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

I am a victim of identity theft and the recent Equifax data breach. Equifax put a fraudulent and unauthorized account from XXXX XXXX XXXX that Equifax previously deleted and permanently blocked from my credit report. The following accounts are fraudulent, unauthorized and dont belong to me : XXXXXXXX XXXX XXXX, XXXX XXXX and XXXXXXXX XXXX, these accounts are fraudulent and dont belong to me. The are not my accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

REFERENCE MY COMPLAINT NUMBER XXXX : 1. EXPERIAN DID NOT REPLY TO MY SPECIFIC COMPLAINT AT ALL!!!!! Instead, they replied with a form letter, something they probably send to everyone who makes a complaint about hard inquiries on their credit reports. This is completely unacceptable. 

2. Experian 's form letter does not address my specific complaint, which is that XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX did NOT have a permissible purpose to check our credit because if Experian had warned me that I needed to wait a couple hours between the time I used its automated system to unfreeze my credit report and when it would be safe for XXXX to check my credit, these three companies would never have checked our credit reports. It is Experian 's failure to do its job - the simple task of giving me complete and truthful information - that allowed these three companies to check our credit. Again, this was NOT A PERMISSIBLE PURPOSE to check our credit.
Product: Debt collection

On XXXX XXXX, 2015, I received a collection letter from BCA Financial Services , Inc., XXXX, XXXX, demanding payment for a debt for their client, XXXX XXXX XXXX, XXXX XXXX, XXXX. I immediately responded to this collection agency in written form telling them that I have been disputing this matter with their client for almost a year, with valid medical reasons for said dispute, as well as instructing them to cease all further contact with me. On XXXX XXXX, I received a second letter from them again demanding payment for the same client. I have, for the second time, sent them a letter informing them that I will now report their agency to your agency and both state attorney generals ' offices in XXXX and XXXX. In this second letter I reminded them that they were previously instructed to cease any further communication, yet they chose to ignore my request. This is why I am filing this complaint against BCA Financial Services , Inc..
Product: Money transfer, virtual currency, or money service

Multiple occasions, Zelle sent my money without returning
Product: Credit reporting or other personal consumer reports

Child Support should not be on my credit report. Equifax, XXXX, and XXXX sent a notice to child support enforcement/OAG over 20 years ago stating that it is unlawful for Child Support to be on my credit report. This has been unlawful for over 20 years. This did not start from a credit transaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and TransUnion credit bureaus to validate this account ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.

. It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and delete : XXXX XXXX XXXXXXXX Date Opened : XX/XX/2015 Balance : {$0.00}
Product: Checking or savings account

My Complaint is with the JP Morgan Chase Bank and the US Treasury Department. 

My name is 'Nobody ' and I am now XXXX XXXX years old. I need, at this time, to get my affairs in order. 
I purchased a Certificate of Accrual on Treasury Securities, ( CATS Series S ), on XX/XX/XXXX, XXXX No. CPN-S XXXX, XXXX XXXX XXXX XXXX XXXX ) This CATS certificate was transferable at the offices of : XXXX XXXX XXXX XXXX XXXX New York. 

XXXX XXXX XXXX XXXX was purchased by the JP Morgan Chase Bank.When this happened, What happened to my CATS Series S certificate. 
I have been told to contact the US Treasury, ( No Satisfaction ). 
I have been told to contact the Federal Reserve, ( No Satisfaction ). 
I was told to contact XXXX XXXX, ( No Satisfaction ) I need to have this issue resolved soon. I do not want to have this CATS cert. to just disappear in a lost file somewhere. 

I have spent many hours on the telephone and internet, since XX/XX/XXXX, trying to track down the Bank responsible for this certificate, that I understood, in XXXX, was a rock solid investment. 

Who is in possession of this certificate? 
Who is responsible for payment, to Me, on this Certificate? 
How do I receive payment on this certificate? 
Can I transfer the funds from this certificate to a New account for my XXXX? 

Please Help! 

Respectfully,
Product: Checking or savings account

The amount : {$120.00} Date charged : XX/XX/XXXX XXXX. 

My Checking account was debited twice for the same amount of {$120.00} as membership fee in XXXX. I have complained to Bank of America and provided evidence of duplicate charges ( evidence attached ) but Bank of America continued to claim they have investigated and that the two charges were legitimate. I wanted to know what evidence was provided by the merchant to support the two debits but the Bank refused to provide the evidence. I suspect the Bank did not investigate the fact and have only come to a decision in favor of the merchant.

What I want from B of A is just the evidence provided by the merchant to justify the charges. Attached is the Bank Statement indicating the duplicate charges and my last letter to Bank of America.
Product: Credit reporting or other personal consumer reports

as in dispute requiring that experian provide proof of debt and looking through the fact that we went to court for his debt in the judgment was not granted. They are allowing a third-party to list a debt of {$42000.00} on my credit Ive disputed this item 3 times request request proof they continue to not send me proof they just keep on updating the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2018 my identity was stolen. As soon as I realized what happened, I reported it to XXXX XXXX XXXX. I am also XXXX and was wrongfully terminated in XX/XX/XXXX and have not worked since then. I attempted on several occasions to request reasonable payment terms based on the fact that my identity was stolen and that I am XXXX. They also received a formal Charge of XXXX in my name and my daughters who is a XXXX XXXX survivor. I escalated the issues to the Executive Leadership, Ms. XXXX XXXX, team on more than one occasion. All I asked was for them to waive any late fees and penalties and to provide me with a payment plan. I even reported everything to their security and fraud department because my credit cards ( separate complaint ) had fraudulent charges. I received a letter that I somehow benefited from the fraudulent charges when I have a permanent restraining order and police reports and me and my family have been threatened with bodily harm. I made several verbal Cease and Desist requests verbally and hired an attorney to send a written one. XXXX XXXX informed me that in order for the Cease and Desist to be honored, they would have to be subpoenaed. This is contrary to the laws in Florida. She also send me an official document to complete that indicated I did not originate the loan. I never said I didn't originate the loan and refused to complete the documentation. Instead of providing these accommodations, XXXX XXXX XXXX hired an attorney, XXXX XXXX, to harass me even further. I requested from them to provide reasonable payment terms. They refused and when I told them that their client engaged in predatory and discriminatory behavior, they responded that my charges were based on " unspecified laws ''. I have been contacted by XXXX XXXX XXXX at least 30 times via email ( online statements ), US mail, certified mail, etc. and by their attorneys at least a dozen. XXXX XXXX XXXX has reported me as delinquent to the credit reporting agencies and ruined my credit. Recently, I received a fraud alert on a closed account and called the number and was immediately transferred to a collection department. I am now in not only a situation of severe financial hardship but recently learned that I am critically ill and may not live for another year.
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 privacyand confidentiality under 15 USC 1681. 
XXXX XXXX XXXX : account # XXXX, XXXX : Account # 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 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: Credit reporting, credit repair services, or other personal consumer reports

I got a notice on my XXXX XXXX  on XX/XX/2020 of a late payment on a closed STUDENT LOAN account in which is no longer reporting on my XXXX credit REPORT because it has been REMOVED. This has caused my credit to go down 30 points. How can this account still be reporting payment history when it is closed and has been transferred to another company. REMOVE THIS ACCOUNT from my credit REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it XXXX concern, EXPERIAN is knowingly and willingly defaming my character by furnishing inaccurate information and without my direct written consent. They are damaging my XXXX as well my character.
Product: Credit reporting or other personal consumer reports

To whom it may concern : I received a copy of my credit report and I am disputing some items that need to be DELETED. I have highlighted and number theses disputed items below. The reasons why theses items need to be disputed are statement below. 

Items # XXXX XXXX XXXX ORIGINAL CREDITOR XXXX XXXX XXXX XXXX ACCOUNT NUMBER # - XXXX XXXX XXXX XXXX XXXX ORIGINAL CREDITOR XXXX XXXX XXXX ACCOUNT NUMBER # XXXX XXXX ACCOUNT NUMBER # XXXX According to the provision of the Fair Credit Act 611 ( a ) [ 15 USC 1681j ( a ) ] selection 602 ( A ) states I have the right to privacy. Therefore I Demand the Harassment stop and I be respected until these disputed items must be reinvestigation or deleted from my credit record within 30 days. During the investigation period, theses items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activities. 15 U.S.C 1681 Section 604 ( A ) Section 2 : Also states a consumer reporting agency can not furnish a account without my written instructions. I am also requesting the Names, Addresses and Telephone Numbers of individuals you contacted during the investigation. 

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer by any consumerreporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. All items must be Deleted. 

Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 U.S.C. 1681j ( a ) ( 6 ) ]. I am requesting updated copy of my credit report which can be sent to the address listed below. According to provision 612 [ 15 U.S.C. 1681j ], there should be no charged for this report. 

If you have any questions or need additional information, please contacted me at the address noted below. 

Thank you. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX
Product: Credit reporting or other personal consumer reports

CFPB, I'm a concerned consumer and fill that I'm being treated unfairly when it comes to Credit Points.
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. 

Account Name XXXX XXXX Account Number : XXXX Account Name XXXX XXXX XXXX  Account Number : XXXX has violated my rights. Or a list of inquiries : 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: Credit card or prepaid card

Hello, my name is   XXXX   XXXX   XXXX   and I 'm contacting you on behalf of my grandmother  XXXX   XXXX   XXXX . My grandmother is  XXXX  and she is getting ready to retire from a  XXXX  so she has me trying to get her finances square to do so in relative peace. So I inquired about her credit cards that she has had sin ce  XX/XX/XXXX  a  nd  XX/XX/XXXX  and t hey have accumulated a few thousand dollars in interest debt even though she barely used them if at all, even not having a physical card. She was making her payments that were printed on the bills but she did n't realize that the cards were charging interest on the interest and compounding ove r two decades. Sh e is n't asking for a hand out but it is n't right for thousands of dollars to accrue from just interest on the interest before just to keep an account. Another amazing thing I found out when I contacted them is that when she opened the account  ( s  ), that they assume d one thousand dollars in  debt and charged 29.99 % interest on it even though she had n't used the card. They have lowered it down to 16.99 % percent but the damage to the account has already been done. Even with the debt she has a good  credit score a nd plenty more of actual available credit but she just wants to retire with a clean slate and as lifetime   XXXX   XXXX   XXXX   XXXX  . Also wants some semblance of justice or reconciliation on this matter. To her its a moral matter more than a financial one.     Thank you for your time,  XXXX  and  XXXX   XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

On this day XXXXXXXX XXXX  I spoken with several reps from Equifax about unauthorized and fraudulent collections on my consumer report. Under 15 USC 1681 ( a ) ( 3 ) Equifax assumed this role without permission nor my consent, also Equifax did not respect my rights to privacy which is under 15 USC 1681 ( a ) ( 4 ) The collection which I am speaking of are from a source called ( XXXX XXXX  ) and ( XXXX XXXX XXXX )
Product: Debt collection

Hunter Warfield Inc response didnt resolve the issue on verification of debt I supposedly owe, they stated a letter was sent out XX/XX/2029 for validation that I never received or had any knowledge of this debt and then 6 months later they stated they just reviewed records, which doesnt makes sense, I only seen knowledge of this alleged debt through their response from my complaint.
Product: Credit reporting or other personal consumer reports

Heres a statement detailing how the account with XXXX XXXX XXXX violates specific codes : -- - The account with XXXX XXXX XXXX ( number XXXX ) violates several key regulations : 1. **15 USC 1666b ( Fair Credit Billing Act ) ** : The account, despite being paid and closed, shows a written-off balance of {$5000.00}. This suggests potential inaccuracies in billing records or settlement terms that have not been properly addressed or corrected. 

2. **15 USC 1681 ( Fair Credit Reporting Act ) ** : The reporting of this account as " written off '' could be misleading or inaccurate, impacting my credit report unfairly. The law requires that all information reported to credit bureaus be accurate and up-to-date. 

3. **15 USC 1681b ( Permissible Purposes of Consumer Reports ) ** : The continued reporting of this account as written off, despite its paid and closed status, may constitute misuse of credit information. This misreporting could adversely affect my creditworthiness beyond the permissible scope. 

4. **15 USC 1601 ( Truth in Lending Act ) ** : The terms and conditions related to the accounts payoff and write-off should have been clearly communicated and accurately reflected. The discrepancies suggest potential violations in providing clear and truthful information about the loan 's terms. 

Given these violations, I request that all negative information related to this account be removed from my credit reports and that any inaccuracies be corrected immediately.Here is a statement addressing how the account, despite being paid, is impacting your ability to obtain a new vehicle and causing discrimination : -- - Although the account with XXXX XXXX XXXX ( number XXXX ) was paid and closed, the continued reporting of a {$5000.00} written-off balance is significantly hindering my ability to secure a new vehicle. This inaccurate reporting is damaging my credit report, resulting in higher interest rates and loan rejections. 

The negative impact of this account is not only affecting my financial stability but is also contributing to a discriminatory situation. As the primary caregiver for my XXXX son, reliable transportation is essential for his XXXX  appointments and daily needs. The incorrect and damaging information on my credit report is preventing me from obtaining the necessary vehicle, which is crucial for managing his care effectively. 

This situation constitutes a severe hardship and discrimination, as the inaccurate reporting of this paid-off account is unjustly obstructing my ability to provide for my family. I urge immediate action to rectify this issue by removing the negative information from my credit reports and ensuring accurate reporting to prevent further harm.
Product: Credit card or prepaid card

My stimulus money was deposited on XX/XX/21. American Express Bluebird  will not allow me to access my money at all, I can't spend or withdraw any of it. I've tried calling customer service but all they do is hang up on me. They seem to be doing this to everyone that received a stimulus payment.
Product: Mortgage

I am filing a complaint against Bayview Loan Servicing LLC concerning events leading up to, as well as following a short sale of my home in 2012. During that time there were other resources, programs, and help that was supposed to be made available to me - programs coming from the federal government, to include XXXX and CFPB guidance. However, at no time during my inquiries to Bayview did anyone discuss these programs and resources with me. As a result of the inability to reduce the interest rate and adjust the mortgage, I was forced to ultimately go through a short sale. 
Recently I have mailed them twice with a USPS registered return receipt. They have failed to correspond with me concerning those letters. In those letters I asked that they, as an act of goodwill, remove the negative reporting of my XXXX delinquencies from my credit report. I asked them to do this, as it has been almost four years since the short sale. As part of the justification for the short sale, I cited the need to find adequate and adaptable housing for my XXXX daughter. My current lease is over in 4 months, and the negative reporting is jeopardizing my ability to qualify for a home that meets my daughter 's needs. 
Again - they failed to notify me of programs that might have kept me from going through a short sale, and they also refused to adjust my interest rate on my mortgage. All I have asked for now is to take the negative rating off of my credit, and they have failed to even answer my requests. Furthermore - I have tried countless times to speak with a Bayview representative on the phone. Unfortunately, every time I call their system, it pushes my through several automated responses and ends up hanging up on me. Their phone system does not work for the consumer. 
I ask for your assistance in this matter. 
thank you
Product: Student loan

I got a call from a company on XX/XX/2024 about something that I did not do. so I checked my credit report and found a few inquires on it that i did not authorize. this being one.
Product: Credit reporting or other personal consumer reports

I pulled my credit reports and saw some fraudulent hard inquiries I did not authorise, I need the removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been discovered that you are not DISCARDING files when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm uploading this Complaint to assist with laying out a lawful response. In the event that you decide to not REMOVE the accompanying things written down below which are answering inappropriately because of fraud, I will hand my archives over to my lawyer to begin a lawful procedure. It's my goal to not seek after any legitimate activity so if it's not too much trouble, act in accordance with the law. 
XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$650.00} ; XXXX XXXX XXXX XXXX XXXX NY XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX, NY XXXX ; XXXX Date of Inquiry : XX/XX/2020 ; XXXXXXXX XXXX XXXX XXXXXXXX Balance XXXX {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$4400.00}