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

THIS CONSUMER FINANCIAL PROTECTION BUREAU ( " CFPB '' ) COMPLAINT ( S ) IS ( ARE ) RELATED TO MY PREVIOUSLY FILED CFPB COMPLAINT ( S ) AGAINST YOUR SO-CALLED, XXXX CREDIT REPORTING AGENCY/CORPORATION THAT IS ( ARE ) DOCKETED AT XXXX, ET. AL. I HAD THIS BANK OF AMERICA ( " BOA '' ) CREDIT CARD SINCE THE YEAR OF XXXX, AND I HAD NEVER EVER BEEN LATE WITH A PAYMENT, AND/OR EVEN EVER MISSED A PAYMENT, AND ETCETERAXXXX IT WAS NOT UNTIL NEGATIVE CREDIT INFORMATION PURPORTEDLY APPEARED ON MY SO-CALLED, XXXX CREDIT REPORT WAS WHEN YOUR SO-CALLED BANK OF AMERICA HAD DECIDED TO TOTALLY ILLEGALLY AND TOTALLY UNLAWFULLY AND TOTALLY FRAUDULENTLY AND TOTALLY WRONGFULLY, AND ETCETERA,  CLOSED MY BOA CREDIT CARD ACCOUNT WITH ITS HIGH CREDIT LIMIT. YOUR BOA HAD ALSO TOTALLY ILLEGALLY AND TOTALLY UNLAWFULLY AND TOTALLY FRAUDULENTLY AND TOTALLY WRONGFULLY, AND ETCETERA, LISTED MY MINOR DAUGHTER, " XXXX '', AS A CO-OWNER/CO-BORROWER OF MY BANK OF AMERICA CREDIT CARD ACCOUNT ( S ). EVEN AFTER I HAD REPEATEDLY STATED TO YOUR BOA, THAT MY DAUGHTER, " XXXX '', WAS MINOR, THEREFORE, COULD NOT BE LEGALLY RESPONSIBLE AND/OR LEGALLY ASSOCIATED WITH ANY CONSUMER CREDIT CARD ACCOUNTS, ET. AL. I HAD ALSO STATED TO YOUR SO-CALLED, BOA, THAT THERE WAS/IS ONLY ONE PERSON/INDIVIDUAL THAT WAS/IS EVER ASSOCIATED WITH SAID BOA CREDIT CARD ACCOUNT, WHICH WAS/IS, ME, XXXX XXXX XXXX XXXX!!!!!!!!.
Product: Credit reporting, credit repair services, or other personal consumer reports

IN accordance with the fair credit reporting act, the list of account below has violated my federally protected consumer right to privacy and confidentiality under 15 u.s.c 1681 Account Name... XXXX XXXXXXXX XXXXk Account NumberXXXX XXXX 
Account NameXXXX XXXX XXXX XXXX XXXXXXXX Account NumberXXXX XXXX Account Name XXXX XXXX XXXX XXXX Account NumberXXXX XXXXXXXX Account NameXXXX XXXX XXXX XXXX Account Number.. XXXX Account Name XXXX XXXXXXXX XXXX XXXX in Account number... XXXX Account Name XXXX XXXX XXXX XXXX XXXX Account NumberXXXX XXXX XXXXXXXX Account Name XXXX XXXX  untitled Account NumberXXXX XXXX XXXX XXXX XXXXXXXXXXXX Has violated my rights. 
15 u.s.c. 1681 section 602 A. State, I have the right to privacy.

15 u.s.c. 1681 section 604 A. Section 2 : It also state a consumer reporting agency can not furnish an account without my written instructions..

15 u.s.c. 1681 C. ( A ) ( 5 ) section state no consumer reporting agency may make any consumer report containing any of the following item of information any other adverse item of information/ other than records of conviction of a crimes antedates the report by more than seven years.

15 u.s.c 1681 S. -2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person know or has reasonable cause to believe that the information is inaccurate.

There is a need to insure that consumer reporting agencies exercise their grave responsibilities, with fairness, Impartiality, and respect for the consumer right to privacy..
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : XXXX XXXX XXXX XXXX has been verified that the account they are reporting under my name is inaccurate. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. Additionally, please provide the name, address, and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. If this cant be provided, please remove this account off my credit report. I would greatly appreciate it. Any automated response, or e-Oscar verification is unacceptable. I am requesting a re-investigation AND your method of verification. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your noncompliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. Under 15 usc 1681b- permissible purpose of consumer reports ( a ) in general, subject to subjection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances & no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates. Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my first 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 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, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX, MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXXXXXX XXXX  XXXX, MI XXXX XXXX XXXX Balance : {$880.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$450.00} XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$750.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$690.00} XXXX XXXX Balance : {$690.00} XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I been send money with these company the name is Remilty but they refuse to refund my money im asking for the refund because i didnot send the money and i think is not rigth that i loose my money they say they can refund the money because the money they send the money and they pickup the money but is not my fault i want my money back i ask these person if he resive the money and he say he never resive the money and all i want my money back the total is XXXX
Product: Checking or savings account

I am devastated. I have been a victim of identity Thief and I am also a victim of human XXXX XXXX. All of my information and accounts have been compromised. After getting ahold of my financial records, I did disputes on fraud charges that was on my account with my bank. My bank has giving me a hard time. They exercised there rights to close my account down. No reason was provided to why they closed my account down. My account is not in negative and Ive been a member for over 4 years. They close my banking needs but allowed me to keep my insurance policies I have with them! My funds are inside my checking and savings and I will not have any access to anything. Usaa stated that the closure process take 60 days. A check wont be mailed out until after XX/XX/XXXX. This is putting me in a financial hardship and causing me to be behind on my bills. I was not notified about the account closure until I tryed to use my card, I called in because my card wasn't working. I was then told about the account closure. When I asked the bank why did they close my account they stated that they didnt have to give a reason and its in the non disclosure agreement that I signed when I first became a member. I asked for proof of that agreement, nothing has yet been sent. I also asked several times for documentation of proof for these transactions being fraudulent and non fraudulent. Still no proof. They only sent me a list of the transactions. Usaa is picking and choosing what transactions to make permanent and what transactions to reverse. All of the smaller transactions was made permanent within 2-3 days of investigating, while the larger transactions was reversed. These transactions made on the same account and same time frame. They are all attached to the same case. I attached the list of transactions below!!
Product: Debt collection

I switched car insurance companies om XX/XX/XXXX. They were told by XXXX that I was no longer a customer of XXXX. I received a " Final Bill '' letter in the mail dated XX/XX/XXXX stating I owed {$1200.00}. On the same day I received another " Final Bill '' letter showing my balance as {$0.00}. I spoke w/an agent on the phone & he agreed my balance is {$0.00}. 

Not only have they reported me to collections, but they also contacted the XXXX  XXXX stating that I was not insured by anyone & are attempting to jeopardizing my drivers license/fines & revocation of my drivers license. 
This is 100 % FALSE. I switched to XXXX on XX/XX/XXXX, so there was NO XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

The credit agency refused to process my dispute after sending them the requested information that I am also adding to this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, I tried to obtain in-store credit line ( from American First Finance ) to purchase new couches at XXXX XXXX XXXX, XXXX, WA. I was denied credit. The reason in the letter they sent me, later, was because " poor credit performance ''. It also stated the key factors that adversely affected my credit score ( which they labeled as XXXX ) was " Insufficient credit history, a combination of address withe other identity elements is generally associated with risk consumer associated withe address changes, hih number of recent applications using address. '' This information about my credit was obtained from XXXX XXXX ( an XXXX company ), XXXX XXXX NV. I reached out to XXXX   to get the report they sent to AFF. After completing the appropriate paperwork and submitting it with the proper ID, what i got shows no credit history at all. I spoke with a gentleman ( who was extremely nice and helpful at XXXX ) and he mentioned that my lack of information might be due to the fact that I don't use short term credit. 

I have had credit in some form since I was 19 or 20 years old. After seeing this lack of information from XXXX, XXXX, I obtained 2 of my 3 free credit reports for the year from XXXX and XXXX. I frequently monitor my credit on XXXX XXXX as well. My credit reports show all of my accounts in good standing. 

