23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

BANK OF AMERICA FRAUD DEPARTMENT CASE NUMBER : XXXX This is my FIFTH attempt to dispute an account on my credit report that is the result of IDENTITY THEFT. 

I have summited all the required documents including : XXXX ) POLICE REPORT XXXX ) IDENTITY THEFT REPORT XXXX ) PROOF THAT I WAS UNDER FEDERAL CUSTODY XXXX ) PROOF THAT I WAS RELEASED ON SUPERVISED RELEASE IN NEW YORK XXXX ) PROOF THAT I WAS LIVING IN NEW YORK UNDER SUPERVISION UNTIL XX/XX/XXXX XXXX ) OTHER DOCUMENTS It is an impossibility that I had been able to open a credit card let alone buy a car XXXX  set up a business when I was in XXXX XXXX and then a XXXX XXXX  and Probation/Supervised Release living in XXXX XXXX XXXX XXXX XXXX 

My brother XXXX XXXX was living in XXXX XXXX and had access to my information since the day of my arrest and all during my time in prison and federal custody. He has admitted having stolen and used my identity and he is now on the run with a warrant for his arrest. 

There is NO way, no possibility that I could have access to getting credit, or even a regular phone while I was at the XXXX XXXX XXXX in XXXX, or Federal Prison and even while I was at the halfway house or supervised release without having to go through my Probation Officer. 




The account that remains on my credit report that is NOT my accounts and is the result of IDENTITY THEFT is XXXX XXXX XXXX XXXX Opened on XX/XX/XXXX, while I was under Federal Custody CASE NUMBER : XXXX I am resubmitting all documentation in order to provide all necessary evidence and proof that this is NOT my account. 

I am also including on this filing, a copy my brothers passport, phone number, and an updated police report that was filed today documenting this case. 

Thank you for your time, XXXX XXXX
Product: Debt collection

I received a debt collection letter from Williams & Fudge Inc for the College of XXXX Nevada stating I owe {$920.00}. I never attended the school I signed up for classes but immediately withdrew because I had to move. I also received an email from the school confirming I did not owe anything. I emailed a copy of my document to XXXX XXXX XXXX, XXXX informing them I do not owe any money. This company stated if I do not pay they will report me to all the credit agencies. How can they do this and I dont owe anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax released my personal information due to a hack and my identity was stolten, with 1000s of dollars of fraud committed in my name. I filed a fraud alert, and froze every credit bureau account. 

Then, someone filed a change of address to my account ( which should not be able to occur at all due to freeze and fraud alert ) for an address that does not even exist. 

This company literally supports fraud by not actually investigating changes to your account.
Product: Credit card

About 3 years ago, I started receiving credit card statements for a credit card from First Niagara Bank, XXXX. To be clear, I have never opened an account with, or done business with First Niagara Bank. They took over the former XXXX branches in our area. I used to have accounts with XXXX, but closed all of them out before First Niagara took over. When I tried to call about this mysterious credit card in my name, I could n't get information because my credit card # on the account is all " X 's '' except the last XXXX numbers ( XXXX XXXX XXXX XXXX ). I do n't even know if this is a XXXX or XXXX - but I was charged an annual fee & interest. I finally spoke to a local branch about this. Nobody could tell me how I came to have this credit card acct with no actual number or application attached to it. I told them to close it immediately. They said they would - and they did ... EXCEPT ... I then ended up with a XXXX cent credit, which kept the account alive. I have tried several times to get them to close this account and send me a check for the XXXX cents, or keep the XXXX cents. I do n't care which. That has never happened & it has been a few years now. I 'm still receiving the statements. More importantly, I recently noticed that this " account '' is showing up as a negative on my credit report. It is actually the ONLY negative on my credit report - and it says " pays as agreed '' next to it ( as if I have made some kind of payment agreement with First Niagara ) - when actually they owe ME XXXX cents - not to mention the fraud they have been committing against me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX was removed, paid in full and removed XXXX XXXX 2017. Through XXXX. The amount was XXXX. I was sent confirmation it was removed and paid in full from XXXX dispute service. After paid I waited and disputed to have it removed. Somehow miscommunication happened. Then it Reappeared, showing I was disputing a paid item. Now I look again it 's back on there as owed. It went from paid, removed, to paid, that I was disputing it was paid. To now a balance is showing again. I 've sent to transunion multiple times, it 's Been ignored. Then there is XXXX XXXX reappeared on XX/XX/XXXX. It had been removed years ago for inaccurate information and wrong amount. I have copies of credit report with this not on it. All the sudden it 's there. The original account was reported in XX/XX/XXXX. I called Transunion a week ago when I first seen it. They assured me they seen nothing opened on XX/XX/XXXX. Now it 's showing on all 3 bureaus.
Product: Mortgage

I had 5 loans with a company, all 5 were purchased in XXXX by another company. 
One new loan I have access to online and am able to pay this one loan only. 
The other 4 I have not paid. I have sent numerous emails to cutomer care asking to add the other 4 loans to my account. I have spoke with a live person, I have sent emails several times within by login account. I have sent them ACH forms for the 4 loans, After all of this I have gotten no response from them. I have not been able to pay XXXX, XXXX & XXXX payments. 
I have sent emails to BSI Financial on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and today XX/XX/XXXX. I haven't kept track of the phone contact or the emails I've sent withing my BSI login.
Product: Debt collection

I received an alert of major negative on report. I have no debt and have not had debt for 7 years. I do not know this company or debt. They threatened me, they do not have my name correct and the R ruining my credit. I called them to tell them identity theft, fraud something is wrong. They said it was a debt from XXXX  from XXXX. That is illegal to collect a debt that was identity theft and reported since XX/XX/XXXX
Product: Mortgage

Last year XXXX I was approved by Chase Bank for Loan modification, saying that If I make my payment in 3months they would permanet it. I made the first paymet in XXXX. In XXXX when I called to make the second payment I was told that my morgage has been transffered to another finace agent, without no notice letter. After about XXXX calls i finally received the number of the other finace agent. To find out that my loan was transfferd to money collect agent. I made the second and third paymanet. To my suprise this company are treatning me with a lots of letter to forclose my house and also claiming that am owing some money that have to pay. I will be glad if my case is investigate accordinly and if any document is needed, I have all documents to provide.
Product: Checking or savings account

I was scheduled for a direct deposit in the amount of {$7800.00}. After all applicable taxes and a state levy in the amount of {$210.00} were deducted, I was scheduled to receive {$4200.00}. Capital One only gave me access to {$1500.00}. There is {$2600.00} that is missing from my account. Repeated attempts to reach someone from customer service has been futile. I have my current paystub as proof of what was supposed to be deposited into my account. I need a resolution to this issue ASAP
Product: Checking or savings account

I received an email on XX/XX/XXXX saying that someone sent {$150.00} USD to an number, XXXX, from an account I never opened with Capital One. The person, whoever did this, tried to scam other people pretending to be me on social media and one victim that sent the amount of {$150.00} USD to the unknown account was a family member of mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

There was a collection account that was added to my credit report for a item that was included in a chapter XXXX bankruptcy, that should now be on my account and after I disputed it it still shows that it is accurate. the bankruptcy was filed in XXXX of XXXX an discharged in XXXX of XXXX and the original debt that they are putting on my credit record is from XXXX which was well before the bankruptcy
Product: Debt collection

" XXXX XXXX XXXX '' has sent me debt collection letters a couple of times asking me to pay {$49.00} for XXXX debt. I do NOT owe money to XXXX and XXXX confirmed it over the phone. I replied to the Convergent 's debt collection letters explaining that they've got a wrong person, but they just keep sending me the collection letter. The account # in the letter is not mine and transaction and account creation dates are all wrong.
Product: Credit card

