23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

In XX/XX/2022 I closed my BofA account, paid my outstanding credit card bills in full and consequently called ( this is the only option BofA provides for cancelling/closing credit cards!! ) to cancel/close my credit cards ( mine and my wife 's ). 
After this date I received added charges on these cards for which the bank wants me to pay. I do not accept these charges as they happened after cancelling/closing the account. 
- I contacted the bank by telephone to no avail. There was " nothing '' the operator could do other than suggest I pay the bills - I have sent XXXX!! registered letters to the BofA address as advertised on their website and both returned with the message " return to sender not deliverable as addressed unable to forward '' - There are no other options to contact the BofA about this issue. BofA refuses to respond in writing or any other recorded conversation. 
- I currently do no longer live in the XXXX and can not visit an agency There is a gross disrespect for the customer and an intended neglect of the issue by the BofA. The BofA tries to force the customer to pay by making proper written communications impossible to resolve the issue. A court action is an option no easily available to most and to costly against a giant like BofA. I would hope that the CFPB can address this with the BofA
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified accounts 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 creditor documentation on file to verify that this information is 100 % true, accurate & correct. 
In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? 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 CORRECT or DELETE all information which can not be verified. 
Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly.

They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX, XXXX XXXXXXXX /NEIMAN XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received your response Last XX/XX/XXXX that you Close MY COMPLAINT # XXXX, XXXX that I sent a on XX/XX/XXXX to Investigate the Erroneous Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA and Account XXXX XXXX XXXXXXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00} that is UNKNOWN to me. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days and yet the problem is still reporting in my credit file and you closed my complaint to protect my privacy. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Attached a copy of my Drivers license, Tax Return Number, and Utility bill to inform you that I am the one asking your help to investigate the inaccurate information listed in my credit file since the credit reporting agencies are not doing their obligations in my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am appalled by the ability of the Credit Reporting Agencies to keep ignoring a consumer 's request for the correction of the disputed account on my Credit Report. Under the FCRA section 609 and 611, the Credit Bureaus are required to verify the information and status of the accounts being reported on my Credit Report. But in my case, Experian has kept reporting the disputed accounts claiming that the information they present is accurate, in which I greatly disagree. I am submitting this complaint to you today to request that Experian provide me copies of documents bearing my signature to verify the status of the disputed accounts. If the Credit Bureaus failed to comply with the condition and continuer the reporting of the disputed accounts, please understand I will seek legal action. I need the accounts DELETED as soon possible : XXXX XXXX Date Opened XX/XX/XXXX Balance {$1600.0XXXX XXXX XXXX XXXX Date Opened XXXX XXXX, XXXX Balance {$1400.00}, XXXX XXXX Date Opened XX/XX/XXXX Balance {$1900.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : INQUIRY REMOVAL While checking my recent credit report. I noticed unauthorized credit inquiries made by the following company : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 I did not authorize anyone employed by these companies to make any inquiry and view my credit report. In addition, I did not give TransUnion permission to furnish this information onto my credit report. 
This is a violation of the FCRA Section 1681b ( c ) which constitutes as fraudulent activity and is also a serious breach of my privacy rights.

Please validate this information with this company and provide me with copies of any documents associated with this account bearing my signature, authorizing an inquiry.

I also demand of any such documentation bearing my signature, I formally requested that this unauthorized inquiry be immediately deleted from the credit file you maintain under my social security number.

Please note that you have 30 days to produce the requested contract and to complete this investigation, As per the fair Credit Reporting Act Section 611.
Product: Checking or savings account

My name is XXXX XXXX and I am a customer of PayPal 22 days ago, PayPal limited my account and asked for some documents such as ID card, bank statement and proof of address in order to fix my account back but since I submitted I haven't heard from PayPal and this is a very unfortunate situation. 

I would want PayPal to fix things right
Product: Credit reporting, credit repair services, or other personal consumer reports

The company is publicly reporting account information that contain several errors and information that is excluded under the Fair Credit Reporting Act. The company is also publicly reporting credit inquiries which do not belong on a consumer report. All of this information is being reporting without my expressed written consent. And the company has no authority over me to report anything with out my expressed consent. The information is defamatory and is intended to abuse me as a consumer.
Product: Credit reporting or other personal consumer reports

XXXX  ( XXXX  ) XX/XX/year> This inquire was unauthorized and I want it removed immediately
Product: Debt collection

I'm submitting this complaint in reference to ONLINE INFORMATION SERVICING knowingly reporting inaccurate data. My credit profile is affected by these penalties this looks SUSPICIOUS AND DECEPTIVE, I demand proof *TO SEE* Valid Authorization/proof of alleged debt. Report without valid proper discloser requirements are in direct violation of my consumer rights. I, XXXX XXXX legally requested a description of details of the verification process used to verify this alleged account. Federal law requires you to respond in 30 days failure to comply with these federal regulations by FTC us 641, et esq
Product: Money transfer, virtual currency, or money service

PayPal close my account for not reason and them will not help me with Getting it back up and going. Every time when I try to withdraw my money from my account PayPal hold my access. 
They just made all difficult for me. My account was already verified with all my personal information and I never made any mistake. 
I never had dispute or charge in my account. I do not know what the problem with PayPal is, but many Users have same problem, and the only answer of PayPal is said was Fraud activity. 
IF PayPal just hold money for everybody, I Guess PayPal must fix the problem. 

my account is associate with the email XXXX XXXX
Product: Bank account or service

I signed up for a new Citigold checking account based upon an offer that was presented to me online on Citibank 's website. The offer stated if I met the conditions I 'd be awarded with XXXX ThankYou Points. I confirmed through Citibank 's secure messaging system that the promotion was applied to my account and I 'd subsequently met all conditions ; additionally was notified I 'd be receiving the bonus within 90 days of meeting the requirements. Today, I was notified by Citi that they were incorrect and my account was never eligible in the first place. I 've been charged account fees of {$60.00} over the past 2 months whilst waiting for the offer to come through. Citi stands by their remarks and refuses to honor the bonus.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX, TN XXXXXXXX XXXX XXXX XXXX XXXX  XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  CA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$490.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$660.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these inquiry deleted or updated. These are the items I demanding to be deleted immediately 1. Did not consent to unauthorized inquiry XXXX  Date of inquiry : XX/XX/2022 Please remove it from my credit report.
Product: Debt collection

In XXXX of XXXX, I received a lawsuit notice from this company, which is also a collection agency as well. The notice stated that it was for the amount of XXXX which shocked me because this was for a XXXX card that I knew I made a final payment for in XXXX of XXXX. 

I immediately called them and requested to drop the lawsuit and/or get this balance to be disputed and reviewed. They claimed they mailed out a demand letter in XXXX of XXXX. I told them I never got it and they rudely responded with " There is nothing in the notes that states we got a return letter ''. I then told them I never got the letter. 

I also immediately responded to the complaint as this has turned out to be a very long pending investigation. 

Many weeks later I get a letter directly from XXXX stating their " I still owe the money '' after further investigation. There was no other explanation. I called the collection agency again and asked them to drop the suit and they again rudely responded with " our client does not allow that ''. They also refused to give further details on why the dispute was rejected. 

In XXXX of XXXX, I found out that my identity was stolen. This credit card they are referencing too was open during this period of time. 

They also refused to give actual debt details and refuse provide any evidence of any contact in regards to this debt prior to the lawsuit. They do not have any prove that letter was mailed out. 



I already filed a complaint against XXXX for failing to follow on the credit card act Levy Law and Associates LLC failed to follow on the collection act as well.
Product: Credit reporting or other personal consumer reports

When my car was XXXX my purse was in it with my XXXX and my social security cards
Product: Credit reporting or other personal consumer reports

Transunion and XXXX are reporting these accounts late when they shouldnt be.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom it may concern : I was shocked when I reviewed my credit report major discrepancies my credit report among all the 3 major credit agencies. There are multiple inaccuracies with the way this account is reporting and this is total violation of FCRA ; such as terms ( 61 months? ), wrong original balance, wrong date of last activity, date open, etc. 

I am not sure how this happened, and I believe if i read the fcra correctly it says that in order for a item to be reported to the credit bureaus it has to be 100 % accurate, 100 % verifiable, and 100 % timely.
Product: Credit reporting or other personal consumer reports

n 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. 

XXXXXXXX XXXX XXXXXXXX And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

I looked at my credit score on XXXX XX/XX/year> and noticed some inaccurcies, And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In XXXX, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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.

15 U.S.C. 1681B ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed, a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt XXXX, which falls under XXXX  according to XXXX-Debt XXXX  Final Rule 1002.142 ( b ) ( 4 ) - ( 5 ) -- -- -- 1002.142 ( b ) ( 7 ). 

I have provided my photo ID along with the other required documents. 

I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act.

I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )
Product: Credit reporting, credit repair services, or other personal consumer reports

Please delete these hard inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, my report shows two separate inquiries made by Embrace Home Loans and XXXX XXXX from XX/XX/XXXX, which I did not authorize. Today, XX/XX/XXXX, I called XXXX XXXX  and the gentleman informed me that they were authorized by Embrace to run my report to see if I qualify for a home loan, which I am not currently looking to purchase. When contacting Embrace Home Loan, I attempted multiple times to call from my mobile phone and called three different numbers in which the message stated the numbers were all disconnected. I then called from my work landline, and finally got through. The young lady I spoke to stated the company looks up random names, research their information and forward it to a credit company for approval odds and should not post as a hard inquiry on my report, it did. She then forwarded me to their specialist which did not answer my call to see what can be done about removing the inquiry. These inquiries were just posted to my report and affected my score. It is unacceptable for any company to run a report for approval odds of any kind without authorization.
Product: Credit reporting, credit repair services, or other personal consumer reports

Annually I have to dispute the negative reporting by two companies on my credit report. Possible Financial and XXXX, most recently I disputed the negative reporting today and hours later it went from closed back to open. The credit reporting agency verified in XXXX that both of these were fraudulent and they were removed from my credit only to return again. I have filed police reports, provided the information to these companies in XXXX and XXXX and submitted many disputes with these accounts to the experian they got removed and then months later return. I have been turned down for XXXX pre-approval home loans and currently denied A loan by my bank because of these accounts. My personal information has been comprised and I have had to work hard to close fraudulent bank accounts, store purchase cards and these are the last XXXX. This is affecting my family and creating a financial burden for me.
Product: Credit reporting 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 15 USC 1681. 

XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX : # XXXX XXXX XXXX  XXXX XXXX, has violated my rights. 


15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 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 my written instructions.

15 USC 1666B : A creditor may not treat a payment on an account under an open end consumer credit plan as late for and purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM THE VICTIM OF IDENTITY THEFT, PLEASE HELP ME RESTORE MY IDENTITY. 

BLOCK THE FOLLOWING DATA WITHIN 4 BUSINESS DAYS. 


ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX- XXXX INQUIRIES : XXXX  XXXX  XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX XXXX  XXXX  XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 it shows a loan for {$720.00}, which did not come from me that lowered my credit that I am trying to establish. It showed me on XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I don't know why these inquiries are on my credit report. XXXX refused to remove them and told me to contact the companies that made them. There is no information to contact these companies ( no phone number or address to dispute inquiries ) and XXXX doesn't even give the full name of the company. So how am I supposed to contact all of these companies? Here is a list of all the inquiries that are incorrect : XXXX Address XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX, XXXX Address XXXX XXXX XXXX XXXX, XXXX  XXXX Date of inquiry XX/XX/XXXX XXXX, XXXX Address XXXX XXXX XXXX XXXX, XXXX  XXXX Date of inquiry XX/XX/XXXX EQUIFAX MORTGAGE SER Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Date of inquiry XX/XX/XXXX XXXX, XXXX Address XXXX XXXX XXXX XXXX, XXXX  XXXX Date of inquiry XX/XX/XXXX XXXX, XXXX Address XXXX XXXX XXXX XXXX, XXXX  XXXX Date of inquiry XX/XX/XXXX XXXX Address XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX  XXXX Date of inquiry XX/XX/XXXXXXXX XXXX XXXX Address XXXX XXXX XXXX XXXX, XXXX  XXXX Date of inquiry XX/XX/XXXX EQUIFAX MORTGAGE SER Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX  Address XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Date of inquiry XX/XX/XXXXXXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Date of inquiry XX/XX/XXXX EQUIFAX MORTGAGE SER Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXXXXXX XXXX XXXX Address XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Date of inquiry XX/XX/XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Date of inquiry XX/XX/XXXX