23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

XX/XX/XXXX I got an alert for a hard inquiry on my credit report. I contacted my bank which gave me a phone # for Bank of America which is the bank that opened a XXXX credit card in my name. I called them on XX/XX/XXXX and they told me no activity was done on the card and they will close the account. Thinking the bank was doing what they said I didnt worry about it. Today in the mail I got a letter from Bank of America dated XX/XX/XXXX stating the balance transfer check for XXXX they issued on my behalf to XXXX XXXX in Fl was mailed out on XX/XX/XXXX has not been cashed yet. I called the bank again today to question the letter and was informed that the account wasnt closed till XX/XX/XXXX. Thats very ridiculous
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in the midst of a heartbreaking pending divorce. My husband had all of the financial information and went behind my back in initiating all of this, which didn't give me any time to prepare or protect myself. Anyway, I just looked at my credit reports today and noticed several unauthorized and unfamiliar soft inquiries described as " Account Review Inquiries '' and 2 " Credit Reports. '' I would just like to know what they are and who authorized them without my permission. If it was my husband, he most likely used my SS, birth date, etc. and went behind my back yet again, to gather all my financial data. I have a suspicion that our accountant who has all of my information because he just did our taxes, helped him. 
CPA, XXXX XXXX XXXX XXXX XXXX, WA -- he would have the ability to check credit. 

I reached out to XXXX and to XXXX -- They were unable to see what kind of review they have procured. 

XXXX - Unfamiliar/Unauthorized Inquiries of Concern : XX/XX/2022 XXXX, XXXX. - Account Review Inquiry XX/XX/2022 CAPITAL ONE - Account Review Inquiry XX/XX/2022 XXXX XXXX  XXXX - Account Review Inquiry XX/XX/2022 XXXX - ( my personal bank ) CREDIT REPORT XX/XX/2022 XXXX XXXX XXXX ( potential equity loan change right before he surprised me with divorce papers )- All other Prequalifications not listed XX/XX/2022 CAPITAL ONE ( my personal credit card ) - CREDIT REPORT XXXX CREDIT REPORT : XX/XX/2022 CAPITAL ONE - It doesn't give a description other than " Requested On '' The others like XXXX XXXX XXXX XXXX ( my husband has an account ) and XXXX XXXX -- those may just be promotional inquiries. 

I'm tired of him going behind my back. Please confirm what financial entity has authorized these inquiries and what they even are! Thank you, -XXXX
Product: Credit card

Verizon Visa Synchrony card was being used for autopay on my Verizon wireless account. I changed carriers to XXXX on XX/XX/2023 and paid my remaining balance due to Verizon on their Synchrony of {$160.00} on XX/XX/23. I paid off the remainder owed on the phone contract with Verizon directly to the carrier ( {$1200.00} ). They charged me another month after the phones were fully ported. I sent them the documentation with a request to not allow any further charges on this account and to remove the {$240.00} which was charged after the phones were no longer in service with them. They continue to send me a bill for {$240.00} and they have made it impossible for me to access my account online. 

Synchrony Bank credit cards have been problematic in the past as well. I think their tactic is to make it so difficult to remove bogus charges that people give up and pay them.
Product: Checking or savings account

Hi! I'm writing about unauthorized purchases to my account with BOFA. Since, around XX/XX/2022, we have had approximately {$19000.00} unaccounted for! It's been to our understanding that our identity was stolen. BOFA closed the old account were most of the funds had been unauthorized. The unauthorized charges continued on the new account at that time!? Most of the unauthorized charges were coming from XXXX, Colorado! We have exhausted all means of resolving these unauthorized purchases with BOFA. We've went to several branches with BOFA in person, spoke to supervisor after supervisor. They said they couldn't help us there. They just continued to tell us to call their fraud department. We and different Family members/friends attempted to try and get results with no progress! 10 to 15 times on the phone with agents, and supervisors including their fraud department, over and over! We just keep getting the run around. Stealing money from the elderly ( XXXX and XXXX ) years old! is reprehensible. Our account was closed on or around XXXX of XXXXWe were issued a new ATM/debit card and new account number. Unauthorized charges kept coming out of our account. The agents on the phone just kept placing us on hold over and over then transferred to several Supervisors with no results! Their fraud department has created 3 cases. We have 3 claim numbers with no results!!! We filed a police report case # XXXX with the XXXX. We've reached out to XXXX XXXX and they have been supportive. They referred us to you. Looking forward to hearing from you! Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Product: Debt collection

I need to know that you are really the company I should be dealing with on this debt. 
I do n't want to make a payment to your firm and then find out that I should have paid a different firm, and be sued by them. 
Please provide me with documentation that your firms ' either owns this debt or have authority to collect it, so that I will know that if I make a payment to you, the payment will be going to the proper company. 
I also need to know how you calculated the balance you say is due. 
Please provide me with an itemized breakdown of what you claim that I owe, identifying and explaining any fees, interest or other charges you 've addedIf you provide competent legal information, we may be able to reach a settlement or a payment arrangement. 
All such agreements need to be in writing, have a beginning and ending date with a clear number of payments to reach a settlement in full without additional interest charges or hidden fees, and you must agree not to resell or reassign the subject debt unless I default. 
This agreement needs to be signed by a person in your firm with the appropriate authority. 
I wo n't allow EFT withdrawals, or access to or from my accounts, all monies sent would be certified checks, or money orders. You do not have validation of me, I suggest you delete the Derogatory remarks from all CRA at XXXX. You do not have a contract with me. 
They purchased my personal information, without my authorization. It is being reported on all XXXX CRA reports as a charge off paid in full. The information is damaging. It is report as XXXX XXXX account number XXXX high XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/, I sent a cerified letter to equifax ( atricle XXXX ) requesting equifax to investigate a XXXX on my credit report. Equifax did remove some items but the main item was not addressed.Equifax uses third party verification. In my letter I sepcifically stated " I do not consent to e oscar or any means of automated verificaton. On a response letter I recieved on XX/XX/XXXX Equifax quotes '' If your dispute involves a third party vendor to obtain the most recent status of public record. '' The action Equifax has taken has violated FCRA regarding correct information on a credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is the only company that shows XXXX accounts not listed on XXXX XXXX XXXX. I demand transunion remove the XXXX XXXX and XXXX XXXX account off my report immediately.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC, XXXX XX/XX/year> To Whom It May Concern, Subject : Closed Account Removal Request I am writing to dispute the reporting of a closed account on my credit report. Under the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX guidelines, all information provided to the credit bureaus must be accurate, complete, and verifiable. 

The following closed account appears on my credit report, yet there are inconsistencies in its reporting : XXXX. XXXX XXXX XXXX XXXX XXXX : XXXX XXXX. XXXX XXXX XXXX. # : XXXX This account does not meet XXXX XXXX compliance standards in XXXX or more of the following ways : Accuracy : The account XXXX contain incorrect dates, balances, or status not aligned with my records. 
Completeness : Incomplete information about this closed account is present, which misrepresents my creditworthiness. 

Under XXXX5 U.S.C. 1681i, if any item on my credit report can not be verified as accurate, it must be removed. Given these discrepancies, I demand that this closed account entry be deleted from my report within 30 days, or I will take further action with the Consumer Financial Protection Bureau ( CFPB ) and other regulatory bodies. 

Thank you for addressing this matter promptly. 

Sincerely, XXXX XXXX. XXXX XXXX XXXX
Product: Mortgage

My mortgage lender CitiMortgage is refusing to allow me online access to my mortgage account.
Product: Credit reporting, credit repair services, or other personal consumer reports

" My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following accounts from my credit report immediately.
Product: Debt collection

On XXXX XXXX, 2018 I sent a certified letter to the company Portfolio Recovery Associates regarding a debt that is reporting on my credit report. The letter stated them to validate NOT VERIFY a debt that they was attempting to collect from me. I specifically asked for a signed agreement and other documents validating this debt. They sent a letter that clearly does not validate this debt by which does not prove that I am not obligated to pay them anything. They have reported delinquent information to the credit bureaus that i am asking to be deleted. I have no known relations with this company. Also the letter they sent me contains the last four digits of a social security number that is not mines.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im showing a loan from a XXXX XXXX XXXX  on my credit report and I have no knowledge of this account nor have I ever applied for a loan or line of credit with this company
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX continues to report inaccurate information to the credit bureaus on my credit report. I have written to XXXX popular many times and they told me that they were going to fix it because they made the mistake. It has been over 6 months now and they still have not fixed it. The bank representatives that I had spoken to at XXXX XXXX XXXX, is miss XXXX XXXX and XXXX XXXX. I am hereby asking them to please fix or delete this derogatory item from my credit files/report.
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance XXXX {$0.00} XXXX XXXXXXXX XXXX Balance : {$2900.00}
Product: Credit reporting or other personal consumer reports

This compliants about inaccurate information being reported on my credit report. Under the law, a credit reporting agency must take action to verify information submitted as inaccurate. 

XXXX XXXX XXXXXXXX Balance {$15000.00} XXXX XXXXXXXX Balance {$0.00} XXXX XXXXXXXX Balance {$0.00}
Product: Debt collection

I HAD A LEASE VEHICLE THROUG XXXX XXXX WHEN I WAS A XXXX XXXX  I TURNED THE CAR BACK IN THE MONTH OF XX/XX/2018 AND I DID'NT OWE ANYTHING THE COMPANY WAS TAKEN OVER BY FAIR ACQUISITIONS I READ THROUGH A POST I FOLLOW CONCERNING XXXX XXXX  FAST FOWARD TO NOW I WAS CONTACTED BY XXXX XXXX XXXX ON BEHALF OF ROCK CREEK CAPITAL LLC STATING THAT I OWE XXXX AND THAT'S UNTRUE I OWE THEM NOTHING BUT THIS COMPANY FAIR ACQUISITIONS NEVER TRIED TO REACH ME ABOUT ANY DEBT AND I HAVE BEEN AT THE SAME ADDRESS FOR YEARS I FEEL THEY WERE BEING VERY DECEITFUL NOW THIS COMPANY THEY HIRED HAS PLACED THIS ACCOUNT ON MY CREDIT UNFAIRLY AND I AM STRESSED OUT SO PLEASE HELP.
Product: Credit reporting or other personal consumer reports

Identity Theft! There are accounts in my credit report that are not mine. I do not have a record of doing business with these companies. Please remove these fraudulent accounts, as you know they are in violation of the Fair Credit Reporting Act. Attached you will also find my ID as proof of my Identity.
Product: Credit reporting or other personal consumer reports

This is on my credit as a charge off and I'm requesting a 1099c from the company west lake financial, Now it's under XXXX XXXX XXXX XXXX who I don't know who they are and never had a contract with.
Product: Debt collection

AFNI is reporting a debt on my credit file that I do not owe. I recently checked my credit and noticed this account on my file. I never received any phone calls or letters in the mail regarding this debt. As soon as I found out I called and paid it. AFNI stated that they would delete this account and send me a deletion letter and I have not received anything.
Product: Credit card or prepaid card

On  XXXX / XXXX / 2017  I called and told them that my card along with my wallet have has been stolen and my card had been used to make different transactions. They denied my claim stating that they were authorized. They didnt even try to investigate it.
Product: Student loan

i was encouraged to attend XXXX XXXX in XXXX and i was discouraged at first when i was told i need money. Since i had no credit history XXXX ( school recruit ) said it would not be a problem for ME to receive aid just as long as an established financially responsible adult would co-sign. 
That's not at all what happened. At any rate i graduated but the school at that point showed its true colors. The XXXX XXXX XXXX where i completed my XXXX ( no pay ) did offer me employment, but at $ XXXX/hr. When i reached out to the school first or foremost requesting my Degree, they failed to do up to present day. I never received my degree. The school will not acknowledge nor did it ever follow up. Secondly the recruit lied and took out a mortgage on my mom from XXXX XXXX, which today Nelnet records show that they gave her the loan as a parent plus, but on their website it clearly states otherwise. And also i was trying to attend the XXXX XXXX XXXX XXXX, and the finance dept their told me that my mom took out a personal loan. That XXXX had said and disguised it as the parent plus. 
Honestly from the minute i completed my 180 hours XXXX. i was confused and uninformed as to why i was making to seperate payments. i never denied wanting to repay. i just always demanded that i have one payment and that it needed to be under me. i know that they did wrong. i filed a case more recently where i was actually given a number for reference. # XXXX the Nelnet acct # im beyond frustrated and concern with is XXXX. 
if you look and review it i would appreciate it. 
Sincerely,. 
XXXX XXXX
Product: Checking or savings account

I am a sole proprietorship in XXXX House XXXX services. I was approved through the XXXX for a loan in the amount of XXXX. A loan i have to payback and have interest on. My account that was a personal account through chase bank, which i notified them about the deposit. It was direct deposited in the account XX/XX/XXXX or XXXX i have no access to the account for the exact date. My purse was stolen from a hotel and charges were made that i did not authorize and i was debited back the money around XXXX $ over XX/XX/2022 XX/XX/2022. I had some issues getting my bank card, I had moved out of the address they sent the card. I could not update the address because it took 30 days for there system to update. I was in between homes at the time so i was staying in hotels. I had to get withdraws from the branches in XXXX XXXX. I guess this gave them reason to close my account XX/XX/2022 I was told a cashiers check would be mailed to corrected address. It was but it was only for XXXX it was XXXX short. 
I was told to bring in documents. I took in tax returns, loan agreements, denial letters, written receipts. None of these were acceptable. in fact on XX/XX/2022 i went into branch to upload one last document, i was told they had none of my documents in there data bank. its now XX/XX/2022. I can not get a account no where and im at my wits end with this i need my money. how is this ok
Product: Credit card or prepaid card

I received a MasterCard gift card from my employer for {$500.00}, purchased on XX/XX/XXXX. 

I went to use the card in XX/XX/XXXX and the funds had already been used - {$490.00} on XX/XX/XXXX. The packaging was fine but the card itself was damaged and the 3 -digit code on the back of the card had been tampered with and removed. The card had clearly been scammed and compromised prior to me using it. 

I called the customer service number on the back of the card and completed an online case on XX/XX/XXXX, providing details and all documentation including photos of the card and the purchase receipt. My case was denied on XX/XX/XXXX and they told me to contact the Disputes Team. 
I completed the online dispute form on XX/XX/XXXX with supporting documentation again but my case was denied on XX/XX/XXXX citing " ... account discrepancies are to be communicated to us no later then 60 calendar days after the transaction has posted to your account. Unfortunately, we did not receive your inquiry within this time limit. We have no resources to recoup these funds for you. '' I explained in my dispute application that it was impossible for me to communicate the issue within 60-days as i hadn't opened the package.
Product: Checking or savings account

Capital one froze my account say there is a fraud investigation against me.i contacted the sba and they said that my account is in good standings that they don't have any idea why capital one would be doing this. I've called serval times to be directed to a voice mail service. They have every XXXX I have froze up and will not release it.
Product: Debt collection

Justice Finance located in XXXX, Texas. Called me Multiple times at day at work for weeks straight after being told multiple times that I could not receive personal calls at work. XXXX told my manager, and family members other than my spouse about my debt. She threatened to sue me and have me arrested as well.
Product: Debt collection

someone stole my identity information and used it to create several accounts that i have protested because they are fraudulent I have a police report with the information as well as had to report to the ftc id theft affidavit notarized but this company is reporting this on my credit and trying to collect
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act ( hereafter referred to as " FCRA '' ), Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. Therefore, I am demanding to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. ALL THESE ACCOUNTS HAVE BEEN ON MY CREDIT REPORT SINCE XX/XX/2009. 
PLEASE DELETE AND REMOVE XXXX XXXXXXXX XXXX # XXXX US DEPT OF EDXXXX # XXXX US DEPT OF EDXXXX # XXXX XXXX DEPT OF ED/XXXX # XXXX
Product: Debt collection

I received an email from the payroll department at where I work and they told me : -- -- -- -- -- Forwarded message -- -- -- -- -- From : XXXX XXXX : Tuesday, XX/XX/2015Subject : Request to speak with the payroll department about an employeeTo : XXXX XXXX, Got a call for you from the below company. They were trying to get funds garnished from your wages with the firm. I told them you were a XXXX and they said they will do a Release in Doubt. Not sure what the heck this is but thought you should know. 
XXXX XXXXTrans World Systems ( debt collector ) Ref # XXXX have no knowledge of a debt to Trans World Systems. They threatened to do a wage garnishment when they have not sued me nor do they have a judgment. 

This is illegal, deceptive and contacting 3rd parties about some debt and claiming that they will do a wage garnishment is completely illegal They need to be investigated.
Product: Debt collection

This debt was charged off on 2001 and no longer on my credit report in any way. I do n't know how they found my information but they are trying to collect a debt that no longer exists. This is fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted disputes to you and I didn't get a response within 30 days and ya 'll are required by law to do so. Please investigate my disputes, please Thank you.
Product: Credit reporting or other personal consumer reports

Please review the negative accounts and collection on my credit report. I NOT Using credit repiar company tohelp me on my dispute Thank you
Product: Debt collection

No notice of this debt received. If they say I owe the debt, I require the following for debt validation : copy of purchase agreement, copy of original contract, name of original creditor, payment history, and any other debt validation.
Product: Credit reporting or other personal consumer reports

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within XXXX  days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX  Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.