23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

on XX/XX/XXXX I received a e-mail from National Recovery Agency about a bill In the amount of {$47.00} their ID is XXXX ( copy from the e-mail NRA ID:XXXX Statement Date:XX/XX/XXXX Total Due : {$47.00} ) I replied to their email ( copy of what I e-mailed back ) ( To Whom it May concern : My wife nor I have never ordered anything from The XXXX XXXX XXXX. What i think this is, probably is a bill for My late Father XXXX XXXX. Please provide me with a copy of the original bill so that I can verify That this is the case. I need to see when the order was placed, and where it was shipped to. If this is truly My late fathers bill I will provide you with a death certificate and other important Information.

I was appointed the administrator of his estate and I had his mail forwarded to my address. 

They never responded to my request. Then on XXXX they sent another collection notice. 

More than likely this is a real old bill of my late mothers who passed away in XX/XX/XXXX, My dad passed away in XX/XX/XXXX. The Court ordered that dads estate to be settled and the closed the file and all money was paid out to all known creditors in XX/XX/XXXX.. According to the estate attorney any bill that came in after the date of discharge were void and not collectable. 
With my Dad and I having similar names I have had other problems with this issue of his bills being put on my credit report. I also have mailed them another letter. attached is the first e-mails, the 2nd e-mail and the current letter. 
Thank you for your help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian Credit Agency Alert External party, unauthorized deleted an address on my credit reported. 

Former phone number and address alerts in use ; dark web alert. 

XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Screenshots attached XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

-- - First of all, hello everyone. I deposited a check for {$2500.00} from my salary into my account at the XXXX branch of Bank of America through an ATM on XX/XX/XXXX. The receipt from the ATM indicated a one-week hold period. The next morning, I went to the bank and told them that I couldnt wait a week to cash the check because I had no other money available. Despite this, they told me that it was their policy, and I had to wait. I tried to withdraw the check and close my account, but they said they couldnt give the check back to me and that I had to wait. 

After that, I kept checking the mobile banking app and saw that my deposit was still pending. Today, the status changed from a regular hold to just pending, still showing that the deposit was on hold in the mobile banking app. On XX/XX/XXXX, I received another email stating that my deposit would be available on the XXXX. I went to the bank again and got a chance to speak with the branch manager. I explained my situation, telling him that I needed to pay my rent and that I was living off these salary checks with no other money available. He then told me that the funds would be available in my account on the XXXX. However, the email I received showed the XXXX as the availability date. I called customer service again, and they told me the funds would be available on the XXXX. 

Im being completely humiliated by my own money, by my own check. This banking system is unacceptable. Right now, I dont even have enough money to buy gas for my car. My account balance is {$0.00}. Bank of America has totally left me in a difficult situation. My car is a rental, and the payment is overdue. I couldnt pay my rent. I dont even have money for food right now. Bank of America is a total regret. Anyone considering opening an account or doing business with Bank of America should think twice, or rather, three times. They have a completely garbage system. They even asked for my address to send me a card from the same bank where I opened my account. Despite providing the correct address and confirming with them a second time, they still sent the card to the wrong address. This bank and its employees have put me in a terrible situation. 

If this process drags on any longer, they wont give me my check back. I will initiate all necessary legal actions. As of today, I will likely lose my home and car. Because of Bank of America, I will probably end up on the street. This is unacceptable, and I demand action to be taken. 
XXXX regards
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I did not authorize anyone employed by these companies to make any inquiry and view my credit report. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : List all inquiries the name of the company and the date it was added to your credit report. 
I did not authorize these inquiries XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX DEPARTMENT OF EDU Inquiry : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Inquiry : XXXX XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

A few months ago a collections account appeared on my credit file as " XXXX XXXX DBA XXXX '' .. initially it was for {$300.00} and then it was for {$1200.00} and then it said that I paid {$600.00} of it or {$900.00} and then now it says it's 140 days past due and I have no idea what this thing is. I have sent the company a certified letter to validate the debt and has been over 30 days since they had received it yet the company still continues to negatively impact my credit file reducing it by over 100 points. originally i sent this complaint # XXXX to the cfpb who stated that they referred this to the FTC regulatror . the tracking number for the debt validation letter mailed on XX/XX/23 is XXXX the company did not respond in any way. I have disputed this directly with the 3 CRA 'S and they all said it was verified as accurate??!!!?? as of XX/XX/23 my credit report now says that not only is this account is some how magically 11 months past due but that the original balance was {$1200.00} and that i now only owe {$77.00}. this is blatant fraud it's also it's extortion as well the worst part about this whole thing is that I'm trying to go back to college and this has negatively impacted my credit so much to where I can't even get along my credit report has suffered XXXX points and now just simply removing that for my credit report isn't going to raise my credit report XXXX points and nobody is doing anything about it to help every Federal agency regulatory body and every XXXX XXXX XXXX Credit Reporting Agency it just allowed to get away with anything and I'm sick of it I disputed this with Transunion on XX/XX/23 and again on XX/XX/23 Despite the obvious inaccurate info and proof of this through the inconsistency of the reporting and the company violating FDCPA regulations no less then 3 times and the company failing to respond to a debt validation i sent 100+ days via usps certified mail The credit reporting agency states " Disputed information was verified as accurate '' This only way that they could possibly draw this conclusion is if they NEVER even looked at it and simply rubber stamped it and pushed it through
Product: Payday loan, title loan, personal loan, or advance loan

I went online around XX/XX/year>2024 to look at my pay off for a loan. Per the website my balance was {$930.00} and change. I paid it off. Then I saw more money come out of my account. I called the bank asking when they would return that. The bank informed me that I in fact still owed them money. I informed them that my payoff Is online balance showed {$930.00} and i paid what My balance showed. I argued and ultimately asked for escalation. I was informed a XXXX  would call me. This was in XXXXWe are close to Christmas.No one has ever called me and I want to fight this as I do not owe them anything that citizens bank.
Product: Credit reporting or other personal consumer reports

I've been a victim of Equifax XXXX Data Breach. Recently discovered some account that has been fraudulent acclaim using my personal information. Equifax has knowingly & willfully Section 1681n - Civil liability for willful noncompliance & violated FCRA 1681c-2. Must comply under FCRA Section 605b Blocking information resulting of identity theft. 

Accunt referenced : XXXX XXXX XXXX FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency 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 XXXX business days after the date of receipt by such agency of ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
( b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) of this section ( XXXX ) that the information may be a result of identity theft ; ( XXXX ) that an identity theft report has been filed ; ( XXXX ) that a block has been requested under this section; and ( XXXX ) of the effective dates of the block. 

ACCOUNT REFERENCE : XXXX XXXX XXXX
Product: Credit card or prepaid card

This is a new complaint relating to previous complaint # XXXX. I spoke with a CFPB representative and they advised me to mention that this is not a duplicate complaint and pertains to a new request on my part.The company claims the following : " When you initiated your dispute online on XX/XX/2020, we placed temporary credits for the charges on your account. We then mailed you the enclosed letter dated XX/XX/2020, explaining the next steps while we researched your dispute. 
We received a response from the merchant that included a signed invoice and that services were provided. We mailed this information to you in the enclosed letter dated XX/XX/2020, which explained to continue your dispute we needed additional information by XX/XX/2020. We did not receive a response to our letter. As a result, we considered the charges valid and the disputed amounts would be included on your next statement. We mailed this information to you in the enclosed letter dated XX/XX/2020. You provided additional documentation which explained you received partial services. For this reason, we can not continue your dispute with the merchant. We mailed you the enclosed letters dated XX/XX/2020, and XX/XX/2020, explaining the charges would remain valid. We can not reopen the dispute because too much time has passed. Please work with the merchant directly or seek other options outside the disputes process. '' I only received the letters on XX/XX/XXXX and XX/XX/XXXX. I have requested from Chase that they provide me tracking numbers and copies of the letters sent as I did not receive any of these letters. I only became aware that the merchant had rebilled the dispute on XX/XX/XXXX and due to shortstaffing on the weekends was unable to contact Chase directly about this issue until XX/XX/XXXX. If I had received these letters I would have acted on it immediately as I did when I became aware on the XXXX when using the Chase Visa website and looking at my account. The fact that so much time elapsed with the merchant 's rebilling and my being unaware of it is due to incompetence on the part of Chase and not inactivity on my part. I believe that due to this Chase 's justification that they can not reopen the dispute due to too much time passing is invalid and that the case should be re investigated.
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 Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX and list of Inquiries. 


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, credit repair services, or other personal consumer reports

Hello I sent A Dispute letter to Experian regarding the credit inquires and charge off on my credit report they have done nothing about removing the items that are fraudulent. They I make a dispute and its done in five minutes saying the information is accurate.
Product: Prepaid card

Tried to activate a prepaid card with netSpend, they wanted me to submit paper proof of drivers license, birth certificate and social security card. No other service has ever asked for that when activating a PREPAID card. Then I could n't get a refund, they made the card a one time use, did n't get the fee I paid for the card back just the money I loaded.
Product: Checking or savings account

I had a check stolen from the blue mail box in front of the post office. They whitewashed it and changed the receiver from XXXX and a {$16.00} check to a XXXX XXXX for {$1600.00}. It was than cashed at a XXXX XXXX credit union on XX/XX/XXXX. 
I filed a claim with Citizens Bank. I filed a claim with the XXXX, MI police department. I filed a claim the Post Office. It is soon to be XX/XX/XXXX and I still dont have my money back. 
I speaking with the police, I understand this happens a lot these days. How sad. I have learned to walk into the Post Office and mail checks inside. I also learned to use INDELIBLE ink when writing out checks so they can not be whitewashed.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX XXXX, I filed a dispute with Experian regarding that XXXX XXXX XXXX XXXX had fraudulent balances on my credit report which violate Fair Credit Reporting Act. Experian failed to remove the account on my credit report and inserted a different higher balance on the XXXX XXXX account that I do not owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 5 private student loans with Navient that became active this year. I am an active student working on my masters. I was notified by XXXX this year that 5 of my loans with them have become active for payment. I started a payment plan with XXXX on XX/XX/XXXX. They electronically withdraw their payment each month from my XXXX bank account on or around the XXXX of each month. XXXX is reporting 60, 90, 120 day lates on my credit report for months they have collected their payment. Here are the dates : Credit report shows 60 day late XXXX when {$100.00} payment was made over the phone to stop harassing calls. Credit report shows 90 day late on XXXX when {$220.00} telephone payment was made on XX/XX/XXXX. Credit report shows 120 day late on XX/XX/XXXXwhen auto payment was drafted on XX/XX/XXXX. Credit report shows 120 day late on XXXX when auto payment was drafted on XX/XX/XXXX. I also show 90 and 120 day lates on my credit report in the year XX/XX/XXXXwhen I was an active student at that time and all of my student loans were DEFERRED. Here are those late dates : 90 day late for XXXX, 120 day late for XXXX, 120 day late for XXXX. I have tried calling numerous times and I have been unsuccessful in resolving this urgent issue. I have disputed these late payments with the credit bureaus and each time XXXX responds with no changes made. I have sent written request via registered mail to XXXX asking for this payment history to be corrected, and again they have not responded. I have emailed their complaint department and again, no response from XXXX. I have depleted all of my options and I am very frustrated. XXXX is hurting my credit and scores tremendously when they are collecting their timely payment each time. How can I possibly be late when they collect their money each month? I have proof of payment by providing a Bank statement for each month they claim the payment is late.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

In accordance with the Fair Credit Reporting XXXX XXXX XXXX Account 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
Product: Credit card or prepaid card

I have reached out to discover already. I got a email once I filed the complaint with u the first time. They said the were going to remove it from my credit report but they never did. And as stated to the credit bureaus. Discover practice unethical measures with reporting negative info on consumers files. I filled a police report & identity theft report with the FTC so this account could be blocked from my credit per section 605B of the FCRA. It gets removed then they come back and says we have identifying info for the account so XXXX puts it back on. However when u ask for proof of yr signature or u applied .They never provide any. & XXXX is letting this happen.
Product: Mortgage

I have a mortgage at US Bank, so when my home was damaged by a fire, my insurance company sent the money for repairs to the bank. There were no problems with an initial payout to the contractor, but now the work is almost finished and a final inspection is required by the bank before they will release the remainder of the contractors money. I requested that inspection on XX/XX/XXXX. The banks process says I will be contacted in 8 days. I waited the 8 days and was not contacted for the inspection. Now Im calling the bank every day and still no inspector has called. The office people have been polite, but they arent getting this taken care of, and arent letting me escalate my problem to anyone else who might get this going. Im under tremendous pressure from the contractor who needs his money to finish, but I have nothing but were so sorry from the bank.
Product: Credit reporting or other personal consumer reports

My report inaccurately lists inquiries not authorized by me per 15 USC 16c-2. Please remove these hard inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

Approximately four or five mos ago attempted to order my annual credit report from all three agencies online as has been done w/o problem in years past. I couldnt get access online and was prompted to try via phone. I thought they were successfully ordered but apparently they werent or they hit a hiccup. Revisited the site and got the form to mail in, that was approx three mos ago. I heard back from XXXX  only, requesting a bunch of prove-you-are-you data. XXXX phone was answered by someone I couldve imagined running drugs as a second job. I can get an outline of a current report via an online credit /identity monitoring service but this isnt what Im used to and whats going on in this pit of darkness? I dont believe they have to worry too much about lawsuits ( because corporations are people and the individual is lesser than a person ) so what appears to be hypercaution may not be so which is concerning.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and XXXX keep adding balances and subtracting balances from my accounts. This is adversely affecting my credit score! I am in the middle of financing and their frequent updates are detrimental to this process. First of all they do n't have my correct contact information and I was not able to be notified in XXXX and XXXX. I fax information over to them about my forbearance and I was told that it was never received. I have copies of my fax receipt were it was sent over. Several late payment was placed on my account because of this.
Product: Credit reporting or other personal consumer reports

All XXXX credit cards are ok with deleting and Experian is giving me pushback by demanding what I've already uploaded to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a complaint against Equifax because they are refusing to remove accounts that are more than 7 years old from my credit report. The companies are reporting the incorrect initial delinquency date. XXXX and XXXX XXXX XXXX accounts are reporting the incorrect delinquency date of XXXX. This is NOT the initial delinquency date. Equifax has destroyed my credit by reporting this incorrect information. They have closed out my complaint and my dispute. They are not reviewing my documentation proving the initial delinquency date of XXXX. It is the responsibility of the Credit agency to INVESTIGATE whether companies are reporting the correct information. It is their responsibility to refuse incorrect information. This needs to be corrected IMMEDIATLY! REMOVE these accounts from my credit!
Product: Credit reporting or other personal consumer reports

Upon review of my credit report I noticed multiple inquiries that were not authorized by me. I have included the fraudulent inquiries below as well as my Identity theft report XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX
Product: Checking or savings account

In XXXX  I came home and my bank account with current bank had suffered from fraud ( unauthorized transactions ) by the time they caught the fraud it had a remaining balance of XXXX when I talked to the representative about the refund check that was supposed to be sent I informed her that my address had changed because I was the victim of theft fraud assault and more. She sent my check to the unsecured address anyway and the check was stolen ( no surprise there ) not only can I no longer bank with current but they refuse to issue another check.
Product: Debt collection

I noticed that there was a charge off collection added onto my account that i havent done. I contacted the business but was unable to anyone who could help me.