23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I've endeavored to dispute a charge. I merely get a customers service number that reroutes my complaint, but does not follow thorough on talking to a representative. I've tried multiple times with no call backs. I tried their support email with no reply. Frustrated. 

The prepaid account is with XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX CT XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$25000.00} Charged off XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late/Open Inquiries in Dispute : XXXX XXXX XX/XX/XXXXXXXX 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: Checking or savings account

In XX/XX/2023, I filed XXXX complaints with the Consumer Financial Protection Bureau. 
The first complaint, CFPB Complaint # : XXXX, was regarding my Checking & Savings account with Bank of America XXXX The bank changed my account several times, and with each change, money was missing from my balance. 
The second complaint, CFPB Complaint # XXXX, was related to a credit card dispute for {$150.00} with XXXX XXXX XXXX XX/XX/2023 XXXX In XX/XX/2023, Bank of America reversed the charge with the help of the Consumer Financial Protection Bureau. 
On XX/XX/2023, my credit card balance was {$100.00}, and I paid it in full at the Bank of America XXXX located at XXXX XXXX XXXX XXXX. XXXX. I paid {$100.00} through an ATM and {$2.00} through a branch payment. The clerk was rude but assured me that I had a XXXX balance on the credit card. 
However, on XX/XX/2023, I noticed that my credit card balance was {$1.00}, and interest was charged for a XXXX balance. 
On XX/XX/2023, Bank of America aware of the missing funds, multiple account changes made by the bank, and complaints that were not addressed. Bank of America aware I had filed XXXX complaints with the Consumer Financial Protection Bureau, yet, Bank of America chose to close my account ending in # XXXX. 
When I called Bank of America on XX/XX/2023, and spoke with an agent named XXXX from XXXX, she stated that all information regarding my account ending in # XXXX was deleted. 
This is fraud. Bank of America can not ignore complaints, remove money from accounts, and then close the account stating non-activity and/or non-funds. I will file a complaint against Bank of America for ignoring my XXXX complaint against a dealership ( truck ). The truck was paid in full through my savings account, yet Bank of America allowed monthly charges and then changed the account without accountability. 
Note : I can provide documents if requested of me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS and UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate and correct. In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THIS ACCOUNT? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly UPDATE all information which can not be verified. Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are willful noncomplying with the FCRA. Since you CLAIM TO HAVE VERIFIED THIS ACCOUNT BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO UPDATE '' THE FOLLOWING ACCOUNT. Please update the following account, or inaccurate information, from my file immediately & send me the results to the address listedXXXX XXXX XXXX
Product: Debt collection

I sent a check for {$1200.00} and Goodwill letter to XXXX  XXXX on XX/XX/XXXX. 

They cashed the check for {$1200.00} and still are perusing me for more money and are damaging my credit report. I sent XXXX  XXXX a faxed Copy at there request on XX/XX/XXXX of the original Goodwill agreement Letter dated XX/XX/XXXX with a copy of the check as well. 
I received no response from XXXX XXXX. 

I sent a dispute letter to XXXX  XXXX on XX/XX/XXXX. They singed for the letter on XX/XX/XXXX and never furnish the credit bureaus with the required disclosure, within the period required by law.
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my personal credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
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

The credit score has not changed since XXXX of XXXX. Well XXXX decreased from nothing chsnfing on the report XXXX pints and returned last month XXXX lower. 

I've been denied for everything since XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Why don't you work on that since you can't even get me a credit card with a limit at my XXXX age XXXX or a first time home buyer or a XXXX XXXX rv. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

They have repeatedly responded with this has been verified and remains though its inaccurate and unverifiable and therefore must legally be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian and XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$0.00}
Product: Checking or savings account

I started my current job about a year ago. Around that time I submitted a form to transfer money from XXXX XXXX, XXXX XXXX XXXX, XXXX, WI XXXX to my new employer 's HSA at XXXX XXXX. XXXX XXXX pretended that they never got the form to transfer the money to my new HSA and instead kept deducting a monthly management fee. I called a few times and they always said that the transfer was " being processed ''. After months of the run-around, they claimed that the form did not have all the information necessary so on X/X/17 I submitted a new form. Again, after a month of waiting they did not transfer the money or call me to explain why they were keeping ( and slowly draining ) my account. When I called XXXX XXXX, they said they sent the form 3 times and had no idea why XXXX XXXX  was refusing to initiate the transfer. So, we called and supposedly straightened this out with XXXX XXXX  customer service. Everything was supposed to be all set. Today I called again because the money had still not been transferred. I was told now that the form submitted was " illegible '' and that they had tried to call me but " there was no option to leave a message ''. That is just a straight up lie. I have voicemail set up on my cell phone. Now they tell me they are going to charge me a {$25.00} fee to close my account or transfer the money. This is ridiculous. They are leeching the account maintenance fee off of the account and trying to make it impossible to transfer the money out so I get bored and just decide to let them keep it. The fees are ridiculous and the refusal to transfer the money is exactly the kind of abusive practice that the CFPB is designed to combat. Please investigate. I am sure that they are making a large profit off of this account maintenance fee scam they are running.
Product: Debt collection

