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

TO WHOM THIS MAY CONCERN, I am a Victim of Identity Theft FROM YOUR DATA BREACH. My claim number is XXXX. 
There is information that on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. 

Inquiries that I did not do - 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 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 XXXXXXXX XX/XX/XXXX I did want to note that , I DID APPLY WITH XXXX XXXX XXXX, XX/XX/XXXX THIS YEAR. Not to mistake with the other dates that I did not apply with them. 

ADDRESSES THAT I HAVE NEVER LIVED- - XXXX XXXX XXXX, XXXX XXXX NC XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX - XXXX XXXX XXXX, XXXX XXXX GA XXXX ACCOUNTS THAT I DID NOT OPEN THAT ARE ON MY REPORT - XXXX XXXX XXXX XXXX XXXX XXXX {$170.00} - DEPT OF ED/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
PLEASE DELETE THESE INQUIRES AND ALSO THESE ACCOUNTS FROM MY CREDIT REPORT I DID NOT DO THEM NOR APPROVE ANY TO BE OPENED.
Product: Checking or savings account

In XX/XX/2019, I enrolled in a Goldman Sachs Online Savings Account promotion to receive {$100.00} after depositing {$10000.00} new money and maintain the fund for 90 days. 
On XX/XX/XXXX, I transferred {$10000.00} from an outside bank to my Goldman account, making my account balance at the time {$10000.00} ( see attached XX/XX/2019 statement ). 
In XX/XX/2019, as I did not receive the bonus, I called Goldman Sachs. I was told that since my balance fell to {$10000.00} on XX/XX/2019 when a {$25000.00} withdraw was made ( see attached XX/XX/2019 statement ), I was disqualified from the promotion. 
I feel that this practice was extremely dishonest and unfair for two reasons. 
1 ) I was disqualified essentially because I took away XXXX XXXX   from Goldman Sachs, while still maintaining the said {$10000.00} balance. 
2 ) At no point between XX/XX/2019 and when I contacted them, I was notified of the disqualification. 
I hope that Goldman can make up the bonus.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, reporting of the following accounts : XXXX, Account # : XXXX ; XXXX XXXX, Account # : XXXX ; XXXX XXXX XXXX XXXX, Account # : XXXX, the Credit Bureaus have violated my rights, under the following FCRA sections : 602 Congressional findings and statement of purpose [ 15 U.S.C. 1681 ], Section ( a ) ( 4 ) : There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.

604 Permissible purposes of consumer reports [ 15 U.S.C. 1681b ], Section ( 2 ) : A consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Credit Report with TRANSUNION Was Used Fraudulently the following inquiries Were Made fraudulently in attempt to obtain credit in my name Also these has been fraudulently reported to my consumers profile as I did not authorize the company to report this information Inquiries : XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX  ( Construction ) XX/XX/XXXX XXXX XXXXXXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX XXXXXXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX
Product: Debt collection

To whom it may concern, UNFAIR, ABUSIVE AND DECEPTIVE to say the least. 

As a single father of 5 children, I was impacted drastically with XXXX. I lost my job and also my home. This called me to fall behind on all my obligations. Unfortunately, on XX/XX/XXXX My auto loan was assigned for repossession with Bank of Hawaii. 

I found the strength to not only find a 3rd job to supplement income and get back on my feet. I would not give up. 

On XX/XX/XXXX I was able to cure the amount quoted to me on XX/XX/XXXX that would cure the delinquent amount, late fees and repossession fees. As soon as I was able to make payment to Bank of Hawaii, I contacted to collection department and spoke with the supervisor by the name of XXXX, he assured me that everything was taken care of. 

On XX/XX/XXXX, My truck was repossessed. I called Bank of Hawaii, and they stated it was repossessed in error. Whomever was supposed to cancel the order failed to do so. They said I needed to go down to the tow yard to pick up my vehicle with no cost and they would also assist me with reimbursing the repo fee along with giving me one month payment free due to this error that could have been prevented. I explained to them I missed a day 's work and also my children missed their doctors ' appointments. They promised to make things right and get back to me on XX/XX/XXXX at XXXX. 

I received a call on XX/XX/XXXX from XXXX ( Collections Supervisor/Manager from XXXX ) and was told as a slap in the face- They will not help me other than giving me back {$300.00} worth of fees because the reason he didn't need to cancel the repossession was because there was a {$26.00} fee that I did not cure. I asked why wasn't this told to me when they quoted me a payoff as of XX/XX/XXXX. 

How can they go from explaining to me it was my error to telling me " TO BAD ''. From admitting error to back pedaling to save themselves from litigation fees. 

This is unfair to say the least. I am being bullied by this cooperation. Who stands up for us. I am a single father of 5 trying to make it in this life even with the post-covid struggles. How can they be called " Bank of Hawaii '' when their actions do otherwise. 

CFPB stands up for the consumer and ensure/enforces creditors to do right by the consumers. 

XXXX at Bank of Hawaii should take accountability for his teams ' actions and also be held accountable for a despicable mistake. 

Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, 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 The following inquiries are unauthorized : On XXXX. XXXX, 2020, XXXX XXXXXXXX XXXX XXXX add a hard inquiry on my credit reports. 
On XX/XX/2020, XXXX XXXX XXXX add a hard inquiry on my credit reports. 
On XX/XX/2020, XXXX XXXX XXXX XXXX add a hard inquiry on my credit reports.
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/23 I placed order XXXX XXXX XXXXXXXX & made 1st payment through Afterpay for {$18.00}, Total {$73.00}, remaining unpaid balance {$55.00}. XXXX  # XXXX, which as of XX/XX/23 does not have possession of my package. In spite of this information, XXXX has refused my multiple cancellation requests. XXXX, despite having this proof, STILL protected XXXX, which is bias. I've already cancelled the credit card, & advise all future customers to make other shopping arrangements.
Product: Mortgage

Roundpoint mortgage took over as servicer on my mortgage. I sent the payment to the previous mortgage servicer who forwarded it to Roundpoint on time. XXXX dollar increase in escrow was paid once I was made aware. They refused to remove over 30 day late payment when the payment was not late.
Product: Checking or savings account

Bank Of America has placed my account into a risk closure status and is illegally withholding deposited funds and continues to accept deposits to my account while withholding all funds that are owed to me. They claim they don't have a date when they will be done with their review but after the review is done it would take 7-10 business days. I call and the risk closure team says I can go to the bank to withdraw the funds. The branch is saying they have to call risk closure. They have me go all the way to the bank which is far from my house. I was told again this morning to go to the branch and withdraw but I feel this is a waste of time. I will update everyone after this attempt.
Product: Consumer Loan

IVE PAID ON TIME EVERY MONTH - THE FIRST 3 MONTHS I HAD THE LOAN I WAS TOLD XXXX TIMES THAT MY PAYMENT DUE DATE HAD BEEN MOVED- AND XXXX TIMES I RECEIVED A CALL STATING MY PAYMENT WAS DUE THE DAY FOLLOWING THE ORIGINAL PAYMENT DUE DATE. IT WAS FINALLY CORRECTED AND EVERY PAYMENT HAS BEEN MADE ON TIME. MY SIGNIFICANT OTHER LOST HIS JOB - SO I WAS UNABLE TO MAKE THE PAYMENT FOR XXXX. I TRIED EVERYTHING I COULD TO PULL THE MONEY TOGETHER, BUT CALLED THEM WHEN I COULD NOT TO ASK FOR AN EXTENSION. I WAS LITERALLY TOLD THAT BECAUSE I MAKE MY PAYMENTS ON TIME THEY COULD NOT DO ANYTHING TO HELP ME. I HAD TO BE 2-3 MONTHS BEHIND ON PAYMENTS FOR ANY ASSISTANCE. TOLD THEM MULTIPLE TIMES I COULD NOT MAKE THE PAYMENT TIL THE FOLLOWING MONTH AND I COULD ONLY PAY THE REGULAR AMOUNT I COULD NOT DOUBLE UP. SINCE THE PAYMENT DATE THEY HAVE BEEN CALLING MY PHONE IN AN EXCESSIVE AND HARASSING MANNER, EVERY SINGLE DAY - CALLING BETWEEN XXXX TIMES A DAY IF NOT MORE. THEY ARE CALLING MY CELLULAR PHONE WITH AN AUTOMATED DIALER. THEY ARE CALLING MULTIPLE TIMES AFTER LEAVING MESSAGES WITH AUTO/ROBO DIALER - I HAVE NO GIVEN THEM PERMISSION TO DO SO - THEY CALLED MY PLACE OF EMPLOYMENT. MY SUPERVISOR TOLD THEM I CAN NOT RECEIVE PERSONAL CALLS AT WORK. THEY CALLED BACK THE FOLLOWING MORNING - ALL OF THESE ARE PRETTY CLEAR TCPA VIOLATIONS AND WITH ALL THE OTHER ISSUES BESIDES THESE THAT I HAVE HAD WITH THIS COMPANY IT REALLY IS OVERWHELMING AND UPSETTING.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. 

Accounts : 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 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 an account without my written instructions.

15 U.S.C. 1681c. 605 ( 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 ) Section : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information were found in my reports. The XXXXEquifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX XXXX XXXX  XXXX Balance {$3500.00} XXXX XXXX  XXXX Balance {$4600.00} XXXX  XXXX XXXX Inquired on XX/XX/2020 XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/2020 XXXX XXXX XXXX Inquired on XX/XX/202 XXXX XXXX XXXX XXXX XXXXXXXX Balance {$4600.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance {$3500.00} XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX - XXXX XXXX XXXX Balance {$4600.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance {$3500.00}
Product: Debt collection

After reviewing my credit report, I discovered accounts that I did not recognize or apply for upon further investigation. I realized that my personal information was exposed in several data breaches as well. I have no recollection of applying to any of these accounts at question and that and negatively impacting my credit per section 15 C 1681C-2 any fraudulent account that I did not authorize or sign a contract for must be removed off my credit in four days. These fraudulent accounts are not only damaging my credit but also causing me significant stress and XXXX. I have no connection to these accounts and urgently request immediate removal for my financial well-being.
Product: Credit card or prepaid card

Case : XXXX AMEX closed my case without giving me a reason. I made a this complaint about an offer made publicly online and not honored. Please see all documents attached. 
I called AMEX ( XX/XX/19 XXXX Eastern Time ) and spoke with XXXX ( XXXX ) and later his supervisor XXXX XXXX XXXX gave me his email so I could send him my evidence, this email 's attachment. His supervisor hung up the phone. XXXX insisted that I have to spend {$600.00} in order for AMEX to honor the offer. As you can see on the attached document : TERMS, CONDITIONS & DISCLOSURES, this is not the case.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding unauthorized inquiries that have appeared on my transunion credit report. I have recently discovered these inquiries, and after thorough investigation, I can confirm that I did not authorize any of the entities involved to access my credit information. 

I believe this issue is a violation of my rights under the Fair Credit Reporting Act ( FCRA ). According to the FCRA, only entities with a permissible purpose, such as creditors and lenders with whom I have an existing business relationship, are allowed to access my credit report. Unauthorized inquiries not only infringe upon my privacy but also have the potential to negatively impact my creditworthiness. 

Enclosed with this letter, you will find copies of my credit report indicating the unauthorized inquiries, as well as any supporting documentation I have collected during my investigation. I have also attached a list of the entities responsible for these inquiries, along with their contact information. 

I kindly request that the Consumer Financial Protection Bureau conducts a thorough investigation into this matter and takes appropriate action to rectify the situation. Specifically, I request the following : A detailed investigation into each unauthorized inquiry, including verification of their legitimacy and purpose. 
If it is determined that these inquiries were indeed unauthorized, I request their immediate removal from my credit report. 
A written response from the Consumer Financial Protection Bureau with the findings of the investigation and any steps taken to address this matter. 
I appreciate your prompt attention to this complaint and trust that the Consumer Financial Protection Bureau will take the necessary actions to safeguard consumer rights and ensure the accuracy of credit reporting. 

Thank you for your assistance in this matter.
Product: Student loan

I graduated XXXX XXXX in XX/XX/XXXX, before the public service loan forgiveness program existed. When the program was created, I contacted XXXX XXXX by phone and asked about whether I would qualify for the loan forgiveness program. I was told yes. A few years later, when I was having a hard time making payments on a public service salary I again contacted them to try and problem solve my situation and was again told I would qualify for public service loan forgiveness. Neither time was I told I needed to refinance through the XXXX XXXX XXXX XXXX in order to qualify for public service loan forgiveness. In late XX/XX/XXXX I found out through a company that charges to assist with consolidation that I would need to refinance in order to qualify for public service student loan forgiveness. I confirmed through my own internet research that was true, and consolidated with the XXXX XXXX XXXX in late XX/XX/XXXX. After I consolidated I learned that none of my per-consolidation public service could count towards my forgiveness timeline. I have had the same public service job since XX/XX/XXXX. Because I could not afford to make my loan payments and cover a XXXX co-pay, car repairs, or my divorce, I had to put loans in forbearance during the time XXXX XXXX was my loan servicer. My loan debt has gone up {$30000.00} in the time I have been paying on it because at this time my income based repayment does n't even cover the monthly interest amount. If I had received the correct information about the qualifying requirements for the public service loan forgiveness program I would have refinanced back inXX/XX/XXXX. I could have several more years towards my public service forgiveness. The frustration I have felt through this process can not be expressed in words, or if it can, it is beyond my ability. I have had to use credit cards and loans to cover financial gaps because my loan debt is such a burden, and then to discover that I can not get credit even for the years of public service I have already worked was horrible news. I took the steps I believed I needed to in order to verify my qualifications for the public service loan forgiveness program, and was assured I qualified. Then I found out I did not, and there was nothing to do but refinance and start my service clock from that date. If there is anyway I can provide information for the lawsuit, please let me know. As to the dates and times of my phone calls with XXXX XXXX staff, that would have to be subpoeaned because it was so long ago I do not have records.
Product: Checking or savings account

A few years back, I only had XXXX checking and XXXX savings account with Bank of America. Additonally, I had my mortgage with BofA. At that time my relationship with them allowed me to open up another checking and savings account at no additional cost. I didn't think I needed them, but they suggested that because it was no additional cost it would give me flexibility to manage my monthly expenses. Since it didn't cost anything additional, I didn't see the harm in it. Well, BofA sold my mortgage to another company and they have since changed their tiering and fee structure. Now, I'm getting fees on those additional accounts. I've spoken with mulitple reps trying to ensure that I don't get additional fees, but the fees keep popping on different accounts. Also, asked for a refund to no avail. What they have done is a clear violation of the Unfair Deceptive Abusive Acts and Practices statute. This is exactly the same thing that XXXX XXXX was guilty of and the CFPB should investigate the number of other accounts where this is happening.
Product: Debt collection

I had a credit card with XXXX which was charged off in XX/XX/XXXX in the amount of {$2300.00}. On XX/XX/XXXX, I could not use a debit card, called my bank and they told me I had a levy put on my account in the amount of {$6100.00}. They referred me to the XXXX Sheriffs dept. I called the XXXX   sheriff 's dept. which informed me that I had a judgment against me, they gave me a phone number for XXXX XXXX XXXX which turned out to be the Law offices of Robert J. Colclough , III. I called and he informed that he represented XXXX XXXX XXXX XXXX , XXXX. I contacted XXXX the original debtor and they sent me a letter which stated the account was sold in XX/XX/XXXX to XXXX XXXX XXXX. 
I had never received a judgment or notice of a judgment or was ever served, so I went to the courthouse in XXXX XXXX XXXX, XXXX XXXX division and pulled the paperwork. I found that the XXXX XXXX XXXX XXXX XXXX XXXX with XXXX XXXX XXXX sent a notice dated XX/XX/XXXX, stating that they represented XXXX XXXX XXXX XXXX , XXXX According to all of the paperwork, I was served 7 times, none of which I received. Some to a residence I no longer resided. On XX/XX/XXXX, the judgment was substituted to the law offices of Robert J Colclough III, to continue with the case, On XX/XX/XXXX, the law offices of Robert J Colclough III, finally sent me a notice that I owed {$6100.00} and to contact them with payment arrangements. Since they already levied {$3700.00} from my bank accounts ( my Mother 's inheritance ), On XX/XX/XXXX, I faxed them a letter requesting that they accept the amount of {$3700.00} as payment in full and to please file a " satisfaction of judgment '' with the court. and to close the case. I did not get a response from them. On XX/XX/XXXX, XXXX XXXX XXXX XXXX filed another levy notice from the XXXX Sheriff 's dept. requesting {$4100.00}. They did not subtract the amount of {$3700.00} from the original {$6100.00} that they had received, nor sent notification or acknowledgement of receiving the money.
Product: Student loan

The XXXX XXXX XXXX used misleading tactics and false information to convince students and prospective students to take student loans and attend the school. The school gave false job placement rates, false payment expectations and never followed through with promised school led employment assistance. The reality of what the industry was like that I was getting an education for was far different from what they painted it to be when soliciting me to take loans. The industry did not pay the way they described it and I immediately became bogged down in life with my student loan payments. It has irreparably affected my life in countless negative ways.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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