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

While I was out of the country, my identity was stolen, including SSN, my home address, e.t.c., and based on the stolen information somebody applied and obtained credit card on my name, then got cash advance, transfer this money to someone's bank account, and withdraw cash in amount of {$6500.00}. When I returned to US and got credit card statement, I immediately notified Bank of America. Also I wanted to report to police but they refused to accept my complain without Bank of America affidavit. After several phone calls to the bank fraud department and 6 weeks of waiting I finally received from them the fraud statement form, filled it out and sent it to the address listed on the statement along with required paperwork. Today I received an answer from the Bank of America fraud department that my claim is not honored because they can not verify unauthorized money withdrawal. It is totally outrageous!
Product: Credit reporting or other personal consumer reports

My car was a total loss in XX/XX/year> by XX/XX/year> XXXX  insurance took ownership of the car. XXXX paid the remaining balance and XXXX paid too. A balance remains on my credit report along with XXXX past due payments that were not past due. I called the bank and they refused to talk with me about this. I was transferred to someone else who also refused to help with the account. I reported this information as incorrect on XXXX and XXXX credit agencies. This is causing issues with my mortgage company and my credit report. XXXX  insurance took ownership of this car and made payments. I am not liable for anything else on this car.
Product: Debt collection

MACYS/XXXX  XXXX This debt was paid and closed on XX/XX/2020 however my credit file still shows a balance. The balance should be reporting as XXXX! This is preventing me from getting the credit I deserve and needs to be corrected or delete the account right away!
Product: Checking or savings account

I scheduled at the beginning of the week, a XXXX internal automated transfer to cover my upcoming charges on my checking for XX/XX/year>. 

Capital XXXX told me the automated scheduled transfer was only executed at XXXX XXXX. 

But it also received legit ACH withdrawal requests few minutes after midnight, meaning about XXXX hours before the automated transfer was executed. This caused withdrawals to be rejected for lack of funds. 

Because of this sequencing / ordering, where XXXX XXXX executes scheduled/planned internal automated transfers XXXX hours after it accept external ACH withdrawals, it does allow the balance to become negative and therefore reject XXXX requests ; even though with the right timing and sequencing, all the transactions would have been covered.
Product: Credit card or prepaid card

I have had my Bluebird XXXX  for years. I rarely use it or load money on it but only use it in extreme circumstances. Well I last used in last year and I recently loaded {$170.00} and {$33.00} and {$200.00} and so when I went to pay my car payment with this card I rarely use I was shocked when it didn't work. I called and did a dispute and they only credited {$17.00} and sent a new card. Unacceptable I told the rep distinctly what I was disputing and it wasn't done correctly at this point I just want my money and to close this account completely
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX shows a balance of {$7400.00} ( Account opened XXXX ) I contacted the company 3 times via telephone & 2 times via mail requesting the VIN # of the vehicle and the amount the vehicle was either resold for or sold at Auction for and notifying them that legally that amount had to be removed from my remaining balance - The company refused to give the requested information - Also refused to adjust the balance. 

Request that the balance be adjusted /corrected and or removed from my credit report
Product: Debt collection

On XX/XX/2021 at XXXX XXXX  and XXXX XXXX, respectively, I received 2 back-to-back calls from phone number XXXX stating the following " We have a message from State Collection Service ; this is a call from a debt collector please call XXXX '' ( and the second voice mail left the exact same message, but with phone number XXXX ). 
Upon researching State Collection Service, I discovered they are located in XXXX, WI -- an area code of XXXX, NOT XXXX ( which is norther MN area code ). I also read their MANY customer reviews, 95 % of which accused State Collection Service of being fraudulent and/or collecting debts in illegal manners that do not comply with standard debt collection practices ( over charging their credit cards, threatening them, using vulgar language, reporting non-payment to the credit bureaus even when they paid, etc. ) I have ZERO debt, as I pay my bills using automatic payments to my credit card ( and then pay that down to XXXX multiple times each month ). Things like my mortgage are ALWAYS paid on time, and my auto loan is so new that I do not even owe my first payment on it yet. 

I had ONE case where a medical bill of {$25.00} was sent to collections ; however my paid-in-full check for {$25.00} was in the mail at the same time that XXXX sent that past-due bill to collections, and this was after their representative told me NOT to pay it as my assistance application was being reviewed ( to which I have still not heard back regarding that status, hence why I just paid the {$25.00} off in full. ) -- ALL of this was explained to the debt collector who called me. That issue was no more, as XXXX received my payment, and all debts were settled. 
I have recently ( and by recently, I mean yesterday ) looked to see if I had an ( y ) outstanding bill ( s ) with XXXX as I have been going in for numerous appointments as of late to diagnose potential XXXX. My running balance as of XX/XX/2021 is {$0.00}. 

