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

I was looking at my credit report on XX/XX/year> online and I found a hard credit check on my credit report from Bank of America from XX/XX/year>. I called Bank of America fraud department and was told unless I gave them my social security number they were not able to give me any information. I refused to supply them with this information. I asked them why would they have done a credit check on my credit when I never applied for a credit card. I told them I never authorized this and they caused my credit number to decrease by XXXX points. They continued to refuse to give me any information since I refused to give them my social security number. I informed them that if they had run a credit check already on my credit report they should have that information and I wasn't going to give them my social security number. This person insisted that unless I gave them my social they were not at liberty to give me any information. Once I hung up with them and notified my bank to get information on how to proceed. My bank informed me to call experian which I did today XX/XX/year> at XXXX XXXX and spoke to the Fraud department representative name XXXX. She informed me that once she was done with her report that it would be in my best interest to notfy I was to notify my local police department and report this as a fraud. She also informed me to notify the Federal Trade commission as well. While I was speaking to XXXX from XXXX she found that a hard credit check was done on my physical address with a different city and town in the XXXX. I don't live in the XXXX. Once I was done talking to XXXX I notified our local Sheriffs office and spoke to XXXX XXXX badge number XXXX and case numbser XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts completely from my credit reports. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U S DEPT OF EDXXXX XXXX U S DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not have any contracts or agreements, or documents with these companies. Please I kindly ask you to take appropriate actions and to remove these unknown accounts and inquiries. These accounts are definitely not mine. I kindly ask you to help me because I do not recognize these accounts. I do not have any contracts or agreements, or documents with these companies. Please I kindly ask you to take appropriate actions.
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 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 to believe that the information is inaccurate.
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 right. 

15 USC 1681 SECTION 602 STATES I HAVE THE RIGHT TO PRIVACY.

15 usc 1681 section 604 a section2 : 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 ANY PURPOSE.
Product: Debt collection

I am writing to address the presence of unauthorized transactions in my consumer report, which I did not authorize or instruct. As a result, I formally request the blocking and removal of these accounts without any inaccuracies or misrepresentation of facts. Below, I have listed the specific accounts in question : It appears that your organization may be violating 15 U.S.C 1681a 2 ( A ) ( i ), which prohibits a consumer report from solely containing information about transactions or experiences between the consumer and the entity reporting the information. 

This statute explicitly states that Transunion, as the reporting entity, should not include transactions or experiences associated with the line of credit extended between the consumer and the reporting entity in my consumer report. 

I urge you to promptly update my utilization to XXXX  % or below within XXXX calendar days or remove all utilization from the mentioned accounts. 

Furthermore, I request that you provide all documents on which you rely for reporting the referenced accounts, in accordance with the Fair Credit Reporting Act ( 15 U.S.C. 1681g ). The information you are reporting is damaging to my reputation and adversely affecting my creditworthiness. 

Therefore, I demand the removal of these accounts from my file within XXXX  days, as required by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or verification of these accounts. 

Additionally, along with the removal of erroneous and unverified information, kindly eliminate all non-account holding inquiries older than XXXX days. 

Failure to provide a satisfactory response with the deletion of the mentioned utilization and inquiries will result in legal action against your company, for which I will seek {$1000.00} per violation : Defamation of Character Civil Liability Fair Credit Reporting Act 15 U.S.C 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Product: Debt collection

My mother and I have received numerous phone calls from Lincoln automotive services on XX/XX/XXXX, XXXX, and XX/XX/XXXX of XXXX. The calls are related to my past due amount on my car note. I recently lost my job about 3 months ago and I explained that to the debt collector and that I can only make payments as I can. My auto payment is XXXX per month and I advised the debt collector that I can not make that payment since I lost my job. They still continue to threaten me with repossession and they advised me that I should ask my church for donations or ask a friend for help. I am a mother of XXXX children and I do not ask for handouts. I am trying my hardest to secure another job so I can catch up on my payments. However, these constant phone calls are making me very stressed and the lack of understanding for my situation from the organization is harassment. I feel like something should be done about this.
Product: Checking or savings account

I am a victim of XXXX XXXX After being denied access to opening a checking account with a credit union. I ordered a copy of my Chexsystem report. I noticed on the chexsystem report fraudulent accounts that were opened under my name XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX, and XXXX XXXX. My consumer ID # XXXX. 


I request that you provide me a description of the procedure you used to determine the accuracy and completeness of the bank 's information. Please send this information to me within fifteen ( 15 ) days of the completion of your reinvestigation. In addition, please provide the name, address, and telephone number of each person you contacted at XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX, and XXXX XXXX  regarding my alleged account. 

I also request a copy of any documents submitted to you by XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX, that bear my signature and show that I have a legally binding contractual obligation to pay them. 

