23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

I get a credit card secure from bank of america 8 years a go since that time bank of america denie go give me back the {$500.00}. Of the secure deposit. 
I contacted bank of america and for 6 months they still give me the same answer " bank of america give me a credit card of {$700.00} credit line '' that totally false. I never recive that amount of credit line. 
After one year past i finish the payments of the credit card secure and applied for the credit card and that credit was denied. 
I only need my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/22 ASKED AGENT TO VERIFY WHAT BUISNESS THEY WERE AND HOW I OWED THEM MONEY WHEN I NEVER DONE BUISNESS WITH THEM. AGENT WOULD NOT EXPLAIN HER COMPANIES REASON FOR CONTINUALLY REPORTING THAT I WAS DELIQUENT ON PAYMENTS THAT I NEVER SET WITH THEM. SHE CONTINUED TO WANT ME TO TELL HER MY SOCIAL SECRUITY NUMBER. THIS IS A 2ND OR 3RD PARTY DEBT COLLECTOR OF A DEBT OLDER THAN 5 YEARS. I HAVE NEVER SET PAYMENTS WITH THEM AND OTHER THAN ABOVE DATE NEVER SPOKE WITH THEM. THEY CONTINUE EVERY 3 MONTHS TO REPORT TO MY CREDIT REPORT THAT I HAVE LATE PAYMENTS. PLEASE STOP THEM FROM REPORTING ON MY CREDIT WHEN I DON'T HAVE BUISNESS WITH THEM.
Product: Checking or savings account

On XXXX XXXX noticed amount of XXXX was transferred from my capital one bank account by way of XXXX to another person who I have no idea who he was there was as phone number and a name I contacted my bank filed a claim but they said they can't help I am very frustrated I never use XXXX I need to know what to do here
Product: Checking or savings account

My account was closed by Paypal on XXXX XXXX, 2020 with a balance of {$13000.00}. Paypal has stated that they will hold my funds for 180 days before releasing them to me. I understand that this is a standard policy for merchants who have received these funds as a payment for goods, as Paypal needs to allow the chargeback period to expire before releasing the funds to me. The money in my account, however, was not received as payment for goods. It was received as a peer to peer transfer, which is irreversible, and impossible to have a chargeback filed against. As such, Paypal would need to release my money immediately, as it is not theirs to hold by law.
Product: Debt collection

Original Debt Collector XXXX XXXX XXXX signed a note with us for a reduced debt to be collected with the promise we pay back this debt monthly with no interest ( $ XXXX ). We 've paid this debt continually and on time for 3 yrs. until they sold the debt to Specialized Loan Servicing LLC ( SLS ). SLS claims they did not receive any paperwork of the reduced debt and are now trying to collect the whole sum. I 've sent them the note ( notarized ), I 've sent all my bank statements as proof of uninterrupted payments. THEY still do not believe me. I 'm exhausted with 7 months of this go around. They state XXXX will not communicate the debt to them. We are stuck in the middle. It is not our problem that XXXX sold them a debt that they did not confirm.
Product: Debt collection

On XXXX, 2020, I pulled my credit report from XXXX and went over it and found out multiple accounts that were not mine, several years ago, I lost my personal documents, that could be a reason of why those unknown accounts were on my credit report. I have no other reason but to believe that I am a victim of Identity Theft, I am currently dealing with Identity Theft Issue with the credit bureaus since I found out, I am almost done, except that I recently review my updated credit report and found out that one of the accounts that was removed from my previous dispute, came back with a different collection this time, the collection name for the alleged debt with XXXX is CREDENCE RESOURCE MANA, I definitely don't recognize this account, the account doesn't belong to me, please stop further collection activities and remove the account from my XXXX and XXXX  credit report.
Product: Debt collection

on XX/XX/2022 XXXX XXXX  opened up a collection. 
account number {$2000.00} that I owe I have never signed any written document saying that I owe this debt to the collector. 
They are violating my rights of the FCRA as a consumer. 

I do not know who they are and have not written consent from my end. 

Also they have not verified that I owe this debt to this alleged company. 
Please have this removed from all three credit bureaus. 

