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

XXXX XXXX XXXX XXXX XXXX XXXX address XXXX XXXX XXXX XXXX MY XXXX ID # XXXX I SEEN FALSE INFORMATION ON MY CONSUMER REPORT INACCURATE INFORMATION : name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX EMAIL XXXX All rent information is false All employers info is false All income information is false ALL INQUIRIES ARE FALSE ALL EMAIL information is false I DEMAND AS A FEDERALLY PROTECTED CONSUMER THAT ALL FALSE AND INACCURATE INFORMATION BE REMOVED AND UPDATED WITH ACCURATE INFORMATION ACCURATE INFORMATION NAME XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXY XXXX EMAIL XXXX XXXX The Fair Credit Reporting Act ( FCRA ) protects the privacy of personal information collected by Credit Reporting Agencies ( CRAs ) . The FCRA was enacted in 1970 to promote fairness, accuracy, and privacy for consumer credit reports, employment background checks, and consumer investigatory reports. The FCRA requires companies to remove unverified information from consumer reports if it's disputed. Companies must also notify the credit reporting company if they can't verify the information, stop reporting it, and meet specific requirements for information that can't be verified 26 U.S. Code 7213 - Unauthorized disclosure of information
Product: Checking or savings account

On XX/XX/year>, I received an email from Bank of America with the following message : " Act now to prevent your account ( s ) from being closed. We've had a hard time reaching you and noticed you still haven't updated your profile information. Please take a few minutes today to review and update your profile information. Your relationship is important to us and we want to help you keep your accounts open. As your bank, we're required to make sure your customer information is accurate and complete. Update your information now. '' Upon receiving this email, I promptly clicked on the provided link and was directed to the Bank of America app, where I was prompted to verify my legal name, social security number, date of birth, citizenship, residency, address, source of income, and occupation. After completing these steps and selecting " Confirm, '' the app navigated to a second screen where I verified my contact information. The app then indicated my contact information had been successfully verified. I completed this process on XX/XX/year>, at XXXX XXXX. However, on XX/XX/year>, both my wife and I received emails stating that our XXXX numbers had been deleted from our joint account. My XXXX account alerted my debit card was no longer active. 
Subsequently, without any additional communication from Bank of America, I discovered that our accounts were frozen, and a credit card account was permanently closed ( possibly, I have no records available on BoA website to confirm this ). Due to the account freeze, I was unable to access my funds, which I needed to make payments on three credit cards and a mortgage. This resulted in returned payments from all three credit cards and late fees.

XXXX XXXX one of my credit card issuers, has now banned me from using the frozen checking account to make payments, causing further complications. I contacted Bank of America on XX/XX/year>, at XXXX XXXX, for a duration of XXXX minutes at XXXX ( XXXX ) XXXX ( XXXX ). During this call, I confirmed the same information I had previously updated via the app, and my checking account was subsequently unfrozen. 

However, the bank claimed that they had made multiple attempts to contact me, though I have records of only two emails, one letter received on XX/XX/year>, and no voicemails. Again, that I complied with. When questioned about their policy on freezing accounts, the bank admitted that this policy is not publicly available to consumers, making it unreasonable for me to anticipate such severe consequences. The app 's interface is also misleading, as it indicates compliance with the bank 's requests when, in reality, it does not. 

This incident has caused significant financial disruption and late fees. I was forced to update my payment information on 17 different sites, including both mine and my wifes direct deposit information. I believe Bank of America 's actions and lack of transparent communication have been unreasonable and unjust.
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 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 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  15 U.S.C. 1681 section 602A. 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 1681 c ( a ) ( 5 ) section states ; no consumer agency may make any consumer reporting containing Any of the following items information any other adverse items of information, other than record of convictions of a crime which antedates the report by more then sevens years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person should not furnish any information relating to the consumer to Any other consumer reporting agency if the person knows or reasonable cause to believe that the information is inaccurate
Product: Checking or savings account

PNC wont connect to XXXX  online and i have called both parties its been months and im not getting the service i need from either party
Product: Credit reporting or other personal consumer reports

I disputed several things and they said it was accurate and it was not!!!!
Product: Credit reporting or other personal consumer reports

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
XXXX XXXX XXXX XXXX - XXXX following inquiry was not authorized and should not be reporting. 
XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX - The following inquiry was not authorized and should not be reporting. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX  - The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXX XX/XX/XXXX - XXXX following inquiry was not authorized and should not be reporting. 
XXXX - XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX- The following inquiry was not authorized and should not be reporting.
Product: Credit reporting or other personal consumer reports

I reviewed my credit report and noticed several inaccuracies. I sent a letter to EQUIFAX in XXXX to dispute these items. However, it has been more than 35 days, and I have not received a response from the credit bureau. This delay is a violation of 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), which requires a response within 30 days.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), if a consumer disputes the accuracy or completeness of any information in their file, the credit reporting agency must, at no cost, conduct a reasonable investigation, verify the disputed information, and update the file or remove inaccurate items within 30 days of receiving the notice of dispute
Product: Money transfer, virtual currency, or money service

I am a customer of Bank of America that ( due to Covid ) is collecting unemployment. On XX/XX/2020, I attempted to transfer funds from my unemployment EDD prepaid account to my regular checking account ( transaction ref # XXXX ) and accidentally entered an account number ending in XXXX, instead of XXXX. I realized this error 2-weeks later, I contacted the bank ( Bank of America ) and filed a transfer error claim. I received a letter two weeks later stating there was no error, and I needed to contact the merchant/individual that I transferred the funds to. I don't know who received the funds I transferred because I do not do business with this individual. I have made several attempts to resolve this issue with Bank of America, but all they do is take notes and transfer me to various departments.
Product: Credit reporting or other personal consumer reports

This is my XXXX-time requesting that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1800.00}
Product: Debt collection

Midland Credit Management Debt Collections contacted me about a debt in XX/XX/XXXX that was originally obtained by XXXX XXXX in XXXX or XXXX. At the time of being contacted by MCM, I had a payment plan with XXXX XXXX. Portfolio Recovery sent me this information ( along with communication, where they confirmed they never sold the debt back to XXXX XXXX or another third-party ) so I could share with MCM prior XXXX them placing another account into collections, that was the same as I was already paying on with Portfolio Recovery. I have made multiple attempts to show I have already paid this debt to MCM to no avail. I have even sent the correspondence with the big XXXX credit companies. I ended up stopping to answer their calls, because of how frequently this was and I'm not in a position to pay XXXX debts that are the same. 
Around XXXX today ( XX/XX/XXXX ), my girlfriend was contacted by a member of MCM. She has been ignoring that number for weeks, as they have misrepresented themselves as " Account Services '' with no mention of MCM or Midland Credit Management. Today she had enough of the plentiful calls and answered. Before she handed me the phone, she asked if she was my spouse, to which she said yes, because she had understood her to say " is this XXXX XXXX 's house? '' We are not married, so she was unsure of why this was even asked. The representative then told her the details of my debt and began to question why my girlfriend said she was my spouse before I was handed the phone. This has now been over 2 years of me paying off this debt with XXXX XXXX. I do not know why they are harassing my friends and family now.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has refused to investigate my disputes per Fair Credit Reporting Act of the allged debts of XXXX Account No. XXXX ...., XXXX Account No. XXXX ...., XXXX XXXX Account No. XXXX, XXXXXXXX XXXX Account No. XXXXXXXX ...., XXXX Account No. XXXX ...., XXXX XXXX  Account No. XXXX ...., XXXX XXXX  dc Account No. XXXX. I have attached Experian 's denial to investigation. Experian has given no written reason how and why the disputes have been previously disputed. The disputes have not been previously raised. Under Michigan law the companies must validate the alleged debts with a written contract, not just statements. This has not been done. Also, some of the alleged debts have been dismissed in court. Experian must remove the alleged debts for refusing to also investgate.
Product: Checking or savings account

I tried to open a Citibank savings account on XX/XX/2019. I completed the process and sent {$100000.00} via ACH. Citibank requested more information so I responded per the attached. The fraud department decided to close my account and only paid interest for one month. I've called numerous times to get my money back and no one has been able to help me. I spoke with FOUR people on XX/XX/XXXX and the last person, XXXX, said the fraud department was holding my check due to their inability to verify my address. As you'll see from the attachments I gave them everything they requested,.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account 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. Also states a consumer reporting agency can not furnish an account without written instructions or consent.
Product: Debt collection

This not my account. I have had  XXXX   XXXX  during the period this was occurred. Please remove this from my consumer report.
Product: Debt collection

Since 2016, I have been contacted by XXXX XXXX XXXX XXXX XXXX, about a debt collection item. During which time, they have called me numerous times per week and have sent several written communications attempting to collect on this debt, even after being asked to cease efforts. 

For over two years I have requested the below information, yet XXXX XXXX XXXX has not provided one item of proof that this account belongs to me. In addition, they have continued to harass me with phone calls and physical mail sent between 2-4 times per week.

I asked for this information, which is my right, yet they have failed to provide me with any of the items.

1. Copy of the original contract bearing my signature that shows I agreed to pay what you say I owe. 
2. What the money is owed for.

3. Proof of XXXX XXXX XXXX assessed and calculated the outstanding debt. 
4. Payment history from the original creditor.

5. Proof that they carry a bond.

6. Proof that they are licensed to collect in my state of residence ( California ).

7. Proof of license numbers and Registered Agent or Agent of Service. 

To this date, I have not received any of the requested information that is my right under the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b }. 

They have consistently violated Debt Collection Practices and I'm now filing formal complaints with the Consumer Financial Protection Bureau, as well as the California Office of the Attorney General. I also have hired an attorney to help in my efforts. 

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

received a call from XXXX XXXX XXXX. He claimed to be from XXXX XXXX. And was offering a 2 for 1 credit repair package. My boyfriend talked to him first and gave him bank card info and his social sercurity number. When he put me on the phone I was instantly alarmed. Then I found out my boyfriend was naive enough to disclose that info I started asking man on phone how I can research him and make sure this is legitimate. He started stumbling over his words and gave me his number and extension. Name XXXX XXXX. I told him I can't confirm him through him. I need to be able to contact XXXX XXXX  and do that. He instisted on me just calling that number. Then asked to speak back to my boyfriend because he had his info and credit report pulled so he could close the deal with him. I said most definitely not. I could hear people in background that sounded like they were playing video games. I told that guy I was to check out his credutials and if I found anything weird at all I was going to report him. He hung up. Thats a great scam he has going on. He gets ssn, bank info, name and dob. All key things you need to steal from someone. I am so angry right now. Told my boyfriend to never give that info so freely!!
Product: Credit reporting or other personal consumer reports

If you continue to disregard, fail to comply with, or lack substantial, satisfactory, and/or visibly evident proof of compliant reporting practices, I must caution you that this letter serves as my formal notice prior to potentially seeking redress in the nearest civil court through a writ of review concerning the aforementioned issues I suspect. Please understand that I am the affected consumer of your unverified or insufficient reporting practices. Consequently, I am disputing the assumed, yet highly conditional, reporting privileges for any and all claims contested within this consumer complaint. This statement demands your demonstration of authoritative, verifiable, compliant, legal reporting that unquestionably adheres to no less than the mandatory state and federal reporting requirements and statutes. My insistence on your thorough examination shall specifically encompass, but not be limited to, your adherence to agreements referenced within the FCBA, FCRA, ECOA, as well as all relevant laws within my state, proven to be sufficiently comprehensive in showcasing that your adequate statutory reporting occurred precisely as it pertains to any claim purported by you in my report ( s ). Of particular concern to me is whether any or all aspects of your claims are alleged yet demonstrate potential deficiencies, potentially deviating from your obligatory adherence to industry standards for lawful, fair, and ethical reporting, while maintaining an appropriate status. Undoubtedly, your obligation should be one of verifiable conformity to the Metro 2 Data Field Formatted Reporting Standards, as per CDIA guidelines!

I've recently obtained copies of my personal consumer credit reports and have noticed questionable or insufficiently verified data within my file at your company 's offices, as outlined in my reviewed documents. I'm worried that this information might have been mistakenly or intentionally added back to my credit report by your offices after being removed from reporting, without providing the necessary five-day notice to me, as required by reporting regulations that your company must adhere to.

According to the Fair Credit Reporting Act ( FCRA ), any previously removed reporting item can not be reinserted into a consumer 's credit report without written notice from the relevant credit reporting agency or agencies directly to me, the affected consumer, within five business days of the alleged reinsertion date. I want to make it clear that I haven't received any such notice or confirmation regarding the accuracy and completeness of the reported claims. 

Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of a data breach and request that all accounts listed below be blocked and deleted pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). As these accounts were fraudulently opened, I am requesting their immediate removal from my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

My Equifax report is showing a collection from XXXX XXXX regarding a debt allegedly opened on XX/XX/XXXX. However, the report also shows that the last payment was made on XX/XX/XXXX, which predates the account opening date. The collection itself was only reported on XX/XX/XXXX. 

Equifaxs website is not allowing me to dispute this entry online, and Im unable to find any information on how to dispute it by mail or other methods. In the meantime, I have already sent a " Debt Validation '' letter to XXXX via XXXX to request validation of the debt. As I understand it, XXXX is required to remove this item from my credit report while gathering the requested information. 

Can you advise on how I can move forward with this dispute with Equifax, or provide guidance on alternative ways to dispute this collection?
Product: Money transfer, virtual currency, or money service

XXXX was taken from me i had to talk to a online chat with cash app XX/XX/XXXX i was unsuccessful they told me they cant get the funds that they tried to contact the other party no success then they deactivated my account. On XX/XX/XXXX I was scam XXXX and they told me its nothing they can do. So basically they was allowing scamers to continue to take their clients money with no punishment.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : ( XXXX XX/XX/2020 ) ( XXXX XXXXXXXX XX/XX/2020 ) ( XXXX XXXX XX/XX/2020 ) 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.

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.
Product: Student loan

ACS/XXXX XXXX XXXX XXXX This is a education loan which was consolidated. It states on my credit reports it was paid but past due 90 days. I was never past due on this loan. I have four loans with ACS all of which were consolidated at the same time and this is the only one reporting inaccurate information. I started an investigation with ACS and they have not remedied the problem. This late reporting is inaccurate and I would like this corrected on my credit reporting and reported accurately with no late payments made.
Product: Credit reporting or other personal consumer reports

Please remove the following fraudulent inquiries from my credit report : INQUIRIES XXXX XX/XX/2024 XXXX  XXXX XX/XX/2024