23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

On XX/XX/XXXX and XXXX, I had two transactions of {$1000.00} each at two different atms. It was a cash withdrawal at bank of americas own atms. One was done on XX/XX/XXXX at Bank of America XXXX # XXXX in XXXX, CA for the amount of {$1000.00}. The other one was done on XX/XX/XXXX at Bank of America XXXX and XXXX in XXXX XXXX, CA for another {$1000.00}. Both of these transactions were done over the weekend and I saw the transactions thru the app on sunday night. On monday XX/XX/XXXX, I went ahead and called Bank of America to file a claim and was on hold for hours and and stayed on hold until past XXXX XXXX and then realizing that they have closed since I'm on pacific time and they are on eastern time. The next day XX/XX/XXXX, I went ahead and called again and after being on hold for another 2 hours, I was finally able to file my first claim. They asked me a few questions and told me that someone would get back to me to ask any other questions to investigate the claim. I waited about 3 weeks when I got a letter in the mail. The letter was typed on XX/XX/2020 and stated that the claim was closed because they believed the account of the claim have been the subject of fraud or suspicious activity. It told me to call the same number again if I would like to reopen the calim or request any documentation or information regarding the determination. So I went ahead and called the phone number again and stayed on hold for almost 4 hours. This time I told them that I need to know why they came to this conclusion and no one had an answer for me and I kept getting transferred to different people but no one had an answer. Then one lady said that she would just start another claim. So again I went thru the whole process of opening up another claim and answered the same questions and a couple weeks later I received another letter. This letter was dated XX/XX/2020. The letter stated the same exact thing. There was no type of investigation even done because if there were they would have at least called me and asked me more questions or asked me what i look like. The atms over there all have cameras, especially since they are bank of america atms. After reading many news articles online from the XXXX  area, there were a lot of people that this happened to in the same way and they kept getting the same letter as me and no answers. I have no idea what else to do to get my money back. {$2000.00} is a lot of money that i need right now, especially since there hasnt been any kind of stimulus bill passed. I am going to call again to try and see what documentation or information they have regarding their determination but will probably end up filing another claim. This is ridiculous especially since they know this happened to so many other people in the same exact way and on top of the that they have a zero fraud liability. When I filed this complaint, it didnt ask for any of my contact information for you guys so my name is XXXX XXXX and my email is XXXX and phone number is XXXX.
Product: Debt collection

Allied Interstate calls 10-15 times a day from various phone numbers.
Product: Debt collection

On XX/XX/XXXX we ordered BY MAIL one item, a " XX/XX/XXXX Space Saver All-On-One Washington & Federal Labor Law '' poster. The vendor 's order sheet was used and showed a purchase of one poster for a total of {$10.00}. A parish check was enclosed in full payment. In addition to the one ordered item, XXXX XXXX , XXXX shipped us a number of UNORDERED ITEMS via public carrier and then proceeded to bill us for them in the amount of {$210.00} ( Their Invoice # XXXX XXXX XXXX XX/XX/XXXX ). XXXX XXXX XXXX XXXX XXXX XXXX XXXX sent XXXX XXXX, XXXX a letter by Certified Mail denying XXXX XXXX 's claim of {$210.00} for unsolicited items never ordered by us nor chargeable to us per 39 US Code Paragraph 3009 " Mailing of Unordered Merchandise. '' The letter was received and signed for at XXXX XXXX   's XXXX CA address by their agent XXXX XXXX on XX/XX/XXXX per the Certified Mail Receipt postcard we received afterwards.Despite the face that we never ordered the additional items for which this parish is being billed ( and now has been sold for collection to " The Receivable Managment Services Corp. of XXXX WA ) AND the fact that we gave XXXX XXXX the opportunity to retrieve these unordered items ( as stated in our letter ), they have continued to harass us through subsequent phone calls and emails for this fraudulent claim. On XX/XX/XXXX we received a debt collection letter from " The Receivable Management Services LLC '' of XXXX ( their Ref # XXXX ) that XXXX XXXX has contracted to collect for this fraudulent debt. Furthermore, the amount due has now been raised to {$240.00}
Product: Debt collection

On XX/XX/18, I received a communication from XXXX XXXX XXXX XXXX in an attempt to recover a debt on behalf of original creditor, XXXX XXXX. Contents of letter indicated they were offering to settle the debt at 35 % of balance owed over the course of 24 months. 

I called the office notated on the letter to offer to pay the settlement offer outlined, in full, via bank check, provided they send over a letter, on company letterhead, outlining the following : 1. Verification of debt 2. Verification of authorization to collect debt on behalf of XXXX XXXX 3. Terms of settlement offer 4. Next steps for discharging debt/judgement with XXXX XXXX attorneys ( Satisfaction of Judgement ) The original call center rep, XXXX XXXX, attempted to collect information irrelevant to the settlement offer I was agreeing to pay in full today, such as employment information, why I was in debt, what I am doing to prevent it, as well as information to secure a post dated check from me, or bank routing details. 

I further confirmed that I will await settlement terms above in writing, and upon receipt, will send full settlement offer via Bank check. They seemed unwilling to entertain any conversation that did not entail passing them my personal banking information. 

After conceding to sending the above letter to me via overnight mail, she put me on hold to verify with her floor supervisor, XXXX (? ), who then took the line and proceeded to argue that they would not verify in writing that they are authorized to collect debt or authorize settlement. 

After further escalation to his supervisor, whose name I did not catch, I was told the same, argued with, and essentially prevented from paying the outstanding debt if I would not do so without written verification of settlement terms and verification of authorization of their agency to collect. I was told to contact XXXX XXXX and figure it out myself. 

Further, this agency has contacted various parties outside of myself in attempt to collect debt, and without the above verification, I have requested they cease and desist and further communication, via any channels. 

I then contacted XXXX XXXX to discuss alternate means of settling said debt directly. They opened an internal inquiry/complaint against XXXX XXXX, as they are their contracted firm, and will be outlining to this agency that they are to follow the request I have made in order to settle the debt, as it is reasonable and to the letter of the law, and will alternately consider leveraging a different third party collection agency to settle said debt on their behalf.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified items still remains on my credit report in violation of Federal Law. They failed to MOV and failure to POLP within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor and the credit bureaus, as willful non-compliance. XXXX - Card Service XXXX Open Date XX/XX/1999 Balance {$0.00}
Product: Debt collection

Company said it was a law firm threatening to legal action but this is a debt collection company that uses the most ruthless and obscene tactics Calling family members Threatening to Sue You over small debts in collection This is just a debt collection company
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I noticed that the personal information of someone else was listed on my Equifax credit report. I also noticed that a XXXX XXXX account was also listed on my credit report, which was not mine. I contacted XXXX XXXX  and learned that " XXXX XXXX '' of XXXX XXXX opened an account with XXXX XXXX using his own personal information but listed my social security number on the application. Over the course of the credit account, XXXX was overdue on several payments. It is clear that XXXX XXXX mistakenly used my social security number when filling out the application. 

This is a disgrace and is currently affecting my opportunity to purchase a house, which we are closing on within the month. 

