23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint through CFPB to Bank of America on XX/XX/22. I received their response from CFPB on today, " that they are still working on this issue ''. As I appreciate the message of a response, I am complaining that this is not a legitimate response to a five year old error. And that the time they are given to send a response again is only time to further mislead the consumer, CFPB and credit reporting agencies, or time to show synthetic sympathy to workers of the bank who would have normally been otherwise disciplined for this false action. This proves the information should be removed. I was even asked at one point to come in to the branch and speak with them after I view and questioned the information, in which I declined, in my rights to choose another bank. A bank will not ask a fraudster to come in again. " Still working on this issue '' is not a response. CFPB asks for a response, not a response of the company saying " they will provide a response ''. This response is misleading to CFPB and proves comical or sarcastic motive, abuse of branch power. The misleading information in the attachment ( s ) is clear.
Product: Credit reporting or other personal consumer reports

This company is reporting inaccurate and incomplete data to the major credit bureaus for years XXXX thru XXXX reflecting the date of first delinquency. The account is reported as opened as of XX/XX/XXXX and is still reflecting on my credit profile past 7 years in violation of FCRA. 

The credit bureaus are in violation of the FCRA by reflecting inaccurate and/ or incomplete data on my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

A collection is appearing on my account XXXX XXXX XXXX XXXX  This is an account that has been closed and should have never been reported. I do have the case report as proof.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XX/XX/year> Re : Social Security Number XXXX To Whom It May Concern : I am writing to challenge the reporting and compliance of my credit report.

15 U.S. Code 1681c2 ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of. It has been 30 days and you are in VIOLATION of this law because i am a victim of identity theft!! Please delete all items mentioned in my FTC report off my credit report.

These accounts should not be furnished on my consumer report as they are in VIOLATION Under 15 U.S. Code 1681b a ) In generalSubject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : 2 ) In accordance with the written instructions of the consumer to whom it relates. 
I have NEVER given any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report, which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of all accounts listed IMMEDIATELY! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX Cc : Consumer Financial Protection Bureau XXXX : Attorney General 's Office Cc : XXXX XXXX XXXX
Product: Debt collection

I previously filed a complaint stating that I did not receive validation of the debt that this company claim I owe them. I never signed a contract with them and they have not given me proper validation. From the previous complaint they agreed to cease and desist collection activity but has now added this none validated deb to my credit report.
Product: Debt collection

I received an alert on my XXXX account of a collections that had been opened. The account was added by Ad Astra Recovery Serv For XXXX XXXX Located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ks XXXX ( XXXX ) XXXX. 

After looking further into the collections posted, I learned that the company was claiming I owed them {$2200.00} for a loan that I never took out. This started on XXXX XXXX. 
I have disputed this three times now. I even locked my credit report. To make matters worse, I get demanding and threatening emails/phone calls. I have received 8 emails saying my employer will be contacted and they hope Im fired, that all of my salary/wages will be confiscated, that I have a warrant for my arrest, they are coming to seize everything I own and that I will go to jail and be publicly humiliated. The emails are coming from supposed lawyers working with the collections company. They call at least six times a day from random numbers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent in several disputes between XX/XX/XXXX 2017 and XX/XX/XXXX 2017, requesting for Trans Union and XXXX to update my Public Record Tax Lien as " Paid '' or to have it removed. I recently applied for a Mortgage, and my credit report is showing that I have an unpaid Tax Lien. The Tax Lien was paid on XX/XX/2017, a portion of my federal refund was taken by the IRS and they paid the debt to the XXXX state, I have a letter from the IRS. I contacted the XXXX XXXX XXXX and they show me as paying the tax lien, they stated they do not report " Tax Liens '' to the credit bureaus, they stated these agencies looked up my public record and obtained the information from there. I have contacted the credit bureaus again, and I faxed them and mailed the documents showing that the Tax Lien was paid, but they still are reporting it on my credit report as " Filed '' and Trans Union is reporting an incorrect amount. I have attached documents for proof.
Product: Checking or savings account

My insurance company is trustable. They use Wells Fargo bank. I made a claim and was paid {$1000.00}. I deposited the check into my account. My bank came back telling me they are holding the rest of the money which I was giving {$220.00}. My bank said due to a confidential matter the check may be not paid. This is just plain harassment from Wells Fargo. They don't have a right to hold my money hostage that I pay my insurance company trustage. 

Wells Fargo is playing dirty here and is allowed to get away with it. To not pay the check that my insurance company uses them as their bank is a new real low. Because of the other problem I had. They are refusing to let me have my own insurance money.
Product: Credit reporting or other personal consumer reports

this is a creditcard or a charge i have no knowledge of It says charge off and i want it remove from XXXX, XXXX and experian I will inclose ftc report here with amount please dont close my complaint and tell me to open a new one with a different breau
Product: Checking or savings account

On or about XXXX XXXX XXXX 2019 I used my debit card for a purchase and was denied. After investigating I found there were several hundred dollars of charges made to my debit card through my XXXX  account, they are linked. I spoke with a CSR at XXXX and her supervisor and was told they would not reimburse me the money because it appeared that the charges came from my phone. I have NEVER purchased in game apps before but was told that this was why. I then called my bank, Regions Bank and filed a dispute. On XXXX  XX/XX/XXXX, I received a letter from Regions essentially saying the same thing XXXX did. They said that since it was through XXXX I should have filed a police report saying that my card was lost or stolen, even though I always had it with me. I have also never filed a dispute before. Now ( because of returned check charges I am almost XXXX XXXX dollars in the negative. I am a single grandmother raising XXXX small grandchildren alone. Next week when my paycheck is direct deposited it will all be gone as the bank said it is my responsibility to bring the account positive. When this happens my entire check will be gone and we will have no money for food or gas for my work. Yesterday I visited the branch and came out incoloble after being told again, that they could not do anything else for me. I do not understand how this can be ok or legal..
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 rights to privacy and confidentiality under 15 USC 1681 Acima digitalXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  UT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX Tx XXXX XXXX XXXX of XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX account XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX SD XXXX XXXX XXXX XXXX acct XXXX XXXX XXXX XXXX XXXX OR XXXX XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have did a Preapproval with Synchrony Bank/ Amazon XXXX store card. I was pre approved for XXXX on XXXX/XXXX/2022. I tried to complete the process and kept having issues. so I called. Finally get the approval done and they change the amount from XXXX to XXXX. I had them to close the account and the did on XXXX/XXXX/2022. I get an alert for another inquiry ( that I did not authorize ) for the XX/XX/2022 on the XXXX/XXXX/2022. Today, XX/XX/2022 I received an alert from my XXXX report on MyFico app and stated that I have a new account from Synchrony /Amazon . The date reported was XX/XX/2022 and date opened XXXX/XXXX/2022, which is not correct. I called them and they were not willing to help.
Product: Credit reporting

Dear CFPB, I first want to thank you for all that you do to protect the interests of consumers. It was past time that a government agency was needed for this purpose. That said, I will provide you with the details of my complaint : XXXX misrepresented the status of the account to me and assured me on many occasions that the balance was not owed. I closed my XXXX account on XXXX XXXX, 2014 and was assured that the account was paid in full. I have never been delinquent on an account. I was told that I needed to return the router and that a box would be sent by the company so I could mail the router. I received a bill for about {$150.00} a few months later and called to question why I had received it. Again, I was assured by XXXX representatives that I did not owe the amount and that I simply needed to return the router once I received the box to return it in. I received the box in XXXX and returned the router and again questioned the bills and XXXX told me the return of the router would fix the balance. The next letter I received was from a collection agency. I decided to pay the balance with the assurance from XXXX representatives that my credit would not be impacted, seeking to have the balance returned once I found out whether it was owed. I applied for student loan refinancing and was turned away due to this single outstanding delinquent account. Please remove this from my credit report and tell me ( 1 ) how long I have to wait before it is removed, ( 2 ) how I can remove it from other reports or request the same and ( 3 ) how I can hold XXXX accountable for what they have done to me. 

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

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXXXXXX account # XXXX, this account is a charge off account. 

This is a violation of 15 USC 1681 ( e ) ( b ) which states a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

I never received a 1009-C form for the cancellations of debt which is a violation of 15 USC 1681 ( e ) ( b ).
Product: Credit card

Avant/WEBBANK credit card company denied my credit card application due to identification. The reason for this is my face is considered " unrecognizable '' because my entire face is tattooed, HOWEVER MY FACE DOES MATCH MY GOV. ISSUED DRIVERS LICENSE. This is not fair because I can prove my identification. I submitted XXXX of the XXXX requested identification steps to be verified.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent ITEMS in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking of the erroneous information which is being posted to my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX  XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX  XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX Balance XXXX {$490.00} XXXX XXXX XXXX Balance : {$180.00} XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$900.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$570.00} XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$230.00} XXXX XXXX Balance : {$2100.00} XXXX  ( Original Creditor XXXX XXXX XXXX  ) XXXX Balance : {$190.00} ( Original Creditor XXXX XXXX XXXX Balance : {$120.00} XXXXXXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance : {$210.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

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., 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

In accordance with the Fair Credit Reporting Act 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 an account without my written instructions
Product: Credit reporting or other personal consumer reports

Hello my name is XXXX XXXX XXXX, i am writing this complaint because there were two recent hard inquiries reported to my credit profile that i DID NOT approve of or authorize. I believe my ssn were used for this attempt but i have no participation in them. I have called the two credit bureaus linked to the inquiries and they refuse to help me. They are not respecting my request to remove these inquiries. I did not consent to them. PLEASE help as my credit image is affecting by these. Transunion and XXXX are no help at the moment.
Product: Debt collection

The debtor has been sending legal forms and as a form of protection, I secured a lawyer. Payments were arranged but the debtor sent a motion to garnish my wages adding more charges.
Product: Credit reporting

On XXXX XXXX, 2015 morning, I received a phone call ( XXXX ) XXXX XXXX. He told me that he was an employee who works for government. He knew all my information such as my driver licence number, my address, how old I am, that made me believe that he is a government. He notified me that I was offered to get XXXX dollars due to I am on the way become XXXX and I had clean background, but I need to send him XXXX dollars for the service. On that day, he handed the phone call to another person ( XXXX XXXX ) and another phone number ( XXXX ) XXXX XXXX. XXXX told me I need to send her money by cash by XXXX within XXXX minutes. I sent her the money and also gave her my bank account number. After that she told me to wait for several times to get money. Until XXXX XXXX, 2015. I decided to close my bank account.
Product: Debt collection

My cell phone flew off of the top of my car while driving and shattered. I drove by the place on the road a number of times to try to find it but I never found it. I went to a XXXX store in XXXX, KY to get a " loaner phone '' and was told they don't do that anymore and that I'd have to pay the complete bill and purchase a new phone in order to get service. I inquired about spreading it out month to month and they said No. 

I got a XXXX in the interim while attempting to work this out, paying on my XXXX bill the whole time. 

When, later, I noticed that my cell phone number was being used and/or listed by a couple in XXXX, XXXX Their information is disclosed in the attached police correspondence. I also informed an executive at XXXX. 

I am not paying a remaining bill on someone else 's use of my cell phone number. For all I know, they found my shattered cell phone on the side of the road and claimed it and began listing it and using it as their own. You can XXXX their information and it is all there.
Product: Credit reporting or other personal consumer reports

I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within XXXX business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 


Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately. 
Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report. 

DELETE THIS ACCOUNTS IN MY CREDIT REPORT IMMEDIATELY!
Product: Credit reporting, credit repair services, or other personal consumer reports

Please reverse the late payments reported for this particular account:XXXX XXXX XXXX  The account was never past due, i never made a late payment to this company ever please change this , i have a good relationship with this company.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXX # XXXX XXXX XXXX, XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX : {$8900.00}.
Product: Credit reporting or other personal consumer reports

I recently pulled my reports and noticed a company by the name XXXX reporting incorrect information on my credit profile. The alleged debt was sold to a company by the name of XXXX XXXX XXXX XXXX. The debt has two different open dates, transunion is reporting That I opened this account XXXX while XXXX is reporting that I opened this account XXXX Because the open dates being reported by transunion and XXXX are different, this means the account has not been properly verified. Please delete this account immediately.
Product: Student loan

I made a payment of {$500.00} the end of XX/XX/2023 to MOHELA, in XXXX my loan was placed on administrative forebearance meaning that payment was not necessary. I requested a refund almost 2 months ago and have not yet been refunded. 

My PSLF payment tracker has also not been updated in 3 months and does not show correct PSLF payments. 

I have emailed MOHELA several times about both issues and their automated response says " 2 days for a response ''. It has now been several months with no response from MOHELA, no refund, and no updated XXXX count. 

I would like my refund to be processed as well as an updated and correct PSLF count. 

Thank you, XXXX XXXX
Product: Credit card or prepaid card

Before 10 days ago I accidentaly opened a credit card called Milestone. 
I immediately after opening that credit card, called them and told them to close that account because I created it by accident. They told me that they closed the account but actually they didnt. 
I called them again after 3-4 days and they said the same thing and now that credit account is still open! Also they want me to pay XXXX $ that I never used that credit card!
Product: Debt collection

Portfolio Recovery Associates LLC., Had received a default judgment for {$1500.00} on an old XXXX credit card that was sold to XXXX XXXX XXXX. XXXX XXXX XXXX reported the debt as in good standings with a {$0.00} dollar balance on my reports. Portfolio Recovery Associates refuses to acknowledge or validate that this debt was paid. They have a detrimental default judgment listed on my reports as well as a balanced owed listing.
Product: Debt collection

I currently have a medical collection debt being reported on my credit report from XXXX  XXXX XXXX XXXX dated from XX/XX/2019. Ive tried unsuccessfully to resolve this matter through XXXX  XXXX but to avail. I havent been to XXXX  XXXX at all for any type of medical treatment. Now Im being penalized for someone representing themselves as XXXX XXXX, receiving medical care. I was told the services provided were a XXXX test. I XXXX XXXX had a total XXXX  5 yrs ago I wouldnt need a XXXX test administered for any reason. Nor, would I have a reason to visit XXXX  XXXX. They cant even provide me with identification that was used representing themselves as me ( XXXX XXXX )