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

On XX/XX/XXXX, we visited the Bank of America ( BofA ) branch located at XXXX XXXX XXXX XXXX ; XXXX XXXX CA XXXX, where we maintained a banking relationship for over 30-years, to open a trust account. My father had passed away on XX/XX/XXXX and we received a check from XXXX XXXX XXXX XXXX XXXX in amount of {$190000.00} as part of a death benefit disbursement. We provided the branch with all the necessary documents such as death certification and trust documentation indicating that me ( XXXX XXXX ) and my sister ( XXXX XXXX ) were successor trustees of the trust. The bank personnel ( XXXX XXXX ) was very professionally and pleasant to deal with and opened the account # XXXX. XXXX deposited the check that was drawn on Bank of America XXXX MA. We did not receive a deposit receipt showing the deposit was made at that time but were told that the funds would be available on Tuesday XXXX. 

On Tuesday XXXX, we learned that there was an issue with the check and the Risk Management department had frozen the funds and needed to verify the issuance of the check. We provided the bank with the contact phone number XXXX. Upon following up with the bank personnel the following day, we were notified that the Risk Mgmt department needed to speak with a person at the Insurance Company. Then we were informed that the Risk Dept needed to speak with us so my sister XXXX XXXX had a conversation with them and they asked if had any additional information about the check. We provided them with the disbursement paperwork that we received with the check and were told that they would review everything and get back to us. 

On Thursday XX/XX/XXXX, I received a notice from BofA dated XX/XX/XXXX, indicating that there was a hold on the funds until XX/XX/XXXX and the reasoning " we've placed a hold on your deposit because we have information indicating the check ( s ) may be returned ''. 

On XX/XX/XXXX, I received a letter from BofA dated XX/XX/XXXX, indicating that they have made a decision to close the deposit account with no reasoning as to why. If BofA made a decision to close out the account on XX/XX/XXXX then where is the check? Are they waiting for the check to clear and then close out the account? 
Following the receipt of the letter, my sister ( XXXX XXXX XXXX visited the BofA branch where the account was opened and was informed by the branch manager that there was no hold on the account which is astonishing considering the letter that we just received. This is unbelievable to say the least. 

The behavior of BofA in this circumstance seems unreasonable as to their approach and a misrepresentation as to the exact reasoning for their decision making. They are sending mixed messaging which is exacerbating the situation and causing unnecessary distress leading to very dissatisfied customer experience. This begs the question, how are they treating other customers who make large check deposits? Is this a systemic problem?
Product: Credit reporting or other personal consumer reports

I've noticed some incorrect information on my credit report that seems to be in violation of 15 USC 16c-2. The details are inaccurate and negatively impacting my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft Chapter XXXX Bankruptcy Case Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

5. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

6. Identity Theft XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

8.  Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

9. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine. 

10. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

11. Identity Theft XXXX Account Number : XXXX This is not mine. 

12. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine. 

13. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

14. Identity Theft XXXX XXXX XXXXXXXX Account Number : XXXX This is not mine. 

15. Identity Theft XXXX  Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXXXXXX Account Number : XXXX This is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is completely impossible to get a hold of via telephone. It's borderline fraudulent how negligent they are and refuse to support their customers. 

My identity has been stolen and the individual already made an experian account under my name so I can't even make a fraud alert because they will just cancel it. Experian provides no support in this matter and I have gone as far as emailing current employees at experian and still no response. 

They need to be held accountable and made available because their lack of support is unacceptable.
Product: Vehicle loan or lease

XX/XX/XXXX car was repoed from santander. Went on ssdi from injury from work. Santader was informed. But wouldn't change day of my ssdi. Said would not change the date but i paid for a year and a half. Out of my ssdi they. Took the late payments. I paid over XXXX XXXX.  Car was repoed . Santader says i still over XXXX. Because late payments.  Wouldn't work with me due to my injury. Very bad company. Getting threatened calls taking me to court to get remaing balance. Help
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an XXXX company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX XXXX cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or XXXX XXXX XXXXXXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX, XXXX, XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX  XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX  Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$970.00} ; XXXX XXXX XXXX Balance : {$5000.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$560.00} ; XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, 2022 ; XXXX XXXX XXXX Inquiry : XXXX XXXX, 2022 ; XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, 2022 ; XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, 2022 ; XXXX XXXX Inquiry : XXXX XXXX, 2022 ; XXXX XXXX Inquiry : XXXX XXXX, 2022 ; XXXX XXXX Inquiry : XXXX XXXX, 2022 ; XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX , 2022 ; XXXX Inquiry : XXXX XXXX, 2022 ; XXXX Inquiry : XXXX. XXXX, 2022 ; XXXX XXXX Inquiry : XXXX. XXXX, 2022.
Product: Student loan

Hello, I am the co-signer of a Sallie-Mae private loan. This loan is more than XXXX paid off and in good -standing. Sallie Mae is harassing both my daughter and myself by calling us non-stop multiple months in a row stating payments have not been made. Payments have been made ; however Sallie Mae does not process them in -time or properly. From my end, payments have been withdrawn from my bank account and then not applied for XXXX weeks to the account. This month, I made a payment with Sallie Mae 's own internal payment system and received a confirmation number. This was on XXXX XXXX. Payment was processed on XXXX XXXX. I called on XXXX XXXX to speak with a customer service rep to re-confirm this was what was showing on their computer screens. I was told yes this is correct and that payment was applied. Harassing phone calls continued throughout the holiday weekend. XXXX XXXX another harassing phone call arrived in the afternoon. When I returned the call, the service representative answered the phone and stated I had an overdue balance and asked me how I was going to " take care of the balance due today ''. I informed this representative payment was processed and already paid. She went on to ask if I had the correct address. I informed her that yes I do ; however, this payment went through Sallie Mae 's own internal payment system over the phone. When she indeed checked, she confirmed that the payment was processed and that the account was current. I requested the harassing collection calls to stop and she verified that they would indeed stop as of that phone call the afternoon of XXXX XXXX. My daughter and I both received another call XXXX on XXXX XXXX. I have since blocked the Sallie Mae number on my phone and have advised my daughter to do the same. I informed the service representative that I had investigated the bill pay software on my computer. When prompted for address changes/updates, the program states " Sallie Mae will contact us with address changes ''. I have correct address for bill payments, but since the program does not allow me to manually put them into a payer with established contacts such as Sallie Mae, I have decided to mail future payments. The representative told me not to mail the payments because they have a slow time processing the mail. I do not have any problems or difficulties with any other loans or any other bills I pay. I would respectfully request Sallie Mae to stop harassing both my daughter and myself with phone calls when payment has already been sent. I further request all late fees from this year be removed from this loan. I would also like an apology from someone for all of these harassing phone calls and loss of time from my day. 
Sincerely, XXXX XXXX XXXX, XXXX, XXXX, XXXX
Product: Debt collection

I moved from XXXX XXXX XXXXXXXX XXXX at the end of XX/XX/XXXX. I closed my XXXX XXXX XXXX and paid my final bill however they did not close the account and continued to bill. I reached out back in XX/XX/XXXX, and informed the above. I was asked to submit proof which I did of my eversource account as I moved to XXXX XXXX They agreed the account should have been closed however there was still usage from the owners of the residence. It was removed from my account and now in XX/XX/XXXX they reopened another collections against me for the same debt. This is ridiculous. I can prove when I relocated. I can prove when I registered in XXXX XXXX Why after 6 years can they open up a whole new collections that I have to again fight to have removed off my report?! They have started harassing me via text and calls yet again.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I was getting ready to apply for an apartment when I checked my credit report and realized I had damages on my credit report. I can not apply for a home with these types of damages on my report. According to the XXXX XXXX XXXX ( B ) ( C ) Law there should not Be any damages to my report and its a defamation to my character. It is illegal
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I drafted a letter of validation in regards to 9 accounts with Gesa Credit Union, that appeared to have been sold and duplicated multiple times on my credit file by 3-4 different organizations. After sending out the letter via certified mail I received no response from the companies in violation of FCRA. After waiting over 7 months for a response, I decided to dispute the accounts with Experian directly. Today I received a credit report stating that the accounts were verified? Verbal validation with a creditor and credit bureau doesn't suffice as proper validation or even verification under FCRA. It is my belief that Experian is in gross violation of FCRA at this time.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account number XXXX XXXX XXXX XXXX per statue 15usc these items are reporting in error. 