I have been a AAA VISA card holder since XXXX. Outstanding balances were always paid on time. In XXXX XXXX a BofA rep called me and, giving my frequent foreign travels, urged me to take a XXXX VISA card. This XXXX Card was issued the same month to me. On XXXX XXXX this year I informed XXXX that I would be traveling for one week to XXXX XXXX. They put a notice in their records. After arriving in CR I realized that both XXXX cards were refused when I tried to pay with them. I called XXXX, and after being referred to various agents who could not tell me what was wrong, the fourth agent finally told me that the accounts of both cards had been closed on XXXX XXXX and that I should have received a letter in the mail informing me about the closure. But she did say that BofA would not tell me the " Business Reasons " for the closure. Luckily my hotel accepted my XXXX Card which many merchants did not do. 
Upon my return to the US I went to a BofA Branch, I keep a checking account there with substantial balances, and they informed me that my Debit Card had also been closed. They were at a loss why this was done but then handed a copy of the letter to me which seems to be somewhere in the postal system which reads " This letter is to advise you that your above referenced account has been closed because your risk profile no longer aligns with the bank 's risk tolerance. '' By the way my outstanding balance on the Visa accounts to $ XXXX It also informs me that reward points associated with the account would be forfeited. 
The Branch Manager reiterated that Bank of America could not give further explanations for the closure but urged me to contact XXXX to check my Credit Rating and thus find the answer for the closure of my VISA accounts. After checking with XXXX I learned that my Credit Score is XXXX, A, as of XXXX XXXX, that there was nothing delinquent or derogatory. 
To be kind, I find BofA 's behavior bizarre, there seems little interest in good clients.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024, a reinvestigation took place by EXPERIAN because I filed a complaint to the CFPB stating that I never received any disclosures in the mail 5 days after the initial reinvestigation. I requested that the accounts be removed because of the violation. Instead, EXPERIAN reinvestigated the same accounts again and finished the reinvestigation on XX/XX/2024. The accounts were reinvestigated on XX/XX/2024, and updated and verified the same day. I am writing to request a detailed description of the investigation process followed by your agency regarding the disputed accounts on my consumer disclosure report pursuant to the Fair Credit Reporting Act 15 USC 1681i ( 7 ). Under section 15 USC 1681i ( 7 ) credit reporting agencies are obligated to provide a description of the investigation within 15 days receiving a consumer 's dispute. I received notification in my membership account with EXPERIAN saying the accounts listed were verified, but I would like to know what was verified. Can you send me a description of what you verified regarding this account XXXX XXXX XXXX XXXX  Account Number : XXXX Provide the description of the procedure used to reinvestigation this account. If you can't, delete this account immediately.
Product: Credit card or prepaid card

I bought a fence through Lowe’s credit card and the man explained he won’t have interest for two years but he didn’t explain that after two years they tacked on two years worth of interest. I’ve always paid it on time every month till one day I checked my account and it went from XXXX to XXXX I tried to negotiate with them about a payment plan and they’re charging me $XXXX in interest a month when I could only afford $XXXX payment. I’ve talk to manager upon manager and I just don’t know what to do at this point I feel like they are robbing me and miss treating me. Now I got a letter about a lawsuit. Lowes credit card is through synchrony bank
Product: Checking or savings account

Chase Bank On XXXX XXXX XXXX I was the victim of a mystery shopping scam which entailed me unknowingly cashing in fake checks and believing I would be buying gift cards with the check deposit money. I had lost about XXXX XXXX  to the scam, but then another {$1400.00} for cashing in a {$1400.00} check unknowing of its falseness on XXXX XXXX XXXX. The bank took {$1400.00} out of my account after the bank realized XXXX false dollars had been added to my chase debit account on the XXXX, as they should. However, on XX/XX/XXXX, the bank withdrew another {$1400.00} from my account without notice and effectively robbed me of money I did not own for the most part. In other words, over XX/XX/XXXX to XX/XX/XXXX, I have lost about XXXX XXXX to both scams and the bank double-charging for the {$1400.00} value. The XXXX XXXX loss scam that I fell victim to is undoubtedly the fault of both the mobile depositing system being unable to legitimize checks and protect the customers from fake checks and the fact that mobile deposits enter the account before they are confirmed as real legitimate checks. The loss of {$1400.00} on XX/XX/XXXX is once more a mistake by the bank which I in no way should be responsible for, as a fake check should not have gone through in the first place, meaning Chase has not placed measures in order to protect customers from fake check scams and etc.
Product: Checking or savings account

Bank of America closed my credit card, savings account, checkings account and business accounts without a disclosed reason. I have strong suspicion this closure is caused from me being a young, female, XXXX XXXX XXXX XXXX XXXX. 

