23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

During sometime around XX/XX/2021 I deposited a refund check issued by my school ( XXXX XXXX ). The check had my mothers name but I was told it would be fine as long as I had a proof of relationship l. My mother even spoke to the rep to confirm before submitting the deposit. Everything was fine until about 4 days later my account was locked and later closed because of alleged fraud since the check wasnt soly in my name. I called citi and was told the previous rep was misinformed and that I shouldnt have been allowed to deposit my refund check. I and my mom told him that we had offered, and were still offering to go to the bank together to clarify this alleged fraud. I was told it was too late the account would be closing in the next month and a few months later I would receive a check for the remaining balance. The remaining balance was upwards of {$400.00} and I never received a check and every time I call ( every 3 to 6 months ) Im told the same thing to keep waiting.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my next request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX have violated my rights. 15 USC 1681 section 602a states ; I have a right to privacy.

15USC 1681 section 604a section 2 also states a consumer reporting agency can not furnish an account without my written instruction
Product: Credit reporting or other personal consumer reports

I have asked all three bureaus- XXXX XXXX XXXX, and Transunion numerous times and through letters to please do the following : 1. Please delete inaccurate names showing on my credit reports that are not my name. XXXX alone showed over XXXX different names that are not mine. I have also filed disputes and they are still appearing. 
2. I have asked for inaccurate or old addresses to be removed from all three of my reports- online, via mobile, and in writing. I have filed disputes and they are still appearing on my reports.

3. I have asked for all derogatory information to be verified as mine. None of the information that is showing as derogatory belongs to me.

4. I have filed countless disputes and sent letters regarding all of these inaccuracies to ensure that the information that is showing on each report ACCURATELY DEPICTS MY CORRECT INFORMATION and not the information of someone else.

5. I also located duplicate accounts with late payment histories from one credit union credit card company that are also not mine. I have never been late on a single payment with any credit card company. 

I have tried so many attempts and would really like some help and assistance to get this right. These inaccuracies have adversely affected me. These inaccuracies have denied me housing and it could deny me future employment or the ability to obtain any future lines of credit should i deem necessary.
Product: Credit reporting or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I got a call from the collection company on XX/XX/XXXX. I informd them that I had never done business with XXXX. I then received a bill from them on XX/XX/XXXX. I called XXXX and they informed me that they do not and have never served my location. I then called the collection company and told them what I had found out. They still stated that I owed this money. Waypoint Resource Group , LLC is a scam company. I believe that they got my name and address off of the dark web. XXXX had a data breach and my information was stolen and put on the dark web.
Product: Credit reporting

There are 3 addresses listed, I only know of two. The XXXX address in XXXX, Mi I have no idea where that 's located.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and so on.
Product: Prepaid card

BOA card services is holding a substantial amount of my money since XX/XX/year> I have had no access to it coming up on 3 months. 
I received notice that my account would be closed on or around XX/XX/year>. 
I attempted to have the money transferred to another BOA account, the safest option considering the substantial amount, however the maximum amount I could transfer weekly was small. 
They refused to lift the weekly withdrawal/ transfer limit even with them closing the account, making it impossible to transfer my money in its entirety. This is DESPITE the fact that both accounts were at BOA. 
The ONLY other option was to have a check sent through regular mail. 
I offered multiple times to pay for certified mail considering the amount in addition to having mail delivery issues. They refused. 
Consequently, the check was sent out and I never received it. 
Card services refused to cancel and reissue the check until a full 15 business days had passed Then it was cancelled and reissued That was XX/XX/year> and 15 business days later, still no check! 
I was told though the reissue check request was SUBMITTED, there is no record of it actually going out to me and the check issue department was back logged. 
After repeated calls, the only solution they have is to again cancel the check and have another reissued which made no sense as it does not appear to have even been sent out and to cancel would put me at the back of the line again. 
No one seemed able to contact those who issue the check to see IF or WHEN it was issued. 

I sent 2 emails to XXXX XXXX President of Retail Banking for potential help and was ignored, no response to either one. 
Their executive team directed me right back to customer service, where for a THIRD time, they cancelled the check and SUBMITTED a request for another one to be sent out with ANOTHER 15 business day wait. 

I am left unable to invest my money, losing interest on the money and no peace of mind over the loss off access to my money.
Product: Debt collection

This debt is a result of identity theft and I need it deleted from my credit report. I have sent out letters repeatedly and got no response.
Product: Debt collection

TODAYS DATE:XXXX ATTENTION DISPUTE DEPARTMENT CMRE. XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious CMRE. XXXX XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Debt collection

this is a formal complaint against XXXX XXXX, a third-party debt collector, for violating the Fair Debt Collection Practices Act ( FDCPA ) and to seek monetary relief for the distress and financial harm caused by their actions. 

Complaint Details : Debt Collector : PORTFOLIO Account Number : XXXX Nature of Complaint : Lack of Written Notification : PORTFOLIO did not notify me in writing about the alleged debt before placing it on my credit report. This is a direct violation of the FDCPA, which requires debt collectors to provide written notice of the debt and an opportunity to dispute it before taking adverse action.

No Contract or Business Relationship : I have never engaged in any business with PORTFOLIO and have no contractual agreement with them. Their claim is unfounded and unauthorized. 

Inaccurate Reporting : The account information reported by PORTFOLIO is inaccurate and incomplete. The balance listed on my credit report does not match any previous obligations, and the presence of " payment terms of 1 month '' is misleading and incorrect for a collection account. 

Unauthorized Credit Report Entry : PORTFOLIO added this account to my credit report without my consent, violating my right to privacy. They have failed to provide any evidence of my consent or their right to report this debt. 

Impact : The actions of PORTFOLIO have significantly harmed my credit score, caused undue stress, and potentially affected my ability to obtain credit, housing, and employment. Their failure to comply with the FCRA, FDCPA has also caused emotional distress and financial instability.
Product: Checking or savings account

I get paid via direct deposit every XXXX weeks on XXXX  morning. Because of this I always schedule my payments the Thursday before so they will come out when my paycheck arrives. This last pay period I got my day of the week confused and set up my payments on Tuesday XX/XX/XXXX and every payment tried to come out on the XXXX. There was no money in my account at this point so every transaction was declined even though I have my account set up for overdraft services. Bethpage Federal Credit Union charged me XXXX fees of {$30.00} each and did not cover a single transaction. The total amount came out to {$450.00} initially. That is a third of my paycheck. I had to call twice and visit a local branch. At first they refused to give back any fees and finally someone on the phone told me he was giving back 3 fees and that their manager would give back another 3. The manager did not do that so I called again and was told it was my fault but eventually 3 more fees were returned. Finally, at the branch the desk lady gave me XXXX more making a total of XX/XX/XXXX fees returned. I explained that I am living paycheck to paycheck and can't afford this to happen. They refused to give me the final XXXX fees back and lectured me about how fees work. I don't see why BFCU is allowed to keep any money for declined transactions without covering any of them. To top it off I also got more fees today because two of the payments I sent out were retried even though I sent out payments once my check really did come in. So as of right now assuming nothing changes Bethpage Federal Credit Union kept {$240.00} out of {$510.00} in NSF fees for bill payments that did not get paid because they declined them despite me being opted-in to overdraft services.
Product: Debt collection

Portfolio recovery XXXX XXXX XXXX XXXX XXXX Virginia To Whom It May Concern : I am writing this letter in response to the phone call/letter received from you on XX/XX/year> In conformance to my rights under the Fair Debt Collection Practices Act ( XXXX ), I am requesting you to provide me with a validation of the debt that you talked of earlier. Please note, this is not a refusal to pay, rather a statement that your claim is disputed and validation is demanded. ( XXXX XXXX XXXX Sec. XXXX ( b ) ) I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you. Please provide me with the following : Agreement with the creditor that authorizes you to collect on this alleged debt The agreement bearing my signature stating that I have agreed to assume the debt Valid copies of the debt agreement stating the amount of the debt and interest charges Proof that the Statute of Limitations has not expired Complete payment history on this account along with an accounting of all additional charges being assessed Show me that you are licensed to collect in my state ; and Your license numbers and Registered Agent If your office fails to reply to this debt validation letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. Thanking you, Your Signature XXXX XXXX XXXX
Product: Credit reporting

I am filing this complaint because Equifax has ignored my request to provide me with the documents their company has on file that was used to verify these accounts, under the Section 611 ( 5 ) ( A ) of the FCRA - they are required to '' ... Promply delete all information which can not be verified. '' that I have disputed. Please resolve this manner as soon as possible. Thank you
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to file a formal complaint against XXXX, a consumer credit reporting agency, for their failure to comply with the request to block all items related to identity theft under section 605B of the Fair Credit Reporting Act ( FCRA ). 

