23daVinci/CFPB_Complaints huggingface dataset:
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 15 USC 1681. 

Account Name : XXXX XXXX XXXX : Account Number:XXXX Account Name : XXXX XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX XXXX : Account Number:XXXX  Account Name : XXXX : Account Number:XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

My debit card was fraudulently used from XX/XX/XXXX to XX/XX/XXXX. Upon discovering this, I immediately notified the bank on the same day and had the card deactivated. After filing a dispute, the bank approved and reimbursed nine transactions, but refused to compensate for another 23 transactions. The reason given by the bank was related to timeframe issue. However, among the reimbursed transactions, there was one from XX/XX/XXXX, while the non-reimbursed transactions include charges from as recent as XX/XX/XXXX. Most of these transactions were made with the same merchants. Those merchants billed different amounts each mouth during XX/XX/XXXX to XX/XX/XXXX on my debit card. Citi banks reason of timeframe was not acceptable. During the investigation, I had multiple phone conversations with the bank. The customer service representatives were often impatient, transferred my calls, or even hung up on me. Eventually, the bank requested that I submit a written report, which I believe was an attempt to make things difficult for me. The reimbursed amount was credited to my account, and I once visited a branch to withdraw the money. However, after the banks request, I returned the full amount for the transactions that had not yet been approved.
Product: Mortgage

XXXX XXXX, XXXX To whom it may concern, I 'm filing this complaint, with the hopes that you will please assist me in resolving a Release of Lien matter with Bank of America. 

I originally signed a balloon HELOC loan with them on XXXX XXXX XXXX. That 's loan matured on XXXX XXXX XXXX and I am unable to make payments on this. When I signed on that loan, I was just a couple of years away from depending entirely on SSI comma for income, yet I spent the next ten years, depleting my savings, making certain that they got their payments and over the course of the loan, paid just over {$30000.00} in interest on this note. 

The note is due and I can not pay it. I 've turned to a broker, who negotiated the sale of my home, last month, and we 're getting absolutely NO COOPERATION whatsoever from Bank of America on this matter. 

There is a first position on this loan - XXXX. XXXX will be receiving full pay off and there is roughly {$5000.00} in Surplus cash to offer to Bank of America to settle and release this note. 

I can no longer to afford afford to even pay my primary mortgage payments, moving forward, and desperately need your assistance with this. 

THANK YOU! 

Loan information - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Illinois XXXX Loan number - XXXX
Product: Credit reporting or other personal consumer reports

15 U.S. Code {$1600.00} c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than four business days after the date of receipt. I have attached my FTC Report to this compliant to prevent further stall tactics form. I sent you a FTC report on XX/XX/2024 about these fraudulent inquires and you refused to remove them which is against the FCRA. If you do not remove these inquires, I will be seeking an attorney I know my consumer rights and your company is not following the FCRA. I am a natural person exactly who I have stated on this letter. Please do not stall again your company is causing me emotional distress. I am just trying to ensure my credit report has accurate information which it currently does not.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am having an issue obtaining my credit report with Experian,  XXXX  and  XXXX . I have called all  XXXX  of the companies and they have told me that there is no block or freeze placed on my credit. When I try to sign up for consumer credit monitoring websites, I am receiving messages like : " Your personal information does n't match with credit bureau records ''. I am including a screenshot o f one  of the websites for review. I need to be sure that the credit bureaus have the right personal information on file for me. I have researched this issue and I have come across several one star reviews and complaints by consumers who have other persons ' information on my credit report and this is what causes issues like these. A bank was able to pull all  XXXX  reports for me back in  XXXX     2017  so I do n't know what has transpired since then to suddenly cause incorrect information to appear on my credit report. I am also going to include a copy of my driver 's license for the CFPB 's review with my current address and name. Please see attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX KY XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$300.00} XXXX XXXX XXXX XXXX XXXX : {$7100.00} XXXX XXXXXXXX Balance : {$64.00} XXXX XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : DEPT OF EDUCATION/XXXX, XXXX   XXXX XXXX, XXXX XXXX Company Inquiries : 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
Product: Debt collection

On XX/XX/2021 at XXXX, I was contacted by Dynamic Recovery Solutions from the number XXXX. 
I could not understand the representative when she stated the company name because she was speaking so fast and asked her to repeat the name. This happened two or three times before I told her I was hanging up because of her attitude. She wanted me to verify my name without knowing the company name and was rude and talking quickly. It felt like a deceptive tactic. 
I just went through my call history for the last two months and found four different numbers that have called and all four are Dynamic Recovery Solutions. 
The calls are as follows- The number mentioned above XXXX has called three times. 
XX/XX/XXXX at XXXX for the 47second call where the woman wouldn't speak slower. 
XX/XX/XXXX at XXXX for a 5second call where I said " hello '' and noone said anything. 
Calls from the same number on XX/XX/XXXX XXXX and XX/XX/XXXX at XXXX were not answered because the number isnt saved into my phone. 

Dynamic has been calling and when I answer, noone says anything. It is dead silence and I hang up thinking its a spam call until I realized today that its been DYNAMIC calling from multiple numbers. 

The earliest calls on my log are from the number XXXX. 
XX/XX/XXXX XXXX. I didnt answer. 
XX/XX/XXXX XXXX. I didn't answer. 
XX/XX/XXXX XXXX. 8seconds- silence. 
XX/XX/XXXX XXXX. 6seconds- silence. 
XX/XX/XXXX XXXX. I didnt answer. 

XX/XX/XXXX XXXX I called the number back and discovered that it is Dynamic Recovery Solutions. I asked to be transfered to a supervisor and the representative stated she couldn't do that without getting my information. I told her that yes she can do that and to transfer me. The supervisor got on the line and I gave him my first and last name and told him that the first gal to contact me was rude and spoke too fast and that I have MULTIPLE calls from representatives or whoever calling and not saying anything when I answer. I advised him of harrassment and told him not to contact me. 

The other number that I have for Dynamic is XXXX XX/XX/XXXX. XXXX. 17 seconds XX/XX/XXXX. XXXX. 14 seconds XX/XX/XXXX. XXXX. I did not answer I don't recall if I got a reply from anyone when I answered these calls or not. I think I did and hung up when they stated they were Dynamic Recovery Solutions but I'm not sure. 

The last number is XXXX XX/XX/XXXX. XXXX. 10sec XX/XX/XXXX. XXXX. XXXX XX/XX/XXXX. XXXX. 6 sec. 
I'm pretty sure these three were three more calls where noone said anything when I answered the phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is incorrectly reporting the status of the auto loan that I had with them. It is reporting that the account is 30 days past due. It has knocked my credit score down 57 points. I did a voluntary repossession on the vehicle on XX/XX/2017. The vehicle was not 30 days pass due. I also got a voluntary repossession letter from XXXX XXXX. I enclosed a copy. I spoke with XXXX at the customer service site and XXXX the manager at the location I originally purchased the vehicle from. I have had nothing but in Going issues with XXXX XXXX  From my payments being recorded and reported properly. To them being disrespectful, hanging up on me and refusing managers and supervisor. I have on recording them lying about my account details and so forth also included with complaint. I would like the status of my credit report updated. I did a voluntary repossession on XX/XX/2017. That 's what the credit report should say. I HAVE NEVER BEEN 30 days late with this loan and it should n't be reporting as so. This is defamation of character and slander of my credit report. I feel this is all done intentionally. I tried everything to prevent this. Even taking the car directly to XXXX XXXX corporate office at XXXX XXXX XXXX XXXX XXXX, XXXX, KS ; and also calling XXXX over at the XXXX office XXXX XXXX XXXX XXXX XXXX. I would like my credit report updated immediately. This is affecting my credit poorly and is very illegal.
Product: Credit reporting or other personal consumer reports

The following hard credit inquiries we're pulled without my permission. 

Trans Union - XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX XXXX - XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX - XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a dispute. TransUnion on its own generated a report I was delinquent on my mortgage. Why did TransUnion generate this? TransUnion never received any report from anyone stating I was delinquent. TransUnion consistently responds with a standard form letter response. Until that changes I will continue to file reports. Refer to my previous 10 - 15 complaints for more info.
Product: Mortgage

On XX/XX/2006 I purchased a home from XXXX XXXX. Mrs XXXX had financed her home through Citibank. The closing documents show that Citi was paid in full during my purchase. 
Citi never released the lien, they are shown as outstanding lien holder on recent title search. I am trying to do a refinance and can not due to this lien. 
I have faxed and emailed Citi all the requirements from their website but they will not respond which leaves me unable to do anything with the home
Product: Checking or savings account

A checking and savings account was opened fraudulently under my identity at Bank Of America in Georgia. Date Opened : XX/XX/2016 Date Closed : XX/XX/2016 Balance Owed : {$0.00} I was referred to XXXX XXXX and nothing has been resolved with Bank Of America directly. I am a victim of identity theft and I am writing to dispute certain information you have reported about me to the credit reporting agencies ( CRAs ). I have enclosed a copy of my FTC Identity Theft Report and my credit report showing the items that I am disputing.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, the following creditors and reporting agencies 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 -- No acct name # XXXX -- No acct name # XXXX -- No acct name # 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
Product: Vehicle loan or lease

I heard wells Fargo was being charged with fraud again because of charging too much interest and extra fees so I decided to look at my statements and the interest doesnt match up month to month. I just want to make sure Im not being charged extra and if I qualify to be reimbursed.
Product: Credit card

Signed up in XX/XX/year> to American Express Credit card. After spending {$3000.00} my XXXX Delta Sky miles  were given to another persons account!!! I have only XXXX XXXX  miles in my correct skymiles account. American Express is a rip off
Product: Prepaid card

I purchased XXXXXXXX visa gift cards on XXXX. XXXX, 2024, but the visa gift cards were unable to use in multiple stores. When I called the number on the back of the cards, I was told that the card was locked to prevent fraud, and the representative opened a case ( case number XXXX ) ; I needed to provide documents to prove my identity and purchase to move forward. On XXXX. XXXX, 2024, I followed the instructions and emailed the required attached document ( original receipts, utility bill for address verification, my government issued photo ID ) in XXXX to XXXX, and include the case number in the subject line of the email. I received the automatic reply that confirmed the receipt of information. But after over XXXX business days, I called on XXXX XXXX, 2024 to follow up the progress, the representative said the case status was " closed '' in error, so the case was escalated, and there would be a follow up within XXXX business days. However, I did not receive any information after that.
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 15 USC 1681. 

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 7 years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer reporting agency if the person knows or has any reasonable cause to believe that the information is inaccurate.

These inaccuracies are preventing me from buying a house for my family, purchasing a car so I can be mobile and have some independence.
Product: Credit reporting or other personal consumer reports

Week of XXXX XXXX, I asked for my credit report from EXPERIAN. Got the credit report and mistook the credit reporting service membership to be a membership for additional services. Which I didn't want. I ended up getting some kind of membership. The following day I got up to XXXX spam calls, much higher than the usual XXXX per day. 
Today, XX/XX/XXXX, I tried cancel the membership on the web and the website causes one to try and figure out how to cancel the membership by sending you back to your account. I found no way to cancel anything. I called and their phone system is circular which doesn't allow access to a " specialist. '' This is time consuming and disgusting! Please take action.
Product: Debt collection

I recently received a copy of my credit report. I have contacted XXXX a number of times concerning this issue and have failed to get it resolved, I am concerned about the accuracy of the information being reported. And a number of violations under the Fair Credit Act against my credit profile. MY INFORMATION WAS EXPOSE IN THE XXXX DATA BREACH, And I believe that XXXX has made errors in reporting inaccurate accounts on my profile and In accordance with the fair credit Reporting act 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 and purpose. 15 USC 1681e ( b ) for failing to follow reasonable procedures to assure accuracy, under 15 U.S.C. 1681i for negligently reinvestigating or correcting disputed information, and under 15 U.S.C. 1681k for failing to provide notice to persons of information reported about persons to third parties. 15 USC 1681s-2 15 USC 1681i ( 5 ) 15 USC-1681e ( b ) ( 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.. I am a victim of the data breach and would like all accounts mentioned to be blocked and deleted pursuant to 15 USC 1681c-2 ( a ). ''
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) TRANSUNION CREDIT BUREAU is required to remove this inaccurate address not later than 4 business days after the receipt. 
XXXX XXXX XXXX XXXX, MA XXXX.
Product: Debt collection

This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so i may review to see of tis is actually an account that belongs to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the Fair Reporting Act 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 an account without my written instructions.
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 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number XXXX XXXX Account Name : XXXX XXXX Bankruptcy Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX XXXX Account Number XXXX XXXX Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

There is a attempt to collect {$350.00} credit report update XX/XX/XXXX as collection/charge off this a collection agency. They say the original account was opened in XXXX. There is no reflection of this account on my credit report prior to there claim to collect. Other then this charge I have zero negatives on my credit report. They have not provided me with the original account information where the account was opened and it has also reached the term limits for Tennessee law to collect this debt. I would like this negative removed immediately from my credit report.
Product: Money transfer, virtual currency, or money service

I made a total of XXXX wire transfers in about a XXXX to XXXX months span I received a refund for {$12000.00} from XXXX of my transfers my other XXXX transfers I have not received any money from it a total of {$150000.00} I have not received back I need help of returning this money this is my whole life savings
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom It may concern On XXXX XXXX, XXXX, and XXXX XXXX, XXXX, I sent a certified letter to Equifax and XXXX informing them both that there were a number of inquiries and some are multiples on my report that I did not authorize and to remove them if they are not tied to an account. Inquiries should never be placed on someone 's files unless authorized and I did not authorize the inquiries. On XXXX XXXX, XXXX, I received two generic letters from Equifax stating that inquiries are factual data ( this is not true because I never authorized for my credit to be pulled from the creditors. After I received the letter I sent the letter again certified and received the same information from Equifax. I still not have received a response from my first letter from XXXX  and it has been over 30 days. It is very wrong for these credit bureaus to aid in damaging someone 's credit by placing things on there and refusing to remove them after being told over and over again that they do not belong to me. A security freeze is on my reports and both bureaus still allow creditors to access my report without verifying that it is actually me. I am well aware of my rights as a consumer and I am WELL prepared to take the next step if this problem is not resolved and the inquiries are not removed.