23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On Monday morning XX/XX/2022 I returned to my car to see that it had been ransacked and my wallet was robbed. The last time my wallet was in my physical possession was XX/XX/2022. I had received messages on my phone saying that there were charges made on my card, these charges occurred while I was asleep and didnt see the messages until i woke up. I immediately talked to Ally support to let them know and made reports that all the charges that occurred on XXXX  and afterwards were fraudulent. I also told them to not let any more charges through and froze my card. A couple months later they locked my account and I received a letter saying that I was responsible for the charges because it was " in the same geographical area ''. Of course it was, they had stolen my physical wallet. Now I have received a letter threatening to take me to collections for the amount these people stole. I did everything to inform them that these charges weren't me and ordered a new card the same day and still they do this. It is not legal, I am not responsible for the charges some theives made on my card as I did nothing wrong and immediately reported it to Ally. I am not even able to access the account to attach screenshots because they have locked me out.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made several attempts to reach out to Experian about my disputes and they keep stating they check with the vendor and they assured them it was mine. I have also reached out to the debt collections agency directly requesting validation docs and they can't provide me with anything verifying the account belongs to me. Makes me wonder how does Experian actually do there validations. I have also sent a direct letter from a debt collection stating they would remove it from my account because it actually shouldn't have been there and i sent the letter to Experian stating this and they choose to keep reporting the derogatory information eve thought its 's not mine. This is really hurting me with my purchase of a home and its really disturbing knowing you put your trust in the credit bureau and hope they are reporting correctly. Furthermore when I take the extra step to see if the collection agency can provide me with validation of the account and they can't then why are they able to put negative inaccurate information on my report? I have reached out to XXXX XXXX XXXX and all they offered me was payment plans why would i want a payment plan on a debt you can't validate. Procollect the same thing instead of validating the debt they just asked me to pay and I ask them for information bearing my signature and when did we do business and they hung up on me. XXXX XXXX XXXX states to be a representative for XXXX and I'm currently a customer of progressive they said they would look into it and I never heard back or received anything in the mail. The final Collection company XXXX they put the invalid information on my report I called them for verification they said it was from XXXX  at an address I never live at and they also sent a letter that they would dispute the account. The same letter was sent to Experian and they refuse to remove the inaccurate information. All of these companies failed to send me validation so, but Experian claims the accounts are indeed mines. I requested method of validation from Experian based on me knowing these accounts are not mine and they have yet to respond my disputes return as item remains. I have really run out of options the collection agencies are not responsive, but seem to be responding to Experian I'm the consumer in the middle requesting the information yet receiving none.
Product: Credit card

I have had this Citibank XXXXXXXX XXXX for more than 10 years, I was advised by their staff to pay with my debit card calling their telephone number to get quicker credit, as I was paying the card every month, before the due date, as they had refused to increase my credit limit, which was lowered for no reason during the pandemic. 
I called in three occasions and they system asks if you want to use the same method as previous time and later it asked if you are paying the same amount as last time. 
I saw that Citibank reversed the credit on my account three times during the month and I received a couple of letter saying that the payments had not gone through to check with my bank, which I did, XXXX indicated that they had not refused any payments and there was no record of CITIBANK trying to process it. I called Citibank twice and no one told me what was the problem, the payment was processed and the account was not late or delinquent, these were advanced payments. 
When I called no one told me what the problem was but to contact XXXX  to fix the issue, which XXXX never received. 
One day, I log into the account to find that it was closed without notice, after so many years, with a XXXX score of XXXX, no delinquent payments. 
As you can see on the attachments I promptly reacted and made payments that for some unknown reason CITIBANK ; s system did not process correctly how it has been processing them for more than 4 months. It is unfair. 
I feel deceived, discriminated for whatever reason, I client who was charging over $ XXXX in the last 18 months and paying promptly, maybe they did not like that I complained about a credit card promotion they made and they never credited the XXXX XXXX loyalty points they promised. 
In any case, the big business stepping the small minority business
Product: Debt collection

