23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

BANK OF AMERICA : On XX/XX/XXXX of XXXX, somebody made XXXX charges on my credit card, each for {$350.00}. The charges were for concert tickets in XXXX. I was not in XXXX. I have not been to XXXX  since then. The only time I had ever been to XXXX  in my life was XXXX  months before this incident. 

I filed a fraud claim that same day, and they replaced my credit card, but did not credit me for these charges. I waited, and they still never credited me. This should be an automated system that doesn't require my involvement. I kept waiting, and for XXXX  months dreaded having to deal with the problem, so I didn't call again. Finally this week I decided to fix the issue, despite how annoying and depressing it was going to be to deal with. 

After XXXX hours on the phone, I was told the problem would be resolved within XXXX  days. This didn't happen. They finally issued the credit at XXXX XXXX  only to close the claim RULING AGAINST ME at XXXX XXXX, taking the credit back from me. After letting my OBVIOUS fraud claim lie untouched for XXXX  months, they decided to rule against me in the middle of the night without asking me for any documentation or anything. I made purchases in my home state ( NOT XXXX  ) repeatedly around the dates of this supposed transaction, and never went to XXXX, or moved my residence, or anything like that in the last XXXX  months.
Product: Credit card or prepaid card

This account was open in my name last year by my ex wife and she have sinced then paid off account when the company call me somehow with a debt..I did not authorize this account to be open and now that the obligations were met i want the account removed from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the collection agency XXXX XXXX directly, as well as, Equifax, since XX/XX/2019 disputing the error that is being reported in the amount of {$3600.00} and another account for {$4100.00}. This is heavily affecting my quality of life. Neither the collection agency or the credit bureaus has provided me with a contract or other legal proof supporting their claim. Both of them just send form letters that avoid the request to show proof. I need their ridiculous paper shuffle to stop. By law, I do know that they must provide the information as I requested or stop collection effects and delete the errors.
Product: Credit reporting or other personal consumer reports

There are a lot of UNAUTHORIZED and FRAUDULENT inquiries on my credit report ( XXXX XX/XX/2023, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2023, XXXX XX/XX/2023, XXXX XXXX XX/XX/2023, XXXX XX/XX/2023 ). I am not the one who initiated these inquiries. I am submitting a complaint regarding this inquiries and for assistance to REMOVE them from my credit report immediately. 

These inquiries got tripled compared to my last credit report. Please don't close this complaint and mark is as a duplicated complaint because I need them to be removed badly.
Product: Debt collection

I was initially contacted by Portfolio Recovery over XXXX debts from XXXX XXXX in which I do not owe. These credit cards were part of a massive identity theft against myself. I contacted Portfolio Recovery about disputing the validity of these debts and they stopped collecting on one of the debts but the other 2 they sent me credit card statements showing addresses from California and Puerto Rico in which I have never lived or never had an address in those states. The accounts are in the amount of {$2800.00} and {$1100.00}. I sent them a cease and desist letter then and explained I never lived in those states. They are continuing to harass me via mail and they have posted the accounts to my credit report which is hurting my credit. I have hired XXXX XXXX XXXX who also sent them a cease and desist and they are violating their letters as well.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX : XX/XX/XXXX Experian Information Solutions Inc . 
XXXX XXXX XXXX XXXX, TX XXXX XXXX  : XXXX Re : Security Freeze Request Dear Sir/Madam, I, XXXX XXXX XXXX XXXX XXXX Social Security Number XXXX, a resident of XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX, submit this affidavit to request a security freeze on my credit report. Pursuant to my rights under applicable federal and state laws, including but not limited to the Fair Credit Reporting Act and any other relevant regulations, I hereby formally request that a Security Freeze be placed on my credit file immediately. 
Affidavit : XXXX. Applicant Identification : Full Name : XXXX XXXX XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX Current Address : XXXX XXXX XXXX, Apt XXXX XXXX XXXX TX XXXX XXXX. Security Freeze Request : o I request that a security freeze be placed on my credit report to prevent unauthorized third-party access, except for those legally authorized or with my explicit consent. 
o This freeze should remain in place until I personally request its removal in writing, in compliance with applicable legal requirements. 
XXXX. Attached Documentation : I have attached the following documents to verify my identity and process my request : o A copy of my drivers license or government-issued ID. 
o A copy of a recent utility bill or bank statement confirming my current address.

o A copy of my Social Security Number.

9. Affirmation : I declare under penalty of perjury that the information provided in this affidavit is true and correct to the best of my knowledge. This request is made in good faith to protect my credit information. 
XXXX. Confirmation Request : I hereby request written confirmation of the receipt and implementation of this security freeze request. I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

I have sent letter to Scott & Associates PC requesting proof of my permissible purpose to have access to my credit reports & I requested the disclosures that would allow me to exercise my right to opt out from them or their client XXXX XXXX to sending any of my personal information to any 3rd parties including consumer reporting agencies. And at this point I haven't been gotten what i have requested and what legally entitled too. 

Per FCRA 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information b Opt out 1 In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless A such financial institution clearly and conspicuously discloses to the consumer in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party B the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party and C the consumer is given an explanation of how the consumer can exercise that nondisclosure Option
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting ActThe list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 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 and XXXX XXXX  XXXX XXXX # XXXX  has violated my rights.15 U.S.C 1681 section 602 A .States I have the right to privacy.15 U.S.C 1681 section 604 A section 2 ; it also states a consumer reporting agency can not furnish a account without my written instructions15 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 report by more than seven years.15 U.S.C . 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to request the method of verification for dispute initiated on XX/XX/2022 followed up with written disputes on XX/XX/2022 regarding the disputed items below. It has been more than 30 days and I have not received any proof that your company validated the debt. Youre also reporting incorrect addresses on report 1. Validate Account XXXX XXXX XXXX. Account # XXXX XXXX. Please delete account or provide validation information For each of the disputed items above, I am requesting that you provide the following information : XXXX. The name of the original creditor XXXX. The creditor 's address and telephone number XXXX. The persons name they verified the dispute with XXXX. The documentation used to verify the dispute
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting Act, XXXX XXXX, Account # : XXXX, XXXX, Account # : XXXX, XXXX XXXX XXXX Account # : XXXX, XXXX  XXXX, Account # : XXXX, XXXX, Account # : XXXX, XXXX XXXX, Account # : XXXXXXXX XXXX, Account # : XXXX, XXXX XXXX XXXX XXXX XXXX Account # : XXXXXXXX XXXX Account # : XXXX, XXXX, Account # : XXXX XXXX & XXXX XXXX XXXX, Account # : XXXX XXXX has violated my rights.

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

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

Today XX/XX/19 I received another denial letter from XXXX credit card ... uploading letter ) I called an explained that the information on my XXXX credit report is incorrect. I was told to contact XXXX directly and if corrected they can revisit my application. I tried to call XXXX XXXX it is impossible to speak to a human. Ive disputed these 2 negative items several times in writing. It is obvious they did not correct the problem. My equifax and XXXX report had investigated and removed these 2 items that are reporting negative. I am submitting this complaint because they are not addressing this issue. The only thing I received from XXXX was a letter they will not re-dispute these 2 items on my report. That is completely wrong ... .this information is incorrect and it is causing me a problem in obtaining substantial credit
Product: Prepaid card

I am unable to use this card. I have also tried adding it my XXXX wallet in hopes that I could use tap to pay, but that is also being declined verification, even though the {$0.00} verification charge is still being removed from the account balance.
Product: Student loan

XXXX XXXX I was no longer a XXXX XXXX XXXX and I was having trouble paying my student loans. A few months later I applied for forbearance as well as an income driven repayment plan. On XXXX XXXX, 2016 I received a letter from Fed loans explaining that my application for administrative forbearance was approved. The approval was backdated to include the dates of XXXX The approval dates means that retroactive forbearance should apply to the late payments for the months of XXXX, XXXX and XXXX XXXX Based on this new information all XXXX credit reports should be updated to reflect the change. The late payments were accurate at the time, however based on this new information it should be updated. 
Based on 15 U.S. Code 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies. 
All XXXX credit reports should be updated to reflect the new information.
Product: Mortgage

My property taxes are escrowed. Taxes through LoanCare , LLC were supposed to be paid to our city by XX/XX/2022. Supposedly they sent our payment on XX/XX/2022, however the city of XXXX XXXX didnt receive it until XX/XX/2022. We received a delinquent notice and contacted XXXX LoanCare , LLC, and was told they would be sending payment within 5 business days. As of today, XX/XX/2022, which is five business days, the payment still has not been sent. Contacted XXXX LoanCare , LLC again and was told that now they wont be sending it u til XX/XX/2022. This will not only cause additional late fees, but will be a never ending thing as they will pay the wrong amount and I will have more fees and have to continue to call and here they will pay it next month, etc. this puts my house in jeopardy of being taken by the city. When I asked why it wasnt sent in the 5 business days they had no answer and blamed the postal service. I told them they are violating federal statutes with regards to timely escrow payments, and was given the run around. This is not ok. I pay my payment ahead of time, and for them to have my escrowed money and not pay the taxes on time ( 33 days in the mail supposedly ) is not acceptable and as I review complaints on the XXXX  we are not the only one with this issue. This company should not be allowed to get away with this. They also do not send my monthly statements on time as they are required. I receive them four days before the due date but their excuse is I can go online to their website and look at it. I did not sign up for electronic statements as I like paper hard copies. This company needs to be looked into and told they can not violate laws. This is my first mortgage and is the worst experience ever. I have had nothing but issues and need help.
Product: Debt collection

XX/XX/2022 XXXX XXXX XXXX XXXX reference number XXXX I don't owe this company any money my 2 year contract was done with them and then I switched to prepaid service I never signed or agreed to anything with them after the 2 years was done I've called them many times and even went into the store when I did my prepaid plan I will not pay I dime on this nor next time I get anything from the company I will be suing for harassment goodbye
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I contacted XXXX XXXX to try to receive help lowering my credit card interest rate. Upon speaking with the customer service rep, XXXX XXXX, I felt a little uneasy due to the personal questions he was asking me such as SSN, address etc. I was just calling to get a feel of the company and their workings to see how they eliminate debt. I was not ready to move forward with a debt consolidation plan or to have the company pull a credit report, however I felt some what pressured by the rep. Instead of giving him my personal information which he was asking for he said that he had a copy of credit report readily available and he read off my personal information to me to confirm. This was surprising because I did NOT give XXXX consent to pull my credit. After our call I received notifications from the credit bureaus regarding the hard inquiry. I was highly upset and feel that the inquiry should be removed as I never gave permission to pull the report.
Product: Student loan

I have contacted Navient on three different occasions this year ( not including my initial application ) regarding my current IBR loan payment that is causing serious financial burden. I have uploaded my income information and submitted the form requested each time only to again be told they still need my form or my income information again. 

XX/XX/2018 has been a very difficult year financially as I had major XXXX for XXXX and have been struggling to pay the medical bills that came with XXXX and at the same time pay other medical bills due to other XXXX XXXX issues. I supplied Navient with proof of loss of income for the almost 2 months and they ignored it and forced me into a forbearance rather than a financial deferment that I actually requested. To add insult the injury my loan jumped {$11000.00} plus in just one month prior to my IBR being renewed. 

The calculations that they claim are correct are not consistent with their own website when I use their online calculator to figure out what the loan would be I got different totals. The loan since this summer has been growing exponentially. Currently, there is a $ XXXX  monthly payment due that I can not pay due to the aforementioned, and I have again called and submitted additional income information, but I'm concerned that their games will negatively effect my credit in the interim. My monthly payment has never been this high in the over 10 plus years I've had the loan and with my income so low it doesn't make any sense that it should be this high.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 8 accounts that are not mine they are on my credit report I have disputed them I have reached out to the bureaus and nothing is being done I am tired of this and going back and forth I need help. 

Account Name : XXXX Account Number : XXXX Reason : Unverified account Account Name : XXXX XX/XX/XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XX/XX/XXXXXXXX XXXX Account Number : XXXX Reason : Unverified account Account Name : XX/XX/XXXX Account Number : XXXX Reason : Unverified account Account Name : XXXX Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXXXX/XX/XXXX Account Number : XXXX Reason : Unverified account Account Name : XX/XX/XXXXAccount Number : XXXX Reason : Unverified account Account Name : XXXX Account Number : XXXX Reason : Unverified account Account Name : XX/XX/XXXXAccount Number : XXXX Reason : Unverified account Inquiries Creditor Name : US SM BUS ADMIN XXXX Inquiry Date XXXX XX/XX/ Reason : I don't recognize this inquiry Creditor Name : XX/XX/XXXX Inquiry Date : XX/XX/ Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry date : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

There is information on my consumer report that is a result of Fraud and Identity Theft [ as defined according to 15 USC 1681a ( q ) ( 3 ) and 18 U.S.Code 1028 ]. I recently received a copy of my consumer report which contained numerous inaccuracies, fraudulent identifiers, and incorrect variations of my name and address. Under 15 U.S.C.1681 accuracy is required.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been found out that you are not REMOVING files when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a legalized response. In the event that you decide to not DELETE the accompanying things recorded beneath which are responding improperly because of fraud, I will hand my archives over to my lawyer to begin a lawful process. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX Balance : {$560.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$1000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$200.00} ; XXXX Inquiry Date XX/XX/2021 ; XXXX Inquiry Date XX/XX/2021 ; XXXX Inquiry Date XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

I contested 2 collections on my credit report with Transunion and there is no status. 
The amounts owed are medical and hospital bills that are covered by Medi-Cal. 
I have been working with XXXX, a legal aid society of XXXX XXXX, CA, on contacting the creditors. Since the creditors are not cooperative and are not submitting the bills to Medi-Cal,  and they are not willing to communicate with the XXXX rep, XXXX has assigned the matter to a legal case and turning it over to their legal team. If needed, I have a copy of the legal packet. The bills go back to XX/XX/XXXX and XX/XX/XXXX and are from the City of XXXX and XXXX XXXX XXXX. The amounts are around {$4500.00} and {$1900.00}. 
I have myself contacted the creditors several times and submitted
my Medi-Cal information to them numerous times with no results. The XXXX has requested the creditors to submit a {$0.00} invoice to me and to the credit bureau but they are not cooperative Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is erroneously reporting a Bankruptcy on my credit report. I have requested that remove it, but it still on my credit report. 

Enclosed are documents that the XXXX Bankruptcy Court and the reporting agency that will verify my assertion.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to to properly investigate my disputes regarding inaccuracies in my credit report.. despite my submissions XXXX response within 24 hours stating the account is accurate without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes.. Furthermore XXXX  actions may also contravene Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceedings ( XXXX XXXX. XXXX XXXX ) against them for similar violations.. I requested the CFPB to ensure XXXX complies with federal law and provide consumer with necessary proof of investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. 

Here are the accounts that needed correction : XXXX XXXXXXXX Balance Owed : {$110.00} XXXX XXXX XXXX XXXX  Balance Owed : {$390.00} This is my follow-up complaint in line with my prior complaint dated XXXX XXXX