23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I was notified by Skrill that they needed information of how I would use my account. I promptly responded. They " escalated '' the case but have not given me any updates since my response on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM  and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Please see attached file for these items I am complaining.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. Thank you. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

I applied for the Bank of America Small Business Checking Account on XX/XX/XXXX. They had a promotion going on ( Promo code XXXX ) where if you deposited {$1000.00} or more within the first 60 days of account opening, that they would award a {$200.00} bonus. The exact wording of the promotion was " You must : ( 1 ) be approved for and open a new Bank of America Business Fundamentals Checking or Business Advantage Checking account online by XX/XX/XXXX '' I applied on XX/XX/XXXX and received an email confirming my account approval that day ( XX/XX/XXXX at XXXX XXXX  ). This falls in the time frame of the bonus. I have screenshots of all of these things. I met the {$1000.00} deposit requirement on XX/XX/XXXX but wasn't awarded my bonus. I called Bank of America on XX/XX/XXXX and they said I wasn't awarded the bonus because my account wasn't " technically open '' until XX/XX/XXXX. The bonus requirements state that I have to apply and be approved by XX/XX/XXXX. As mentioned earlier, I received my approval email on the afternoon of XX/XX/XXXX.
Product: Debt collection

Received collection notice from NPAS concerning debt currently in open complaint with the XXXX for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. NPAS stated they conducted their own investigation apart from XXXX and that the balance is accurate and is [ my ] responsibility. I am currently sending certified mail to original XXXX XXXX XXXX ( original creditor ) and NPAS ( collection agency ) to await solution from XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is regarding an old installment loan with  XXXX   XXXX . The account was turned over to a collection agency  XXXX   XXXX  which is reporting negatively on my credit reports.  XXXX  is not bonded in the  State of Texas to pursue collections. I entered the name and address on the Secretary of State website for debt collectors and was unsuccessful at locating a bond for this agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I am writing to update / correct my personal information on file with your company. Please update my address to : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/1983 I do not wish to have any telephone numbers on my report. Below are negative account / accounts impacting my credit. XXXX XXXX XXXX XXXX {$3100.00} XXXX XXXX XXXX {$3600.00}. XXXX XXXX XXXX {$2400.00}. XXXX XXXXXXXX XXXX XXXX XXXXXXXX {$850.00}. XXXX XXXX {$4700.00} XXXX XXXX XXXX XXXX {$2700.00}. XXXX XXXX XXXX XXXX {$2600.00} XXXX XXXX XXXX XXXX {$370.00} XXXX XXXX XXXX {$2800.00}
Product: Debt collection

In the past week, I have received the same call four times. It is a robocall stating that it is for XXXX XXXX. The first time I simply hung up. The subsequent times, I dialed 0 to speak to someone. First time it was a woman, second and third times it was a man. None ever gave their name, all were rude. The final man, XX/XX/2018, was exceptionally rude after I told him that I had repeatedly asked them to drop my number as I am not, nor do I know, XXXX XXXX. The man began yelling and I yelled back to drop my number. At this time, my husband is hospitalized in critical condition, and I am afraid to not answer the phone if I am not at the hospital for fear the caller will be from a hospital, doctor or other care facility. Therefore, ignoring an unknown number is not possible for the time being.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account .This account is hurting my ability to obtain credit. Its my understanding that equifax will investigate this account for me to ensure accuracy. Here Is the account I am asking you to verify as accurate : account name : XXXX : account number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion reporting the following incorrect information : New Employment Alert Type : New Employment Processed Date : XX/XX/XXXX Employer 's Name : XXXX XXXX XXXX   Although I work for XXXX XXXX XXXX ( notice incorrect/misspelled employer name ), since XX/XX/XXXX I have been and continue to be a XXXX XXXX of XXXX XXXX XXXX, XXXX. I work for two entities.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681, section 602, consumer reporting agencies like XXXX and XXXX must handle their responsibilities with fairness, impartiality, and respect for consumer privacy. As a consumer, I have the right to ensure my private information is not shared without my consent.

Additionally, 15 U.S.C. 6801 states that financial institutions have a continuous obligation to respect and protect the privacy and confidentiality of their customers nonpublic personal information. Under 15 U.S.C. 1681, section 604, consumer reporting agencies can only furnish a consumer report with the written instructions of the consumer. 
I do not consent to XXXX, XXXX, or XXXX sharing my information. Any previous consent, whether verbal, nonverbal, written, implied, or otherwise, is revoked. According to 15 U.S.C. 6802, subsections B and C, financial institutions can not disclose nonpublic personal information to third parties without providing the consumer an option to opt-out, which I was never informed about.

