23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

I filed a complaint with your agency and Bank of America never responded to me about my complaint regarding placing a freeze on my account without any correspondence in the mail or a telephone call. There is still a hold on my account and when I called them they said that is under review with no further information.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MICHIGAN XXXX Last XXXX XXXX XXXX : XXXX Credit Bureau : EXPERIAN CREDIT BUREAU RE : To Whom It May Concern, On XX/XX/2024 I disputed an account reported by : XXXX XXXX XXXX XXXX in the file you maintain under my Social Security number. 

I was informed on [ XX/XX/2024 & XX/XX/2024 ] that the NAMES [ XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX ] was deleted from my credit report.

Now I have discovered that the items have been reinserted in my credit report.

In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days.

( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.

I received no such notification. This is a very serious violation of the FCRA, and I reserve the right to pursue legal action for your blatant disregard for the law.

I hereby demand that you immediately delete the item from my credit report in order to avoid legal action. I am submitting this complaint separately to the Consumer Financial Protection Bureau, the Attorney Generals Office, and the XXXX.

Please govern yourself accordingly.

Cc : Consumer Financial Protection Bureau Cc : Attorney Generals Office Cc : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 10th 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I receive an email regarding a debt from previous credit union, that I owe {$210.00}. I immediately called XXXX XXXX XXXXXXXX XXXX to ask why I was receiving a letter saying I owe an amount that is inaccurate and that the account have been inactive for several months with XXXX US dollars. They replied that the amount was accurate and that they closed the account. Furthermore, that they couldn't discuss further since the debt was adjusted and moved into the hands of a debt collector. That discontinue the phone call. 

They couldn't explain to me where the amount came from or anything. Basically, told me to contact the debt collector for further information. 
I have received numerous emails from debt collectors about this amount. Recently, checked my credit report, here there was reporting of inaccurate information.

This is a violation of 15 U.S. code 1692, 15 U.S. code 1692 ( C ) ( A ), 15 U.S. code 1692 ( F ) ( 8 ) and 15 U.S. code 1692 ( F ) ( 7 ). As XXXX XXXX XXXXXXXX XXXX and Kinum violated my right to privacy.
Product: Credit card or prepaid card

Ive reached out to Conns several times one of which was yesterday for help/assistance with my Conns bill. Due to COVID 19 I was advised I could call by a rep from the company if I was having difficulty paying my monthly bill. I reached out to them after my account was past due since that is one of their requirements before they can help you with a payment arrangement. I also received an email from conns stating that they can help with lower payments. When I called I was transferred to a supervisor from billing which denied me any form of help. I just spoke to someone again today and she said they do offer help. She transferred me again to billing and still theyre not offering me any reason for not helping me or any assistance. Ive done what they asked waited until my account fell behind to ask for help now they refuse to help me and now Im being told my account has to be 23 days past due before they can help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  account XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Office of Child supportXXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 Section2 : It also states consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE DISPUTED WITH XXXX BUREAUS OVER MY CREDIT INQUIRES THESE ARE THE ONES AS FOLLOWS XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX. I DO NOT RECOGNIZE THESE INQUIRES XXXX BUREAUS STATES THEY VERIFIED THESE INQUIRIES AND I KNOW THEY DIDN'T BECAUSE THE NUMBERS THAT ARE ASSOCIATED WITH THESE INQUIRIES ARE KNOW LONGER IN SERVICES AND THEY WILL NOT SEND VALIDATION LETTERS FOR THESE INQUIRIES.
Product: Prepaid card

I was given a {$100.00} American Express Gift card from my company last year for XXXX and I have not been able to use this card anywhere. I tried multiple times to use it online when making large purchases, like a flight, hotel, etc, but every time it is rejected as a form of payment. Some websites said I could use it only if I was purchasing the EXACT amount, but I can't make a purchase equal exactly {$100.00}. I had honestly forgotten about the gift card and I received another one from my company for this year 's holiday bonus. I now have TWO {$100.00} gift cards that I have not been able to successfully use when shopping. Can you please let me know where this card will be accepted because I have tried and it gets rejected every time. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, XXXX, I had been approved by XXXX XXXX to buy a vehicle. I took the information to XXXX XXXX of XXXX to buy a car. Instead of them using the information that I brought to purchase the vehicle, they ran my credit to other finance companies to get my car loan even thou they said, these inquiries would not effect my credit but, it did effect my credit. I attempted to refinance or get a heloc from XXXX and those hard inquiries have heavily decreased my credit score and hindering me from getting the best interest rates that I got on my original home loan of 3.5 %. I want these inquiries removed from my credit file. I have been 100 % good at paying my bills and attempting to improve my credit score in good faith.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I filed a dispute with XXXX, XXXX and Transunion for XXXX  XXXX  XXXX  and asked for a debt validation letter and was told that it would take 30 to 69 days to provide a letter. I asked for the Collection to be removed form my report during the investigation and was told tha5 it can't be removed. I received a notification stating that the collection investigation was completed and that the information was verified. I asked Transunion and XXXX to provide in writing the information used to verify the accuracy of the debt and was told that they don't have to provide that information to me that I needed to contact the collections agency. The Collection agency stated that they would send the information but ut takes up to 69 days to receive the information. XXXX deleted the Collection after stating that the collections could not be validated and that they had no proof provided from XXXX. In the midst of the collections being removed from XXXX XXXX XXXX who is believed to be a sister company of XXXX  added a collection for XXXX dollars, because they stated that my insurance didn't pay the entire bill and that I owed XXXX XXXX because of that. I never received a letter from XXXX or XXXX XXXX. XXXX XXXX  stated that they emailed me to notify me of the bill but that they can see that there has been no activity on my email address inbox. XXXX also stated that the statue of limitations will be up in XX/XX/XXXX. A Transunion supervisor stated that they do not adhere to the Fair Crefit Reporting Act when I asked about the items being removed until the investigations are complete. XXXX and Transunion also allowed XXXX XXXX to continuously update my report monthly until I disputed the collections and proved that I didn't owe a bill due to incorrect insurance filing on the original debtors part. I was also told that even if I submit the request for debt validation in writing that it would nit make a difference because Transunion and XXXX does not provide validation of debts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. Several years ago my office was broken into and several identity documents were stolen. After the identity theft several accounts were applied for and/or opened in my name without my knowledge or consent. I filed a police report and have attached a copy of it to this complaint. I ordered my Chexsystems report and found the inquiry below which was not authorized by me : XXXX XXXX on behalf of XXXX XXXX XXXX Date : XX/XX/2018
Product: Credit reporting, credit repair services, or other personal consumer reports

Reaptedly, I have asked ChexSystems to review the information they give out on my report, as I can not open up a bank account. I have applied to just about every bank, or financial institution literally in Washington state. I am-continuously denied after being granted an account opening solely because of the information that ChexSystems is reporting and refuses to correct. Upon further investigation check systems refuses to remove any of the disputed items. A fraud warning is a main alert on my file and this is severely WRONG. XXXX to XXXX different bank companies or roughly 70 pages, all with a denials are currently being reported. All of this is an accurate! Ive communicated the blatant and astronomical number of inquiries and the in accuracy of the report mixed with the speed in his items to no avail. I can not get a bank account in the United States! I can not have some place to put my money safe? Its so bad that even third-party insignificant companies like XXXX refuse to work with me because of the things that check systems are reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX   are reporting incorrectly that I am 30 days past due on XXXX partial account number XXXX. ( Please see page 6 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.
Product: Debt collection

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. The particular account position that is recently filing on this credit document has a seriously unfavorable impact on my capacity to attain guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to XXXX Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you. 
CREDIT COLLECTION SERV ( Original Creditor : HIGH POINT SAFETY ) XXXX {$240.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed a copy of my credit ( Experian, XXXX and XXXX XXXX ) report and i noticed the following late payments. 

XXXX XXXX XXXX XXXX DEPTEDXXXX-XXXX DEPTEDXXXX DEPTEDXXXX  DEPTEDXXXXXXXX  Your company is in clear violation of the law.15 U.S. Code 1681s2 - permissable purpose of consumer report, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject 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, Did i give you written instructions to furnish this account on my credit report? 
Furthermore, the FAIR REPORTING ACT15 U.S. Code 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer report clearly states : ( 2 ) EXCLUSIONS, - Except as provided in paragraph ( 3 ), the term 'consumer report '' does not include- ( A ) subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transaction or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, this agency is in violation15 U.S. Code 1681.
Product: Student loan

There is no customer service available ever and the deadline is approaching to consolidate.
Product: Debt collection

Sent a certified letter to XXXX XXXX requesting verification of a credit card debt on XX/XX/XXXX. As of XXXX XXXX XXXX they have who failed to respond to any of my request requesting verification and have continued to reporting it that through the three major credit bureaus
Product: Debt collection

I’m willing to pay off the debt. Can someone email me regarding how to start and fix it to take the derogatory mark off my credit.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX PA, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX : XXXX for Removal of Fraudulent Items from Credit Report SSN : [ XXXX ] To Whom It XXXX Concern, I am writing to formally notify you that I am a victim of identity theft and demand the immediate removal of fraudulent items from my credit report. This attempt to block the fraudulent accounts is being made by me, the rightful consumer, under XXXX XXXX Code XXXX ( Fair Credit Reporting Act ), and the Identity Theft and Assumption Deterrence Act ( XXXX ). These laws entitle me to block any information resulting from identity theft on my credit report. 
The following accounts have been fraudulently opened in my name or affected by identity theft : [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ] As required by 15 U.S. Code 1681c2, I have provided the following documentation to support my claim : A copy of my Identity Theft Report, filed with the Federal Trade Commission ( FTC ) ( or other relevant authorities ) A copy of my government-issued ID ( e.g., passport, driver 's license ) A copy of a utility bill showing proof of my current address A statement affirming that the above accounts are not related to any transaction initiated by me This request is being made by me to block the fraudulent information from my credit report. Under 15 U.S. Code 1681c2, once the above documentation is received, you are required to block these fraudulent accounts within 4 business days.

In addition, please be aware that 15 U.S. Code 1681c2 ( c ) explicitly prohibits the re-insertion of information that has been blocked due to identity theft. Once an account or inquiry has been blocked from my credit report, it can not be reinserted without proper verification that it is no longer associated with identity theft. If any blocked information is improperly reinserted, I will take immediate legal action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and other relevant authorities.

Additionally, I request that you provide a free, updated copy of my credit report reflecting these changes, as stipulated under 15 U.S. Code 1681c-1.

I expect prompt and thorough action in resolving this issue and expect a written response from your office no later than [ set a date within the required timeframe, e.g., 10-14 days ].

Thank you for your immediate attention to this matter. I look forward to your swift action to correct my credit report. 
Sincerely, XXXX XXXX Enclosures : Copy of Identity Theft Report Copy of ID Proof of Address ( Utility Bill ) Statement identifying fraudulent accounts
Product: Checking or savings account

XX/XX/19 account opened with Bank of America without my consent
Product: Credit card or prepaid card

I filed dispute for an unauthorized transaction and cash app closed my account on XXXX 

The unauthorized transaction occurred on XX/XX/XXXX for {$100.00}.
Product: Debt collection

I have a credit card account XXXX XXXX  XXXX ( XXXX ) which became delinquent XXXX when my employer down sized and laid me off. I contacted XXXX and they referred me to a collection agency, Stenger & Stenger since XX/XX/XXXX. I have made several offers for settlement of the account, but Stenger & Stenger is not responding to my offers. They don't even make a counter offer if they don't accept my offer. They at a time stated in a letter that they " seek to confer on a discovery plan and also to discuss possible settlement '' pursuant to Minnesota Rules of Civil Procedure, Rule 26.06 & Rules 115.10. 

I have made several offer. Instead of responding to my offer or sending me a counter offer, they keep sending court papers. They would send one package and wait for about a month and send another. They are very inconsistent. I have called them on the phone, but they don't answer their phones. These has dragged on for almost a year. I have settled my other accounts that were delinquent. But this one keep harassing me with court papers. I don't know what they want. We don't have to go to court little issues like this. Minnesota has provision for debt settlement. I want to settle this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXXXXXX Balance : {$350.00} XXXX XXXX XXXX XXXX Balance : {$14000.00}
Product: Credit card or prepaid card

I received a Citi Double Cash Rewards card last month. After using it for a few weeks and paying off the balance in full within 2 weeks of any purchases, I went to use the card and the merchant said it was denied. 

I called customer service, fraud department. They said they needed to verify my phone number via a text message. Then they said that wouldn't work, but couldn't give a reason. Then they said my only recourse was wait for a letter in the mail in 7-10 days. 

They refused to provide an explanation for why the card was shut off, why they couldn't verify my information, or otherwise inform me on anything. 

I then asked for a supervisor. She also was no help. I said I wanted to close the account. They refused to close my account. I'm now stuck with no card that works, no reason as to why, and no ability to close my account. I also discovered that 100s of others had the same exact experience, as reported on XXXX.
Product: Credit reporting or other personal consumer reports

I have contacted Ability Recovery Services to validate the alleged debt as well as to stop reporting to the CRAs as well as completing a through investigation and provide me with any and all information used. Ability Recovery has failed to do so.