23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I filed a claim with Bank of America on XX/XX/XXXX. {$260.00} was stolen from my account which is linked with my unemployment benefits. On XX/XX/XXXX I was told that the claim was closed. It was reopened that same day. A few days later I received a new card. I was also told to file a police report and fax it in. Wednesday this week I was told my claim was accepted and Id have my money back in 10-14 days. Yesterday I was told that the account was closed and I had to contact the sponsor to get my money back. My UI account is still active and it seems Bank of America is responsible for this issue and they refuse to take accountability
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX I have never lived at XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX and the account that they are stating that was open in my name without my permission or knowledge is a fraud account and I have requested that they remove this from my credit report a number of times and they refused to do so. I will be seeking a lawsuit under 15 U.S. Code Subchapter V - DEBT COLLECTION PRACTICES 1692d. Harassment or abuse 1692e. False or misleading representations 1692g. Validation of debts Not providing validation of the debt when I first requested it so that I could prove that the account was not mine and never open by me.

1692f. Unfair practices.

Also, under 15 U.S. Code Subchapter III - CREDIT REPORTING AGENCIES 1681n. Civil liability for willful noncompliance 1681o. Civil liability for negligent noncompliance.

They had five days from my first request to prove me a copy of the validation of the debt and they never did so with my first request therefore they can not use this time to provide it to me and must remove the account from my credit report. 


I am requesting that they remove this account from my credit report and provide me validation of the debt as stated in 15 U.S. Code Subchapter V - DEBT COLLECTION PRACTICES ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.
Product: Debt collection

I went on XXXX this morning and there was a change to my account that XXXX XXXX had sold an account to Falls Collection. I have been disputing the validity of the debt with wisconsion energy, and falls collection has submitted to the credit bureaus that this is a collection WITH OUT GIVING ME ANY WARNING THAT THEY HAD PURCHASED THE ACCOUNT, NOR HAD THEY GIVEN ME ANY CHANCE TO DISPUTE THE DEBT.
Product: Checking or savings account

I applied for an account under a promotion and have completed all the required steps. I have reached out to them multiple times and they have not reconciled the problem.
Product: Debt collection

since XXXX franklin has been reporting that i owe {$420.00} to them. i have asked for validation which would include my signature on a contract showing that i have done business with them or XXXX and they have not sent this in 6months. i have informed them that i have been the victim of id theft and they have not fixed the issue that i have been disputing. attached i will be including the ftc id theft report as well as a evanton police report verifying that i was the victim of id theft.
Product: Credit card

On XX/XX/year> I used the CITI app to pay {$2000.00} towards my balance on card ending in xxxx Once that transaction was complete I clicked on a button that I thought was " XXXX XXXX XXXX. This is a program were you can choose to pick large purchase into a fixed number of payments for a lower interest rate. I accidentally hit a button " XXXX  XXXX '' which similarly provides consumers to select a dollar amount to take cash out for a set term for a lower interest rate. I discovered my error but the app didn't not provide a review or a means to cancel the transaction and the loan processed. 
On XX/XX/year> I contacted CITI at the XXXX number to inquire how to cancel the loan or pay it off as I didn't not intend to take out a " XXXX XXXX '' but rather consolidate my purchases into " XXXX XXXX  ''. The agent informed me their was no way to cancel the transaction as it was a electronic transfer into my bank account. I inquired if I could pay off the loan immediately upon the funds transferring. I told her I had read on CITI website that XXXX XXXX can be paid off early without penalty. She confirmed that was accurate and told me to just pay off the {$2500.00} as soon as it was available. 
On XX/XX/year> the transaction had fully processed and I was ready to pay back the {$2500.00}. I went to pay off the loan on the app but there was no where to direct the payment directly to the loan but rather just the card itself. I called the XXXX number to seek further directions. At that time the agent told me that there wasn't a way to pay directly to the loan and that the disclosure statement, states that if I paid the {$2500.00} it would go to the highest interest rate balance first and then once it is at XXXX the loan would then be paid. I asked to speak to a supervisor and was put on hold for a supervisor. I explained the situation again and was given the same canned answer from the script. I expressed my frustration with the deceptive way CITI offers the XXXX XXXX  and XXXX XXXX that are 2 entirely different products but are easily confused. I also expressed it was deceptive to tell customers they could pay off the loan early without penalty when in fact they can't if they have a card balance. The card balance will always be paid first even if you have paid the minimum for the month. I asked based on the situation could we simple reverse the loan and move on. the CITI representatives stuck to the company script and made no attempts to assist me on the situation. 
I notified them I would be writing CITI and asking for a correction and in addition I would be reporting them for vague and deceptive marketing practices. The need to clearly state that you can only pay off the loan early if you have a {$0.00} card balance. They also need to insure the consumer does not inadvertently select the wrong product that are named very similar but have very different offerings.
Product: Student loan

For 12 Months Straight, Heartland ESCI has sent incorrect paper invoices via mail including late fees. Upon calling the company, they apologize and tell me to disregard. However, online the account is showing there are no late fees. It is getting aggravating to continuously receive paper invoices of incorrect amonts and stating I have late fees.
Product: Credit reporting or other personal consumer reports

i have submitted multiple times supporting documents to all three credit report agentcies, they are not in complience they are reporting incorrect information on my credit report. 
please advise that i need assistance to resolve this current problem.
Product: Mortgage

This is a complaint based on your letter of XX/XX/XXXX and it refers to my letter to Wells Fargo dated XX/XX/XXXX. 
I am in the process of reviewing my documents with respect to my mortgage and foreclosure with Wells Fargo. Wells Fargo did not accept my mortgage payments after XX/XX/XXXX and up until the eventual foreclosure in XXXX. I have attached another copy of my letter dated XX/XX/XXXX to Wells Fargo. Please note exhibits B, C and D. 
As you can see from the quotation within their letter dated XX/XX/XXXX ( exhibit B ) This was the first time that they did not accept my legitimate mortgage payment I made on XX/XX/XXXX. In addition, from their quotation there were previous remitted funds that had not been applied As you can also see in my letter of XX/XX/XXXX, that I requested the final destination of these unapplied funds. 
Exhibit C is their check that was sent back to me in the amount of {$2400.00} representing their refusal dated XX/XX/XXXX. I did not cash that check as this was a legitimate mortgage payment. Exhibit C is a copy of their check never cashed. 
As you can see from exhibit D, Wells Fargo in their letter dated XX/XX/XXXX stated Were writing to let you know that a check we sent you hasnt been cashed yet. Here are the check details : Check number : XXXX Issue date : XX/XX/XXXX Check amount : {$2400.00} Individual state law requires us to eventually send all unclaimed funds, such as uncashed checks, to the State Unclaimed Property Department if we can not locate the owners within a certain amount of time. 
My letter to the CEO of Wells Fargo dated XX/XX/XXXX has not been responded to as of this date. 
In addition, I requested Wells Fargo in my letter of XX/XX/XXXX to give me the page number and line number from their abandoned property report as a sufficient time has elapsed so that I may be able to reclaim these funds they never wanted. 
What I have written is not necessarily all my complaints, as I said I am still reviewing the documentation for the mortgage and the foreclosure.
Product: Debt collection

I was in a hit and run accident in 2010. When I went to the hospital they admitted me with a fictitious name. XXXX medical bills were went to collection instead of to my attorney. I had my attorney contact the credit bureau and explain the delay in payment. When I saw them again I called only to be rudely addressed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the C.L.U.E. Report and other furnished Lexis Nexis, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX . My current and only address is XXXX XXXX XXXX XXXX XXXX XXXX,TN XXXX I have unknown or fraudulent addresses appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following addresses:XXXX XXXX XXXX XXXX XXXX, XXXX, TN XXXX XX/XX/XXXX
XXXX XXXX XXXX, XXXX, TN XXXX 
XXXX XXXX XXXX, XXXX, TN XXXX XXXX XXXX XXXX, XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX, XXXX   TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX  
XXXX   XXXX XXXX XXXX XXXX XXXX, TN XXXX  
XXXX XXXX XXXX, XXXX, TN XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, TN XXXXXX/XX/XXXX
XXXX   XXXX XXXX XXXX XXXX, XXXX TN XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX, XXXX XXXX, CO XXXX XXXX XXXX XXXX XXXX, TN XXXXXX/XX/XXXX Please remove the following  numbers :  (XXXX) XXXX  XXXX) XXXX (XXXX) XXXX (XXXX) XXXXXXXX (XXXX) XXXX (XXXX) XXXX
(XXXX) XXXX  (XXXX) XXXXXXXX (XXXX) XXXX  The following account is not mines:XXXX #XXXX
Product: Student loan

I would like to receive my payment history ( date and amount ) from XX/XX/XXXX - XX/XX/XXXX from Navient. <P/>On XX/XX/XXXX at roughly XXXX EST I spoke with XXXX and I was told this information is not available to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account name XXXX XXXXXXXX XXXX Account number XXXX Account type Auto Loan 15 us 1681a2 I didn't give written permission to have those accounts furnished on my account
Product: Credit card or prepaid card

Friday on the XXXX of XX/XX/2019 my balance XXXX i bought a few items everything was fine and then somebody took my card and paid the gas at a pump so like normal they put a XXXX $ on hold but once the transaction went through they took XXXX $ never gave it back .. i bought a tv from XXXX canceled the order they took my money and never gave it back im missing almost 300 $ out of my account transactions are constantly changing and not making sense dates disappearing its terrible
Product: Vehicle loan or lease

At the completion of my lease with Hyundai Finance, on XX/XX/2020, I made numerous attempts to return the car to the dealership. Multiple telephones calls and a visit were made to the dealership which I learned was closed do to the COVID pandemic. Subsequently, telephone calls were made to Hyundai Finance and after numerous attempts over period of 30-60 days I was finally able to make contact with a representative that stated " the finance office was closed do to the COVID pandemic '' and that I should continue to try and get in touch with the dealer. I explained that the dealer was closed, that this was a significant hardship since I had to continue to keep the car insured and I was unable to lease a new car. I was told that there was nothing that Hyundai Finance could do and that the car had to be returned to the dealer that I leased the car from. Subsequently, Hyundai pickup the car from my residence and reported to the credit agencies that the care was repossessed.
Product: Credit reporting or other personal consumer reports

In accordance with the provisions set forth in the Fair Credit Reporting Act, I would like to bring to your attention that the list of accounts provided below has infringed upon my federally protected consumer rights to privacy and confidentiality, as outlined in 15 U.S.C 1681. 
1. The XXXX XXXX account # XXXX has violated my rights. 
2. The XXXX XXXX account # XXXX has violated my rights. The Fair Credit Reporting Act, specifically 15 U.S.C 1681 Section 602 A, asserts my fundamental right to privacy. Additionally, 15 U.S.C 1681 Section 604 A, Section 2, stipulates that a consumer reporting agency can not furnish an account without obtaining my written instructions.

Furthermore, under 15 U.S.C 1681c. ( a ) ( 5 ) Section, it is stated that no consumer reporting agency may include certain items of information in a consumer report. Specifically, it prohibits the inclusion of any adverse item of information beyond records of convictions of crimes that precede the report by more than seven years. 15 USC 1681i ( a ) ( 5 ) ( A ) ( i ) states when a consumer disputes the accuracy of information in their credit report, the CRA must thoroughly examine the evidence and documentation provided by the consumer to support their claim. Lastly, as per 15 U.S.C. 16815-2 ( A ) ( 1 ), it is mandated that no person shall furnish any information concerning a consumer to any consumer reporting agency if they are aware or have reasonable cause to believe that the information is inaccurate. 
I kindly request your prompt attention to these violations and seek your assistance in addressing and REMOVING these issues in accordance with the Fair Credit Reporting Act.

15 U.S.C. 1681s-2 ( A ) ( 1 ) ( F ) : Reporting information during COVID19 pandemic
Product: Credit reporting, credit repair services, or other personal consumer reports

Please forward to Equifax HQ related to the Hard Inquiry done on my account by XXXX/XXXX  on XXXX. 
After me being approached while shopping by a promotional XXXX lady to promote XXXX sales by the way of giving people 10 % off if consumer open up a credit card, not initially telling the consumer they are doing a credit application online but collecting as much information about that consumer is a unique strategy to increase sales. Once the data is in the system, some consumer later find out the process to getting the 10 % allow it to go through XXXX system. However, I stop instantly after she asked for my SSN. Their strategy to increase sales caused ( 1 ) A communication break-down between the consumer and the promotional lady, ( 2 ) Materialized into an invalid hard inquiry ( 3 ) Caused the consumer ( me ) credit score to drop by 2 points and ( 4 ) Caused me extreme distress. 
( A ) XXXX XXXX wrote on XXXX to Equifax, Inquiries are a factual record of the file access. 
( B ) XXXX  XXXX  wrote a letter on XXXX sent to my address, I quote, unable to approve your application at this time, because we could not verify the SSN you provided in your application against information we obtained from the credit-reporting agency. 
In the above case, XXXX XXXX is talking about Equifax making it appeared the banks preference is with Equifax. 

Correct me if I am wrong, but I question the above situations : ( A ) If a consumer releases limited Info excluding SSN, and if approve through a hard inquiry, that consumer can get credit cards, cars etc.? 

( B ) First of all, On XXXX, I never expose my SSN to anybody at XXXX XXXX, MI. Nor did I put my signature on a hard copy or online ( tablet/POS ) credit application. Also, if noting match/verify with credit-reporting agency, why did the hard inquiry appeared and drop off on XXXX and XXXX but still in Equifax system. In addition to the category ( B ), XXXX XXXX has had all my information in their database for years. Now all of a sudden, they can not receive varication with my SSN. I am confused. 

Equifax is the only reporting credit agency allowing an invalid hard inquiry to stay on my account causing me additional destress. Correct me if I am wrong but I thought the reporting credit agencies are supposed to be an advocate for the consumers who hold and protect consumer sensitive data. The resolution is to be an advocate for all consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX credit report, there is an address listed that I never had : XXXX XXXX XXXX XXXX  wv XXXX. Also, there is a hard inquiry from XXXX that I never made. There are numerous soft inquiries that I am not making. 
On XXXX credit report, there are XXXX  hard inquiries that I have not made : XXXX XXXX & XXXX XXXX CARD. There are also multiple repeated closed accounts of XXXX XXXX, which is the same account as my active US DEPT OF ED/XXXX 
On Equifax credit report, there are multiple repeated closed accounts of XXXX XXXX which is the same account as my active US DEPT OF EDXXXX.
Product: Mortgage

To whom It may concern : I currently have a mortgage with Flagstar. I called customer service on XX/XX/2021 and I spoke with XXXX and she said that this conversation will be recorded for training purposes. I said that's fine and I told her that I wanted to get rid off my PMI payment because my house has gain a lot of equity. She advise me that because I have been in the house more than 2 years that it should not be a problem to remove the PMI. I asked her that If I needed to get my own appraisal or does the company supply one? She said that I can get my own as long as the person doing the appraisal is licensed. So I said are you sure and she replied... yes! So I said OK!

So I went ahead and got myself an appraiser that was licensed and paid {$450.00} for the appraisal. I called back and spoke to XXXX ( customer service ) to find out were to send the appraisal report and she ask me if I had filled out a PMI waver? I replied no because no one told me to fill out the waver before the appraisal. Anyways I went ahead and filled out the waver to drop my PMI. I called on XX/XX/2021 to find out the status on my PMI waver and they said that I needed to be with Flagstar at least 2 years without late payment. I told the customer service that I was not told that in my first conversation. They said that as long as I was living in the same house that, that should be ok. I told customer service that If the first person I spoke to should have told me that I did not qualify for the PMI waver because you do not have 2 years with us. I would have not proceeded with the appraisal. But again I got the wrong information from Flagstar. I spoke with XXXX the supervisor and she assured me that they would check the recordings for that day to hear the conversation between me and customer service. XXXX said to check with her in about 2 weeks to make sure that what I said was true. I have made several attempts to rectify this problem but they told me that they will not refund my money even though it was not my fault and I did exactly what Flagstar told me to do. I feel that they are using unfair practice and they are not following their code of conduct and business ethics. I am out {$450.00} because improper training by Flagstar and they will not take responsibility for their mistake. Thank you for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letter to all 3 Credit Bureaus XXXX Equifax XXXX In Regards to many fraudulent accounts on my report that I have been attempting to have removed. I have validated all documents and necessary verification information and I am now seeking to have these fraudulent accounts listed below removed from my report. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX # XXXX ( all 3 bureaus ) XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX # XXXX ( Equifax & XXXX ) XXXX XXXX XXXX XXXX # XXXX ( all 3 Credit Bureaus ) XXXX. XXXX XXXX # XXXX ( All 3 Credit Bureaus ) XXXX. XXXXXXXX XXXX XXXX XXXX ( All 3 Credit Bureaus ) XXXX. XXXX XXXX XXXX XXXX # XXXX XXXX XXXXXXXX XXXX # XXXX ( All 3 Credit Bureaus )