23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX || Account number : XXXX - XXXX XXXX || Account number : XXXX - XXXX  XXXX || Account number : XXXX - XXXX XXXX XXXX || Account number : XXXX
Product: Credit card

I am writing to file a complaint against Bank of America because they made a arbitrary and unjustified decision to reduce my credit limit with no basis in fact for the change. I sent a letter to Bank of America on XX/XX/XXXX. asking them to restore my credit limit or provide additional information explaining the decision. Because of the potential for this change to have a substantially negative impact on my access to credit I am not willing to wait for Bank of America to respond. 

I received a letter dated XX/XX/year>, that lists three reasons that Bank of America elected to decrease my credit limit : Current or past delinquency on one or more of your accounts with us and/or our affiliates Recent trend in balance on one or more of your accounts, with us and our affiliates, compared to past balance Strength of payment on one or more of your accounts with us and/or our affiliates. 

As the letter advised, I immediately reviewed my credit report from XXXX XXXX. Based on the report as of XX/XX/year>, no evidence supports any reasons for reducing my credit limit. There is no indication of any late payments on the credit report, no irregular or rapid increase or decrease in my balance owed, and my payments have been consistent and automatic for many years. When my promotional rate on a portion of my balance recently expired, I ensured that my automated payments increased to cover the new minimums. 

The only recent change that occurred in my relationship with Bank of America or their affiliates was the expiration of my promotional balance transfer rate on a portion of my balance. The expiry is likely the real reason my credit limit decreased. There is no evidence on my credit report supporting the reasons given. As mentioned above, I needed to adjust my payments, and I did so before the XX/XX/XXXX due date, which was more than XXXX days after the date of the XX/XX/XXXX letter informing me of the decision to lower my credit limit. 

Because the decision to lower my credit limit will harm my ability to obtain credit and be used as a basis to either increase my interest rate or further decrease my credit limit. The justifications listed in the XX/XX/XXXX letter do not stand up to even the most cursory inspection of my credit report from XXXX XXXX or any of the other XXXX credit reporting agencies. 

This decision to reduce my credit limit is arbitrary and an attempt to manipulate my financial reputation. At worst, it is a cynical attempt to undo the promotional balance transfer rates Bank of America has previously offered. 

I have attached my most current credit reports and the letter I sent to Bank of America.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Transunion after I purchased a credit report from XXXX on XX/XX/2022. After receiving a copy of my report, I saw these UNVERIFIABLE accounts on my personal profile, I noticed that there were Accounts : XXXX XXXX XXXX  XXXX, XXXX XXXX  XXXX XXXX on my credit report which are UNKNOWN to me. This is disappointing because I have been paying XXXX  to get a report every month and I have been disputing fraud accounts on my credit report all this time. One of the staff told me to visit https : //www.ftc.gov/ and Report the Fraudulent accounts and have them BLOCKED OR REMOVED from my credit file. Ive attached a copy of the identity theft report ( FTC report # : XXXX ), and guess what I found? Per Fair Credit Reporting Act Section 605B ( a ) the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

A copy of my Utility Bill, drivers license, and Social Security Number are all included in this complaint. I want you to know that I am telling the truth and by Transunion not blocking these accounts is inadvertently resulting in me being extorted.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX account # XXXX, XXXX XXXX XXXX account # XXXXXXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX and XXXX XXXX XXXX ACCOUNT # 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.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX I am reporting a fraudulent inquiry found in my report
Product: Bank account or service

I opened up a PNC checking account that had a XXXX bonus promotion if certain criteria was met.
XXXX with Performance Select: Earn a XXXX bonus when you do the following:
    Open a new XXXX with Performance Select
    Establish a qualifying direct deposit of XXXX to your new account
    Make at least one payment with PNC Online Bill Pay
On XX/XX/XXXX I made a direct deposit of XXXX, on XX/XX/XXXX XXXX and XX/XX/XXXX XXXX which was followed by a XX/XX/XXXX XXXX bill pay.  I waited the prescribed amount of time and proceeded to call PNC customer service and inquire about my XXXX.  The customer service representative told me I did not qualify for the bonus.  I told them I wanted to close my account and the csr told me I would get charged a fee for early account closure for not being open 6 months.  I then waited until XX/XX/XXXX and proceeded to close my account.  I'm not happy that I did what other people did to receive the bonus which is the reason I want to file a complaint.
Product: Debt collection

This account was first stated several years ago to be opened back in XXXX and this was removed from my Credit Reports due to Identity Theft and now XXXX years later has sold information to a collection agency and is saying the account was opened in XXXX. XXXX is using fraudulent tactics in order to collect from a debt that is not valid. This collection agency also has not reach out to me by phone, email or mail not XXXX single time and have reported this to all 3 Credit Agencies.
Product: Debt collection

My vehicle was repossessed 2021. I was not notified about it until 4 months after the repo occurred.
Product: Payday loan, title loan, or personal loan

I took out a loan with Greensky in XX/XX/2019 in the amount of {$56000.00} for a construction project. After 29 months of consistent payments the balance is only down to {$46000.00}. My payments each month are {$880.00}. The merchant that originally connected me with Greensky told me the interest rate was 9.99 %, but 50 % or more of my payments are going toward interest and not principal. According to their site, I have now paid {$11000.00} in interest and only {$9700.00} in principal. Clearly that is not 9.99 %. If I had a clear understanding of how this loan was going to work, there is no way I would have agreed to this. I was mislead by Greensky as well as the merchent that connected me to them.
Product: Checking or savings account

I have had online statements with PNC for months. This XXXX they started a new program called Virtual Wallet and started sending paper statements which I did not opt-in to or ask for and started charging fees for doing so. When asked about it, they refuse to make it right. I have attached my statement showing I was not charged this fee last month in XXXX. This is a new change and a new charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, Convergent 1 ) XXXX XXXX - Account # XXXX******** 2 ) XXXX XXXX XXXX - Account Number XXXX 3 ) XXXX XXXX  - Account Number-XXXX******** 4 ) XXXX XXXX - Account Number- XXXX 5 ) XXXX  XXXX XXXX Account Number- XXXX 6 ) XXXX XXXX XXXX  XXXX - Account Number- XXXX 7 ) XXXX-Card Service -Account Number- XXXX 8 ) XXXX XXXX - Account Number - XXXX 9 ) XXXX XXXX, XXXX - Account Number - XXXX 10 ) XXXX XXXX - Account Number - XXXX 11 ) XXXX  XXXX - Account Number - XXXX 12 XXXX XXXX XXXX Account Number XXXX 13 ) XXXX  XXXX - Account Number XXXX 14 ) XXXX  - Account Number- XXXX has violated my rights. 

15 U.S.C 1681 section 602 A states I have the right to privacy.

15 U.S.C.1861 Section 604 A Section 2 : It states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

: This CFPB complaint has been filed to request under FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agency , block and remove 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. I am very much in disbelief of what's happening with my consumer report, the listed accounts are listed below.

This fraudulent, inaccurate, and false information consists of a few Personal credit card accounts. 
ACCOUNT NAME : XXXX ACCOUNT NUMBER : XXXX DATE OPENED : XXXX ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER : XXXX DATE OPENED : XXXX The fraudulent accounts have led to multiple erroneous hard inquiries and collections on my FICO credit report, causing me significant distress. I request the immediate removal of these fraudulent entries from all of my credit reports and demand that all related collection activities cease, in accordance with my rights under the FCRA and FDCPA laws. Attached is a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) from the US Federal Trade Commission, verifying that these accounts, collections, and inquiries are the result of identity theft and fraud.
Product: Money transfer, virtual currency, or money service

Commencing on or about XX/XX/2021, I fell victim to a multilayered scam operation orchestrated by XXXX ( the Company ) which involved me making deposits for a total amount of XXXX USD from my XXXX XXXXXXXX account to Wells Fargo at the instructions of the scammers.
Product: Checking or savings account

