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

First National Bank of Omaha, XXXX account. 
The credit card issuer is refusing to dispute the charge with the merchant. 
In the first week of XXXX I called the bank to dispute the purchase on my card which was a recurring charge from XXXX XXXX XXXX at XXXX that happened on XXXX XXXX when I was out of the country. I have cancelled the service on XXXX XXXX pursuant to new automotive coverage I purchased on XXXX XXXX deeming the service no longer necessary. After a very long wait time the representative told me that the purchase will be disputed and the temporary credit issued ( it was n't ). I also XXXXquested that the XXXX XXXX XXXX charges be no longer accepted. However when I received the statement XXXX weeks later it appears that the purchase was not only not disputed but the new charge from the XXXX XXXX XXXX dated XXXX XXXX allowed. When I called about this, again after about XXXX min wait, I was told that the XXXX purchase was not disputed since the company has 30 days from the original time to have the dispute initiated, contrary to what I was told on the first call in the beginning of XXXX. I requested the supervisor to review the call and inform me why the XXXX charge was not disputed contrary what was communicated. Furthermore on XXXX/XXXX/XXXX I received a statement from the bank that it will not dispute the charge after all and that it is my responsibility to contact the XXXX XXXX XXXX ( I did so twice in XXXX and XXXX ) to have the charge credited. 
Issues : 1 ) Why the the bank has a very long wait times to even get a basic service? 
2 ) Why the CSRs are misrepresenting the dispute process and telling people that the dispute will be initiated and escalated when it is n't? 
XXXX ) What does it say for the corporate culture that is not protecting consumers from unauthorized charges and allowing 30 days for additional unauthorized charges and possibly illegal behavior to occur? 
4 ) Why is it ok by the bank representative to say to the consumer that the dispute is initiated when in fact it is n't and the bank feels it has 30 days to do so contrary to what is represented? 
5 ) Is the refusal to dispute the charge a form of retaliation for the criticism of its operations as it appears to be in my case? 
6 ) In its communication to me the bank stated it requires proof of the cancellation of the XXXX XXXX XXXX service. Since the enrollment and cancellation transactions took place on the phone does it require both transactions to be recorded? Since it is illegal for anyone in IL to record transactions without prior consent, does it mean that as consumer of the bank I have to violate the law since the XXXX XXXX XXXX reps refused to give me a consent for the call to be recorded? 

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

XXXX XXXXXXXX XXXX XXXX I contacted Equifax about the following negative accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Debt collection

Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 
At this time I will also inform you that if your offices have or continue to report invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. 
I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. 
If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within XXXX days from the date of your receipt, all references to this account must be deleted both accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX In XX/XX/XXXX I notified customer service that I'd been directly impacted by Hurricane Irma and both my county of residence ( XXXX ) and employment ( XXXX ) had been federally declared National Disaster Zones. XXXX XXXX XXXX did not have any assistance programs in place so I continued to make the monthly payment. In XX/XX/XXXX I again contacted XXXX XXXX Customer Service at which time they offered to place my account in forbearance between XX/XX/XXXX - XX/XX/XXXX during which time payments would not need to be made, interest wouldn't accrue, late payments wouldn't be assessed and negative credit reporting would not occur. 

When billing reoccurred in XX/XX/XXXX, I disputed the amount owed because it contained late fees and accused interest for 6 month forbearance period. I escalated my concerns to the Customer Service Manager in XX/XX/XXXX and XX/XX/XXXX when these same charges were being improperly assessed. This continued through XX/XX/XXXX at which time they reported my account as a charge off status, reported all payments from XX/XX/XXXX - XX/XX/XXXX as not paid and serious delinquencies to all three credit reporting agencies and sold the original account that was still for the disputed amount to XXXX XXXX   in XX/XX/XXXX and they continue to report collections and serious delinquencies until current, XX/XX/XXXX. This has drastically affected my financial ability to recover and continues to impact my credit scores and livelihood. I believe they fraudulently charged off the account and sold it to XXXX XXXX because they were unable or unwilling to honor the original forbearance guarantee. I have disputed this with XXXX XXXX XXXX, XXXX XXXX, XXXX, Transition, and XXXX to no avail.
Product: Credit reporting, credit repair services, or other personal consumer reports

My wife and I sent investigation requests to Equifax back in XXXX. I am attaching a copy of the request we sent them. My wife received her investigation results well over a month ago. To date, Equifax has not sent me anything. I have sent several follow-up letters to Equifax. Still nothing.
Product: Credit reporting, credit repair services, or other personal consumer reports

My idenity was exposed an released by experian an i dont know what to do an XXXX XXXX is a complete joke i dont know why i have hard inquiries non of that im not applyomg for anything this is experians fault an the ecknowlefged that as well dates are researchable
Product: Mortgage

Standard Mortgage, who has my mortgage, made mistakes when renewing my insurance this year and double charged my escrow account for it. On XX/XX/XXXX, they paid XXXX XXXX {$7600.00}. Then on XX/XX/XXXX, they paid for additional hazard insurance from XXXX for the same amount, {$7600.00}. 

