23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the credit reporting agencies about fraudulent accounts that have been opened in my name and I requested them to be removed from my file. The information is inaccurate and not valid, I needed to mail them current ID and mailing address along with fraud affidavit to support my concerns. They have not removed any negative inaccurate reporting nor have they removed any of the fraudulent accounts that I have reported to the agencies ( XXXX, Transunion, XXXX ). Since I have been disputing the inaccurate account, the bureaus have not sent me any credit reports nor have they followed the Fair Credit Reporting Act rules that are in place to protect the consumer. My rights are being violated my personal information has been compromised and I need to get the accurate information to be reported on my report. I am a victim of identity theft and I must have some valid proof from somewhere with a contract or a verified agreement that has my signature, I request this from the 3 credit agencies and they have not provided me with any documents to confirm any debt to be valid or connect to myself.
Product: Debt collection

Everyday 3-5 times a day from XXXX XXXX XX/XX/ 2020. I had to change my phone number it got so bad. They called friends and family members talking about the money I owed. I lost my job due to an injury and informed them that I would f be able to make the payment, so instead of trying to work with me, the repeated to call me, family and friends several times a day. To the point, where they had to block their number ( s ). They called from several different numbers every time. So it was usually one of the employees cell phones. I was cussed out the last time I spoke to them.
Product: Checking or savings account

Unsure of the dates and amounts but have been a member with navy federal since 2013
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I received an alert from Experian that my credit score dropper over 150 points. They have a XXXX account, which is not mine, listed as owing {$3700.00} which has been taken into collections. I have disputed this information twice now, as the account is not mine. But the information is still attached to my credit report I have also called XXXX, but was told there is nothing they can do, because the account is not mine. My XXXX account number is XXXX. The XXXX account number on my Experian credit report is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Good afternoon. My name is XXXX XXXX and Im writing today in hopes that someone can help me with an issue Im having with credit reporting on my Experian account. I checked my account and noticed a bunch of inquiries ( Account name XXXX XXXX XXXX Date of request XX/XX/XXXX Account name XXXX XXXX Date of request XX/XX/XXXX Account name XXXX XXXX Date of request XX/XX/XXXX Account name XXXX Date of request XX/XX/XXXX Account name XXXX XXXX Date of request XX/XX/XXXX Account name XXXX XXXX MO XXXX of request XX/XX/XXXX Account name XXXX XXXX XXXX Date of request XX/XX/XXXX Account name XXXX XXXX XXXX Date of request XX/XX/XXXX Account name XXXX XXXX Date of request XX/XX/XXXX Account name XXXX XXXX Date of request XX/XX/XXXX Account name XXXX Date of request XX/XX/XXXX Account name XXXX XXXX Date of request XX/XX/XXXX ) I did NOT authorize. So my first move was to attempt to contact some of these companies, NONE of which were willing to work with me due to the fact I didnt have an account with them. I then proceeded to dispute by mail to Experian. Once they received the disputes, an email was sent to me stating theyve come to a conclusion. The email didnt contain the results to the dispute so I called. The representative I spoke with FLAT OUT told me they were not allowed to dispute them while leaving a vague reason as to why. I asked him about the verification of them as well and he refused to provide anything. As a 609 right I demanded he provide me with the information pertaining to verification and her refused. He then proceeded to transfer me to the identity theft dept before the call abruptly ended. I would love it if someone could please look into this. Im trying to get a house and these things are really a hindrance to that. Experian refused to help me Im hoping you all chose a different path. I would appreciate that dearly. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

THE INQURIES LISTED ARE FRAUDULENT SOMEONE USED MY NAME AND SOCIAL SECURITY NUMBER AND PHOTO ID TO APPLY FOR FRAUDULENT ACCOUNTS USING MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX CRA. On XX/XX/2020, I mailed Equifax, XXXX and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

I received a letter from the Bank of America on XXXX that they decided to close my business account. I called the phone number on the notice to find out why. They refused to provide the reason for closing and said the decision was final. I asked about the time frame when I can receive the XXXX balance I have on my account, and they didn't provide it. 
On XXXX, I went to the local branch on XXXX XXXX XXXX in XXXX, GA. They told me that there was nothing they could do besides calling me the number on the notice, so we did call and received the same answer : we decided to close your account and didn't provide any answers why. I asked about the time frame when I can expect my money back, and I was told around XX/XX/XXXX after close will be finalized. Im a single mom of XXXX kids and I depend on my money to feed my family. I think this timeframe is unreasonable long to get my money back.
Product: Payday loan, title loan, personal loan, or advance loan

Civil Warrant Number XXXX The XXXX XXXX XXXX XXXX Subject : Request for Verification of Debt and Contract of Sale Under the Fair Credit Reporting Act ( FCRA ) To Whom It May Concern, I XXXX XXXX XXXX, am the defendant in the above-referenced case and am requesting verification of the debt in question, as well as a copy of the contract of sale or assignment agreement to confirm the legitimacy and ownership of this debt. 

Under the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX  XXXX XXXX, I am entitled to request proof that any party reporting or attempting to collect a debt has the legal authority to do so. I have previously submitted a written request to the plaintiff, [ Plaintiffs Name, e.g., the XXXX XXXX or relevant entity ], seeking documentation showing they have acquired the rights to this debt through an official contract of sale or assignment from the original creditor. 

In the absence of such documentation, I am concerned that the plaintiff may lack the necessary legal standing to collect this debt. I respectfully ask the court to consider this matter and, if deemed appropriate, require the plaintiff to produce the following documentation : Contract of Sale or Assignment Agreement : Document evidencing the transfer of ownership rights of the debt from the original creditor to the plaintiff. 
Verification of Debt : Proof of the debts legitimacy and any accompanying account statements or records. 
The FCRA requires that consumers have access to accurate and complete information about debts on their credit reports, including any debts currently in dispute. The documentation requested will allow for a full and fair evaluation of the debt 's legitimacy and ownership before proceeding further in this case. 

Thank you for your time and attention to this matter. I look forward to your guidance on how to proceed if the requested information is not provided. 

Respectfully, XXXX XXXX XXXX
Product: Checking or savings account

This complaint is in regards to a XXXX thank you point offer that has not been paid out as promised and confirmed by CitiBank for opening a new checking account and satisfying all requirements. I received an email with the terms. I opened the account, met the requirements ( per a XX/XX/XXXX chat to confirm ) and was explicitly told to " expect for the ThankYou points no later than XX/XX/XXXX. '' Fast forward to XX/XX/XXXX and no points posted as promised. I again go to live chat and am told " it should have posted last XX/XX/XXXX. '' I'm given the following reference number ( reference number XXXX XXXX XXXX XXXX XXXX XXXX ) as they had to create a case to ensure I received the points. Told I would receive an email within 2 business days. Again, nothing happens. No communication, no bonus. 


On XX/XX/XXXX I was told that on XXXX I received an email about the bonus. I never did, neither in my inbox nor spam. I was told I would receive my bonus " on the next cycle. '' I push for a specific date by which I will have the bonus points. I'm told XX/XX/XXXX even though my next statement would cut on XX/XX/XXXX. The rep states they submitted notes on this. Also told within 2 business days Id be notified. Of course, nothing happens on either front. 


So fast forward to XXXX and now, after the next statement cycle came and went, Im told via chat messenger ( that I had to initiate ) that on XX/XX/XXXX I was credited the XXXX points! At this point Im just dumbfounded. 

Wanting further information I opted to wait until a weekday and on XX/XX/XXXX I contacted chat once more, and again this time I was credited with XXXX ThankYou points on XX/XX/XXXX for meeting the required terms and conditions of Promotion XXXX. Not only is this patently false, it goes against what other representatives have stated. 


Ive exhausted all reasonable expectations for remedying this issue and would greatly appreciate if you could step in and help facilitate this matter. I'll refrain from attaching any emailed promotional material because they aren't disputing that I met the requirements. The dispute is whether or not the points were issued.
Product: Checking or savings account

TD Bank continues to have an advertised promotion as available here. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I went to TD Bank about 95 days ago and enquired the promotion at that time which, at least at that time was available to new CHECKING account customers. I told the bank that I knew and freely admitted that I did have an account a few years ago, but that I was unsure if the account was savings or checking and asked if the previous account would disqualify me from the promotion. The bank representatives researched the issue and said that there was no record of the previous account and therefore I was eligible. I was surprised, but based upon their instruction, I enrolled in the program and as I went along I continued to ask and mention the previous account ... right up to and including two days before the bonus was to be paid and I always received verification that I was eligible even in light of me admitting that I had a previous account because they had no record of the previous account. Then on the day the bonus was to be paid, I was sent a note saying I am ineligible because I had A previous account. To me it is false advertisement. They are luring me into the signing up, saying I am eligible even when I disclose all relevant information, and in so doing based upon their role as employees and authorized representatives of the bank are presenting me with an offer that I am eligible for, and then after fact going back on their claims. Note that along the way, they issue you a credit card without you ever asking for it and in so doing disqualify you further from their ongoing credit card bonus offers.
Product: Credit card or prepaid card

This is an additional issue similar to my first complaint against Capital One. 