Be aware that this is my final goodwill attempt to have this matter resolved. As it now stands, the information you have presented to me is inaccurate and incomplete and represents a serious error in your reporting. 

It is my understanding that your continued failure to comply with federal regulations can be investigated by the Federal Trade Commission ( see 15 USC Section 41 ). For this reason, I am maintaining a careful record of my communications with you should I need to file a complaint with the FTC and the state of Florida Attorney General 's office. 

If you do not respond within ten ( 10 ) business days, I am prepared to take legal action against your company for causes of action including, but not limited to, defamation, fraud, and violations under the Fair Credit Reporting Act.
Product: Debt collection

A credit card recovery firm obtained a Levy at the county level in NJ, and seized all of my savings in a joint savings account for an old credit card debt that my wife had before I met her WITHOUT ever notifying either of us, The money was simply withdrawn from my joint savings account without ANY prior knowledge, no opportunity to dispute the charges or negotiate payment terms whatsoever. I was never notified of a hearing or a judgement. This while my wife and I were actively paying down her debts and already improved her credit enough for her to finance a new car. The county gave this creditor preferential treatment and simply allowed them to take all of our savings. Be aware, your money is safer in your sock drawer than in any FDIC insured savings account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to help my daughter get an apartment, while I was there, I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left, I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report
Product: Money transfer, virtual currency, or money service

After researching this issue, I have found that this practice is a LEGAL practice. However, I am submitting my complaint, because it is not an ETHICAL practice.
I received a refund check from two different places. One is from my XXXX XXXX XXXX XXXX University for {$3600.00} and one refund from XXXX XXXX XXXX XXXX for {$10.00}. 
XXXX XXXX University XXXX XXXX XXXX XXXX XXXX XXXX However, both checks were issued by Bank of America. I went to my local Bank of America to cash the checks. ( I wanted to cash the checks because, I do not have a bank account, only a prepaid card ). Thus, I would have to cash the check and deposit the money on my pre paid card. Bank of America charges {$8.00} TO CASH A CHECK IF YOU ARE NOT AN ACCOUNT HOLDER. I feel that this is unfair and unethical. Although it is legal, and the banks have the right to do this. It is unethical because the bank is essentially requiring a fee be paid to fulfill their own note! They are able to look up the account holder who issued the check and determine that the funds are available and issued to said recipient, but want to charge this ridiculous fee. for what??? 
Of course, I did not mind cashing the large check. However, to cash the {$10.00} refund, then I would only get {$2.00} back! Banks and financial institutions are supposed to assist the consumer to responsibly manage money, and avoid reckless spending. Yet, these same institutions IRRESPPONSIBLY APPLY UNNESSARY AND OPPRESIVE FEES back to the consumer. I am glad that some intuitions are taking the higher road.  Banks such as XXXX and XXXX XXXX do not charge these fees, or have very low check cashing fees. I have attached a copy of the checks for review.
Product: Credit reporting, credit repair services, or other personal consumer reports

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



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C . 1681 section 602 A. States : I have the right to my 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 items of information other than records of conivctions 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 resonable cause to believe that the information is accurate.
Product: Credit reporting

TransUnion never responded to my initial dispute with XXXX XXXX XXXX Acct # XXXX. I disputed this account because it was not familiar therefore inaccurate. I never received a response to my dispute submited on XXXX/XXXX/15. After my second dispute submitted XXXX XXXX, 2015 they sent me a notice on XXXX/XXXX/15 saying it had been verified but no documentation verifying this account was provided from TransUnion nor XXXX XXXX XXXX. Therefore it should be deleted.
Product: Mortgage

I received a judgement lien on a home because the landlord failed to pay his mortgage and kept all the rent money. 

When the home was up for sale the real estate agent and title company located my judgement. They asked what the amount was to settle. I signed an agreement and faxed it to them. The real estate agent called to tell me the sale fell through. There were other liens that were settled, but mine was not. EMC mortgage sold the home to that same buyer without paying me my judgement.
Product: Debt collection

I am writing this complaint because I have a collections that is inaccurate. The internet devices were already return so XXXX cant be charged for what I don't posses.
Product: Credit card or prepaid card

I enrolled in platinum card upgrade offer on XX/XX/2020 for my Amex gold card. The offer states that if I spend more than {$5000.00} within 3 months ( 92 days ), I will get XXXX points. 

I have fulfilled this spending requirement on time, I've also contacted Amex several times, and the representatives confirmed that I've met the offer requirement before the spending deadline. But I still haven't received the points.
Product: Checking or savings account

5 years ago i had a captal one 360 checking account then they shut me down for no aprant reson leaving me stranded in XXXX. for 5 years i am trying to explane them i don't owe any thing and they are now causing needless pain and suffering. they don't return my calls and they have no way to contact them to dispute negtive info they did to me. i have no where to turn to on this matter and i like questions and more
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX and XXXX are reporting incorrectly a collection with XXXX XXXX XXXX XXXX XXXX partial account number XXXX for {$200.00}. ( Please see pages 25 and 26 of the attached credit report. ) This collection item was deleted from my credit report however, now it has re-appeared from the same collection agency, XXXX, and they have now generated a new account number and re-aged this collection. By doing this, they are in violation of the Fair Credit Reporting Act. I have contacted the ( 3 ) bureaus to have these line items removed however, I have not been successful. This incorrect reporting is harming my credit score and these line items need to be removed from my credit 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. I told XXXX, XXXX XXXX equifax to reinvestigate these accounts, however, they stated everything was complete and accurate, but how is that possible if the open date, date of last activity and much more is incorrect. 

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 ) ( a ) 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.

I amwriting to delete the following information from my file. The items I deleted are listed in the report I am a big team of identity theft and I did not make the charge. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal tray, commission identity, theft, affidavit. 
Please delete this items as soon as possible.
Product: Credit reporting or other personal consumer reports

TransUnion provided a copy of my credit report to multiple companies without my authorization : XXXX XXXX on XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX on XX/XX/XXXX As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a complaint to EXPERIAN regarding the reported data on my credit file that is not certifiably compliant and proven valid and/or not documented as fully true and physically verified. My name is XXXX XXXX XXXX, and my address is XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX. My date of birth is XXXX, and the last 4 digits of my social security number are XXXX. The FTC report number associated with this complaint is XXXX have identified likely mendacious and certainly unproven complaint-reported inquiries on my credit file that has no permissible or authorization made by my person of free will. As a consumer, I am within my federal and state consumer and/or civil rights to demand and/or compel you to have them removed as soon as possible. I am filing this consumer complaint and consumer check for compliance of these particular items that you are reporting under FACTA Title 1 sec. 151 that unambiguously obliges a recounted of the modus. This is a formal dispute of information and reporting.
Product: Checking or savings account

My employer ( a bank ) informed me of a Robinhood account under my name, which I was never aware of. I don't remember opening such an account and I have never received any correspondence from Robinhood about this account. I believe the account was falsely opened sometime in 2018.
Product: Mortgage

I was in forbearance with FREEDOM MORTGAGE and in XXXX of XXXX I filled out, signed, and returned the loan modification documents. XXXX of XXXX I was informed they got the maturity date wrong and I needed new documents. XXXX of XXXX I received the partial VA claim to resign and they wrote my wife 's name incorrectly. I did not receive another remod documents until XXXX of XXXX and now the interest rate has doubled. Mind you I called EVERY SINCE MONTH PAYING AND ASKING FOR UDPATES AND NEW PAPERWORK.
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 3 credit bureaus, 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 : {$230000.00} XXXX XXXX XXXX : {$10000.00}
Product: Debt collection

I am being extorted by a collection 's agency. They denied my disputes and are demanding payment in order to remove my collections debt from my credit report. XX/XX/XXXX, the ones who submitted the debt to them, called them on a three-way call with me to tell them it was a mistake and to remove the account from my credit report. They STILL refuse, then flagged my account with the credit bureaus because I tried to dispute the claim. They now are saying " If you pay, we'll do you a solid and remove the account all-together ''. This was a mistake on XXXX 's part, and I am now being extorted and harassed to pay the {$51.00} debt in order to make my problems " disappear ''.
Product: Debt collection

I moved out of XXXX XXXX Apartments and spoke with the office manager. She stated I did n't owe anything. 3 months later, I got a letter stating that I owed an amount from them ( do n't have the letter ). I contacted them. Received an email stating that I owe {$570.00}, but was not notified via regular mail. Six months after, I received a letter from the collections agency stating that I owe {$870.00}. I have attached all documents.
Product: Payday loan, title loan, personal loan, or advance loan

I've submitted a complain XXXX on XX/XX/XXXX. However XXXX  closed the complain the same day with a templated response, and without reading the complain at all. 

I'm a victim of identity theft, scam and fraudulent activities that resulted in financial theft during the time period of XXXX XX/XX/XXXX. In XX/XX/XXXX after looking at my credit report I've found out that {$44000.00} loan was fraudulently taken in my name using stolen identity from Upstart. 
In order to resolve the fraud claim with Upstart, Upstart has requested a letter from the XXXX  XXXX XXXX stating that fraudulent activity took place on my bank account. However, XXXX  XXXX XXXX refuses to generate such letter. XXXX  XXXX XXXX states that it is internal bank business. Without this latter Upstart refuses to further investigate the case to come up with a resolution. Police reports, FTC reports, IC3 ( FBI ) and identity theft reports have been provided to Upstart. Upstart has information such as phone number and email of the person who opened the account. This information does not belong to me.