23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

According to XXXX from Bank of America, the company opened a card in my name on XX/XX/2021. I found out about this upon receiving a card in the mail. I did not open this account. 

I spoke with the fraud department and they closed the account. However, I requested that Bank of America not report this account to any credit bureau, as they have not received my permission to open the account ( it was unsolicited ). I asked them to give me an assurance that this account will not be reported to any credit reporting agency, and they refused, stating that they do not know whether the account will be reported or not, and that I would have to follow up with the credit reporting agencies directly. When I pressed to speak with a manager or someone who was able to make changes to the credit reporting for my account, XXXX hung up on me. 

If they have not reported to credit agencies yet, they need to prevent that damage from being done by turning off credit reporting for the account they opened without my permission. I'm logging this complaint in hopes that the bank will turn off credit reporting for the unsolicited account.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX. 
XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX RE : Follow up Recently, I mailed a letter requesting verification of inaccurate accounts reporting on my credit report your bureau maintains on XX/XX/XXXX. I received a response stating that the account ( s ) were verified on XX/XX/XXXX. 

I am formally requesting a description of the procedure your bureau used in providing all information to the original creditor in processing my dispute under FCRA 611 ( a ) ( 7 ).

To be clear, per FCRA 611 ( a ) ( 2 ) ( b ), your agency is required to forward all relevant information to the original creditor to ensure proper investigation of my dispute. 

I am requesting you provide me ALL information used for your investigation, as required by FCRA 611 ( a ) ( 7 ). 

These accounts I am demanding your PROOF, you legally HAVE to provide to me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Per the FCRA you are required to provide this information to me within 15 days or you are to delete the negative items from my credit report. 
You have failed to provide any PROOF of validation to me. 


Best Regards, XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX is collecting on a debt that has been paid. XXXX sold accounts to XXXX XXXX, I have number of accounts showing up under XXXX. These are accounts for as early as 2002.
Product: Credit reporting or other personal consumer reports

Recently checking my credit reported I noticed that I've been a victim to identity theft and found numerous credit inquires. I have no knowledge of here are the inquiries that I've found : XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX. Please remove these inquiries from my credit report. I also attached my identity theft report as well
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$11000.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX Balance : {$170.00} ; XXXX XXXX XXXX Balance : {$18000.00} ; XXXX.
Product: Debt collection

I have a collections bill that after repeated attempts have not received any verification what the bill is for. I called Wakefield and Associates after receiving a bill for {$710.00} to ask what exactly the bill was for. I had not received any previous notification that anything was owed in this amount. Wakefield and Associates informed me that this was a XXXX bill and that I needed to write them an official letter to receive an itemized receipt. I did that and received a letter back on XX/XX/2022 saying that I owed XXXX XXXX XXXX, XXXX. This was not in any way an itemized receipt. I am writing today because I do not believe I owe anything to this company, but I have no way to prove this. My family and I are enrolled in a program called " charity cares '' at our hospital, XXXX XXXX and this program takes care of unpaid bills because we have qualified as a low-income family. I am not sure where to go from here.
Product: Debt collection

About a year ago I had a gym membership. I had switched cards and failed to update my information, which is on me. I understand. However after calling through the gym, another company and finally to a company called First Credit Services, I was on the line with an individual who was very vague and seemed to only respond to very fixed statements and out who I was, the gym i went to and a fairly outrageous dollar amount I had to pay. 
After some time and agreeing to a payment plan from them I got off the phone and looked them up very quickly because I immediately had no trust in them. I found out it was a scam and quickly cancelled my card. It 's one thing to try and pay a debt but when I receive no information and am routed to a " comoany '' that was very intent on me making a payment that day for a high dollar amount sent me off to file this complaint. I am not going to help out a scammer.
Product: Checking or savings account

This is a past dispute on 5 checks issued fraudulently on my account ( totaling {$15000.00} ) in 2010. The checks were cashed by unknown entities. Repeated attempts to resolve this matter over 15 years have failed. Citibank has made absolutely no attempts to identify the destination accounts or the people who cashed the checks. No blocks were issued nor any verification was done by the bank to ensure the integrity of the checks ( which is shocking to me ). After many years, the bank has claimed the signatures belong to me but this is vague as the handwriting in the 'To ' field on the check is completely different and it is fairly easy to forge a signature. I've written to Citibank numerous times on this matter but each time the matter is treated with neglect. They have now stopped responding. I've attached the recent letter sent to Citibank regarding the same.
Product: Credit reporting or other personal consumer reports

XXXX XXXX - XXXX XXXX XXXX XXXX I WAS PAYING ON THESE ACCOUNTS UNTILL THEY CLOSED THEM AND REPORTED FALSE INFORMATION TO MY CRDIT NOW SHOWING CLOSED WITH A BALANCE PLS DISPUTE THESE. FALSE INFORMATION WAS PROVIDED UNAUTHORIZED INQUIRIES IVE SPOKEN TO EACH OF THESE COMPANIES TO PLEASE DELETE THESE INQUIRIES THAT I DID NOT GIVE PERMISSION. 




XXXX XXXX  XXXX XXXX XXXX XXXX ALLY FINANCIAL 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: Credit reporting, credit repair services, or other personal consumer reports

SLS Specialized Loan Servicing LLC Mortgage company reported XXXX XXXX Mortgage past due to XXXX, XXXX  and XXXX for the months of XXXX, XXXX XXXX and XX/XX/2019 when the mortgage was paid on XX/XX/2019 by wire transfer from XXXX XXXX XXXX XXXX of Arizona in accordance with the written payoff demand submitted by SLS to XXXX XXXX XXXX. Please see attached document. SLS has not request to the credit agencies deletion of the past due mortgage report despite several calls since 2019 and written demand letter by XXXX XXXX. Such situation has lowered my credit score from the 700, s to the 500, s and  caused denial on mortgae request, refinancing on loans and credit application for XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I choose to stay with the CFPB policies and I will continue to speak with you through the protection bureau. Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. At this time I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.
Product: Credit reporting or other personal consumer reports

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. 

XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I spoke with XXXX, a supervisor in the Fraud dispute department at Equifax. I informed XXXX I was inquiring about the account XXXX XXXX Credit Card. I explained to XXXX the initial dispute was received onXX/XX/XXXX regarding this account being opened without my consent. I then advised XXXX the investigation has been over 30 days and Equifax has failed to provide 100 % accurate verification of this account. XXXX told me that XXXX XXXX sent over electronic verification regarding the account that included my name, current address, date of birth, and a social security number. I asked XXXX did XXXX XXXX provide any original documentation or contract containing my signature. She then replied by saying no they were not able to provide any original documentation. I then went on to explain to XXXX this is a clear violation of the Fair Credit Reporting Act section 609 & 611. XXXX said she was aware of the Fair Credit Reporting Act but would to wait on notification from XXXX XXXX before taking any action. I told XXXX XXXX XXXX is no longer in business and the information being reported is in accurate in urself. I also informed of the Police Report I've sent to Equifax including this account and account number. XXXX basically ended the call saying it's nothing else that could be done on their end even though their clearly are violating the Fair Credit Reporting Act which is completely unacceptable.
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 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat payment on a credit card account under XXXX open end consumer credit plan as late for ar purpose. 
XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

These are ALL the UNAUTHORIZED HARD INQUIRIESON MY REPORTS that were NOT AUTHORIZED BY ME NOR DONE BY ME ; XXXX XXXXInquired on XX/XX/XXXX XXXX XXXX-Inquired on XX/XX/XXXX XXXX XXXX-Inquired on XX/XX/XXXXXXXX XXXXInquired on XX/XX/XXXXXXXX XXXX XXXXInquired on XX/XX/XXXX XXXX XXXXInquired on XX/XX/XXXX XXXX XXXX-Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX-Inquired on XX/XX/XXXX XXXXInquired on XXXX XXXX, XXXX XXXX-Inquired on XX/XX/XXXX XXXX XXXX-Inquired on XX/XX/XXXXXXXX XXXX XXXXInquired on XX/XX/XXXX XXXX XXXXInquired XXXX XX/XX/XXXX XXXX-Inquired on XX/XX/XXXX XXXX XXXX XXXX-Inquired on XX/XX/XXXX XXXX XXXX XXXX-Inquired on XX/XX/XXXX XXXX XXXXXXXX XXXX-Inquired XXXX XX/XX/XXXX XXXX XXXX-Inquired on XX/XX/XXXX XXXX XXXX XXXXInquired on XX/XX/XXXX XXXX-Inquired on XX/XX/XXXX XXXX-Inquired XXXX XX/XX/XXXX XXXX  CREDIT-Inquired on XX/XX/XXXX XXXX  CREDIT-Inquired on XX/XX/XXXX XXXX XXXXXXXX XXXXInquired on XX/XX/XXXX XXXX/XXXX-Inquired on XX/XX/XXXX GXXXX XXXX XXXX-Inquired on XX/XX/XXXX XXXX CARD-Inquired on XX/XX/XXXX XXXXnquired on XX/XX/XXXX XXXXInquired on XXXX XXXX, XXXX XXXX XXXX  XXXX-Inquired on XX/XX/XXXX XXXX AUTO XXXX-Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXInquired on XX/XX/XXXX XXXX XXXX-Inquired on XX/XX/XXXX XXXX XXXX-Inquired on XX/XX/XXXXXXXX XXXX FUNDING-Inquired on XX/XX/XXXXXXXX XXXX XXXX-Inquired on XX/XX/XXXX XXXX XXXX-Inquired on XX/XX/XXXX XXXX XXXX-Inquired on XXXX XXXX, XXXXXXXX XXXX-Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX-Inquired on XX/XX/XXXX XXXX
Product: Payday loan, title loan, or personal loan

I was solicited by my bank over and over for a XXXX loan for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I only qualified per my taxes and letters the representative ( over the phone ) told me to send in based on all income I received. I was reluctant but the reason assured me if I used the loan for the approved reasons it would be forgiven. I took the loan which was about {$5500.00}. I kept calling about XXXX forgiveness paperwork as the window was closing for forgiveness. PNC never sent anything BUT did call me back a few days before the forgiveness period deadline was supposed to end and sent a link and told me to apply online for forgiveness. I accessed the portal to find I had no access to providing information for forgiveness. PNC had already set the site up where applying for forgiveness was not an option. I called the representative back to discuss and find out what happened. He said they made a mistake and I would have to complete the link and pay the loan back. I went into a PNC branch to dispute they were no help. I asked for information of the person over XXXX loans for PNC they would not provide that information. My taxes clearly show my XXXX XXXX on my taxes which is how PNC determined the amount of my loan. The XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX PNC misrepresented this loan. They did not know what they were doing. They should not have solicited, qualified me and granted me a XXXX  IF I didnt qualify. I would not have taken this loan IF I was going to have to pay it back. To make matters worse, they have been auto debiting my business account for over a year now. This is bad business practices and they should be reported to professional regulations. I did nothing wrong here but I am being punished. This has created an even further financial hardship during these difficult pandemic times. 
There were several different loan reps from PNC when they were constantly emailing and calling me to offer me the XXXX loan. Its obvious this was something new and the representatives were not properly trained or understood the programs and were only operating from the standpoint of the bank benefiting from these governmental programs.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX Date of Inquiry : XXXX ; XXXX XXXX Date of Inquiry : XXXX ; XXXX Date of Inquiry : XXXX ; XXXX XXXX XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX TX XXXX ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Balance {$550.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and you are reoprting inaccurate fraudulent accounts onto my credit file that do not belong to me. I have contacted each company listed below yet they can not validate these accounts with me so how in the XXXX  are hey verifying them with you? Please remove these accounts listed below and in the attached documents from my credit file immediately as they are a result of identity theft. As directed by section 605B of the FCRA notify all furnishers of this information and remove from my credit file immediately.
Product: Credit reporting or other personal consumer reports

Credit report agency continues to report incorrect information and is improperly reporting per FCRA. Identity theft had been recorded with social security, federal trade Commission, attorney general, etc. As a victim, the agency is required to instantly blocked transactions within 4 days ( 15 USC 1681 ( C ) ( 2 ) ) and 5 days ( 15USC 169 ( G ) ( A ) ) to validate debt with proof. It has been over six months dealing with this fraud.

All communication must be USPS no phone calls will be taken.
Product: Student loan

Navient  automatically un-enrolls borrowers from their " autopay program '' if the borrower attends school again. The autopay program is beneficial because it gives the borrower a lower interest rate and automatically deducts payments monthly. The catch here is that, when the borrower calls to request being re-enrolled into the autopay program, they are told by customer service that they will be enrolled the following month. Then, they are never enrolled, interest continues to accrue, and payments never made. This allows  Navient to siphon money out of these accounts in two forms : 1 ) by not allowing current students to be enrolled in autopay while still enrolled in school, or 2 ) actually lying to students, telling them they will be re-enrolled, and then no action takes place. Meaning higher interest rates are applied to the loans during these " periods of confusion ''. If you graduate with student debt and return to school ( grad school ), you will be removed from autopay without warning, your interest rate will increase and no payments will made. Untill the borrower notices this, and contacts Navient, interest accrues while the borrower is under the impression that they are still making monthly payments. Upon contacting Navient, customer service representatives falsley confirm re-enrollment into autopay for the borrower, which never takes place, again allowing time for interest to accure at a higher rate while the borrower is under the impression that the issue has been resolved.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I recently obtained my credit report and found fraudulent accounts I never opened, an overload of addresses I never resided in, inquiries I never made, and even different variations to my name. I disputed this account with Transunion on XX/XX/XXXX and they have yet to respond to my dispute as of XX/XX/XXXX. Attached is proof of when the dispute was filed and the current status according to Transunion. It has been 51 days of silence from Transunion in regard to this matter. I am a consumer and I am aware of the legal rights I am provided under the FCRA and this is in direct violation of my consumer rights. The law states that credit reporting agencies are to promote accuracy which means removing the unauthorized account listed below that remains on my credit report. This is in direct violation of 15 U.S.C. 1681. My dispute was first submitted on XX/XX/XXXX. As you are well aware, federal law requires credit reporting agencies to respond within 30 days ( Plus 15 extended days after ). Transunion did NOT respond to my dispute within the given time period allowed so by LAW THIS MUST BE DELETED IMMEDIATELY. 

Also found this account : Acct Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX BANK XXXX. ) Acct # XXXX Date Opened XX/XX/XXXX Balance {$5700.00} I am not liable for this debt and I do not have a contract with : Company : XXXX XXXX XXXX Address : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, MI XXXX Phone # ( XXXX ) XXXX Police Report and FTC Affidavit are attached to this complaint together with all my dispute letters sent to the bureaus. Please delete this account from my credit report at once. Any questions or concerns I can be reached at XXXX and by email at XXXX. l need a response from the company.
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items 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 items and remove them immediately in my report : 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

On XX/XX/20 I received a text from Huntington alerting me that my account was overdrawn. I do not use Huntington as my primary account and it only exists because it was the local bank in Ohio. 

I immediately logged into my Huntington account to see where the charges came from and noticed that I had funds in excess of {$100.00} going to XXXX. I called Huntington Bank after seeing the charges and after several attempts could not reach anybody. The IVR system kept sending me to the wrong location and when I finally did get the right pathing I was informed that the office was closed. 

I had the card in my hand and it was not physically lost or stolen but I could not stop the transactions from happening online. I now have an overdrawn account that I have no intention of putting funds back into as I can not reach a customer service representative for such an egregious problem. I understand that the holiday was the XXXX but to not even have a fraud department open is unacceptable and highlights the ineptitude of the company as a whole.