A " XXXX XXXX '' insisted they needed to verify the debit cards on my account were truly mine and in my name ( which they are ). While on the phone with this female, we contacted XXXX and XXXX VERIFIED my account and debit card attached to it. This female did not update my account to reflect this was completed, but XXXX has record of the call to their fraud department where we spoke with a gentleman named XXXX. This manager LIED on my account saying the call was disconnected, even though the call was completed with XXXX. We were not able to complete a second call with XXXX XXXX XXXX since they had no services, not even a fraud department, open on XXXX.
Product: Credit reporting

I have disputed unfair medicare billing on my credit report. I 'm asking for that to be investigated. They were entered as separate bills for the same ER visit. I am also asking for my credit score to be re-scored now that my student loans have been deleted and this investigated.
Product: Checking or savings account

I was communicated from bank of America thru the cfpb that bank of America submitted their responses since XXXX 2019 directly to the consumer. I received 1 response which included someone else 's info along with mine XXXX 2019. I have not received the other approx 8 responses as stated by bank of America. I have tried numerous times to reach bank of America via Online boa email feedback sessions sent and via phone XXXX regulatory XXXX XXXX and others. Attached phone call recording of XX/XX/2019 where boa auto system XXXX would not recognize my entering of reps extensions to communicate with boa.. I will report boas responses to my address if XXXX  XXXX Asi ntercepted in my us mail Please bank of America resend your responses again certified. 
Thank you
Product: Vehicle loan or lease

Hello- My name is XXXX XXXX . My car loan was paid in full and there was an over payment taken for $ XXXX- after arguing back and forth with Consumer Portfolio Services to try to get my money back, I was told that I would receive a cashier 's check for {$280.00} ( I am not sure why the {$11.00} difference- I asked several times and never got a response ). I was also told that I would have the money deposited back into my account with 24-48 hours however, they are now supposed to be sending me a cashier 's check. I am NOT HAPPY. I have called three times and emailed them 5- I have not received a response ... I have chased them for weeks and still do not have the money that is due to me. This company is completely unprofessional, irresponsible, and should not be allowed to conduct business as a financial company. My account number with them is XXXX. I have been dealing with XXXX XXXX. I was told to send them a bank statement showing that they took the money out of my account ... which I did. They told me to fax it- their fax machine did n't work. I had to scan the statement and then sent it to them via email. I then called for three days to get a status update. The bottom line is I am not sure why I STILL do not have the money that is mine and why they have given me the run around. Their last excuse was that the pay-off amount was incorrect and that their accounting department made an error. The pay off amount was {$9600.00} and they said that the check that was sent was only for {$9300.00}. Please let me know how I should further proceed. Thank you so much.
Product: Checking or savings account

Please refer complaint # XXXX YOUR COMPLAINT I have a wells Fargo business and personal checking account. I called at XXXX XXXX  central time and was talking to a female. I wanted to know if i deposit a foreign currency check into my Wells Fargo then what will happen? how the currency conversion happens? How much time it will take for money to come to my account? How to do that? This female was not at all in a mood to do the work? When she was wasting my time and i tried to have a focussed discussion she threatened me to hang the call. I simply asked her the question in a different manner. But still this female pretended that she is not able to hear me- we were on the phone call for almost XXXX minutes ( some wait time and going thru the menu initially ). Then she hang up the phone on me. 


Please refer to the response from Wells Fargo Unfortunately, we stopped accepting foreign checks from XXXX in XXXX. Another option to receive funds from XXXX is a foreign wire. 


How come they are calling me XXXX? It's a great offense to call an XXXX origin purpose as XXXX. This is ridiculous that I am having this account since XXXX and visits the branch at least 3-4 times in a year. This is the worst KYC. I feel quite offended and insulting that they are calling me XXXX. Historically XXXX is one of the biggest dreaded sworn XXXX of XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a collection on my account from XXXX XXXX XXXX for {$1000.00} from a company called XXXX XXXX XXXX XXXX. I disputed the account with Experian because I have never heard of XXXX XXXX XXXX XXXX. I've looked for information on the company online and all I can find is a closed business. The dispute came back validated. I have no idea who was contacted or what information was used to " validate '' this account with a closed company I have never heard of. Now, I can not submit a new dispute without having some sort of proof or documentation. I don't know what I could show on an account I know nothing about. Please help me sort out what is going on.
Product: Credit card

Bank of America took XXXX payments of {$6700.00} on XX/XX/2024. This is {$6700.00} more than I owed and they will not return my money. They have told me XXXX times that they have mailed a check and even told me they sent it certified. The other lies were they needed my acct info. And would direct deposit it and XXXX  times I have given them my info and that has not happened. Wondering what I need to do to get my money back. My bills are going unpaid and accruing interest. They certainly need to hire people that have an XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have disputed the information being reported pursuant to the Privacy Act and these XXXX companies are violating my rights. This is my last attempt to resolve before I seek litigations. Your company is misusing my information for unjust enrichment and I will seek actual and punitive damages if these items are not removed from my permanent credit file immediately. XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX AND their affiliates are in violation of the privacy act of 1977 in addition to the FDCP, this is the final opportunity to cure. Proper validation of the alleged debt requires all IRS documents filed bearing my XXXX/Name from a certified third party accountant. If you do not provide documentary evidence for the alleged debt/sin you are required to block and remove the account.
Product: Credit reporting or other personal consumer reports

In reference to the complaint ID XXXX. The US Department of Education failed to reply or fix issues related to said complaint ID XXXX. They Violated FERPA 20 USC 1232g ( B ) Release of education records ; parental consent requirement ; exceptions ; compliance with judicial orders and subpoenas ; audit and evaluation of federally-supported education programs ; recordkeeping. The accounts are also over 7 years old which violates FCRA. They are also reporting conflicting information across all credit bureaus. Tender of payment was made and not applied to account. These matters has caused both stress and endangerment of my life. On contract with XXXX XXXX  and XXXX which are now transferred to US Department of Education Default Resolution group, the promissory note states they would not share my personal information with any third party which XXXX sales information about consumers on XXXX which includes my personal information through both direct and Indirect Channels According to their SEC Registration XXXX, XXXX form, and this violates FERPA and the privacy act of 1974. XXXX acquired XXXX XXXX, a third party which also holds US Department of Education accounts on my credit report from XXXX XXXX, and buy and sales information which is a breach of The Privacy Act of 1974.XXXX  uses the XXXX XXXX  exchange without my consent of soliciting my personal information breach of the Privacy act of 1974.
Product: Credit card

Barkley Bank Delaware refused to accept fact the card was opened fraudulently by someone using my personal information even when I provided proof I was a victim of identity fraud. They continue to report to the credit reporting agencies this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 a store credit card was filled out at the store XXXX that has a HIGH inquiry that I did not authorize consent..
Product: Credit reporting, credit repair services, or other personal consumer reports

A Hard inquiry is on my credit report on XXXX XXXX, 2017, not sure what it is from the only thing that is showing is the following, and did not authorize a hard inquiry on my credit report. 

XXXX XXXX, NC XXXX ( XXXX ) XXXX
Product: Debt collection

Accounts : Reason : Tangible Proof Needed From Creditor ASAP XXXX XXXX XX/XX/2018 To whom it may concern, This letter is being sent to you in response to a listing on my credit report. Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g ( Sec. 809 ) that your claim is disputed and validation is requested. 

I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. 

I ask you to provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 
2. What is your authorization of law for your collection of information?

3. What is your authorization of law for your collection of this alleged debt?

4. Please evidence your authorization to do business or operate in this state.

5.
Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. 
6. Please provide a complete account history, including any charges added for collection activity. 

You have thirty ( 30 ) days from receipt of this notice to respond. Your failure to respond, on point, in writing, hand signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume that you placed this on my credit report ( s ) in error and that this matter is permanently closed. Provide the proof, or correct the record and remove this invalid debt from all sources to which you have reported it. 

For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.