23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Recently, I discovered that Credit Management Company reported a debt on my credit profile under account number accounts number XXXX & XXXX. I do not recognize this debt, nor am I aware of any financial obligation related to this account. In addition, upon reviewing my credit report, I found a duplicate entry for this debt under a different amount, creating confusion and unfairly impacting my credit score. 

I have no prior knowledge of either debt and have not signed any agreements or contracts that would authorize such obligations. Given the duplicate reporting and the discrepancies in the amounts, I believe there may be an error or mistaken identity at play, which has resulted in these inaccurate listings on my credit profile. 

To address this, I submitted a formal dispute to Credit Management Company requesting immediate validation of the debt, including documentation of the original amount, the full account history, proof of my responsibility for the debt, and evidence of Credit Management Company legal authority to collect it. Additionally, I asked them to remove both entries from my credit profile if they could not provide proper validation. 

Despite my dispute, the entries remain on my credit report, leading to ongoing damage to my credit score and an unwarranted burden of unrecognized debt. I am seeking assistance to correct this error, prevent further collection attempts, and ensure accurate information is reported on my credit profile.
Product: Credit reporting or other personal consumer reports

Due to XXXX XXXX XXXX poor record keeping, they fail to report information to XXXX XXXX XXXX XXXX XXXX. Transunion rental screening provided information to XXXX XXXX that I was evicted in XX/XX/XXXX. However, I moved from the property in XX/XX/XXXX. After contacting XXXX XXXX XXXX on XX/XX/XXXX, they completed and mailed the information informing the court that the debt was paid in XXXX. Transunion did not recongize my request to reopen my dispute. The amount noted on the judgement was incorrect as well as they informed me thar the info would be removed from credit profile when debt was paid.
Product: Checking or savings account

I had {$2000.00} of money stolen from me from Fifth Third Bank by XXXX XXXX. 
In XXXX, my XXXX checking account was hacked and I STILL DO NOT have my money back. The hacker used XXXX to steal from my account and XXXX refuses to return what was taken from me. Other Transactions were attempted and declined because they took time to contact me to verify. My online ID and password were changed several times back to back and then there were TWO separate {$1000.00} XXXX transactions allowed by their secured systems even though they were never approved by me. I contacted the bank immediately and the claimed the account would be locked. I filed a police report, printed out my verification text messages/phone calls as evidence that I DID NOT authorize the XXXX transactions coupled with filing a chargeback with Fifth Third. They declined the initial claim and it was reopened on XX/XX/XXXX. I was told a decision was required within 30 days which has passed and they do not have answers. 

I have been a loyal customer of XXXX Bank for over 25 years. I still dont have my money back and it is XXXX. This has caused so many issues for me and my family! Returned payments, etc. I went into my branch multiple times as well. 
2 {$1000.00} transactions were sent to a XXXX XXXX who I do not know, with a phone number that isnt active. 

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

The collection agency is reporting the collection account XXXX  on my credit file this is not my account I sent a dispute letter stating to send me a method of verification on the account on how they with through the process of verified the account and havent received anything
Product: Checking or savings account

On XX/XX/XXXX, I used an ATM to deposit a check for {$400.00} into my Bank of America checking account, written from an account of mine at another institution. After the ATM had processed the transaction ( with no way to cancel it ), I was informed that Bank of America would be holding the funds from this check for approximately two weeks. {$400.00} is a much lower amount than I normally deposit, and I have never in my entire history with the bank had a deposited item returned. 

On the same day, I logged into Bank of America 's online banking, and in the details of the transaction it said the full amount was " available to cover transactions posting on XX/XX/21. '' Today, XX/XX/XXXX, I logged into my non-Bank of America checking account and I can see that the check in question has cleared. I am able to download an image of the cancelled check and can confirm that Bank of America has received the funds for it from my other bank. Bank of America is still holding the funds, and will not be paying me interest, or otherwise compensating me for essentially having decided to steal money from me for two weeks. 

