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

Bank of America is the biggest hypocrite in the banking industry. I had a {$500.00} card with bank of America for 6 years, I was never late nor was ever over the limit. in XX/XX/XXXX, Bank of America gave me an additional card with a limit of {$2000.00}. in XX/XX/XXXX, my nephew died and his family could not pay for the funeral, so in XX/XX/XXXX I took an advance ( s ) from the newer card to help my family defray the cost. immediately in XX/XX/XXXX, Bank of America closed both of my accounts without any notice or alternative. My payment history on all of my accounts, including these closed BOA accounts, for the last 5 years are 100 % on time. on XX/XX/XXXX I called the bank to see if my balance transfer from another institution paying of the remain balance, had posted. the representative told me that she would look into seeing if the credit card could be reopened. After review, she stated that she could not reopen the card on her end and THERE WOULD NOT BE AN INQUIRY ON MY CREDIT. after I hung up the phone with bank of America, I Immediately received an alert from XXXX, XXXX and XXXX  that Bank of America conducted a hard inquiry on my credit, although the representative XXXX, said there would not be an inquiry. Immediately Bank of America does not care about the individuals it serves, it only cares about its bottom line and ROA. They do n't deserve to have the name America in it 's title. I had the card for more than five years and was one of the older trade lines on my credit and when they closed it without notice or alternative it cause me a great financial harm. I feel they suckered me in to taking the additional card
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

XXXX XXXX XXXXXXXX : account # XXXX has violated my rights. 

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 counting any of the following items of information, any 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

I didnt catch the name of the debit collection company but I contacted the actual credit card company which is Comenity Bank XXXX branch and spoke with someone there. Discussed my financial situation right now. 

Someone from debit collections said I was 4 months behind but the lady I talked to directly from Comenity Bank ( XXXX  ) said I was 2 months behind. 

The man who wanted to argue on the phone from debit collections has called me 19 times in the last 24 hours and has only spoke to me once. Every-other time I have answered they hang up after 2 seconds.
Product: Credit card

RE : case # XXXXSo, in response to my complaint I get a scoulding from Capital One? Why and what do these groups think thier allowed to do? XXXX of all I am an adult. Next, I do not need to be incriminated as being irresponsible just because I am a female. Finally, my life and my finances are not for public viewing. Should we have each person who works for Capital One and other such credit lines place thier own finiances in public. Better yet, should any of these creditors place any part of thier personal doing into public eye including thier XXXX and phone conversations. Now does Capital One think they should have special privileges on anyone 's spending. Are they the federal reserve of which expenses and taxes flow? NoSo please view the Capital One response and tell me how I should grasp misconduct of the credit card companies bullying and bad medicine. Out with them. I am so upset and feel XXXX by this letter of suggestion that is not this Capital One or any other high interest rate XXXX is happening.
Product: Checking or savings account

I scheduled a payment of {$1600.00} to be delivered on XX/XX/2018, however, it has not been received by the apartment office up to now. All information I entered including the address is correct. As a result, I was billed a late fee of 5 % of the payment. I contacted Ally bank on XX/XX/XXXX since they should honor the " DELIVERY DATE '' selected on their website and reimburse the late fee due to their service failure, however, it was denied.
Product: Credit reporting or other personal consumer reports

XXXX placed a collection account on my credit report on XX/XX/XXXX. I responded by sending an FTC identity theft report because I don't have a contract with XXXX. XXXX responded by stating they were assigned an alleged debt of mine by XXXX XXXX. I never received any mail from XXXX XXXX or XXXX in regards to an alleged debt. Where is the proof a letter was mailed to me? There should be proof of delivery for the notice of assignment and my right to dispute an alleged debt as a consumer. Also, in accordance with the FCRA 15 USC 1692g, I'm requesting the following legal documents : 1. Your lawful authority to collect without my consent or 2. A copy of the original contract between myself and the original creditor where I agreed to the assignment of the alleged debt ; with my ink signature 3. An original contract between me and XXXX XXXX XXXX with my wet signature 4. The original purchase agreement that shows I'm the legal owner of this alleged debt. Please include all the terms and conditions that are included in the purchase agreement. 5. An affidavit signed under penalty of perjury that your organization has not violated any portion of the FCRA and FDCPA. 6. A verified certificate of authority and proof that your company is licensed to collect debt in my state. Provide me with a license number and registered agent or agent of service. 7. Proof that you have the chain of title to collect on this debt. Anything outside the scope of this evidence constitutes defamation of my character and I will be forced to take legal action against XXXX XXXX XXXX. Under the FDCPA, you are required to provide me with proper validation of any debt that you are attempting to collect. A bill of sale between you and the original creditor and account statements does not legally bind me to pay you an alleged debt. Your failure to do so is being documented and will be forwarded to my legal representation. Please note that there was a XXXX judgment levied XXXX XXXX XXXX from the Consumer Financial Protection Bureau for misleading and deceptive practices, illegal tactics, negligence, and willful noncompliance.
Product: Credit card or prepaid card

I applied for a XXXX XXXX card that is handled by Barclay 's Bank. According to my XXXX website I have a XXXX credit score. I pay all credit card balances each month. Barkclay 's denied my application for the credit card. I called the XXXX telephone number and was told that I would receive an explanation letter. That letter never arrive. A second call and I was told by a representative who was reading from a script that I could not be given information over the telephone. In the meantime, I had removed the freeze from my three credit reports and they were about to be frozen again. 

Without an explanation, I am led to believe that Barclay 's Bank is engaging in Age Discrimination. I am XXXX years old and retired. I have adequate retirement assets to pay off any credit card balance. There is no mortgage or any other form of debt. 

I believe Barclay 's bank should be censured and fined for its illegal practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX -- - This collections account has been paid in full and is resolved with the original account holder, this account should not be on shown on my credit report due to inaccurate information. 

Equifax and XXXX continue to not report this collections account inaccurately and showing a delinquent account with {$190.00} owed -- This is false and inaccurate information. 

XXXX has been transparent and is reflecting the correct information. 

Please feel free to contact the original account holder for verification of no balance being owed. Attached is e-mail communication that will verify this.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute a fraudulent account that was opened in my name without my knowledge or consent. The account in question was opened at Wells Fargo and has resulted in a charged-off balance that now appears on my credit report. 

I did not authorize the opening of this account and have never had any involvement with it. I believe I am a victim of identity theft. I was not even in XXXX at that time. 

Despite notifying Wells Fargo of the fraudulent nature of this account, they have refused to acknowledge it as such. I am therefore requesting that Wells Fargo immediately remove all information related to this account from my credit report under my rights granted by the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).
Product: Checking or savings account

My Suntrust business account was transferred to Truist and then closed. When my account was with Suntrust it was under review for fraudulent charges but once it was transferred to Truist it was closed. Truist then submitted my account to XXXX XXXX  which prevented my from opening an account under my business and also prevented me from opening a personal account
Product: Money transfer, virtual currency, or money service

I have an account with Robinhood Markets , INC. On the XXXX of this month, they unveiled some new ways to invest. The day after on the XXXX and since then I have not been able to access my account or my money and the app that allows me to do keeps telling me, Sorry were experiencing a server error. I've emailed them numerous times because you can not reach them by phone. The only response I got was they received my email and they will get back to me ASAP. I have yet to get any kind of response from them to date. They have approximately $ XXXX of my money. I want to be able to access it ASAP or my attorney will be contacting them with pending charges.
Product: Checking or savings account

They have revered a dispute with taking an amount twice and have approved it to be back into my account and its been two weeks and my account has over drawn they have changed my claims where I cant receive my temporary credit until the investigation is happening this against all banking regulations and police and I feel discriminated
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX - XXXX XXXXXXXX XXXX  - XXXX
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to have verified this. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

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

On XX/XX/2018, I attempted to obtain my annual free credit report using website XXXX. 

Although I was able to obtain my XXXX credit report TransUnion refused to provide report through this site without explanation. I reached out to TransUnion directly and requested an explantion and copy of said report to date TransUnion has refused to provide said credit report or reasons why the consumer can not obtain said report as mandated by law through XXXX
Product: Credit card or prepaid card

Previous CFPB XXXX. Company fail to dispute fraud charges : Account ending with XXXX. This company still haven't help me This is fraud charges : XX/XX/XXXX {$34.00}XX/XX/XXXX {$4.00} XX/XX/XXXX {$100.00} XX/XX/XXXX {$7.00}XX/XX/XXXX {$2.00} XX/XX/XXXX {$100.00} Please correct bill.
Product: Debt collection

Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. This company HAS NOT done this.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, Social Security Number : XXXX, Date of Birth : XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX XXXX  XXXX XXXX XXXX block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of accounts opened at Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account XXXX XXXX XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of fraud and identity theft and fraud
Product: Credit reporting or other personal consumer reports

I recently pulled my credit report and found some inaccurate accounts that were reporting. I have made a list of all of the inaccurate accounts that I would like removed. I am currently in the process of buying a home for my family. Please review all of my documents and remove the accounts that are listed.
Product: Credit reporting or other personal consumer reports

I am reaching out to express my concerns regarding several issues I've encountered with the credit bureau. These issues include incorrect account listings, inaccurate credit reporting, billing discrepancies, and accounts that do not belong to me. 

I would appreciate assistance in resolving these matters to ensure my financial stability.
Product: Checking or savings account

I have been battling XXXX XXXX XXXXXXXX this past year and have had limited access to internet, email, and mail communications. I have notified my bank and requested all communications be sent via text alerts, messages, or calls. I have added every alert I was able to on my accounts. Despite this both my business account ending in XXXX and personal account ending in XXXX ( the latter I have had for over 40 years ) ( And the former for almost 25 years ) were abruptly closed @ 10 days ago without any notification via call text, or message. As soon as I noticed this I called and have been unable to gain access to my transaction history which they have denied me despite the rules state they have to give me access to my closed accounts for 90 days. I have been a customer in good standing all those years, a couple of months ago an older wealthy patient sent me a check for {$10000.00} that he had inadvertently missed some withdrawals such that there were insufficient funds in the account at the time the transfer. But he quickly rectified the situation and Wells Fargo had left a note that they would try to recover the amount again in 3 weeks but apparently tried to recover the funds a week or two early when the patient had just rectified the situation and the monies had not yet posted and the bank claimed to have returned the check to his bank which his bank never received it and it took a few months to sort it all out and get the money rewired to my account. During that period of time all XXXX broke loose with my accounts and despite my attempts at the Bank with my manager who also saw that the bank had said it would retry to cash the check in 3 weeks it then changed its mind and supposedly sent the check back. Bottom line is that when an account is closed I am supposed to have 90 days to access the transactions and transaction history which has been denied to me after these accounts were closed. I am requesting immediate access to my account transactions for the next 90 days.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I went into the bank to apply for a loan. I was denied because when they pulled my credit profile the information that was showing belonged to my brother XXXX XXXX XXXX which included his SSN and DOB. Then I spoke with someone at XXXX consumer credit report and was informed that my Date of birth was incorrect. The incorrect date of birth reported was XX/XX/XXXX. They also told me I had a XXXX XXXX  account in my name for {$240.00}. I paid that bill on XX/XX/XXXX. My correct Date of birth is XX/XX/XXXX. I have sent in the following documation to all 3 credit companies XXXX, Experian and XXXX my Birth certificate, Social Security card, Identification card, along with Bank statement with proof of address. On XX/XX/XXXX I sent certified mail to all three Credit companies and still have not received no information. I have a tracking number for the mail I sent and the documents have not been signed for. they have been sitting at the postal office since XX/XX/XXXX. They are required to provide a signature when they are picked up. No one has picked up these documents from the postal office as of today. When I call the numbers to speak to someone I get a foreign who can barely speak proper english and continue to tell me to call back they have not received the documents. When I go on annual credit report and put in my information my brother credit profile comes up instead of mines. I do not have any credit in my name but I can not apply for anything because his information is on my profile. Attached to this complainant is proof showing when I pulled my credit report. This should not be happening Track Number for all credit companies : XXXX XXXX XXXX Experian : XXXX XXXX XXXX : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I froze my credit file in XX/XX/XXXX with all 3 of the major credit reporting agencies when Equifax had a data breach. Both XXXX  and XXXX  sent me a letter with a pin number to release the freeze, if necessary. Equifax did not. 

On XX/XX/XXXX, I sent a letter, with identification, to Equifax requesting the pin number. They have not responded. 

Please get Equifax to respond to my request.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX fraudulently used my nonpublic personal financial information by disclosing said private information to nonaffiliated third parties without my consent. 
I was never provided full disclosure of my privacy rights under the Gramm-Leach-Bliley Act ( 15 USC 6802 ). XXXX  XXXX XXXX is depriving my rights under the color of law ( 18 USC 242 ). And is attempting to collect extensions of credit by extortionate means ( 18 USC 894 ). 

Said information was shared without authorization nor consent to nonaffiliated third parties, including but not limited to EXPERIAN by way of identity theft, and said third parties are conspiring to collect extensions of credit by extortionate means ( 18 USC 894 ).
Product: Credit card or prepaid card

On XX/XX/XXXX I paid for a certificate to be mailed to me directly. I passed an online exam for XXXX XXXX XXXX. At the end of the exam it gave me a passing score and the option to buy a certificate for {$34.00}. I have never received the certificate after waiting over 3 weeks. I filed a dispute with american express Bluebird card accounts. I provided the following proof of purchase XXXX dispute form, photo of the receipt online, proof of the exam transcripts. I supplied these documents to amex blue card via their own secure email box on XX/XX/XXXX. Today on XX/XX/XXXX XXXX said " The document you are sent us is not valid to the  contact merchant. Please sent us appropriate documents of this dispute. '' I called XXXX the 1st representative told me just to wait a few more days. Asked for her manager and he said they never received the forms. That 's a lie because the message above clearly states " The documents your sent us ''. These guys are not going to resolve this. I thought I could dispute transaction with in 30 days just like every other bank. In addition this is my 1st ever dispute after years of doing business with XXXX. Shady business all over these days.
Product: Credit reporting, credit repair services, or other personal consumer reports

there is a XXXX student loan servicing account that was placed on my credit report that does not belong to me. I am not in school. this account belongs to someone else. I do not have any student loans.
Product: Credit reporting or other personal consumer reports

I have the following four inaccurate accounts reporting on my credit report. None of these are my debts and all of them are beyond seven years old. 
XXXX. XXXX XXXX XXXX {$1600.00} opened in XX/XX/XXXX ( XXXX, XXXX and XXXX ) XXXXWorld Acceptance.. charge off opened in XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX reporting {$0.00} balance chsrge off. Opened in XXXX XXXX and XXXX XXXX. World Finance reporting {$0.00} balance opened in XXXX XXXX and XXXX. 
Under the Fair Credit Reporting Act these items must be deleted from my credit report if they are unauthorized, inaccurate or older than seven years. Please delete all of these items from my credit report.