen and take action on their part. After going through my email, they asked me to go on XXXX XXXX and replace my card information for theirs and tried to begin certain transactions saying how those are dummy accounts to test something. I refused to do so but as they now have my XXXX information, they did the transactions themselves. I then decided to call Bank of America and get this situated after realizing its a fraud. I then took all of my money back out of XXXX so that they wont take any more money out of my XXXX account. The total amount taken from me was {$7400.00} on the day of XX/XX/2020. I called my bank many many times and they did not help me solve this issue and kept blaming it back on me saying it is my fault. I had no knowledge that this whole situation that happened was a fraud at the time of this incident. All I thought was that those people are from XXXX support, that was why I cooperated, otherwise, I wouldn't have.
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.

US DEPT ED XXXX, DEPTEDXXXX XXXX, US DEPT ED XXXX, US DEPT ED XXXX, US DEPT ED XXXX , DEPTEDXXXX XXXX, DEPTEDXXXX XXXX, DEPTEDXXXX XXXX, US DEPT EDXXXX, US DEPT ED XXXX XXXX USDOE/XXXX XXXX, XXXX XXXX XXXX, XXXX ( Original XXXX : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Original XXXX : XXXX XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX ( Original Creditor 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 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit card

XX/XX/XXXX - Upgrade pulled from checking account XXXX on an autopay for a payment that was already made prior. Payment amount was XXXX for a XXXX amount due. Contact to company to find XXXX why autopay was on when I was told in XX/XX/XXXX by same company they will turn off autopay on all XXXX accounts because of their pulling additional money at the time for XXXX other accounts. and XXXX why the additional pull when the amount paid initially was over the payment amount. Company has no explanation but said they would file a compliant. this is wrong on all levels that a business dealing with accounts including checking would have no oversight on this.
Product: Debt collection

I financed a car through Westlake Financial. I continued to make payments through this company and had to file BK due to illness. WE offered to reaffirm vehicle, received no response.Continued to make payments. Company reported our account as discharged in BK with a XXXX  balance. We requested our title and were sent several letters that it would be forthcoming. In XXXX of 2015 we came home to a repo in process. In CT, you must by law sent a letter of intent and did not. We tried to clear up the issues and called many times during XXXX, XXXX and XXXX. We were treated rudely, often in a derogatory manner, were cursed at and threatened. I have recorded conversations with the bank. We were never given the opportunity to discuss cure of any default and we lost our property. I want monetary reimbursement for the trauma and deceptive practices along with clear FDCPA violations.
Product: Debt collection

XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX Todays date : XXXX/XXXX/XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. XX/XX/XXXXm ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section XX/XX/XXXXc-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section XX/XX/XXXXc-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious ENHANCED RECOVERY CO XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX XXXX XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the XXXX Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX
Product: Debt collection

I sent a debt validation letter 1692g to collections, no response.

Collection opened XXXX for amount of {$770.00} Collection opened again XXXX for amount of {$1100.00} Same collection agency : Kansas counselors Inc.
Product: Credit reporting or other personal consumer reports

After checking my credit report I have found XXXX XXXXXXXX XXXX XXXX to be in violation of several of my rights. The account is stated as opened on XXXX XXXX. Under 15 U.S.C. 1681i ( 7 ) Method of verification it was reported without valid evidence. I never received any product good or service from this company or account being reported. This company is unlawfully reporting information without my consent or knowledge.Someone must have faked my identity to create a relationship with this company. Also, this information is also not true, accurate or fair as it is reporting invalid email, address, and phone number under 15 U.S CODE 1681e ( b ) and 15 U.S. CODE 1681i ( 5 ).
Product: Debt collection

A company continues to call me from XXXX. The representative is impersonating a lawyer and threatens to see me in court and hangs up the phone when I ask for a validation letter.
Product: Student loan

I am seeking loan forgiveness under the PSLF and TEPSLF. I originally applied in XXXX. The following year, I tried to submit an updated form to verify employment. It was never processed and I was denied access under XXXX. With the new and temporary changes, I applied again. However, right in the middle of the process, my loans were transferred from XXXX to Mohela. All of my information was not properly transferred, which includes the form I submitted. The form verifies all of the information required. I have been employed with the same qualifying employer since XXXX. My count towards loan forgiveness does not include all of my time which makes me ineligible when I should be. I keep getting the run around. I would like for my information to be updated including using the IDR waiver. It would place me well over the required XXXX payments. In addition, I submitted a new form ( XX/XX/XXXX ) before the XX/XX/XXXX deadline. I was told they were waiting on that form to process. I stated to them, prior to my loans being transferred on the XX/XX/XXXX, I had an approved form in XXXX XXXX XXXXXXXX from XXXX and why weren't they using that. It's not fair I have to wait an additional 90 days. The transfer left me in this unforgiving holding pattern. Please help if you can.
Product: Checking or savings account

