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

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX Subject : Formal Dispute of Inaccurate Information on Consumer Report Dear Sir/Madam, I am writing to formally dispute the accuracy of the information contained in my consumer report, as obtained from your agency. Upon reviewing my consumer report, I identified instances where non-public information has been disclosed to a non-affiliated third party without my written consent, which constitutes a clear violation of the obligations outlined in 15 USC 6802. 

Upon reviewing the relevant statutes, it has come to my attention that I was never provided with the option to opt out of the disclosure of my personal information, as required by law. I hereby request that you provide evidence demonstrating that I was given the opportunity to exercise my right to opt out, as mandated by law. 

Furthermore, I would like to draw your attention to 15 USC 1681b regarding permissible purposes. I never provided written consent for the reporting of my personal information, and the lack of such consent raises concerns about potential identity theft, constituting a violation under 18 USC 1028a. A report has already been filed with the Federal Trade Commission ( FTC ), and my reference number for the case is XXXX. 

In light of the above, I demand that you promptly remove the following account from my consumer report : Creditor : 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 I request that you adhere to the requirements outlined in 15 USC 1681c-2 and remove the mentioned account within four business days from the date of this letter. It is crucial to emphasize that my dispute is not with the creditor but with your reporting agency. Reporting items on my consumer report without obtaining my written consent and failing to provide an option to opt out is a direct violation of my rights. 

I expect immediate action to rectify these issues, and I request that you provide written confirmation of the removal of the disputed information. Additionally, I demand that you cease all methods of verification related to this account. 

Failure to address this matter within a reasonable timeframe will leave me with no option but to pursue legal action to protect my rights under the Fair Credit Reporting Act. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

Frost arnett consumer number XXXX amount XXXX. For company XXXXXXXX XXXX I have reported to them numerous times that someone stole my personal information to receive services from them. This happened in XXXX and I live in XXXX XXXX XXXXXXXX. I have never been to XXXX in my life. The person used my name and birthdate and fake address for account information. I have health insurance in XXXX XXXX  XXXX. I want this taking care of as they keep harassing me which is causing XXXX and emotional distress. They should have to get better information when checking person in. So this cant happen. If they would have verified who the patient actually was. I wouldnt be going thru this. I believe a childhood friend by XXXXXXXX XXXX XXXXXXXX stole my information. She is the only person I know that was in XXXX and would have my name and birthdate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to remove these items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX CT XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Under XXXX XXXX XXXX ( a ) ( XXXX ) ( A ) subject to XXXX ( f ) and except as provided in XXXX ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX
Product: Debt collection

Went throw a credit repair service and still say I owe when I dont
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 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 XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Transunion, XXXX, & XXXX are reporting the account listed as XXXXXXXX XXXX XXXX XXXX incorrectly. The account is listed as a charge off/collection with several late payments. This can not be so because it is impossible to verify late payments or account statutes due to not having access to the financial records because it would be a violation of my privacy. 

( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.
Product: Debt collection

This company, " Credence Resource Management '' has continued to call and demand I provide personal information, like my social security number and address, and when I refuse, they indicate I have to or they will take legal action. I do n't know who they are or what they are calling about. I have repeatedly asked to be removed from their call list and I keep getting calls. 

When I was recently on vacation, they called my phone so many times, that it defeated by " Do Not Disturb '' feature as my phone thought it must be an emergency. 

They will not identify themselves, what they are calling about or what company they are calling on behalf of. 

When I finally blocked the number on my cell phone, they just started calling from a new number.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX, never gave ( Equifax, XXXX, or XXXX XXXX ) any verbal or written consent to report anything on my consumer report. No consent is Identity Theft. A copy of the law is attached with this dispute. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. You also do not have any permissible purpose to furnish my personal information to any third party. 15 USC 1681b Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other. In accordance with the written instructions of the consumer to whom it relates. As a consumer, I am demanding a deletion of the following accounts : XXXX XXXX XXXX XXXX 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 requested that the credit bureau do a verification of all information they were reporting on my credit report and they did so and states in written that all information was correct but upon further inspection I did a thorough search and discovered that indeed the credit bureau '' s had not done their due diligence and were indeed reporting inaccurate, and incorrect information on my credit report even after they stated that they had done their research. I looked into the matter and found these following accounts on my report which are as follows : XXXX Acct Number XXXX, as well as these accounts which are XXXX XXXX  Acct Number XXXX, XXXX XXXXXXXX XXXX, the information is not cohesive, the dates are all over the place, the name on some of these accounts are similar to my name but incorrect. So I was digging I came across some of the laws that govern how these companies are to behave which is that in accordance with the Fair Credit Reporting Act XXXX  Account # 's XXXX, XXXX, XXXX, have all violated my rights. Also 15 U.S.C. 1681 Section 602 A clearly states that I have the right to privacy. 
Also 15 U.S.C. 1681 Section 604 A Section 2, States a consumer reporting agency can not furnish an account without written consent.
Product: Credit reporting or other personal consumer reports

Hello, please see attached Supporting documents for fraudulent inquiries and accounts that dont benefit nor was it authorized. I mailed TransUnion, XXXX and XXXX a ftc as stated on their website along with proof of residence and identity but yet they ignored my request.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint to XXXX result of their non-compliance to my request and for their refusal of getting the items and authorized inquiries, listed below, to be removed or corrected from my credit reports. Now, I would like to ask for your help to get rid of these items and authorized inquiries or have XXXX get back to me with regards to the issue. Here are the items that concern me : XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance - XXXX XXXX XXXX XXXX XXXX Balance {$18000.00} XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX {$2100.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts and items which do not belong to me or were opened without my permission. 

XXXX : XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$680.00} XXXX XXXX Balance : {$9.00}, XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX Balance : {$14000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX A ) XXXX Balance : {$300.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$440.00} XXXX XXXX XXXX XXXX Balance : {$660.00} XXXX XXXX Bankruptcy Reference # : XXXX Liability : {$0.00} XXXX : XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$680.00} XXXX XXXX Balance : {$9.00}, XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX Balance : {$14000.00} XXXX  XXXX Balance : {$300.00} ( Original Creditor : ) XXXX Balance : {$160.00} XXXX XXXX XXXX XXXX Balance : {$660.00} XXXXr XXXX Bankruptcy Reference # : XXXX Liability : {$0.00} TRANSUNION : XXXX XXXX XXXX Balance : $ XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX Balance XXXX {$680.00} XXXX XXXX Balance : {$9.00}, XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX Balance : {$14000.00} XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX A ) XXXX Balance : {$300.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX A ) XXXX Balance : {$660.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$440.00} XXXX XXXX Bankruptcy Reference # : XXXX Liability : {$0.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit card

I applied for an American Express card and was approved for {$1000.00} limit. I applied for the American Express gold card and I got a message saying that it was processing. I received a letter in the mail saying I needed to send verification of my home address, from my bank with a letter head and official stamp. I went up to my bank and spoke with a banker I provided them with the letter from the credit card company requesting address verification with letter head and official bank stamp. They gave me a document that had everything that the credit card company asked for. I uploaded the documents I received from my bank and uploaded it to the American Express online account. I received the same request in the mail from the credit card company saying I needed address verification from my bank, which I already provided they also kept what I mailed them when I told them to return to my address. I feel discriminated against becasue they keep sending me the same request after I provide them with what they are asking for from the bank. Im also concerned about my privacy becasue they kept my original documents and bank statements and ignored my request for my docs back. I am also concerned becasue I have been a victim of identity theft and fraudulent charges to my bank account which I have had to open dispute cases. I have uploaded official bank letter, same repeated bank address verification request credit card company keeps sending. I am exercising my Rights under American Express equal credit opportunity act I uploaded on their notice these
Product: Payday loan, title loan, or personal loan

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XX/XX/23 Synchrony Bank Customer Service Department XXXX XXXX XXXX XXXX, XXXX XXXX Subject : Discrepancy in Account Balance and Request for Immediate Rectification Dear Sir/Madam, I am writing to address a concerning issue regarding my credit line with Synchrony Bank , which was associated with my account at XXXX XXXX XXXX in XXXX, OK. I am requesting your immediate attention to rectify the matter as it has adversely affected my credit score and is impeding my ability to purchase a home for my family.

To provide you with the necessary details, at one point, I had a credit line with Synchrony Bank through XXXX XXXX XXXX. I am pleased to inform you that I have responsibly managed my account and have successfully paid off the entire balance in full. However, to my surprise, I recently discovered that Synchrony Bank claims that I owe them an additional sum of {$20.00}, despite the fact that my account was settled and closed. 

I must emphasize that I have not received any correspondence from Synchrony Bank, whether in the form of letters or emails, regarding this alleged outstanding balance. I maintain meticulous records of my financial transactions, and I can provide evidence that my account has been paid off in its entirety. This unexpected discrepancy has caused a significant decline in my credit score, which has a direct impact on my ability to secure financing for our first home.

Given the gravity of the situation and the urgency it demands, I kindly request your immediate attention to rectify this matter. I implore you to conduct a thorough investigation into my account to verify that it has been settled. Furthermore, I request that Synchrony Bank promptly correct my credit report, removing any negative remarks or indications of an outstanding balance, as it is unjust and inaccurate. 

It is my sincere hope that this issue can be resolved expeditiously and amicably. I have always strived to maintain a positive credit history, and this incident is an unfortunate anomaly that I trust can be promptly addressed. 

I kindly request that you provide written confirmation of the resolution reached, including any adjustments made to my credit report, within 15 business days of receiving this letter. I would also appreciate a direct point of contact should further communication be necessary during this process. 

I look forward to your prompt response and a swift resolution to this matter. Thank you for your immediate attention and understanding. 

Yours faithfully, XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am unable to withdraw my cash balance of {$1600.00} off of Robinhood App ( Account # XXXX ) owned by Robinhood Financial LLC because of a restriction placed on my account. I have submitted all documentation that has been requested of me, and answered all questions that were asked. On XX/XX/XXXX I initiated a sell order of XXXX XXXX coins which sold at a rate of {$340.00} each for a total of {$870.00}. On that same date I initiated a sell order for XXXX XXXX at a rate of {$2600.00} which came out to {$760.00}. Available cash balance after the two sell orders completed came out to {$1600.00}. The ethereum and bitcoin cash were both purchased on XX/XX/XXXX. I will provide screenshots and other documentation as needed. The XXXX tax documents labeled Robinhood XXXX XXXX XXXX shows a {$730.00} gain from previous digital currency buying and trading, that I paid the taxes on.
Product: Consumer Loan

On XXXX/XXXX/XXXX my husband and I submitted a loan application to Bank of America for a car. I really did not expect to get the loan since we had a bankruptcy in XXXX, but I thought it worth a try since we have been customers with them for the last 34 years. On XXXX/XXXX/XXXX we received an email from them stating that our loan had been approved. I was ecstatic. I called BOA to find out what our next step was and was told I would receive and approval letter to take to the dealership, fill out the necessary paperwork and be on my way. We did this and spent the whole day at the dealership but left with a small car. How horrified I was to about 4-5 days later I received an email that said we were denied. How could this be! I contacted the dealership and they told us BOA would not approve the loan for the 4.79 % rate, and our paperwork had been lost, so we had to resign papers for the 6.0 % interest rate, which took our note up by a small amount. WE went in and resigned the papers and again left the dealership. But more than a week later we again began to get derogatory emails from BOA saying we were denied. We again spoke with the dealership and they told us again that they had been informed by BOA that our paperwork was again lost. So the dealership had to go through trying to find us another lender, but when someone checks your credit report it causes your score to drop, therefore, today with the dealership trying to find us another lender our credit score has taken XXXX-XXXX inquiries taking it even further down. I truly feel that BOA has done some unfair practices with this deal, and now we are again at square one with no solution in sight. As I stated before we have been with Bank of America 34 years, without any conflicts, except the bankruptcy, so I only did what I had been approved to do when we went to the dealership, and BOA Has been totally dishonest with us as well as the dealership. How can they lose information twice in a row. I am attaching with this complaint copies of most of the correspondence we received from BOA, they even went as far as asking us to send in documentation after the second application was filed only to turn around less than an hour later and send out more denial letters, which they always sent it twos.
Product: Student loan

The cfpb contacted Bank of America and you did n't resolve my Parent Plus loan of {$42000.00} problem. Your agency admitted that Bank of America added on origination fees of over {$10000.00} on a loan of {$20000.00}, plus interest totaling  XXXX  in less than one year. Bank of America owned the  XXXX  and it was supervised by   XXXX   XXXX    and  XXXX . All of these agencies are " highway robbers an thieves. There is not on government agency in America that has made the accountable. Bank of America refused to send my private attorney   XXXX   XXXX   the response letter. I do n't even have a copy ...
In closing I am a   XXXX   year  XXXX  patient with 10 years of payments and a remaining balance of {$25000.00}, is there any HELP in America?
Product: Checking or savings account

Bank of America opened 3 fraudulent accounts, every time I called them to report it to get closed they were claiming the there is nothing they can do about it despite me having Fraud Alerts with all 3 credit reporting agencies, XXXX XXXX XXXX, Credit lock with XXXX, and despite that they are claiming they will investigate it, these fraudulent accounts are being opened. Bank of America is entirely unhelpful they claim that there is nothing they can do to stop this. This happened repeatedly on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. BoA claims their systems can not stop criminal activity, which encourages criminals to take advantage of BoA to defraud its customers.