23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I got a line of credit through XXXX XXXX on or about XXXX XXXX, XXXX. Purchased items in the amount of {$3400.00}. My account went into collection and sold to another creditor. After joining the XXXX in XX/XX/XXXX I attempted to resolve this matter but they wanted payment in full with interest. I did not have the money and they refused to work with me. I waited for letters of legal action but known ever came. XX/XX/XXXX, I received a call from a gentlemen named XXXX. Did not give me a last name. He told me he was with a company named Premium Asset Services and want to collect a debt I had acquired with XXXX XXXX. He told me I had to pay the total balance of {$6500.00}. I told him I could not pay that amount. We made an arrangement for {$500.00} down and {$100.00} payments until I can pay it off. I paid {$300.00} and asked for him to take the remaining {$200.00} in two weeks. I did not feel right about it because to give me information about my account and tried to talk me out of speaking to a lawyer. So I canceled my card and did not pay the {$200.00}. He continued to call and threaten me with legal action. I did not respond. A couple days later I received another call from a gentleman named XXXX XXXX. Would not give first name. He left me a voice mail stating that my file had been sent up to his department for further legal action. He said he had already contacted my civil affairs officer and his next call will be to my inspecting general and will be issuing me a judgment. I called him back and tried to make some kind of payment arrangement but he said they wanted the money in full. He told me to borrow money from family or who ever. Then he told me to get a hard money loans or credit cards. I was afraid of him contacting my command, so I attempted to get loans and was denied. After telling I could n't get a loan, he got rude and told me I need to figure it out or he is going through with legal action and sending it up my chain of command. He called me childish, said I was not a soldier and all I am doing is playing soldier. Called an adolescent. Said its like robbing a bank. I told him to calm down and to respect my service. He then asked me if my " mommy new I was a playing soldier ''. I just hung up the phone and proceeded to speak with my XXXX for guidance.
Product: Credit reporting or other personal consumer reports

An account is being reported from XXXX XXXX on my TRANSUNION credit report only and I have never used or authorize this company or have any business with this company. 

This account was open on XX/XX/year> as stated by the company.
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 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, and XXXX XXXX XXXX XXXX , have 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 an 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 items of information, other than records or 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 to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Identity theft. Harassing letters sent to my home. Violation of debt collection policy 's. Reporting fraudulent information to the credit reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite of the written appeals I sent, any kind of responses was taken for granted. Thus, their action have violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. 

Here is the list of accounts that is still reporting on my Credit Reports : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3100.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$820.00} XXXX Date Opened : XX/XX/XXXX Balance : {$700.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$470.00}
Product: Credit reporting or other personal consumer reports

In accordance with the FAIR CREDIT REPORTING ACT. The List of accounts below have violated my federally protected CONSUMER RIGHTS to privacy and confidentiality under 15 USC 1681. XXXX ( Account number unknown ), XXXX - XXXX 15 USC 1681 Section 602 A. States I have the right to privacy. 15 USC 1681 Section 604 A. Section 2, States a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1681c. ( a ) ( 5 ) States no consumer reporting agency may make any consumer report containing any of the following items of information, Any adverse item of information, Other than records of convictions of crimes which antedates the report by more than seven years. 15 USC 1681s-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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or list of inquiries 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 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. 1681s-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

I have an american express credit card. The limit is {$5200.00}. American Express allows me to go over my limit with out increasing the actual limit. I am aware of credit capacity and how this affects your credit score. I have asked American Express for a limit increase and I have not recieved any correspondence nor any adverse action notices. I have an American Express platinum card that is a charge card with no limit. My credit is good and I am forunate to have good income to support my debt load. I am sending this complaint because I believe this has impacted my credit score and capacity significantly.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The accounts below have violated my federally protected rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX Bank : account # XXXX 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: Checking or savings account

Hello $ XXXX+ATM Fees {$2.00} Plus {$25.00} Gas Was Stolen Out My Account I 've Been Scammed Also With A XXXX Check That Whoever Rried To Deposit In My Account {$400.00} XXXX XXXX XXXX XX/XX/XXXX At XXXX {$25.00} Gas At XXXX XX/XX/XXXX XXXX {$60.00} XXXX XXXX XX/XX/XXXXXXXX I 'm With Simple Bank BBVA Compass
Product: Debt collection

XXXX called me from a private number, I returned the phone call and received no answer. My employer then called me to inform me that XXXX called regarding case XXXX. I called the number back since I found out they contacted my employer and found out it was a collector on behalf of GE Money Bank calling to collect on a debt that is 8-9 years old. The number they called from was XXXX. I have never received any information from them and I could n't even XXXX their company to see what their premise was. I spoke with XXXX XXXX who advised me it was a debt, then said I could agree to go before a judge or they could file a judgment against me for the debt and garnish 25 % of my paycheck. That alarmed me since I was aware they contacted my employer. Since I was unable to find out more about the law firm, I advised that I did n't feel comfortable talking about the issue without contacting my lawyer. XXXX then got short with me and advised that any question I could ask my lawyer, I should just ask him. I, then, hung.up.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
Chapter XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit card or prepaid card

Here is the last email that I sent to Bank of America after visiting their office and I got no assistance. 

Hello XXXX and XXXX, XXXX, if you will recall, I was in your office on Friday regarding a BOFA credit card that I opened online ( XXXX XXXX XXXX XXXXXXXX ) in XXXX and it was CLOSED by BOFA because fraud was suspected in opening the account. After many phone calls to try to resolve it over the phone, I was told that I had to go to an actual branch in person with 2 forms of ID to get it RE-OPENED. Since there is no branch where I live for the summer in West Virginia, I had to travel 130 miles each way to your branch in XXXX XXXX Once I got there and produced my passport and driver license, I was under the impression that the credit card would be RE-OPENED ( unfrozen ) and I would be able to use it. That did not happen!!!!! 

First I want to remind you that I have been a customer with BOFA for over 38 years!! I can not even begin to tell you how frustrated and disappointed with the service I have been offered in regards to this matter. I am seriously considering closing all of my accounts with BOFA and going to a bank who really cares about their customers ( if there is such a bank! ). 

I opened the XXXX credit card for the immediate benefits is would offer me on my upcoming cruise. With any purchase over {$500.00}, I would be given a {$100.00} credit on my account. That was done. In addition to that, once I made at least {$1000.00} in purchases, I would be given XXXX points ( equal to {$200.00} ) to be used on my cruise. 

Due to BOFA not assisting me to reopen that card, even after it was proven that there was no fraud and I am who I said I was, I will not get the {$200.00}. So in addition to the cost of the gas that I had to use to get to your branch and back on Friday, ( about {$40.00} ) and spending the entire day in the car or at your office, BOFA has cost me money!! 

If a fraudulent charge is made to an existing credit card, you would close that card out and re-issue a new card to me and transfer the balance to the new account if there was one. Why could that not have happened on Friday??????? 

I called BOFA again this morning to try to get this resolved and my only option was to apply for a new card. How is that going to look on my credit report????? I opened a new card ( NCL ) in XXXX with BOFA and was given a {$13000.00} credit line, then ... ... just a few weeks later, it was CLOSED by BOFA. That can not look good. I have excellent credit and need someone from BOFA to notify the credit reporting agencies of what has transpired. 

What a pity that all anyone at BOFA has done for me so far is to apologize for my " inconvenience ''. It is much more than an inconvenience. It is poor customer care! Actions speak louder than words and I have seen no action. 

Do you have a solution to my problem?????? If so, I would like to hear from you, if not, I do not want to hear any more apologies. 

Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX had an error in their system. Section 6-11 specifically indicates during reinsertion they have to legally give a 5 day notification and this didnt happen. I informed customer service that I was a victim of their inquiry issues and they wouldnt take care of it. 

Please see the following inquires down below that Im requesting to be removed immediately. 

Syncb/JcPenny XXXX-XXXX  Fl XXXX Inquiry XX/XX/XXXX Syncb-XXXX, Fl XXXX Inquiry XX/XX/XXXX XXXX/XXXX XXXX, SD XXXX Inquiry XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, UT XXXX Inquiry XX/XX/XXXX XXXX  XXXX XXXX , CA XXXX Inquiry XX/XX/XXXX XXXX/XXXX XXXX XXXX-XXXX, OH XXXX Inquiry XX/XX/XXXX Syncb/XXXX-XXXX, Fl XXXX Inquiry XX/XX/XXXX XXXX XXXX-XXXX, MD XXXX Inquiry XX/XX/XXXX XXXX XXXX XXXX , DE XXXX-Inquiry XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made several disputes through written letters and also through their official page also telling them that I do not recognize this Hard inquiry and therefore it had to be removed from my credit report immediately since it should be fraudulent and I is it affecting my credit record.
Product: Mortgage

The company misleader information related to my Escrow account saying i am short when i have been diligently paying all my monthly installment as assigned in contract. They increased my monthly payment from the original {$2600.00} to {$3200.00}. An absurd increase of {$640.00} monthly. The amount of property tax they are allergy collecting is almost 3 times the average property tax on my area based on my own research. Since my mortgage got transferred to the actual lender, Freedom mortgage i have been having issues with that company. Every time i call them a different person provides a different explanation and reason for extra charges. I feel hopeless and anxious. I have a strong belief they have been charging excessive amounts to my escrow in order to turn it short and force a increase on my monthly payments.
Product: Credit reporting or other personal consumer reports

The consumer reporting agency has violated their FIDUCIARY DUTIES to follow through with my instructions and can not provide evidence that I consented to them reporting my non-public information, transaction history and that I gave up my federal rights to opt-out and to my personal privacy because there is none. Their violations for several years has severely affected my ability to live, work, educate and function financially as a federally protected consumer. The data breach is proof of claim that the willful sharing of my private nonpublic information with affiliates and non-affiliates has made it possible to exposure and theft of my private information caused financial loss. Which has continued to adversely compromise my right to pursue happiness. I have given my instructions to the third-party agency XXXX, TransUnion & XXXX to Remove transaction history and the following per the Federal Law. Instead of adhering to my federal right to opt-out I did not authorize the public display of my nonpublic information. ( 15 U.S. Code 1681b - Permissible purposes of consumer reports ), ( 16 CFR 313.7 - Form of opt out notice to consumers ; opt out methods. ), ( 16 CFR 313.1 - Purpose and scope. ), ( 15 U.S. Code 6801 - Protection of nonpublic personal information ), ( 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ), ( The Family Educational Rights and Privacy Act ( FERPA ) ( 20 U.S.C. 1232g ; 34 CFR Part 99 ), ( The Privacy Act of 1974 ( 5 U.S.C. 552a ) 552a. ), ( 16 CFR 433.2 - Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices. ), ( 16 CFR Part 313 - PART 313PRIVACY OF CONSUMER FINANCIAL INFORMATION ), ( 15 U.S. Code 6805 XXXX XXXX XXXX XXXX XXXX XXXX XXXX - False or misleading representations ) XXXXXXXX XXXX XXXXXXXX File Number XXXX CIK Number XXXX IRS XXXX XXXX
Product: Student loan

Unable to reach AidVantage customer support in response to letter received XX/XX/2023 for details of loan. Loan information and disbursement dates are incorrect, amounts do not match credit report. I am unable to log into Studentaid.gov, error occurs that account does not exist using my SSN and personal information from student loan. AidVantage sent a letter to start auto payments on school loans that are not accurate, to reflect school information, or have full payment history. AidVantage cutomer support line goes to a hold status for wait period up to 45 minutes or more. Company is threatening to debit my bank without my authority, unable to reach them to cancel/change and receive loan information.
Product: Debt collection

PLAZA SERVICES # XXXX XXXX XXXX XXXX XXXX , GA XXXX ( XXXX ) XXXX Placed for collection : XX/XX/2017 Responsibility : Individual Account Account Type : Open Account Loan Type : DEBT BUYER Balance : {$700.00} Date Updated : XX/XX/2017 Original Amount : {$700.00} Original Creditor : XXXX XXXX XXXX ( Financial ) Dear Consumer Financial Protection Bureau : I am disputing the collection account noted above. I have never received any communication from this company. I have reached out to the original creditor, XXXX XXXX XXXX asking them to provide documentation of this debt and have not even received a return phone call. 

Under the Fair Debt Collections Act, I should have been given an opportunity to reach out to the collection agency and dispute this debt before it was entered on my credit report. Since Plaza Services, nor XXXX XXXX XXXX, contacted me I did not have an opportunity to validate and dispute this debt. 

Please have this item deleted from my credit report. Once I was made aware of this entry on my credit report, I contacted the collection agency, Plaza Services, and they could not provide me any information over the phone. I asked the representative to send me documentation showing they are authorized to collect and to verify how I owe this debt and they refused. I am seeking your assistance to please verify the existence of this debt and any correspondence this company provided prior to this entry being entered on my credit report. 

It was recommended by the Indiana Secretary of State 's Office to reach out to you for help with this matter as it potentially violates my rights under the Fair Debt Collection Practices Act ( FDCPA ). 

Regards, XXXX XXXX XXXX  XXXX
Product: Credit reporting or other personal consumer reports

I was alerted of a decrease in my credit score with EQUFAX by XXXX after inquiring the reason for the decrease I noticed incorrect information my balance for XX/XX/XXXX is INCORRECT, this needs to be corrected IMMEDIATELY. I have attached statements from my account for XXXX, showing the correct information. 

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

XXXX XXXX XXXX XXXX is falsly reporting that we have an open account with an outstanding mortgage balance of {$580000.00}. XXXX sold our loan to a different creditor in XXXX XXXX XXXX The only amount in dispute is XXXX payment we allegedly owe XXXX of {$4500.00}. We maintain we do not owe this money and do not understand how they can legally report that we have an open account with them and an outstanding mortgage balance. Due to their fraudulent reporting of a second mortgage, our debt to income ratio has doubled so even though we only own XXXX real property with an outstanding balance of {$580000.00} to XXXX XXXX, our credit is reporting we owe double that amount due to XXXX reporting we owe them {$580000.00}. If the disputed amount is only {$4500.00}, they should report only that amount as an outstanding balance. This has had detrimental consequences as we are unable to apply for loans or move forward with any business opportunities. We have reported this information multiple times to the credit Bureaus and they insist that the information is verified and accurate. I have proof that it is inaccurate. I have provided that proof. Bottom line, if XXXX is saying we owe them only {$4500.00} for the month of XXXX, why are they repeatedly reporting to the credit bureaus that we owe them {$580000.00} and that we have missed XXXX and XXXX payments? They have themselves acknowledged in an email that if we pay the XXXX payment amount that they will close our mortgage account and remove it from the credit report but that is in essence holding us hostage as it appears as though we are currently in debt {$1.00} XXXX dollars when in reality we are only in debt {$600000.00}.
Product: Consumer Loan

My brother was contacted and was told that if I didnot come pay my debt or bring the truck in that criminal charges would be taken. My brother was used as a reference but I NEVER gave permission to anyone to discuss my personal debt with family members. This is embarrassing and is a direct violation of Code 804 ( 2 ) and Code 805 ( 3 ) ( c ) in [ 15 USC 1692b ]. The last time I was contacted was XX/XX/XXXX. I told them where the vehicle was located and that 's the last time I heard from anyone until my brother told me about this incident today.
Product: Credit reporting or other personal consumer reports

Recently I looked at my credit file and found info that can't be verified and info that is not accurate these items are not being reported 100 % correct. Under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting 100 % accurate.

The following accounts are a result of Identity theft and XXXX! Please take action and remove them from my credit report asap! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX Equifax XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX Experian XXXX XXXX Equifax XXXX XXXX XXXX TransUnion XXXX XXXX Experian XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX Experian XXXX XXXX Equifax XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX TransUnion XXXX XXXX Experian XXXX XXXX XXXX TransUnion XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX Experian XXXX XXXX Equifax XXXX XXXX TransUnion