All accounts were paid on time and were not subjected to overdrafting. 

My accounts will be frozen on the XXXX of XXXX, 2019 and will officially be closed on the XXXX of XXXX, 2019.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting a bankruptcy on my credit report they have put in the data furnisher as been the XXXX XXXX XXXXXXXX XXXX  which is false i have attached a letter from the U.S. bankruptcy court of XXXX XXXXXXXX XXXX verifying and stating that they do not furnish information over the credit bureaus or any credit monitoring service nor do they verify validate any information concerning bankruptcies. XXXX is falsely stating this information on my credit report and have yet to remove this from my credit report. i sent them my credit report showing that the information is inaccurate on all three bureaus im not sure who's right, It has been removed from XXXX XXXX also.
Product: Debt collection

Opened a Business Home Depot Commercial Credit Card XX/XX/XXXX. Account had charges of {$160.00} paid on XX/XX/XXXX. The account was assessed late fees and other fees. I was not aware of charges and did not receive statements indicating there had been charges on the account until Citi Bank called me indicating the account was past due. I stated so Citi Bank since I did not receive statements and was unaware of the charges, it was unreasonable to request these fees be paid. I stated I would not pay for the late fees and demanded for them to be removed as I paid the charges in full. Citi Bank did not comply. XX/XX/XXXX I received a written notice from Citi Bank indicating the account was delinquent by {$35.00}. I have not received any documentation from Citi Bank since XX/XX/XXXX until this notice I received in the last week of XX/XX/XXXX. I have disputed these charges in XX/XX/XXXX and am disputing them again. I spoke with a Citi Bank collections representative XX/XX/XXXX and he indicated the balance was {$99.00} and the account has been sent to a collection agency. Representative would not indicate the discrepancy in the amounts of {$35.00} and the {$99.00} and attempted to redirect me to the collection agency, I denied. This account was closed by Citi Bank in XXXX. I can not access the account online nor any statements. I have requested statements from Citi Bank and representative indicated the request will take 30-60 days to receive statements from XX/XX/XXXX to XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Still having an account listed by name of XXXX XXXX/XXXX XXXX showing on my report ... ... is not mine ... ..XXXX XXXX acknowledged they have no contract with me, they acknowledge thy can not verify who opened account, which is why they also placed in their " internal Fraud file '' ... .yet XXXX, along with other credit reporting agencies continue to permit this to show on my file.XXXX has no document that verifies this account is mine either. So, if XXXX has no documents, XXXX has no documents, Experian has no documents, XXXX has no documents ... ... .on an account that I do n't have/nor ever had ... how is it I am the one left with the XXXX XXXX, and having to deal with BAD INFO??? This system of " credit reporting '' is a very archaic, broken system ... ..of inaccuracies and unverified sources. I am beginning to better understand the system ... .if it 's wrong ... ..list it ... ..if it 's unverified ... ..list it ... ... if it is not theirs ... ... list it ... ... great system of XXXX ... ..who needs ropes and chains ... .. an inaccurate credit report ... which is REALLY A DEBTOR REPORT, replaces ropes and chains mighty nicely.
Product: Consumer Loan