There were a series of debit card transactions between XX/XX/XXXX and XXXX which posted today ( XX/XX/XXXX ), but one transaction on XX/XX/XXXX did not. That transaction is now showing my account as overdrawn. 

I spoke with Bank of America 's customer service, and after being placed on hold multiple times ( totaling at least 15 minutes of waiting ), I was informed that : 1. There is no amount of evidence I can provide to prove that the check has already cleared, and noone at the bank is authorized to release the hold before XX/XX/XXXX. 

2. I will be charged overdraft fees, despite having relied upon written information provided by Bank of America 's online banking, which stated that the funds from the deposited item would be available to cover debit card transactions. 

I requested a call back from a supervisor but to date have not received one. 

I would like this complaint to be handled in writing, preferably by email. Please do not ask me to call you about this complaint.
Product: Debt collection

Keep calling with an automated system, but no way to actually talk to someone to tell them that they have the wrong number, since I have no idea who they are trying to reach or why.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Since opening my CitiBank checking account, I have experienced an ongoing issue with fraudulent alerts being placed on my account despite there being no actual fraudulent activity. All transactions flagged by the system are legitimate and have been made by me. Recently, I changed my address with the bank, and following this update, I was locked out of my account. After contacting customer service, I was informed that this hold can not be lifted until I receive a verification letter containing a code, which will take 7-10 business days to arrive. As a result, I am unable to access my account or my funds for up to two weeks or more without justification.
Product: Checking or savings account

The month of XXXX XXXX XXXX I accidentally came across documents and statements of many accounts in my name that I wasn't aware of. I addressed wells fargo and they recommended mediation for unarthorized accounts that were open in my name. We settled at XXXX which was paid out fairly quick. I begain to notice other activities that don't add up. I discovered the method they used to merge unarthorized accounts with your current active accounts. I requested mediation to solve this new issue along with dozens of different accounts since XXXX that I never owned. It's been almost 2 years of reaching out to Wells Fargo but all my accounts and history is deleted. I can't request a statement and I'm ignored or hung up on 99 % of the time.
Product: Debt collection

I've Tried To Reach Out To Get My Information Corrected And Fix All Incorrect/ Misleading Issues Concerning My Credit. I've Gained Knowledge Over The Past XXXX Years About Credit, How It Works, And My Rights. Long Story Short, I've Taken Action And Decided To Bring This Situation To A Higher Up, Which Is XXXX XXXX XXXX XXXX. I Sent Them An Email Dated " XX/XX/year>2024 '' Explaining My Situation And Received An Email Back From " XXXX XXXX '' Who Is A Part Of The " XXXX XXXX Resolution Team '' Serving Central Ohio. She Replied Stating " She's Unable To Accept My Complaint Because It Uses " Template / Formatted Language '' & Told Me To Use My Own Language... I'm Highly Confused, and Must Admit, I Am Slightly Offended That She Thinks I'm Incapable Of Having Knowledge And Advocating For Myself In Proper Terms, Considering The Extensive Amount Of Time I Have Spent Researching And Seeking Education.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act this creditor has violated my rights my rights under the Fair Credit Reporting Act ( FCRA ). As a consumer, I believe that your organization has violated my rights as stipulated in the FCRA, specifically under 15 USC 1681 Section 604 ( a ) Section 2 and 15 USC 166b.

15 USC 1681 Section 604 ( a ) Section 2 of the FCRA outlines the permissible purposes for obtaining a consumer report, restricting access to an individual 's credit report to those with a legitimate and lawful reason. This provision is in place to ensure that sensitive credit information is only accessible to entities with a valid need, such as creditors, employers, insurers, and landlords. Any unauthorized access or use of my credit report may be deemed a violation of this provision.

15 USC 166b is a significant part of the FCRA and sets out requirements for obtaining and using consumer reports for employment purposes. This section aims to protect the rights of consumers, particularly when it comes to their employment opportunities. It obligates employers to adhere to specific guidelines when requesting and using consumer reports for employment screening purposes. Violations of these guidelines can result in a breach of a consumer 's rights. 

