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

I have been closely monitoring my information on my credit report and noticed a couple accounts with XXXX XXXX XXXX. 
XXXX XXXX XXXX {$670.00} XXXX XXXX XXXX {$690.00} THESE ACCOUNTS I DO NOT RECONGNIZE AND I WOULD LIKE THEM REMOVED IMMEDIATELY. XXXX XXXX XXXX has only provided itemized statements of these accounts. I have asked multiple times for a contract agreement from their company with my wet signature being that my identity have been stolen multiple times over the years. I receive random fraudulent accounts to my credit report often. XXXX have confirmed that my identity have been breached which includes my phone number, home address, drivers license, and my birthdate. Itemized statements with my information at this point means nothing. Also my identity have been also breached with the major 2024 national public data as well which includes XXXX XXXX people.
Product: Checking or savings account

16 yrs client. Received letter on XX/XX/19 stating bank wants to terminate relationship. No reason, no contact name, only a XXXX no. to a person ( named XXXX ) who connected me to another person who said that the letter was valid. But could give no reason.
Product: Credit reporting or other personal consumer reports

My Identity was stolen since last year in XXXX two auto accounts appeared and along with many inquires and an install account about a month ago showed up. I have disputed these account multiple times as ID theft and they refuse to remove or block the accounts because the furnisher is disagreeing.
Product: Credit reporting or other personal consumer reports

I have inquiries on my credit report that I didnt authorized. These inquires are all fraudulent, The Fair Credit Reporting Act ( FCRA ) Section 605B outlines the information needed to dispute fraud on a consumer 's credit file : Proof of the consumer 's identity A copy of an identity theft report Identification of the information in question by the consumer A statement from the consumer that the information is not related to a transaction they made XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently gained access to my credit report and verified 3 accounts that do not belong to me. These accounts are named XXXX XXXX XXXX  XXXX - {$330.00}, The XXXX XXXX - {$3700.00} and XXXX XXXX XXXX - {$1700.00}. I have never applied for services with any of these companies or have credit through them. I need the credit reporting bureaus to correct this information as according to the FCRA in removing incorrect account information. I need the credit bureaus to investigate and verify my signature and accepted of the debt listed.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on it. Please remove this account from my report because it is hurting my ability to obtain credit. Also, I have attached a letter from the company indicating that it should not be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting a balance of {$810.00} open XX/XX/XXXX. I have filed disputes as recently as XX/XX/XXXX showing that this is not my account and the information is inaccurate but XXXX XXXX has added this account back on my credit report fraudulently. I would like to report them for fraudulently reporting and harassment as I have been asked to be contacted via mail so that I have written responses.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX TODAYS DATE : XX/XX/XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX Reported : XXXX. XXXX, XXXX + {$0.00} Closed XXXX Reported : XXXX. XXXX, XXXX + {$0.00} Closed THESE INQUIRIES DO NOT BELONG TO ME The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

I requested a copy of the 1099-C form Creditor filed with the IRS. On XX/XX/24 an letter was mailed to XXXX XXXX XXXX, certified mail and return sender ( USPSCM # XXXX ) requesting the copy of 1099- C Form.

Not only is this company committing security fraud, but they are committing tax fraud as well. While I have NOT received the copy of the 1099-C Cancellation of debt form that XXXX XXXX XXXX filed with the IRS. It is important to rectify this situation promptly to avoid potential tax implications and to ensure accurate reporting on my consumer report. Why are are they witholding the copy of the 1099 - C, and why wasn't a copy sent to me as soon as filing with the IRS? I am requesting XXXX XXXX XXXX to send me the requested documents per my request immediately. I am also requesting your company to cease requesting payments on an account that has been canceled debt. It is important to align with the FCRA, and IRS guidelines and accurately reflect the cancellation of debt status to avoid any further confusion or potential legal issues.

They have sold this debt to a third party XXXX XXXX XXXX this is a violation ( 15 USC 1681eb.
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 name : 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 has violated my rights. 

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C. 1681B ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

I explain to them several times my information was stolen I even file a police report for stolen information .and according to 16 18 U.S.C . 1028 ( 1 ) Identity Theft and XXXX XXXX XXXX XXXX XXXX  '' which makes it a crime to knowingly use another person 's identifying information without lawful authority ; essentially defining identity theft as a federal offense. 
Section 623 ( e ). The FCRA prohibits information furnishers from providing information to a CRA that they know or have reasonable cause to believe is inaccurate.
Product: Debt collection

A letter was received from American coradius international llc on XX/XX/21 stating they were attempting to collect a debt that I owe to XXXX in the amount of {$65.00}. 

I called XXXX and they verified that I have a XXXX balance and they have not referred my account to a debt collector. XXXX is unaware of why a company would be attempting to collect a debt in their name as there is no debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT This is about XXXX XXXX XXXX entered with your Company dated XX/XX/2021 and I extended your organization the credit for the account no. XXXX XXXX XXXX XXXX I hereby give your Company notice pursuant to 15 USC 1602 ( k ) that your Company never provided an adequate notice which clearly & conspicuously mentions the pertinent facts of this transaction. Your Company didn't even inform about the Cost of Credit and the only evidence of the indebtedness was just a computer-generated agreement.

According to 15 USC 1602 ( k ), the term " adequate notice '' means a printed notice to a cardholder which sets forth the pertinent facts clearly and conspicuously so that a person against whom it is to operate could reasonably be expected to have noticed it and understood its meaning. Such notice may be given to a cardholder by printing the notice on any credit card, or on each periodic statement of account, issued to the cardholder, or by any other means reasonably assuring the receipt thereof by the cardholder.

Since adequate notice was not given as per the above-mentioned section, I couldn't understand its meaning which is a violation under 15 USC 1602 ( k ).

Further, pursuant to 15 USC 1601 ( a ) a consumer must be aware of the cost of transaction. Since I was not aware of the transaction therefore made an uninformed decision and it resulted in multiple billing errors, and unfair credit card practices.

From your end, I have not benefited from this transaction which is again violation of 15 USC 1602 ( p ).

According to 15 USC 1602 ( p ), The term " unauthorized use '' means a use of a credit card by a person other than the cardholder who does not have actual, implied or apparent authority for such use and from Which the cardholder receives no benefit.

I hereby request you to do the below-mentioned things ; Update my account to paid as agreed and remove it off collections If you accept my request, I will not escalate this matter to Federal Court . In case, you don't accept the above requests, a legal action shall be taken against your Company for compensatory damages.

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Checking or savings account

I am writing to file a formal complaint regarding an unauthorized check cash transaction that occurred on XX/XX/2018, involving check number # XXXX. Despite my immediate actions to prevent this fraudulent activity, I was dismayed to find that Bank of America proceeded with the transaction, causing significant financial inconvenience and distress over an extended period. 

On XX/XX/2018, I issued a check in the amount of {$5000.00} intended for payment to a contractor. However, before the scheduled payment date, the contractor unlawfully obtained and cashed the check without my consent. This unauthorized transaction not only resulted in financial loss but also exacerbated existing issue in long time, and brings with it some problems not resolved yet. 

Upon discovering the theft, I promptly contacted Bank of America to report the incident and going to account online took measures to cancel the check and transfer funds from my checking account to my savings account try protecting funds cover money of check. Despite my efforts, Bank of America failed to prevent the unauthorized transaction and allowed the stolen check to be cashed, resulting in an overdraft on my account and incurring a {$35.00} fee. Furthermore, the bank processed the check a day earlier than instructed, disregarding my explicit directions for " deposit only '' and the specified due date of XX/XX/2018, but again check # XXXX was stolen cash on XX/XX/2018. 

Additionally, I am deeply concerned by the lack of empathy and urgency displayed by Bank of America 's customer service representatives in addressing my complaint. Despite providing detailed explanations of the situation, I was repeatedly advised to pursue legal action against the contractor rather than receiving assistance from the bank. 

While I have taken steps to report the contractor 's fraudulent activities to the Department of Professional and Occupational Regulation ( DPOR ), resulting in fines totaling {$2500.00}, I emphasize that this does not absolve Bank of America of its responsibility to safeguard my account and provide appropriate support in resolving this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is showing a negitive charge off from XXXX XXXX for XXXX dollars. I have called XXXX more than three times asking to verify that this is not me and they say they have nothing ever in my name being sent to collection nor attached to my account. 

I contacted XXXX again today XX/XX/2019 and once again was told I have nothing showing for sent to collection or canceled in my name or social. they dont have anything to provide me other than my past full up to date and current billing hystory. 

I have submitted to disputes to Experian ( the only credit agency showing the debt ) and they have sent me back generic answers saying the debt is valid. 

Need to know what to do next. My next visit is with a lawyer. This mess has prevented me from buying a new vehicle and home this year.
Product: Credit reporting or other personal consumer reports

List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

TRANSUNION XXXX XXXX XXXX XXXXXX/XX/XXXX has violated my rights. 

EQUIFAX XXXX XXXX has violated my rights. 

EXPERIAN XXXX XXXX has violated my rights. 

I looked at my TransUnion Equifax Experian credit report on XX/XX/XXXX, and noticed some things 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 assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Bank account or service

I have a {$500000.00} CD in the BBVA Compass bank. The CD matured while I was out of town on businesstrip. The BBVA rolled the CD into a CD with 0.1 % interest. It was few days pastthe 10 days grace period when I found out the CD had rolled into another one. I asked the CD be broken and I would pay the usual 3month or 6 month interest penalty. I was told that there would be a 3 % penalty and Iwould have to pay {$15000.00} for early withdraw. The agreement I signed says at renewal, the bank will " disclose renewal terms '' to me. They never disclosed this 3 % penalty tome and this penalty was not in the original CD I signed up for. I have talked to theprivate banker, branch manager and district manager and they all say the 3 % penaltyca n't be waived. In fact some of the individuals I talked to at the bank were surprised by the 3 % penalty and told me that they also believed this to be excessive. I believe the action of BBVA with regards to this CD renewal isunethical and represents an unfair business practice. They did not " disclose '' the termsas they should have. I am a small business owner and I might have to go get a highinterest loan for my business while BBVA is holding my money hostage.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have found inaccuracies in my personal information on my credit report. I have already reached out to the credit bureaus to remove the inaccurate information and they have not replied with status of the investigation or any other update. Per, 15 USC Subchapter III 1681 ( i ), the credit bureaus are to let me know within 5 business days that they are investigating the inaccuracies. Below are the inaccuracies that are to be removed : Names XXXX. XXXX XXXX XXXX XXXX. XXXXXXXX XXXX  Date of birth : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Employers : XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. XXXX XXXX
Product: Credit reporting or other personal consumer reports

I XXXX XXXX  currently have fraudulent inquiries appearing on my Equifax report. 

XXXXXXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX
Product: Checking or savings account

I had all the money from my closed IRA and unemployment in my Suntrust checking account. I used the account XXXX  night and XXXX  my account was closed without any email or call from bank leaving me literally with {$0.00} to my possession when I could they simply said they closed my account without any explanation and couldnt access any of my money until theyre investigating was done. I recently lost my job due to covid and this is the only $ i had to my name and I can even get an explanation after banking with them 9 years. This is second time they did this to me
Product: Credit reporting

I have been a VICTIM of your " inquiry issue ''. 
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 customer service would not help to take care of the negative inquiries reporting to my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I sent a certified letter with return receipt via the US Postal Service to Equifax disputing the an erroneous account on my credit report. I asked for the account to be verified and validated, and to have the documents sent to me that were used to verify and validate this alleged debt. I received notice that they received my letter but they have refused to respond to me. It has now been more than the 30 days, which by federal law via the Fair Credit Reporting Act and Code of Federal Regulations that they have to respond to me as a consumer. By law, since they willingly chose to respond, they now must delete the account in which I disputed. I have attached the documentation which was sent and received by them.
Product: Debt collection

XX/XX/2017 Re : Account ending in XXXX : Seller XXXX/ Original Creditor : XXXX Creditor to whom debt is owed : Portfolio Recovery Associates LLC {$840.00} ( {$840.00} ) Called after sent written cease of communication notice. This is the 2nd written communication! They are still calling and we can see calls on TV screen with our phone service thru XXXX. Repeated calls at all hours. They have no respect for the laws of this Country ( USA ) and for other human beings. They have no shame!
Product: Checking or savings account

Bank of America been a customer for 15 years. On XX/XX/2022 I took XXXX XXXX  all hundreds to the bank to deposit. I used the ATM you can deposit up to 75 bills at a time. First deposit was {$4400.00} no problem second deposit was for {$7500.00} machine stops working and spits out receipt that reads second deposit credits me {$3700.00} a difference of {$3800.00} ... We apologize for the inconvenience. we created an issue record that will be attached to your transaction. Please retain your receipt until you have spoken with an Electronic claims associate. they can be contacted at phone # to resolve the issue. I call no problem sir they put the {$3800.00} in my account within 48 hours it took 96 hours but everything was correct so I was fine. Then on XX/XX/2022 I get a letter stating they only found {$800.00} of my {$3800.00} and that they would be taking {$3000.00} from my account on XX/XX/XXXX and the case is closed! So I closed all my accounts asap and moved to the credit union. On XX/XX/XXXX I got a letter that I owe {$3000.00} and my accounts are all closed. I know for a fact I had XXXX XXXX  and came home with {$8100.00} so I deposited {$11000.00}. Bust out the cameras and see me in court!
Product: Credit reporting or other personal consumer reports

I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is governed by 15 USC 1681, and they violated my rights a number of times. I demand the accounts listed below be deleted because According to the 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

Accounts : XX/XX/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 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  Account Status XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Age of Account
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not given you written permission to put anything on my credit profile 15 USC 1681b Permissible purpose of consumer reports Subject to subsection ( c ) any consumer reporting agency may furnish consumer report Under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. You have no permissible purpose by law to contact third parties with my private or personal information. XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$100000.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$10000.00}, and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$140000.00}. Please delete these ASAP.