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

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

On XX/XX/2022 a fraudulent charge was made on my Bank of America VISA card in the amount of {$530.00}. 

I contacted Bank of America about this fraudulent charge and was told the charge would be taken care of in 3-5 days. Nothing happened, so a week later I contacted Bank of America again and was again told the matter would be resolved in 3-5 days. It's been over 3 weeks now and the charge remains on my credit card and I've heard nothing from Bank of America.
Product: Debt collection

Starting about XXXX weeks ago ( early XXXX ) I started receiving both phone calls and text messages from AMSHER. They would not leave voicemails and I wasn't familiar with the company so I didn't answer. Eventually a text message on XX/XX/24 included the phrase " AmSher, a Debt Collector. '' After that, I made a few attempts to answer the call to see why there were contacting me. In each case ( at least XXXX times ) when I answered there was a lag ( sounded like a " robocall '' connecting with a person ) and within a few seconds the call disconnected. I attempted to call back but it asks to press various numbers for various companies and I had no idea why they were calling so I couldn't even connect. Eventually, I just pressed " XXXX '' after being hung up on again and when I got a debt collector she immediately asked that I give her my date of birth which I, of course, refused since this could easily have been a scam. She told me " I'll mark it unable to verify '' and I asked what that meant and she hung up. I called back and told the next person I wanted to file a complaint. I was again hung up on/disconnected. I called again and eventually got someone who said he could help with a complaint but put me on hold and sent me to a debt collector for XXXX. I told that debt collector that I didn't think this debt was valid since I was on auto-pay and was told I'd pre-paid the last month when I terminated my service. He was rude and unnecessarily argumentative. He refused my valid request for a written bill. When I told him based on the evasive and unprofessional practices of his firm I would not give him payment information over the phone he was hostile and said " you gon na have to do some work, Sir. '' and hung up on me. I have yet to receive a written bill. I continue to receive numerous phone calls with no message. The company was rude, unprofessional, unnecessarily argumentative, and has harassed me with multiple calls with hang ups and refused to validate a disputed debt. They demanded I release personal protected information when I returned their call but wouldn't identify for what reason they were calling but also were sending text messages identifying themselves as debt collectors to an unverified number.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Student loan

Hello, I hope you are well. I am a current federal employee and feel so stuck by this XXXX plan. A huge reason why I am working in the government is to take advantage of the XXXX program. I have over XXXX eligible payments, and my goal was to get to XXXX in the next XXXX years by staying in the same job. 

I consolidated my loans in XX/XX/year>, and I have both unsubsidized and subsidized direct loans. My goal is to pay these of as soon as possible. I want to pay my loans and MOHELA and the Department of Education has made that impossible. I am being forced into a forbearance and they have placed me in a horrible position with no ability to figure out what the next step is. The Department of Education posted horrific guidance, that says we can switch to a different plan but it won't be processed for months. This is unacceptable. If the XXXX program is being held up in court, borrowers who want to pay should not be penalized.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have unauthorized inquiries on my credit report that I did not authorize. I have a fraud alert placed on my credit file that indicates anyone who runs my credit needs to call me and that was n't done and it violates my rights as a consumer. These unauthorized inquiries are a hindering my ability to obtain any credit. There are even inquiries listed from a dealership in another state that I have n't lived in 4years. I only have a car loan with XXXX XXXX XXXX XXXX XXXX. I has a preapproval before I got my car and I did n't need to be qualified through any other lender. I also did not give my permission to run my credit through any other lenders. I have tried to contact the companies in writing and by calling but to no avail I have n't gotten a response. I have contacted the credit bureau only for them to tell me I have to contact the creditors. I need a resolution to this problem because I did not authorize any of these inquiries listed below. 1XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX 2, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX 3XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX 4XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX 5.XXXX XXXXXXXX Reported XXXX XXXX XXXX { Finance } 6.XXXX XXXX XXXX XXXX XXXX XXXX XXXX 7 .XXXX XXXX { XXXX XXXX XXXX } These are all unauthorized some are duplicates from different occasions I did not apply for credit with these companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens XXXX Mo XXXX XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.
Product: Credit reporting or other personal consumer reports

I am disputing the inclusion of incorrect personal information on my credit report. The following details are not related to me, and I have no connection to them. I kindly request that this information be promptly removed from my credit report. 


XXXX XXXX XXXX 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

AGAIN I FILED A COMPLAINT AND ADVISED XXXX BACK ON XX/XX/2019 AND ADVISED THEM CREDIT SYSTEMS WOULD BE ATTEMPTING TO ADD AN ACCT THAT THEY ARE ILLEGALLY ADDING TO MY CREDIT. THEY REFUSED TO VALIDATE THIS DEBT BACK ON XX/XX/2019 AND THEREFORE NULL AND VOIDED THEIR RIGHTS TO ADD THIS ACCT. IT WAS ADDED AND REMOVED BY XXXX LAST YR AND ARE IN VIOLATION OF THE FAIR CREDIT REPORTING ACT. AND THEY ARE ASSISTING THE COMPANY IF VIOLATING THE FAIR DEBT COLLECTION PRACTICES ACT. THIS ACCT NEEDS TO BE REMOVED IMMEDIATELY. I AM REALLY FRUSTRATED WITH HAVING TO KEEP DOING THIS, BUT I HAVE WORKED TOO HARD TO BUILD MY CREDIT. THEY NULL AND VOIDED THEIR RIGHT. THIS ACCT IS OVER 1 YR OLD AND XXXX XXXX XXXX BREACHED THEIR CONTRACT AND REFUSED TO CANCEL CONTRACT UNDER Service members Civil Relief Act AND ALSO UNDER THE POLICY THAT I COULD CANCEL IF I HAD A MEDICAL CONDITION THAT DID NOT ALLOW ME TO XXXX ANY LONGER AND I HAVE SEVER XXXX. I ALSO RELOCATED TO ILLINOIS AND THEY COULD NOT PROVIDE THEIR SERVICES IN THAT STATE SO THEY COULDNT ABIDE BY THEIR OWN CONTRACT. THEY ARE NOT THE ORIGINAL CREDITOR AND RECEIVED MONEY BACK ON TAX RETURNS THEREFORE NO AMTS ARE OWED. THEY CAN NOT LEGALLY " DOUBLE DIP ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a Bank of America Credit Card where I make a XXXX dollar minimum payment. In XXXX of 2015 I was reported to XXXX as past due/Late. I have made numerous attemps in writing as well as verbally to ask for forgiveness as of said late payment reported. As to Date this blemish is holding down my credit score even though I have had stellar payment history previous to this action with Bank of America as well as thereafter. I want to make it clear that I have stellar payment history and I have been carrying out my obligations effectively.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the XXXX XXXX XXXX law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Bank of America and XXXX XXXX XXXX are illegally sharing my XXXX history without my permission or without sending proper contracts to opt in or out the sharing of my personal information. After recently getting denied for multiple bank accounts I looked into pulling my XXXX XXXX report and realized that they were in complete violation of US code and disobeying acts set in place to protect consumers such as myself ( I will list the codes and act below ). I realized the denials we're made because of the sharing of my information with XXXX XXXX and XXXX XXXX in which I don't have any contracts with same with XXXX XXXX XXXX. Bank of America has violated my privacy on 125 different transaction just as XXXX XXXX service done as well on 2 separate occasions. The code and Act listed : 15 U.S. Code 6802 15 U.S. Code 6805 12 CFR 1016.10 Privacy Act of 1974 5 U.S. Code 552
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX Account numbers listed below has violated my rights. 15 U.S.C 1681 Section 602 A. I have the rights 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 XXXX AXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX BALANCE XXXX XXXXXXXX XXXX XXXX XXXX XXXX BALANCE XXXX XXXXXXXX XXXX XXXX XXXX BALANCE XXXX XXXX XXXX XXXX XXXXXXXX BALANCE XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report has an account for XXXX XXXX and it is listed as a closed account. It is also reporting as being paid late this month which lowers my score. I have disputed it and have spoken to the customer service representative concerning this. The agent does not seem to understand XXXX well and continues to tell me that it will remain on my report for 7 years. I continually tried to explain that the report is inaccurate but nothing ever happens.
Product: Credit reporting 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 demanding to be deleted immediately : 3. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX XXXX XXXX XXXX XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 4. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 5. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX XXXX XXXX XXXXXXXX under 18 U.S.C . 1001 any false writing or document knowing the same to contain any false fictitious or fraudulent statement or entry shall be fined not more than XXXX Delete this immediately 6. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX XXXX XXXX XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$1600.00} XXXX  XXXX Balance : {$9300.00} XXXX  XXXX Balance : {$2300.00} XXXX  XXXX Balance : {$5200.00} XXXX  XXXX Balance : {$800.00} XXXX XXXX  XXXX Balance : {$1600.00} XXXX XXXX  XXXX Balance : {$9300.00} XXXX  XXXX XXXX Balance : {$5200.00} XXXX  XXXX XXXX Balance : {$800.00} XXXX  XXXX XXXX Balance : {$2300.00} XXXX XXXX XXXXXXXX Balance : {$1400.00} XXXX  XXXX Balance : {$7400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB, I'm writing out of desperation. 