I previously submitted a claim on XX/XX/XXXX with the CFPB and Equifax to have the information removed, which it was. I am not sure why his personal information and credit history was re-attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX XXXX  Dear, Equifax I am writing to request the removal of the unauthorized credit inquiries on my Equifax credit report listed below. My latest credit report shows a number of hard inquiries that I did not authorize. This information is inaccurate and needs to be removed immediately!! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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 Balance : {$11000.00} XXXX XXXX  XXXX Balance : {$770.00} XXXX XXXX Balance : {$0.00} XXXXXXXX  XXXX Balance : {$15000.00} XXXX XXXX XXXX XXXX Balance : {$770.00} XXXX XXXX Balance : {$370.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Last XX/XX/2022 I paid off my home mortgage to XXXX received a letter of paid in full But since paying this off my credit score from all reporting agencies & my 5 different banks fico scores come up with low scores based off of LACK OF RECENT INSTALLMENT LOAN INFORMATION! This has appeared since XX/XX/2022 time period. This was caused by me paying off my home. I have called XXXX its out of their hands, I called Trans Union again they cant help told me to call CONSUMER FINANCIAL BUREAU they sent me to you at www.consumer financial.com/askcfpb Can someone please get this ongoing report to be removed from my record so it no longer decreases my score Please advise XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX, to remove the items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$4900.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1700.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1300.00} XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX Balance : {$1300.00} XXXX, XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1300.00} XXXX XXXX Balance : {$0.00} ( Original Creditor : ) XXXX : {$81.00} ( Original Creditor : ) XXXX Balance : {$100.00} 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: Credit card or prepaid card

Two major charges, one for {$4900.00} dated XX/XX/2019, and one for {$9500.00} dated XX/XX/2019, and both for payments made to XXXX XXXX in Virginia, and which more than doubled authorized credit allowed for this credit card account, appeared in statement for XX/XX/2019. I was not notified of this unauthorized overcharge by the company prior to receiving monthly statement, and there is no evidence to me otherwise of red flagging for these major charges. I spoke with Customer Service representative for credit card on two occasions, lastly on XX/XX/2019, and have spoken with companys fraud desk, lastly on XX/XX/2019 and XX/XX/2019, and was told in first instance that next statement should reflect a correction or adjustment and in last instance that they ( fraud desk ) were waiting to hear back still from merchant vendor, that is, XXXX XXXX. 
I am concerned that these unauthorized charges were recorded in the first place, that I was not immediately notified by phone questioning me if I had actually made those charges, and for amount of time already involved in resolving this matter to my satisfactionwith all unauthorized charges and related interest removed.
Product: Credit reporting or other personal consumer reports

I recently submitted a letter regarding the inaccuracies and unfamiliar items on my credit report, but it's now been over 30 days, and I haven't received any response. This lack of action is really concerning. According to Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), youre required to investigate disputed items within 30 days, and if you don't, those items must be removed from my report. 

Since it's been more than 30 days, I expect my credit report to be updated immediately, reflecting the removal of the disputed accounts. If this isn't resolved quickly, XXXX have no choice but to consider legal action, as this ongoing delay has caused me considerable stress. 

Additionally, I was affected by the XXXX, Experian, and XXXX data breaches, which makes me even more worried about how my personal information is being handled.
Product: Credit card or prepaid card

On XX/XX/2019 I received an email inviting me to upgrade an existing American Express XXXX XXXX credit card to the XXXX version of the same family of cards, with a bonus of XXXX XXXX XXXX points after spending {$4000.00} within three months of opening the card. 

On XX/XX/XXXX I upgraded my account to the XXXX, completing the spending requirements on the same day in a single transaction. According to the terms and conditions of the offer, the bonus points should post within 6-8 weeks ( so, XXXX XXXX at the latest ). 

On XX/XX/XXXX I contacted AmEx 's online chat support to inquire about the points posting, and was told by the customer service representative that a 'case ' would be opened since no such upgrade offer appeared to be attached to the account. I was told that a resolution may take 6-8 weeks ( so at the latest, XX/XX/XXXX ). 

On XX/XX/XXXX I contacted AmEx by phone to inquire on state of the case and the missing points, having never received any contact since XX/XX/XXXX. The rep asked me to upload the upgrade offer to a document-submission website, and I was told that a resolution should take approximately two weeks ( so, XX/XX/XXXX ). 

On XX/XX/XXXX I contacted AmEx once more by phone to inquire regarding previous cases, to be told AmEx had deemed the matter a non-AmEx problem and that the only solution is to submit another resolution request with the same information - expecting another 4-6 weeks for a resolution. I noted that I would be submitting this information to the CFPB for review, as AmEx does not seem inclined to resolve the matter directly.
Product: Credit reporting 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. 

