23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I had on XXXX XXXX 2014, paid to this company all medical bills that they had on file. I also went to XXXX XXXX and paid off all debt that they have had for me. This was over 3000 dollars and they told me that I did not owe them anything else. I have recently received phone calls and was very rudely told that I could not receive a statement. I asked for a statement in paper in XXXX for taxes. They did not send it. Instead they offered an over the phone statement. Now they are saying they sent a paper one and that if I wanted to know if I owed it I should look at the statement I was " given '' in XXXX. They have been reporting this debt to my creditor and I have no idea where it came from.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed unauthorized inquiries on my credit report. Someone else must have applied in my name and according to the Fair Credit Reporting Act these unverified & unauthorized inquiries must be removed immediately. 

XXXX XXXX XXXX XXXX -XXXX XXXX XXXX -US XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -XXXX- XXXX XXXX  XXXX -NXXXX XXXX- XXXX
Product: Credit card or prepaid card

We got the Citi Premier Card, which had a promotional offer ( XXXX reward points after spending {$4000.00} in the first 90 days ). 

WITHIN the first 90 days, we spent {$4000.00} and called Citi and spoke to a Citi Thank You Points representative, who represented and confirmed that we met the conditions to receive the XXXX reward points and that we would receive the XXXX point after the billing cycle was complete. In reliance of the Citi representative 's representations, we stopped using the card. 

AFTER the first 90 days was complete and the following billing cycle passed, we checked our account and did not receive the XXXX points. When we called Citi, the representative advised us of the complete opposite : that we didn't meet the conditions to receive the XXXX reward points. In fact, the Citi representative told us we didn't meet the conditions by {$8.00}. The Citi representative acknowledged the mistake by the last representative and told us to file a claim. We filed a claim over the telephone. 

We have called Citi multiple times and waited on hold for hours and hours to followup on the claim and have finally been verbally advised that the claim has been denied. We have been given no basis for the denial - and we keep getting the run around. In fact, on XX/XX/2020, after being on hold for 1.5 hours for three times, each time after the Citi representative purposely hangs up the phone - we still do not have any explanation for the denial nor any relief for the fact that a Citi representative told us we met all the conditions. 

I am astonished that a bank can make representations which are completely false and get away without giving its customer the rewards that they promise.
Product: Checking or savings account

I had my tax returned deposited into my chase account on XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX I had made a few purchases and the morning of XX/XX/XXXX I went to check my balance and I couldnt access my online account. I called the bank and they advised me my account was closed and they no longer could have a banking relationship with me. They advised they dont have to give a reason and they have almost {$5000.00} of my money and told me if anything is available I will receive it in a check at minimum in XXXX days.
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act ( FCRA ), I am requesting that you provide the method of verification for bankruptcy ( Reference # XXXX ) reported on my credit file. If the information can not be verified, please remove it from my credit report immediately as required by law. I am aware of that CFPB previously filed a lawsuit against Experian for failing to accurately verify consumer disputes in compliance with the Fair Credit Reporting Act.
Product: Checking or savings account

Opened account with Bank of America in early 2022. Did so online. On XX/XX/22 I transferred XXXX dollars into the account. On XX/XX/XXXX I transferred {$240.00} into the account. And finally on XX/XX/XXXX I transferred {$220.00} into the account for a total of {$660.00}. With the addition of my initial deposit of {$1200.00} the account had an amount of {$1600.00}. 3 days after the final deposit of {$660.00} my account was closed. I did not receive any paperwork until after the account was closed. No one called No One reached out to me in any way to inform me about any issues with my account. I have scheduled several appointments and had several sit-downs with different members of this Bank of America . During my initial visit I was told my account was closed due to a potential fraud case as they had found a Utah address under my name. I informed them that I had just moved in from Utah and when I had set up my account I had used a Utah driver 's license. I was told me to call XXXX and that they would be able to assist me. When I call that number they told me that the Bank of America held my account would need to be the ones to pay out the funds and that I would need to be in contact with them. When I reached back out to Bank of America I was given a different number to call that number being XXXX. This number also referred me back to my Bank of America. It is now coming up on one year on waiting to be refunded so far I have been refunded my initial deposit of {$1000.00} but, have yet to receive the other XXXX dollars.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, XXXX, AND EQUIFAX IS IN VIOLATION AND A SERIOUS BREACH OF TRUST. YOU ARE REPORTING FRAUDULENT ACCOUNTS SUCH AS XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( {$790.00} ), XXXX XXXX, XXXX XXXX, CAPITAL XXXX, XXXX XXXX YOU HAVE VIOLATED THE TRUTH AND LENDING - ACT 15 USC 1601 AND ALSO AGGRAVATED IDENTITY THEFT - 18 USC 1028 A. ALSO YOU ARE IN VIOLATION OF 13 OTHER LAWS THAT YOU ALL CONTINUE TO VIOLATE. YOU ARE IN SERIOUS BREACH AND HAVE COMMITTED SEVERAL VIOLATIONS ; ALL 3 BUREAUS ( XXXX XXXX, EQUIFAX, AND XXXX ) IS IN VIOLATION OF : 1. 15 US Code 1681a ( 2 ) ( B ) - CHARGE OFF, REPO, FORECLOSURE 2.15 US Code 1681 c 2- BLOCK OF INFORMATION RESULTING IDENTITY THEFT 3. 15 US Code 1681e ( b ) - MAXIMUM ACCURACY 4. 15 US Code 1681 a 2 - DEFINITION, RULES OF CONSTRUCTION 5. 15 US Code 1692 C - COMMUNICATION IN CONNECTION WITH DEBT COLLECTION 6. 15 US Code 1692 G - VIOLATION OF REPORTING A COLLECTION 7.15 US Code 1601- CONGRESSIONAL FINDINGS AND DECLARATION OF PURPOSE 8.15 US Code 1681 a ( 2 ) ( A ) ( i ) - LATE PAYMENTS 9. 15 US Code 1681b ( a ) ( 1 ) ( 2 ) - PERMISSIBLE PURPOSE ALL VIOLATIONS THAT I HAVE BEEN COMMITTED AGAINST ME, MAY BE SUBJECTED INTO A LAWSUIT LOCATED NEAR A VENUE NEAR ME. YOU ARE NOW TELLING ME AGAIN TO CALL IN AND DISPUTE INFORMATION THAT DOES NOT BELONG TO ME. THIS ANOTHER VIOLATION 10. 42 USC 408 ( ILLEGAL AND FRAUD TO ASK FOR SOCIAL SECURITY NUMBER ) YOU HAVE 5 DAYS NOT 60 DAYS. ITS UNLAWFUL TO KEEP HARMFUL AND DECEITFUL INFORMATION ON MY REPORT. PLEASE AGAIN, REMOVE ALL HARMFUL, UNLAWFUL, DECEPTIVE, ILLEGAL, FRAUDULENT INFORMATION FROM MY CREDIT REPORT!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, I requested a few accounts to be removed since they were inaccurate, at first I didn't get a response them they were not able to probe me the accounts were legit. they just ignored my previous request and failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit reports they publish.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately, i had two late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments i've attached a copy of my report to this complaint on the following dates of XX/XX/year> & XX/XX/year> the this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.
Product: Credit reporting or other personal consumer reports

I just checked my credit report and was shocked to find a collection account I dont recognize. I truly believe this is inaccurate information. I've been a victim of fraud, and this has been incredibly stressful. Its not just frustratingits also preventing me from accessing the credit I need, making things even more difficult. 

I feel overwhelmed and unsure of what to do next. Im reaching out for your help in removing this fraudulent account. Any support you can provide would mean so much to me. XXXXXXXX XXXX  and XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The data showing on my  XXXX  account states : " {$10000.00} from  XXXX  to  XXXX  and {$500.00} from  XXXX  to   XXXX   '' for the credit limit. This is incorrect for the {$500.00}, the account was closed with a {$10000.00} limit.     This was previously disputed with the credit bureau and a second attempt was unsuccessful online with an error message.
Product: Credit reporting

I checked my credit report just the other day. There is an account on my credit report from XXXX XXXX And XXXX opened XXXX XXXX, 2016. Balance {$800.00} There is no account Details the account status reads open. I did not get any information on this. I do n't know what this is, I do n't know what this is in reference to. I called Transunion and I was unsuccessful with speaking with someone on this matter. Can you please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the above account. 
Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. 
and Please do n't respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( I ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. PLEASE REMOVE THIS UNVERIFIED ACCOUNT AND PLEASE REMOVE ALL NON-ACCOUNT HOLDING INQUIRIES OVER 30 DAYS OLD
Product: Credit reporting or other personal consumer reports

According to 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX has reported late payments and has not mailed or delivered a periodic statement to me 21 days before the due date. They have failed to send the proof for which I have asked. XXXX, Equifax, and XXXX have reported these late payments without verification and without my consent. 

In addition, I, the consumer, never gave XXXX, Equifax or XXXX written permission or consent to furnish my information or obtain my information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing this information since XX/XX/XXXX I sent a dispute out on XX/XX/XXXX which included a affidavit that has yet to be responded to. By law as a natural living human I have not waived any of my rights I am stating that my rights are reserved under UCC 1-308. I have proof that the affidavit was sent from my recent dispute number ( XXXX ) ( XXXX ) ( XXXX ) I will also be providing the police report that I have sent multiple times with this document as well this is the final step I am taking before seeking litigation against Equifax and XXXX.
Product: Debt collection

I have disputed mul tiple Portfolio recovery acc ounts on my credit it was deleted and put back on my credit. I ask them to validate the debt with signature they havent provided me with no proof of this debt. This is the second time i reported to your company for violating. They have agreed to remove it from my credit report it has been a month nothing has happen.
Product: Money transfer, virtual currency, or money service

Flagstar Bank online banking system will not allow bills to paid. I can log in to my accounts see balances and transfer funds from on account to another. When you try to use the bill pay auction the system locks up on the XXXX page. I have contacted XXXX several time via phone and messaging and I have a XXXX number XXXX. I am told they are aware of this issue and I should try to use different methods. I have tried using them and still have the same issue. I also have email that states they have fixed the problem only to find out it has not been fixed and I contacted them again. I have work long and hard to keep a good credit rating and always have paid my bills on time. with the world pushing paperless billing and online bill paying it is very important that they fix this issue. I was also told they changed the system that worked flawlessly for years because of the merger earlier this year and the changes were to keep our accounts safe. They are safe all right you can't spend your money on paying your bills. Now I was told if I want to have my statements mail there would be a charge. I believe that they should of notified all the customers of the changes and at least made sure they worked before implementing the changes.
Product: Debt collection

HIPAA VIOLATION According to a recent copy of my credit profile AMERICOLLECT is reporting an alleged debt owed by me. I responded by sending a letter requesting validation of this debt to which they have responded. Their response is a clear violation of my rights according to HIPAA.

AMERICOLLECT did NOT provide me a HIPAA release that releases my medical information to them.I am aware that HIPAA does allow for limited information but anything more is to only be revealed with the patient 's authorization. 
Acct # XXXX / XXXX
Product: Credit reporting or other personal consumer reports

I'm demanding Experian shall block the following accounts below from my consumer report pursuant to 15 USC 1681c-2 ( a ) no later than 4 business days of receipt. Do NOT " reinvestigate '' these accounts with eOSCAR, as you've failed to do so in the past. Your company is furnishing and reporting FRAUDULENT accounts on my consumer report I did not give Experian my written permissible purpose to furnish these accounts therefor Experian is involved in identity theft pursuant to 15 USC 1681b ( a ) ( 2 ) .Please block and delete the following accounts and information on my consumer report immediately : 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  ) Dept of ED/XXXX  ( XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

First, this is so stressful and disheartening that as a consumer my rights are constantly being violated. I have been dealing with these issues for over 9 months. I am including ALL 3 BUREAUS IN ONE COMPLAINT!!! 
XXXX, had a MAJOR problem with stalling disputes by sending FRAUD DISPUTES LETTERS. I am sending these letters from MY HOUSE, Signing them and enclosing my identification. Exactly how on earth is this a FRAUD DISPUTE? DO NOT SEND ME THESE LETTERS AGAIN!!! I have filed several complaints with them with the BBB & CFPB they always reply with ( they need more time ) one time even replying that they were investigating a BANKRUPTCY. I HAVE NEVER FILED BACKRUPTCY. 15 DAYS IS MORE THAN ENOUGH TIME TO SEND ME INFORMATION REQUESTED OR REMOVE THESE ACCOUNTS. My biggest issue with XXXX is them verifying accounts and not sending me documentation of HOW they were  verified. 
First XXXX I have contacted this company myself after disputing with XXXX and XXXX several times and asked them to furnish me with the same information they have furnished the credit bureaus because i KNOW for a FACT it is inaccurate. No response. XXXX and XXXX still tells me this account is verfied. It needs to be removed IMMEDIATELY. 

XXXX XXXX XXXX same with them. Equifax put the burden on ME to validate this debt with thr collection agency. They DID in fact submit me witb documentation for an XXXX XXXX. This account is NOT MINES and needs to be removed. 

I Also sent Equifax and the following collections agencies ( professional credit and credit bureau ) services letters stating that i felt that my hippa rights were violated. I requested a medical release form that i have NOT recieved. Under hippa my medical information is protected. Equifax needs to remove ANY medical bills immediately unless they can furnish me with a medical release form. 

Also on ALL THREE BUREAUS the department of education is reporting several late payments on my account. An account that has been closed and transferred. They recently just updated this account with an 120 days past due warning. How is that even possible and this account has been with another agency over a year. This account needs to be removed from all three bureaus. 

This is exhausting that as a protected consumer i am getting all kinds of run arounds with MY CREDIT. This is causing me major stress and sleepless nights. This is my last letter before filing a lawsuit. I can not keep doing this back and forth.
Product: Debt collection

I received an alert from XXXX XXXX saying a collection was added to credit report. I had no knowledge of the collection until I received the alert from XXXX XXXX. I never received a phone nor letter advising me to dispute the validity of this debt. It is affecting my credit and I need it removed. Im supposed to receive notification to dispute, and if I dont respond within 30 days then it can be added to my report, instead they added it without giving me the opportunity to dispute the validity of the debt. I sent a certified letter in XXXX asking the creditor to verify the debt ie, signed document or contract which they failed to do. I have no knowledge of this debt. 

Thank you
Product: Credit reporting or other personal consumer reports

I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request. 

Charge Off XXXX  - XXXX - {$5200.00} Late Payment XXXX XXXX XXXX XXXX XXXX - {$0.00}
Product: Credit card

I order - from Home Depot online - {$290.00} worth of baseboard. 

The delivery charge was {$35.00} Order was canceled within a short amount of time because local store did not have what I ordered. 

However, when called - I was told it would take up to 5 DAYS for refund to show up.

that is ridiculous this is HOME DEPOT. 

Think how much $ in interest they make off of these types of transactions!!! 

My credit card company said transaction was pending so I couldn't cancel it until there was a dispute.
Product: Debt collection

In accordance with the Fair Credit Reporting Act the account below has violated my federally protected consumer right as it relates to 15 U.S. Code S 1681. Account Name : Bank of America # XXXX XXXX Credit Report I reviewed my credit report on XX/XX/year> I noticed somethings are incomplete and not accurate. I wrote to said company ( certified mail ) requesting validation of the alleged debt, including any original signed contracts or agreements. Said company has NOT and DID NOT provide proof of such account, including original signed contracts or agreements. 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 U S Code 1681 ( e ) ( b ) And according to 15 USC 1681i5 they are supposed to do this ( 5 ) treatment of inaccurate or unverifiable information ( A ) in general, if after 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 Ii ) promptly delete that item of information, as appropriate, based on the results of the reinvestigation and 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 supposed 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: Debt collection

I found the collection was added to my credit report Im XX/XX/2022 I never received any notification regarding this and have never received medical care at the originating facility. ASSETCARE has not responded to this when I reached out to them.
Product: Credit reporting or other personal consumer reports

I am writing to formally submit a complaint regarding inaccurate and unauthorized hard inquiries on my credit report. Despite my previous attempts to resolve this issue, including a dispute with the credit bureau, the inquiries in question remain on my report. 
Disputed Inquiry XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Description of the Problem : - I have identified several unauthorized hard inquiries on my credit report. 
- I contacted the companies listed as having performed these inquiries, and they confirmed that they do not have any record of performing these inquiries and do not recognize me as a customer. 
- As a result, these inquiries are negatively affecting my credit score.

7. Legal Basis violation the credit bureau To the FCRA : - Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccuracies on my credit report.

- The relevant sections include : - Section 611 ( 15 U.S.C. 1681i ) : Credit bureaus must investigate disputes filed by consumers. - Section 609 ( 15 U.S.C. 1681g ) : Consumer
s have the right to access information in their credit reports.

- Section 604 ( 15 U.S.C. 1681b ) : Regulates the circumstances under which a credit bureau can furnish a credit report.