I'm a XXXX XXXX XXXXXXXX customer, and have been using their credit card to pay off a balance transfer. I had set up automatic payment so that {$800.00} gets deducted every month. However, for whatever reason, this feature was turned off without my knowledge, and as a result my credit card balance went unpaid for one payment cycle. I didn't sign-in to my bank account because I assumed it was on auto pilot. 

It's weird that XXXX XXXX  XXXX didn't notify immediately but instead waited 1.5 so that they can charge me late fees. It wasn't until a week ago that I received a notice from them about the outstanding balance. I immediately called XXXX and they re-set up automatic billing ( which still doesn't show up when I log into my online account ). However, the damage has been done as my credit score went from a 727 to a 620. If they had notified me immediately after the first payment was missed, this would never have happened. It is irresponsible of them to wait until late fees have been added and the late payment has been reported to the credit bureau to contact me, especially given that I have never in my 20 years of being a banking customer missed a payment. 

I've always had excellent credit, have NEVER missed a payment in my life, so this is truly a major blow for my financial situation as I'm about to look for an apartment in the XXXX area but with a 620 score, I won't qualify for housing and am looking at the possibility of being XXXX I'm trying to rectify this situation and would appreciate your help. XXXX XXXX XXXX needs to be held accountable for what they did. 

I would like your help in removing the late payment from my credit report. 

From what I can see, they purposefully disabled my auto-pay, did not notify me that the payment didn't go through so that they can charge me late fees. In my 20 years of being a bank customer with many different banks including XXXX, XXXX, XXXX, etc. I have never encountered anything like this. However, I suspect XXXX is doing this to a lot of customers to generate additional revenue in fees. They need to be investigated and stopped. This is how regular, financially responsible people like myself can go from financially stable to destitute and XXXX. 

Thank you so much for taking the time to read this letter. I hope you can help me get this situation sorted out and hold XXXX XXXX  XXXX accountable. 

XXXX
Product: Checking or savings account

My account was shown negative om XX/XX/XXXX and i have till XXXX XXXX to add funds, so i am not overcharged overdraft fees. As of XXXX XXXX i added funds on XX/XX/2020 but PNC bank still charged me overdraft fee despite my account showed as positive at XXXX prior day. PNC took a lot of overdraft fees from me in the past which i did not dispute, but after making a valid attempt to make sure my account was positive on the day, PNC still charged me overdraft fees next day. I also contacted the customer service - despite them having failed BUSINESS rules, they denied to fix this problem.
Product: Credit card or prepaid card

Seems that during the COVID 19 pandemic the credit card company 's are lowering credit limits on top of balances. Account in good standing, never late as a matter of fact have no lates on credit report. Had a XXXX balance on a Discover Card with a XXXX limit. My statememt this month shows me having a XXXX limit. 

This has major impacts on credit scores
Product: Credit card or prepaid card

On XXXX XX/XX/XXXX I received an email from my XXXX account. It reported that my file had been opened even though I had the file locked. I called XXXX and an agent informed me that I should change my username and password. My account had been opened and my data compromised. No one has my password except me. Several credit report requests had been made while the XXXX account was opened. XXXX placed a fraud alert on my file, but a XXXX and XXXX report had been sent out even after the account had been locked and the fraud alert placed on my account. Credit applications were made in my name at XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX, XXXX XXXX and KeyBank. In addition there was a checking account opened in my name at KeyBank. How does this happen without personal presentation of a valid ID or drivers license at t report he bank? Moreover, how did XXXX supply a credit report to KeyBank well after the XXXX fraud alert was placed on my record? XXXX also supplied a report after the XXXX alert. I thought they shared information. I have filed a police report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX. Transunion is taking advantage of people seeking credit freezes in light of XXXX breach. They provide misleading sales pitches, purposely push a " lock '' in place of a freeze, and scammed me into a subscription that renews monthly and for which the price XXXX {$21.00} XXXX was hidden. To cancel you have to call them, and there is no way to get past a lengthy hold and reach anyone. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

The letter I sent to XXXX XXXX of So was returned to me yesterday. It has an invalid mailing address.
Product: Credit reporting or other personal consumer reports

I discovered charge offs on my consumer report. According to the I.R.S. Publication and laws charge offs are considered a certificate of indebtedness which is considered income and income can not be reported on my consumer report pursuant to 26 U.S. Code 61 / 26 C.F.R. 1.643/ 20 C.F.R 211.2. Please remove these accounts these inaccuracies are adversely affecting my credit score and reputation. I will be contacting appropriate agencies such as the Security Exchange Commission pertaining to security fraud.

These addresses are not associated to me and non mailable residences. 

XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Please remove these addresses.
Product: Credit card or prepaid card

On XX/XX/XXXX I notified American Express over the phone that I was a victim of identity theft and there was an unauthorized transaction on my credit card statement. I was instructed to submit a written statement by fax, which I did, and call back to initiate a fraud claim. I contacted the Fraud Department on XX/XX/XXXX to ensure they had received my paperwork and to initiate a fraud claim. I spoke to XXXX in the Fraud Department, and he confirmed that they had received the documents, initiated a fraud claim, and provided me with Case Number : XXXX. He stated that a credit will be applied in 14 days. I did not receive my credit so I called for an update, and I was told that I would have a resolution by XX/XX/XXXX. When I called for an update, they stated that the case has been resolved on behalf of myself, that they removed the charge, and that a credit will be applied. I called again XX/XX/XXXX when the credit still had not been applied and they stated that they were going to reopen the case, would have final resolution by XX/XX/XXXX, and that someone will call me in 48 hours with an update. No one called. 
XX/XX/XXXX, I spoke to them again and they ensured me that I would have a resolution by XX/XX/XXXX and that someone would call me with an update in 48 hours. No one called. 
As a loyal customer and victim of identity theft, I feel that I am being treated unfairly by American Express and its employees. For three months I have been instructed to give them more time and promised final resolution dates that they never follow through with. They already resolved the case and granted the claim on my behalf but keep pushing me off when I am asking for my credit to be applied.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM THE VICTIM OF IDENTITY THEFT, PLEASE HELP ME RESTORE MY IDENTITY. THE DATA LISTED IS THE RESULT OF IDENTITY THEFT. BLOCK THE FOLLOWING DATA WITHIN 4 BUSINESS DAYS. 

XXXX XXXX XXXX {$480.00} XXXX XX/XX/XXXX XXXX   XXXX XXXX {$730.00} XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX   XXXX {$53.00} XXXX XX/XX/XXXXXXXX XXXX* {$9000.00} XXXX XX/XX/XXXX *XXXX XXXX XXXX   {$5100.00} XXXX XX/XX/XXXX XXXX XXXX {$650.00} XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX {$960.00} XXXX XX/XX/XXXX XXXX XXXX   XXXX* {$53.00} XXXX XX/XX/XXXX XXXX XXXX XXXX {$5100.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX {$480.00} XXXX XX/XX/XXXX -- -- -- -- XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX  XX/XX/XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/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/XXXXXXXX XXXX   XXXX XXXX  XX/XX/XXXX XXXX XXXX I XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX