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

RE : Trafficking Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> - {$990.00} Please block this information from my credit report within XXXX business days, pursuant to Section XXXX of the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am being trying endlessly to reach Equifax credit report company When trying logging there is always A problem When I do log in it will stop working Or freeze Then i find it impossible to reach Them over the phone as the answering System would not direct you to a customer service representative Other credit repotting was easy to reach And dispute a problem or a case Since the pandemic started my credit got Destroyed by agencies not responding In order to update and solve a problem From a perfect credit to fair credit co-signed cars where the reporting agency Would not give a fair warning to try fix the problem As of lack of good credit I had to apply for Other credit venues which end up taking my credit even lower while paid all And the favor always goes to who Ever sends a late or unpaid bill Which could have been resolved in an instant with a worming! 
All started in XX/XX/2020 till today!
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 rights to privacy and confidentially under the USC 1681. 

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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States ; no consumer reporting agency may make any consumer report containing any of the following items of information. 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 Account # XXXX XXXX XXXX XXXX Account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written four letters disputing XXXX XXXX XXXX from XXXX and TransUnion. I received letters stating that they updated the information. After the 3rd and 4th letter, there was a longer delay in getting a response. The delay took longer than 32 days.
Product: Debt collection

I received a letter from LVNV funding stating that they had purchased a debt from XXXX. I told them I have never heard of such a debt. The first time they called and I stated I would like them to " Cease and desist '' as I had no idea what this was. 

The second time they called, they asked if I had received the notice they sent. I stated I had no knowledge of the debt. The lady then asked if I would like to resolve the debt or if I would like her to " put a lien on everything I own ''. At that point I hung up
Product: Credit card or prepaid card

RE : XXXX XXXX XXXX XXXX Dear Sirs : I am writing this with assistance. I am XXXX and receive XXXX benefits on a XXXX  XXXX. I was locked out of my online account and needed my routing #. I called the company ( XXXX XXXX ) and their phone representatives. My complaint ( s ) are as follows : 1 ) I had to call 3 times to get an agent. There is no option on the menu to speak to a XXXX representative for online account for lock out, or problems not listed in their automated menu. 

2 ) It is very difficult to get a live agent to help resolve account issues. Their phone system will cut you off without warning, put you on hold for lengthy periods, representatives change unexpectedly. I had to use the " LOST OR STOLEN CARD '' feature to finally get live help.

2 ) While on the call to XXXX, I requested a good friend help with speaking to the representative and explain my complaint. Despite my authorizing this, the XXXX agent 's identified as " XXXX '' " ID # XXXX '' refused to speak directly with him. She was rude, hostile and uncooperative to him. Further she also threatened to not help me, unless my friend refrained in the background from assisting me. I am XXXX and have a XXXX XXXXXXXX. This representative talked too fast, and I have difficulty with instructions due to a XXXX  XXXX. Her attitude and conduct on the call was disturbing. Her refusal to allow me to have someone I authorized assist me during the call is denying me my rights under the XXXX XXXX XXXX. 

3 ) The XXXX website advertises help, including providing routing numbers and other basic information. A direct quote from their home page on XXXX : " We are a website dedicated to helping XXXX XXXX Card holders find information they need regarding their card, including account login information, customer service contact number, direct deposit and routing number information, and any relevant news about the ... '' This bank should allow XXXX XXXX or XXXX persons authorize others to help on their behalf with difficult problems. On their call menu, they should not be allowed to limit account access to customers by designing a menu that limits options and no option for live agent help during business hours when needed.
Product: Debt collection

As I stated many times over anything to do with Missouri credit cards are forms of harassments because I told these folks do not contact me, email me, and mail me as it took almost 6 years to get my credit report the best scores I could get in a long time. I think the best thing for this to be resolve is to not ever contact me whatsoever so just delete, erase, and remove this debt off my credit reports cause I owe you nothing. 

Furthermore I resent the implication, that I am being falsely accused of a debt, that is lingering, and passed around to third parties of all types threatening me with financial burdens, that I don't even owe where it is bad enough I have blocks on my credit report let alone disputes of all types, and creditors wanting me to purchase their credit cards, and cyber hackers trying to steal, and get credit cards in my name.
Product: Credit card or prepaid card

In XX/XX/XXXX, I closed my checking account with Bank of America. On XX/XX/XXXX, I paid off the remaining balance on my Bank of America credit card of {$90.00}. The closing of my account and confirmation of credit card balance payment was confirmed in person with the the Financial Center Manager, XXXX XXXX, at the XXXX Georgia Bank of America. 

Fast forward to XX/XX/XXXX, I applied for a business credit card and was denied. After checking my credit report, I found that Bank of America had re-charged my credit card for {$90.00} starting XX/XX/XXXX, and had not informed me that I had any outstanding balance due on my credit card. Because I had not received any notice of this outstanding credit card balance, no payments were made, and the balance accrued fees that totaled {$270.00}. 

I met with XXXX XXXX and XXXX XXXX in person at the XXXX Georgia Bank of America to figure out why I was charged a second time for the {$90.00}, and why it had accrued so many fees. They were unable to get any answers, and weren't able to figure out why the {$90.00} was re-charged to my account. They called the credit card department, which was no help. The credit card department asked them to review my banking records, which we had already done and was the reason we called the credit card department in the first place. After 3 hours of back and forth, no resolution was made, and I left the bank. 

I called the credit card department to complain about the fees, and to dispute the charges because I was never notified of any due or late payments. They said they were unable to prove or disprove that any notifications were sent out, and would not assist me any further. 

This has hurt my credit score greatly. I have had no late payments on any card, and have had no debt, no liabilities other than the current credit card balance, which has always been promptly paid off. The only reason my credit score is  now in the mid 500s is because 1 ) Bank of America falsely charged me {$90.00} that was already paid on XX/XX/XXXX, and 2 ) Bank of America never notified me of the late and unpaid fees that began accruing in XX/XX/XXXX. 

I have not had a change of address and no change of email or log-in information, so there is no excuse for Bank of America to have not communicated these fees and charges. Now they want me to pay {$270.00} for a {$90.00} charge, that I had already paid off. Also, my once-excellent credit is now terrible.
Product: Credit reporting

This account is a paid charge-off account. 
In the state where I live ( New York ), the statute of limitations for paid charge-off accounts is 5 years. 
As the first delinquency occurred on or before XX/XX/XXXX, Experian will be reporting this derogatory information in violation of the law if it persists in reporting this account in XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


I told XXXX, XXXX, and Equifax to reinvestigate these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Product: Debt collection

I demand the immediate removal of late dates associated with the disputed items on my credit report. The furnisher 's failure to respond to verification requests is a clear violation of the FCRA, and I insist that the credit bureau comply with the law by promptly updating my consumer file. Take swift action to delete the inaccurate late dates and rectify this matter in line with the Fair Credit Reporting ActXXXX XXXX XXXX Date opened : XX/XX/year> XXXX : {$840000.00}. Please update this account ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX ) Account # XXXX, has violated my rights. 

15 US C 1681 section 602 A states I have a right to privacy.

15 US C 1681 section 604 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

ACCOUNT # XXXX Hope this finds you good Im lettin you know I dispute the debt above under the Fair Debt Collection Practices Act This aint a request for more proof or docs just wan na make sure you know I dont agree with this debt For future contact best time to reach me is by text on my cell or email on my computer XXXX  to XXXX  between XXXX and XXXX Eastern Time Any other times or ways like live calls or voicemails aint convenient Thanks for understanding
Product: Debt collection

MARCADIS SINGER PA, On XX/XX/XXXX, in CFPB complaint ID XXXX, you stated : " We sent validation with a bill of sale to the consumer on or around XX/XX/XXXX, and again on or around XX/XX/XXXX. We will mail these documents again to the debtor 's address listed. '' This statement is false and misleading. 

The documents you provided fail to prove ownership of the alleged debt. I specifically requested the " chain of title '' and proof that the debt was assigned to Marcadis, but you failed to provide it. A proper chain of title is required to establish admissible documentation that shows the debt buyer owns the specific debt in question, with no breaks in the chain. 

On XX/XX/XXXX, I received the same documents you claimed to have previously sent. These documents still do not include the requested chain of title, which proves your inability to substantiate your claim. It is clear that Marcadis Singer PA and XXXX XXXX are running a scheme to mislead and deceive me. 

Your failure to prove ownership of the debt, your invasion of my privacy, and your failure to cease and desist pursuant to 15 U.S.C. 1692g ( b ) and 1692c ( c ), among other violations, constitute violations of the FDCPA and FCCPA under Florida Statutes 559.72 ( 6 ), Florida Statutes 559.72 ( 7 ), Florida Statutes 559.72 ( 9 ).

Through this notice, I revoke my consent to any agreements or obligations to pay this alleged debt. Your actions have been unfair and deceptive, and you lack standing to sue me. I refuse to pay this debt.

Let the record reflect that neither Marcadis Singer P.A. nor XXXX XXXX has ever produced a valid chain of title. This is your opportunity to act in good faith and with clean hands. I demand that you : 1. Dismiss all claims against me.

2. Waive the remaining balance of the alleged debt.

3. Return the {$800.00} you unlawfully collected from me through your unfair and deceptive practices. 

Failure to comply will leave me with no choice but to pursue legal action against all parties involved, including agents, representatives, and lawyers, to recover damages caused by your negligent and deceptive actions. 

This is a communication from a consumer disputing this debt for settlement purposes only. Any statements or documents you provide as proof of ownership will be used for that purpose. 

Thank you for addressing the seriousness of this matter. Your continued failure to provide ownership proof or resolve this issue appropriately will result in further action in Federal Court. 

Sincerely, XXXX XXXX XXXX rights reserved without prejudice UCC 1-308
Product: Debt collection

I received harassing phone calls from IQ data. They were hostile, rude and combative. They kept contacting my mother regarding this debt. My mother was not aware or involved in the debt for collection. I tried to communicate when I was able to make a payment. It was refused by the agency. The agency continued to use intimation tactics and belittling me instead of discussing an appropriate way to settle the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 604 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

I purchased a XXXX XXXX XXXX XXXX XXXX from XXXX XXXX XXXX of XXXX North Carolina on XXXX XXXX. I found out after reviewing my credit that they used a technique called " Shot Gunning '' The result was XXXX Hard Inquiries to Multiple lenders without My Consent. I requested from that Dealer to send Written letters explaining that XXXX XXXX XXXX used " Shot Gunning '' techniques to find XXXX banks to finance my vehicle loan without My Consent. They agreed to send letters to XXXX, XXXX and Experian. All XXXX Credit Bureaus denied the request. I have purchased Many New Vehicles in my lifetime and Not once did any of the sellers use " Shot Gunning '' until XXXX of XXXX when I purchased this vehicle. This is Simply Not Right. We must re evaluate these acceptances Indeed.
Product: Credit reporting or other personal consumer reports

I signed up with 90 day credit in XX/XX/year> for XXXX per month. Was informed after that I also had to have an occurring account with XXXX XXXX for additional XXXX mo. 
They had XXXX  days to bring my credit up XXXX points. They failed. I tried to cancel my contract and I got no response. That was in end of XXXX. Haven't heard from them in XXXX months this morning they took out {$450.00} out of my account and told me I can't cancel my contract. The only way I could get out of it is if I buy the contract. For an additional {$520.00}. I'm on a fixed income the money they took was to my rent and my car payment. I called them you're not working with me at all it basically told me they're not going to refund the money they took. My credit actually went down since I've been with 90 day credit.
Product: Debt collection

I CONTACTED PAYPAL VIA THERE CHAT SERVICE ON XX/XX/XXXX AND SPOKE W AGENT XXXX AND ADVISED HIM THAT THIS LETTER I GOT IN THE MAIL DOES NOT BELONG TO ME. I UPLOADED THE LETTER IN THE CHAT SO HE COULD SEE IT AND HE ASKED IF THE EMAIL ADDRESS OF XXXX WAS MY EMAIL ADDRESS AND I SAID NO. I SAID I USE MY WORK EMAIL ADDRESS OF XXXX AS MY USER ID FOR PAYPAL. HE SAID HE WOULD SEND THE REQUEST THRU TO PAYPAL 'S UPPER MGMT AND THAT I WOULD GET A CALL AND TO THIS DAY XX/XX/2021 STILL HAVE NOT RECEIVED ANY KIND OF INFORMATION OR CALL FROM PAYPAL.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not make a hard inquiry with this company. This was fraud. I never authorized inquiry on XX/XX/2017
Product: Credit reporting, credit repair services, or other personal consumer reports

Consider this complaint as a follow -- up to ensure that this account is verified completely. 
The account is reporting mistakenly and I want its status to be fixed as soon as feasible. 

Please authenticate this listed account : XXXX XXXX Balance : {$260000.00}
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 rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX, has violated my rights. 