In XXXX, I submitted a formal request to XXXX to block all items pertaining to identity theft within four business days as stipulated under section 605B of the FCRA. This was in response to incidents of identity theft that have affected my credit report. However, despite the legal obligation and the time-sensitive nature of the request, XXXX has failed to take the necessary actions within the specified timeframe. 

This delay in action from XXXX has placed me in a precarious position, exposing me to potential financial risks and further damage due to the unresolved issues related to the identity theft. I have made multiple attempts to contact XXXX to expedite this process, but to no avail. 

I am seeking the intervention of the Consumer Financial Protection Bureau to address this matter promptly and ensure that XXXX complies with the legal obligations set forth in the FCRA. I urge your office to investigate this non-compliance and take the necessary actions to enforce the provisions of the FCRA, thereby protecting consumer rights and preventing further harm due to the negligence of XXXX. 

Enclosed with this letter are copies of all relevant correspondence, including the initial request made to XXXX, as well as any additional documentation deemed necessary to support this complaint. 

I kindly request that the Consumer Financial Protection Bureau take swift action in investigating this matter and take the appropriate steps to rectify the non-compliance exhibited by XXXX. Your prompt attention to this issue is greatly appreciated. 


Thank you for your attention to this matter.
Product: Checking or savings account

Received a letter from Wells Fargo that I was enrolled in Identity Theft Protection without my consent. I was not given compensation in this letter. I was also given 60 days to respond, but was out of the country when the letter was received to my home. I want to make sure that I receive compensation for this breach of privacy.
Product: Debt collection

I have asked them to not call me before XXXX. They also call me during the weekend. I have received several calls for the past week during work hours. It is disruptive to my place of work.
Product: Mortgage

Each and every time I submitted documents for a modification I was repeatedly told that the documents I submitted were lost, missing information or out dated and needed to start the process again with a new application. I was repeatedly told my file was " under review '' to be told a day or week later it was not ready for review. Even with the assistance of an outside foreclosure prevention specialist - I remained on this hamster wheel. I am a XXXX, so I understand the process. I finally was approved for modification trial period upon which I have been locked out of Bank of America 's communication portal. I have called the representative I was told was assigned after my file was sent to the escalation department as a result of a complaint I filed just a month ago. Now, I do not receive call backs from the assigned escalation department and no one is assisting with explaining why or correcting my sudden inability to access the portal, which is stated as being the bank 's " preferred method '' of communication and the only place where I can verify documents that I have sent or received. Can someone please help get Bank of America 's stated protocols and to follow procedures.
Product: Credit card or prepaid card

On XX/XX/XXXX, my ReliaCard was stolen at approximately XXXX, while I was asleep. Upon awakening, I immediately called ReliaCard and reported my card stolen. I then immediately called the police and filed a report ( which Ive submitted to ReliaCard twice now. Detective Sergeant XXXX was assigned to my case. Ive sent ReliaCard his name, phone, fax, email, and work address. This detective has the videotape of this thief stealing {$1000.00} off my ReliaCard at the ATM at XXXX XXXX XXXX nearby. 5 unauthorized withdrawals timed at one per minute, for 5 minutes straight, each for {$200.00} ( plus fees ), for a total of {$1000.00}, at which time the card shut her off. 
I pressed criminal charges, The thief is currently in jail, charged with Felony Theft and Receiving Stolen Property. Its been over 2 months and Ive received NOTHING from ReliaCard- not a provisional credit, not an approved dispute ( Ive been denied twice because based on our investigation, we have concluded no error occurred ; therefore, no funds will be credited to your account and this matter is considered closed. Ive sent a 6-page letter, all documents theyve requested, a police report, all the detailed information I possibly could, and Ive followed through with everything I possibly could legally ( this thief is on her way to prison ), and I cant get my money back from ReliaCard- despite their own policy, despite banking regulations, despite my spending over {$30.00} in faxing expenses. This is RIDICULOUS. 
And if youre wondering how the thief got my pin - the ReliaCard was new, I had just started using it a few days before, and I had it written down in my wallet. This was my mistake, my part in the situation, but Im sure things like that happen all the time and consumers are still credited their stolen money back. Correct? 
I want {$1000.00} credited back IMMEDIATELY, plus the {$30.00} I spent on fax machines.
Product: Debt collection

Received a letter of alleged debt from Northeastern Credit Company, which stated to dispute debt in question by XX/XX/2022. I sent a letter of verification on XX/XX/2022. I have yet to receive verification for said debt but continue to receive calls, voicemails and letters attempting to collect the debt. They have violated code and I want the debt to be dismissed. Thank you