23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls XXXX admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$20000.00} XXXX XXXX XXXX XXXX Balance Owed XXXX {$64000.00} XXXX XXXX XXXXXXXX XXXX Balance Owed : {$860.00} XXXX XXXX XXXX Balance Owed : {$14000.00} XXXX XXXX XXXX Balance Owed : {$21000.00} XXXX XXXX XXXX Balance Owed : {$14000.00} XXXX XXXX XXXX Balance Owed : {$14000.00} XXXX XXXX XXXX Balance Owed : {$17000.00}
Product: Credit card or prepaid card

The Covid Economic Impact Payment prepaid debit card was issued to me and I used the information to find an ATM machine in which to access the money " without paying a fee ''. See attached screen shot. The website stated the XXXX at XXXX XXXX XXXX XXXX VA was such a location. The machine is labeled " PNC Bank ''. The first withdrawal was no fee. The second withdrawal I was charged a {$2.00} fee. The fee needs to be returned by either PNC Bank or other applicable party. I would not have used that machine if I had known I would be charged a fee.
Product: Credit reporting, credit repair services, or other personal consumer reports

Several Rocket Mortgage employees called me and left voicemails over several days. I had previously requested that I be removed from their sales list, so called back thinking there might be an issue with my mortgage. 

The salesperson I spoke with asked me several questions about my home situation ; throughout our conversation, I was clear that I had no interest in making any changes to my mortgage. The salesperson then stated that he was going to take a look at my credit to make sure everything was in line and asked me if the last four of my social were XXXX. I confirmed that the numbers were correct, and which point he immediately left the call and put me on hold - before I could ask what he meant by taking a look at my credit or why he would need to do so. I absolutely did not understand that he was going to make a hard inquiry into my credit. He did not use the words " mortgage inquiry '' or " hard inquiry. '' When the salesperson ( who referred himself as a " banker '' ) returned to the call, I asked him if he had just executed a hard pull on my credit report and he assured me that it was " no big deal. '' Unsurprisingly, my credit score was in fact negatively impacted by his action. I later contacted Rocket Mortgage to ask that the inquiry be removed from my credit report and they said they could not remove it because I consented to the credit pull by confirming the last four of my social. Again, I did not understand that the salesperson was asking for my consent to create a hard inquiry into my credit and had made clear that I had absolutely no interest in any new mortgage product.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Bureau did not perform an investigation
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX has violated my rights 15 USC 1681 section 602 A states I have the right to privacy. 
15 USC 1681 section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

I noticed on my credit report recently that a collection account was placed on my reports from a company trying to collect a debt for XXXX XXXX XXXX supposedly. I have not heard anything from the company or received any notification from them saying the account had been placed with them. I have no idea how to contact them or even try to pay them. I tried disputing with Equifax and XXXX saying I had no information about this company but both disputes resulted in them keeping it on my credit report. What should I do to even find out who this company is?
Product: Credit reporting or other personal consumer reports

Im Dispute this account to be Inaccurate Information Under FCRA Section 1681i now im also requesting the Copy of the Retail Installment Contract Copy of the Arbitration Agreement Copy of any other documents I signed that day Downpayment Receipt
Product: Credit reporting or other personal consumer reports

XXXX XXXX, on behalf of XXXX, fraudulently accessed my credit report on XX/XX/year>. I have a credit alert on my credit report due to ongoing identity theft. I called XXXX to request they remove the inquiry. I was transferred to someone in XXXX who was adamant I give my full social security number. I refused and requested someone within the United States. To nobody 's surprise, they only needed the last XXXX digits of my social.
Product: Credit card or prepaid card

TD Bank sent me a letter saying that they had my authorization to take the money out of my credit card. They do not have my authorization and they say they do better have it in writing.
Product: Debt collection

we have some fraudulent activity years ago, These companies said they would be deleting these accounts XXXX XXXX did their job. all clear XXXX  and XXXX  needs to remove XXXX  account XXXX XXXX  account XXXX XXXX XXXX XXXX bank of america XXXX
Product: Checking or savings account

I closed my Chase checking account online on XX/XX/19 via Chase 's secure messaging system, and requested to have the remaining balance sent to me by check for the amount of approximately, {$2100.00}. I was told the check would be sent out within seven business days. I never received the check and recontacted Chase via their secure message system on XX/XX/2019 to inquire on the status of my check. I was told again it would take seven business days until a check would be sent out to me, which I responded that I had already waited well past seven business days. I was then told the next day that I needed to physically go into a Chase branch to fill out a for for Declaration of Lost, Stolen, or Destroyed Cashier 's Check, and have it notarized. I initially refused because my work schedule does not allow me to easily go to any of Chase 's branches. However, I relented after a few days, due to the stress this situation was causing. After going into the XXXX, Virginia Chase branch on XX/XX/19, I waited for service for about an hour before finally speaking with a representative whose name was XXXX XXXX. XXXX told me I would have to fill out the form, and that I would be able to get a new check that day in the branch. However, after filling out all of the paperwork, I was then told that I could not actually receive a check that day, because I had cancelled the account online, and not in a physical store. This seemed absurd to me since I was physically in a Chase bank, and Chase should be able to cancel their own checks, and write their own checks, or so I thought. Regardless, I left after being told I would have my check overnighted to me most likely by Tuesday ( XX/XX/19 ), and that someone would contact me on Monday ( XX/XX/19) - neither of these things happened. Additionally, I contacted XXXX using the business card she gave me on my trip into the branch on the following Saturday (XX/XX/19 ). Her coworker answered her phone and told me she would be busy all day and would not be able to contact me until Monday. I asked XXXX 's coworked if she could inquire about my check, to which I was told she could not, and that I would have to wait until Monday. At this point, I am very concerned that I will not be receiving my funds, which I have been waiting for for nearly a month since closing my account. I don't know if the incompetency of Chase 's checking/mailing system is something that can be fixed, but I am contemplating getting a lawyer if I do not receive my check by the end of this week. I have spent hours on the phone, writing emails, going into Chase 's branch, etc, all for the purpose of trying to get my money back. This is completely unacceptable and I don't know where else to turn from here.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2019 I filed a disputed with Equifax regarding 2 fraudulent collection accounts on my credit report, 1 with XXXX XXXX and the other with XXXX. I called to check on the status of the report on XX/XX/XXXX and was told the items were still under investigation. I called to check on the status again XX/XX/2019 and was told both items came back verified on XX/XX/XXXX. Magically and investigation had been completed prior to calling but I was told it was still in investigation on XX/XX/XXXX. I asked for an independent investigation showing how the item was verified XX/XX/2019 asking to speak with several supervisors and they ALL said " we don't conduct independent investigations. '' I informed them it is FEDERAL law and they stated they only follow company policy. I again informed them that was illegal as they furnish data and that can be considered defamation and under 609 federal law if the item can't be verified with physical documentation ( i.e. A contract ) it must be removed. They proceeded to say " take legal action if you want to. '' These accounts need to be removed immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

ive mailed two letters to experian trying to remove addresses and names that dont belong to me and they didnt do anything
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act, the list of accounts bellow has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 as described : 15 U.S.C. 1681 section 602A. States I have the right to privacy.

15 U.S.C. 1681 section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681s-2 ( A ) ( a ) : 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 The accounts below have violated my rights : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

in 2022 because of my economic situation I applied to forbearence at the end of the forbearence they gave me two option " paid in full amount I owe " or " recalculation of my debt '' I agreed to pay full amount of {$10000.00} after that the mortgage company said I have still negative balance in my escrow because my property tax increased ( because I got pace program window installation ) but that difference is around roughly {$2700.00} compare than last year property tax, because of negative balance they said they need to cover this negative balance and future year negative balance thats why instead ( - {$2700.00} ) they said my new negative balance is around ( - {$6000.00} ) and I agreed to reflection to my monthly payment after this adjusment my monthly payment went up to from {$1600.00} to {$2500.00} after I made 2 payments called them and asked if I make adiitonal escrow payment what will happen, as of today representative said I still have negative - {$6000.00} escrow shortage and because I dont have {$3000.00} in my escrow for XXXX and XXXX based on florida law my new balance is- {$1400.00} so at the conclusion I have previous year shortage amount of - {$6000.00} ( said covers previous and following year ) and current year shortage - {$1400.00} in my escrow, I dont believe I have shortage the maximum amount I may have - {$2700.00} after XXXX and I made my payments if there is a remainig balance its spoused to be between $ XXXX {$2000.00}, I want to dispute their calculation or need help to recalculate, when I call them they only said have shortage
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made several attempts to have accounts that were due to identity theft deleted with resistance.
Product: Debt collection

This is a formal complaint against XXXX XXXX XXXX XXXX ( XXXX ). A visit to emergency room was covered under insurance and a claim was filed with my insurance company ( XXXX XXXX XXXX XXXX, Texas ). Insurance company requested additional information before they could make a payment. XXXX ignored the information request and reported the account as delinquent to a debt collector. XXXX never sent me a bill of any outstanding balance, nor did they inform me about claim denials. First contact on the balance was from a debt collector asking to pay up the entire amount. When I protested I was told to talk to my insurance provider as if it was their mistake. Spoke to XXXX and they said they have n't sent anything to the insurance company and that my account should never have been marked as delinquent or reported to the debt collector.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, This letter serves as an official and urgent demand for immediate correction of the blatant inaccuracies in my consumer credit report, which I lawfully obtained under the Fair Credit Reporting Act ( FCRA ). Your continued incompetence and failure to abide by the explicit legal standards outlined in the FCRA is not only unacceptable but also a direct violation of my rights as a consumer. The FCRA mandates, in no uncertain terms, that all information within a consumer credit report must be 100 % accurate, verifiable, complete, and timely. I will not tolerate anything less than full adherence to these legal obligations99.9 % accuracy or verification is not acceptable. I expect immediate proof that the information you have reported is in full compliance with federal law. Anything short of absolute accuracy and legality will result in further escalation, without hesitation. Listed below are the specific tradelines that are erroneous and defamatory. I expect not just a review, but an immediate correction of these items. Your failure to do so is a reckless disregard of your legal responsibilities and will not be taken lightly. 

XXXX XXXX XXXX XXXX  XXXX This is a violation of 15 U.S. CODE 1666B. Was never late, delete this 30-day late remark from the payment history. 15 USC 1681b ( a ) ( 2 ) - Permissible Purposes ( a ) in general subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) in written instructions of the consumer to whom it relates. 

XXXX XXXX XXXX XXXX XXXXXXXX This is a violation of 15 U.S. CODE 1666B. Was never late, delete this 30-day late remark from the payment history. 15 USC 1681b ( a ) ( 2 ) - Permissible Purposes ( a ) in general subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) in written instructions of the consumer to whom it relates. 

XXXX XXXX XXXX XXXX XXXXXXXX This is a violation of 15 U.S. CODE 1666B. Was never late, delete this 30-day late remark from the payment history. 15 USC 1681b ( a ) ( 2 ) - Permissible Purposes ( a ) in general subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) in written instructions of the consumer to whom it relates.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act ; XXXX XXXX XXXX XXXXXXXX, Account # XXXX, XXXX XXXX Account # XXXX, as well as the reporting agencies have violated my rights. I am promised the accuracy of my credit report by Federal Law and I am making another attempt to have these errors corrected on my credit file under 15 US Code 1681.

The facts related to and the reporting of said accounts are inaccurate, false, and misleading. They are causing undue stress and violating my rights according to 15 USC 1681.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have notice that i have a medical bill on my credit report that has been affecting my credit score.I haven't gave anyone my consent to share medical information with third-party consumers.This is a violation of HIPAA and it should be removed from my XXXX, TransUnion, and XXXX  credit reports.Its been well over 30 days since I've received any results regarding my dispute with the 3 major credit bureaus ; XXXX, TransUnion, and XXXX.
Product: Credit card or prepaid card

On XX/XX/XXXX, I received an email from Consumer Financial Protection Bureau ( CFPB ) stating Bank of America ( BOA ) was still working on the issue, Complaint ID XXXX. One day later I received the attached letter from Bank of America ( BOA ) dated XX/XX/2021 stating that they consider my dispute resolved. 

Their letter doesnt address my complaint or resolve it. 

I logged on to review the companys response on the CFPB website today, XX/XX/XXXX. The website shows the status, as open and the company response is in progress as of XX/XX/2021. 

I am confused as to why BOA considers the complaint closed. 

A few days prior to XX/XX/XXXX, I received a phone call from XXXX XXXX assistant, who informed me that XXXX was working on my claim. She verified that I had in fact submitted a claim to CFPB and had sent documents. The assistant said if I had any questions I could contact Ms. XXXX at XXXX. I am not sure why I was contacted. Perhaps I was mistaken thinking that communication would take place between BOA and CFPB, not me directly.
Product: Checking or savings account

From XX/XX/2022 I had two different deposits supposed to be coming in. I had to complain because one of them was because somebody had taken my money they were supposed to they refunded it, but then they gave it back because my account closed they said they couldnt give it to me. They know that I disputed it so I dont know what the problem is but the money is owed to me and then my deposit they came in. Somebody had gotten a hold of. Ive complained about a complaint about it tried fixing it and it went to a different account then they fixed it so I dont know whats going on, but they did not let you that I was supposed to get back and so I am just trying to get to the bottom of this and get my money and its not protected because they keep allowing things to be taken from me
Product: Credit card or prepaid card

I have contacted XXXX XXXX  about a XXXX XXXX XXXX XXXX  Credit Card they allowed to be opened in my name fraudulently, and I have also contacted Citi Bank about a Home Depot card they allowed to be opened in my name fraudulently. I have mailed correspondence to both companies to let them know that these accounts were opened fraudulently, and I have provided both of them police reports that clearly stated these accounts and other accounts were opened in my name as a result of fraud, both companies have refused to refrain from reporting this fraudulent information from my credit report even though I have notified them multiple times and provided evidence that these accounts were fraudulent. 

I have also contacted XXXX  about these fraudulent accounts but XXXX has refused to do proper investigations, and XXXX was also provided a copy of the police report outlining the fraud. XXXX has chosen to continue to allow this fraudulent accounts to be included in my credit file. XXXX, XXXX XXXX, and Citi Bank continue to violate my FCRA rights and have therefor defamed my character by willfully and maliciously providing information they know and have been told and provided evidence these accounts were the result of identity theft/fraud. 

Police Report is Attached