XXXX XXXX XXXX  I, 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
Product: Payday loan, title loan, personal loan, or advance loan

XXXX refunded my XXXX which I financed through Affirm in XXXX ( and had paid off in full in XX/XX/XXXX ) in the amount of {$4700.00} on XX/XX/XXXX and Affirm only refunded me partially ( {$1400.00} ) while claiming they processed the remainder of the refund amount to accounts that have been closed, which was clearly conveyed to their customer department and therefore resulted in a request that the issue a refund in the form of a check, which was agreed upon during a call with Affirm rep on XX/XX/XXXX. I have since relentlessly pursued Affirm and requested to receive my money back and they have consistently been unhelpful and quite obstructionist, systematically claiming that they did " successfully processed the refund. '' I have done a thorough investigation of Affirm 's refund history through XXXX members ' groups, and to my dismay, found out that it is indeed common practice for them to sit on XXXX customers refunds for months, which is both illegal and unacceptable particularly since their customer department is unwilling to provide adequate and fair assistance to resolve these issues and simply actively doing everything in their power to delay refunding customers for as long as they can. At this point, I have spend over XXXX hours on the phone and via emails and loss XXXX of dollars as a result of having to cancel clients and lose business opportunities to address this issue, which is why I intend to escalate this
Product: Vehicle loan or lease

I had a loan from Wells Fargo in 2011 with prepaid gap coverage and wasnt given any money back once the loan was paid off early, I also had a checking and saving account with them during that time and should be entitled to refunds due to fraudulent over draft fees.
Product: Debt collection

TRYING TO COLLECT ON A DEBT I DONT KNOW THEY THEY HAVE ARE USING MY INFO FOR BAD
Product: Checking or savings account

I made large remodeling related purchases from XXXX on XX/XX/XXXX in the amount of {$1100.00} and on XX/XX/XXXX in the amount of {$60000.00} using my bank account with PNC bank. XXXX has failed to complete the delivery of order and all of my attempts to reach them by telephone and email with request for refund have been unsuccessful. XXXX abruptly closed shop on XX/XX/XXXX and stopped answering its clients, but my order remained outstanding and undelivered. Therefore, I turned to my bank ( PNC ) next with a request to dispute the transaction with XXXX and to refund for the above XXXX purchases because the merchant never completed the order. I contacted PNC bank at the end of XXXX, and the bank notified me that it would require 90 days to conduct its investigation. I kept following up with PNC bank in the meantime for updates, but no updates were available because the XXXX period had not yet passed. In XXXX, PNC bank contacted me with request for additional documentation such as proof of payment and invoice of items purchased and not delivered. I promptly provided them with the requested information and documentation and never heard back again. I followed again several times and called again today ( XX/XX/XXXX ) to learn that my claim has been denied.
Product: Credit card or prepaid card

I am writing to file a complaint against Bank of America regarding my XXXX debit card account and my claim for fraudulent charges totaling approximately {$4000.00} due to becoming a victim of identity theft. Please reference my previous complaint # XXXX. 

I provided Bank of America with all the necessary information, including a police report detailing the fraudulent activity. However, after almost a month and without receiving any provisional credit, Bank of America denied my fraud claim without even looking at the police report. 

It is important to note that my claim was due to identity theft, and that on XX/XX/2023, I faxed Bank of America the police report. I was not aware that it had not been received until yesterday, XX/XX/2023, the day before my claim was denied. As soon as I found this out, I faxed it again and included my confirmation that said it was delivered on XX/XX/2023. 

Additionally, I would like to bring to your attention that I did not receive provisional credit, nor did I receive a written notice as per Regulation XXXX, which requires banks to provide customers with a notice of the results of their investigation within 10 business days. 

I find it unacceptable that Bank of America has failed to comply with the requirements of Regulation XXXX, and that I have not received the protection I am entitled to as a consumer. 

I am requesting that the CFPB investigate this matter and ensure that Bank of America complies with its obligations under Regulation XXXX and other applicable laws and regulations. 

Having my identity stolen has left me and my children homeless and counting on the return of these funds. Only a handful of the many Bank of America employees showed any compassion or empathy for my situation and I find that disheartening. Many thanks to those few employees who did try to help me and give me some hope. 

I requested that Bank of amercia reconsiser my claim. I would like a prompt resolution to this matter and my funds returned to me before i am forced to file a complaint in court. 

Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

You have been reporting these accounts wrong! To ensure your vigilance of compliance, the following accounts are reporting wrong even to the comments. I do not have these account numbers in my file. They are erroneous. How are you reporting this information wrong??? According to Compliance protocol, you MUST delete immediately : NOTE : This is not for you to correct and not remove. You are mandated to remove these erroneous accounts!