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

I am writing to express my deep frustration and disappointment with the ongoing issue concerning the removal of fraudulent items from my record, despite my XXXX attempt to rectify the situation. Despite providing comprehensive evidence and diligently following the prescribed procedures, it is deeply concerning that the problem persists without resolution. Despite my persistent efforts to address this matter, it is disheartening to encounter continued obstacles and delays in achieving a satisfactory resolution. I urge you to prioritize this matter with the utmost urgency and take immediate steps to remove the fraudulent items from my record. Furthermore, I expect to be kept informed of the progress made in addressing this issue and seek appropriate compensation for any damages or losses incurred as a result of this persistent error. With this, I am asking for your assistance to remove the 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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 XXXX XXXX XXXX. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX 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 XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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. 

( THE ACCOUNTS BELOW HAVE VIOLATED MY RIGHT TO PRIVACY ) XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX # XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Debt collection

I went to buy a used truck from a local car dealership to get a better used truck since I had a stable job and had a good credit score ( 9 months prior to XXXX 2015 it was  around 750 ). I had no thoughts that I wouldnt be leaving that day with the same one I had rode in with but thats what happened..the financial guy came out and asked me about some delinquent credit cards on my report to which I had no idea about. Turns out there were 4 fraudulent cards made in my name and I had no idea about any of them. Within the next few days I had my SSN froze, a police report filed at the local police station and at least 20 different disputes over the last few years with multiple credit bureaus/creditors stating that it was identity theft and slander but XXXX XXXX is refusing to remove it. They have made no effort to resolve said issues and I have made more than enough of the effort. All of the other accounts that werent mine have recognized the fraudulent activity and removed the accounts immediately.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I filed a complaint with CFPB stating this " ACCOUNT NAME XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 USC 1681 section 602 A States I have the right to privacy. 15 USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 more than seven years. 15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate I HAVE NEVER given authorization nor permission to report to credit nor do i have an account with this agency! My rights has been violated and they are in violation according to the statutes mentioned above '' Not only did they furnish my credit report without MY consent but responding to me with no resolve constitutes as identity theft. They have addressed me as a " SHE, HER '' Ive given them the chance to resolve this discrepancy in good faith. Now i must seek legal action to remedy this. Im requesting the individual who responded to this complaint and position with the company. Also you will need to provide me the wet ink signature of me giving permission/consent to furnish my file with the credit bureaus
Product: Debt collection

NCB Management Services Incorporated is currently collecting a debt for XXXX different original creditors. XXXX acquired the loan ( via assignment ) on XXXX/XXXX/XXXX ( see attached ) and XXXX XXXX acquired the loan ( via assignment ) on XXXX/XXXX/XXXX ( see attached ). The original creditor was XXXX XXXX Bank who acquired the loan on XXXX/XXXX/XXXX when I purchased a XXXX XXXX at XXXX XXXX XXXX in XXXX, North Carolina XXXX see attached ). 

Neither XXXX XXXX XXXX nor XXXX XXXX is the original creditor as claimed by NCB Management ( see attached ). On XXXX/XXXX/XXXX, I asked NCB Management Services , Inc., for full and complete verification and validation of the collection account pursuant to Section 809 of 15 U.S.C. XX/XX/XXXX ( g ) of the Fair Debt Collection Practices Act. On XXXX/XXXX/XXXX, NCB Management Services XXXX Inc., claimed that XXXX XXXX XXXX was the original creditor for which it was collecting ( see attached ). On XXXX/XXXX/XXXX, after asking for validation of the debt, NCB Management Services XXXX Inc., provided me documentation which did not mention XXXX XXXX XXXX as the original creditor ( see attached ). Instead, XXXX XXXX was mentioned as the original creditor. This information is ambiguous, misleading, and false.
Product: Credit reporting or other personal consumer reports

Transunion, XXXX XXXX XXXX continue to report incorrect information on my consumer that is causing me harm and damages. Under federal law each consumer agency is required by the enactment known as the Fair Credit Reporting Act to report correct information or face penalties and fines for violations. There are several name variations and address that are not mine and should be immediately deleted or what they consumer agencies are doing is engaging is fraud. Because they are selling consumer information to various agencies it must maintain fairness. 

My name is XXXX XXXX there should be no other name on my report and or variations. Remove the other names immediately. My address is XXXX XXXX XXXX XXXX, CA XXXX there should be no other addresses listed on my report. 

