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

This letter is in reference to the account listed on my credit report by XXXX. XXXX XXXX under account # XXXX. This account is being illegally reported on my credit report. I formally disputed it directly with in regards to their illegal reporting, and have not received any satisfactory reply. Therefore, I am now formally disputing directly with you. Furthermore, if at any time during your investigation the above account is verified by XXXX XXXX XXXX XXXX I am requesting your method of verification pursuant to the FCRA, including the name of the person with whom you spoke, who has firsthand knowledge of the account in question. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the XXXX XXXX XXXX  and the Attorney Generals office, should you continue reporting this erroneous item. And if necessary I will pursue civil litigation.
Product: Consumer Loan

This is a follow up on complaint # XXXX since I have received a reply from the XXXX Dept. at the XXXX that I am attaching to this complaint.
Product: Money transfer, virtual currency, or money service

I send money using my XXXX  card to moneygram and I want to get it in my XXXX  account but when I try to cash in XXXX  but I can't take it what should I do tk get the money or its OK to give it back to my XXXX XXXX account
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. Account Name XXXX Collector. Account Number XXXX. The account name and number above have 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. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

On XX/XX/2021, I was notified by text that my Bank of America credit card was used for purchases and I immediately notified Bank of America via text that I did not make those charges. On that same day, I called the bank that I never received my card ; therefore, those credit card charges were fraudulent. The Bank of America representative filed a fraud claim, issued a temporary credit for {$1300.00} while Bank of America 's fraud team investigates my claim, and I received a replacement card which I activated in late XX/XX/2021. 

On XX/XX/2021, Bank of America denied my claim and reversed the temporary credit. When I called a Bank of America representative, I was told that the Bank of America fraud team never documented that my card was stolen ; therefore, Bank of America made it seem like I made those charges in XX/XX/2021. My case was reopened on Wednesday, XX/XX/2021 and denied a second time on Wednesday, XX/XX/2021. While calling the bank again, I was told that the fraud team ignored that my card was stolen/never received. Through my various conversations with Bank representatives and two appointments at the Bank 's XXXX office, the bank 's fraud team acted accusatory and has treated me poorly. 

To make matters worse, I was told by a Bank of America representative ( " XXXX '' ) during my second in-person appointment on Tuesday, XX/XX/2021 that the last four digits of the phone number used to activate my stolen credit card does not match the last four digits of my phone number that Bank of America has on file. 

I filed a police report on Saturday, XX/XX/2021 and I was able to obtain the police report on Tuesday, XX/XX/2021 that ascertains the facts I have presented to Bank of America.
Product: Credit reporting, credit repair services, or other personal consumer reports

I RECEIVED A UNSOLICITED CALL FROM A UNKNOWN XXXX COMPANY ABOUT CREDIT SCORE PROBLEMS. I DO NOT REQUEST THEIR SERVICES AND I WAS RUDELY THREATHEN BY THE CUSTOMER SERVICE PERSON WHEN I DID NOT PROVIDE ANY INFORMATION AND ASK MORE ABOUT WHY AND HOW THEY CONTACTED ME. THE NUMBER OF THIS COMPANY IS XXXX XXXX XXXX. THE REFUSED TO PROVIDE ANY INFORMATION ON HOW OR WHY I WAS CONTACTED AND HANG WHEN I REQUESTED A SUPERVISOR
Product: Credit reporting

Experian is refusing to remove accounts that do n't belong to me, they 're refusing to remove fraudulent inquiries, and they wo n't accept my identity theft police report through their upload page.
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 Account Number : XXXX Account Name : XXXX Account Number:XXXX  Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX  has violated my rights. Or list of inquiries 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 or other personal consumer reports

I have three accounts reporting on my credit report, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. All three of these accounts are also being updated as a charged off on my report as if the account is still open and reporting a balance of {$330.00}, {$230.00}, and {$960.00} when the account should be XXXX due to the account being reported a charged off account. Also none of these accounts are being reported or accurate across XXXX nor XXXX. All the information on this account which is inaccurate and a violation According to XXXX XXXX Transunion XXXX, XXXX, XXXX, and TRANSUNION are supposed to ensure MAXIMUM POSSIBLE ACCURACY. This account violates these laws : 15 USC 1681i, 15 USC 1681s2, 15 USC 1681i5, 15 USC 1681eb. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX
Product: Checking or savings account

Sallie Mae Bank personnel can not give a consistent answer about whether or not funds wired via XXXX to SallieMae Bank from a domestic U.S. bank will be subject to a funds availability hold or not. 

Two telephone reps that I have spoken with on XX/XX/2019 and XX/XX/2019 have said that inbound wired funds are not subject to funds availability holds. 

However, I asked the same question via secure message to Sallie Mae, and their response was that a funds availability hold would apply. 

At best, this is a serious discrepancy in information that Sallie Mae Bank is providing to customers. At worst, this is a deceptive business practice of telling customers that funds wired into new accounts are not subject to holds when, in fact, those funds are subject to holds.
Product: Mortgage

New Days advertising is deceptive and preys on borrowers.get money in the bank for financial security is ridiculous borrow at 5 % to put in a bank and earn.50 % maybe!!! Incredibly bad advicewhile generating feescompany should be shut dow not just fined!
Product: Credit reporting

The below letters shows XXXX of many attempts to request a Hearing to dispute the parking tickets that lead to the {$490.00} being reported on my credit report. I am still disputing the tickets to XXXX. Beside the letter I have XXXX emails also sent in this quest. Thank you. 

To : The Director, XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX DC XXXX Fax : ( XXXX ) XXXX I am writing you in regards to a parking issue that still remains unresolved. In XXXX 2015, I received XXXX parking tickets within an hour 's time and my XXXX XXXX was towed. I was temporarily park at a Legal XXXX parking space marked by a Sign : XXXX Parking Only, a XXXX XXXX XXXX Meter and confusing Green and White signs stating that parking was allowed between different hours. I was parked between the hours of XXXX and XXXX when I ticked and towed. I immediately contacted Parking Services, asked for the Supervisor who told me where to find my vehicle and after explaining my case. Advised me that he was cancelled the towing ticket only. I then proceeded to call the XXXX XXXX Department Directors office to explain the situation of the confusing Green and White signs, XXXX XXXX Meter and a XXXX Parking Only sign being at XXXX place. I spoke to the assistance for the then outgoing Director Assistance XXXX XXXX XXXX. I explained to her what happen and she stated that she would send a Supervisor out to the location to meet me and investigate the issue. 
To make a long story short. After sending about XXXX emails including pictures to XXXX XXXX and the XXXX Supervisor, XXXX XXXX who after I wrote to XXXX XXXX recanted his offer of cancelling the ticket? The tickets have doubled and been sent to a collection agency. I tried very earnestly to get this issue resolved. When I received the notices in the mail, I responded XXXX times by requesting a Hearing to settle the matter. I still have the emails and pictures to present as evidence. I have a legal XXXX due to XXXX and my truck did display my XXXX hanging from my rear-view mirror. On that day I was totally unaware that parking at this XXXX space which is in front of the XXXX XXXX on the corner of XXXX and XXXX XXXX XXXX was illegal during that time. 
Furthermore, as I come in to work each day I have noticed and taken several pictures during that same time of cars parked in this location, that do n't have XXXX signs and are still there for the whole entire day! 
I 'm requesting a Hearing to get this matter resolved once and for all. 
Thank you for your assistance in this matter. It is greatly appreciated. 
Below are the ticket references : Ticket Number : XXXX. /Reference Number : XXXX. / Ticket Number : XXXX Number : XXXX. 
Not sure of the towing ticket number, you may check with XXXX if does n't deny that too. 
Thank you again! 
XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXXXXXX
Product: Debt collection

Ma'am or Sir, I noticed on my credit report there was a collection account appearing for a modest amount that I did not recognize.

I had never received any validation notice telling me how much money I owe within five days. I have never been contacted. On my credit report, it shows the name of a collection company and the name of our former ( horrible/traumatizing ) dentist. I contacted the dentist to resolve the issue but they have been unresponsive.

Despite the fact that I do not owe, and despite disputing the item with the reporting bureaus, the item continues to appear on my reports.

As it is appearing as a derogatory " collection '' it is adversely impacting my credit score. I recently lost my mother ( XX/XX/18 ), we were left with a home in XXXX I'd like to purchase from the estate/siblings, in order to keep it in the family.

I am patiently awaiting PROMPT resolution so the bank can run a credit check for approval of my mortgage loan ( without this erroneous collection appearing ). I am a first time home buyer and am diligent about paying my rightful obligations.

Additionally, I work in XXXX XXXX XXXX and my security clearance is in the process of being renewed. This item is adversely impacting that outcome as well.

Yesterday I provided the dentist with a FSA FEDS claim form that he must certify, verifying a service was provided, along with an email of my request and opportunity to dismiss the trade line without incident ....

I have received no response despite inquiry and a recent call to the office to resolve the matter was met with rude reception yesterday.

I have left messages requesting that XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) call me directly. My requests are being ignored or perhaps the messages are not making it to him. Poor business practices. : ( Please advise.
Product: Credit reporting or other personal consumer reports

The following information which are inquires and employers does not belong to me. 

XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

XX/XX/XXXX, I applied for an Apple Card as they offer 6 % cash back if I purchase something from Apple Store. And my application was approved. 

XX/XX/XXXX, Got a missed call from a Apple Card Specialist. 
My account was restricted and I couldnt use it. I tried to call back, the specialist told me my account is under review and someone will contact me once review completed. 

XX/XX/XXXX, No one contacted me. I called Apple Card customer service again and I got the same answer. My account is still under review for no reason. I missed the 6 % cash back offer. 

