23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

To Whom This May Concern that can fix this stressful Situation : I closed my Bank of America account because my card was stolen along with my phone and other items from my house. Bank of America promised they would close the account and I would not get billed anymore. Well in XXXX the following I received a generated bill from them saying I owed money. The balance was XXXX when it was paid off. Back in XXXX it was closed and they would not give me a new card because I could not give them the phone number I had when I opened up the account because I could not remember it because I had many phones and phone numbers. If the account is truly closed why are they sending me generated bills yet. And I can still pay them. I have called and complained to them, but they do not listen and just send me to the next person and guarantee me the account is closed. But obviously it is still in their system and they are charging me the yearly XXXX fees for a account or card that does not exist or I do not use and an account that I was closed clear back in XXXX. 

Sincerely. 
XXXX XXXX Here are some of the statements they are sending me in generated email for an account that was closed XXXX according to their records. XXXX shady business practice to me. I wonder how many XXXX other people they are doing this shady business practice too. All that money will add up I would say. I paid it through my bank account and they took it for an closed account multiple times. 

New statement balance : {$5.00} Account : BankAmericard Visa Platinum Plus ending in - XXXX Date : XX/XX/XXXX You have a new e-Bill from Bank of America Credit Card BankAmericard Platinum Plus Vi : Pay To Account Number : XXXX Due Date : XX/XX/XXXX Minimum Amount Due : {$0.00} Amount Due : {$0.00} Account Balance : {$10.00} ( CR ) So how can I have a credit of XXXX than on a closed card suddenly I have a bill of XXXX cents something is seriously wrong with this bank You have a new e-Bill from Bank of America Credit Card XXXX BankAmericard Platinum Plus Vi : Pay To Account Number : XXXX Due Date : XX/XX/XXXX Minimum Amount Due : {$25.00} Amount Due : {$25.00} Account Balance : {$34.00}
Product: Credit reporting or other personal consumer reports

XXXX is illegally reporting medical debt on my credit report, in violation of the Illinois Consumer Fraud and Deceptive Business Practices Act ( XXXX XXXX XXXXXXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir or Madam : PLEASE ADD MY # Telephone : ( XXXX ) XXXX TO MY CREDIT FILE THANKS!!! 

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

[ Identify item ( s ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled.

A copy of my Identity Theft Report and proof of my identity.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX  XXXX  XXXX, GA XXXX-XXXX  2. XXXX/XXXX  Account Number : XXXX Please remove it from my credit report.

3. XXXX  Account Number : XXXX  Please remove it from my credit report.

4. XXXX  Account Number : XXXX Please remove it from my credit report.

5. XXXX/XXXX  Account Number : XXXX  Please remove it from my credit report.

6. XXXX/XXXX  Account Number : XXXX Please remove it from my credit report.

7. XXXX  XXXX  Account Number : XXXX Please remove it from my credit report.

8. PORTFOLIO RC Account Number : XXXX Please remove it from my credit report.

9. XXXX-XXXX XXXX  Account Number : XXXX  Please remove it from my credit report.

10. XXXX-XXXX XXXX Account Number : XXXX Please remove it from my credit report.

11. XXXX-XXXX XXXX  Account Number : XXXX  Please remove this inaccurate information from my credit report.

12. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX  XXXX  XXXX, GA XXXX-XXXX 13. The following personal information is incorrect Account Number : CURRENT ADDRESS :XX/XX/XXXX 14. The following personal information is incorrect Account Number : EMPLOYER : XXXX  XXXX  XXXX  15. The following personal information is incorrect Account Number : EMPLOYER : XX/XX/XXXX 16. The following personal information is incorrect Account Number : EMPLOYER : XX/XX/XXXX 17. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX  XXXX  XXXX, GA XXXX-XXXX 18. XXXX/XXXX  XXXX  Account Number : XXXX Please remove it from my credit report.
Product: Student loan

I have a student loan with Navient and was told that my enrollment in a rate reduction based on my lower income situation was set to expire. When I contacted Navient and explained that I was in lay off status from my seasonal job with the XXXX XXXX XXXX, was married and responsible for XXXX children, and could not afford to have my payments doubled, the representative acccused me of lying and asked if I was getting some other income, I requested to speak with a supervisor, who told me they do not offer any such thing as an income based rate reduction and that a decision to approve or deny my request was based on a Navient representatives personal discretion.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is in regards to the credit report I pulled on XX/XX/XXXX, I see at least 14 credit inquiries on my credit report from you. section 604 states that you need to provide the application that was filled out when this account was opened, the only permissible purposes of an inquiry are employment, insurance, court order and firm offer of credit, neither of which apply - remove immediately. There are several dates of inquiries on my credit report, instruct the credit bureaus to delete these inquiries immediately. 
XXXX  XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX   XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

For the past 6 months, I've reached out to XXXX, XXXX and Equifax to notify them of the below errors. They have failed to properly investigate. The XXXX Account XXXX that is reporting 8 late payments was serviced by XXXX back XXXX 2019. I do not ever recall being late. I've asked for proof and I've received no response. XXXX has been accused of misapplied payments, surprise late fees, processing delays, and misrepresentation of repayment. I have been a victim of their negligence and want these late payments updated to show that I was never late. In addition, I've notified XXXX, XXXX and Equifax of the XXXX XXXX Accounts XXXX and XXXX which are riddled with inconsistencies and inaccurate information that can not be true. They have not investigated nor updated the accounts so they are consistent. All 3 credit reporting agencies are reporting different high balances, dates of last activities, date opened, account ratings, dispute statutes, and the date of the last payment. How is this possible if this is the same account? See screenshots.
Product: Checking or savings account

I signed up for a checking account with US bank about four months ago.

$ 5000 monthly limit for external transfers, {$1000.00} daily trasnaciton limit. I am unable to make external transfers out of my account and need to be able to pay rent from my ( external ) XXXX checking account. US Bank won't let me withdraw my money to the XXXX account. 

When transferring, I get a message saying " The transfer amount you have entered exceeds the daily limit for XXXX XXXX XXXX XXXX. '' But I am not over the limit, which is $ 5000 monthly and {$1000.00} daily. 

I called the bank customer service line four times and they were unable to resolve my issue. First I was told the limit would not be raised, and that I could only do {$1000.00} a day. I bregrudingly accepted that and resolved to send {$1000.00} a day. The first {$1000.00} transfer was successful, and received in my external account, but I've been locked out of being able to make transfers since then when I sent that transfer request on XX/XX/XXXX. I cant even transfer in XXXX segments. After calling three times and the issue not being resolved, I filed a complaint and let the bank know on XX/XX/XXXX that a complaint has been made.
Product: Debt collection

On XX/XX/XXXX while trying to use my debit card, I found out that my bank account had been frozen. In doing further research with my bank, XXXX XXXX XXXX XXXX ( XXXX ), I was able to ascertain that XXXX XXXX XXXX, on behalf of Chase Manhattan Bank, had put a freeze on my bank account due to a judgement for a credit card I may or may not have had back in the late XXXX's/early XXXX ( I have no idea really what it is about ). This is the first notice I have received for this judgement and any further actions that were taken. I called XXXX with XXXX on XX/XX/XXXX for further information and still did not receive the information needed nor anything in writing that I could dispute these charges with before the action was taken. I have since left XXXX several voicemail messages to which thus far have not been returned. I also check my credit report on a regular basis and this charge/collection efforts have not been noted on anything. Please assist at your earliest convenience as this is creating a tremendous financial hardship on our family.
Product: Student loan

Hi, I made a discretionary payment to my student loans, serviced by Mohela, on XX/XX/year> in the amount of {$6200.00}. Towards the end of XXXX I encountered a family emergency and reached out to Mohela to have the {$6200.00} refunded. Mohela told me it was approved but that there was no way to " track '' or provide any confirmation of the refund. I've called on two separate occasions in XXXX and XXXX, and was told that the original request for the refund was never inputted and that the present one was approved and that the request was in the " hands '' of the Department of Treasury. 

It's now XXXX, and Mohela has transferred my loans to XXXX. I still don't know the status of my refund and I have not received it in my personal checking.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed many times to verify a capital 1 account that is seriously doing damage to my credit profile.The capital 1 account ending in XXXX was opened in XXXX which is 8 years ago, The date of first delinquency is HIGHLY important because the report would have been deleted from my credit profile if that date is before XX/XX/XXXX. I asked the capital 1 to provide me with proof of payment detail but they continue to update unverified and inaccurate information that does not support my claim and ignore what Im actually disputing. Proof of inaccuracies are the last payment date showing as XX/XX/XXXX but pic of payment summary shows account is 90 late on that date.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I looked at my Transunion credit report XXXX XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to 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, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX XXXX {$390.00} XXXX  XXXX  XXXX {$690.00} XXXX  XXXX {$1400.00} XXXX   XXXX {$980.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

We signed up with Lexington Law and to help us fix our credit and they said we could cancel the service at any time. They took money directly out of our account to fix the credit, which they never paid off any debt or fixed anything on our credit. We have tried many times to cancel this and now they are harrassing us with phone calls, three times a day at minimum and refusing to cancel our service. What do we do to get them to stop this harrassment and to cancel this service. They advertise that they help you, but all they do is take your money and do nothing for your credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Comment TransUnion Continues to report XXXX Account number XXXX on my credit after XXXX  and XXXX  have both deleted this from my credit after the debt could not be validated. I sent all three the same dispute at the same time along with the collection company that owns this debt to have them validate the debt which they could not constitute what meets the Federal Trade Commission guidelines of proper debt validation, so it was deleted. I ask TransUnion to send me prove of how they validated this debt when the other two could not. TransUnion never responded which puts them in violation of the FCRA section 611. TransUnion continues to report this inaccurate information on my credit and claims it has been verified but refuse to show me prove. This account needs to be deleted off my credit. All so XXXX XXXX XXXX XXXX TransUnion is reporting this account that has been bout and sold XXXX times and each time the collection company that owned the debt had to have the debt deleted because the debt was never validated. But for some reason they continue to allow this when I clearly explained to them that this was going on and it should not be allow because these companies can not validate the account they only send the same information that does not meet the XXXX gudelines. These accounts needs to be deleted from my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1700.00}, {$3300.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- COLLECTION ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1700.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3300.00} -This is not my account.
Product: Debt collection

XX/XX/22 XXXX fees XXXX invading privacy talking to neighbors regarding debt, sharing account information with other without my consent, causing harm and separation in domestic family affairs, alleged debt without proper validation and identifications. unclear practice misleading coerce for payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  is refusing to delete /Remove my paid in full accounts XXXX XXXX accounts reported in different areas on my XXXX  credit report even after the company stated the accounts are being removed because the accounts are paid in full and being reported in different area on my XXXX report as a potentially negative account which is wrong and it must be corrected. The company XXXX XXXX advised that the Three credit bureaus would be notified. However XXXX  Equifax XXXX, XXXX XXXX and XXXX XXXX is refusing to remove the multiple paid XXXX accounts from my credit reports listed above. This is also with my XXXX accounts being reported in different areas on my credit profile being reported with the account mutiple times that's paid, XXXX XXXX XXXXXXXX, XXXX and XXXX XXXXXXXX XXXX XXXX These accounts are reported more than once in different areas on all three credit reports.
Product: Debt collection

I opened a account with ( XXXX ) XXXX XXXX ( Original creditor ) back in XX/XX/16. I was told my bill by sales rep that my bill would be would be {$160.00}. per month give or take a dollar. Got my first bill which was over {$400.00}. Went back to store spoke with the same guy and he stated its high due to being prorated, so I paid him cash. I asked if my next bill would be what he originally quoted he stated yes. So I get the next bill and it was even higher. Went back to the store and was told he was no longer there I tried many times to resolve this issue and wanted to return the 2 phones and was told that they could not do that. Paid my bill and left. I tried to get the main MGR on the phone and was repeatedly told he was in a meeting. I went to an actual XXXX store in XXXX, MD and was told that they could only help if I brought the plan through them and that the store I dealt with was a franchise and would have to deal with them. I closed my account on or about XX/XX/16. Checked my credit a few months later and saw that they put it on as a collection. Every time I get this resolved it pops back up again.The 2nd one is Jefferson Capitol Systems was the next, then now its XXXX XXXX XXXX XXXX. 
It keeps getting sold and sold and I have explained it till I was blue in the face. I cant seem to win. I have only the above ( Jefferson Capitol on my credit but I am sure XXXX will pop up soon.. I am trying to get this removed but to no avail. Jefferson keeps stating that they are the original creditor and restarting the battle all over. Any help is appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 19th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX, MD XXXX XX/XX/2022 XXXX XXXX Balance : $ XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX Balance : {$160.00} XXXX XXXX XXXX Balance : {$160.00} XXXX  XXXX XX/XX/2022
Product: Checking or savings account

I am writing to express my deep frustration and concern regarding the closure of my personal checking account with Bank of America. It was closed on or around XX/XX/XXXX, and I was not notified of this action. 

When I attempted to pay for my medical bill, I discovered that my account was locked. Upon contacting the account closure department, I was informed that there were two options to retrieve the outstanding balance left in the account 1 ) Withdraw from a financial center if request is approved or 2 ) wait till account is officially closed to have a check mailed out. I submitted a request on XX/XX/XXXX to withdraw the funds at one of your financial centers, but I have yet to receive a response or any updates. I was informed this request usually take 5-10 business days. The request was put in XX/XX/XXXX and it is XX/XX/XXXX and i still haven't received a response yet Moreover, the estimated official close date for my account was XX/XX/XXXX, and it is now XX/XX/XXXX, but I have not received any confirmation on whether the account has been officially closed or when the check will be mailed to me. 

This situation has left me unable to access my life savings and essential funds needed for my medical expenses, rent, and other financial responsibilities. I have a XXXX scheduled, and I fear I may miss it due to this incident. 

I have been trying my best to be patient and respectful throughout this process, but the lack of communication and delays are causing significant distress and financial hardship. 

I urgently request your assistance in resolving this matter and providing me with prompt updates on the status of my account closure and the issuance of the check.
Product: Debt collection

I have no knowledge of this account nor have I ever heard of received any communication from this company attempting to collect a debt.
Product: Debt or credit management

This company has continuously mailed me a latter stating that I owe them {$70.00}. I have called them twice told them I have never signed up for their XXXX XXXX and they said they would close my account, once again sent me the same letter a month later. XXXX XXXX XXXX, I told them I would take this to a lawyer they got scared and said we will close it again, yet again sent the letter for a third time.