23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Credit reporting and Transunion want give me information about a bankruptcy reporting on my credit I called the court and they said they are not showing any information, I talk to both repairing agency they said they are getting the report from a 3rd party but they are getting from the court house.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has two inquiries on my credit report that I do not recall giving authorization too. 

XX/XX/2019 and XX/XX/2019 XX/XX/2019
Product: Debt collection

I am writing to formally dispute the debt listed below, which appears on my credit report and is being reported by your company. I believe this debt is inaccurate and/or unverified, and I am requesting a thorough investigation to resolve this matter. 
Debt Reference Number/Account Number : XXXX Original Creditor : I C SYSTEM Amount in Dispute : {$780.00} I have reviewed my credit report and have found this debt to be inaccurate or unverifiable for the following reasons : I do not recognized this account Under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I am requesting that you : 1. Provide written validation of this debt, including the original signed agreement or documentation showing I owe this debt.

2. Investigate the validity of the claim and remove it from my credit report if it can not be verified.

3. Provide me with a written statement of your findings and the steps taken as a result of this dispute. 

If you can not verify this debt within the legally required timeframe, I request that you cease collection efforts and remove it from my credit report immediately. 

I look forward to your response within 30 days, as required by law. Please send all correspondence regarding this matter to my address above. 

Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA violations remove good accounts please put it back on XXXX XXXX XXXX Account XXXX This item was removed from your credit report. Please review your report for the details. 
Hide Details XXXX View your Report XXXX View your credit score
Product: Debt collection

On XX/XX/XXXX XXXX XXXX XXXX send me a letter on behalf of Calvary SPV LL saying they are going to take action under the California las and the superior court if I dont pay the debt of {$840.00} they are going to pursue with litigation and I have to pay all the legal fees.
Product: Debt collection

Ref : XXXX Disputed XXXX Account Proof of being with XXXX I have proof that I was with XXXX at the time that XXXX is claiming I owe them {$170.00}. Originally 'XXXX  XXXX  ' chased me for this money and then I received this email from them : -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX XXXX <XXXX> XX/XX/XXXX, XXXX XXXX  XXXX, Thank you for contacting us. Our system is showing this account was closed in our offices XX/XX/XXXX. If you have any further questions, please contact the original creditor. 

Thank You, XXXX XXXX Client Services Clerk | XXXX XXXX , XXXX . 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - I confirmed with XXXX on the phone after this email that the debt was indeed cancelled and I need not worry any more about it. 

I have attached two documents proving that on XX/XX/XXXX, I XXXX XXXX was not with XXXX but was with another Carrier at  the disputed time. I was and am still with XXXX since XX/XX/XXXX. 

Why now is ANOTHER collection agency coming after the same amount? 
'Southwest Credit Systems ' - XXXX XXXX XXXX XXXX Texas is calling  me regularly again for the same amount and now at a time of financial crisis has reduced my credit rating, so that I am now ineligible for the Home Equity Loan that I need to keep my family 's head above water at this critical time! 

How is it possible to dispute a payment, win the dispute and then be approached a year later for the same cancelled debt? 

Many thanks, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

i have contacted Experian, XXXX XXXX XXXX about the many inquires on my account i do not recognize i informed them of how i have contacted each company and they could not provide me with any information. i did not authorize any pulling of my credit with these companys Experian Credit Report XXXX XXXX XXXX, ( total of 4 ), XXXX XXXX, multiple XXXX XXXX XXXX multiple XXXXXXXX XXXX multipe XXXX XXXX, multiple XXXX XXXX XXXX, - ( total of 7 ) XXXX XXXX XXXX  multiple XXXX XXXX, multiple XXXX XXXX XXXX XXXX multiple XXXX XXXX multiple XXXX XXXX XXXX multiple XXXX XXXX XXXX multiple XXXX XXXX XXXX  , ( multiple XXXXXXXX XXXX XXXX XXXXXXXX, ( multiple XXXX XXXX XXXX multiple 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 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: Checking or savings account

Without notice Citi blocked my account due to XXXX concern that my name on account is not the same as my government issued ID. 

Name on Account is FIRST NAME INITIAL ; MIDDLE NAME INITIAL ; FULL LAST NAME. My full name on documents is consistent with these initials. I have been a citi customer for XXXX years. 

Blocked account caused checks to bounce. I was hit with return check fees of {$40.00} XXXX for one check. I have over {$45000.00} in checking account and the bounced check was {$160.00} XXXX 

This appears to be a potential UDAAP violation ( section XXXX FTC - unfair deceptive abusive acts and practices ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been working on my TransUnion credit profile and I noticed there is an incorrect addresses on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation that support my dispute, including. Thank you for your prompt attention to this matter. 

The INCORRECT Address that should be deleted is XXXX XXXX XXXX XXXX XXXX, MI XXXX. I am under the impression that it seems as if a company has taken advantage of obtaining my personal address for their benefit. There is a huge risk of having the incorrect address on my consumer report because this could potentially be identity theft. 

I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Product: Checking or savings account

On the morning of Friday, XX/XX/XXXX, I recieved phone calls from scammers claiming they were my bank Wells Fargo and they eventually got access to my account and made two fraudulent transactions, one for {$350.00} and another for {$600.00}, as well as " internatioanl purchase transaction fees '' of {$18.00} and {$10.00} respectively. Once I realized what happened, I immediately called Wells Fargo to let them know what had just happened. They seemed indifferent to my situation and addressed me with minimal help. I filed a formal fraud claim with them, which was quickly denied. I then started another fraud claim, which too, was denied. Upon asking the customer service rep on the phone why they were both denied, he told me that the bank " didn't believe it was fraud '' based on their investigation. I am now left without my money, and no avenues to get my money back from whoever stole it that day. I am unable to contact the merchant on the transactions because it is overseas, and have minimal information about themselves.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and Transunion are violating my rights as a consumer by ignoring my disputes. I have been fighting these credit errors for a year now and sent in several disputes regarding a bankruptcy that is not mine and items/old accounts that have been paid but not removed nor updated. I've called and questioned there verification methods for the bankruptcy and the representatives can never give an explanation. I've spoken to reps at Transunion several times and they tell me " ok mame we'll remove the bankruptcy '' but when my report updates the following 30 days its still there. My credit score has hardly budged in months and my credit report does not even have as many delinquent accounts as other consumers I know and there scores are higher than mine.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX. In accordance to the fair credit report Act : this creditor has violated my rights under 15 USC1681 section ( a ) ( 4 ) which states : There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy.

604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] states : ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : 2. In accordance with the written instructions of the consumer to whom it relates.

15 USCS 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan late for any purpose.
Product: Credit reporting or other personal consumer reports

This is a fraud case I never opened these accounts for me to have these inquiries CAINE & WEINER-XXXX XXXX XXXX {$510.00}
Product: Credit reporting or other personal consumer reports

AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY, THE CREDIT REPORTING AGENCIES VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED XXXX XXXX. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISHED INFORMATION WITHOUT MY CONSENT, INCLUDING THE REPORTS. ADDITIONALLY, THEY HAVE CONTRAVENED Account Name : XXXX XXXX Account Number : XXXX Account Name : BANK OF AMERICA Account Number : XXXX Account Name : XXXX XXXX  XXXX  Account Number : XXXX
Product: Credit card

Late fee and interest assessed when payment was mailed and dated as on time.
Product: Credit reporting

I was called from phone number XXXX by an automated caller " this is XXXX calling about your credit card interest rate. Please press XXXX to speak to a representative to lower your interest rate ''. I pressed XXXX and got to a representative names XXXX XXXX ID # XXXX said he worked for account services on behalf of all the credit card companies. He asked me my balances and what card I carried and the first digit on the card. I asked him who he was and he said Account services, he worked in XXXX, company based out of XXXX. He said he is working off Experian reports but he needed me to get my credit card account number in order to lower my rates I pay. There was a long discussion about asking him who he was and where he was located. He would not give me a phone number to call him back so I could confirm who he was and what company since he did n't know much about me. He said he follows the FTC and it is all safe to give the information. He uses Experian credit reports to make the phone calls. Refused to give his phone number, company name or address. He then said do n't waste my time, I asked to have my number removed from his database and never call me again and he said he would call me every day. I informed him that he is violation of the telephone consumer protection act by calling me on a do not call list with no business relationship. He then informed me again he would call every day and then hung up. I tried to call back the phone number that was given on my display on the phone XXXX and it was a disconnected number. I get these calls from " XXXX at card holder services '' at least XXXX10 times a month and has been going on for years. I am tired of it and someone is in violation of the law but you can not find out who this is. Please hold them accountable and find out who is doing this.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

National interviewer  XXXX XXXX put big banks on blast on national television saying that bank CEOs like XXXX XXXX ( Bank of America ) and XXXX XXXX ( XXXX ) did not offer customers and/or waive customers overdraft fees in XXXX during the national pandemic, especially since banks like BANK OF AMERICA got complete protection from overdraft fees from the Federal Reserve. 

I called in a few times during the XXXX pandemic regarding having my fees waived in XXXX and was only told I qualified for the normal 1 or 2 per year. I called in a few weeks ago on XX/XX/XXXX and asked about why they didnt waive all my XXXX overdraft fees again since the interview and the he said they only did it if you called in during XXXX about it. I told him did call in a few times during XXXX and no one waived all my OD fees. He then only offered me a credit of like 2 overdraft fees instead of crediting me back all my overdraft fees during XXXX because she said there was daily limit. 

Big banks like Bank of America received and got all typed of government breaks and aide and did not extend those same courtesies to customers like me as they should have. I am highly upset to know the CEO of this company was taking advantage of customers and profiting off overdrafts fees during a national pandemic, were many struggled. Where is his integrity and where is are my reversed over draft fees for the year of XXXX?
Product: Credit card or prepaid card

I received an offer in the mail from HSBC in XX/XX/2019 for a credit card offer with a promotion for zero interest rate on purchases and balance transfer for 18months. 
I went on-line and applied for the 18 month promotion. 

I have done this in the past with other cards and use the no interest period often for a balance transfer and pay it off. I am also a XXXX   XXXX XXXX for 20 years I am aware of terms. 

I received the card along with the offer letter dated XX/XX/2019. Please see attached letter. Again it clearly states 0 % for 18 months. 

I received a letter dated XX/XX/XXXX. See attached. I called the number on when I read it around XX/XX/XXXX and got the run around put on hold for 25 minutes. ect really a nightmare. Finally spoke to a manger named XXXX he admitted that they had meetings about this false Advertising and was instructed to ignore any calls and about this issue that most folks would get frustrated and stop calling. But he would expiate the issues and call me back on Friday the XX/XX/XXXX. he did call me back and gave me the run around again per upper management. Keep in mind all this comes out of the XXXX call center you can not speak with any on in authority in the USA. 

I called again today XX/XX/XXXX again with no results. 
This is bait and switch Advertising and illegal in all US states.
Product: Checking or savings account

I am a former customer of Bank of America. During my time as a customer of Bank of America I was robbed, my identity documents were stolen and I became a victim of identity theft. I filed a police report and have attached this report to this complaint. 

I had two checking accounts and one savings account with Bank of America. After my documents were stolen I went into a Bank of America branch and told a teller that I needed to cancel my old debit card and to order a new one. I told the teller I did not have the debit card anymore. The teller then closed the debit card attached to the wrong checking account and ordered a new one. I told the teller to close the debit card for the checking account ending is XXXX but the teller did not listen and closed the wrong card and ordered a new one. I did not notice this until a few days later when I audited my account and saw charges I did not authorize. 

The fraudulent charges were to two merchants ; XXXX XXXX and XXXX. 

I filed a claim with Bank of America regarding these charges. Bank of America 's risk department then froze my accounts and began the closure process. I was told Bank of America had made a business decision not to bank with me anymore. Today I received a letter from Bank of America 's claims department telling me they investigated the claims and found no error and were holding me responsible. 

I called the two merchants myself to inquire about these fraudulent charges. I called and spoke to the office manager of XXXX XXXX. His name is XXXX and can be reached at ( XXXX ) XXXX. XXXX XXXX confirmed that they charged my debit card over the phone for a third party patient that had my card number. XXXX XXXX confirmed I did not receive any goods or services for this charge. XXXX would not tell me the name of the patient citing HIPPA laws.

I called XXXX  and spoke to someone in the Fraud Resolutions department. I was told again that a third party used my debit card to book a vacation through XXXX. XXXX confirmed that the account that used my card was NOT in my name and that I did NOT receive any goods or services for this charge. 

Basically Bank of America decided to hand my accounts over to their Risk department and after that all my claims were just blanket denied. I have both merchants on record confirming that I did not make these charges and a third party did. Bank of America clearly did not actually do an investigation. Had they called either merchant they would have been told that I did not purchase these goods or services and that both merchants were charging my card due to a third party not authorized by me. 

Should Bank of America attempt to hold me liable for these charges I will have no choice but to seek legal remedy.
Product: Credit card

I have been a cardholder with FIA Card Services ( and its predecessor organisations ) since XXXX. I have been a loyal and good customer for the thirteen years in question. I have used the card service regularly and have always paid my outstanding amounts owing on time and in full. I have never complained nor caused any problems for the company. 

On XX/XX/XXXX, a transaction that I had attempted was declined. As such action had happened from time to time before then, I called customer services to query what was going on and to get my account cleared to be able to use the card. I had assumed that a call would sort out the problem quickly and easily as had occurred on previous occasions. On XX/XX/XXXX I was advised that FIA Card Services decided unilaterally and without any advance notice to me to close my account with no recourse to any review. The customer service representative simply told me the account was closed, she did not have any explanation for this, she provided a contact number for the account closure department and, upon calling the number, a recorded message stated the account was closed " for business reasons '' and that the decision was final. My wife ( also a card holder ) did talk to an agent on XXXX in the account closure department ( as I was travelling ) who advised that we would receive a letter to advise of this decision and the agent restated that the decision was final.
Product: Checking or savings account

XX/XX/year> cashed a us treasury check for loan forgiveness digitally using chase bank app for {$100.00}. XX/XX/year> check for {$100.00} returned for " ficticious/altered check ''. I went into bank to correct return sign initials on check to correct as requested by banker. Banker says check looks fine. My account is later frozen around XX/XX/year> I call customer service as my account is restricted and I can not withdraw and my funds are now restricted. Told they must talk to us treasury and account will be restored in 6 to 7 business days. XX/XX/year> It's been 7 business days and my account is still restricted. I need my money!
Product: Student loan

I was steered into a prolonged period of general forbearance by my loan servicer ( FedLoan Servicing ) from XXXX of XXXX through XXXX of XXXX. My partner lost his job, cutting our available household income in half, but since we were not married, his loss of income did not lower my monthly IDR payment, and I was told that my only option was to go into forbearance if I could not afford my payment. The result is that I lost over 20 months of eligibility toward Public Service Loan Forgiveness during this time because of this bad advice. I should be eligible for loan forgiveness now, since I have been repaying my loans since XXXX of XXXX, but I still have two more years before I will be forgiven because of this bad advice to stay in a prolonged forbearance.
Product: Credit reporting or other personal consumer reports

XXXX payment, paid in full. Im only 18 days past due for XXXX payment. Please correct payment status for XXXX XXXX XXXX XXXX XXXX loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. 

XXXX XXXX XXXXXXXX XXXX Balance : {$4800.00}
Product: Mortgage

I paid an extra {$350.00} to my principal on my home mortgage electronically on XX/XX/XXXX. I sent Ditech a statement telling them to place the {$350.00} on the principal. On XX/XX/XXXX, I sent them another email asking them to put it on the principal. I sent them another email today XX/XX/XXXX. Every month I pay extra to the principal and every month I go through the same type of waiting process. Constant emails ... I used to call, but decided it is easier for my documentation to email. I just want Ditech to do their job in a timely fashion ... instead of making me constantly check up on them!