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

Company wrote it off as a XXXX XXXX without sending a 1099C they reported that I owe a balance of {$370.00} but they took a tax break. under the FCRA, I can seek statutory damages if a creditor, furnishes inaccurate information about a debt, such as incorrectly reporting a charge off while still claiming you owe the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report for XXXX and Equafax has the wrong addressXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

The following accounts were opened fraudulent in my name without my consent. 

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX DOBXX/XX/XXXX SS XXXX My information is clearly shown above. After this credit freeze has been filed, please forward me a written copy of my full report to the address I have confirmed above. 
I would like to request a security freeze placed on my Consumer Disclosure Report. 
I choose to opt-out of your disclosing future information until further notice including the Credit Report and other furnished inquires regarding all personal information. 
This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Credit Report Act, you are required to comply.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act. The List of accounts below has has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXXXXXX Account # XXXX, Account name : XXXX XXXX  Account # XXXX :, Account name : XXXX XXXX, Account # XXXX, Account name : XXXX XXXXXXXX XXXX Account # XXXX and Account name : 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.

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 furish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information inaccurate.
Product: Checking or savings account

I processed XXXX payment with square merchant account they closed my account XXXX month later I got en email stating that they are closing my account any funds inside of the account well be released to my link bank account on XX/XX/XXXX today is XX/XX/XXXX after trying to contact them for XXXX week which they make you call from a random number because my number they hang up The worker that works at the department where they deactivate accounts told me my funds are not on hold that if I cancel my square debit card itll let me transfer to my bank account I did it but still can transfer my money to my bank
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719tXXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Tried to access my credit report for the first time so I can start to build my credit and it is stating my information is n't matching. I have never established credit and know I am entering the correct information I am now concerned my identity has been compromised and need assistance on how I can speak with someone to get this taken care of.
Product: Debt collection

Before my complain, I would like to inform you that I do not consent to an electronic communications. I request all responses be in writing throughtheusps and I'm the one filing this complaint, and I give Consumer Financial Protection Bureau ( CFPB ) authority to investigate this claim. Upon noticing inaccuracies in my report, I took it upon myself to reach out to the creditor to request validation of the debt, but to my disappointment, they failed to provide any supporting documentation. My concern pertains to the account in question, which is erroneously listed as a late payment account. I insist that you furnish concrete evidence of this account being late and, if such evidence is not forthcoming, I demand the immediate removal of the negative payment status associated with this account from my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I asked for all original documents so I could look them over. I was told thats not an option. I have a very unique way of signing my signature which can be provided y my passport which XXXX XXXX had for years. I cant seem to get these items of my report and the same goes for the IRS. I never took any Covid 19 relief because I worked through Covid without any disruption. I can also provide my clock in and outs through the period in question. It seems like all these errors happened through the same period in time, in which Im questioning.
Product: Credit card

On XX/XX/year> submitted an initial application for BILL Divvy Corporate Card is issued by XXXX XXXX XXXX, member FDIC, but despite submitting requested information, my application was not acted on and expired within the 30 day window. Shortly after the expiration of the 30 days, I received another email asking me to come back to re-submit my application, which I did on or about XX/XX/XXXX. XXXX was approved on XX/XX/XXXX and the card received on XX/XX/XXXX. When setting up my online account access, I ran into issues and contacted customer support on XX/XX/XXXX, whereupon I was successful in getting access to my online account management tools. During this interaction, I requested confirmation that my account was enrolled in a promotional offer of spend {$500.00} and receive {$500.00} back as a statement credit. On XX/XX/XXXX, despite no new information on activity on my newly approved and opened account, I received an email notifying me that my account was being closed. I am of belief and suspicion that my inquiry on the promotional offer was a direct result leading to the closure. 

https : XXXX
Product: Credit reporting or other personal consumer reports

Data breach Hello, my name is XXXX XXXX And my information was bought and sold illegally and I was a victim of the XXXX data breach. 

And I want these items deleted from my credit reports effective immediately! 

I am attaching proof that XXXX admitted, that I in fact, was a victim of this data breach and XXXX has done nothing I was these accounts deleted off off my account immediately Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This account is closed and never was late Correct this immediately Personal info My name is as stated XXXX XXXX I do not and have not ever gone by any other name and want all other names removed off of my consumer reports Addresses My address is as stated XXXX XXXX XXXX XXXX XXXX pa XXXX I want all other addresses removed from my consumer reports I want all employment history removed from my consumer report Thank you Sincerely, XXXX XXXX
Product: Credit card or prepaid card

This issue is with my Bank of America credit card security and privacy. I have been divorced for a year and a half and have a Bank of America card in my name that my ex-husband transferred over to me after our divorce. I took his email off the contact information and put my email address on there instead as soon as he transferred the card to my name. I have been late with my credit card payments a few times within the last year and a half, only a couple days or a week late each time, and Bank of America has sent my ex an email instead of me to remind me to pay. He forwarded the emails to me, which was humiliating. I also checked my account online and found that his email " mysteriously '' re-appeared on my credit card account. I've called Bank of America customer service about this issue to ensure that his email is removed from my account, and checked online to see that this issue was resolved. Every time that I checked online, his email " mysteriously '' re-appeared as the primary email address, instead of mine. Twice in the last year and a half, I called Bank of America customer service to make sure that MY email address was on the account ONLY as the primary email address and was assured that it was. So, why was my ex getting these late payment emails? This last time, Friday, XX/XX/XXXX, I received the attached email from my ex-husband. I called the Bank of America customer service line. The first associate assured me that my email was the only email on the account, told me she was transferring me to technical service to assist me further, and then disconnected the call. I called back. The second associate told me my ex-husband 's email was the primary email on the account, and mine was secondary. He or she connected me to technical service. This technical service associate removed my ex-husband 's email from the account. I then told her to close my Bank of America credit card account. I didn't know if this would help with the privacy issue or not. Saturday, XX/XX/XXXX, I checked my online account, and found my ex-husband 's email was back on my Bank of America credit card account as the primary email. Mine was listed as the secondary email. I have attached these screenshots, as well. I called Bank of America customer service again and demanded to talk to a supervisor. I was told that the one supervisor working the shift was in a meeting. I demanded that the supervisor call me back. The supervisor never called me back. I have signed up for free legal aid through my work and will be pursuing legal action against Bank of America in XXXX for XXXX  XXXX, but I am also contacting you - since if they're doing this to me, they are likely doing this to other people, as well.
Product: Credit card or prepaid card

My credit score is XXXX good right?! Well yeah Ive only had it for 2 years but still everyone deserves a chance to build or demolish their credit. Thats what credit is for. Besides the benefits of a credit card. I have one through pinnacle but the other card companies keep denying me
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a complaint against XXXX. The reason why I am writing this complaint is because on my XXXX, Experian, and XXXX  credit report on XX/XX/2018. This inquiry was not authorized by me, this was done under fraud. I will be brief, I did not authorize this and I do not recognize this inquiry. In this complaint I will submit all the documents necessary to verify that this inquiry was not done by my person. I am bringing this to the attention of the CFPB because when I tried to requested directly with the credit agencies and their response was that I had to do it directly with the companies that I asked them from. The most alarming thing is that hopefully no fraudulent accounts were open.
Product: Checking or savings account

However, my account was close due to valid fraud claims that I have been through since opening my account. My vehicle was stolen multiple of times and all of my personal Information was taken. I been having trouble keeping my bank account secure. Furthermore, USAA closed my account due to suspicious activity & I havent didnt do anything wrong but besides to keep my sccount secure. Now my bank is restricted, I have a family and a life. I now cant access any of my funds. They want me to wait 60 days on my money to get. This is ridiculous!
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several inaccuracies and unauthorized items reflected on my credit report. These items violate my rights under the Fair Credit Reporting Act ( FCRA ) and other applicable credit laws, which ensure the accuracy, privacy, and security of consumer credit information. Additionally, I believe these errors may be connected to recent data breaches that compromised my personal and financial information, resulting in unfair credit exposure. 
Disputed Items : XXXX. Negative Items : The following negative entries are incorrect please REMOVE THESE ITEMS FROM MY CREDIT PROFILE XXXX XXXXXXXX XXXX XXXX  Account XXXX ( Charged-Off ) XXXX XXXX XXXX  Account XXXX XXXX Charged-Off ) XXXX XXXXXXXX XXXX Account XXXX and Account : XXXX XXXX XXXX XXXX XXXX  Account XXXX Grounds for Dispute : Under Section 605 of the FCRA, credit reporting agencies are obligated to : Ensure all information reported is accurate and verifiable.

Remove or correct outdated or unverifiable information ( older than seven years, except for certain bankruptcies ). 
Protect consumer credit files from unauthorized access. 
I believe these inaccuracies are a direct result of the credit breach that exposed my sensitive information. I have taken steps to secure my identity, including filing reports with law enforcement and placing a fraud alert on my credit file. I have also enclosed the following documentation to support my request : Legal Compliance : As part of your investigation, I request written confirmation of your findings and any actions taken. I expect these disputes to be resolved within the 30-day period stipulated by the FCRA. Please be aware that failure to comply with these requirements may result in additional complaints to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and/or legal action.

Detailed Investigation Report : Provide a detailed explanation of the outcome for each disputed item, including any supporting documentation used to verify the items. 
Thank you for your prompt attention to this matter. Please confirm receipt of this dispute by [ insert preferred communication method : email/phone/mail ]. Should you require additional information, I can be reached at [ Your Phone Number ] or [ Your Email Address ]. 
I look forward to a timely resolution of these issues. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a car loan once and I have to hard inquires on my credit that is affecting my credit score.  please remove one of the inquires a credit report is good for 45 days. As I was declined anyway.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted, unsuccessfully, for several months, to unlock my Experian credit file. I lock all three bureaus for security purposes and generally leave them in a locked status until I need to apply for credit. I was signed up for Experians XXXX XXXX subscription, which offered the ability to instantly lock and unlock your credit file online or by using the mobile app. I have previously used the app to lock and unlock my report with no issues. XXXX XXXX I was preparing to apply for a loan with XXXX. I didnt recall which credit bureau that they pulled from, so I began the process of unlocking all three bureaus. I successfully unlocked XXXX and XXXX, but was unable to unlock Experian. I didnt think much of it at the time and figured it was a temporary system related issue. A few days later I tried again and received the same error message. I tried calling Experian and found it virtually impossible to reach a human being. The automated system provided an option of unlocking your report. I selected that option, only to here the response Sorry, I was not able to unlock your report. Out of desperation, I canceled my premium subscription and downgraded to a free basic subscription. The basic subscription did not include the credit lock and unlock feature and I thought that might release the lock in my credit file. Well, it did not. I then wrote Experian a letter, pleading with them to help me. A couple of weeks later, and to my surprise, I received a call from Experian, ( XXXX ). She was a nice lady and appeared to be genuinely concerned about my issue. It was the XXXX XXXX XXXX and she needed to escalate the matter because she too was unable to unlock my credit file. She promised to call me on XXXX with a resolution. Well, I never received that call. I called XXXX and left a message, however she didnt respond. Over the next few weeks I tried over and over to unlock my credit file, to no avail. I sent another letter, again appealing to Experian to help me. I shared with them that I had been denied financing by XXXX due to their inability to access my Experian credit file. Today, XXXX XXXX XXXX, I received a call from XXXX. As aggravated as I was, I was still pleased to receive the call. She did not apologize for not following up on her promise to call me back but she did go on to tell me that my report was unlocked. I logged into the Experian website, while she was on the phone and receive the same your credit is locked message and was unable to unlock. She then suggested that I screenshot the error message and fax it to her, along with my drivers license & social security card. I did send the requested information today, however I have very little faith or confidence that Ill receive timely follow up. I feel like Experian is holding my credit file hostage and theres not much that I can do. I cant obtain credit from any creditors that utilize Experian to render their decisions. This is a very unfair and punitive business practice. Please assist me.
Product: Debt collection

On XX/XX/XXXX, I went to the ER. I called the hospital and all my bills with them are resolved which included over {$8000.00} in XXXX of that year for a series of rabies shots ; all my accounts have been resolved and I paid them on time. Now, they told me that apparently the ER doctors bill separately through a company called XXXX XXXX XXXX of XXXX XXXX. To my knowledge, I never received a bill or a call from them, but they sent my information to a debt collector. This debt collector allegedly ( according to them ) sent me ONE letter on XXXX of XXXX, TWO YEARS after this event happened, for which I had no outstanding balance with the hospital, or quite frankly, recollection. The debt collector in question is Assetcare of XXXX, Texas. I have received no voicemails, and they sent my information to a credit reporting agency after only sending one letter which I never received. if I would have seen a bill from a debt collector I would have called immediately, as I did in this instance since I value my credit, and I was told it was already affecting it unless I paid this debt which I never received a bill for until it was already reported. These people had no problem ruining my credit for {$180.00}.
Product: Checking or savings account

My card was used and XXXX was taken out of my Chine card with out my knowledge in XXXX I live in upstate ny. I called immediately after to try and see what was going on. I was told to wait a couple days until The atm purchases were approved. I have never heard of atm withdrawal pending. Then I can dispute the charges. After they did a investigation '' and this morning at XXXX you concluded there was no fraud. I provided a police report of a previous incident in which my credit card was used in XXXX  last year. I requested a full refund refund and was denied.
Product: Debt collection

XXXX XXXX XXXX is a law office that collects debts. They reached out to the hospital and were given a medical chart with explicit medical details on it and forwarded to me in the mail which ended at my neighbors and them opening and reviewing my medical chart. This is a direct violation of my HIPAA rights. Then they filed a lawsuit against me without validation of the said debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called XXXX XXXX to pay my bill even though I was expecting a credit from XXXX  commenity. The representative must have disputed the account number wrong because they keep reporting my account late even though I made a payment on an account that received a credit for the merchandise through returns we made. Please remove derogatory listings from my credit report immediately, as you are hurting my score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE MAILED A LETTER TO EACH COMPANY AND ASKED FOR THIS INQUIRE TO BE REMOVED FROM FROM MY CREDIT OR SEND ME ANY DOCUMENT THEY HAVE THAT I HAVE GAVE THEM AUTHORIZED TO PULL MY CREDIT REPORT XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/XXXX a debt collector by the name of XXXX called me XXXX and left a message. At XXXX that same day XXXX then called one of family members and advised them I have a debt and she called on behalf of a creditor. 

I called XXXX to understand why she was calling me and my family members before confirming whether or not the debt was mine. 

I asked XXXX if I provided the number to the reference she called. 

She said no. 
I didnt confirm the debt nor did I provide any numbers and XXXX reached out to my family by skip tracing information. 

I advised XXXX I am not responsible for this debt and she should not be calling me or more family. 

XXXX was rude and XXXX and I want to be removed from their calling list I also want the company addressed for harassment