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

Last year I called Bank of America for  two  of my accounts, to try to set up a payment arrangement as I was having financial problems due to health and paying my moms rent. They said they set me up, but nothing happened. I called them and they said they could not help but sent me a letter. I asked for another letter, which they sent. All it said was We are unable to assist you. Literally that 's it.     So about 4 months ago, I spoke with someone who said if I set up regular payments to come out automa tically, after three months my accounts would be reeaged. I have made the three payments all on time, and they have not reaged my accounts. They are falling far ther and farther behind, and now the payments to bring it up to date are way out of what I can afford.     All I want from this company is for them to honor what they have said and bring my accounts up to date with a reage. Not working with me at all on this and lying everytime I ask for help has ruined my ability to bring the account up to date, and is ruining my credit. I know there are delinquencies on there that are my fault when I was unable to pay. However, I think all the last ones should be removed, and reage the accounts as promised.   Listen to the phone call from about 4 months ago. It was obviously with a newbie, as I was put on hold over and over to check answers, but she was being coached. I did n't think this company would have these unfair tactics again. Please listen to your reps and what they told me, and then just reage my account, so I can try to salvage my credit. RESPONSE BY USPS MAIL ONLY PLEASE. I want proof of everything from now on. I requested no more calls to my cell phone, and I want no more calls to my cell phone. BUT I WOULD LIKE A RESPONSE FOR A CHANGE. You are being unfair and just rude for treating me like this. Is it because I do n't make enough money? I 'm too poor for your bank? That 's what I think, even though you are charging me ridiculous fees and interest even while I was supposed to be in a program. I have received no communication and my account is still months past due.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX 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 {$340.00} - - -No Data XXXX XXXX XXXX {$0.00} - - -No Data XXXX XXXX XXXX {$0.00} - - -No Data XXXX XXXX XXXX {$0.00} - - -No Data XXXX XXXX XXXX {$0.00} - - -No Data XXXX XXXX XXXX {$0.00} {$0.00} XXXX XXXX XXXX {$0.00} - - -No Data XXXX XXXX XXXX XXXX XXXX {$2800.00} - - -No Data XXXX XXXX XXXX XXXX XXXX {$4200.00} - - -No Data XXXX XXXX XXXX XXXX XXXX {$2100.00} - - -No Data US XXXX XXXX XXXX XXXX {$5000.00} - - -No Data XXXX XXXX XXXX XXXX XXXX {$1500.00} - XXXX -No Data XXXX XXXX XXXX XXXX  XXXX {$2000.00} - - -No XXXX XXXX XXXX XXXX XXXX XXXX {$10000.00} - - XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX {$0.00} - - -No Data XXXX & XXXX XXXX {$260.00} - - -No Data XXXX XXXX XXXX XXXX {$68.00} - - -No Data XXXX XXXX XXXX XXXX {$460.00} - - XXXX XXXX XXXX XXXX XXXX XXXX {$400.00} - - XXXX XXXX XXXX XXXX XXXX XXXX {$2100.00} - - -No Data XXXX XXXX XXXX {$210.00} 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 know
Product: Checking or savings account

I am a customer of Citizens bank. 

On XX/XX/XXXX we saw the first fraudulent charges come out of our bank account for {$570.00} in XXXX XXXX, XXXX, and {$580.00} in XXXX, XXXX. We were not alerted, my husband discovered them on our account himself. He called Citizens Bank that day and filed fraud claims as well as to " capture '' our cards. I went into the bank the next morning on XX/XX/XXXX to ensure the cards were cancelled ( at this time we both had physical possession of our debit cards ). The banks recommendation at that time was to order new debit cards, which we did. 
On XX/XX/XXXX, my husband discovered new claim in the amount of {$2400.00} at XXXX XXXX in XXXX NY, dated XX/XX/XXXX. My husband went to the bank that day and at the recommendation of their staff, we closed our original account, and opened a new checking account. We were told that we would have to wait 7-10 days until they could investigate and then we would receive our money back that had been tied up in claims. 
We were told the account was frozen but active until our money would be returned to us. The debit 's continued to our old account ; XXXX - {$590.00} XXXX - {$870.00} XXXX - {$2400.00} XXXX - {$630.00} XXXX - {$600.00} On XX/XX/XXXX, our NEW account was charged {$600.00} were instrcted to call and file yet another claim, On XXXX after we discovered charges on what we thought was our closed/frozen account, we went into the bank and requested ALL accounts be closed and requested to withdraw our money. We were told we could not do this because of incomplete claims. We had opted to close the account and have a check mailed to us when the money became available, which I do not believe the account was ever closed. 

While we were waiting for our claims to go through, on the original account, citizens had rejected our mortgage payment and credited the account with {$2500.00}, which before we could retrieve as Cash from the bank, was spent fraudulently. 

When asked for more information from the fraud team they said that they have narrowed it down to a stolen debit card number in the summer of XXXX. However i don't understand how having a debt card number of a " captured '' card could give you access to a NEW account opened >1 year after that card number has been suspended, and if it does, than I fear for the security of all Citizens bank customers. 

We still do not have our money, they have kept us waiting for ~4 weeks and will not let us close our accounts until the claims have been settled, but in the mean time have proven they can not keep our money safe. We still await ~ {$3100.00} from Citizens Bank. not once were we alerted of any type of suspicious activity on our account even after we alerted them and opened a new account. I fear their security is so poor that my and my husbands other personal information is at risk.
Product: Credit reporting or other personal consumer reports

Request for Security Freeze on Credit Report Dear Sir/Maam : This letter is to formally request a security freeze on my credit report. 
I am concerned about unauthorized access to my personal information and would like a security freeze placed to prevent potential creditors from obtaining it without my authorization. With a security freeze, a temporary PIN will be required for anyone to access my report. 
My personal information is as follows : Full Name : XXXX XXXX Date of Birth : Date of Birth : XX/XX/ Social Security Number : XXXX Current Address : XXXX XXXX XXXX XXXX, Florida XXXX For verification purposes, I have enclosed photocopies of the following documents : Government-issued ID Proof of residence Please send instructions on how to obtain a PIN to temporarily lift the freeze in the future. 
Thank you for your prompt attention to this matter. I look forward to confirmation of the security freeze on my credit report. 

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

I'm writing to request your prompt attention to the inaccurate information on my credit file because it is seriously harming my creditworthiness. It is unacceptable that, despite my prior efforts to have the issue resolved with the creditors as well as the credit bureaus, the false information is still being reported on my credit file. 
XXXX XXXX XXXX XXXX XXXX Balance Owed : {$3000.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$860.00} XXXX XXXX XXXX Balance Owed : {$29000.00} XXXX XXXX XXXX XXXX Balance Owed : {$2200.00} XXXX XXXX XXXX XXXX Balance Owed : {$1500.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$27.00}. I've listed the precise accounts that need to be corrected, and I demand that you look into them carefully and take all required steps to have them fixed as soon as possible. As a credit reporting organization, it is your duty to make sure that my credit file is updated and accurate, and I won't stand for any further inaction or carelessness on your part.
Product: Credit reporting or other personal consumer reports

I woke up to a distressing discoveryan unauthorized inquiry appeared on my credit report, and I have no explanation for it. I check my report frequently, and this came out of nowhere. I even refreshed my browser, hoping it would disappear, but it didnt. This is unacceptable, and I need this issue to be addressed right away. I expect my submitted documents to be carefully reviewed so that I can finally stop worrying about this.
Product: Credit reporting or other personal consumer reports

On my recent XXXX credit report, I discovered that Equifax has inaccurately added 16 inquiries belonging to someone else and in the process they backdating them from XX/XX/XXXX, to XX/XX/XXXX. 

These inquiries are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

It is impossible for these inquiries to be mine as each one of them have a reporting date from XXXX and my credit report had no inquiries from the prior years as well as no inquiries as of XX/XX/XXXX, through XX/XX/XXXX. 

XXXX actions violate the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), which mandates that credit reporting agencies follow reasonable procedures to ensure maximum possible accuracy of the information on a consumers credit report. 

I demand the immediate removal of these erroneous inquiries from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items or information which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you. Please block/remove these files. 
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  Date opened XX/XX/XXXX Balance : {$1500.00} XXXX XXXX XXXX Date opened XX/XX/XXXX Balance : {$580.00} XXXX XXXX Date opened XX/XX/XXXX Balance : - XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance : - XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance : {$3300.00} XXXX XXXX XXXX Date opened XX/XX/XXXX Balance : - XXXX XXXX Date opened XX/XX/XXXX Balance : {$10000.00} XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX 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  Opened : XXXX XXXX XXXX XXXX Balance : {$630.00} XXXX XXXX XXXX Opened : XXXX. XXXX, XXXX Balance : {$3200.00} XXXX XXXX XXXX Opened : XXXX XXXX, XXXX Balance : {$0.00} XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX - XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX Inquiry : 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 Inquiry : XXXX XXXX, XXXX If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit card or prepaid card

I closed a Citi card in XX/XX/2022 with a {$0.00} balance ; at that point I destroyed the card and shredded statements, as I hadn't used the card in years. However on XX/XX/XXXX I received a letter from my bank that they were limiting access to my Home Equity Line of Credit account because of unpaid bills and debt. An XXXX report indicated that someone had run up more than {$17000.00} in purchases on my card, apparently after I had closed it. I had no notification from Citi about these purchases. I have filed a report/dispute with Citi but they are unable to answer why I was not notified.
Product: Credit reporting or other personal consumer reports

ATLANCTIC CAPITAL BANK/SELF XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX XXXX my rights have been violated according to the law : 15 USC 1681 sec 602 a I HAVE A RIGHT TO PRIVACY and don't want these transactions and experiences reported from this account unless the negatives are taken off! 15 USC 1681 604 sec 2 the can not furnish this report without my consent 15 usc 166b my transactions or experiences can NOT be reported as LATE 15 usc 1681 A 2 a1 according to the law transactions and experiences are NOT INCLUDED IN THE CONSUMER REPORT also most importantly MY INFROMATION SHOULD BE ACCURATE and FAIR.. i have inaccurate information from this account which has effected my future of obtaining a home and a vehicle i have proof of inconsistencies and the law that is broken by this inaccurate information reported on my credit report
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 confidentially under 15 USC 1681. Act Name : XXXX  XXXX XXXX, Act Name : XXXX XXXX  Act Name : TXXXX Act Name : XXXX XXXX XXXX XXXX XXXX XXXX Name : XXXX XXXX  XXXX XXXX Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Name XXXX XXXX, XXXX Name : XXXX XXXX XXXX, XXXX XXXX, Act Name : XXXX XXXX XXXX, XXXX Name : XXXX Act Name : XXXX XXXX, Act Name : XXXX XXXX, Inquiries : 15 USC 1681 section 602 A, 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 an account without my written instructions. 15 USC 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 convictions of crimes which antedates the report by more than seven ( 7 ) years. 15 USC 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 reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

I was scammed for XXXX xrp crypto using the app XXXX. After reporting the scam, robinhood has locked my account, refused to let me do anything with my funds, and refused to answer or let me submit any sort of support requests and are ignoring my calls. I just lost hundreds of dollars to a scam and now literally all the rest of my money is locked in this account and they are not doing anything to fix it or give me access to my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting Act Convergent Accounts, has violated my rights. 

15 U.S.C 1681 section 602 A. States There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers 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.

15 U.S.C 166b A Creditor May not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason.

15 U.S. Code 1681c Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years.
Product: Credit reporting or other personal consumer reports

This is my third time requesting the below items be removed or proof that they are mine be provided. These are not my accounts and I have filed a police report due to my wallet being stolen in XXXX and then all of this shows up a year or so later. 

