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

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XX/XX/2023
Product: Mortgage

We received the response from our initial complaint, but we are absolutely not satisfied with our mortgage companys response. We want to know WHY our escrow account was been mismanaged in XXXX and HOW could they put us in this unfortunate situation. Our monthly mortgage payment from XXXX to XXXX has increased {$600.00} even with the escrow shortage being spread over 60 months. If we had known that our monthly mortgage payment was going to increase over {$600.00}, we would not have gone through with buying our home. And this increase is solely because of the failure of the mortgage company to appropriately manage the escrow account.
Product: Checking or savings account

Transaction : XX/XX/2020 {$12.00} Maintenance fee charged - ; Balance was over {$1500.00} Transaction XX/XX/2020 {$12.00} Maintenance fee charged - ; Balance was over {$1500.00} According to the written policy set by the business, the customer is NOT supposed to be charged a {$12.00} maintenance fee when the account balance is {$1500.00} or larger. 

XXXX XXXX XXXX XXXX  Regulatory Complaints Bank of America XXXX, extension : XXXX XXXX- XXXX A complaint with XXXX XXXX XXXX was filed on XXXX Business retaliated by referring me to its debt collector. The debt collector XXXX XXXX never answers his phonecalls. I am playing phone tag because the delegated rep never answers his phone during his posted business hours. 

The business assigned a rep XXXX XXXX who NEVER answers his phone during his posted hours. I am being forced to play " phone tag. '' His phone is set on " Do not disturb '' mode. I have left more than 6 voicemails and 2 emails asking the business to reverse the {$12.00} maintenance fee posted on XX/XX/2020 on my account. I do NOT know why the business rep Mr. XXXX keeps leaving voicemail when I am very busy. He just needs to look at my account and he will see the maintenance that was charged in error. My balance was over {$1500.00}. I presented the documents proving the error to the Attorney General and the XXXX XXXX XXXX Yet the business will NOT correct the error and still has Mr. XXXX leave voicemails when I am very busy. When I phone him, his phone is on DO NOT DISTURB mode. Why do I have to keep playing phone tag with the business? I am asking for assistance because I can not afford to play more phone tag with the business. 




Filed against : Bank of America Complaint Description : Business charged me fees. My balance was over {$1500.00}, which means the BOTH {$12.00} maintenance fees should have been waived. 

Your Desired Resolution : Business must refund {$12.00} to reverse the erroneous fee charged on XX/XX/2020 and stop charging maintenance fees.Business must follow its own written policies. Business needs to resolve the situation with a qualified rep who answers his phone during his working hours.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX Balance : {$690.00} XXXXXXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

A Credit Reporting Agency ( CRA ) sent attached letter reflecting the statement " Your written authorization may not be required to constitute permissible purpose. '' Per Section 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] of the FCRA reflects : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or Are CRA 's relying upon # ( 3 ) for the verbal permissible purpose? If so, should the person be listed on inquiries as the one responsible of pulling credit? If not, what part of the FCRA Section 604 is the reason for the statement " Your written authorization may not be
required to constitute permissible purpose ''? Does the FCRA then allow for that person to share with others?

Are verbal permissible purposes to a person wise in this time, XX/XX/XXXX, of rampant identity theft and fraud?
Product: Credit card

Dear Macy 's / XXXX, I hope this message finds you well. I am writing to express my disagreement with the findings regarding my account, which I believe is not accurately reflecting on my credit report as being late on XXXX and XX/XX/year>. 

I opened this account in XX/XX/year> with the intention of improving my credit score, based on the excellent customer service I received every time I visited your store. I take great pride in consistently paying my bills on time with all of my creditors. Therefore, I was surprised and deeply affected when I discovered discrepancies on my credit report, causing significant XXXX XXXX XXXX 

Last year, I faced several XXXX XXXX, including XXXX due to XXXX. During this time, I may not have been as attentive to my financial matters as usual. While I understand that you did not receive returned mail, I want to clarify that I did not receive statements at the address provided. Additionally, I believed that payments were being automatically deducted from my current bank account each month. 

I strongly disagree with the assertion that I was late on payments between XXXX through XX/XX/year>. This is incorrect, and I am perplexed as to how this misunderstanding occurred. My belief was that payments were made promptly upon receipt of statements. It is possible that my statements did not reach me during this period.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I review my updated credit report in Identity IQ, I realized that the same information was incorrect. The 3 credit Bureaus are required to validate 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 reinvestigate the unverifiable accounts below : XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$32.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX. I have been dealing with some fraud activity on my credit. I have been working closely with all three bureaus. Someohow in the shuffle Equifax has made my file i accessible to me. In addition to this they have merged my file with someone elses. When I call to get assistance they only tell me that they see my file and nothing is wrong. When I try to see my file it tells me that I am someone else. I have spent numerous hours on the phone with them trying to get this straightened out and I hit a brick wall. I need help to get my accurate file back!!! This is ruining me and causing so much stress.
Product: Credit reporting or other personal consumer reports

I requested physical copy verification of accounts belonging to me.
Product: Credit reporting or other personal consumer reports

In XXXX while on XXXX XXXX in the XXXX I had student loans go into forbearance. Navient confirmed this telephonically after paperwork was received but reported it on my credit report at XXXX missed payments XXXX & 120 days late. It is now XXXX, my student loans have been forgiven 100 % due to 100 % XXXX XXXXXXXX and the loan was paid retroactively and closed. Despite dozens of requests to the bureau and the lender those two loans continue reporting four seriously delinquent payments and refuse to correct this error despite it being an error on their end and the account being closed and paid. This continues to have a XXXX  effect on my credit and has destroyed my ability to create a future. Ive been denied housing, employment and even XXXX resources and have suffered unnecessarily for years.
Product: Checking or savings account

Had problems with withdrawing and I had no idea who the person was and they couldnt stop payment dont have any idea when but I did notify them to let them know that I had no idea who that company was but I dont recall getting my money back
Product: Credit reporting or other personal consumer reports

Going over my monthly consumer report I've noticed that Equifax is reporting multiple accounts that's inaccurate and reporting unlawfully. They are reporting accounts that are not verified nor have my consent to report. I have a right to privacy in which this account never had permission form me which violates that right. I ask that Equifax thoroughly investigate these account to ensure all accuracy. There are no agreement between me and any of the companies reporting so how can there be a debt if there was never a balance agreed to be paid? where's the authorized signature from me? If Equifax continues to report these accounts knowing they're not verifiable then that's another violation against my rights on their end. Pursuant 15 U.S. Code 1681i - Procedure in case of disputed accuracy, I demand that these accounts be removed if you can not provide to me any signed agreements between me and the creditor reporting these accounts with my permission to report these accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today XX/XX/2022 I called XXXX XXXX XXXX to pay the deferred amount that was required during the timeframe of my former husband who has subsequently died. I called to pay the {$6000.00} and wanted to make the payment via a telephone payment. I was told has an alternative to send them a check via email and they said I have to send the check snail mail. I advised XXXX that I did not have confidence in the postal service because I have ordered a new ATM card that has yet to be delivered. 

I was also told that I would have request that the funds be applied to repay the XXXX that I needed at the time. That's what I understood would happen if I wanted to pay it sooner. Not SO! 

As a result of this this is what is TRIGGERING THE BALLOON NONSENSENSE. OR THATS WHAT THEY SOLD THE CONSUMER! SWITCH AND BAIT! FRAUD!
Product: Credit reporting or other personal consumer reports

I have a account from XXXX XXXX  that was supposed to be removed from my credit report. The account was officially closed/ charged off in XX/XX/year>. I have contacted Equifax to resolve this issue but its still showing negative on my credit report.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft. I saw that there are multiple negative and fraudulent accounts and inquiries on my credit reports which I need your help with to remove for me. I called the credit bureaus and they told me to send my FTC reports before they entertain my request. I did that and I even mailed my IDs and reports but they said that they did not receive them. I will attach the FTC reports here along with my IDs for your reference. Kindly delete the ff fraud accounts and inquiries from my credit reports. Fraud accounts are the ff : XXXX XXXX - XXXX - XX/XX/XXXX, XXXX XXXX  XXXX XXXX XXXX - XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX - XXXX - XX/XX/XXXX, XXXX - XXXX - XX/XX/XXXX, XXXXXXXX XXXX - XXXX - XX/XX/XXXX. Fraud inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

USAA RESOLVES FRAUD BY CONFIRMING IT DID NOT EXSIST.!!! See attatched USAA letters VERIFY USAA CREDIT CARD FRAUD CHARGES ***** If you still believe these charges to be fraudulent NO FURTHER ACTION IS NEED and We Will Continue to pursue this claim as fraud on your behalf**** of XX/XX/XXXX, {$49.00} XX/XX/XXXX, {$10.00} XXXX XXXX XXXX XXXX XX/XX/XXXX, {$12.00} XXXX & XX/XX/XXXX {$12.00} ( **USAA HAS NEVER PROVIDED CREDITS I ASKED FOR A REVIEW AND USAA SAYS DID NOT HAPPEN*** ). see attatched XX/XX/XXXX REVIEW OF YOUR FRAUD CLAIM IS COMPLETE *** No FRAUDLENT Activity Found After Review of Your Claim. ***??? How can there be No Fraudulent Activity when LETTERS XXXX XXXX ARE OF FRAUD TRANSACTIONS NEVER RESOLVED BY USAA.
Product: Credit reporting or other personal consumer reports

This is my 2nd endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$12000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$12000.00} XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, NY XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$12000.00} XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$810.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am deeply disappointed by the violation of my consumer rights through the dissemination of inaccurate information. Fair treatment is my entitlement, thus I kindly request a detailed account of their failures in upholding accuracy and compliance. The credit report I received is surprisingly inaccurate, given the expected adherence to the FCRA and applicable Metro 2 data field formatting standards. I challenge you to provide a verified, complete, and truthful document as evidence for each claim, as any deviation from these standards jeopardizes data integrity. My credit report is crucial to my financial well-being, and I urge the immediate removal of any false accounts for factual accuracy, verification, and compliance. 

Listed below are the Inquiries that are being challenged : XXXX XXXX - XXXX This inquiry was not authorized - I did not provide written consent for you to include this account on my credit report. Please delete it immediately. 

XXXX - XXXX This inquiry was not authorized - I did not provide written consent for you to include this account on my credit report. Please delete it immediately. 

XXXX XXXX XXXX XXXX XXXXXXXX This inquiry was not authorized - I did not provide written consent for you to include this account on my credit report. Please delete it immediately. 

XXXX XXXX XXXX - XXXX This inquiry was not authorized - I did not provide written consent for you to include this account on my credit report. Please delete it immediately. 

XXXX - XXXX This inquiry was not authorized - I did not provide written consent for you to include this account on my credit report. Please delete it immediately. 

XXXX XXXX XXXX - XXXX This inquiry was not authorized - I did not provide written consent for you to include this account on my credit report. Please delete it immediately. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX This inquiry was not authorized - I did not provide written consent for you to include this account on my credit report. Please delete it immediately.
Product: Credit reporting or other personal consumer reports

I/We, XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX Florida XXXX State, that I have never received nor used any credit cards, for the purchases of merchandise, services or for any other purpose. No Purchases or uses have been authorized by or with my consent or knowledge, and no benefit or value has been or will be received by me as a result of such transactions. Furthermore, I have never signed any application requesting the issuance of any said credit card, nor did I authorize any person to use a duplicate credit card issued under the above account number. I declare under penalty of perjury that the foregoing is true and correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting my complain today and I know that you have enough time to correct some of the misleading information previously reported on my credit file. Right now, I am not satisfied that you have completely fulfilled the guidelines of the Fair Credit Reporting Act in conducting your examination. I sense that the remaining accounts needs proper action to assure maximum possible accuracy on my credit file. For that reason, I am asking for you to correct these following accounts : XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$510.00}.
Product: Credit reporting or other personal consumer reports

