23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Please know that the complaint with MCCARTHY, BURGESS & WOLFF , INC. complaint XXXX has not been not resolved. They have not cancelled my account and the phone calls continue. MB & W have contacted me twice since the case was closed on XX/XX/XXXX. 

On XX/XX/XXXX, MB & W called me at home and left a message to contact them. 

On XX/XX/, @ XXXX I received a call from XXXX XXXX XXXX XXXX XXXX XXXX from McCarthy , Burgess & Wolf , harassing me and stating that XXXX  XXXX XXXX has declined both payments for {$30.00} and {$110.00} which is not true. She said that MB & W must now focus on the whole amount for {$690.00} and is requesting full payment. I tried to explain to her that per my claim with FTC Consumer Financial Bureau the account with MB & W was cancelled. But she rudely and abrutely stated that she " will make a note on the account of my refusal to pay and then she abruptly hung-up the phone. 

Afterwhich, I once again contacted XXXX and spoke with Representative XXXX from Pennsylvania who stated that no attempts were made under my account for either amount. She said that if the information that the company put in is incorrect such as the routing number or the payment amount is different then the payment will be declined. 

Therefore, I humble request that you please look into this issue again? Thank you in advance for your attention to this matter.
Product: Debt collection

Recently, I had my credit pulled and was alerted to a balance owed on a closed BMW lease from 2019 which surprised me as you met the terms of your lease and the vehicle was turned over in pristine condition. 

I have received no notification from BMW via USPS mail or phone call to alert me of any balances owed or issues with the vehicle. Had I not requested my credit to be pulled, I would have never seen this or been made aware and it could have negatively affected my credit score.
Product: Credit reporting or other personal consumer reports

Experian credit info Sent Valiadation of current address and they still have old address on there
Product: Checking or savings account

Since early XXXX, my wife and I tried numerously times to use our jointly owned checking account debit cards to make about {$4000.00} purchase at XXXX. When it was first declined due to a block, I called and was told, after verification, the block has been removed. So I went back to use the card and was surprised it was blocked again. Next time, I called ahead of time before heading to XXXX and I was told the purchase has been noted and it will go through. It was declined again. So I have to call and get it unblocked. This cycle went on for many many times and so far, I still can not use the card. Each and everytime I try to use it at XXXX or XXXX, I got declined due to temp block. I communicated numerously times with customer service. Each call take about 15 minutes. Was assured it would work but only to find out it is declined again when I try to use it. I think the bank is purposely holding my money without letting me have access to my money and that doesn't sound right. I demand an investigation.
Product: Debt collection

Received phone call from XXXX indicated they were process server attempting to serve after failed attempt. Advised me to call XXXX and gave me case number. Called and they advised about a 2012 debt for Bank of America card for XXXX. When advised never had that card and never received any written notification, they asked me to take care of debt over phone or process server would be to our home in next half hour. 

When said needed in writing again, hung up. Called back asked for their address and became hostile. Then advised would transfer to first person spoke with and never connected. 

The first call was answered as XXXX and XXXX. Then second call was a rep in legal department it said.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX Account # XXXX This letter is formal notice that you have failed to respond to my dispute letter of XXXX. I sent this letter certified mail and have enclosed a copy of the return receipt which says you received it. Federal law requires you to respond within 30 days. 

It has now been over that period since your receipt of my letter. As you are no doubt aware, failure to comply with federal regulations by credit reporting agencies are in serious violation of the Fair Credit Reporting Act and may be investigated by the FTC.

I have been maintaining detailed records of all my correspondence with you. You may have misplaced my letters or have failed to respond to my letter because of an oversight due to the high volume of the requests you receive daily. If this is the case, I'm sure you'll want to handle this matter as soon as possible. For this purpose, I have included a copy of my original request, the dated receipt of your reception of the original letter and a copy of the proof verifying the incorrectness of the credit item you have mistakenly placed on my records.

The following information therefore needs to be DELETED from the report as soon as possible : XXXX XXXX XXXX XXXX Account # XXXX Please delete this erroneous item from my credit report as soon as possible. I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX I XXXX Presume that no proof of the alleged Debt, nor therefore any such debt in fact exists.
Product: Checking or savings account

My bank account was compromised yesterday I called chase bank and they told my replacement debit card that I havent even gotten yet was compromised and they they cancelled It and will ship another one in 2 days and apply a temporary credit of the amount taken within 12 hours that never happened and they charged me 5 bucks for the replacement without telling me when I tried to call everybody is being rude and transferring me around and hanging up and refuse to fix the problem!
Product: Checking or savings account

