23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Below is a letter that I sent to B of A today that outlines my problem fairly clearly : XX/XX/2017 Re : Consumer Financial Protection Bureau / Case no. XXXX Account number : XXXX Dear XXXX XXXX, You sent me a letter XX/XX/XXXX ( copy enclosed ) in which you asked me for information that you stated the Federal Government needed to keep my credit card account open. I demurred in giving you some of this information ( for instance, where I worked and what I did ) saying it was none of Bank of America 's business since I had had an existing credit card in good standing. You responded by closing my account, I thought, temporarily until this matter was resolved. However, today when I called your telephone number and extension at B of A ( which number for you and your department had been changed ) and finally got through to someone after a total 90 minutes of waiting on four separate phone calls, I found out that my account was permanently closed and could not be reopened because of the way it had been closed. 

I am writing you to ask you to tell me if B of A reported this account closing to any credit bureaus or consumer reporting agencies, and if so, to provide me with a copy of my credit report from that or any agencies or bureaus. 

I have a number of credit cards and none of those companies required me to give them more information under the guise of the Federal Government requirement. I have had a credit card with B of A for a number of years. Why did only the B of A need me to fill in the XXXX form and the XXXX? B of A already had my Taxpayers Identification Number from when they issued me a credit card in the first place. The XXXX form is kept in house anyway so why the drastic action by B of A? Your marketing department needed the information perhaps? 

Please tell me in detail just exactly what the Federal Government needed to know. This request B of A made was not for a new loan, or new credit card application so was gratuitous in reference to an active ongoing credit card in good account. 

To sum up, please inform me if B of A communicated to any outside agencies concerning this matter. 

Sincerely, XXXX XXXX cc : Consumer Financial Protection Bureau, Senator XXXX, Representative XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi my name is XXXX XXXX. I'm currently in the market to purchase a home and before I actually start the process I wonted to review my credit report. After carefully reviewing it I notice a couple of items that are not mine and I have no idea where they came from. Its kinda of scary that something like this can happen. These items are not mine and I have no idea how this happened but these items need to be removed from my credit report. I have contact the FTC and my local police. Im doing this on my own behalf. 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
Product: Debt collection

On XX/XX/2022 PORTFOLIO RECOVERY, a debt collection company, in an attempt to make contact me, impersonated the IRS ( on the caller id ). Please see attached screenshots
Product: Debt collection

I have being receiving a text from National Recovery Solution LLC regarding on a debt according to them I owe them money. I have being receiving text to paid in full of $ XXXX with no details in which it is a violation of code under the Fair Debt Collection Practices Act ( FDCPA ) is 15 U.S.C. 1692g.

Plus I am filing a complaint for harassment and unlawful practice via this agency, National Recovery Solution in which they are violating FDCPA code regarding on them for reaching out to my sister in which she is a minor regarding a debt that somebody allegedly they owe. Harassing my family. 

Plus I am fighting this off and disputing it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a card with this bank that was opened on XX/XX/XXXX for a purchase through XXXX XXXX with a balance of {$870.00}. The card was paid off on XX/XX/XXXX and the account was closed XX/XX/XXXX. This account was used just XXXX time. On XX/XX/XXXX, I returned to XXXX XXXX and paid cash to have my tires rotated and balanced. On XX/XX/XXXX XXXXXXXX XXXX on behalf of XXXX XXXX ran my credit report. I found this out when I ran a personal check of my credit on XX/XX/XXXX. Since I had not applied for credit I called the bank and asked how they had the authority to run a credit check on me. They sent me a letter dated XX/XX/XXXX claiming they ran the check off the credit app I had submitted XX/XX/XXXX. If that is the case then I feel that they are in clear violation of federal law. That application was XXXX XXXX XXXX and the account was closed for 6 years. There was no current application for credit pending. This also begs the question as to why after all the years and just shortly after my visit to XXXX XXXX did my name pop up for a credit check for XXXX XXXX. My opinion is that there is collusion going on between the two entities and XXXX XXXX is a partner in this little scam. I have spoken with XXXX XXXX and they disavow any knowledge of this. I have spoken with XXXX XXXX  and even after sending me a letter which specifically states the reason for the inquiry was the old application, they deny ever running a credit check. Trans Union says they did. XXXX says in writing that they did but orally they claim they didn't. These people seem to have a real problem with the truth.
Product: Debt collection

Dear Sir/Madam, I am writing to formally dispute and report an incident of identity theft that has affected my credit file. I recently discovered that there is a fraudulent account listed on my credit report, which is being reported by LVNV Funding. The account details are as follows : Account Number : XXXX Account Type : Collection Account Status : Derogatory Date Opened : XX/XX/XXXX Balance : {$680.00} Payment Status : Collection/Chargeoff Last Reported : XX/XX/XXXX I have been a victim of identity theft, and I did not open or authorize this account. I hereby request that you launch a thorough investigation into this matter and take the necessary steps to rectify the fraudulent account on my credit report. 

I have already taken the following steps to address this issue : I have filed a police report with [ XXXX XXXX XXXX XXXX ] and have attached a copy of the report for your reference. 

I have contacted LVNV Funding directly and requested that they close the fraudulent account. However, I have not received any satisfactory response or confirmation of closure. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I request the following actions : Conduct a comprehensive investigation into the fraudulent account and the associated information. 

Remove the fraudulent account from my credit report promptly. 

Place a fraud alert on my credit file to prevent further unauthorized accounts from being opened in my name. 

Provide me with a written confirmation of the investigation and resolution of this matter. 

I have attached the following supporting documents for your review : A copy of the police report filed with [ XXXX XXXX XXXX XXXX ]. 

Any additional supporting evidence related to this incident, including correspondence with LVNV Funding. 

Thank you for your prompt attention to this matter. I look forward to your swift resolution of this identity theft issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXCC1-308 ALL RIGHTS RESERVED NON-WAIVED EQUIFAX IS IN VIOLATION OF VIOLATING MY CONSUMER RIGHTS ONCE AGAIN. EQUIFAX WILL NOT REMOVE FRAUDULENT INFORMATION OFF OF MY CREDIT REPORT. EQUIFAX CONTINUES TO DISREGARD EVIDENCE THAT HAS BEEN MAILED IN AND DISPUTED ON THEIR WEBSITE, AND CONTINUES TO KEEP REPORTING THIS AS " VERIFIED ''. HOW ARE YOU VERIFYING INFORMATION THAT IS FRAUDULENT? EQUIFAX ALSO VIOLATED A CEASE AND DESIST IN FAIR CREDIT REPORTING THAT WAS MAILED AND ATTACHED TO DISPUTED ONLINE FOR THW SAME ACCOUNT THAT IS STILL ONMY CREDIT REPORT THAT IS FRAUDULENT. 

EQUIFAX IS IN VIOLATION ( S ) OF : 1.15 US Code 1681 c 2- BLOCK OF INFORMATION RESULTING IDENTITY THEFT 2. 15 US Code 1681e ( b ) - MAXIMUM ACCURACY 3. 15 US Code 1681 a 2 - DEFINITION, RULES OF CONSTRUCTION 4.15 US Code 1692 C - COMMUNICATION IN CONNECTION WITH DEBT COLLECTION 5. 15 US Code 1692 G - VIOLATION OF REPORTING A COLLECTION 6.15 US Code 1601- CONGRESSIONAL FINDINGS AND DECLARATION OF PURPOSE 7.15 US Code 1681 a ( 2 ) ( A ) ( i ) - LATE PAYMENTS 8. 18 USC 1028 A AGGRAVATED IDENTITY THEFT 9. 15 US Code 1681b ( a ) ( 1 ) ( 2 ) - PERMISSIBLE PURPOSE ( I DID NOT AUTHORIZE YOU OR ANY COMPANY PERMISSION TO REPORT ON ANY REPORT ) 10. 15 US Code 1681a ( 2 ) ( B ) - CHARGE OFF, REPO, FORECLOSURE 11. 15 USC 1601 CHP.41 - TRUTH AND LENDING ACT MORE VIOLATIONS THAT EQUIFAX CONTINUOUSLY VIOLATES AND I WILL NOT TOLERATE THIS ABUSIVE BEHAVIOR FROM A COMPANY, THAT DOES NOT HAVE A PERSON VERIFY INFORMATION BUT AN SYSTEM. I WILL BE SEEKING {$10000.00} PER VIOLATION AS I SEEK JUSTICE WITH THIS CONTINUOUS ERROR THAT EQUIFAX CONTINUES TO DEFAME MY CHARACTER BY THESE ERRORS. I WILL ALSO BE SEEKING PAIN AND SUFFERING AND OTHER DAMAGES. EQUIFAX CONTINUES TO REPORT FRAUDULENT ACCOUNTS ON MY CREDIT REPORT.
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXXXXXX 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 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 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: Checking or savings account

Hello, i had a bank of America checking account, and had deposited my payroll check, and my girlfriend 's payroll check into ATM. Bank of America did not like this for whatever reason, and seized the money for 30 days+.Bank of America then closed my account. Sent me the money. And reported to a company called XXXX XXXX that reports risk analysis to banks and determines I am too high of a risk to have an account at any bank. I 've called the company and they said call bank of America. I am no longer a bank of America customer therefore they are of no help. So I 'm stuck with no bank account for the past 5 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
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 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a Kohl 's Department store credit card. I made a purchase on the card on XXXX XXXX, XXXX for {$13.00}. I usually pay this off in store as soon as I make the purchase with my Kohl 's card but was in a rush and could not do so. 
Three months later, in XXXX XXXX, I received a bill from collections that I owed Kohl 's {$32.00} ; I immediately paid the bill and was very confused because I had never received a bill in the mail. I called the company and they said I enrolled myself in paperless statements, and they had been sending me my statements via email. I advised them that I never did so, and they accused me of doing so anyway. So, I went ahead and checked my email, and the last email that I received from Kohl 's was dated XXXX XXXX, XXXX, XXXXhree years ago! I never received my bill via email. 
So today, I went online to view my online Kohl 's account and it asked me if I wanted to go paperless, and I said no, meaning that I had not opted in to Kohl 's paperless in the first place. 
The reason I am submitting this complaint is because my FICO credit score went from a XXXX to a XXXX ; almost a XXXX point decrease over a {$13.00} purchase! I was not avoiding paying this bill by any means as I could have easily paid it at anytime. I have been paying my other credit card bills on time, as well as my car payment and really value this effort to have a solid credit score. I have never paid a bill more than a day or two late, I would never let it get to three months passed due. I am very upset by this because it was such a minimal charge and caused so much damage to my credit score, and this can affect my life in a big way.
Product: Mortgage

On XX/XX/21, Hancock Whitneys representative, XXXX XXXX, Real Estate Loan Administrator, confirmed that they had received a refund for the initial disbursement ( {$16000.00} ) from builder, since the builder could no longer build the home for me. The bank has not applied the funds back to the account, and the amount still shows outstanding. They have also continued to charge me interest on the funds they had since XXXX of last year.
Product: Debt collection

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. 

XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX : # XXXX, XXXX 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 : 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

Delete all the fraudulent inquiries. as listed below. 
XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX XXXXXXXX XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX  on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX XXXX XXXX XXXX  on XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXXXXXX XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX XXXXXXXX XXXX on XX/XX/XXXXXXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXXXXXX XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

My personal information was used without my permission to open fraudulent accounts and inquiries using unauthorized residential addresses I never lived at. I have contacted the credit bureaus, data furnishers, consumer financial protection burueu, and police department to report this inaccurate information that needs to be blocked and removed from my credit report by federal law. XXXX Fraudulent accounts unauthorized identity theft : XXXX XXXX # XXXX OPENED XX/XX/XXXX BALANCE {$3.00}, XXXX XXXX # XXXX OPENED XX/XX/XXXX BALANCE {$1000.00}, XXXX XXXX XXXX # XXXX OPENED XX/XX/XXXX, BALANCE {$0.00}, XXXX  XXXX  # XXXX OPENED XX/XX/XXXX BALANCE {$0.00}, XXXX  # XXXX OPENED XX/XX/XXXX BALANCE {$2200.00}, XXXX  XXXX XXXX XXXX OPENED XX/XX/XXXX BALANCE {$290000.00}, US DEPT ED # XXXX  OPENED XX/XX/XXXX BALANCE {$5200.00}, XXXX XXXX # XXXX OPENED XX/XX/XXXX BALANCE {$910.00}, XXXX XXXX XXXX XXXX OPENED XX/XX/XXXX BALANCE {$120.00}, XXXX XXXX XXXX XXXX # XXXX OPENED XX/XX/XXXX, BALANCE {$500.00}, XXXX # XXXX OPENED XX/XX/XXXX BALANCE {$420.00}, XXXX # XXXX OPENED XX/XX/XXXX BALANCE {$420.00}, XXXX XXXX # XXXX OPENED XX/XX/XXXX BALANCE $ XXXXfraudulent addresses connected to fraud never lived there XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This debit isnt mine and the reporting company sent me verification that they have deleted it from my profile
Product: Mortgage

My mortgage was acquired by Freedom in the first quarter of XXXX. At the time of acquisition I was current on my payments. Although I was in bankruptcy at the time, my home was not included. Not only did I pay my mortgage on time, I always overpaid. 
I received my first statement from Freedom dated XX/XX/XXXX. Not only was the payment amount incorrect, I was being charged XXXX as a past due amount. my statement also showed the money I had overpaid ( XXXX ) was being held as unapplied funds. 
My next statement was incorrect as well, I called but do not recall exactly what the rep said but I waited til the following month to see if the situation had been corrected and my payments properly applied. 
My statement dated ( XX/XX/XXXX ) reflected a payment amount of XXXX, with a positive balance in the category of past due amount of XXXX. My over payment ( unapplied ) was now XXXX. 
I paid the amount due of XXXX. I scheduled my next payment of XXXX to pay the amount due on XX/XX/XXXX. I expected the XXXX to be applied to my account however it disappeared. There was now a o balance. 
My over payments which should have been held until they equaled a full payment, were partly used, instead of XXXX I now had a balance of XXXX but my new payment due was otherwise correct at XXXX. 
This is just an introduction to the accounting issues I have had to deal with. 
I have spoken to numerous representatives who assured me the account would be looked at and errors corrected. 
My auto pay amount for XX/XX/XXXX was incorrect and this resulted in an underpayment on my part. 
My payment due XX/XX/XXXX including a XXXX fee classified as bankruptcy expenses was XXXX my auto pay was XXXX. 
I called Freedom and spoke to XXXX who told me to pay XXXX to bring the account current. I called back on the XXXX and was told to pay an additional XXXX and pay my regular payment amount next month ( XX/XX/XXXX ). My statement dated XX/XX/XXXX has erroneous fees in the amount of XXXX and XXXX overdue. I have no idea where these amounts came from. 
My XX/XX/XXXX statement reflected a payment due of XXXX. My auto pay paid XXXX. 
At this point my account should have been correct. I have made all my payments from this date forward before the XXXX of the month ( late ) with the exception being XXXX, XXXX, XXXX and XXXX of XXXX. Freedom granted me forbearance for these due to my loss of employment due to the Covid-19 crisis. On XX/XX/XXXX I paid XXXX for the month of XXXX. 
I owe XXXX for the months of XXXX XXXX and XXXX but Freedom says I owe XXXX. 
My account needs to be properly and fairly audited preferably by an appropriate outside agency. 
I have supporting documentation in the form of bank statements and mortgage statements. 

Additionally Freedom has neglected to report timely payments to the credit bureaus.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update the following accounts from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted the credit reporting companies disputing multiple inquiries that unauthorized on my credit report. Experian failed to properly investigate into the situation for me.i disputed the below inquiries : -XXXX XXXX placed on XX/XX/XXXX -resident check places on XX/XX/XXXX -XXXX/XXXX XXXX XXXX placed on XX/XX/XXXX -XXXX   XXXX placed on XX/XX/XXXX XXXX XXXX placed on XX/XX/XXXX and XX/XX/XXXX -XXXX XXXX placed on XX/XX/XXXX -XXXX XXXX placed on XX/XX/XXXX -IXXXX XXXX placed on XX/XX/XXXX These inquiries were not and have not been authorized my myself at anytime in the past or new future.
Product: Credit reporting or other personal consumer reports

I am a victim of the Equifax data breach please see attachments below.