I reviewed a copy of my credit report and it has come to my attention that TRANSUNION, XXXX and XXXX has violated my rights. XXXX ran an unauthorized credit report on me on XX/XX/XXXX from XXXX XXXX, XX/XX/XXXX from XXXXXXXX XXXX XXXX XX/XX/XXXX from XXXX, and XX/XX/XXXX from XXXX XXXXXXXX XXXX  XXXX ran an unauthorized credit report on me on XX/XX/XXXX Creditor name XXXX XXXX XXXXXX/XX/XXXX from XXXX XXXX, XX/XX/XXXX from XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX from XXXX, and XX/XX/XXXX from XXXX XXXX XXXX XXXX. And TRANSUNION ran an unauthorized credit report on me on XX/XX/XXXX Creditor name XXXX XXXX XXXX XXXXXX/XX/XXXX from XXXX, XX/XX/XXXX from XXXXXXXX XXXX XXXXXX/XX/XXXX from XXXX XXXXXXXX and XXXX XXXX. 

Inaccurate information on my consumer credit report Addresses, Names, Phone numbers off my report as they are not deliverable to me by the US post office, and they are not reportable as per the FCRA 15 USC 1681e ( b ) since they are inaccurate. 

I did not authorize such an inquiry and demand that you contact TRANSUNION, XXXX and TRANSUNION also I contact TRANSUNION, XXXX and TRANSUNION in writing to update and correct my personal information on file with your company. 

In accordance with the fair credit reporting act, TRANSUNION, XXXX and TRANSUNION. they have not ubdated my information yet, they has violated my rights. 

-15 USC 1681e ( b ) - ( Accuracy of report ). 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.

-15 USC 1681 section 602 A. States I have the right to privacy.

-15 USC 1681 section 604 A SECTION 2 : it also states a customer reporting agency can not furnish an account without my written instructions.

15 USC 1666 B : a creditor may NOT treat a payment on a credit card account under an open end consumer plan as late for any purpose.

15 USC 1681e ( b ) - ( Accuracy of report ). 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.
Product: Payday loan, title loan, or personal loan

I got a {$700.00} loan from this company thinking it would be over once they got {$700.00} with some interest back for it. Apparently their idea was to keep billing me {$180.00} for the next given period of time amounting close to {$4000.00} dollars! I already paid {$740.00} and now its showing that my pay off as of today is {$930.00}. I called them some odd weeks back to ask them if they would close out my account because after I did some research I realized they never told me about my right to rescind after one of their representatives called me to pressure me/ rushed me to docu-signing the agreement electronically did I get the information regarding the contract. I had already been duped into signing the agreement in so many ways ( basically me not knowing they were locking me into a predatory loan with super high interest rates ).
Product: Credit card

On XXXX separate dates I received inquiries on my transunion report. XXXX was an attempt to open a store card with XXXX on XX/XX/year>. That inquiry appears to be related to a The Home Depot credit card with Citi. The other attempt was made on XX/XX/year> and was for a XXXX, XXXX. store card. 

I did not apply for either card and I attempted to call both CITI BANK NA and both store card Companies but was unable to get in touch.

CITI BANK NA did eventually call me back and I was told that there was no attempt to open credit with them, though I argued that I can see the attempts via my credit monitoring services. No attempt at a resolution was offered. 

I then called XXXX again and was told to file an FTC report which I am doing.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$7100.00}, {$13000.00}, {$4100.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNTS 1.  XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7100.00} -This is not my account. 

2. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account. 

3. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4100.00} -This is not my account.
Product: Checking or savings account

XXXX / XXXX / 2017  over {$200.00} taken in fees due to the order that the bank posted deposits last.
Product: Credit reporting or other personal consumer reports

I acknowledge and appreciate the time you have dedicated to addressing the removal of certain information from my file, arising from an alleged identity theft. However, there are still remaining items that require your attention. According to the FCRA Section 605, it is mandatory to eliminate any items identified in an Identity Theft Report # XXXX. Previously, I have communicated these concerns in a prior letter, and I am reiterating them in this correspondence along with a new FTC report # XXXX : XXXX XXXX XXXX XXXX XXXX  -EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$32000.00} XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX Balance XXXX {$32000.00} XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX. I have informed my attorney of my intentions, and they are prepared to hold you accountable in the event of willful noncompliance. Please be aware that there is a four-business-day deadline for the removal of these reported items resulting from the alleged identity theft. I want to emphasize that I do not consent to XXXX or any form of automated verification.