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

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXXXX/XX/XXXXwhich falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ) .I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair CreditReporting Act. I am a victim of XX/XX/XXXX and would like for all listed accounts to be blocked and deleted company informationTransunion. XXXX XXXXXX/XX/XXXXAccount number XXXX {$7800.00}XX/XX/XXXX pay line of credit Account number XXXX {$2000.00} XXXX XXXX XXXX XXXX account number XXXX {$14000.00} XXXX XXXXXX/XX/XXXX account number XXXX Amount XXXXXX/XX/XXXX Account number XXXX Bal {$850.00} XXXX account number XXXX balance {$3800.00} XXXX XXXX balance {$2900.00} XXXX account numbe XXXX balance XXXX XX/XX/XXXXXXXX balance XXXX XXXXXX/XX/XXXX XXXX Account numbeXXXX XXXX balance {$320.00} XXXX XXXX XXXX account number XXXX balance {$1100.00} XXXX XXXX XXXX XXXX XXXX balance XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to XXXX XXXX XXXX to get a Car and they told me that they ( XXXX XXXX XXXX ) would run my credit for the Car I chose, instead they gave my information to 8 or 9 different Banks and Credit unions to run my credit. I did not authorize them to give my information to third parties. There actions caused a lot of hard inquires on my credit report, which dramatically affected my credit score. The names of the companies are : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ....
Product: Debt collection

I filed multiple complaints with CFPB about distributions taken out of my Bank of America Health Savings Account ( HSA ) in XXXX, the closing of the HSA and the opening of an HSA without authorization. A police report was filed regarding this account and tax statements were sent to Bank of America through CFPB. I received two email communications and a voicemail in which I was told by the Bank of America regulatory department ( in a voicemail ) that I have to communicate with them by XX/XX/XXXX. When I called the phone number and extension I was emailed, I was advised by an automated system that this is a debt collector. The messages from Bank of America did not mention this and I never received anything from Bank of America about my HSA account. The last time I engaged the CFPB, the Bank of America representative I spoke with said he could not find an account in my name. When I sent tax statements to Bank of America and requested documentation of transactions, I keep getting emails to call back with no response and now the threat of debt collection.
Product: Credit card

Synchrony Bank is committing fraud bank practices with all of its clients and customers. They are manipulating clients ' and customers ' accounts or credit card accounts. They are not informing their clients and customers of these changes like reducing the credit limit on their credit accounts or credit cards that they qualified for years ago. They also do not give any legal reasoning for these new changes.
Product: Credit card or prepaid card

well I was trying to make a purchase, & Declined & also I dON'T I should have ro do a XXXX survey when ever I want to check my balance on account.
Product: Debt collection

I opened a XXXX XXXX credit card and after XXXX weeks I asked them if the card can be used everywhere and the agent told me no so I told him to close the account that's what he did. After a month, I received a bill for {$89.00} automatically. I let them know that I didn't use anything to get a bill, they reassured me that the account is closed, after XXXX months with a closed account I receive a bill {$160.00} I called again following the hold it went up to {$360.00} and until the month of XXXX where I received a bill for {$1300.00} and I am really confused and they report me and take down my credit and I argued, without further action after that I argued for the second time and they let me know that I had to use cart for online purchases and I even made a purchase in a store in mississippi but I never went and I was at sea. they say that I even received packages from my online purchases which I don't know. I don't know how you can use a card that is closed after XXXX weeks? how can I make a purchase in mississippi while at sea? Why would you want to charge me for something I didn't spend a cent on? the proof is that they say they sent me another card and that I used it during our exchanges. I asked how did you activate this card since I never had to spend or activate this new card and it was sent to my old address but I was no longer there. and I never asked them for a new card. in addition they opened a synchrony bank TJX account that I never requested to open and I don't understand why I am report after 6 months where we had resolved this problem? today, they are talking to me about scales of {$860.00} and why that is no longer {$1300.00}, a lot of irregularities. So help me because I don't know if we should go to court for this, I am ready to go because I won't know how to pay for something that I have never spent.
Product: Credit reporting or other personal consumer reports

To whom it may concern : I am formally challenging you to review your data on file for me! I insist that you comply with the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards in order to ensure the accuracy of the information reported about me. I also request that you remove any and all false accounts from our records immediately! Only factually accurate, verified, and compliant data should be documented and included on my credit report from now on.
Product: Debt collection

The company has called my business line twice a day for over 2 months. I have repeatedly informed them this is a business line and they have the wrong person and have requested that they put me on the do not call list.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under act 15 usc 1681. 
XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 conviction 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 reporting agency if the person known or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

On XX/XX/2023, I was trying to pay my phone bill at XXXX XXXX but the transaction declined. In result my {$50.00} was taking out of my bank but the transaction still decline. I have not received my deposit refund from my bank- Chime The XXXX XXXX XXXX XXXX XXXX or nor have I received my refund deposit back into my bank account from XXXXt XXXX XXXX
Product: Mortgage

I HAVE HAD HEALTH ISSUES SINCE XX/XX/XXXX. I GOT OUT OF XXXX. I WAS TAKEN TO XXXX XXXX XXXX IN XXXX, CO. I UNDER WENT XXXX. WAS DISMISSED, THEN WENT FOR ANOTHER CHECK-UP BECAUSE HAD BEEN XXXX. THE XXXX TOLD ME THAT I WAS NOT HEALING ON THE INSIDE. SO XX/XX/XXXX I HAD ANOTHER XXXX. MY HUSBAND GOT LAID OFF IN XX/XX/XXXX AND HAS NOT BEEN CALLED BACK. I FELL SO BEHIND ON MY MORTGAGE PAYMENTS THE REASON IS NO INCOME. SO I CALLED XXXX TO LET THEM KNOW WHAT WAS GOING ON THEY SEND ME A LOAN MODIFICATION PACKAGE. I GOT THAT DONE JUST SO THEY COULD TELL ME THEY DO NOT DO MODIFICATIONS. I ASKED IF IT WAS POSSIBLE TO SEND AT LEAST XXXX PAYMENTS THEY SAID NO THAT IT HAD TO BE PAYMENT IN FULL. SO THEY ASSIGNED A CASE MANAGER TO ME XXXX XXXX. THIS IS THE XXXX TIME I HAVE DONE A MODIFICATION AND BEEN TURNED. DOWN. I 'M PRETTY SURE THEY DO MODIFICATIONS. I LOOKED ON LINE AND THEY HAVE THE WORST REVIEWS THAT SCARES ME.I WANT TO KEEP MY HOUSE.THEY HAVE ALREADY PUT A FORECLOSURE ON MY CREDIT REPORTS. I PRAY THAT I GET THE HELP I NEED TO KEEP MY HOUSE. I HAVE REQUESTED A NPV, WATERFALL ANALYSIS AND REQUESTED A ESCALATION FOR MAIN SUPERVISOR HAVE NOT HAD ANY RESPONSE FROM THEM. I HAVE A TEAM OF LAWYERS HELPING ME IN MY SITUATION.ABOUT A WEEK AGO OCWEN CALLED ME TO TELL ME THEY HAVE A SALE DATE FOR XX/XX/XXXX.THEY PUT A FORECLOSURE ON MY CREDIT REPORTS BEFORE I KNEW ABOUT ANY SALE DATE. I THINK THEY SHOULD OF LET ME KNOW BEFORE REPORTING IT TO THE CREDIT BUREAUS. I HOPE I CAN GET SOME HELP. THANK YOU
Product: Credit card

Discover card has been reporting an old account inaccurately. The last payment made was in XX/XX/XXXX, but Discover is reporting it as XX/XX/XXXX. I have an email dated XX/XX/XXXX from Discover saying my account is past due by several months. I have emailed several letters to Discover and they refuse to correct inaccurate information. I am trying to buy a home and I am very distressed to see this on my credit report as it is damaging my credit reputation. I can barely sleep thinking that this is keeping me from my dream home. I need this inaccurate information removed from all credit bureaus.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Money transfer, virtual currency, or money service

BLOCK INC. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX I NEVER HEARD OF BLOCK INC, THEY TOOK {$95.00} XXXX XXXX  {$6.00}. XXXX XXXX XXXX {$20.00}, I DONT HAVE NO DEALINGS WITH THESE COMPANIES, TAX YEAR XXXX AND I WANT TO SUE FOR FRAUD AND HARRASSMENT, MY NAME IS NOT " XXXXXXXX XXXX XXXX '' PLEASE REMOVE THIS NAME FROM ALL CREDIT BUREAUS NOW XXXX XXXX XXXX XXXX XXXX XXXX AND XXXX MY NAME IS XXXX XXXX PLEASE CORRECT MY NAME
Product: Credit reporting or other personal consumer reports