The company has repeatedly contacted me after I have told them to stop. This is a false debt by the University of Massachusetts. I was VA XXXX going to school with my Post 9/11 GI Bill. I had a medical withdraw from my VA therapist which was approved by the school. They tried to charge the VA for that semester and it got denied. They then tried to charge me and gave this collection company false information. I dont owe this university any money. I have ceased going to school because of this, and other political topics I was forced to write. This is a false debt by a scamming university!
Product: Credit reporting, credit repair services, or other personal consumer reports

I keep sending multiple sets of letters to the bureaus so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is signed and attached with an FTC and Identity Theft, yet the Experian credit bureau is still not taking any actions. The account is not showing in dispute nor are they removed from my report. The bureau seem to ignore the trend and let this fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proof needed to justify the account to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. I'm still here shelling out money with no end in sight and no results to show. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING? Delete this account ASAP.ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! THE DISCHARGE PAPER FROM THE COURT IS CLEAR! THEY CAN NOT COLLECT on a XXXX DEBT!! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the account immediately! 
XXXX  CARD XXXX Date Opened : XX/XX/2016 Balance : {$14000.00}
Product: Credit card

XXXX payment was made XX/XX/XXXX instead of due date XX/XX/XXXX. 
Amex late fee {$29.00} Interest of XXXX purchases of {$2700.00} - {$44.00}. 
I use a bank bill payment by mistake I entered XX/XX/XXXX instead of XX/XX/XXXX. 
typically I pay by the XXXX of he month
Product: Debt collection

I was served by a debt collector on some bill i have no clue what it's about or if it was me. 

when I responded to this summons this guy claims XXXX and said i made payment arrangements with 18 % interest rate that's not something I would agree to. 
nor does my bank record state this. I called them they don't respond.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX. 
Account number : XXXX, XXXX XXXX XXXX  Account number : XXXX, XXXX XXXX XXXX XXXX. Account number : XXXX, XXXXXXXX XXXX XXXXXXXX Account number : 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 a account without my written instructions.
Product: Debt collection

Please refer to complaint number XXXX where the company provided the following response : " Our company received information that the account is no longer due, we have closed the account and it was never reported to the credit bureaus. We did not use " harassment tactics '', as the consumer claims. We received an account from our client and attempted to collect it. As soon as we received the updated information, collection efforts ceased. '' First, I have to disagree because there were certainly threats. Second, it should be illegal for a collection agency to attempt to collect a " claim '' of debt without verifying that a debt actually exists. Now, at this point, the company is sending bills, XXXX to be exact, on hospital letterhead that contains a phone number and PO Box associated with the collection company. When calling the number, the greeting used to answer the phone is " business office. '' Each of the XXXX bills have the same account number with the exact same content within the letter with the exception of the amount owed ... there is a different amount on each bill, yet it is the same account number with no other identifiable information such as date of service. The amounts claimed to be owed are the same amounts claimed to be owed previously! Thus, the attempts to collect CONTINUE despite the fact that there is no debt!!!
Product: Credit reporting or other personal consumer reports

I got a loan on XX/XX/year> for a XXXX through XXXX XXXX. The loan was for {$220000.00} and it was a XXXX lease. I paid the downpayment and all monthly payments up front. The car was totaled and my insurance company paid out XXXX XXXX and received the title and they sold the car. I received my downpayment and pro-rata monthly payments as well from the insurance payout. XXXX XXXX received payment in full and released the title to my insurance company. I have attached emails and communication along with documentation with my insurance company and the dealer, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the creditors who placed the inquiries and asked them to remove their credit inquiries from my credit profile. I also asked them to cease their illegal activities immediately, but to date there have been no response from their offices. Since sending the letters more than 30 business days ago, they have failed to respond and honor my request. 