XXXX XXXX
Product: Checking or savings account

I was seeking to pay a house contractor for services provided. After logging into my Bank of America account, I tried to make a transaction using XXXX. The amount exceeded the approved limit by {$800.00}. I recreated the transaction within the approved limit and was stepped up to SMS-OTP and successfully verify my identity. The transaction still did not go through and I received a text message to call a certain number to talk to Bank of America. When I called the number, the agent asked questions about my PII, and then asked me to read them back a new SMSOTP passcode. The text message I received specifically said DO NOT share this code. We will NEVER call you or text you for it. Since I do not want to be phished, I did not provide the code. The only option provided was for me to go to a Bank of America branch and provide multiple forms of identity, even though it was after hours on the weekend. 

After 24 hours, the transaction was declined with the stated reason that We werent able to complete your transfer because the recipients email address is no longer registered to receive transfers. I contacted the contractor ( recipient ) and verified this is not true. 

I am now no longer able to login to my Bank of America account, despite having an account for decades. When I tried calling the number provided in the app for support, I was told that it was after hours and they could not help me. 

It is fundamentally unacceptable for a XXXX terribly ineffective and inaccurate fraud program to lock out a longtime customer from their primary checking account because they dont know how to do proper fraud protection. I am currently unable to access my bank account and have no recourse.
Product: Credit reporting or other personal consumer reports

Information on credit reporting agency 's such as XXXX experian, and XXXX had mismatched Information regarding my personal information such as work history, credit reporting agency have open account that can be closed and taken off due to debt no longer exists but says active on my report by the name of XXXX XXXX XXXX, debt collectors such as portfolio recovery do not have a signed copy agreeing to pay back debt to collection agency that bought debt from original lender,
Product: Credit reporting or other personal consumer reports

I have recently viewed my credit report and it displayed inquiries I am unaware of. 

I called the XXXX reporting agencies and let them know the inquiries for XXXX XXXX XXXX on XX/XX/XXXX and XXXX XXXX XX/XX/XXXX, are not supposed to be visible on my consumer report because I never gave them written permission and this is considered aggravated identity theft. I requested it to be removed and it has not been removed and it has been more than 30 days since my initial request. 

I called Equifax to let them know the inquiry made on XX/XX/XXXX, by XXXX XXXX XXXX  are not supposed to be visible on my credit report. 
I never gave them written consent to report them and this is considered aggravated identity theft. I requested it to be removed and it has not been removed and it has been more than 30 days since my initial request.
Product: Consumer Loan

I received a car loan from AFS corporation on XX/XX/XXXX. I have been paying on loan regularly and on time. The monthly payments were around XXXX dollars a month. I paid almost XXXX dollars into the vehicle until, I lost my job XX/XX/XXXX in which I was with for over five years. I have been reaching out to the finance company in which I thought would be their for me. I was wrong, I tried borrowing the money I could not get any help due to my family members having it hard themselves. XX/XX/XXXX the vehicle was gone it was repossessed. I knew they would come and get it soon, but they took it like a thief in the night. I would have given them the keys, if they would have rung the door bell, because of the non payment. I had items in the vehicle in which the company never returned. I started receiving phone calls from my representation whom was XXXX XXXX then it was given to another individual by the name of XXXX XXXX. I was looking for a job everyday nothing, I even filed for unemployment in which, i received but found out I owed a over payment and that money, I was goingXXXX to receive was being paid towards that amount of XXXX dollars. I loved and worked hard for this vehicle to loss it. So after speaking with XXXX for a while it was then transferred over to XXXX XXXX whom I spoke with on a continuous basis. I even filed a complaint with the XXXX and we can to an agreement of {$3000.00} XXXX XXXX even agreed to it on the phone my boyfriend even heard him say it and after he agreed he hung up after hearing my boyfriend voice on the phone, he thought we were the only ones on the phone, I needed proof form another party. I later received an agreement settlement for {$6000.00} in which I never agreed upon so the XXXX closed the case. The vehicle was later sold at an auction, in which I was never informed of the auction date, time, or location. They never gave me the option of getting the vehicle back. I received a letter stating I owe XXXX dollars? How is that possible when I paid that much into the vehicle, time passed and nothing was said it only showed charge off on my credit report. I started cleaning up my credit report in which I hired a company to do, then I received a letter from XXXX XXXX XXXX a firm in XXXX, XXXX whom is representing AFS in XXXX, XXXX they file a summons against me. I was hurt and disappointed that this company received all this money and now this they are so dishonest. I responded to the summons but it was to the XXXX and XXXX I did not read full document. I was to respond to the court, after speaking with a lawyer, I responded to the court now am waiting on response. I have documentation from XXXX and the company. I may owe something but not XXXX dollars the loan amountt was only XXXX this make me feel humiliated knowing this company is lying against me. I just want to pay the different and move forward and that difference is not XXXX dollars. I need help please
Product: Credit reporting, credit repair services, or other personal consumer reports

I Purchased a car with Carvana LLC. During the purchase they used a Voluntary ach payment form and an email deceptively ( 15 USC 1692j ) to on board me onto XXXXXXXX XXXX XXXX  XXXX says that when you use their system you are obligated to the debt of the account. I paid via ACH {$12000.00} by this deception. 
( attached is an affidavit by another agency showing how this deception works ) I have no contract with XXXX, nor is XXXX  in my contract. XXXX is the servicer for the securities created by Carvana XXXX XXXX XXXX. They have my car listed in Carvana XXXX XXXX XXXX XXXX under asset Number XXXX. These securities were never disclosed to me during the loan/contract process. 

I revoked the given security interest and sent them a cease and desist. XXXX was never authorized to report to credit bureau nor use my Social Security Number at all. This company is reporting under 2 different names and are decimating my credit. I have filed disputes, provided evidence that I have no contract with XXXX therefore I have no account with them. XXXX refuses to send any billing statement by mail even after requesting all communication by mail. 

The contract with carvana contains no assignments and the consumer claim post is printed with additional endorsements,
Product: Credit reporting or other personal consumer reports

am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. F urthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fai

r Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as
highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent letters to XXXX, Equifax and XXXX requesting removal of XXXX. XXXX Bankruptcy. I sent with dispute letter information from Northern District of Georgia United States Bankruptcy Court stating, They do not report any Bankruptcies to Credit Agencies. If thats the case. How did the Credit bureaus edify my bankruptcy as 100 % accurate. They never did a fair investigation according to the 15 U.S.C. 1681.

15 U.S.C. 1681 section 603 ( 3 ) ( E ) States : The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 
15 U.S.C. 1681 section 604 A section 2 : It states that a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C. 1681 section 602 A : States I have the right to privacy.

Also, according to 15 U.S.C. 1681s-2 ( A ) ( XXXX ) : 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. 

15 U.S.C. 1692C : Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 
Credit Bureaus have violated my rights numerous times. 
I havent given credit agencies written permission to furnish this information on my credit reports this is grounds for Removal.
Product: Debt collection

I have been called several times repeatedly for owing a bill that is old and should have already been deleted from my credit report but theyre constantly reporting it as recent. Ive been told that if I dont handle the matter that they will go to the next step in a threatening manner.
Product: Checking or savings account

Yesterday XX/XX/2024 I was called by numbers XXXX, XXXX, XXXX, XXXX, and XXXX and I did not pick up. I then began to receive emails from Credit Karma ( my bank ) saying that my number was updated to XXXX which is not my phone number. I called credit karma to tell them that it was fraud and updated my email address to a new email. I then tried to reach out to Credit Karma Customer service in which I told them my account was hacked. They told me I had to send an email to their support and helped me with cancelling my card. Upon ordering a card I received a new debit card, changed my email, changed the pin and hours later over $ XXXX was stolen from my account. These transactions went to numerous cash app accounts that I have never done business with, and credit karma failed to protect me. The XXXX XXXX names are as follows : XXXX, XXXX XXXX, XXXX XXXX, and a credit of XXXX from XXXX XXXX, that I did not authorize. The money was transferred from my savings to my checking and sent to all of those names on XXXX XXXX. Credit Karma is not helping at all!!! Please help me.
Product: Debt collection

My grown son, XXXX XXXX, opened an account with XXXX XXXX. He was estranged from us ( I am his dad ) and he passed away of a drug overdose on XX/XX/2023. A representative contacted me a couple of months back asking for XXXX to recover the amount of {$120.00}. I informed the rep of his death and she said not to concern myself with the debt, and that XXXX would cancel the debt. Then we got a letter for collection from Diversified Adjustment Service in XXXX, MN. The representative there said to contact your bureau and to submit his death certificate. It is attached with the letter that Diversified Adjustment Service sent to us. We are not liable for this debt as XXXX was out of our home, homeless and addicted to drugs when he opened an account with XXXX. Please reference the attached documents for further action.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pennsylvania XXXX XXXX XXXX 2017 ABC Financial Services XXXX XXXX XXXX XXXX Arizona XXXX  RE : Cease and Desist from Collections Dear : ABC Financial Services On XXXX XXXX 2017 I was contacted by one of your employees by phone, email and text message from ABC Financial Services regarding account number XXXX. I spoke with an agent by the name of XXXX and I requested that I do not want to be contacted by ABC Financial Services any longer. At this time I would like for you to make a note that I am disputing this claim and that I do not believe I owe this balance. Furthermore I am respectfully requesting that you refrain from contacting me by phone, email and text messages. Please refrain from using such methods as skip tracing, by contacting my relatives and employer. Do not contact met at all!
Your continues calls, emails and text messages and such conduct has caused me to suffer humiliation, embarrassment, emotional distress and physical discomfort. Please take a note that any future unsolicited methods of contact will be reported as multiple violations enacted by the Federal Trade Commissions Fair Debt Collection Practices Act including sections > 805. Communication in connection with debt collection 806. Harassment or abuse 809. Validation of debts https : //www.ftc.gov/enforcement/rules/rulemaking-regulatory-reform-proceedings/fair-debt-collection-practices-act-text I HEREBY DEMAND THAT YOU CEASE AND DESIST all future calls, emails and text messages and that you update your records immediately. If action is not taken by you to cease and desist as soon as this formal letter is received. Failure to comply with my request will leave me no choice but to take appropriate legal action against you including but not limited to filing a report against your company under the Fair Debt Collections Practices Act.
Sincerely, XXXX XXXX XXXX
Product: Debt collection

PORTFOLIO RECOVERY ASSOCIATES has made several calls before XXXX, the last being XXXX The time previous to this last call I had informed them I was in California and what time it was here - XXXX They are calling from XXXX VA. and chose to ignore the time difference.
Product: Student loan

I have been paying off my college loan for 21 years. My balance was initially XXXX. It is or should now be {$6300.00}. but Navient capitalized another {$3300.00}. or XXXX % increase on top of the principal. Raising the balance to {$9600.00}. something. I am at the library left the bill at home so the figures are rounded off. I asked them about a month ago to explain how they applied the interest for capitalization. In the literature they advertise to potential students even at this moment is a complete lie. They say that capitalization occurs at the same rate as the interest you have on your loan. Then how come it comes out at XXXX % when the most level of interest on my loans is XXXX or as they put it 3.45 %. I read almost all of the complaint, well really about half of the XXXX complaints in your database, from XX/XX/XXXX back to XX/XX/XXXX and it was about XXXX per day. Just think of it that is just the tip of the iceberg. Because there are probably many other financial victims suffering this abuse in silence. Please help right this wrong. I think I can also contact my Assistant District Attorney in XXXX XXXX CA. As they handle consumer complaints and fraud very effectively. 
Can you help me?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of Identity Theft as well as several Data Breaches. The latest being Equifax Information Systems. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting in several Inquiries all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been  performed for a reasonable conclusion has been determined.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized, and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report, and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report. I have placed multiple disputes and complaints, and police reports with these companies, but these companies continue to show neglect by refusing to remove the accounts. These companies are continuously unreasonably halting commerce and have damaged my relationship with other creditors and have hindered my ability to obtain certain licenses with the state. This is a recurring problem that needs to be rectified. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission 's Identity Theft Affidavit in regard to this incident. in addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items. If the accounts are not removed a federal charge will be filled against the following companies " CAPITAL ONE, XXXX XXXX CONSUMER DISPUTE CENTER, XXXX, XXXX ". This charge may lead to a lawsuit. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX Speedy Cash continues to change the date on my credit report as current This bill is over XXXX years old They are claiming I opened it XXXX  months ago In the amount of {$1200.00} I have disputed in with the credit reporters but they say it is following the guidelines FCRA