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

I am writing to dispute fraudulent accounts that were opened in my name due to identity theft. I have already reported this incident to the Federal Trade Commission ( FIC ) and filed an identity Theft Report ( FTC Reference No. : XXXX ). Attached, please find a notarized identity theft affidavit as well as a copy of my complaint with the FTC for verification. The fraudulent accounts in question are : 1. XXXX Account 2. XXXX XXXX XXXX These accounts were opened without my knowledge or authorization. Under the provisions of the Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C. S 1581c-2J, as a victim of identity theft, I have the right to have these fraudulent accounts removed from my credit report. Furthermore, I request that you block these fraudulent items from appearing on my credit report, as mandated by [ 15 u.s.c. s 1681c-2 ] and [ 15 u.s.c. s 1681i ]. To support my request, I have included the following documentation : A copy of my government-issued lD ( to verify my identity ). The notarized identity theft affidavit. A copy of my FTC identity Theft Report. Proof of my address ( e.g., utility bill or bank statement ). Please conduct an investigation and notify me of the outcome in writing. Given the requirements for handling identity theft claims, I expect that this investigation and any resulting corrections to my credit report with be completed promptly.
Product: Debt collection

On XX/XX/year> an address in the state of Michigan belonging to a family member attempted to be served papers in my name. I am not a resident of Michigan, have not been a resident of Michigan in several years. SOFI has filed a lawsuit against me in an entirely wrong jurisdiction which violates the FDCPA. The law firm acting on behalf of SOFI also partaking in the FDCPA violation is XXXX XXXX XXXX XXXX. Lawyer name on lawsuit is XXXX XXXX who is also violating FDCPA
Product: Payday loan, title loan, or personal loan

In early XX/XX/XXXX PNC Bank ( updated ) installed a new HELOC program, changing/updating all components of existing loan, ie. account numbers, the way payments are applied. They suspended all activity for a week. I was unable to make any payments, transfers, etc. for that period of time and unable also to see my balance online. 

On XX/XX/XXXX I went to the branch in XXXX NJ to make a principal payment on my HELOC of {$5000.00} and to inquire why there was a payment made automatically of {$130.00} to principal. It was supposed to come out automatically, and it did, but it incorrectly applied payment to principal, making the standard pymt for XX/XX/XXXX unpaid, due to system " glitch ''. I sat down with a branch employee to correct problem and was there between a 1/2 hour to an hour waiting for someone from the HELOC department to assist and correct this problem ( I had been on the phone the day prior on hold for more than 1 hour trying to solve same problem ). Finally on XX/XX/XXXX the payment was reversed and reapplied and showed as " other '' payment. No indication what portions were applied to principal/interest. My {$20.00} online payment from that same XX/XX/XXXX day was also incorrectly posted as interest. After numerous phone calls and hours on hold the problem has not been solved. I was promised on XX/XX/XXXX by a Manager of the Escalation Department that all would be corrected by Monday, XX/XX/XXXX and that she was sure this was enough time for the problem to be fixed. I called again on XX/XX/XXXX and left her messages and spoke to another Manager of Escalation Department because I was unable to reach her or hear back from her. I was assured the problem was being worked on but that the department that investigated had not completed the task. 
On XX/XX/XXXX I called Manager of Escalation Department again and I was told again that the department was behind in correcting problems. She promised to get back to me as soon as she heard problem corrected. It is now XX/XX/XXXX and there has been no corrections, updates, communications from the department, but there have been additional misapplications of payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 
FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX/XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX - Account # XXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. XXXX  XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX.. 
6. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
7. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : 1. XXXX XXXX on XXXX XXXX Reported Identity Theft ) 2. XXXX XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX XXXX XXXX  XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX  on XXXX ( Reported Identity Theft )
Product: Credit card or prepaid card

I made a purchase from the company XXXX with 18 months without interest that expired on XX/XX/2022. But before the date expired i spoke with someone from customer service and I asked her " if I did not pay my balance in full, what would happen? '' and she told me that they were going to charge me interest on the remaining balance.which for that time was about {$400.00} dollards. Y last balanced show that they charge me {$620.00} for due to expiration plan charge and I feel vetrayed by the person I spoke and the company because she works with XXXX
Product: Debt collection

Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX  Attorney General and FTC
Product: Credit card or prepaid card

I filed dispute with BofA against XXXX XXXX  XXXX ( XXXX ) in XX/XX/XXXX for an amount of {$2400.00}. I provided over thirty pages of documentation supporting my dispute. I highlighted instances where XXXX personnel where confronted with lies, which were not denied, or challenged. XXXX agreed to complete the work needed ; however, because they were not trust worthy I expressed my desire for a credit to get the work done elsewhere. At this point, XXXX became disgruntled and cut off communications after accusing me of extortion. I informed BofA of XXXX despicable accusation and they informed me not to contact XXXX from that point on, which I complied. 

BofA claimed they hadnt received the required information by the XX/XX/XXXX deadline and closed the claim, even though the information was faxed to them on XX/XX/XXXX. Once I realized the claim had been closed I called them, they reopened the case and later applied a credit in XX/XX/XXXX. 