On XX/XX/XXXX I upgraded my old phone and mobile carrier ( XXXX XXXX XXXX XXXX XXXX  phone- ( XXXX ) XXXX ) to a new phone with a new mobile carrier ( XXXX XXXX XXXX ( XXXX ) XXXX ). I reported my new telephone number to Bank of America ( hereinafter BofA ) on XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX. I explained extensively to BofA via phone, and, at my local BofA branch-at the insisting of the BofA phone customer service representatives, whom claim, your contact info can not be upgraded and as a result your BofA online banking services are locked indefinitely. Bank of America has refused to update my new telephone number and is locking me out of their BofA Mobile Online Banking App. BofA has, subsequently to my civil procedure communication with them, ( BofA ) insisted, and insists, that I go to my local branch with my identification to see local branch agent ( s ) whom will then contact other BofA customer service representatives elsewhere to validate my identification, so that I can gain temporary special access to my BofA online banking featuresat my local branch only. I have important automatic bill payments and one time monthly bill payments to schedule and manage regularly and need to regain access to my BofA Mobile banking App to receive important security alerts and two-step verification codes via text or email whenever I log-in to my BofA mobile banking App like I was doing before I upgraded said old phone to said new phone. I even requested to BofA to change my text 2-Step verification codes to email 2-verification codes, and BofA denied my request and continues to refuse to update my new telephone number for online banking purpose. I have filed other complaints against BofA for other wantonly malicious torts BofA has perpetrated against me, before. This is my fourth complaint I file against BofA and the XXXX  different intentional tort BofA has wantonly maliciously perpetrated against me. I have been keeping a meticulous banking responsibility with BofA for XXXX years to date living on a [ earned income entitlement ] XXXX XXXX Social Security XXXX Income, and I have [ verbally ] repeatedly asked Bank of America to cease and desist their harassments and infliction of emotional distress against me. I am requesting that my telephone number be updated immediately, so that I can keep a vigilant safety management of my checking account security with Bank of America via their online banking mobile app. Thank you for timely addressing this very important legal matter that is in accordance with my legal rights, per the United States Code of Federal Regulations.
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 Account number:XXXX Account name : XXXX XXXX XXXX Account number:XXXX  Account name : XXXX/XXXX  Account XXXX Account name : XXXX XXXX Account number:XXXX Account name : XXXX  XXXX Account number:XXXX Account name : XXXX/XXXX  Account number:XXXX  has violated my rights. Or 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: Debt collection

This issue is with Capital One Auto Loans. Their collection dept has called me numerous times about a past due auto payment on a XXXX XXXX XXXX. I have never had a Capital One auto loan nor have co-signed for one. They claim the borrower lives in Florida. I have never lived in Florida. They call me at all hours. Dont know if this is identity fraud or their jump to conclusions that all named XXXX XXXX must be their borrower.
Product: Debt collection

I have received dozens of phone calls in the past year, and an email today ( XX/XX/year> ) from Halstead Financial stating that I am in collections for debt. I have confirmed that I am not in collections and that the account information is not related to any accounts in my financial history. I have called the company twice and have confirmed that they do not have the correct person. Halstead Financial provided the DOB, last four numbers of the social, and a home address and asked me to confirm if that is my identification information. I have told them twice that the information they have provided does not match me and have requested that they stop contacting me. Halstead Financial representatives have said that they will remove my contact information. I am still receiving phone calls and email communications from the company regarding debt that does not belong to me.
Product: Debt collection

From XXXX - XXXX, XXXX, I was living at a temporary address while my house was being built. I have always used my XXXX XXXX XXXX for all cards, bills, utilities, etc. I would never use the temp address. Having said that, I never checked the mail. When I moved out, the landlord handed me some mail with a debt to XXXX XXXX XXXX for {$1500.00}, at XXXX XXXX XXXX XXXX XXXX. I had no idea what this was about and ignored it. I've never opened an account with XXXX XXXX XXXX. I've never purchased products in their store ; I've never used their TV or internet service and they've never been my carrier, except when I worked for XXXX. But that was paid for and all my phones were provided by the company as a perk/benefit. 

What's troubling is that I worked for XXXX XXXX XXXX and left there in XX/XX/XXXX. I still receive retirement info from XXXX XXXX XXXX. 

Credence Resource Management started hounded me to collect the debt. For the last year, I've just been avoiding them because it's a scam. They call me every month, several times. They never leave a message. They do not have my XXXX XXXX XXXX nor do they have my current address. 

XXXX was opened in XXXX of XXXX, which is odd, because I've been living at my current address since XXXX. My carrier is XXXX. My TV/Internet is XXXX or XXXX XXXX. I do not buy XXXX XXXX XXXX  products. They've never been my carrier, since I left the company. 

At one time, I received a letter while working at XXXX XXXX XXXX that our SSNo.s were hacked by an HR employee who lost their XXXX, They sent us the free credit tacking, etc., which I never took advantage of and that was so long ago. Could they have sold the info later? 

Also, I used a home network at the XXXXXXXX XXXX. I wonder how secure it was... 

Credence says my account no. was XXXX. Opened XX/XX/XXXX, for {$1500.00}. I have no idea was this is about. It must be identity theft. I have no other explanation.
Product: Credit card

I came across an offer from Bank of America for a credit card with low balance transfer rate so I decided to sign up for one on XX/XX/2024. I was approved that same day. 

