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

Dear Sir or Madam, XXXX XX/XX/XXXX, an identity thief opened a credit card in my name with Bank of America. 

I attempted, as per the 2003 FACT Act, to obtain the application information that the scammer used to open this credit card. I certified mailed out a completed form, a copy of my FTC Identity Theft Report ( Report Number XXXX ), and copies of my driver 's license and social security card to Bank of America 's Victim 's Assistance Unit post office box in XXXX, Arizona. According to the XXXX 's tracking, my letter was received on XX/XX/XXXX. 

The Fraud Application Department then, over the course of the next two months, refused to tell me whether or not my information had been received and entered into the system. A supervisor told me it could take up to two months, and therefore I needed to wait until XXXX for an answer to my question. 

On XX/XX/XXXX, I contacted the Fraud Application Department at the Bank of America and told them I had heard nothing. They said I would need to re-send the information, and this time I should fax it. On XX/XX/XXXX, I did so. 

I waited, as per the instructions of " XXXX '' at the Fraud Application Department, for 5 full business days and then called and asked if they had received my application. I was told the " analyst '' was out, and I should call back in 48 hours.

Then, when I did call back in 48 hours, " XXXX '' told me that it could take up to 30 days for an answer. 

It is clear that Bank of America is simply not processing repeated requests for information under the 2003 FACT Act. I need your help in forcing them to abide by the law.

Please let me know what further information you need. My phone number is ( XXXX ) XXXX, and my e-mail address is XXXX. Thank you. 

Yours truly, XXXX XXXX
Product: Credit card or prepaid card

My new direct express card came in the mail today, and the chip account number isnt matching up to whats on the card itself. I need my XXXX money to go on my direct express card witth the number XXXX XXXX XXXX XXXX on it, immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX account XXXX has violated my rights. 

15 USC 1681 Section 602 States I have a right to privacy.

15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instruction.

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 reason.
Product: Payday loan

I got an intial loan of {$900.00}. The payments were {$130.00} every two weeks which I agreed to. I saw an option to push the next payment to the next pay period. I thought it meant I could start the payments the next pay period. Instead it XXXX the payment which I could not afford. Now they are saying I owe {$500.00} for a payment. Most of this fee is finance charges which they keep adding on every week. I asked for payment arrangements of {$50.00} and they are taking the payments but my balance keep going up {$100.00} everyweek. They are a tribal internet lender. I want to stop adding the interest and apply payments toward my balance.
Product: Debt collection

The Fair Credit Report Act ensures your right to an accurate consumer credit profile. It obligates companies to report truthful information on your credit report. It also provides some ways you can challenge information you think is inaccurate.

The Fair Debt Collections Practices Act also helps ensure creditors are honest when reporting or collecting debts. Additionally, it prohibits collectors from engaging in harassing or abusive behavior to collect a debt, including contacting you excessively or at inappropriate times. You might be able to report or seek remedies from collectors who break these FDCPA rules for fair collections.

The Truth in Lending Act is part of the Consumer Credit Protection Act. This law deals with what information lenders must disclose, how they can advertise their products and rates and what rights you have when a lender isnt truthful or transparent. 

Fidelity Credit Services is showing I owe XXXX. I would like for Fidelity Credit Services to show the Rental Agreement I signed with their company.

I would like for them to show the court order in the amount I owed to Fidelity Credit Services. I would like for Fidelity Credit Services to show where I gave them permission or anyone permission to gain access to my personal information. In the State of Georgia The Georgia statute of limitations on debt is six years for written contracts. This information has been on my credit report for 8 years. If this agency can not provide a contract where I gave them permission to access my personal information. If they can not show proof of a court order where a Judge gave Fidelity Credit Services permission to access my information. This is my last attempt to remove the false debt. I do plan on taking legal action which is my right in the amount of {$1000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Requested to receive credit reports ( XXXX, XXXX, Transunion ) by mail via XXXX several months ago. They have not sent the reports yet.
Product: Student loan

Nelnet is mishandling the resumption of my federal student loans. I have emailed them 3 separate times all with no reply. I have spoken with them and they claimed that they would fix the problem but it persists. My payment used to be 1 monthly debit, now it's 2 monthly debits and those monthly debits are not being correctly applied to loans in repayment. Some of the payment is being applied to a recently obtained loan that is in " in-school '' status/ NOT in repayment.
Product: Payday loan, title loan, or personal loan

I went online XXXX to search for a XXXX XXXX XXXXXXXX XXXX. I found a pendant on XXXX XXXX XXXX. It was advertised as high quality with a price of {$13000.00}, on sale for {$12000.00} with a 75 % rebate for a total of {$3100.00} No Tax. Attached is a screen shot of what I saw. Plainly on the top it says 30 Day Return. Upon checkout I noticed an option to pay overtime through Affirm. It asked for my phone number and email address only. it approved me for the amount to purchase the pendant over 12 months with interest. The next day I get an approval email, but it has my wife 's name on it, XXXX. My wife doesn't even know about this purchase. 

I emailed the company on XXXX asking if I was going to receive this before XXXX and never received a reply inside 24 hours. I emailed them again asking the same question. I got a reply explaining I purchased the poorest quality diamond made. So, I immediately called XXXX XXXX XXXX. He suggested I go to a smaller diamond for better clarity. The bigger diamond would show too many imperfections and be very dull. I told him to just cancel the order. He told me there would be a XXXX $ % restock fee?!!! That would be {$1000.00}. It hasn't even been shipped. He didn't offer any other solutions to try to fix the issue. 

I contacted Affirm. At first they didn't want to talk to me because the account is in my wife 's name. She doesn't even know about it.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to formally dispute credit inquiries that appear on my credit report, which I believe are not accurate and are causing potential harm to my creditworthiness. As a consumer, I am protected by the provisions of the Fair Credit Reporting Act ( FCRA ), the Equal Credit Opportunity Act ( ECOA ), and the Metro 2 laws, which require accurate and fair reporting of credit information.

According to the Fair Credit Reporting Act, credit inquiries can only be made for the following permissible purposes : 1. A Firm Offer of Credit 2. Insurance 3. An Application for Employment 4. A Court Order The inquiries in question are the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX In accordance with Section 604 of the Fair Credit Reporting Act, consumer reports may only be used for the purposes described in 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) Otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that the consumer initiates.

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 Given my intention to apply for a home mortgage in the near future for my family, it is of utmost importance that my credit report accurately reflects my creditworthiness. Hence, I respectfully request the immediate removal of these disputed inquiries from my credit report.
Product: Credit reporting or other personal consumer reports

Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX an auto loan account opened at XXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXXXXXX XXXX XXXX  on XX/XX/XXXX under the account number XXXX, and a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$200.00} that appears related to XXXX XXXX XXXX and lastly a real estate loan opened with Loancare on XX/XX/XXXX with the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Investigation Request Letter To Whom It May Concern : I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. 

Are you familiar with something called 15 U.S.C. Sec. 1681 i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well, I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them. 

Accounts XXXX Credit Control Service. 
Account Name XXXX XXXX XXXX XXXX Number:XXXX   Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

I also read where I can get the updated report after you investigate this from the Free lawyer guy. Could you please send it to me? Also, please let me know who had access to my file as well. I want the investigation outcome to be sent to my address. 

Thank you for your time and help in this matter. 

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

I recently reviewed my credit report and found unauthorized inquiries. 

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. 

According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. 

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( XXXX ) 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 Account : XXXX XXXX XXXX XXXX XXXX XXXX {$1300.00} Inquiry : XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Inquiry : XXXX XX/XX/XXXX Inquiry : XXXX XX/XX/XXXX Inquiry : XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Inquiry : XXXX XX/XX/XXXX Inquiry : XXXX XXXX XXXX XX/XX/XXXX Inquiry : XXXX XXXX XXXXXXXX XX/XX/XXXX Inquiry : XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 

XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, 15 U.S Code 1681b - Permissible purposes of consumer reports ( 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 INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Product: Credit reporting or other personal consumer reports

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 

XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance : {$2400.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experience is reporting incorrect and inaccurate information on my credit file. I have tried to get it corrected with them several times now and it has still not been resolved.
Product: Credit card or prepaid card

Someone in Florida tried to open 5 credit cards using my info. This happened through syncb. They appear on my Credit Report as hard inquiries. They are : syncb/XXXX on XXXX/XXXX/XXXX ; syncbXXXX on XXXX/XXXX/XXXX ; syncbXXXX on XXXX/XXXX/XXXX ; syncb/XXXX on XXXX/XXXX/XXXX ; syncb/XXXX on XXXX/XXXX/XXXX. I never ordered any of these and would never. 
They appear on my credit report ( through XXXX XXXX ) as hard inquiries and could stay on my credit report for a number of years. Please have them removed and make sure they were never opened.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM DISPUTING INQUIRIES FROM XXXX XXXX XXXX XXXX. I HAVE NO KNOWLEDGE OF THESE INQUIRIES. UNDER THE PROTECTION OF 15 U.S.C. SEC. 1681i ( f ) ( 3 ) which governs credit reporting through a consumer and all 3rd parties. 15 U.S.C. SEC .1681i ( a ) ( 1 ) ( A ), 1681i ( a ) ( 1 ) ( B ), 1681i ( a ) ( 1 ) ( C ), 1681i ( a ) ( 2 ), and 1681i ( a ) ( 3 ). These quoted laws protect the identity, information and credit of the everyday person from unfair reporting, misuse or unlawful transfer of my information as well as accuracy, legitimacy and proper investigation on behalf of every credit reporting agency making my information public, which I have NEVER GIVEN WRITTEN OR VERBAL CONSENT TO.
Product: Credit reporting or other personal consumer reports

XXXX has agreed to remove account from my profile Ive closed this account they told me to contact u guys the account is paid and closed
Product: Debt collection

More than 3 phone calls a day from Phoenix Financial, rude and assumptions behavior. Was told to stop contacting me but this has only increased their number of calls a day
Product: Checking or savings account

On XX/XX/XXXX I called to check my deposit from Netspend XXXX XXXX XXXX XXXX XXXX. and they restricted my account for no reason one day before my payment.. On XX/XX/XXXX I attempted to authenticate as per their requirement to close account by answering their Security Question and they insisted I send personal information my Drivers License to them I did 6 times over and over again and they kept saying " no good '' their telephone is XXXX their address is XXXX XXXX XXXX I further called XXXX XXXX XXXX XXXX on same days 2 times at XXXX and gave them Routing and Account XXXX  and had them stop future payments I want my XXXX Payment sent back to VA XXXX  XXXX after a balance of {$200.00} I owe themXXXX.
Product: Checking or savings account

I responded to an offer which involved a {$300.00} bonus for meeting certain direct deposit requirements that was being advertised through the bank of america website, I was presented with this offer, as I have an open credit line with them. upon establishing the new checking account, and met all requirements, not bonus payment was made. The first time I called, they assured me the system would kick in after 60-90 days. I have not seen a single Bonus deposit after nearly 6 months. Either I was mislead to open a new checkings account, or their system  is not functioning properly. Either way, they do not honor their word and should not be advertising false claims.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX 2020 I did a settlement with a company called XXXX A third-party collection agency working on the behalf of XXXX XXXX XXXX.They are both are still reporting fraudulent inaccurate information this Account was settled and was agreed to be deleted.I checked my credit report today as of XX/XX/2020 and its showing negative for The second month In a row.I have called the collection agency XXXX and I called XXXX XXXX XXXX  in XXXX and XXXX and I told them what the issue was.I was told that they will look into it by the first party XXXX XXXX when I called XXXX the collection Agency they told me that they would call XXXX XXXX XXXX  and get it corrected Two months later XXXX they are still reporting inaccurately.
Product: Debt collection

I got a phone call from someone who claimed to be attempting to serve me a court document. I advised I was not home ( I was at work ) and asked what it was in regard to. She advised me to call XXXX. I called and spoke to XXXX XXXX who advised I was being sued for an " attempt to defraud a financial institution ''.

I told her I thought it was probably a mistake. She said the client was HSBC but could not specify what credit line was in question, just that it was some line through HSBC and that the last activity on the debt was approaching ten years in length. She threatened to put a lien on my home and ruin my credit and embarrass me by attaching a wage garnishment with my employer if I didn't comply with a settlement before Monday.

I have no idea what credit line this is for? I know if I did default on a debt it had to be at least 15 years ago and that I'm fairly confident the statute of limitations has far since passed in Maryland. XXXX advised me that I'm being sued because I'm now a properly owner with credit in good standing, so I suppose they see a good target. Honestly, it feels like a social engineering tactic to stoke fear and get me to pay for something I don't even know if I owe or have any way of reasonably remembering. I did contact a financial law firm in Maryland and will likely pay them to communicate with this supposed " XXXX XXXX XXXX XXXX  ( when you look up their address it seems to be HSBC in California ) I gave her my email so she could send me some information on the matter ( they claimed to have sent me a letter in XXXX, but I don't recall seeing one ) - The XXXX file they sent me with the settlement offer for this extremely old, supposed credit default is attached.
Product: Credit reporting or other personal consumer reports

Incorrect balance shown on report on XXXX XXXX XXXX XXXX