I believe that your organization has infringed upon these provisions of the FCRA by treating a payment as late. 

I kindly request that you investigate this matter thoroughly, rectify any errors, and take the necessary corrective actions to ensure compliance with the FCRA. It is vital to protect consumer rights and maintain the integrity of the credit reporting system. 

Please provide a written response within 30 days of receiving this letter, explaining the steps you have taken to address this issue and any remedies or corrective actions you plan to undertake. Additionally, I request that you furnish me with any documentation or information related to this matter. 

Failure to address this issue within the stipulated timeframe may compel me to take legal action to protect my rights under the FCRA. I hope it does not come to that, and I trust that we can resolve this matter amicably and in accordance with the law. 

I look forward to your prompt response and a satisfactory resolution to this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello on XXXX i sent out letters to each credit bureau to remove accounts and addresses that was listed on my report and they have failed to reply in 30 days
Product: Checking or savings account

I was waiting for a package that never arrived. As I was still waiting for the package I received an email from usps to redeliver the package and update the address that was wrong. I licked on the link were it sent me to a usps looking like page where I put my address again and at the end it said it was going to charge me XXXX cents for the redeliver which I was fine with. I added my card and payed. I check my account to see if it went through and I did not see it post it. I then received an email from Chase saying that my card was added to XXXX pay which was an action I did not made. I thought it was an email about apply pay but I noticed too late. When I went back to my account I notice multiple pending transactions of XXXX dollars from different states. They were XXXX in total. I called Chase right away and the only thing they did was give me a new card and reactive my account with new username and password and gave me temporary credit. Then my claim was denied and credit was taken off. Now my account is on negative. Please help me, I lost XXXX dollars and Chase is not doing enough after I sent documents that were linked to the link of the scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX Equifax Equifax Credit Information Services, LLC XXXX. XXXX  XXXX XXXX, GA XXXX XX/XX/XXXX Re : Acct # XXXX To Whom It May Concern : On XX/XX/XXXX I disputed an account reported by XXXX in the file you maintain under my Social Security number. I was informed on XX/XX/XXXX that the item was deleted from my credit report. Now I have discovered that the item has been reinserted on my credit report. In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days. ( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. I received no such notification. This is a very serious violation of the FCRA, and I reserve the right to pursue legal action for your blatant disregard for the law. I hereby demand that you immediately delete the item from my credit report in order to avoid legal action. I am submitting this complaint separately to the Consumer Financial Protection Bureau, the Attorney General 's Office, and the XXXX. Please govern yourself accordingly. XXXX XXXX SSN : XXXX XXXX XXXX XXXX XXXX Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : XXXX XXXX XXXX XXXX requested a copy of police report in order to remove from credit report, company never respond after sending necessary documenation in XX/XX/XXXX.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, are in violation of Privacy Act of 1974 ( 5 U.S. Code 552a ) Important Definitions ( 4 ) the term record means any item, collection, or grouping of information about an individual that is maintained by an agency, including, but not limited to, his education, financial transactions, medical history, and criminal or employment history and that contains his name, or the identifying number, symbol, or other identifying particular assigned to the individual, such as a finger or voice print or a photograph ; This includes consumer reports ( b ) Conditions of Disclosure.No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless disclosure of the record would be ( 12 ) to a consumer reporting agency in accordance with section 3711 ( e ) of title 31.

Again they need prior written instruction of the individual to whom it relates.

Section 3711 ( e ) of title 31 States ( 1 ) When trying to collect a claim of the Government under a law except the Internal Revenue Code of 1986 ( 26 U.S.C. 1 et seq. ), the head of an executive, judicial, or legislative agency shall disclose to a consumer reporting agency information from a system of records that a person is responsible for a claim if ( E ) the head of the agency has established procedures to ( iii ) get satisfactory assurances from each consumer reporting agency that the agency is complying with all laws of the United States related to providing consumer credit information ; and Either way they have violated not only the Fair Credit Reporting Act but also the Privacy Act of 1974
Product: Credit reporting, credit repair services, or other personal consumer reports

These inquiries are causing a negative impact on my credit score, and I request that they be removed from my credit report immediately. I have reviewed my credit report and found that these hard inquiries were made without my consent or knowledge. ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX have not applied for any new credit or loans recently. Under the Fair Credit Reporting Act, I have the right to dispute any inaccurate or unauthorized information on my credit report. I am requesting that you investigate these hard inquiries and remove them from my credit report if they are found to be inaccurate or unauthorized.
Product: Money transfer, virtual currency, or money service

Bank of America in XXXXXXXX XXXX  is refusing to transfer a XXXX debt to my XXXX  bank account. I have cleared all of the fees. Now they are asking me to pay them {$1200.00} because I had some past overdrafts. Therefore they will not transfer the funds. They had promised me on XXXX occasions the money would be deposited before the weekend. I am still waiting and they keep finding excuses about releasing the honest funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under the laws of the FDCPA, I have contacted the ALLEGED CREDITORS myself and they have been unable to verify the information they are reporting to you ; they have not even verified that these are indeed my debts. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, all accounts that you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the account listed.
Product: Credit reporting, credit repair services, or other personal consumer reports

ACCOUNT HAS BEEN CHARGED OFF, XX/XX/2014 IN THE AMOUNT OF XXXX XXXX IT STILL SHOWS ON MY REPORT, REACHED OUT TO THE COMPANY WITH NO RETURN RESPONSE
Product: Debt collection

I reviewed a copy of my credit reports and found that there was an incorrect account on my reports. I contacted the company, Portfolio Recovery, to dispute the debt and asked that they provide me with a debt validation letter. They have not not provided me with sufficient proof that I owe this debt, except copies of bills from the company that sold this debt to them. I asked for the contract specifically bearing my signature, and Identification used to open this account. None of this was provided and they fail to remove this incorrect account from my credit reports. This incorrect account has caused me and my family much grief. I can not purchase my 1st home for myself and my family because of this error.
Product: Credit reporting

XXXX of the XXXX credit reporting agencies would not give me my free credit report online. They said there was a error or mismatch with my information and that I would have to submit my request through mail for them to determine the issue and get my credit report from them. Both XXXX and XXXX did this when I tried to get my reports for free, but when I tried to pay for them on their websites, low and behold they were able to match and confirm my identity to give me my reports. This appears to be deliberate way to charge customers to get their reports by not providing them to them for free and making it labor intensive to get them ( through email and possible long wait time ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Trsnsunion reporting closed/, paid accounts. These accounts were authorized to delete Transunion continues to see the closed accounts to credit service. This practice keeps my score from increasing and this practice has been going on for years.
Product: Credit card

SYNCB, He claims to have received in my credit report from XXXX that fraudulent debts were being made4 on my credit, and this is false. I made a call and they claim to have closed the credit card satisfactorily and without debit.
Product: Payday loan, title loan, personal loan, or advance loan

I have both personal and business credit cards with American Express. 
I have called XXXX x to be able to apply for a line of business credit but as it was previously another company XXXX it will not allow me to apply as I did have a loan with XXXX years ago and paid it off. 
i called and talked to XXXX different people over and over and they try to help but it won't allow.
Product: Bank account or service

Citibank offered XXXX XXXX miles for opening a XXXX account after meeting minimum spend + transaction requirements. 

I met the conditions for receiving the bonus in XXXX and was told by multiple support channels that the miles would post on XXXX. When the miles ( naturally ) did n't post, I was again told to wait until XXXX. As of XXXX they still have n't posted despite *another* letter stating that I was eligible for the bonus.
Product: Credit reporting

I have called Transunion, XXXX about putting an " Fraud identity alert '' on my credit report. All ( 3 ) has asked me to send proof of an police report for identity fraud, I did send the information over to them. Everytime I speak with an rep at the credit bureau, they will not take the hard inquiries off my credit report. I have send in the information that they needed, so now they need to take off the hard inquiries.