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

I hope this letter finds you in good health. I am writing to bring to your attention a concerning issue regarding an unauthorized account that was opened under my name with Bank of America. I have made repeated attempts to resolve this matter with the bank directly, but unfortunately, I have not received a satisfactory resolution. 
I discovered that an account had been opened under my name without my knowledge or consent. I immediately contacted Bank of America to report the unauthorized account and to request its closure. While I was assured that the account was closed, I am still facing ongoing issues due to the reporting of suspected fraud associated with this account. 
I wish to emphasize that I had no involvement whatsoever in the opening or operation of this account. The account was opened without my knowledge or consent, and I have never provided any personal information or electronic signature for this purpose. The bank 's assertion that my electronic signature is linked to this account is deeply concerning, as electronic signatures can easily be fabricated by unauthorized individuals. 
Despite my repeated attempts to clarify the situation and provide evidence of my innocence, I have faced challenges in having this matter resolved. The reporting of suspected fraud on an account that I had no involvement in is damaging to my financial reputation and security. I am deeply troubled by the fact that the only evidence the bank has presented is an electronic signature, which, as mentioned earlier, is not a valid basis for maintaining this record. 
I kindly request your intervention in this matter to ensure that the fraudulent account is unlinked from my name and that any reporting of suspected fraud is removed from my records. I believe that this situation not only affects my financial standing but also highlights a vulnerability in the system that allows unauthorized accounts to be opened and wrongfully attributed to innocent individuals. 
I appreciate the work of the Consumer Financial Protection Bureau in safeguarding consumers ' rights and interests. I hope that you can assist me in resolving this issue and restoring my financial well-being. Enclosed with this letter are copies of documents that support my claim of unauthorized account activity. 
Thank you for your attention to this matter. I eagerly await your response and hope for a swift resolution to this distressing situation.
Product: Debt collection

This charge was part of my bankruptcy and debt collector was notified several times in the last several year but continues to transfer collection and restart on my credit it should be recognized and removed per my bankruptcy per federal court ruling. 
This is the only negative mark on my credit and I have been trying to remove consistently from my record. This was removed from XXXX but not XXXX system. 
Thank you, XXXX XXXX
Product: Bank account or service

I HAD A ACCOUNT WITH USAA MY ACCOUNT WAS COMPROMISED BY A 3 RD PARTY XXXX. I WAS TRYING TO GET A LOAN WITH THEM. I HAD TO GIVE THEM MY INFORMATION TO VERIFY MY ACCOUNT, THEY PUT IN XXXX DOLLARS IN MY ACCOUNT AND USAA PUT THAT MONEY ON HOLD. WHEN I CONTACTED THE FRAUD DEPARTMENT THEY REMOVED ME FROM SEEING ACCOUNT SO THEY CAN FIX IT AND CORRECT NOW THEY GIVE THAT MONEY THAT WAS ON HOLD BACK TO XXXX XXXX AND CHARGE OFF MY ACCOUNT XXXX DOLLARS. THAT MONEY ON HOLD SHOULD HAVE CLEARS UP ACCOUNT TO XXXX BALANCE. PLEASE MAKE THEM DO THERE JOB AND CLEAR THIS ACCOUNT UP.
Product: Credit card or prepaid card

I paid my XXXX XXXXXXXX ( XXXX XXXX ) credit card bill on XX/XX/2018 via XXXX XXXX  XXXX online billpay. The amount of the payment was {$4400.00} and XXXX XXXX XXXXXXXX debited my checking account for that amount. When I got my next statement from XXXX XXXX it showed no payment on XX/XX/XXXX and a late fee. When I contacted XXXX XXXX XXXXXXXX they confirmed they had sent the payment electronically and did a conference call with me and XXXX XXXX to provide them with proof ( including Electronic File Trace Number ) of the payment. The XXXX XXXX customer service associate was not helpful in resolving the matter and we asked to speak with her supervisor. When her supervisor came on the line ( after we were on hold for several minutes ) she spoke very briefly and then hung up on us. XXXX XXXXXXXX XXXX faxed proof of the Electronic Payment to the number provided by the customer service associate. I also sent this documentation to them via secure online messaging on the XXXX XXXX website. I received a letter from them this week that they didn't have all of the information they needed and announced " our investigation has concluded. '' I sent another letter to them today.
Product: Debt collection

XXXX told me they have been trying to contact me for a month and sent emails, letter and phone calls. Today is the first notification recieved and it was a voicemail on my phone to which they left no information except that they were an attorney named XXXX XXXX upon returning the call no one named XXXX XXXX works there and they said it is a generic recording. I was also hung up on by several employees including the supervisor. I attempted to reach a settlement on the debt and they said there will be no settlement and they will be reporting to my credit. Threatening to damage my credit if I didnt make an immediate payment if the full amount they claim is owed.
Product: Debt collection

I have been getting phone calls from this number several times a day now for over 2 months. When I Googled this number, it comes up as a scam number -- high risk. Then last week, a ma n left a message twice on my recorder that he is attempting to collect a debt on behalf of Apelles LLC, but  the phone number he left to call back was  XXXX , not as shown on my call logs. I have no idea wh o this Apelles LLC is . I have never received any letter from a creditor informing me that this company has been retained to collect a debt on their behalf. I have filed a complaint with the BBB in  XXXX , OH where this company is headquartered and asked that they cease and desist in calling me and leaving messages on my recorder ( done last week ). I have not received anything back from BBB with a response from this Apelles. I do not have a private voice messaging center as caretakers have access to my recorder as I am in and out of the hospital much due to   XXXX   XXXX   XXXX  . The FDCPA prohibits debt collects from leaving voicemail messages when the voicemail is not completely private with others having access to voicemail messages. My caretakers took these  XXXX  voicemail messages left by this ma n ( no name left ) and are  now aware that I am having financial difficulties. Another call came in again this mornin g (   XXXX / XXXX / 17   ) which tells me that this company has not responded to the BBB ( if it is even this company making these calls ). I  am a very ill person with   XXXX   XXXX    XXXX  and can not tolerate such calls coming into my home numerous times a day. Again, I have not received any letter from creditors info rming me that Apelles has been retained to collect a debt. Any outstanding debt that I have has been addressed directly with my creditors and none of them have retained Apelles to collect my debt. It is enough that I have to deal with the massive amount of robo calls that are coming in every day from all over the country, let alone someone I do n't even know leaving messages on my voicemail about co llecting a debt. I have saved the messages that were left on my voicemail by this man ( again, unidentified ), and if this continues I will file for the {$1000.00} fine for each call that continues to come into my home.
Product: Money transfer, virtual currency, or money service

My phone number and email were unlinked from Cashapp and I tried to log back in. I had multiple charges that I did not authorize & after contacting them they said I had authorized the payments requested even though I had no access
Product: Credit reporting or other personal consumer reports

XXXX main account opened fraudulently in my name on XX/XX/2020 balance of {$18000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not received verification of my inquiry and according to the FCRA ( Fair Credit Report Act ) legally these unverified and unauthorized items must be removed! 