Sallie Mae Bank negligently permitted an unauthorized individual to remove over a half million dollars from my money market account starting XX/XX/2019. This happened over more than a month with huge amounts being fraudulently withdrawn day after day, after day, sometimes more than once a day. They were totally unaware that it was going on for weeks, they never notified me and I had to notify them about the problem. 
After I notified them, they froze my account, including non stolen funds, and I have not been able to get at my money for weeks. Sallie Mae was very unhelpful, never contacted me to get the account restored, refused to permit me to escalate the matter, and their consumer advocacy arm did nothing. They said they were working hard at it but blamed it on their 'new system '. They did not follow through with what they assured me they would do. They waited weeks to send me needed documents to sign instead of doing so immediately, thus keeping me from my funds now, weeks later. I felt they were totally protecting themselves and looking out only for their interests and had no regard for their customer. Law enforcement and other banks who reviewed the matter could not believe how ineffective their fraud prevention was. Officers of the bank did not respond to me despite numerous emails and calls. I feel no one should feel safe leaving their funds at Sallie Mae. Even trying to contact them was a nightmare with no one answering phones for long periods of time and then telling me only that the account was frozen. I still do not have access to my money and have had no reassurance that I would be fully compensated for their negligence.
Product: Checking or savings account

In or around XX/XX/2024, Robinhood Financial LLC ( " Robinhood '' ) abruptly closed my spending/checking account without providing an explanation. This unexpected restriction on my debit card and account closure resulted in financial penalties and incurred additional fees, due to my inability to withdraw funds, transfer money to other banking institutions, or pay bills. As a long-time and active user of Robinhood 's services, I would love to continue using their platform and request an explanation for the account closure and the opportunity to appeal this decision.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has confirmed that my personal information was apart of the XXXX Breach. I notice that I have XXXX inquiries showing on my Experian credit report that I did n't authorize and they are the following : XXXX XXXX (XX/XX/XXXX ) and Onsite Manager ( XX/XX/XXXX ). I am requesting that these inquiries be removed as they were unauthorized.
Product: Credit reporting or other personal consumer reports

I called XXXX XXXX at XXXX and requested that they report a collection for XXXX XXXX as paid and closed if they have authority to report it at all. I DO NOT have a contract with XXXX XXXX. They should not be reporting data on me at all. This account was paid in full as of XX/XX/year>, verified by them over the phone when I called them. It should have been being reported as paid and closed as of that date. The account is reporting as open and disputed. The way this account has been inaccurately reported by this collection agency has caused my Experian and XXXX XXXX credit scores to remain in the low XXXX 's when my XXXX score is at XXXX because this inaccurately reported collection is not reporting to XXXX. I asked them to delete this account and they refused. I had to request a paid in full letter multiple times on multiple dates and they finally supplied a statement on blank paper and no letterhead. This type of letter/ statement would never be found as acceptable by the credit bureaus to update the tradeline. 
Please delete this account from my credit report, as this is fraudulent activity. 
Thank you!
Product: Credit reporting or other personal consumer reports

I am not liable for this Debt with XXXX XXXX XXXX XXXX I do not have a contract with the collection agency trying to collect and report negative in formation to my credit report. I do not have a contract or signed any legal documents with this agency. They did not provide me with the original contract as requested. 

Correction to my credit report, I demand this, I demand this account be removed from my credit report In accordance with the Fair Credit Reporting act XXXX  Account # 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
Product: Credit reporting, credit repair services, or other personal consumer reports

My father informed me that I received a letter in the mail from where I used to live stating that I owed a debt of child support. I have never been put on child support. I did a little investigating and I was told that someone has given my name and social security number to claim money every month. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and several other accounts that had been opened under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items from my credit report. 

XXXX XXXX XXXX {$850.00} XXXX  XXXX XXXX {$8400.00}
Product: Debt collection

I asked Midland Credit Management to validate debt and send me a copy of the Bill of sale and the Purchase Agreement ; however, it never was provided. Also Midland stated in their response that they are not reporting this account on my credit report in which they are and this is a violation of The Fair Debt Collection Practices Act 15 United States Code 1692g.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Request for Verification of Account Validation RE : Follow up I am writing to request further clarification on the validation process for my account referenced as [ XXXX ]. While I acknowledge that the account has been marked as validated, I am formally requesting specific information regarding how this validation was conducted under FCRA 611 ( a ) ( 7 ).

To assist me in understanding the legitimacy of this account, I request the following details : The specific methods and documentation used to validate this account. 
The date of validation and any associated records. 
The name of the original creditor and any third parties involved in the validation process. 
Copies of any relevant documents or statements that support the validation claim. 

Per FCRA you are required to provide this information within 15 days or delete the negative item from my credit report. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX