23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Bank of America revolving credit card has option for " auto pay '' whereby I can set up a certain amount to be paid on my credit card each month. Previously, there were three options for payment amount : " Total Minimum Payment Due, '' " Statement Balance, '' and " Fixed Amount. '' Recently, they removed the credit card holder 's ability to set a fixed amount. I would like to set a fixed amount in order to pay off my balance on my credit card more quickly and not accrue interest.
Product: Credit card or prepaid card

It appears rewards points have disappeared without justification. The website 's transparency into points earned on specific transactions is lacking and impossible to audit and information has changed. Points were reported on a transaction, now show 0, and disappeared. I have tried to get more information from the customer service representatives but they stated points are 'pending ' and they don't have visibility either. The website has been increasingly less transparent to points accumulation and it's impossible to verify, attest, or audit the reporter balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a vehicle that was pd off a yr ago and have the proof of it and there saying I owe XXXX West lake financial
Product: Student loan

My prior loans with Great Lakes estimated my pay off date to be in the mid to end of XXXX under the IBR plan. I have a photo of this information to prove it from Great Lakes in the past. This is roughly about XXXX to XXXX more payments. This is also why I did not enroll in any other program for forgiveness. Well, when I tried to see this on my NELNET account, the info is no where to be found. I called in requesting the information and nelnet told me I actually had over XXXX payments left! I told them that this is not at all what my prior loan servicer had me set on. NELNET expressed that they had no more information and that maybe they are missing some information. Since loan forgiveness from XXXX began, it seems that every call I make to student loan servicers land me with inaccurate information and also no one knows any definite answers! This is not right. I could have missed out on opportunities get better terms or simply just be informed about my student loan repayment status. I am basing my life off of information given to me in the past and now it seems to be all changed. Im really confused and need answers.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was already removed due to non ownership. Account, XXXX/XXXX in the amount of {$3000.00}
Product: Credit reporting or other personal consumer reports

In accordance with the fair act credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15USC 1651 XXXX XXXX XXXX XXXX XXXX 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 Section 2, 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 my make any consumer report containing any of the following items of information, other than records of convictions and crimes which antedates the report by 7 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 knowns or has reasonable cause to believe that the information is inaccurate
Product: Debt collection

Called and left message saying that they needed to serve me legal paperwork. They said they would be at my house between XXXX and XXXX that day, and if I could not be reached, they would show up to my work place. They told me to call XXXX. When I called that number to inquire the name of their company, they refused to tell me, and instead attempted to get my address and social security number info. I am relatively sure this is an illegal practice, as they are implying they are officers of the court and can legally serve me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Nevada XXXX Equifax Information Services, XXXX XXXX XXXX XXXX XXXX, GA XXXX Date : XX/XX/2023 ATTN : Equifax Legal Department , Ive just reviewed my credit report and noticed the following inaccurate item XXXX  with account number XXXX Each bureau has different info in the historical payment data this is inaccurate and all lates need to be removed additionally late payments are illegal and you are violating the right to my privacy. refer to 15 u.s.code 1681 ( a ). 
In the absence of any such verification, I formally request that this information be immediately removed from the credit file you maintain under my Social Security Number. 
Finally, please remove all non-account holding inquiries over 30 days old and add a promotional suppression to my credit file. 
Sincerely, XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of certain adverse credit information from my credit report. As a victim of XXXX XXXX, specifically XXXX XXXXwhich falls under trafficking as defined by the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have incurred debts that are a direct result of this criminal activity.Per the guidance from the Consumer Financial Protection Bureau ( CFPB ), I am providing a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXXAccording to Section 605C of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), credit reporting agencies are required to block and remove any adverse information resulting from human trafficking within four business days upon receipt of sufficient documentation. Furthermore, 12 C.F.R. 1022.142 mandates the immediate removal of such information. I have provided all necessary documentation, including a victim determination letter in accordance with 12 C.F.R. 1022.142 ( b ) ( 6 ). As only two forms of documentation are required by law, I trust that the enclosed materials suffice for this request. I also request the immediate removal of any negative accounts linked to my credit profile, written confirmation of these actions, and assurance that the negative information will not reappear on my credit report in the future that resulted from human trafficking.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I recently checked my personal credit report and I noticed an unauthorized inquiry had been made. 
The unauthorized inquiries are listed below, and I have also highlighted them on the enclosed copy of my credit report. 

I am a victim of Identity theft, and I did not make or authorize this inquiry. I am requesting that the inquiry be removed, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Reporting Act, If someone has requested my report illegally, The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from Equifax. 


1. Company Name : XXXX XXXX XXXX  XXXX Inquiry Date : XX/XX/2020 -Unauthorized inquiry by Identity Theft
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm compliant about Experian because not listings too XXXX XXXX and XXXX XXXX that we both told Experian that there no copy machine Any were in XXXX Kansas and Any were we both looking ever we're in XXXX Kansas and ever elses no copy machine Any were and any places so that what both Are compliant about they won't both of uses personal information to send to Experian but there XXXX we both can copy any things to Experian credit bureaus reports agent there no copy machine Any were that what we both was compliant About Experian needs to understand XXXX XXXX ever since States is difficult then then others states All of the Are not Sames so that what we both are compliant so EXPERIAN has to forget both usrs personal information just go ahead finish both of uses Everyone Deputes about XXXX XXXX XXXX XXXX vehicle loans contacts off without both of uses personal information that they need uses to Sends them so that what we both Are compliant right now so do not ask for XXXX XXXX and XXXX XXXX both personal information no mores just finish both of XXXXXXXX XXXX XXXX XXXX vehicle loans contacts off compliant without both of uses personal information to so that what both of uses are compliant
Product: Debt collection

A letter was received from Brown & Joseph LLC the recovery partner regarding a claim settlement offer of {$17000.00}. for XXXX XXXX XXXX XXXX date of loss XX/XX/2022. I called the above referenced company and they reported that it was a theft and it was not me because I do not steal anything. Some one must have provided my name and information and committed fraud and impersonation. 

I called XXXX  and they could not provide any information.
Product: Checking or savings account

notes from XX/XX/19 bank of america meeting. 


Went into bank to check on a rate for money market. 
Sales clerk at desk and asked about rates. She took my debit card and then went to speak to a man behind the glass partition. After a few minutes I was invited back to meet XXXX XXXX, Small Business Banker. 
He already had my accounts pulled up. I explained that I wanted to get the rate on the moneymarket account I had because another bank had just moved me into a higher rate. Mr. XXXX pulled up a pamphlet which had nothing to do with rates and was a " Business advantage Relationship Rewards '' program. He began by selling me a credit card and then moved onto to payroll. 

During this discussion he pointed to the next to last sales bullet payroll services and ( no vendor listed ), " I see you pay {$57.00} for XXXX ''. I didnt get it then but later I recalled him pointing to his monitor. He was accessing my account! Mr. XXXX continued to say that he could get that fee down and called whom he said was his " associate ". 
At first the call was private, but then when it came to explaining the savings he put the call on Speaker phone and an the asscociate said " that is because XXXX offers kick backs to accountants. '' I was then given a business card for XXXX XXXX of XX/XX/XXXX. 
This set off alarms!!!!. I never gave, nor was I asked, for permission to look into my business dealings. To have Bank of America reviewing my CHECK details and then discussing it with an outside vendor is, in my view, wrong. It was so alarming that I made notes which I have transcribed here.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX closed and sent my account to a collection agency for {$160.00}. Collection agency offered to satisfy the account @ a discounted rate of half of the amount which was {$82.00}. Spoke to someone from the collection agency and paid the amount. I was told the account would be satisfied. A few months later, the account was transferred to another agency for {$82.00}. Placed on my credit report ( all 3 credit bureaus reporting ) as a collection account and having a negative effect on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ;
Product: Credit card or prepaid card

I have a problem with a contintential finance surge card. I reported the card missing and have a new one sent. I later found the card but my account was cancelled and the fees are still piling up. I only used the card once and paid the balance off right away. This mistake is hurting my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2019. Trans Union dropped my credit score by 23pts because I paid off the entire remaining balance of {$870.00} on my loan with XXXX XXXX ( XXXX ) XXXX. Instead of my credit score going up for paying off the loan they dropped it 23pts because the account was now closed. I have been taking pain staking efforts to stay out of debt and paying off debts and Im getting punished for not owning enough money to enough debtors. This is backwards and wrong. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states i have the right to privacy 15 USC 1681 section 6 o 4 a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Prepaid card

My account was closed and I am still waiting for the company to send me my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1881.

Bankruptcy inaccurate 15 USC 1681 Section 602 A States I have the right to privacy 15 USC 1681 Section 604 A Section 2 it also states a consumer reporting agency can not furnish a account without written consent.
Product: Credit reporting or other personal consumer reports

I need to re-document and refile this grumbling to TRANSUNION.I kept in touch with them the errors of my credit report including dates of last movement, dates opened, dates detailed, and installment status. They professed to have led an exhaustive examination, in spite of the way that it its more of 30 days. As I checked and audited my credit report appears nothing has changed and negative move has been initiated. My privileges have been disregarded various times. 15 U.S.C 1681 segment 602 A. States that I reserve the option to privacy.15 U.S.C 1681 segment 604 A Part 2. It moreover states a buyer detailing office can't outfit a record without my composed guidance. I filed an FTC report with the report number XXXX as my formal complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a disputed debt with  XXXX  financial that appears on my Experian Credit Report. After disputing the debt with the collection agency directly, they did not remove the account or mark it as disputed. Instead they referred the account to an attorney to attempted to use removing the credit trade line as a means of getting me to sign away my rights under the Fair Credit Reporting Act. Regardless of this,  XXXX  is willing to delete the tradeline in exchange for a release of your claims. Please let me know if you will accept this offer. Sincerely,  XXXX   XXXX   XXXX   XXXX ,  XXXX ,  XXXX ,  XXXX  After receipt of this e-mail I spoke with  XXXX   XXXX , managing partner of the firm who stated that offering to delete tradelines is a common practice their firm uses to avoid litigation provided the litigant agrees not to sue their client. This is complete abuse of the credit bureaus, inaccurate reporting and holding credit reportin g hostage under the FCRA, and blatant violation of the terms and conditions of credit reporting.
Product: Credit reporting or other personal consumer reports

On XXXX I sent a dispute to Transunion. Exhibit 1-3 is the certified receipt and also the dispute letter that was sent to Transunion. Transunion responded with verified as accurate. See exhibit ( A-B ) So I disputed the inaccurate information with XXXX XXXX XXXX XXXX. See exhibit ( X-Y ) XXXX XXXX XXXX XXXX respond with exhibit ( Z ). The court is not the furnisher like Transunion was trying to make it seem. So who is the furnisher Transunion? Where did they get this inaccurate information from? And what type of investigation did you do to get these results? This is a direct violation of 15 USC 1681. No consent is identity theft and these violations are Aggravated Identity theft, Pursuant to 18 USC 1028b ( 1 ) A ( ii ) You have knowingly transferred, possessed and used, without lawful authority, a means of identification of me, which is a felony punishable up to 2 years of imprisonment, in addition to civil liability.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX has reported my private and non-public financial information to affiliate and non-affiliate third-parties, including but not limited to credit reporting agencies such as XXXX, Experian and XXXX XXXX XXXX XXXX XXXX XXXX XXXX has never provided me with an adequate Notice of my right to Opt-Out of the disclosure and sharing of my personal and private information nor the required form in which I could complete and return to them pursuant to 15 USC 6802 and 16 CFR 313.7. I've requested in the past on multiple occasions for the XXXX XXXX XXXX XXXX and the XXXX, Experian and XXXX XXXX to cease reporting my private non-public information, as it is defamatory, inaccurate and an infringement on my right to privacy, but no changes have been made. Because of this unlawful and inaccurate information relating to my private affairs being reported, I have been financially harmed by being denied credit, and have suffered emotionally. I've mailed requests and electronic messages to XXXX XXXX to cease their reporting of my private information.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Was told payment would keep debt from reflecting on my credit as a collection action. Payment made over 60 days ago.
Product: Credit card

I've requested from Synchrony Bank a itemize copy of my transactions showing me the balance with every transaction my balance keep getting higher when I purchase something but when a payment or return is added to the account I don't see the deduction and the balance keep getting higher. I've contacted the Bank several times asking for this informationI I was hung up on several times saying they don't do that. All the online shows the amount added and the deduction but the balance stays the same or go highter that's why I asked to see the balance everything their is a transaction, this is all I'm asking for so I can go over it with the hard copy, I'm in my XXXX '' XXXX so I'm a little slower than a younger person to understand different things that's why I need a hard copy of each transaction and then show the balance afterwards.It is a disability for me to just look at the charges and deduction without a balance showing the amount after each transaction
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a credit report with XXXX XXXX on XX/XX/2022. After receiving a copy of my report, I saw some UNVERIFIABLE information on my personal profile, I noticed that someone stole my identity and opened many accounts without my permission or authority, no police report or fraud affidavit is possible and no information or document is in my possession. XXXX XXXX, XXXX XXXX are not my accurate names : XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX These addresses are UNKNOWN to me. I never lived at these addresses : JPMCB CARD XXXX, JPMCB CARD XXXX, JPMCB CARD XXXX, JPMCB CARD XXXX Please block and remove these accounts from my credit report on my credit report which are UNKNOWN to me.One of your staff told me to write a letter and attach a copy of the identity theft report ( FTC report # : XXXX and XXXX ). I have never with these accounts, so please remove/block the disputed items as they were opened without my consent or knowledge, pursuant to Section 605B of the Fair Credit Reporting Act, please.

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

I appreciate your assistance in removing some of the fraudulently obtained data from my credit report, but there is still information that has been passed along that has to be deleted or blocked. Credit Bureaus are required to delete any records listed on an ID THEFT REPORT in accordance with FCRA segment 605 of the law. I am including this report again because I proactively remembered it from a previous correspondence. My attorney is eager to hold you accountable for your obstinate rebelliousness now that they are aware of my intentions and what I intend to accomplish. 
XXXX XXXX ; XXXX XXXX XXXX  ; XXXX XXXX ; XXXX XXXX XXXX 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 XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX ; XXXX XXXX AV XXXX XXXX, XXXX XXXX ; XXXX XXXX  XXXX XXXX Balance XXXX {$610.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$33000.00} ; XXXX XXXX XXXX Balance : {$6500.00} ; XXXX XXXX  XXXX Balance : {$8700.00} XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  DEPT OF EDXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  BANKRUPTCY # 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