In XXXX, my mortgage payment vastly increased because of this, going from {$1800.00} to them demanding {$2500.00} to correct the erroneous escrow deficit. I contacted the company repeatedly over the last month to try and get the escrow amount restore and my monthly payment down. Despite being told they were aware of the problem, they have still not fixed the escrow or my monthly payment, going so far as to charge me a late fee and sending debt collection communications. 

My payments for the correct amount are not being counted as payments because of their mistake. In addition to being wrong and bad business practice, this is additionally lowing my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed the information to verify showing that the account was mine  XXXX  times. The results never came back as verified in my rights is that the account suppose to be deleted off my credit report.
Product: Credit reporting or other personal consumer reports

I am requesting that these unauthorized inquiries be investigated and removed from my credit report promptly. Please find attached any necessary documentation to assist in resolving this matter. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Target.com was supposed to issue a refund but did not causing Target Credit Card to incorrectly report me for late payment even though I was led to believe there will not be any charges. This was for order number XXXX. 

I called Target Credit Card several times and the representatives must first admit that this was a target.com error to remove the late payment report. But Target.com did not get back to me dispute several secure messages sent using the Target platform.
Product: Debt collection

I have submitted multiple disputes with the bureaus and not one response from them!!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/19, I settled a XXXX XXXX account in full. I owed {$5500.00} and paid {$2400.00}. I have a letter that says this is settlement in full, however, my credit report is showing I still owe a balance. XXXX   investigated but says my balance is still {$3100.00}. Even after I provided the letter as proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX is being reported to my consumer report which is violation of the fair credit reporting act. Transunion violated my right to privacy pursuant to15 USC 1681 section 602. Transunion also violated 15 USC 1681 section 604 A section 2, which states a consumer reporting agency can not furnish an account without my written consent/instructions. Transunion also violated the XXXX XXXX XXXX XXXX, pursuant to SEC. 501. of 15 USC 6801, Transunion should make it an obligation to respect the privacy of the consumer and confidentiality of my non public information. 

They have not provided me any documentation proof my direct written consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts are unknown and unauthorized by me. My identity has been compromised in numerous ways to the point that i can not just pin point the exact source. Years ago my identity was lost with my wallet. But I also know i been a victim of the dark web as well as the infamous XXXX   breach. All these episodes are beyond my control. Therefore, I'm demanding that the following unauthorized accounts be removed and block from my credit file immediately. 

1 ) XXXX XXXX XXXX {$120.00} 2 ) XXXX XXXX XXXX {$320.00} 3 ) Dept of ED/XXXX  {$7700.00} 4 ) Dept of ED/ XXXX {$5100.00} 5 ) Dept of ED/ XXXX {$5700.00} 6 ) Dept of ED/XXXX  {$5000.00} 7 ) Dept of ED/XXXX  {$1600.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

The balance on this account is incorrect. It should be {$940000.00}. 


Account Number XXXX Condition Open Responsibility Individual Current Balance {$950000.00} Original Balance {$950000.00} Limit XXXX XXXX  Monthly Payment {$8300.00} Last Payment XX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

Im a victim of identity theft and I have given notice to Experian, XXXX, and XXXX about the fraudulent credit card account from XXXX XXXX XXXX. XXXX  and XXXX are in compliance but Experian has stated they can not block or remove this fraudulent account. I have given Experian my Identity Theft Complaint, Police report, and US Postal Inspector about the stolen mail and identity theft.
Product: Debt collection

Mid Land Credit keep calling my old employment and said they need to talk to me about a credit issue. I can't remember that old number but an ex co-worker called me to say some people were talking about it in the office. 

I am not sure of my rights but that is embarrassing and it is an XXXX XXXX. Also, if an debt is closed on your credit how can a collector start calling you? This happened with a bill that was 5 years old. Please advise with this matter. 

Thank you, XXXX XXXX
Product: Debt collection

Dear Bank of America Team, Cc : CFPB Team, I am writing to express my serious concern regarding XXXX accounts reported by your company on my credit report, which were allegedly opened in XX/XX/XXXX and XX/XX/XXXX. I have already filed an FTC Identity Theft Affidavit and submitted other documents, yet I am still not aware of these accounts. Despite my disputes with the credit reporting agencies, your assertion of the validity of these accounts has been upheld. 

I want to clarify that I have no knowledge of or engagement with your company or any original creditor associated with these accounts. The inaccuracies in reporting these accounts appear to be a result of fraudulent activity and constitute violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

To resolve this matter, I request the following documentation : Proof of Debt : Provide evidence of the alleged debt, including any contracts or agreements bearing my signature. 
Authorization : Evidence of your authority to collect this alleged debt under 15 USC 1692 ( e ) and 15 USC 1692 ( f ).

Legal Basis : Documentation detailing the legal basis for your collection of this information and the alleged debt. 
Operational Authorization : Proof of your authorization to operate in my state.

Account History : A complete account history, including any collection-related charges.

