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

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT INQUIRIES REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDIT BUREAUS HAVE NOT REMOVED FRAUD INQUIRIES 4inquiries These lenders have accessed your credit file : XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX ALL COMPANIES ARE IN VIOLATION OF LAW!!!! " FAIR CARES ACT ''!! 


PERSONAL NOTE '' THIS FRAUD ACCOUNT BEING ON MY CONSUMERS REPORT IS HOLDING ME BACK FROM EVOLVING AS A CITIZEN IAM NOT ABLE TO OBTAIN A HOME OR APARTMENT A GOOD PAYING JOB OR EVEN A LOAN OR CREDIT CARD! I DEMAND AS A FEDERALLY PROTECTED CONSUMER THAT THE CREDIT BUREAUS AND ALL COMPANIES INVOLVED REMOVE FRAUDULENT ACCOUNT OFF MY CREDIT REPORT AND CONSUMERS REPORT NOW PERMANENTLY! 

I HAVE ALREADY DISPUTE THIS FRAUD ACCOUNT EVEN BEFORE THIS IN XXXX. I HAVE MADE AN IDENTITY THEFT CLAIM IN XXXX AS WELL THIS FRAUD ACCOUNT SHOULD HAVE BEEN REMOVED WITH IN 4 DAYS OF RECIEPT OF COMPLAINT!! ALL COMPANIES INVOLVED IS NOW IN VIOLATION OF THE LAW " FAIR CARES ACT '' RESPONSE DISPUTE!!!!!!!!! 15 U.S. C ode 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 results from an alleged identity theft Shall be removed from the consumers report 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 identit theft!! Please delete these items as soon as possible! These accounts should not be furnished on my consumer report as they are in VIOLATION! Under, 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 und 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 federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

This agency is in violation of 15 U.S.C. 1692g. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report.Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company. I will also be seeking litigation and {$1000.00} per violation. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( XXXX XXXX XXXX XXXX ), you may be liable for your willful non-compliance. 
I demand that these accounts be deleted immediately or I will file litigation.
Product: Checking or savings account

My debit card number is XXXX XXXX XXXX XXXX. Chase has restricted my account for over one month and promised to send me the checks for the remaining balance, but it is nowhere to be found. When I called them, some said that the checks had been mailed out some said it hasn't, so I am confused about whether the checks have already been mailed out since I didn't receive any official notification from Chase.
Product: Credit reporting

My name has never been XXXX XXXX and there are addresses that are not mine
Product: Credit reporting or other personal consumer reports

I am writing to formally request that the accounts listed below be blocked and deleted from my credit report, as I am a victim of a data breach. These accounts are fraudulent and unauthorized. As such, I am requesting they be blocked pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ).

Fraudulent Accounts : 1. Creditor Name : XXXX  XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$00.00} 2. Creditor Name : DEPTEDXXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$480.00} XXXX. Creditor Name : DEPTEDXXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$3700.00} XXXX. Creditor Name : DEPTEDXXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$10000.00} XXXX. Creditor Name : DEPTEDXXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$4300.00} XXXX. Creditor Name : DEPTEDXXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$1500.00} 7. Creditor Name : EXTRA o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$00.00} XXXX. Creditor Name : XXXX XXXX  o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$18000.00} 9. Creditor Name : XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$480.00}
Product: Debt collection

I keep getting calls and letters trying to get me to negotiate a debt Ive never contracted with them ( Cap Stone Credit & Collections, LLC ) NOR that they've never verified was mines. It's very embarrassing and upsettings to keep getting harassed about this.
Product: Debt collection

AVANT IS DAMAGING MY CREDIT FOR AN ALLEGED DEBT WITHOUT LAWFUL VERIFICATION. I HAVE ASKED THEM TO VERIFY THE ALLEGED DEBT WITH THE ORIGINAL WET INK SIGNATURE OR DELETE THE FRAUD! THEY HAVE SOLD THE ALLEGED DEBT BUT STILL CONTINUE TO DESTROY MY CREDIT WITHOUT THE LAWFUL REQUIREMENTS!! THAT IS FRAUD!! PRODUCE THE ORIGINAL WET INK CONTRACT OR DELETE ACCORDING TO THE FAIR CREDIT REPORTING ACT. THAT IS THE LAW. AVANT HAS SOLD THIS ALLEGED DEBT AND ARE STILL REPORTING THE ACCOUNT WHICH IS ILLEGAL. DELETE THIS FRAUD FROM MY XXXX, XXXX, AND XXXX ACCOUNT IMMEDIATELY. THIS IS FRAUD!!!
Product: Credit card or prepaid card

My complaint is against Bank of America credit card department. I have tried multiple times to set auto pay and was told it was set. I have everything set this way and it is an easy thing to do for peace of mind. The app does not allow you to set auto pay. I am not sure why cause who would not want to make it easy for the consumer to give you money, and an app should allow you to make payments and check balances, but theirs does not. I have called to complain and was told via phone several months ago that my auto pay was set. I usually go in on my app and make extra payments and future payments too. So I never noticed that the auto pay is not set as I had thought. I was shocked to find a notification today that I am 5 days late. Why they tell you five days later who knows but I made the payment and noticed I was charged {$29.00} fee. I called to ask the fee to be waived and a one time forgiveness, and once again assistance to set up auto pay. It took me at least an hour because you have to go online desktop only to set and they told me the passcode is the same but it wasn't. So once again I have to call for assistance just to login. It should not be hard to make a payment. I am set for auto pay and extra payments to ensure it will not happen again and ask BOA to please waive fees and late pay history for this one time.
Product: Checking or savings account

