23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

I visited the Bank of America at XXXX XXXX XXXX, XXXX XXXX, XXXX, MA XXXX on XX/XX/XXXX. My purposes were simple : 1 ) update my mailing address, 2 ) pay off my auto loan. 

I gave the customer service representative my driver 's license so that he could enter my address into the BOA system. After he finished entering my address, I paid off my auto loan ( {$6100.00} ) immediately. I was told that the title would arrive within 2 weeks. 

On XX/XX/XXXX, I checked my BOA online account and found out that my mailing address was wrong. I called the customer service and was told that my car title was already mailed on XX/XX/XXXX to the wrong mailing address. 

I went to the Bank of America at XXXX XXXX XXXX XXXX XXXX, XXXX, MA XXXX again, and asked for help. They refused to apologize, nor did they offer any help ; they just gave me the BoA customer service number! I still couldn't receive my car title even though I have already paid off my loan. 

It was their fault, and I can't believe this is how BOA serves its Premium Rewards Platinum client, who has been with the bank since XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Between XX/XX/XXXX and XX/XX/XXXX I was preapproved for several credit cards threw Credit Karma and I was denied. This has created a negative impact on my credit score.
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 protested consumer rights to privacy and confidentially under 15 U.S.C 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Date opened XX/XX/XXXX Collections {$3900.00} 15 U.S.C 1681 Section 602A states I have the right to privacy. 
! 6 U.S.C. 1681 Section 604A Section 2 It also states a Consumer Reporting Agency can not furnish a account without my written instructions. 
15 U.S.C. 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 reporting by more than 7 years. 
15 U.S.C 1681 s-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.
Product: Vehicle loan or lease

On XX/XX/XXXX I purchased a vehicle. Around XXXX of XXXX I had lost my job. As a result I was unable to make payments. I contacted the original loan form XXXX  and explained the situation. By that time I had been receiving letters stating they were going to reposess the vehicle. I had offered to make partial payments until I received a lump sum of money from my employer. They refused stating they needed the whole payment or they would take the car. I asked the lady if I could send them money anyway as they wouldn't get anything from me if I couldn't get to work ( I had gotten another job by then ). The lady then stated that they could not accept any payment unless it was the full amount. 
The vehicle was taken and I did receive a notice once it was sold, leaving me a balance. I called them again asking to make partial payments for which they then demanded I pay the full amount of approximately {$9000.00}. Obviously that didn't happen as I couldn't get caught up in the first place and they refused to work with me. After the initial notice, I never received any additional mail after that. Fast forward to XX/XX/XXXX or a few days after, I receive a call while at work stating they had received a garnishment request from a Gurstel. I Then began filing motions to quash, dismiss, ect. I have gone to XXXX  court appearances requesting the garnishment to be dropped based on the statute of limitations. The judge stated they had my signature on a piece of paper admitting I owed them money. The addresses they have on all of these documents are wrong and the dates they are claiming I've signed paperwork are not aligned with dates I have lived at. I requested a copy of that document and it has not appeared anywhere. On XX/XX/XXXX they filed a Praecipe against my bank account and put it in the negative for the total amount. I have agreed to make payments to them, however, I have not been able to keep up with them as I've told the judge many times that I only made {$14.00} an hour and barely getting by. They have now filed another levy against my bank account for the amount owed. I am not longer employed and will never be able to pay them. 
On XX/XX/XXXX they filed an affidavit stating that I resided and was employed at a commercial address, a XXXX XXXX XXXX to be exact. This harassment needs to stop. I feel Gurstel is abusing their so called Firm and presenting false information against people in order to manipulate and steal from other people. They do not file correct information about their so called cases and use sketchy practices to obtain such false information. They are way past the statute of limitations, they know it, but continue to pursue this matter. They need to be shut down. 
I am attaching several files regarding this, but there are over 30 documents. Please reach out if more proof is needed. The address to the gas station is on the paperwork and can easily be found on XXXX. Also, they have used several different counties to file this. I do not reside in either of the counties.
Product: Credit reporting or other personal consumer reports

This morning, I was alarmed to find unauthorized inquiries on my credit report with no explanation. I checked as I usually do, but this time, these discrepancies appeared out of nowhere. After refreshing my browser to see if it was just a glitch, the inquiries were still there. Given this issue, I urgently request a thorough review of the documents I submitted so I can feel assured this wont happen again.
Product: Mortgage

We have a letter from out mortgage company stating were approved for a forbearance till XX/XX/2020 due to covid 19 and now their threatening us with foreclosure
Product: Debt collection

XXXX. Point : Garnishing federal benefits should stop and be refunded. 
XXXX. Suggested outcome -- Pay me restitution of XXXX for benefit garnishment and administrative fee XXXX for use of address and SS number. 
XXXX. Statement of Facts : XXXX XXXX XXXX - Request and writ for garnishment date of issue XX/XX/2022, is not a copy of the original. 

XXXX XXXX XXXX - Request and writ for garnishment date was not ( wrong address ) received by me in XXXX. 

XXXX XXXX : XXXX Compensation is direct deposited into XXXX XXXX and a percentage as needed is transferred to XXXX XXXX  opened in XXXX. 

XXXX XXXX 's XXXX program provides both community service and work-based training. To participate, you must be : XXXX or older ; have an income not more than 125 % of the established federal poverty guidelines. Federal funds are direct deposited into XXXX XXXX XXXX XXXX XXXX 

XXXX XXXX XX/XX/202XXXX XXXX XXXX  - XXXX XXXX XXXX XXXX {$460.00} XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXXt {$460.00} XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$460.00} XX/XX/20XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$120.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - {$410.00} XXXX XX/XX/202XXXX XXXX XXXX XXXX XXXX XXXX  - {$15.00} XXXX XX/XX/20XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$13.00} xxxx Closed!!
Product: Credit reporting

Experian reports of an account, partial account number XXXX in the name of XXXX XXXX XXXX. I am not XXXX XXXX XXXX. I have a passport, birth certificate, social security card and driver 's license which confirms my name as XXXX/XXXX XXXX and has been for XXXX years. 
The account is with XXXX XXXX and claims I owe {$5.00}. This is identity theft and that identity theft has been reported previously to other credit reporting agencies.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am reaching out to inform you that upon receiving my credit report, I noticed several errors that require immediate attention. It appears that you have reported incorrect personal identifiers in my file, which poses a significant risk to my identity if not rectified promptly. I am disappointed that this has occurred, and I kindly request that you take the necessary steps to remove all inaccuracies from your records without any delay. Additionally, I ask that you eliminate any employers and phone numbers associated with my credit report. I do not authorize you to retain or report any information that consists of unverified claims about me, potentially outdated or inaccurate. I want to emphasize the importance of using only correct and up-to-date information about me. As per my understanding, you have a 30-day window to complete this update, and I urge you to ensure the accuracy of all information in my credit report within this timeframe. 

Listed below are the Personal Information that are being challenged Incorrect Name : - XXXX XXXX Listed below are the Personal Information that are being challenged Incorrect Current Address : 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
Product: Checking or savings account

I reached out to XXXX XXXX on XX/XX/XXXX asking if the company could email or mail me official correspondence stating that my checking and savings accounts are closed. I have been diagnosed with a federally protected XXXX and have lost my job because of it. Under Arkansas state law, I also can XXXX XXXX until a year after my last XXXX and my last XXXX was in XX/XX/XXXX. 
I was told by the representative that my checking account has been closed out since XX/XX/XXXX and that my savings account is restricted and not closed only because I have outstanding loans with them even though the account has nothing in it. I was told that it is against company policy to mail or email a letter stating the account closure and that I would have to come in to the nearest branch and provide identification to receive a letter. 
The nearest branch is XXXX hours away from me. As stated I can no XXXX XXXX under state law. 
I am in current litigation with my former employer based on my XXXX and I have almost lost everything. 
My supplemental nutrition benefits have been denied pending XXXX XXXX XXXX and XXXX account statements for XXXX XXXX present. 
I have a federally protected XXXX and I feel I have already been done a disservice as I am in debt to them because of fraud and it has been proven that I was scammed. The only thing that I need is evidence proving that the account is closed out so that I can get food to feed myself and my child. I am already on the verge of homelessness. 
This is the first bank that I have ever encountered that can confirm the identity of a former member but will not send any correspondence via mail or email stating that an account is closed out and it is adversely affecting my life. I was told that a request was submitted to send via XXXX mail the statements for the savings account but I really need this information now and I have no way of getting the information concerning the checking account that is closed.
Product: Credit reporting or other personal consumer reports

: This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card, auto loans, personal loans, insurance policies, on Equifax opened at XXXX  account number XXXX reported on XX/XX/XXXXXXXX XXXX XXXX XXXX  account number XXXX opened on XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX account number XXXX opened XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX account number XXXX opened XX/XX/XXXXXXXX XXXX XXXX XXXX account number XXXX opened XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account number XXXX opened XX/XX/XXXX XXXX XXXX XXXX XXXX account number XXXX opened XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX account number XXXX  opened XX/XX/XXXX XXXX XXXX account number XXXX opened XXXX XXXX account numberXXXX opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX  account number XXXX opened XX/XX/XXXXXXXX XXXX XXXX account number XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX  account number XXXX opened XX/XX/XXXX XXXX XXXX XXXX  account number XXXX opened XX/XX/XXXX, XXXX XXXX XXXX account number XXXX opened XX/XX/XXXXXXXX XXXX XXXX account number XXXX opened XX/XX/XXXX, XXXX XXXX XXXX XXXX account number XXXX opened XX/XX/XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit card or prepaid card

in XXXX XXXX 2022 I placed a call to the company in regards to my special 1 year free interest rate offer soon to be expiring. I wanted to pay my balance off of my credit card and close the credit card. I was told by the customer service rep that they would not charge me interest rate as long as I planned on closing the credit card. My XXXX girlfriend ( XXXX XXXX BOTH have a credit card with the company and we both were told that they would NOT charge the accounts. In XXXX or XX/XX/2022 I placed a phone call to the credit card company in regards to why the interest was charged to our accounts despite being told that they would NOT charge us. They charged us XXXX XXXX {$1300.00} i can not see the total amount as the website is down. I have called the company several times, made a few large payments, i want a call back from the manager ASAP.
Product: Mortgage

The lender has failed to respond to our QWR and Notice of error request sent on XX/XX/XXXX and are proceeding to sale set for XX/XX/XXXX - the lender is in violation of regulation X-12 USC 2605 ( e ) ( 1 )  and the clients right to counsel.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum, of everyday life, a sudden jolt shattered the tranquility. I had become a victim of identity theft. Like a thief in the night. Unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainly. With each fraudulent transaction and unauthorized accounts. The breach of trust cut deep. Leaving me grappling with the unsettling reality of a violation identity. Yet, in the midst of XXXX, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries these are the following accounts need to be removed.
Product: Debt collection

On XX/XX/2022 there was complaint filed in the Circuit Court of XXXX County, WI against me for alleged amounts owed. The Plaintiff 's firm acting as a third party debt collector did not send notice or right to dispute prior to commencing suite or after a phone call was made to them on XX/XX/2022 per FDCPA rules. This is not the first time that this firm has violated my consumer rights. I was never given a right to cure pursuant to Wisconsin Consumer Act.
Product: Checking or savings account

Hello I deposited my son 's XXXX check into my account at Chase Bank in XXXX and have yet to receive the funds. They first told me that my son needed to come into the branch to verify that he gave me permission to access the funds which we did In XXXX. After we went into the bank we were told that we would receive a Chase cashiers check within XXXX day 's but we did not, They then told us that they needed to do a phone verification with my son But we've tried XXXX different times with multiple different phone numbers and they claim that none of these numbers are coming back registered to him which is not the case. We've asked numerous times for A alternative method and we haven't been given XXXX as of yet.
Product: Debt collection

I want this inquiry to be deleted because I did not authorize these companies to run my credit
Product: Debt collection

I was unaware that this debt even existed. It's through Paramount recovery and I had insurance at the time. I've spoken to my insurance and they said they were never billed for this debt. So I called Paramount recovery and they stated that once it's in collections insurance won't cover the debt. I'm very upset because I had insurance to pay this and I was never contacted about it now they say I'm liable and it just isn't fair or right that I have too. It's counting against me.
Product: Credit reporting or other personal consumer reports

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached XXXX XXXX XXXX XXXX. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section XXXX of the Fair Credit Reporting Act.
Product: Debt collection

NAVY FEDERAL WOULD REPEATED CALL ME AND CALL ME MAM NUMEROUS TIMES. THEY WOULD FREEZE MY ACCOUNT. THEY ARE XXXX, XXXX, AND XXXX. I CAN NO LONGER CALL THEM TO RESOLVE PROBLEMS. THEY CALLEDTHE POLICE ON ME NUMEROUS TIMES. THEY FROZE MY ACCOUNTS WHILE I WAS IN XXXX AND XXXX.I HAD NO ACCESS TO FUNDS.
Product: Credit reporting or other personal consumer reports

Re : Personal Information Update Request & Investigation of Potential Identity Theft Dear Sir/Madam, I am writing to formally file a complaint regarding discrepancies and inaccuracies that appear across my credit reports from TransUnion, XXXX, XXXX, and XXXX. I have previously attempted to update my personal information and address discrepancies across my credit reports multiple times but have received no resolution. These inaccuracies may indicate potential identity theft, and I am requesting the immediate correction and deletion of erroneous information.

Personal Information Update Request : I respectfully demand the following corrections be made to my credit reports to ensure the accuracy and privacy of my personal data : Full Legal Name : Please ensure that my full legal name appears as XXXX XXXX only. 

Address Update : Please delete all outdated and irrelevant addresses from my credit reports. 
The only address I request to be included is : XXXX XXXX XXXX XXXX XXXX, GA XXXX I can not receive mail or any correspondence at these outdated addresses and have no access to them. Please ensure the removal of all other addresses listed. 
Phone Numbers : Please delete all phone numbers currently listed in my reports. 
Social Security Number & Date of Birth : For privacy and security reasons, please remove my Social Security Number and Date of Birth from being displayed on my credit report. 
Employer Information : Please delete all information listed under the " Employer '' section of my credit report.

Inconsistencies Across Credit Reports : Upon reviewing my credit reports, I have identified the following discrepancies across TransUnion, XXXX, and XXXX : Account Number Discrepancies : The same account number appears differently across the three bureaus. This inconsistency raises concerns about unauthorized individuals potentially altering or misusing my information. 
Payment Status Inconsistencies : Discrepancies in the payment status across the bureaus suggest errors or fraudulent activity, potentially indicating transactions that I did not authorize.

Address Variations : Different addresses are listed across the credit bureaus, which suggests that unauthorized individuals may be using my information to open accounts at various locations. This raises concerns about fraudulent accounts linked to my personal data.

Employer Information Inconsistencies : The employer information is inconsistent across the bureaus, which may indicate fraudulent attempts to link my identity to accounts I did not authorize.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXX/XX/XXXX