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

In XXXX, my loan car was involved in an accident, and the insurance company admitted that the car was a total loss .Due to poor communication between the bank and the insurance company, I received a late payment notice despite being assured that everything was fine and that I did not need to worry. I later discovered that the bank had returned the check to the insurance company for the loss. Despite this occurrence, I was not promptly notified of the issue until the payment deadline had passed. Moreover, during this time I was in the XXXXXXXX XXXX XXXX XXXX and wasn't able to stay in touch every day. I pay all my bills on time and have never had any issues with any bank. 

Account XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX , XXXX. intentionally sent a copy of a Writ of Garnishment to a third party, addressed vaguely so that it would be opened and read by someone other than myself. 

I am also certain it was sent to this address as a delaying tactic so that I would receive my mail late and be unable to respond in time to legal actions. 

On XX/XX/2013, I sent XXXX XXXX XXXX , XXXX. a certified letter that included, among other things, very specific directions about how to contact me as I have a PO Box ( I live in a rural area ). The tracking number for the certified letter is XXXX. 

( This letter also indicated that they were not to contact me by phone, which they have continued to do. ) I also included information about my mailing address in court filings. ( The court has had no trouble sending documents to the proper address. )
Product: Credit card or prepaid card

My Bank of America XXXX  card was fraudulently used on XX/XX/18 at XXXX XXXX I am not sure how the card number was obtain by a person I do not know. I called the XXXX XXXX to report fraudulent use. I also called Bank of America Visa to report fraudulent use. This incident was immediately resolved. Bank of America sent me a new credit card. I received the next statement on XX/XX/18 and another fraudulent use of my card was used on XX/XX/18 at XXXX XXXX XXXX. The charge was made with my original credit card number, per the account number on my statement ( this statement had two account numbers the old and the new ). I called XXXX XXXX to inquire about the charge and state it was fraudulent. XXXX XXXX agreed and said they would remove the charge. 

I called Bank of America to report the charge and cancel the credit card on XX/XX/18, the day I received the credit card statement. Bank of America would not cancel my credit card account. They said it had to stay open during the investigation and I disagreed with this process. A week later on XX/XX/18, I received an email from Bank of America telling me a new credit card is on the way. I did not request a third, new credit card and want to close this account to stop the fraudulent activity. Speaking with Bank of America on XX/XX/18 I found out that my call to report the fraudulent activity on XX/XX/18 from the charge made on XX/XX/18 was not documented by Bank of America and the account was not frozen, as the associate told me would happen. 

I do not want a Bank of America credit card. I do not want to pay for the fraudulent {$73.00} charge and then have Bank of America refund me the money. I just want to pay the balance of my charges and close the account and be done with Bank of America.
Product: Student loan

I 've noticed that since I took this loan out, in 2011, I 've only paid {$270.00} in principal. I 've called and emailed to inquire about getting a lower interest rate ( this one is at 7.125 %, yet I have another loan with them at 2.875 % ). They wo n't budge or offer any other help.
Product: Checking or savings account

Complaint Details : I am filing this complaint because my bank is violating Regulation E ( 12 CFR 1005.11 ) by refusing to provide a provisional credit while investigating an unauthorized or disputed charge on my account. 

Key Facts : Date of Disputed Transaction : XX/XX/year> Amount of Disputed Transaction : {$800.00} Merchant Name : XXXX XXXX Date I Reported the Issue to My Bank : XX/XX/year> Current Status : My bank has not completed its investigation within 10 business days, yet they refuse to issue a provisional credit, which is required under Regulation E.

Regulation E Violation : Regulation E ( 12 CFR 1005.11 ( c ) ( 2 ) ( i ) ) requires that if a financial institution does not complete its investigation within 10 business days, it must issue a provisional credit for the disputed amount while the investigation continues. My bank has failed to do so.

Banks Response ( Unfair Treatment ) : When I contacted my bank, they stated that my case is an " item not received '' dispute instead of fraud, so they do not consider it covered under Regulation E. However, Regulation E applies to all errors related to electronic fund transfers, including incorrect and unauthorized charges, not just outright fraud.

Requested Resolution : I request that my bank immediately provid
e the required provisional credit for the disputed transaction and comply with Regulation E. Additionally, I ask that the CFPB investigate this violation to ensure that the bank follows federal consumer protection laws. 

Please take action as soon as possible. Thank you for your help.
Product: Credit card or prepaid card

I received a credit card bill from Indigo by mail at home It was addressed to my correct name at my correct home address. 
I never applied for the card. 
It showed a fee due ( {$76.00} ) but no purchases. 
I called the number on the invoice and was transferred to their fraud prevention department. 
They said they would freeze the account, drop the charge, and they asked me to file a complaint at www.identitytheft.gov, then send them the affidavit I would get as part of the process, at which time they would close the account.
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 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, 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 an 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 or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act, 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. secondly, i have the right to sue if i think consumer bureaus are preventing me from getting certain loans or benefits by reporting false information on my report. Incorrect credit reporting I have an account that is not correctly reported. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This account has been paid in full but you still have a report saying i owe {$1300.00} which is not true account current balance at {$00.00} contact XXXX XXXX XXXX  and verify this information. account payment reference number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX This account has been paid in full but you still have a report saying i owe {$2700.00} which is not true account current balance at {$00.00} contact bank and get accurate information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This account has been paid in full but you still have a report saying i owe {$100.00} which is not true account current balance at XXXX contact bank and get accurate information
Product: Debt collection

On the day of XXXX  Santander Consumer USA sent a receipt that they received initial letter of rescission but did not lawfully return all payments back to me within the 21 days given from their notice. Pursuant to 15 USC 1635 ( b ), this is default and shall allow me to exercise my necessary right to arbitration to seek relief for damages.
Product: Credit card

On XX/XX/XXXX, I applied for an American Airlines Aviator Red Credit Card online through Barclays. after approx 1-2 hours I received a phone call from Barclays to confirm all information on my application and credit report where the agent I spoke to confirmed I had been approved for the card with a credit limit of {$2500.00}, On XX/XX/XXXX I contacted Barclays in the morning asking for an update on my application status because the online status check page had not updated at all and I have family members who have banked with Barclays in the past who informed me that the application status page never has taken more than 1-2 business days to update and determines when the card actually ships out from Barclays. 

This agent was very nice and informed me that the card application has been stuck with card services during what should be an automated process to mail out the card and welcome packet and to setup the online account. He said that I should receive an update from Barclays by tomorrow night. 

Late in the evening on XX/XX/XXXX I called again to Barclays for an application status update and was transferred directly to a card services representative who is somehow unable to see any notes on my account regarding this and is insistent I have been approved and there is nothing to worry about. She is extremely rude and refuses to listen or review any call recordings that barclays always claim they record at the beginning of every phone call. 

The agent has just put me on hold and at this point, I believe this is a deliberate attempt to discriminate during a credit application based on the personal biases from one of the people ive spoken to who have sent my application into some hold state. The conflicting info from every representative I have spoken to cant make anything else a possibility unless these reps receive no training on their system which I dont believe.
Product: Debt collection

i feel XXXX over charged me disconnection fees for lines that where prepaid. now that XXXX doesnt have disconnection fees for there new customers, im left with the bill. this bill is about 7 or 8 years old. no one has called me about it. nor have i received any type of detailed bill explaining what i owe. even when i go to XXXX they cant find anything on my case ...
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX Dear Experian, XXXX, XXXX Isn't it true that under the Fair Credit Reporting Act, a credit reporting agency has thirty days to investigate my disputes? 
I have sent several letters to ( Experian, XXXX, XXXX Credit Reporting Agency ) regarding inaccurate information in my credit file. I have not received any response from them and the inaccurate information remains in my credit file. Now I would like to file my Federal Trade Commission complaint formally. 
If you have any questions please feel free to contact at the number listed above. 


Please review inaccuracies that are being reported. Its your job to VERIFY and provide PROOF. As per the FDCPA, I have the right to request a validation of all debt. I request you to prove that I am indeed the party who is by contract obligated to pay off debts specifically for XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX accounts as well as all others. 

I hope you are aware of the fact that reporting any invalidated information to major credit bureaus may constitute defamation of character, as negative listing on credit report does not allow me to enjoy the benefits of good credit. In addition, you must also be aware that until you validate this debt, you can neither continue collection activities nor report this information on my credit report. I'm sure your legal staff will agree that non-compliance with this request is likely to put your company in serious legal trouble with the Federal Getel Trade Commission ( FTC ) and other state/federal. See attachment which shows almost every account doesnt match the active last day or open account date and some have different monthly payments. ALL inaccuracies must be deleted immediately. Until verification and validation of these accounts attached all MATCH and accurate you must delete. Honestly my entire report has inaccuracies between Experian, XXXX and XXXX it is YOUR job to investigate and provide ACCURATE data. If you cant produce accurate data then you must delete it off my credit report! I have attached examples of how every single account listed doesnt match another credit bureau reporting. They MUST MATCH & BE ACCURATE. Thats your job not mine. In the meantime, Im requesting for the 6th time to delete the accounts listed and update to only one address and you do not have my consent to run my SSN TRACe, monitoring alerts which adds negative alerts to creditors as inOPT OUT OF SHARING MY DATA any further as I opt out of that right due to your negative fraudulent reporting for the credit bureaus
Product: Debt collection

I have received at least 8 letters in the mail during the last couple of weeks. These letters are from local law firms stating that I have been sued by a company called Velocity Investments. I have no idea who this company is, what debt they are referring to, what amount, etc. Yet, I am getting these threatening letters in the mail almost on a daily basis. I have reached out to each of the law firms and asked them to remove me from the mailing list. I am the victim of identity theft so I have been down this road before. Debt collectors with harassing calls, texts, and letters for a debt that is not even mine. I even had one company show up at my door to say I got served. I've had companies threatening to call my job. This Velocity investment seems to be another in a long line of scam companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   and   XXXX   XXXX   list the same  XXXX  loans multiple times on my credit report. Some of these loans have been re-aged to appear 10 years newer than they actually are and some of these loans are incorrectly statused. This is causing a massive credit hit which in the past has cost me potential employment ( denial letter had specifically cited credit score as the primary reason during pre-screening for employment with  XXXX  ), increased car insurance rates, and now it is making the ability to secure a mortgage impossible and a rental agreement extremely difficult. These loans are also moving from  XXXX  to   XXXX   XXXX   in an attempt to incur greater credit impact for the purpose of penalizing and shaming the borrower as there is no difference between the 2 companies since  XXXX  runs   XXXX   XXXX    and also provides all support for them if you try to contact   XXXX   XXXX  . The defaulted loans in question also have been forced into forbearance multiple times each as I was told that even when unemployed, I was simply not allowed the option to qualify for a deferment or any other plan ( this stems from when   XXXX   XXXX   was the name of the company ). Basically I have been cheated, lied to, penalized, and treated like garbage at every turn by this company an will be forced to sue before ever making another voluntary payment due to the extreme harassment and hardships they have imposed on my from early on and the life altering consequences that has made for.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, XXXX, and XXXX are showing information that doesn't belong to me. I have tried to have the items removed and have sent several letters to them to have the items removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDOT BUREAS HABE NOT REMOVED FRAUD ACCOUNT ITS BEEN MORE THAM 30 day they are in violation of the " FAIR CARES ACT '' EMVLP II LLC/FIS 28 POTENTIALLY NEGATIVE MONTHS Balance details 100 % paid off Balance {$0.00} Balance updated XX/XX/XXXX Original balance {$24000.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Auto Loan Payment summary XXXX XXXX XXXX XXXX XXXX XXXX CO ND XXXX XXXX CO ND XXXX - XXXX CO ND XXXX XXXX CO XXXX - XXXX CO XXXX XXXX - XXXX CO XXXX XXXX - XXXX CO XXXX XXXX - XXXX CO XXXX XXXX - XXXX CO XXXX XXXX XXXX CO XXXX XXXX - XXXX CO XXXX XXXX XXXX CO CO XXXX PAYMENT HISTORY LEGEND Status Account charged off. {$2900.00} written off. 
Status updated XX/XX/XXXX Original balance {$24000.00} Monthly payment - Last payment date XX/XX/XXXX Additional info XXXX XXXX XXXX 60 Months XXXX sold - Original creditor - Comments Purchased by another lender Your statement **CONSUMER STATEMENT** ITEM IN DISPUTE BY CONSUMER Contact info Address XXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX Phone number ( XXXX ) XXXX THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX # XXXX XXXX, FL XXXX ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$490.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$2200.00} ; XXXX XXXX  XXXX Balance Owed : {$220.00} ; XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$110.00} ; XXXX XXXX Balance Owed : {$750.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance Owed : {$2600.00} ; XXXX XXXX XXXX Original Creditor : XXXX XXXX  ) XXXX Balance Owed : {$3200.00} ; XXXX  ( original creditor : XXXX XXXX ) XXXX Balance Owed : {$560.00} ; XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance Owed : {$830.00} ; XXXX XXXX ( Original Creditor:XXXX XXXX  XXXX XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$160.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX  ) XXXX Balance Owed : {$2100.00} ; XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$4300.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$830.00} ; XXXX XXXX ( Original Creditor:XXXX XXXX XXXX  ) XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$10000.00} ; XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company allowed someone to add my husband onto their credit card account as an authorized user without his knowledge or consent. We have no idea who the account holder is or how this happened. It is preventing us from moving forward on our mortgage loan. I spoke with the office of the president at  XXXX    XXXX   and they provided me with a letter stating that I have been removed from the account. However the credit reporting is still on my credit report and they are unwilling to electronically correct this error and remove the account entirely from my credit report until the normal reporting date of the  XXXX . THIS IS PREVENTING  US FR OM APPLYING FOR A MORTGAGE AND IT NEEDS TO BE REMOVED IMMEDIATELY!
Product: Debt collection

We received a medical bill from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX The amount we owed after insurance was {$210.00}, paid on XXXX XXXX, 2013. The company still turned us over to collection. To date we have been harassed by the following companies in order to collect a debt we paid. We have sent all documentation to each company, i.e. our credit card statement with the amount paid to XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXDebt Recovery Solutions, LLCEach company names the creditor XXXX XXXX XXXX, XXXX. We have had to prove each time we paid the debt. Each company is collecting the exact same amount we paid. This has to be some sort of fraud at this point on their part to collect a debt we have proven time and time again we paid.