23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX, XXXX # XXXX ; XXXX XXXX XXXX XXXX. # XXXX ; XXXX XXXX XXXX XXXX # XXXX ; XXXX XXXX XXXX # XXXX ; XXXX XXXX XXXX # XXXX ; XXXX XXXX XXXX # XXXX ; XXXX XXXX XXXX # XXXX, XXXX # XXXX ; XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX # XXXX ; XXXX # XXXX, XXXX XXXX XXXX XXXX  # XXXX ; XXXX # XXXX ; XXXX # XXXX ; XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX # 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 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

Garnishment assigned and no verification of debt received from attorney as asked for. 
Garnishment is from XX/XX/XXXX and then again XX/XX/XXXX {$2000.00} Call place XX/XX/XXXX and was informed they would send verification of many owed, never received, Attorney states they sent letter XXXX with a response. I have never heard from this attorney. Garnishment collected twice XXXX XX/XX/XXXX and said completed Writ og garnishment Doc Id XXXX, Case XXXX I remember having a XXXX XXXX card 20 years ago, my husband has one now. Name on ganishment is not spelled right. I was informed it did not make a difference the person was me. I told them that is not how I spell my name described to them I haven't had a credit card for them in 20 years. They informed me it was to late and this will continue as a garnishment. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Washington XXXX Reference number XXXX XXXX XXXX XXXX # XXXX
Product: Mortgage

I applied HAMP Tier 2 Loan Modification to BBVA Compass and requested them through certified mail and they asked me to send them more documents for their processing as enclosed evidence are true and correct copy of their requests and is in incorporate by reference as if fully copied herein. BBVA Compass have allegedly been attempting to modify my loan, nevertheless, BBVA Compass later refused and rejected, and thereby they forced me to pay off my whole debt loan. Payment in arrangements are in the verge of being process and in order for me to stay in my home, I found a buyer and asked once again BBVA Compass to re- consideration first approve my Loan Modification, in response of an alternative solution and possibilities while waiting for my buyer to close. I was trying to work on with my buyer and BBVA Compass always demands to pay off my loans debt in my home, at the same time, threatening me to foreclose, hereto a purchase contract enclosed ( a true and correct copy of the purchase contract and is incorporated by reference as of file of copied herein ). In spites of my diligence in assisting my buyer to close her third party financing ; BBVA Compass wanted to acquire said property and had no intent in mind to allow me to sell and close the sale of my buyer in order to cure my defaults. I had expended a lot of time and money and invested my entire life savings to my homestead and as such a great wrong was done by BBVA Compass. In my assertion that BBVA Compass were not dealing with me in good faith.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several hard inquiries listed on my credit report, which were conducted without my authorization. Under the Fair Credit Reporting Act ( FCRA ), hard inquiries require my explicit consent, which I did not provide for the inquiries listed on my letters.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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

Account opened XX/XX/XXXX Estimated date of last payment XX/XX/XXXX As of XX/XX/XXXX the principal amount of {$11000.00} had been paid, remaining Principal Balance {$620.00}. Amount Due of {$140.00} Due on XX/XX/XXXX. 

As of XX/XX/XXXX the principal amount of XXXX had been paid, leaving a remaining balance of {$0.00}. Amount Due of XXXX. Due now. 

As of XX/XX/XXXX the was reporting payment overdue. Total amount Due. 

As of XX/XX/XXXX Total amount due is {$0.00} The full balance was paid in full as of XXXX. I was never late on any payments. I called to check the status on my title and was told I had a balance due of {$130.00}. I ask for them to mail me out a Invoice to reflect the amount due, this was agreed upon, so I waited and waited and waited, nothing was ever sent. I called over 20 times to figure the balance and to get something in writing, with no resolution. Why would I pay the loan completely off to then start missing payments, this doesn't make any sense. 

As of XXXX XXXX as 60 day past due alert was given and said that I owed {$300.00} pay by XX/XX/XXXX. I simply ask for a bill or something explaining this amount, but I was told there was not anything they could provide to me in writing. I expressed my concerns and ask if it could be something unofficial but I was never provided anything in writing and I was ask to pay the amount and dispute it later. I made a payment of {$130.00} on XX/XX/XXXX. My credit dropped XXXX points as a result of this.
Product: Checking or savings account

After 10+ years as a loyal customer, Bank of America suddenly closes our accounts and won't give us a reason, other than " is a business reason ''. And now is holding our money XXXX ( aprox $ 10k ) and we can't pay our bills, it won't tell us when they're releasing the funds. WE CAN NOT WAIT, WE HAVE BILLS TO PAY. 

On XX/XX/XXXX we get a letter about the closure of the accounts. I'm XXXX XXXX and sole breadwinner of my family, I'm a law abiding US citizen and Bank of America is treating me like a criminal. 

I suspect the reason is that I am the child of a foreign PEP ( politically exposed person ) from a XXXX American country, because my sister had her XXXX account investigated, my parent filled out a questionnaire and that's it, her account is still in good standing. I believe BofA actions are racially discriminatory in nature, they're treating me like a criminal. 

Why would BofA close my accounts in good standing without first questioning? I'm XXXX and all my income is from XXXX  care corporations, why close my accounts? 
Why not release the funds right away when I went to the branch so that I can pay our bills?
Product: Credit card

Milestone credit card open XX/XX/year> ive never signed up for credit protection fee on any credit card I've ever had they been charging me {$3.00} XX/XX/year> need to refund that back to my account this account is closed still charging me late fees
Product: Credit reporting or other personal consumer reports

I noticed this on my credit report GOODLEAP and did not apply it. I call XXXX to report the fraud. I spoke with a representative who told me I needed to submit this form to report the scam, I received a call from what was ID on my caller ID as XXXX the person said they were XXXX XXXX XXXX and began to ask me questions about things on my credit report. I informed them that I did not apply for it and then she began to ask me detailed questions and answered them because I was hesitant with the information. This made me look at my credit report for myself and I saw Goodleap, which I did not apply for.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been dealing with Experian, online, correcting misspellings, wrong phone # 's, etc. I have tried several times to get a phone # removed, to no avail. The # is XXXX. I do not even know how this appeared on my credit. Also, my past employer was spelled very wrong, and in trying to get it corrected, they actually removed it. Now I have no employment history. I have been trying to get them to spell my past employer as XXXX XXXX, Lead Teller. Please help me to get my info corrected on my credit report. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX XXXX XXXX : # XXXX, XXXX BANK : # 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 XXXX : # 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 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, credit repair services, or other personal consumer reports

I have disputed this account entry with both the credit bureaus and Portfolio Recovery Associates alike. In XX/XX/XXXX, I noticed that Portfolio Recovery Associates had placed an inaccurate entry on my credit reports. To that end, I disputed the entry with the bureaus and their response yielded the account was verified. I then submitted my dispute to Portfolio Recovery Associates in my letters dated XX/XX/XXXX and XX/XX/XXXX. To date, Portfolio Recovery Associates has not responded with documentation that bore my original signature, correct address, or ledger of accounting history to justify this amount for this entry. This alleged debt lacks veracity as well because the correspondence states an amount that differs from the amount reporting. See attached documentation. 

It is evident that Portfolio Recovery Associates is blatantly violating my consumer rights by reporting an entry on my reports that but yet fail to provide validation of the entry. My rights under the FCRA and FDCPA are violated ; thus, this entry must be deleted from my credit report immediately.
Product: Mortgage

I am a XXXX XXXX Citizen and XXXX who the victim of a mortgage scam by XXXX XXXX XXXX. This company scammed XXXX XXXX veterans including me. I never signed for a Mortgage, Loan and never attended a Closing but I am facing foreclosure by Planet Home Lending a debt collector. The Government is suing XXXX XXXX XXXX and several banks for fraud in XXXX US District Court. I am one of those victims. I have been to Court for Foreclosure fighting these debt collectors to no avail. I have testified I never signed a Mortgage and never did a closing. These Courts just proceed. I need help to stop these debt collectors from losing my home. I am XXXX, XXXX and a veteran.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX for XXXX of XXXX  was never late This needs to be corrected. Remove this from my credit report. Reported to XXXX, XXXX, and Equifax. Please remove this 30 day late payment from all three reports, is it was never late
Product: Credit card

I recently received a credit card limit of over {$30000.00} on my preferred credit card. I also have a backup card from my credit union. I don't want another card any longer. I opened this card about a year ago to purchase an expensive camera because of a promotion. I have satisfied all requirements of the promotion. When I went to the Citi Bank website, I wound up with a robot. The robot said it was 'Pulling up my account details ' and then went away. I waited about five minutes and then asked it what was going on. It said I would have to speak with a representative and I could search for that number. I found the number and called. I got XXXX XXXX. I asked to close my card. He started questioning me as to why. I explained, too many card and too much credit. He then asked for my credit limits elsewhere. I told him it was none of his business ( at this point I expected he wasn't going to be cooperative. ) He then complained that I had taken advantage of their promotion. I thought that's what they wanted! When I shut that down he started in on a sales pitch. I interrupted and said 'Please just close my account ' and I hung up. I am busy. I have more to do than I have time for. I couldn't spend the afternoon chatting with XXXX just to close my account. I expect that CitiBank wants to keep me on until they can charge an annual fee. I want to avoid that. I also expect that this is a standard practice for CitiBank, which is why I won't use them as my principal bank as this style is coercive. Today is XX/XX/year>.
Product: Credit reporting or other personal consumer reports

4 months ago, I requested disputes on unauthorized inquiries. Transunion disregarded my request. They failed to conduct a reasonable investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my most recent credit report, your company is currently reporting to the credit bureaus nonpublic personal information. In accordance with 15 U.S.C 6802, a financial institution may not disclose nonpublic personal information unless the financial institution clearly and conspicuously discloses to a consumer in writing or electronic form that such information XXXX be disclosed to a third party organization. Further, the consumer must be given the opportunity before that information is disclosed, to direct that this information XXXX be disclosed or exercise the nondisclosure agreement.
Product: Debt collection

XXXX and Caine Weiner is engaging in unlawful extortion means by knowingly furnishing false and misleading information while having reasonable cause to believe the information is inaccurate. This was done to coerce me into making a payment on an alleged debt without proof of claim. I DID NOT and I DO NOT consent to any negative information being disclosed to nonaffiliated third parties without my lawful authority. XXXX, Caine Weiner and the consumer reporting agencies involved have used my nonpublic personal information without my lawful authority to bring harm to me and my financial reputation which violates 18 USC 1962 ( c ). XXXX transferred the account in reference without lawful authority to Caine Weiner which is a violation of code 18 USC 1028 ( a ) ( 2 ). Caine Weiner obtained my nonpublic personal information by illegal means and with ill intent. I failed to dispute the validity of the debt within the prescribed time period therefore resulted in unlawfully furnishing the debt to my consumer report which violates 15 USC 1692g ( c ). Furthermore I have never conducted business with Caine Weiner and I have not benefited from this transaction which is also a violation. According to 15 USC 1602 ( p ) Caine Weiner does not have actual authority for such use of my credit card defined under 15 1602 ( l ) and I received no benefit from this unlawful transaction. Without lawful authority, by using means of my identification Caine Weiner is committing aggravated identity theft and attempting to collect on this account by extortionate means pursuant to 18 USC 894. I would like to inform Caine Weiner that this debt is not valid and my failure to dispute the validity of the debt will not amount to an admission of liability under code 15 USC 1692g ( c ). I have attempted to rectify this matter multiple times but due to the mutually beneficially business relationship Caine Weiner has with the consumer reporting agencies, I have reason to believe they are engaging in racketeering activity. Multiple verified responses has proven that the consumer reporting agencies arent being impartial when it comes to respecting my right to privacy. Their conspiracy against my rights is affecting my ability to operate in commerce. This is a violation of 15 U.S. Code 1. I am requesting notice of the amount of the alleged debt and the name of the original creditor 15 USC 1692g because I have not received notice containing the pertinent facts of this transaction which is a violation of 15 USC 1602 ( k ).
Product: Credit reporting or other personal consumer reports

All throughout XX/XX/year>, I've been disputing incorrect information that appears on my credit reports from all 3 credit bureaus. Ive also tried disputing with the actual collection agency in which the invalid information rests, who goes by XXXX XXXX XXXX XXXX on two reports, yet XXXX XXXX XXXX on another. The amounts I am disputing are {$1600.00} and {$4900.00}. Two different amounts, under the same company, yet two different negative impacts. Both amounts which are incorrect, as well as the dates of opened. Hopefully the attached documents provides a clearer understanding. After disputing through the bureaus, the information was not deleted. I then contacted the collection agency, genesis, directly. After providing numerous emails and statements, the representative agreed in my favor that the amounts should be removed within 2 weeks and to call back in two weeks to confirm. Today XX/XX/scrub>XXXX it has been two weeks so as directed, I contacted the agency, spoke with the same representative, who then directed me to call back in another week as he was busy right now and could not talk at the moment. The run around is frustrating, the debt collection company seems very sketchy, and this incorrect information on my report is a burden and preventing me from purchasing a home of any kind.
Product: Checking or savings account

I already have a US Bank Credit card. I tried opening a easy checking account. It asked do you have some existing relationship with us, I said yes and tried to login. It gave me an error that it can not pre-fill the form and I need to enter all the information. I filled all the form accurately and then it declined my application. This account had a promotion also and I will miss the promotion if the account is not opened. 

I got this email We appreciate your interest in a U.S. Bank account. Based on the information you provided, were unable to grant your request for the following account : U.S. Bank Easy Checking The decision was made as a result of additional verification attempts made to protect your identity. In review of your application, there were inconsistencies in the information provided. As a result, an account can not be opened for you at this time. Please visit a U.S. Bank branch in person to provide proper identification. We take our customers identity and privacy very seriously and appreciate your understanding. 
XXXX ID : XXXX
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 XXXX. XXXX XXXX. XXXX XXXX. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX I opened a credit card account in XXXX, used the card, and didn't pay the bill. In XXXX I contact XXXX XXXX XXXX as they are the ones who alerted me to the new account and filed a fraud report. Now this credit card issuer is negatively affecting my credit score. I filed a dispute with Experian and in two days they claim they verified with XXXX that I opened the account. I did not open, nor use, such an account.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I called XXXX XXXX regarding a hard inquiry that I did not aware of on my Experian credit report. I found an inquiry dated XX/XX/XXXX. I reported that I did not apply for any card or loan that period of time and suspect it's identity theft. They said they would send me a letter and remove it but no action has been taken since then.
Product: Prepaid card

I submitted a claim with Bank of America disputing a transaction for two XXXX XXXX  claim number XXXX And I submitted a complaint for an economic hardship and to advance the processing for needless weight and because of advertised Bank of America stock dividends and available FDIC insurance
Product: Credit reporting or other personal consumer reports

I am filing a complaint to formally dispute inaccuracies in my credit report and to demand compensation from Experian for repeated violations of the Fair Credit Reporting Act ( FCRA ). My concerns are further validated by the recent Consumer Financial Protection Bureau ( CFPB ) lawsuit alleging Experians failure to properly investigate consumer disputes, as well as improper reinsertion of inaccurate information on consumer reports. 

I have identified the following inaccuracies in my credit report that require immediate correction or deletion : XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear credit bureau I am exercising my rights under the Fair credit reporting acts, section 609, to request information regarding an item that is listed on my consumer credit report Account name : Child support enforcement Inquires : XXXX 's XXXXXXXX XXXX Account XXXXChild support As per section 609 I am entitled the source of information which is the original contact that contains my signature. I have included copies of my license and social security card If information can't be verified I would like to remove information in 30 days thank you XXXX XXXX XXXX XX/XX/1991
Product: Credit card or prepaid card

I bought a {$500.00} visa gift card issued by BlackHawk Network , Inc on XX/XX/XXXX. 
One week later, I didn't receive it and I asked customer service for help. They told me to wait for 15 business days. 
On XX/XX/XXXX, I still didn't receive the card and I asked customer service to open a case to reissue the card to me. 
On XX/XX/XXXX, they told me the card has been registered and used and the only way I could do is to start a dispute process. 
On XX/XX/XXXX, I called their dispute team and tried to open a dispute case. However, their dispute team told me since I didn't receive the card and they can not honor a dispute process. 
There are several questions : 1 ) They said the card is activated under my name. However, the information needed for registration is card number, expiration date, 3-digit code on the back of the card, cardholder 's name and address. All these are either directly on the card or on the envelope. They can not prove it is me who registered the card since they didn't verify through a phone call, text or pin. 
2 ) Since it is impossible to prove it is me that registered the card, all the transaction made via the card is not authorized by me. 
3 ) They refused to dispute and reissue the card and thus I believe this is a fraud company.