23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit with you has been compromised. I was going through my records & noticed many files 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 & block any account which is found to be opened due to identity theft. The dispute item do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. I found that under section 605b ( a ) XXXX and TransUnion 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, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer. 

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States XXXX XXXX XXXX, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) Please remove/block the disputed items as they were opened without my consent or knowledge, pursuant to Section 605B of Fair Credit Reporting Act. 
XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$630.00} and XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX in XXXX XXXX responded numerous time 's to my complaint recently XX/XX/28 with CFPB that said argument they don't own this debt but still showing on all my reports Equifax and XXXX which received documents showing results as well XXXX XXXX responded to you
Product: Debt collection

I made purchases in which I paid in full. 6 months later I receive an attempt to collect on further purchases, which I did not make. The company, XXXX XXXX XXXX sold my debt to Midland Credit Management , Inc. Midland put this on my credit report before ever contacting me. I contacted them to advise them that I did not owe and that they were not following Fair Debt Collection, by putting a debt that I did not owe on my credit report, especially before notifying me that they were going to do such.
Product: Credit reporting, credit repair services, or other personal consumer reports

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY

ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WIT
HOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.
Product: Credit reporting or other personal consumer reports

Hello, I have recently noticed fraudulent activity on my credit reports. What I have found, has led me to believe I may be a victim of identity theft, as I did not approve any information to be used in my name. I am requesting that these fraudulent items be deleted from my credit report at your earliest convenience. I actually have a security freeze on my accounts which should have alerted me prior to my credit being ran. I did not receive any notification or alert to my credit being ran for these accounts which is concerning. These fraudulent items are reporting inaccuracies which is directly impacting my relationships with creditors as I am going through the home buying process. Please investigate these matters and remove the disputed items as soon as possible. In addition, I have attached a PDF document reflecting all items that were found. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Bank account or service

On XXXX/XXXX/2015 Wells Fargo Bank , N.A . assessed a fee of {$10.00} to my account with the title of Currency Fee. I called the Customer Service number for my account and asked about the fee and they could not provide any details other than the fee was assessed by a branch for a cash withdrawal. The terms of my account do not provide for such a fee to be assessed based on what the representative told me. I again questioned what the fee was and how it was calculated and the representative could not answer except postulate the fee was because I had requested " large bills '' or " more than my cash limit ''. I asked to dispute the charge or open up an investigation and the agent refused to do anything and told me I had to talk to the branch. When I asked which branch assessed the fee she could n't tell me and asked me to go to the branch where the money was withdrawn. The money was withdrawn at multiple branches. 

This account has over {$50000.00} in it on most days and is a business account. I should not be charged for withdrawing my own money from my own account. 

WFB has the legal responsibility to have clear terms for their accounts as far as how charges are placed on my account and I believe they are acting in violation of disclosure laws for FDIC insured bank accounts.
Product: Credit card

I am getting calls from comenity who are saying there are transactions on a Victoria secret card from XXXX valuing at {$3000.00}. They will not provide more details because these are fraud. They will not freeze or investigate either. The company has been extremely dishonest, and I need the cards closed and the charges to be removed. I have not shopped at Victoria Secret and I have never used that credit card for purchases outside of Victoria Secret. I dont even have the card to use.
Product: Credit reporting or other personal consumer reports

You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. 

As i know the creditor didnt notify me 21 days before with a statement so there should be no late payments on this accounts. I demand to see hard solid proof from the creditor bank account that i didnt pay and was marked late because this clearly a billing error. 

The items below should all be updated to paid as agreed on my consumer report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  As a consumer by law these accounts on this letter must be updated to positive immediately or I will seek monetary compensation for violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability because Ive been violated
Product: Credit card

WHY IS SynchronyBank ISSUING ME A CREDIT BEYOND THE DISPUTE OF {$1200.00}?? This Means Your Accounting ( Statements and Billing ) ARE CROOKED and that's what i had been complaining about since XXXX. 

On XXXX, SynchronyBank wrote : " .XXXX a credit of {$9.00} posted as a merchandise return.... the credit was initiated by the PROVIDER ''. This Contradicts your earlier explanation dated XXXX stating : " In addition, a credit for {$9.00} was also applied to your balance ... as resolution for a billing dispute opened BY YOU ( XXXX ) on XX/XX/year>, in which YOU ( XXXX ) claimed you were overcharged by the merchant by {$9.00}, for the purchase in question ''. Why did you give this credit when THERE'S NO INVOICE/Charge of {$1200.00} by XXXX XXXX ? ? A credit i ( XXXX ) could never request since there was NO SUCH extra charge. YOU ARE LIARS and CRIMINALS, THAT'S WHAT YOU ARE : LIARS and CRIMINALS. 

Why does SynchronyBank Statement XXXX state : PAYMENT OF AMOUNT IN DISPUTE {$1800.00} NOT REQUIRED, WHEN {$1800.00} IS SOMETHING YOU CRIMINALS FABRICATED And Later Had To Cancel. 

