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

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXX, Iowa XXXX Subject : Dispute of Inquiry I have no knowledge of Inquiries that occurred on my consumerreport. I want these Inquiries deleted from my consumer report immediately. 
Thankyou
Product: Bank account or service

My brother and I started a business account at Suntrust bank, because one of the bankers told us about a promotion they were offering. When we sat down with the banker and started the account. She told us all we had to do to receive the promotion money, was open the account and keep a positive balance for about seventy five days. That was to receive the XXXX XXXX dollars. To receive the XXXX XXXX dollars, she said we needed to sit down with their business consultant and purchase something from the company he worked for. That would be a total of XXXX XXXX dollars if we had met these requirements. All together we spoke to XXXX employees at the bank about the promotion. They all said we would receive the money if we met these requirements. We spoke to the manager, the banker and the business consultant. So we started the business account, purchased a XXXX from the business consultant and we kept are account open since XXXX 2015 and still continuing now. In doing this we met the requirements that we had been informed of. Then when the time came that we were supposed to receive the promotion money. They did a bait and switch. At this time they informed us that we needed to make a XXXX dollars worth of qualifying deposits. As soon as we found this out we deposited the XXXX dollars with in a week. The manager told us that she would snap shot the deposit to show her escalation department we had the money. At that we left the bank. We went back to the bank and asked about the promotion and one of the employees gave us a number to contact the escalation department. When i called that department they told me they would have someone call me back. They had someone call me and tell me they still had n't made a decision. Since then it took about six months waiting on someone to give us an answer about the promotion we deserved for meeting the requirements. Their answer was they would have honored another promotion for XXXX dollars, if we would have met the requirements of making XXXX dollars worth of deposits and that we never registered in the program. Conveniently enough for them, they left this out and did n't inform us that they we 're considering to honor the XXXX promotion instead of the XXXX. They did n't even know what promotion we signed up for. They never even told us we needed to enroll into a program. After this they said that was their final decision and if we called back we would just get the same answer. We would appreciate if we received the original {$400.00} we we 're told we would receive. Thank u.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FCRA ), section 623, subsection ( 8 ) ( D ). This is the second specific information under dispute is the derogatory nature of the information your agency has furnished to the credit reporting agencies in connection with the following accounts : XXXX XXXX XXXX # XXXX XXXX XXXX ... I have Demanded a copy of my signature or some proof of Claim, affidavit from both copies. I received nothing back and it has been over 30days since my complaint to both companies. 
The basis for my dispute is that, as I understand the code, your office was required to notify me, in writing, prior to, or no later than 30 days after furnishing any negative information to the consumer credit reporting, that such information was being furnished. This notification is required under the FCRA, section 623, subsection ( 7 ) ( A. ) I am requesting that you provide me with proof of notification, i.e. a copy of the actual notification sent, and proof that it was delivered to me in a timely manner. 
If you can not provide proof of notification and date of receipt then you can not substantiate that you complied with the procedures required under the FCRA. In which case, the continued reporting of negative information to the credit reporting agencies in connection with the aforementioned accounts may constitute the reporting of false information, causing damage to my reputation andfuture credit worthiness. 
To resolve this situation, I ask that you investigate this matter, and modify the accounts accordingly. I also ask that you inform the appropriate credit reporting agencies of your actions, and ask that they make the proper updates to the accounts at issue
Product: Credit reporting or other personal consumer reports

I am formally disputing the improper reinsertion of a XXXX XXXX XXXX account ( Account Number XXXX ) that was previously deleted from my credit report. On XX/XX/XXXX, Equifax confirmed that the account had been removed following my dispute. However, when I reviewed my credit report on XX/XX/XXXX, I found that the account had been reinserted without the necessary written notification. This action violates the Fair Credit Reporting Act ( FCRA ), particularly 15 USC 1681i ( a ) ( 5 ) ( B ), which requires written notice within five business days of reinsertion, and 15 USC 1681i ( a ) ( 5 ) ( C ), which mandates substantiation with new and verifiable information. Since this account was previously removed due to being inaccurate or unverifiable, I question the legitimacy of any new evidence supporting its reinsertion. Additionally, this action fails to comply with 15 USC 1681e ( b ), which obligates consumer reporting agencies to ensure accurate and fair reporting practices. I request that this account be removed immediately, that you provide any evidence used to justify its reinsertion, and that you send me written confirmation of its deletion along with an updated copy of my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than 4 business days after the XX/XX/XXXX Ive already included this report in my previous letter & I am including it again. Also, the information you provided on the account is UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$680.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4000.00}
Product: Credit reporting 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. 
Portfolio Recovery Associate, date open XX/XX/year>, balance {$490.00} account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX open XXXX XXXX, balance {$17000.00}, account # XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, SD XXXX, has violated my rights. 

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 generallf, after any reinvestigation under paragraph ( 1 ) 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.

15 U.S.C. 1681B ( 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: Checking or savings account

Someone opened a bank account in my name through Frost Bank. I received a letter in the mail stating I have a bank account with a balance of XXXX the money was deposited through XXXX XXXX. 
I didnt open this account. 
I called frost let them know they have frost the account and filed a fraud claim.
Product: Checking or savings account

So many issues. The XXXX Georgia branch is so prejudice. Every time I walk in that branch the answer is NO. They hold my dads deposits for two weeks at a time.My father has had an account with them since XXXX  and he told me he refuses to use that account because of the way he is treated. They have refused to provide me with a debit card, with my Tennessee Drivers license I opened the account with. I am XXXX  and every single employee is XXXX. Not one single XXXX  employee. It has made it impossible to bank with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute the negative items on my credit report. I have reviewed my credit report and have identified several accounts that are inaccurate and do not belong to me. I request that you immediately remove these accounts from my credit report. 

XXXX XXXX, Account Number : XXXX It is not possible for this account to have a payment history as it is a charge off. I request that you delete this account immediately. 

XXXX XXXXXXXX XXXX XXXX XXXX  Account Number : XXXX I have no memory of ever being associated with this company. I request that you remove this account from my file immediately. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Account Number : XXXX I have never had any business relationship with this company. Therefore, this account does not belong to me and I request that you delete it from my credit report. 

XXXX Account Number : XXXX I have no record of this account belonging to me. Therefore, I request that you remove this inaccurate information from my credit report. 

XXXX XXXX, Account Number : XXXX There is no record in my possession that this account belongs to me. Therefore, I request that you remove this inaccurate information from my credit report. 

XXXXXXXX XXXX XXXXXXXX, Account Number : XXXX I have no record of this account belonging to me. Therefore, I request that you remove this inaccurate information from my credit report. 

XXXX, Account Number : XXXX I have no record of this account belonging to me. Therefore, I request that you remove this inaccurate information from my credit report. 

XXXX XXXX, Account Number : XXXX I have no record of this account belonging to me. Therefore, I request that you remove this inaccurate information from my credit report. 

XXXX XXXX XXXXXXXX, Account Number : XXXX I have no record of this account belonging to me. Therefore, I request that you remove this inaccurate information from my credit report. 

XXXX, Account XXXX : XXXX I have no record of this account belonging to me. Therefore, I request that you remove this inaccurate information from my credit report. 

I understand the importance of having accurate credit information and I urge you to take immediate action to remove these inaccurate accounts from my credit report. I appreciate your prompt attention to this matter and look forward to receiving written confirmation of the removal of these accounts from my credit report. 

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

I sent Experian a letter to remove a fraudulent inquiry XX/XX/2021 likely due to the XXXX XXXX data breach and Experian. I sent them the FTC report as well and they refuse the remove the inquiries. They are clearly reporting false information to creditors which is a violation of FCRA and also damaging my credit.
Product: Student loan

On XX/XX/XXXX, I reached out to Sallie Mae, requesting a forbearance. I informed them that I had gotten laid off from my job, that I applied for unemployment benefits and that my co-signer ( mom ) is retired and is on a fixed income. In response, the representative claimed that they would still like a payment from me despite all of these circumstances. The representative also suggested I look into an extra job like XXXX to make extra money to keep up with my Sallie Mae payments. I am very disappointed with the way this situation was handled. Sallie Mae has no forbearance system in place for those who have been laid off. At the moment, I have XXXX income and actively searching for work. It is very unfair that Sallie Mae still expects a payment from me and my co-signer based on our circumstances. Based on the Sallie Mae website, you qualify for forbearance if you happen to go back to school/college and yet if you were involuntarily laid off, you dont qualify? I find this very discriminatory that I cant qualify because I am not in school. I also find it unfair at the fact, they want to use part of my unemployment benefits ( which will be used to paying my rent, car insurance, car payment, electricity, water, wifi, etc. ) to determine how much I can still pay. There should be a system in place catered to those who are laid off from their jobs and offer forbearance options too. It doesnt make sense to take payments despite the borrowers circumstances. Its very cruel that they treat their customers like piggy banks instead of actual people. XXXX empathy.
Product: Credit card or prepaid card

Bank of America quietly ended the auto rental collision insurance benefit they have provided customers with for years. I wanted to make sure that it was there before traveling, and had to request a benefits statement from the bank. The auto rental collision insurance benefit no longer appeared in my benefits statement. I never got a warning that this was cancelled in letter mail, email, or on the bank and credit card service website. The insurance coverage was cancelled on XX/XX/XXXX according to a bank representative I later called. Had I not sought out this information, I could have assumed that coverage existed, and been on my own had I gotten into a collision.
Product: Debt collection

Someone else used my information to open an account. I 've never lived outside Oklahoma and this was an account from Missouri. I 've talked to them before and am told I have to file a police report. I work and have a family I do n't have time to hassle with a false account from years in the past.
Product: Vehicle loan or lease

Purchase car and used their own Loan Company BMW Financial and loan started from XX/XX/XXXX on my wife 's name, XXXX XXXX XXXX, but I was secondary ( XXXX XXXX ) From 1st Month onward, I had setup auto payment on my bank account.
I have completely paid off my Auto Loan as of Today.
For 2 months, XX/XX/XXXXand XX/XX/XXXX, due to BMW 's technical glitch in bill payment system ( which they agreed on phone ), they kept charging on my old account.
Initially they charged 2, {$25.00} late fees of {$50.00} total. But after a series of phone calls and emails, they agreed their mistake and " Adjusted the late fees '' and credit me back {$50.00}. They NEVER informed me, that their automated system had already sent this to credit bureau, without, properly checking detailed about my payment and the issue.
I had contacted them several times and talk to them, but they wo n't remove the entry from bureau, even it was their mistake. They have been extremely arrogant, adamant and unfair with someone like me, who has always paid on time, set auto payments.
I am kindly requesting, and hopeful you guys can help me out here, as I am planning to buy a house, and this is negatively impacting my score.
Thanks in Advance.
Product: Debt collection

Hi : This is XXXX XXXX, XXXX again. I got a call from EOS in California. Phone number : ( XXXX ) XXXX. They say they are collecting for a XXXX debt. As I said before XXXX told me I have no outstanding debt with them. Another company in Indiana said they same thing.
Product: Credit card

I went in XXXX 2013 to have XXXX surgery. During the setup for the surgery when i was filling our paperwork they gave me a sedative for the surgery. They offered me a pay later form of payment and had me fill out the paperwork. I was never explained what deferred interest was or that there was any pertaining to the paperwork. I made payments for the next years and then in XXXX saw a huge spike in my payments and balance. I went back through my emails and saw the balance go from {$1400.00} approx to {$3200.00} approx ( more than the initial surgery in full ) I called to figure out what was going on and they told me that since i had not paid the balance in full all the interest would be applied to the full amount and not only that. The interest that was applied would now be accruing interest along with the previous balance. I asked how i was supposed to know when the date was coming and they directed me to my statements that were sent via email. Well i never registered for an account online so I was able to see the dollar amount owed in the emails but nothing pertaining to my account otherwise. If i clicked on the " view statement '' field of the email it took me to a register for the website area which would n't accept my account number given to me by care credit. In general this whole thing is a scam. They make it extremely difficult to even get them on the phone. They carry XXXX different account numbers which the online XXXX they can not even find because it was setup by the XXXX doctor on their own so we have NO ACCESS to it. So i was n't able to see when my payoff was due or anything like that. I really feel this is a disgusting practice and was done with the intent of duping the customer. 

Please let me know how to proceed
Product: Debt collection

I am writing to formally complain about the debt collection practices employed by your company regarding an alleged debt. I recently received a debt collection letter from you, and I have several concerns that I believe warrant immediate attention.

Verification of Debt : I question whether you have the correct individual associated with this debt. I request that you provide a contract or agreement signed with your company from the original creditor.

Request for Information : Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : The name and address of both the original creditor and the current creditor.

Verification of the debt amount you are attempting to collect, demonstrating that a contract exists that creates the amount you claim is owed.

All assignments showing the transfer of the debt from the original creditor to your company.

Proof that the debt was securitized by the original creditor, including assignments from the original creditor to the secured trust and any subsequent assignments back to the original creditor.

Cease and Desist : I request that you cease all collection activities until you provide the requested validation of the debt.

Credit Reporting : Please do not access my credit report or report any information related to this debt. I dispute the validity of this debt, and I expect that this dispute will be noted on my credit report if you have reported it.

Permissible Purpose : I also request clarification regarding your permissible purpose for accessing my credit report, as I contest this.

Notice of Dispute : Should you choose to pass this debt to another collector, please provide them notice of my dispute regarding this debt.

Thank you for your immediate cooperation in addressing these issues. I expect a prompt response to this complaint.
Product: Credit card or prepaid card

I called PayPal to dispute charges for XXXX booking. The dispute was closed with no resolution. Hotel tonight advised they couldnt refund my money because of a charge back.
Product: Credit card or prepaid card

I have a credit card Travel Rewards from Bank of America. 
On XX/XX/XXXX I received one offer from the credit card to transfer the balance to my account without interest until XX/XX/2024, but with a fee of 3 %. 
I accept the offer and use my credit card normally. 
My first statement after the offer came correct, without any interest, and all my new purchases and payments correct like normally being using for years. 
The second statement with the information that I spend $ {$1500.00} in new purchases and made {$2300.00} in anticipated payments ( before the due date ). 
Following that, the next statement that I received was with a charge of {$16.00} in interest from the previous purchases of {$900.00}. Immediately I call the customer service and after more that XXXX hour in the phone, and supervisors, they couldn't explain why it was charged. But eventually, they told me very clear to not use the credit card until pay off the offer. 
After a couple of days, I try to caXXXX XXXX  more time. After more than XXXX hour, again the associate couldn't explain the reason for the interest as I was paying all my purchases anticipated but mention one more time and very clear that I can not use my credit card anymore until I pay off the offer, and the bank is charging interest in the purchases since the day I spend my card. 
That is a misguiding information since the credit card is charging consumers interest from the day a purchase is made and not observing the closing date to validate the interest. Again, I am using the credit card for new purchases and paying before the closing and due date, and still the bank is charging interest for those purchases. 
Worst part, I ask to explain the calculation and witch purchases generate the interest and no one could find the transactions. 
Until now, no resolution and no restitution of the fees. 
I can XXXX how many millions are being still without customers without the client understand.
Product: Credit reporting

Equifax refuses to remove fraudlent accounts from my credit report. I have disputed items for over servals years with Equifax. I have supplied Equifax with a copy of my ID, Police reports. I was a victim of identity theft., which includes bantruptcy proceeding appearing on my credit report. I placed a fraud alert on my file back in 2004 when my identity was first stolen which I kept in place for seven years. I just recently placed a another fraud alert and file block due to the same occaurance of identity theft and I filed another police report to update any new activities. Information is not mine identity theft, fraud. Attachments you will find last 365 days of disputes which I have filed with Equifax. All disputes states reason showing Not my account or bankruptcy. XXXX XXXX XXXX acct. XXXX was, Reinserted previously deleted. Equifax placed duplicate XXXX XXXX XXXX accounts on my credit file which appear in negative and closed column. Equifax has committed countless criminal acts, .regarding my credit file. Numberous FTC VOLIATIONS. and Improper use of my credit report.