23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am disputing a very old debt with Portfolio Recovery Associates. I have sent them letters via certified and regular mail to state my intention to dispute the debt and also request documentation to support their claims that I owe this debt. This item was disputed with the credit card bureaus and removed from my credit report years ago because the debt could not be validated. This debt is from 2016, so I don't even know if its within the statute of limitations. Now, this company is taking legal action and trying to garnish my wages, but has failed to prove that the debt is legitimately mine.
Product: Money transfer, virtual currency, or money service

I put in a hardship withdrawal request with Wells Fargo to withdraw much needed funds, XX/XX/2017 to consolidate debt and pay past due rent owed to my landlord to avoid eviction, to try and refinance my vehicle, and fix my credit issues. The bank was supposed to send me the paperwork with 2 to 3 business days, it took 10 days to receive the paperwork, i filled out all of the paperwork and submitted the necessary documents and I was told it would take 5 to 7 business days to process and receive a check, i called after 2 weeks wondering why i had not received the funds only to find out that it was direct deposited to a closed account at my bank ( XXXX XXXX ) XXXX XXXX is now holding the funds for 15 days pending a good funds approval. with all of the long drawn out processes, my vehicle has now been reposessed with threat of sale at auction, and i am now being threatened with eviction, Neither Wells Fargo or XXXX XXXX will give me exact answers as to when i will receive my money It is now XX/XX/2017 and i still do not have my money.
Product: Debt collection

I received a letter stating that I owe an amount on this account. I ran my credit report recently and I found it listed by  XXXX   XXXX   XXXX , and had it investigated and removed. They have now sold it to you so that you  may have a chance to make a few bucks.    I have never lived at the address in question and have no intention of paying you or anyone for a bogus reporting of information.   Therefore, I ask that you cease and desist any and all actions on this. Failure to do so, I will fill a complaint in small claims court against your company and report this fraudulent information to all concerned.
Product: Prepaid card

Dear Bank of America Customer Service, I am writing to formally dispute the unauthorized transactions on my Bank of America account and to address several failures on Bank of America 's part, including the lack of proper notification, the unauthorized issuance of replacement cards, and duplicate charges for transactions. Despite my diligent efforts to ensure that I received all necessary notifications from Bank of America, I did not receive any alerts notify regarding these unauthorized activities on my account. 

At the time of the transactions in question, Bank of America failed to notify me as agreed upon. This lack of communication directly contradicts the protections and services that Bank of America is obligated to provide its customers. Furthermore, Bank of America was not authorized to send out replacement cards on my behalf, which directly contributed to the unauthorized activities on my account over the past ten months. Additionally, I have been charged twice, sometimes even three times, for transactions that I did not authorize or make. 

I was only notified about the unauthorized fraudulent activity in XXXX when I received a letter stating the issue. This activity should have been spotted years ago if Bank of America was providing the services that offered to me at the beginning of account being opened Due to these failures and the resulting financial loss, I am requesting an immediate investigation into these unauthorized transactions and a full reimbursement of the disputed amounts. Additionally, I urge Bank of America to review and rectify their notification procedures, card issuance policies, and transaction processing systems to prevent such issues from affecting other customers in the future.
Product: Credit card

On XXXX XXXX, 2016, I received a XXXX XXXX XXXX Card from Chase in the mail -- WHICH I NEVER APPLIED FOR. The very next day, I called Chase to close the account and find out how this happened. They told me that I had applied for it on XXXX XXXX, 2016 and was approved right away. I fear that either I have been the victim of identity theft, or someone who works at Chase somehow accessed my personal information fraudulently in order to open an account in my name. I had to take time out of my busy life to put a security alert on my credit file and investigate this further.
Product: Mortgage

My Covid partial claim submission was closed on XX/XX/XXXX as incomplete. I sent every item they asked for by : 1 ) Loan Solution portal upload, found in the 'Documents ' section with time and date stamp, starting in late XXXX. XX/XX/XXXX and XX/XX/XXXX 2 ) by email to XXXX ( 3 times, and once from an alternate email address of mine, see # 4 ) 3 ) resent same emails and attachments on XX/XX/XXXX, included XXXX XXXX ( XXXX ) in email as well. XX/XX/XXXX 4 ) Same emails and attachments sent from XXXX XX/XX/XXXX 5 ) fax number XXXX on XX/XX/XXXX with 10 attachments. XX/XX/XXXX. Sent 3 times. I have proof of successful submission I also included to XXXX screengrabs with time and date stamps to show the multiple submissions. I still received threating correspondence about not complying and giving documentation. 

I have requested to speak to a supervisor 4 different times to understand why they keep saying I am not complying. XXXX ( employee ID XXXX ) is her name. Each time I was promised a call back within 3 business days. She never did so. 

My file was closed on XX/XX/XXXX as incomplete despite the ample evidence that I have sent and continue to send everything requested, using multiple forms or communication.
Product: Money transfer, virtual currency, or money service

I received an email several days ago that I needed to change my password in Venmo due to someone trying to access my account. I tried to do so, and ever since am receiving an OAuth 2 error and no support or response from Venmo.
Product: Credit reporting, credit repair services, or other personal consumer reports

Based on New information I would like you to reinvestigate complaint # XXXX Please hold them to a higher standard of how they are doing there investigation into this matter Please see attached
Product: Credit card or prepaid card

I called in early XX/XX/2022 to request help with the extremely high interest rate of 29 % that we are being charged. They said they couldnt lower it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, The reason for the complaint is because My spouse has passed   away, and XXXX XXXX XXXX is incorrectly reporting a credit card that belonged to my Ex Husband. My ex husband opened the account in XXXX, and we were married in XXXX. I was a authorized user for emergencies, but I never used the card and/or accrued any debt on this credit card. The card was reported lost/stolen XXXX. XXXX XXXX called my home asking for my Ex husband XXXX XXXX XXXX XXXX, and I explained that my husband had passed away. I attempted to get info on the account and they would not speak to me because I was not a card holder. The account is negatively impacting my credit and I have no way of fixing the problem.
Product: Debt collection

I spoke to someone Once I paid off the debt, they told me that it was going to take some time for them to remove this off my credit report, but Im axing them to remove this off. My credit report immediately. Because this case is closed and I no longer owe anyone
Product: Credit reporting or other personal consumer reports

EXPERIAN HAS REFUSED TO INVESTIGATE INACCURATE INFORMATION THAT IS REPORTING ON MY CREDIT REPORT.
Product: Student loan

I moved last year after i sent out an email stating i wanted to withdrawal from classes at XXXX XXXX. the school sent out my bill to the wrong address and i didnt receive the letter before the dispute date. i had to call or email before XX/XX/22, but i did not receive the letter before that. i talked to iowa central about my email i sent out saying i wanted to withdrawal, but they cant seem to find my email. i need a payment plan that will let me start paying in XXXX next year.
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 15.U.S.C 1681 section 602 A states I have the right to privacy.

15.U.S.C 1681 section 604 section2 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 15.U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX ( XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX ( XXXX )
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, Georgia XXXX To whom it may concern, I recently pulled my credit report and noticed INACCURATE information. This account is not mine because I have insurance to cover nay any medical fees. Please advise me as to name and address of the medical provider, the service, the service date and to whom the service was provided. I am further requesting a breakdown of the fees including any collection costs and medical charges, Also, per HIPAA LAWS please provide me a copy of my signature of this alleged claim to release this information to you. OTHERWISE PLEASE DELETE THIS ACCOUNT EXPEDITIOUSLY! 

AN # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX 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 all are reporting on my credit report and i dont recall making any of hem and should be deleted
Product: Credit reporting, credit repair services, or other personal consumer reports

i went to go by a car on XX/XX/20 at XXXX XXXX  and they told me i had a collection with XXXX XXXX XXXX  # XXXX i have never applied for this loan nor did i ever give permission to anyone else to do so. i have never gain any type of benefits for this account being open no money no goods have i received. Please see attached supporting documents
Product: Credit reporting, credit repair services, or other personal consumer reports

SageStream , LLC reported a credit score of XXXX when i know it is XXXX i asked for a copy of my credit report on XX/XX/2020 in order to correct them. i still have not received it. i sent a copy of my valid drivers license when i filled out their forms. i was not sure i should send my drivers license but it was better than the rest of the information they wanted. i now believe that they are a fraudulent company with the intention of performing frauds with the information i supplied. they again supplied the company i requested credit with on or about XXXX i will enclose the documentation concerning it if i am able. it is in PDF form.
Product: Mortgage

I have a charge off with XXXX XXXX for my home equity loan. The account is charged off and closed, it was sold to Loan Care in XX/XX/XXXX, you can not report a consumer late when an account is charged off and closed. The last statement I received from XXXX XXXX aka XXXX XXXX XXXX now XXXX and now its subsidiary Loan Care LLC was XX/XX/XXXX. 

