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

In XX/XX/2009 i opened Bank of america secured credit card after using few years they converted my secured credit card in to non secured ones. The problem is when the card was secured there was an annual fee of {$29.00} but the card which they converted me into doesn't have any annual fee. But they are still keep charging me {$29.00} fee and that card comes with no benefits like any rewards or point. I feel like i am being charged unnecessarily. 
My request to Bank of America is either to remove that annual fee or convert my card to different ones where i can at least get some rewards. 
thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX, Account name : XXXX # XXXX, Account name : XXXX  # XXXX , has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Last year, I got a credit card from Capital One. During the period I had to pay I was at the hospital for two months and my account was cancelled
Product: Debt collection

I ( and my family ) received several phone calls from a company called API stating theh were hired by XXXX  and that they are going to sue me for over {$13000.00}. However, I contacted LoanMe said they sold my account to a third party collection agency ( that agency is not API ) and the amount sold was {$4000.00}. A woman named XXXX first contacted me ( and my family members ) on XXXX and she proceeded to tell my family members that I had a legal matter that could effect me financially for up to 10 years. I called her on XXXX ( details are explained in a complaint I filled last week ). Yesterday she called me again stating I was going to be sued and then today she called me again threatening to call my employer. She also called my family members today as well, calling one two times in a row, leaving the same message as before ( that I had severe legal matters that need to be taken care of ... so on ). I have not once received any written notification that they now own this debt, not have I received any written letters that would allow me to properly validate this debt. She stated they were hired by XXXX, which I have verified with XXXX is false information. At this point I would consider this harassment of not only me, but my family as well. This is also a violation of FDCPA policies, by calling me ( and my relatives ) and  threatening me before ever sending any written notification of them owing the debts and of my rights for validation and by stating that they were hired by XXXX to fulfill their legal acctions.
Product: Credit reporting

XXXX card XXXX was not properly and accurately reported. 
XXXX date of delinquency is not reported Last Payment date is not reported XXXX Major delinquency is not reported under FCRA I am entitled to have all items complete and corrected.
Product: Credit reporting

consumer cellular acct is not mine. My ex husband opened it in my name. The XXXX credit card is also his, he added my name without my knowledge and I never used it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Filed a dispute with Equifax in XX/XX/XXXX about a XXXX account on my credit file that does not belong there. Received no notification on the status of my dispute. When I checked my free annual reports I still see it listed on Equifax in XX/XX/XXXX! I open another dispute with Equifax ( which they call a re-investigation now ) on XX/XX/XXXX and according to my report number they concluded their reinvestigation on XX/XX/XXXX ( no notification again ) and the item was not removed! Equifax states : The results are : We verified that this item belongs to you. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : *STATUS DATE *BALANCE DATE. If you have additional questions about this item please contact : XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX MO XXXX Phone : ( XXXX ) XXXX This item DOES NOT belong to me as I have NEVER had any account with XXXX. I want to know what verification Equifax received to verify the account and validity to make such a hasty decision. Additionally, the comments look like this is an old zombie debt from the DISCHARGED bankruptcy filed in XX/XX/XXXX! If this is the case, adding a discharged debt is HIGHLY ILLEGAL! Equifax needs to remove this item from my credit report promptly. 

This is my SECOND time opening a complaint with the CFPB and I will continue to open complaints UNTIL Equifax REMOVES the XXXX paid collection from my report. Equifax has failed to provide PHYSICAL proof of what information it " verified '' to me and LIED that I was sent confirmation on XX/XX/XXXX- In fact, how is a reinvestigation PROPERLY conducted in 6 days!!! 
Equifax needs to REMOVE XXXX from my credit file!
Product: Credit reporting, credit repair services, or other personal consumer reports

Last 4 of XXXX RE : XXXX XXXX Dear TO WHOM IT MAY CONCERN XXXX XXXX XXXX : XXXX am responding to your contact about a debt you are trying to collect. You contacted me by phone on XX/XX/2023 and identified this alleged debt. PLEASE PROVIDE PROOF OF CHARGE OFF/ The following account was charged off as of ( XXXX ) Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history which to my understand charged off accounts should NOT include an active payment history. Need I remind you this also falsely manipulates the statute of limitations. I am demanding a deletion of the following account. Please supply the information below so that I have all information : The name and address of the creditor to whom the debt is currently owed, the account number used by that creditor, and the amount owed. If this debt started with a different creditor, provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I might know them, if that is different from the official name. In addition, tell me when the current creditor obtained the debt and who the current creditor obtained it from. Provide verification and documentation that there is a valid basis for claiming that I must pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay? If you are asking that I pay a debt that somebody else is or was required to pay, identify that person. Provide verification and documentation about why this is a debt that I must pay. The amount and age of the debt, including : A copy of the last billing statement sent to me by the original creditor. State the amount of the debt when you obtained it, and when that was.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. This List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 
As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. S 1681i ( 7 ) Method of verification- Description of reinvestigation procedure In accordance with the Fair Credit Reporting act XXXX  XXXX  XXXX XXXX XXXX This account has been deleted XXXX and XXXX but still remain on Experian XXXX XXXX XXXX They are not licensed to collect in Michigan XXXX XXXX They are not licensed to collect in Michigan XXXXXXXX XXXX XXXX  XXXX They are not licensed to collect in XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX I never signed an agreement with them XXXX XXXX XXXX XXXXXXXX XXXX XXXX I never signed an agreement with them XXXX XXXX XXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions I am enclosing a copy of my credit report
Product: Checking or savings account

I have a joint checking account with my spouse at Santander bank. On XX/XX/XXXX I deposited a check made out to me for {$1500.00}. This deposit cleared and finalized on XX/XX/XXXX, and I have both a confirmation number and an image of the check ( Which had been processed on the mobile app. ) On XX/XX/XXXX I contacted Santander Bank to make sure that deposit had cleared and I was assured that it had. Several hours later however, on XX/XX/XXXX, my account balance showed a large overdraft in the amount of that check. When I contacted Santander bank, they told me that my deposit had been flagged for an extra hold time and would not be released for another week. They were not able to give me a reason why this had happened. The check was not for an amount larger than I would usually deposit, The check had already cleared with the originating bank XXXX XXXX XXXX XXXXXXXX ) and the money was already being held by Santander. Again, I regularly deposit checks of this amount into this account, which I have held for 12 years with this bank, and I have received numerous checks in similar amounts from the same account that this one originated from. ( the money was a gift from my parents. ) None of the customer service people from Santander bank were able to tell me why this hold had been placed. Because of this unexpected delay of a week in processing my deposit, I am incurring a number of fees, including overdraft fees, and late rent payment fees. Most importantly, I only discovered this hold by chance when I saw the large overdraft on my account, and it took a long time on the phone with several people in order to find out what had actually happened. It is my understanding that a bank can put an extra hold on funds if it determines that it might be necessary. However, it is also my understanding that a bank needs to notify the account holder that this is happening, and this was not done in my case. Nobody notified me of anything, this hold is still not listed in my account activity, and I would not have found out about it if I had not called. I am making a complaint seeking to recover the amount of money lost in various fees, due to the fact that I was not informed that there would be a hold on this deposit, and was, in fact, told the opposite, that the deposit had already cleared.
Product: Debt collection

I went to the XXXX XXXX XXXX XXXX in XX/XX/21 for a coronavirus test that they did for free and then they sent me to charge XXXX dollars and they say I went for a headache, which is not true, I called many occasions and asked that they send me a record of the service I received which they never did.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account name : XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Inquiries : XXXXXXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the XXXX Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Credit reporting or other personal consumer reports

KOVO INC reported on XXXX to my credit profile a sales contract of XXXX, stating this was opened on XX/XX/23. I never opened nor authorized nor signed any agreement or contract for an installment loan. I never gave nor approved anyone to issue me any credit for this amount. This company charged me an amount of XXXX to my account for payment as an initial payment towards this loan. I never gave this company my credit card or bank information for payment. I want my money refunded and this account closed without any negativity to my credit report. Please have this account closed and removed from my credit profile. 
I called this company via phone call and emailed them with no response. They refuse to answer the phone at any time of the day.
Product: Credit card

Ok, I called the Citi Credit Card on XX/XX/2023 and I was told that I owe {$2900.00}. I paid {$100.00}. and on XX/XX/2023, I made another {$1000.00}. I mentioned to the campany that their service has a lot of problem with my account. I asked that I am going to close my account that I can not continue like this. On XX/XX/XXXX I called again and I asked how much is left on my account and I again asked to close my account. I did pay the remaining amount, {$1900.00} and beg them to close my account. I was promised they did. Now, a year later, I am told that I owe {$200.00} after calling them. One of the supervisor told me that I don't owe any, but it is to my credit. Then, every other day, I got calls to make payment. I tried to explain that I don't have their credit card since I was told to discard it. No matter my explanation I am asked to pay that {$200.00} from XXXX XXXX. How is it possible I am promised that my account is closed and someone can still charge the credit card I already closed my account? I need you help in this matter. I can attach all the payment from my XXXX XXXX transactions to verify this. I thank you.
Product: Credit reporting or other personal consumer reports

I am listing accounts 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 XXXX  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 has hurt my ability to obtain credit.
Product: Debt collection

On XX/XX/XXXX, I placed an order online with XXXX via XXXX for a XXXX XXXX XXXX, which cost {$210.00} with tax. The bed was scheduled for delivery on XX/XX/XXXX, but it had not been shipped by this date. I spoke with a XXXX customer service via chat on their website on XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX ). XXXX was unable to provide a shipping date. I requested cancelling the purchase since I wouldn't have ordered it in the first place if it was going to be so delayed in arriving. XXXX stated that they couldn't cancel the purchase because it would be shipping soon. XXXX business days later, it hadn't shipped, and XXXX was unable to provide a shipping or delivery date estimate. I requested a refund by filing a claim through XXXX on XX/XX/XXXX. XXXX refunded {$210.00} to my account on XX/XX/XXXX. XXXX stated the case was closed in my favor. 

Fast forward to XX/XX/XXXX, I received a letter from CEDARS Business Services that XXXX sent my case to them for debt collection. XXXX claims that the bed was delivered on XX/XX/XXXX. However, as of XX/XX/XXXX, the online order did not shop a shipping or delivery date and I never received the bed. That's why I filed a claim for a refund with XXXX. 

I submitted an appeal to XXXX on XX/XX/XXXX. They claim that XXXX traditionally provides refunds in good faith but that the bed was delivered based on their internal investigation. However, they can't provide a picture or signature to prove that it was delivered to my home.
Product: Credit reporting, credit repair services, or other personal consumer reports

at this time, I XXXX, the living woman and consumer protected by federal law is writing the request in regards to errors that have not been updated nor deleted off my consumer report. It is a fact that the US DEPARTMENT OF EDUACTIONS XXXX has not proven, validated any facts regarding my written consent given to them or any permissible purpose to report on my consumer report. I NEVER GAVE CONSENT so how can XXXX overturn me the consumers decision, this is a identity theft act and violation. If i did not consent this is in fact identity theft. Pursuant to 15 US code 1681B you MUST HAVE WRITTEN CONSENT FROM THE CONUSUMER.XXXX has been sent by certified mail showing signature confirmation. In addition, Experian continues to verify the information " accurate '' in violation pursuant to 15 US Code 1681AE, verifying information with public sources, family, friends, can not be factual, unless coming from the CONSUMER, XXXX, which in this case HAS NOT. The information needs to be deleted immediately. a Federal Claim is pending for violations under the US Codes and unlieable rights. XXXX IS IN RECEIPT OF DEBT VALIDATION LETTER also requesting the following pursuant to the fdcpa laws of requeting documentation to prove non ill will toward the situation in hopes of correcting thereof. XXXX XXXX wa asked to provide ... .I am requesting the following from [ DEBT COLLECTOR ] : 1.Name and address of alleged creditor. 


2. Name on file of alleged debtor. 



3.Alleged account number or numbers 4.Address on file for alleged debtor. 


5.Amount of alleged debt.

6.Date ( this alleged debt became payable ). 

7.Date of original charge or delinquency. 



8.Was this debt assigned to a debt collector or purchased? 



9. Amount paid if debt was purchased.

10. Commission for debt if collection efforts are successful. 

However they responded with the attachments below, and without nay factual validation or any contract ties to myself and XXXX. We have none. and if so please request the ledgers the on and off ledgers pertaining to this account showing the bookkeeping. as well a any tax forms copies. XXXX can not.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I requested a credit report from Equifax and received the report which is XXXX. In reviewing the report, I noticed that there were comments ( 1 ) as follows : XX/XX/XXXX - Foreclosure process started XX/XX/XXXX- Paying under partial payment agreement XX/XX/XXXX - Paying under partial payment agreement I have never been involved in any foreclosure with the properties that I own, so I do n't know where this is being reported from. Since there was no information on the report to indicate where this was coming from, I contacted Equifax and they told me to contact XXXX which supplies the information. Neither company could provide any information as to where this was from, so they advised that I file a complaint with the CFPB. 

My intent is to get this removed from my credit report. Please advise.
Product: Mortgage

On XXXX XXXX, XXXX I paid my Mortgage to US Bank, XXXX and {$200.00} toward principle reduction. The receipt show the date paid as XXXX XXXX which makes the payment late and a late fee of {$50.00} is due. I ask the teller that accepted the payment, XXXX, I do not beleive that XXXX is her actual name I had to ask her 3 times for her name, claimed that US Bank policy forbid her from writing the actual date the payment was received on the receipt or giving her name or Employee # to identify her. She said quote " I do not want to be liable for receiveing the Mortgage Payment ''.
Product: Credit reporting or other personal consumer reports

have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023 2023
Product: Student loan

Despite making payments towards my student loans, my XXXX tracker is showing that my XXXX Loans have only XXXX qualifying payment, while my XXXX loans show XXXX. There is no explanation for the discrepancy of the counts. I have owed these loans for the duration of my employment for a non-profit organization and have made monthly loan payments during the entire duration of my employment. Both of these counts should be XXXX payments.
Product: Credit reporting or other personal consumer reports

I DID NOT APPLY FOR CREDIT, LIVE AT or WORK AT THE PLACES LISTED BELOW : Inquiry : 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. Under Section 1681s-2 ( b ) of the FCRA, when a furnisher receives a consumer dispute forwarded by a consumer reporting agency, the furnisher must conduct an investigation to determine whether the disputed information can be verified. If the evidence available to the furnisher is inconclusivei.e., if the investigation is unable to determine whether the disputed information is accurate or notthen the FCRA does not allow a furnisher to report back to the consumer reporting agency that its investigation verified the accuracy of that information. Even if no reasonable investigation could have conclusively determined that the information was false, the fact remains that the information has not been verified and must be handled accordingly. In particular, Section 1681s-2 ( b ) ( 1 ) ( E ) provides that when disputed information is found to be inaccurate or incomplete or can not be verified, the furnisher must, as appropriate, delete, modify, or permanently cease reporting the disputed information. The appropriate response is the one that will ensure that the furnisher does not continue to report any of the XXXX XXXX, Document XXXX, XX/XX/2023, XXXX, XXXX of XXXX XXXX information that the consumer has disputed unless that information is verifiably accurate. Thus, any information that can not be verified should be deleted from the data that the furnisher submits to consumer reporting agencies. Moreover XXXX still has NOT PROVIDED PROOF. Please remove the above inaccurate information.