23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Over the course of a 3 - 5 year period ; Bank of America has periodically blocked access to stated account ; through means of locking out of therein account access ; such has included the instanteous changing of representative figuring to that of banking records ; to therein causate pretensing of interpersonal mental illness ; or to that therein of targeted fraud against stated account to therein detriment access to such stated card. Supporting of Art is actually listed on that of the Bank of America website ; through financing or otherwise opportunities ; that of which when trying to contact Bank of America ; stated bank pretensed entrapment towards the financing of a home or mortgage loan referrent to that of stated family members to pretense property theft ; or the co-opted enslavement of credit capital to that of inter-familial exploitation. Such was responsed to that of calling Bank of America to therein try to leverage self-creationed digital art or Photography as to that of collateral for obtaining a such stated loan; wherein I was then referred to a representative who ascertained continously recommending as to that of a home mortgage. Bank also therein merged stated Merill Lynch Associates to that of Bank of America ; to illustrate the financial organisations vested interest towards organ trafficking self ; or therein permissing identity theft relational to that of fraudulated financing obtainment or theft therein to created photographic works and art. Of regard was therein Bank of America ; positiioning the prioritisation of otherwise relationships to that of targeted consumer detriment referent to the U.S. political and financial establish regarded to that of " Big Money ''. Of response when trying to reset the Bank of America password for my stated account ; Bank of America denied several passwords ; only accepting a password that was self-deprocating or abusive towards self ; to therein causate or attemptively try to create suicidal ideation or mental stressors to that of myself ; wherein such thefting could be exerted of relative regard. Such would be responsed to stated Bank simply being regarded to that of namesake " Bank of America ''. Such is illustrative how financial infrastructure can be maligned or tortured to therein psychologically or financially assault or affront consumers ; espcially to those of low economic margin or standing for commerciallised imporverishment towards the induction of stress and mental disfiguration to then alienate from the ability to take advantages of services. When approaching Bank of America of regard to that of potentiality to that of a Business Plan ; Bank of America refused ; as therein it would have been able to be shown that such organisation was therein wantonly openly engaging in IP relationed harms, to providing or supporting familial emnity to the abuse therein of services. Bank of America email was sent to represent that someone else other then myself had visited the stated institution ; to give premises towards the bank tolerating such basis to that of identity thefting of regard to account and services.
Product: Credit reporting or other personal consumer reports

These inquiries i do not recall giving consent to report or do you recall using these sites
Product: Credit reporting, credit repair services, or other personal consumer reports

Beginning XX/XX/XXXX, I requested that a number of inquiries be deleted from my credit file by mail, as these inquires were not authorized. Equifax, XXXX, and XXXX   responded that I would need to dispute these inquiries with each individual creditor as they do not dispute inquiries. XX/XX/XXXX, I contacted each individual creditor requesting that they verify they did not have authorization to request my credit and that their individual request be removed from my credit file, till today, I have not received a response. On XX/XX/XXXX I contacted each bureau by phone stating that you are reporting inaccurate information and that this is against the FCRA. As a credit reporting agencies you are required by law to investigate and verify that what is being reported by your agencies, is accurate and true and that these inquiries were actually authorized by me, which they have not. Each representative that I have spoken with has pretty much passed the baton stating that I would be required to contact these creditors to prove otherwise, this is NOT correct. I have attached the letters to each bureau, and each individual creditor.
Product: Credit reporting

In XXXX of 2016 I Filed a complaint with ChexSystems about a report the said I owed with a bank. I got a letter about verifying my identity asking for a letter from social security administration. They do n't send letters so I called them in XXXX to tell them I also sent a copy of my social security card and I 'd. I did n't hear from them until XXXX which was a another report. They have yet to respond to my dispute that they have my social security number wrong on my report. My number is XXXX they continue to show my number as something ending in XXXX. I tried to call and all I get is being bounced around by a answer machine. I would like for them to take all the accounts on XXXX off my chexsystems report.
Product: Credit reporting or other personal consumer reports

I looked at my Experian credit report on XX/XX/year> and noticed one account that is not mine. 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 ).

The account that I found on my credit report that is not mine. I'm going to list it below. 

ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER:XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been receiving letters in the mail for a while now about me owing child support money. I'm not quite sure what any of that is about because my kids live with me and I have never been put on child support. I also got denied a credit card from XXXX XXXXXXXX due to a low credit score. I have pulled my credit and I saw two child support items and loans on my account that does not belong to me. I strongly believe my identity has been stolen. Please remove these items from my report. XXXX XXXX {$100.00} XXXX XXXX {$800.00} XXXX XXXX {$1300.00} XXXX XXXX XXXX XXXX {$2000.00} XXXX XXXX XXXX  XXXX {$1600.00} XXXX XXXX {$22000.00} XXXX XXXX XXXX  XXXX {$450.00} XXXX XXXX XXXXXXXX XXXX {$740.00} XXXX XXXX {$1100.00} XXXX XXXXXXXX XXXX XXXX {$0.00} XXXX   XXXX {$5800.00} XXXX XXXX XXXX XXXX {$890.00} XXXX XXXXXXXX {$1500.00} XXXX  XXXX {$3500.00} XXXX XXXX {$1000.00}
Product: Credit card or prepaid card

Late last year, Apple credit card pulled a hard inquiry on my credit and issued me an Apple credit card. I did not request this credit card, so I contacted XXXX about this matter. 
Apple credit card closed my account and stated to me that they noted my account was closed because they could not verify that I requested, authorized, or applied for this credit card. 
I believe this credit card was requested by an XXXX store agent, without my authorization, when I purchased a new iphone. I believe this because the agent signed me up for several other offers that I did not request. These matters have been resolved with XXXX. 
Regarding the hard inquiry, the XXXX representative told me to contact each credit reporting agency to request that the hard inquiry be removed from my credit report. XXXX will be reporting this account as closed due to unable to verify that I applied for the credit card. 
Thank you for assisting in the removal of the hard inquiry with each agency.
Product: Money transfers

I was contacted online by a person claiming to be private money lender for Real Estate deals. I sent from my banking establishment an application which he requested, {$1500.00} to his banking institution with a promise of financing a Real Estate deal. After further consideration, I opted to not go through with the loan and requested a refund of {$1500.00}. I was told the money would be refunded in 42 weeks, which is unacceptable unless all his customers are treated this way.
Product: Credit reporting or other personal consumer reports

I am writing to address a critical issue related to the reporting of a charged-off account and the failure to provide the required Form XXXX for the canceled debt. As of today, I, XXXX XXXX XXXX XXXX, am explicitly requesting the issuance of Form XXXX for the charged-off account ending in XXXX. 
I am formally requesting the issuance of Form XXXX to ensure accurate reporting of the canceled debt associated with my account, as per IRC Section 6050P. Despite previous requests and the company 's commitment to resolving the matter, the necessary documentation has not been provided
Product: Credit card or prepaid card

Bank Of America XXXX XXXX XXXX XXXX I have tried time after time to get refunded by Bank Of America XXXX XXXX XXXX XXXX. 
I file a complaint in XXXX with Bank of America XXXX XXXX card. 

XX/XX/XXXX Post date Amount {$11.00} XXXX XXXX Membership Transaction date XX/XX/XXXX I  have never applied or used no XXXX XXXX Membership or requested one. 

Bank Of America XXXX XXXX XXXX XXXX Dispute form was mailed out on XX/XX/XXXX and the Denied letter was mail out on XX/XX/XXXX I fax it back to them but was denied before I got the dispute form.

I got the denied letter before I even got the dispute form. They just simply ripping people off. 

I have attach the letters as proof I have call XXXX as stated on the letter left several messages but no reply. 
Number as stated on the letter XXXX Ext XXXX The letter is proof of dates not my wrong info I waited a whole month for the dispute forms it was one lie after another each week I call nothing in the mail and then I get back to back letters and denied before I even get the dispute form and XXXX never answer just get voice mail I have call for over a week and same thing have phone records for proof. He never returns call or nothing have call over and over
Product: Debt collection

Sequium Asset Solution LLC is in violation of account XXXX. XXXX is aware and has proof in attached label of the violations made by Sequium. Violations are US Code 1681s-2 ( 1 ) ( A ), 15 US Code 1692b ( 2 ), 15 US Code 1692c ( a ), 15 US Code 1692d ( 2 ) ( a ) and 15 US Code 1692c ( a ) ( 1 ). I am requesting account XXXX to be removed off my credit report with the three credit reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a few questions about inquires on a credit report. Is it true that in order to pull someones credit report, you need permissible purpose to do so? If that is the case, then why did the company below pull my credit report without my authorization? 