It happened around first week of XXXX 2015. I got a call from a finance company saying they send me a check for XXXX dollars in the mail and it got cashed. I told him I never applied any loan with you guys. He replied they send me a check without applying and they do it all the time but this is the first time it got cashed. So I told him maybe somebody did some fraud to me and asked what should I do now. I went their next day talked with them then reported to the police. next day I went there again signed the affidavit to investigate the fraud through the bank. I did my part as per they said. After that I did not hear nothing from them. Yesterday I checked my credit and now its showing up on my credit and ruining it. I went there yesterday again and asked them about the status of the case which they say is still not resolved and told me they ca n't remove it from my credit. I did not understand many things in this case. How can I be liable for something which I didnot even know of? How can they send a real check in mail without notice or without applying? How the check on my name got cashed without my signature and identification? Now I feel I got scammed and I need help.
Product: Debt collection

Please be apprised that LVNV Funding LLC XXXX XXXX Bank XXXX XXXX are in direct violation of the Fair Debt Collections Practices Act. In my opinion you have violated my rights by : 1. Failing to validate a debt as allowed to the debtor under 15 USC 1692 ( g ) Section 809 ( b ) 2. Harassment of alleged debtor under the " XXXX XXXX XXXX '' subsection of the statute, USC 1692 ( g ) Section 806 ( 5 ) On XX/XX/2021, I sent by certified mail ( receipt number : XXXX XXXX XXXX XXXX XXXX, a request for your office to provide me with proof and evidence of the debt you alleged I owed. Not only have you ignored my prior requests for validation of debt but you continue to report an unverified and disputable debt to the credit bureau causing damage to my character. You failed to validate a debt at my request, which is a FDCPA violation and you continued to report a disputed debt to the Credit Bureaus : another FCRA violation. Everyone is entitled to a validation. In my certified letter that I sent on XX/XX/XXXX I kindly asked for : 1. What the money you say I owe is for 2. Explain and show me how you calculated what you say I owe ; 3. Provide me with copies of any papers that show I agreed to pay what you say I owe ; 4. Provide a verification or copy of any judgment if applicable ; 5. Identify the original creditor ; 6. Prove the Statute of Limitations has not expired on this account ; 7. Show me that you are licensed to collect in my state ; and 8. Provide me with your license numbers and Registered Agent. You may wish to familiarize yourself with what is required when validating a debt. Your business had more than enough time to perform a proper investigation, the 30day mark has come and gone therefore this unverifiable account should be removed from my credit report. There is no question that you willfully violated my rights and that I could bring charges against you immediately. However, I am assuming this has been a terrible mistake on your part and that you will take appropriate steps to enlighten yourself and your staff of such dangerous actions. I will also be checking my credit report to see if you corrected the errors by simply removing this unverifiable account from my credit profile permanently from all 3 bureaus. I must remind you again to not contact me in any way via phone or mail in reference to collecting If I receive anything other than absolute removal of the account from my report, I will assume you are harassing me, and I will take action against you for these continued violations and abuse. As you may be aware, " Estoppel by Silence '' legally means that you had a duty to speak but failed to do so therefore within the 30day period, that must mean you agree with me that this debt is false. I will use the Estoppel in my defense. 
Thank you for your time Sincerely, XXXX XXXX *Proof of my validation and certified receipt accompanies this complaint.
Product: Debt collection

Since XXXX, XXXX has XXXX XXXX as collection agency for a lease for student housing in Virginia. 
I was a parent guarantor ; XXXX approved lease based on student enrollment and Financial Aid. Son withdrew before spring semester, moved out. XX/XX/XXXX. XXXX collections started, XXXX XXXX turned it over to Brett Borland Law Firm. All calls are redirected to Brett Borland and XXXX XXXX was said to be attorney of record and they provided his email. I have since XXXX, sent repeated requests to both agencies and original creditor, to provide the court orders and lease for the amount they are claiming is owed, as they are in violation of state law for landlord tenants. 
This has resulted in inaccurate information on credit reports for myself and my son, and directly affects my ability to obtain Parent Plus Loan as its a negative mark. 
The lack of accountability within XXXX individual locations and record keeping has kept them from providing the information. The names on the lease submitted to me by Borland contains an individual who has never lived at the location or attended the school. My son shared a 4 bedroom apartment with a single male and a married couple with an infant while attending XXXX at XXXX. 
I want the court order judgment. And for this to be removed immediately from all bureaus for myself and my dependent student.