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

I paid off my Bank of America credit card in XX/XX/2020 and changed all recurring payments to a new card, or so I thought. Apparently I forgot XXXX auto-charge, for {$42.00}. They explained, when I called them, that this balance carried over for 3 months, until I got a statement in the mail saying they closed my account for non-payment. I did not get any phone calls or notices in the mail saying I had an outstanding balance or notification that my account would be closed. They claimed that I was on e-notices, which I am. I have and would have had no problems paying {$42.00}!!! I had a XXXX balance on this card and charged many transactions and had a long relationship with Bank of America. Probably over 15 years. Anyways, I believe they handled this situation terribly. They could have called me. They could have mailed me, even-though I try to save trees with my regular statements!!! -- -- Secondly, I have over {$200.00} worth of points that they do not want to honor because they said they closed my account for nonpayment. XXXX points to be exact. I could have just used points to pay for that {$42.00}. They won't let me and they will not give me the reward. I have paid the balance + interest, which was {$46.00} that I just paid. I owe them nothing. They owe me my points.
Product: Money transfer, virtual currency, or money service

XXXX dollars was sent out to recipient but was never received..the recipient account was hacked.This transaction was done on XX/XX/year>.
Product: Credit card or prepaid card

I try to login to XXXX XXXX  XXXX ( Blackhawk Network ) to check my gift card wallet balance, I get an error message. It is the same error message for the past month. I have prepaid/gift cards in my virtual wallet online that I can access or look up. It is incredibly frustrating because I do n't have all of my gift card numbers on me physically, but I do have them on XXXX XXXX XXXX ( then going to log in instead of registering ). I ca n't login and have tried calling them numerous times but the company still says they are still working on it. I need to access these funds and check my balances but I ca n't because they have neglected their websites and their clientele.
Product: Credit reporting or other personal consumer reports

I've contacted the credit bureaus about this inaccurate data within my credit reports. I can not list everything on this FTC report but the accounts and addresses I do not recognize are continued here. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/2023 I woke up to a text saying my account was negative XXXX dollars, my brother than sent XXXX dollars and my account said negative XXXX dollars. I was supposed to get paid today, but instead they released my check on XX/XX/2023 with a total of {$420.00} dollars. They took my money out, and I had a balance of {$340.00} dollars last night. It is very unprofessional and inconvenient for me to lose this money. I am a college student who is already struggling. I have bills to pay that are due today that I can not all because of a mistake they made. After calling they said they can not guarantee a date of when my money will be returned. It has left me in emotional distress from me crying all morning and evening because I have no money and no one to depend on with helping me get money to last me until Monday. I would like to file a lawsuit against Wells Fargo. This is completely absurd and just have had enough.
Product: Debt collection

LVNV FUNDING LLC XXXX, SC XXXX Mr. XXXX XXXX, President Mr. XXXX XXXX XXXX XXXX, Vice President Mr. XXXX XXXX, Treasurer Fax Numbers ( XXXX ) XXXX Primary Phone Numbers ( XXXX ) XXXX THIS COMPANY IS REPORTING INFORMATION ON MY CREDIT REPORT AND I HAVE DISPUTED IT SEVERAL TIMES. THEY ARE NOT VALIDATING THE DEBT AND I DON'T RECALL RECEIVING ANYTHING FROM THIS COMPANY REGARDING THIS ALLEGED DEBT. A STATEMENT DOESN'T PROVE OR PROVIDE A CLEAR CHAIN OF OWNERSHIP OF THE DEBT. SINCE LEGAL AND PROPER DOCUMENTATION HASN'T BEEN PROVIDED I AM REQUESTING THEM TO CEASE COLLECTION ACTIVITY AND REMOVE THIS ACCOUNT FROM THE CREDIT BUREAUS .A : LVNV FUNDING LLC never then sent a collection letter to Plaintiff that included the required 1692g validation rights disclosure. 
B : According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract. 
C : The FDCPA ( Fair Debt Collection Practices Act ) specifically prohibits a debt collector from using false, deceptive or misleading representation in connection with the collection of any debt. 15 U.S.C. 1692e
Product: Credit card or prepaid card

I opened a credit card account with Comenity Bank/Wayfair in XX/XX/XXXX. I am experiencing an issue getting a payment applied to my account balance, getting Comenity to acknowledge the payment, and Comenity 's failure to provide access to 24 months of statements as stated on their website. 