Therefore, I must request your help in resolving this matter. In accordance with the Fair Credit Reporting Act, I request you immediately initiate an investigation into these inquiries on my credit report to determine who authorized the inquiries. If once your investigation is complete you find my allegation to be true, please remove the unauthorized inquiries from my credit report and send me an updated copy of my credit report at my address listed above. If you do find the inquiries referenced above to be valid, I request that you please send me a full description of the procedures used in your investigation within 15 business days of the completion of the investigation.
Product: Mortgage

i have requested that Selene be added as a XXXX  in case XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Victim of inquiry issue..numerous inquiries on my report that I dont recognize or gave permission to pull my report. Please remove all inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

*See attached15 U.S.C 1681 section A. States I have a right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S. Code 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 Several inaccuracies in reporting as per FRCA guidelines As defined by the IRS Even if you didn't receive a tax form 1099-c you must report cancelled debt and gross income The IRS clearly states charge off as income the reporting of this account is inaccurate. INCOME DOES NOT GET REPORTED ON THE COSUMER REPORT, WHICH MAKES THIS REPORTING INACCURATE. By definition, the IRS clearly states, the charge off is income, the reporting of this account as inaccurate
Product: Debt collection

I received email and us-postal mail from Phillips & Cohen Associates , XXXX XXXX XXXX , XXXX, DE XXXX. 

They are asking to locate the Executor, Administrator, or person ( s ) authorized to act on behalf of the Estate of my brother, but they do not provide Verification of the Debt. They say " Due to federal guidelines and privacy regulations, we are only able to share our client 's details with individuals authorized to act on behalf of the Estate. Once verified through an Estate Specialist or on our website, we are able to provide full client details. '' I am afraid to respond because they do not seem to be following the Fair Debt Collection Practices Act ( FDCPA ). Also, the notice does not inform me of my rights protected by the FDCPA. Privacy Concerns seem to be Misplaced : Providing basic information about the debt shouldn't violate any privacy laws. 

I fear that they are just fishing for information and may be scammers. I am the Personal Representative of the estate and I have communicated with several collection agencies who did provide Verification of the Debt in their communication with me.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXXXXXX, AZ XXXX XXXX XXXX XXXX XXXX Balance : {$2400.00} XXXX XXXX XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXX Balance Owed : {$410.00} XXXX XXXX XXXX Balance Owed : {$470.00} XXXX  XXXX Balance Owed : {$12000.00} XXXX XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

I went to Bank of America ATM XXXX on XX/XX/XXXX and tried to withdraw {$300.00}. I selected XXXX {$100.00} bills. The ATM sounded like it was counting the money, the door opened and the screen said to take my money. However, there was no money there. The door closed and the transaction ended. I tried to go inside, but the bank was closed. A lady in a car told me it took her a minute to get her money but still none came out. Then a man came up and told me he didn't get his money either and he called and reported it. I called the phone number on the ATM but it wouldn't allow me to speak to anyone and told me to report the issue to my bank ( XXXX ), which I did. The dispute was not in my favor so l asked for a review and submitted a statement explaining the issue. On XX/XX/XXXX I went back to the Bank of America to try to resolve the issue, but once again they told me they couldn't do anything and to resolve the issue through my bank. The review came back not in my favor again. I then went online to dispute the transaction and again it was not in my favor. So I requested the evidence XXXX used and was just sent the status of the dispute. Once again I requested the evidence used. I received a transaction history from the atm that said I received the money, not really evidence since the atm malfunctioned, they also sent an atm over short statement saying the atm was over {$1600.00}. That should be evidence in my favor or at least enough to request additional evidence. I called XXXX again about the dispute and received a follow up saying the transaction history was all the evidence they needed and didn't care that the atm was over {$1600.00} and that the dispute is closed and will stay that way without further evidence and to XXXX Bank of America. I contacted Bank of America again on XX/XX/XXXX which still told me to contact XXXX. I explained to them XXXX doesn't care and won't do anything else since Bank of America gave XXXX a receipt. They said they will try to look into it and I should receive a call back in about three days but didn't have a way to open a dispute since my account was with another bank. As of the end of XXXX I havent received any more information or contact.
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this letter to request that the account which I believe appears to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX Balance Owed : {$4300.00}
Product: Credit reporting or other personal consumer reports

I am disputing the inaccurate reporting of a charged-off status by XXXX XXXX XXXX on my auto loan account. The information reported to the credit bureaus does not accurately reflect the accounts history or status. 

XXXX, I reviewed my credit report and discovered the charged-off status, which I believe is incorrect. On [ date ], I contacted XXXX XXXX to address the issue and requested verification of the reported charge-off. I also submitted supporting documentation, including [ list what you provided, such as proof of payments or account records ]. Despite my efforts, the company has not provided adequate documentation to substantiate their claim. 

XXXX charge-off status remains on my credit report, negatively impacting my XXXX XXXX. This reporting violates the Fair Credit Reporting Act ( FCRA ), which requires furnishers to ensure the accuracy and completeness of the information they provide to credit bureaus. 

I request the Consumer Financial Protection Bureaus assistance in resolving this matter. Specifically, I ask that XXXX XXXX XXXX provide proper verification of the charge-off or remove the inaccurate information from my credit reports with all three credit bureaus ( XXXX, XXXX, and XXXX ) XXXX 

Also Jefferson capital and some other over XXXX XXXX hard inquiries on my credit report, which should not be there.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  ACCT # XXXX In accordance with the fair credit reporting act, this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open-end consumer report plan as late for any purpose.
Product: Debt collection

it was XXXX i went to XXXX  . cashier told me it was big discount when i opened XXXX account. she told me a lot of things. and i open XXXX  account. make short story i did not get discount. i used XXXX account and paid on time. one day i got mail. it showed me {$340.00}. i called XXXX. i talked to someone. she told me they gon na send me another bill. i never get bill until XXXX i got bill from midland fund. it showed me {$880.00}. i called them they did not treat me well. the guy told me i have to pay. other wise we will send to credit agency. i was scare about it. i told him i do not want to messed up my credit. i started {$50.00} a monthly pay. but he send to credit agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my personal credit report after home purchasing consideration, and I found multiple accounts that I did not make being reported on my credit report. 
I was shocked that there were exactly six different accounts that were made fraudulently.

I had stated that I am not responsible for these financial transaction and I am suffering from an identity theft crime to all three credit reporting agencies. 
XXXX  and XXXX XXXX successfully removed all of fraudulent accounts from my credit report, but XXXX  is continuing to post one account from Renesant bank. I have contacted the creditor directly to validate the account, and they have not provide any of significant evidences or proof that the account belongs to me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX RENASANT BANK XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XXXX XXXX My son who is XXXX XXXX XXXX XXXX XXXX XXXX XXXX went into the Bank of America at XXXX XXXX XXXX XXXX XXXX Georgia XXXX to withdraw funds from his account. The teller XXXX XXXX XXXX XXXX and assistant branch XXXX XXXX XXXX XXXX XXXX told him " he could not withdraw the funds ", he would have to wait until the next day. The funds in question were available and did n't have any restrictions or holds on them. They were transferred to him from another bank of America account. An hour later I went back to the bank with him .The teller and assistant XXXX went back and forth about who actually said he could n't withdraw the funds. The assistant XXXX first told me it was policy, when I asked her what policy she said it was their policy. I explained to her that " any " policy they had, as an account holder I was entitled to see it. Then she stated she had to research his account and I explained her that 's the fraud department 's job not hers. Lastly she asked me XXXX times where did he get the money from which too was irrelevant. After XXXX minutes of me explaining to them their policies on deposits and withdrawals they gave him the money. 
When I spoke with XXXX XXXX who is the XXXX XXXX XXXX XXXX his explaination was he " did n't know what was on their hearts to make them racially profile '' my son. Neither the teller or the assistant XXXX were fired, suspended or transferred. They offered my son him XXXX as an apology. 
I have the entire encounter on video which I have shared with all parties involved.
Product: Credit reporting or other personal consumer reports

Seeing incorrect accounts on my credit report today left me feeling helpless and deeply confused. Ive been vigilant about reviewing my report regularly, and this has never happened before. I tried refreshing my browser in the hope it was a temporary glitch, but nothing improved. I need my documents reviewed thoroughly to resolve this nightmare and bring me peace.