I had set up a checking account with Suntrust back when my mortgage was through Suntrust. After refinancing with a different bank, I withdrew the remaining funds in my Suntrust checking account back to my main account with XXXX XXXX. Unbeknownst to me, Suntrust was using a third party payment processor that tacked on a {$3.00} fee to my withdrawal, thus bringing me to - {$3.00}. Suntrust did nothing to announce this fee. Moreover, it is beyond me why they need a third party vendor when they are a bank. I couldn't put more money back in to my account without hitting the minimum transfer of {$10.00}. And if I wanted to close the account, which I absolutely do at this point, I would again have to eat a {$3.00} fee from this hidden vendor. I called their representative, they said they would have to wait for the overdraft fee to process in order to waive anything. So I waited and called today. I've been given the runaround by their representatives for almost an hour. I'm now up to a {$42.00} fee to access my money. This is absurd and predatory.
Product: Student loan

According to Navients data I obtained, since XXXX ( until today ) all my payments are being processed as interest only. Before this year, just less of {$200.00} was going to principal. This is about 4 ish years of principal payments not accounted for. This means Im paying MORE interest. Especially since interest rates have dramatically gone up since XXXX. I currently have a variable rate loan with Navient. 

I opened this loan in XXXX through XXXX XXXX. Since then and based off of Navients data I estimate that I paid over $ XXXX on this original $ XXXX loan. Today they claim I still owe $ XXXX and my loan will allegedly be paid off in XXXX. How can that be when all the money since XXXX is going towards interest only?
Product: Credit card

It is to my understanding that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, along with Bank of America Corporation, are committing violations under the Securities Act of 1933, the Securities Exchange Act of 1934, the Federal Reserve Act, and the Trust Indenture Act of 1939. An application was submitted for a Bank of America XXXX XXXX card and I have yet to receive consideration for the security interest I provided them, once the application ( security collateral ) was submitted. The security provided to them is a U.S. Government Obligation and I fully expect the line of credit to be extended. Furthermore, pursuant to 18 USC 8, The term obligation or other security of the United States includes all bonds, certificates of indebtedness, national bank currency , Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States, stamps and other representatives of value, of whatever denomination, issued under any Act of Congress, and canceled United States stamps. 

If you refer to the Indenture both of these banks have together, they discuss in multiple places these obligations. The term U.S. Government Obligations shall mean securities that are ( a ) direct obligations of the United States of America for the payment of which its full faith and credit is pledged or ( b ) obligations of a Person controlled or supervised by and acting as an agency or instrumentality of the United States of America the payment of which is unconditionally guaranteed as a full faith and credit obligation by the United States of America, which, in either case, are not callable or redeemable at the option of the issuer thereof, and shall also include a depository receipt issued by a bank ( as defined in Section 3 ( a ) ( 2 ) of the Securities Act ) as custodian with respect to any such U.S. Government Obligation or a specific payment of principal of or interest on any such U.S. Government Obligation held by such custodian for the account of the holder of such depository receipt, provided that ( except as required by law ) such custodian is not authorized to make any deduction from the amount payable to the holder of such depository receipt from any amount received by the custodian in respect of the U.S. Government Obligation or the specific payment of principal of or interest on the U.S. Government Obligation evidenced by such depository receipt.

In addition, I have a right to credit under the Equal Credit Opportunity Act and I expect both of these companies to comply with all aforesaid mention laws.
Product: Debt or credit management

I sent certified letter to these company and have not gotten any respond or information. It has been a little over a week.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report.

Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File XXXX XXXX  ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.

These are the accounts Im deeming inaccurate XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear sir or Madam : I am writing to complaint about EXPERIAN CONSUMER FRAUD ASSISTANCE, XXXX XXXX XXXXXXXX, XXXX Texas. XXXX. 

I disputed items that were fraudulent on my credit report. I sent notarized letters with evidence and documentation that these items are not mine. And they have not remove them from my credit report. 

The last report from Experian was received on XX/XX/2018. Report number XXXX.
Product: Checking or savings account

I opened the account XXXX because i needed an active checking account to receive my direct deposit, i had heard such good things about Wells Fargo. I was under the impression that after i got my first direct deposit i would be awarded a XXXX bonus. I kept account balance in good standing and open for more than 90 days and did not receive any bonus.
Product: Money transfer, virtual currency, or money service

When transferring money from my checking account ( XXXX ) to Venmo using their mobile app, Venmo had given me an error and said the bank information was not available. When I tried again on my computer a few hours later, I was able to use my checkings account to send/receive money, but then my account became Suspended due to " Your activity is in violation of the Venmo Content Standard. '' Now I am unable to transfer the money from the Venmo balance to my bank, leaving the money stuck in a frozen account. 
I've spoken to their customer support and escalation teams, but they are not providing me a reason for my account being frozen, nor are they providing any resolutions for me. 

Checking online for help, I saw that Venmo doesn't unfreeze some of these accounts until 6-18 months later. However, I do not want that money to be stuck inside the account just because of their system not working properly.
Product: Debt collection

ResurgentXXXX XXXXXXXX refuses to send requested notice of ownership of debt, original credit application. I have no idea when this account originated. They did send a statement stating the credit limit was {$600.00} but that {$930.00} is required to settle.
Product: Debt collection

Ww had an ordeal where the property manager damaged the apartment we left even though we took pictures and etc beforehand tried to collect XXXX dollars for this damage she created with her employee, she denied all accusations and even stole my sons xbox we contacted the credit departments and told them what happened and it was suppose to be removed and so it wasn't on my credit list now fair collections and out has bought it and is trying to claim its their debt after telling us it was purchased by them ... they also called when my wife 2 be was XXXX XXXX XXXX with me due to an XXXX  and threatened us and then told me well this is more important than your wife life so you need to stfu and listen ......
Product: Payday loan, title loan, personal loan, or advance loan

They are doing false advertisement they have this option to where you can get up to {$500.00} early if you have two direct deposits a active time card which I qualify for both because I have already done both and they are refusing to give it to me that is false advertisement because they keep saying wait and they are just coming up with every excuse they can
Product: Debt collection

This company keeps coming up on my credit reports as a collection and I have no clue why. I don't have any accounts with these people as I have not heard of them. It says that I owe {$1000.00} and I don't know why. If It is one that XXXX XXXX XXXX XXXX has I am not sure bc it is not giving me a account number or anything.
Product: Payday loan, title loan, personal loan, or advance loan

My original XXXX XXXX XXXX savings account was with XXXX. I received the notice that it was being sold to SST. I continued to pay SST, however after learning about their practices I attempted to close my account. I also have a hardship in which I asked SST to skip payments. I requested that my loan be closed and my locked savings in the amount of {$2000.00} be used to pay off the remaining balance of {$600.00}, leaving me with {$1400.00} of savings being transferred to my bank account. They told me that I could not do that and that I needed to pay the loan in full or be late by 16 days and demonstrate hardship and wait another 45 days for MY MONEY. I told them that my ORIGINAL CONTRACT which legally is not supposed to be changed said that, for those that have made at least XXXX savings addition, the provision states that if the balance is less then or matches the sum in the locked savings account, the account may be closed. They said that it wasnt their process. I DID NOT sign anything with SST to change my original loan terms and they are legally not allowed to change or use their process on these accounts as legally my original loan terms could not change unless it was both signed in writing by myself and the company. The woman told me the only option is to go 16 days late and then see if I can apply for hardship. Again, THESE ARE NOT MY LOAN TERMS. I am requesting that my account my closed and my locked savings be used to cover the amount of {$600.00} and the {$1400.00} be transferred to MY BANK ACCOUNT- AS STATED IN MY ORIGINAL TERMS. 

My terms also stated that I would be able to have my XXXX XXXX XXXX  savings transferred to my bank account immediately and then I was told that SST will take 45 days to transfer which is against my original loan terms.
Product: Credit reporting or other personal consumer reports

Recently while reviewing my credit report, I notice that I've been a victim of identity theft and found numerous credit inquiries I have no knowledge of. Here is a list of inquiries that I found. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXXXXXX XXXX  ( Finance ) XX/XX/XXXX. 
The hard inquiries that don't have permissible purpose according to the four-credit reporting act. Anything furnaced on my consumer credit report must have permissible purpose according to 15 USC1681B.

Please remove these fraudulent inquiries from my credit consumer report. Delete this hard inquiry because it doesn't have permissible purpose according to 15USC1681B.