My payments are due on the XXXX of each month. On XX/XX/XXXX, a payment for XXXX 's bill was sent to Comenity bank in the amount of {$540.00}. They received it on XX/XX/XXXX. That payment, which was above the minimum payment amount, has not been credited to my balance as of XXXX XX/XX/XXXX. In order to avoid being late, I had to make an additional payment of {$67.00} on XX/XX/XXXX because Comenity Bank failed to credit my first payment. 

I have received conflicting statements from Comenity 's customer service representatives. Some believe it should have posted already while others state " it could take awhile ''. Meanwhile, Comenity bank is benefitting from charging me interest on the higher balance. 

Further, when viewing statements online, Comenity bank states that customers can view up to 24 months of statements online, however, they do not provide customers with the option to view statements prior to XXXX. Comenity bank has not provided access to XXXX statements.
Product: Student loan

I make multiple attempts to reduce my monthly payment. Do to my current income and living expenses I 've been forced to put my loans into forbearance which subsequently accrues interest.
Product: Debt collection

This company will call me, leave me voicemails, and emails about this and offer promotions in the emails but still harassing you about paying the whole amount.
Product: Debt collection

The debt was paid in full to company XXXX, not to a collection company yet they continue to report on my credit report.
Product: Debt collection

XX/XX/year> after blocking numerous calls from Midland credit management i answered. They stated that my husband was being sued by them and wanted information from me and that there were going to sue. i did not admit that he was my husband or whom i was. after several requests from them to leave me alone and remove my number the put someone else on the phone. i told them to stop and spoke not very nice to them and hung up. And they still called back with different numbers.
Product: Mortgage

I am a   XXXX   XXXX  . On    XXXX   XXXX  , 2017 we  ordered a payoff statement from Fay Servicing , LLC of  XXXX , IL. We received the payoff statement and o n  XX/XX/XXXX   paid the loan in full. On   XX/XX/XXXX  I re ceived notification from the new owner of the property that the mortgage holder was attempting to " winterize '' the house and change the locks. I contacted Fay Servicing , LLC to find out why they loan had not been cancelled and was told that they payoff they received was short by nearly {$600.00}, eventhough they were sent funds in excess of the written payoff demand. We were never notified of an issue with the payoff  and Fay Services refuse s to take responsibility for the mistake. I have yet to receive a revised payoff statement showing the balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive filed a identity theft repost and wrote into the 3 consumer reporting agencies to block and remove information, but they did not do so. 

The following companies reporting to the Consumer Reporting Agencies DID NOT follow the Opt Out guidelines stated in 1016.7 Form of opt out notice to consumers ; opt out methods. 
With is a violation of my Consumer Rights, Right To Privacy, and private property being used for public use without just compensation The reporting of these accounts have caused credit applications to be denied and low credit limits offered. This resulted in set backs in my personal family and household necessities. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

I am disputing my Late Payment For XXXX XXXX because XXXX XXXX supposedly late payment was never on my report until i disputed my report regarding my Late Payment in XXXX XXXX. I was n't disputing it was late in XXXX. I recognize this but they went ahead and put more then XXXX payments late which is n't true. I told all XXXX companies I was going to get a Credit Attorney and Sue for not only falsifying information on my report but categorizing as ( XXXX ) payments late, when it never was. If it had been I would 've disputed. I also believe they may have been removed previously but after carefully reviewing I was n't 30 days past due in XXXX XXXX. My payments are DUE on the XXXX of the month and becomes 10 days late on the XXXX. The following month, if not paid by the XXXX or XXXX however 30 days works out then I 'm 30 Days Past Due and I have always manage to pay before then. XXXX also offers me a Skip Payment that 's moved to the end of my loan, whenever there 's a Hardship but they would n't in XXXX ... You can verify this with them ... 

