23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

My father, XXXX XXXX died XX/XX/2018. A man from First Financial Asset Management called about an unspecified debt. He would not clarify the debt he claimed was owed but he demanded my fathers death certificate and my POA. I am his executor and the Will has been probated. I am told after death a POA would be invalidated. I gave the man an address where he could send documentation of the purported debt but he continued to ask for proof of my fathers death.
Product: Credit reporting

Investigation took more than 40 days, did not recieve any notification that investigation was complete or that the reinserted information, bankruptcy
Product: Checking or savings account

My account was restricted on XX/XX/scrub> 2024. I have been calling for days with no updates, nobody can give me a timeframe, and I also filed numerous follow ups/escalations. I have kids and bills and this is my only bank account. I also had a representative hang up mid conversation. I have requested to speak with manager each day and have not received any type of callback. The manager is never available. This is a nightmare!
Product: Credit reporting or other personal consumer reports

I previously filed disputes with XXXX, XXXX and equifax to investigate and remove several incorrect and fraudulent collection accounts, charged off accounts and incorrect and fraudulent late payment reports on my credit repot that is greatly impacting my credit score and nothing was done and I received no information regarding that investigations despite requesting the investigative effort reports on many different occasions.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX  XXXX account # XXXX ; XXXX XXXX  XXXX, account # XXXX ; and XXXX XXXX XXXX account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

These companies pulled my personal information without my permission. I have tried resolving with the companies and the companies would not delete their information off of my credit report. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX LISTED TWICE NOWXXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

XXXX current case Would like for an ATM picture of me making deposits on XX/XX/XXXX between XXXX at XXXX XXXX XXXX XXXX branch XXXX I indicated XXXX transactions of {$6500.00} and {$4600.00}. There were was no printed receipts since scammer told me one was not needed. The amounts were around {$6500.00} and {$4600.00} and dont have the exact to to the dollar but these XXXX large amounts for transactions were deposited and would like from the ATM machine the exact time and the amounts that went into that machine to the scammer 's debit card. I am 100 % these were the only types of this amount that went to that ATM machine. At this location the ATM is in the bank and is not accessible XXXX hours -- at that branch-closes at XXXX Scammer was on the phone from XXXX until a little after XXXX and then called me back for more instructions. I attempted to contact my cell phone provider XXXX and XXXX to request phone call records of the scammer giving the information on the call but told unable to give and can only provide the phone logs of the calls that came from XXXX. This call started at XXXX pm and lasted XXXX hrs XXXX min and XXXX seconds and they were on the call instructing me to add the debit digital card ( that was suppose to be my card-that did not happen ) and told me how to go the the ATM to login in as myself and then scan my phone with the digital card that was given over the phone with a pin number of XXXX in order for the cash to be deposited. I have the phone logs if needed of all the calls from this number on XX/XX/XXXX and XX/XX/XXXX. Thank you.
Product: Credit card or prepaid card

I applied for a discover card in XX/XX/2018 with a zero percent interest rate for 12 months. For the last 2 months I am now being charged interest. I spoke to several people at discover who were not helpful in getting this resolved.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

We incorrectly received a delinquent notice dated XXXX/XXXX/XXXX for our line of credit acct for past due amt {$150.00}. We had made 2 prev pmts of {$500.00} on XXXX/XXXX/XXXX and {$500.00} on XXXX/XXXX/XXXX. Both pmts were made via paper check ( mail ) through the same bank XXXX XXXX XXXX that our LOC acct is at and both cleared our checking acct. Upon online investigation the 1st XXXX pmt was reversed on XXXX and {$340.00} of the 2nd {$500.00} pmt was reversed on XXXX/XXXX/XXXX. The local XXXX branch where loan was opened stated they could not help as they only open the accts and I was given a number to call. XXXX contact that same day XXXX XXXX/XXXX/XXXX XXXX to XXXX rep was no help- no explanation of delinquent notice or pmt reversals. I was promised a return call next day-never happened. 2nd phone call on XXXX/XXXX/XXXX also brought no answers. There was again a promise of a return call which did not happen. We have also sent an online message through our bank and no one has responded. We would like to know our rights as XXXX Bank is illegally charging us interest, refusing to post our pmts, keeping the funds from reversed pmts on this account XXXX our checking accts were not reimbursed for the reversal of either pmt ) and ruining our credit with false delinquent notices on a timely account. Please advise.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XX/XX/2022 XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/2022 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/year> the XXXX XXXX XXXX started the process of depositing a check into my business account # XXXX in the amount of {$33000.00}. The XXXX XXXX XXXX requested to letter head from Bank of America verifying my account is active, and also requested for the document to be signed by the banks representative along with their contact information. 

Bank of America proceeded to make thing very difficult for me to get this information processed in order to submit to the XXXX for check deposit processing. Instead the only sent me a letter head in the mail, but refused to sign the document as requested by XXXX in order to fully deposit the check. This incident happened in XXXX, Tennessee at XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX. I live in XXXX, TN and I also live in XXXX, Texas where my business is headquartered. Since the branch in XXXX did not cooperate I had to travel to XXXX, TX in order to get the document signed. XXXX XXXX signed and stamped the document for verification to submit to the XXXX on XX/XX/year>. 

I then submitted the document to the XXXX for processing the check into the amount of {$33000.00}. I signed the loan contract on XX/XX/year>. The deposit had been submitted for processing to deposit the check amounted in {$33000.00}. However, I received an email that I had not noticed that Bank of America had closed my bank account the same day of XX/XX/year> when the banker XXXX XXXX signed the document to verify my bank account for the XXXX XXXX XXXX. 

Since this incident occurred I never received my check in the amount of {$33000.00}. They started the process to close my bank account on XX/XX/year> without any explanation. I did have an overdraft of {$230.00} that I was about to pay as soon as possible. However, my account was closed before I had the chance to bring my account to a XXXX balance. Bank of America gives you 120 days in the negative before they close your account if not paid and brought back into a positive state. However, my business account was not that far along with a negative balance. 

Overall this incident cost me {$33000.00} that I never received to get my livelihood back into balance after facing tremendous challenges due to XXXX and life unfortunate circumstances. Please assist.
Product: Credit reporting, credit repair services, or other personal consumer reports

Current Date Your Name Address City, State, Zip Code SSN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DL # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX D.O.B. : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CRA NAME Address City, State, Zip Code Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.

Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? 
Who verified these accounts? 
You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ).

Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

I demand the following accounts be removed immediately : Account : XXXX XXXX. Never paid late. 

Account : XXXX XXXX XXXXXXXX did not pay late XX/XX/2018 Account Number # XXXX XXXX XXXX XXXX XXXX : know knowledge of this account. 

Account number XXXX : XXXX XXXX XXXX XXXX - Know known knowledage of this account Account number XXXX : XXXX XXXX : know knowledage of this account Account number XXXX : XXXX XXXXXXXX XXXX : never been in this state
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I called XXXX XXXX XXXX XXXX, XXXX and Experian and advised of the inaccuracies on my credit report as well as inquiries I was not aware of. 
On XX/XX/2022, I received a letter from XXXX indicating the amount paid and date paid. They indicated in the letter they would advise CRAs. ( letter attached within this complaint ) On XX/XX/2022, I received letter from XXXX indicating XXXX account was verified as accurate. However, addresses were removed. I also requested specific inquiries be removed as well. They were not. 
On XX/XX/2022, I received a letter from XXXX indicating the XXXX account was verified as accurate. Again, addresses were removed as well as inquires. However, not all requested. 
On XX/XX/2022, I mailed all three CRAs letters indicating the inaccuracies i need to be addressed. I've attached those documents. 
On XX/XX/2022, I received a letter from Experian indicating the XXXX account was verified as accurate. However, addresses requested were removed as well as inquiries. 
On XX/XX/2022, I ordered credit monitoring from 3 different services and my reports was not and is not noted that accounts are in dispute. 
Still to this day my reports are not noted that the account was in dispute. This is clearly a violation.
Product: Payday loan

A loan worker calls me two to three times a day and leaves voice mails now they called my work to verify employment for wage garnishment. I have never received a judgment or an letter for garnishment. They have drove to my house an came up the drive they have called me several times a day an have contacted my employer under no legal grounds and are now making threatening phone calls to me I am feeling harassed and I never applied for a loan with this company they sent me a check in the mail.
Product: Debt collection

Experian is reporting a fraudulent XXXX Account that do not belong to me. XX/XX/2019 date open {$7400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In approximately XX/XX/XXXX, I received information from XXXX that an old account from XXXX   XXXX with a open date of XX/XX/XXXX was scheduled for deletion from my credit file in XX/XX/XXXX. So far, this item remains on both of my XXXX and Experian credit reports. 
I attempted to file a dispute through XXXX XXXX with XXXX regarding this item. I began at approximately XXXX XXXX on XX/XX/XXXX. I filled out my information, and received a message that the system would be unavailable in 5 minutes for " nightly maintenance ''. 
I also saw an " OK '' button that when clicked, did nothing.
Product: Credit reporting or other personal consumer reports

Subject : Request to Block Fraudulent Information on Credit Report Pursuant to FCRA Section 605B and 15 U.S. Code 1681c-2 ( a ) Complainant : XXXX XXXX Complaint Details : I am submitting this complaint to demand prompt action under Section XXXX of the Fair Credit Reporting Act ( FCRA ) and 15 U.S. Code 1681c-2 ( a ). Being a victim of identity theft due to a data breach, I am invoking my rights to have inaccurate information removed from my credit file.

Nature of the Issue : As a result of the data breach and subsequent misuse of my Social Security Number ( SSN ) and other sensitive details, I identified unauthorized accounts and transactions on my credit report. These fraudulent entries have harmed my credit profile, as demonstrated by a recent credit denial from my financial institution. 

The items I am disputing and requesting to be blocked are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Supporting Documentation : I have included the following documentation to substantiate my dispute : A copy of my original dispute letter sent to XXXX, XXXX and Experian. 

A copy of my government-issued ID and Social Security XXXX for identity verification. 

A copy of my Federal Trade Commission ( FTC ) Identity Theft Report. 

Legal Basis for the Request : Under FCRA Section 605B, credit reporting agencies must block the reporting of information linked to identity theft within four ( 4 ) business days after receiving the consumers dispute and accompanying evidence. Additionally, 15 USC 1681c-2 ( a ) requires these agencies to ensure such data is excluded from the consumers credit report and that furnishers of the fraudulent accounts are notified of the block.

If further information or action is needed from me to resolve this issue, please inform me right away. 

Thank you for addressing this matter promptly. 

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

I HAVE SENT TRANSUNION 2 CERTIFIED LETTERS TO REMOVE FRAUDLENT AND UNAUTHORIZED INQUIRIES ON XX/XX/2020 AND XX/XX/2020AND THEY STILL HAVE NOT REMOVED THE INQUIRIES. NOR RESPONDED IN REGARDS TO THIS REQUEST, THEY DIDI REMOVE THE INVALID COLLECTIONS, BUT NOT THE INQUIRIES
Product: Credit reporting or other personal consumer reports

On XX/XX/year> the XXXXXXXX XXXX XXXX was paid off in full in the amount of {$350.00} the organization stated on multiple occasions that a letter with pay off date and pay off amount would be sent to me. I received a letter dated XX/XX/year> stating acvount had a balance of {$0.00}. I filed a XXXX  XXXX on XX/XX/year> upon doing this the company attached information on all three credit reports stating they were included when my account was paid in full. The company damaged my character and destroyed my credit. I have reached out to many customer representatives as well as supervisors in which, I call and all calls were routined to collections department in which the organization knew the account was already paid in full. I have asked to be compensated for defamation of character and falsey stating account was included in XXXX  XXXX and it was not. I'm looking for compensation of one- thousand dollars for pain and suffering. I finally received information from one creditor that the falsely information was removed from credit report as being included on my credit report. I have been fighting this issue for for over year and half. I have disputed multiple times with all three credit bureaus and they refused to correct issues until now. 
I have still not received letter from XXXXXXXX XXXX XXXXXXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX CLAIMS ON HIS PLATFORM TO BE A FAIR CREDIT REPORTING AGENCY FOR CONSUMERS HOWEVER IN DEALING WITH THE AGENCY ON XX/XX/2022 ABOUT A LACK OF UPDATE ABOUT XXXX VEHICLE LOAN I TOOK WITH XXXX XXXX AND PAID IT OFF ON XX/XX/2022 BOTH XXXX XXXX AND EQUIFAX STILL NOT ACCURATELY REPORTING THAT THE ACCOUNT IS PAID OFF AND CLOSE ..EQUIFAX STILL MAINTAINED THAT THE ACCOUNT STILL HAS ABOUT {$1000.00} TO BE PAID EVEN AFTER I SUBMITTED A DISPUTE ( MEANT FOR CONSUMERS TO HAVE A SAY ON THE STATUS OF THEY CREDIT HISTORY ) TO DOCUMENT THAT THE ACCOUNT IS NOT ACCURATELY REPORTED TO- DATE.THE REASON OF MY COMPLAINT AGAINST EQUIFAX IS THAT THEY RENDER THE DISPUTE PROCESS FOR CONSUMERS SO DIFFICULT ( YOU SYSTEM SET UP TO UPLOAD DOCUMENT FOR EVIDENCE NEVER ACCEPT FILE TO BACK UP ONE 'S CLAIM, AND EQUIFAX OPERATE BASED ON CORPORATE ANECDOTE THROUGH THEM NOT ALLOWING CONSUMERS EVIDENCIARY DOCUMENT EVEN THE ONE PROVIDED BY THE COMPANY THE DISPUTE IS AGAINST, AND IN MY CASE THE DISCHARGE LIEN DOCUMENT PROVIDED BY XXXX XXXX AND THE STATEMENT LETTER THAT THE ACCOUNT PROVIDED TO IS PAID IN FULL ) WHILE MAINTAINING THE SIDE OF ARGUMENT FROM CORPORATE AGENCIES .THIS DISPUTE PROCESS WAS NOT DIFFICULT THRU XXXX AND XXXX SO SIMPLE THAT AN OLD PERSON CAN DISPUTE WITH NO ISSUES.HOWEVER EQUIFAX TECHS IS NOT CONSUMER FRIENDLY OR LEAST INEXPENSIVE ( TIME, MONEY, SPEED ) TO CONSUMERS BUT HIGHLY INEXPENSIVE TO CORPORATE ENTITY THUS NOT FAIR IN TREATMENT.
Product: Checking or savings account

I noticed a fee of {$2.00} on XX/XX/20 for anATM balance inquiry using card # XXXX, which I had reported stolen, and presumed cancelled, on XX/XX/20. Not only did I not make the transaction resulting in the {$2.00} fee, it also should have been impossible given that the card was not in my possession and inactive, according to XXXX phone customer service but apparently not the case.
Product: Debt collection

I continue to get calls from this company, I believe it is High Point Asset @ XXXX. They are trying to reach XXXX XXXX at my cell number. I have spoken to them several times now, explained that this is not his number, explained that I have had this number for at least 15 years and request that they stop calling. Despite assurance otherwise, they continue to call XXXX at my number.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote a dispute letter to Experian and made several disputes online stating that they are showing incorrect information regarding ( XXXX XXXX  ) account. According to their report, they are stating that I've been late for three months which is false. They can't even tell me how much money was owed or anything. I have shown them proof that I did make the payments on time and proof of a check that XXXX XXXX issued me because they overcharged me. To top it off, they made the check to the wrong name and they had to reissue me a new check with my correct name.
Product: Credit card or prepaid card

I received a Verizon Visa credit card offer thru Synchrony Bank, signed up for the offer and was approved. The offer promised to save me {$10.00} a month on my Verizon bill, but I never received a discount and instead was given a {$28.00} fee. My Verizon bill was already set up for autopay but Synchrony Bank never sent me a paper bill. Three months later I received a letter from Synchrony Bank stating : When you were approved for your Verizon Visa signature card account, you agreed to go paperless with your statements. We have noticed you have not registered or have not completed registering at Verizonvisacard.syf.com to use online account services and have removed you from the electronic statement process. We will now only send you paper statements. Please register or complete the registration process at Verizonvisacard.SYF.com and re-enroll to receive electronic statements. You may have a payment due. Please register and view the status of your account ... ..

I registered online per the instructions in the letter to discover in the online information provided that I was not saving {$10.00} a month as promised and instead was assessed a {$28.00} late fee. I was not sent any paper statements so I was completely unaware of the overdue bill. I paid the statement balance online in full immediately. My credit score is in the 800s and I am an extremely responsible person so I am confused as to how this happened and can only assume I was scammed by Verizon and Synchrony Bank with their intentionally confusing credit card offer. I called the customer service number  provided in the letter, XXXX, and after going through Synchrony Banks automated system to reach a live agent I received an automated message that the number was no longer in service. I called back several more times and was still not able to reach a live agent, receiving only a vague message to try again later. There was no option to contact anyone via email or any other way other than the phone number that obviously didnt work. I feel I have been taken advantage of by both Verizon and Synchrony Bank. The lines are intentionally blurred so that you dont know which company youre dealing with. Its intentionally misleading and both companies are profiting by it.