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

On XX/XX/XXXX, Bank of America rescinded a job offer for a Trade Application Support position after I successfully completed the interview process and onboarding steps. I was informed this decision was due to an internal flag in their system tied to the closure of my personal accounts several years ago. Despite multiple inquiries, Bank of America has consistently refused to disclose why the accounts, including a joint account with my wife, were closed, citing internal policies. The accounts were closed on XX/XX/XXXX. 

The flagged status appears to have unfairly impacted my ability to secure employment. Bank of Americas most recent response, received on XX/XX/XXXX, did not clarify how the flagged status affected the hiring decision or provide specific reasons for the account closures. This lack of transparency has caused significant financial hardship, professional setbacks, and emotional distress. 

I request that Bank of America provide : - A clear explanation of why my accounts were flagged and closed. 
- Clarification on why this flagged status impacted their hiring decision. 
- Assurance that such practices comply with applicable laws and policies.
Product: Credit reporting or other personal consumer reports

I like to request the removal of multiple unlawful hard credit inquiries from my credit report. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized inquiries. 
XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX 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, credit repair services, or other personal consumer reports

In XX/XX/2022, I requested an investigation with the credit bureau due to a bankruptcy being reported on my credit file. In XX/XX/2022, I was notified that XXXX  bankruptcy was considered accurate. I then contacted the US bankruptcy court regarding this issue and was told they have not verified and do not ever verify debts with the credit bureau. So, if this is XXXX  case, how did the credit bureau edify that the information reporting on my file is 100 % accurate. They never did a fair investigation according to the 15U.S.C 1681. 15.U.S.C 1681 section 603 ( 3 ) ( E ) states ; The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he/she is acquainted or who may have knowledge concerning any such items of information. However, such reporting information shall not include specific factual information on a consumer 's credit record obtained directly from the creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. They also violated my rights numerous times. The credit bureau violated my given rights under 15 USC 1681 According to 15 USC section 602A I have a right to privacy According to 15 USC 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish a account without my written instructions. According to 15 USC 1681S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting wit the person knows or has reasonable cause to believe that the information is inaccurate.

Im response to the previous dispute, Lexis Nexis has not contacted me via email, by phone or mail as stated in their response. I have provided all necessary documents requested in the response. 

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

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX , Account # XXXX XXXX XXXX XXXX , Account # XXXX XXXX XXXXXXXX, XXXX , Account # XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX , Account # XXXX XXXX XXXX XXXXXXXX, Account # # # # # # # 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
Product: Debt or credit management

IQ Data Collections took on a debt of mine that should have never existed and is now harassing me by calling my employer and coworkers.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 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 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 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 USC 1692 Section 805 A Section 3 States at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication.

15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified.Their unfavorable and unacceptable actions have been hurting my credit scores immensely.Please see below the items I am concerned of : 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: Debt collection

A new compliant in response to CFPB Compliant # XXXX to the response from Professional Collection Service Inc ( GA ) on XX/XX/XXXX. I never received any correspondence from you in XXXX via-mail which you claimed you provided me a 30 day validation notice which provides me the legal right to dispute a debt that is not mines. 

Secondly you are a debt collections or third party vendor who is trying to collect money from me illegally without a contract ever being established with your company. According to the FDPA states that without a contract I don't owe your company any money Legally.Which is a complete violation of the FCRA section 609 because you are reporting inaccurate information onto my credit report as an illegal company that I have not established a contract with and that is a defamation to my character as a consumer. 

Also in the previous response you stated that you were sending me validations of the alleged debt of XXXX. Please be advised that according to the FDPA BILL STATEMENTS or Receipts are not Legal Debt verifications and you must provide me with documentation or a contract with my signature to make it a legitmate debt that I owe. Also by HIPPA Standards you are not suppose to have any access to my medical records
Product: Mortgage

1. I applied for the refinance of a loan on an investment property with Citibank. The marketing person gave loan cost info that was substantially below what actually was charged and told me he would see the loan through the entire process. He did not!!! The service dept. was " on its own '' and with no XXXX checking on the status of the loan, the loan processor got a new position and apparently did not tell the new processor that the XXXX pages of documents I had faxed on 3 days demand which were to go to underwriting, were in the file! When the new processor asked for the same docs, I informed her I had a receipt from 10 days previously. She said she had no documents. I called her supervisor who found the documents! I was also told just before closing that I had to obtain insurance coverage for the Assn. Master policy and the co. to call. That Co. was surprised that the lender did not make the request ( typical I was told ) and that I had to pay them for it ( the usual payment was through escrow ). When the closing documents were presented late on the date before closing from Citi 's closing dept, there were many errors! I came to escrow early knowing extra time would be needed to repair the errors. The errors were not corrected timely and I paid 3 more days at the higher rate from the previous lender. 
The marketer 's answer : no big problem and not to worry about it and no one will do anything about it. His supervisor told me he was sorry and gave me your email. A friend told me she had had the same experience with Citibank and the servicing dept., about the same time, although we each had a different marketing salesperson. 
A less experienced or sophisticated client would end up paying substantially more for their loan, perhaps going beyond the guaranteed interest rate date, due to sloppy management.
Product: Credit reporting, credit repair services, or other personal consumer reports

In my last request to EXPERIAN to verify the two accounts listed on my credit report XXXX and XXXX XXXX they came back with the report # XXXX, in that report indicate that the information have obtained through a third party XXXX XXXX XXXX XXXX .I contacted XXXX and they effectively removed the two accounts from my records ( see attached letter ).  The information that Experian is reporting in my credit reports about XXXX and XXXX is inaccurate! That false information is affecting my credit report.
Product: Checking or savings account

I found a fraudulent charge on my bank statement showing XXXX XXXX with a name I did not recognize. I almost rarely use XXXX XXXX. The only time I ever use XXXX XXXX is to send to XXXX which is a delivery service locally near me. I filed a dispute with my bank and they denied my dispute stating that I need to address it with XXXX XXXX. I researched the so called name next to the XXXX XXXX  name on my statement and it looks like its a fraud account, scamming people online using con XXXX schemes and blackmail promotion. TD Bank is allowing this take place. I kindly asked TD bank multiple times to block any XXXX XXXX  future transactions and they chose not to. I had someone try setting me up on XXXX with money laundering. TD did nothing about basically other than close my XXXX account. I got these nasty criminal hackers targeting me and TD just sits there ignoring it. I'm tired of being the victim. If you search the web, XXXX, XXXX XXXX, blackmail and XXXX XXXX, you'll find all sorts of crimes.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion is allowing a company by the name of XXXX XXXX XXXX XXXX to submit fraudulent scam fake time-barred accounts onto people 's credit reports so TransUnion allowed such mentioned company to put that I am in collections with them I don't even know the company XXXX XXXX no one can tell me who the original creditor is it a fake faults or time-barred debt that goes against the fair debt collection action practices
Product: Credit reporting

hi i had a chapter XXXX bankrupsy back in 2006 due to a divorce. i have been rebuilding my credit ever since. it has been almost XXXX years, when will this bankrupsy come of fof my credit report? i thought it was after XXXX years.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have fraudulent hard inquiries on my XXXX report that need to be removed immediately. They are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SYNCB/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 XXXX years. 

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

I want to dispute an error on my credit report. The Experian the agency XXXX XXXX XXXX, put me in collection that reflects on my transunion credit report, stating that I owe them {$110000.00}. I contacted them but they dont want to give me info whether this amount is from an credit card or a loan. They insist that I have to pay them. I let them know I have proof that I was a victim of identity theft .But they refused to accept any proof, they keep insisting that I have to pay them. 
Im requesting to get the collection removed from my account.

Im attaching, a copy of the police report of identity theft, residential, I live at the same address 2013 agreement, account services /XXXX  a proof of residency.
Product: Credit reporting or other personal consumer reports

Greetings : I'm temporarily in XXXX XXXX and have been for the last 2 years. Since finding out about the National Public Data breach I've been trying to figure out how to freeze my accounts at XXXX, XXXX and TransUnion. In the case of XXXX, I'm unable to sign in or create an account due to 'error XXXX ' while both XXXX and TransUnion are requiring U.S. details. The last straw was when I tried calling XXXX and couldn't speak to an agent because the automated system wouldn't allow it. Unfortunately, they didn't have expat issues listed and when I went thru the freeze protocol was unable to provide a current U.S. zip code. I find myself vulnerable to fraud and no apparent way to freeze my accounts. The whole point of my attempt to reach them was to find out what I could provide that they would accept from me as authentication of my identity. I would like to complain about all three of these credit bureaus for not providing a way for international access - and please don't let them get away with saying they do. I live in XXXX XXXX, XXXX. not XXXX, XXXX ( TransUnion, I believe ) which might have gotten me in the door of at least one of them.

I would also like to complain about the process in general. We're assigned SSNs but who owns them? I don't think I should have to go to each credit bureau individually to change the status of my SSN. I think I should be able to go into my SSA account and set it there then SSA should send my status change or the entities should request it. It would be faster, safer, more reliable and more likely to be taken advantage of by more holder of SSNs. Furthermore, if there are XXXX XXXX SSN holders then that would be the limit of attempts to change a status instead of XXXX XXXX not even including myE-Verify for more and more of us. 

Finally, if all databases were required to be encrypted to a minimum standard, and if each SSN was required to be uniquely encrypted then the hacker would have to decrypt up to XXXX XXXX SSNs that have been issued so far one at a time. So in these last two cases, I guess my complaint is about credit bureaus but the responsible entity is Congress. Dreaming, right?

BTW, I'm not angry... frustrated and mildly irked, maybe. XXXX about getting ahead of a serious problem down the line, definitely. I spent XXXX years in IT and mastered my craft. I understand the problem but I also understand the solution. 

I am very grateful for anything you can do in helping me get my freezes and also, for information about how I can unfreeze them when I get back to the States given that I will have been gone for several years. 

Best regards, XXXX
Product: Checking or savings account

Chase had a nation wide glitch in its system affect transactions on Wednesday XX/XX/year>. Chase acknowledged the glitch when contacted and said the issues would be resolved. I made a {$1000.00} transaction on Wednesday through XXXX XXXX before I learned of the glitch that stopped the transaction from processing. When I contacted XXXXXXXX XXXX they confirmed Chase Bank did not authorize the funds due to the glitch and the funds were never received by XXXXXXXX XXXX. Now {$1000.00} has been pending for 4 days and when I contacted Chase they refuse the resolve the issue. I have spoken to claims who tells me the issue will be resolved in 24 hours then they restart the {$1000.00} as a new pending transaction the next day. They are now refusing to refund the {$1000.00} to my account and have it trapped as pending and Ive spoken to six different employees of Chase and they simply say there is nothing they can do. They have no timeline of when or even if the {$1000.00} will be returned to my account. They acknowledge its pending and therefore they wont refund or address it. When I asked to speak with a manager the employee XXXX of the Complaints department told if I kept asking for a manager she would hang up and then proceeded to due so. I can not pay bills and am getting behind on my bills due to chase holding my money hostage due to their glitch and they are refusing to return my money.
Product: Credit card or prepaid card

I got a Chase XXXX in XX/XX/2018 with the understanding that I would receive XXXX points if I spent {$3000.00} in the first 3 months. I spent that amount in about a month by early XX/XX/XXXX. They changed their policy on XX/XX/XXXX to two free night awards if you spend {$3000.00} in first 3 months ( this is worth less ). They did not honor the agreement to give me XXXX points, instead giving me the new offer, despite the fact that I'd spent {$3000.00} before the new policy came into place and I got the card based on the original offer, not something they changed it to halfway through my 3 months. I felt this was dishonest and I canceled my card after discovering what they'd done. They claimed that wasn't the offer when I got the card ( some basic XXXX research and my own memory say otherwise ).
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX 2 LATE PAYMENTS Account number : XXXX comments : Never been Late XXXX XXXX Original creditor : XXXX XXXX account number : XXXX balance : {$3800.00} comments : this is not mine
Product: Debt collection

I XXXX XXXX, Hereby state the truth concerning this matter involving the following Reivable Management Systems, XXXX XXXX, and XXXX  credit bureau .On XX/XX/16, I was an patient at XXXX XXXX medical facility of XXXX , New Jersey XXXX XXXX XXXX XXXX.I have healthcare insurance which paid the majority of the bill, I was asked too pay XXXX co pay on my way out, as well as purchase my perscriptions I was force to buy from XXXX XXXX after countlessly explaining I have a perscription plan within my healthcare plan that was more economical than what they were imposing on me.I have receipts for all the services rendered that day.I left knowing everything was taken care of, Until i checked my credit and noticed a collections from Receivable Management Services in the amount of XXXX.I contacted RMS to verify the debt in question acct. # XXXX, RMS responded with a letter with inaccurate information. I have no contract with RMS nor am I confident they are license to conduct business in New Jersey State.XXXX XXXX claimed i owed an additional XXXX after i paid everything they asked of me that day.My insurance paid and I paid CASE CLOSE. No now this is on my XXXX   credit report a mere XXXX dollars that i do not OWE.Not only is it on my credit ruining opportunities for a mortgage, car loan, etc.ITS XXXX NO its XXXX dollars.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern and frustration regarding the presence of fraudulent items on my credit report that have not been adequately addressed despite multiple attempts to rectify the situation. This ongoing issue has had severe consequences on my financial well-being and is causing undue stress and hardship. I have followed the proper procedures outlined by the Fair Credit Reporting Act ( FCRA ) in disputing these fraudulent items, and I have provided all necessary documentation to support my claims. However, despite my best efforts, these inaccuracies persist on my credit report, which has adversely affected my ability to secure loans, obtain favorable interest rates, and even pursue certain employment opportunities. I kindly request that you conduct a thorough investigation into this matter and promptly remove the fraudulent items from my credit report. Additionally, I urge you to take necessary steps to prevent the reoccurrence of such inaccuracies on my report in the future. I am willing to cooperate fully and provide any additional information required to resolve this issue promptly. I expect a written response from your agency within 30 days of receiving this letter, as required by the FCRA, confirming the removal of the fraudulent items from my credit report. Kindly assist me to remove the following fraudulent items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXXXXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$2100.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1700.00} 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 Date Opened : XX/XX/XXXX XXXX Balance Owed : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV 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, NV XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$27000.00} XXXX XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX  ) XXXX Balance : {$2100.00} XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX