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

On XX/XX/XXXX, I discovered that my credit card with Bank of America ending in XXXX had been stolen. 

I immediately called Bank of America and initiated a fraud claim. I clearly stated to the investigator that I never received this card, meaning that I did not have possession of this card at the time the transactions were completed. BoA informed me on XX/XX/XXXX that I would be receiving provisional credit for all charges in the claim. On XX/XX/XXXX, they informed me via letter that they had denied my claim, citing the fact that my physical card was used to complete one or more of the transactions. I did not receive the letter stating this until XX/XX/XXXX, at which point I promptly called the fraud department again to request that they reopen my claim and clearly note that I did mot have possession of the card used to complete the {$8000.00} in fraudulent charges. 

I was told that my dispute had been reopened- but my claim status online is still closed. Additionally, my new card has been locked. When attempting to call a different department to resolve the locked card, I was told that they were unable unlock it, and that they would transfer me to the fraud department. After 10 additional minutes on hold, the call was terminated by the other line. 

I am simply requesting that my account be permanently credited for the charges that were completed with a stolen card, and for my account to be closed immediately thereafter.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXX 15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Franklin Collection Services is attempting to collect on a debt that is allegedly owed by me to XXXX XXXX XXXX. Case # XXXX. 

On XX/XX/XXXX ( via certified mail ) and then again on XX/XX/XXXX, I sent XXXX XXXX who is an account manager at Franklin Collection Services a FTC Identify Theft Affidavit attesting that the account in question was result of identify theft. Mrs. XXXX confirmed receipt on XX/XX/XXXX. Mrs. XXXX attempted to inform me that she needed to allow XXXX XXXX XXXX to conduct its own investigation, however, this is in direct violation of Federal Law since Franklin Collection Services is the furnisher of the erroneous information to the credit bureaus, not XXXX XXXX XXXX. 

Since Franklin Collection Services is currently furnishing the XXXX XXXX XXXX account to the three credit bureaus, and I have sent Franklin Collection Services a FTC Identify Theft Affidavit, Franklin Collection Services is mandated to immediately remove and retract this information from the credit bureaus pursuant to FCRA 623 ( a ) ( 6 ) ( B ).

The statue reads : " ( 6 ) Duties of Furnishers Upon Notice of Identity Theft-Related Information ( B ) Information alleged to result from identity theft. If a consumer submits an identity theft report to a person who furnishes information to a consumer reporting agency at the address specified by that person for receiving such reports stating that information maintained by such person that purports to relate to the consumer resulted from identity theft, the person may not furnish such information that purports to relate to the consumer to any consumer reporting agency, unless the person subsequently knows or is informed by the consumer that the information is correct. "
Product: Credit reporting or other personal consumer reports

I filed a dispute XX/XX/2023 for inaccuracies my my credit report, and TransUnion failed to comply TransUnion are not complying with thier own policies in a timely manner, please see attached.
Product: Credit card or prepaid card

On XXXX XXXX, 2019 at XXXX XXXX I was contacted by a representative from Kohl 's that my account was 58 days past due. I was shocked and immediately paid the entire balance with her. When I asked why I didn't receive a statement in the mail she told me I was signed up for email statements. I was not aware of this. I thought I was to receive paper statements. I then asked her if this incident would be reported to the credit bureaus and she assured me it would not be because I was not 60 days late. The next day I received an email from my credit monitoring service that my delinquency was reported even though I was told by the representative that it would not be reported. I have attempted two times to resolve this with Kohl 's and they refuse to admit their error and remove the delinquency from my credit report. Yes I was delinquent but I did not receive a paper statement. I honestly thought I had paid my bill in full in XXXX. I do not believe I signed up for email statements because I do not read my emails frequently. I have perfect credit and I want this delinquency removed from my credit report. It is unfair that I was told it would not be reported and then it was.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, my credit score was over XXXX. I have a perfect payment history, no credit card debt, have not opened new accounts or missed a payment. In fact, the only real activity for all of XXXX was that my average age of accounts got 1 month longer. On XX/XX/XXXX, Experian lowered my credit score XXXX points for no reason. I am now below XXXX. There is nothing in my financial activities in XXXX that would warrant a XXXX point drop. They will not let you speak to anyone on the phone about this fraud. They make sure that they are unavailable to discuss their misconduct. This change may increase my cost of borrowing at a time when interest rates are already going up. Experian makes money sharing my credit score with third-parties. Knowingly sharing inaccurate information is also slander.
Product: Credit reporting or other personal consumer reports

After several attempts to try to correct these accounts with the major credit bureaus they have violated my rights as a consumer, I have taken matters into my own hands and reviewed my rights in the fair credit report act law and have found that these accounts violated MANY LAWS. The accounts im referring to are listed below, and I have attached all the errors I am referring to straight from my credit report with marks, as well as cited all the laws they have seem to violated, if not more once I send to my consumer attorney if not addressed ASAP.

15 U.S.C 1681 section 602 A states I HAVE THE RIGHT TO PRIVACY 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. Inaccurate Reporting 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( A ) In general. Subject to subsection ( f ), and except as provided in subsection ( g ) if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the 611 - 15 U.S.C. 1681i 59 disputed information, or DELETE THE ITEM ( S ) from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller 15 U.S.C 1681 Section 604 A Section 2 : states that a consumer reporting agency can not furnish an account without my written instructions. I NEVER GAVE WRITTEN CONSENT TO THESE COMPANIES THE ACCOUNTS IN QUESTION : XXXX XXXX XXXX- ALL ACCOUNT NUMBERS ARE LISTED ON THE IMAGE ATTATCHED!!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit act XXXXFortiva Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A States I have a right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Mortgage

Fraud Alert - Misuse/theft of California Mortgage Relief Program {$22000.00} plus which was a monetary award to CATCH UP ON MY MORTGAGE PAYMENTS. 

all the attachments are self explanatory monies went all over the place and funds were clearly not used for back mortgage payments payments went up XX/XX/2022 for no reason, no notice, from {$2200.00} to {$2700.00} XXXX per month then latest statement had fees and charges that should not have been charged throughout waiting for approval award {$3200.00} ( 6 months ) defrauded from California Mortgage Relief Program my monthly payments should have went down as a property tax exemption was approved Please note this about the 5th complaint against this lender and results only come with CFPB involvement and in this case I have also advised California Mortgage Relief Program that their funds/award to help me was miss-managed by the lender ( LoanCare LLC ) My property tax and homeowners insurance is included in my monthly mortgage payments to include any shortages also come out of the monthly mortgage payments as there is money left over, after principal, interest, insurances ( 2 ) not to ding me like this, I truly hate this lender they have also blocked me out for when I send them emails, they no longer send me a receipt as received what happened to the unapplied balance???? 

Thank you. 

XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I transferred two fees on my loan a year ago. I paid extra each month to target that balance by XXXX extra each month. I noticed a balance transfer fee on my invoice and contacted the company to find out why I was being assessed am Interest fee and a balance transfer fee. I was told that the promotion had needed and I still owed almost the entire transfer that I did when I opened my credit card!! I explained to XXXX that cant be possible when I have never paid the monthly payment I always paid more. Like XXXX more each month. She told me the extra money each month goes to The interest on the current balance. I told her how is that fair to the customer and how the heck do I pay the balance transfer off if I as the consumer can not pay down the balance nor can I see the breakdown when I make a payment!!! She was rude did not want to understand how their practices are misleading to the consumer and not fair!! I asked to speak with her Supervisor, which she transferred the call to XXXX who was more pleasant and agreed to waive the fees that were assessed. I am writing to you to investigate this institutions process to ensure consumers and not mislead and taking advantage of!!
Product: Debt collection

Stop calling me I getting like 7 miss call daily and I just pull my XXXX Credit Report and I don't have any XXXX Acct next I Never ever give out my social security number to ANYONE I'm report this info ( FTC ) Federal Trade Commission so Stop calling me from this Number XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had identity theft happen and my credit has been ruinned as a result. Here is a list of the items I discovered on my report that need to be removed immediately thank you. 

Account Names : XXXXXXXX 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 have attached a report that was sent to XXXX XXXX via XXXXXXXX XXXXt but have not gotten a reply from the police department at the present time. Thank you again for your help.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX XXXX I requested that all 3 credit bureaus remove any inaccuracies on my report or remove the account. That information is still inaccurate on all 3 credit reports.

The credit bureaus stated acct name & account # was properly investigated but how is that possible if the open date is inaccurate, last active date is also inaccurate & the date last reported is not accurate. This is grounds for removal. They have also violated my rights under 15 U.S.C 1681 section 604 A section 2.

The law clearly states that a consumer reporting agency can not furnish an account without my written instructions. I havent given this account written permission to furnish this account on my credit report.
Product: Credit reporting 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 accounts 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/block any accounts 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. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Debt collection

On XX/XX/XXXX XXXX I received a phone call from LVNV Funding collection company, I notified caller that I'm representing by attorney, and provide my attorney phone number. This was my first communication with LVNV funding. I checked my credit report and see that LVNV claim that I have debt $ XXXX never receive any letters or communication from LVNV.I think that LVNV funding violating section1006.30 of FDCPA.I would like LVNV funding to remove {$2300.00} from my credit report.
Product: Credit card

Hello, a couple months ago I applied for a XXXX XXXX XXXX credit card with Synchrony Bank. I have yet to receive anything from them, however they have pulled a hard credit hit. No denial or approval, no card on the mail. I tried calling but since I had a charge off over 8 years ago with them ( time barred debt ), every time I call in they send me to collections dept and won't forward me to new accounts/applications
Product: Credit reporting, credit repair services, or other personal consumer reports

The items listed below are reported on my personal credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 

XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$730.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The CFPB closed my previous case WITHOUT MY COMPLAINT BEING APPROPRIATELY ADDRESSED! The Fair Credit Reporting Act ensures that fair and accurate information be recorded but Transunions credit scoring is not only unfair and inaccurate but they still have not demonstrated why it claims my poor credit scoring is due to too many derogatory and delinquent accounts and I can not find one. Their credit scoring and summary is damaging to me personally and diminished my lending opportunities of getting better rates, shopping credits or any loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

After carefully reviewing my consumer report, I realize my consumer rights have been violated. According to the Fair Credit Reporting Act, 15 USC 1681a Definitions : Rules of Construction ( 2 ) ( a ) ( i ) States the term consumer report doesnt not include any report containing information solely as to transactions or experience between the consumer and the person making the report. Late payments are a form of transactions and utilization is an experience created by credit usage. XXXX is reporting late payments on multiple accounts ( XXXX XXXX XXXX ) ( XXXX XXXX XXXX, XXXX ) ( XXXX XXXX XXXX, XXXX, XXXX ) XXXX XXXX Utilization is an experience created by credit usage. 15 USC 1681b ( a ) ( 2 ) states any consumer reporting agency may furnish a consumer report under the following circumstances and no other, in accordance with the consumer to whom it relates. I never gave XXXX written instructions to report anything to my consumer report, let alone this late payments/utilization. Also, according to 15 USC 1681 602 Congressional findings and statement of purpose states, There is need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. It also states 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 method undermined the public confidence with is essential to the continues function of the banking system. Nothing about the reporting of these late payments are accurate and my privacy has been violated due to XXXX violated my consumer rights by allowing these late payments/utilization to report to my consumer report!
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 XXXX XXXX XXXX. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

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: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed a copy of my credit report and I show company MIDLANDMCM, account number XXXX is listed as non-verified account. I have attempted on a number of times to have this account reviewed with no luck. I have been violated per the FRCA and also FDCPA. I will need help for deletion of this account due to attempting to purchase a home.
Product: Credit card

I paid my Lowe 's credit card in full XX/XX/XXXX, bill due the XXXX. previous balance was XXXX. Paid the XXXX XXXX XXXX XXXXI called an order In. Card was rejected. New card in mail I had XXXX recieved that had a different CVC number so no phone orders could be accepted. I called to find out what was wrong. Lowe 's credit card personnel told me if the new card. Told me to make a purchase I would have to physically go to store and my balance was {$0.00}. And asked if I wanted to increase my limit. .I asked if would pull hard check on credit answer was no. I was approved for an additional XXXX. 
XX/XX/XXXX no card received. I call XXXX XXXX. Still in Mail. Balance due by the XXXX of XXXX is currently {$13.00} XXXX I asked how they could do that and that I wanted this corrected ..I was told it's their policy. I told them that was insane. I asked for a supervisor and they were even more bold stating that's their policy and that as of XXXX XXXX they could charge whatever on whatever. I argued and made analygies to any other bill people receive and asked that the supervisor would like at the bill as a person for just a second and not an employee the tell me it's right ..they didn't ever consider the truth of this bill for Intrest on balance of XXXX
Product: Credit reporting or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the XXXX credit bureaus XX/XX/year>, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXXXXXX Balance Owed : {$46000.00} XXXX XXXX XXXX XXXX Balance Owed : {$46000.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$47000.00}