23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I filed a complaint with Bank of America twice, regarding blatant fraudulent activity that occurred on my dads trust account that I recently opened, as the trustee. The initial time that I filed, I simply told them what occurred. The second time, I spoke directly to a manager and had him send it through. After it being rejected a second time, I had to take approximately 15 hours total out of my own personal time to basically do the claim workers job. I contacted each of the merchants where the transactions occurred and several of them agreed and had found prior to speaking with me that the transaction ( s ) were in fact fraudulent. Including a hotel manager who provided me with a personal statement that the criminal was in her hotel with a card, with my debit card number on it, the card had a mans name on it. She also said that he was in the hotel for a couple of days and trashed the place. I am a woman and I do not reside in Florida where the transaction occurred. I live in XXXX XXXX. Several of the transactions occurred out of state and even internationally. I find it utterly unfortunate that instead of protecting their clients, Bank of America has resorted to treating me as if I am the criminal. They had placed me in a position not once or twice, but three times. Bank of America personnel was supposed to take the time, just as I did to contact each of the merchants, and they clearly did not. Please view further information via my personal statement and police report filed. Please note : that one of bank of America 's reason for denial was that the trust account was not drained, and it clearly was, with about approximately {$4.00} left on the account after all the activity occurred. During the initial report, I was given inaccurate information also by one of the reps with regards to a certain transaction and its amount. The whole process has been an absolute nightmare for me and I will not stop until Bank of America does their job to treat me as though I am actually their client and not that of a criminal.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of a data breach. Fraudulent activity has resulted in unauthorized inquiries appearing on my credit report. In accordance with 15 U.S.C.

1681c-2 ( a ) and FCRA 605 ( b ), I request that the following inquiry be blocked and deleted from my credit file immediately : Unauthorized Inquiry : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/year>
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the fair credit reporting act. According to 15 usc 1681i ( 5 ) the credit bureaus said everything was complete and accurate and I asked them how if the open date wrong address wrong or was not living in state Then I ask them to provide me a description of the investigation according to 15 usc 1681i ( 7 ) and they never did. I have proof of my letter for that. Also according to 15 usc 1681 s-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 this is violation after violation this is causing me stress because I have no hope in the system Im struggling with XXXX XXXX children and this is hindering
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX THE CUSTOMER SERVICE DEPARTMENT WOULD NOT HELP AND TAKE CARE OF THE NEGATIVE INQUIRES REPORTING TO MY CREDIT REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my credit report and found unauthorized inquiries. 
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. The following inquiries are unauthorized : XXXX  XXXX XXXX XX/XX/2019, XXXX XXXX XX/XX/2019, XXXX XXXX XX/XX/2019, XXXX XXXX XXXX XX/XX/2019 XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent letters to XXXX XXXX and Transunion regarding inaccurate and unknown accounts as well as addresses that are showing up on my consumer report and credit file. I have made all three of these companies aware that my identity was compromised and I was a victim of fraud. I do not understand why these companies continue to ignore my disputes requesting them to delete the inaccurate and unknown accounts and addresses that they continue to report when I have made them aware of these headaches several times now. XXXX sent me an email stating the information was updated and I have never seen any documentation for this account I have demanded them to provide physical proof to verify this information and they have not and can not because there is no proof of these accounts belonging to me at this point I feel taken advantage of XXXX and Transunion did not even have the decency to acknowledge or respond to the disputes and it has been well over 30 days to my knowledge they have not even started an investigation at this point. This is causing financial hardship for my family please delete these inaccurate and unknown accounts as well as addresses immediately.
Product: Credit reporting

I HAVE CALLED TRANSUNION JUST ABOUT EVERY MONTH FOR TWO YEARS, AN ACCOUNT FROM XXXX XXXX IN WHICH I AM THE AUTHORIZED USER HAS BEEN DELETED/BLOCKED OFF OF MY CREDIT REPORT FRAUDULENTLY, TRANSUNION STATES A DISPUTE I MADE TO UPDATE ONLY INFORMATION SUCH AS NEW CREDIT LIMIT AND ALL PAYMENT HISTORY PERMITTED REMOVAL OF THIS ACCOUNT. TRANSUNION WAS REPORTING OUT OF DATE INFORMATION WHICH MADE IT DIFFICULT TO OBTAIN CREDIT. TRANSUNION STATED THE ONLY WAY THAT THIS ACCOUNT CAN BE RE-ADDED TO REPORT IS IF CREDITOR BEING XXXX XXXX CALLS A MARKETING NUMBER ALLEDGEDLY XXXX XXXX IS SUPPOSED TO KNOW AND HAVE. TRANSUNION WILL NOT PROVIDE ME WITH THIS NUMBER TO GIVE TO XXXX XXXX, ALL OF XXXX FEDERAL CORPORATE REPRESENTATIVES HAVE STATED THAT THERE IS NO SUCH NUMBER THAT THEY EVER CALL. IT IS APPARENT TRANSUNION HAS BEEN PROVIDING ME WITH FALSE AND MISLEADING INFORMATION FOR OVER TWO YEARS. THIS HIS HINDERED MY ABILITY TO FAIRLY OBTAIN CREDIT FOR WELL OVER TWO YEARS BY NOT REPORTING THIS POSITIVE ACCOUNT. TRANSUNION HAS ALSO STATED THAT THIS ACCOUNT IS BLOCKED, MEANING THEY CAN SEE XXXX XXXX 'S MONTHLY UPDATES, BUT CAN NOT AND REFUSES TO INSERT THE ACCOUNT BACK ON REPORT. IT IS A FACT THAT IF THIS ACCOUNT SLIPPED INTO A NEGATIVE STANDING NEGATIVELY AFFECTING MY SCORE THE ACCOUNT WOULD BE RE-ADDED BACK TO MY REPORT WITHOUT ANY QUESTION WHICH IS AN UNFAIR PRACTICE AND BIASED. XXXX XXXX HAS PROVIDED AMPLE CONFIRMATION TO HAVE THIS ACCOUNT RE-ADDED TO MY REPORT WITHIN THEIR POWER ALSO BY CONDUCTING THEIR REQUIRED DISPUTES TO HAVE IT PLACED BACK ONTO CREDIT FILE, TRANSUNION HAS NOT BEEN TRUTHFUL WITH THE MEANS OF PROCESSING. IT IS MY UNDERSTANDING TRANSUNION IS COMPENSATED FOR REPORTING NEGATIVE INFORMATION AND WOULD BE TO THEIR ADVANTAGE TO DO SO. THE ACCOUNT IN QUESTION ENDS IS PARTIALLY XXXX. IT MAKES NO SENSE FOR TRANSUNION TO REMOVE AND BLOCK WHEN A CONSUMER REQUEST A CREDIT BUREAU TO DO WHAT THEY ARE SUPPOSE TO DO, PROVIDE ACCURATE INFORMATION. TRANSUNION APPEARS TO BE PRACTICING ILLEGAL METHODS. I CAN OBTAIN CONFIRMATION ON THE PART OF XXXX XXXX PLEASE ADVISE. IT SHOULD BE NOTED THAT THIS ACCOUNT IS REPORTED ACCURATELY TO THE OTHER XXXX MAJOR BUREAUS. THE ACCOUNT IN QUESTION HAS A HIGH AVAILABLE CREDIT RATIO WHICH GREATLY IMPROVES MY PERSONAL CREDIT. OTHER CREDIT BUREAUS REPORT THIS ACCOUNT, THEREFORE TRANSUNION HAS NOT BEEN HONEST IN THIS MATTER. THE DISPUTE CLEARLY STATED BY CONSUMER THAT I WANTED TRANSUNION TO UPDATE MY CREDIT LIMIT AND LAST PAYMENT ONLY.
Product: Checking or savings account

This is my third complaint since XX/XX/XXXX. I couldnt reach my money because of robinhood holding it. I sent all documents which they needed. They closed my account without notifying also they dont answer any emails.
Product: Debt collection

Associated Credit Services first sent a bill collection letter to me in XX/XX/XXXX, upon receiving it I sent a debt validation letter. I return all they sent to me was statements. However they sent me nothing that validates that this debt is mine, no SSN, no Date of Birth. I want the debt deleted ASAP.
Product: Credit reporting

I have made several disputes with Experian regarding my credit report. Every time I attempt to dispute information about the following XXXX Account Numbers : XXXX and XXXX, Experian does n't allow me to dispute them. I have also requested status update on when the information will be removed from my credit report and Experian never provides an answer.
Product: Credit card or prepaid card

Account number ending in : XXXX Wells Fargo case number : XXXX. The XXXX XXXX XXXX XXXX XXXX accounts that you may be responding to, were not being reported by XXXX  nor XXXX  XXXX however it appears XXXX XXXX was reporting to XXXX  only. It turns out these accounts were duplicates, paid and have been removed. See upload. These reporting 's were being reported in error. Now I kindly ask that you restore my credit line back ... AND NO I WILL NOT REQUEST FOR AN INCREASE.
Product: Debt collection

I am a victim of identity theft and someone stole and used my personal information to open an unauthorized and fraudulent account with XXXX. I been receiving harassing and threatening telephone calls and death threats from Enhanced Recovery Company representatives.
Product: Credit reporting or other personal consumer reports

I have recently discovered that 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. The account starting in XXXX XXXX XXXX XXXX XXXX XXXX, are the accounts in question. Knowing that 15 USC 1681 section 602 A : states that I have the right to privacy, 15 U.S.C 1681 Section 604 A Section 2 : states a consumer reporting agency can not furnish an account without my written instructions, neither allowing by act 15 U.S.C 1681c. ( a ) ( 5 ) stating 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. Lastly and ultimately, 15 U.S.C. 1681s-2 ( A ) ( 1 ) states that 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: Mortgage

I have been in touch with Carrington mortgage company several times this month ( XX/XX/2023 ) I called on the 7 to make a payment and they refused to collect a payment, I called again to make another and they refused to take payment. The company stated they want a full payment or nothing at all. I could not come up with XXXX on the spot, I can make a regular payment several times this month to fix the late payments enough times to get me caught up. So I collected the money up to pay the XXXX at once I called today ( XX/XX/2023 ) carrington refused my payment again and stated that they will only accept through XXXX XXXX or XXXX XXXX. This makes me really uneasy because unlike XXXX XXXX or XXXX XXXX I can track when the money is taken out of my account who it went to at what time. So now Im forced to do it through these companies because they are certified and they trust these funds over my actual bank account. XXXX the first rep try explaining why its better but I failed to understand how it is better, then the supervisor named XXXX was very very insist on just XXXX XXXX  or XXXX XXXX. They applied a balance that I have that is XXXX so the full payment will be XXXX. I have had two mortgage companies prior to this company and was never told I HAD to use certified funds to make a payment let alone be denied ever in making any payment when behind. Im conflicted on sending it.
Product: Money transfer, virtual currency, or money service

The morning of Tuesday, XX/XX/2022 around approximately XXXX am Eastern Standard Time, I was attempting to access my crypto.com virtual currency account in order to sell the virtual currency I have on their platform for XXXX ( United States Dollars ). The representative " XXXX '' who was, and apparently still is, attending my requests stated that I needed to produce the following documents and information to gain meaningful access to my account. By meaningful access to my account, I am referring to the ability to sell, trade or send the virtual currency I currently hold on the platform to an outside/private wallet and view individual virtual currency balances. He requested the following information in order to, possibly, give me access to my account : 1. Your country of residence ; 2. Confirmation and reason for being in XXXX ; 3. The length of your intended stay in XXXX? 

4. Please provide a recent ( issued within the last 3 months ) proof of address : Utility bill ; Correspondence from a Government department or agency ; Statement issued by a bank/financial institution, or an authorized insurer ( should you use a credit card statement, please be sure to mask the card number ). 

I was either unable or unwilling to provide those documents at that moment and have no intention of telling crypto.com why I travel, where I travel or how long I intend to stay there. I similar will not provide them any other ridiculous information they request such as how many times a day I go to the bathroom in order to gain meaningful access to my account. I see no law anywhere which states I need to give them this information in order to get access to my own money. 

Another problem with their illegitimate attempts to prevent me from accessing my account is that, in the interim between when I clearly told the crypto.com representative " XXXX '' that I wanted to sell my coins and now, the value of the account dropped from {$410.00} to {$370.00} which it is currently at now. I want the {$410.00} XXXX dollar amount I requested in the morning on the same day when XXXX and/or crypto.com would not give me access to my account.
Product: Credit reporting or other personal consumer reports

My information has been exposed in the Equifax data breach. The following accounts, and inquiries are not affiliated with me nor are they authorized by me XXXX VIA XXXX XXXX XXXX, CA XXXX XXXX XX/XX/year> XXXX XXXX CO XXXX XXXX : {$6700.00} XXXX XXXX  XXXX Balance : {$32000.00} XXXXXXXX XXXX  XXXX Balance XXXX {$0.00} XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified this item listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly UPDATED all information which can not be verified.

Section 616 and Section 617 provide me with a remedy that Im about to seek. You are willful non complying with the FCRA.

Since you claim youve verified the account listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified this account based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy.

Please update this account, or inaccurate information, from my file immediately & send me the results to the address listed... 

XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

I went down to the courthouse to verify information concerning a bankruptcy found on my report. The information is not mine. The name is the same, but the social and address is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

After over 120 days of sending TransUnion several dispute letters directly using USPS certified mail green receipt return. They continue to willfully ignore, not take any actions, and continue to furnish detrimental inaccurate negative accounts on my consumer report. I have attached the most recent dispute letter I sent them below just for CFPB records. TransUnion has been in receipt of this letter now for over 35 days and willfully has not taken any action as legally required. TransUnion continue violating multiple sections of the Fair Credit Reporting Act including 15 USC 1681i by failing to properly and legally investigate these erroneous accounts. With the help of the Federal Trade Commission and my State Attorney General, I will be enforcing for all damages I the consumer have incurred pursuant to 15 USC 1681o of the FCRA.
Product: Credit reporting or other personal consumer reports

I am filing this complaint personally. After reviewing my credit record, I found late payments present. Despite sending letters over 30 days ago, I have not received a response, and satisfactory validation has not been provided. I kindly request your assistance in resolving this matter.
Product: Consumer Loan

In XXXX 2012 I bought a Jeep that was financed by a jacked up company called Lobel Financial. I started having problems with them right out of the gate, way before the first payment was ever due. They jacked up my payment by {$66.00} a month claiming that the required proof of insurance had not been provided. They 're blatant liars. Proof of insurance had to be submitted before ever being to take the vehicle from the property. This continued throughout the entire time I had possession of the vehicle. I will be submitting proof of this claim. Before the first payment was due I got sick and was diagnosed with XXXX. I was on LOA for 3 months. I was struggling to survive & they kept jacking the payments up. Maybe a year into it, the picked it up. The Monday morning they took it, they also received a payment. I had called on Friday and given them the information but they made sure they had it picked up before the mail ran that day. While in their possession it was damaged. I fought and got it back but naturally not without additional fees. They made me sign a paper they refused to give me a copy of. I had a witness to that. It went along again for awhile and they did it again. I was n't going to fight for it the second time. The sow that works the XXXX XXXX office sold the vehicle & proceeded to sue me for the what the balance was when they took it which was about {$7000.00}. She really thought she was going to get both. Lobel Financial has repeatedly been asked for the proof of the sale to see what they really got for it and they have refused to provide. When we went to Court she claimed they only charged me {$66.00} one time, but that should never have happened. I maintained the proper insurance the whole time and that proof was submitted to the Court. The DOJ is finally taking a look at the practices of Companies like this. Now she has a XXXX XXXX trying to collect another {$2000.00}, balance is incorrect and not owed. I have submitted a complaint to the CA AG 's ofc to look into this matter as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm applying for a mortgage and it currently showing on my credit report that my account is in dispute. However I'm not disputing anything currently so I need all disputes comments to be removed asap. I need the discover account dispute to be cleared and the comments removed. I'm purchasing a house so I need those disputes comments removed. Please close the disputes on my discover account and remove the comments asap. the discover account number should be ending XXXX.
Product: Debt collection

24 calls so far for the month of XXXX. Have ask them to stop calling. They sent an email saying they didn't have an account in my name but, removed my number from their system? How do you have my number in your system, if you don't have an account for me? Have contacted an attorney about this and will move forward with legal action if this doesn't stop. Have all recorders of all the calls I have received for the last year. XXXX is the number that keeps calling me daily.
Product: Credit reporting, credit repair services, or other personal consumer reports

In regards to the Bridgecrest auto loan that was paid in full, there were two 30 day marks added on XX/XX/XXXX & XX/XX/XXXX. I was in an auto accident and the car was totaled at the end of XX/XX/XXXX. On XX/XX/XXXX, my  insurance agency XXXX sent a check to pay the account off out on XX/XX/XXXX. On XX/XX/XXXX I received  another notification from XXXX that a new check was resissued to Bridgecrest as the original check dated XX/XX/XXXX was never received by Bridgecrest due to XXXX sending the check to the wrong address. This in no part is my fault and the two late marks received should not be on my credit. I have asked Brdgecrest to  correct the reporting and they state that they have no capabilities to make the corrections which I know is not true. I am a Veteran trying to purchase my family a new home and these two false late marks are keeping me from doing this. Please help!
Product: Checking or savings account

I got a reply, but I couldn't get the answer I wanted. 
The bank is shirking its responsibility by answering that it is not its authority. 
you must be transfer responsible department about this issue. 
I got the money back. after in ten days
Product: Credit reporting, credit repair services, or other personal consumer reports

My account was hacked on XXXX mail order credit company, fraudulent charges was made of XXXX, my address was changed to a CA location and also my E-Mail was changed. I sending in to all 3 credit reports the official police report, letter of complain to the Office of the Attorney General of State of New York. I received a letter from the Attorney General their office spoke with XXXX and the unauthorized charges will be removed. 
My account now reflects a XXXX balance which was before this incident happens. 
The address in CA still appears on Equifax report and XXXX report. 
XXXX has given me all kind of excuses first it told me that only XXXX can remove this address from my file. After it said that if I sumitted all the proper documents it will be deleted. I submitted all the proper documents now XXXX send me another noticed that it ca n't make changes without contacting the furnisher of the information or the vendor who collected the information from a public record. I have to wait 30 to 45 days it will provide me with the result.