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

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; not withstanding, there are still a few items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these items ( 1 ). ( A ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

From XX/XX/XXXX, XXXX XXXX, XXXX my credit card with Bank of America was physically used at locations in the surrounding XXXX area as well as across state lines. I did not physically or knowingly make these purchases. My credit card was stolen. I was not notified of these transactions by Bank of America, but I discovered them when I went to pay my monthly bill on XX/XX/XXXX. I have filed a fraud dispute 4-5 times, and have received the same response each time, " As you requested, we completed a re-evaluation of your credit card dispute for {$3700.00} - unfortunately, our decision to decline your fraud claim for this transaction ( s ) hasn't changed. '' I filed a police report with my local jurisdiction on XX/XX/XXXX to report my credit card stolen per Bank of America 's suggestions. My case was suppose to be escalated in XX/XX/XXXX, but I haven't heard or received anything from Bank of America. They continue to charge me interest and expect me to pay the balance. My phone records and computer logins can prove that I was locked down ( per Texas government 's recommendation ) in my house while these purchases were being made in person by someone who was not me or anyone in my family. I have contacted the individual vendors, but they can't release any video footage to me. It must come from an investigative service or the bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unverified late payments listed on my Wells Fargo Student loan - I was still in school and payments should have been deferred but the loan was sold. I was not late! I was in school!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been submitting letters since XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the XXXX end. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized inquiry listed below : XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, On XX/XX/XXXX of 2020 I reached out to Comenity Bank in regards to an inquiry on my XXXX, XXXX and XXXX  reports. First I do not know and never have done business with Comenity Bank. Secondly I never gave this Business any authorization to run my credit. Thirdly upon calling Comentity Bank  and speaking to a Representative who was absolutely no help it was mentioned in the phone call from the Comenity Bank customer service representative that they had no information nor file they could look up to find of me. Not surprising due to the fact I'VE NEVER EVEN HEARD OF THIS BANK PRIOR. I kindly asked the representative if they could send a letter informing the credit bureaus that the inquiry was obviously incorrect and to have it removed. The Representative replied ... " we are not able to formulate a letter stating or requesting a removal ''. So you mean to tell me a company can illegally authorize without consumer consent or signature an inquiry but can't remove it?!?! Least to say I am furious and want this inaccurate and unauthorized hard inquiry removed from my credit within 30 days under FCRA law. Please note that this company has already sent a letter stating they did not have me nor could find me in their system.
Product: Credit reporting or other personal consumer reports

This is my first request 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 records 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, remove 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 XXXXXX/XX/XXXX
Product: Credit card or prepaid card

1. On XX/XX/2022 I received an email from Bank of America that I will be receiving a replacement credit card ending in XXXX for my card that will soon expire. 
2. On XXXX XXXX, 2022 I received a text from BofA, while at work, asking if I made a purchase for {$1000.00} from XXXX XXXX XXXX I replied NO. I also verified if this was a legitimate text message and checked my BofA mobile app. 
3. I immediately contacted BofA via phone and talked to customer service. At that time I have not realized that the replacement card they sent me via XXXX was stolen. When asked I honestly told them that I still have the card with me. Person did not asked if I received the replacement card which I have not. He had the XXXX card deactivated and said they'll send a 2nd replacement card. Numerous calls made and I found out that the replacement card is already activated when shipped. Previous cards I received from them has a sticker that says call this number to acrivate card. 
4. I received an email stating that I'll receive a card with a new account number and this time with a tracking number. I received 2nd replacement card via XXXX XXXX XXXX XXXX. 
5. On the 2nd replacement cards I received it have stickers that says " Ready for use ''. 
6. I regularly call BofA fraud claim, I told them that I did not made the purchase in XXXX store on XX/XX/2022. I did not authorize anyone to use it on that day. 
7. I received an email from Bof A on XX/XX/2022. It says it rejected my claim and I'm on the accountable for the purchase since it was made using my card, pin was entered and signature made. 
8. On my credit cards with BofA I'm not required to enter a pin, sign or show my identification when making purchase. 
9 As of today I have not received the 1st replacement credit card.
Product: Credit card

XXXX XXXX I received dispute results from XXXX/Capital One. I initially disputed a late, but Capital One removed the trade line all together, thus damaging my credit scores. After the typical blame game of one another, I was told Capital One incorrectly processed the dispute and would need to send a re assertion letter to each agency. As of yesterday, Capital One has verbally confirmed sending the letter ... still with no written confirmation. XXXX stated it may take up to " 3 Billing Cycles '' for the trade line to be re asserted. A few things concern me here. I seemingly have no recourse and am unsure as to if my scores will rescore and so on. I am unable to access the credit markets at this time which have brought my undue hardship. Essentially my report will have went wrong from time of dispute to potential resolution some 120+ days. Not to mention they never have addressed the actual late I was disputing in the first place.
Product: Credit reporting or other personal consumer reports

I am writing to formally address a serious matter regarding the unauthorized and fraudulent use of my identity. It has come to my attention that an account has been opened in my name without my consent or knowledge. I would like to make it clear that I did not authorize this account, nor did I participate in any way in the creation or use of it. This is a clear case of identity theft, and I take this breach of my personal information extremely seriously.
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately reinvestigated. The inaccuracies are highly injurious to my credit score ( XXXX XXXX XXXX, Account XXXX XXXX ). In accordance with the Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your re-investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Product: Student loan

My personal and financial information was compromised without my authorization.

The Family Educational Rights and Privacy Act ( FERPA ) protects the confidentiality of student records. This breach clearly violates FERPA and your responsibility to safeguard my information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a student loan account through XXXX XXXX XXXX that was also through JP Morgan Chase Bank. The account was sent to collections through XXXX XXXX XXXX, even though I never received a bill or an loan payment notice to begin with. I started paying the collections account in XX/XX/XXXX. All payments of {$150.00} per month were agreed upon by XXXX XXXX XXXX and have been made on time. My credit reports show that I have missed payments that are 180 days late for XX/XX/XXXX and XX/XX/XXXX but these are incorrect. I also do not believe that the payments should have ever been sent to a collections agency in the first place, because I was never informed that there was any payment due to begin with. The account as a whole has had a very negative effect on my credit and may cause issues for me at work, since I am enlisted in the XXXX XXXX XXXX and hold a Top Secret Security Clearance. I have tried disputing this multiple times through XXXX, XXXX, and XXXX  and through XXXX XXXX. JP Morgan Chase Bank will not respond to any phone calls, emails, or correspondence from the companies or myself and has failed to correct the information after years of filing disputes.
Product: Money transfer, virtual currency, or money service

Coinbase.com shut my account down after doing business with them for many years. Costing me a bundle and a major hassle. I only know about purchasing, not really in transfering so they forced me to transfer and much of it ended up lost as well. Their " customer service '' is ignorant and plays clueless.
Product: Debt collection

In XXXX XXXX XXXX XXXX XXXX broke the HIPAA law and FCRA by sharing my protected health information with a third party for them to collect of the alleged debt for them. This would be totally legal if XXXX XXXX XXXX office and I had a written agreement where I gave my written instruction to furnish this information to a third party for any reason. Not only is it a violation of the HIPAA law it's also a FCRA violation. I demand remedy for all laws violated. 
Contract law would be the only thing binding me to a debt with either of these companies and I have yet to receive a copy of an enforceable legal agreement signed by both parties. Anything less would be unilateral and void and or non enforceable. It is said that consent is obtained through meditated imposition or circumvention, it is to be treated as a delusion, and not as a deliberate and free act of the mind. 17 American Jurisprudence 2d 151. Fraud is material to a contract would not have been if the fraud had not been perpetrated. 
Furthermore, this attempt to collect on a debt violated numerous other laws. This company didn't have the decency to collect my physical address from this company but instead decided to contact me by an old email address that was possessed only by XXXX XXXX. 
I made a phone call to this company on XX/XX/XXXXto request that they cease and desist contacting me and I was told on a recorded line that they would not stop reaching out to me but that they had to collect on the debt because they had been paid to do so. That within itself is false and misleading. This company thinks I am not aware of the law or how to enforce them when a company is non compliant. Which is why Consumer Protect Laws are even a thing. These companies act as if they do not have to abide by them because consumers are afraid of litigation. I assure you that I am not. 
I have attached my written complaint that was mailed to both companies for settlement of their violations. Otherwise this matter will be brought to Federal Court and put in front of the public for scrutiny.
Product: Credit card or prepaid card

Self financial XXXX XXXX XXXX # XXXX XXXX TX XXXX www.self.inc Self financial is the company I am filing this complaint about. I have been issued a credit card by them, then after I've been using it NOW they shut the card off and ask me to verify my identity. 

So I upload a copy of my driver 's license and debit card through their website and have emailed them several times. I have received one email back asking how they can help, i answered in the email I need help verifying my identity and I would like my card turned back on and haven't received another email since then. 

They have ZERO phone line customer service. ZERO chat box on their website. 

This is a DISGRACE to treat CUSTOMERS like this.
Product: Credit card or prepaid card

On XX/XX/2019, my XXXX application alerted me to a new inquiry from Synchrony Bank/Pay Pal. I immediately called Synchrony Bank and spoke to the fraud department and notified them that I did not apply for a credit card. The fraud department said that they will investigate and I should receive something in the mail within 30-60 days. I have never received a credit card statement at my address because this is not my account. Today I checked my credit report and noticed the account is still listed on my three credit reports and now the owner of the fraudulent account now has a balance on the card of {$49.00}. I want this account closed immediately and deleted from all three credit bureaus ( XXXX, XXXX, and XXXX  ). I also want the inquires deleted from all three credit bureaus. I am also filing a complaint with the Federal Trade Commission and will be filing suit in my local municipality against Synchrony Bank.
Product: Bank account or service

In XXXX I was a victim of Citizens bank 's aggressive and unfair overdraft practices. For the past 6 years I have tried to resolve this harm. Rather than resolve this harm Citizens has damaged my credit, sent aggressive debt collectors to harasses me and my family, and have ignored my honest attempts to fix this wrong. I beg the consumer financial protection bureau for help. 
The Citizens Bank representative XXXX XXXX ( Office of the Chairman XXXX ) has not responded to at least XXXX voice messages left in XXXX and has not followed up within the 60 days that was promised during our last correspondence ( XXXX XXXX, XXXX ). The damage to my credit is costing me a great deal of money. It is also preventing me from applying to a mortgage. 
In XXXX a class action lawsuit was won and citizens agreed to pay customers that were previously harmed by the fees as well as to change their future overdraft practices. 
Citizens Bank did not pay or rebate the fees in my case because my account was overdrawn. Think about this. Citizens charged me {$700.00} in fees through unfair overdraft practices- then refused to remedy my case because I was overdrawn!!!!! 

Here is exactly what happened : XXXX weekend XXXX, I took my father to lunch on the Sunday. On Monday my account was negative over {$800.00}. How? Citizens put the XXXX lunch through as the XXXX transaction and then processed the smaller earlier transactions from Friday and Saturday. In total I was charged more than {$700.00} in fees. The branch manager would not refund this fees. I closed my account and told them I would never pay. I never paid. I never gave affirmative consent to the overdraft account. I would never agree to pay a {$35.00} overdraft fee for a {$1.00} cup of coffee. The {$700.00} turned into more than {$1000.00} and then according to XXXX debt collector {$2500.00}. 
I have been negatively affected by Citizens Bank 's poor consumer department, and the negative reports on my credit ( that has costs me huge in all aspects of credit ). 
The policies that affected me were : Did not obtain affirmative consent from its customers prior to processing transactions that resulted in overdraft fees. 
Manipulates and reorders transactions so that it can increase the number of overdraft fees it imposes. 
Manipulates and reorders debits from highest to lowest in order to maximize the number of overdrafts and consequently, the amount of overdraft fees. 
Delays posting of transactions by customers using debit cards so that customers are charged overdraft fees on transactions, even though the customers had sufficient funds in their accounts to cover the transactions upon execution. 
Charges exorbitant overdraft fees that bear no relationship to the actual costs and risks of covering insufficient funds transactions. 
Violates the consumer protection acts of certain states through its overdraft. 

My rights as a consumer have been violated for 6 years. I demand this is removed from my credit report.
Product: Credit reporting or other personal consumer reports

This is my numerous attempt to inform you that I am an identity theft victim and that certain data in my file appear to be the result of improper activity. The documents I'm looking at have nothing to do with transactions that result in the acquisition of any property, money, or products that I have either made or approved. Block the entry of any information in my credit record that resulted from a claimed scam or extortion, assuming no one will care in any case. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

It is important to note that making legal threats without intending to act on them is unlawful. Therefore, be advised that I am fully committed to pursuing legal action against your company. Despite sending numerous requests for you to investigate and remove inaccurate information from my credit profile, you have repeatedly failed to comply. This is my final notice requesting compliance with the FCRA. If you do not conduct a thorough investigation of the disputed accounts, I will file a lawsuit against your company in my county of residence, necessitating your travel here to defend your actions. 

Disputed Accounts : XXXX XXXX XXXX XXXXXXXX and XXXX XXXX XXXX ( Original Creditor XXXX ) XXXX.
Product: Debt collection

I check my credit on XXXX login and I find a account on there wish now its on collection This the account Information : CREDENCE RESOURCE XXXX XXXX Date opened : XXXX XXXX XXXX Collection account. {$890.00} past due as of XX/XX/year> So I sent a dispute letter to XXXX credit bureau With a identity to report and they responded to me saying they wont remove the collection on my credit
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 on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXX  to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
XXXX XXXX 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 or other personal consumer reports

I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that i wanted a little more explanation on. i am not saying they are reporting right or wrong. I am just saying that i am not 100 percent sure if they are. i also read something called the fair credit Reporting act where it said by law/ I had rights to challenge anything i am not sure is accurate. 
SOme of the people reporting things on me. I have never heard of which made me write to you Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? i heard that if you cant provide proof these accounts must be deleted. Well i want these accounts deleted if they are not 100percent right and correct. So could you please check on these and get back with me? I saw on a Credit site and board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct
Product: Credit card

I have a XXXX XXXX XXXX XXXX through Wells Fargo. Recently i Worked with XXXX, this is the case number XXXX. The person who owns the checking account of the unauthorized charges affiliated to this case is stating XXXX never received the check that Wells Fargo had sent. The balance went back on to my balance so to protect myself i would like to get confirmation in writing that XXXX received a check from Wells Fargo.
Product: Debt collection

A case manager from this company called and left voicemails for 4 people in my family leaving rude voicemails for the ones that didn't answer and rudely talking to my aunt who unfortunately did answer. I called the number they all gave me to figure out why they called my family. Well when I get on the phone with said case manager at XXXX I ask why he contacted 4 people in my family he then proceeds to yell loudly at me and call me and my family a liar even though my little sister who lives with me played the voicemail on her phone not 10 minutes before. These people are rude and obscene.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform credit bureaus that the following companies made unauthorized inquiries on my credit report. I have listed the names of the companies below, and the dates the inquiries were made. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

address wrong:

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX 

accounts not mine XXXX XXXX XXXX  dept of ed/ XXXX  (all)
XXXX XXXX XXXX XXXX XXXX XXXX
us department of edu (all)
XXXX XXXX XXXX card
Product: Debt collection

On XX/XX/XXXX, I received an alert from XXXX that a collection account was listed on one of my credit reports by Perfection Collection in the amount of {$4000.00}. On XX/XX/XXXX, I submitted a dispute with the Better Business Bureau requesting that Perfection remove the trade line from my report because they are not licensed to collection debts in the state of Maryland ( verification is attached ). This company is not lawfully able to collection on this alleged debt from XXXX.