23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

Dear sirs, I recently spoke with your rep and she read me the response from XXXX at Bank of America. This has truly been a nightmare i hope to end soon. The bank cleared this certified company check and then after being on hold for 4 days they cleared it into my account. The very next day they put a stop payment on it. Then to make matters worse they stopped payment on a check that was n't even real. The Bank will not return my calls, keep adding fees and will not let me close my account. BAnk of America is clearly avoiding the fact that their processors missed that this was fraud and refuse to admit they were wrong in letting this check get cleared and a stip payment be put in effect. The documents they sent you do not match the documents they sent me. This is in reference to a case i already have with Bank of America. if i am causing confusion i apoligize but i dont know how else to give the updated information to your company. I am attaching documents which clearly are different that the ones the bank sent to you. also the information they provided to you is indeed their side of the incedent and does not match what truly happened. case XXXX. 
I am homeless and temporary with a friend i am XXXX and it is hard for me to get around. i will check my email please let me know if you need me to call you. 
thank you, XXXX XXXX
Product: Credit card or prepaid card

I applied for a card via Credit Karma through their approval guarantee, application was submitted to XXXX, denied, reasons include a prior personal loan account since charged off ... A case was opened with XXXX XXXX, case ID # XXXX. I've been emailing back and forth with their rep ( s ), a copy of reverse action email sent to them numerous times .... Their reply indicates they can not see full document and or experiencing trouble viewing it, do not have the email ( s ) available to refer back to... I've since sent screen shots of email to them, have not heard back in re... I suspect Credit Karma is attempting to deny their guarantee by claiming they are unable to view email or something in email voids guarantee... The FTC has gone after Credit Karma regarding their pre- approved claims pertaining to credit cards, it appears their credit guarantee. falls into same category.. I have copied article from FTC site here : https : XXXX. 

I've attached again screen shots of reverse action notice from XXXX, no reply in re to this from Credit Karma..
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX XXXX Re : Notice of Dispute Dear CFPB, I was under the impression that you are required to follow reasonable procedures to assure maximum possible accuracy of the information concerning me and my consumer file. However, I would like you to conduct a reasonable reinvestigation to determine whether the following disputed information is inaccurate and delete the items from my consumer file in accordance with 15 USC 1681i ( a ) ( 5 ) ( A ) : XXXX XXXX/ XXXX Delete this account because you are inaccurately reporting ( ATTACHED REPORT SO YOU CAN SEE THE DIFFERENCES IN EACH ACCOUNT. ) XXXX XXXX XXXX Delete this account because you are inaccurately reporting ( ATTACHED REPORT SO YOU CAN SEE THE DIFFERENCES IN EACH ACCOUNT. ) XXXX XXXX - Delete this account because you are inaccurately reporting ( ATTACHED REPORT SO YOU CAN SEE THE DIFFERENCES IN EACH ACCOUNT. 


You have XXXX  days from the receipt of this notice to conduct a reasonable investigation to determine whether the above information is inaccurate and delete the items from my consumer file. Please forward any changes to my file to the address above. 

Regards, XXXX XXXX XXXX
Product: Debt collection

Company says they sent a letter of verification, they did not, and representative refused to send me a letter to verify that the debt belonged to me with proper identifying information, then told me I would be sued for the debt even though I can't verify it belongs to me. 
I disputed the debt before because they did not have the correct information according to the first representative, they claim that they do but will not allow me to see what information they have.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2022 I spoke with a rep at Equifax about my identity theft and potential fraud. I was advised to fax or mail in copy of my drivers license and social security card along with a copy of my police report. I also sent them the documents I was able to get from one of the creditors that advised the inquiry was fraudulent and sent previously to Equifax months prior.I called back 5 days later to confirm if my documents were received, I was told yes and that my request would be processed. On XX/XX/2022 I received an updated Equifax report advising that the inquiries I stated were fraudulent were in fact valid and will remain. I called on the same day and the rep had advised me that an internal process was not completed properly and she would have to resubmit my dispute again and I will get my results within 30 days. On XX/XX/2022 I receive another updated report from Equifax and this time it shows where they deleted the items in question and at the same time validated the items as accurate within the same report. I called Equifax and on rep XXXX advised he couldn't do anything about my file because he couldn't see documents I faxed in only my driver license and social security card. I asked to speak to a supervisor name XXXX, she advised that she could see the documents i sent in but could not validate them to update my account she said another department called the specialty department handled those issues. XXXX could not explain why on my same report the items shows deleted and then the same items showed valid and accurate. XXXX told me I would have to submit a FTC report along with the same documents I sent on XX/XX/2022 that are currently available on Equifax system in order for them to reinvestigate my dispute. So now I have to resubmit this request for a third time because it appears Equifax is not willing to review any of the previous documentation sent. On the updated Equifax report you will see on pages 3 and 4 were the items in dispute were deleted and also validated at the same time.
Product: Debt collection

I am recieving continuous phone calls from a company trying to collect a debt for XXXX from XXXX which i do not believe is mine. I have repeatedly informed them it is not mine and continue to get phone calls threatening to take legal action and threats to sue me or have me arrested. They have also reported it to my credit file with the 3 reporting agencies as a debt being opened in XXXX, resulting in a drop in my credit score and for other creditors to reduce my credit lines due to this negative report. I have disputed this on my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

The items I am disputing do not relate to any transactions that I have made or authorized. Please remove these items at the earliest possible time. Also, the information you provided on some items are DELETED from other bureaus and I have doubts about their accuracy and the reported payment history on some accounts is a mystery to me, I dont remember I missed a payment. As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, a copy of which is enclosed, I am requesting that the adverse information on the items be removed to correct the information. 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 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: Credit reporting, credit repair services, or other personal consumer reports

I paid my car loan off on time and paid off other bills on my credit report and my credit score drop down very low from XXXX to XXXX when you pay bills off on time how they take my score down .now I can not get a car loan because my sore is very low .I was told my score will go up it went down.I talked to the XXXX credit XXXX, XXXX, XXXX. I talk to them aroundXX/XX/XXXX-XX/XX/XXXX ..
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to create an account and use the Experian website to unfreeze my credit reporting. When I got to the point of agreeing to terms and conditions, the website freezes and does not respond ( for hours ). So I tried to call the XXXX number listed on their website. It gets to the point of asking for the PIN, but when you start to enter the number, it acts like it has validated it about half way through the digits. Then it leads you through setting up a temporary freeze, which seems to work, but does not actually work. The company trying to check my credit says it is still frozen. There is no option to speak with a human. They offer to give you instructions to communicate with them via MAIL! This is a total fail. It is not 1972 - financial transactions are not carried out by postal service. So now my credit application is stuck with no recourse.
Product: Credit card

There is no reporting for XXXX, XXXX and XXXX for my Capitol One card ending in XXXX.
Product: Debt collection

I have disputed this debt with all  XXXX  credit bureaus. They have failed to show proof of debt, but will not remove it off of my credit. I did n't not break my lease, and when I moved out there was  XXXX  monies owed. This was never explained to me nor did I received notification about this debt prior to seeing it on my credit report.
Product: Debt collection

Nationwide Recovery is attempting for the second time to collect this debt, see attached previous claim with you, number XXXX. As with the first they never sent me a notification through the US Mail, a direct violation of federal law. Please find attached the most recent attempt to collect this debt. Also, please find again, where previous collection agencies attempted to collect this debt. Nationwide is the 5th different agency to attempt to collect this debt, which was never verified. As with their first attempt ( third over all ) please delete this from my credit file.
Product: Mortgage

Asked Crosscountry to drop PMI when XXXX  % XXXX reached since they had following on XXXX website and I qualified all the condition. They XXXX  charged me {$190.00} and told me they will do it but then refunded the same saying this can not be done. 

However, you can submit a request for early cancellation of PMI before the automatic termination date. 

Your property must reach at least XXXX  % equityor XXXX  % XXXXto be eligible for an early cancellation. 
Also, other conditions XXXX apply to early cancellation depending on the loan investor. Here are the main ones : Your loan must be current. 
In the last XXXX  months, you cant have been more than XXXX  days late on any payment. 
In the last XXXX  months, you cant have been more than XXXX  days late on any payment. 
If you have not reached an XXXX of XXXX  %, we may be able to order an official appraisal of your property to verify if the current value has reached the XXXX  % equity requirement.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX  I wrote a dispute because the account for XXXX XXXX XXXX XXXX Account Number XXXX is reporting with a completely wrong payment history!! You had 30 days to respond to my dispute, and it has now been 52 days and I still have not received a response. Your false reporting 's are damaging my credit score and ability to obtain credit. I refuse to let you all report such false information on my credit file. Please remove the false payment history and complete a thorough investigation of this account! I was never late and the house has been sold for a profit!
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX Citibank Home Depot store credit card with a limit {$500.00} current payment status XXXX dollars is due this account is showing as negative payment on my account that should be removed from three the credit bureaus as of XX/XX/XXXX account number XXXX remove all late payments
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
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 XXXXXX/XX/XXXX
Product: Credit card or prepaid card

I have tried multiple times to cancel this amex credit card because I closed my business. Each time I call they say it is resolved, but I JUST GOT ANOTHER STATEMENT WITH late fees and some charge from a vendor I CANCELLED A LONG TIME AGO. these PEOPLE DO NOT UNDERSTAND when I tell them to cancel the card, then a fee is put on it. Some of the conversations are on chat and some are on the phone. Not sure of the dates, but This is going on for months now and they are getting annoying. the last chat I had, they stated I owed some other disputed fee, then they stated the card will be canceled but it still goes on. 
Now my XX/XX/XXXX statement has a fee plus some other amount that should not be on it since it was cancelled months ago.
Product: Checking or savings account

I received an email from US Bank regarding an application for a Silver Business Checking account. 

The imposter was using the XXXX number from my business and provided a phone number that was not mine. 

I received the email and contacted the bank to tell them that it wasn't me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax, and XXXX  all have incorrect personal information. Including my middle name wasn't there. So I changed my name and address. Also my job title i have been employed for over 8 years. Once i tried to dispute changes, they're saying not available to process my dispute. im deeply sadden by this, especially through this pandemic.
Product: Credit reporting, credit repair services, or other personal consumer reports

I hope your day is going well, but I need your help. I noticed some inaccurate accounts on my credit report. I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from theFTC and here on the website here. This incorrect information on my credit report is causing problems when I try to apply for credit.I reached out to each account on here and just can't get anyone to help me. They keep sending from one person to another. I have been dealing with this for a whole month now. 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. I am doing this on my own behalf and really need someone to help me with this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Earlier this year I wrote all 3 credit agencies to and sent them the paper work veryfying my information and all except 1 Trans Union continue to report this Tax Lien information on my report.
Product: Debt collection

On XXXX XXXX XXXX at XXXX I received a call from GSB inc ( XXXX ) XXXX. I agreed to make a XXXX payment for the medical bill currently held with GSB. I requested more information since the rep was indicating my debt would be sent to a lawyer. I was transferred to a supervisor ( XXXX XXXX ). I again indicated I would apply XXXX toward the debt. XXXX told me, paying that amount would not be acceptable and would not keep their lawyer from suing me. XXXX XXXX continued to threaten me that I would need to contact the lawyer and would not explain his threat of a lawsuit to me. I requested XXXX XXXX supervisor because I wanted clarification about the lawyer that was going to sue me. At XXXX on XX/XX/XXXX I spoke with XXXX - he indicated he was a supervisor at General Service Bureau Inc. I made a XXXX and requested additional information about the threat that I was going to be sued by the lawyer. I have not received any response from the company. After months of this company harassing me, repeated auto calls - some minutes after I made a payment, I now can not get them to contact me. This company has called me up to 5 times a day. I explained I will pay what I can to the debt. Before they threatened to sue me, I gave the company permission to leave phone messages. I was not attempting to avoid payment or the calls. A supervisor at GSB inc. threatened me that my payment would not prevent a lawsuit, yet I am unable to get a supervisor to call me back. Is it not against the law for a phone rep to threaten a lawsuit?
Product: Credit card or prepaid card

I purchased a card with net spend bank and added {$300.00} onto it. Net spend Then said Im not allowed to have an account with them and they will mail me a check with my balance. The check never came and they refuse to issue another one. No routing number was given it was sent with regular mail usps.
Product: Debt collection

After being evicted in XX/XX/2023 for not being able to pay rent I relocated and tried reaching out to my landlord before being evicted and he spoken to a judge further about a resolution but never received a response and was ignored until later, my grandpa receiving my mail to his address in a different state. To which it was a letter from the national credit systems , inc XXXX XXXX XXXX XXXX, ga XXXX stating they are trying to collect a debt owed to XXXX XXXX XXXX totaling, XXXX Stating to call them by XX/XX/XXXX of 2023 to dispute this matter when I hadnt heard anything about owing anyone since being evicted XXXX. Stating they will provide other agencies my information and to have my credit impacted.
Product: Debt collection

I am writing to report multiple violations that Volkswagen is committing against myself and that are affecting me in a huge way. This company is reporting a wrong payment history on my account. I have never been late. They are committing UNFAIR BUSINESS PRACTICES. 

I must say that I tried to solve this big issue with them. I sent them a dispute letter demanding the proper investigation as that the law requires and the account is not being investigated at all. THEY DIDNT EVEN REMARKED THE ACCOUNT AS DISPUTED which is another violation under the Fair Credit Reporting Act. They just ignored my request and didnt do anything about it. My rights are not worth at all for this company. 

When the late payments were reported, I NEVER RECEIVED A LATE PAYMENT INSERTION BY MAIL as the law requires. They are being NEGLIGENT and UNFAIR, and this is affecting me mentally and physically. I had to go to the hospital because I was not feeling good at all, and they say that I have a high level of stress. This situation is just overwhelming for me. 

I demand a deletion letter from the mentioned company as soon as possible so I can provide to my mortgage company and get approve with the interests I want. If Volkswagen refuses to provide letter of deletion letter through CFPB portal, I will not think twice to take this issue and be decided by a judge in a Court of Law for all the violations committed. Thanks to whomever reads my complaint. 

Account : VOLKSWAGEN CREDIT INC Account Number XXXX. Date Opened XX/XX/2018. 

- Please see attached letter sent to Volkswagen and the proof of fax.
Product: Credit reporting, credit repair services, or other personal consumer reports

These inquiries are fraudulent please investigate and remove from my reports ASAP XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPARTMENT OF EDUCATION 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 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 
Dispute this 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 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 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 XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Since I got this cell phone number, they started calling me. I dont have any debt. 
Everyday they call at least 5 times. 
I blocked the numbers but theyre calling with different number after I blocked. 
I got the call and tried to ask what is this call for, but it was robo call and hang up by them. 
I tried to call their customer service but they dont allow to call them unless I have account which is I dont have. 
I was not able to contact them.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second time I have filed this complaint. I filed a complaint # XXXX. Nothing came from that complaint. XXXX XXXX responded acknowledging their attorney received my payment and as soon as it was posted they would update my credit report. They advised the process took up to 90 days. My payment was made on XX/XX/2021, which was 157 days ago. XXXX XXXX never reported to the three credit reporting agencies that my payment was made in accordance with the court mediated agreement that was made. I filed a dispute with all three agencies : Experian, XXXX and XXXX. The results of my disputes were that XXXX XXXX RENEWED the debt on my credit causing my scores to crash up to almost XXXX points causing one of my closed and paid off lines of credit to close. I was denied a new line of credit and denied a home mortgage. I fulfilled the court mediated agreement while XXXX XXXX defaulted on it which has now cause great financial hardship on me. The three credit bureaus were provided all documents from the court, my receipt of payment along with XXXX XXXX written admission of acknowledgement that their attorney was in possession of my payment and neither of the agencies would correct the error, again resulting in great financial hardship on me.