Account Name : XXXX  Account XXXX : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

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 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 other 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 ) 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

XX/XX/XXXX, I contacted UNIFUND CCR LLC in regards to this inaccurate account on my consumer report. The correspondence received on XX/XX/XXXX did not fulfill any of my prior requests. All I received was an unsigned contract from another company and notified that the collection account had been sold to yet another company, DISTRESSED ASSET PORTFOLIO III , LLC but is still being updated reported from UNIFUND CCR LLC. Your company has failed to provide me with competent evidence to prove that I have a legal obligation to pay the alleged debt to you or any third party. Your company reported derogatory information/account/debt to my consumer reports ( XXXX, XXXX, XXXX, XXXX, XXXX. ). Your company failed to validate debt. Your company does not own alleged debt. Your company is not in possession to collect alleged debt but still reporting to my consumer report and causing me hardship. I am attesting that I have not received any goods or services from them nor do I plan to in the future. I have no verbal or written contract with UNIFUND CCR LLC that states I owe them or agree to pay them any money. I have no knowledge of this company and again I have no desire to do any business with UNIFUND CCR LLC. I am a victim of fraud, and I'm demanding that UNIFUND CCR LLC according to section 623 ( A ) ( 1 ) ( A ) ( B ) cease reporting this inaccurate information to the consumer reporting agencies ( XXXX, XXXX, XXXX, XXXX, etc. ) IMMEDIATELY as I have previously requested, and I am aware that this subject to a {$1000.00} fine per violation in addition to punitive damages. Also upon checking my reports, I've noticed that your company has been doing soft credit pulls of my information, that occurred on XX/XX/XXXX and XX/XX/XXXX, which is another violation of my rights under the FCRA. If your company has sold this alleged debt to another third party, why are you still illegally pulling my information regularly? I never authorized your company to pull my report under any circumstance nor invade my privacy. Lastly, upon checking XXXX XXXX XXXX, your company doesn't have any license that allows you to collect debt in the state of Tennessee.
Product: Credit reporting 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. 

List of Unauthorized Inquiries 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 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 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 other 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 ) 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: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX 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 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: Credit card or prepaid card

On XX/XX/2020 I noticed that a charge was made on my Direct Express Card for {$83.00} that Direct Express and was told to cancel my card which I could NOT do at the time because I had to withdraw what funds were on the card because the card would be canceled and I would have to pay to have another one sent to me. On XX/XX/2020 I called and initiated a dispute with Direct Express for the amount of XXXX and was told that I would receive paperwork which I was to fill out and return to Direct Express, i did not receive the paperwork until XX/XX/2020 on XX/XX/2020 I mailed ( mailed from local post office ) the completed paperwork back to Direct Express. I called Direct Express on numerous trying to get the status of my  claim sometimes being put on hold for 2 hours and 45 minutes only to be told that my claim was still under investigation. On XX/XX/2020 I called and was told by a CSR in the dispute department that my paperwork was not received within 10 days of the opening of my claim ( they said that they did not receive it until XX/XX/2020 ) .How could get the paperwork back to Direct Express when I did not receive it until XX/XX/2020? As of XX/XX/2020 I still have not received the provisional credit which I believe is guaranteed by MasterCard ( the Direct Express card is issued by Comerica Bank and MasterCard ). I have done some investigating on these 2 entities and have found thousands of complaints about fraudulent practices about Direct Express and Comerica Bank. I thought as a consumer I was protected under law by such practices happening but obviously was wrong so how are you going to protect me? I ve filed reports with the FTC and have contacted the Senator for my state. I receive XXXX XXXX a month and this has been a GREAT HARDSHIP for me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed 3 separate disputes with XXXX, XXXX, and XXXX in order to have inaccurate information removed from my credit file. The first dispute was filed on XXXX XXXX. XXXX, but I have not received a response from the credit bureaus. I'm hoping that CFPB can help me with this issue.