23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

My name is XXXX XXXX, and I am submitting this complaint on my own behalf- there is no third party involved. My SSN ends in XXXX. I am being fraudulently harassed by Bank of America, and this has been going on for MONTHS now. Bank of America is claiming that I owed an alleged " debt '' that I did not & do not owe ( its a fraudulent account ), so I went ahead and sent them a Cease & Desist, Affidavit of Truth, FTC Identity Theft Report, and all supporting exhibits to prove all claims- on XX/XX/2021. I have the certified mail tracking number proving they received my cease & desist on XX/XX/2021 ( XXXX ). They ended up CLOSING the original account and opening a duplicate account ( fraudulently, without my permission ) in response to everything I sent them proven documentation of. The BoA account ending in XXXX was deleted from my credit report, and then a NEW BoA account ending in XXXX was placed onto my credit report, without my permission. This account has NOTHING to do with me- and is a 100 % fraudulent banking practice. Since that time, I have continued to be sent " bills '' that I do not owe on this new account, reminders of " payment '' that I do not owe, and voicemails in which they're harassing me, trying to get me to pay this fraudulent debt. They are clearly violating my cease and desist order, and violating me in a number of ways under 15 U.S. Code 1692c. Despite the fact that I have written proof that they received my Cease & Desist order, in which I clearly told them to never contact me again, and that I will not be paying this fraudulent debt- they continue to harass me and cause me mental and emotional anguish. I am demanding that Bank of America cease all communication with me, stop calling me, stop leaving me voicemails, and never contact me again without my written permission. They have caused me immense mental, spiritual, emotional and physical distress and anguish. If they do not comply with this final warning, I will be filing suit in Federal District court.
Product: Credit reporting or other personal consumer reports

This is a request for my personal information to be updated with XXXX, Equifax and XXXX. I made this request on XX/XX/ 2024. The information has not been corrected, nor have they responded to my request.
Product: Debt collection

Good afternoon to whom it might concern ; I have a collection of an unknown bill that I did not take or do. Is IC SYSTEM it also says XXXX XXXX XXXX XXXX  and is for XXXX dollars. By law this company is reporting an account that was open fraudulently and I ask transition to erase it because they cant verify what I never open and by law Im trying to get a mortgage and is hurting my credit and not allowing me to get a mortgage and XXXX just lost a XXXX for doing This to customers and abusing and reporting wrong and fraudulent information and this is a second  year that I can not get a house for XXXX and the companies named above using my private information hurting me and abusing me. I will legally this time take actions because they have no rights to use fraudulent Information and placing it on my credit report without my consent.
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 U.S.C 1681. ACCOUNT Name : XXXX XXXX, XXXX ( Original creditor : XXXX XXXX  ) XXXX and XXXX XXXX XXXX  XXXX XXXX. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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: Credit reporting or other personal consumer reports

FCRA violations because this account was charged off a year ago I do not owe this account and I want it deleted from my credit report immediately. 1099C was submitted over the summer to XXXX XXXX I have no idea who these people are this is identity theft.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I pulled my credit report and noticed I had an active car loan on my report. My personal information was leaked in a data breach and my credit was affected tremendously from this. I initially contacted XXXX XXXX to inquire about this loan and was given proper directions on how to rectify the problem. I have since then been trying to dispute inaccurate information thru the credit bureau ( s ) I contacted XXXX XXXXXXXX XX/XX/year> I was told that the car had been repossessed, and a balance was owed on an account that I never opened up. I have disputed this account several times from all 3 companies and have only been notified that the account information was updated and never removed. I sent in all of the information to validate my identity as well as the information to prove this account does not belong to me. This account is hindering me from purchasing a home for me and my family and I need this matter attended to. XXXX XXXX is giving me the run around and not being as attentive as I need them to be. This data breach has affected my life and my credit hindering me from being able to obtain any credit
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax pretends they are investigating. Equifax responded they investigated XXXX  XXXX, which I NEVER made a complaint about. 

The hard inquiries ( XXXX XXXX XXXXXXXX XXXX ), 200 SOFT INQUIRES, and 2 accounts from ( DEPT OF ED/XXXX  ) was never removed as I demanded. I NEVER GAVE MY CONSENT OR PERMISSION to report. I provided the FTC report on multiple occasions including uploading it to the prior complaint through CFPB and STILL Equifax is getting away with reporting inaccuracies to my consumer report. This is unjust, this is FRAUD. This is an on-going pattern.
Product: Credit card

On XX/XX/year>, I submitted a dispute request with Fidelity Rewards Credit Card, after a service not delivered ( but charged ). Fidelity informed me that it will me a provisional credit, asked me to submit a form, and will investigate. 

On XX/XX/year>, I submitted the form as requested. 

No communication, no investigation, and no evidence were provided. 

On XX/XX/year>, just 2 days later, I saw the credit reversed and " case resolved ''. When clicking on " view details '' on the status dashboard, the page simply goes into a blank with no information. It is clear that the credit company did not take the time to investigate and promptly shut the case and claimed it as resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has it for collection, the creditor did not answer my health provider questions, so i not responsible in this health provided does not answer my ins inquiry
Product: Credit reporting or other personal consumer reports

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is Adriana Burnette and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Product: Credit card or prepaid card

I have XXXX XXXXy for my Bank of America card but I also made XXXX extra separate payments beginning in XXXX, XXXX and XXXX on my Bank of America credit card which amounted to almost {$2500.00} and the money was not applied to my active account. Instead the money mysteriously was applied to an inactive business account and no one can explain why it went there instead of my personal account. I discovered this mistake last week and attempted to fix this error. I contacted B of A online. They said that the money will be transferred to the proper account but it may take up to one or two billing cycles. In the meantime, I am paying full interest on money due. It also then limits if I have a big purchase to make as well. What is the delay? They should be paying interest on my money.instead of charging me. When you attempt to talk to them via phone, they hang up on you when you ask them questions as well. Can you help me? Thanks in advance.I also went today XX/XX/13 to a local B of A bank in person to ask them to fix this problem and I got the run-around and they are shifting the blame to my personal XXXX XXXX. This is totally inaccurate, B of A made the error and refuses to make it more timely. Thanks again
Product: Credit card or prepaid card

I contacted CITI bank online support on XX/XX/XXXX, was directed to XXXX instead of US. 
Online support representative notified me that account access can't be restore due to account was charged off. I advised representative that my account was enrolled into Debt Management Program since XX/XX/XXXX. Representative transferred my call to Recovery Unit which also located overseas in XXXX. I spoke to a new representative, have to verify all my personal information again. Spoke to representative named XXXX who not very knowledgeable and informed me again that my account was charged off. I advised representative that I never received any notification from a company that account was charged off. Representative stated that they are not required to notify me about action taken on my account. I have been discussing my financial situation with bank and asked him to assist me with enrolling my account into financial hardship program due to recent reduction of my income and lost of my employment. Representative refused to forward my info and request to appropriate department for review. He stated that I'm not eligible for hardship because I do not meet their criteria s for hardship. I requested to speak to supervisor. I have been on hold for more than 10 minutes before I transferred to supervisor. I spoke to XXXX, call center supervisor who also was reluctant to assist me with my need for hardship. He only offered me assistance to transfer my call to payment arrangement department who can assist me some payment options that might be available for me. I wanted to speak to someone in United States and not XXXX and they don't have any number to provide to me for assistance. I'm completely dissatisfied with CITI Bank customer service and how they treat their customers. No assistance at all. No reasonable explanation what they have done with my account.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to inform you about a very alarming and important issue regarding the compromise of my social security number, which has resulted in me being a victim of a data breach and identity theft. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report enclosed with this correspondence. By 15 USC 1681c-2 c ( a ), it is imperative that you, as a credit reporting agency, take immediate action to block and remove all information associated with this identity theft from my credit report. This statute mandates that credit reporting agencies must promptly address such requests within XXXX business days of receiving a complaint that includes the following information : XXXX XXXX Account XXXX In compliance with 15 U.S. Code 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual to whom the report relates. This is clear proof that this item is reporting INCOSISTENTLY across all the displayed bureaus, an infraction of compliance! DELETE at once! 

XXXX XXXX Account XXXX The XXXX data breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. 

XXXX XXXX Account XXXX The XXXX data breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report.
Product: Credit card or prepaid card

I am writing to delete the following information in my file. The items I need to delete are listed in the report. I am a victim of identity theft. I ask that the item be deleted to correct my credit report. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal trade commission 's identity theft affidavit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a couple inquiries I did n't authorized showing on my credit report, It wo n't let me dispute them online. One is an XXXX inquiry from XX/XX/XXXX and another is XXXX XXXX from XX/XX/XXXX. Please remove these inquiries as soon as possible. Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed a fraudulent inquire on my credit report that I did not authorize.
Product: Credit card or prepaid card

We bought a household appliance on XX/XX/XXXX with our Chase credit card. The appliance was under warranty but the company refused to service the appliance after calling them every day for weeks. 

We reversed the charge, and the company sent us to debt collection. The debt collectors sent us an intimidating email so out of fear we sent them a check on XX/XX/XXXX to pay for the appliance plus an additional late fee that was 33 % of the original payment. 

Then Chase undid the charge reversal, meaning we have paid the company twice. We contested this and sent detailed proof to Chase that we had paid the debt collectors, including the emails from the debt collectors and scans of the exact check we sent to them. 

We are stuck with a broken appliance that we have had to pay more than double the price for. Please help.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX XXXX XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX # XXXX XXXX  DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX  # XXXX- DATE OPENED XX/XX/XXXX Account Name : XXXX  XXXX XXXX  XXXX XXXX  - DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX XXXX - XXXX XXXX  XXXX - XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX  - XXXX XXXX  - XXXX XXXXXXXX XXXX XXXXXXXX - XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX credit score reported by Experian is over 100 points lower than the other two bureaus due to what they say is the " serious delinquency '' on my payment history. However the credit reports they keep sending me in response to my dispute show NO delinquencies whatsoEVER on any open or closed accounts. 

My score from Experian dropped over 100 points back in XXXX, and my online account with them says it was due to serious delinquencies on one of my nine accounts. All factors contributing to the score are reported as Exceptional except Payment History. I've been told by phone in XXXX and by letter in XXXX that I can not dispute my score, only my report information. I was also told " the system would reset. '' I believe the error occurred when I suffered a total loss accident ( not my fault XXXX in XXXX on my leased vehicle. The creditor sent me a letter stating I need not continue making lease payments as my insurance company was handling the payoff. When the unpaid lease balance showed on my credit report I disputed the amount and uploaded the letter. Experians dispute center updated my report to show paid ; closed ; never late in XXXX. The two unnecessary payments were reported as ND -- '' no data. '' It is now XXXX. My Experian XXXX score is still over 100 points lower than those reported by the other two credit bureaus, all of which show exactly the same nine accounts. I do not want an inaccurate score to impact my upcoming insurance premiums. 
While this is all minor compared to so many, it's about trust. If this is happening to me, what about others?
Product: Debt collection

I took out a loan with XXXX XXXX and it got sent to collections with AD ASTRA, I got a notification from XXXX XXXX yesterday saying that my collection account has decresed, I checked the account and the statement says it went down {$1.00} so it went from {$800.00} to {$800.00}, I have not made any payments to the account and it has bee nthere since XXXX, I have not had any communications with this company other than it showing on my credit and I also did not make a payment to them in the amount of {$1.00}, they are falsifying this information that is showing up on my credit report. 

The document I uploaded was reported on XX/XX/XXXX and I got the update to my phone on XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I also noticed that you reported this debt on my credit report as a charge-off with a balance. This reporting is accurate, and here is the reason why : if you sent me a 1099, this means that you charged off this debt, and took a tax right off. You basically cancelled the debt. You also filed a claim with your insurance company to offset the alleged loss. Because of these two actions, the liability no longer exists, and you can no longer report this charge-off to the credit bureaus. If you continue to report, you will be in violation of the FCBA and FCRA. I will do whatever it takes to protect the rights afforded to me by the FCRA. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I don't know just XXXX blocks me from all my emails that are linked to my stuff since XXXX and so I can't log into any of my bank, government funding, or really anything that life requires you to log into in order to maintain or correct an issue that has been blocking me from getting my life back together after I retired from XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax suffered a data breach and failed to adequately notify me of the breach in a timely fashion. Additionally, Equifax has not provided specifics on which pieces of my personal identifying information were stolen. Equifax 's overall communication and handling of this entire issue have been poor.
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. 

Account name : XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX # 1937, Account name XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX  # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX # XXXX, Account name : 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 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: Credit reporting, credit repair services, or other personal consumer reports

I am distressed that you have included the information below in my credit profile and that you have failed to maintain responsible procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. the following information, therefore, needs to be re-invested. I respectfully request to be provided proof of this alleged item, specifically the contract, note, or other instrument bearing my signature. I have attached the FTC identity theft report including all inaccurate information. Failing that, the item must be deleted from the report as soon as possible, As the item is inaccurate and incomplete. please delete this misleading information, Thank you!
Product: Debt collection

My original complaint against this collection agency was : #  XXXX  The collections company agreed to remove from my credit report and withdraw all claims against me.     When I go into the credit report on  XXXX , it was removed, but now it is back. This should be deleted from their records and removed.     Can you follow up with :  XXXX   XXXX   XXXX   XXXX   XXXX , IL  XXXX  (  XXXX  )  XXXX  So they actually do what they agreed to do. This is still showing up on my credit report and they agreed to remove it in the original claim f rom Consumer Finance la st month. They have n't done what they told you they would do.     Thank you  XXXX   XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My current car loan which show it being with XXXX XXXX XXXX on XXXX and Transunion but shows XXXX XXXX XXXX XXXX on my XXXX report is being reported late every month on XXXX  and Transunion but my payments on time with XXXX. This is killing my credit because my payments are current and on time. I have tried to get this taken care of with them but they say its nothing that they can do and it is very frustrating trying to get this matter resolved. This is the partial account number XXXX.