23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

XX/XX/XXXX -- I received unsolicited prescreened credit card offer from BANK OF AMERICA ( BOA ) for card with 0 % APR for the first 18 billing cycles. I accepted this offer to purchase expensive XXXX XXXX, allowing me to FULLY pay off balance before the end of the 18 billing cycles. I planned to make recurring FIXED $ 250 month payments using the usual autopayment options. No problem - easy right! WRONG - BOA rigs their online payment system to prevent FIXED payments. 
XX/XX/XXXX - BOA XXXX XXXX XXXX XXXX approved XX/XX/XXXX - purchased expensive XXXX XXXXXXXX with new card XX/XX/XXXX - made {$1.00} online test payment in anticipation of autopayment process ; Told by customer service can NOT set up autopay until receive first e-bill. 
XX/XX/XXXX - received first e-bill and attempted to set up fixed $ 250 monthly recurring payments. Only XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXull balance payment of over {$3000.00}, EVEN THOUGH online BOA payment screen clearly reads ... '' You can also set up AutoPay based on the custom dates, amounts, and other details you choose ''. Also Txt response for HELP payment button gives FIXED payment as a third option. Service rep stated BOA stopped Fixed payments in XX/XX/XXXX!! This is FALSE ADVERTISING AND DECEPTIVE. BOA wants their users to miss payments and then pay a LARGE interest amount. BOA is preying on the working poor and elderly. Shame on BOA!!
Product: Credit reporting or other personal consumer reports

On Equifax and XXXX the only address that is correct is XXXX XXXX XXXX XXXX MI XXXX. On XXXX the only correct address XXXX XXXX XXXX XXXX MI XXXX is missing.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint and dispute regarding errors on my credit report that I believe violate my rights under the Fair Credit Reporting Act ( FCRA ). Upon reviewing my credit report, I found inconsistencies related to the reporting of charge-off dates for two separate accounts.

The accounts in question are : First Premier Bank Account Number : XXXX Incorrect Charge-Off Date : [ State the incorrect date reported ] These errors are inaccurate and misleading, causing harm to my creditworthiness. Under the FCRA, I have the right to an accurate credit report, and these discrepancies warrant immediate correction. 

I have taken steps to dispute these errors directly with the credit reporting agencies and the creditors involved, but I have not received adequate resolution. Enclosed are copies of my credit report highlighting the errors, along with any correspondence related to my dispute.

Charge off dates are inaccurate between the two credit companies.

I respectfully request that the Consumer Financial Protection Bureau investigate this matter and ensure that the credit reporting agencies and creditors comply with federal law. The charge-off dates must be accurately reflected, or the information should be removed from my credit report if it can not be verified as accurate.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023, I called Experian Credit Reporting Agency at XXXX XXXX. When I finally was able to speak with a rep, I explained that I wanted to correct the personal information section of the report and file a dispute for the public information section. This representative was very, very helpful. He made the corrections to my physical mailing address, as well as, he was able to correct the many misspellings of my name. He was able to remove that information but had to transfer me to the fraud department because I expressed an identity theft on my credit report. Again, this first gentleman was an upstanding employee and very willing to help. I feel a little bad that I don't remember his name. 

I was then transferred to " XXXX in the fraud department. '' This is how he responded to me asking if he had an ID # or if he could provide me with his last name. My asking for his information was based on his sarcastic remarks, his resistance to helping to correct the error I had identified on my report, and his verbal denial of my ability to file a dispute against the reporting agency, Experian. 

I cited 15 U.S.C. 1681 codes including but not limited to 15 U.S.C. 1681 ( b ), 15 U.S.C. 1681 ( c ), 15 U.S.C. 1681 ( e ), 15 U.S.C. 1681i ( a ), and 15 U.S.C. 1681c-2 ( a ). Yet he continued to verbally deny my request.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ACCOUNTS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX AND TRANSUNION CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the ACCOUNTS below in my file : XXXX XXXX XXXX XXXX XXXX Balance : {$3600.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$6400.00} ; XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$1400.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was advised to write to you by your customer service department concerning my credit rating with your company. I have enjoyed a credit account with SELFINC/LEAD for many years. During the course of our business association, I have honored and respected my account agreement to the fullest. I appreciate how wonderful your service has always been. 
Unfortunately, I was in a financial dilemma due to job loss. As a result, some of my payments to you were delayed. Because your account with me is extremely important, I managed to borrow the money to cover the late payments. I made those payments 30/60 days late on a few occasions during the course of my situation, but I made sure to fulfill my obligation to ensure that your company suffered no loss. 
I am thankful and appreciative for the years of positive credit history that I have obtained through your company but now those late marks on my credit reports have become detrimental. I am trying to apply for a new job, but the negative remarks are hurting my efforts. 
The credit bureaus have advised me that they will report anything as instructed by you, but they need to have that instruction in writing. I am pleading with you to help me and take into consideration how good of a customer I have been and how long I have had an account with you.
Product: Checking or savings account

I was charged overdraft fees and other fees and my checking account was frozen. Bank account was closed
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that several credit bureaus will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : XXXX XXXX XXXX. Account number : XXXX
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. 

Account XXXX XXXX Account last XXXX digit # XXXX has 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 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: Checking or savings account

On XX/XX/XXXX, my wife and I discovered 3 fraudulent checks that were paid out of our joint money market account. My wife is the primary account owner and I am an authorized signer on this account. We notified BECU immediately and they froze all of our accounts without even asking if we needed to make a withdrawal first to have cash to survive on. BECU requested a series of steps including visiting a branch to sign notarized affidavit of forgery, change online banking password, and change account number of account the fraud happened on. We complied with all these steps and BECU replaced the lost funds and unfroze all accounts for my wife. However, as of today XX/XX/XXXX, which is 30 days later, they have still refused to unfreeze my personal accounts. They claim it might be an error but they havent fixed it. I have called multiple times and been placed on hold for over an hour each time. They never sent ANY documentation at all about freezing my accounts or why they are still frozen. I have been unable to pay bills or buy food for an entire month and they are completely uncooperative and unhelpful about it. It is not fair to unfreeze the primary account holders personal accounts and keep mine frozen for the SAME fraud case. It was already determined to be not our fault and money was replaced. Please help BECU understand they cant treat their customers this way! I feel this is unfair discrimination because of my gender since this is the only difference between who they unfroze accounts for and myself.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent or recognize any of these inquiries on my credit report. Please have them removed immediately from my credit report.
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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) : # XXXX, ( Original Creditor : XXXX XXXX  XXXX XXXX  XXXX XXXX # XXXX has 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 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: Debt collection

CBE Group just reported to my credit a week ago and I have no idea what it is for. I never got a notice and I have tried to call them at least 20 times and no matter what option I push the recording just loops back. I can not reach anyone to even try to see what this is for. This is a violation because they should send a 30 day write to dispute notice for one, they ca n't just put something on my credit because they want to. Plus my name is common and I have had multiple mixed files in the past due to that. 
They put it on your credit then you can not ever reach them. How are they even allowed to do this!
Product: Debt collection

I received a bill NOT A VERIFICATION on XX/XX/2021 XXXX by CAPIO PARTNERS for {$2200.00} and as allowed under the Fair Debt Collection Practices Act, I have requested them to allow me to validate the alleged debt. I am aware that there is a debt from XXXX XXXX XXXX XXXX XXXX, but I am unaware of the amount due and the bill sent does not include a breakdown of any fees AND/OR interests occurred. Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I do NOT recall giving permission to XXXX XXXX XXXX XXXX XXXX for them to release my medical information to ANY third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Therefore my request is twofoldvalidation of debt and HIPAA authorization. I will send a OFFICIAL NOTICE and last request for a VALID debt validation with the following. 

1. ) provide breakdown of fees including any collection costs and medical charges.

2. ) Provide a copy of my signature with the provider of service stating to release my medical information to said collection agencies.

3. ) Cease any credit bureau reporting until the debt has been validated by me.

4. ) CORRECT INFORMATION ABOUT ME BECAUSE NO SOCIAL IS LISTED AND ADDRESS PLUS NAME IS WRONG AND THIS WILL ESCALATE WITH LEGAL ACTION AGAINST COLLECTOR AND THE FEDERAL GOVERNMENT FOR BOTH CFPB AND HIPPA VIOLATION
Product: Debt collection

I believe my personal information was compromised without my knowledge or consent. I was notified by a collection agency etc. how I became aware of the identity theft. I found that provided details about the fraudulent activities were uncovered such as unauthorized accounts, or other pertinent information.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX on XX/XX/XXXX under the account number XXXX with a balance of {$2700.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

I've already notified the appropriate creditors about these phony accounts, and I've sent along all the supporting paperwork needed to confirm the accounts ' late payments. Several credit reporting agencies have verified the instances of late payments and swiftly removed these accounts from my credit history. 

NISSAN-INFINITI LT XXXX- This account was NEVER late. The late payment is erroneous. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or NISSAN-INFINITI LT customer service. 


I am aware that you have 30 days after receiving a customer dispute to look into disputed information in accordance with the Fair Credit Reporting Act ( FCRA ). I implore you to act quickly to settle this matter and make the necessary updates to my credit record. 

In addition, after the required adjustments have been made, I would like a copy of the updated credit report as well as written confirmation of the removal.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm XXXX XXXX XXXX, and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get corrected immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

I have received a voicemail from XXXX XXXX XXXXXXXX XXXX, and Bank of America for a credit card application that I did not make. I am submitting this form as documentation to assert that I have made no attempts to apply for any new credit cards.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit score dropped 137 points and TransUnion could not give me a straight answer as to why. My score dropped XX/XX/2020. Last week into the beginning of this week ( today is XX/XX/XXXX ), I was communicating with them through email. I kept going back and forth with them because they could not tell me specifically why my score went down. I am on time with my payments and have had old collections removed. Everything that would've dropped my score had been previously reflected. I did not remove any accounts that built my credit history. I have not applied for any new lines of credit or taken out any new loans. There is nothing new on my report so I don't know what action to take. My score just dropped for no reason. My score also shows a drop with XXXX as well, however I have not yet reached out to them so for now my complaint is with TransUnion.
Product: Credit reporting, credit repair services, or other personal consumer reports

This Collection is incorrect and is not mine I do not owe and medical bills! I once disputed this and received a letter from the company that they sent it back to the original creditor and would be deleted off my report and shortly after it was taken off it was put right back on. I have submitted proof and they are still reporting which is causing my score to keep dropping every time they put it on there! It is reporting on Equifax and XXXX. 

This collection needs to be deleted immediately and they need to cease contact with me and my report as this is violation on their behalves.
Product: Debt collection

On XXXX XXXX, 2017 Diversified Reecovery took XXXX out of my account. This is because of a conversation that I had with a representative two weeks before that wouldnt take no for an answer with arranging payment arrangements for a bill three years ago that i never receive a letter from I tried to talk to them to see if I can arrange payments lower than that but that started to argue with me. I asked to speak with the manager and he also started to argue with me to the point to the point they hung up on me. Now I 'm getting phone calls threatened me to pay or they will be consequences if I do n't get back to them at a certain time frame but I still have received a letter and I really do not want them calling me if they are going to be bullying me to pay.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had my credit ran today XX/XX/2020 at XXXX because I was trying to finance a phone with them however, I was unable to do so because apparently there are several accounts in negative standing appearing on my credit history. I was surprised to hear this because I rarely even use my credit and when I do, I always make sure to pay everything on time. I looked through a copy of my credit report and I saw four accounts that are not mine. Three accounts are from a company called XXXX XXXX and One account is from a company called XXXX XXXX XXXX. I never opened any account with either of those companies nor did I give anyone permission to open these accounts in my name. I do not have any written or verbal contract with these companies nor did I benefit anything from these accounts such as money, goods, services or any other benefit and I did not contribute to any payments that might have been made towards these accounts. I have already filed a police report.
Product: Debt collection

I'm a supervisor with XXXX XXXX XXXX 's customer service contact center. We are getting calls from Allied Interstate to individual call center representative 's desk phone who is not the person they are looking for and this is a business number. We have advised them several times that the number is incorrect and this is a business and to stop calling. However they continue to call which is affecting our business negatively. The numbers they are calling from are as follows. 
XXXX XX/XX/2018 around XXXX XXXX XX/XX/2018 around XXXX XXXX XX/XX/2018 around XXXX Other dates called XX/XX/2018, XX/XX/2018
Product: Money transfer, virtual currency, or money service

Started using Zelle to make payments because it seemed safer than XXXX XXXX. Once I sent the money and it went to the wrong person. When I called to get the transaction canceled it was too late and I couldn't get the funds back.
Product: Credit reporting or other personal consumer reports

These inquiries were placed on my credit report when in fact, I have never allowed any of these companies to pull these inquiries. It is seriously affecting my credit scores and thus affecting my life as a whole.