23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX RE : Validation for Account No : XXXX T o whom it may concern : This letter is in response to your attempt to collect an auto loan for account XXXX. This account was opened under the false representation of my name. This is neither an acknowledgment of debt nor refusal to pay, but a notice to request validation. 
Under the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to request validation of the debt that you allege I owe you. This is not a request to verify the debt, but rather a request for you to provide complete and competent evidence of my contractual obligation to provide payment due to you. 
Please provide the following alleged information to me within thirty ( 30 ) days for the receipt of this letter. [ INSERT ALL THAT APPL Y ] [ Creditors Name and Full Address ] [ Name of Debtor of record ] [ Full Account Number ] [ Amount of Debt ] [ Due Date of Debt ] [ Original Charge O or Delinquency Date ] [ Explanation of how the Debt was calculated ] [ Evidence that the Debt is within States applicable Statute of Limitations ] [ Name of collection Agency or Owner of debt, if applicable ] [ Amount Paid if Debt was Purchased ] [ Completed and Executed Agreement, including Signature Pages, for the Debt ] Pursuant to my rights under FDCPA, I will not be responding or acknowledging any further collection attempts from you until you have verified that this debt is mine
Product: Checking or savings account

My name is XXXX XXXX and I am a victim of fraud of my information. There is also incorrect information that appears on my credit report and to the banks. 

Banks such as XXXX, XXXXXXXX XXXX XXXX, Bank of America, XXXX XXXX XXXX XXXX XXXX 

When applying to these banks, I am denied due to inaccurate information provided by CFPB and XXXX XXXX as well as any other XXXX that reports my info. 

I will like to file address XXXX, Bank of America, XXXX XXXX  and any bank that has a negative impact on my profile. 

For more infor, please contact me at XXXX or XXXX
Product: Debt collection

On XX/XX/XXXX, I visited my Primary Care Physical 's office for XXXX XXXX and XXXX. Total billing was {$220.00}. In XXXX, XXXX my insurance XXXX declined the claim as " administrative services are not covered '', thus {$210.00} of the billing was not paid by insurance On XX/XX/XXXX provider transfer the bill in the amount of {$210.00} to Collection Agency " Overton Russell Doerr '' On XX/XX/XXXX I paid provider the full amount of {$210.00} with my own credit card On XX/XX/XXXX, When XXXX  XXXX XXXX run my credit report with XXXX, it still shows that I have " a derogatory public record or collection appearing on my consumer credit report '' On XX/XX/XXXX when XXXX XXXX XXXX run credit report via XXXX XXXX, it shows, again " i have Derogatory public record or collection filed '' I have called Overton Russell Doerr many times requested documents about my account payment as well as status, I have not received any from them
Product: Debt collection

I have written this company because i never received a dunning letter. I sent out on XX/XX/18and one on XX/XX/XXXX. They have not written me back on my account that is hurting my credit score. Please see attachments.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit reporting act. The list of accounts below has violated my federally protected consumer privacy and confidentially under 15 USC 1681.

USC 1681 section 602 A -States I have the right to privacy.

USC 1681 Section 604 A Section 2 It also states a consumer reporting agency can not furnish an account without my written instruction.

15 USC 1681 c ( a ) 5 No consumer reporting may make any consumer report containing any of the ff information or any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

XXXX XXXX XXXX - {$1700.00} XXXX XXXX XXXX XXXX - {$2500.00} XXXX XXXX XXXX XXXX  {$4700.00} XXXX XXXX XXXX XXXX  {$2100.00} XXXX XXXX XXXX XXXX XXXX {$3100.00} XXXX XXXX XXXX XXXX XXXX {$750.00} XXXX XXXX XXXX XXXX XXXX {$8400.00} XXXX XXXX XXXX XXXX XXXX {$9300.00} XXXX XXXX XXXX XXXX XXXX {$9100.00} XXXX XXXX XXXX {$6900.00} XXXX XXXX XXXX XXXX {$9400.00} XXXX XXXX XXXX XXXX {$7800.00} XXXX XXXX XXXX XXXX XXXX {$9200.00} XXXX XXXX
Product: Credit reporting or other personal consumer reports

Lender tried to pull equifax credit on XX/XX/year>. Mortage lender went to pull final equifax it showed that the report was showing XXXX credit history. Contacted equifax spoke to Custmer service manager stated there was an inconsistency on the social security number but was able to pull the report back in XX/XX/year>.
Product: Credit reporting or other personal consumer reports

