23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I contacted XXXX  XXXX, XXXX XXXX, BofA, yet no one seems to know why I haven't received the miles. 

XXXX has a promotion where if you use your XXXX  XXXX Bank of America credit card to pay your rent, you can earn 3 miles per dollar on rent ( up to $ XXXX per year ). This not a free benefit ; customers are charged a credit card convenience fee for using their credit card to pay rent. I paid {$3700.00} in rent ( plus a convenience fee ), so I should receive XXXX XXXX  miles. The payment continues to show " Submitted '' but not processed, yet my credit card was charged weeks ago I have seen other reports on forums of customers not receiving their miles, and the companies are playing the blame game where they all point fingers at each other and tell you to contact the other company.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX  and XXXX should not be reporting a collection/chargeoff in the amount of {$2900.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report, along with a copy of my Drivers License and Student ID for identification purposes so the bureaus will investigate my complaint. ) I had GAP Insurance and all outstanding balances due were covered. ( I have attached a copy of my GAP paperwork for reference. ) The statement break down is as follows : Scheduled Loan Balance at Date of Loss : {$15000.00} Plus interested earned : {$19.00} Less Net Insurance Settlement : XXXX {$9600.00} ) For a TOTAL GAP payment of {$5400.00} Clearly the GAP payment more than covered the {$2900.00} that the bureaus are currently reporting. This account needs to report a {$0.00} balance. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to remove this line item however, I have not been successful.
Product: Checking or savings account

Over the years that I have been banking with Wells Fargo, I have complained multiple times about the delayed communications with their customers. In the past, when they acknowledged and validated that their communication system caused the issue, they would reverse the fees. However, management has removed that option from the escalation team and left them with the only option available : to file a complaint. 

When I receive notifications that my account is negative, I immediately make a deposit to cover the funds. Even though the deposit is made on time, the bank continues to charge me an NSF fee. I have made multiple calls complaining about this issue, and all they could do was file a complaint. Instead of finding solutions, Wells Fargo tightened its procedures, which complicated the process and discouraged customers from getting their money back. 

I am ready to leave Wells Fargo because of the unfriendly customer service. Instead of helping customers, the bank is finding ways to take money from their customers by charging fees that do not make sense. It is wrong!
Product: Checking or savings account

XX/XX/2021 a Fraud alter was added to my personal profile. on XXXX XXXX i received a checking debit card in the mail that I did not apply for. i called capital one and an account was opened in my name. there were no transactions at the time and the account was closed. i filed a complaint with capital one and was to receive a letter that I was a victim of identify fraud. to date I have yet to rec anything. XX/XX/XXXX capital one sent a change of address letter to changed to another state. 

Now capital one continues to send me several unwanted pre-approved credit card applications,. i have called capital one several times to rectify the security breech in this process, i get international representative that dont know what to do. I've set on the phone over 2 hours each time to rectify my issue. i spoke to us representatives that don't know what to do, send me to XXXX and they said that capital one has to remove my name from their mailing list. i continuously get the run around and unsuccessfully continue to receive unsatisfactorily service with a company that is jeopardizing my credit and personal identity
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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. XXXX # XXXX, XXXX XXXX XXXX, an Equifax XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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: Payday loan, title loan, personal loan, or advance loan

XXXX account is charged off, however it shows as debt. If it is charged of I should have received a 1099. Improperly listing as a debt yet charging as income is a violation, without providing a 1099 as well.
Product: Debt collection

I have disputed this account with the company and bureaus on : XX/XX/2020 and XX/XX/2020. I have asked removed this from my credit bureaus due to this is an result from identity theft. They have removed the account from XXXX.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name XXXX XXXX XXXX XXXX # XXXX - DATE OPENED XX/XX/year>
Product: Credit reporting or other personal consumer reports

Dear Experian Dispute Resolution Team, I am writing to urgently address fraudulent accounts that have been opened in my name due to the XXXX data breach. As a victim of this breach, I have identified several unauthorized accounts associated with my Social Security number, which I did not open or authorize. For your reference, I have attached a copy of my Identity Theft Report. 
The details of the fraudulent account are as follows : 1. This inquiry was not authorized XXXX XXXX XXXX Inquired on XX/XX/year> Please remove it from my credit report 2. This inquiry was not authorized XXXX XXXX Inquired on XX/XX/year> Please remove it from my credit report 3. This inquiry was not authorized XXXX XXXX XXXX XXXX Inquired on XX/XX/year> Please remove it from my credit report 4. This inquiry was not authorized XXXX XXXX XXXX Inquired on XX/XX/year> Please remove it from my credit report 5. This inquiry was not authorized XXXX XXXX XXXX XXXX  Inquired on XX/XX/year> Please remove it from my credit report 6. This inquiry was not authorized XXXX XXXX XXXX XXXX Inquired on XX/XX/year> Please remove it from my credit report 7. This inquiry was not authorized XXXX XXXX Inquired on XX/XX/year> Please remove it from my credit report 8. This inquiry was not authorized XXXX XXXX  XXXX  Inquired on XX/XX/year> Please remove it from my credit report 9. This inquiry was not authorized XXXX XXXX  XXXX Inquired on XX/XX/year> Please remove it from my credit report 10. This inquiry was not authorized XXXX XXXX XXXX Inquired on XX/XX/year> Please remove it from my credit report 11. This inquiry was not authorized XXXX XXXX XXXX Inquired on XX/XX/year> Please remove it from my credit report 12. This inquiry was not authorized XXXX XXXX Inquired on XX/XX/year> Please remove it from my credit report 13. This inquiry was not authorized XXXX XXXX XXXX Inquired on XX/XX/year> Please remove it from my credit report 14. This inquiry was not authorized XXXX XXXX XXXX Inquired on XX/XX/year> Please remove it from my credit report 15. This inquiry was not authorized XXXX XXXX XXXX Inquired on XX/XX/year> Please remove it from my credit report 16. This inquiry was not authorized XXXX XXXX XXXX XXXX Inquired on XX/XX/year> Please remove it from my credit report
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and Experian are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by XXXX XXXX XXXX which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX and Experian do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, Experian, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and Experian are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX, SC XXXX XXXX Subject : Dispute of Debt 15 USC 1692g Dear Sir/Madam, I am writing in response to your recent communication regarding the alleged debt referenced in your letter. ( Account Number : XXXX ). Please be advised that, in accordance with 15 U.S. Code 1692g, I am formally disputing the validity of this debt. 

Under the Fair Debt Collection Practices Act, I have the right to request validation of the debt you claim I owe. Therefore, I respectfully request the following : 1. Proof of the debt : A copy of the original contract or agreement, or other documentation showing that I am legally obligated to repay the debt.

2. Account history : A detailed statement showing the amount you are claiming, including any charges, fees, or interest applied.

3. Verification of your authority : Proof that you are authorized to collect on this debt, such as evidence that you are the original creditor or have been assigned the debt Please be aware that under 15 U.S. Code 1692g ( b ), your collection efforts must cease until you have provided the requested verification. Additionally, if you fail to validate this debt within 30 days from the receipt of this letter, you are required to cease any further collection activities and remove the information related to this debt from my credit report. 

This letter is sent to ensure my rights under the Fair Debt Collection Practices Act are upheld. Kindly acknowledge receipt of this letter and provide the requested information in a timely manner. 

If you fail to provide the necessary validation of the debt, I will take appropriate actions to report your violation of the FDCPA to the Federal Trade Commission and the Consumer Financial Protection Bureau. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Checking or savings account

i notified Bank of America that my information was in face compromised. I provided them with the FTC Identity theft affidavit. I went to a local branch where i explained what was going on. The banker insisted that i open a new checking account for my protection. So i opened a new account awaiting for bank of america to take action against the account that fraud was committed on. They did absolutely nothing with information i provided to them. They left the account open to rack additional fees for months.They took a entire check from the IRS i deposited in the amount of {$1300.00} on XX/XX/19 to fund an account that i reported has resulted in account takeover / identity theft i'am requesting my funds as well as the money that was taken from me in the deputes which i have provided all needed documentation the dispute # is XXXX
Product: Debt collection

First National Collection Bureau, is attempting to collect on a bill that is 10 years old. I complained to XXXX last year about they could not try to collect on a debt over 7 years old and they agreed and they said they would not attempt to collect on it anymore. Now i receive a collection letter from First National Collection Bureau, trying to collect for XXXX and they know they ca n't make a consumer pay after 7 years but they are still trying to collect anyway. I have a letter from XXXX stating they will no longer collect because its past the 7 years, and they said their is a statue of limitations. If the consumer is suppose to follow the status of limitations rule, then show should collection agencies.
Product: Credit reporting

Experian reinserted a collection that was deleted due to inability to verify/validate the debt. I recently received notification via a credit monitoring alert that a new collection had been added to my account for a XXXX debt that, prior to this action, at remained unable to be verified/validated. To date, I have received no correspondence/information from Experian in regards to the previously unverified, dormant, and deleted information regarding a XXXX debt that I am not liable for being reinserted into my credit file thus causing a significant drop in my credit score. Per FCRA sec 623 I am requesting disclosure of any and all documentation that was used to validate the data and/or justified re-adding it to my credit profile. If the requested information can not be provided then I request the derogatory information be removed from my credit profile.
Product: Money transfer, virtual currency, or money service

I was scammed out of XXXX dollars and when I requested for a refund due to fraud Zelle didnt refund my money.
Product: Credit reporting or other personal consumer reports

Closed date on XXXX XXXX XXXX XXXX XXXX is incorrect. Credit reports state accounts were closed XX/XX/XXXX. This is incorrect. Accounts were closed XXXX of XXXX.
Product: Credit reporting or other personal consumer reports

In accordance with 16 CFR Part 641 of the FCRA, I request that the address discrepancy of XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX be deleted off both my XXXX and Equifax credit reports.
Product: Mortgage

Since the year XX/XX/XXXX, Mr. Cooper has applied the following legal paid expenses to my mortgage account : Statement Date : XX/XX/XXXX Legal Fees : {$370.00} Maintenance : {$75.00} Total : {$450.00} Statement Date : XX/XX/XXXX Property Inspection : {$15.00} Property Inspection Fees : {$15.00} on XX/XX/XXXX, {$15.00} on XX/XX/XXXX, - {$15.00} on XX/XX/XXXX, {$15.00} on XX/XX/XXXX. 
Statement Date : XX/XX/XXXX Legal Fees {$370.00} Property Inspection : {$75.00} Principal payment : {$0.00} Statement Date : XX/XX/XXXX Lender Paid Expenses : Total {$450.00} Statement Date : XX/XX/XXXX Legal Fees : {$8.00} Lender Paid Expenses : Legal Fees : {$360.00} Maintenance : {$75.00} Total : {$440.00} Statement Dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX - Lender Paid Expenses {$440.00} Statement Date :XX/XX/XXXX Property Inspection on XX/XX/XXXX :  {$15.00} Legal Fees : {$360.00} Maintenance : {$75.00} Total : {$450.00} Statement Date : XX/XX/XXXX Legal Paid Expenses : {$450.00} Late Fees Charges applied 4 times on XX/XX/XXXX : {$19.00} XX/XX/XXXX : {$19.00} XX/XX/XXXX : {$19.00} XX/XX/XXXX : {$19.00} Statement Dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX : Property inspection : {$15.00} Legal Fees : {$280.00} Maintenance : {$75.00} Total : {$370.00}
Product: Credit card or prepaid card

XX/XX/2020 I tried to activate the card. Unemployment insurance stated that US bank relia card froze the account and that I needed to deal with them. US bank stated that unemployment froze the card. I have been on hold all day between the two of them. Both have pointed fingers to the other source and then won't release the money to me. I spent five hours to speak to a live person at the unemployment department and three hours on the phone with US Bank relia card services and no one has a way for me to clear this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint with regards to erroneous accounts I found on my Credit Report. The Experian, XXXX, and XXXX Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are erroneously reporting on my Credit Reports : XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$520.00} XXXX XXXX XXXX Balance Owed : {$2500.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/2016
Product: Money transfer, virtual currency, or money service

I tried to log in to my Venmo and was greeted with an error message. I tried resetting my passwords and using codes sent to my phone number, everything seemed to work, but I kept receiving the error messages when attempting to log in.
Product: Vehicle loan or lease

On XX/XX/2022, TRUIST bank stated to customers that Limited account access would happen from XX/XX/2022 to XX/XX/2022. Services were promised to be restored by XX/XX/2022. 

On XX/XX/2022, I could not access my account to pay my car loan which i have through this bank. Phone payments were also not working. 

The call center was offline on XX/XX/2022, so I called Truist customer support on XX/XX/2022. After waiting 70 minutes on hold, i got through to a client representative. The client representative stated that the information i gave to her was accurate ( username, account number, and last 5 of my SSN ). She said she would transfer me to mobile application support. She did not transfer me, instead she hung up. 

The next time i called on XX/XX/2022, i could not get through to anyone. I am still locked out of my account as of XX/XX/2022. I have attempted to contact TRUIST Customer support via XXXX, and phone. I have made several attempts to resolve the issue. My truist account has lost functionality and i can not pay my car loan as a result. I am not the only one experiencing issues with truist, as they have locked many people out of their accounts and locked debit card access, etc. I have not received any emails from Truist stating that there is a known issue.
Product: Debt collection

I called the office to verify why a courier was being sent to my home. Their office informed me that I owed XXXX companies in their office money and that if I didnt pay they would get a judgment against me and get more money than I owe. I let them know that I am XXXX and that I was waiting for a hearing the early part of next year to get an income in so I could pay them but they stated that my refusal to pay now will cost me.they told me to borrow the money and pay them now.
Product: Debt collection

XXXX Collections keeps harassing me with phone calls and text messages, regarding an alleged debt that they have purchased from Concora Credit, on behalf of XXXX. I have disputed this inaccurate account with the credit bureaus and requested for XXXX to stop calling and texting me. They then went on to contact a family member of mine. I called today and made yet another request to cease communication efforts with me, regarding this inaccurate account.
Product: Debt collection

As i have stated previously, this account from DISCOVER FIN SVCS LLC as of XX/XX/2018 until now keeps showing up and demolishing my capabilities of life advances when i have shown and sent in Documents as result of Identity theft. Please Block, and eliminate this Fraudulent account from my reports especially on my XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act.The listed accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.Accounts on credit reports are incorrect in balance and was not authorized to share. The following accounts are : 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