23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have not received debt verification from a debt collector after requesting debt verification. There is an alleged debt that I owe which is being collected by ProCollect. The debt appears to be for utility charges to an apartment unit with a billing period that occurred after I ended my lease and vacated the unit. Without further details, I can not reasonably conclude that this debt is mine and currently believe it to be an administrative error. On XXXX XX/XX/year> I noticed an unexplained drop in credit score of XXXX points without any notice or communication from ProCollect. On XXXX XX/XX/year> I observed a XXXX point drop in credit score without any notice or communication from ProCollect. On XXXX XX/XX/year> I contacted ProCollect by phone and requested a debt verification letter. I provided my current mailing address and consented to receive communications about this debt. On XXXX XX/XX/year> I emailed ProCollect ( XXXX ) and reiterated my request for a debt verification letter. I specifically requested information about their authority to collect this debt, Why they think I owe the debt and to whom I owe it, and the amount and age of the debt. Additionally, I disputed this debt with the three major credit bureaus on or around XXXX XX/XX/year>. As of XXXX XX/XX/year>, I have not received any communications from ProCollect that provide details about the alleged debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : 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 XXXX XXXX XXXX XXXX
Product: Mortgage

I am trying to refiance my home loan, I have gone to the XXXX XXXX XXXX XXXX and XXXX XXXX XXXX and both of them say they can not give me a better rate on my home loan because US Bank is reporting 99 months of payments on my home loan as follows:XX/XX/2015 - open XX/XX/XXXX Mos. reveiwed XXXX, 30 days past due 13 times ( no date ) 60 days past due 2 times ( no date ), 90+ days past due 6 times, payments {$1100.00} for 600 months ( no date ), US Bank said it is not reporting anything past due as far as there records show everything is current. and that they do not report from the day we received the loan XX/XX/XXXX. I need to have this information removed from my report it is the only thing I am told that would take my credit rating down to XXXX and my husbands down to XXXX, one of the reason stated is time since delinquesncy is too recent or unknown. The reporting is on page XXXX of XXXX in the attached document.
Product: Debt collection

Please help me. 
I have called, emailed and faxed care credit at least 50 times since 2020, and about 95 % of the time I am completely ignored, and the times they have responded it has been with a form letter that does not address any of my complaints. 
I have also requested my case be escalated dozens of times, I have requested for a manager to contact me dozens of times ; and all requests have been completely ignored. 
I have provided Care credit aka synchrony bank with evidence that I do not owe the charges they are claiming I owe, and care credit aka synchrony bank is fully aware that they do NOT have my signature on many of these charges as they were NOT authorized, and they were simply charging my accounts because they had the information and that I was overcharged and double charged. I provided documents and emails that proved that these overcharges and double charges were made without my presence, approval or knowledge. I also provided them with documentation that the services were NOT rendered and as a result my XXXX cat suffered immensely and died as a result of extreme negligence and malpractice, and a completely botched XXXX they attempted to cover up. I provided documents that proved that the XXXX was botched and that the foreign tubular object was never removed from my pet 's chest and that on top of that additional damage was done as they broke his xiphoid process during XXXX, and then tried to cover all this up. I provided them with the CT scan from before the XXXX, a CT scan after the XXXX and the necropsy report, which all prove that the XXXX was botched and that they did additional damage during XXXX!!! I also provided Care credit with veterinary malpractice bills that have been written because of what happened to my pet, as well as a letter from our state representative XXXX XXXX, who clearly instructs Care credit and advises Care credit that these charges are not owed, and that he has written bills in the state of Arizona to address veterinarian malpractice because of what was done to my pet XXXX. CareCredit has ignored me completely and continues to send me bills, even the credit bureaus took this off my record due to the preponderance of evidence that this debt is not owed. Please help me and stop them from continually harassing me and reminding me of what was done to my beloved pet. We now have three bills in the state of Arizona to address the vet malpractice in this state. I'm happy to provide you with all the documentation, please let me know where I can email it because I am limited as to the documentation I can provide here, it is not letting me upload files larger than 10 MB and I have many additional files that are larger than that. 
Please help stop this harassment and illegal attempt to collect money is not owed. 
Thank you very much for your assistance in this matter. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # 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. This is in clear violation of my rights.
Product: Credit reporting, credit repair services, 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. 

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 15 U.S.C 1681 section 602 A. States/ 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. 16818-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person know or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

On XX/XX/2019, I received a confirmation from XXXX that the refund for {$350.00} was completed. On XX/XX/XXXX I was told by Bank of America that they had decided to shut down my bank account which belong to my company. I received a check with the balance, however the {$350.00} refund which I was supposed to receive was never sent back to me. I have spoken to bank of america many times and I even went to the bank to speak to a representative. I have put a total of 8 hours into this case and the bank is claiming they dont have the {$350.00}. XXXX is saying that they issued the refund and that once they refund money, they do not have the ability to see where the funds went. In my opinion the funds were originally at Bank of America and once the refund is issued then the funds must go back to where they were originally. The {$350.00} are missing and Bank of America is saying they dont have the funds. XXXX is saying they dont have the funds neither.
Product: Credit card or prepaid card

used my Bank of America XXXX credit card to purchase a hair dryer from XXXX XXXX on XXXX. The hair dryer stopped working on XX/XX/XXXX. Since XXXX only offers a 2 year warranty and I was offered a one year extended warranty though Bank of America, I filed a claim timely per attached. This claim was denied because according to the bank, they changed their card from XXXX to XXXX around the middle of XX/XX/XXXX, per the attached email and supporting credit card statements from XXXX and XXXX of XXXX. 
At first the bank denied the claim as they requested a copy of a repair bill, I asked them to read the transcript attached from the manufacturer stating I needed to include a repair bill. The manufacturer clearly stated it had to be replaced. 
The second time the claim was denied because they told me I used XXXXthe wrong credit card XXXX, so they asked me to resend proof the card actually changed from an XXXX XXXX a XXXX  which I did. 
After looking through my emails, which I attached bullet point XXXX on the XXXX accelerated rewards replacement email - I was encouraged through Bank of America XXXX continue using my card - when I now understand those benefits would not exist since their contract changed with XXXX XXXX 
In a nutshell, BOA is pinning me between XXXX and XXXX to attempt to get my {$420.00} back when this is BOA issue. Simply because they changed and keep telling me my benefits didn't doesn't make sense. I am requesting Bank of America refund me the money I am out for timely utilizing a benefit they keep telling me doesn't exist. 
All supporting documents show the purchase, full statement with the purchase, statements from when the card was changed, XXXX warranty information, chat with XXXX, claim, and emails from BOA stating everything is the same 'including benefits. ' I feel I am and probably millions of other people are being taken advantage of. This benefit is up to {$10000.00} per transaction for up to XXXX per year. I have been a customer for perhaps XXXX + years and I am asking for a {$420.00} benefit. I'm afraid they are doing this to potentially millions of customers
Product: Checking or savings account

I have a business account with Bank of America under the name XXXX XXXX XXXX XXXX BOA is holding my deposits to credit to my account for an egregious amount of time before crediting them to my account. I deposited checks for {$7500.00} and {$11000.00} on XX/XX/2020. They were both from reputable local organizations. There was a hold deposit on each as follows : XX/XX/XXXX they released {$5500.00}, XX/XX/XXXX, they will release {$1900.00}, and not until XX/XX/XXXX will they release {$11000.00}. This is theft since I am unable to use my money that I earned. When I reached out to them, a woman named XXXX told me that " BOA '' has the right to hold my money as long as they want. She said the amounts had not been funded by the two organizations. I checked.This was a lie. The money was funded when the organizations wrote me the checks. I wrote a bad review. I got another call from a BOA associate saying they had the right to hold my money as long as they wanted. This should be against the law. Please help me soon. I feel so trapped right now due to COVID. Can not change banks. They know this. They are taking advantage of small business owners. They should be ashamed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 


Fraudulent INQUIRIES 1. XXXX Inquiry date : XXXX XXXX, XXXX  2. XXXX XXXX XXXX Inquiry date : XXXX XXXXXXXX XXXX 3. XXXX XXXX Inquiry date : XXXX XXXX, XXXX
Product: Payday loan, title loan, or personal loan

On XXXX XXXX, 2016 I submitted my last payment to One Main Financial in the city of XXXX in person to XXXX and my account was never credited nor did I receive my title. I was never notified of a foul play or robbery by XXXX. I visited my main location located at One Main Financial ( XXXX ) XXXX XXXX XXXX XXXX, CA XXXX and the manager stated that she would personally mail my title to me after she sent the requested documents to her corporation by fax. I never heard from her after numerous follow ups in XXXX and XXXX. I resent the documents in XXXX. I was told that the check I gave to XXXX  representative XXXX was cashed by someone else. I never received a notice that there was foul play or a robbery by the management or carrier. Consumers have to know so that they can protect their assets. XXXX has yet to notify me. The only documents I received was past due letters and collection notices.
The effort was placed on me as the consumer to prove that I presented a check to their company A full investigation should be done immediately for the consumers.
Product: Credit reporting or other personal consumer reports

I haven't seen any deletion updates in my credit reports. And I am baffled as to why I have been sending Removal Request Letters upon letters with no updates. Aside the first time I got those said updates. This will be my ninth complaint as well. When will the XXXX, EQUIFAX and XXXX Credit Bureaus fix my credit reports? Please be professional and follow through my request of removal for these items below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$23000.00} XXXX XXXX Balance : {$3400.00} XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$870.00} XXXX XXXX Balance : {$2800.00} XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX Balance : {$23000.00} XXXX XXXX Balance : {$3400.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$870.00} XXXX XXXX Balance : {$2800.00} XXXX : XXXX XXXX XXXX Balance : {$23000.00} XXXX XXXX Balance : {$3400.00} XXXX XXXX XXXX XXXXXXXX Balance XXXX {$870.00} XXXX XXXXXXXX Balance : {$2800.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested that the credit reporting agencies remove several inaccuracies from my credit report, and I have been sending letters back and forth for well over a year, and nothing has been resolved. I do not believe they are really investigation the inaccuracies. They just keep saying it has to stay on there, but the information is wrong, and it is affecting my life. I am a XXXX veteran, and I am dealing with my health right now, and this has greatly affected me being able to do anything because off all of the inaccuracies on my credit reports.
Product: Checking or savings account

In XX/XX/XXXX I found three bank books from XXXX XXXX  which are now 21 years old. ( XXXX XXXX  then it was XXXX XXXX and now it is Wells Fargo Bank ) I deposit on XX/XX/XXXX at XXXX XXXX   XXXX in a Burial Funds Escrow account for my XXXX  brother. I am my brother 's legal guardian. The account saving book was put away and forgotten because brother was put in a group home. I have moved a couple times in XXXX XXXX and now I live in XXXX. When I got to XXXX   the group home told me to put about a XXXX in a death account for my brother so, I went to Wells Fargo Bank and did so. The account were never linked because someone withdrew a lot of money from the burial funds escrow account while in was in dormant status. When I went to Wells Fargo on XX/XX/XXXX or XX/XX/XXXX they found a similar XXXX XXXX   number and that when they found that the withdraws where made. I asked for the withdraw signature slip I was told that I would need subpoena. I have bought all my identification to prove who I am and my guardianship papers. 
The second on XX/XX/XXXX I deposit XXXX in an saving account for myself. Wells Fargo told me they would not do any investigation because they had no account similar to the XXXX XXXX account. I have checked everywhere and there is not record of this money such as unclaimed money. I went back to Wells Fargo and asked please do an investigation and was told they could not do anything. 
The third saving account was for my XXXX  brother for the amount of XXXX that was deposit on XX/XX/XXXX which was a year after mother 's death  XX/XX/XXXX and a year before father 's death XX/XX/XXXX. After their XXXX  I became my brother guardian. I been to legal aid and I am XXXX over limit for there help. I am XXXX years old and a retiree. Can any one guide me to the next step or an solution. I have all the bank books, file and letter I wrote to Wells Fargo Bank and will send as needed.
Product: Credit reporting, credit repair services, 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. 

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX However, they stated everything was complete and accurate XXXX But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting.
Product: Credit reporting or other personal consumer reports

This company have violated my Federally protected rights on more than one occasion. 

There are late payments on my account where that information should not be reported based on US code 6802. This law also states that no non-public information should be shared with credit agencies or 3rd party organizations. US code 1666b also states that that no credit card payment under an open end consumer credit plan should be treated as late for any purpose. 

15 USC 1681 also states I have a right to privacy and also state that a credit agency can put furnish anything without my written instructions. 

I have moved forward in filing a lawsuit on XXXX and Equifax. XXXX did remove items but if they do not continue to remove items I will be filing on all XXXX. This will be my second lawsuit on XXXX after one successful settlement.
Product: Credit card

On XX/XX/year>, I enrolled in a payment plan with Capital One to make payments towards my Capital One Savor Card ending in XXXX. Per the terms of the payment plan, I would be making 3 payments per the payment schedule that was given which showed my first payment due on XX/XX/XXXX. I was told that by enrolling in the plan, my account would stay in good standing. One of the disclosures states, " If you complete this plan 's payments, this account will reflect a current status. Any returned payments after completion may result in this account reverting back to a delinquent status. '' Based on what I was told and the way the disclosures read, the account should be in current status as long as the payments are made per the schedule ; however, Capital One reported this account 30 days late. The disclosures do not indicate that your account will still be reported to the credit bureau as late which is why I enrolled. In addition, the statement and schedule provided to me from Capital One do not indicate that there was a past due amount. Capital One mislead me into thinking that my account was in good standing and that the next payment was due on XX/XX/XXXX. Even my XXXX Statement does not show a past due amount. Please have the 30 day late removed from my credit reports immediately and investigate Capital One 's practices, so that this does not happen to other consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint because XXXX | Trans Union | XXXX have ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. The accounts that I disputed have not been properly validated or verified. Under section 611 ( 5 ) ( A ) of the FCRA - they are required to delete all information which can not be verified. Please resolve this as soon as possible.
Product: Checking or savings account

I am a XXXX XXXX customer at Bank of America 13+ years customer. 

Today BofA slapped me with a XXXX hold and told me that my account is being closed. BofA requires you to have XXXX deposit with them in order to maintain the status - and I was transferring my money from various bank account I have into BofA so that I can maintain my status. I suspect this abnormal high amount of transfers triggered their system and I was told that they are closing my account. 

I have no issue with BofA closing my account except they locked up all my savings in the account. The amount is a bit more than XXXX. They have refused to let me withdraw the money and they said they have submitted a request to " re-open '' my account so I can pick it up at a local branch. 

I am going out of country, and I need access to the money. Because that I was pooling all my money to maintain the status, now I might default on various payments unless I get access to the money. 

This practice isn't right - at least BofA should give access to my own money.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax got hacked and all the data they had on me has been stolen. Their cybersecurity practices are abysmal and could cause great harm to me and my family for years to come.
Product: Credit reporting, credit repair services, 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 # XXXX, Account name : XXXX Account # XXXX, Account name : XXXX Account # 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 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: Checking or savings account

I noticed a charge on my PayPal account for {$50.00} on XX/XX/2020. I had never heard of the company, XXXX XXXX XXXX, so I contacted PayPal on XX/XX/2020. They informed me that the case is closed because they determined the transaction was authorized. I have no idea who this company is and still feel I was scammed. Any help on your part will be greatly appreciated. Thank You, XXXX XXXX