23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

I, the consumer and the natural person, was denied credit by Bank of America when I applied for a new Auto loan {$120000.00}. 
Adverse action against a consumer is AGAINST THE LAW according to the Equal credit Opportunity Act which is codified in 15 U.S.C 1691c and is pursuant to civil lability under 15 U.S.C 1692k.

You are subject to criminally liability for violating 15 U.S.C 1691 as I was discriminated against by BANK OF AMERICA INC due to the response I received.

BANK OF AMERICA is in the violation of 15 U.S.code 1642.U.S.C 1681m and 12 cfr 1002 because I, the consumer made an application in good faith .but credit was not issued.

Furthermore, because my social security number ( credit card ) was used and I received No benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of BANK OF AMERICA
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this complaint to inform the CFPB, Equifax and XXXX that I am a victim of identity theft. I XXXX XXXX is a consumer pursuant to 12 CFR 1022.3 ( f ). Pursuant to 12 CFR 1022.3 ( g ) the term identifying information means ANY name or number that may be used, alone or in conjunction with any other information, to identify a specific person. Pursuant to 12 CFR 1022.3 ( h ) the term identity theft means a fraud committed or attempted using the identifying information of another person without authority. Equifax and XXXX is a credit reporting agency pursuant to 15 USC 1681a ( f ) and they have used my personal identifying information without consent or authority to do so. pursuant to 15 USC 1681c-2 ( a ) 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 by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report. pursuant to 15 USC 1681b ( 2 ) a consumer any consumer reporting agency may furnish a consumer report under the following circumstances and no other in accordance with the written instructions of the consumer to whom it relates. Fact, pursuant to 12 CFR 1022.3 ( i ) ( 1 ) ( ii ), identity theft report means a report that is a copy of an official, valid report filed by the consumer with a Federal, state, or local law enforcement agency. I am aware and have proof that I am a victim of identity theft. ( proof uploaded ) Equifax and XXXX is in violation of 15 USC 1681b ( 2 ). I never given Equifax and XXXX who is a credit reporting agency written instructions to furnish a consumer report on my behalf. congress mentions in 15 usc 1681 ( 2 ) and ( 3 ) that Equifax and XXXX is a CRA that assumed its roll as congress said they are and elaborate mechanism. Equifax and XXXX has no authority as must abide by federal laws and has assumed a role in containing my personal information without and using it without my consent. I hereby demand Equifax and XXXX to provide me with the documents bearing my signature with the written instructions to furnish a consumer report on my behalf. I am a victim of identity theft and my personal identifying information was used by Equifax and XXXX without authority or consent, to commit fraud and furnish a consumer report on my behalf.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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. 


UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/year> XXXXXXXX XXXX XXXX XX/XX/year>
Product: Debt collection

On XX/XX/2022 and XX/XX/2022 I called the National credit audit CO. And spoke to XXXX XXXX time, she was extremely rude and disrespectful towards me. When I asked for a manager she put me on a hold for 5 minutes and came back and said " no manager is there to talk to me ''. She was mildly rude to me when I was talking about my debt collection. When I asked when will a manager be in she said " I don't know they could be here or they might be on break '' when I called right when they opened. I then had a friend call and ask for a manager to see if she would treat them different and XXXX answered and wouldn't transfer the call to anyone. I have been trying to speak to someone else and she will not transfer me.I have also asked for documentation of my collection and she will not send it, I have also asked for a settlement agreement statement and she refused to send me one in writing.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Have called and asked for a full detailed of my medical on exactly what was i being charge for. Every time asked they would not give the correct information or information that i already paid for for the service at XXXX XXXX hospital.
Product: Debt collection

I called XXXX XXXX XXXX and asked them to stop calling me at work. They asked for my phone number so they could take it off of there list. Well, they stopped calling that particular number. They must have gone on my company 's website and found other numbers and its unclear to me which numbers they are calling now. They asked to verify my employment and gave out the last XXXX digits in my social to my coworker and they told her that it was for a garnishment. It bothers me that the continue to call me at work after I told them they were putting my job in jeopardy by continuing to call. What is even more frustrating is that I have never given the student loan company my work phone number. That means this third party company researched and found my number!
Product: Credit reporting, credit repair services, or other personal consumer reports

I check my credit report and notice some things that does not belong to me.The account listed below aren't mine. I sent in multiple letters to address the issue, they deleted the accounts but it keeps coming back. haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

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

Discover Card Services fails to promptly process and post on account timely cause late fees. Payments are posted 14-16 days beyond the due dates. I make payments 10-15 day in advance of the due dates. I am requesting the Agency investigate Discover Card Services payment process habits. I believe this legally tactic is being use the fraudulent enrich this company by there actions. This is not the first time this has happen, it happened on three other occasion in which payments are not promptly process and posted on the account cause numerous late fees. Discover Card Services fails to promptly process and post on account timely cause late fees. Payments are posted 14-16 days  beyond the due dates. I make payments 10-15 day in advance of the due dates. I am requesting the Agency investigate Discover Card Services payment process habits. I believe this legally tactic is being use the fraudulent enrich this company by there actions. This is not the first time this has happen, it happened on three other occasion in which payments are not promptly process and posted on the account cause numerous late fees. 
We request the Agency investigate the postal marking on the envelops. Request the late fee be removed and credit on our account.
Product: Credit reporting or other personal consumer reports

Dear CFPB Team, I am writing to formally report that I am a victim of identity theft, which has resulted in fraudulent accounts and hard inquiries appearing on my credit reports. These unauthorized activities have caused significant distress and financial complications for me.I have taken steps to address this issue, including filing an identity theft report with the Federal Trade Commission ( FTC ) and placing fraud alerts on my credit file with the major credit reporting agencies ( XXXX, XXXX, and TransUnion ). Additionally, I have contacted the creditors involved and requested the removal of these fraudulent items. Despite these efforts, the items remain on my credit report.I have taken steps to address this issue, including filing an identity theft report with the Federal Trade Commission ( FTC ) and placing fraud alerts on my credit file with the major credit reporting agencies ( XXXX, XXXX, and TransUnion ). Additionally, I have contacted the creditors involved and requested the removal of these fraudulent items. Despite these efforts, the items remain on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my XXXX, XXXX, and XXXX credit report. The credit report showed a credit inquiry by the company that I do not recall authorizing. 

I understand that they shouldnt be allowed to put an inquiry on my file unless I have authorized it. 

Please have this inquiry removed from my credit file. 
I have sent a letter certified mail because I need a prompt response to this issue and I requested that the company forward me documentation that you have had the unauthorized inquiry removed. 

If you find that I am remiss, and you did have my authorization to inquire into my credit report, then please send me proof of this. 

The company redirected me back to CFPB.
Product: Student loan

My loan is in default and a debt collection agency named Conserve took over the account. They added a XXXX wage attachment to my payroll check, and each year my federal and state tax is offset and is applied to the student loan. So far, conserve has collected XXXX, for the defaulted student loan. They agreed to put me in a rehabilitation program by allowing me to make 9 voluntarily payments of {$69.00}. After I made the 9 payments they told me I needed to pay {$91.00} instead. I was perplexed, because they took the payments out of my credit card with my permission and they are receiving {$380.00} a month out of my pay check. So now they have not allowed me to get into the rehabilitation program after they broke our contract. I called Higher Education in XXXX. and they explained that my account is now with the debt collection agency Conserve and they can not help me. Also I borrowed {$16000.00}, of XXXX Loans and paid back {$15000.00}, and Conserve is telling me I still owe them {$19000.00}. How can I owe back {$34000.00} off of a XXXX Loan for {$16000.00}. Please help me with this matter I think I am being over charged and defrauded by the debt collection agency Conserve.
Product: Debt collection

During the week of XX/XX/2018, I had contacted American Express to enroll in a Payment Program in order to be set on a fixed 5 year plan to pay down the balance on each Account I have with American Express. According to American Express, I was authorized, and at that point, I agreed to start with an initial payment ( and subsequent payments per month for the same amounts ) of {$310.00} for the American Express Everyday card and {$30.00} for the American Express Blue Cash card. 

Both payments were collected. A few days later, I contacted American Express and was informed that due to a " System Issue '', I was not enrolled in the Payment Program and that they were attempting to collect, yet more debt ( even though I had already satisfied the first Sequence of payment arrangements due to my assumption that I was enrolled in their Payment Program ).
Product: Credit reporting or other personal consumer reports

Equifax had a data breach between XXXX and XXXX XXXX XXXX Per Equifax 's records my personal information was impacted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently disputed the following accounts with XXXX and requested validated proof of collection accounts or " remove '' from my credit report. XXXX is to make sure or demonstrate that ( something XXXX is true, accurate, or justified. 

XXXX. XXXX XXXX XXXX Account XXXX XXXX. XXXX XXXX Account XXXX I have sent these letters with return receipt attached and have verified that they have received my request for complete removal of these account. They have ignored my dispute requests and instead of make sure this information is 100 % accurate, they have violated the law by continuing to report these accounts as " accurate '' with NO proof. 

I even called on XXXX/XXXX/XXXX and spoke with XXXX male representatives who were completely rude and even told me that the FCRA doesnt require them to get any proof of re-disputed accounts if requested by consumer. XXXX, whom i spoke with first, told me that he didnt care what FCRA laws I was reciting, and he laughed and when I asked to speak with supervisor he hung up on me which prompted a XXXX call. When i called back i reached another agent who at first seemed professional but tried extremely hard to get me off the phone. When I asked why had n't i received any validated proof yet these accounts still remained, he said he didnt have them, but they conducted investigation and all they needed was a response from company stating that information was " correct '' with no valid physical proof. 

I disagree with Experian and how they have conducted my countless disputes to rectify this issue that has caused me and my family such hardship. Experian has displayed such poor procedure and policy to insure maximum accuracy within my credit report yet the law is crystal clear as to there legal obligation to remove such accounts that can not be verified.
Product: Credit reporting or other personal consumer reports

I found accounts on my report that don't belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/21 I contacted Amsher to ask why they reported on my credit on XX/XX/21 a derogatory account. i was refered to another company and the rep stated she was not at able to discuss the account with me. I advised her that I wanted to dispute their reporting and she told me to call the other company. I made the payment with the other company in XXXX and Amsher should NEVER have reported since they were not reporting prior to me making the payment and now two months later they report, this is not correct.
Product: Credit reporting or other personal consumer reports

These are fraudulent inquiries that were done without my consent I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. 
XXXXXXXX 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/year>
Product: Credit reporting or other personal consumer reports

There is an account called XXXX XXXX XXXX that's on my credit reports which I can not identify doing any transaction or business with them
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed I had several inaccuracies on my account. Please remove this account from my report. It is hurting my ability to obtain credit. It is to my understanding that you will investigate these items for me to ensure accuracy. 

Here is the item I am asking you to verify as accurate. 

XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, PA XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX RE : REMOVE UNAUTHORIZED INQUIRIES Dear Equifax, I pulled my 3 credit reports and scores today on XX/XX/XXXX. My report shows some inaccurate information that I did not authorize. Im referring to the inquiries listed that I did not authorize or provide consent. Im not aware or familiar with any of these listed creditors. 

I did NOT authorize the following inquiries listed below. None of these creditors obtained my consent and these reporting inquiries appear to be a violation of my FCRA rights. 

Below are the results of inaccurate reporting of my information. Please delete immediately. 
XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Please remove these unauthorized inquiries IMMEDIATELY and send me an updated copy of my credit report. 

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

To whom it may concern : My name is XXXX XXXX XXXX and I am reaching out to complain on TransUnion for their not of response and reporting. I have done everything and followed every step on removing false accounts that are reporting and still have not heard anything. It has passed the 30 days multiple times and at this point, and nothing has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several certified letters, that are dated, that have everything listed in detail, that have everything required and they still done anything to remove them. I am very frustrated at the point and need to get these accounts removed as soon as possible. 

The dates below are some when I have sent out : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY RECEIVED THE LETTERS.
Product: Credit reporting, credit repair services, or other personal consumer reports

In the XXXX of XXXX I consolidated my defaulted student loans and successfully rehabilitated them. It has come to my attention that University Account Services re-aged a portion ( XXXX XXXX XXXX ) that had been placed with them by XXXX. The fraudulently re-aged loan information was then submitted to XXXX XXXX and upon closing out my loan they reported several years of delinquency ( XXXX ). The date of first delinquency on my student loans was in XXXX of XXXX. I contested the information with all three credit reporting agencies. XXXX has refused to verify the date of first delinquency, but did inform me that they received the fraudulent information from University Accounting Services. I've filed a separate complaint against XXXX. I've consulted a consumer protection attorney and will file suit if this information is not corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX won't begin my boost they won't they say I'm deceased they will not add my power bill normally or my pay my phone or nothing else so I don't get my boost and I'm trying to fix my credit and XXXX XXXX  won't let XXXX XXXX go on XXXX to show that I pay all my bills so yeah that's really bad because I've made money for XXXX and they just said I'm deceased they just keep saying on deceased and won't barely give me a credit score at all and XXXX won't even do it either they saying I'm deceased and I'm not I'm XXXX on social security and I've been paying on my credit cards for 4 months with XXXX and XXXX and XXXX and they won't let me add that they won't let me add my rent they won't let me add my XXXX XXXX XXXX my cell phone bill so I can't never get a boost and I've been trying for over a year they won't do it and then everything else that's on my credit report is way over 10 years they supposed to knock that stuff off they won't do it they can ripping people off they just ripping people off all the companies are we're tired of getting ripped off I know I'm trying to get my credit score up and it I even went to credit school credit score on XXXX and I know what to do they will not help and they're just taking my money
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX has a negative account reporting on my credit report, per the XXXX XXXX XXXX XXXX is not authorized to report in the boundaries of my state of North Carolina and the documentation is attached as well as I have sent National credit systems a letter requesting debt validation back on XX/XX/2023 and they just like the credit agencies have failed to verify the method of verification of all disputes as requested as well as XXXX XXXX XXXX has failed to validate the debt. 

XXXX, Transunion and XXXX are in violation of US USC 1681i ( 6 ) ( b ) ( iii ) and 15 usc 1681i ( 7 ) not providing the method of verification is a willful neglect of non-compliance of 15 USC 1681N. I have requested the method of verification several times from these agencies and they only reopen the investigation and send back a verified generic message. the companies have caused credit defamation by reporting thee inaccurate accounts and have failed to perform their due diligence to ensure they are reporting accurate information, had they performed their research they would of known national credit systems is not authorized in the state of NC to collect a debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to delete these erroneous items. I think you have not validatedthese items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legalaction against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

Gradated undergrad in 2007, into the recession. Could not find a stable good paying job to keep up with my private loans. My private loans where sold to XXXX in which XXXX sold them to another collection agency. I was contacted by ERC in an attempt to collect the debt, and they wanted to settle for what was the balance of my all my private loans at XXXX. I agree and borrowed more money to pay the debt that was agreed for XXXX, but ERC Lied and allocated the funds to other accounts that were NOT discussed and changed the parameters of the settlement without notifying me prior. It was only after I had paid them, that they sent a cryptic letter saying what account the funds had really been allocated too, thus furthering ruining my credit score and lying. IS THIS LEGAL.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance XXXX : {$0.00} XXXX XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX