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

I received an promotional email for an XXXX XXXX credit card issuing by Bank of America. I clicked through the email to apply the card. The promotional email indicated that my first year of annual fee would be waived. However, once I received the card and call into Bank of America, I was told that the fee would not be waived and they have no knowledge of this offer. I spent over an hour on the phone with Bank of America and was told to forward the promotional email to a supervisor as proof of the offer. I was told that someone would get back to me on this. Five business days later, I still have not heard from anyone. I called back again and once again was told that they could not help me since person that can help is already gone for the day. I was told to call back again.
Product: Debt collection

Midland Credit Management has failed to provide requested documents to validate debt they are seeking. They have called my place of employment and sent letters citing pre legal notices and forwarding to attorney. In XX/XX/2019, I sent a certified letter via USPS for MCM to send documents to validate this debt however documents were not sent to validate this debt.
Product: Credit card or prepaid card

This is an issue im having with my BJ 's credit card from comenity bank. Very long story, when originally opening the account around late XXXX i received 2 different cards both under my name, since i'm XX/XX/XXXXthere i went and asked if theres anything i should do and I was told to just activate one and leave the other which is what i did, ever since that day I opened an online account to manage my card and it would come up under the other account number, called a couple of days after this to see if the issue could get fixed, was told they are updating their systems and i would be able to have my issue sorted XX/XX/XXXX or after. Called middle of XXXX to see if it could be fixed, had online account deleted and remade still with the same issue, used their easypay feature to make a payment on the card i was using ( also on the easypay page would come up as the other account number instead of the one being used ) made a payment for the XXXX of XXXX about a month ahead. Come the XXXX of XXXX when payment was due i check the account and the payment has gone to the blank account that i have not activated or used. Called them for a refund and to pay off the bill once again. Thought this went smoothly and called a couple of hours later to make sure everything was gon na go through and was told the payment was never processed and that the refund also wasn't put through. This other person did push the refund through and also take the payment which did go through in the future, unfortunately to the same blank account when i was told it would pay off the correct one. Called this morning about getting another refund and finally paying it off and this person helped with the refund and the payment and assured it would go through to the correct account but that i'm still waiting for. They also very kindly credited me the late fee that was added for my " missed payment '' .Very frustrating issue to deal with that nobody can fix apparently and its been going on for about 3 months now and i very much dont want to have any issues with my credit so i'm looking to get some help.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 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 are not relating to any transaction by the consumer. 
XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX OF XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX ; XXXX XXXX XX/XX/2022.
Product: Money transfer, virtual currency, or money service

I was scammed in XX/XX/2019 by a phone call saying they were going to charge my checking account {$390.00} for my renewal for my support for my Computer and If I didnt want this done and cancel to call a number. I did, and explained that I did not order anything. They said Sure We can take care of that, thats when unbenowing to Me thats when it started. They had Me go to a site, which now I know better after reading my XXXX XXXX XXXX XXXX, not to open any unknown sites, They claimed they made a mistake and put all this extra money in my account, I said let Me calll the Bank, the guy said Please, dont If you do I ll lose my job, Because I made a Big mistake. They knew how much was in my account, by the site they had me open, so what they did was transfer my money that was in my own account from savings to checking, and kept Me on the phone to keep Me from contacting the Bank. They said it was their money that they had returned to Me, and I had to wire the {$35000.00} back to them by money transfer. By the time I realized It was a scam, I contacted the Bank, they had Me wire it overseas, A lady at the bank tried to stop the transfer but ot was too late, She informed Me because I willingly signed for the transfer, they were not responsible. I contacted the overseas bank, and they said it wasnt on them. I am a XXXX  who thought I was up on things, but feel foolish because of how and what happened to Me, I still hear messages on my Phone from different people SS, Tech Support, etc, which I know now are scams so I don t answer. Little People it seems don t matter to Big Banks, so I guess Im one of thousands who have lost money forever to scam artists. Thank You
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion will not conduct a required investigation regarding incomplete information appearing on my credit report ( XXXX  Account # XXXX ) On XX/XX/XXXX, I received a dispute results letter from Transunion XXXX dated XX/XX/XXXX. The letter states that XXXX investigation results are verified as accurate and updated, even though the last update was on XX/XX/XXXX as indicated on the attached report they sent with the investigation results letter. 

This means, Transunion did not investigate my dispute. They ignored my dispute and sent a results letter telling me that my dispute was verified as accurate. Omitted on this report was the notice of dispute notification and the date of my dispute. 

This account is now eligible for immediate deletion.
Product: Mortgage

We acquired a loan XXXX/XXXX/2012 in the amount of {$100000.00}. The cost of our house was {$110000.00}. We currently only owe {$36000.00}. I have never been late on a payment and my credit score was XXXX when we acquired this loan, so we should not have been considered high risk. My issue is that PNC wants to require us to get an appraisal that will cost {$500.00} before they will remove our PMI. I think it 's unfair to make us pay an additional {$500.00} when our current LTV is XXXX %. Is there anything that we can do to make them remove our private mortgage insurance since we are way below the XXXX % LTV?
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX-XXXX  XX/XX/XXXX XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I have a Coinbase wallet that has a balance of XXXX. When I sign in, they say they are closing my account and I need to transfer out remaining balance to complete account closure. When I go to transfer funds, there is an error saying I don't have the privilege to send funds and to contact support, in which " support '' has been unavailable/unreachable to resolve the issue. This has been going on for years and I can't get it resolved because Coinbase does not have a phone number to talk to anyone and the Coinbase support team indicates they can take up to 3 weeks to respond back via email. With all the back and forth I am still unable to transfer my funds out and close account. I've exhausted all possibilities.
Product: Credit reporting or other personal consumer reports

Company was contacted via customer support on several occasions in regards to false reporting information attached to the credit report with no action done afterwards. 

The account concerning this company was paid and asked to be closed via phone this conversation was held with an associate of this company whom I asked three times to verify that payment was received and account was closed she stated yes and within the same month the capital one company attached a delinquent account to my credit report as a charge off. 

Ive asked and disputed multiple times and they still wont remove they even reported it with the wrong address and balance its affecting my livelihood.
Product: Credit card or prepaid card

Upon receiving my billing statement from Barclay this month I notice that a past due fee of {$500.00} were charge on my account. I have been making payments on time every month of {$500.00} during the investigation not once was I late. Complaint number ID XXXX.
Product: Vehicle loan or lease

I have filed complaints with the XXXX and the credit reporting agencies in refrence to a data provider NATIONAL AUTO LENDERS. I requested to please provide physical proof so I can validate the account and the alleged alligations. National Auto Lenders States whats being reported is correct but has not to respond to my certified request to allow me to verify the account or send me anything inrefrence to this ccount to support their statement. Im only inforcing my credit rights per section 609, please understand im well within my rights to request and verify this information without being ignored or insulted for inforcing my rights. I have also made an attempt by phone and was advised that I will recieve a call back but unfortunitely again to my disappointment no one responded or call me back. I have attached the letter sent to National Auto lenders and reciept of successful delivary. 

*Please be advised, My request for deletion only supports the FCRA and laws thats inforced for inaccurate, incomplete, unverified and unproven statements and alligations.
Product: Checking or savings account

In XX/XX/2022 I wrote a {$2500.00} check from my business account, payable to a Vendor that my company has made payments to before. The vendor sent me a reminder notice that they had not received my payment, however, according to my bank records the check was cashed. The check was stolen and cashed by an unknown person. Even though the check was addressed to a business, from a business, somehow an individual 's signature was endorsed on the back and the funds were withdrawn from my account. I first called the Bank XXXX # for guidance. They told me to go into the branch and file the necessary paperwork to start an investigation. I went into the branch, filed ALL of the requesting documentation, including a statement from my Vendor attesting that they never receive the check. Was advised that this could take up to 3 months to resolve. It is now going on Month 4 without a resolution. When I call the Banks XXXX number, they tell me to go to the branch. When I go to the branch, they call a number and tell me that all my paperwork is in order, and that they were just waiting for payment from the Bank that cashed the check in error, before they can put the funds back into my account. Was told that I should hear something soon. That has been more than a month ago. I can not get a response from the Bank that clearly tells me the status of this matter, even after 4 months and counting.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX XXXX XXXX  accounts should have been in a deferment or forbearance XXXX XXXX XX/XX/2017. My XXXX  loan is showing correctly but my XXXX  XXXX is not. I have filed multiple inquiries with the 3 CRA 's and with XXXX XXXX directly with no resolution. 
Each account with XXXX  XXXX is showing 6 DQ payments, for each loan and it is severely impacting my score. The information caused other card issuers to close my accounts in 2017. I was promised investigation by phone with XXXX without any resolution. Every-time I have called, individuals say they can see the error and submit a request to adjust but then nothing ever comes of it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX  and XXXX  should not be reporting any lates on the DEPTEDXXXXXXXX partial account numbers XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; and XXXX. ( Please see page attached from my credit report ; list of accounts and spreadsheet. ) XXXX XXXX XXXX out of XXXX, Georgia is currently in a class action lawsuit for not keeping promises made to students. They guaranteed they would assist in finding work after graduation, providing externships, and if needed, the college would provide additional education. I never received my Certificate for completing the program and the college has since lost its accreditation, has been closed, and consequently my education is completely worthless. ( I have attached one of numerous articles relating to the misrepresentation from the college for reference. ) I have on multiple occasions tried to reach the college however, the office is closed and there is no forwarding telephone number or address. The false reporting of lates on these student loans is seriously harming my credit score and these line items need to be removed from my credit report. I have also tried contacting the bureaus to remove this however, I have not been successful.
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX. Company made Threats and tarnished credit file while diagnosed with XXXX XXXX. Company added stress to regarding payments. Unable to work due to condition. Requesting removal of late payments and negative tradeline
Product: Credit reporting, credit repair services, or other personal consumer reports

My student loans had gone in default and were transferred to a collection company- back in 2018 I setup a payment plan to bring those out of default but the old information still shows on my credit report. In addition that company helped me consolidate my debt owed to middle XXXX XXXX XXXX into my loans that are out of default and back to being processed through XXXX XXXX and are currently deferred due to Covid 19. The XXXX old account information still shows on my report as well. This year I submitted a new fasfa and tried to reenroll at XXXX. I was told I still owed that account balance that I had thought was consolidated so I paid it to the school in order to enroll. After I submitted a complaint with you I noticed my consolidated loan balance went to XXXX rather than XXXX refunding the money to me during a current hardship as a single mother. I decided not to reenroll at the college due to a multitude of troubles that I endured while registering and with the financial aid awards being different than what I had been told in correspondence from fasfa. All the old holders of my loans before transferred or while in default are still showing also.
Product: Credit reporting

Beginning XX/XX/XXXX, I needed to get a vehicle using my credit. To my shock I kept being told that my score was extremely low. I was n't shocked that it was low because I typically always pay with cash. I begin to look at my report and they are riddled with information that is NOT mine. I began to send via fax and call on the telephone reporting these inaccuracies on my reports. At the same time, I began to research the FCRA at length, and I am appalled of the items on my report and how they got there..I can not tell you the number of times I have called XXXX, Transunion and XXXX . I have had some things removed but these bureaus are not following the law regarding removing items that are not physically verified. There is no original documentation of these debts proving to be mine. No signature or ID..Repeatedly I have disputed the SAME items, and they remain a part of my credit file. These Credit Bureaus blatantly and defiantly break the law and I am suffering because of it. My score NEVER reflects the deletions. For example, recently XXXX Judgements were removed and my score stayed the same. It is a travesty that I am being punished for debts that were NEVER mine buy agencies that are supposed to have clear accurate information.. 


Thank you for your consideration and prompt action in this matter. 

XXXX XXXX XXXX
Product: Debt collection

Portfolio Recovery Associates LLC XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX Above named Portfolio Recovery purchased XXXX  account and continued to harass me after I told them many times - this debt did n`t belong to me. 

XXXX XXXX filed lawsuit against me on XX/XX/2020 with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ohio XXXX Case NO XXXX XXXX Account was previously owned by XXXX. 
XX/XX/2020 I received a letter from XXXX  that the account was fraudulent and decided in MY FAVOR that I don`t owe THIS debt. 
I am requesting that Portfolio Recovery Associates removes the summons from the XXXX XXXX XXXX XXXX. 
I am requesting a letter of apology and that the collection account is CLOSED,
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX. Company Inquiries : XXXXXXXX, XXXX, XXXX XXXX   XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

According to rep with XXXXXXXX XXXX in bank security dept by the name of XXXX, an amount of {$140.00} was sent to Wells Fargo along with another amount of {$690.00} as part of a fraud claim. I spoke with XXXX on XX/XX/20, was advised of the above, unable to obtain check numbers for payments or reason amount of {$140.00} sent to Wells Fargo and not myself. There is a current CFPB complaint against Wells Fargo regarding the payment amount of {$690.00}, which is being handled by a XXXX in corporate office, unable to reach her by phone, I am providing information regarding additional payment amount of {$140.00} here. It appears both payments sent directly to Wells Fargo and not to a specific account, which was mentioned in prior CFPB complaint and attempted to advise XXXX of today, unable to do so. I've attached XXXX XXXX  letter here showing amount of {$690.00} sent to Wells Fargo, letter dated XXXX. I do not have letter showing amount of {$140.00} sent to Wells Fargo as of yet, however, I believe bank security can do a conference call with Wells Fargo to confirm. Complaints marked as duplicate will be resubmitted to other agencies, request investigated by CFPB
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credt Reporting act XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX 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 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

Ed Financial is reporting I owe {$70000.00} in school loans which were forgiven in 2022 under XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act : XXXX Account # XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account # 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 an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate 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