23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I have already submitted a complaint re multiple unauthorized withdrawals from my account at Bank of America with the CFPB, complaint # XXXX, and the bank has contacted me. The Resolution XXXX from B of A, XXXX XXXX, did contact me on XX/XX/XXXX and said she would be readily available by phone or email. I have called XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XXXX and left voicemails each time. I also emailed XXXX XXXX and I have not heard back from her at all. I am concerned because she said she responds to voicemails on the same day. The phone number she gave me does not have any options for speaking to anyone else. It just goes directly to her voicemail. 

I would like to be assigned a new Resolution XXXX as it is very urgent that I be refunded immediately. I have filed a hardship with the Bank of America Claims Department but nothing seems to be happening. The amount stolen from my Unemployment Debit Card with Bank of America is {$15000.00}, and as I am currently unemployed, I urgently need that money to pay rent and all other bills. 

In addition to the documents attached here, my original CFPB report and two dispute letters sent to Bank of America and two Identity Theft Reports, please see my original complaint for the filed Police Report, and the filed Federal Trade Commission Report.
Product: Credit reporting or other personal consumer reports

I Recently went to open an account from capital XXXX and they didn't open it because it's reporting an account on my credit report that isn't for me. Please remove XXXX XXXX account # XXXX, has a balance of {$640.00} from credit report. Remove this asap, never was I associated with this account.
Product: Debt collection

I dispute the validity of the debt and am exercising my right to request verification of the debt, as outlined in 15 U.S. Code 1692 ( g ). Until such time as the requested verification is provided, I insist that you cease all communication with me in accordance with 15 U.S.

Code 1692 ( c ). 
I also want to make it clear that I do not consent to any communication with me, including phone calls, texts, or emails, regarding this debt. Such communication is inconvenient for me, and I invoke my rights under 15 U.S. Code 1692 ( c ) to demand that you cease and desist all communication immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I agree the two settlements were done per your response, but you are still reporting balances owed. Since these accounts have been settled the current balance should be {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

My PayPal get limited and my funds is there and I can't get it.
Product: Debt collection

On XXXX separate attempts once on XXXX XXXX, 2016 and again on XXXX XXXX, 2016 i sent validation letters to AD Astra Recovery Services to have them verify the debit that is owed. They refused to give me proper debt validation, in which i invoke my rights under the Texas XXXX to have certain information be provided to in which they have not provided. They also marked my file as disputed when I clearly did not dispute anything let alone send them letters under the FDCPA. Since they have n't given me proper validation under the Texas XXXX which requires them to either validate within 30 days properly or they are in violation.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, has violated my rights. 

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
Product: Credit reporting or other personal consumer reports

Since the year XXXX I have been a victim of identity theft as a result tp credit reporting date agency breach such as XXXX, the XXXX XXXX and personal information being mailed to incorrect addresses and emails that weren't occupied by me or associated with me. There has been attempts to open credit cards, auto loans, banks, unknown bank acount activity and inquiries i did not consent or legally authorized. I have been desperately trying and fighting to have these items disputed and removed to now avail. 

Such As : XXXX XXXX XXXX ( Formerly XXXX XXXX ) {$280.00} XXXX XXXX XXXXXXXX {$12.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$1600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reporting false and late payments after vehicle has been fully paid off.
Product: Credit card or prepaid card

on XX/XX/XXXX I recieved a report of my Credit. There it showed that my Barclay card had been closed. 

Today XX/XX/XXXX I spoke with a woman by the name of XXXX on customer service hotline. She stated that there was nothing that could be done for the card to be open. She reported that it had been closed in part by reporting of XXXX  and XXXX  suggesting that it be closed due to delinquent accounts. 

The accounts that were being referred to were unknownt to me and I do believe they were unpaid in error. I currently have a dispute to resolve on the accounts. 

I have no late payments to Barclays. I have paid very high APR and carried a high balance, and was just about to pay down the account when I realized that the account had closed on me. Customer service stated that there was a letter sent and there was nothing that could be done. 

As stated before, I have been in good standing with Barclay. I am now in hard and trying times as I am a sole creditor and rely soley on my credit to be able to even rent a place. I find it very unjust that my account be closed based on Transition, and another credit issue whih I am trying to resolve. I would like to continue business with Barclay and make things right.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the XXXX  has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$4100.00} XXXX XXXX Balance : {$110.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A VICTIM OF IDENTITY THEFT. I SENT COPIES OF MY OFFICIAL POLICE REPORT AND DISPUTE LETTERS OF THESE ACCOUNTS BY CERTIFIED MAIL SEVERAL TIMES TO THE CREDIT REPORTING AGENCIES, HOWEVER THE ACCOUNTS ARE STILL REPORTING WITH NO DELETION OF THESE FRAUDULENT ACCOUNTS. ACCORDING TO THE FAIR CREDIT REPORTING ACT I HAVE RIGHTS UNDER 15 USC 1681 THAT HAVE BEEN VIOLATED. THESE ACCOUNTS LISTED BELOW HAVE VIOLATED THE FOLLOWING LAWS LISTED BELOW XXXX XXXX XXXX XXXX XXXXXXXX U S DEPT OF EDXXXX XXXX XXXX U S DEPT OF EDXXXX XXXX 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 : states a consumer reporting agency can not furnish an account without my written instruction.

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, 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 or has reasonable cause to believe the information is inaccurate.
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 Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX has violated my rights. Or 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: Money transfer, virtual currency, or money service

On XX/XX/2019 I went to the XXXX  located on XXXX XXXX XXXX, XXXX, NY XXXX to send {$250.00} to my sister in Maryland. I paid an additional {$24.00} to have the money order expedited. My total came to XXXX. 

The following day when my sister went to retrieve the money order she was told that there was an error in the transaction and that the funds were returned to the sender. 

Upon returning to the location, I was told by one of the cash attendants that the funds were already paid out. 

After multiple calls to their head office, they only could tell me that it was paid out. After several other phone attempts I was told I should contact my local precinct if I thought that I had been defrauded. 

The precinct did investigate the matter and the results are included in attached files to this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

On ( XX/XX/2022 ), I wrote to you requesting an investigation into items that I believe were INACCURATE AND UNVERIFIED. To date, I have not received a reply.
Product: Payday loan, title loan, or personal loan

I paid off loan received pink slip i paid over 7600 in interest on a XXXX title loan they put me as a charge off on my credit report this company is nothing more than extortion.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently pulled my credit report from TransUnion and noticed many accounts listed on each of my reports as a collection/chargeoff. I immediately disputed this information with TransUnion multiple times and the results of the investigation have always came back as " verified ''. I did not have an account with any of these creditors during this time period. 
Since I have disputed the account with the credit bureau, and they have verified them, I would like to see what sort of records they have for these alleged accounts. Under the new FACTA laws, you are required to conduct an investigation on this account, and I am now requesting it. I will seek legal action under FCRA 623 ( b ) for violations of the FCRA if you do not comply and respond to me with the results of the investigation within 30 days of your receipt of this letter. 
In order to clear up this matter, I would like to see, a signed contract showing me that I indeed had an account with these companies. If you do n't respond with the results of the investigation ( as is required per the FCRA ), I will assume you have no documentation and therefore you were negligent in reporting accurate information on my credit report. At this point, you would also be in violation of the FCRA merely for not responding within the 30 day period. 
To avoid a lawsuit, I request that you remove the accounts from my credit report. Please delete these listing or I will be forced to seek legal action.
Product: Credit reporting or other personal consumer reports

