vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I sent a dispute letter by certified mail on XX/XX/2023 to Bank of America to dispute the charge off they put on my credit report. 

On XX/XX/2023, I received a response letter from Bank of America to the dispute I had sent. First of all they sent their response is written in XXXX and they did not send an English version of their response even though my dispute letter is in English so I had to have the letter translated. 

In this letter they do not send competent evidence or records of validation that is bearing my signature, they only sent one page letter with a recently written dollar amount in the letter and the date the account was supposedly open without any official records or competent evidence bearing my signature for that debt. 

The dispute letter I sent specifically requested this, " I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. '' Bank of America did not provide this in their response letter, they did not properly verify the debt. 

Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 

I attached the dispute and response letters to this complaint

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25 00:00:00
Product: Student loan — Private student loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK
State: MA

Complaint narrative:
I am not a Discover Bank loan applicant or customer, but I have been receiving emails related to multiple Discover loan applicants. The information that was erroneously sent to me includes a valid loan reference number, name, credit scores, and detailed credit report information. So far, I have received information on six different individuals between XXXX XX/XX/2023 through today XXXX XX/XX/2023. I reported this data leak issue immediately to Discover since the first incident and had been reporting it to Discover every time I receive a notice. 

However, to this date, the issue still hadn't been rectified and I am still receiving info on more individuals. 

The customer service team I talked to wasn't able to provide any helpful information as to why I am receiving info on these individuals, and I felt I was talking to a vacuum. 

This is a serious leak and something businesses get sued and fined for. I am reporting the issue here as I've tried all I can so far and really didn't know what else I could do to stop Discover from leaking credit report info.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
On XX/XX/XXXX I was notified of a hard inquiry on my credit report from Transunion. The same day, also on XX/XX/XXXX, I received a confirmation email from XXXX 's congratulating me on my new XXXX 's XXXX  card, issued by XXXX  XXXX. I can't even remember the last time I went into XXXX 's ( if I ever have ) and I NEVER applied for this credit card. 

About a week later, the XXXX 's card showed up in my mailbox. When I called the " card services '' number listed, the person I spoke to immediately said she needed my social security number. I didn't feel comfortable offering this information and I hung up. 

Furthermore, I almost missed both the credit alert and the initial XXXX 's email because they were buried in what I have since learned is called subscription bombing. On XX/XX/XXXX, my email was flooded with hundreds of confirmation emails from hundreds of random websites.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Self Financial Inc.
State: TX

Complaint narrative:
To whom it may concern : After I made the decision to use my rights under FCRA, I was looking to challenge any inaccurate information in my credit reports. By fighting back against this injustice, I am ensuring that the information on my credit report is accurate and reliable. I have every right to challenge any inaccuracies in a manner compliant with federal law when they are impacting my credit score and my ability to get loans. This is just an allegation. There's no proof that I'm delinquent or derogatory, so how can you report this? With all due respect, the claims within my report are wrong! You have to follow proper procedures if these claims are in your system and to be used in my credit reports! I challenge the accuracy and fairness of your findings by demanding evidence before you make any claims and take such drastic measures against my reputation. I know that you cant just decide which rules apply to your organization, so I won't let anyone report any false claims. It's important to make sure all of your claims are accurate and reported in the correct format- this is required by law ( FCRA ) as well as XXXX XXXX standards. For any negative account, I demand documentation/proof proving why your company considers it delinquent or derogatory. You have yet to provide me records documenting how your company verified and validated these accounts/claims. Your proof of each negative claim you placed on my credit report should also include proof of a permissible purpose for any inquiry into the account. It's time for me to get my life back! I need you to send over some physical proof of what has been done and an updated credit report. Either confirm that this matter has been reported correctly or remove it from the report immediately. I am giving you 30 days to investigate. These allegations are without merit. Please provide accurate and verified information for each claim. If any of these claims are not true, please delete them immediately so I can restore my good name.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
I was trying to get in this apartment I was denied due my credit. there were all these hard inquires and collections that damage my credit According 15 USC 1681 law that's a defamation to my character.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: PNC Bank N.A.
State: AZ

Complaint narrative:
I was trying to get in this apartment I was denied due my credit. there were all these hard inquires and collections that damage my credit According 15 USC 1681 law that's a defamation to my character.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
A few weeks ago, I submitted a request to increase the credit limit associated with my corporate business account. Today, on XX/XX/2023, I contacted customer service to inquire about the status of the request. I was informed that a representative from the bank tried to contact me on XX/XX/2023. Unfortunately, I missed that call as I do not answer calls from unknown numbers. 

As a business owner, I often have a busy schedule and can not always be available at a moment 's notice. Additionally, I hold the status of a platinum with honors reward client, and I believe that should have warranted special attention and consideration. It is my belief that, under these circumstances, leaving a voicemail should have been a standard practice. 

I am deeply concerned that Bank of America 's handling of this matter may constitute a violation of privacy and data protection regulations that are put in place to protect customers ' personal information. 

The fact that I was not notified by any correspondence regarding the attempted contact and that the representative did not leave a voicemail or provide any other contact details further exacerbates my concerns. 

I would like to request that the bank conducts a review and investigation of their credit department to ensure compliance with privacy and data protection standards. 
Additionally, I believe the representative involved with the call on XX/XX/2023 should receive coaching to improve their communication practices. 

As a loyal and valued customer, I trust that Bank of America will address these issues promptly and take the necessary steps to safeguard consumers ' privacy and data. I hope that my complaint will be taken seriously, and appropriate actions will be taken to rectify the situation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
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. 
I told XXXX, transunion, and XXXX to reinvestigate these accounts : XXXXXXXX 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. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that are not reporting correctly.

15 USC 1681 sec. 602 A. states i have the right to privacy.

15 USC 1681 sec. 604 A sec. 2 : It states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1681c ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( 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. Everything being reported is inaccurate and i have never given written instructions to report anything from the beginning of the very first date they started reporting according to 15 USC 1681b

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
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. 
I told experian, XXXX, and XXXX to reinvestigate these accounts : XXXXXXXX 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. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that are not reporting correctly.

15 USC 1681 sec. 602 A. states i have the right to privacy.

15 USC 1681 sec. 604 A sec. 2 : It states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1681c ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( 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. Everything being reported is inaccurate and i have never given written instructions to report anything from the beginning of the very first date they started reporting according to 15 USC 1681b

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bull City Financial Solutions, Inc
State: OH

Complaint narrative:
I recently checked my credit report to find a fraud collection account reported for {$110.00}, opened XX/XX/, with the original creditor as XXXX XXXX, from Bull City Financial Solutions , Inc., XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, NC XXXX, phone number XXXX. I called this company and a man by the name of XXXX answered. He stated, after asking me for the last 4 of my SS # and birthday and name, that he has no account listed for me. I then called XXXX XXXX, they stated they have no account ever listed under my name or personal info either. I called Bull City back a second time. The same man, XXXX answered. I proceeded to ask him for documentation to be emailed or mailed to my home stating, on letter head, that he or the company has no information or an account for me. He refused to do so then proceeded to ask me for my husbands birthday, name and last 4 of his SS #. I hung up on him. I called the same company back a third time to see if someone different would answer to verify my suspicion that this man is scamming me and others. XXXX answered again, I hung up. I have called XXXX XXXX for a second time and they are sending me, via email, an affidavit to fill out and stated once that is completed to file a police report. I have also called all 3 credit agencies to file a fraud claim and dispute this collection attempt. I have researched Bull City Financial Solutions , Inc. on XXXX and there are many complaints for this man/company trying to get money from innocent people by filing a collection report on their credit report. This man/company is scamming people out money for his own benefit. This is theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/XXXX I received a wire of XXXX dollars from XXXX XXXX. She owed money to a friend of mine that asked if it could be placed in my account. I told my friend ok an I would give it to them. XXXX XXXX sent the money herself. Now I get a call yesterday XX/XX/24 from someone in the fraud department from wells Fargo claiming I commited fraud when I did not. XXXX put the funds in my account on her own. I should not be penalized for her claiming she did not authorized the transaction when clearly she did. Now my account with wells Fargo that in just opened is going to be closed leaving me with no access to my own money. Which is not fair what I do with my own money is no ones business. The lady who called me claims I scammed XXXX which I did not. Please help me reverse this. I can't open any bank accounts withother banks because of this

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ALLY FINANCIAL INC.
State: LA

Complaint narrative:
Someone used my information without my consent and leased a XXXX XXXX  that I never knew about or paid on but I reported it and the vehicle was repossessed but its still showing up on my credit report like I havent paid on the vehicle Ive talked and sent all information I know to the company ally financial but its still reporting and showing as a non payment situation on my report after after I and ally financial proved I never owned this car which was a whole state away

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I kindly request that you update my credit report and remove the public record that is currently listed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
To : Consumer Financial Protection Bureau RE DISPUTED CHARGES AND INTERFERENCE WITH ABILITY TO PAY HOMEOWNERS HAZARD INSURANCE. 

The attached letter and record files are submitted to CFPB for enforcement and to assist us in recovering unauthorized charges made by Specialized Loan Servicing , LLC which we believe is related, in some way to XXXX XXXXXXXX XXXX  XXXX. as an alter ego. 
In early XXXX we finalized a XXXX-year XXXX  XXXX bankruptcy payment program. At the time, loan servicer Specialized Loan Servicing , LLC confirmed to the Bankruptcy Court that there were no outstanding debts owed. Our XXXX XXXXXXXX program was successfully completed by XXXX, XXXX. 
On or about XX/XX/XXXX Specialized Loan Servicing, LLC contacted our insurance carrier and directed them to disallow us to make insurance payments directly. There is no escrow and Specialized Loan Servicing, LLC ( SLS ) already knows ( and previous CFPB complaint confirms ) that we dispute SLS 's claimed debt. SLS did not make any insurance payment. On XX/XX/XXXX we corrected this ploy by SLS to set us up for unauthorized charges with our insurance carrier. We made a monthly premium payment ourselves which we have been continuously doing since XXXX, XXXX when SLS took over loan servicing from alter ego XXXX XXXXXXXX XXXX XXXX 
Meanwhile, Specialized Loan Servicing, LLC charged our mortgage account periodic unauthorized fees now totaling {$69000.00} in year to date Fees/Charges/Optional Product.

We seek guidance and assistance from CFPB in stopping the loan servicer abuses made by SLS. We can provide any additional evidence requested beyond the attached correspondence made to SLS. We have extensive and valid legal evidence of all of our payments to SLS. In addition, we have numerous monthly billing statements and our Qualified Written Requests to SLS ( and alter ego XXXXXXXX XXXX XXXX XXXX  ( XXXX  ) ) which show the extent of their Fantasy Financials. SLS ( XXXX ) has continued their attempts to defraud us via bogus, unspecified, unauthorized charges and fees placed against our residential mortgage. 
Thank you in advance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
In the year XXXX I noticed on my credit report there was debts that did not belong to me, I hired a company to fix it but they did not. 

On XX/XX/XXXX I tried to fix it by my self, I called the company and they could not help me. 

I also filed identity theft and as they instructed me, I sent a letter to the companies that are reporting that I have debts with them. 

Today I took a look at my credit report account and they are still appearing.

Company response to consumer: Closed with explanation