Bank of America XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts are showing on my credit report which I don't recognize. I tried to file a complaint before to these companies to remove it from my credit report, but no action was taken.
Product: Money transfer, virtual currency, or money service

Branch App does not have a fraud prevention department. They have a computer that sends generic responces to fraud claims and they dont investigate any claims. I have not received any communications from Branch apps so called fraud department. I have XXXX unresponded emailed requests for attempted communication that were sent to this fraud department. Branch app support has submitted requests for contact to this fraud department on my behalf also unanswered. Not XXXX single Branch app support employee or supervisor can give you any contact information or even a name of a supervising individual in charge of the fraud department. I stongly believe with good reason that Branch app does not have a fraud prevention team like they are required by US Law to have. My Fraud claim was not investigated. Branch app should be liable to repay me the {$640.00} dollars I lost to fraud because they were negligent in their duty to properly investigate my fraud claim. I submitted police report and a fraud report filed with the FTC, neither of which were reviewed by the non existant fraud team during their alleged investigation. No supporting documents for their decision was ever sent to me. No communication has been made to me at all from this fraud team.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account name : XXXX XXXX XXXX Account number : XXXX Account name :XX/XX/XXXX Account number : XXXX Account name : XX/XX/XXXXAccount number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I'm still having having serious issues with Discover Financial Services, LLC and XXXX  involving errounesly reported on my credit bureau. The item that XXXX  and Discover continue to mark as duragatory was placed on my Bankruptcy schedule as an honest mistake, yet, no one wants to help me with it's removal. In it's letter to my attorney, Discover clearly acknowedges that ( 1 ) There were never late payments, ( 2 ) The balance was paid in full, and ( 3 ) The balance was paid in full XX/XX/XXXX prior to my XX/XX/XXXX bankrutcy filing. Thus it should have never been on the bankruptcy schedule to begin with, just an error on my part that I'm being penalized for. I explained to XXXX  that no one is perfect and it was an honest mistake on my part that it was on the schedule and now it's causing me financial hardship in obtaining a loan on my personal residence. I explained the situation in it's entirety and they promplty removed it from my credit bureau in one day.
Product: Debt collection

Date reported on my credit report was XXXX XXXX. 
The amount is indicated XXXX XXXX. 
I do not know nor did I owe this dollar amount to the original creditor XXXX. 
I have written several letters to the company shown on the collection asking them to verify this debt as belonging to me. The company that is shown on the credit report is Oliphant USA , LLC XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. 
This debt is not mine and I have no results from my request. I want this removed from my credit report because this debt is not mine. 

Please assist.
Product: Credit reporting or other personal consumer reports

A review of my credit report showed several discrepancies regarding late payments. These records are inconsistent with my usual payment behavior. Id appreciate it if you could correct this and update my account.
Product: Credit card or prepaid card

THIS IS NOT A DUPLICATE COMPLAINT So synchrony needs to step forward and look into this issue. 

Enclosed there is a printout from Ashley I was to receive a {$50.00} credit on my first order with my Ashley card, however when Synchrony decided to close the account, I got billed the complete amount. 

I can not get a statement online or make a payment. I need a statement so I can pay the balance. If this is another Synchrony tac-tic to make me late, it is unacceptable. 

The coupon says in store, but the stores are closed due to Covid-19, at least at the time of my order. And it appears they issued the credit to avoid legal actions. 

But the three letters received by Ashley customer services show the original balance.
Product: Credit card or prepaid card

On XX/XX/XXXX I made a payment of {$120.00} to total visa the payment was returned by my bank, the payment was retried by XXXX XXXX and was credited to the account on XX/XX/XXXX and settled on XX/XX/XXXX. On XX/XX/XXXX I sent an email to the company after speaking to a representative and they advised me to send an email describing what happened. I received a response and was given a complaint number XXXX. After not hearing a response I reached back out on XX/XX/XXXX and requested an update with a customer rep I was not satisfied with the response and asked to speak to a supervisor the supervisor told me they had 60 days to investigate and would reach back out to me and offered a credit of a late fee to be returned. This issue was never settled and no one reached back out to me. While the issue was supposedly being investigated my report was hit for late payments for the months of XX/XX/XXXX, XX/XX/XXXX, and again in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. As I am sure you are aware they violated my rights and did not only not properly investigate this issue but while investigating this issue they reported late payments to the credit bureaus and continued collection efforts while the issue should have been under investigation I have quoted the statue in which they have also violated 1026.13 ( d ) ( 1 ) ( 2 ) Adverse credit reports prohibited. The creditor or its agent shall not ( directly or indirectly ) make or threaten to make an adverse report to any person about the consumer 's credit standing, or report that an amount or account is delinquent, because the consumer failed to pay the disputed amount or related finance or other charges.
Product: Checking or savings account

My account with Optum ( # XXXX ) remained open since I asked for it to be closed in XXXX, XXXX. Been getting charged a montly fee for 4 years now. I called in XX/XX/XXXX asking for a refund and a back pay for my cherged fees. They agreed to refund me the balance of the account of {$320.00} plus {$15.00} for past 5 months of fees, for a total of {$330.00}. I never received the check and have been calling as asking for it in XXXX, XXXX, XXXX and twice in XXXX. I finally received a check for {$12.00}. Which they say it's for the {$15.00} ( 5 month refund, nimus another month of {$3.00} fees ). 

I keep getting the runarround and now somhow the account is closed and has {$0.00} in it.
Product: Credit card or prepaid card

I reached out to Best Buy after seeing a large interest charge to purchase charged to my account. I hardly use this card and would pay the minimum or a little over each month which is calculated by Best Buy. I made a purchase 24 months ago using the promotional offer they offered on a couple of items. I was paying the amount due and didn't add any other large purchases to the card. 

Apparently, they would take the minimum amount and use it towards any amounts with interest and not towards the promotional purchases. They also defer the interest for the 24 months for the full purchase amount. They take the minimum amount and apply it to any purchases that have interest charged. If there is any remaining balance ( which there will be if they are applying payments to interest and not the promotional purchases ) you will be charged the deferred amount in full at once. An example is if you bought something for {$1000.00} and you still had {$20.00} to remaining at the end of the 24 months they will charge the deferred interest for the entire 24 months charged for the {$1000.00} at once. My credit card balance increased from {$2600.00} to {$4200.00} in one month.

This is the second time this company has done this to me. I called to close my account and get on a payment plan to pay this off because I did not expect my balance to increase by that much in one month. They said they had no payment plans available and I am still required to pay the minimum requirement that increased from {$40.00} to {$140.00} a month. This is insane and so insensitive towards their customers. I've had this card for over a decade and have never been able to get it down to XXXX. I would suggest anyone to never get a best buy credit card. It is a hoax to keep people paying and in debt if you are unable to pay the amount in full at the end of each month. Do not fall for the promotional offers!
Product: Debt collection

I got a phone call today at XXXX XXXX and they asked my name and my 4 last digits of my ssn. 
I asked who is calling and they refused tell me.

They said they are collector agent from a XXXX  bill.
Product: Checking or savings account

I have been a long-time Customer of Bank of America ( i.e. greater than 20 years ) and have several checking and savings accounts with them. My credit rating is north of " 800 ''. On Friday, XX/XX/XXXX, I deposited a {$17000.00} check into my personal checking account via Bank of Americia 's Mobile Banking App on my SmartPhone. The check was from my Investment Account with XXXX XXXX. I had made other check deposits from the same XXXX XXXX account into this Bank of America account this year. Upon checking my account balance over that weekend ( i.e. XXXX XXXX ), I was informed via BoA 's web site / e-banking that a hold was placed on that {$17000.00} deposit until no later than XX/XX/XXXX. I have had this happen before, so was not surprised or concerned with this hold. In the past, as soon as the check cleared from the entity it was drawn upon, funds were credited and made available to the account. My complaint is that the check was presented to XXXX XXXX XXXX XXXX  on Monday, XX/XX/XXXX, which they promptly accepted/paid on the same day. In the day and age of electronic transactions, I was curious as to why Bank of America did not credit the funds to my account for another 8 calendar days from when it was accepted / paid by XXXX XXXX. In the past, the deposit was credited within one to two business days. I would like your organization to investigate this and enforce Bank of America to not hold Customer funds and gain interest on them for any time period longer than required to properly clear the check deposit. HOPEFULLY YOU AGREE THAT EIGHT CALENDAR DAYS IS EXCESSIVE FOR A US DOMESTIC BANK TO CREDIT AN ACCOUNT ONCE THE CHECK HAS CLEARED ANOTHER US DOMESTIC BANKING INSTITUTION FROM WHICH IT WAS DRAWN. My request is simply to have whoever oversees BoA from a state regulatory perspective investigate and determine if this practice is widespread and unfair to underlying BoA customers in terms of losing earned interest on their deposits.
Product: Credit card or prepaid card