Did not consent to unauthorized inquiries the inquiry was not authorized. Also, the inacurrate addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXXXXXX XXXX XXXXXXXX, OH XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is negatively affecting my credit. Is a very old account and I need it to be removed from my credit report. They do not have my signature to report.
Product: Credit reporting

XXXX and Equifax also has the BK reporting incorrectly. XXXX does not have on their report and should not BK was dismissed and closed XX/XX/XXXX. They have confirmed somehow that is has been discharged. 
I will upload all documents I have : Please review and update supplement : BK case was never discharged. Discharge Waiver This case was then reopened XX/XX/XXXX and then terminated XX/XX/XXXX BK case closed/dimissed XX/XX/XXXX XXXX case was closed without a discharge of debts. Then, a pre-bankruptcy asset was discovered, so the case was reopened. Then, the asset was liquidated and distributed to creditors, and the case was re-closed -- again, without a discharge. That is the correct procedure. 
XXXX 
XXXX 
XXXX, MO XXXX Phone : XXXX
Product: Checking or savings account

On XX/XX/2020 my accout with TD Bank was credited with a {$700.00} from SSI ( social security ). I found out sunday XX/XX/2020 that my debit card was missing out of my wallet and I called TD Bank but found out that my account was blocked for some reason. I reported my card lost or stolen. They told me that {$900.00} had been charged to my account fradulently. I put in a claim on monday XX/XX/2020. They denied my claim because they said the person who-ever it was used the ID number perfectly and they got it right the first time. And also they said that the culprit did not attempt to abuse the card. In other words they are saying that it was too perfectly done. The money stolen from my account was the money that SSI pays me monthly to live on. Iam a XXXX American. I have been robbed. They won't help me. SSI gave TD Bank my money for me to live on for the month of XXXX but I have been robbed and they wont help me, they said that they are not responsible but I know better than that. TD Bank is not a good bank to be with. They are not a safe bank to bank with. They are robbing me. I wonder how many other people have they did this to.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. XXXX XXXX Inquiry : XXXX XXXX, 2020, XXXX XXXX Inquiry : XXXX XXXX, 2020, TESLA FINANCE LLC Inquiry : XXXX. XXXX, 2020. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.
Product: Credit reporting or other personal consumer reports

It is crucial to note that I did not give permission for these accounts, and their presence is causing me substantial distress. I kindly request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your prompt attention to and resolution of this matter are sincerely appreciated.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of mi credit report, and noticed i have fraudulent accounts. Please remove these accounts from my report, they are hurting my ability to obtain credit. Thank you.
Product: Credit reporting or other personal consumer reports

My consumer report has false information that is affecting my auto insurance rates unfairly. These are all incomplete and not 100 % accurate accounts that are in violation of the FCRA.
Product: Mortgage

I submitted a mortgage loan application to Bank of America on XX/XX/2021 to purchase my first home in XXXX, XXXX After the initial acceptance and signing of their offer, and throughout the approval process, the lender sent a number of requests of documents and support to justify my income and debts. 
It became clear that each one of these requests seemed to put in doubt my financial situation and creditworthiness, with messages of urgency and threats to decline the loan ; even though every time I was sent a request, I sent in the requested documents without delay and in perfect order ( including : tax returns, check stubs, letter of employment, bank statements, etc. ). There were no follow ups to these requests, just silence until the next urgent request. It seemed to me as though they were looking for any reason to decline my loan. 
On XX/XX/2021, after over a week without any contact or requests, and only 6 days before closing, I was contacted by my loan officer XXXX XXXX ( NMLS # XXXX ), who announced that the Bank of America decided to reclassify the property loan from a primary residence to a non-owner occupied, and as a result would steer me to a loan with less favorable terms, and further delay the process by more than six months. This new loan would have a higher interest rate and disqualify me from the closing cost assistance program which I previously qualified for, under the terms of the original loan offer I agreed to at the end of XXXX. 
When I tried to get someone to explain to me how the reclassification occurred, and why I was not notified that this would be an issue more than six days before my closing date, XXXX XXXX ( NMLS # XXXX ), Vice President CS Sales Manager at Bank of America, told me on the phone that the reason was that the Bank of America decided my property will be investment property based on their research. When I asked to see the written research, or tried to get contact information to someone I could clarify what the misunderstanding was, he told me that he couldnt provide any written documentation until I had cancelled the loan. He explained that the Bank of America is unsure that I am going to move out of my current address, in spite of receiving multiple letters from my employers saying so. Both XXXX and XXXX have refused to provide a formal written response or make available any possible consideration to correct this mistake in my case. Any written correspondence Ive had with Bank of America has been through their secure messaging system, where messages conveniently auto-expire. 
So, with only 6 days to closing on XX/XX/2021 I am facing the prospect of losing the house I worked so hard to achieve, and it has nothing to do with my financial situation and creditworthiness, but a vagary administrative decision that has left me without any apparent recourse. 
I hope you can understand my frustration, and can help me in this matter. 

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

In accordance with the Fair Credit Reporting Act XXXX Account # 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.
Product: Credit card or prepaid card

On XXXX my made a payment to my credit card for me since I was low on funds for the weekend I Then received email from capital one showing me the last four digits of her debit card and that her debit card is now linked to my account I did not want that I did not authorize it and this was a one time only payment and she did not authorize a linkage either I tried to talk to somebody about it and they told me I had to go online I went online there was no option to unlink I chatted with a guy named XXXX who told me to call IT and I finally talk to the supervisor team XXXX and they can not do anything about unlinking her financial information which we did not authorize I do not want it on there what if the company is hacked somebody would have access to her credit card this is Fraudulent behavior and predatory
Product: Debt collection

I am writing to dispute the validity of a debt that has been reported by Consumer Adjustment Company to credit reporting agencies. I have no knowledge of any agreement or contract with your company and have never received communication regarding this alleged debt. 

According to my credit report dated XX/XX/year> Consumer Adjustment Company has reported a debt on XX/XX/year> without properly notifying me of its existence or providing me with an opportunity to dispute it. This failure to notify and provide dispute rights violates my rights under the Fair Debt Collection Practices Act ( FDCPA ). 

Specifically, Consumer Adjustment Company has failed to : -Provide me with written notification of the debt 's existence before reporting it to credit reporting agencies. 
-Notify me of my right to dispute the debt within 30 days of receiving a collection notice, as required by the FDCPA. 
-Notify me at least 5 days before reporting the debt to credit reporting agencies, as required by the FDCPA. 

Furthermore, I wish to clarify that I have never entered into any agreement or contract with Consumer Adjustment Company, and I have no record of any such debt.
Product: Checking or savings account

In XX/XX/year>, I had {$40000.00} in my Chase bank account. In same day, My phone number was hacked on by the hacker people and I informed the bank same day. I asked the bank officer, " Should I need to freeze my account? '' The Bank officer told me to change my phone number and email number and debit card number and you will be fine instead of freezing my account and I changed all of them according to the Bank officer 's suggestions. Unfortunately on XXXX XXXX, XXXX  the chase bank sent a passcode to my previous phone ( hacked one ) number and the hacker used that passcode to wire transfer {$25000.00} from my account. It is mentionable that I spoke to bank officer so many times but nothing happened.

In this circumstances, it is my own understanding that the chase bank failed to safeguard my money. So the chase bank has to compensate me {$25000.00} as soon as possible.
Product: Debt collection

The open dates for are not accurate and the account numbers are invalid. XXXX never represents or corresponds to appropriate account informations. Its been more than 6 months and you have never given me any response to my request to validate the debt and of its origin. I have never given any approval or permission for you to report this account. 

This is a violation of my rights as a consumer. I will be seeking legal assistance due to noncompliance with 15 U.S. Code 1681 ( e ) ( B ) and XXXX XXXX Compliance Standards, there are multiple deviations, deficiencies, inaccurate information, and unauthorized information listed on my credit report. Please remove these accounts referenced from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank of America encouraged me to open a credit card with them which they did while I was at the bank. I had recently moved so they sent a statement to the incorrect address. This meant I did not get this statement. They then marked my credit report as 30 days late which dramatically reduced my credit score. I brought this to the attention of XXXX XXXX who immediately was argumentative. She also said she would send the decision for reconsideration but I later found out she never did. She also never reported the results to me. I am now closing my long standing relationship with XXXX including emptying my safe box. I hope to never set foot in another XXXX again. This woman acted inappropriately.
Product: Credit card

Capital one is a sleezy cheap credit card company that doesn't follow specific guidelines to get their customers credit line increases period.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a hard inquiry on my credit score from Synbc for filling out a care credit application which was denied and now its affecting my credit score. I want this removed.