23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I am Submitting in Writing All My Proper IDENTIFICATION ... .INCLUDING MAIL RECEIVED AT MY ADDRESS. MY CERTIFIED MAIL SENT INTO All XXXX CREDIT BUREAU 'S and the C.F.P.B. In XX/XX/XXXX which I still have the Hard Copies of the Packets with Each Receipt and Verified Signed for by Whom Sent to ALL PARTIES. I had All the Proper Identification etc. needed but I have HAD NO RESPONSE TO ANY Of This Or Any FOLLOW UP. Submitting Again in XX/XX/XXXX all Correspondence needed for My Complaints Filed XX/XX/XXXX & XX/XX/XXXX Including the Proper Identification Needed to Take this SERIOUS..!!! 
Here are the Four COMPLAINT FILE # 's Case Number:XXXX ... ... ... ... ... ... ... .... Case Number:XXXX ... ... .... Case Number:XXXX ... ... ... ... ... ... ... ... 
.... Case Number:XXXX I am Not Allowing this to BE IGNORED AGAIN ... .after 1 1/2 YEAR DILIGENTLY Addressing and to Consume All My Time of Nine Months ... .Enough is Enough. 
I have More than SUBSTANTIATED DOCUMENTS to PROVE INCORRECT REPORTING AS WELL AS FALSIFIED DOCUMENTS of Reporting on MY CREDIT BUREAU FILE. 
If this is Not CORRECTED within the next 2-3 WEEKS, I Have been through so Many 30 DAY INTERVAL of Awaiting Responses for NO CORRECTIONS Being All PROCESSED. 
YOU Leave Me With the Only Other Alternative to Take ALL this to the XXXX XXXX XXXX Who Has Already Expressed Wanting This Information. I AM NOT GOING TO BE TOLD THAT THE SYSTEM Is COMPUTERIZED IN ASSESSING OUR FICO SCORE. 
It Has to BE Programmed by a Human, so When Our Scores are DELETED Due TO INCORRECT REPORTING or FALSE INFORMATION SUBMITTED BY A CREDITOR OR COLLECTION AGENCY and then Explained about how the System does our Scoring, DEDUCTS but Can not ADD It BACK AFTER YOU Have Proven with SUBSTANTIATED DOCUMENTS Incorrect, I am not BUYING THIS CAN NOT .... ADD MY SCORE BACK That Was WRONGFULLY DEDUCTED. THIS IS NOT ONLY UNJUSTIFIABLE but VERY DEMEANING To Any INDIVIDUAL. I EXPECT TO GET MY SCORE REDONE ( XXXX ) not to Receive Some Lame EXCUSE that it Ca n't BE Done ... Then YOU Need to GET THIS PROBLEM CORRECTED TO ADD BACK The SCORES WRONGFULLY DEDUCTED. 
I know I am Speaking and Supporting Other Consumers who have been Unjustifiable Treated the Same Way.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed a bankruptcy  XXXX  XXXX with case number XXXX that XXXX is wrongfully reporting on my credit report because this bankruptcy is not mine and you are reporting inaccurate information on my credit report. My name and last name have been mixed with someone else file by XXXX, and I am requesting XXXX to remove or delete this bankruptcy immediately. 

I disputed this bankruptcy with XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. and you responded on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX but XXXX didn't remove or deleted this bankruptcy. 

XXXX used my first name and middle name to mix my Information with someone else court records. I will provide a copy of my social security card as my identification showing my full name. 

Remove or delete this bankruptcy immediately because it is NOT mine and you are reporting inaccurate information on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent debt validation letters and dispute letters on XX/XX/2021 and XX/XX/2021. These letters are regarding to a debt said to be owed to NAVY FCU. The account number is inaccurate between all three bureaus. According to the XXXX XXXX XXXX XXXX, a consumer has the right to dispute this matter. I have even tried disputing this account through XXXX online.
Product: Debt collection

On XX/XX/XXXX, I received a phone call from a debt collector called Dynamic Recovery Solutions in XXXX, South Carolina. The debt collector failed to identify themselves as a debt collector when I answered the phone call, the debt collector said " hello is this ...? '' " I said yes, what is this regarding ''. She said she is calling about a very important matter and did not identify herself as a debt collector. She then asked me to verify my social security number and date of birth. I said no, I do not feel comfortable with giving that information over the phone. The debt collector then read off my social security number, date of birth and address without confirming my identity and without identifying herself as a debt collector. After I said that is my address, she identified herself as a debt collector collecting a debt from XXXX. I have long disputed the debt in question and I refuse to pay as I believe it to be an incorrect debt. I expressed this to the woman, named XXXX, and further expressed my anger with giving out my social security number, DOB, and address without confirming my identity due to the sensitive nature of this information and the fact that I could have been anyone and now my information is compromised. The woman said on the phone that it is their practice to use social security information to identify the people the call for debt. 
I am not filing a complaint about the debt, I am filing a complaint about the non-disclosure of the debt collection call and most importantly the release of my social security information, address, and date of birth without knowing who I am. With the information the collector gave out on the phone, someone could have easily stolen my identity and committed fraud. It is my understanding that debt collectors must identify themselves when calling and can not use my social security information without my permission in my state of California. 
I am especially worried that they are calling my previous phone numbers and giving out this information to whoever has my previous phone numbers. I would like this company to stop giving out my SSN, DOB, and address immediately. They could be doing this to every person on their list. 

When contacting this business about my complaint, please note, they have my maiden name on file, not my current last name.
Product: Checking or savings account

I am kindly requesting assistance in obtaining a copy of the claims prepared by Bank of America following to the stealing of my money. 
At the beginning of XX/XX/XXXX I called Customer Services to request a copy of my claims that I had to provide for the lawyer. Unfortunately, on XX/XX/XXXX, Bank of America sent me a letter regarding claim number XXXX, which I did not ask for. Today I called again requesting that the following claims be sent. The lady answered that she does not know when it will be possible. Therefore, I ask for help in obtaining the above documents.
Product: Debt collection

Family members, family owned businesses have been contacted from " XXXX XXXX XXXX XXXX XXXX ''. Threatened with wage garnishment or a judgement. Claimed it was from a US bank account in 2007.  Claims it was a " purged account ''. Told me I would receive paperwork between 11-4
Product: Debt collection

I 've had an open case with this company for two years and have been in and out of court. The case came to a close when the judge dismissed it. However a few weeks after thw case was dismissed they started garnishing my wages. I have been unable to contact any of the attorney 's at the office, and can not get an answer from anybody in the office.
Product: Mortgage

I had an issue with my Mortgage. The mortgage was issued by Sprouts mortgage and brokered by XXXX XXXX. The mortgage was originally suppose to close on XX/XX/XXXX. I called every day for two weeks prior and we were suppose to close and everything was fine and i had setup my move. At XXXX XXXX on XX/XX/XXXX, i was told it was not going through. The company went radio silent and i di not really hear form them again until XX/XX/XXXX when they told me they were ready. I tried every day. I was effectively homeless and had to make arrangement on where to live with a 1 year old. It cost me XXXX buck and was not fully reimbursed. In addition, it took the firm over a month to get it set up on their system for me to make my first payment. This company was taking advantage of consumers and left people homeless
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXX/XX/year> I am reporting a fraudulent inquiry found in my credit report
Product: Money transfer, virtual currency, or money service

The customer kept telling me he was going to xoom a XXXX service or direct transfer to my XXXX XXXX account but once he did the transfer, I be expecting it to come in or go to XXXX to get and he would make so it never was received by me. The total he owe 's me is {$750.00}.
Product: Credit reporting or other personal consumer reports

Previously, I attempted to contact the 3 credit bureau agencies and company to fix this problem with no success. I asked them to produce proof of the investigation and was denied.
Product: Student loan

EdFinancial has been lying to me and publicly reporting false information about me. I have spoken to EdFinancial at least a dozen times over the past year about this and sent them proofs, but they refuse to do anything about it. They say they have two accounts of mine which are open with balances ; however, they do not. They are also reporting this information to the credit bureaus. During every telephone conversation I've had with EdFinancial, their representatives acknowledge that I do not any open accounts with them and that this should not be happening. They also say they will forward the information to their credit investigations department so it will be updated and that someone will call me back to confirm this. None of this ever happens. I have also disputed these accounts with XXXX, XXXX, and XXXX with hope they will resolve the situation ; however, EdFinancial just keeps telling them the accounts are open with balances. Here is the short history : EdFinancial briefly serviced my loans on behalf of the Dept of Education over a year ago ; however, both my loans were transferred to another loan servicer, XXXX ; and soon after the transfer occurred both my loans were paid off. Both XXXX and the DEPT of Education verify this, but EdFinancial refuses to update their records and correct the information on my credit reports.
Product: Checking or savings account

I have had an account with Bank of America for about 10 years. In those 10 years I cant tell you the number of times Bank of America has purposefully posted transactions to make me overdraw so they can charge me a fee. I was part of the class action law suit years ago but for some reason I continue to bank with them. This past Sunday XX/XX/XXXX I was overdrawn by {$6.00}. I do not drive and the bank is across town. I was told if I do a mobile deposit for {$7.00} it would bring my account current and avoid overdraft because nothing is processed until Monday. Which I did. Monday morning my account didnt have an overdraft fee so I assumed I was good. Monday night I received another deposit of {$400.00} to my account. To my surprise, Tuesday morning XX/XX/XXXX, I was also charged {$35.00} for an overdraft which should have been covered by the check I deposited Sunday as advised. Even if that hadnt cleared, the {$400.00} Monday night should have covered it. Bank of America is still lining up transactions in a way that debits before it deposits so they can charge you a fee. I called the company and sat on hold for over 30 minuets while they played a recording that still waiting for a manager XXXX XXXX, hopefully it wont be too much longer which I could tell was a recording and not even a live person. I was placed on hold and left on hold with no intention of a manager picking up. Bank of America apparently didnt learn after they were sued not to do this to people anymore.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX OF XXXX MO XXXX XXXX XXXX  XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRIES : TransUnion XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX 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 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 XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

XXXX Mail was received on XX/XX/year> by Midland Credit Management requesting validation of the debt. They responded with summary of an account that I am not aware about with fees and amounts that do not make any sense. They have failed to validate the debt which is a requirement of the FDCPA.
Product: Bank account or service

I opened a Citigold checking account on XXXX/XXXX/15 with an offer stating I would receive XXXX XXXX XXXX AAdvantage miles after meeting certain criteria. I then met those criteria, confirmed with a Citi representative that I had met the criteria, and was told to expect the XXXX AAdvantage miles to be deposited into my account by XX/XX/XXXX. During this time I was charged XXXX monthly service fee of {$30.00}. Now, after opening the account with the promotion, confirming that I had met the requirements, and confirming that the points would be deposited XX/XX/XXXX, Citi has pulled a bait and switch. They have suddenly decided I do n't qualify for the offer. Now I have {$30.00} of fees and I will not be receiving the airline miles. I 'm not alone. XXXX of people are in the same situation as me. I 've done google searches and found forums full of people having this problem. It 's not right. I 've been lied to, and my money has been taken. Apparently I have to uphold my end of the terms and conditions by paying a monthly service fee, but Citi does n't have to uphold theirs. Something needs to be done. I hope enough pressure can be put on Citibank to make them honor the promotion they already told me I qualified for.
Product: Credit card

On XX/XX/XXXX I went to the XXXX XXXX of KeyBank to open a checking account and apply for a credit card. Relationship Mgr/Personal Banker XXXX XXXX XXXX XXXX pointed me in the direction of the KeyBank secured credit card and told me specifically that after 1 year of on time payments it would upgrade to an unsecured card and my deposit would be returned. This information directly influenced my decision to apply for the card. XX/XX/XXXX this card has still not graduated despite on time payments. Keybank still has my deposit and customer service was unhelpful.
Product: Debt collection

I am writing to address an issue regarding a recent charge-off on my account. The creditor has classified this debt as a charge-off and reported it as a profit loss. They were supposed to provide me with a 1099-C form so that I can report this as income on my tax return. However, they are still reporting the outstanding balance on my credit report, despite having taken a tax deduction for this debt. 


XXXX XXXX XXXX Closed/Charged off as bad debt Profit and loss write-off XXXX. XXXXXXXX XXXX XXXX {$24000.00} and {$16000.00} also {$32000.00}
Product: Student loan

I had a repayment plan setup with Navient. I was told that in the event I did n't have money in my account for a scheduled payment I would need to call no later than XXXX one business day before the withdrawal. I called before XXXX the day prior to withdrawl, spoke with someone who shifted my payment date later in the month. CONFIRMED that this was shifted. I received confirmation numbers for the new dates. Navient debited my account anyway on the XXXX putting me negative and triggering overdraft fees. When I called to have this fixed on the XXXX of XXXX I was told that no one knew anything and an investigation had to be performed that no refund was possible until after the investigation and that I would hear back soon. I did n't hear back. I called back on the XXXX of XXXX and was disconnected 3 times trying to get information about my complaint. Eventually I was able to speak to someone who had some magical ability previously absent from other representatives to look at my account. He was able to determine what actually happened was that the " request '' I had called about on the XXXX was n't able to be processed, despite me having confirmation from the rep on the XXXX and confirmation numbers. No one knows anything. I should have been promptly refunded on the XXXX when I called and instead representatives from Navient chose to lie to try and avoid the reality of their actions. 

Navient withdrew money from my account without authorization. This has caused me extreme hardship as I am not able to buy groceries to feed my family. What they did was blatantly illegal and they do everything in their power to make it all but impossible to force them to correct their errors.
Product: Checking or savings account

i am inclosing pertinent information on my claim to the settlement I'm entitled to as there were accounts opened in my name to which I'm giving the claim number and the documents that were notifying me of the breach.
Product: Debt collection

Did not give any written consent to use my social security number 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
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. These items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX Balance : {$350.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$60.00} ; XXXX ( OriginalCreditor : XXXX XXXX XXXX ) XXXX Balance : {$330.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In the past months I see my credit report from XXXX  have numbers accounts and inquiries 44 inquiries are fraudulents accounts are XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX county  XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX all those accounts are fraudulents please tell XXXX to Delaware those accounts and I right now thank you so much God bless you
Product: Credit reporting, credit repair services, or other personal consumer reports

There was a data breach in which over confidential information from over XXXX XXXX XXXX was breached and is likely now public knowledge. This includes social security numbers, addresses, telephone number, and other information that could be use to steal one 's identity. I have placed a 90 day fraud alert from all three credit bureaus. I was able to access my reports from XXXX and XXXX, but the Equifax webpage kicked me out and I was unable to access the report. Although there was no fraudulent activity on the XXXX reports I was able to load, it can not be guaranteed that my identity will not be stolen in the future.
Product: Credit reporting or other personal consumer reports

To whom it might concern I am writing to DISPUTE the following files that your company supplied to one or more Bureaus.In this complaint, I have noted one or more issues I have concerns and questions about, justifiably, in relationship to one or more of its accuracy, completeness, timeliness, fairness, required adhering of Federal and state reporting laws and or sufficiency in your docious adhering to the mandatorily adapted credit reporting industrys standards namely the CDIAs own XXXX XXXX Formatted reporting without deviation ( XXXX ), errors, nor omissions of cognate information that might else better ensure integrity of maledictions made versus me. I request and you are MANDATED BY LAW to investigate any and all matters I am contesting the data reporters privilege to report of which possibly can have NOT been satisfied or suitably maintained. I further necessitate, and you are MANDATED BY LAW to comply with, that you present confirmable evidence of any negativitys certifiably compliant reporting in regard to its undoubtable accuracy, completeness, timeliness, fairness, and integrity along with factual assurances that your practices procedures and processes are passable even sure to confirm satisfying of the reporting privilege. COMPLIANT REPORTING IS NOT OPTIONAL, it is a MANDATED REQUISITE for ANY PARTY INVOLVED. Accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX , Axccess Financial/ Check n Go.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since you could not find my account in Fifth Third Bank to check possible payment error. For further study of this issue, I provide the following information to the Bank : Fifth Third Bank account number and screenshot from annual report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted for over a year to get XXXX XXXX XXXX XXXX to correct the reporting error on all three credit reporting agencies. My wife suffered a sudden XXXX XXXX on XX/XX/XXXX, and created a financial burden on us as we are on Social Security, or fixed income. Now she has XXXX XXXX XXXX and needs to be admitted to a XXXX XXXX XXXX and the negative reporting severely hurts my credit score needed for admittance to the XXXX XXXX. I am desperate for help. At the time of my wife 's XXXX XXXX my son spoke with our local XXXX XXXX XXXX who granted an extension for XX/XX/XXXX, provided I pay an additional {$100.00}, per month for 9 months, which I did. I was courtesy called and reminded me and that I was on schedule. I am obsessed with paying my bills on time. An agent I spoke with months ago agreed and said they would notify the Credit Reporting agencies to remove negative late payments. The only one that deleted their negative was XXXX. Transunion and XXXX will not remove theirs based on XXXX XXXX correct information. I have called numerous times and written XXXX XXXX XXXX several times and was rudely spoke down too. They claim it is up to Credit Reporting agencies to correct and remove negatives. Our local XXXX XXXX XXXX manager tried to help but she said that the Mortgage Division would not remove even her request. I have a perfect payment payment record with them. I do not deserve the type of harassment that XXXX XXXX XXXX has leveled on me, especially with the condition my wife is in and us being elderly. The periods are XX/XX/XXXX thru XX/XX/XXXX. Your help will be appreciated.