Due to the fact that my ONE collections experience was a total mishap, my recent balance due being {$0.00}, all bills paid up in full amounts owed for the period, and the fact that I manage my finances EXCEPTIONALLY well, I do believe that this attempt to collect a debt ( that I obviously do not owe ) is FRUAD, and I would expect that this report be taken seriously so that someone in a less-managed position than I am in can avoid being taken advantage of by these criminals.
Product: Credit reporting

Equifax refuses to acknowledge a letter I submitting stating this is not my account. The Account is over 7 years old and they are violating the FCRA Credit Laws by continuing to report the account
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called ( and spent hours on hold ) to get in touch with all three credit agencies. 

All three of them are incorrectly reporting my credit usage ratio. They show a much lower line of credit ( almost {$60000.00} ) than what I have. Consequently, the balance that I have on my credit cards is showing in the 33+ % range, whereas it should be under 20 %. Consequently, my FICO score is much lower than it should be. 

I have called each bureau several times to try to correct this. Invariably, they point the finger at my credit card companies and say they " must not be sending in your credit report ''. I've called every one of my credit card companies and confirmed that they are sending credit reports on a monthly basis. 

I have been trying to get this corrected for months, only to see no change in their erroneous reports. 

MyFicoReport today said I should contact you. I hope you can help because I want to refinance my home while the rates are low, and I want my FICO score to accurately report my status.
Product: Mortgage

Lender imposed insurance for no reason in XX/XX/XXXX. We have always had proper insurance with no lapse in coverage. After more than a year and dozens! of phone calls the with customer service reps in Florida, Michigan, Chicago, and XXXX, and Escrow and insurance reps in Florida and Michigan, and conference calls with both departments my problem has still not been solved. Everyone promises to call me back and no one does.

I need a proper escrow analysis which doesnt impose the incorrect lender insurance policy and credits my escrow account for the incorrect charge. They admit I never need the insurance. I have sent proof of my insurance for over a XXXX  multiple times. They always say the back office is dealing with it and we cant call anyone to help because they dont take calls, and a few more days, and we just need more time, and be patient. They have been taking thousands of dollars out of my account each month over the correct amount that should be PITI. They have inflated the Taxes and Insurance amount escrowed each month by thousands of dollars. They wont do an escrow analysis even though they say they will. It has been months of calls and trying to get help. I have detailed notes of every phone call I have made. Please help me. They are stealing my money each month.
Product: Checking or savings account

I have fraudulent charges in my account in the amount of {$1500.00} One transaction was sent XX/XX/XXXX and the other XX/XX/XXXX. I am filing a dispute to get my money returned to my account
Product: Credit reporting, credit repair services, or other personal consumer reports

unauthorized hard inquiry SYNCHRONY FINANCIAL ( Finance ) XX/XX/202XXXX XXXX
Product: Debt collection

I sent a letter via certified mail in XX/XX/2020 requesting a signed contract between myself and Trident Access Management. They responded by sending a letter saying that the debt had been purchased by XXXX XXXX XXXX and that they were just the ones reporting it to my credit. They have yet to provide any signed contract of proof that I owe them or XXXX XXXX XXXX. The contract that was sent shows I only have a signed contract with the XXXX XXXX XXXX.
Product: Debt collection

About a two months ago, I began receiving threatening phone calls from a debt collector service regarding a online payday loan that I never received. The company threatened that I committed check fraud and that there will be someone coming to my job to arrest me. I spoke to an individual who was very nasty and would not give me much information. They told me I better pay the loan and hung up. I called back and was extremely upset about this call. I was finally able to speak to someone to explain that I needed to pull my bank records from XXXX 2011. I went to the bank and pulled the information and called this company back and was told to fax the information in. WelI, I faxed in this information and called again speaking to different people and I was told that I was okay and should not get any more calls. Two days later, they began calling my cell, my father 's telephone number and my home number. I again attempted to call and explained what I was told and I reached the same nasty person STATING THAT I BETTER PAY THE MONEY AND HUNG UP. I proceeded to keep calling to get someone different and never did and then the gentleman stated that he would have them come after me for harassment. I could n't believe the conversation. I faxed the information again and left it alone. Three weeks later I receive a call on my telephone from a woman stating that she has my business address and have been given some paperwork to have me picked up and processed for this outstanding charge that I never had. This time the amount was huge and they stated that I had to pay it in order for me not to be arrested. With my job on the line I paid XXXX dollars allowing these people to have my debit card. However after getting off the phone crying, I began to contact people and told them what happened and they informed me that I was duped out of my money. The dept collectors company from the XXXX call never provided their name and all I have is telephone number XXXX and the payday loan they mentioned was XXXX XXXX. The next debt collector did provide their name XXXX XXXX XXXX located in PA and XXXX as well as the person who called to threaten that I would be picked up, XXXX. I have tried to call this number back and no one will pick up. I was given a name XXXX XXXX and the company that is now stating I owe for a payday loan is now call Midland Funding.
Product: Credit card or prepaid card

When I signed up for the secure Capital One card it was advertised to report to all 3 credit bureaus. I have had the service close to 8 months and they only report to XXXX. I called about 3 months after I joined and the representative said sometimes it takes a while but by 6 months I should see it reporting but that still isnt happening. I love the service I am getting with Capital One, I just wish they reported to all 3 credit bureau 's like they advertised.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep dissatisfaction and disappointment with how your bureau has handled my identity theft complaints. This issue involves not only the theft of my personal data but also the apathetic approach your bureau has taken in managing my situation. 

I have provided all necessary documentation, including the FTC report filed with the Federal Trade Commission, to prove my innocence and the criminal nature of the actions. Despite the gravity of the situation and its profound impact on my life, your bureau 's response has been alarmingly lackluster. Communication regarding the status of my disputes has been minimal, and the responses I have received were generic and unhelpful. This lack of attention and urgency has left me feeling ignored and abandoned by the institution I relied on to protect my credit and financial well-being. 

I urge your bureau to take my identity theft case seriously and expedite the investigation process. Please thoroughly review the evidence I have provided and promptly remove the fraudulent accounts and transactions from my credit report. Additionally, I request that you take steps to prevent such incidents from happening in the future, as it is clear that my personal information was mishandled and abused. 

ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and Bankruptcy XXXX XXXX XXXX Date Filed XX/XX/year> reference XXXX.
Product: Credit reporting or other personal consumer reports

According to my recently pulled credit report, Bank of America checked my credit report on XX/XX/year>. I did not authorize this. I contacted them and was advised that they did not have an application under my SSN.
Product: Debt collection

The open dates for are not accurate and the account numbers are invalid. XXXX  never represents or corresponds to approproate account informations. Its been more than 6 months and you have never given me any response to my request to validate the debt and of its origin. I have never given any approval or permission for you to report this account. 

This is a violation of my rights as a consumer. I will be seeking legal assistance due to noncompliance with 15 U.S. Code 1681 ( e ) ( B ) and Metro 2 Compliance Standards, there are multiple deviations, deficiencies, inaccurate information, and unauthorized information listed on my credit report. Please remove these accounts referenced from my credit report.
Product: Debt collection

This is not a valid debt. I told the company this and they refuse to remove the account from my credit yet the original creditor deleted it as this is not my debt. Legally they had 30 days to respond with a signed application showing it was opened and all statements showing debt. they did not provide this and continue to ignore the disputes by credit bureaus
Product: Credit card or prepaid card

on XXXX  I paid my Bank of America credit card in full using BOA portal. conf # XXXX. The payment cleared my checking account. On XXXX  I learned the payment was never credited to my account. XXXX in SC advised it takes 10 days to correct. Advised my payment was posted to a closed account I was affiliated with and could give no further info. As of XX/XX/XXXX this has not been corrected. I have called BOA multiple time. XX/XX/XXXX spoke with XXXX in TX, referred to XXXX in MD XXXX XXXX, to XXXX in XXXX XXXX  to XXXX XXXX cards to small business, back to XXXX in CA in XXXX XXXX - was disconnected. XXXX XXXX in DE XXXX XXXX was very helpfull said goes to payment research takes 1-2 billing cycles and will be refunded interest and late fees. My card maxed out in the process and I was told I could make another payment or request a credit limit increase. This is a ridiculous amount of time to wait for the correction in todays world you can money around the globe very quickly. 
I would like my account corrected immediatley and fees and interest refunded.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion I contacted and the rep told me that what ever is on my account stays on my report for 2yrs. However, I used my account for a car from XXXX in XXXX, az. Then at XXXX in XXXX, az. Before that I bought bedroom mattress queen set ( bedroom store ) in XXXX.Making monthly payments each month. Then I bought a living room set from XXXX XXXX in XXXX. Again making monthly payments still not reported. Now I know dealership call several companies to get a loaner, but not that many. I really need help with this because I have sent then companies : TransUnion, XXXX, XXXX. Copies of fully paid off accounts etc. And they will not take it. And there are companies I do not know about. Sorry I for got to tell you that the Hard Inquires on my credit report are not mine not all of them. Please help me. They need to be removed.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX. 
XXXX, MI XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Re : Dispute of Late Payment- Request Update to Positive Status To Whom It May Concern, I am writing to formally dispute a late payment reported on my account, Account Number XXXX, for period ending XX/XX/XXXX. According to my records, I have consistently made timely payments and was never late on this account. Therefore, I request that this inaccurate late payment be corrected to reflect a positive payment history. 

Under U.S.C. 1666b ( Regulation Z, Truth in Lending Act ), payments are considered timely if they are received by he creditor no later than the due date, or within a reasonable grace period if one is provided. I have always ensured that my payments were made within the time frame specifically by my agreement, and there were no delays that would constitute a late payment. The law requires that creditors properly account for the timing of payments, ensuring that payments are not incorrectly marked as if they were made on time or within the grace period.

Additionally, as outlined in the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681 ( a ) ( 2 ) ( A ) ( i ), all information reported to the credit bureaus must be accurate and complete. Since I have made timely payments in accordance with the terms of the agreement and the U.S.C. 1666, the reporting of a late payment is erroneous and violates my rights to have accurate information reported on my credit report.

I kindly request that you review the payment history for my account, as I have consistently made payments on or before the due date. If you determine that the late payment was reported in error, I respectfully ask that you update the account status to reflect a positive payment history or, if applicable, remove the late payment from my credit report entirely. 

Please let me know if you require any additional documentation to assist in resolving this matter. I trust that this issue will be resolved swiftly, and I appreciate your prompt attention to ensuring the accuracy of my credit report. 

Thank you for your cooperation. I look forward to your timely response. 

Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

I was looking for a home to rent in my area. I came across something in my price range and reached out to the " owner '' of the home. We spoke over email and text messages. They sent me an application, I filled it out and returned it to them. They approved my application and we spoke more. I went and looked over the home, people living there. I didn't think much of it. The " owner '' then requested I pay a deposit, I did that through my bank as a transfer. They received it and requested I pay first months rent before sending me everything that I need to move in. I politely declined. Then realized after I had sent the initial {$990.00} that it was a scam. I sent them the {$990.00} on XX/XX/2021. I went to my bank immediately on XX/XX/2021 to file some sort of report and try to get my money back. I went directly to a Navy Federal Credit Union branch, whom I've had an account with for almost 10 years. They filed a Fraud Dispute and gave me the paper work. I received the money back into my account on XX/XX/2021. I was under the assumption things were good to go. I then received a letter stating my dispute was denied and I am now responsible for the {$990.00}. A Navy Federal employee that I spoke with after I received the denial letter said that there was nothing they can do for their members that have been scammed. There is no protection for members in this. The scammers will win every single time. Which is extremely unfortunate. I never made a police report due to going directly to my local branch and they taking care of it. I was never advised to make a police report either. It's been a whole month and the scammer has moved on. There is nothing that can be done for myself or any other member.
Product: Debt collection

LVNV FUNDING LLC XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, SC, XXXX To : The Office of Registered Agent for XXXX XXXX XXXX From : XXXX XXXX Regarding : Unauthorized Administration of the XXXX XXXX My credit report shows a collection from your agency. I was never notified of this collection. Whats more, I do not believe this debt is accurate. Under the FAIR DEBT COLLECTION PRACTICES ACT, I have the right to request and receive validation of the debt. Therefore, please provide me with a copy of all the following : 1 ) An explanation of what this alleged account balance is for. 
2 ) A calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct. 
3 ) Documentation that shows I agreed to pay this debt with my signature. 
4 ) The Agreement that grants you authority to collect on this alleged debt. 
5 ) A copy of your state license, including license number that give you rights to collect in my state. 

You will forthwith return and transmit your written evidences of your delegated authority to represent that you and XXXXY XXXX XXXX XXXX is authorized to administrate ( acting trustee ) on the XXXX XXXX, together with a certified copies of signatures contract between you and XXXX XXXX, you and original creditor, bonds, original creditor Charge-off documents, sureties, indemnification, insurance and any Third Party Debt Collector Association Agreement passing XXXX XXXX private information to other members, possibly resulting in identity thief. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the XXXX XXXX. Courts require your contract for jurisdiction. 

Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act. 

Also you have committed the following FDCPA Violations : XXXX. Harassment and abuse XXXX. False or misleading representations XXXX. Unfair practices XXXX. Validation of debts Stop contacting me about this or any other matter you have. I also submitted this letter to the Consumer Financial Protection Bureau ( CFPB ), My State Attorney General Office and ThXXXX XXXX XXXX XXXX. You have 15 days from the date of this letter to respond with all items requested or remove this item must be removed immediately or I will seek litigation for Monetary damages. 

Consumer disputes this debt and ALL claims in accordance of 16 CRF 433.2, Title 15 USC 1692, Regulations Z, Regulations M and ALL applicable UCC Articles. If you lack understanding of this paperwork, forward to your ATTORNEY. 





By : XXXX XXXX