When I sign into my new credit card account, balance transfer isn't available to use, and system keeps telling me to contact the customer service. Fast forward the next few days, I received a notice saying that my new account is completely restricted for unknown reason, it just gave me a number to call. I reached out to BoFA, the rep didn't provide much help except he said the system doesn't even let him do anything or verify me using my phone number and it's a mess. This incompetence from BoFA now requires me to travel 30 miles away to a branch to see someone in their office to get my credit card unlocked. It is a hassle because their service hours are between 8-5 and those days I can't take off work to get their problem resolved for my account. I asked the rep to just cancel my application then but he refused. BoFA is playing with my credit and keeping it XXXX. Either unlock my credit card account and let me use the balance transfer as advertised or cancel it and revert the impact on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

My loan payments were always sent on time. I keep explaining this to Experian but they keep on saying that the accounts are accurately reported and they have verified it..The accounts were not reported correctly and I would like it fixed! Please CFPB step up and correct the status because I was never late on my XXXX  XXXX XXXX  XXXX XXXX, and XXXX XXXX
Product: Debt collection

This is in regard to an XXXX  sale of {$1600.00} involving two large speakers. Payment was made in full on XX/XX/2019 with Buyer arranging payment through XXXX. XXXX released funds to me after the mandatory hold on XX/XX/2019. Two months later, on or about XX/XX/2019, XXXX notified me of a dispute with Buyer and asked for documentation to assist in resolving the Buyer 's issue ; documentation was sent immediately. On XX/XX/2019 XXXX notified me of decision by Buyers bank to reverse the purchase charge, demanding I add funds to my XXXX account to resolve the negative balance. 

Buyer refuses to return merchandise claiming speakers were not as advertised. They were. Photos taken before the sale ( at Buyer 's request ) and after were sent to Buyer XXXX and later, XXXX ). Buyer first filed a claim with XXXX claiming speakers were damaged in shipment ; the claim was denied ; the Buyer then filed a claim with XXXX, which was denied ( Buyer refused to return speakers ).  Subsequently Buyer contacted his bank/credit card company and was ultimately successful by making a false claim as to their condition XXXX will not release any transaction details ( Buyer 's bank or credit card company, correspondence between XXXX and Buyer 's bank or credit card company ). XXXX 's Resolution Dispute Department in woefully inadequate, unavailable and not interested in customer satisfaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am having trouble removing a fraud alert that was put on XXXX. I called XXXX on XX/XX/2019 and spoke to " XXXX '' she stated that she was a supervisor. I requested the fraud alert to be removed. She stated that she was successful in removing the fraud alert. 
On XX/XX/2019 I received a notice from XXXX they stated " at my request they have added an extended alert to the credit report and that it would remain on my file for 7 seven years. 
I called XXXX  XX/XX/19 and spoke with XXXX XXXX he stated that XXXX told them to add the fraud alert again on XX/XX/2019. My file number for the removal for XXXX XX/XX/2019 is XXXX. I requested he send me a letter stating that it has been removed he refused. 
I called XXXX  on XX/XX/2019 the confirmation number is XXXX. Received a letter from Experian XX/XX/2019 that they added and extended fraud alert for 7 more years
Product: Credit card

On XX/XX/2022 I disputed a charge due to being mistreated and abused by a company XXXX XXXX and XXXX  XXXX in XXXX Az As per credit card company I disputed the charge every 60 days for the next XXXX  months the card is with Synchrony Bank Care Credit division Besides the Care Credit Synchrony Bank also handles The XXXX card During this time period I also applied for a XXXX XXXX card and a XXXX card both through Synchrony Bank as well I was approved for all XXXX cards My Care Credit card with an XXXX  year impeccable payment history credit limit was dropped then closed My XXXX  card was then closed I never used XXXX closed it right after I was approved and then after XXXX purchase with XXXX XXXX paid it off and then closed it These events all took place during my initial dispute of {$250.00}. Going back and forth with the 60 day disputes explaining over and over regardless about the service payment agreement due to the circumstances and the company XXXX XXXX is very aware of my complaints which I haven't been able to do anything about either. Being mistreated and I mean being over anesthisized when I specifically asked not to be, the XXXX changed his mind while I was in the chair as to which tooth to do procedure on, no emergency after hour return call, XXXX XXXX, broken tooth and to top it off an XXXX week XXXX. Then lied in reports of the ongoing that day I was forbidden to seek help from their offices, they lied about my psychiatric service dog, called law enforcement on me accused me of harrassment and and all over {$250.00} that neither company is willing to let go and now Synchrony Bank has informed me and called me credit unworthy and that XXXX will no longer be issuing me a card through that part of Synchrony Bank as well
Product: Credit card

I was never late on the pay off accounts above please show me documentation of proof of transaction on all my credit card accounts showing that I was ever late to show in accurate reporting data on my accounts. If you cant provide all this information, if you can support this please still delete all alleged late payments from all three credit bureau reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok incomeXXXX Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than XXXX times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

Account Name : XXXX XXXX XXXX  Account Number : XXXX - BALANCE {$19000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

See attached and : XXXX XXXX Dear Rep, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. 

My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : XXXX. XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX. OneMain  - XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX XXXX. XXXX  - XX/XX/XXXX, XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX - XX/XX/XXXX You are required to do what I am asking and block/ delete these transactions from being reported to my consumer report within 4 days according to the law. 

Thank you.