Transunion XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX U.S. Code Title 15 CHAPTER 41 SUBCHAPTER III 1681 Quick search by citation : Title Section 15 U.S. Code 1681 - Congressional findings and statement of purpose U.S. Code Notes prev | next ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Product: Debt collection

This hospital was sent to collection and now is on my credit report.Which hospital bills are not to be reported on your credit and goes against HIPPA law .I will like for this account o be removed immediately following investigations
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted this complaint to update this suspicious information. 3 Credit Bureau must validate this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against it. 
XXXX XXXX Balance Owed : {$48000.00} ;
Product: Checking or savings account

Ive had 2 checking accounts and 1 savings account with US bank and recently my savings account was closed and US bank informed me that I would receive a letter stating why my account was closed and I did receive a letter but it didnt disclose why my account was closed. Now my last 2 checking accounts with Us bank have been put on a hold with any deposits and credits this week and I call and there is no information on why my account is closed. This is my last bank that I have and I have not done anything to have a bad banking relationship with them and I have only utilized my accounts for my job payroll checks and my settlement checks from my attorneys in the state of Nevada. I had limited access to how much I could spend on my debit card a day and it was XXXX I was not able to change my limit with it as well. I was only able to deposit a check if it was under XXXX dollars and I have only deposited 1 check with them and it was a mobile deposit with a cashier check. I feel like they are being XXXX towards me especially when I went into a branch to talk to the manager.
Product: Checking or savings account

On XX/XX/24 I filed a transaction Dispute used on my MoneyLion Checking Account and they denied me in 3 days stating it was not an error when indeed it was! I reached back out and I filed an appeal which took place on XX/XX/24. 

Today, XX/XX/24 I reach out to the company that charged me and they stated that the funds was removed from their end from my my Bank. Which I found quite interesting because I never even received a Provisional Credit from my banks behalf. I called instantly and they are stating that the investigation is still under process and that I do not qualify for a provisional Credit. Im 100 % disgusted by the customer service because they keep repeating the same thing and I can barely understand anything that is being said. I tried to get transferred to the Dispute Transaction department and they tell me that there is no way possible, they will reach out within the 90 day mark! 

I start checking the reviews for Money Lion and mostly every customer has gone through this and they never keep their end of the bargain when it comes to possible outcomes. If I would have known this I would have never put most of my hard earned money in their hands!
Product: Debt collection

I received phone calls from this company XXXX  debt recovery aka XXXX I had a phone call with this very scary lady on the phone a year ago it was early morning and she was very scary on the phone she had an aggressive voice and attacked me with her words I dont have her name And I received very scary emails with a list of regulation and rules to come after me for money that I assumed I paid at the time already when I rented and this situation had me very upset Im Not making stable income I had a lot of debt and they ruined my ability to rent a house due to a housing event issue on my credit also I tried calling them yesterday to resolve this and they wanted a lot of money Ive been suffering ever since they opened this and I dont know what to do anymore XXXX XXXX
Product: Debt collection

I never had any agreement with XXXX XXXX XXXX ; I have reported this to XXXX with no resolve.
Product: Credit card or prepaid card

I redeemed my credit card points for a virtual gift card on XX/XX/XXXX. The points were deducted from my account and I received an email confirmation that my order had been received and should be processed immediately or at longest I may need to wait 48 hours to receive my gift card. I never received my gift card. I called Chase on XX/XX/XXXX when I did not receive my gift card, they claimed they would escalate my inquiry and respond with an email in two days. I never received a response. I called Chase again on XX/XX/XXXX when I again had not received a response to my inquiry and had still not received my reward. I was told to wait just a couple days longer and that I would receive my gift card within two days and would receive an email response to my inquiry. I have still not received my gift card, nor I have been contacted in any way by Chase.
Product: Debt collection

Someone used my information to get a phone in my name. I am not responsible for this debt it is fraud
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I mailed letters to Equifax advising them that. As a consumer by law these accounts on this letter must be deleted immediately ''. I only received a response when filing a complaint here, these accounts still have not been removed. I have also previously asked these bureaus to update incorrect addresses and names listed on my report and they have failed to correct this as well. As requested I want these removed now. It is a violation to assign say any consumer owes a debt and that any debt is seriously past due date/ assigned to an attorney, collection agency, or credit grantor 's internal collection department. That is a violation of 15 USC 1692e, no lawyer, no collection agency or alleged credit grantor can act as a debt collector.
Product: Credit card

In XXXX I paid {$90.00} to Kohl 's Department store on my husband 's account instead of mine. When I received the XXXX bill I immediately contacted Kohl 's and was assured that the money would be transferred to my account from his and that late fees, etc. would be removed. In mid XXXX and in late XXXX I received telephone calls asking why my bill was not being paid. I explained the situation each time and was promised that it would be corrected. Employees I have spoken to include XXXX ( employee # XXXX ) and XXXX ( employee # XXXX ). 
Our account numbers are XXXX XXXX XXXX, XXXX XXXX XXXX. 
On XXXX XXXX I received a letter stating that my Kohl 's charge was being suspended and that my " refusal to pay '' was being reported to credit collection agencies. 
Please assist me in resolving this matter, so that our credit ratings are not effected.
Product: Money transfer, virtual currency, or money service

Citizens bank XXXX, XXXX XXXX, tying to get IRA withdrawal for XXXX month no money no paperwork XXXX for immediate withdrawal then XXXX every year for XXXX yrs payable on XX/XX/XXXX every year. Talked to my bank agent still no money or paper work of XXXX yr action. Bad communication on there side. This is bad business practice!
Product: Credit card or prepaid card

I own a XXXX XXXX  and I have a credit card with Bank of America. Merchants have credited my card on 2 separate times, XX/XX/2020 and XX/XX/2020. The credits are not posted to my statement or account online or on a mailed statement. 

I have contacted Bank of America credit card customer service twice in XXXX to inquire why the merchant refunds to my card are not showing up. The last time that I called was today XXXX. Both times I have been told by the bank customer service person that they see the merchant credits and they should be on my statements BUT they will not transfer to my statement for some unknown reason. The customer service rep could not tell me what my actual balance is nor could she point me to an accurate bank statement. On both occasions, the bank representative escalated to a supervisor who admitted this was a problem but there was nothing she could do about it except contact their Information Technology department and hope someone in IT could resolve it. There was no ETA given. The total amount of these charges is {$1100.00} but I have about another {$6000.00} coming from various merchants as I run a travel agency and these are credits for cancelled trips due to Coronavirus. The customer service agent, XXXX and her supervisor, XXXX, could not give me any advise except to hope that this can be fixed at some time in the future on the call today. Neither would give me someone else that I could contact to help get the situation resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX ( Collection Agency ) has been reporting to the credit bureaus and they are not licensed or bonded in the state of Texas.
Product: Vehicle loan or lease

To Whom It May Concern : Please note that VW Credit is denying letter of travel to XXXX from XXXX. 

It is not stated in my lease agreement, and I have submitted proof of insurance for both XXXX  and XXXX. 

I am a XXXX  resident. 

Many thanks, XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/year>, I was charged {$1200.00} by XXXX XXXX XXXX for a ticket from XXXX to XXXX. The flight departed XXXX XXXX XXXX XXXX at XXXX XXXX  with the gate shutting around 30 minutes prior per usual. The ticket was not issued until, XXXX XXXX XXXX time, which is XXXX XXXX  CST. Which is AFTER the plane departed. We ( XXXX and I ) contacted the travel agency immediately and was told they would not issue a refund as this was an airline concern. We then contacted the airline ( XXXX XXXX # XXXX ) and was told that it was a travel agency issue and they refused to give me a refund as well. On the phone with XXXX they admit to issuing the ticket after the plane had departed ( see video clip attached ). The ticket was unusable and services were not rendered. My bank account now ( Chase ), although I filed a fraud claim twice, is pushing the charge through as authorized. My account is overdrawn due to this mishap and I risk my account being closed down or worse being sent to collections. I have a time stamped email of when the plane ticket was sent which also proves it was sent after the departure time of XXXX XXXX  ( see attached photos ).
Product: Checking or savings account

Bank of Americas policy to stop all access of credit to manufacturers and distributors of AR and Semi auto rifle and magazines scares me. The thought that a large company can force law abiding citizens out of business for conducting legal constitutional business is wrong. BofA had no problem taking the tax money for a bailout but now wants to decided who can earn a living. BofA puts thousands of American jobs at risk. I think that BofA should be charged for the bail out and the government should cut ties with BofA.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to formally request the removal of incorrect information from my credit report. After obtaining a copy of my credit report from your bureau, I have identified the following errors : According to the Fair Credit Reporting Act ( FCRA ), you are required to investigate and correct any inaccuracies on my credit report within 30 days. 

Please conduct an investigation into these matters and remove the inaccurate information from my credit report as soon as possible. I also request that you provide me with written confirmation of the results of your investigation and an updated copy of my credit report.