I'm beyond frustrated with how I was treated the 2 times I tried to call AFF with their customer service agents being rude and condescending. I understand that because i was applying for credit, it was a hard inquiry on my credit report. However, I am responsible with my spending and line of credit I have open, I would've not applied for credit knowing I would be denied ( this has never happened to me before ). I applied knowing companies frequently want to give me loans since I am a good steward of my money and pay my bills on time and have a good credit history. Because of this hard inquiry, my credit score dropped over 25 points.
Product: Debt collection

Hello, I lived in a property that had such a poor reputation by the people who lived there it had to be renamed from : XXXX to XXXX in XXXX, XXXX. The properties management company was out of state ( XXXX apartments ) and a rental office was on site. The XXXX did not communicate well, and after a man was shot and killed in the garage of the complex I decided not to resign my lease. My relationship with the office was poor already because I called homelinemn on them because none of the properties out door security parking lot lights were functioning and because of the shooting I felt incredibly unsafe. I made a verbal agreement with the office manager in the leasing office on property who told me that was fine and to write out a letter and bring it back to him when I had time. I made XXXX attempts to bring it in, once he was not in, and once the office leasing agents asked me to come back later because they were preparing for their holiday party. I obliged and I brought it in the next week. 

When we moved out we assumed that some of our XXXX XXXX dollar deposit would go towards the two years of wear and tear of living there, however once we left we received XXXX invoices, the first had less charges then the second which also now said we owed a months rent for not getting our letter to leave in on time. The charges owed took our deposit and demanded an additional XXXX. This invoiced sited things like the black mold on the window seals and toilet, photo charges for them to take pictures of that mold, dog fesses they found outside they said was my dogs, new closet doors because the doors they replaced while we were there did n't match, and a late charge of XXXX month 's rent from the property management for not submitting my letter to leave in time, something I was verbally told by the leasing office was fine, and was attempted twice. 

We went to the XXXX XXXX XXXX XXXX XXXX ( who should have a file on this still ) and spoke with someone who said they could have helped with this had we still been living there but that because we moved and the bill came after they could not. 

Because we refused to pay they forwarded the charges to collections and now I am called at all hours of the day from debt collectors and my parent get harassing mail sent to their home address in XXXX. Please help me stop this. This was a wrongful charge, I believe they sent this to collections and did n't take us to small claims court because they knew they would lose. And this XXXX thing is making my credit score suffer. I need your help in removing this or at the very least asking them to stop harassing my family. I have copies of the charges and the letter they send my parents monthly. Please let me know if you would like these documents. 

Thank you,
Product: Bank account or service

In XXXX, a withdrawal was debited from my checking account each month by a name unknown to me. The withdrawals were suspicious because the amount of money and the dates were different each month. After several months of this I called my bank to tell them I did n't recognize these charges. I was told that I would have to contact the payee in order to stop it because I was the XXXX that authorized it. I could n't find any contact information on the company and did n't know what to do. I eventually filed a dispute and had to close that account in order to stop the debits. During that year this fraudulent company had taken a total of {$630.00} from my account. The bank reimbursed me for XXXX of those debits as well a XXXX notices admitting that it was the banks error. They would only reimburse me {$110.00} of the {$630.00} that was taken. After opening the new checking account I began accruing Over Draft Fees. It became like clockwork each month XXXX day before my retirement check of a mere {$480.00} would be eaten up by these fees. During XXXX XXXX - XXXX XXXX, I was charged {$1600.00} for Overdraft and Insufficient Funds. Since then, I have gotten so far behind that it 's impossible for me to pay all of these fees and catch up. They have charged me at least another {$3000.00} in Overdraft fees since XXXX XXXX. I am attaching a letter that I had my attorney write to them and the documents with proof. 
It is because of their error which they admit to, that caused the charges in the first place. Please help me get my money back!
Product: Debt collection

I TALKED WITH A REPRESENTIVE AND ASK CAN THEY SEND ME A COPY OF THIS CONTRACT OR INFORMATION ON ME OPENING UP THIS ACCOUNT WITH THEM OR WHAT ADDRESS THIS ACOOUNT WAS OPENED UP I DID NOT GET A REPONSE FROM THEM
Product: Credit reporting or other personal consumer reports

After getting reports from them and disputing asking where they got the info and how they verified it. It took over 2 months to reply with a list of vendors. Such as LexisNexis, XXXX etc. I sent request to LN to for reports. They claim then disputed with them as to how they verified info. After 2 months they claimed from the court. Which is a lie as I have a letter from the court that they never provide info to companies like LN or XXXX. So I disputed with XXXX and LN to remove entries. They still have not removed them. After 3 months and no other word from them.
Product: Checking or savings account

Someone got a hold of my XXXX XXXX card with moneylion and charged more than {$1000.00} all in one day. Moneylion claims that because he used my PIN, the charges can't be refunded.
Product: Credit reporting or other personal consumer reports

I've sent letters to all 3 of the credit bureaus as well as the companies individually regarding inaccuracy reporting on my credit report of Inquiries I did not authorize and in accordance FCRA I'd like the inquires to be removed immediately. The list of inquires amongst the 3 bureaus as listed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX and Transunion should not be reporting that I am ( 30 ) days late on the XXXX XXXX partial account number XXXX. Transunion should not be reporting that I am ( 120 ) days late on the XXXX XXXX partial account number XXXX. ( Please see pages attached from my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a {$0.00} balance. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted XXXX XXXX and XXXX XXXX, as well as the bureaus to fix this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to get a annual credit report an credit score
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 1st 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, M XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX, NJ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX : - XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance XXXX {$460.00} XXXX XXXX XXXX ( XXXX Creditor : XXXX XXXX XXXX ) XXXX Balance : - XXXX XXXX XXXX ( Original Creditor : XXXX  ) XXXX Balance : {$540.00} XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$530.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$550.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1700.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$800.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX. ) XXXX Balance : {$660.00} XXXX XXXX XXXX XXXX Balance : {$9300.00} XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX I XX/XX/XXXX XXXX  XX/XX/XXXX
Product: Consumer Loan

Last month, approx XXXX/XXXX/XXXX, I received a call from LTD Financial Services regarding a car loan from XXXX XXXX XXXX XXXX, which I have not paid on since XXXX. However, they claimed that I made a payment on this account back in XXXX XXXX of {$10.00}, which is ridiculous. Why would I pay {$10.00} on a $ 6k loan? Not to mention, I was laid off in XXXX XXXX and did n't have any money to pay anyone. I thought this account had fallen off of my credit because it has not been on my credit report for many years. Now, they are sending me letters and calling me to pay a {$6400.00} debt. Someone falsely made a payment on this account, which started the collection and timeline again and I am not acknowledging a debt that is almost 10 yrs old.
Product: Debt collection

I 've been going to this dentist, here in XXXX XXXX, CA for a couple of years. In XXXX of this year, I received a collection notice from them. I called questioning the letter, since I had just had an appointment and was asked to pay {$60.00} ( my out of pocket expense ). When I got the collection notice a few weeks later, I called and told them about this collection letter and was told that the person that handled billing was not in, so I left a message asking for a return phone call. I got a call from someone and I explained the situation and she looked at my file and she told me that I had no balance. I was then called to confirm an appointment for XXXX. If I had an account in collections, then why did they call me to confirm an appointment? I canceled the appointment due to this unresolved matter. Any company you owe to, would not do business with you until you pay what is owed. My concern is that I was first told I had no balance ( after my out of pocket expense ), and then I am in collection, without an itemized statement.
Product: Credit card

In XX/XX/2023, I opened up a XXXX 's credit card through Synchrony Bank. The account ends in XXXX. It was used to purchase a refrigerator & some other small items. Each month the account payment was made on time. The account balance was never above the credit limit. 
Earlier this year, a letter was sent without notice or warning the account was closed. I called the company to discuss this. I was told too bad as it was based upon information received from a third party. They refused to provide specific information. There was no way to appeal the decision. 
I believe this to be dishonest, deceptive and unethical. If I was a poor credit risk in XX/XX/2023, they never should have approved the account. I should have been notified prior to the account review. 
I would like my account privileges restored.