XXXX XXXX | XX/XX/2019
Product: Credit reporting or other personal consumer reports

I made a criminal complaint about fraud and a cover up happening at the fed and many banks and credit agencies and some other government entities. I received a notification from the cfpb saying transunion can not respond to my complaint because I named judge XXXX as corrupt, and so because they can't share my credit information with him they can't respond. Clearly this is idiotic, as why would you need to share my credit information with a judge to investigate corruption, but whatever. " We reviewed your complaint and sent it to the company for a response. The company let us know that it cant respond because this complaint lists someone who is not listed on the account or loan or authorized to receive the consumers financial information. 

Companies are required to protect their customers privacy. Companies can not share consumers financial informationincluding as part of the complaint processunless everyone listed in the complaint is also listed on the account or loan or authorized by the customer to receive financial information. Companies can require that their customers provide signed, written permission directly to the company before sharing financial information with a third party, such as a lawyer, guardian, or power of attorney. '' Anyway, I then received an unsolicited email from transunion. " Dear XXXX, We have received your password reset request, and your temporary password is : '' I did not request a password reset. Then I received another email from Transunion with a link to a " secure '' portal on the transunion website where they presumably have some sort of response. " This is a secure message. 
Click here by XXXX XXXX XXXX to read your message. 
After that, open the attachment. 

If you have any questions about this email, XXXX XXXX please call XXXX and outside recipients please call XXXX. 
More XXXX Disclaimer : This email and its content are confidential and intended solely for the use of the addressee. Please notify the sender if you have received this email in error or simply delete it. 
Secured by Proofpoint Encryption, Copyright 2009-2022 Proofpoint, Inc. All rights reserved. '' Look Transunion, I'm not clicking on any of your links. You are involved in a criminal conspiracy. There could very well be malware on any link you send me. I do not trust you at all. Why do you want to respond confidentially anyway when you just told me that you can't respond two hours prior? I don't want any sort of confidential communication with Transunion. They are dangerous. Respond here in public. This is ridiculous.
Product: Debt collection

Law 15 USC 1692 ( c ) ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ( 1 ) at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, a debt collector shall assume that the convenient time for communicating with a consumer is after 8 oclock antemeridian and before 9 oclock postmeridian, local time at the consumers location ; ( 2 ) if the debt collector knows the consumer is represented by an attorney with respect to such debt and has knowledge of, or can readily ascertain, such attorneys name and address, unless the attorney fails to respond within a reasonable period of time to a communication from the debt collector or unless the attorney consents to direct communication with the consumer; or ( 3 ) at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication.

( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector.

( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. 
If such notice from the consumer is made by mail, notification shall be complete upon receipt. 
( d ) Consumer defined For the purpose of this section, the term consumer includes the consumers spouse, parent ( if the consumer is a minor ), guardian, executor, or administrator. 
Company Name I C SYSTEM INC Account number XXXX Contact info Phone number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX, MN XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The address XXXX XXXX XXXX XXXX. XXXX, MD XXXX needs to be deleted immediately. It is associated with a business and is a commercial property. This should not be listed on my personal Credit Report. Please delete immediately. This address has been used for identity theft attacks against my credit profile to harm me. An Federal Identity Theft Police Report was submitted. Please see attached Articles of Organization for the former business that operated on this Farm property. As you can see from the attached document even XXXX XXXX has removed the address! 

This is idenity theft related and according to FCRA you have to respond within 5 days.
Product: Payday loan, title loan, or personal loan

I am a victim of identity theft. 
Due to Goldsman Sach USA last response to my complaint ; " Marcus by Goldman Sachs, a brand of Goldman Sachs Bank USA ( the Bank ), received the above referenced complaint via the Consumer Financial Protection Bureau ( CFPB ) Complaint Portal on XX/XX/XXXX. We appreciate the opportunity to address the issues raised by XXXX XXXX XXXX ( Mr. XXXX or the Customer ) and the CFPB. Mr. XXXX complaint alleges that a personal loan ( the Loan ) was opened with the Bank on XX/XX/XXXX without his authorization or knowledge. The Bank conducted an investigation into Mr. XXXX complaint and determined he remains liable for the Loan. According to our records and investigation, the Bank successfully verified the Customers personal and account information with our procedures during the Loans application and origination. Additionally, the nine ( 9 ) successful payments made towards the Loan came from the same external account that the Loan funds were disbursed to. The Bank has verified that this external account was owned by the Customer. Given the payments to the Loan, as well as the Banks confirmation of the information provided at the Loans application and the consistency of which this information ties to the information independently provided by the Customer, the Bank has determined that the Customer remains responsible for the Loan. A response to this complaint was sent directly to the Customer. Based on the above details, we kindly request this complaint be closed. '' I have received my XXXX XXXX account with XXXX Bank statements used to open the account for the loan was in deed FRADULANT. Under The Fair Credit Act. I request that Goldmans Sachs Bank USA send confirmed authentic copies of the information used to open the fraudulent account in my name. This includes, Emails, Bank Statements uses to apply for the loan, Payment history for the account and any other information regarding the fraudulent account. I have my XXXX XXXX Copy of banking history I would like to validate Goldmans Sachs USA information. Under The Fair Credit Act, and my rights that I am exercising under this act, you are required by law to send all information on the fraudulent account to support your claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent a debt validation letter to a company by the name of FirstPoint Coll Resources Inc Consumer Contact Center to the address listed on my XXXX credit report which was pulled XX/XX/2020. The letter was mailed certified on XX/XX/2020 by USPS. The tracking updated on XX/XX/2020 at XXXX XXXX Forward Expired XXXX, VA XXXX. " Your item was returned to the sender at XXXX XXXX on XX/XX/2020 in XXXX, VA XXXX because the forwarding order for this address is no longer valid. '' I have collection accounts showing on my XXXX that I never received letters about and I am unable to verify with the company because the address listed on my credit report is not accurate.
Product: Student loan

The initial loan amount borrowed by me on XX/XX/2007 was {$7800.00} to pay for school expenses while I was pursing by XXXX at University XXXX XXXX  XXXX County. The lender was Sallie Mae and this debt was transferred over automatically to Navient. ( without me doing anything ). I was told Navient would be serving my loan going forward. 

It's my understanding I signed up for fixed rate of anywhere from 6.75 % to 7 % originally with Sallie Mae. I was told I would get a .25 reduction interest rate if I signed up for autopay. This never happened and I called Navient but they said it was already applied. ( not true ). In fact, they decided to increase my interest rate to 9.25 % stating that I signed up for a variable rate. I am not too sure about this and complained to Navient. They said they looked at my agreement ( which I don't have a copy of anymore ) and it's a variable rate. I am pretty confident I never signed up for a variable rate.

Further, I have paid close to {$7900.00} over 7 years and my loan balance is still {$8300.00} roughly. That simply doesn't make sense. How can {$7900.00} worth of payments not make a single dent to the loan balance? Instead, my present balance is {$8300.00}. Things didn't make any sense so I refinanced with a new lender named XXXX. However, I think the damage has already been done by Navient. Can you please investigate to make sure I'm not a victim of predatory lending?
Product: Debt collection

Good afternoon, I will try to make this account as short as possible, while also including relevant information. 

XX/XX/XXXX/XX/XX/XXXX, I had to take a former acquaintance to small claims court for {$4000.00}. I won the case and was awarded a judgement. 

To my recollection, I contracted with a debt collection agency called XXXX XXXX XXXX in XXXX or so to collect this money. To my knowledge, this contract expired after 3 years. 

SIX years later ... I received a call from a company called HK Recovery Service. They informed me that they have received {$1900.00} from my acquaintance. They also told me they will withhold a 33 % fee. They also charged my acquaintance {$2000.00} in interest- which is 50 % interest. 

I believe HK Recovery is scamming people left and right. They tel me that I have a contract with them ... but they can not present a copy of that contract upon request.