23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

On XX/XX/XXXX BANK OF AMERICA CHARGED ME XXXX from XXXX. I wasnt aware this account was mine or even open because I had a Business account effective XX/XX/XXXX. XXXX provided the bank with information that it was a recurring charge therefore Bank of America allowed the charge to go through despite the fact the credit card had been closed do to fraud charges on the account. I didnt notice the charge in XXXX or in XXXX quite frankly because my son died on XX/XX/XXXX and I failed to review charges and just paid credit card. always in full and on time. When I first noticed the charge I called XXXX and was told they did not have that charge on my account and to contact the bank. because they were looking at my business account. The only account I was aware of and they were aware of. So, BOA reversed the credit. I called and attempted to explain the whole situation, however they were not goin to budge unless I could show proof of cancellation. Today I was finally able to get into this account and it was under an alias email account that I never had access to and did not know it existed. The account showed the emails were never opened and there was no computer of mine that was using the account. Once again I called XXXX and they closed the account. They told me to contact the bank to pursue a credit because 30 days had passed. I tried to explain everything to BOA and once again they would not listen to my explanation. I have emails from XXXX proving everything I am saying is truthful. I did not ask for a credit on the prior 2 years I was charged for the account that I was unaware I was being charged for. I take responsibility for not verifying the charges on my bill regardless of life circumstances. Thank you.
Product: Student loan

I graduated college XX/XX/XXXX. I had my daughter XX/XX/XXXX, after I had her, I started calling XXXX XXXX XXXX to see what I can sign or what information can be sent to me so I can fill out and return. I have been laid off and my balance just stays going up. Even reached out to a company to help. XXXX XXXX XXXX told me they can help me get my loans wiped out after I made a few monthly deposits. So I did and after some time went by, I went back looking for those emails and I emailed them. Everything wasnt being sent. Last year or so I found out that company was a scam and had to reimburse ( the FTC ) sent me a letter letting me know I was in involved. I spent hundreds of dollars in total and only received I think it was {$23.00}. 
My loans are now controlled by Mohela. I have reached out to them in XXXX thinking it would be different because for years I was reaching out to XXXX trying to get into my account to get these applications submitted. Every single time I called was an old lady who got an attitude with me. All I kept asking was can she help me log in. I use my social security number and my name and cant find me. Even type in the account number from old letters and nothing goes through. I told her that and she brushed me off so I contacted Mohela, they told me to contact XXXX XXXX XXXX and I told them the issue. They couldnt do nothing for me. I even gave everyone my XXXX account information.
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 has violated my rights. 15 USC 1681 Section 602 states that I have the right to privacy 15USC 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
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 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 XXXXXXXX has violated my rights. 

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

15 U.S.C. 1681 section604 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 then records of convictions of crimes witch antedates the report by more then 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 reason cause to believe the information is inaccurate.
Product: Debt collection

Fraudulent debt not mine there reporting this fraudulent debt to XXXX
Product: Credit reporting or other personal consumer reports

I. Introduction : I hereby submit a formal complaint against TransUnion for XXXX discrimination, retaliation, bank fraud, wire fraud, and violations of the RICO Act, infringing upon my rights under the Equal Credit Opportunity Act ( ECOA ), the Fair Credit Reporting Act ( FCRA ), and other pertinent federal laws. III. Active Complaints with FBI, FTC, and CFPB : This grievance is not isolated. The FBI, FTC, and CFPB have active complaints regarding similar issues with TransUnion, highlighting a pattern of potentially illegal practices by the company. IV. Allegations of Bank Fraud, Wire Fraud, and RICO Violations : Bank Fraud : I have reasons to believe that TransUnion has knowingly engaged in deceptive practices to defraud banks or other financial institutions, which is a violation of 18 U.S.C. 1344. Wire Fraud : TransUnion is suspected of using interstate wire communications to defraud consumers, violating 18 U.S.C. 1343. Their actions have not only harmed my financial standing but have also illegally profited by using deceptive practices. RICO Violations : TransUnions actions suggest a pattern of racketeering activity. By accepting financial incentives for reporting, they may be in violation of the Racketeer Influenced and Corrupt Organizations ( RICO ) Act, specifically 18 U.S.C. 1961-1968. V. XXXX Discrimination : TransUnion has not only failed to unlock my credit report despite numerous requests but also appears to be discriminating against me based on my race, violating the ECOA. VI. Retaliation : Their refusal to address previous complaints and unlock my credit report seems retaliatory for filing federal complaints, violating principles of fairness and justice. VII. Discrepancies with Other Credit Bureaus : Other credit bureaus, namely XXXX and XXXX, have adhered to federal laws by deleting inaccurate information from my credit reports. TransUnions refusal to do the same raises serious concerns about their practices. VIII. Legal Action : If these issues remain unaddressed, I intend to escalate this matter legally, seeking remedies for the harm inflicted upon me due to racial discrimination, bank fraud, wire fraud, and RICO violations. IX. Conclusion : I urge the CFPB and DOJ to investigate these serious allegations against TransUnion. Their practices have caused significant harm and warrant thorough examination and intervention by your esteemed agencies. I anticipate your prompt attention to this grave matter becasue its been a year
Product: Debt collection

I was contacted 19 times from the time period of XXXX XXXX. The repeated voicemails were in regard to my sister and an account she may have. I stated that I do not have contact with her and have not for 7 years. I asked for my information to be removed as it is none of my concern. I have mailed two formal letters and asked repeatedly for the harassment to stop. My phone number is listed and used as a business line.
Product: Credit card or prepaid card

NetSpend has flagged me as a fraud I have submitted every document they've asked for for proof of identity evidently there's somebody else trying to be me I don't know they won't say they treat me and shift me around and treat me like I am a fool they are very unprofessional this has been going on for 9 months you would not believe the stack of canceled cards that I have from them they cancel my cards and report them stolen on their own and I didn't even report it I have them I'm going to be homeless in 2 weeks these people are ridiculous and I need help and XXXX and I want rid of all three of these people and my funds transferred somewhere else
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. 

OFFICE OF THE ATTY GEN LATE PAYMENT {$380.00}, i have no late payments -- -- -- -has violated my rights. 

XXXX XXXX XXXX LATE PAYMENT -- -- - has violated my rights. 
XXXX XXXX XXXX XXXX POTENTIALLY NEGATIVE XX/XX/2022 -- -- - has violated my rights. 


XXXXXXXX XXXX XXXX LATE PAYMENT XX/XX/2022 -- -- - has violated my rights. 

XXXX XXXX XX/XX/2022 -- -- - has violated my rights. 

Inquiries XXXX XXXX numerous times this company ran my credit i did not give them permission to do so -- -- - has violated my rights. 

XXXX XXXX XXXX XXXX XXXX- -numerous times this company ran my credit i did not give them permission to do so -- -- - has violated my rights. 

ive never lived here XXXX XXXX XXXX  XXXXXXXX XXXX XXXXXXXX -- -- 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.

( i did not give you 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: Bank account or service

I was XXXX hours a way from home and I tried to use my debit card to buy gas and I was told the card was declined. I call Bank of America and they said that my card has been canceled. I try to tell them that I am far from home and I had no money for gas and all I need is access to my money and they said there is nothing they could do. Do they have the right to hold my money and black me from accessing my own account.
Product: Credit reporting or other personal consumer reports

I had an auto loan with XXXX XXXX XXXX. At some point my account was taken over by XXXX. I missed a payment in XXXX of XXXX due to being bed ridden with a high risk XXXX & unable to work. I was in communication with XXXX & I was under the impression that I was granted a forbearance. I've talked to truist to no avail for XXXX. In XXXX of XXXX I had finally gotten ahold of a supervisor in the collections department that was able to help me after many others had claimed there was nothing that could be done. I squared everything away & after not being able to explain why there were XXXX late payments, she had agreed to remove them from being reported to the CRAs. I was told to check back in XXXX to be sure. I did, & I was reassured They were removed. Now XXXX of XXXX & they're still reporting. I spoke with all 3 CRAs after disputing & uploading proof of payments for those XXXX. XXXX notified me that they validated the debt, I sent in a request of validation & their method of validation but did not receive anything other than updated comments saying they were verified by the creditor. I spoke with XXXX again, & they're now stating there's nothing they can do about what the previous supervisor told me. Even though experians report for that account shows what day the payments were made & for how much. Which coincide my payment records for the months being reported late. The only payment that was late was XXXX & their not even reporting it as late for that month. The report in its entirety is inaccurate. Everytime I call any of the XXXX companies im stonewalled & told different things by each representative but ultimately get no resolution. My payment is {$370.00} per month, I've always paid XXXX. If I were actually behind XXXX they would have certainly come & gotten the vehicle. XXXX & the 3 CRAs reporting inaccurate information is unfair & hindering my credit worthiness to buy a home. I would like the steps needed to file suit against all XXXX companies as well as these false late payments to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of several attempts I've made to inform credit bureaus that I've been the victim of identity theft and that I want to check certain entries in my files that the fraud has left behind. The documents I'm looking at have nothing to do with any purchases of products or services or financial transactions that I've made or approved. Please erase from my credit report any information that was allegedly obtained by fraud or extortion, assuming no one is looking. 
XXXX XXXX XXXX XXXX  XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$160.00} ; XXXX XXXX XXXX Balance : {$720.00} ; DEPTEDXXXX XXXX Balance : $ XXXXDate Opened : XX/XX/XXXX ; DEPTEDXXXX XXXX Balance : {$0.00} DateOpened : XX/XX/XXXX ; DEPTEDXXXX XXXX Balance : {$0.00} Date Opened:XX/XX/XXXX ; DEPTEDXXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX ; DEPTEDXXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my sixth 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have spoken with Experian about a existing issue several times. Today I hand the chance to speak with XXXX in Dispute Department he is apart of XXXX XXXX.With XXXX XXXX and XXXX XXXX  XXXX. They refuse to remove these accounts form my credit report. I am requesting them removed because they were transfer without my knowledge and reporting twice. These accounts no longer belong to me. I am asking for them to be removed. 

XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NE 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. 

Account Name : XXXX XXXX : Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX : Account XXXX Account Name : XXXX : Account XXXX Account Name : XXXX XXXX : Account XXXX Account Name : XXXX : Account XXXX Account Name : XXXX : Account XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

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 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 card or prepaid card

In XXXX, 2021 i called Bank of America to report a change of address for card XXXX XXXX XXXX XXXX. I unfortunately told them my husband had died. They said someone would call. No calls. When I tried to use the card I found it had been canceled. My XXXX membership was canceled also.. I tried to call number XXXX. I was on hold for 40 minutes. I did finally talk to a representative who gave me the XXXX XXXX number. I never was able to get through. On XX/XX/2021 I was on hold for 20 minutes with no answer. I believe i was on hold trying to find help over an hour. My credit score has been affected I am sure.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not provide the credit reporting agencies with written permission to report any of these accounts I am requesting to be removed. This is a violation of 15 U.S Code 1681b ( a ) ( 2 ).

I did not provide any of the listed companies with consent to share my credit card ( ID, SSN, etc ) with another entity ( I.e the credit reporting agencies. This is a violation of 15 U.S Code 1681s-2 15 U.S Code 1602 ( I ) says any card, plate, coupon book, or other credit device existing for the purpose of obtaining money, property, labor, or services on credit is by definition a credit card
Product: Debt collection

I keep receiving phone calls from a third party company telling me to contact XXXX XXXX XXXX. when I called XXXX XXXX XXXX today they claim I owe a debt from 2001 to XXXX XXXX. I do not have any memory of any such debt from 2001 I have paid my debts. The last time I called asked them to mail any information to me, all I have received are more phone calls? nothing in writing.
Product: Vehicle loan or lease

On XX/XX/2018, My wife & I been in XXXX XXXX XXXX test driving XXXX. First we were thinking about buying the car, and a Trade-in option came to the discussion for just five minutes, then we took it off the table when the dealer offered us a very low price for the trade-in. for the next couple of hours, we were discussing buying and leasing options and prices until we agreed on a specific lease monthly payment of $ XXXX/month for 39months ( after taxes ) with {$0.00} down. 
During signing the contract, the financial manager kept repeating there's no trade-in, this will make everything faster. but when we went home we noticed that they mentioning a trade-in at the amount they offered, but they wrote N/A in the make, model, year, VINsections. 
Two days later, the dealer called and asked me to go back under false pretense as he said that they found better bank approval and we will need to change the contract, but when I went there, he told me that there was a mistake in the contract and the whole calculation, and he admitted it's their mistake because they forgot to remove the trade-in from the computer when they were quoting us, and all the calculation were based on that trade-in. And now they are trying to blackmail us by threatening to take back the car if we dont agree to re-write and re-sign the contract with {$100.00} increased monthly payment. 

Original sticker price : {$41000.00} They add things like interior and exterior protection for {$4000.00}, claiming that they cant remove it from the deal, but we were able to negotiated off the amount. 
Final amount after negotiation was : {$39000.00} ( including {$1100.00} for the extras they force on the deal )
Product: Mortgage

On XX/XX/2024, I requested copies of appraisal and all supporting documentation to include XXXX XXXX XXXX XXXX XXXX XXXX AND XXXX XXXX and as of XX/XX/XXXX, there has been no compliance with this request and no response to multiple emails and voicemails left for the mortgage processor. XXXX XXXX at Acra lending. The time limit to obtain this information is Wednesday, XX/XX/XXXX at XXXX  or I lose my XXXX money of {$12000.00}.
Product: Checking or savings account

I went into the Wells Fargo branch inside the XXXX Market on XXXX XXXX in XXXX XXXX XXXX, CA today to make a {$200.00} deposit the XXXX manager refused to accept the deposits saying it could be " XXXX or XXXX '' laundering monies? As i laughed that i would put a {$200.00} dollars in an account i opened 7 years ago where i have made deposits in excess of hundreds of thousands of dollars would suddenly deposit {$200.00} bucks as XXXX  or XXXX  money. 

This sort of discrimination and violating my rights is outrageous
Product: Payday loan, title loan, personal loan, or advance loan

On Wednesday, XX/XX/XXXX I was invited to a XXXX  call to learn more about an e-commerce course. I have the persons name who it was and he wanted me to give them the last four of my social to see the prices. I did not give them my bank account so I didn't think I would have to pay anything so I was impaired on what was going to happen. They then opened an Affirm account with a loan of {$1800.00}. I contacted Affirm and they said I would have to contact the merchant. So I contacted the merchant called XXXX and they said they don't do the loans and to contact Velocity which is the e-commerce course the zoom call was about. I contacted them and they never emailed me back. Today on XX/XX/XXXX Affirm sent me a email saying XXXX confirmed my loan. I am trying to do everything I can to remove this loan from my Affirm account and prevent anyone from opening a line of credit in my name. I have also filed a police report and taken every action that they wanted me to take. I have all receipts of emailed and police reports filed.
Product: Debt collection

I, XXXX XXXX entered a consumer credit transaction with Common Bond on XX/XX/2021. Common Bond has sent me a bill every month from XXXX to XXXX in the amount of {$310.00} in which I have paid. Pursuant to 18 USC 8 all bills are the obligation of the United States so the debt was paid for already ; Common Bond should not have collected money from me monthly in that time period. There are also multiple violations that Common Bond has committed and I have included those in the attached documents.
Product: Credit reporting or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, other accounts still need to be UPDATED. These accounts should be checked by the three credit bureaus in compliance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hopeful that the disputed accounts will be settled. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX  XXXX  has listed an open credit card on all my credit reports. I filed disputes with all credit monitoring agencies and XXXX XXXX says the information is accurate despite it actually being a fraud account. I never opened any XXXX  XXXX account in XX/XX/year>. XXXX  XXXX won't answer the phone or the wait times are excessive. None of the credit bureaus seem to want to help either.