23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

15 U.S. Code 1692c - Communication in connection with debt collection ( a ) CoMMUnication WitH tHe conSUMeR XXXX  Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ( c ) CeaSinG coMMUnication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor ; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy.

If such notice from the consumer is made by mail, notification shall be complete upon receipt.

A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person.

( 2 ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader.

( 3 ) The publication of a list of consumers who allegedly refuse to pay debts, except to a consumer reporting agency or to persons meeting the requirements of section 1681a ( f ) or 1681b ( 3 ) [ 1 ] of this title.

( 4 ) The advertisement for sale of any debt to coerce payment of the debt.

( 5 ) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.

( 6 ) Except as provided in section 1692b of this title, the placement of telephone calls without meaningful disclosure of the callers identity.

( Pub. L. 90321, title VIII, 806, as added Pub. L. 95109, Sept. 20, 1977, 91 Stat. 877. ) I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefor exists pursuant to 18 USC 8, L owe no debt, this company is violation my consumer right to privacy pursuant to 15 USC 1681-B2 company has no permission to report my information per 15 USC 16814 .
Product: Checking or savings account

I have been with Citi bank since XXXX of XXXX I have had no issues with Citi bank I even had my father and mother move to Citi bank however all of a sudden on XX/XX/XXXX I was locked out of my account with no account access I call the customer service number I get transferred to the XXXX department I speak to some lady and she tells me Citi bank was ending its relationship with me I was confused and XXXX founded I did nothing to violate the bank rules and regulations I have read my policy for the bank I asked why she informed she cant tell me why the bank is ending its relationship her name was EDGE I had no issues always maintained a balance I had XXXX direct deposits set up for my Citi bank account so I dont see no issues this is so inconsistent how a financial institution can end its relationship I had recently closed some accounts with Citi and now all of a sudden my access is blocked and my accounts are closing
Product: Credit reporting or other personal consumer reports

I recently reviewd my credit report and noticed some inaccuracies on my report. 
Starting with this collection, I never lived or was associated with. These address 's i never lived at and these iqurires i never applied for please remove off my report asap. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Address 's : XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, NJ XXXX Inquiries : XXXX XXXX XXXXXX/XX/year>XXXX XXXX XXXX
Product: Credit reporting

My identity has been stolen to multiple credit card accounts. I was not able to list all of them in the theft details. 1 ). There are total of XXXX credit card accounts opened in my name. 2 ). My boyfriend 's identity was stolen and he told me my name and information was on these stolen accounts of his, and they had all my information. This is what prompted me to look into my credit report. 3 ). I went and spoke with XXXX Police Departments and they told me they could not file the report until I have physical documentation from the credit card companies and credit bureaus. 4 ). I 'm currently trying to obtain as much information as I can.
Product: Debt collection

I have disputed previously disputed with this company regarding the 2 collections they have for me. The company was unable to validate this debt. They indicated that they would reach out to the original creditor an obtain a copy of the itemized bills. They were informed that an itemized bill is not an acceptable form of validation. Both accounts were removed. The accounts have been placed on my credit reports yet again only this time they changed the account number and the amount. I disputed it with the credit bureaus They sent a letter to me indicating that they would once again attempt to validate with the original creditor however they told the credit bureau that it had been validated which is not true. They told me one thing but told the credit bureau another. To date, they have not provided any documentation to me that shows this debt is validate. They are NOT my accounts. This is the reason that the debts can not be validated. Please remove from all 3 credit bureaus ASAP. Changing the amounts and account numbers to place this back on my credit report is a violation. Account number XXXX and XXXX.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to dispute several inaccuracies and incomplete information that I have discovered upon reviewing my credit report. 
It has come to my attention that there are discrepancies within my consumer file pertaining to the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These discrepancies have raised significant concerns regarding the vital role of credit reporting agencies in ensuring that the information furnished is fair, accurate, and complete. As per my rights under the Fair Credit Reporting Act ( 15 USC 1681 ), I am formally requesting a thorough reinvestigation of the aforementioned accounts.

Furthermore, I am requesting VERIFICATION and VALIDATION of each account listed above. It is imperative that you provide me with the name and title of the person who certified that these accounts have been VALIDATED and VERIFIED.

If, upon thorough investigation, you are unable to VERIFY or VALIDATE the aforementioned accounts, I kindly request that you promptly delete them from my credit report.

I expect a timely response to this matter in accordance with the provisions outlined in the Fair Credit Reporting Act.

Please acknowledge receipt of this dispute within 4 days and provide updates on the progress of the investigation.

Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Investigation Request to Delete reported data NOT certifiably COMPLIANT and PROVEN VALID and/or not documented as fully true and PHYSICALLY VERIFIED!

Id like to ensure that you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations. I DEMAND, as it is my lawful RIGHT ( s ) to do so, that you DELETE all information that is deficient of any condition.

I listed below all the information that I found to be untrue, incorrect, incomplete, untimely, and not verifiable, and unsubstantiated. I have yet to be provided physical verifiable proof that the claims of negativity within my report is true. 

XXXX | XXXX - {$360000.00} XXXX | XXXX - {$0.00} XXXX | XXXX - {$0.00} XXXX | XX/XX/XXXX XXXX XXXX | XX/XX/XXXX XXXX XXXX | XX/XX/XXXX XXXX XXXX XXXX XXXX | XX/XX/XXXX XXXX | XX/XX/XXXX XXXX | XX/XX/XXXX ( ALL BUREAUS ) XXXX | XX/XX/XXXX ( ALL BUREAUS ) XXXX | XX/XX/XXXX ; XX/XX/XXXX XXXX XXXX | XX/XX/XXXX ; XX/XX/XXXX XXXX XXXX | XX/XX/XXXX XXXX XXXX  | XX/XX/XXXX XXXX XXXX | XX/XX/XXXX ; XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX | XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ( XXXX AND XXXX ) XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX | XX/XX/XXXX
Product: Bank account or service

Bank cashed a check with no endorsement or tracking information. Bank cashed check on XXXX XXXX. I ask for a copy of the check, when the party to whom it was written informed me that he had not gotten it. I received a copy of the check XXXX XXXX. 
XXXX XXXX, I called Citibank to inform them of the fraud. I received a complaint number, and was told that an affidavit would be sent by mail. I called many times, because I received no affidavit. On XXXX XXXX I was told I could go to any branch and fill out an affidavit. XXXX XXXX I did so. XXXX XXXX I called Citibank for an update and was told they did not receive the affidavit from the branch. They say they are sending the affidavit again by mail. They say this could take 90 days to resolve. Why? This was my rent check.
Product: Checking or savings account

XXXX terminated checking account and credit cards by Bank of America. 

I checked my Bank of America app on the morning of XX/XX/XXXX to conduct banking to pay off bills but my account disappeared. I called customer support at XXXX and was told the account was locked and closed due to a business decision. No effort was made to relay this issue to me and I had to find out for myself that the account was missing. 


Went into my XXXX Bank of America XXXX ( XXXX XXXX XXXX XXXX, XXXX, WA XXXX ) at XXXX and talked to Relationship banker XXXX XXXX XXXX Could not resolve matters after he called customer support as he saw my account but I was purged. Escalated to branch manager XXXX XXXX who contacted Bank of America. All attempts were met with no answer only the right for both parties to refuse business. Department that was involved with my account closure was the risk department but no avenues for appeals and abilities for a customer to be heard before a sudden closure that disrupted my entire financial stability. 6 years of being a customer. No late fees on credit cards and proper maintenance of balance in and out to maintain activity. Car loan that has been paid off $ XXXX and has been XXXX years old with no late payments and XXXX credit cards that have never had a late payment with the bank. Branch manager filed a complaint on my behalf to Bank of America in order to gain answers and traction as to why this has happened with case number XXXX. This issue could bring lasting issues to my other banking institutions as this is my oldest account. I am worried this will affect my future to work, rent or buy a house or car. I do not want this situation to lead to more financial problems with my other banks. 


No phone call, email or correspondence by Bank of America to notify impending closing or issue with bank account. No chance for appeals by customer even with me being a platinum member for 6 years and being their so called valued customer. This is an extremely disruptive and stressful situation for myself as not only have I lost a bank account with no cause, my financial future and credibility is in jeopardy. 


I have waited for more several weeks to allow Bank of America to conduct their own internal investigations and to reach back to me. As of XX/XX/XXXX I returned to the branch to pay off my remaining credit card balance and pay another month of my car loan, all of which can easily be done if I had my account but instead has caused me severe stress and inconvenience. The branch manager XXXX XXXX that previously served me has suddenly transferred and I was left to reexplain everything from square XXXX to the banker XXXX. Until now I have not received anything hence my filing to the CFBP and FDIC. I believe I have acted reasonably as a client and customer for them to rectify any issues. 

I am frankly frustrated and disgusted by how Bank of America treats their old loyal customers and I have been left feeling like a criminal and have lost my dignity. The bank genuinely sets out to make their customer 's lives as difficult as possible.
Product: Credit reporting or other personal consumer reports

I have hard credit XXXX that are not me doing this, no permission has been given for XXXX hard inquiries, it's not me applying in my name, XXXX was in XXXX XXXX XXXX nit been a Peek since XXXX when I got divorced, XXXX recent from same company denial letters XXXX XXXX that's not me, someone has been applying in my name, I'm not applying fur credit cards at all or bank loans in Kentucky XXXX XXXX XXXX x in Kentucky iv never given anyone permission to check my credit at car dealers in Kentucky ever, I live be in Illinois . There is identity theft going on here XXXX hard inquiries now on my credit report and it's not me applying fur anything. I don't have a denial letter yet from a 3rd hard inquiry that just happened more recently by XXXX XXXX  again, I need to screen shot the other XXXX hard inquiries to send that's on my XXXX XXXX  report.
Product: Debt collection

I had a qvc and hsn installment loan open in my name.
Product: Checking or savings account

I was scammed with a job ( i now know it was a fake job ) where i was supposed to help manage the money, there was even a contract i had to sign for this job. I was sent a check in the mail and was supposed to deposit the check, then send it to the product supplier. I cashed the check, it went through, then sent the money through XXXX. the next day Bank of America decided the check was bad so my account was charged back {$3500.00}. I immediately contact them to report that i believe i was scammed, and they told me the check was counterfeit. They then made me way 3+ weeks ( i was told 10 days ) to tell me that they couldnt do anything about it and that it is my fault and i have to pay it, but they have 45 days to try and contact the institution the money was sent to. I have called several times and have gotten no resolution, even though i only had {$200.00} before the scam. I am a recent XXXX XXXX and havent been able to get a job all summer until 2 weeks ago, but its only part time and barely enough for groceries. Im literally XXXX  and had to move in with my in-laws since my husbands job contract ended and he is without a job also, and after explaining this to the BoA rep XXXX she wanted to connect me with someone to set up payments for the {$3500.00} that was scammed from me. XXXX is advertised as safe, and the check was cleared according to my merit with BoA ( per the recent agent i spoke with who was very rude ). They obviously werent protecting my account and now they refuse to help and wont even give me resources to find help. the claim number is XXXX I have included a few screenshots of the people involved in emailing me to scam me. There was a lot of correspondence with them, so I tried to include key messages from them.
Product: Credit reporting or other personal consumer reports

Improper Investigation of my Credit Disputes under the Fair Credit Reporting Act ( FCRA ), Experian is required to conduct a reasonable investigation of any credit disputes I submit. However, despite my efforts to resolve the inaccuracies on my credit report through multiple dispute submissions, your company failed to conduct a proper investigation. Instead, the information remained unresolved or was incorrectly reported. This failure has caused substantial damage to my creditworthiness and financial well-being. Despite my clear instructions and the supporting documentation I provided, Experian did not take the necessary steps to verify or correct the disputed information. As a result, I have been adversely affected by inaccurate credit reporting. In addition to the failure to properly investigate my credit disputes, I am deeply concerned about the exposure of my personal information during this process. Specifically, Experian released sensitive details, including but not limited to [ list specific information you believe was exposed, such as your Social Security number, birth date, account numbers, etc. ], without my authorization or consent. This breach of privacy has not only caused me emotional distress but also put me at risk for identity theft or fraud. 
This exposure of my personal information, coupled with the mishandling of my credit disputes, is a violation of my rights under the Fair Credit Reporting Act and other relevant consumer protection laws.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to request credit inquiries that were unauthorized to be removed from my credit report. I received a copy of my credit report and became aware of inquiries that I did not authorize. They are as follows. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and removal of fraudulent accounts and inquiries from my credit report pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605B. I am a victim of a data breach that has resulted in unauthorized accounts and inquiries appearing on my credit report. 
Please find the fraudulent accounts and inquiries listed below : Fraudulent Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card or prepaid card

I have send them all the information they needed over three month and still havent gotten my refund for two XXXX XXXX cards.
Product: Credit reporting, credit repair services, or other personal consumer reports

have an alleged debt with XXXX XXXX XXXX. They claim that I had an outstanding debt with XXXX XXXX bank. I dont know if this was a credit card debt or some other kind of debt. I have contacted XXXX XXXX bank and they have no knowledge of any outstanding debt that I owe them. In fact XXXX XXXX bank issued me an unsecured credit card. I am in good standing with XXXX XXXX Bank. I disputed this debt with XXXX  and it was deleted from my credit report.on XX/XX/202. ( XXXX report number XXXX ). I have contacted XXXX XXXX XXXX and requested they provide proof of the debt from the original creditor. I want to see a copy of a loan contract between me and XXXX XXXX Bank or a credit card agreement between me and XXXX XXXX bank. I dont know if the alleged debt was a credit card or a loan. According to what XXXX has on my credit report the alleged debt account was opened in XXXX of 2017. I was living in Florida in XXXX of XXXX There is no XXXX XXXX XXXX bank here in Florida so I could not have taken out a loan with them. I did not have a XXXX XXXX credit card in XXXX of XXXX. I want XXXX to provide proof of this debt between me and XXXX XXXX bank. If they can not provide this proof then I want their trade line removed from Equifax and XXXX. I have a written statement from XXXX XXXX bank that says they have no knowledge of any outstanding debt that I owe them or owed to them. I have consulted legal consul and am advised to exhaust every means available to resolve this issue and to use the courts as a last resort. I have filed a complaint with the XXXX and have yet to receive a response from XXXX XXXX XXXX. I have also filed a dispute with Equifax and am unable to file one with XXXX because they only allow one open dispute at a time. Equifax has yet to show proof of original debt between me and XXXX XXXX bank yet I have requested said proof. They claim to have proof of the original debt but have presented me with that proof. See attachment Equfax dispute 3
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 XXXX : 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 : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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: Debt collection

They are calling in reference to a loan I cosigned for my granddaughter. I have informed them that my granddaughter will not answer my phone calls or text messages about this debt and I am on now XXXX years old, receiving social security, and have XXXX and can not handle the stress of the continuous calls. They called me XXXX times on Saturday even though I have asked them repeatedly to stop calling me.