Contacted company XXXX XXXX XXXX explained that I didn't know about debt and it wasn't mine. Do not know when it was added to my credit file {$950.00}
Product: Vehicle loan or lease

I have been customer at PNC since XXXX I have received a car loan in XXXX and a home loan in XXXX having much less income. I have a savings and checking and line of credit with them. I applied for credit and an XXXX XXXX with them on XX/XX/XXXX. According to XXXX, XXXX of the credit bureaus, I have a high XXXX score and are sending me emails that I should get more credit and credit cards. I make almost double the income I did in XXXX. 

I got married last month. The XXXX XXXX at the XXXX, VA Office completed an application for the loan for first both of us on XX/XX/XXXX. She called us and stated it was denied. Gave no reason. She asked if I wanted to apply myself and for a credit card which she and others at PNC have been pushing me on lately. XXXX hours later I receive XXXX completely vague, generic emails stating I was denied. I called the Branch Manager immediately to find out why. She stated she did know why and you will find out in XXXX days by mail. In the mean time but she was setting an appointment by phone on XX/XX/XXXX at XXXX to discuss. 

In the meantime, XXXX keeps sending me emails regarding how good my credit is. I forward them to the PNC Manager. No responses from her. 

At XX/XX/XXXX on XXXX she did not call me on the appointment she set up. I emailed her to let her know how unprofessional that is. I have not received anything in the mail actually explaining why my loan and credit card was denied and XX/XX/XXXX was the XXXX mail day. 

PNC has disrespected this long term customer and hurt my credit as well as my wifes. I believe they have discriminated against me due to my age as well as my interracial marriage.
Product: Money transfer, virtual currency, or money service

Ive filed a claim with the bank of Chime but they refuse to assist me in the matter, they say i need more to help my cause.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters twice in two months via priority mail in regards to these accounts on my consumer report, my efforts are continuously ignored.

Also, as a part of this complaint, I would like to include that between XX/XX/2022 and XX/XX/2022 credit reporting agency Equifax has been constantly removing and re-inserting an account from XXXX XXXX on and off my consumer report. In my previous complaint of the company response from Equifax, it clearly states XXXX XXXX has been deleted from this credit file. 

Per fcra guidelines, the consumer reporting agencies must notify me within 5 days of any reinsertion. 

Equifax, I never received any written or notification statement from you all advising me that you are re-inserting this account which means you have violated my rights and I am demanding that you remove it off my credit report now because you all did not follow proper guidelines. Also, I need for you all to provide me with every piece of information on how you came up to this assumption that this account should be reporting on my consumer report.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I received notification via electronic mail. In a call to Amex at XXXX on XX/XX/XXXX XXXX PM [ XXXX mins, XXXX sec ] in speaking with Fraud Division I verified that this was fraud, I was told the account was closed, and that the applicant would not be able to re-open the account. Because I inquired as to how a fraudulent entity was able to get so far as to open the account with credit alerts in place for XXXX, XXXX and XXXX [ for which I have credit monitoring ]. I was advised that Wednesday XX/XX/XXXX, I received the credit card in the mail despite that I was advised it would not be issued. When calling again at XXXX on XXXX AM [ XXXX mins, XXXX Sec ] the XXXXraud division again advised me the account could not be activated and that it was under 30 day investigation to determine how the account was opened. When I began to inquire as to how the account was opened I was transferred to the new account Bureau. The initial agent confirmed the call was being recorded and I asked how they were able to get this far without asking for verification of my identification by physical ID. The person then proceeded to read my fraud notation from one of the credit Bureau ( s ). I then asked why they did not do it. They said the called the number on file. I asked what they used to verify my identification? The agent said that all of that was destroyed. I asked if the call was being recorded [? ] to which the agent said yes. I then asked how then would you destroy information or discard that the Fraud department said it would investigate or use to investigate? He Said he followed the process which was to " call the number ''. I asked for him to produce evidence that the number was called. He then stated he could not because I closed the account. I asked to speak to a manager at which time I was sent to XXXX. I verified XXXX was recording our conversation. I again asked him to take me through the process and he gave me his assurances that Amex followed the process and then XXXX proceed to tell me I did not have XXXX Alerts on my account. He implied there are fraud alerts and their are [ implied ] separate fraud alerts. I asked whom is used in the verification and ha said XXXX. I than advised him [ as of the XXXX ] that two days after [ XX/XX/XXXX ] only XXXX XXXX had a record of the inquiry. SO if you use XXXX XXXX, how did did they not have the inquiry and XXXX did? He explained what their process was again and i asked him to repeat it for their recording. So we have XXXX Amex employees caught in lies.
Product: Payday loan, title loan, or personal loan

The collection agency XXXX XXXX XXXX XXXX collection account does not have the right to collect if they are not licensed In your state. I reside in Texas and research through the Debt Collector Search the named collection agency office is licensed in XXXX, MO XXXX furthermore, i would like the collection to be removed from my credit report.
Product: Debt collection

XXXX, XXXX. They call every day. I have pay mortgage. The girl said I every day. I am can, t hear the message. I am my friend call the XXXX - my friend told harass the me.
Product: Mortgage

Select portfolio servicing is going to STEAL {$250000.00} from me tomorrow.
Product: Credit reporting, credit repair services, or other personal consumer reports

As I educated myself on Fair Credit Reporting Act, I asked Experian, XXXX, and XXXX several times over the past year or so to reinvestigate these accounts listed below : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting act these reporting 's has violated my federally protected consumer rights to privacy my livelihood and confidentiality under 15 USC 1681 Act. However, they stated that everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is still incorrect. Closed accounts are written off and considered income. Income dose not report I want them removed as well. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that isn't reporting correctly. XXXX, XXXX, Experian did not do so. 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. Also, they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case. Certified Mail Receipts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and many more.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion has furnished incorrect information on my credit report. I have tried to resolve the issue several times via phone and letter correspondence. At this point they are in violation of three FCRA laws. Last letter sent was by certified mail on XX/XX/2022. Please see attached for letter, invoices and proof of delivery confirmation. This inaccurate information has caused irreputable damages and each violation is a recoverable fine of {$1000.00} dollars.
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. 


XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Mortgage

US Bank holds the promissory note and collects mortgage payment on house that was awarded to my wife in a divorce in XXXX. My name has been removed from the deed of trust but remains on the promissory note. A quick deed and divorce decree showing legal ownership. In XXXX my exwife did a modification loan and refinanced without my consent. I dont know how I can be responsible for the new terms if legally I have nothing to do with the house. I been advised and received paperwork from US Bank to apply for a loan to buy the house to have my name removed from the promissory note. I have received paper work to resume an existing loan for a house which I all ready have a promissory note.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive sent multiple FTC reports to XXXX XXXX & Exparian. Ive also sent a 605b along with proof of identity. Im a victim of Identity Theft. Its multiple medical bills on my report. Someone used my name to file taxes get medical care and to get apartments. Ive never done business with XXXX XXXX XXXX or the original creditor. Please see attached FTC reports. Per Fcra & 605b All items Fraudulent must be blocked from my report.
Product: Debt collection

I contacted Southwest Credit Systems and they could not find the account with XXXX. I asked for the original contract or purchase agreement they stated they did not have that. I've requested verification and I've been ignored. Please remove this debt or further legal proceedings will begin on my behalf.
Product: Vehicle loan or lease

I have tried to reach out to the company making them aware that I have been diagnosed with XXXX XXXX, laid off and can not pay at this time. I asked for a pandemic deferment for two months and they said they are not offering this to customers at this time. Although I have reached out to them and explained my situation, GM financial has continued to harass me several times a day. My payment is not even one month past due and the representatives have threatened to send me to collections. Please help me with what I can do to protect my investment. I am a law abiding citizen that always pays my bills on time. Thank you and I look forward to hearing from someone in the near future.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is not mine. I have tried to explain it to them on numerous occasions.
Product: Credit card

I had a Capital One credit card for many years in my personal name. They sent me notification, so they say, to up date personal info. I am not good at using the computer to up date info. So if it was sent, I never responded, not sure. One day while using my card, to my surprise, it was cancelled. The XXXX then told me to make an application for a new card. They also said because I am XXXX  & not in business the card would remain cancelled. I am ok with that. The problem is, I had accumulated XXXX reward miles. Over the years I was always to use the total amount of rewards to reduce my credit card bill. This time I was told I would only get half the accumulated rewards. They send me a check for {$560.00} which is half of what I had accumulated. I asked to have my. rewards put on my new card, they said no. I asked for the total amount to be sent to me, they said no. My position is, they never notified me that my card was to be cancelled nor did they give me an opportunity to redeem my rewards. I felt like they in effect were steeling. I understand their position, but I feel I was treated unfairly & should have been given an opportunity to redeem my rewards. thank you.
Product: Credit reporting or other personal consumer reports

Santander shared my personal information in error, stemming from their failure to adhere to the contractual obligation of specifying the entities with whom they will share this information. Furthermore, despite being informed through multiple channels about the inaccuracies related to the address on my account, Santander recently updated the account with non-affiliate entities that possess my information. This action directly contravenes my consumer rights, which were already being violated by the sharing of my information. 
I have enclosed a formal letter along with the original credit application in this complaint, and it is of utmost importance that these documents are carefully reviewed.