23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On XX/XX/XXXX, someone fraudulently transferred {$2100.00} through XXXX from my Bank of America checking account. I prepare taxes for a living ( so I was very busy on XX/XX/XXXX ), therefore I didn't discover the fraudulent transfer until XXXX XXXX on XX/XX/XXXX. I immediately called Bank of America about the fraudulent transfer. They put a " freeze '' on my checking account, gave me a claim number, gave me a new online ID and temporary password, told me that it would be 10 business days until they would/could give me a temporary credit. My husband and I went to a local Bank of America branch on XX/XX/XXXX to open a new checking account. The local Bank of America employee had me look in my phone at my email account, and we discovered in my trash email folder, an email ( that I had NOT AUTHORIZED ) confirming that " I sent {$2100.00} to XXXX, XXXX ''. He said that they most likely hacked into my XXXX email account through my cell phone. I changed all of my passwords, filed a police report and FBI report, put a freeze on my credit with all three credit bureaus per their advice. So on XX/XX/XXXX, I called Bank of America 's digital fraud department because that was the 10th business day, and they said that the claim was denied per the " investigator '' because the device that was used to authorize the fraudulent transfer, had been used to access my online banking back in XXXX and was also being used to access the BofA mobile app since the freeze took place. That is because it is MY cell phone that was hacked into! They reopened the case with the " new '' information and said that it would be resolved no later than XX/XX/XXXX. We have been customers with Bank of America for over 24 years with NO issues in the past ... ..I also never use XXXX transfers to send any money to anyone! My husband and I NEED this {$2100.00} back to cover our XXXX federal tax payment and additional bills! This has been RIDICULOUS!!! We were stolen from and now BofA is accusing us of being negligent and authorizing the fraudulent transfer! XXXX!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent an identity theft report, via certified mail, that was received. This mail included a copy of my driver 's license, social security card, and a utility bill to XXXX XXXX XXXX, Equifax Information Services , LLC, and XXXX XXXX XXXX XXXX because I am a victim of aggravated identity theft. According to 15 USC 1681c-2 ( a ) a consumer reporting agency must block the reporting of any information in the file of a consumer that identifies as information that resulted from an alleged identity theft, not later than four business days after the date of receipt by such agency. 
They, the credit bureaus, failed to block and remove all the accounts on the FTC Identity Theft Report. XXXX, Equifax, and XXXX are also in violation of 18 USC 1028A for aggravated Identity Theft for furnishing these alleged public recordsXXXX XXXX Bankruptcy and accounts. 
My credit report is still reporting two XXXX XXXX. accounts, and a US bankruptcy account. Please see attached FTC Identity Theft Report. 
On XX/XX/2022, I sent XXXX, Equifax, and XXXX a follow up letter to request they remove the above accounts and they did not. This has caused me tremendous anxiety, stress, and financial hardship.
Product: Credit card

I was working to pay off a Chase credit card. When I finally got the balanced payed down to XXXX, I received another bill for additional money that I apparently owed as well. I called up the Chase customer service line, paid that additional money off and was assured that was the last bill I would have to pay them and that my account was officially at XXXX balance and closed. XXXX months later, I received another bill for more interest that I apparently build up from a zero balance that I then owed again. I do not understand how I can be told I owe nothing more to a bank, only to get another bill from them with more money owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2021 I paid my final payment to XXXX credit. They emailed me a letter congratulating me on paying off my loan XX/XX/2021. On XXXX XXXX I noticed in my experian credit report it is still being reported as open and the balance had yet to be reported since XXXX of 2021. I contacted XXXX and I was informed that they updated the account was closed on XXXX of 2021. I also called experian and was told to dispute it with my payoff letter. After disputing the results I received a notice that the information was accurate and will remain the same.
Product: Credit card

I got a notification on XXXX XXXX that someone opened a credit card. I checked and it was mountain America credit union, which I have never had an account with them in the past. 

I see that they opened the account on XX/XX/2023 with a credit limit of {$7000.00} and they spent {$7000.00} I disputed it to the credit bureaus and I let the bank know that it wasn't me. The bank made me send my Social and ID over to their fraud department for investigation. 

I also filed a local police report online.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my tenth 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, OH XXXX XX/XX/XXXX ; XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXXXXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/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. 1. XXXX : ACCT # XXXX has violated my rights. I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever procedures to assure maximum possible accuracy of the information concerning the Individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that problem or information, as appropriate. Based on the results of the reinvestigation, and ( iii ) promptly notify the furnisher of that information that the information has been modified and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reason to believe that this information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX # XXXX has violated my rights. 

15 U.S.C. 1681 Section 602 A : States that I have the right to privacy.

15 U.S.C. 1681 section 604 A : It also states that a consumer reporting agency can not furnish a account without my written Instruction.
Product: Credit reporting or other personal consumer reports

Citizens Bank - hard  inquiry XXXX XXXX XXXX  hard inquiry 

On XXXX credit report. I need them removed please.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I recently received a copy of my ( XXXX, Equifax or XXXX ) consumer report, and I noticed that it is reporting my experience with your company. 

The line of credit I have with your company, which is characterized as utilization on my consumer reports. 
YOUR COMPANY IS ILLEGALLY REPORTING THIS EXPERIENCE ( utilization ) on my consumer reports! 

List Name of the accounts with high Utilizations along with their account numbers. 
XXXX XXXX Your company is in clear violation of the law. Pursuant 15 USC 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES : Transactions or Experiences between the consumer ( ME ) and the person ( YOU ) ( XXXX XXXX ) Making the report is NOT INCLUDED on my Consumer report! 
Utilization is an experience with the line of credit that was extended between the consumer ( ME ) and the person ( YOU ) [ XXXX XXXX ] that is making the report. CONGRESS clearly states that the experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports! 
YOU HAVE VIOLATED THE FCRA 15USC 1681a 2Ai by reporting this transaction or experience ( Utilization ) on my consumer reports which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS. 
You have 10 calendar days to update my utilization to 5 % or below and or delete all Utilization from the below account/s XXXX XXXX  Failure to respond satisfactorily with deletion of the above Utilization, will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character 2. Negligent Non-Compliance 3. Civil Liability 4. Mental Anguish 5. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Best regards, Your Name XXXX XXXX
Product: Payday loan, title loan, or personal loan

I had a loan by line of credit loan from 5th third bank on XXXX XXXX  XXXX XXXX XXXX XXXX XXXX MI XXXX against my condominium. I paid loan in XX/XX/2021. But I did not get statement of interest paid from Bank yet ..my address changed and letter if mailed was not forwarded to new address.

I called company the above Bank XXXX XXXX XXXX two times last 15days, Bank promised to send but did not do at my new address ..... 
please help thanks XXXX  XXXX.
Product: Credit reporting or other personal consumer reports

Hello, I have been disputing these collections. Based on the FACTA ACT these accounts should be investigated properly. These accounts are still affecting my score and are not accurate, not my account and not validated. 

I would like these accounts investigated and removed immediately based on law 15 U.S.C 1681 i 7 and to know what steps were taken. 

Accounts : XXXX XXXX XXXX - {$11000.00} XXXX : {$450.00} XXXX XXXXXXXX : {$580.00} XXXX  Automated Collections : {$1300.00} XXXX XXXX XXXX  : {$870.00}
Product: Mortgage

I paid my mortgage online at XXXX with Caliber Home Loans on XXXX/XXXX/2014 for XXXX payment. They did n't apply payment til XXXX XXXX which was at 31 day period. They have me as a 30 day late on the credit bureau. I submitted my payment well enough time for them to issue credit. This is not my fault my payment was submitted on a thursday they do not need that many days to apply payment. It was done online in there system. I have begged them to correct this 30 day late on my credit report they have now said that if they change it, they would be in violation of the laws made up by the credit reporting fair act. I 'm so mad.. its dropped my score so low, and I was n't late. Im attaching the proof of when I did my payment. I did n't read the date on there they were crediting the payment, I did n't feel I was in any jeopardy. I see it now but again I do n't feel they are right. I want this late removed from my report please help me.
Product: Credit reporting or other personal consumer reports

In retaliation to my previous complaint, complaint # XXXX Equifax locked my credit file and is denying me nor my credit monitoring service access to my credit file. The representative told me on a recorded call this evening at approximately XXXX that they have locked my file because of my complaint and they will not unlock it and I can do nothing about it. They said I have to mail in my social security card and my drivers license even though it was provided with the complaint number listed above. This is illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX  XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX  # XXXX, has violated my rights. 
XXXX XXXX XXXX  # XXXX, has violated my rights. 
XXXX XXXXXXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXXXXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX  # XXXX, has violated my rights. 
XXXX XXXX  # XXXX, has violated my rights. 
XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX # XXXX, has violated my rights. 
The XXXX XXXX XXXX XXXXXXXX # 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.

Privacy Act of 1974 - No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains...
Product: Debt collection

I received a call regarding an old lease that I was unable to keep up with the payments due to health issues and my car taking sufficient damage I tried everything I could to catch up with the payments to property and even went as far trying to work out a larger payment plan along with the rent but they just kicked me out. 
Going in a year down the line I received a call from IQ international debt collections who reached out to me regarding the costs to property and the sum they were requiring me to pay and the conversation didnt start off too bad leading into the conversation it did get a little intense some curse words were being said I apologized multiple times on my end because that agent did not deserve to listen to my complaints she was just doing her job but past that I hung up because I wasnt in listening frame of mind I just needed answers that she was not willing to provide, so I call the next day again apologizing for my actions/verbiage on the last call and this agent ( male ) was very aggressive and kind of threatening he refused to help me was very rude the entire time demanding information even made the threat to withdraw funds from my check and went as far as to say they would take me to court so after a brief exchange of words back and forth the call was ended by the agent, and me thinking it got disconnected I called back at the extension he gave and that call did not go well at all he started screaming when he answered would not reason with me kept demanding I give him information I did not need to provide and continued to threaten legal action towards me and when I kept asking questions for more clarity just trying to show that I willing to be compliant he hung up on me again.
Product: Credit reporting or other personal consumer reports

I have identified unauthorized inquiries on my credit report that were made without my consent. I contacted the responsible creditors, who confirmed they have no evidence that I initiated these inquiries nor any written or verbal authorization for them. Since these inquiries lack valid grounds, I am requesting their immediate removal. 
I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is [ FTC Complaint Number XXXX, filed on FTC Complaint Date XX/XX/XXXX. 
" I am attaching the report of the formal complaint filed with the Federal Trade Commission ( FTC ) as additional support for this claim. This report reinforces my request for the removal of unauthorized inquiries from my credit report, as it details the lack of authorization for these inquiries and the inadequate response from the credit bureau involved. '' Details of Disputed Inquiries : 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 XXXX XXXX XXXX  Legal Grounds ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : According to Section 604, unauthorized inquiries do not meet the permissible purpose requirements.

Handling Unverifiable Information : Under Section 611, inquiries that can not be verified must be deleted.

Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract.

Information Provider Responsibility : Section 623 requires reported data to be accurate and authorized.

Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries that may be related to identity theft. 
Additional Legal Support : The cases XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX reinforce that inquiries must comply with the FCRA 's permissible purposes.

Formal Request : I am formally requesting a thorough and manual investigation of the disputed inquiries and their removal if there is no verifiable documentation. I reserve the right to take legal action and file an additional complaint with the CFPB and my state 's Attorney General. 

XXXX XXXX XXXX XXXX
Product: Debt collection

Due to several infractions on the behalf of XXXX XXXX customer service and service quality, I spoke with the representative in order to vacate my account with XXXX without paying the remaining balances on my phone and final bill total. I had an extensive list of dissatisfactory issues with XXXX due to their company poorly communicating from one department to the next, and the representative ( with reference numberXXXX ) acknowledged it was abnormal to continue to have to deal with as many inconveniences as a paying customer. The fact that I am having to file this complaint is a direct illustration to how poorly the communication is from one department to the next leading me to no longer want to be a XXXX customer. The representative you can hear in the recording agreed to eliminate my entire balance on my account of all my devices after I mailed in the XXXX XXXX. They sent me the return package and I mailed the watch almost immediately. Every time I call XXXX to gain information on the reference number that was affiliated with the closing of the account, I am constantly directed to only speak to a collections department, which they never attempt to assist me other than collecting a payment or my information.
Product: Checking or savings account

In XXXX I was in XXXX XXXX  XXXX and auto accident which put me hospitalized in medical induced coma and my family contacted my accounts as all my info on XXXX, XXXX, document were lost stolen with my purse and used to gain the their money from my accounts as my pin emails all with online banking were available to this person and the deposit my mom made prior was stolen day and hours and the bank fid not stop cards use or see how my card was used as being suspicious and now wells Fargo took my debit card use I cant get credits if the merchants give me credit and see fraud and they won't research making me feel as I'm the perpetrator their and not help me when my proof was I was in hospital and not able to do these charges
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX my vehicle was involved in a hit in run the vehicle was a XXXX XXXX XXXX XXXX XXXX the car was totaled my insurance company paid the total loss of the vehicle XXXX XXXX who paid the amount to the lender Ally financial I contacted Gap insurance I believe the claim was taken care of. One year later, I was informed by Equifax that a new account was on my credit report. Ally financial placed a balance of XXXX on my credit not only did XXXX XXXX not inform me of this balance existed. I was never informed nor was I given a chance to provide proof to the insurance company of the payoff not only did this drop my score my 60 points I spent over a year disputing this account if the insurance company did not pay the balance I should have been able to make a payment plan however this amount needs to be written off the gap insurance contacted Ally if they did not respond within the time frame I should not be held accountable. I sent numerous documents to Equifax that showed. I did not owe this balance. I believe this account was resolved it shows up on my credit report as account closed yet this is not correct. I recently found out after having my credit report ran several different times that this account is showing up as a negative remark and this has caused me not to be able to get financed for a vehicle. I spent countless time building my credit and XXXX XXXX has caused me great hardships and embarrassment. I work on on building up my credit there is not a lending company that will finance me unless the payment is extremely high. I spent a year trying to remove this mark off my credit report XXXX XXXX has bullied me and ruined by credit I've been trying to get my credit back since this incorrect has been placed on it.
Product: Credit reporting, credit repair services, or other personal consumer reports

this date. On the other hand, inaccuracies about my inquiries are continuously reported on my Credit Report. Therefore, TransUnion failed to comply with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information. Here is the concerned Inquiry that is still reporting on my reports : XXXX XXXX Date : XX/XX/2020 XXXX Inquiry Date : XX/XX/2020 XXXX Inquiry Date : XX/XX/2020 XXXX XXXX Inquiry Date : XX/XX/2020 XXXX XXXX Inquiry Date : XX/XX/2020 XXXX XXXX Inquiry Date : XX/XX/2020 XXXX Inquiry Date : XX/XX/2020 XXXX Inquiry Date : XX/XX/2020 2020