Hello, My complaint is the Experian and how they seem to try to hide the option to freeze your credit report while trying to push their paid service. It is very hard to find the option to freeze your credit. You have to go look at their paid service and scroll all the way to the bottom of the page past all of the marketing to finally see the option to freeze the account. Before I found that I actually had to XXXX " experian freeze '' to get a direct link to the page. There is a reference to freezing your account when you click on the free plan details, but it is a single sentence at the bottom that you again have to scroll to.
Product: Student loan

My full name is XXXX XXXX XXXX PNC Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have a shareholder with each XXXX this bill had been paid off since XX/XX/2022 I want this entire bill paid off thru insurance or paid by cash in check from XXXX of these corporation and banks under my electrician sign XXXX XXXX XXXX PNC Bank an check issued out for payment and please confirm by email XXXX documents legal services proof that the bank has to full payment to o an to this full debt order number for payment XXXX if any other XXXX last ending social security XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

This complaint is against PayPal and it's bank.this company has no Grace period on payments and I have already caught them charging a XXXX dollar late fee in such a way that it was dated the exact same day payment was due and this month I payed on the XXXX and it was due on the XXXX so I have been it with the XXXXdollar fee and then the interest, try to close the account the one time that I did call and I was told that I could not do that till balance is paid, simply put I was attempting to stop the amount from getting out of control, furthermore this company advertising doesn't tell about the XXXXdollar fee or interest rate until after credit is granted I would like to have this bank audited and  whatever else it needs to be more flexible and fair to the consumer, because this company is out of control furthermore
Product: Debt collection

I am filing this complaint because PORTFOLIO RC have ignored my request to provide me with ALL documents that their company has on file that was used to verify the accounts I disputed. They only sent insufficient validation documents. Being that they have gone past the 30 day mark and can not verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA- they are required to. Promptly delete all information which can not be verified. Please resolve this manner as soon as possible thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a free membership with Experian, so they send me promotional messages and notifications. They sent me a promotion for a Bill Negotiation service, where they negotiate to lower certain bills for you. The cost of this service is 40 % of a year 's savings. I signed up for this service in mid-XXXX  and they reported that they were able to save me {$50.00} a month starting in XXXX, totaling {$600.00} on my cable bill. I could either make six monthly payments or pay in full. I chose to pay the full {$240.00}. When I received my XXXX bill, it was not lower. I contacted XXXX and they had no record of my bill being negotiated. I then contacted Experian and the rep told me to email them the bills and they would investigate immediately. I sent them the bills and have emailed them several times since then with no response. I have now received my XXXX bill which is still unchanged. XXXX confirmed through their chat function as well as over the phone that they were never contacted by Experian.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is inaccurate information on my credit report. It's a billing error I've always paid as agreed. Secondly, there is no such thing as a late payment. As furnishers Experian have a responsibility to report accurately.
Product: Credit card or prepaid card

I opened a secured card several years ago with Wells Fargo for {$1000.00}. I closed the account on XX/XX/XXXX with a {$0.00} balance and they said my deposit should be returned within 30 days. I still haven't received my deposit back. I'd like the CFPB to intervene and instruct them to return my deposit that is rightfully due.
Product: Credit reporting or other personal consumer reports

Affiants ' personally identifiable information has continued to be trafficked by third parties without consent or copyright license through an organized criminal scheme aimed at depriving liberty under the XXXX of law. XXXX has been impacted by this scheme in a new manner : through companies engaging in impersonation and unlawful conversion for extortionate extension of credit by infringing upon copyright laws for the purposes ofXX/XX/XXXX. 

These companies falsely portray themselves as lenders, when in fact they are unlawfully extending credit using the affiants ' own credit, while keeping the par gold spot rate value, by deception and without disclosure. They engage in copyright infringement by exploiting affiants ' copyright-protected indigenous property for their own financial gain, a form of modern slavery. 

In these actions, they knowingly conspire to traffic in materially false statements to willfully and unlawfully possess, use, store, and traffic copyright-protected indigenous property. This constitutes a flagrant infringement upon XXXX 's exclusive rights as a copyright holder, protected under the XXXX XXXX 's copyright registration XXXX, with the XXXX accession XXXX.
Product: Debt collection

This is my second complaint. They have the wrong person. I have spoken to them four times, and they admit they have the wrong person. They say they will stop calling my number, but they do not. The phone calls started again today, and I have received three calls on XX/XX/2019.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE SUBMITTED DISPUTES TO XXXX AND TRANSUNION ON LINE THAT THERE IS ERRORS REGARDING MY NAME AND ADDRESSES. THE INFORMATION HAVE NOT BEEN REMOVED FROM MY CREDIT FILES. 

WRONG NAME - XXXX XXXX CORRECT NAME - XXXX XXXX WRONG ADDRESS - XXXX XXXX XXXX, XXXX, TN XXXX WRONG ADDRESS - XXXX XXXX XXXX, XXXX XXXX, MS XXXX MAILING ADDRESS - XXXX XXXX XXXX XXXX, XXXX XXXX, MS XXXX PHYSICAL ADDRESS - XXXX XXXX XXXX, XXXX XXXX, MS XXXX
Product: Credit reporting

Transunion is releasing my credit bureau to individuals who do not have a right to access my credit. They 're then reporting this an an " inquiry '' that affects my rating. Furthermore, they are also reporting and account I never opened, authorized, or used. The improper data is as follows : XXXX I never opened, authorized, or used this account. The following inquiries were not authorized by me and are not as a result of fair use : XXXX XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX Requested On : XXXX/XXXX/XXXX XXXX Requested On : XXXX/XXXX/XXXX XXXX Requested On : XXXX/XXXX/XXXX XXXX Requested On : XXXX/XXXX/XXXX XXXX Requested On : XXXX/XXXX/XXXX XXXX Requested On : XXXX/XXXX/XXXX XXXX Requested On : XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is in regards to the data breach, reported by Equifax. 
They allowed, through inaction or negligence, my information to be stolen from their company servers. I am now having to place freezes on my credit rating and watch for fraud because of it.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have a credit card account that I'm listed as authorized user that the owner of the acct. has failed to pay and is in bankruptcy. My credit report with is now listing it as an adverse account and has lowered my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX XX/XX/23 My credit report shows collections from your agency. I was never notified of this collection. Whats more, I do not believe this debt is accurate. Under the FAIR DEBT COLLECTION PRACTICES ACT, I have the right to request and receive validation of the debt. 


XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXXXXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX Therefore, please provide me with a copy of all the following : 1 ) An explanation of what this alleged account balance is for.

2 ) A calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct.

3 ) Documentation that shows I agreed to pay this debt with my signature.

4 ) The Agreement that grants you authority to collect on this alleged debt.

5 ) A copy of your state license, including license number that give you rights to collect in my state. 

Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act. 

Also you have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts Stop contacting me about this or any other matter you have, except to provide me with accurate verification of this debt by U.S. mail only.

I also submitted this letter to the Consumer Financial Protection Bureau ( CFPB ), My State Attorney General Office and XXXX XXXX XXXX XXXX to have confirmation of proof if you respond without the proper validation request or not in the 15 day timeframe you have. 

You have 15 days from the date of this letter to respond with all items requested or this is considered an insufficient validation response and this item must be removed immediately from my credit report or I will seek litigation for Monetary damages. 

XXXX XXXX
Product: Debt collection

Account Name : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Original Balance : {$11000.00} Balance Updated:XX/XX/XXXX Debt was result of Identity thelf
Product: Debt collection

A letter was sent to my brother regarding a debt that I owe. The collection agency gave him a copy of a subpoena, which I do n't think is valid. They identified themselves as debt collectors, trying to obtain information to collect a debt and included the amount of money they are trying to collect. I have all this information in writing in a letter addressed to my brother, who lives at a different address. There is a questionnaire to fill out and at the bottom it is threatening my brother with legal action against him. My brother in no way has anything to do with this loan, nor ever had anything to do with this loan.