23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX & EQUIFAX : XXXX XXXX  XXXX XXXX  XXXX XXXX & XXXX XXXX easy pay XXXX XXXX  XXXX  XXXX & XXXX XXXX XXXX  XXXX  XXXX & EQUIFAXXX/XX/XXXXXXXX XXXX XXXX XXXX EQUIFAXXX/XX/XXXX XXXX XXXX XXXX  XXXX & XXXX XXXX XXXX XXXX XXXX EQUIFAX:XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; EQUIFAX ; XXXX XXXX XXXX XXXX & EQUIFAX : XXXX XXXX XXXX XXXX & EQUIFAX:XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ; XXXX XXXX  XXXX ; XXXX XXXX EQUIFAX : XXXX XXXX XXXX ; XXXX & EQUIFAX XXXX EACH company is in violation of my rights by LAW ! 
XXXX5 USC 1681 602 A I have the right to privacy 15 USC 1681 604 2 no consumers reporting agency has written instructions from me the consumer on what is to be displayed.

15 USC 1681c requirements to the information contained in a consumer report. I requested for all accounts to be remove only my correct information should be displayed
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. 
These are inquiries that have violated my consumer rights ; Transunion XXXX XXXX ; XXXX XXXX ; XXXX XXXXXXXX XXXX ; XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION 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 XXXXXXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX ; TRANSUNION XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX ; XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TRANSUNION XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION XXXX XXXX ; XXXX XXXX XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX 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 15 USC 1681- ( A ) - ( 4 ) : THERE IS A NEED TO INSURE THAT CONSUMER REPORTING AGENCIES EXERCISE THEIR GRAVE RESPONSIBILITIES WITH FAIRNESS, IMPARTIALITY, AND A RESPECT FOR THE CONSUMERS RIGHTS TO PRIVACY. 

15 USC 1681-SECTION 604-A : SUBJECT TO SECTION ( C ) ANY CONSUMER REPORTING AGENCY MAY FURNISH A CONSUMER REPORT UNDER THE FOLLOWING CIRCUMSTANCES AND NO OTHER ( 2 ) IN ACCORDANCE WITH THE WRITTEN INSTRUCTIONS OF THE CONSUMER TO WHOM IT RELATES. 

15 USC 1681 SECTION 623 : ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION. ( 1 ) PROHIBITION ( A ) REPORTING INFORMATION WITH ACTUAL KNOWLEDGE OF ERRORS. A PERSON SHALL NOT FURNISH ANY INFORMATION RELATING TO A CONSUMER REPORTING AGENCY IF THE PERSON KNOWS OR CONSCIOUSLY AVOIDS KNOWING THAT THE INFORMATION IS INACCURATE. 

15 USC 1681 B- ( C ) ( 3 ) Information Regarding Inquiries-a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is initiated by a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

To make a long story short I finally decided to start the process of buying a house and not rent because its just costing to much on rent. The bank denied me and I went to look at my credit to see why or if its something small i can handle and I saw alot of things on my credit that is not mine. I filed this with the FTC and I also call the police here in XXXX. I also saw a banktuptcy and I dont know where that even came from. I talked to my friend who is an attorney and called the bankruptcy court and the clerk said I did not have a bankruptcy filed with my social security number and she told me to call another place XXXX XXXX and they said the exact same thing. There are also some student loans and I barely finished highs school so I know I didnt go to college. Here are the accounts im talking about XXXX XXXX, XXXX, US Dept of Ed, XXXX XXXX, XXXX XXXX , XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, XXXX, USDOE/XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX  XXXX and the inquries is 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. Can someone help me Im doing this by myself.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : XXXX XXXX XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, XXXX, Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Account 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 XXXXhese accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Money transfers

At or around  XXXX  I visited Pay-O-Matic to send money to my teenage daughter who was in  XXXX   XXXX . I received a call from my daughter that she had issue picking up and the funds, which I was charged {$24.00} to send and when I reviewed the receipt I realized my daughter 's middle name was listed as her first name. I returned to the Pay-O-Matic at  XXXX  when I had a short break between work calls, I waited for the cashier who helped me to complete the transaction with her client, I signaled the gentleman who was next in line alerting him it would only be a second because I was there earlier and the young woman made a mistake with my transaction. He graciously allowed me to go and I showed the clerk the error, and she responded " you still need to get in line I cant let you skip the line. '' I asked for the  manager, sh e said " she 's right there but you still need to wait in line. '' I called the number listed in store  (   XXXX  ) to speak with someone re : the improper information entered and the fact that I was frantic when my daughter extremely needed the money and could n't receive it because of the clerk 's error. I also want to note that while t he manager calle d in to fix my transaction ; she asked I move to the side to handle the next customer.   My daughter has gon e to two lo cations, had to pay transportation and could n't receive her funds. The customer service I received was poor! especially given the fact that my  XXXX . was thousands of miles away, I paid for money in minutes it has been hours and I was made to wait additionally while the crowded check cash continued business as usual, and helped someone else through my turn.   I am asking for a formal apology from the business, and a refund because I paid {$27.00} for daughter to receive much needed money in minutes, and because of clerk/ashier error it took hours.   I also believe that the business needs to speak to the staff about quality customer service despite demographic community/area served.   On review of the slip it was completed correctly, and was data entered incorrectly. I look for speedy resolution.
Product: Mortgage

I am due a refund from my Escrow account. I have been waiting for a month and a half and the only information the lender ( CHFA Colorado Housing and Finance Authority ) will provide is that the " check is in the mail. '' I did not receive the check within the 30 day delivery period, and now they are telling me a reissued check will take up to 60 days. They refuse to validate the address they are sending it to, and refusing to offer tracking on the check delivery. I do not believe they are trying to reimburse me.
Product: Checking or savings account

I opened a checking account with CITIBANK on XX/XX/XXXX. 
XXXX maintain 80 days qualify {$2000.00}. 
Need to fund within 20 days opening. 
I can withdraw money after 80 days but maintain account another 30 days. 
I had been noticed no {$2000.00} appeared in XXXX. I Went to the branch in XX/XX/XXXX / XXXX. 
XXXX tellers told me to wait around XX/XX/XXXX. 
No {$2000.00} credit was shown, so I went to the branch and talked with the banker I opened account with. She told me I should have gotten the money last year. She submitted inquiry, and told me to wait 7 to 10 business days. I asked her if there is some kind of componsation on being late. 
She said no. And, she gave me inquiry #. 
But, I can withdraw money. 
So, I spoke to general managet and she said, she will personally follow ap and call me. I withdraw $ XXXX and left a penny in checking account. 
There is no phone call from XXXX. Phone call do not go thru. I have been calling customer service many many timed. And I was told to wait 2 more days, next week. Now, 30 days, 90 days. I asked if anyone is working on this case. Now, they till me becuse of promotional case, it will take longer. 
I am so frustrated on their attitude. 
Some, they simply hung up. 

Case ID XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

My wallet was stolen and someone has been fraudulent charges and hospital bills from XXXX XXXX XXXX  and XXXX XXXX of the XXXX who are sharing and selling a debt that I have no knowledge of also a XXXX XXXX address in XXXX XXXX XXXX I have knowledge of my whole life is in shambles and I'm trying to pick up the pieces and move on I need help
Product: Checking or savings account

On XX/XX/2019 I made an ATM cash deposit at Bank of America ( XXXX XXXX XXXX XXXX, XXXX XXXX, AZ. XXXX ) after hours. The deposit was for a sum total of {$6900.00}, consiting of 69 bills of {$100.00} the machine allows for a maximum of upto 75 bills. The machine took in all that money, proceeded to count for a few seconds before displaying an error message and handing out a recipiet the recipet mentions that there's been an error but does not mention the {$6900.00} amount and instead shows a mere {$300.00} deposit. 

I tried reaching the bank on their helpline, and other numbers I got from the internent, but could not speak to a human voice. At this point I am really worried about the money, dont know what to do as BoA seems to be unreachable. 

This is extremely nerve wracking
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
EXPLANATION : I've Had this fraudulent account added XX/XX/2021 without my consent. 
I went into XXXX XXXX to switch phone carriers while I was still connected with XXXXXXXX and was denied since my phone was still locked. The XXXX XXXX asked me to write down my information, so when i get this problem fixed with XXXX I can come back and finish the signing up process. I ended up going to ANOTHER franchise combined with XXXX XXXX XXXX & XXXX XXXX XXXX, Etc... and they was able to unlocked my phone and sign me up with XXXX. 1 month later I seen I had a collection on my credit report saying i owe XXXX {$120.00}, meanwhile I have NEVER missed a payment with my newly opened XXXX account so I was confused ... i also NEVER received any document or phone call saying owe XXXX anything... So I contacted XXXX and spoke to the supervisor and they was also confused as to why my account was in the collections. They told me it must be a misunderstanding and they removed it off the credit bureaus but it was still on my EXPERIAN credit file. I end up calling XXXX a month later and we ended up finding out the first XXXX franchise i went to where the EMPLOYEE asked me to write down my information on a STICKY NOTE ended up fraudulent opening an account with my information and sent it to the Debt Collectors!! THERE IS NO OFFICIAL DOCUMENTS WITH MY SIGNATURE ALLOWING ME TO OPEN THAT ACCOUNT. 
XXXX told me the only thing i can do is pay off the balance ( {$120.00} ) to get it resolved since they couldn't remove it from every credit bureau so i did that ... Next thing you know it turned into a closed account, this has Humongously effected my credit, I have never missed a payment and it posted as i missed ALL my payments.. it dropped my credit score almost 50 POINTS!!! I NEVER gave XXXX authorization to open that account nor was i sent any documents or contacted about that account since it was " opened '' they NEVER had my official information!! NO address or NO number just my SSN. I've tried to dispute on Experian & XXXX XXXX and it kept coming back accurate! i just want this account OFFICIALLY removed since it was fraudulent opened.. The company can not provide proof i opened this account, and have violently prohibited my rights!! i even provided proof in the evidence box of XXXX saying the account was mistakenly opened.
Product: Credit reporting, credit repair services, or other personal consumer reports

I found out my identity had been compromised because my wallet was stolen from the movie theater. I didn't take the proper measures afterward. I just got a duplicate driver 's license and a copy of my social security. Several years later I'm receiving letters after letters of several unpaid accounts open that I have never open. I then started to investigate and pulled my credit to check what all had been open. there are way too many fraudulent accounts open that I am near familiar with. These accountsare not mine. Please remove them. 

XXXX XXXX {$2800.00} XXXX XXXX XXXX {$3100.00} XXXX  XXXX {$140.00} XXXX  XXXX {$1300.00} XXXX XXXX  XXXX {$800.00}
Product: Credit reporting 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. The following accounts are not accurate : INQUIRIES NOT RECOGNIZED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  30 days late ( 1 ), 60 days late ( 1 ) 15 U.S.C, 1681section 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 an 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 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

I have a public record entry that was placed on my credit report and I have been trying for over 5 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 4th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how XXXX verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 3 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a law firm, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call XXXX  back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. XXXX refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this bankruptcy is mine.
Product: Debt collection

I received a phone call from a debt collector claiming to be from Sears looking for my son at XXXX XXXX Saturday morning XX/XX/XXXX. I have nothing to do with this debt and don't know why they're calling me. I wish to file a complaint. It is unfair that a family member should have to bear this burden for someone who knows nothing of a debt that they claim on my adult son. The number they called me from is : XXXX ( XXXX XXXX, Texas ), as identified by the caller ID on my phone. The caller sounded to be a young female. I had appointments today that required my utmost attention and by disturbing my sleep, ruined my capacity to perform at my best. I wish compensation for their frivolous actions as well as a formal apology.
Product: Debt collection

Company AMERIFINCIAL SOLUTIO was advised that I was an identity theft victim by phone on XX/XX/2019 collections agent stated that the company would not remove derogatory medical account # XXXX collection opened XX/XX/2019 this account is fraud.
Product: Credit reporting 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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 informationisinaccurate. 
Please remove these Inquiries from my credit report. 
These inquiriesarelisted :
Product: Credit card or prepaid card

On XX/XX/2022, I called Bank of America using the toll free number on back of my Bank of America Cash Rewards Credit Card to ask for a reduction in interest rate. They informed me that they could lower my interest rate slightly but that they could also offer me a 0 % Promotional APR on Balance Transfer from my XXXX XXXX XXXX XXXX which is good until next year. I told them to go ahead. I also asked if they could increase my credit limit. He said he could and that it would only involve a " soft pull '' of my credit. He assured me that it would not be a hard credit check and would not affect my credit score ( I had discussed with him during our phone call that I was not interested in opening a new credit card because I did not want to affect my credit score by opening a new line of credit ). After the call, an alert came through from XXXX saying that an Inquiry had been made from XXXX. I thought it was odd but figured it was just some sort of connection that Bank of American had with XXXX and that " soft pulls '' still triggered alerts. Today, a XXXX XXXX XXXX XXXX XXXX arrived in the mail. A sick feeling overcame me. I have never felt so violated. Bank of America has not only stolen my personal information, but broken my trust. My credit score has changed and my credit opportunities are more limited as a result of what has been done. Please advise on how to undo this damage and how to hold Bank of America accountable for its actions.
Product: Credit reporting or other personal consumer reports

delete fraudulent hard inquiries I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER:XXXX  ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following Credit bureaus failed to report to my credit report for the month of XX/XX/2022 on my XXXX XXXXXXXX XXXX XXXX  account : XXXX and Equifax. I contacted the XXXXXXXX XXXX XXXX company and they stated that they sent all the information to all the credit bureaus for the monthly updates. The only one that was updated was XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX XXXX XXXX  XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting Experian and XXXX XXXX XXXX  with no successful resolution. Experian is only reporting me 30 days late. There was definitely an error on their part. I Was never 30 days late.
Product: Debt collection

XXXX account was opened in my name for a residential line. XXXX XXXX XXXX is holding me liable and mentioned that this is a billing issue. After several calls back and forth I have not had a resolution and am still being held liable. This issue has started since XXXX of 2015.