23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I sent AR Resources, Inc a certified letter requesting that this alleged debt be validated baring a original signed contract to no avail. AR Resources only sent me back a invoice totaling the amount of the alleged debt.
Product: Credit card

I have been a member of Dillards card services for about 21 years and they were acquired awhile ago by Wells Fargo bank. Well I lost my job in XXXX and am just getting another job but I am paying my bills consistenly with the exception of a few months that I missed. My last payment of {$90.00} was paid on XXXX. which left my balance at {$80.00}. No high balance. However, I checked my credit card statement today to find out that Wells Fargo arbitrarily closed my account and when I called Dillard 's to inquire about their decision, I was told that they could not speak with me and I was hung up on. I thought that we lived in America! I never knew that a company/Bank would take this type of action without informing their loyal customers first. However, I can not to get any straight answers as to why this action has occurred. I called again and paid my past due amount because they could not answer any questions until that was done. In addition, no one could give me a manager 's name to provide you with. I was simply told that I was being transferred to the executive offices of Dillards and placed on an indefinite hold with me never having reached a manager to speak with. The teller told me that they had many managers on duty, so I wonder why was it so difficult to speak with a manager. This action was arbitrary and mean-spirited. Customers lose their jobs all the time in this economy, but are allowed to catch up their bills at a later time. I was in the process of doing so when my account was closed by Wells Fargo with no one supplying the name of who committed this action. Instead I am being assigned a case worker, XXXX XXXX and was told that he would be working on my case and would be getting back with me. I have never been so insulted in my life. I have treated like a deadbeat instead of loyal customer of 21 years. It saddens
Product: Checking or savings account

I mobile deposited a check XX/XX/XXXX for {$720.00} Check accepted and later got email that the check was going to be held for 10 days. Available on XX/XX/XXXX. 
Around rolls XX/XX/XXXX and they still have a restriction on my account. I promptly call in on XX/XX/XXXX and they say they need to verify the maker of the check. XXXX XXXX XXXX. I tell them the check is from XXXX XXXX and was a refund after I cancelled my credit card account. I had a {$720.00} credit with them, so they had to cut me a check. So, to start they are looking for XXXX XXXX XXXX info to verify check, and it's really XXXX, which is printed on the check. Anyways, they are unable to verify the check with any numbers they have turned up and ask me for a number. Off the top of my head, I'm unsure so I have to call back. I call XXXX banks ( which is also on the check ) and they say they are just a 3rd party and give me a number, XXXX  XXXX, I then call CHASE back and give them that number plus another XXXX they both come back as not linked up to CHASE bank and deny me both, and again ask me for a number to verify the maker of the check, and refer to tXXXX XXXX XXXX and ask if the stub to the check had a check verification number, and it didn't. Then the rep proceeded to tell me that they have gotten check from XXXX before and none looked like this one, and that they don't usually provide checks when cards are cancelled. WELL, first of all I had overpaid my credit card and had a Credit balance. I tried to explain that, and they won't accept anything. I will provide/attach the statement showing the overpayments and the credit check issued, and they also won't accept that either. I called XXXX ( the people who clearly state their name on the check ) and asked them how Chase could officially verify the check, and they said to have them call customer service at XXXX, but then Chase won't accept that as a point of contact for them so back to square one. They also stated that they are doing everything they can to help. So, they are just allowed to take my funds after I have exhausted all my options as far as what i can do and provide on several different occasions. Also, they told me, that the check would be available for use on XX/XX/XXXX, and until they locked my online access, It even should as an available balance. I would like use of my debit card and funds like they promised. I have done nothing wrong.
Product: Mortgage

An escrow refund check in the amount of {$200000.00} was issued and sent to me by my loan service provider, Lakeview Loan Servicing , LLC on XX/XX/XXXX. I never received the check in the mail and notified Lakeview Loan Servicing on XX/XX/XXXX that the refund check was not received and requested for a reissue. I contacted their customer service multiple times. I made at least 7 phone calls to the customer service line and was told each time that the check is in process of being reissued but until today, XX/XX/XXXX I have not yet received it. Every time I call customer service, they keep telling the request for reissue has been submitted and I should receive it shortly.
Product: Debt collection

XXXX and Credit Collections used deceitful and misleading collection efforts and threatened to damage my credit for a debt that is not owed. They claim I owe XXXX and they opened the collection file on XX/XX/year> and continue to harm my credit. They refuse to speak to me and I had no knowledge that they were going to place this on my credit. It just reported again on XX/XX/XXXX, XXXX Credit collections is the debt company for XXXX XXXX
Product: Credit card or prepaid card

My problem is with Band Of America. I discovered about 90 minutes ago, that I have been a victim of credit card fraud on my BOA business card. I immediately called the number on the back of the card, which upon first call said that due to high call volume, my call could not be taken at this time, and to call back later I called again, and was supposedly transferred to the fraud dept, but was actually put on hold for 16 minutes, and it did not seem like I really was on " hold '' because there was no music playing and no messages about hold time- just nothing but no sound at all. So next, I tried to log onto the website, and that would not let me on either. When I entered my usual info ( ID and password ) it would try to load ( a circle went around ) but then I would be thrown back to the sign in screen to start over, only to have the same experience! I tried another number on their website, which only led me to having to listen to an offer for a " free '' medical alert device, in which I have no interest. It never allows me to actually speak to a customer service representative! Bank of America is beginning to seem like one big fraud itself! Please help me!
Product: Credit reporting

Experian offered me my credit score for {$1.00} and then went on to bill me {$22.00} per month and said it was buried in the terms and conditions that I was agreeing to be billed monthly. So the report for {$1.00} was a ruse to get my credit card info so they could bill me.
Product: Mortgage

Ditech Financial paid someones else 's real estate taxes from our escrow account back in XXXX XXXX. I caught the mistake on XXXX XXXX, XXXX. I have spoken with representatives of Ditech on multiple occasions as well as sent a letter outlining what happened and requesting that the monies be returned to our escrow account. Ditech 's error has caused our escrow account to be deficient and our monthly mortgage payment was increased to make up for the deficiency. My last call to Ditech was on XXXX/XXXX/XXXX. I was told to leave a voicemail message for the supervisor XXXX XXXX outlining the reason for the call and was assured that he would call me back. I have still not received a call back nor a credit to my escrow account even after numerous demands. A Ditech technician that I talked to on XXXX XXXX, XXXX advised that per the notes on my account that it has been scheduled for XXXX XXXX to be resolved. That would be 10 months after their error and 6 months after my first demand. We just want the money put back into our escrow account by Ditech, They then can pursue whatever remedies they have against the person that they are trying to collect the money from. We should not have to pay for their error.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I recently disputed this account with the credit reporting bureaus, and the information was reported as verified and accurate. However, I am aware that many disputes are processed using automated software like XXXX, which can lead to mistakes and limitations in conducting a thorough investigation. Therefore, I am disputing the following information directly with you, the furnisher of this information, and requesting that you conduct a reasonable investigation as required by the Fair Credit Reporting Act ( FCRA ) Section 623 and enforceable by FACTA Section 312. I am questioning the accuracy and completeness of this account 's information as reported by your company. 

DISCOVERBANK XXXX {$2300.00} FDCPA Section 807 Violation Misleading False Reporting - DELETE! 

After conducting some research, I understand that I am legally protected against such inaccuracies. This letter serves as a formal dispute under the Fair and Accurate Credit Transactions Act ( FACTA ) section 312. According to this law, I have the right to dispute credit information directly with you, bypassing the credit bureaus. I have already gone through the so-called investigation process with the credit bureaus, but now I am exercising my right to dispute this matter directly with you. If you are unable to perform a reasonable investigation or can not locate the necessary documents to investigate my dispute, you are required by the FCRA to remove the negative information from my credit reports, which may include the complete removal of the account. If you conduct a proper investigation and confirm that the information is accurate and complete, please provide me with an explanation of the methods used and a description of the records reviewed. Additionally, please send me a copy of the information so that I can verify the accuracy of your records. This letter was prepared and sent by me independently, and I request that all correspondence regarding this dispute be returned to me at the address listed above. This letter is an effort to correct any false or misleading information you are reporting on my credit reports and to correct your records. 
Specifically, I am disputing the following aspects of the account : All balances and amounts reported. 
All dates reported. 
Any prior payment history reported
Product: Credit reporting, credit repair services, or other personal consumer reports

I have items on my credit report that I would like to verify the information on. 

XXXX XXXX - Account # - XXXX XXXX  - Account # - XXXX XXXX XXXXXXXX XXXX  - Account # - XXXX XXXX XXXXXXXX - Account # - XXXX XXXX  XXXX - Account # - XXXX XXXX  - Account # - XXXX XXXX XXXX Account # - XXXX XXXX XXXX  - Account # - XXXX XXXX XXXX  - Account # - XXXX XXXX XXXX  - Account # - XXXX XXXX - Account # - XXXX XXXX - Account # - XXXX XXXX  - Account # XXXX XXXX XXXX - Account # - XXXX XXXX  - Account # - XXXX XXXX - Account # - XXXX Please also remove any inquiries that did NOT result in an account being opened.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and found the following item ( s ) to be errors. Here as follows are items in error : 1. Validate Account XXXX XXXX Systems I am unaware of the above listed accounts. Please validate this information with the creditors and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 623 ( a ) ( 3 ), and I am keeping careful record of your actions. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a small claims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself.

P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.

Thank you for your time and help in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.XXXX  XXXXD XXXX
Product: Credit reporting or other personal consumer reports

RE : Report # XXXX for XX/XX/XXXX ( XXXX XXXX XXXX ) Report # XXXX for XX/XX/XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Card. I recently disputed the XXXX XXXX account and just received dispute results that are dated XX/XX/XXXX. Accord to those dispute results, XXXX certified to Experian that the information is accurate. I would like a description of Experians investigation of my dispute. In particular, I would like to know if Experian assigned an independent employee to investigate my dispute. Back in XXXX, Experian agreed to assign an agent to review documents that are submitted in support of a dispute. And this agent is to be empowered with discretion to make a determination whether to make the changes requested by the consumer on the basis of the Supporting Dispute Documentation. The foregoing quotations are from XXXX agreement with the Attorney General of New York in XX/XX/XXXX. My dispute was supported by a letter from XXXX XXXX. Did Experian assign an employee to review this document? If so, what was his or her determination? Also, the account comments state that the account was previously in dispute. I still dispute this account, and it should be noted as such. 

XXXX XXXX XXXX XXXX XXXX I recently disputed the XXXX XXXX XXXX XXXX XXXX  account and just received dispute results that are dated XX/XX/XXXX. Accord to those dispute results, the XXXX XXXXXXXX XXXX XXXX XXXX account has been updated, which may include an update to the disputed information. '' The report accompanying the dispute results is confusing. On page of the dispute results, the are two versions of the XXXX XXXX XXXX XXXX XXXX tradeline. The first version reports the account as Curren in XXXX XXXX, 30 days late in XXXX and 30 days late in XX/XX/XXXX. The second version, which is identified as After Dispute, reports the account as 30 days late in XXXX XXXX  30 days late in XX/XX/XXXX and Current in XX/XX/XXXX. However, while the second version of the tradeline is identified as After Dispute, the Status is of XX/XX/XXXX. Whereas the first version of the tradeline lists the Status as of XX/XX/XXXX. On the third page is the beginning of the credit report and it reports the account in the same manner as the second version, which lists the account as 30 days late in XXXX and XXXX of XXXX. I would like a description of Experians investigation of my dispute. My dispute was supported by earlier credit reports that reported the account as Current or No Data for XXXX and XX/XX/XXXX. Please explain what Experian did to investigate my dispute. Did Experian assign an employee to review these credit reports? If so, what was his or her determination? Also, this account is not reported as disputed, which it clearly is.
Product: Credit card or prepaid card