XX/XX/XXXX - XXXX XXXX, I have texted and called Apple Card Customer Service more than 20 times. They always gave me the same answer like a robot even hang up my phone sometimes. No one can give me solutions or reason why my account was restricted. I have never seen such ridiculous customer service before.
Product: Debt collection

I recently reviewed my credit report and noticed some unauthorized accounts on there. The XXXX unauthorized accounts were XXXX XXXX XXXX and XXXX XXXX. After contacting both creditors and equifax with no help form neither, I then immediately contacted my local law enforcement to file an identify theft report against the XXXX unauthorized accounts. I then mailed it to XXXX to have it removed and they said that they wo n't.
Product: Credit reporting or other personal consumer reports

I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and may be the result of identity theft or other illegal activities. Attempting to enforce these fraudulent accounts is unlawful. I request that you expedite your investigation to prevent further harm, losses, or damages that I may suffer as a victim of identity theft. 

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of XXXX Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.
Product: Credit reporting or other personal consumer reports

I've been a victim of identity theft and a victim of the XXXX XXXX XXXX. I have noticed some unauthorized accounts on my credit report that I have not benefited from. Also, I have oldstudent loans still showing up, even those that I have made payment arrangements with, that are hurting my scores tremendously. I need these NEGATIVE AND FRAUDULENT accounts removed IMMEDIATELY!
Product: Credit card

I have a CC with an ultra high limit that had not been used in years. One day I made a purchase at the gas station to fill up before a journey across the USA. An hour later I received text messages telling me my account was over the limit. 

I immediately looked at my banking records and confirmed that my card had been skimmed at the gas station based on all the charges all over the place. I immediately called USAA to haltcard and dispute charges. 

Fast forward 2 weeks I get notice from XXXX that my USAA card was over the limit. I immediately called USAA again to ask what is happening : 1. USAA did not put a security hold on my card from 2 weeks earlier as it should have done 2. USAA had made no progress investigating the skimmed card and disputed charges. They claimed not to have a record. 
3. Only after this follow up call 2 weeks later did USAA cancel and block the card. 
3. Now my credit ratio is being dinged and USAA is expecting me to pay for a card that was stolen/skimmed, and used by criminals to exceed the credit limit.
Product: Debt collection

Company keeps harassing me over a debt that was written off over 15 years ago and is not on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2019 I received in the mail my background check documents and it says I was denied access to the Great Lakes facility XXXX mi but I didnt get any explanation too why. I have 1 XXXX   XXXX on my record and its over 10 years old. From my understanding they only hold u accountable for 7 years back on your record I have no other XXXX XXXX on my record i have 1 open operating case which is a XXXX but its not closed I never been convicted.I just need a explanation as to why I got denied I have XXXX   card I have passport Ive passed disa background check so Im able too get into 95 % of the facilities in the country Ive been all over for the pass 10 years this the first time Ive been denied thats why Im confused but Id appreciate it if I could get some answers soon thanks. My name : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

There is information 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. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : I am a victim of Identity these these transactions was not conducted by me as a consumer
Product: Credit card or prepaid card

A number from XXXX, TN. called and said I was being subpoenaed. I had to call an XXXX number with a case number to find out what it was about. They pulled up a file saying I owed {$4000.00} from a credit card I opened in XXXX. I supposedly stopped paying XXXX. I never had credit cards during that time. I called to verify my credit to be sure I really didnt owe anything. It was confirmed this is NOT on my credit report. This is a scam! The bank reported I owed to HSBC which is a bank over seas.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to the 3 Credit Bureaus was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of specific accounts on my credit report, as I am a victim of a data breach. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request that these accounts be removed to protect my credit and identity. 
Accounts to be Blocked and Deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

I applied for a Re-fi cash out with Intercontinental Capital Group located at : XXXX XXXX XXXX, XXXX XXXX XXXX, NY, XXXX XXXX. XXXX. 
With loan officer : XXXX XXXX, his email address is XXXX. 
I was told by Mr. XXXX that I woul qualify for {$220000.00} Re-fi loan. I was asked to pay for an appraisal but I stated that only everything except the value of my property would be the only reason for the banker not approving my loan, he said that there's no other reason why they would reject my loan, I proceeded and paid for the appraisal. 
Note : the home has only a {$67000.00} first mortgage and the property appraised for $ {$770000.00}.

Soon after the appraisal, the underwriter Ms. XXXX XXXX, emails me and ask for my corporation tax forms and told them that New York XXXX XXXX XXXX. It's owned by me and I received a 1099, therefore, why do I have to provide information of the company since it's a separate entity. Of course, they insisted I must provide XXXX & XXXX corporate tax forms. I provided all forms as requested but soon after Ms. XXXX and XXXX email me that the corporation has reported losses, therefore, I wouldn't qualify. 
I feel that a corporation 's losses has no relevance on I qualifying. 
Also, I know, that if that the above mentioned is a valid reson, the why didn't the loan officer know this information that cost me {$700.00} appraisal report.