23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received Frost-Arnett debt XXXX notices ( dated XX/XX/year> and XX/XX/year> ) and responded with a memo ( dated XX/XX/year> ) detailing my reasons for my dispute of the alleged debt. However a subsequent review of my personal records indicated that I did agree to pay {$56.00} to the original creditor/medical facility ( a XX/XX/year>, XXXX a.m. conversation with medical customer service representative identified as " XXXX '' XXXX. I made clear to " XXXX '' that I disputed the remainder of the claimed medical facility debt ( approximately {$300.00} ) and indicated my reasons. 

In short, my complaint against debt collector Frost-Arnett is for misleading/deceptive business practices. The XX/XX/year> statement indicated a balance of {$330.00} was owed. The XXXX, XXXX statement indicated {$56.00} was owed as the notice included statement, " You paid or were credited this amount toward the debt : {$340.00} '' and the " Total amount of the debt now : {$56.00}. '' I forwarded a {$57.00} money order to Frost-Arnett on or about XX/XX/year>. However a XX/XX/year> Frost-Arnett statement indicated that while the {$57.00} money order was processed, the balance due on the account is {$330.00}.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I notice unauthorized inquiry activity on my account. XXXX : XXXX XX/XX/year>.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not know how this works, but I need it done or somehow corrected. My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX SS XXXX DOB XXXX I had some issues with my income being affected by the COVID-19PANDEMIC SHUTDOWN. I was under the 1 CARESAct, Pub. L. 116-136, section 4021, codified at FCRA section 623 ( a ) ( 1 ) ( F ) ( i ) ( I ), 15 U.S.C.1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). I am requesting some accommodations so I care to protect the integrity of my credit file. XXXX XXXX XXXX  XXXX XXXX  # XXXX account is reporting 30, DAYS LATE since requested assistance due to the pandemic. I am buying a Home this month and these errors are definitely holding back my process.
Product: Credit reporting or other personal consumer reports

CFPB complaint XXXX has been open since XX/XX/year> with Experian, exceeding the XXXX required by FCRA. The company has not responded with proof of account information, however, Experian has not removed the account from my credit report as required by credit reporting guidelines. This is causing undue financial harm to me.
Product: Consumer Loan

I have a Care Credit account at Synchrony Bank. I went to the website to have {$100.00} withdrawn from my checking account each month. Unbeknownst to me, the option to " pay In Full '' was also checked. ON XX/XX/XXXX they withdrew {$3000.00} from my checking account. I did n't check my account for a week as I had a running total in my mind as to what I had in the bank. Again unbeknownst to me, My bank had been withdrawing from my savings to pay my bills. I called Synchrony for a refund and they said 3 to 5 days, I called a second time and was told 7-10 days, the third call I was told it would be 15 days, the fourth call, which was yesterday XX/XX/XXXX, I was told two to three weeks and TODAY I was told the check had been mailed XX/XX/XXXX. I still do not have my check, I have overdraft fees and I am hungry. I am beyond furious. I asked for a transcript of my calls and was told I could n't have it. I did ask for them to wire the money back to me and I was told that they could n't do it. My brother who is a XXXX in Illinois said that they can but obviously did n't want to. He is the one that suggested I contact this agency.. I have complained to the BBB and would like to know if there is anyone else I could contact. PLEASE help me!!!
Product: Credit reporting or other personal consumer reports

As permitted under 15 U.S.C. 1681i of the Fair Credit Reporting Act ( FCRA ), I am requesting that you investigate the disputed entries and correct any errors. 
Below, I have listed the specific items I dispute, along with the reasons for the dispute : XXXX. XX/XX/XXXXXXXX Account numberXXXX XX/XX/year>2024. 
Please investigate these discrepancies and provide me with written confirmation of your findings. If the disputed information is found to be inaccurate or unverifiable, I request that it be removed or corrected promptly in accordance with the requirements of the FCRA. 
Under 15 U.S.C. 1681i, you are required to complete this investigation within 30 days of receiving this dispute. Additionally, I request that you provide me with a copy of the results of your investigation, including any updates or corrections made to my credit report.
Product: Credit card

My credit card is being locked and declined too frequently requiring me to be on the phone for hours and visit a Bank of America branch very often, sometimes daily. When I call support to try and assist me with this problem, they will usually lock my card and require me to go back to the bank.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to formally notify you that my identity has been stolen, and despite taking the necessary steps to address the issue, no resolution has been reached after more than 30 days. I have taken the following actions to rectify the situation : I have contacted all three major credit bureaus ( Equifax, XXXX, and XXXX ) to report the identity theft and requested that they take immediate corrective action on my credit report. 
I have filed a formal complaint with the Federal Trade Commission ( FTC ) and created an Identity Theft Report through the FTC 's identity theft process. 
Despite these steps, the fraudulent information remains on my credit reports, and no resolution has been provided. It has now been over 30 days since I initially reported the identity theft, and I am seeking your assistance to expedite the deletion of all fraudulent accounts and information from my credit file. 

Please take immediate action to ensure that my rights as a consumer are protected, and that my credit report reflects accurate information. 

Thank you for your urgent attention to this matter.
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

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 seven 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My bankruptcy information is incorrect. Case ( docket ) number is wrong, asset amount is wrong. 
Moreover, XXXX and XXXX say that LexisNexis provides them with bankruptcies data. But they list USBC as a furniture of this data. This is incorrect.
Product: Money transfer, virtual currency, or money service

CHIME WHEN MAKING TRANSFERS WITHIN MY OWN ACCOUNT SHOWS {$8600.00} DEPOSITED {$300.00} PURCHASES {$2200.00} ATM WITHDRAWS ( FRAUDULENT AND DISPUTE DENIED ) {$5500.00} AJUSTMENTS ( I CANT GET AN EXPLINATION FOR ) ALL FOR XX/XX/2023. From XXXX TILL TODAY. MONEY IS DISAPPEARING.
Product: Checking or savings account

My debit card was somehow duplicated and someone used it to purchase the following unauthorized transactions : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I contacted WFB within a couple of days and as soon as I realized these had occurred, and have since been told they are not willing to reimburse since my debit card was shown as present during the transactions. However, my PIN and signature were not given for any of the transactions. I also live quite far from the merchant locations, and I have never shopped at any of the stores.
Product: Checking or savings account

Hey my names XXXX XXXX im a victim of identity theft and is unaware where my financial stability became very low and I've tried over and over on clear all inquiries debt collections and checking accounts including my names been red flagged for non sufficient funds and unauthorized payments i tried my best to avoid these issues im in a unfortunate situation and would like to clear my slate with all the inquiries bank account openings bounced checks and chexsystems blacklisting including XXXX and XXXX XXXX XXXX please help with this predicament and if u can investigate and need further assistance please contact me I appreciate it thank you and God bless.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone stole my identity and opened a fraudulent account with XXXX BANK without my consent. Inquiry date was XXXX, XXXX, 2022. 

This account is fraudulent and it has affected my credit negatively. Please help
Product: Credit reporting, credit repair services, or other personal consumer reports

Original creditor was XXXX XXXX XXXX XXXX. I was renting and filled the 50 gallon tank assigned to my apartment just prior to moving out. I was expecting a credit based on the amount of oil left in the tank upon my departure, but instead my account, with amount due alleged to be {$700.00} to Tek Collect Inc., on XX/XX/2018. I have called said creditor multiple times to attempt to remedy the situation. The last call I made in mid XXXX where I was informed that XXXX had stopped the collections process and said delinquency has dropped off of two credit reporting agencies, however XXXX still reports it as in collections and I am unsure how to proceed in correcting this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was compromised between XXXX ant XXXX. During this time several inquiries were made on my Experian report. I demand that these items be removed immediately. 


XXXX 3. XXXX XXXX XXXX XXXX 4. XXXX XXXX XXXX 5. XXXX 6. XXXX XXXX. XXXX 8. XXXX 9. XXXX 10. XXXX
Product: Credit card or prepaid card

PNC Bank continues to decrease my credit limit on both my credit ares for no apparent reason. As soon as I pay the balance down, the decrease my credit limit by almost the exact amount I paid down. When I spoke to them, they said it was due to my credit rating. What they are doing is exactly what they clam is the issue. By decreasing my credit limits, they are driving up my usage percentage and driving my credit rating down in the process. In the case of one card, they took {$4400.00} off my available credit in one swoop, driving my usage percentage from around 50 % to 95 %. Worst, I was on vacation at the time, and not notified of this decrease until a week later.

I would just like to know why they are doing this. I have never been late with any payments on my cards or car loan, which make this appear to be a simple vendetta against me. 
I am shopping around for a new bank now, since I am not sure what else they are capable of.
Product: Debt collection

Excessive contacts daily, including calling references regarding my account. 
Threatened to repossess my vehicle.
Product: Credit card or prepaid card

I disputed charges that I was unaware of my card and they are making me pay for them even after submitting evidence
Product: Credit reporting or other personal consumer reports

Did not authorise this inquiry nor did I give my consent, fraudulent activity and needs to be removed from XXXX Report. 

CBNA XX/XX/2023 Location XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone ( XXXX ) XXXX Inquiry Type Individual
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX - XXXX Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX XXXX Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX XXXX EMPLOYER - XXXX XXXX XXXX  EMPLOYER - THE XXXX XXXX XXXX XXXX - XX/XX/year>
Product: Debt collection

Wakefield and associates are trying to collect on behalf of XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX has never sent me any form of communication prior to sending this debt to a debt collection agency! I call and spoke with a rep. At Wakefield and Associates who explained that this debt was from when I was seen last year at XXXX XXXX XXXX! At the time of service I informed the front desk that I was a 100 % disable veteran with health insurance through the va. In XXXX of 2018 I was sent a letter from a different debt collection agency that was trying to collect on this same debt! I contacted my health care va rep and spoke with a rep. In XXXX XXXX billing dept. who admitted that XXXX XXXX Billed the wrong dept. for the va she said that they billed the va for a dependent and not the veteran. Because of this error they assumed I was uninsured! I filed a XXXX complaint which I will include XXXX XXXX response. It seems that XXXX XXXX sold the debt to XXXX and they sent it to a collection agency without giving me proper written notification and just sent it straight to a debt collection agency I have never done business with!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I saw that the report for transunion stated they were working on it but my score hasnt changed and the items were not removed, since the original complaint. I made one after that on XX/XX/XXXX and the company responded to you that they are working on it. 


I called transunion XX/XX/XXXX they advised they have no open dispute case. And that I need to resend and file another dispute and they say they do not have a cfpb complaint. 


They have not removed the accounts and are requesting I send additional dispute letters that have been submitted along with the current complaint.
Product: Credit card

Need copies of all initial applications, as to FCRA section 609 ( c ) requirements. Also sending the documentation showing the actions they have taken to protect my personal information as per Gramm-Leach -Billy Act. Status of each account and documents showing they were neither gifted nor abandoned
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters out certified over 60 days ago and have not been notified and as a consumer i feel like these people taken advantage of normal people like me.
Product: Student loan

I have been out of school since XXXX XXXX and I have been paying my student loans since. My original loan amount was {$31000.00}. Even though I make my payments on time every month and I send them additional money specifically asking them to apply it to the principal my balance has only gone down to {$29000.00}. There is no way that this should be the case. When I asked them how this is possible and why they were n't applying my extra payments to the principal ( they are putting it toward interest ) like I asked they stated that the account accumulates interest daily. So no matter what I ask them to do, it 's always going to go to interest. How is the loan ever going to get paid off if that is the case? Furthermore, no one ever explained that to me because I would n't have agreed to that. On XXXX/XXXX/XXXX for instance, I sent them a check for {$500.00} which was for principal only and they applied {$150.00} of it to interest. The customer service reps are n't helpful at all. In over 10yrs I 've barely made a dent in this loan and something is wrong with that.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have repeatedly sent letters of dispute via certified mail regarding a XXXX account that is not mine to both Experian and collection agency responsible for the account. I have also contacted the original creditor directly by phone which then sends me back to the collection agency. I have repeatedly asked for validation of the debt that is NOT MINE, and have still till this day received no proof from anyone. After months of disregard by these agencies I have finally received a letter from the collection agency that holds the account ( XXXX XXXX ) that I do not owe this debt and has been closed which I will attach to this complaint. I have sent this letter to Experian to remove this account from my credit report and yet they still will not comply even with proof that I do not owe this debt. According to the Fair Credit Reporting Act, 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. By Experian not removing this account from my credit report, it is hurting my ability to obtain credit and will be rightfully sued for this false information if this complaint does not help. Please advise I am at a loss of patience with this company ( Experian ). This whole situation does not make any sense. In conclusion, I sent Experian the proof that this account doesn't belong to me and yet they still respond that I owe the debt with XXXX who then tells me I owe XXXX XXXX who then tells me I no longer owe the debt. Can you see the vicious circle here? This is crazy and I do not see any other recourse then to file suet with this company. Please help. Thank you.
Product: Debt collection

Dear Bank of America I am alive and kindly ask you, Bank of America to refrain yourself from sending your people to my relatives ' addresses across the United States, asking them to sign your claim with case number : XXXX, filed at XXXX County Court in Georgia, followed by a surge of ad letters from attorneys, pushing me to file for Chapter XXXX or XXXX. 

It is important to know that my relatives are not personally responsible for my debts, under any circumstances. Additionally, they did not cosign this debt with Bank of America. 

I repeatedly attempted to settle this debt, via out-of-court communication, but your internal collection department was so AGGRESSIVE and refused to accept my proposed repayment plan. Instead, your interest rates and fees were jacked up on me and you declared the accounts as Charged-Off debts, claimed a tax break for the supposed loss, and then you sent your people to my relatives, asking them to sign your claim with case number : XXXX. 

I use the address below for correspondence, but I do not reside there and do not own the property located at : XXXX XXXX XXXX, XXXX GA XXXX. 

Your people threaten my relatives, to force them to sign. I ordered them not to sign. It appears that you or your servicers make it sounds as if I am hiding from you. 

In reality, I am in a difficult situation with the XXXX XXXX  XXXX XXXX ( XXXX ) in XXXX. I put a lot of time, effort and money in this education and now I can not validate the education, to obtain license to practice the profession of radiology, because XXXX hijacked the final piece of documentation. See attachment. 

I already provided you with addresses and telephone numbers to contact me abroad. 
Why didn't you contact me first? 

Hence, I contacted the XXXX County Sheriff Office/Court and kindly requested to return your document, unsigned, back to you and to dismiss your claim with case number : XXXX. 

I need more time and making progress to solve the case in XXXX. It is possible for me to repay all the debts, if private lenders like you are as patient as the government lenders. 

Again, I propose to your collection department to temporarily accept an Income-Based-Repayment ( IBR ) plan or Pay-As-You-Earn ( PAYE ) plan. 

Kind regards XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX / XXXX / XXXX : XXXX
Product: Debt collection

I was not informed that the debt could be disputed in writing or oral attempts
Product: Credit reporting

There is a Po box in XXXX, NC showing as an address on my credit report. I have never had a PO box nor have I ever lived in XXXX. This should not be on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I discovered after a conversation with my ex-husband XXXX XXXX   that the credit agencies deleted a past mortgage. I did not authorize this. At the time I had hired XXXX XXXX to do credit repair in XX/XX/XXXX. It was on there prior to hiring them. They, however, deny removing it. I wrote to all three agencies and they will not address the issue.

I have provided plenty of evidence showing when account opened, closed, high balance and correct payoff.

I am XXXX yo grandmother and it shows I only have had credit for four years!

It is damaging my score due to lack of credit information. XXXX XXXX no longer exists so there is no way for me to contact them directly.

Need this to report on my credit file. They report bad but don't want to report good when its old.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect personal information was found still in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal information that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX AV XXXX, FL XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, FL XXXX XXXX Date Updated : XX/XX/XXXX
Product: Checking or savings account

Wells Fargo bank, NA On XXXX a payment posted for XXXX dollars. 
There was no negative balance. 
On XXXX the account fell into overdraft for a different transaction of XXXX. 
XXXX there is an overdraft fee for the XXXX dollars because other things cleared first. 

By other things clearing first, I lost the extra day grace period to bring the account current. 

When you call and talk to them, the computer is the only one with control over when things process, post and clear. Convenient, to say the least. 

This waiting XXXX days for the computer to work its magic and hit me with an overdraft is ridiculous.