23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 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.

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 report by more than seven 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: Credit card or prepaid card

Citicards is a Racist company that refused to call me back. They obviously dont care about XXXX people and I will complain on XXXX again. XXXX charged me for {$47.00} on XX/XX/XXXX, I asked them to refund me. So the vendor XXXX gave me a refund for XXXX on XX/XX/XXXX. Then XXXX went against the charge XXXX Voluntarily gave me and charged me in XXXX for {$47.00}. So my charges dont add up, I am back down XXXX. Please refund me!!! They are racist and their racist customer service promised to do investigation and they never did.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus. 
XXXX  XXXX XXXX XXXX XXXX {$520.00} XXXX XXXX XXXX {$530.00} XXXX XXXX XXXX {$470.00} XXXX HARD INQUIRIES XXXX XXXX XXXX ( 3X ) XXXX XXXX XXXX   COLLECTIONS XXXX XXXX XXXX {$530.00} XXXX XXXX XXXX {$520.00} XXXX  XXXX XXXX XXXX {$470.00} XXXX XXXX {$250.00} PUBLIC RECORDS BANKRUPTCY CHAPTER XXXX-DISMISSED EXPERIAN HARD INQUIRIES XXXX XXXX XXXX XXXX XXXX COLLECTIONS XXXX  XXXX XXXX XXXX {$470.00} XXXX XXXX {$250.00} XXXX XXXX XXXX {$520.00} XXXX XXXX XXXX {$530.00} PUBLIC RECORDS BANKRUPTCY CHAPTER XXXX DISMISSED
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX weeks ago I sent a dispute letter to Transunion and XXXX disputing multiple hard inquires on my report, Transunion and XXXX has failed to investigate these and sent me a letter back saying that they assume them to be accurate. I did not authorize any of the companies stated in my dispute letter to pull my credit information. Transunion and XXXX need to address these false inquires as mandated BY LAW.
Product: Credit card or prepaid card

City National Bank is a disaster when it comes to information security and being able to access information. I applied for a credit card. The Relationship Manager I was assigned was XXXX in the XXXX XXXX location. After application, I was completely unable to access any information regarding my application. The phone number she gave me was not functioning. When I went to the branch, a gentleman informed me that he was a different manager and I should wait for her. And their national call line doesn't know where my application is - so essentially I supplied the bank highly sensitive personal information and they did not keep track of it, while almost every employee at the bank refused to discuss the application with me because they told me I had to contact XXXX who has disappeared. This looks very much like a data theft scam. You give personal information to a shady organization, then nobody will speak with you about it and the person they claim will assist you gives you a phone number that doesn't work and disappears.
Product: Debt collection

XXXX XXXX XXXX listed an old ( un-owed and unsubstantiated ) debt in my report without any notice. The original claim was from 2008, and the orginal collector could never furnish any data to prove this. XXXX XXXX bought this debt and is listing in my credit report as new, has never contacted me, or provided evidence of what makes up this amount. This item should be removed from my credit report and this company should be fined. It now appears XXXX times on my credit report, even though it ( 1 ) should not be there in the first place, ( 2 ) the debtor sold it to a third party, and the third party is trying to claim this is new without contacting me or providing evidence.
Product: Credit reporting

I have never been married and have never used another last name on any documentation. A background check came in and I noticed there was a new last name added using my son 's last name. This possibly hurt my chances for employment because I had stated I had never used another name before which is truthful as far as I know.
Product: Debt collection

Since XXXX 2015 I have sent letters to IQ Data International to have an unknown account removed. I was never contacted by them initially, so I can not tell you what the debt is for. I discovered the account on my credit and requested that they send me proof they have the correct person and or advise me of whom the original creditor is and or what it is for ... ... .. 
However, they did finally respond to me a few days ago 6 months later alleging that the account is for past due rent. I have no idea how they got my information or when I was supposed to stay in the so called place. I was never once notified or contacted by the original creditor/apartment complex. IQ Data just placed the debt on my credit and left it up to me to discover it.
Product: Credit reporting or other personal consumer reports

Recently was made aware of a scam being perpetrated by LexisNexis Risk Solutions on consumers for the purpose of greed. On XX/XX/XXXX and XXXX, XXXX, emails were sent to XXXX XXXX CEO of LexisNexis Risk Solutions whereby no reply was ever received regarding the selling of my private personal information to insurance companies for the purpose of being able to increase auto insurance premiums on unsuspecting consumers.. I had contacted LexisNexis Risk Solutions due to these articles : XXXX XXXX XXXX? XXXX XXXX XXXX XXXXXXXX The reason for my email was due to a XXXX % increase in my annual auto insurance premium. For the record, I am a XXXX citizen with a XXXX, driving less than XXXX miles annually with no auto claims and no ticket citations in over 30 years and living on a fixed income. My annual auto premium went from {$1400.00} to {$2300.00} with no reasonable explanation. 

On XX/XX/XXXX, I completed a request for a copy of my sensitive report thru the LexisNexis Consumer Portal uploading a copy of my expired passport and a copy of a utility bill as requested for identification. I received an email dated XX/XX/XXXX, stating I would be contacted within XXXX to XXXX hours. I was never contacted and then called the LexisNexis Risk Solutions corporate office at XXXX in XXXX, Georgia and spoke to a person named XXXX at XXXX pm on XX/XX/XXXX who refused to assist me unless I gave her numerous pieces of personal sensitive information over the phone. I stated a copy of the email from LexisNexis with the case number could be emailed to her to verify but she nastily refused. I allege LexisNexis Risk Solutions is purposely ignoring my request for a copy of my Consumer Disclosure Report that I have been attempting to receive for over six ( XXXX ) weeks. 

This deplorable action on the part of LexisNexis Risk Solution has cost me to have health issues involving stress and bodily pain issues as to how my private information is now easily accessible to scam artists and thieves. For the record, I was compromised by XXXX XXXX in XXXX when I had never even contacted them in any way whatsoever yet they had my information. Kindly note, this practice of selling consumers information without their knowledge or permission is a violation of the The Fair Credit Reporting Act, The Florida Deceptive and Unfair Trade Practices Act and the Florida Common-Law Invasion of Privacy Act. LexisNexis Risk Solutions is breaking both Federal and State Laws, For the record, no phone calls are to be received from LexisNexis Risk Solutions, only emails will be accepted. I have placed a phone number that does not exist above for this reason.
Product: Credit reporting

An Amazon.com Store Card was successfully opened without my knowledge or consent. A XXXX Amazon.com Visa Signature Credit card was attempted to be opened in my name ; however, was declined due to " obligations too high relative to income. ''
Product: Bank account or service

I received notices from Bank of America that I opened a checking and savings account at the Bank. The following day, I received mail that the Bank closed the newly opened accounts immediately. I never applied to open these accounts at Bank of America. When I visited the branch location on XXXX XXXX XXXX, XXXX, MA today to discuss this issue, XXXX XXXX, Personal Banker of BoA, informed me that my SSN was used to open these accounts. I am a victim of identity theft.
Product: Credit reporting or other personal consumer reports

I understand FCRA 605B requires us to eliminate any incorrect accounts from my credit report. Can you verify the documents? Some of the listed accounts are inaccurate in terms of reporting, with incorrect amounts and dates.
Product: Money transfer, virtual currency, or money service

Following XXXX Xoom ads stating that they can transfer funds directly into recipient bank account Worldwide, I have decided to give it a try on XX/XX/2020. I booked online with Xoom a transfer of funds to my sister in laws bank account in XXXX, XXXX. Up to now, XX/XX/2020, the recipient didnt receive the fund. I have contacted XXXX Xoom many times regarding this matter, they keep asking to wait indefinitely.
Product: Mortgage

In XXXX of XXXX, I was granted a one year forbearance on my VA Mortgage. I was told that after the year was up, I would have ( 6 ) options for repayment. Those options were : Reinstatement, Refinance, Forbearance Plan, Repayment Plan, Modification, Payment Deferral or Partial Claim. 
When my forbearance ended in XXXX of XXXX, I contacted them to inquire about these options. I was told that in order to qualify for one of the above options, I had to complete an application. I completed the application over the phone and electronically signed the documents. I was then told I was denied because I didnt have enough money to pay my bills. They refused to allow me to refinance because they said I lacked sufficient income. 
My income is the same when they gave me the mortgage initially. My VA XXXX is {$1800.00}. The mortgage including property taxes, school taxes and home owners insurance is {$500.00}. My utilities are {$130.00}. My cell phone is {$60.00}. My XXXX XXXX XXXX is {$30.00} and my one credit card is {$100.00} per month. 
I believe fraud or discrimination is taking place. I tried to make a payment for XX/XX/XXXX online and they blocked me so I mailed in my payment and they returned it and reported to the credit bureaus that I was 180 days late on my mortgage when I was in an approved forbearance for one year.
Product: Credit reporting or other personal consumer reports

XXXX credit card XX/XX/2023 late payment on an open account
Product: Debt collection

SchoolsFirst FCU has violated XXXX XXXX XXXX by continuing collections after a cease and desist and XXXX XXXX XXXX by failing to report accurate information to credit reporting bureaus.
Product: Debt collection

On XX/XX/XXXX, I received a Writ of Execution and a Notice of Execution after Judgement from the Office of the XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, NV XXXX, for Allied Collection Services , Inc., with XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX, NV XXXX as Attorney for Plaintiff. It was for a medical bill that I had with XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, NV XXXX, Account # XXXX, for {$790.00} in XX/XX/XXXX. I have never received anything else from them the insurance said they had to send some documents in before they paid and that is the last I have heard from them. Now this Allied Collection Services had added that the bill was {$1300.00} and they have added ; Principal {$1300.00} Pre-Judgement Interest {$440.00} Attorney 's Fee {$1100.00} Costs {$290.00} JUDGEMENT TOTAL {$3100.00} Accrued Interest {$7.00} Accrued Costs {$35.00} Fee of Writ {$25.00} ACCRUED INTEREST COSTS & FEES {$68.00} Garnishment Fee {$5.00} Postage/Other {$7.00} Levy Fee {$30.00} Commission {$65.00} TOTAL LEVY {$3300.00} I called Allied Collection Services XX/XX/XXXX, and told them I had not received anything regarding this medical bill since XX/XX/XXXX and I had not received anything from them saying they had taken over the debt or anything about aa court date or that they were garnishing my wages. She said they sent a letter in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I have lived at this address since XX/XX/XXXX. I have not received anything from this Allied Collection Services until I received the Writ of Execution saying they were garnishing my wages. My name is : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX or XXXX XXXX
Product: Credit card

I made a purchase at XXXX on XX/XX/XXXX & was supposed to receive 5 % cash back for the {$810.00} purchase. The cash back period ended on XX/XX/XXXX. However the payment did not post until XX/XX/XXXX so they refused to give the 5 % cash back as advertised.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 Equifax removed XXXX XXXX XXXX XXXX ( " a good standing account '' ) from my consumer file in which it was not part of my dispute.
Product: Debt collection

There is no response or proof of the Wage Garnishment from the company in the response and the complaint was closed incorrectly. This is getting ridiculous that this copany can lie and say they filed a wage garnishment for a debt that is beyond the statute of limitations and take money illegally and you are not helping. 

XXXX
Product: Student loan

MOHELA took over my loans ( after that last shady XXXX  XXXX or whatever ended their contract- i did not get to pick MOHELA ) and despite me getting approved for standard repayment for an amount of XXXX ( that i am not struggling to afford. am not. NOT being the operative word. i CAN afford my payments ) and they six weeks later still have me paying graduated payment amount since XXXX. I asked them to distribute my payments at the suggestion of your organization using the same template to ask them to distribute extra payment to principal of highest interest, etc. Then i had a payent taken out with auto debit at XXXX ( again, i want it to be XXXX ) so eventually i call on XX/XX/XXXX or XX/XX/XXXX, spend an hour on the phone with MOHELA explaining that i want to give them more money, dept of ed said yes you can give us more money totaling XXXX/month. MOHELA said they need to " process this '' meanwhile interest is accruing becaue i cant pay down my prinicpal because i cant get the standard amount, and if i pay extra by just increasing the payment it's still just paying me ahead ( i'm ahead to XXXX XXXX XXXX despite my request to apply payments a certain way on XX/XX/XXXX. now today, XX/XX/XXXX, i get an email that my IDR plan request was submitted. BY WHOM?! not me!! i am not struggling, i will not be able to take advangage of PSLF, WHY WOULD THEY DO THAT. also, they put me into administrative forebearance for the next three weeks. why????? " Processing '' WHAT IS PROCESSING THE THING I NEVER ASKED FOR? now becasue of this an auto payment wont be pulled, interest will compound, and now they make more money off of me. because " processing '', XXXX and they know it. i literally have the money and they dont want it because they'll make less over the length of my loan. i will put myself through the poor house for the nexet two years to make sure they never get an extra XXXX  out of me. i want them to lose money on me since i call them so much they need to hire another custolmer service agent. two can play at wasting my money!
Product: Credit reporting

My credit score is being artificially lowered by these companies ' policies of having multiple credit report or score requests adversely affect one 's credit score. How? 

( 1 ) Searching for a home and shopping for the best mortgage/financing has generated multiple reports which they claim indicate some sort of " problem. '' We placed offers on XXXX homes - both failed their home inspections, so we did not purchase either XXXX - which generated more reports and lowered our score even further. 

( 2 ) Our report said we had a " too high balance-to-limit ratio '' on our bank card. It averaged {$2500.00} on a {$5000.00} limit. So we raised the limit to {$7500.00} which generated yet another report. 

( 3 ) We are actually pre-approved by a lender, but because it 's been hard to find a home within our price range, enough time passes that they will pull another credit report if we make another offer on another home. And then our score will sink once again. 

( 4 ) We have pristine credit, yet our score has dropped XXXX points in the past six months, all due to this bizarre policy. 

( 5 ) I went online to dispute this but they say, in writing, their " policy '' does not allow this to be disputed. So according to them, there is, therefore, no means to resolve this. 

( 6 ) We are now afraid to look for a house or financing for fear of lowering our credit score even further. This is insane.
Product: Checking or savings account

On XX/XX/XXXX I was contacted by the State of California indicating an account I had with Bank of America was not being used, and by law, Bank of America would need to return the money to the State for me to claim if I did not contact Bank of America. On XX/XX/XXXX, I contacted Bank of America and requested they send a check out for the account and close it. 

Bank of America agreed to send out a check for XXXX, the account balance. The check was not received. I followed up in XX/XX/XXXX and Bank of America said they would investigate and it would take 15 business days. 

I have not heard from Bank of America since that time. 

I am requesting a check for {$1300.00} from Bank of America.
Product: Credit card

In XXXX XXXX XXXX I called customer service and ultimately decided to close my account for Children 's Place Reward credit card. The representative tried to convince me otherwise but the fees were outweighing the purpose of the card. I had initially signed up for Assurance program, which I soon discovered was just casing more fees and not actually for my benefit. Those fees as well additional fees that came with the credit card had become higher than my actual purchases.

I discovered that Comenity bank has reported to the credit bureaus that I owe over {$700.00} when my last balance was lest than {$140.00}. They claim I never closed out my account.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX # XXXX - DATE OPENED XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is for the following debt collection companies. XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX MILAND CREDIT MANAGEM XXXX XXXX XXXX XXXX XXXX XXXXXXXX I want to see a copy of the original purchase agreement that show that you legally own this debt by this original creditor. I am also requesting copies of all statements from open to close this account. I want to see proof that you are legal debt collector in my sate. I want see a copy of your bond that shows your legally registered in my state.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 Under USC 1666b USC 1637 ( b ) 15 USC 1681s-2 15 USC 16811i 12 CFR 1006.34c 12 cfr 1006.6c 15 usc 1671e ( b ) 15 usc 1681s-2 ( A ) UCC 9 Part 6, and FCRA these accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XXXX, Equifax, XXXX XXXX These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX, Equifax, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my Equifax, XXXX, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.

Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through XXXX, Equifax, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$2500.00} XXXXXXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$6500.00} XXXX XXXX XXXX  Date Opened XX/XX/XXXX Balance {$530.00} XXXX XXXX  XXXX Opened XX/XX/XXXX Balance {$240.00} XXXX XXXX Date Opened XX/XX/XXXX Balance {$3500.00} XXXX XXXX  XXXX XXXX XX/XX/XXXX Balance {$17000.00} **Inquiries** 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This individual has called me almost every single day in regards to credit card debt that I have been unable to pay due to unemployment. He leaves numerous messages. He has called my parents, my brother, and most likely other individuals that share my last name. I called him today and he threatened me by saying that if I did not pay a certain amount that legal action would be taken. He hassled me to ask family members for money. I told him NOT to call my parents as I have not lived with them for XXXX years and they would not be paying this debt on my behalf.