23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am XXXX year old senior citizen. Customer of Bank Of America 41 years. I have always paid my credit card bills each month my entire life Within the Last 9 years I have gone into my Life savings depleating its making large jumbo payments of {$5000.00} - $ {$10000.00} several times Paying Bank Of America bringing my. Out standing valence down. Bank Of America Has been charging me % 19 percent interest on. My credit card for 9 years although I faithfully pay my. Credit statements faithfully my entire Life Ive asked Bank of America repeatidly to please lower my interest they say Im getting very low interest which is not true Although I faithfully pay my bills on time plus paying around {$400.00} in penalty rates ntwredt fees a month I can not pay off my credit debt without going into my senior. Life savings Im asking Bank America to drop monthly interest to % 0 percent compared to XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi. I contacted Equifax, XXXX, and XXXX XXXX regarding the reporting of inaccurate information that each of said companies are currently reporting incorrectly.
Product: Credit reporting or other personal consumer reports

I am filing this report with the CFPB to formally dispute several unauthorized accounts listed on my credit report. I am a victim of identity theft and request that these accounts be blocked from my credit file under Section 605B of the Fair Credit Reporting Act ( FCRA ) .According to this law, you are required to block fraudulent information on a consumer 's credit report within four ( 4 ) business days after receiving appropriate documentation. My personal information was exposed in the XXXX DATA BREACH. PLEASE REFER TO THE XXXX DATA BREACH SETTLEMENT REFERENCE NUMBER TO VERIFY MY VICTIMIZATION specifically 15 USC 16821c-2 ( a ). I am entitled to request that my accounts be blocked and deleted due to the unauthorized access to m personal information. The breach has compromised my data and I am concerned about the identity theft and misuse of my information. Please find my details below for your reference. Full Name : XXXX XXXX Social Security Number : SS # XXXX Date of Birth XXXX Current Address : XXXX XXXX  XXXX XXXX XXXX Texas XXXX XXXX I kindly request that you take immediate action to block and delete all accounts that have been compromised as a result of this data breach. Additional, please provide me with written confirmation once this has been completed. If you require any further information or documentation to process my request, please do not hesitate to contact me at the phone number or email address listed above. Thank you for your prompt attention to this matter. I look forward to your swift response.
Product: Debt collection

I have attempted to validate this debt with an original contract and accurate balance. The information being reported is not accurate. Ive disputed this debt numerous times trying to verify an original contract and balance information. I have never received validation or information on original balance. There has not been a note or memo on collections to reflect my dispute. Lastly this company every month puts an inquiry on my report and updates the balance every 30 days. This company is harassing me.
Product: Debt collection

I have been in phone contact with Gurstel Law Firm in Wisconsin since Fall of XXXX and via email since XX/XX/XXXX attempting to resolve a payday loan debt from XXXX that was bought by them. The representatives have been constantly using stall tactics and giving me all these ridiculous reasons why they could not settle with me. I finally got so frustrated I started recording these calls. I informed them that I was fed up with being given excuse after excuse on why the debt couldn't be resolved. I notified them that I had been recording the calls and have proof of what they had been doing to me. The rep immediately told me he could no longer speak to me. The only person who could speak to me on a recorded call was their Lawyer XXXX XXXX. I was given his number and left him several voicemails with no return call. On XX/XX/XXXX, I sent an email to Gurstel and on XX/XX/XXXX he finally responded. We had what I thought was a good conversation. We discussed a one time lump sum offer of {$1200.00} to settle this debt in full. He stated that based on my circumstances, he felt it was a reasonable offer and would bring it to their client. He told me he anticipated a response from their client by that Friday, XX/XX/XXXX or early the following week. I have not heard from him since. I have called and left him 9 voicemails between XX/XX/XXXX and XX/XX/XXXX without a response. I am doing my best to resolve this debt and don't know where else to turn at this point. I am just trying to fix debt that I incurred during an XXXX XXXX  where I was forced to take out payday loans to cover my exs debt so his clients wouldn't sue him for unfinished work. Please help me. I am raising XXXX children with no child support. I just want to fix my credit so I can do good things for these children.
Product: Checking or savings account

So I had opened up a Credit Karma savings account being that I had a Credit Karma account already and so I thought I would open it so that I can put some extra funds to the side in case of an emergency so I did a deposit they took the deposit they didnt put the deposit into my account And five days later, they said that my account was frozen so I tried to call customer service. I called every number that they had as a 24/7 customer service. And I had talked to four people that didnt seem to know any English at all. I got transferred to a supervisor who literally say more than just a couple words of English complete sentences every time I expressed to him my concerns on my money and my worries and my frustrations he could hardly respond even with the runaround and the Continuous reading of a piece of paper or an automated response. Man couldnt give me any answers whatsoever and he was claiming to be a supervisor so then I called my bank and I made a claim with them. We dont know the outcome of this yet but I do want to make a complaint with Credit Karma because theres absolutely no reason why my account was frozen. Its only XXXX XXXX dollars the deposit came from my main bank account which is XXXX XXXX it was approved it was cleared and so I dont see why my account was frozen at all. Nothing fraudulent happened. Nothing wrong. There wasnt a bunch of different other Deposits or bad checks being used or anything like that this account is new the customer service was terrible. They told me that I would have to wait for an email from some department that didnt have a phone number or customers didnt have access to which I also thought was weird no answer that I got sounded professional or even appropriate. I talked to one of the agents at my bank and even they said that it sounds fishy and it sounds fraudulent and that they two have heard issues about Credit Karma banking. I then looked online and I seen that this is a very common issue with Credit Karma and that sometimes they go months and months and months not unfreezing your account and keeping your money and they also make you run through hoops and go through many different avenues just to get your money only for them to close your account and Then you have to find out how you get your money back. I want them to reverse this deposit and I want them to put that money back into my account and Ive gone through every option that I can go through. Ive made a complaint with the Better Business Bureau Ive made a claim with my bank and Im making a claim with you guys to try to get this resolved. This is a terrible company. Their customer service is terrible The way that they manage the customer customer is terrible and its quite frightening because its the only only money I have right now until I get paid again and I have no access to it. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus on XX/XX/22, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If the credit bureaus do not authenticate these accounts, I will take legal action against them. Please abide by the law in order for this matter to be resolved promptly. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I tried to access my free credit report from Trans-Union. I filled out the form and answered the questions they posed to verify my identity. They said they could not verify it - XXXX of my answers must have been deemed incorrect by them. I was kicked out not knowing what went wrong - only that I could not be verified. The information on the site was very confusing and when I thought I had clicked on the button to continue to fix my response it completely kicked me out saying that I had to wait a year before I could ask for a report. What can I do?????
Product: Credit reporting, credit repair services, or other personal consumer reports

The FCRA states that the only permissible purpose for pulling someone 's credit is for 1 : FIRM OFFER OF CREDIT 2 : INSURANCE 3 : EMPLOYMENT 4 :  COURT ORDER. The following credit inquiries are related to none of the aforementioned permissible. I 've also been a victim of fraud. PLEASE SEE ATTACHED PAPER WORK FROM IRS. THE FOLLOWING fraudulent inquiries are as follows Equifax mortgage XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As you will see some of these where done multiple times. I 'm not understanding how my credit is still allowed to be pulled when I have a fraud alert on my credit.
Product: Debt collection

I've received aggressive collection attempts from DUVERA BILLING SERVICES regarding a debt for insurance premiums owed to XXXX. Despite disputing the debt and informing them they're not licensed in New Jersey, they continue their efforts, causing undue stress. 

Their actions violate the Fair Debt Collection Practices Act ( FDCPA ), specifically USC 1692e, by engaging in deceptive collection practices. I request CFPB intervention to stop their unlawful actions. 

SUPPORTING DOCUMENTS ATTACHED REPRESENT MY CLAIMS IN THIS ERROR
Product: Credit reporting, credit repair services, or other personal consumer reports

mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ... XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX ... XXXX  XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX ( Has Violated My Rights ) Account Name : XXXXXXXX XXXX  Account Number : XXXX ( Has Violated My Rights ) Account Name : XXXX Account Number : XXXX ( Has Violated My Rights ) Account Name : XXXX  Account Number : XXXX ( Has Violated My Rights ) Account Name : XXXX XXXX Account Number : XXXX ( Has Violated My Rights ) Account Name : XXXX XXXXXXXX Account Number : XXXX ( Has Violated My Rights ) Account Name : XXXX Account Number : XXXX ( Has Violated My Rights ) Account Name : XXXX XXXX Account Number : XXXX ( Has Violated My Rights ) Account Name : XXXX XXXX XXXX  Account Number : XXXX ( Has Violated My Rights ) Account Name : XXXX 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 1681 section 602 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 reporting containing any of the following items of information any other adverse item of information, other than records of conviction or 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 or other personal consumer reports

ON XX/XX/2023 WHILE CHECKING MY CREDIT REPORT ON CREDIT KARMA I NOTICED THAT VETERANS UNITED HOME HAD MADE A HARD CREDIT INQUIRY ON MY CREDIT REPORT. THAT WAS TOTALLY UNAUTHORIZED. I ALREADY OWN A HOUSE PURCHASED A HOUSE FINANCED WITH XXXX XXXX I HAVE EXCELLENT CREDIT THIS HARD INQUIRY CAUSED MY CREDIT SCORE TO DROP. PLEASE INVESTIGATE AND REMOVE. I SPOKE WITH XXXX A REP AT VETERAN UNITED HOME XXXX XXXX XXXX HE ADVISED ME TO FILE THIS REPORT.
Product: Credit card or prepaid card

After reviewing my credit report, I noticed this company has been illegally reporting information to credit bureaus without my consent ( Credit Utilization ). This is an invasion of my privacy and against the law. 

15 U.S. Code 1681- Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 
( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023 Bureaus were notified. 
Navy Federal Account Number:XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXXXXXX Account Number:XXXX I was in the process of obtaining a copy of my credit report, once it was received, I came across accounts that wasn't recognizable. I'm requesting a removal of this account based upon the CFPB/FCRA act. These accounts were sent to all agencies that hold these accounts. I requested removal for all to be removed, due to inaccurate reporting. The balances from each credit bureaus should report the same amount, and none of them match.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to XXXX you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. You were advised by me on ( XX/XX/2022 ) by certified mail that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 
Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. 
Please take notice that this letter dated ( XX/XX/2022 ) is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more.
Product: Credit reporting, credit repair services, or other personal consumer reports

unlawful add inquiry to my report
Product: Bank account or service

I am on Social Security XXXX because of an XXXX and I am supported by the Massachusetts Department of XXXX. ( I can supply more detail about my XXXX as needed ; suffice it to say XXXX. ) My father is helping me with this letter because he is my Representative Payee. This complaint is against the Bank of Santander. On XXXX XXXX, 2016 I deposited a {$2300.00} check made out to me from XXXX ( attached ) in my account at Santander Bank.. During the days that immediately followed I used my debit card from this account and incurred charges of {$2100.00} ( {$1500.00} at XXXX ALONE ) all before the check from XXXX was reported as fictitious on XXXX XXXX. I thought I had money in my account and I thought I had the type of account which could never be overdrawn. On XXXX XXXX, 2016 I went with the financial adviser provided to me through the Massachusetts Department of XXXX XXXX to meet with Bank of Santander officials in XXXX, MA near my house. They referred us to the OVERDRAFT RECOVERY DEPARTMENT where we were told that, regardless of whether the check I deposited was fraudulent, I needed to pay the entire balance of {$1900.00} by the 35th day of the account being in the negative ( We believe that date is XXXX XXXX. ) or they would turn the matter over to XXXX and I would not be able to open any account with any bank in the United States for 5 years! NO GRADUAL REPAYMENT WOULD BE CONSIDERED even though I am an adult who is unemployed and indigent and on XXXX, and my parents are around XXXX years old. On XXXX XXXX, to show good faith, my father deposited {$400.00} in my account at the Bank of Santander. On XXXX XXXX I, again with XXXX XXXX my state-funded financial adviser, returned to the local branch of the Bank of Santander. This time the Personal Banker Representative and the Branch Manager went out of their way to be helpful. Because they were " concerned that my account was compromised '' due to the deposit of the fraudulent check, they closed my account and issued me a new checking and savings account. BUT, incredibly, on XXXX XXXX I got a call to return to the Bank of Santander to get my deposits back as the Bank of Santander reversed itself and now told me they could not open the new accounts as I had one in arrears. I have not been able to sleep since this happened. On XXXX XXXX, my father, acting as my Rep Payee, submitted claim number XXXX to the federal Consumer Financial Protection Bureau but on XXXX XXXX he learned by phone from CFPB staff that the Bank of Santander refused to consider the complaint because I needed to submit the claim myself. So, my father is helping me to submit the claim again ; this time directly from me.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) require the XXXX and XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : US DEPT ED XXXX Balance Owed : {$6400.00} US DEPT ED XXXX Balance Owed : {$4800.00} US DEPT ED XXXX Balance Owed : {$10000.00} US DEPT ED XXXX Balance Owed : {$4400.00} US DEPT ED XXXX Balance Owed : {$3700.00} US DEPT ED XXXX Balance Owed : {$6400.00} US DEPT ED XXXX Balance Owed : {$10000.00} US DEPT ED XXXX Balance Owed : {$10000.00} US DEPT ED XXXX Balance Owed : {$11000.00} US DEPT ED XXXX Balance Owed : {$5400.00} US DEPT ED XXXX Balance Owed : {$7400.00XXXX XXXXXXXX XXXX XXXX XXXX : {$0.00} 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  {$0.00}
Product: Credit reporting or other personal consumer reports

So I opened a money line Account did not. I think I maybe received {$100.00} anyways but it then therefore paid that back and here maybe a year later now I check my credit report and it states that I have a {$500.00} charge off but then it was only charged off or claim charge off. It was late 30 days and then it was went straight to charge off and since then Ive tried to get up with the company multiple times to repay them, whatever you know to get it off my credit report not that I owe them anything but just to get it off my credit report for pay for cant get up with anybody cant get up with any supervisors or they say my account is closed yet I still owe money somehow and its next to impossible to get anything done. Its {$100.00} that I supposedly owe and cant get anything done. Ive tried and tried and tried and tried.
Product: Credit reporting or other personal consumer reports

Account that I was unaware of sent to collections. Collections company never called or forwarded anything about collections. Found information when I pulled credit report. Called and settled account and company confirmed that they never called and never forwarded a letter of intent.
Product: Credit reporting, credit repair services, or other personal consumer reports

Accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : also states a consumer Reporting agency can not furnish account without my written instructions.