Presently, XXXX can not produce a copy of the assignment of Note from XXXX to Loan Care, even if XXXX is a parent company all their assets and liabilities are separated, that said, an Assignment of Note must be executed to validate the debt. 

It has been well over three months that I have tried to negotiate the bad debt with Loan Care, I do not get any return calls from the new representative, XXXX XXXX or status from Loan Care. I ask to settle this account for {$25000.00}, because it is close to reaching California 's Statutes and Limitations to collect the debt.
Product: Debt collection

MIDLANDCRE is claiming that I owe them {$2300.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute on XXXX XXXX and I have not heard anything from XXXX, XXXX  or equifax regarding my disputes. 
I am disputing : Chapter XXXX bankruptcy chapter XXXX Bankruptcy XXXX XXXX XXXX XXXX  late payment XXXXXXXX XXXX XXXX unauthorized Inquiry XX/XX/XXXX XXXX XXXXXXXX unauthorized INQUIRY XX/XX/XXXX XXXX  XXXX credit unauthorized inqury XX/XX/XXXX XXXX XXXX XXXX unauthorized inquiry- XXXX XXXX XXXX XXXX XXXX unauthorized inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Incomplete and unverifiable XXXX XXXX  XXXX Inaccurate & imcomplete
Product: Credit reporting, credit repair services, or other personal consumer reports

It's my understanding that I may get weekly credit reports using XXXX. Otherwise, XXXX, XXXX, and TransUnion will only update once a month, if I'm lucky. I know that several items have been removed from my report and/or disputes have been resolved. I do not know, however, what the results of these disputes are nor have my online credit reports changed at all from XX/XX/2020. When I try to get these reports via internet or by phone, all 3 agencies are now stating that they can not give me this information. XXXX, the worst of all, claims that they have no such person in their database matching my name, SS #, and address. They are just lying. I was found quickly enough last year when I was found to be a member of the Class Action that was filed against XXXX for the release of my information. Trans Union 's excuse is that since I have an ongoing dispute, I can't see my credit report, including, but not limited to, the results of prior disputes filed. I have been very aggressive in going after these fictitious accounts lately, after spending the past few years having my XXXX XXXX and trying to recover. I believe during this period of time is when all this false information was added to my reports. The credit agencies seem to suddenly be either ignoring me or trying to avoid me. Neither will work.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following account : XXXX XXXX Account # XXXX was removed from Experian and XXXX Due to incorrect information meanwhile XXXX keep saying everything accurate I sent multiple letter asking them to remove the incorrect account Immediately. 

I also have fraudulent inquiries on my account I will list them as well and I also sent multiple letters to have them removed. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I noticed unauthorized accounts on my consumer report that I would like removed. According to the FCRA, these unverified and unauthorized items must be removed. 

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists
Product: Credit reporting or other personal consumer reports

XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Asked the companies to share the info they had on theses reports and have not had any response.
Product: Student loan

They reported all my accounts as 'Not Current ' in XX/XX/2020, yet I made payments in XXXX and XXXX that would have covered my XXXX payments. They show XX/XX/2020 as current. 
When I called to ask if I can make the XXXX payment they declined because I am not a current student. 
It does not make sense to me that they reported XXXX as not current and applied my payments to XXXX. 
I do not know but it seems that once they applied COVID-19 deferments things were incorrectly appropriated. 
I wished that I could have made the payment so that I would not have had such a detrimental decrease in my credit score causing me not able to refinance home loans and student loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed and faxed the ftc report over to experian and they took some stuff off of my report i called in to dispute the rest as they should have the ftc report and delete the items some smart lady who was nasty told me sorry i cant help u u just have to deal with it. Your ftc doesnt meet the requirements and then hung up on me. Now there are serval collection account that dont belong to me and 13 inquires and 3 closed accounts that i have no aware of this is crazy im XXXX yrs old woman not computer savy and some one has been living as me getting loans and all in my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I was alerted that someone made an inquiry on my credit. I contacted support and told them it was a fraud. The company than started an investigation on it. On XX/XX/2022 the company reached out and stated that someone open an account under my name and SSC. The company on my behave explain the situation, flag the account, and are in the process of closing it. After speaking to the representative I was told to submit a fraud case through FTC.GOV. Somewhere in between I was redirected to Cfpb page, and now I'm typing this out.
Product: Checking or savings account

On XX/XX/XXXX, I initiated a {$27000.00} transfer, to my XXXX XXXX. But on XX/XX/XXXX, my Marcus account was inexplicably locked. After multiple verification attempts, including providing personal information and my Social Security Number, your representatives were unable to unlock my account or send the necessary verification code. I provided alternative phone numbers ( 4 phone numbers an ), but the issue persisted. 

When I requested account closure and the return of my approximately {$180000.00}, I was assured it would be processed accordingly. However, I received an email on XX/XX/XXXX claiming unsuccessful contact attempts, which I dispute as I received no missed calls. Upon calling back, I was informed that my account required additional verification, causing further delays. 

Despite assurances on XX/XX/XXXX and XX/XX/XXXX, the transfer failed, and my funds, approximately {$200000.00}, were not redirected to my XXXX XXXX XXXX account. 

Despite subsequent calls on XX/XX/XXXX and XX/XX/XXXX, my account remained under review, and additional verification steps were imposed. Today, on XX/XX/XXXX, I was informed that the transfer needs to be redone, and I should call again tomorrow for the verification code. These ongoing issues and delays have eroded my trust in Marcus by Goldman Sachs. 

I demand immediate closure of my Marcus account and the transfer of my remaining funds, approximately {$200000.00}, back to my XXXX XXXX XXXX  account ( I initially transferred money from XXXX XXXX XXXX to Marcus bank ). I expect this process to be completed promptly and without further complications. I also request a detailed explanation for the numerous errors, inconsistencies, and delays that have transpired.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this letter in reference to XXXX that your company is currently reporting to XXXX, XXXX and XXXX under my name. The account is being reported to have a derogatory rating which is very troubling to me! Ima worried about my credit because I was recently denied a loan and my existing credit accounts have increased my current interest rates. Please be advised that this negative rating has caused me some serious XXXX XXXX & will continue to cause me XXXX XXXX XXXX XXXX  until it is resolved.
Product: Debt collection

The company JJ Marshall and associates in XXXX Michigan repeatedly contacted my phone while at work to converse about an alleged debt with a bank in the amount of XXXX dollars. She stated there was a debt they needed to collect I then requested verbally multiple times for them to send correspondence so I could verify the debt. The lady that called then asked why. The proceeded to ask me if I don't trust them. She said a letter would be sent after I sent a payment in. 2 payments have gone out and they have not sent any correspondence about the debt. I've called and have not got any answer from them about where this letter is. They have the correct address on file.
Product: Checking or savings account

I have a joint checking account at Bank of America with XXXX XXXX. He has a sole credit card account for his business with Bank of America also. On XX/XX/XXXX, I noticed that {$370.00} was taken out of the joint checking account. There was a note that said " offset debt ''. I called Bank of America immediately. 
The representative shared with me that Bank of America had a right to take money from my account to pay another debt to one of their " assets ''. However, this is a joint bank account. The debt is associated with XXXX XXXX. It is not a joint debt. I should have rights as a joint co-owner to protect my funds. The banking representative could not share any information about the debt. I asked them to go through the normal debt collection process. This seems like an unsavory and unethical practice. The debt in question was being handled by XXXX XXXX. However, they would not refund the money. I am filing a complaint, because joint account holders should have rights and not be held liable if the debt is not shared. I had not heard about this practice. This should be in BOLD PRINT to any consumer who has a checking account.
Product: Credit reporting, credit repair services, or other personal consumer reports

HARD INQUIRIES NOT AUTHORIZED BY ME XXXX XXXX  XXXX XXXX XXXX