Equifax & XXXX have updated my report as you can see ... ..because they know this was never there and actually took BOTH LATE PAYMENTS OFF ....
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted to receive a response by writing but i did not. Inaccurate late payments are hurting my score and according to 15 U.S. Code 1666b - Timing of payments ; they must be removed from my report. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments Acreditormay not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless thecreditorhas adopted reasonable procedures designed to ensure that each periodic statement including the information required bysection 1637 ( b ) of this titleis mailed or delivered to the consumer not later than 21 days before the payment due date.
Product: Credit reporting, credit repair services, or other personal consumer reports

I several fraudulent accounts on my report that I disputed as such and wasn't removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Debt collection

Re_aged litigation debt reporting after a class action lawsuit with FTC about XXXX, using UNFAIR CREDIT REPORTING with THIRD PARTIES COLLECTION AGENCY/ AS BEING SOLD..no re- investigation attempts, despite all of my disputes..This is the 4th collection agency bouncing back and forth.
Product: Money transfer, virtual currency, or money service

On Friday XX/XX/2024 at approximately XXXX XXXX  I visited the Bank of America located at XXXX XXXX XXXX XXXX, XXXX, MD XXXX. I was attempting to make a large withdrawal, the teller then proceeded to stare at his computer screen for about XXXX minutes. Next, the teller called his supervisor and when she came, she then proceeded to stare at his computer screen for about XXXX minutes. Next, the supervisor told me that she did not have access to the vault and then made a phone call saying that she had to call another bank. I told the supervisor that I understood and that I would be willing to accept a withdrawal in whatever the bank could spare. I asked to withdraw {$1000.00} and then {$500.00} and the supervisor said, " I do not have any money I can give you. '' I then asked for {$100.00}, and the supervisor still said, " I do not have any money I can give you. " All the while witnessing other customers cash their checks right in front of me. I left and went to the XXXX XXXX XXXX location, where I was properly taken care of. I recanted my experience at XXXX XXXX XXXX XXXX with the employees of the XXXX XXXX XXXX location. They were in disbelief that the XXXX XXXX XXXX XXXX location was not able to let me withdraw any cash from any of my accounts with Bank of America. I have been banking with Bank of America for more than XXXX  years and I honestly thought that I would never have to say this, but I feel like I feel that I have been unfairly and poorly treated. This entire situation has been weighing heavily on my mind since it happened, because I feel that if I looked a certain way, then I would have had no issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive disputed these accounts with Equifax and they have yet to be deleted. They are not my accounts and there is no proof with my signatures
Product: Credit reporting, credit repair services, or other personal consumer reports

I see four hard inquiries on my credit report for which I'm unaware of those inquiries. 

1 : - XXXX  XXXX inquiry made on XX/XX/2022 XXXX : - XXXX inquiry made on XX/XX/2022 XXXX : - XXXX XXXX inquiry made on XX/XX/2022 XXXX : - XXXX XXXX  inquiry made on XX/XX/2022 Please help in this regards
Product: Credit reporting, credit repair services, or other personal consumer reports

transunion reported 7 inquiries that I did not gave permission to. I did not request any of those accounts. when I contacted transunion, they sent me a letter stating that they " can't do anything about it ''
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX- XX/XX/XXXX XXXX XXXX - XX/XX/XXXX, XXXX XXXX- XX/XX/XXXX, XXXX XXXX XXXXXXXX-XX/XX/XXXX, XXXX- XX/XX/XXXX- XX/XX/XXXX, XXXX   XXXX XXXX - XX/XX/XXXX, XXXX XXXX XXXX-XX/XX/XXXX, XXXX   XXXXt-XX/XX/XXXX, XXXX XXXX-XX/XX/XXXX. I just want it noted that their Customer service Representative would not help take care of the negative inquiries on my credit report.
Product: Checking or savings account

I received a wire transfer from my father of {$68000.00} to my Citibank checking account on XX/XX/year> that i have been using for over 12 years since my college years. 

I wired {$26000.00} to my company account at XXXX which i have another account and my wife {$18000.00} to her XXXX account to pay her credit cards. 

I saw the wires are on Temp Hold at citibank so i called and told them i made these wires. I also make wires to these accounts at XXXX from this Citibank account once a month. So there was no reason citibank hold these wires i made. I called citibank and told them i made these wires. 

They told me there was no problem and they were going to call me if additional information was needed. Around XXXXXXXX XXXX  citibank gave me a call which i missed because i was driving. 

Around XXXX i received an email from citibank my wires were cancelled and when i called them they said my accounts was closed. 

The next day XX/XX/year> Wednesday i received an email from citibank my accounts will be closed in 60 days and i will receive a check of the balance. 

I believe at closing i have over {$55000.00} in the account which the citi representative did not tell me how much i had which was frustrating. 

I have accounts in other major banks such as XXXX, XXXX XXXX XXXXXXXX and XXXX XXXX. 

Citibank put my in big financial stress i need that {$55000.00} in the account which i dont know when and if they will send the check for the balance i had at the time of closing. 

I need help from consumer finance to fasten the process so they send my check faster. I need to make my kids school payments credit cards etc.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im honestly stumped. Regardless of how many times I claim to be the individual writing this letter it seems this message is truly missed. For the record, Im the one whos initiating these disputes under my name. The following items are UNKNOWN to ME. I dont get why youre claiming these are fraudulent or of a high risk nature. The documents Ive provided are legit. These are mine, filed with the appropriate agencies & support my position. Lets get the record straight!!! First of all I know that under Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more th an 2 years, or both. Most importantly, Ive never sent my documentation to anyone else which seems to be a claim that constitutes high-risk due to potential fraud. According to FCRA 611 ( a ) ( 3 ) Determination That Dispute IsFrivolous or irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under 617 Civil liability for negligent noncompliance [ 15U.S.C. 1681o ] a person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

XXXX XXXX, XXXX XXXX  XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
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. Account XXXX XXXX account number XXXX Account XXXX bank net credit account number XXXX I look in Experian for credit report on XX/XX/year> and notice something 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 assume maximal possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( exb ). And according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatments of inaccurate or unverifiable information. ( A ) in general after any reinvestigation under paragraph ( 1 ) of any information disputed
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and register a complaint regarding the repeated inclusion of inaccurate addresses and collections on my credit report. These inaccuracies have caused me significant distress and have adversely affected my creditworthiness. I have attached a copy of my credit report highlighting the disputed entries for your reference. I have identified several instances where incorrect addresses have been associated with my credit report, as well as collections that I believe have been inaccurately reported. These discrepancies have not only been a source of frustration but have also hindered my ability to access credit and secure favorable financial terms. 

I would like to emphasize that I have never resided at the addresses in question, nor do I have any knowledge of the collections listed on my credit report. These inaccuracies are causing unwarranted harm to my creditworthiness, and I am committed to ensuring that my credit report accurately reflects my financial history. 

I kindly request that you conduct a thorough investigation into these discrepancies as required by the Fair Credit Reporting Act ( FCRA ). Specifically, I request that you : Verify the accuracy of the addresses listed on my credit report and promptly remove any addresses that are not associated with me. 
Investigate the collections listed on my credit report and verify their legitimacy. If any of these collections are found to be inaccurately reported or not mine, please remove them immediately. I also request that you provide me with a written response within 30 days of receiving this complaint, outlining the actions taken to correct these inaccuracies. If you require any additional documentation or information from me to facilitate your investigation, please do not hesitate to contact me. Please assist me to delete these following inaccurate addresses and collection : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My report shows a Derogatory credit from a company I never hired or authorized to perform services. I never signed or agreed to make payment. 

I never hired or authorized this medical doctor to do anything. Any services that may have been requested was done by another doctor or hospital. I never agreed to make payment or be responsible for payment. I also have XXXX XXXX XXXX with a 100 % coverage and no deductible even if I authorized the medical services ( which I did not ) I would have been covered by my health insurance provider.