Additionally, I am filing a formal complaint for violations of my consumer rights under the FCRA and FDCPA. Under 15 U.S.C. 602 ( a ), I am entitled to privacy, and 15 U.S.C. 604 ( a ) ( 2 ) requires written instructions before any account can be furnished. Consequently, I demand that all communication and collection activities related to these accounts cease immediately. Furthermore, I request the deletion of these accounts from my credit report due to their unrecognized status and the absence of any contractual obligations.

Your actions have violated the following sections of the FDCPA : 1692d : Harassment or abuse in connection with debt collection.

1692e : Use of false, deceptive, or misleading representations.

1692g ( b ) : Failure to properly disclose my rights.

1692f : Use of unfair or unconscionable means to collect a debt.

I expect the immediate deletion of these accounts from all credit reporting agencies. Your actions have significantly impacted my credit report and overall financial wellbeing, and I anticipate prompt rectification of this issue.

Thank you for your attention to this matter.
Product: Debt collection

My bank where I do business notified me when the underwriter pulled my credit report there was a collection on my credit report for a medical bill for the amount of {$540.00}. They asked me if I was aware of it which I was not. They did not send me a letter. They suggested that I pull my report off of XXXX for review and dispute. To my surprise there it was XX/XX/2023, and a collection was placed on my credit reports with all credit bureaus. I became upset then it was suggested to me to report the agency for bad business practices and deception. They didn't give me the opportunity to investigate the matter. This now explains the people calling all day asking for me then when I say can I help you? They just hang up. On one of my credit reports, there's the threat of having an attorney. I have not given any agency permission to buy or sell my personal information. Today I sent them a letter by mail and faxed it to the address shown on my credit report whenever they receive it for further information. I would like to know more concerning this matter. This has caused me detrimental harm concerning my personal life and business by placing derogatory information on my personal credit report without my written permission. ***I Could not attach a copy of the letter that was sent this evening XX/XX/2023 by fax and another by mail. I'm requesting further VALIDATION information about this company which goes by XXXX different business names ; XXXX XXXX XXXX, Nationwide Recovery Services, and XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have inquiries that I dont recognize, Or that I did not apply for please remove these from my credit file for they was not authorized thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

I was never disputing that certain accounts were open but the time frame that the accounts were in negative is all false my accounts have always been current being that from the Department of Education so long as you remain in school you don't own any loans so having {$15000.00} in loans while still attending school full-time has dropped my credit score and XXXX score really low I'm not able to do anything and I have fought and fought for the past three years and nothing has come of it I have always been in current in my Department of Education my status should be current payment status okay and XXXX was never a charge off I paid that bill in full so not only should it be a positive outlook it should not be a negative charge off as well as I never had a XXXX phone bill so I have no clue what to say about that or house that was put on to my information section as well as many of the address is that on my credit report I'm not addresses that I have resided at at any point in time except a few please make the corrections that are needed I am XXXX XXXX kids XXXX XXXX XXXX I'm trying to do the right thing in life
Product: Checking or savings account

Robinhood has restricted my spending account, completely cutting off access to my direct deposited social security XXXX payments. This happened less than a day after my funds were direct deposited ( Friday, XX/XX/XXXX ). 

No one at Robinhood will tell me why the accounts were restricted, or how long it will take for the restrictions to be lifted. 

I have furnished them with XXXX photos of the front and back of my social security card, bank statements, selfies, and other documents. 

I am XXXX and unemployed, and have been cut off from every penny I have. Robinhood support has been abysmal, and has refused to give me any relevant information or relief.
Product: Debt collection

XXXX XXXX XXXX XXXX showing for {$55.00} Original was purchase by Receivable Solutions and I paid in full {$400.00} on XX/XX/XXXX for all medical bills to Receivable Solutions for this collection.
Product: Credit card or prepaid card

My credit has been in very good standing now for years. I've been keeping up with all my bills and have most of my credit card payments on automatic payment for the month so I don't forget. Unfortunately, there were still one or two that I hadn't signed up with, for this service. One is Comenity Bank the holder of a store credit card. I recently approached this bank after receiving a late fee about a month ago. Apparently, I forgot, after almost a year of paying on time and paid a couple of days late. Actually, I had thought I had been paying for well over a year on time. When I asked for a waiver, they were quick to point out that they had already waived a fee about ten months ago and were not prepared to waive one again. Wow. I told them that I really regret to hear that during these times, when so many people are in hardship ( we actually have our mortgage on deferral for over one year right now ) that this bank will not waive another late fee. I have since set up automatic payments. They can see this. Since this is a decision that this bank is remaining strong on, then I want to close this account. All it is, is an account that has got me into debt. High interest rates, now late fees, slow returns where I can not even keep up on what I returned and if I got the proper credit. I told them that if this fee is not waived I am going to have to close my account for a combination of the above mentioned reasons. Apparently they could care less and even told me how to close the account! Wow. Unbelievable. Even with what happened. A major Pandemic. People really struggling, still, well over a year later and they say no. Shame on this bank. Shame on them. I want this noted.