I have sought to have my physical mailing address removed from Discover Credit Card services. I am not a customer, nor do I every intend to be, and after receiving new credit card solicitations addressed to former owners of my current home, I called the number provided to opt-out of the unsolicited mailings. I have placed calls to Discover Credit Card XXXX and conveyed my request to be removed on XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022 and XX/XX/2022. 

During the last call on XX/XX/2022, I conveyed that we had past the 90 day time frame from my initial request to be removed and now I will be submitting a complaint to consumer financial protection bureau. The response was that each of my requests could have reset the clock for that 90 day time frame. 

My concern is that this request to be removed and the 90-day time frame could be reset with every request I have made. This could include the numerous different credit cards offered or call-back numbers given, and may include other services offered by Discover such as student loans ( which I stopped receiving after my XX/XX/2022 separate request to be removed ). Additionally, the mailers will use different variations of a name for the previous owners of my home. For example, XXXX XXXX versus XXXX XXXX XXXX XXXX. So the promotional material will likely not stop and the costs to dispose of/recycle their paper mailers is passed on to me and my household. Despite having already signed up under XXXX and numerous other websites, I still receive offers under various names and previous owners. 

My request is for Discover and its affiliates to remove my physical mailing address from any and all promotional materials and stop the disclosure of my mailing address to third parties, no matter what name is used/addressed.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I entered an agreement with TD BANK USA/TARGETCRED on a credit card balance card of {$3600.00}. Prior to a dismissed Chapter XXXX bankruptcy, my account was in good standing. After the Chapter XXXX was dismissed, I tried to resume payments but was told the account had been charged-off. I agreed to a settlement of {$1800.00} making 6 payments of {$300.00} to satisfy the account. I was told I could call back and re-negotiate the agreement after a few successful payments. I called back on XX/XX/XXXX and ask to re-negotiate the agreement to {$900.00} due to financial issues which was a direct result of COVID-19. I earn income as a XXXX XXXX XXXX and a XXXX XXXX for XXXX ; as you are aware all institutions of education were impacted. My supplemental income from those employers went from $ XXXX to {$0.00}. I shared this information with the Target Rep. I paid the {$900.00} based on the re-negotiated request in XX/XX/XXXX. None of the payments made were reported to the Credit Bureaus. I spoke with the Target representative on XX/XX/XXXX regarding this account and I was told the XX/XX/XXXX agreement was no longer an option and the {$900.00} settlement agreement was denied and I would have to enter into a new agreement based on the current balance of {$2600.00}. I was told $ XXXX was required to satisfy the account. It is evident TD/Target Credit is trying to collect 2-3x more on the account as we all know the charge-off ( bad debt ) was transferred or sold to a collection agency for pennies on the dollar and then reinstated to collect from me again. Not to mention, TD/Target Credit One filed this charge-off as a loss on its balance ledger to the IRS. This is causing an adverse effect with my federal employer and my clearance which is a requirement for my continued employment and an extreme hardship to my credit report. I have since been extended new credit with TD/Target Credit and the account is in good standing.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Equifax for violations of the Fair Credit Reporting Act ( FCRA ). Equifax has failed to meet its legal obligations by neglecting to conduct a proper reinvestigation of disputed information on my credit report. As a result, inaccurate or unverifiable accounts remain unresolved, causing ongoing harm to my credit standing. I request immediate corrective action to investigate and resolve these disputes in compliance with federal law.
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX Address : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX Tx XXXX DateXX/XX/XXXX To whom it may concern, On day XXXX they sent me their investigation and said these accounts are complete and accurate. 
I looked at my report and noticed everything is still the same..

and according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( il ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681eb they are supposed to ensure this b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

And according to 15 USC 1681s-2 this os suppose to happen ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( i ) the information is, in fact, inaccurate. 

Account : XXXX XXXX XXXXXXXX