XX/XX/XXXX I was phished for a Chase Quick Pay scam. The seller coaxed me into sending him a partial payment for a product he was going to deliver to my address. I agreed to use Chase Quick Pay as it was a product that was integrated into my banking app, making me believe it was a secure platform that would allow for disputes in the case of fraud or services not rendered. Throughout the course of the transaction, I was never once prompted with a disclaimer that there was no fraud protection on their platform, additionally, I was never prompted that this was a third party platform not connected to Chase, even though it was part of my Chase banking app! I have been a customer of Chase for over 10 years, and can't recall receiving any detailed information from them regarding the safety of the Chase Quick Pay platform and its vulnerabilities to fraud. On XX/XX/2020, I Chase Quick Pay the seller {$120.00}, and contact from them stopped. They were never able to provide me with a tracking number, and have since stopped responding to any of my communications. When I spoke with a Chase representative at my local branch, I was told there is absolutely nothing they can do, and that there is no fraud protection associated with Chase Quick Pay. They noted that in the fine print it says to double-check the recipient you are sending too, but that is really all they could advise.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax announced that there was a breach of over 143M consumer names drivers licesnese social security numbers date of birth and other very critical information. Equifax has information with respect to who is impacted by the Breach but require a consumer to waive legal rights in order to obtain that information. 

Time is of the essence to find out but if you use equifax to tell you they will require you to waive certain legal rights including rights to Class Action Lawsuits. 

I request the company provide via all means possible immediate and unrestrictied notification of the breach and the natture of the breach as well as offer on an unrestricted basis any and all protections for credit in that situation without constraint and without the cute little notice that provided for free but then converts automatically to a paid account. 

The head of the CFPB should be in direct contact with Equifax and tell them that all operating authorit will be withdrawn until they are in compliance
Product: Credit card or prepaid card

I have an account with XXXX 's Credit and they did not send me a bill. 

It is sent to Wells Fargo Bank N.A. when I write a check. 

My first purchase was on XX/XX/2020 when I opened the account for {$750.00}. 

I paid the amount in full onXX/XX/2020 in the form of a check. 

I only receive paper statements from companies so that I can guarantee their honesty. 

In XXXX I made another purchase for {$610.00} for which I never received a bill. 

When I went on-line to make a purchase in XXXX I was refused. I then went into my account with XXXX 's website and was denied access. So, I called the phone number on the back of the card and spoke with a rude representative who accused me of not paying my bill. I explained that I never received a bill or e-mail or phone call related to it. 

Why would they not contact me for 2 months? 

The representative told me I had switched to e-statements only. I told him I would never do that. I also informed him that if I were receiving e-statements then why did I not receive a notice via e-mail of a payment due. He had no answer. He also did not verify my e-mail address. 

Wells Fargo just took {$610.00} from my Debit Card as payoff. Resolved? after I threatened to sue which would become a class-action lawsuit eventually. Wells Fargo obviously does not want any more negative publicity.
Product: Credit reporting or other personal consumer reports

I would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get products, services, or money. Please remove the following items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Got a civil summons they never contacted me or sent mail I get a summons with a paper saying I owe debt and it dont even include my signature it just has my name in a piece of paper also get phone calls and when I say mail me info they refuse to mail it to me
Product: Credit reporting, credit repair services, or other personal consumer reports

I am having a serious problem with XXXX XXXX every time I send a dispute out regarding accuracy of account they retaliate and put a charge off on my account for that month of the dispute they put one on my account for the month of XX/XX/XXXX and another charger off for the month of XX/XX/XXXX this  account has been closed for three years. I do have a small balance on the account and they keep updating with a charge of ding. This charger off update reflect on my credit as an actual charge off currently for that month not the original charge off and closing date which was three years ago this is seriously affecting my credit. I believe they are in violation of FCR rule 609 and 623. They are update my account with a " Charge off '' and it reports as a Recent Charge off this is NOT ACCURATE AND VERY MISLEADING on my credit report. XXXX is using the right to update clause to report negative and inaccurate Charge off dates monthly as RETALIATION for my disputes. First they added a negative remark " Bad Credit '' and then a " Fail to Pay '' and " Charge Off ''. My Acct. was close XX/XX/XXXX. i am paying off my debt with XXXX debt regularly directly to them. My balance is {$250.00}. Which will be paid off soon.I wish to file a complaint regarding accuracy of the Charge off date reporting on my credit report and the RETALIATORY effort by XXXX XXXX to purposefully XXXX character through negative reporting to the credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reported that all of my child support has been paid in full and that debt has been satisfied. XXXX Transunion and XXXX is still reflecting old information and they are refusing to let me dispute the information. THESE ACCOUNTS ARE PAID IN FULL AND SETTLED
Product: Credit reporting or other personal consumer reports

My Personal Identifying information was used to obtain goods, services, or money without my knowledge or authorization.According to FCRA Section 605B it is illegal to report inaccurate information on my credit report without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$15000.00} I have no knowledge nor did i give authorization to this company.
Product: Bank account or service

Hi I have been banking with BankOfAmerica for the last 6 years and recently opened a new savings account last week Saturday over the phone with a banker. The banker requested my debit card number so she could make the initial {$25.00} deposit to open my account and the banker debited from my account twice which I have attached proof. I alerted her to the XXXX transactions and was told that it 's not processing on her end but it may show up in about 3 business days so I was told to wait until Wednesday which would of been the third business day until the transaction was processed and if not to call back in, we then went through the online e-banking process and she helped me to set up an online account. Tuesday of the following week I transferred {$250.00} to bring my account to a XXXX minimum so the {$5.00} monthly fee would be waved, by Wednesday I signed into my other checking account which was used to debit the XXXX charges of {$25.00} each and I noticed my account was credited {$50.00} back so I called my bank and was told that either BankOfAmerica cancelled, rejected or their could of have been a merchant error in processing the XXXX fees and bankofamerica did not receive any money. I then decided to transfer back XXXX from my bank to bankofamerica so I could bring my account to an even {$300.00}. A while later I checked my account to see if the money was received and while trying to login I was given an error message and a number to call. I called and reached a very rude and inconsiderate account risk customer representative and was told my account was closed and there is nothing I can do about it. I asked why and was told BOFA had the right to close my account without my permission and I am BANNED from life from ever opening an account with BOFA, it was a business choice and I am welcome to bank with another bank but it 's a business decision that we no longer want you to bank with us. I was appalled, shocked and hurt. I have been banking with you guys for the last 6 years because you guys are the closest branch to where I live. I went to the bank later that day and was told they could do nothing for me and my money would be sent out in a check to my home, at this point I do n't know who to reach at this point and everyone has continuously transferred me to the account risk department to be told the same thing but no one as actually cared or concerned themselves to help me resolve an issue and at this point no one is giving me a chance and I 'm just being kicked out of BankOfAmerica and forced to open up an account with a new bank. I would really appreciate any help please.
Product: Credit reporting, credit repair services, or other personal consumer reports

I placed a dispute with the Experian regarding an XXXX/XXXX XXXXXXXX showing as not paid in full. Experian refuses to update and validate this information. This account has been paid in full as of XXXX XXXX, XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a XXXX XXXX XXXX XXXX, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Product: Prepaid card

I received an American Express gift card for {$50.00} for XXXX 2024. Despite confirming the active status of the card and the available balance of {$50.00}, I am unable to use this card in stores where AMEX is accepted as advertised. I am also unable to add the gift card funds to my XXXX, XXXX XXXX or XXXX XXXX, despite AMEX advertising this. Their customer support directs me to reach out to the retailers in question for instructions, but they direct me back to AMEX, so I am currently out of the {$50.00} entirely.
Product: Credit card or prepaid card

XX/XX/XXXX informed recent payments too low XX/XX/XXXX informed recent payments too low balance too high XX/XX/XXXX credit report too many inquiries XX/XX/XXXX Recent use of this account 's existing credit line has been too low XX/XX/XXXX Recent use of this account 's existing credit line has been too low
Product: Debt collection

" XXXX '', XXXX XXXX XXXX has contacted myself along with my father and my step-mother 's father ( on XX/XX/2018 ) with a voicemail containing false and misleading information. I have audio recording of the voicemail, including the agent stating their company name as " XXXX '' instead of the full company name. Agent, XXXX XXXX, proceeded to state legal action was going to be taken against me if there is no response. When contacting the agent on XX/XX/2018, the agent never stated the Mini-Miranda warning. Agent threatened to terminate call without resolve when I brought this up. Agent transferred me to a manager. Manager did stated the Mini-Miranda. Manager transferred me to the payment processor, and I signed a document listing the series of payments. No where on this document states I can not cancel this series of post dated payments. I contacted the company XX/XX/2018. Agent on the phone did not state the Mini-Miranda. Agent stated that I signed a contract of these series of payments and at first stated they can not be cancelled. Agent then stated payments will be cancelled and this will be sent back to the client, did not state who the client is, to be sent to another agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 5th 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( Original Creditor : ) XXXX Balance : {$590.00}
Product: Checking or savings account

I previously submitted a complaint with you against " XXXX ''. They run a money laundering bait and switch and multi fake name company scam. They put charges against your account just to see if your bank will pay it and defraud you. I dont allow any non PIN purchases and didn't knowingly authorize multiple identities and duplicate charges. My bank is a scam. They still avoid paying for stealing money from my account at XXXX and internally. Stalking me. 

" XXXX XXXX '' a different company again already refunded it when questioned. My bank needs to be closed for criminally insane XXXX XXXXXXXX carriers in their operations. XXXX XXXX XXXX XXXX XXXX is a habitual criminal.
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 
So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 


This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them List all accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX