23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

My XXXX year old mother, name withheld, of which I am Power of Attorney, was called by a " foreign '' man named Mr. XXXX on XX/XX/XXXX or XXXX, 2020 saying she had won the XXXX XXXX XXXX XXXX   jackpot prize of XXXX dollars and a new XXXX car. He called from a XXXX number, XXXX, and told her not to tell anyone. He said she had to pay fees to collect the prize money and had her go to various sites, XXXX, XXXX and her bank to purchase {$500.00} VISA cards. Mom put over {$3000.00} on her XXXX credit card, and at Bank of America deposited {$4200.00} into this another BOA account # XXXX XXXX XXXX, routing number XXXX XXXX XXXX XXXX XXXX. He also wanted her to go to a XXXX XXXX XXXX and put the same amount into account # XXXX XXXX XXXX, routing # XXXX XXXX XXXX XXXX XXXX XXXX, which she did NOT. 
On the second day, Bank of America bank teller recognized her and told her branch manager who caught what was going on and determined not to sell her any more VISA cards and called the police. No  report was filed by Bank of America nor the XXXX Police Dept which is required in order to file a claim against the bank or XXXX. I have tried unsuccessfully to get BANK to go " down the rabbit hole '' to chase down the receiving account.
Product: Credit reporting or other personal consumer reports

Dispute of Inaccurate Information and Unauthorized Hard Inquiries Description of the Issue I am writing to report several inaccuracies on my credit report and to dispute the actions taken by the companies involved. Despite my efforts to resolve these issues through the dispute process, the inaccurate information remains on my credit report. 

1. Negative Items - XXXX XXXXXXXX XXXX Reported XX/XX/XXXX, with a balance of {$2300.00}. This item needs attention as it does not reflect the correct balance or status. 
- XXXX XXXX XXXX Reported XX/XX/XXXX, with a balance of {$120.00}. This account was placed for collection by XXXX. 
- XXXX XXXX XXXX Reported XX/XX/XXXX, with a balance of {$540.00}. This account was placed for collection by XXXXXXXX XXXX XXXX XXXX XXXX 
- XXXX XXXX XXXX Reported XX/XX/XXXX, with a balance of {$100.00}. This account was placed for collection by The XXXX XXXX XXXX. 
- XXXX XXXX XXXX  Reported XX/XX/XXXX, with a balance of {$660.00}. 

2. Hard Inquiries : - On XX/XX/XXXX, a hard inquiry from XXXX XXXX was made without my consent. 
- On XX/XX/XXXX, a hard inquiry from XXXX was made without my consent. 
- On XX/XX/XXXX, a hard inquiry from XXXX was made without my consent. 
- Additional unauthorized inquiries were made by XXXX XXXX, XXXX XXXX, XXXX XXXX, and others listed on my credit report. 

Actions Taken : - I have previously disputed these items through the credit reporting agency, but the information remains unresolved. 
- I have not authorized the hard inquiries listed, and I did not give consent for these to be made. 
- Despite my efforts to correct these issues, the negative items and unauthorized inquiries persist on my credit report. 

I request that the companies involved investigate these issues and remove the inaccurate information from my credit report, as it is damaging my credit standing and does not reflect accurate or authorized activity. 

Thank you for addressing these matters promptly.
Product: Payday loan, title loan, or personal loan

I did not get this loan somebody used my social security number and got this loan
Product: Credit card or prepaid card

On the night of XX/XX/ I was looking through my mail when I noticed an envelope from XXXX XXXX XXXX, having a credit card with I opened it immediately. In said envelope was a new credit card I took it off the paper and turned it around and I looked at the name, XXXX XXXX, was the name on the card. I have no idea who this person is, I have never even heard that name before. I then called XXXX XXXX XXXX to find out what was going on. On the line with them their automated machine told me had a balance of XXXX, I was completely floored. I then tried cancelling all cards linked to my account, which I thought was only one, the one I applied for. When I was finally able to talk to someone, she transferred me to their fraud and protection department. I spoke to XXXX and she told me that this person authorized themselves on my account using all my personal information. XXXX XXXX increased my credit limit to XXXX the same day and ordered a card for herself. XXXX also told me that XXXX purchased XXXX on XX/XX/. She also told me that this person actually called twice once at XXXX and again at XXXX on XX/XX/. The conversation ended with XXXX telling me to contact the credit bureaus and to put an alert on my social security number.
Product: Credit reporting, credit repair services, or other personal consumer reports

FEMA/Treasury grant from Hurricane Sandy Flood Disaster from XXXX converted to a loan illegally in XXXX and at an interest rate of 40 % in bad faith showing on my credit report as delinquent. Which is in correct because I am in court with legal disputes and also making paying every month from my USA Treasury check as dispute continue. There is a legal court document granted against FEMA/Treasury signed by a Federal Judge. There is also medical necessity and sufficient proof from supporting papers that there is a major violation of Federal Truth in Lending Disclosures Act and credit reporting act under FTC law.
Product: Credit reporting, credit repair services, or other personal consumer reports

erroneous and inaccurate information is being reported on my credit reports. I informed the credit bureaus of the problem and sent documentation proving such. The accounts are reporting different information on each of the credit reports for the same account for things such as balance, date open, date closd, high credit, past due amounts etc.,. It is impossible reckless the bureaus to assume for all three variations of the same account to be accurate and allow it to be reported on my credit. Federal law requires that only accurate information be reported, the bureaus have refused to remove these inaccurate accounts.

The Credit bureaus have also not responded to my request with in the 30 day time frame they are given.
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 federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX {$730.00} XX/XX/XXXX XXXX XXXX XXXX {$1900.00} XX/XX/XXXX XXXX XXXXXXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX {$1500.00} XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX 15 U.S.C, 1681section 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 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 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

When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian and XXXX credit bureaus must validate these accounts in line with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXXXXXX Balance : {$55.00} XXXX XXXX XXXX XXXXXXXX Balance : {$110.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 ( Equifax ) and on XX/XX/2020 ( XXXX ) and on XX/XX/2020 ( XXXX ) add a derogatory mark on my credit report per XXXX XXXX. Upon further research, thus account is reporting inaccurately on all credit bureaus including wrong dates and I am not responsible for this account. Debtors nor the credit bureaus did and could not verify this Inaccurate XXXX XXXX Also, there was no written form of communication, contract or signature for this accused debt at all. A bill without a signature does not validate the debt, according to the FCRA ( credit bureaus and the court system has violated my rights as a consumer and I'm requesting legal action to remove this account immediately because i reached out to the court system and they verified they are not the one reporting this Derogatory the credit Bureaus are acting on their own In Accordance with the fair credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX  has violated my right 15 U.S.C 1681 section 602 A states i have the right to privacy.

15 U.S.C I681 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

I am contacting you in dispute of the below creditor, Debt Originator : XXXX/XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX, OH XXXX Collection Agency : XXXX XXXX XXXX , XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX I recently disputed this account with the CFPB, as a resolve the company stated it could not locate me in their database, therefore requested more information. 
I have provided as much information as possible and again I am requesting that the reported information be removed from all credit reports for the following reasons. 
1. The reported balance of XXXX is incorrect - I was a victim of Hurricanes Florence and Michael. I lived in the county in which my home was declared a disaster area via FEMA. 
XXXX/Comenity Bank refused to waiver the late fees, or to provide me with a hardship - concessions and continued to charge me astronomical late fees, reported this account to the credit reporting agencies, as a result this account was sent to a collections agency. My original line of credit was {$300.00}. 

On XX/XX/XXXX, my area was hit with hurricane Florence then later Michael, and declared a disaster area. This storm left me financially depleted, to which late payments were incurred. This is the second time I had requested reinvestigation with the agency, and the account has not been verified therefore it should be deleted. 
Attached are several labeled documents to support my claims. 

Thank you in advance for your assistance in this matter. 
Respectfully, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent a certified letter to this company- to the address listed on my credit report for this company. The company did not provide any back up documentation.I called the company- also the number listed on my credit report. They were unwilling to remove the debt from my credit report even though they stated they did not have all the documentation they needed to legally prove the debt was mine and collect the debt. I filed a complaint on Consumer Financial Protection. The company stated they were sending all the info requested. I have yet to receive the info requested from back on XX/XX/2022. I believe the company is lying about their address information, as well as, is not sending the appropriate documentation to collect the debt, yet isnt removing this from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2017 I received a letter that the care credit account was paid and settled in full. They are showing a balance on my credit report and showing charge off in comments. In comments should be settled and paid in full as all my other reports I settled on shows. Unfair reporting. I was also promised a pay and settle to delete from credit report which was also not done. Care credit was the original owner then sold to synchrony bank I believe then winded up in the hands of XXXX XXXXXXXX XXXX, XXXX which I settled and paid with portfolio recovery on XX/XX/2017. Please correct credit report Ive been fighting this since last year.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute on two collections accounts from the same company listed on my Exp. credit report : XXXX XXXX Acct # XXXX & # XXXX with Experian. The first dispute process came back as a verified medical collections. 

I sent out direct dispute letter and followed the process that Experian required for the next step. The sent out a letter XXXX  to the address listed on the Experian Credit Report. The items came back undelivered to the address listed. I was unable to validate the debt with a direct dispute with XXXX XXXX. I then submitted follow up dispute to Experian and showed proof of all documents XXXX  and letters and request Experian to DELETE the tradeline. Experian closed the new dispute and said it was verified/updated. These items do not belong to me and I have no information. Experian is reporting inaccurate information and continues to report it in violation of FCRA.
Product: Checking or savings account

I used an atm that errored and said I received the cash. I tried a lesser transaction on another card and got that cash. My account was charged for the larger amount and it was disputed and a temporary credit was issued. Over 1 month later the bank said the other company provided documentation and the credits will be reversed. 

I can't do anything because it is my word vs the casino XXXX XXXX. I have a friend that was there and witnessed the entire thing.
Product: Credit card or prepaid card

My credit line with BOA credit card was drastically and unjustly lowered from approx. $ 33k to {$1200.00}.

I have been with BOA for approx. 20+ years, always with an A rating always paid on time. 
I have had a long relationship, various business, personal, and merchant accounts. 
In XXXX I refinanced my home to an FHA % 3.27, and paid off 3/4 of the balances on credit cards, LOC, and cashed out $ XXXX, still retaining more than a 2.1 loan to value. 
I completely paid off this BOA account, wanted to retain this account to use, when and if needed, due to the low % rate, and relied on having this credit available. And due to my credit history and long relationship, I was receiving a low 6.99 % rate on this account, with an A rating. 
In XXXX my Refi FHA Mortgage Loan was $ XXXX, appraised {$1.00}, comp value {$2.00}. So my financial and credit situation improved with these transactions. In addition, my credit was good enough to have qualified for an FHA loan. 
Directly after pay off, in XXXX, a weeks after refi, BOA drastically lowered my credit limit from {$33000.00}, to {$1200.00}, stating inaccurate, unfair, and false information. As my financial situation IMPROVED with my refi lowering my % on mortgage , % on credit, and pay offs, and my monthly overhead was lowered by more than 35 %. 
Therefore, I believe that BOA committed ANOTHER act of fraud, and MORE unfair business practices.
Product: Credit card

I received an email notification from Citicards customer service XX/XX/XXXX  thanking me for contacting them to update my travel plans and changing my secret passcode. I did not contact CitiCards customer service on XX/XX/ and make these changes so I called CitiCards customer service and told them I had made no travel arrangements, verified my address, and was told a replacement card was sent to an address in XXXX, FL. I let the customer service agent know I did not make this request and no attempt was made to intercept the replacement card request or any additional measures taken to secure my account by CitiCards at this contact. 

I called Citicard customer service on XX/XX/ because I received email notification the replacement card I did not request had been activated. The CitiCard customer service agent I spoke to talked very fast and over me, not accepting any responsibility for the fraudulent activity that occurred on my CitiCard credit card account. The customer service agent on XX/XX/ said she would transfer me to a supervisor because she could not help me resolve my concern and told me a supervisor would call me back in 24 hours. I received no call and no attempt was made to secure my account or card that had been fraudulently mailed to an address in XXXX, FL canceled shut down. 

I logged onto my citibankonline account this AM and noticed {$150.00} charge on the replacement card that fraudulently activated so I called CitiBanks Fraud Dept and was told a replacement card was mailed XXXX to my address and the address in XXXX, FL ( the address I do not live at ). I spoke with a fraud prevention specialist and was told the account ending in XXXX had been shut down a new card was being mailed to me in 5-7 business days. 

I have no confidence in CitiBanks Fraud dept to protect my information or make sure my information is safe. This has cause an undue amount of time and frustration on the phone with a bank credit card company that does not value its customers or care about securing their information.
Product: Debt collection

On XX/XX/XXXX  I mailed proof that I paid XXXX XXXX  violations that I owed them. I mailed it to PAM ( Professional Account Management LLC ) at XXXX XXXX XXXX, XXXX NY. I then gave them a month to investigate and called PAM on XX/XX/. They said that they received my proof ( receipts that I paid XXXX, who refused to let PAM know that I paid them ), and PAM stated XXXX has a 30 day grace period : since they received the notice on XX/XX/XXXX  they have until XX/XX/XXXX  to respond. The PAM representative said to call back on XX/XX/XXXX  and if it is not resolved to speak to a supervisor. I called on XX/XX/XXXX  and was told that all supervisors are in a meeting. To this date I have been calling to speak to supervisors and I keep being told that one will call me back and no one has. I keep telling them that this is urgent because its preventing me from renewing my NY registrationXXXX I work for XXXX XXXX and have kids that I drop off and pick up from school. so it is imperative that this is resolved. It is not fair that I paid XXXX and theyre not responding. Once this is cleared I can renew my registration but no one is making an effort to rectify this : Since no one is contacting me from PAM Im reaching out to XXXX  with the hopes that this can be resolved ASAP. This is for ticket # XXXX
Product: Mortgage

On XX/XX/2015 I received Notice of Acceleration and Forclosure from XXXX XXXX, XXXX on behalf of Select Portfolio Servicing.On XX/XX/2015 I responded with A Validation of Debt letter.A notarized copy of the Validation of Debt letter was faxed to XXXX XXXX, XXXX, XXXX number XXXX certified copy was also mailed to SPS and XXXX XXXX XXXX XXXX. On XXXX XXXX i received a certified letter from XXXX XXXX, XXXX stating that no documentation in regards to my request would be provided. Because I did not respond within the FDCPA 30 day time frame. This is clearly untrue. I have attached the Notice of Sale dated XX/XX/2015, Notarized Notice Of Validation of Debt dated XX/XX/2015.which was faxed and sent certified mail to XXXX XXXX , XXXX and Select Portfolio Servicing. 
FDCPA states : ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not convinced that you have suitably fulfilled the policies of the Fair Credit Reporting Act in doing your evaluation. I have to pursue my efforts to resolve this matter which required intentness to my personal credit report. I am frustrated because the inaccurate item is still reported on my personal credit report which is not clearly stated as the accuracy and verification of the information. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information or delete the items from my file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please correct the account : XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. Experian is required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting item as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update it immediately in my report : XXXX & XXXX XXXX XXXXXXXX Date Opened XX/XX/1997 Balance {$99000.00}
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and found illegally reporting inaccurate information about me. The following alleged accounts is listed as collection with PAST DUE balance of : XXXX XXXX {$7900.00} XXXX XXXX XXXX {$1900.00} XXXX XXXX XXXX {$710.00} XXXX XXXX XXXX {$580.00} This a violation of the FCRA and also in violation of requisite Metro 2 Compliance reporting standards. 

According to the Fair Credit Reporting Act I have the right to a fair and accurate credit report, therefore any information that is not true, accurate and verifiable is required to be removed. 


With Great Sincerity, XXXX XXXX