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

Here is the letter I wrote to Bank of America that explains the issue. Today, XX/XX/XXXX, I was again denied any relief from the nine overdraft fees due to family hardship : XX/XX/XXXX Dear Bank of America, I just got off the phone with Customer Service Supervisor XXXX, id number XXXX. He refused to refund any of the nine overdraft fees ( {$310.00} ) we incurred during a recent family crisis. The fees were charged on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I found him particularly unsympathetic and unempathetic. I was in Minnesota with a mental health crisis involving my daughter and was completely distracted regarding personal finances. I was surprised that not even one of these nine fees could be refunded, particularly as in recent years I have found BoA to be willing to help us out and assist with fees. He referenced the numerous recent fees that the account has incurred and recent fee refunds BofA has provided. With the overdraft protection that we have, my research comes up with the followingfee refunds in the past two years : ( Image here of a total of {$250.00} in fee refunds XX/XX/XXXX-XX/XX/XXXX. ) A total of {$250.00} in two years hardly seems excessive. I would ask that this situation be reconsidered and that some if all of the fees are refunded to provide us a small bit of financial relief in these difficult times. 
Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX
Product: Credit reporting

I have disputed this account with the Credit Bureaus as well as Credit Bureau of Jonesboro Collection. I disputed this account with this company on 2 occasions ( see attached letters certified return receipt documents ) and on each occasion, they were unable to provide me a summary of all account activities, payments made, copies of charge slips, invoices, copies of documents sent to me regarding my account and any papers that bear my original signature that reflect that I agreed to pay what they say I owe. See attached letter I sent them as recent as XX/XX/XXXX of this year responding again to their letter and seeking validation of the accounts they were listing on my credit report. I have never heard of this company nor have I ever did business with them. I have never signed any contracts nor had any obligation to them. This item is not 100 % accurate, the statute of limitations has expired and it is not verifiable ; therefore, these items should be deleted from my report immediately.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX. XXXX XXXX XXXX XXXX XXXX - Account number : XXXX XXXX. XXXX XXXX XXXXXXXX - Account number : XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting 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 : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 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 XXXX 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: Debt collection

VALIDATION AND CEASE AND DESIST To whom it may concern, I received a debt collection letter from you. Do you have the right person? Can you supply me with a contract or agreement signed with your company or the Creditor? PURSUANT TO THE EDCPA, I WOULD LIKE THE FOLLOWING PROVIDED : THE NAME AND ADDRESS OF THE ORIGINAL AND CURRENT CREDITOR VERIFICATION OF THE DEBT AMOUNT THAT YOU ARE SEEKING TO COLLECT SHOWING THAT A CONTRACT EXISTS CREATE THE AMOUNT THAT YOU CLAIM IS OWED. ALL THE ASSIGNMENTS SHOWING THE DEBT TRANSFER FROM THE ORIGINAL CREDITOR TO THE CURRENT CREDITOR PLEASE PROVIDE ME WITH PROOF THE DEBT WAS SECURITIZED BY THE ORIGINAL CREDITOR PLEASE SHOW THE ASSIGNMENTS OF THE DEBT FROM THE ORIGINAL CREDITOR TO THE SECURED TRUST AND THEN BACK TO THE ORIGINAL CREDITOR PLEASE CEASE AND DESIST FROM COLLECTING ON THIS DEBT UNTIL YOU HAVE VALIDATED THE DEBT. debt Please do XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  you have reported this debt. PERMISSABLE PURPOSE Please State why you have a permissible purpose to contact my credit. I dispute IFYOURASS THS ON TO ANOTHER COLLECTOR I dispute I owe this debt to you. If you pass this on to another debt collector, please provide them notice of my dispute to owing this debt. Thank you for your immediate cooperation.
Product: Credit reporting

Bought a car in XX/XX/XXXX, totaled it drying ice storm ... On XX/XX/XXXX, my insurance company paid the balance and the account was satisfied. 

XX/XX/XXXX, I saw the account as, 'Account paid in full, was repossession '. At that time I called the lender, XXXX XXXX, and they assured me they had n't submitted any repossession. In fact, I was never late. I 've disputed this over almost XXXX years ... Multiple times. Nothing has changed. 

The damage and cost to my life/lifestyle is irreversible ... I do n't know if you could calculate the cost? 

It 's a gross fault of the credit report bureaus ... And their obvious lack of due diligence. I have finally received a letter from the owner explaining the error on the credit bureaus side. 
I did n't know I had any other rights or avenues ... But, I 'm XXXX ... And sick of being judged by a corrupt system. 

I have never abused credit, as many do. Yet, I ca n't get credit. 

From the owner, XXXX XXXX, XXXX '' I 'm unsure if this helps but a lot of times when there is a situation like this, places that are looking at to give you credit will call us direct or will accept a letter from us showing the proper rating to override the incorrect one on the bureau. If this will be of any help please let us know and we will gladly help. " Please help! 

Best regards, XXXX XXXX
Product: Debt collection

Paragon Subrogation Services send us a letter a year ago, claiming that we owed insurance money for a tree that had fallen on a neighbour 's property, threatening with legal action, and alleging that they had provided us earlier notices. I called them to inform them that at that point we had no longer owed the property in question. They sent us an identical letter 2 weeks ago. When I called them again, the person allegedly handling the claim had no information about it other than saying again that it was due to a fallen tree. When I told her that the property was not ours on the date of the alleged claim, she went silent and hung up.
Product: Vehicle loan or lease

I was exploring auto loan options with Chase Auto to buy out my wifes lease. I requested a preliminary rate without a hard pull and chase went directly to a final rate with a hard pull I did not consent to. Additionally, my wife was not on the loan so I cant even use the loan they approved for me and I cant add her after. When I requested this hard pull be removed Chase stated it was buried in the fine print of the disclosures that were vague. Most loans have a clear warning prior to a hard pull. I reached out to Chase auto and they said they will not remove it.
Product: Credit card

On XX/XX/2024, I tried to purchase two items from For XXXX XXXX in XXXX, AL using my XXXX XXXX card. However, the clerk informed me that it didn't process and asked me to swipe it again. I tried swiping my card twice more, but it didn't work. So, I switched to my Belk MasterCard, but I was again instructed to swipe it twice, and it still didn't work. The clerk then said that there might be an issue with the register. I immediately contacted both XXXX XXXX and Belk to report the problem. XXXX XXXX told me to wait for at least three days before filing a dispute, while Belk informed me that I needed to file a written dispute. 

On XX/XX/2024, I submitted a document explaining the situation along with copies of the duplicate purchases from both XXXX XXXX and Belk. On XX/XX/2024, I contacted Belk to get an update, but they had no record of the documents I uploaded, so I sent them again. I was informed that it would take approximately 60 days before a decision would be made. 

Today, on XX/XX/2024, I received a letter from Belk denying my dispute.
Product: Credit card

Sat. XX/XX/year> approximately XXXXXXXX XXXX  Store purchase approximately {$33.00} Store interest approximately {$280.00}, XXXX days late according to XXXX XXXX  XXXX XXXX XXXX reached out to The XXXX XXXX XXXX XXXX company to get the account number so that I could review, update and pay on the account of the credit card. 

The company 's rep named XXXX did not and would not provide me with the account number even after verifying my identity. He was rude and very disrespectful in a way of filling like his power had authority to put me back in my place. 

He consistently talked all over XXXX XXXX of me only calling to get the account number even throwing in jabs about a previous account from a different store that was paid off and not in question. 

He even bought up my payment info that was on file and attached to the account, stating that he could easily take a payment and apply it now while trying to make me feel stupid for asking for my account number. 

He wanted me to argue with him, I hung up the phone. 

Conclusion : I didn't get the account number to pay online, the account is in collections and I just don't want to deal with that company at all if you have to fight anytime you want to do good.
Product: Credit card

Noticed a credit card with bank of America on my XXXX account under my name. I've never owned or tried to open an account with bank of America
Product: Credit reporting or other personal consumer reports

Complaint Regarding Credit Report Inaccuracies Dear CFPB, I am writing to file a complaint regarding inaccurate information on my credit report. I have been actively disputing these inaccuracies with the credit bureaus, but they have failed to adequately investigate my claims or remove the incorrect information. In accordance with the Fair Credit Reporting Act. I attached the PDF file below containing the list of items that have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Credit Bureau stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify or delete accounts that aren't reporting correctly.

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. 

I also believe that the credit bureaus have violated the Fair Credit Reporting Act ( FCRA ) by failing to : 1. Investigate my disputes in a timely and reasonable manner : The credit bureaus have not provided a clear explanation for their decision not to remove the inaccurate information, and I believe their investigation was inadequate.

2. Furnish accurate information to creditors : The inaccurate information on my credit report is harming my ability to obtain credit and other financial services. 

XXXX. Follow the FCRA 's dispute resolution procedures : The credit bureaus have failed to comply with the timeframes and procedures outlined in the FCRA. 

I am requesting that the CFPB investigate my complaint and take the following actions : 1. Order the credit bureaus to remove the inaccurate information from my credit report. 

2. Require the credit bureaus to provide me with a copy of my updated credit report reflecting the changes. 

Enclosures : Copies of my credit reports Copies of my dispute letters Copies of any supporting documentation I provided to the credit bureaus
Product: Credit reporting or other personal consumer reports

Dear Possible Financial Inc you guyss aree reporting to the Credit bureaus that I have a charge off and Collection with you guys on XXXX and just a charge off on XXXX. None of these show on my XXXX Credit Report. I know this could be a minor mistake on you guys end I see you guys already HAVE 192 complaints about credit reporting already from XXXX. 
Im unaware of this debt I didnt have I didnt have an opportunity to dispute this information if in fact you believe you gave me proper notification then please send me the certify mail receipt with my signature on it. Also can you guys let me know your ways of verifying this my debt. 
Account number : XXXX
Product: Debt collection

I request the urgent blocking and removal of unauthorized accounts on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Starting XX/XX/XXXX, out of nowhere my federal student loan started showing as delinquent while we were under a national covid-19 pandemic. Federal student loans are suppose to be in forbearance and protected from wrong reporting and collection activities. I reached out to my student loan servicer Navient & they informed me that the account payment information will be corrected, they also advised me to reach out the all credit bureaus. It's been months and my credit reports still show delinquent payments from XX/XX/XXXX to XX/XX/XXXX.
Product: Student loan

I am filing a complaint against Sallie Mae regarding my private student loan. In XXXX, my parents took out a private loan through Sallie Mae. During the phone application process, we were not informed that the loan was set to an in-school payment plan. As a college student at the time, I was unable to make the XXXX XXXX monthly payments. 

In XXXX, my mother was XXXX XXXX XXXXXXXX XXXX, and Ive communicated this hardship to Sallie Mae. Despite my situation, I still can not afford to pay this loan on top of other expenses like gas, rent, and school-related fees. Sallie Mae told me that if I could bring my account current, I could apply for a school deferment. In an attempt to resolve the issue, I paid {$600.00} ( all of my savings, which was more than my rent ), only for Sallie Mae to later state I was ineligible for deferment due to the loan status from two years ago.

The agent on the phone had selected the in-school payment plan, which I do not understand. This situation is severely impacting my family 's credit and causing significant emotional distress to my mother, who is XXXX XXXXXXXX. Sallie Mae has been unhelpful and dismissive in resolving this ongoing issue. 

I respectfully request your assistance in investigating this matter and helping to find a resolution.
Product: Debt collection

First, I never signed a contract or owe any money to portfolio Recovery Associates, I have no knowledge of this company other then what has fraudulently been reported on my credit report. In further investigation of this case it appears that they attempted to sue me in a county that first I did not live in nor did I live in it during the time of the original debt. Also the address that they attempted to use as my address was not even a relative of mine. I was never properly notified of any hearings, and even if I had been notified of a hearing the county that they filed had no jurisdiction over the case at hand.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capitol One was hacked, both the press and the TV national and local have said that over l00 million customers from Capitol One Bank has been hacked, with over l00 million social security numbers taken improperly. 

I have a charge card, checking and savings account with them. 

Attempts to resolve this issue with them have been fruitless. 

I called the Charge card XXXX number on XXXX, and my first complaint is with their phone system. It refused to accept the last four digits of my credit card, then refused to accept the whole l6 digits of my credit card which is current. ( Have I been hacked already? ) After a l5 minute wait in which I kept waiting for a representative, I believe an XXXX customer service rep came on the line. This was a gentleman who went by the name of XXXX, ID # XXXX, who then proceded to lie to me, stating this only covers people who apply for credit cards, not current customers. I told him that this was a lie, over l00 million people have not applied for credit cards with Cap One in the last six months, and and asked to speak to his manager/supervisor, this request was denied, so I hung up. 

I then called the Checking/Savings Customer Service line and this time a gentleman named XXXX gave me much better information and really tried to help me. His ID # is # XXXX. However, he is getting the same information from Cap One, that only credit card applicants would be hacked, if anybody. 

I then asked for what remedies are available such as ID Theft Protection, Credit Monitoring, and which credit agency that Cap One deals with. He was helpful, but did try and help me to the best of his ability. 
The credit card numbers end in XXXX. 
The checking account ends in XXXX The savings account ends in XXXX Capitol One has NOT contacted me yet via phone, email, or mail, and per the press releases have known about it since XXXX. 

Help please
Product: Credit reporting or other personal consumer reports

XXXX, equifax and XXXX failed to provide factual documents about these accounts on my personal account XXXX -Address of XXXX XXXX XXXX XXXX XXXX, NY XXXX Failed to provide factual information about XXXX XXXX account # XXXX -inquiry from XXXX XXXXXXXX when there is no credit card on my file from them XXXX -address of XXXX XXXX XXXX XXXX, FL XXXX Equifax -address of XXXX XXXX XXXX XXXX XXXX FL XXXX -Failed to provide factual information about XXXX account # XXXX -inquiry from XXXX XXXX XXXX  XX/XX/23 -inquiry from XXXX XX/XX/23
Product: Credit reporting, credit repair services, or other personal consumer reports

Account XXXX ( via XXXX XXXX ) was added onto my credit report without my knowledge in XX/XX/2018. I contacted Transunion via certified mailed receipts. After investigating I was told that this account was verified and to contact XXXX XXXX. I have no knowledge of this account nor XXXX XXXX. I contacted XXXX XXXX via certified mailed receipts and havent received any paperwork or information regarding this account. Per the Fair Credit Reporting Act, Transunion is to provide me with information and physical verification, which I havent received to investigate further. To date, this account is still on my credit report and I have not been provided any information nor has this account been properly further investigated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my ( XXXX, Equifax, or XXXX ) credit report, and I noticed some Collections reported on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Your company is in clear violation of the law. Under IS USC 1681C-2- Block of information resulting in identity theft. THE LAW CLEARY STATES " BLOCK Except as otherwise provided in this section, a consumer reporting agencies shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer : ( 2 ) a copy of an identity theft report : ( 3 ) the identification of such information by the consumer and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

Nowhere in this LAW it states that I have to provide you with any police report. This is clearly a stall tactic and going against my human rights.