Account number XXXX BRIDGECREST
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified account indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the Experian and XXXX credit bureaus XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( XXXX ) ( A ) and 611 ( a ) ( XXXX ) require this account to be authenticated ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

XXXX FTC Identity theft report, XXXX XXXX XXXX was placed on notice that this was a fraudulent debt that they are reporting as being owed to them. How can I owe them a debt when I have never contracted to do business with them nor signed any agreement waiving any rights? They have not produced any documentation bearing my signature that I have agreed to open an account with them or conduct any business whatsoever. They certified to EXPERIAN that this debt was valid and Im confused as to how anything was certified without XXXX ) a notarized affidavit and XXXX ) proof that an agreement with XXXX XXXX XXXX bears my signature. If it was certified why hasnt this proof been uploaded as a response to this complaint? THIS IS FRAUD and I demand deletion immediately. XXXX XXXX XXXX is purposely delaying correcting this information as required by law as though they are above the system in place to protect consumers. They even lied and stated that they had placed dispute language on the report which they have not as evidenced in the screenshots provided. They are merely attempting to prolong their duties under the law by delaying the deletion.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has reinserted the following  XXXX  accounts back onto my report with any notification. This is a strict violation of the FCRA. On  XXXX   XXXX ,  XXXX  I disputed  XXXX   XXXX   XXXX   XXXX  for reporting inaccurately. Experian removed them from my credit file as of  XXXX   XXXX ,  XXXX  and the remained removed as of  XXXX   XXXX ,  XXXX . I was reviewing my credit today  XXXX   XXXX ,  XXXX  and noticed they had been placed back on my credit this month. I have never received any notification from them about the reinsertion. I need them removed immediately or face legal action ... I 'm including all reports from  XXXX   XXXX  -  XXXX   XXXX  as proof of the reinsertion ...
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute these accounts XXXX XXXX XXXX fraudulently opened in my name. also, XXXX and XXXX inquiries. I am a victim of identity theft. Please provide proof of claim with evidence that these companies have legal and lawful authority to collect? 1. Validation of the debt ( the actual accounting ) 2. Verification of claim ( a sworn affidavit or signed invoice! ) 3. copy of the contract binding both parties. Failure to substantiate the claim, please settle account immediately. Im challenging this account with XXXX XXXX XXXX XXXXXXXX of the Federal Debt Collection Practices Act ( hereinafter FDC PA ), Fair Credit Reporting Act ( FCRA ). I will also file a complaint with the Attorney General. I will further pursue all of my legal remedy without further notice to XXXX, XXXX XXXX XXXX. I have attempted to resolve this matter formally before filing a complaint and lawsuit! 
Please provide three things : 1. Validation of the debt ( the actual accounting ), and 2. Verification of claim against me ( a sworn affidavit or signed invoice! ), and 3. A copy of the contract binding both parties.

I would be happy to pay any financial obligation I might lawfully owe as soon as these three documents are received. Im challenging this account with XXXX XXXX XXXX  XXXX of the Federal Debt Collection Practices Act ( hereinafter FDC PA ), Fair Credit Reporting Act ( FCRA ). Provides me with strict proof section 609 ( a ) ( 1 ) ( A ), I authorized this accounts such as signed applications or contracts in wet ink signature. Failure to substantiate the claim, Delete accounts immediately.
Product: Credit reporting or other personal consumer reports

Per FCRA Regulations, creditors/collectors are required to include Original Creditor Name. This required information is not provided by XXXX XXXX XXXX for XXXX collection accounts with balance of XXXX opened XX/XX/XXXX and {$3500.00} opened XX/XX/XXXX. 

I have written to XXXX XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX requesting a Debt Validation Letter for both collection accounts. XXXX XXXX XXXX did not respond to either request and provide requested information. 

Please remove both collection accounts from my XXXX credit report given this creditor is violating my rights under FCRA.
Product: Credit reporting or other personal consumer reports

Recently I looked over my credit report and saw an account opened in my name. XXXX XXXX  ( {$300.00} ) opened XX/XX/2024 on Experian, and XX/XX/2024 on XXXX. The bureaus are also in violation for not accurately reporting this account. I am a victim of the data breach and according to 15 USC 1681c-2 ( a ), I'm requesting that you immediately block this account from my credit report.
Product: Credit reporting

XXXX contacted me by phone to tell me I had n't paid my account. I have always paid my account in full and when I received the call, I told the person I did not receive a bill in the mail and would like to have one sent to me. I did not receive the bill and received a second call. I paid my amount in full and once again asked for a paper bill in the mail, which I never received. I submitted a complaint through XXXX and thought the matter was taken care of on my credit report until I checked a different report today and found out different.
Product: Debt collection

XXXX, XXXX XXXX, XXXX XXXX, XXXX, now XXXX XXXX XXXX ( man ) from XXXX, XXXX, XXXX and XXXX are caught in a wrongful foreclosure, Mail Fraud and furnishing lies upon our Credit Report. 

XXXX placed Deed In Lieu upon our reports yet we never had a contract with them nor do they have STANDING to collect, auction or foreclose. 

The Minnesota Judges are Aiding and Abetting each other, now refiling my case in XXXX on Monday. This is major mortgage fraud discovered. There is more victims of XXXX. So called lenders are not on their reports either!?!?!?! 

XXXX is the so called original lender/creditor/servicer yet NEVER-ON-OUR-CREDIT-REPORTS = FRAUD = Proper recording was not done. My Audit prove Chain of title broken, Deed Of Trust Violated, Mortgage Bifurcated, There is no Lender as that'd mean XXXX XXXX have to lent their own money making a valid claim there's a DEBT/Lender/Creditor, there is no DEBT. 

XXXX and XXXX need to back the XXXX XXXX, CEASE AND DESIST per 15 USC 1692c ( c ) XXXX or XXXX prove XXXX XXXX their own money, THATS IT XXXX  XXXX!!!!!!!!!!!!!!!! Show the accounting records, PROVE XXXX XXXX MONEY!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! THEY DIDNT. XXXX XXXX  XXXX. There is no creditor so XXXX XXXX XXXX 

CFPB, FTC, and multiple Agencies need to step in. This is absolute XXXX XXXX. 

In order for you to be a a Creditor/Lender you 100 % MUST be on our credit reports and XXXX is not, attached is the proof, therefore Mortgage Fraud Proven, no one has rights to collect or foreclose and to Furnish Deed In Lieu withour a contract = Major Fraud and XXXX XXXX now I 100 % Prove, there's no creditor or lender and everyone is caught in complete mortgage fraud. 

Lead Attorney for Department of Commrce is going after XXXX XXXX ... she has the Audit and Proof of pure Fraud. The XXXX XXXX DEBT shows paid off = it's paid off. 

XXXX XXXX XXXX in major crime and contract fraud. 

All must CEASE AND DESIST IMMEDIATELY per 15 USC 1692c ( c ) 1. 

XXXX has to stop all attempts to collect a DEBT until he can prove there's a creditor which means he needs to prove XXXX lent their own money and they didn't = no valid DEBT + the audit proves mortgage fraud. 

XXXX attahments more than prove they're caught in pure fraud and real crime.
Product: Credit reporting, credit repair services, or other personal consumer reports

Without my consent or permission, Equifax put Fraud Alert - Causing unbeliveable Troubles for me. Furthermore, I repeteatedly asked this Fraduster to remove the Fraud Alter. Equifax Refused. Then Refused to provide my credit report when replied to their Fraud Altert. What a bully! Equifax want
Product: Debt collection

There are approximitely 8 collection accounts with Bull City Financial that are the responsibilty of the North Carolina Department XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I was XXXX  when these providers were used. The North Carolina Department XXXX XXXX is responsible for these invoices. Please contact XXXX XXXX, Acting Controller for XXXX. Her number is ( XXXX ) XXXX, Fax ( XXXX ) XXXX. The collection agency refuses to put in a dispute or take these off my credit report, which is in violation of state statute, as well as U.S. Const. amend. VIII and N.C. Const., art.I section 27.