XXXX XXXX XXXX  XX/XX/2022 inquiry XXXX XXXX XXXX XXXX XXXX inquiry Experian- XXXX XXXX XX/XX/2022 inquiry XXXX XXXX  XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/2023, LVNV Funding received a debt validation letter from XXXX XXXX. LVNV Funding did not validate the debt that LVNV Funding allegedly claim I owe. As a result of that failure, LVNV Funding also received a letter demanding the deletion of the alleged account from all consumer reporting agencies on XX/XX/2023. Under the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], disputed items must be validated or deleted and removed from my credit record within 5 days. LVNV Funding have triggered Privacy Act violations U.S.C. 552a ( g ) ( 1 ) ( A ). LVNV Funding neglected to respond or comply. LVNV Funding has obtained my personal private information including but not limited to my social security number, outdated addresses, names, and phone numbers which is a violation of the Privacy Act because LVNV Funding does not have a certified document granting them permissible purpose to furnish anything about me or to have my information for that matter. I did not give LVNV Funding legal permissible purpose per FCRA. LVNV Funding is a known junk debt buyer. Per 15 USC 1692K Civil liability, LVNV Funding is now liable for violations that they have carelessly committed. These behaviors are also considered abusive and harassing. I am aware that LVNV Funding was sued before for abusive and deceptive practices and behaviors towards past consumers. Recently, LVNV Funding attempted to sue XXXX XXXX from XXXX for a debt he did not owe. LVNV Funding was then ordered to pay XXXX XXXX {$19000.00}. LVNV Funding will be sued if LVNV Funding continues and attempts to call my bluff as a federally protected consumer by not complying with the FDCPA, FCRA, and Privacy Act. The actions LVNV Funding have committed constitute identity theft and fraud. LVNV Funding will be reported to the FTC once more.
Product: Credit reporting, credit repair services, or other personal consumer reports

OnXX/XX/2017, I send XXXX a dispute letter to take off the current bankruptcy on my credit report. XXXX responded back to me saying XXXX  Bankruptcy Court reply back verifying this bankruptcy on my credit report. And then I sent a 2nd dispute letter onXX/XX/2017. After that XXXX again sent a letter saying the bankruptcy court again verified this on my account. This is clearly a violation under Fair Credit Report Act.
Product: Credit reporting or other personal consumer reports

Experian law suit for messing up ppls Experian credit reports I need to be funding a check for that.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was just looking over my credit report and found some addresses that appear to be incorrect. I have already requested this information to be deleted and I've submitted documents showing my current address on XX/XX/23. I still see incorrect addresses listed ( which I would like removed please ) : Incorrect Addresses : XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX There should only be one address listed on my report, which is : XXXX XXXX XXXX # XXXX XXXX XXXX, IN XXXX. 

I also noticed that my name appears to be misspelled on my credit report. My name only has one correct spelling, and there should be no variations listed because my name has no variations. Please refer to the recently submitted documentation for the correct spelling of my name as well. Once again, in order to make the process of deletion easier, here are the incorrect spellings I see listed : Incorrect Names : XXXX XXXX There should only be one name listed on my report, which is : XXXX XXXX XXXX ( Not in all capital letters, I am not a corporation, I am a living human ) Once you have deleted the inaccurate names and addresses from my credit report, please send me a copy of my updated report
Product: Money transfer, virtual currency, or money service

I initially experienced issues getting my funds from a CD released via complaint XXXX then when those were released Ally proceeded to block my attempt of sending a wire. 
I initially the request well ahead of their cut off of XXXX XXXX. ( I sent it in XXXX XXXX  ) They claimed that they didn't have enough time to review it and did not send out my wire. in time. 
I needed the funds today for my title company for the purchase of a property and due to them it was delayed due to XXXX hours wasted trying to get my funds from a CD and then them not processing a wire on time.
Product: Credit card

I called Synchrony Bank to pay off the balance of my credit card. I paid the amount specified on the day of the call. Although I am participating in 0 % interest promotion, they have been charging interest due to a paper statement charge that I did not request. Interest was charged on the XXXX the last few months but the day after that my credit card was paid, {$2.00} interest was charged on the XXXX. I still have until XXXX XXXX to participate in this promotion but due to the recent problems that I have had with this I requested paper statement charge and subsequent late fees, I have opted to pay the balance ahead of schedule and close my account. It is actins like charging interest after payment that I will no longer apply for another Synchrony card.
Product: Vehicle loan or lease

I purchased a XXXX XXXX XXXX through a local XXXX in XXXX of XXXX. We financed initially with Bank of the West ( BNP ) and everything was smooth. I would send in extra payments for principal to pay off the loan earlier than the term. BMO bought out Bank of the West last year and even though they sent a letter stating that nothing will change with my current loan, it most definitely did. I wanted to keep sending in extra payments but that process was quite difficult. The first check I sent in even though nothing was due was put 100 % towards interest. I even marked on the stub principal only, hand wrote principal only and wrote principal only on the check and they still took it upon themselves to put it towards interest only. I then called and was on the phone for at least 1 hour and eventually they refunded the interest only payment and put it towards principal. Well, the next time I sent another check in for principal they put it towards interest only. At this point, I called again and they refused to refund the interest only payment. Their explanation was that because I was ahead of my payments they needed to collect interest. This did not make any sense to me. So at this point since I did not have payments due for several months, I just waited until a payment was due to make a payment. However, I received an invoice which stated no balance due in XX/XX/XXXX. Two weeks later a payment was posted on my bank account from BMO. I checked my BMO app and it had posted to interest only. I tried to message them but did not get an explanation. The next month another payment went through and it was towards interest only yet again. At this point I was extremely frustrated. I sent another message for an explanation and 2 weeks later finally got a response which did not address anything that I had asked for. I decided at this point to refinance with my local bank, even though at a higher rate, just so I don't keep getting scammed by BMO. I don't know how a bank like this can survive. Their customer service is terrible and I feel like they stole from me. I don't expect anything will be done, but I wanted to let a government agency know this is how this bank operates. Thank you for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent 3 separate letters each to XXXX, XXXX and TransUnion on XX/XX/2020, XX/XX/2020 and today XX/XX/2020 about inaccurate and unverifiable collection accounts and student loans on my credit report. It has been over 6 months and I have not received a single response from anyone. I feel like my dispute letters are being ignored, that they do not matter and that I am being taken advantage of. In section 611 ( a ), it plainly says that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Since it has been way over 30 days these items should be deleted immediately. I demand these accounts be deleted immediately or I will file for litigation due to the stress this is causing me. I am trying to apply for a mortgage and this is preventing me from doing so.
Product: Credit reporting, credit repair services, or other personal consumer reports

Goldman Sacs Bank USA, is reporting late on my personal loan account for 2 months XXXX and XXXX in XXXX and 1 month XX/XX/XXXX, I was never been late 30 days as reported to all CRAs. I XXXX  outside US on job and due to te encouragement and online payment option provided by creditor I paid within time frame online from their website, as per the account agreement they haven't mentioned that I can't pay online outside of USA, and even though I paid they deferred the payment and reported as late making me to check and call from other countries to pay again and report as continuously late which is against the agreement. 

NOTE - As Goldman Sacs Bank USA has not put in agreement terms as that I can't pay online outside USA, they should not report as late. Please look into this and ensure that creditor reports all 3 payments as on time. All the CRAs are not looking into deferring of my online payments from outside USA, proof is all my payment are made online and in XXXX, XXXX I asked them to correct this online we site bug.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with Transunion on XX/XX/XXXX because I found inaccuracies across the collections account reporting of my formerly defaulted student loans. These 4 loans were sent to US Dept of Ed collection agency XXXX XXXX XXXX   XXXX XXXX ( They report on my credit as US Dept of Ed ). These loans were subsequently consolidated into one account with XXXX XXXX on XX/XX/XXXX. I disputed these 4 accounts because they are reporting inaccuracies and wanted them verified and updated. Specifically all 4 are reporting inaccurate closed dates and 1 specific account is reporting an incorrect high balance. Each of these accounts are also reporting failure to pay in XX/XX/XXXX when these accounts were after all paid. After receiving my results on XX/XX/XXXX about this dispute and all information being verified and/or updated, I mailed a certified with return receipt requesting method of verification used to verify these accounts since they still contain inaccuracies. On XX/XX/XXXX I was mailed a one page letter about investigation procedure from Trans union, which still doesn't prove their method of verification on these four accounts. They have failed to update inaccuracies, have failed to provide how they verified these accounts since I have proof they are inaccurate. Now we are experiencing a violation in my credit reporting rights. Since the information wasn't made accurate after dispute and they have failed to show the verification method yet these accounts still remain inaccurate. This is a violation that I would now like deleted since the initial result of verification was inaccurate and they have failed to provide how they think it is accurate. Please see all the attachments regarding this matter which include : receipt for certified letter, original letter for method of verification request, method of verification request letter sent on XX/XX/XXXX, original dispute results from XX/XX/XXXX, FAFSA.ed.gov student loan information showing accurate loan amount, and also NSLDS showing the date closed on the accounts which is inaccurate as well and also once again the original balance for the account which has the error dating XX/XX/XXXX. The other 3 accounts show incorrect closing dates which has failed to be validated and once again show otherwise on national student loan database. This has continued to affect my credit and I have put in effort through disputes to have the inaccuracies updated, but they keep coming back verified when i have proof otherwise. These loans are set to come off in less than a year because of the date of original delinquency and I have been dealing with this long enough and inaccurate reporting of these loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

i got a copy of my credit report and there are inquiries i do not recognize, XXXX and XXXX XXXX on XX/XX/2020 credit plus on XX/XX/2020 and XXXX XXXX XXXX on XX/XX/2020
Product: Debt collection

i have tried several times to talk to them. They have refused to supply me with the social security used.i have sent a dispute letter and they say they didnt get it but refuse to send me another XXXX. All my credit cards and loans are paid on time and i am not late on XXXX of them. Please help me this company is ruining my company.
Product: Credit reporting, credit repair services, or other personal consumer reports

Purchased a car from a dealership in 2015. I voluntary surrendered the car because I was sold a lemon ( a bad car ). It started having problems immediately after purchase. The car dealership has since closed down ( no longer in service ). I can not speak to someone at the dealership about this. However, the loan was with the company XXXX XXXX. XXXX XXXX will not remove the file off my credit report. I have spoken to someone from XXXX XXXX a few months ago and offered to settle the debt if they delete the file from my credit report. XXXX XXXX refused the offer. They also mentioned that the car was sold at auction. I do not feel I should be responsible for the car loan anymore. Because the credit company ( XXXX XXXX ), sold the car at auction, and because the dealership where the car was purchased has since shut down, and because XXXX XXXX refused a settlement on a car that had bad mechanical issues and on something that they resold. I have had this following me on my credit report since 2015. And have attempted various methods to get the company to remove the debt.
Product: Debt or credit management

XXXX XXXX / XXXX XXXX  contracted with XXXX to collect my debt. On XX/XX/year>, the full amount was paid to XXXX. 

I contacted XXXX who assured me my credit report would be amended. The debt remains on my credit report as unpaid.
Product: Debt collection

Portfolio Recovery is trying to report same collection twice. I already paid a collection and the account was closed. Then as soon as that was paid a new collection account appeared in their portal for the same amount that I already paid. They are using illegal and deceptive tactics to try to collect on the same debt multiple times and are reporting a debt that should be removed from my credit as still owed. When I paid the collections account for XXXX on XX/XX/19 there were only 2 accounts ( the XXXX I paid and a XXXX that is not mine and 7 years and 3 months old ). Then mysteriously less then 2 weeks later there are 3, the one I paid, the old one and a new one for a duplicate amount. If that debt really existed and really was sent the day they claimed it was it would have existed in the debt collectors portal the first time I went to pay the 1 amount for XXXX that was listed on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is incorrect information on my Experian credit report as follows : 1 ) XXXX XXXX XXXX reporting a debt that I have no contract or knowledge of and is not verified. 

2 ) expired inquiry still reporting XXXX inquiry date : XX/XX/XXXX supppsed expiration : XX/XX/XXXX XXXX XXXX XXXX 3 ) expired inquiry still reporting XXXX inquiry date : XX/XX/XXXX supposed expiration : XX/XX/XXXX XXXX Thank you for your assistance in this matter.