23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX  Account # XXXX, has violated my rights. 15 U.S.C. 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 
I have tried to resolve this issue with XXXX, EQUIFAX and XXXX on XX/XX/2023 but have gotten nowhere. I even sent in proof that this account is reporting inaccurately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I retrieved my credit report and noted that Accelerated Receivables MG ( reflected as XXXX XXXX on credit reports ) had inserted 4 derogatory accounts on my credit report. This company never sent any correspondence to me that would have informed me of any alleged debt they were attempting to collect. Further, by not receiving any correspondence from them, did not allow me to dispute the validity of their claim. to that end, I submitted a dispute to XXXX XXXX ( although the company was truly Accelerated Receivables ), the address reflected was to Accelerated Receivables. This too is a violation. If they are attempting to collect on a debt, then their name should have been listed and not the alleged original creditor. Accelerated Receivables never responded. So I then sent a copy of the certified letter with return receipt to XXXX to verify that the company did not respond to my dispute letter and the entries should be deleted. The entries were deleted from XXXX. 

On XX/XX/XXXX, I again retrieved a copy of my report an found that Accelerated Receivables had reported these same 4 derogatory accounts, that do not belong to me, on my XXXX   report. I disputed with XXXX but to no avail. XXXX responded well after 30 days only to state the accounts were verified. I submitted a response to their findings by inquiring as to how they were able to get a response from Accelerated and my efforts were not successful as the company just blatantly disregarded my dispute. I then escalated this dispute to the CFPB against XXXX and at XXXX ( as it appeared on my credit report ). It took XXXX over 60 days to respond to the CFPB only to state that they would send a letter with the results from the investigation to me. Again, I received the same letter whereby XXXX stated the accounts were mine. 

I then sent Accelerated Receivables another letter ( second attempt ) dated XX/XX/XXXX whereby I once again requested that they provide validation of these entries belonging to me. This letter was sent certified with a return receipt and to date, I have not received any correspondence from this company. Additionally, I requested that they provide a copy of the financial responsibility page for the accounts they are alleging I owe. Again, to no avail. This company is outright violating and continuing to violate my rights by reporting these inaccurate entries. These account entries DO NOT BELONG TO ME AND SHOULD BE DELETED FROM MY REPORT IMMEDIATELY! BOTH XXXX & ACCELERATED RECEIVABLES ARE IN VIOLATION OF THE LAW!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and Bank of America continue to list me as having an active Bank of America account, which is actually in my ex-spouse 's name. I have twice filed a dispute with XXXX  and Bank of America, and Bank of America rejected my first dispute out of hand ( XXXX ) and the second is pending ( XXXX ), though I expect another rejection. I have been divorced from my ex-spouse since XXXX of XXXX and have not had any knowledge of, or access to, this Bank of America account. I offered to send proof of divorce or other supporting documentation to Experian and BofA, and BofA merely denied the dispute with no reason. When I contacted Bank of America directly ( which, by the way, is impossible if you don't have an account -- there's some irony for you ) I was told I don't have any accounts with them, and I'm not listed on my ex-spouse 's accounts as an authorized user. I have asked y ex to confirm that I'm not on any of his accounts, and he has confirmed that. My credit score has been negatively affected by purchases my ex has made on this account, and I can't challenge it because BofA erroneously refuse to remove this account from my report.
Product: Debt collection

This line of service was opened without my consent. The account is fraudulent and I am not responsible for the charges.
Product: Credit reporting or other personal consumer reports

For my Kohls/Capital One XXXX, I never received a true/certified copy of the original application for credit showing the wet ink signatures authorizing and binding myself and Kohl's/ Capital One. I have no records of signing with my wet signature to authorize the account.

I never received the true invoices signed under penalty of perjury confirming that Kohl's/ Capital One provided their own assets and that the alleged debts are valid. According to 12 USC 83 banks are prohibited from loaning their own assets i.e. shares of stock.

Finally, I never received the accounting statements from Kohl's/ Capital One related to the account i.e. 1099 0ID, 1096, INC, PRC and 1099.

On top of that various laws have been violated. For example, as per 15 USC 1681 Section 604 A Section 2 a consumer reporting agency can not furnish an account without my written consent. I never provided my written consent/ instructions. According to 15 USC 1681 c. ( a ) ( 5 ) no consumer reporting agency may make any consumer report containing any of the following pieces of information any other adverse items of information other than records of convictions of crime which antedates the report by more than seven years.

According to 15 USC 1681 s-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

I provided the information requested by Wells Fargo on XX/XX/year>, once I received their letter on XX/XX/year> dated XX/XX/year>. I never received the letter dated XX/XX/year>. 

In a letter dated XX/XX/year> and received today, XX/XX/year>, I was informed that my information was rejected because the address and the Tax ID did not match Wells Fargo 's expectations. 

I was not provided any information about how the address and the Tax ID did not match Wells Fargo 's expectations. Nor have I been given an opportunity to explain why/how the address/Tax ID could be different from Wells Fargo 's expectations XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida, [ XXXX ] XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Dear XXXX, Ive looked at my report back in XXXX, and noticed some things are incomplete and inaccurate. I sent a letter to XXXX XXXX and Experian via CFPB and asked them to investigate the completeness and accuracy. I received the results and noticed they did not fix everything Ive demanded. 

They are committing Federal law violations According to 15 USC 1681e ( b ) it states this ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

Ive then asked them to provide me a description of the investigation according to 15 USC 16811 ( 7 ) : ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in the individual about whom the report relates. 

Ive then asked them to provide me a description of the investigation according to 15 USC 16811 ( 7 ) : ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( XXXX ) ( B ) ( XXXX ) by not later than 15 days after receiving a request from the consumer for that description. 

Yet they failed to do that as well either. 
They are also violating these laws as well below : According to 15 USC 1681s-2 it states this. 
( A ) Reporting information with actual knowledge of errors 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 
This is unfair and if they are doing this to me imagine who else they are doing this too. May you please adhere to my demands and requests. 

Delete these inquiries listed below immediately because of violation of 15 USC 1681s-2 ( a ) & ( b ), 15 USC 1681 ( 5 ) ( A ) ( i ) & ( ii ), and 15 USC 1681e ( b ). 

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

I am writing this letter due to what I believe to be misleading and perhaps fraudulent behavior of Bank of America against the consumer regarding interest rates on balance transfers. I opened a Bank of America credit card XX/XX/XXXX years ago because I was offered a promotional rate of 0 % interest on all charges until XXXX XXXX. I also took advantage of repeated 0 % promotional interest rates for balance transfers. In XXXX XXXX I transferred balances equaling {$3900.00}. As of my statement for XX/XX/XXXX- XX/XX/XXXX my balance were as follows {$1900.00}. XXXX purchases promotional rate until XXXX XXXX, balance transfer {$1500.00} promotional rate until XXXX XXXX, balance transfer XXXX promotional rate until XXXX XXXX. By my statement for XX/XX/XXXX- XX/XX/XXXX, it indicates that I had paid off all of my balance transfers. I received additional balance transfer offers which would not generate interest until XXXX XXXX so XX/XX/XXXX, I transferred {$5600.00} as indicated on my statement dated XX/XX/XXXX-XX/XX/XXXX. I later transferred additional money for a promotion lasting until XX/XX/XXXX. Therefore, I was shocked XX/XX/XXXX. when I started paying interest on my whole balance. I called and asked about my promotional rates on balance transfers, they said all of the balance transfers had been paid. When I did my balance transfers with them, I asked would there be something XXXX that would prevent me actually seeing the no interest rate promotions until XX/XX/XXXX and XX/XX/XXXX and was told no. The statements say that payments are allocated, " If your account has balances with different APRs, we will allocate the amount of your payment equal to the Total Minimal Payment Due to the lowest APR balances first ( including transactions made after this statement. ) Payments in excess of your Total Minimum Payment will be applied to balances with higher APRs before balances with lower APRs. '' While, I paid some {$9000.00} on my credit card for the year, I thought I was making payments both on my purchases and on balance transfers. However, somehow BofA only applied my payments to my balance transfers exclusively at first so that I would not be able to take advantage of the promotion interest rate on the balance transfers which is what lured me into making the balance transfers. This is not explained on the statement, was n't told to me verbally when I asked and I do n't see such info on the tons of offers they keep sending me. This is slight of hand for the consumer. 
I hope you can help protect consumers like myself from such financial chicanery and shame on Bank of America, a name with such a long legacy, in whom we should be able to trust.
Product: Credit reporting or other personal consumer reports

Have contacted all 3 credit reporting agencies via online dispute system, numerous letters, and phone calls to remove Santander Consumer USA data from all 3 reports. All 3 agencies are reporting different information regarding the account. Payment arrangement was set up with Santander in XXXX and within two weeks of payment arrangement, account was transferred to Collection agency XXXX XXXX XXXX XXXX XXXX  ) which agreed to remove negative Santander Consumer reporting from all XXXX reports, once balanced is paid in full. 

I was advised they would report to Santander to remove the negative item in full from my reports because they would have settled the account. Once the payment was received, within 30 days Santander Consumer USA would no longer be on any of my credit reports. Payment of {$2300.00} was paid via debit card on XXXX XX/XX/XXXX and the negative reporting is still showing on all 3 reports from Santander with a balance of {$15000.00} since XXXX. 

This information is inaccurate, outdated, and deems are unfair reporting practices. I have disputed this line item several times with the credit bureaus and each time it comes back with item remains with explanation. 

This adverse reporting is affecting my overall score.
Product: Prepaid card

I received an Amex XXXX Card physically. On the provided website AmexGiftCard.con/Balance I clicked the link to validate and print the card, which loads XXXX XXXX XXXX  # /account and shows a balance. I attempt to use this on XXXX ( using the full value of the card ). And the transaction is declined. Instead, the transaction failed and I was charged XXXX cents by XXXX. This failure occurred 2 more times. 

Many people have reported having this problem starting this past year.
Product: Checking or savings account

I have a couple of refunds from Merchants that arent able to get access to my closed account and credit card from TD Bank. I have contacted TD Bank, regarding the refunds status. TD Bank doesnt want to provide me the necessary channels to get a refund. TD Bank didnt reverse a charge from a Merchant, on an item that was returned to them. TD Bank didnt have any right to have the charge remain on my bank account and credit card. I wanted that charge to be credited back to my credit card from XXXX, on XX/XX/2022 in the amount of {$16.00}. Also, from other Merchants as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XXXX or XXXX the unemployment agency in florida sent me a letter stating they had accidentally used all of my information name, date of birth and social security number on an example to the public .so I called all the credit reporting agencies and asked them to put a fraud alert on my account in XXXX I called all three reporting agencies and asked them to remove the fraud alert, they did not do it and it has ruined my life .I have wrote all three agencies over 30 times called over a 100 times, made numorus reports with your Agency and still over 11 years later they still have not taken off the alert, and i have not been able to purchase a home I had to pay extra interest the highest amount to purchase a car which I never was late one time with a payment. Lost jobs, could not get an apartment .because they can not see my credit i have a score of XXXX after paying a car for three and a half years and never being late not one time. I have done everything to get this fraud alert off my credit and they refuse to remove it please help me thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

DO NOT CLOSE THIS NEW COMPLAINT. 
I HAVE VERIFIED MY IDENTITY WITH THE ATTACHED ID, SSN CARD AND BANK STATEMENT. 
PLEASE REVIEW ALL ATTACHED DOCUMENTS IN ITS ENTIRETY.
Product: Credit reporting or other personal consumer reports

XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX XXXX Account number XXXX XXXXXXXX XXXX  XXXX Account number XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

[ Identify item ( s ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 
Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 
A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX Enclosures : Identity Theft Report Proof of identity : [ a copy of my drivers license/other government-issued identification card/other ] Copy of Credit Report
Product: Credit reporting or other personal consumer reports

There are a series of inaccuracies on my consumer report from all the collection accounts open dates and close dates amount in which dept is owed, current employer and laws that are broken by these collection agencys when it come disclosures.
Product: Credit reporting, credit repair services, or other personal consumer reports

Have contacted these companies and they have failed to provide me with contracts with signatures both mine and theirs proving I dont have a contract with them so the following accounts must be deleted and removed from my credit report. Acct # XXXX acct # XXXX acct # XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did pay synchrony bank & Walmart XXXX XXXX XXXX  company I did pay them off they keep going hit my credit score
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 federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

This is a complaint I am submitting to you today to inform you that I have been a victim of identity theft. Per FCRA section 605b you are required to remove any items listed on an ID THEFT REPORT # XXXX. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. Please remove the following fraudulent items : XXXX XXXX XXXX XXXX, XXXX, I XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX CV XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$4300.00} XXXX XXXX XXXX XXX Opened XXXX XXXX, XXXX Balance {$110.00} XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX XXXXquiry : XXXX XXXX, XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX PXXXX XXXX  XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX. According to FCRA Section 605B ( a ), the Credit Bureaus shall block any information in the file of a consumer that the consumer identifies as information that resulted from the identity theft, not later than 4 business days after the date of receipt. With the rampant issue of identity theft spreading across the country, I was not spared from the identity theft 's cruelty thus leading to me being an unfortunate victim. Please remove the disputed items off of my Credit File.
Product: Vehicle loan or lease

Wells Fargo Bank kept charging late fees on car and personal loan. They actually and admitted to takingpayment in drive through window. Never applying payment ... found money order in draw six months later. They have also applied payments late that were received on time through mail. Never applied a cash payment made through window at XXXX New York Branch. Applied payments to wrong account. After this they repossessed car even though I tried to fix what had been done. Asked for loan modification for six months. Not sure if they set up phony accounts they will not help me.
Had to file for bankruptcy because of above. I kept trying to avoid late payments by direct mail or going through drive through it never seemed to work.
Product: Debt collection

I pulled my annual credit report from in XXXX of XXXX. I noticed a debt in the name of Fair Collections and Outsourcing listing an account for a previous apartment complex that I used to live in by the name of XXXX XXXX XXXX. I instantly knew the figures listed were inaccurate and the information being reported on my credit report from this account were inaccurate. I contacted them by phone in that same week and requested to have something mailed to me to validate the debt. Nothing was ever received at this point I went ahead and had a third party company XXXX XXXX XXXX dispute the debt on my behalf on XX/XX/XXXX. It was then deleted from my XXXX credit report but nothing was done for XXXX or XXXX. At this point I am still waiting to receive something showing validity of the debt. Back on XX/XX/XXXX I filed another dispute this time directly with XXXX and they claimed it was verified but again nothing was sent to me in writing. This mark on my credit has caused me anxiety and anguish and I have even been rejected additional credit because of this unverified account. Why are they not willing to furnish the proof of this debt?
Product: Debt collection

On XX/XX/2022 after doing an annual credit check I found charges of {$1900.00} from XXXXXXXX XXXX. I disputed this with Experian and they validated the debt. I don't know how. I never had an account with XXXX XXXX ever.