23daVinci/CFPB_Complaints huggingface dataset:
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.

List of Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I recently ran my credit and found AMCOL on my report. Once again I had no knowledge of this debt!! I was never contacted by this company that is violating HIPAA Law! I never knew about this {$200.00} medical debt and now its in collections! Ive never signed any documents with AMCOL!! XXXX and XXXX has deleted but AMCOL is still reporting to XXXX!! Ive sent certified letters and no response! I want AMCOL removed from reporting inaccurate information on my credit!! I demand documentation with my signature showing I owe AMCOL this debt!
Product: Debt collection

I received the response from Enhanced Recovery regarding my dispute. The company advised they stopped collection efforts ; however, the debt is still reporting to my credit. At no time have I received a fraud packet that is mentioned in the companies response. I hired an attorney and that packet was not received by my attorney when I originally disputed the debt. The attorney received copies of phone bills that DID NOT HAVE MY NAME. No contract has ever been made with XXXX in my name. I have never had a XXXX phone number or account. Again, when I called XXXX years ago they advised the file was NOT in my name and the social security number did not match mine. It wasn't until years later I discovered that XXXX changed the account name to match my name. The account continues to report to my XXXX credit Bureau report. I do not owe XXXX for a phone bill. the validation of this debt has not yet been received. Additionally, any original contract will prove the debt is not in my name.
Product: Debt collection

I am reaching out to request the validation of a debt associated with an account. Additionally, I would like to explore the possibility of settling the account if validated while seeking an arrangement for the permanent deletion of the account from my credit report.

I kindly request your assistance in providing the following information for debt validation : 1. Original creditor 's name and contact information.

2. Account number and date of debt inception.

3. Detailed breakdown of the claimed amount, including any interest or fees.

4. Supporting documentation demonstrating my liability for the debt.

I kindly ask for your prompt support in providing this information within 30 days. To ensure fairness, I also request the suspension of any collection activities related to this debt until its validity is confirmed.

Once the debt is validated, I am eager to discuss a settlement arrangement. Furthermore, I kindly request an agreement to permanently delete the account from my credit report upon successful settlement. This mutually beneficial arrangement would allow me to rebuild my credit history without the negative impact of this debt.

I truly appreciate your understanding and cooperation in this matter. Please kindly reply to this email or arrange for an appropriate representative to contact me. I am available at the provided email address or phone number to discuss the next steps or provide any additional information required.

Thank you for your attention, and I sincerely hope for your assistance in reaching a fair resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following are incorrect inquiries on my report. I did not authorize these. 

XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of the accounts and inquiries listed below in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), as I am a victim of a data breach. Under these provisions, any account or inquiry resulting from unauthorized access or fraudulent activity must be blocked and deleted from my credit file.

Please ensure that the following accounts and inquiries are blocked and deleted from my credit report : ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Without Notice Citicard expired {$300000.00} worth of " Thank You '' points on my credit card account. I have paid my bill in full for over 20 years. 2012 I had over XXXX points and then come XXXX XXXX without notice they started expiring them. Since 2012 I continued to earn points racking up another {$200000.00} worth of points. I learned this pas Sunday that instead of the over XXXX points they owed me I had only XXXX points because that had expired XXXX points. Never on any credit card statement was I given notice the points were going to expire. Never was I sent a letter that the points were going to expire. Up to XXXX 2012 they never expired. But then they started taking them away. I have waited to reach enough points to take my family to XXXX and now that dream has been dashed by Citibank 's fraudulent methods. These were called " Thank You '' points. After being a customer over 20 years this is XXXX away to say Thank you.
Product: Money transfer, virtual currency, or money service

I became exposed to a significant scam by several apparently related parties masterminded by an organization calling itself XXXX XXXX XXXX ( XXXX ) XXXX with a XXXX XXXX address and fancy web site. This resulted in : eight withdrawal transfers by Wire Out Service, totaling {$86000.00} and four transfers by Online  Banking using Bank of Americas XXXX process totaling {$23000.00}, all to multiple scam parties, for a total of {$100000.00} cost to my account from these 12 separate transfers, none of which was flagged by Bank of America. Only one of these transfers was under {$3000.00} in value, with five being of value ranging from {$9900.00} to {$24000.00}. 

My complaint with Bank of America is that the Banks systems failed to identify the wire transfer details and the other online transfers as fraudulent and/or as being made to improper organizations, prior to facilitating these transfers. The Bank also failed to identify that such wire and transfer amounts were materially outside of my routine banking operations, and to question these with me before facilitating the transfers, thus denying me the opportunity to stop these fraudulent transfers before they occurred. The Bank also advertises its XXXX process as providing a safe transfer method ; clearly this was not true in my case. 

These Bank failures are directly contrary to the verification commitment the Bank made to its online customers at paragraph 6 of  the Online Banking Service Agreement that controlled my account at the time of these transfers. This is that in order to protect [ me ], XXXX, XXXX and other Network Banks, [ the Bank ] may need additional time [ when effecting a transfer ] to verify [ my ] identity or the identity of the person receiving the money. During this period, and in any other circumstance when we need additional time to verify the transfer details, a hold will be placed on your account for the amount of the transfer ( my emphasis added ). The Bank has now supplemented this procedure with the introduction of additional controls in a revised on-line service agreement that became effective XX/XX/2020. This provides additional security by the introduction of significant value transfer limitations for individual transfers. In my case these values relate directly to the transfers that have caused the fraud on my account, for which only one transfer would have been in accord with these new limits. 

These enhanced controls in the revised Service Agreement provide prima facie evidence that Bank of America was aware that its  management of transfers from its online customer accounts required extreme diligence, that it failed to perform in my case on no less than 12 separate occasions. If the Bank had managed my account per these new standards I would have avoided all but {$1500.00} of the fraud I have experienced.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. The specific account in my file is still erroneous and incorrect I need it verified immediately. 
Here is the account that needs verification : XXXX XXXX XXXX XXXX... Balance : {$1700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the 3 Credit Bureaus after I purchased a credit report with XXXX on XX/XX/22. After receiving a copy of my report, I saw these UNVERIFIABLE items on my personal profile, I noticed that there were erroneous items on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus on XX/XX/22. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # XXXX, XXXX, XXXX and hoping that these accounts will be updated. 


XXXX XXXX XXXX Balance : {$1500.00} ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$13000.00}
Product: Credit card or prepaid card

I have a card with Wells Fargo financial. I am attempting to pay my bill online and by phone. I do not csrry a balance, but I have a {$35.00} dollar annual fee that is due tomorrow, XX/XX/2019, but I am unable to make a payment online or on the phone because the system is not operational. The web site says there is a problem with my account and to contact them at XXXX. When I call the number, an automated message says " Wells Fargo Financial '', music plays for several seconds, and the phone is disconnected. I get identical behavior when I try the XXXX number listed on the bill.
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 : Inquiries XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year> 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: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX  XXXX Balance : {$370.00}
Product: Credit card

I have a credit card account with PNC. 
They state I am entitled to 1.25 % cashback on every purchase, I made a {$1300.00} car payment for a friend to XXXX financial and they are stating because of the way XXXX coded the transaction that im not eligible. 
Spoke with at least XXXX people who all tell a different story, several have even agreed with me but in still missing a huge credit to my account. 
I firmly believe that PNC has ripped me and others off in the past and they are still doijg it as we speak.
Product: Credit reporting or other personal consumer reports

My personal and financial information was compromised without my authorization. 
the Family Educational Rights and Privacy Act ( FERPA ) protects the confidentiality of student records. This breach is a clear violation of FERPA and your responsibility to safeguard my information. Given the severity of this breach and the resulting compromise of my personal and financial information, I request that you immediately cancel and delete student loan debt in full. XXXX XXXX being a third-party he now has access to my SSN and other identifying information became aware XX/XX/XXXX. He also violated the Privacy act of XXXX and higher education act which governs student loan privacy.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. XXXX Accounts below violated my rights. 15. U.S.C. 1681 Section 602 A states that I have the right to privacy. 15. U.S.C 1681 Section 604 A section 2- Consumer Report Agency can not furnish an account without my written instructions. I have sent several request to remove inaccurate information and these account. Letters and documentation such as FTC was sent on XXXX, XXXX, XXXX, XXXX, XXXX,. Accounts below : 1. XXXX XXXX - Account # XXXX, and Account # XXXX 2. XXXX XXXX XXXX ( original creditor : XXXX ) - Account # XXXX 3. XXXX XXXX - Account # XXXX 4. XXXX - Account # XXXX 5. XXXX XXXX XXXX - Account # XXXX XXXX. XXXX XXXX  - Account # XXXX 7. XXXX XXXX XXXX XXXX Account # XXXX 8. XXXX XXXX Account # XXXX 9. XXXX XXXX XXXX - Account # XXXX, Account # XXXX
Product: Checking or savings account

I have 2 savings accounts with hundreds of thousands dollars for several years with American Express National Bank which were frozen for unexplained security concern 3 days ago. An email was sent to me with a phone number to call with no other information. Each time I called I have to go through a tedious security check followed by a long period of waiting, then either the back office were too busy to answer the phone or the phone was cut off after waiting. I have also left instructions for them to call back. I made 6 phone calls over 3 days without success getting in touch with the back office which is in charge of unfreezing the account. They have not called back either, even though I was told by 3 different operators that the message will be given to back office to call back urgently.
Product: Credit card or prepaid card

Citi Bank reduced my Sears Credit card limit from {$3000.00} to {$250.00} without any reason, notice or explanation. When I contacted Sears credit card, XXXX of Sears Credit card credit operation didn't provide details, but informed me there were delinquency on my credit report, I told him the delinquency report is not true, but he wouldn't listen.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on 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 US SM BUS ADMIN 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: Student loan

Originally my loans were through XXXX XXXX and also XXXX XXXX XXXX. Then my account was bought by XXXXMohela during the end of XXXX and beginning of XXXX while interest was 0 % due to COVID regulations. I have been paying XXXX payments toward my student loans while the interest rate was 0 % to lower my debt. I had a payment of {$400.00} and an additional {$280.00} since I was originally paying them to the separate organizations I figured that paying the continued amount to Mohela/XXXX  would help. According to their system I have only paid XXXX sums of {$280.00} for XX/XX/XXXX through XX/XX/XXXX. As of my records with my banking account, I have XXXX payments ( from the last XXXX months ) that show a cleared {$400.00} payment to Mohela/XXXX. I will be gathering more information from my bank but it requires a cost to access those records. I asked Mohela/XXXX to give me a record of all my payments to them and the only thing that I have received is a document showing the last XXXX months. There is thousands of dollars missing. I should be close to ending my payback.
Product: Checking or savings account

I purchased a headboard bed through temu on XX/XX/year> for {$650.00}. The item arrived damaged so I submitted a return request that was approved. However due to the two boxes delivered I needed an additional return label I reached out to the temu seller who offered to send out a replacement or issue a partial refund. I advised the seller that I just wanted a return label they declined to do so. I reached out to wells Fargo and they denied my refund claim despite XXXX approving my request for a return and refund
Product: Debt collection

original lender- XXXX XXXX XXXX {$1300.00} collection comp- credit management company {$1300.00} I don't have any information about the account other than the amount. 
what its for, when etc i just noticed it on my credit report. 

theres nothing and then a date reported XXXX the amount past due line is N/A ... so how can i have a collection for an amount if i ahvent been pass due on that amount? 
i havent been to the doctor in a few years the last time i did i had XXXX XXXX so i dont know what this is. what little information i have is inaccurate.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, GA XXXX EXPERIAN XXXX XXXX XXXX, XXXX, XXXX Dear XXXX, I am writing to dispute the following information that appears on my XXXX report from XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX an XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Delete this unconfirmed inquiry lacking certifiable evidence unless physically certified verified proog is demonstrated per U.S. code 15 U.S.C s 1681 et seq.section 604 fair credit reporting act Once you have fullfilled my request, mail me an updated credit reportreflecting these changes. 
XXXX XXXX
Product: Debt collection

Nonstop calls from different numbers, all hours, saying my credit will be damaged, Ill be held a penalty. Asked to stop contacting me.
Product: Credit card or prepaid card

In XX/XX/2018 I received a promotion by email from Commerce Bank to apply for a credit card with 0 % interests for 16 months and 0 % interests on balance transfers with NO balance transfer fees. The maximum credit limit offered was for {$15000.00}. On the application I asked for a balance transfer from a HELOC in the amount of {$25000.00}. My next communication from the bank was that I was approved for {$15000.00} and they would send me a card soon. When I received the card and documentation I was charged a 5 %   balance transfer fee of {$700.00} dollars and the interest fee time frame was changed to 12 months. I called the card company and tried to work with a local branch to get the fee waived and I offered to pay off the balance for a return of the fee. All were rejected. 

It is my contention that the card I singed up for and the terms and conditions I singed are not the same as what was provided. I asked for a copy of my original application so I could verify what I signed up for and was told it could not be provided because I applied online. 

All I want is to cancel the whole transaction and get my 5 % ( {$700.00} ) fee back.
Product: Credit card

So for XXXX and XXXX I never received a bill come to find out my address was changed on my account and I never changed it. Even after informing them I found out my account had been closed and I have late fees as well as negative credit reporting because Bank of America allowed my address to be changed and it wasnt done by me
Product: Credit reporting or other personal consumer reports

UNABLE TO CANCEL MEMBERSHIP EXPERIAN TRYING TO CHARGE ME.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EARLY WARNING XXXX XXXX XXXX XXXX XXXX AZ XXXX I am writing to request an investigation of the following information that appears on my early warning system consumer 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I dont recognize the following accounts in question. im a victim of identity theft and i dont recognize these accounts on my report. Im requesting the following information to be deleted from my early warning consumer report immedietly, ive attached a copt of the report to this request.