23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Dear Bank of America Customer Service, I am writing to express my frustration with the prolonged wait times and the lack of resolution regarding a dispute I have been trying to address. Today, I contacted your customer service line once again, and despite waiting for over 15 minutes, no representative was available to assist me. 

This is not the first time I have encountered difficulties in resolving this matter. The continued delay is unacceptable and has caused significant inconvenience. As a valued customer, I expect prompt and efficient service, especially when dealing with disputes that require immediate attention. 

I kindly request that you escalate this issue to ensure a swift resolution. Please have a representative contact me at your earliest convenience to address this matter. 

Thank you for your attention to this issue. I look forward to your prompt response. 

Sincerely XXXX
Product: Credit card or prepaid card

On XX/XX/2022, I sent XXXX Commenity Bank my military orders. I received confirmation on the XXXX that they were received and would be reviewed within 30 days. Then on XX/XX/XXXX, I sent them a message that it will have been 30 days soon and haven't heard anything. They responded on XX/XX/XXXX, stating that they didn't receive my request until XX/XX/XXXX and that they had 45 days and it is currently under review. On XX/XX/XXXX, I contacted them via phone and had to speak with multiple agents after requesting a supervisor because none of them knew what military benefits were or were unable to transfer me. The supervisor on this call advised that she saw the request was uploaded on the XXXX and that it has been 45 days and she would be opening an investigation.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the accuracy of the account listed as " XXXX XXXX XXXX  '' account number XXXX, on my credit report. I believe the following issues require correction : Charge-Off Status : The account is marked as " charged off '' with a balance of {$12000.00}. Under the Fair Credit Reporting Act ( FCRA ), inaccurate or unverifiable information must be corrected or removed. I request verification of this charge-off status or its removal if not substantiated. 

Payment History : The account reflects charge-off statuses from XXXX to XX/XX/year>, but there was a partial payment agreement in place. This agreement should be reflected accurately, or the reporting should be corrected. 

Account Closure : The account is listed as " closed at credit XXXX 's request '' in XX/XX/year>, which may be inaccurate or improperly documented under the Fair Debt Collection Practices Act ( FDCPA ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent my FTC report, PA license, and 15 USC 1681c-2 to XXXX, XXXX, And Equifax through certified mail. I requested to block the fraudulent information from my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023 submitted a XXXX two police report to the credit bureaus on XX/XX/XXXX it was removed then reinserted shortly after.. The XXXX XXXX XXXX verified saying this is my account ( # XXXX ) for the amount of {$19000.00} ) its not mine! I also disputed it 2 times.. I have a Police and FTC report XXXX deleted it, Transunion and XXXX still show it I have been passed back and forth between the credit bureaus and XXXX XXXX each of them blame the other this is very frustrating thanks for your help
Product: Credit reporting or other personal consumer reports

The U.S. Department of Education sent me an email on Friday, XX/XX/year> informing me that all of my student loans was XXXX. I have been assigned a borrower defense group discharge case number as well. I have the email from the Department of Education as well.
Product: Debt collection

The debt collector seems hire a detective and call my dad to his cell phone and told them to tell me to call them because there has been filed a complaint against me and game my name. At my knowledge this is inapropriate and illegal. My dad called me worried to tell me that a woman call saying to call her back because a complaint has been filed and he said hope you are ok. I have not received as required by law a verification of debt letter within 5 days of receiving phone call neither as of today. They are behaving like scammers. Need advice.
Product: Credit card or prepaid card

I have  a citi professional c ard on my name I don, t have a company and des pite the law from 2009 to apply payment to the higher rate balance I realize now they are doing to the lower. I called them but they told me it is not for this kind of card because it is a business credit card!!!! I read the law and nowhere I found difference for holder.
Product: Checking or savings account

I signed up for a checking account that had a tiered bonus structure. My plan was to deposit $ XXXX so I could get a {$700.00} bonus. I confirmed with them that I could make XXXX transfers into the account to reach the Citi Priority level since my current bank ( like Citi itself ) limits daily transfers to {$25000.00}. All told, I had {$51000.00} deposited into the Citi Account. I was supposed to get the bonus on XX/XX/XXXX but called on XX/XX/XXXX when it was not deposited in my account. The next day, a {$400.00} bonus was deposited into my account. Today, I learned they set up my account as a Citi account and not a Citi Priority so I was only entitled to a {$400.00} bonus ( for accounts of {$15000.00} to {$49000.00} ). They confirmed I had in over {$50000.00} which makes it THEIR mistake, not mine. They refuse to honor my {$700.00} bonus. This is deceptive business/advertising practices. I am closing my account with the bank. 
I have an email with the offer but no files I can upload to this site.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair Credit Reporting act XXXX. XXXX, XXXX Account # 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 card or prepaid card

Today XX/XX/23 I attempted to use my credit card for {$310.00} at Walmart. The transaction was flagged for fraud. I responded to all text alerts and emails that the transaction was valid. My card was still declined. I called fraud and spoke with the XXXX associate ever. He clearly did not know how to remove a fraud restrictions. I verified my information, recent activity, and login info and was advised I could use the card as normal. Again my charge was blocked for fraud. For a second time the XXXX associate made me verify the SAME information that I already verified on the phone with him moments before. For a THIRD after being told my card was available for use, the card was blocked again due to fraud. For a FOURTH time the associate wanted to verify the same information and also wanted me to upload my driver license while standing in line at the grocery store attempting to buy my groceries. Hands down the worst service I ever received in my life. I was forced to use another method of payment because of an incompetent associate not being able to remove the block off my card. My card is still BLOCKED. I want my card unblocked and I want my account credit the amount of miles equivalent to a purchase of {$310.00} due to the incompetence of Capital Ones associate.
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. 


Account Name : XXXX XXXX XXXX Case Number : XXXX Account Name : XXXX XXXX XXXX  Case Number : XXXX Account Name : XXXX XXXX XXXX  Case Number : XXXX has violated my rights. Or list of inquiries 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.

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

I am writing in response to your recent communication regarding the alleged debt associated with the above-referenced account. Before I can engage in any further discussions regarding this matter, I am requesting validation of the debt as per my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692g. 
As per the FDCPA, I am entitled to receive validation of the debt, including but not limited to : Documentation proving that the debt collector has the legal right to collect this debt. 
Verification of the amount of the debt and an itemization of how this amount was calculated, including any fees, interest, or other charges applied. 
A complete payment history, detailing all payments made, credits applied, and any disputed charges. 
Disclosure of the original creditors information and any contract or agreement I may have entered into, bearing my wet signature. 
An explanation of how the current balance was determined, including interest rates charged and any other relevant financial information. 
Please note that this request is not a dispute of the debt but rather a request for validation and verification of its accuracy and legality. I am seeking full transparency in order to assess the validity of the debt and my obligations. 
Also, if this debt has been charged off, I am formerly requesting a copy of Form 1099-C for the cancellation of debt associated with my account. Understanding the importance of maintaining accurate and complete financial records, I am kindly requesting that you provide me with a copy of Form 1099-C, which reflects the cancellation of my debt. This document is essential for me to properly address my tax responsibilities and to navigate my current financial situation. 
I kindly request that you provide the requested documentation within XXXX  days from the date of this letter or delete this item from my credit report. Failure to provide adequate validation within this timeframe may result in my legal rights being enforced, including but not limited to disputing the debt and seeking legal counsel. 
Please send all correspondence regarding this matter to the address listed above. 
Thank you for your prompt attention to this request. I look forward to receiving the requested information and resolving this matter amicably.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023, XXXX XXXX reported to the credit bureaus that my credit card is over the limit. 

The credit bureaus, dripped my credit score 80-90 points as a result. 
I need to rent a home for my family and started filling applications for rental companies, which require {$120.00} non-refundable fee. After I was declined a rental, I realized that my credit score is low. I called XXXX XXXX on XX/XX/XXXX about this and they gave me a pile of empty words said Give us 60-90 days to look into the matter. 
I filed a despite with XXXX on XX/XX/2023 and they also said they will take 60-90 days to review the matter. 

Am I supposed to keep my family of XXXX homeless for 90 days while these organizations review the matter? 

This will cost me {$15.00} XXXX in XXXX charges. The XXXX XXXX must pay for this cost.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi XXXX  CARD and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation? Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. 

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Product: Money transfer, virtual currency, or money service

I am trying to send money to another Venmo user and it will not allow for over a week now. Four attempts to resolve with Venmo they are useless... .keep responding with " packaged '' responses that they are not at fault and I should just use another form of payment. This is how they run a business and keep customers? Disgraceful. They have wasted time and money for me and refuse to fix the problem and be help accountable. Something needs to be done!
Product: Credit reporting, credit repair services, or other personal consumer reports

CAP1/XXXX {$950.00} posted on XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX  {$340.00} posted on XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXX XXXX XXXX {$490.00} posted on XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT Account Number XXXX Account Number XXXX Account Number XXXX
Product: Debt collection

I have recieved 3-4 calls a week since the beginning of the month at random times, anywhere from XXXX to XXXX. Upon answering the phone and saying hello no one answers, I can hear ringing and such in the background but after saying hello 2-3 times they just hang up. They just continue to do the same thing over and over again. I do n't know what company this is or what they are trying to collect from me. The only information that I have found is when I call them back they tell me that the company is EOS CCA. I refused to talk with them because of the random and harassing phone calls I have been receiving.
Product: Payday loan, title loan, or personal loan

I own two vehicles, a XXXX XXXX XXXX and a XXXX XXXX XXXX and both were included in my Chapter XXXX Bankruptcy and that of my wife. I took out loans with a company called XXXX XXXX and have been speaking with XXXX XXXX, Bankruptcy Specialist, Wheels Financial Group, LLC dba XXXX, Legal Department, P : ( XXXX ) XXXX, F : ( XXXX ) XXXX and they have recently unlawfully repossessed the XXXX XXXX when I was taking it to the mechanic to have it repaired. They do not want to return the vehicle to me immediately and need your help. I attach all the information about the vehicle. Thank you and I await your reply.
Product: Credit reporting or other personal consumer reports

i am a victim of identity theft from the equifax data breach, someone has been using my personal information to obtain goods.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request the correction of inaccurate personal information on my credit report. Upon review, I noticed discrepancies in my listed address history. These errors are unrelated to me and should be removed to ensure the accuracy of my credit profile. 

Specifically, I request the removal of the incorrect information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I also request that my credit profile be updated with the accurate information : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX To support my request, I have attached : A copy of my government-issued ID verifying my name and date of birth. 
A recent utility bill confirming my current address. 
A copy of my Social Security card verifying my SSN. 

This letter serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ). I request that you : Investigate and remove any inaccurate personal information from my credit report. 
Update my credit profile with the correct details listed above. 
Provide written confirmation of the corrections and supply an updated credit report.
Product: Credit reporting

To Whom it May Concern, I am writing to dispute the account referenced above. I have disputed this account information as inaccurate with you, and you have come back to me and stated you were able to verify this debt. How is this possible? Under the laws of the FDCPA, I have contacted the collection agency myself and have been unable to get them to verify that this is indeed my debt. 
I enclose copies of my requests to the collection agency, asking them to validate my debts, and the receipts showing that I sent these letter certified signature request. This debt is not mine and I was given no evidence of my obligation to pay this debt to this collection agency. 
The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action. 
In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. 
While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA. 
I look forward to an uneventful resolution of this matter. 
Sincerely, XXXX XXXX Case number : XXXX Related Case Number : XXXX xx XXXX xx XXXX Original Creditor xx XXXX XXXX Original Creditor XXXX Original XXXX XXXX XXXX XXXX XXXX XXXX XXXX xx XXXX Original Creditor equifax Case number : XXXX Related Case Number : XXXX Case number : XXXX Related Case Number : XXXX XXXX Original Creditor XXXX
Product: Student loan

The university in which I was attending ( University of XXXX - XXXX XXXX ) has forwarded my account to which validation has not taken place to a debt collection agency ; Williams & Fudge , Inc . This agency has added frivolous fees and commissions to the balance of the alleged debt in amounts which are unclear and deceptive. Agents for this collection agency have not been forthcoming in explaining this debt to me nor have they provided a break down of what they allege I owe their client. Further this agency has deployed the use of an autodialer making numerous unauthorized calls to a mobile telephone in violation of TCPA. This agency has attempted debt collection actions against me at my place of employment placing my career and livelihood in jeopardy, they have done so after repeated requests to cease and desist. 

WILLIAMS & FUDGE , INC . 
XXXX, SC XXXX
Product: Mortgage

I am writing to formally lodge a complaint against PNC Bank concerning the incorrect reporting of my Home Equity Line of Credit ( HELOC ) to the credit bureaus. The account in question has been reported as Closed despite it being merely suspended for draws, a status that was not disclosed in the letter of suspension of draws off the line. 
Incident Description : In early XX/XX/XXXX, PNC Bank sent me a letter stating the bank had suspended my HELOC, restricting further draws on the line. However, this suspension letter did not indicate that the account was closed. Subsequently, PNC Bank reported this HELOC as Closed to the credit bureaus, which negatively/materially impacted my credit score, misrepresented the true status of my account, and represents financial reporting slander. 
Discrepancy in Reporting : The letter of suspension from PNC Bank made no mention of the account being closed. It merely stated that further draws on the HELOC would be suspended. The incorrect reporting of this account as Closed constitutes a significant error and has had adverse effects on my creditworthiness. 
Reference to Similar Cases : I would like to reference the case of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX ( XXXX XXXX. XXXX ), where the court held that incorrect reporting of account status could constitute a violation of the Fair Credit Reporting Act ( FCRA ). The court noted that accurate reporting is essential and any deviation that misrepresents the true status of an account could cause substantial harm to the consumer. Similarly, in XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX XXXXXXXX ), it was established that accurate reporting is crucial and that errors can lead to actionable claims under the FCRA. 
I have attached copies of the correspondence with PNC Bank regarding the suspension of my HELOC, as well as an excerpt of my credit report showing the incorrect Closed status. Additionally, legal guidance is being provided and documentation to prepare for litigation is being drafted. 
Thank you for your prompt attention to this matter. I look forward to your response and resolution of this issue. 

**Attachments : ** 1. Copy of PNC Banks letter of suspension of draws on the HELOC 2. Copy of the credit report showing the HELOC reported as Closed If you need any further information or clarification, please feel free to contact me.