Furthermore, 15 U.S.C. 1681c, section 85, states that no consumer reporting agency may include any adverse information in a consumer report that is older than seven years, except for records of convictions. According to 15 U.S.C. 1681s-2, subsection 8, a person should not furnish any information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. Additionally, 15 U.S.C. 1681e requires consumer reporting agencies to maintain reasonable procedures to avoid violations of section 1681c and to limit the furnishing of consumer reports to the purposes listed in section 1681b. XXXX, XXXX, and XXXX are not maintaining reasonable procedures. Lastly, 12 CFR 1016.7 states that a consumer may exercise the right to opt-out at any time. 
Under the Privacy Act of 1974, a charge-off is considered a certificate of indebtedness, which is treated as income and should be removed from my credit report. It is also illegal to report transaction history, so my credit report should be marked as paid as agreed. I intend to send a bill to each companys trustee for each violation, for the XXXX XXXX XXXX XXXX caused by violating my rights as a consumer under the Federal Credit Reporting Act of 1682.
Product: Credit reporting, credit repair services, or other personal consumer reports

Case number : XXXX is a previous complaint that did not resolve my dispute. XXXX XXXX responded to my complaint about a credit reporting issue. I was told to contact Transunion and have enclosed a copy of their response. 

I, the XXXX XXXX have a constitutional right to privacy, and it has been infringed upon. XXXX XXXX XXXX  does not have my consent to share my confidential information. 
" Federal law and state law applies to this contract '' is listed under applicable law on page 2 of the consumer credit sale contract dated XX/XX/22.
Product: Checking or savings account

OPENED CHECKING ACCOUNT WITH CITI BANK ON XX/XX/2018 AND WAS OFFERED XXXX XXXX XXXX   MILES AS BONUS FOR OPENING ACCOUNT BETWEEN XXXX, MAKING {$370.00} IN DEBIT CARD TRANSACTIONS AND SETTING UP MOBILE BANKING. THESE REQUIREMENTS WERE COMPLETED ON XX/XX/2018. TERMS STATE WITHIN 90 DAYS OF COMPLETION BONUS WILL BE CREDITED. 123 DAYS LATER AND NO ONE AT CITI OR XXXX XXXX  CAN FIND THE MILES. MY HUSBAND COMPLETED THE SAME ACCOUNT AND BONUS AND RECEIVED HIS MILES. CALLED CITI 3 TIMES NOW AND NO ONE CAN EVEN FIND THE PROMO CODE OR GIVE ANSWERS. USED THE LINK DIRECTLY FROM THEIR WEBSITE TO OPEN THE ACCOUNT. MY XXXX XXXX  NUMBER IS XXXX IF FOR SOME REASON THEY CANT FIND IT. IN THE MIDST OF THIS THEY ARE CHARGING {$25.00} A MONTH TO MAINTAIN AN ACCOUNT IM NOT USING BECAUSE THEY CANT FIGURE OUT WHAT IS GOING ON.
Product: Credit reporting or other personal consumer reports

I have unauthorized hard inquires on my credit file. 
Companies that need to rectify this issue are as follows. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  Account # XXXX Amount : {$110.00} XXXX XXXX  Account # XXXX Amount : {$140.00} XXXX XXXX Account # XXXX Amount : {$2300.00} XXXX XXXX Account # XXXX Amount : {$270.00} I contacted this creditor ( XXXX XXXX XXXX ) on XXXX XXXX XXXX XXXX XXXX which is also the number that is furnished at the bottom of my consumer report for me to contact regarding this account. I requested to speak with a supervisor and explained I have not received a 1099-C form due to the account being written/charged off as loss/paid debt. It will then become taxable income for me to file which is prohibited to furnish taxable income on a consumer report per FCRA. The supervisor stated the account has been turned over to a collection agency known as XXXX and he can not provide me with additional information due to no longer owning the account. He then proceeded to transfer me to the agency. The line had given a busy signal and then disconnected. I then tried contacting them directly with the number the supervisor provided me which is XXXX and it never rings only to provide me with a failed call message. I would like this account to be removed from my consumer report as it is hurting my chances to obtain credit or continue with my homebuying process. I would also demand for the additional accounts that I have listed above to be removed as well due to not receiving a 1099-C form, the account being listed as charged off and the creditor not being able to provide me with additional information. These accounts have been disputed in the past beginning XX/XX/XXXX as well as validation of debt letters sent directly to the creditors on XX/XX/XXXX with no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Transunion for the past four ( 4 ) years when I found out about a chapter filed XX/XX/2017 and dismissed XX/XX/2017. I have sent ID numerous letters, and documents ( that were accepted by the two ( 2 ) other bureaus, but Transunion only make a call and does not follow the FCRA rules when it comes to address and year of birth. Initially they stated the information was provided by XXXX and when I provided proof that XXXX no longer reported the information and found it in error. When that information was provided to Transunion they resorted to only making a call to another third party but has never provided me with proof that the address and year of birth of that account matches my record, because it DOESNT and should be removed per the FCRA
Product: Mortgage

I have paid my mortgage on time. The servicer SLS has refused to accept proof of payment. I have mailed proof of payment through the postmaster and also spent hours on hold to get a fax number ( as they do not accept emailed copies of proof of payment ) I am in the middle of refinancing another loan into my name. They have now reported me 30 days late and this is affecting my credit score. It appears I have little recourse to the large banking institutions and I have no where to turn. I hope you can assist in resolving this matter. The lock rate fee is escalating on the refinance.
Product: Checking or savings account

Dear Sir My son, a student @ XXXX NJ., Had opened an account with PNC bank, XXXX nj. 
On XX/XX/XXXX he was the victim of a scam from a job recruiter posing for a very reputable bank and who provided him an appointment letter after an interview and a printed check [ emailed ] for XXXX $ for expenses part of which [ XXXX ] was to be paid to a vendor for training material. He deposited the check and the funds appeared which he used to pay off the vendor using XXXX. The next day he was notified that the check was rejected. He called me and In turn I called up the bank and explained the matter to them. The representative told me that these things happen occasionally as she verified the check and issuing party and saw no reason for caution. So my son reached out to his supposed employer and he was emailed another check for the same amount. This process repeated 3 times before he realized that it was a scam. All 3 checks cleared and bounced resulting in an overdraft of XXXX XXXX I went to the bank personally to get some clarification as to how they allowed a student account to go into overdraft, why there are no fraud control in place for incidents like these where an attempt has been made to solicit help as well as why they could not provide guidance or caution when I called the first time. Even on that visit the banker was still not convinced it was a fraud. 
My sons account was then frozen. On the banks recommendation I made a Complaint with the police @ XXXX providing all the transcripts of the conversation between my son and the fraudsters. I was also asked to provide the same info to PNC bank. I was then contacted by a representative of the bank. I asked for the next steps since my family has suffered great distress and anxiety through this incident. I was told that the bank would get back to me after their investigation and that I should open a new account for my son till then After waiting for 3 weeks without a resolution I open a new account for my son on XX/XX/XXXX depositing XXXX XXXX Yesterday XX/XX/XXXX he called me in a panic at around XXXX and noticed his account was in overdraft for XXXX XXXX Needless to say after a harrowing and painful experience, this was a real panic for us again as we tried to figure what is going on. After many calls, I was able to get a representative this morning [ XX/XX/XXXX ] at XXXX. After explaining everything, she told me that the amount was used to pay off the overdraft on the original account. 

This is a blatant disregard of trust in the bank and system in general for me as I was given an assurance that I could operate the account for my son who is in a college dorm and needs to have access to funds. 

I have no clue inspite of visiting the bank today afternoon as there are no Managers or supervisory staff willing to help or provide any guidance. These incidents in its totality from the overdraft facility for students, to the give a XXXX attitude of the bank have left me helpless. 
Any help or suggestions you provide are helpful Regards XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting and u verified collection on credit report by XXXX XXXX XXXX in the amount of {$960.00} Both experian XXXX XXXX XXXX are in violation of my rights by reporting a derogatory account on my credit reports that they have not provided proof of verification for. 
The was no written form of communication contact or signature the accused debt at all. 
A bill is not a contract They are required to provide the original contract agreeing to pay this amount of XXXX $ bearing my signature Provide / prove that the limitations had not expired this account Show that they are licensed to collect in my state Validation must include pay off disclosure Interest rate disclosure Balance history Payment history Credit insurance Please
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the FCRA : 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 : 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.

Experian also will not allow me to reinvestigate this. They have not provided me any details on their previous investigations, as requested. 

Item disputed XXXX XXXX  XXXX Issue type Account ownership and fraud issues Issue I am not legally responsible for this account. 
Confirmation # XXXX Item disputed XXXX XXXX  XXXX XXXX Issue type Account ownership and fraud issues Issue I am not legally responsible for this account. 
Confirmation # XXXX Item disputed XXXX XXXX  XXXX Issue type Account ownership and fraud issues Issue I am not legally responsible for this account. 
Confirmation # XXXX Item disputed XXXX XXXX XXXX Issue type Account ownership and fraud issues Issue I am not legally responsible for this account. 
Confirmation # XXXX Item disputed XXXX XXXX XXXX Issue type Account ownership and fraud issues Issue I am not legally responsible for this account. 
Confirmation # XXXX Item disputed XXXX XXXX  : This account needs to removed or have the late payments corrected. 
XXXX Issue type Account ownership and fraud issues Issue I am not legally responsible for this account. 
Confirmation # XXXX Item disputed XXXX  XXXX XXXX XXXX : This account has been charged off and needs to be removed. 

XXXX XXXX XXXX  Issue I didn't give this company authorization to access my credit report for this reason. 
Confirmation # XXXX I have requested experian to verify and show me the investigations process but they have not done so. I need these accounts removed immediately as they are violating my consumer rights.
Product: Debt collection

I have disputed this account and have reached out to the company/creditors MANY times but still I see no changes. This account is being reported inaccurately and incorrectly on my credit report.
Product: Debt collection

This charged off account is on my XXXX report.which I have no prior knowledge of.which was opened fraudulently and under the FCRA 15 usc section 1681. Must be removed immediately.if not will be included in litigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX  Account number XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A states the right to privacy.

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX ) ( XXXX ) Date Opened : XX/XX/XXXX Balance : XXXX I am entitled to complete and accurate credit history ; this is missing account information so please remove it. 

I want my credit report to be accurate and by law you need to remove accounts that are inaccurate, incomplete or unverifiable. If you verify the information, please respond with verifiable proof of an original consumer contract with my signature that you have on file for the accounts above. Unverifiable accounts must be removed. 

I saw these accounts on my credit report, and you need to remove them because they are inaccurate, incomplete or unverifiable : Account : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) ( XXXX ) Date Opened : XX/XX/XXXX Balance : XXXX I am entitled to complete and accurate credit history ; this is missing account information so please remove it. 
I want my credit report to be accurate and by law you need to remove accounts that are inaccurate, incomplete or unverifiable. If you verify the information, please respond with verifiable proof of an original consumer contract with my signature that you have on file for the accounts above. Unverifiable accounts must be removed.
Product: Credit card or prepaid card

I was a victim of gift card fraud. I was scammed {$2000.00}. XXXX Gift cards were purchased from XXXX and no employee raised a red flag. XXXX was purchased from XXXX. Credit cards need to adapt with new fraud cases. The so called {$0.00} XXXX program from CapitalOne and XXXX leave customers unprotected and with no coverage for lost money. Customers do not benefit from being scammed and have to come up with the money. The system is broken. I reached out and provided police report and case number for the input reportfraud.ftc.gov submission. They did not care. I know I am not the only victim and it is sad that these big credit card corporations fail their customers. I have been a user for many years, I have a XXXX XXXX of XXXX and have never filed a fraud claim like this.
Product: Mortgage

We have XXXX mortgage accounts with the same company which misapplied the payment for XXXX account to the other making the payment late. When we ask for a correction XXXX payments was put into an expense account, not crediting either account making the payments late and reporting it to the credit bureau. XXXX account we 've had for 11 years and the other for 9 years and have never been late on either XXXX. The problem started back in XXXX and have not been totally corrected as of this month and it 's now XXXX. We are still receiving calls from them stating that our payments are late although they have received payment and the checks have been cleared. How do we stop the harassment and get our credit back to the way it was?
Product: Debt collection

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. 

XXXX XXXX - XXXX Has violated my rights. 

15 U.S.C 1692B Section 5 : States, not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt XXXX is in the debt collection business or that the communication relates to the collection of a debt.

Another violation they are infringing upon is : 15 U.S.C 1692C ( C ) : that law clearly states If a consumer notifies a debt collector that the consumer refuse to pay a debt the debt collector must cease all communications