Also, contrary to SynchronyBank Statement that i ( XXXX ) PURCHASED something in XX/XX/year>, SynchronyBank has NO EVIDENCE for this {$30.00} PURCHASE dated XXXX.
Product: Debt collection

I have sent 2 certified letter and several previous written letters to this company. The have failed to send me the contract agreement I have signed with them. I am not aware of ever doing business with them and they and the credit bureaus are committing fraud. I have nothing in writing stating I did business with them. Do to the FCRA this company and all 3 credit bureaus are in violation of my rights.
Product: Vehicle loan or lease

I went to a buy here pay here place got a XXXX XXXX XXXX and the finance company is Strategic Automotive servicing. I was making bi-weekly payments and one point I was having financial diffculties I was not making as many hours due to covid then my wife had XXXX was out of work for XXXX -XXXX XXXX. So I called in XXXX asked a rep if I can make monthly payments she said Yes. I made a payment for a month and have been making payments like that ever since. But every week I get calls from them stating I owe them money and I can not pay once a month because I signed a bi-weekly contract. I explain that is not what I was told. I ask did you look at thge notes they respond yes I see the notes about the monthly payment but you can not do that. I have been paying monthly. So on XXXX XXXX I get a call saying XXXX cancelled my insurance and they was going to put insurance on the car. I said OK. Then on XXXX XXXX at XXXX am a recovery truck comes to repo the car.I called them on XXXX when they opened and asked why the car was repossed? Everytime they call they I say the same thing I will make my payment on the 2rd week of my pay hopefully it will fall on the XXXX. Then they kept saying I owed {$830.00} I kept asking where is this number coming from. I was told because certain months have 5 weeks I have to pay the extra weeks of the year. I said that does not make sense if I pay once a month. On the XXXX after I asked them to send me bill because I have never received a monthly statement. XXXX said I had to make that {$830.00} payment in order to get a payment history. After I mentioned the CFPB she sent it to my email. I sent the {$830.00} to a XXXX XXXX XXXX strategicautomotive. Went to XXXX XXXX to get the car back so I waited Strategic to send over the paperwork to recover the car. The receptionist called them they told her to tell me I also needed to pay the repo fee so the rep said Oh NO you tell the cust that so she handed me the phone and the rep said that to me. I asked for the manager he got on the phone said he will not pay the repo fee. I said I will not pay it. The owner of XXXX XXXXy said customer never pay us that fee. Strategic is who called me to pick the car up not the customer. I left without retrieving the car. Strategic sent me letter XXXX XXXX stating they will be selling the car on the XXXX and if they sell the car for less then the price I am responsible if they get more they will get all the fees that has accured and send me the rest. I was making payments not sure why they repo the car then when I tried to retrieve the car they tried to make me pay more money for a service they are responsible for.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 4th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how XXXX & Experian verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 3 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a XXXX XXXX I know the court  system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call XXXX & Experian back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. XXXX  refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this bankruptcy & child support is mine.
Product: Credit card or prepaid card

I paid a {$49.00} annual fee for the privilege of a  Santander Bank credit card. Within a month of paying the fee the compa ny locked my credit card account in the interest of " fraud safety '' and would not lift the hold on my account. I called multiple times to verify the charges but the representatives on the phone insisted that I come in PHYSICALLY to a local branch to resolve the issue. A s Santander is  well aware they only operate branches in the  XXXX   XXXX  of the country. I live in  XXXX , applied for the card in  XXXX , used the card only in  XXXX , and continue to live in  XXXX . It is outrageous and unacceptable for the bank to expect me to fly out of state to resolve this issue. I barely got any use out of this card and  Santander has forced me to close my card. I paid the annual fee to use the card for a year, yet Santander did n ot even give me 1 month of use before locking my account. I still do not understand why they did this. Now, they refuse to refund the annual fee because they say that I already paid it. This excuse makes no sense whatsoever. I paid for services and did not receive them. If the bank does not refund my annual fee this is tantamount to theft. This is outrageous and despicable behavior that should not be tolerated.
Product: Credit card or prepaid card

On XX/XX/XXXX at or about XXXX XXXX, a call was placed to American Express customer service to request a lower interest rate. Spoke to a person whose name XXXX ( person had an accent not completely sure ) who suggested I change from the American Express Blue to the American Express Every Day Card. I agreed on the condition that I could get a lower fixed rate. Was offered 16 %, requested lower. Person explained that interest rate would be a particular plus price. The next offer was 14 %. Reiterated that I was looking for a fixed rate. I was assured that the new interest rate on the new card would be 14 % fixed as this was my condition to change my card to the Every Day Card. Based on this information I agreed to change from American Express Blue to American Express EverDay. Knowing this call was recorded I went over the terms of the card several times. At the end of the transaction all parties were in agreement that the interest rate would be fixed at 14 %. Received the first bill, int rate was as agreed. Upon receiving the second bill, interest rate was now 14.25 % not the terms I agreed to. Complaint filed in XXXX. reiterated the agreed upon terms. The matter would be researched, tape of telephone conversation would be reviewed. Was offered XXXX credit to compensate for the rise in interest rate. Called back on XX/XX/XXXX to check the resolution and was told to call back in another week. Called back on XX/XX/XXXX. XXXX stated that there was no complaint, he explained that he prime rate increased, interest rate can not be fixed. Explained that was not what I was told when I agreed to the new card. I was assured that the interest rate would be 14 % fixed. He then verified that a complaint was filed and closed on XX/XX/XXXX with no resolution. Requested the termination of my account as this was not what was agreed to. I was assured 14 % fixed and expected American Express to honor the agreement on XX/XX/XXXX. Called was transferred to XXXX to close the account. She set up another complaint stating the tape of the phone call would be listened to to determine if I was told the interest rate would 14 % fixed and in which case they would honor the promise. She explained that the customer service made his statements in error based on my complaint. I told her this was supposed to be done back in XXXX. Requested I call back in 5-7 business days to check on the resolution. On XX/XX/XXXX, called and spoke XXXX. Tape was listened to, there was no error. Once again attempted to explained how interest is tied to the prime rate. Asked her to stop her explanation as I stand by what I was told on XX/XX/XXXX and that my account is to be terminated. Any and all charges were to cease immediately.
Product: Vehicle loan or lease

XX/XX/XXXX my name is XXXX I purchase a XXXX on XXXX from Ally financial I have been paying on the van for over 4 years I have paid about {$17000.00} for the van already the van when I first bought it the value of the purchase price was {$19000.00} at this moment in time Ally financial is telling me that I owe them over {$19000.00} this is impossible because I already paid them over {$17000.00} I tried very hard to communicate with them and the representative of Ally but they refuse to give me statements or help me in answering my question about the amount of money they said that I owe them that I feel is not true I'm trying really hard to pay off the van and not get a repossessed but they are not helping me at all they told me at one time six months ago to get on a deferred payment plan because of the virus. They're not willing to help me at all in no kind of way or there's no one that I can speak to they put me on hold for hours at a time and never answer my questions I need some help. My cell phone XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I submitted my XXXX letter to TransUnion attempting to remedy they inaccurate reporting to my credit file, notifying them that I intend to file a lawsuit for several FCRA and XXXX violations. Their response to my letter wasn't a remedy but rather a stall tactic to buy them more time. They did not even look at my letter but stated that they think that I am a credit repair company or an unauthorized party. I have been sending them letters dating back to XXXX of 2022 and have submitted previous complaints. I can not afford to hire someone to do this so since I am a XXXX veteran I have nothing but time to read, and I chose to read the XXXX Code Laws as well as the FCRA and found several violations on my file, which to date this company refuses to acknowledge. Their response is dated XX/XX/2022 and clearly did not reinvestigate as requested. My next letter was a demand letter sent to the company 's legal department in XXXX, De dated XX/XX/2022. This demand letter shows clearly all dates of letters that were sent by myself, along with the previous letter dated XX/XX/2022 which lists each inaccurate item and the reason it should be removed. I gave them a deadline to remedy this situation by, which was XX/XX/XXXX, stating my reasons and my legal right to proceed with legal action for FCRA violations under sections XXXX and XXXX as well as my demands. all letters were sent to transUnion with a copy of my drivers license and a utility bill for proof of address. Please see attached files.
Product: Debt collection

I have been trying to pay a debt of XXXX $ for about six months now originally the debt collector was Jefferson Capital but when I contacted them to pay the debt they had already sold off the debt to another collection agency and when I contacted them to pay the debt in full they said they could find my information in there system so I'm stuck at how to go about paying off this debt that is still affecting my credit I just want to pay it in full and have it removed from my credit report but I don't know who to call to even be able to pay it off so I'm asking for help in trying to find out which company I need to contact to be able to pay thus debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX and Knight Adjustment Bureau are double reporting on the same debt on my credit file. As per my understanding, it is a violation of the FCRA for 2 agencies to report on the same debt. This needs to be fixed immediately.
Product: Checking or savings account

I changed banks from Bank of America to XXXX on XXXX of XX/XX/2023. I called the National number for Social Security and made the change. The change did not go through, and was told to call the local office. I did and the information was updated. When I called Bank of America, they found out that the 10 day closing hold on the account had not happened and it would be expedited. That was on Tuesday, XX/XX/2023. The hold was removed on XX/XX/2023. I was told that they would be sending me a check for the left over balance of {$57.00} and the SSI check in the amount of {$910.00} for a total of {$970.00}. I got this from one person. The next one told me they would be sending the check back to Social Security. Then another person told me that a check has been sent out for the {$57.00}, but the SSI check has been sent back to Social Security. That was as of Wednesday according to the man I spoke with with today, and the {$57.00} has been sent out in the form of a check, he wasn't sure what was going on with the SSI check. He doesn't even have record of a Social Security check coming to them at all. Social Security has yet to receive, any thing from Bank of America and Bank of America keep giving me the run around about it or where it's coming from, another keeps telling it has been sent back to Social Security. They have done something with my SSI check and won't give me a straight answer as to what they've done with it. I need this money, and Bank of America isn't giving me anything to go with.