23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Hello. 

The story here might sound strange. This credit card was never opened by my permission, and i have never opened or ordered to open any credit card from Bank Of America. 

When i first saw a charge on my account from the credit card company i went to the bank to ask about it and i have been told they will take care of it. Month later i saw charge again and i went again to the bank. This time i did n't have money in the account enough to cover the charge so i have been charged also for negative balance fee. 

This happened 4 times in a raw and i did n't want to pay the balance because i was n't the XXXX who made the mistake. They ruined my credit and i could n't get car or loan or any normal service from anyone that asked for my social security number. 

Today i want to take care of this issue completely. I need your help please. 

Thank you, XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, HI XXXX ; XXXXXXXX XXXX XXXXXXXX Balance : {$1400.00} ; XXXX XXXX XXXX XXXX Balance : {$3300.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$12000.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$11000.00} ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance XXXX {$6000.00} XXXX XXXX XX/XX/2021 ;
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, XXXX XXXX XXXXXXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly 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 XXXXXX/XX/XXXX
Product: Credit card

Self credit card- Purchased access to an online auction site XXXX XXXX After completing the process I was unable to submit the required documents. 

Received a letter from XXXX informing me to dispute the charge as they were unsuccessful in processing a refund. 

Dispute initiated w self CC. After 30 days I received a letter stating that after a thorough investigation they find no error in billing. 

A follow up phone call to XXXX they informed me they have not received any attempts at disputing the charge in question.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no clue what's going on so I have no choice but to file a complaint. Equifax, XXXX, and XXXX  have received my disputes XX/XX/XXXX and still have not been able to give me my dispute results. Today is XX/XX/XXXX This is almost 2 months with no response. I found a ridiculous number on inaccuracies and misleading information that's making it hard to get credit. I found that the bureaus are in violation of the Fair Credit Reporting Act. I, the consumer have rights that are being violated under the FDCPA as well. The bureaus have 30 days to investigate pursuant 15 USC 1681i and failure to do so means these items should be promptly deleted. You are also in violation of my CONSUMER rights to privacy pursuant 15 USC 1692b. These violations make me think you have been practicing unfairly this entire time.
Product: Credit card

I applied for a Best Buy Citi credit card on XX/XX/XXXX. I was denied because I " have insufficient accounts '' as reported by XXXX. This does not match my records as I have several credit cards, a student loan, and a mortgage noted by XXXX, all with good payment history, XXXX XXXX XXXX. I do not think that this meets " denial '' criteria and I need more information as to why this company denied me this card. I hope this has nothing to do with my age, gender, or ethnicity... .. More so XXXX and XXXX also note my extensive credit history. 
I am also extremely displeased with the customer service I experienced, they provided me with a number to inquire for more questions on the denial and I was unable to obtain a live human. I called their main credit card number line, and after many attempts, I did get a live human who promptly hung up on me. Perhaps blessing in disguise that I did not get this card.
Product: Debt collection

COMPLAINT OF INTIMIDATION : During the months of XXXX and XX/XX/year>XXXX  I kept getting threatening and harassing telephone calls from " XXXX XXXX '' various persons leaving screaming voice messages that I owe {$11000.00} from some car rental company. I do not know how they got my telephone number but I asked them to stop calling and for nearly two months they did not. I then reported XXXX XXXX to the Federal Trade Commission do-not-call list. They are wanting money for some bill and/or claim that is totally fraudulent and concocted by XXXX XXXX XXXX XXXX. I asked for proof but what was presented was a bogus fabrication and a scam. They sent harassing Mailings threatening harm against me, threatening to take away my drivers license and threaten to arrest me if I don't give them money... I also reported this to my State Attorney General 's Office where I live. And still as of today someone name XXXX XXXX keeps calling me even though I blocked XXXX XXXX phone numbers. I'm now working with my XXXX XXXX Security Team to place a permanent block on my credit reports against this company XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I attended XXXX College from XXXX in the Wind XXXX XXXX. I was set up with a loan managed by XXXX Colleges ( who is apparently no longer in business, along with XXXX College/any other colleges they managed ). 

I chose to pay off the loan early in full in XXXX of XXXX. 

However, on a credit report I received in XXXX of XXXX, I had a " negative '' item affecting my credit/on my credit report related to this loan. The information on the report is as follows. Original creditor : XXXX College. Credit Limit/Original Amount :  {$1500.00}. Collection Agency : XXXX XXXX XXXX. Status : Paid, Close.  Payment History/Month Opened : XX/XX/XXXX. Payment History, Month Closed : XX/XX/XXXX. 

From the information above, some company related to my loan filed me for collections but then immediately closed it a month later - because I paid my loan in XXXX. Although this isn't showing up on my current XXXX Experian credit report, a lender who I am getting a mortgage loan through did find it and it is affecting the interest rate I can get for that loan. 

I want this removed from my credit history completely so it doesn't affect anything in the future.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX DOWN BY Over 6 lenders, discrimination complaints against a federal government agency this was filed with the Federal Trade Commission and the Consumer Financial Protection Bureau. list of complaints never getting addressed. due to the lack of not getting Addressed, I collect countless documents and images and sent with complaint, sent letter to them send letter certified, they Received them and did nothing, to your office as well as the credit bureau. you office had over 18 complaints not being address, the credit bureau reported debits valued when the reporting data is showing no payments every made, accounts were closed a-part of a XXXX home loan refi. checks was sent and data wasn't proved to them right. on XXXX and money was taken out off mine and my wife XXXX bank, after fight over 2 years with this matter your office failed to removed this wrong info, by blocking American XXXX act, and the fair debt collection practices act, i have sent-mail and emails to the following with no results, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, As you can see from the list provided I'm getting no were i asked your to call me when this happened in Utah and now its still going on i have ended up with a stress induce XXXX XXXX over this i ended up in small claim court were the dismissed after spending XXXX or more.
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 Acct name : XXXX XXXX XXXXXXXX Acct XXXX XXXX Acct name : XXXX XXXX XXXX XXXXXXXX Account XXXX XXXX Acct name : XXXX XXXX XXXX XXXX  XXXX Account XXXX XXXX 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 1681 c. ( 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 crime which antedates the report by more than seven years 15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that information is inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an account that appears on my credit that I believe is a result of identity theft because it is not mine. I have filed a police report and a report at Identitytheft.gov. Both have been sent to the credit bureau and they refuse to delete the information from my report. They have ignored my numerous letters and calls dating back to XX/XX/2019. I'm assuming maybe because they see that I'm a XXXX XXXX from my proof of identity documents that they feel they can just ignore me. I've gone through all the proper protocol and they continue to ignore me, which is resulting in me not being able to purchase another car for work.
Product: Credit card

I recently opened a credit card through Synchrony Bank. I opted for paper statements for various reasons-one being a XXXX. I misplaced a paper statement and went online to print a new one. I was not able to. I can not even view any transactions. 
I called Synchrony Bank to request the misplaced statement and did receive it. I also stated I did not think it was legal to force me to go to electronic statements as this is Synchrony 's default. I was told by a Synchrony Bank representative that Synchrony has not violated any mandates as they did send me my requested paper statement and when I requested another one, they did provide it. 
I disagree w their reasoning & believe Synchrony IS in violation of mandated credit card practices : 1 ) Synchrony has made electronic statements their default ; 2 ) Synchrony is coercing its paper statement clients to switch to electronic statements by not allowing them to view their statements or transactions online, 3 ) Credit card recipients have a right to receive statement in a manner best for them ; 4 ) As a cardholder opting for paper statements, I am treated differently than cardholders opting for electronic statements, by not allowing me to view my statements online.. I believe this business " policy '', as they referred to this practice as, is a blatant act of discrimination.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and found the following items to be errors. Here as follows are items in error : XXXX XXXX XXXX, XXXX, XXXX XXXX This address is not my current address and its not a mailable address. 

My ONLY current address and mailable address is : XXXX XXXX XXXXXXXX XXXX XXXX  XXXX, XXXX XXXX SEE ATTACHMENT ENCLOSED IS MY LEASE AND IDENTIFICATION IF THIS IS NOT CORRECTED FURTHER ACTIONS WILL BE TAKEN PLACE
Product: Checking or savings account

I had a deposit from my college of {$620.00}. On XX/XX/22. Then when I tried to access the funds Venmo froze my account. I contacted them and they said it would be Monday XX/XX/22 before it would be unfrozen. Well XXXX  has came and gone but my account is still frozen. I contacted them again and they are now saying it's going to be up to XXXX more days. I done everything they asked me to do as far I sent them my ID and a photo me holding my ID. I gave them my phone number, my email address and my physical address. Like they asked me for. Now my XXXX daughters ( XXXX & XXXX ) and my wife and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. All because Venmo ( XXXX ) will not give me my funds. And none of this is my fault. And now they are telling me it could be another XXXX weeks. That's not right at all. 

Thank you in advance.
Product: Debt collection

the one called is ( XXXX ) XXXX portfolio recovery is the name they use they call 4 time last week they call today at XXXX I have told them 3 time before it not the woman who there calling phone but they keep calling please make them stop
Product: Debt collection

Continued to call and try to make contact with debt collector. They continue to take messages and claim the agent is on another call. I contacted them to try to make settlement so i can purchase my house and my time is running.
Product: Credit reporting, credit repair services, or other personal consumer reports

Several Call regarding the updating of my account to the three major credit beaureaus.

Called 3 times in XXXX  and again in XXXX  and was told they already updated my account info to the credit company
Product: Checking or savings account

I am filing this complaint on behalf of XXXX XXXX XXXXXXXX, XXXX, which is a business I owned for nearly 10 years, until embezzlement destroyed the company. This would have been preventable if Bank of America had not allowed a convicted criminal to not only change credentials to his own ( and still, to this day, after multiple notices to them that this was happening, they still hold his personal information in their system as the primary person responsible, despite the fact that he was never authorized to be in this position. 

Once in position ( fraudulently ), this person, XXXX XXXX, a criminal convicted of embezzlement in New York, directed hundreds of thousands of dollars toward his money laundering shell companies, his personal accounts and paid out personal expenses ranging from XXXX, XXXX, XXXX XXXX, parking and countless other examples of misappropriated, embezzled funds. 

Despite Bank of America being sanctioned by the OCC in XXXX, with their Cease and Desist Order against BOA due to BOA 's flagrant violations of the BSA ( Bank Secrecy Act ). Bank of America has no regard for consumers of the safety and security of their funds. 

Despite more than XXXX wire transfers to money laundering shell entities solely controlled by the embezzling criminal, Bank of America did NOT ONCE CONTACT ME TO VERIFY THESE TRANSACTIONS. More troubling, Bank of America has no security system in place to detect fraud other than automated algorithms to prevent debit card use that appears unusual. 

This business lost $ XXXX of value due to theft of a few XXXX XXXX dollars. 

I have attempted for the past 14 months to work with BOA to recover these funds, while also encouraging them to improve their fraud detection systems. They have no interest in listening, as no questions and do nothing other than obstruct attempts at recovery. 

The CFPB must take action against this corrupt institution.
Product: Mortgage

Colorado Housing and Finance is withdrawing money from my escrow account based on false claims of my lack of insurance. 

It began on XX/XX/XXXX, when I received a notice by mail that hazard insurance was purchased for {$2200.00} on my behalf due to a lapse in coverage. I immediately remedied the issue by purchasing a new policy and submitting those documents directly to XXXX  on XX/XX/XXXX. They, in turn, claimed that they had no evidence of my insurance coverage from XX/XX/XXXX, when I purchased my home, through XX/XX/XXXX when the policy ended. So I then submitted that to them as well. 

I was assured by phone that they received the documents and were in fact viewing them, and that I should expect a new escrow analysis to include refund for any unused hazard insurance. However this never occurred, and I have been playing tag with XXXX   ever since XX/XX/XXXX. 

Now it appears that they are very angry with me for filing a formal complaint with you. I can tell because on the same date they responded to this initial complaint, they sent me a letter on XX/XX/XXXX demanding proof of insurance or they will immediately purchase hazard insurance and charge me for it. 

I am attaching this latest communication from XXXX, as well as proof of coverage here in hopes of clearing this up once and for all.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : The Fair Credit Reporting Act gives me the opportunity to dispute any information on my credit report that I believe is inaccurate. This law requires all data in a consumer 's file be documented and validated before it can be used by creditors, so I take this seriously! The allegations of delinquency and derogatory behavior against me are false. I will fight back with all my strength! Your report accuracy is crucial. The allegations you are reporting do not meet federal or state requirements for reporting, so they can not be confirmed. I challenge this claim because it lacks compliance by meeting some basic standards that would make me feel more confident in what is being said. You are required to maintain and report data with complete accuracy and compliance. You must not report any claims that you know should be in compliance with regulations. We need to make sure all of your claims are accurate and reported in the correct format, as this is required by law ( FCRA ) as well as reporting standards METRO 2+. However, I request evidence that shows why my accounts are considered to be in a negative state. The proof of a permissible purpose for the inquiry or account within my report must be included. This letter serves as notice that you are not doing your job properly. It is imperative for this issue to be resolved immediately, or else there could potentially be serious consequences. I'm giving you 30 days from the date of this letter to resolve this issue, otherwise there could be consequences. I would like to receive physical proof of your actions and my updated credit report. The listed claims appear to be inaccurate. 
Please provide accurate and verified information for each claim, as the allegations are not true or I'll delete them immediately if that is indeed the case. 

Below is a summary of the data in which I am challenging : Summary of Accounts being challenged in list form XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

I want to file an complaint. I had borrowed an installment loan from Advance America in XXXX, Texas. I cant remember the exact date. I remember requesting to revoke ACH authorization from my bank account. As of XX/XX/2020, Advance America had taken money from my bank account without my permission. If you can look into this matter, I would be greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

These account are inaccurate and in violation of my consumer rights under 15 USC 1681c-2.
Product: Credit reporting or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed several items regarding XXXX XXXX XXXX XXXX that do not belong to me, however they are reporting to my Equifax report. I disputed the item with both XXXX and Equifax. I have stated that these items belong either to identity theft or placing accounts that belong to my father on mine. Equifax unlawfully combined my credit report into XXXX different reports and I believe this information from XXXX XXXX XXXX XXXX is part of this. I am attaching a letter sent to Equifax and XX/XX/XXXX requesting an investigation into my dispute under Section 609, 611 FCRA and as of the submission of this complaint, Equifax has not responded to my request, they only verified the information as accurate when the information is not accurate as they do not belong to me. Equifax and XXXX have violated The Fair Credit Reporting Act by not conducting a proper investigation into my dispute, by not providing to me, specific documents I have requested regarding my dispute with XXXX XXXX XXXX XXXX. More than 30 days have elapsed, an investigation in accordance with Section 609, 611 FCRA has not been conducted and I have not been provided any documentation in connection with my dispute regarding XXXX XXXX XXXX XXXX. Please find the attached dispute letter under Section 609, 611 FCRA as I request any derogatory report from XXXX XXXX XXXX XXXX be removed from my credit report.
Product: Debt collection

The attached referenced collection agency has violated my consumer rights and I have asked the company to validate the debt that they say that I owe with them by providing me with a copy of the purchase agreement and the bill of sale. The company has failed to provide any proof that the debt is valid. I have also advised a cease and desist until documentation is provided for the validation of debt with their company under the fcra laws 15 usc 1692 g. I am demanding that this be removed from my credit report immediately. 

XXXX XXXXXXXX XXXX  Last reported XX/XX/XXXX {$510.00} Open balance XXXX XXXX XXXX Original creditor XXXX  Opened XX/XX/XXXX ( XXXX mos ) Account status Open Type -- Responsibility Individual Remarks Consumer disputes this account information Collection account Original creditor name XXXX XXXXXXXX XXXX
Product: Debt collection

Sen t all  XXXX  cre dit bureaus to validate accounts over the last month and no action taken. Contacted the company in writing in  XXXX     2017  no action taken. They just sent a bill with my name on it. Never had an account with this company at all.