23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

In XX/XX/XXXX, I contacted Bank of America to initiate a partial transfer request for a security position held at another institution ( XXXX XXXX ). Bank of America sent me a form to complete, which I did complete a submitted. After not hearing from Bank of America for several weeks, I contacted them to inquire about the status. Bank of America instructed me they sent me, and I submitted the incorrect form, and the mailed me a different form to complete. Upon receipt of the form sent by mail, I completed it accordingly requesting a partial transfer of the same security. The form appeared to require notary signature. I took the form to the local branch in order to have it notarized, with the intention of mailing it back accordingly. At the branch a bank representative stated a notary was not required, and that they could handle submission of the request at that time. I instructed the representative to ensure that the form was completed accurately to initiate a partial transfer of the respective security as I did not want the account at XXXX XXXX to be closed. He stated that it would be handled accordingly. After leaving the branch I recieved an email confirmation that same afternoon ( XX/XX/XXXX ) that the transfer was initiated as a Entire Account Transfer transfer type and that they expected to have it completed by XX/XX/XXXX. I returned to the branch that same day to instruct the branch representative that it was incorrect, and to either request modification or have it cancelled. I was told Id have to wait until it was completed. 

Upon notification that the respective incorrect transfer had been completed I contacted Bank of America to correct the the issue, I was told by the representative that the form they have on file instructed them to execute a full transfer. I stated that was incorrect, as the form I completed and signed, specifically section XXXX, was checked marked for Partial Transfer. At that time I requested a copy of the respective form they have on file, which was told I could view in my secure vault within my respective account online. The respective form is not in the secure vault within my respective account. The form I have explicitly instructed for a partial transfer The representative stated I would need to contact the sending institution in order to request the ACAT transfer be reversed. 

I followed up with several subsequent phone calls with both institutions, with the last call being w/ Bank of America where I was instructed to initiate a XXXX XXXX XXXX order to have the problem investigated and reconciled. I requested that a XXXX XXXX be initiated on that phone call and the representative stated he had initiated it and they would follow-up with me within XXXX hours. I have heard nothing back since, and the issue has not been resolved.
Product: Credit reporting or other personal consumer reports

i did not make these transactions this is fraud please remove its affecting my credit score and i recently notice these charges and address its not mine on file
Product: Debt collection

In late XXXX, early XXXX XXXX, there is a creditor that appears on XXXX. Zions Debt Holdings for a XXXX account. I had an attorney, XXXX XXXX XXXX since XXXX, who I was working with to resolve any and all open debts, this account never came up & all others were paid. I worked really hard to fix my credit, so seeing this on my credit report & no-one had ever tried to reach out to me XXXX was also concerning. Suddenly I get an email & text from this company saying they own this account and that they offer to expunge this from the credit agencies if I pay online. I start to look into the debt & as far as I remember this account was cancelled due to services I had been paying for since XXXX, I had an incident where the alarm went off in my unit & no one was alerted, their service was supposed to include contacting authorities and myself. I call them and ask them if that is their practice to report before trying to contact someone, they say they did send a notice to my address, I say, I never recovered anything from you & you obviously had my email & phone #, I was working with an attorney. They became rude & reiterated that they did send it, so I ask that they send me something verifying this debt & explain what I just wrote, this account was canceled. Their response have been rude, condescending and dismissive. When I receive the paperwork it is dated XX/XX/XXXX & says I owe XXXX. I send an email & ask them when do they show I stopped paying & they said XX/XX/XXXX, so I ask why this shows I owed XXXX in XXXX & they are asking for over XXXX. I also tell them I am disputing this charge & they did not provide me with any paperwork so I could dispute, so I sent an telling them I am disputing & if they could provide me proper documentation showing these charges, she responds with an email breakdown now with an amount of XXXX. I ask them again for any valid document showing, now I have XXXX different amounts they claim I owe The attitude and harassment was immediate.She said I asked for a breakdown, when I clearly asked for a document from XXXXshe said I could not cancel the account. She said the only way to cancel is for me to pay the remaining months.I had already asked them not to communicate with me via phone or text because they are just bullies and nasty. I now respond & send them back the original email where I specifically asked for a document not a breakdown on an email. I am now anxious and upset, for no reason & now I am angry, again for no reason, I have been working with creditors & I had never been spoken to in such a disrespectful tone. I tell them to never communicate with via phone or email ever again, I do not want to feel this way. I ask that forward the documents. They decide to email me anyway saying it is the consumers responsibility and what do I want. I do not want anything to do with this company, they are awful & have no ethical or moral experience.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called this company to have these inquiries removed. I do not recognize these inquiries and I do not consent to having this false information shared on my personal credit profile. Please remove immediately as this hurts my credit reputation and livelihood. 

This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 

Date : 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 I need these inquiries removed immediately
Product: Debt collection

In XX/XX/XXXX I discovered a Collection Agency " State Collection " on my credit report ( XXXX ) claiming funds on behalf of XXXX XXXX XXXX. I contacted the Collection Agency XXXX XXXX / Supervisor ) to let them know my account is and has been paid in full since XX/XX/XXXX. XXXX told me this account would go to their " Client Services " for review. I also contacted XXXX XXXX XXXX ( XXXX ) to clarify this claimed account, and it was verified any debt ( s ) have been paid in full. I was told by XXXX XXXX XXXX to call State Collections back to let them know it was verified the account was paid in full, and they do not understand why I was submitted. Since then, this claim has not been removed from my credit report. I called State Collection again today ( XXXX ) and spoke with XXXX, and this time she gave me XXXX stories. The first story was they sent me an itemized bill on XX/XX/XXXX ( not received ) then she changed her story telling me they contacted XXXX XXXX XXXX but received no documentation from them. I immediately called XXXX XXXX XXXX back and spoke with XXXX, and she again verified I owe nothing to the hospital, and they DO NOT conduct any business with " State Collection '' and do not understand why they would be making this claim. I am at a loss of what to do now. I am not getting any results from either claimant.. Please advise ...
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : 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
Product: Credit reporting 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 accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information which is being posted to my report. XXXX XXXX XXXX Balance {$8400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I authrized a payment of {$43.00} on XXXX acct # XXXX when XX/XX/XXXX came I found out that my promotional rate had ended taking my {$800.00} balance to {$2800.00} I was very upset to hear this information since I had just paid the bill on XX/XX/XXXX and no letter no email was sent to inform me of these upcoming changes. After learning of these new charges I CLOSED the account without payment on XX/XX/XXXX and to this day never authorized or consent to any payments or payment arrangments on said account. XXXX then started Reporting on XX/XX/XXXX on my credit file payments made from XX/XX/XXXX till XX/XX/XXXX then the account went back into 30 days late status on XX/XX/XXXX the account reached charged off status on XX/XX/XXXX then XXXX started reporting additional payment made from XX/XX/XXXX thur XX/XX/XXXX after the account had been c/o and sold. I have reached out to XXXX several times in regards to this issue and they have continued to make minor changes to my report giving it a updated status when the issue has never been addressed which is ( WHO AUTHORIZED/CONSENTED ) to these payment that's been applied to my account without my consent I have never contacted XXXX to this day about payment when I asked XXXX who how these payment came about they have never addressed my concern only directed me to the debt buyer ( XXXX  ) my concern Is not with who owns the debt. But the information XXXX is reporting on the original debt that only XXXX has reported not XXXX XXXX reporting such payments received has ILLEGALLY changed my date of first delinquency and is FALSELY manipulating the statue of limitation on how long a lender can report a debt. not only that XXXX has flipped flopped so much information so many times including changing my first date of delinquency from XX/XX/XXXX to XX/XX/XXXX from a charged off account to repo account and back to c/o account after certifying with the three major credit bureaus all information is accurate and true each time admitting one of XXXX reps made an error in reporting my information still refuse to delete the trade and still to this day can't explain to me how these payment came bout without my knowledge or consent I have also reported Alphaeon for FRAUD, WASTE, MISCONDUCT so that this matter can be investigated to the fullest of the law. I am the solo owner of this account and I mad no such payments never agreed or consented to many payments, payment arrangements made after XX/XX/XXXX in the amount of {$43.00} which in fact would make my first 30 days late XX/XX/XXXX .... how did these payment come about on my account
Product: Credit card or prepaid card

Id had Wells Fargo for over 5yrs and when I asked for a credit limit increase I was told I had to back with Wells Fargo before I could get a credit limit increase so I cancelled the CC with Wells Fargo I dont like them at all
Product: Credit reporting, credit repair services, or other personal consumer reports

I have the experian membership, I called and talk to someone at Experian about my Student Loans showing closed instead of open. They said on there side it is open and I called the student loan departments they told me there open and in great standings like just how they are period with no missed payments at all. Even on XXXX and XXXX my student loans report in excellent condition. The date I contacted Experian about this matter was XX/XX/2019. They told me to email the photos to XXXX which I did at XXXX XXXX. I followed up with Experian in the next 2 or 3 days they claim to not understand what I was talking about. I followed up again 3 days after that they claim to be working on it but still nothing haven't been done at all. I called in the morning and in the evenings over 10 times still nothing being done about it. 
Here is the message I sent Experian below : Student loan accounts from XXXX, XXXX are in good standards should say " Current '' and not closed. I'm still in school. When I called today the Experian rep it wasn't showing on Experian end the accounts were closed. Here 's proof how it shows on my end.
Product: Debt collection

Previously filed complaint which was closed in less than 12 hours with no resolution. 

Creditor attempted collection of debt that is not mine. Disputed debt via credit bureaus and received no communication nor verification XX/XX/year>. 

Contacted CFPB for assistance and removal from credit report. Bull City responded in less than twelve hours, stating information would be sent to address on file. How is that helpful if 1 ) the debt is not mine and 2 ) it goes to some place where I dont receive mail? Furthermore, this creditor is also aware I recently discovered identity theft and has still made no legitimate effort to resolve.
Product: Debt collection

On Saturday, XX/XX/XXXX, I sent a letter by certified mail ( USPS tracking XXXX ) to Upstark Network Inc in an effort to validate a negative item, pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ). The negative item is a charge-off in the amount of {$2500.00} that was later purchased by a collection agency. The letter that was sent to this provided specific requests for debt validation. Upstart received the letter on XX/XX/XXXX yet I did not get a response from Upstart Network Inc. I sent a 2nd letter on XX/XX/XXXX and Upstart Network Inc received the letter on XX/XX/XXXX ( USPS tracking # XXXX ). I recently received a letter from Upstart dated XX/XX/XXXX. The letter stated that Upstart did not see a need to investigate my request because I did not provide the necessary information needed to investigate my request. This is a blatant refusal to investigate and a direct violation of the Fair Debt Collection Practices Act.
Product: Payday loan, title loan, personal loan, or advance loan

I did a refinance with independent mortgage to pay off my debt with Avant. XXXX XXXX company sent me a check with Avant on it. I mailed and had it registered. Avant is not acknowledging the check and want to charge me extra. They are already charging XXXX %. So I have {$16000.00} somewhere and can't get my bill paid. Please make them acknowledge they already have the money and quit asking me for more money. 

Checks and money orders need to be made payable to Avant and mailed To : Avant , LLC XXXX XXXX XXXX XXXX XXXX XXXX Please include the following information in the memo field of the check : Account Name : XXXX XXXX XXXX XXXX ID Number : XXXX Your Loan ID Number : XXXX
Product: Credit reporting or other personal consumer reports

Presence of those unauthorized accounts and enquiries made me feel very anxious about my financial health. The credit report needs to be accurate because it tell the world of lenders what we have done with our money management. I, therefore, ask that an immediate investigation and removal of the following inaccuracies and unauthorized accounts/inquiries be done immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

This investigation took more than 30 days and I have not heard a response from the reporting agencies. This item that is on my report is reporting inaccurate information.
Product: Credit card

I made a payment to capitol one and on that same day someone else deposited a check and my credit card payment bounced. 
They closed my credit card and all my credit lines. 
They stole my XXXX points without any warning and won't give me back any of it. 
It had a cash value of XXXX and travel value of XXXX that I saved up for years to go on travel this summer. 
How can they without warning steal all my points and still request they I pay my balance on the card that was worth less then the points they stole from me without any warning. 
I understand they can close the credit line even though it was a genuine mistake but how can they confiscate an asset of mine that I've worked on for years and still want me to pay off my balance that my points would have more then paid off. 
I can't afford this bull. Their must be some accountability for theivery like this! 
Please advise.
Product: Credit card or prepaid card

The issue is causing me significant distress and XXXX to the poinXXXX where I'm having trouble sleeping. I implore you to rectify this as soon as possible. I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault.
Product: Credit reporting or other personal consumer reports

I am enclosing a copy of a questionnaire ( with my social security redacted ) that must be completed and signed under penalty of perjury by the Legal Department. It is also being sent via e-mail and certified mail.
Product: Credit reporting or other personal consumer reports

According to GovInfo, 15 USC 1681a ( p ) of Title 15 of the U.S. Code states that financial institutions that provide negative information to a consumer reporting agency must provide written notice to the customer. 
The Fair Credit Reporting Act ( FCRA ) also states that consumer reporting agencies should exercise fairness, impartiality, and respect for consumer privacy. For example, section 623 ( a ) ( 6 ) of the FCRA requires that any furnisher who learns their information is inaccurate due to identity theft must notify the agencies of the correct information.

15 USC 1681s2 also states that a person should not provide information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. 
I've attached the documents which needs to be removed and viewed properly according to these laws.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to XXXX Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX and Transunion should not be reporting each Inquiry showing on my credit report as a separate line item. ( Please see pages attached from my credit report. ) These multiple inquiries are well within the ( 14 45 ) days that is typically allowed to check different lenders and find the best loans. These inquiries are all of like kind and therefore should only be reporting as ( 1 ) individual line item. They are not separate, individual entities. This reporting of multiple inquiries is seriously harming my credit score and these additional line items need to be removed and report only XXXX XXXX ) inquiry for each. I have contacted the bureaus to fix this however, I have not been successful.
Product: Debt collection

XXXX XXXX is sending/ selling a debt that I do not owe. This collection company did not contact me before placing this debt on my credit reports. I have proof that I do not owe this debt since XXXX XXXX sent me a refund check in the amount of {$93.00} to my current address. This collection company failed the process this attempt to retrieve this debt without notifying me and the collection agency can not say it did not have my current info if the company they purchased the assumed " debt '' had my current address and sent a refund check in the amount listed above.