My stimulus check for {$3400.00} was deposited in my bluebird American Express account on XX/XX/2020. I was able to withdraw XXXX of it that day but when trying to purchase things shortly after my card was declined and now my account is locked and have been trying for days to reach them. Spending hours on hold Not only can I not get access to my stimulus check but check is direct deposited to and now I have no available funds
Product: Checking or savings account

I had {$6900.00} on my BofA EDD checking aact/debit card. I stupidly left the funds in that account and my account was hacked, where they completely cleared out my account. This happened at the end of XX/XX/XXXX. 
In XX/XX/XXXX, I received {$2800.00}. 
Since XXXX of XXXX, Ive been waiting for the rest of money in the amount of {$4100.00} I have talked to numerous BofA claim department representatives and 3 supervisors from XXXX XXXX XX/XX/XXXX. They had told me the person who initially filed the claim didnt enter them correctly because the system has a limit on how many claims you can make. The hacker made over XXXX charges in the amount of {$.00} cents. Apparently their system can only handle up to XXXX, so the rest were not properly imputed. They told me they had to redo my claim ( they told me this in XXXX of XXXX. ) but my claim has been at a halt since then. No progress has been made. I call and check in on the status, around every 3-4 weeks and they tell me the same thing every single time. That they are working on it and that all they can do to help me is file for missing credits. They file for missing credits each time I call and it has gotten me no where. Each call I make is pointless because they just tell me they cant do anything about it and there is zero progress on my claim. At this point I feel like I will never get all my money back, which is so wrong considering how much money I am out of. Dealing with BofA on this matter has been horrible! ***my BofA account name is under XXXX XXXX XXXX maiden name ). The name I have created an account on this is under XXXX XXXX
Product: Debt collection

Dear All, I am submitting this complaint against XXXX XXXX XXXX XXXX XXXX, regarding a debt charged to me, which I do not recognize and do not owe. 
I am receiving some calls requesting me to pay this debt, and my name is already in collection with credit bureaus. 
I called them today ( XX/XX/18 ) requesting proof of debt and this was refused. IQ associate told me that this document would be provided only if I pay my debt in full. 
In addition, I have never received any official letter or any other document via mail, informing me about this debt. 
This debt there is no origin, nor documentation, and I Q is just assuming that I owe and not proofing it, which means, this debt does not exist. 
Again, my name is in collection, jeopardizing my financial life, without any reason. 
I kindly ask for the CFPB to contact I Q requesting appropriate behavior, as well as ask them to remove immediately my name from the collection status. 
Many thanks in advance, Best Regards,
Product: Debt collection

In XXXX of XXXX, there were 4 open collection accounts posted on my credit report in the amounts of {$2100.00}, {$2000.00}, and {$1700.00} ( XXXX XXXX XXXX  ) and they are currently still there. I notified them of my concern in XXXX via certified mail and they only sent me a final bill that I am unfamiliar with but no contract or application bearing my signature that I've even had an account with these companies. It is my current knowledge that XXXX XXXX XXXX  is currently in the middle of a lawsuit for unethical practices or a data breach. I have also since frozen my accounts with all 3 bureaus.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

They continue to report this fraudulent account on my credit report. I also sent them a cease and desist letter which they confirmed that they received in XXXX but they still contacted me after receiving the letter by sending me a letter on XX/XX/2023 which is a FDCPA violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXXXXXX 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 Balance : {$5800.00} XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$8900.00XXXX XXXX XXXX XX/XX/2022 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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 of receipt.
Product: Credit reporting or other personal consumer reports

I want to emphasize that I have no affiliation with these creditors, and I did not initiate this inquiry on my credit report.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item 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 you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXXXXXX 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 XXXXXXXX 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 XXXXXX/XX/XXXX
Product: Debt collection

Someone named XXXX XXXX email address XXXX sent my paypal email a paypal payment of XXXX dollars because i did not know this person i did not keep the money, Paypal is stating that this person after sending me the money reported that they sent the money to the wrong person and paypal is trying to say i now owe {$860.00} for this transaction.