XXXX XXXX {$680.00} XXXX XXXX XXXX {$700.00} XXXX XXXX  XXXX XXXX XXXX XXXX XXXX {$5300.00} XXXX XXXX XXXX I Closed on XX/XX/XXXX XXXX/XXXX  Closed on XX/XX/XXXX XXXX/XXXX  Closed on XXXX XXXX, XXXX XXXX/XXXX  Closed on XX/XX/XXXX XXXX Closed on XXXX XXXX XXXX XXXX XXXX Closed on XXXX XXXX XXXX I contacted each company and they couldnt provide any information and when I gave my address social they either couldnt verify me or had no record. 

My Identity Theft Report reference number is XXXX and my police report number is XXXX.
Product: Credit card or prepaid card

When signing up with the card they never tell you or gave me terms saying this is this or that. I never even received my card on the mail I was using a copy I was able to download online to use it. I never got statement in the mail and now that I look at the statements I see they even have my address wrong.So a year later with care credit I think I'm almost done paying my card because I make high payments like $ XXXX but always over my min payment. I go into the account to log in and I see I'm being charged XXXX instead of the XXXX dollars I was currently at going down in back at where I started it I would of known this I would of never signed up with this Care Credit company!
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several inaccuracies on my report that I didnt authorize these accounts violating my rights according to the FDCPA. The Credit Reporting agency continues to violate my rights according to 15 USC 1692. " Any bad debt furnished on your reports is ruining your reputation and it's defamation of character '' I am requestion that the credit agencies stop reporting these accounts and violating my right according to the 15 USC 1692. I recently pulled my credit report and I am a victim of id theft. someone has stolen my identity, I want to investigate these fraud accounts and press charges.
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 USA 1681. The accounts below have violated mi rights. 15 u.s.e 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 tem of information, other than records of convictions of crimes which antedates the report by more than seven ycars. 15 U.S.C 1681s-2 ( A ) ( a ) A person shall not furish 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 inaceurate. 
Delete the accounts below : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Showing 30 days late on XX/XX/2022 payment that I made on time, but payment was erroneously sent to savings account instead of credit card. I spoke with XXXX XXXX XXXX regarding the situation and they filed disputes for me, but the information is still on my credit reports.
Product: Credit card or prepaid card

The Credit Card Company is Avant, my name is XXXX XXXX I have noticed on my statements I have been charged XXXX to XXXX interest each month on a XXXX balance. The company says there is no monthly fees, my billing date is the XXXX of each month. I paid in ful my previous balance on XXXX of XXXX. But I'm still being charged interest on that balance enough it has been paid before the due date. As of today XX/XX/2021 I paid the interest balance and closed my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information was found in my reports. The XXXX Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/20XXXX XXXX XXXX Inquiry Date XX/XX/202XXXX XXXX XXXX XXXX Inquiry Date XX/XX/2020
Product: Credit reporting, credit repair services, or other personal consumer reports

Beginning XX/XX/2018 I begin my dispute process with Experian, XXXX, XXXX  and XXXX concerning inaccurate and unverified bankruptcy reporting on my credit report maintained under my social security number. FCRA Section 611 ( a ) ( 2 ) requires the Credit Bureaus to contact the original furnisher of the information and to provide me with the name, address, and telephone number of each federal bankruptcy court clerk contacted regarding this alleged and dismissed bankruptcy. 

Therefore I have filed my FTC Identity Theft Report, and 605 B statement ( attached ) and mailed certified affidavits as notice of the guidelines of the Fair Credit Reporting Act has been violated as it relates to my credit file, according to the 15 U.S.C. 1681 2 ( b ) obligations to investigate. 

I requested validation of all data for this Bankruptcy reporting account, every notation, dates and balances, whether reported or not and errors pertaining to the following Personal Information. Per FCRA 611 ( 15 U.S.C. 1681I ) is required to provide me with a description of the procedure used to determine the accuracy and completeness of this disputed information. After my disputes were received by Experian, XXXX, XXXX, XXXX, and XXXX XXXX, they are required under 1681i of  the FCRA to forward me a dispute verification form to the original furnisher, requiring them to verify the credit information accuracy reporting.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act the following accounts has violated my rights : XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion 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