BofA once again closed the claim in XXXX of XXXX, claiming that information had not been forwarded ; however I never received any notification for additional information in the form of a letter, email, phone call, or text message. All I received was a notification that the case was closed. This is in stark contrast with the messages I received persistent text messages for an account balance that was under dispute, and rightfully should not be up for collection in XXXX of XXXX. 

I called and they reopened the case, but didnt remove the charge from my account. 
XX/XX/XXXX I forwarded the additional information requested and have yet to receive a response on my claim status after several follow ups with BofA via phone calls. I also requested details of BofAs dispute process : what has happened, what their procedures are to better understand what has happened to determine what actions theyve taken on my behalf to resolve this dispute. They have ignored these requests. 

XX/XX/XXXX, with only the disputed balance on my account, BofA started forwarding collection messages, even though the claim is still pending, and has been open for roughly six months. 

After receiving collections notices, I called my local branch to have them reach out to the disputes department about the collection efforts that I believed should not be happening. Disputes told local rep that the amount would be removed from my account and a letter would be sent notifying me of the credit while the investigation was pending. 

A week or so after receiving no letter, I called the dispute department. They informed me that the charge would not be removed and the dispute would be escalated. 
XX/XX/XXXX, I called BofA for a status update, only to hear that they will not do anything to escalate the resolution of the case, and will not remove the charge until the case is complete, even though it was their error why the charge was reapplied to the account.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous correspondence dated XX/XX/XXXX, regarding the inaccuracies in my personal information appearing on my credit report. It has been weeks since my previous dispute, and I have yet to receive confirmation that my concerns have been addressed or that any corrective action has been taken. To reiterate, my correct and up-to-date personal information is as follows : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX I previously enclosed supporting documentation, including a copy of my government-issued ID, a utility bill, and my Social Security card, to substantiate my claims and validate my identity. 

Under the Fair Credit Reporting Act ( FCRA ), you are required to conduct a prompt and thorough investigation of disputes and correct any inaccurate information within the mandated timeframe. Your delay in addressing this matter raises concerns about compliance with federal law and the integrity of your processes. 

I kindly request the following : 1.Immediate removal of the erroneous address from my credit report.

2.An updated credit report reflecting the corrected information. 
3.Written confirmation of the actions taken to resolve this dispute. 

XXXX XXXX XXXX XXXX, XXXX, MO, XXXX
Product: Checking or savings account

On XX/XX/2022, I opened a checking account using promo code XXXX. Using this offer code, I was to be paid a {$300.00} bonus by U.S. Bank if I met the following terms : Deposit {$5000.00} in new money within 30 days of account opening and maintain for 60 days. On XX/XX/2022, I initially deposited {$200.00}. I deposited the remaining {$4800.00} on XX/XX/2022, therefore bringing my total deposited to {$5000.00}. I then held the {$5000.00} in deposits for more than 60 days, until XX/XX/2022. Therefore I very clearly met the requirement to deposit {$5000.00} within 30 days, and hold that balance for 60 days. however I did not receive my {$300.00} credit. I brought this up with U.S. Bank, and they said that somehow the first {$200.00} deposit was " not an eligible deposit '' and therefore I had only deposited {$4800.00}. There is nothing in the attached terms of the offer that says which deposits are " eligible '' vs. " ineligible. '' It just says deposit {$5000.00} in new money, and all {$5000.00} of the deposits were new money. Therefore I am owed the {$300.00} bonus. My spouse also applied for the exact same bonus and did the exact same 200+4800 and they did receive the {$300.00} bonus.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
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 XXXXXX/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

I'm respectfully filing this complaint due to the numerous of failed attempts in removing the following accounts ( XXXX XXXX, and XXXX XXXX XXXX in order to satisfy Section 611 ( 5 ) ( A ) of the FCRA .With all my formal and written requests I was never provided any verifiable documents that supports company 's claim. Therefore as stated in the above statue, if not verified within 30 days then the account must be deleted promptly and immediately. It's now 3 months later.
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. 

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 sha
ll 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

n 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. 

XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX  : # XXXX, XXXX XXXX XXXX XXXX XXXX, has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 or 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

There are 2 accounts showing in collections that I never opened
Product: Credit reporting, credit repair services, or other personal consumer reports

Personal information was deleted then reinserted onto my file without me being notified. See attached
Product: Debt collection

I went To XXXX XXXX XXXX XXXX and injured my XXXX and could no longer work. Over the past years Ive made attempts at contacting the companies to try and resolve the debt but could never afford what they ask of me. Theyve always wanted hundreds and hundreds a month!!! I can not afford that! Recently I contacted the most recent company the Key 2 recovery company last year to try to make amends yet again and as I talked To them I told them that I didnt make enough money to make the payments they were requiring of me and I asked repeatedly for lower monthly payments and they refused and said it would affect my credit. I said I couldnt pay anything more and they said they couldnt take any less than all of it. I can not afford {$6100.00}! Its been 10 years! Its on my credit and has been affecting me! 

XX/XX/XXXX Key 2 recovery XXXX XXXX XXXX XXXX XXXX Oh XXXX XXXX There is also another company that is attached to it that is older XXXX XXXX and XXXX Since XX/XX/XXXX XXXX XXXX XXXX XXXX, ca XXXX XXXX According to my credit report I owe XXXX to them for the same bill! 

How is it 2 companies can claim that I owe them for the same bill? And report it on my credit monthly as owing {$13000.00}!?? Please help!
Product: Checking or savings account

I have had a checking account with Suntrust for decades. A couple of years ago they started charging me a fee if the balance went below a certain threshold on my savings accounts. I went in and talked to the Branch Manager and they apologized, removed the fees, reimbursed the past fees and PROMISED that if I stayed with the bank, this would never happen again on ANY of my accounts. Today I open my account and see that they have begun charging me a $ XXXX  monthly fee on my checking account which I have had open for many years with Suntrust and was actually a customer of two predecessor banks that Suntrust bought. I went online to complain and used the chat function. After waiting for more than 20 minutes Suntrust DELETED THE CHAT and just disappeared. Before you bother to ask, NO I did not receive ANY notice in writing that the bank would be initiating a fee on my account -- let alone a notice 30 days ago. If I sound like I am angry, I am. These big banks should not be allowed to use these deceptive and sneaky and ILLEGAL practices to cheat hard working Americans. Please make them stop.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 15 USC 1681 section 602 A states I have the right to privacy. 15 USC 1681 section 604 A section 2 also states A reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of a data breach and identity theft. As a result of this breach, I am requesting that all unauthorized accounts associated with my name be blocked and deleted from my credit report, as outlined under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ). 
Unauthorized Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I sold my House at XXXX XXXX XXXX -XXXX AZ XXXX XX/XX/2019 ; the Mortgage company was XXXX XXXX XXXX XXXX and the Title company was XXXX XXXX XXXX XXXX XXXX XXXX XXXX . The Title company paid the loan by wire as listed in the written payoff demand but the XXXX mortgage company returned the wire and charged mortgage for the month of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/2019 despite receiving the settlement several time back from XXXX XXXX XXXX. Please refer to the attached documents reflecting all communications between XXXX mortgage and XXXX XXXX XXXX XXXX. Finally on XX/XX/XXXX XXXX mortgage listed the Mortgage as fully paid in XX/XX/2019 but the past due reports for the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/2019 remain in my credit report and despite several letters to XXXX and calls the negative reports still remain in my credit with the 3 reporting agencies, XXXX, XXXX and Transunion. I have mortgage application and car purchases denied due to the credit score being lowered to the 500, s from the 700, s .Negative reports from XXXX must be deleted with the 3 credit agencies but XXXX refuse to take action.
Product: Credit card

I have a business XXXX with BHG, I made a {$8500.00} payment on XX/XX/XXXX, as of today XX/XX/XXXX this payment is still not reflected as available credit. The payment posted on XX/XX/XXXX and was processed from my checking account the same day. This happens everytime a payment is made it takes 7+ days for the funds to be available. This as a business owner, hinders my ability to purchase materials and complete my jobs timely. Every time I call I get the same answer, we're sorry it takes a " few '' days to process. We are sitting at 6 business days now. The company will not tell why it takes so long or why it doesn't show. They have refused to offer any insight.
Product: Debt collection

My fiance 's parents received what appears to be a collection notice from an organization called Nemo 's Investigations and Collections ( NIC ) for a debt of {$90.00} plus interest, dated XXXX/2019, via USPS at their residence. The date of receipt is uncertain ; this notice was delivered sometime before XXXX/2019. 

While I do stay there with my partner and our XXXX son on occasion, I do not receive mail there nor have I counted it as a residence at any time. 

The notice contains no mention of the original creditor or any other identifying information that correlates it with any money I may actually know. Moreover, I was out of state on a work assignment during the time and, so far as I know, did not incur any debts on my trip. 

The notice does, however, contain a message from an individual named XXXX XXXX. 

Today, I received a call on my cell phone from the number listed on the notice, wherein a person identifying himself as XXXX XXXX requested a callback, without identifying himself as a debt collector or the call itself as an attempt to collect a debt, in violation of 15 USC 1692b rule 6 : ( 6 ) Except as provided in section 1692b of this title, the placement of telephone calls without meaningful disclosure of the callers identity.
Product: Credit reporting or other personal consumer reports

Greetings hope all is well I recently reviewed my credit report and noticed an account that was not reporting accurately, i had XXXX late payments on an account that i was in fact paid on time. The consumer reporting XXXX have need to report all information with complete accuracy. this account has not been late on payments ive attached a copy of my report to this complaint on the following dates ( XXXX ) I'm now requesting you investigate and provide verifiable proof with records showing that I had late pavements. Il this information can not be verified I demand these payments be updated to paid on time immediately. Thank you for your understanding
Product: Credit reporting, credit repair services, or other personal consumer reports

This debt is being reported in my credit report in Error. 
I had direct communication with XXXX stating that the amount of XXXX being reported was an error and was removed from my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked fed loan service to remove the closed accounts from my credit the information they are reporting is incorrect they have dupilcated accounts they have six accounts with same account number