23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, Name : US Dept Of Education, has violated my rights. 15 U.S.C 1681 section 602 A. States that 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 instruction.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint to the EXPERIAN was the result of their non-compliance with my request and their refusal of getting the items, listed below, to be removed from my credit reports. 

They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized.
Product: Credit reporting or other personal consumer reports

I have accounts on my credit report which I would like removed because they do not accurately portray my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Checking or savings account

On XX/XX/2022, I issued a XXXXXXXX XXXX  check in the amount of {$470.00} to a contractor for repairs to my deceased mother 's property which were required in order for the buyer to obtain his mortgage financing. The buyer likewise issued a similar check since we had agreed to share in this expense. 
The realtor took both checks and mailed them to the contractor at the outside mailbox at the XXXX XXXX, XXXX, post office. 
Both checks were stolen, altered, and cashed by a thief at the Bank of America on XX/XX/2022. 
When I became aware of the theft, I took the following actions : 1. Filed a fraud report with XXXX Bank, my bank. ( Claim No. XXXX ) 2. Filed a report with the XXXX XXXX, XXXX Police Department ( Report # XXXX ). 
3. Filed a report of the theft with the XXXX XXXX XXXX XXXX XXXX XXXX United States Postal Service ( Case # XXXX ). 
4. Sent a letter to the Bank of America requesting their assistance with the identification of the thief since the check was endorsed and marked " for deposit only '' and an account number is included on the back of the check. Neither the local bank nor the home office in XXXX, XXXX, would offer any assistance. ( XXXX XXXX. XXXX ) XXXX. Subsequently, I received a letter from the Bank of America in XXXX, XXXX, requesting that I telephone them for " additional clarification from me '' which they require. I attempted to call them as requested, but I never was able to speak to a person. Their automated answering machine kept asking me for an account number and password that I obviously do not have. 

The XXXX XXXX Police Department informed me that thefts from outside mailboxes are very common and that the United States Postal Service does not respond to police reports of these incidents or do anything to correct the problem. Consequently, all consumers should avoid using these outdoor mailboxes to send any checks. 

XXXX XXXX has informed me that until the Bank of America reimburses XXXX for the fraudulently cashed check, XXXXXXXX XXXX will not reimburse me. This incident is now almost XXXX months old, and neither Bank of America or XXXX XXXX has taken any effective action to correct this fraud.
Product: Mortgage

Original complaint # XXXX my home That I lost is now valued at XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my Equifax, XXXX, XXXX credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXXXXXX XXXX XXXXXX/XX/XXXX -XXXX/EQUIFA XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/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 -DP OF EDUC 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the following acct # s 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 a account without my written instructions XXXX XXXX  Account number : XXXX XXXX Account status : Late 30 days Available credit : {$300.00} Reported balance : {$350.00} Credit utilizationXXXX % Date XXXX XXXX XXXX Account number XXXX XXXX XXXX Account status : Collection Available credit : {$0.00} Reported balance : {$1900.00} Date XXXXXXXX XXXX Account number : XXXX XXXX Account status : Collection Available credit : {$0.00} Reported balance : {$380.00} Credit utilization Date XXXX XXXX  Overview Account number XXXX XXXX XXXX Account status : Collection Available credit : {$0.00} Reported balance : {$22000.00} Credit utilization Date XXXXXXXX XXXX Date XXXX Date XXXX Amount XXXX {$380.00} Status XXXX Balance XXXX Account designator code : Individual account Account number : XXXX XXXX XXXX Date XXXX Date XXXX Amount : {$1900.00} Status XXXX Balance date : XX/XX/2022 : Account designator code : Joint account Account number : XXXX XXXXXXXX XXXX XXXX Date XXXX Date XXXX Amount : {$22000.00} Status XXXX Balance XXXX Account designator code : Individual account Account number : XXXX XXXX XXXX  Date XXXX Date XXXX Amount : {$500.00} Status XXXX Balance XXXX Account designator code : Individual account Account number : XXXX XXXXXXXX XXXX  Date XXXX Date XXXX Amount : {$310.00} Status XXXX Balance XXXX Account designator code : Individual account Account number : XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have an account from XXXXXXXX XXXX  on my credit report showing up as paid and closed but also 30 days late. That is incorrect information and it is showing as a negative.
Product: Credit reporting or other personal consumer reports

I've recently received a copy of my credit report and noticed an account with misinformation reported on my credit report. This has been detrimental to my credit score and my life.
Product: Credit card

I had requested an increase in my credit card account with Bank of America. My account representative at Bank of America recommended that the only option was that I open a new credit card where I'd get a credit line and then she'd merge it with the existing card and then I can have a combined credit line on one card. I agreed to it. Towards the end of XX/XX/XXXX, she called me on the phone with the credit card team where they opened the card on the call. I was also informed for the first time that it would be my old card would be closed. I received a {$25000.00} increase to my existing {$100000.00} credit line for a total of {$120000.00}. Down the road I realized that although they transferred my credit limit, they didn't transfer my rewards points of around {$40000.00}. 

I escalated this to my account manager who was horrified with what had happened. Rewards were a key part of why she had recommended and opened the original credit card account in the first place. She promised to escalate and help me get the points but eventually on XX/XX/XXXX she called me with her manager on the line and said the points had expired and they couldn't do anything about it. And that I had been read the appropriate disclosures on the call when they opened the new card and closed the old card. 

If I had opened and closed this account on my own, I would be willing to take this as a loss. However, I completely depended on the account managers advice and did as she recommended over several years of the relationship. I have earned those reward points and I'd like Bank of American to reinstate them to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under the new law effective XX/XX/2017 any public record data must include name and address as well as SSN or DOB in order for it to appear in your credit file. XXXX  and Experian has not updated the information and per the new law the Bankruptcy listed does not include this information and should be deleted from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my seventh endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit card or prepaid card

bank of america has denied my claim for 5 months i have filled a police report everything they have asked. further more they broke it down into three different claims and approved the other two in less amounts but still consider the large amount denied
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. 

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 XXXX years. 

XXXX 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 reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX 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. 

XXXX # XXXX XX/XX/XXXX -- {$1600.00} XXXX XXXX XXXXXXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$460.00} XXXX XXXX  # XXXX XX/XX/XXXX -- {$0.00} XXXX # XXXX XX/XX/XXXX -- {$110.00} UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX
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. 


I told XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : XXXX, Account name : XXXX XXXX, Account name XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 or prepaid card

I have a step brother who's currently XXXX at the XXXX  XXXX XXXX, I went to their website XXXX in order to buy XXXX in commissary for my step brother. The XXXX uses a payment processor XXXX to process payments in order for me to purchase commissary for my step brother. I created an account (I did not have to agree to any "Terms of Use" before creating this account, nor was i made aware of any), selected my step brother from their list, put in my payment information and selected the amount of commissary i wanted to purchase. They informed me that i would be charged "A nonrefundable fee of XXXX or 10.0000% of the deposit amount, whichever is greater, will be charged.", which i agreed to. When i looked at my credit card statement, i was charged XXXX from Capital One for a "Cash Advance Fee". I called Capital One to dispute this, explaining to them that no Cash was taken out of an ATM nor was any Cash given to the XXXX, i was simply paying for commissary on my step brother behalf since no Cash is allowed inside XXXX. They refused to wave the fee and said that i will be paying a 26% DAILY Interest fee on this amount as well until it's paid in full. I believe this is an absolute defraud of my Civil Rights as an American Citizen.
Product: Vehicle loan or lease

I have purchased a XXXX XXXX with XXXX XXXX on XX/XX/XXXX. 
Because the interest rate is high I transferred the loan from XXXX XXXX to XXXX. 
XXXX paid off XXXX XXXX on XX/XX/XXXX the sum of {$30000.00}. XXXX   XXXX did sent out letter stating that the account is paid off on XX/XX/XXXX. 

The terms of agreement with XXXX is that I need to transfer my Finance Company on title document for which I need Lien Release form from XXXX  XXXX. 

I tried reaching out XXXX  XXXX in the month of XXXX, XXXX, XX/XX/XXXX. and also on XX/XX/XXXX. 

They have the terrible IVRS which asks to enter account information but didnt recognises the customer so with so many attempts I reached a human Service Representative - every time it will take an hour minimum wait to speak with them. 

All the 4 times the representatives assured me that I will receive my lien Document in 4 to 7 Business Days and they said they marked the delivery request as expedited ( which is a big joke ). 

Its been almost 6 months and I didnot transferred my lien holder on title because of which XXXX marked my account as default and resulted in increase in interest rate even though its not my fault.
Product: Debt collection

I have reached out to XXXX XXXX on multiple occasions asking them to provide me with verifiable proof that the debts they are seeking to collect on are mine, and that they reserve the right to collect on such debts. After receiving a Ietter from them dated XX/XX/18, I have sent them letters requesting verification ( XX/XX/18, XX/XX/18, XX/XX/18 ), in which they responded on XX/XX/18 saying that they were currently investigating the matter. And, after three months of correspondence, they have failed to provide me with a copy of any original document bearing my signature, as well as any agreement between them and an original creditor stating that they have been granted the authority to collect on such alleged debt.
Product: Debt collection

Dear CFPB Thank you for hearing me again over the last XXXX yrs. we have been dealing with several accounts that was done by Fraud/ Identity theft. When I was living out of the country for those 8 years. You guys helped me get these accounts removed over XXXX  times in a XXXX yr period. 
The creditors found out they was fraud and removed them as you guys recall I had to get the police and Attorney General involved. Now the same company has Sold the account to the Collection agency thats listed. 
My Life has been destroyed if you guys recall I been fighting this for years and even had a massive XXXX XXXX over it, and I have been rejected from Jobs, school even a place to live. Im XXXX because in my city you cant have collections you cant rent. Even someone had got XXXX evictions on my name when I was out of the country. 
I went to save lives and my life was being destroyed, the collection agency has been Ruthless and pure evil to me, not wanting to listen or even understand. I also the collections agency put it meets FCC regulations and I Agree it should be on my report. I DO NOT AGREE, and the company Lied and stated I agree. 
I swear on my soul my Identity had been stolen back then and even I had Several Security breaches from the XXXX  because I support victims of crime. I cant get Hired with these collections. 
Im not a liar and I promise you I did not open the account and I had proven that several times, the issue is how much more suffering will I go through. Because I was found incent and when they SALE these accounts it start all over. 
With my line of work with victims of crime I cant have collections, or I would get fired, and I did not do these things and should not have to pay for these things. The collections are not large but still I did not do this. And to suffer from 2013 to current is insane. 
IM XXXX OVER THIS AND CANT GO BACK TO WORK UNTIL ITS CLEAR. They dont want to see anything thats negative. why do I have to lose my whole life and now during a pandemic every time this pops up on my reports, I get Fired and lose my Apartment. Because they check our credit monthly. 
I need you guys Help again to get this deleted please completely and for them to stop asking me to send more documents, because they dont have full documents and they are using what I sent in against me to build a case to stick me with a bill I dont owe. 
DID YOU GUYS KNOW THATS WHAT THE COLLECTION AGENCY BEEN DOING TO ME? Im dying out here help me get this deleted again. Thank you
Product: Debt collection

In XX/XX/XXXX, i disputed this debt with XXXX XXXX through XXXX asking for the debt to be validated. I was supplied no information to validate this debt. XXXX  just claims the debt was " verified as accurate '' having had no sufficient validation provided to me. I attempted to contact original debtor, XXXX XXXX in XX/XX/XXXX and they could not locate nor give me any information to validate this debt. Also this collection agency, XXXX XXXX is not authorized to collect in Georgia, the state in which I reside.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Experian and XXXX Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Experian and XXXX Credit Bureaus are responsible for their tenacious rebelliousness. 

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

I began reporting discrepancies and disputing incorrect items on my Credit Report ( s ) to EACH of the three ( 3 ) Agencies ( Experian, XXXX  & XXXX  ) in XXXX. 
To date, XX/XX/XXXX, NO RESOLUTION has been achieved from any of these three ( 3 ) Agencies. 
I have sent as Many AS Many as thirty-five to some. 
I now believe I am the VICTIM of " AGE DISCRIMINATION ''
Product: Debt collection

I am elderly XXXX years old on a fixed government income and I have told Mercantile Adjustments Office & XXXX XXXX XXXX XXXX XXXX and Headquarters ( Mailing Address ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, NY XXXX To stop calling me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$100.00} XXXX XXXX ( Original XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I attended XXXX XXXX XXXX XXXX  in XXXX and the school was bought out. XXXX  XXXX  had fraudulent employees in the financial aid department who didnt thoroughly explain the process and forced students to sign up. Ive been trying to dispute this issue and have had problems for the last 8 years and its still on my credit
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXhas fraudulently reported XXXX negative remarks stating Charge off on my credit reports after they have filed the charge off got paid thru profit and loss and still reporting on a closed account on my credit files okays due. This is Fraud and a violation of the FCRA. The credit bureaus experian, XXXX and XXXX all culprits as well allowing the update on the closed account and when my credit is pulled the closed accounts are viewed not my open active current accounts. This is Fraud!
Product: Credit card or prepaid card

Called customer service so many times and they are so rude and horrible in servicing customers they ruined my travels with their service. They do not listen, do what they want and greatly inconvenience customers with no regard. These people when I had fraud on my account and reported it treated me like the criminal, cut me off from my money and any access when I specifically told them I was on travel and business, not to cut my card off and access to my money while on travel and they ( a supervisor ) not only did so, hung on me after being told several times how this has caused me great stress and discomfort with their service and I require access to my money. They even stopped me from being able to withdraw my funds from their bank so I can have my money while on travel. Because of their actions I was not able to use my card to check into my hotel at XXXX XXXX after traveling 14 hours on the road, since I told the reps not to cancel my card very clearly and they did it anyway my card was declined at dinner and entertainment in complete embarrassment ruining my travels. Not only that the rep tells me they are not going to follow federal regulations and put my money back to my card from fraud when reported and American Express thinks they can do what they want, they are not liable. Their reps tend to think they can do what they want, no empathy for customers and American Express is not liable for fraud.
Product: Checking or savings account

Back in XXXX of XXXX, Citibank randomly closed my account for no reason ( I had just opened the account too ) I had I believe around $ XXXX in the account, I have no way of knowing because they XXXX my online access too. But I'm sure of at least that amount. 

They said that I would get a check in the mail within a certain period of time containing funds in the account, and it has been far past that time and nothing has came. I've tried to call and they refuse to do anything meaningful to help me.