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

Had to get into a yelling match with a Bank of America Customer service in the closed account section. I was transferred very politely on the initial call, then the second representative answered, apparently irritated by her phone ringing for 15 minutes, maybe more. Yes, I did let it ring that long and yes it did take 15 minutes for an actual person to answer the ringing. Then she and I proceeded to yell over each other, after she told me she could not fix my account. I asked her to send me to a person who could, she told me she would and I was promptly hung up on. I dont think its unreasonable to ask a very large bank to stop automatic payments after your account is paid in full. And I think its borderline criminal for them to continue to do so after Ive requested them to stop, knowing full well the account is closed and paid off.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, OH XXXX Re : Request for Information on Debt Account # unknown Dear XXXX card I am writing to request the following information regarding the debt account referenced above. In order to properly assess my situation and ensure accuracy in my records, I kindly ask that you provide the following details related to this debt : The date of my last payment on this account. 
The date the account was charged off. 
The date the account was first reported as delinquent. AND 1099C FORM Please provide this information in writing at your earliest convenience. I am not disputing the debt at this time, but I would appreciate your prompt attention to this matter. 

Thank you for your cooperation. Should you require any further information, please do not hesitate to contact me. A charge off can not be collected as it was transferred to a trustee and can not be transferred back. 

Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account Number XXXX XXXX XXXX XXXX, Account Number XXXX U.S. Department of Education, 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
Product: Credit reporting or other personal consumer reports

after review of my consumer report i noticed multiple fraudulent items i am requesting block and delete of this information
Product: Credit reporting, credit repair services, or other personal consumer reports

Can u please delete the XXXX  " Duplocate hard inquiries ''. I know nothing about this second new inquiry at all. As i will provide documentation of the duplicate inquiries. 

I also froze my accounts with fraud alerts and reported to the FTC for further security & Investigation measures. This was improper use of my credit report of hard inquiries that i am unaware of and did not authorize. 

I was notified by XXXX XXXX XXXX XXXX app thats someone accessed my info. I also filed a FTC Report. Any company is supposed to contact me before hand regardless if an attempt is made to try anythi g on my report. U will also see i included that on my reports and in this report as well. 

The 2 Hard Inquiries was only supposed to be 1 Hard inquiry & 1 Soft pull. Its only for XXXX XXXX XXXX XXXX I have. I even have freezes and fraud alerts on there and not sure how it still got on there. 

As i will show u documentation that it was blocked originally. Experian is blaming the creditor, the creditor is blaming Experian and I been getting the run around. XXXX XXXX said on their end they only see 1 " Hard Inquiry '' which obviously isn't the case. 

Experian finally they told me it would be deleted in the next 24-72hrs but yet its still on my report. Duplicate Hard Inquiries : XXXX XXXX XXXX XXXX  ) can somebody please help me for somerhing that should be so simple to be corrected.
Product: Credit card or prepaid card

This is regarding American Express XXXX XXXX benefits. I signed up for the XXXX XXXX in XXXX of XXXX and enrolled in the Hilton Honors XXXX status XX/XX/XXXX. XXXX. It has now been almost XXXX  months and I have still not received the status match. I have called Amex XXXX ( number on the back of my credit card ) over 8 times, escalated the ticket twice, and still nothing. 

I paid {$700.00} a year for the XXXX benefits and have yet to receive the Hilton benefit. Every time I call, I am told that a ticket has been recreated and for me to call back in 7 - 10 business days. I have also been told to call Hilton. I've called and email Hilton and they mentioned that it is an American Express issue. Hilton has gone as far as to reach out to American Express themselves only for Amex to tell Hilton that I need to call Amex themselves ( did 8 times already ). 

The last thing Amex mentioned to me was now it's suddenly a widespread issue with Hilton matching on their end and while they are trying to resolve it, there is no resolution date in sight.
Product: Credit reporting, credit repair services, or other personal consumer reports

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$2200.00}
Product: Credit reporting or other personal consumer reports

To whom it may concern, This complaint is against EXPERIAN, XXXX, AND XXXX for the following violations of my rights as a federally protected consumer under the Fair Credit Reporting Act and Privacy Act of XXXX. 


15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. EXPERIAN, XXXX, AND XXXX are in direct violation of this law by reporting my transaction history ( private information ) illegally WITHOUT my WRITTEN CONSENT for XXXX  XXXX XXXX  account # XXXX  and XXXX XXXX XXXX  account # XXXX. Reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Fair Credit Reporting Act compliance. Per 15 USC 6802 I am now exerting MY RIGHT to OPT OUT of sharing my transaction history. All transactions reporting as late on XXXX  XXXX XXXX  account # XXXX  must be deleted and updated to paid as agreed. All transactions reporting as late on XXXX XXXX XXXX  account # XXXX  must be deleted and updated to current/paid as agreed. A response of this account has been " validated ', will not be accepted as I am not asking you to validate or verify anything. EXPERIAN, XXXX, AND XXXX are reporting the account XXXX XXXX XXXX XXXX XXXX XXXX XXXX in the amount {$520.00} as a charge off on my credit report. The IRS CLEARLY defines a CHARGE OFF as a CERTIFICATE OF INDEBTEDNESS which is now INCOME. INCOME CAN NOT be reported on THE CONSUMER REPORT which makes reporting of this account INACCURATE and in violation of 15 USC 1681. Additionally, the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt EXPERIAN, XXXX, AND XXXX reporting collections/Charge-Offs , late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness by Certain Entities.
Product: Credit card

I was the victim of identity theft. This is a formal dispute to support my position and claim. Below is the information you need to remove or block this account from my report. 
Also, this account is knowingly and willingly committing aggravated identity theft to collect on an extension of credit and punish me for non-repayment thereof through the credit reporting agencies. JPMCB CARD # XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The consumer reporting agencies has fail to fulfill their vital role to ensure that my consumer report. is fair and accurate to me as the consumer. I have not given none of these furnishers or consumer reporting agencies MY WRITTEN CONSENT to furnish this information on my consumer report. I have a right to privacy in which are being deprived of at the moment.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX we had to have two cars repossessed voluntarily due to job loss regarding a federal court case of foreclosure. My husband 's wages were garnished for the loan balance, which is being misreported on all bureaus. In XX/XX/XXXX, he was released from any obligations because the balance was brought to XXXX. We have been back and forth with XXXX XXXX and the credit bureaus to be taken off the report or updated as paid in full. I have been sent the letter from XXXX XXXX and the attorney 's office that filed the wage garnishment. Ally says to work with the credit bureaus as they know it should not be reported. The FCRA has changed its laws regarding reporting debt on credit reports of three years. We are being hindered from moving forward in life.
Product: Credit reporting

TransUnion has denied my request for a annual free credit report and wants sensitive information of my SS number, driver license, utility bills etc. Both XXXX have provided the reports without issue. All information on the standard form was consistent with my personal information and adequate for the two bureaus but TransUnion wants more. I refuse to give out more information.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I reviewed my credit report and found a collection account from United Revenue, originally from XXXX  XXXX XXXX, for a balance of {$980.00}. I do not recognize this debt and believe it to be inaccurate. I sent a formal debt validation request to United Revenue, disputing the debt under the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ). I requested detailed information, including signed agreements, a breakdown of charges, and proof of obligation, but to date, I have not received any validation. Despite this, the account continues to be reported on my credit report. 

I am attaching a copy of the letter I sent to United Revenue for your review and request your assistance to ensure they comply with federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint concerns a high-Interest loan company. I acquired a secured loan with One Main Financial and paid the loan off early. My first loan with One Main was at 15 %, then I was sent an invitation to apply for additional funds, and the interest rate increased to 18 %. My issue is that I paid off a {$12000.00} loan in a little over a year, and my credit score did not increase, not one point. I am assuming if you don't pay your loan over the life of the loan, which would accumulate a high amount of interest, the company will close your account instead of reporting that the account is paid in full first. When I approached the credit bureaus about correcting the issue, the company stated that the account was " Paid '' and in good standing. Therefore the credit bureau considers the complaint resolved. 

Credit reporting aims to show your ability to pay your obligations on time. There should be a rule or law that requires lenders of personal loans to report that an account is " Paid in Full '' for at least 90 days before closing the account, which in some cases can hurt your credit score. If your policy states that there is no penalty for early pay-off ; why not give credit where credit is due?
Product: Debt collection

Bank of America ( MBNA ) was the 3rd party that compromised my Huntington National Bank Visa credit card account on XX/XX/XXXX and FIA Card Services may have initiated that breach. Bank of America acted fraudulently when it created a fictitious account on XX/XX/XXXX without a Credit Card Agreement to allow FIA to recklessly transfer a credit card account originated by Huntington in XX/XX/XXXX. XXXX XXXX XXXX attorney for Bank of America filed a false claim in XXXX XXXX XXXX  Court on XX/XX/XXXX pursuing {$4800.00} more. Bank of America was already unduly enriched by demanding and receiving payments from me from XX/XX/XXXX - XX/XX/XXXX on an account not legitimately owned by them. Bank of America/FIA Card Services and attorney XXXX XXXX XXXX XXXX are violating the OCC Consent Order # XXXX dated XX/XX/XXXX. Bank of America is corrupting the banking system with what appears to be racketeering and XXXX XXXX XXXX is perverting the justice system by getting a Judgment for them on a fictitious account with no account agreement. Bank of America did not and can not produce the credit card account agreement they referenced in their response to my original complaint # XXXX referred to the CFPB by the OCC via my Case # XXXX on XX/XX/XXXX. The correspondence received on XX/XX/XXXX from Bank of America in response to my initial complaint is unacceptable and erroneously dated XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

It keeps asking about credits and loans that I have never request.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second 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, TX XXXX XX/XX/XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX Balance : {$0.00}. 
XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$340.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I was going through my credit report and found out that I had an inquiry that I am not aware of
Product: Mortgage

1. Provident Funding purchased my Mortgage Service Account from XXXX XXXX and assigned Provident Funding Number XXXX to my account, XXXX for short. 
2. XXXX XXXX XXXX XXXX coordinated an electronic payment interface with Provident Funding Accounts Receivable Personnel. 
3. Electronic Payments Due XX/XX/XXXX and Due XX/XX/XXXX were successfully conveyed from XXXX XXXX XXXX XXXX to Provident Funding. 
4. Electronic Payment Due XX/XX/XXXX, was delivered on XX/XX/XXXX in the previously normal amount of {$970.00} Subsequently, a second electronic payment in the amount of {$72.00} was delivered on XX/XX/XXXX for a Total XXXX Payment of {$1000.00} executed on time. Processing both experienced no obvious anomalies. 
5. Electronic payment XXXX XX/XX/XXXX was delivered successfully on XX/XX/XXXX suggesting no electronic systems problems may have occurred. 
6. I have no further external information to contribute.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the accuracy of information thats on my credit report. according to the fair credit reporting act ( FCRA ) section 605B its Illegal to report information on my credit report without my permission. please remove these items. XXXXXXXX XXXX XXXX XXXX XXXX  credit acceptance corp, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX # XXXX, Account name XXXX XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX  # XXXX Account name : 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 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 reporting, credit repair services, or other personal consumer reports

I have been submitting letters since XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. This will be my final attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized inquiries listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Company went out of business and company went bankruptcy since the bureaus different letters to dispute
Product: Credit reporting or other personal consumer reports

There are fraudulent accounts on my Equifax report that were opened fraudulently. XXXX and XXXX have already blocked these accounts but Equifax has not done so.
Product: Mortgage

More than two months a go I applied for refinancing mortgage loan with Amerisave Mortgage Corporation. They collected their deposit and fess and I provided all documents they asked for, appraisal was done and all steps followed. Now they are not acting to close the loan as I am facing critical deadlines which will hurt me if deadlines are not met. They seem deceptive and use bait-and-switch mortgage-lending scheme. I have tried to contact them many times by phone, email but I get no response. Now I am stuck and don't know what to do since I already committed to them and paid them fees and all documents. It seems they have a bait and switch tactics and get you hooked but then put you in a tight situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

equifax has fail to provide company of my credit history or not accurate information. The creditor i use are not able to access my equifax credit report called several times to get this resolve and nobody seems to know what they are doing. Creditors are pulling fruad alerts or freeze and getting nothing
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  Fraudulent activity on my credit report {$1500.00} Reported balance
Product: Credit reporting, credit repair services, or other personal consumer reports

The date is XX/XX/2018 for {$410.00} I spoke to the company several times before they sent me to collections and explained to them that my insurance covers the bill and to contact my insurance. I informed insurance that they would be calling and verified that I was covered for service. I did this numerous times and even sent the company contact names and numbers to call at the insurance company. I never received a response back until I started getting calls from debt collection companies. I just feel it's unfair for them to send me to collections without working with me to solve the issue. I can see if I was a rude or nasty speaking person but I always gave respect and just wanted the situation resolved.
Product: Credit reporting or other personal consumer reports

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need the following account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. The FTC is a legal criminal report and I'm filing it under penalty of perjury which I am sending together with this letter. Since you are required to protect my privacy I need this matter handled with the utmost urgency. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

XXXX XXXX XXXX XXXX