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

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

XXXXXXXX XXXX # XXXX XX/XX/year> -- {$0.00}
Product: Credit card

I am filing a complaint regarding Bank of America and the undue stress caused by their relentless debt collection calls and emails. I am XXXX XXXX XXXX and have been recently diagnosed with XXXX. Unfortunately, this has affected my ability to manage and pay my credit card debt, and I am no longer able to meet the payments. 

Despite my diagnosis, Bank of America has not ceased their frequent and disruptive calls, which have been directed not only to me but also to my family members. These calls have only increased my stress, XXXX, and XXXX, impacting both my mental and physical health. 

I am requesting your intervention to stop Bank of America from further contacting me and my family regarding this matter via phone and email. Given my age and health situation, I am in no condition to handle this pressure, and I need support to protect me from these aggressive collection tactics. 

Thank you for your attention to this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request 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, 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 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, credit repair services, or other personal consumer reports

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
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 Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance XXXX {$1300.00} ; XXXX XXXX XXXX XXXXginal Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1500.00} ; XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX  ) XXXX Balance XXXX {$5700.00} ; XXXX XXXX XXXX XXXX Balance : {$650.00} XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I received a small annual membership fee ( {$50.00} ) on my Best Buy Credit card. 

I didn't want this membership. By the time it was reversed, Best Buy / Citi Cards buried me with {$75.00} in large charges. I can't get through to talk to anyone on the phone.
Product: Credit reporting or other personal consumer reports

Try to get experian to up date my account thanks wouldn't take off names are inquiries that wasn't mine
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and notice an account that was not reporting accurately. I had two late payments on an account that I was in fact paid on time. The consumers reporting agencies need to report all information with complete accuracy. This account has not been late on payments i've attached a copy of my report to this complaint on the following dates ( ). I'm now requesting you investigate this account and update these payments to paid on time immediately. 

THANK YOU FOR YOUR UNDERSTANDING AND PROMPT ACTION.
Product: Credit reporting, credit repair services, or other personal consumer reports

experian dispute XXXX XXXX XXXX filed XX/XX/2022, removed hard inquiry dated XX/XX/2022, showed emailed from XXXX XXXX XXXX XXXX that hard inquiry is to be removed with XXXX contact information to verify, and to remove hard inquiry XX/XX/2022, XXXX told told experian XX/XX/2022 to remove and experian has not removed, XXXX mortgage services told experian XX/XX/XXXX to remove XX/XX/XXXX hard inquiry and experian has not, XXXX companies told them to remove and experian has not, experian had contact information to verify to remove and has not, other XXXX credit companies have removed this inquiry and experian has not, this in itself should be reason to remove, but XXXX other companies told them to remove and myself gave then contact information and email from XXXX XXXX XXXX to remove and experian did not, look up case number experian has proof from me as well, uploaded to them a lot of companies are telling them to remove with documentation, please remove XX/XX/2022 hard inquiry,
Product: Credit reporting, credit repair services, or other personal consumer reports

I have taken action since XXXX, when the total loss happened. The XXXX  XXXX  was to pay the entire note, which it did. I was unaware of the last payment that was due on my end and has since paid the balance. I have asked for an update or for the reporting to be deleted. Thank you
Product: Credit reporting or other personal consumer reports

I wrote a letter about false information on my credit report, and more than 45 days later, I still havent heard anything back. I think my complaint is being disregarded and that Im being victimized of. It is precisely stated in section 611 ( a ) that refusal to investigate these allegations within 30 days is cause for immediate removal of all those allegations from my credit report ; given that it has been more than 60 days, they should be promptly deleted. I demand that these accounts be terminated right away, or else Ill pursue you for the anguish you put upon my life. The XXXX data breach exposed my information well as, and its feasible that it landed in the incorrect hands. Also apply law 15 U.S. Code 1681 ( e ) ( b ) ASAP so I know I am being treated fairly and with equal rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

603. Definitions ; rules of construction [ 15 U.S.C. 1681b ] Exclusions. ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; It also defines what a credit card is " ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. '' My Nine digit Social Security card number that was used to extend credit in the below account is prohibited by law to publish on any credit reporting agency. 

On XX/XX/XXXX I sent a second dispute to Equifax regarding an inaccurate/ fraudulent Medical bill that they are reporting on my credit. I was never in the hospital when the bill stated that I was, and my insurance has no records for any request for payment for the bill in question. 
Equifax sent me a statement report on XX/XX/2021 report # XXXX The report states that they have investigated item account # XXXX and that the item belongs to me. 

Equifax did not provide any details as to how that Item was found to belongs to me, Per the dispute, I requested for the second time that Equifax furnished proof that such an item belongs to me and a copy of the HIPPA release form that I signed by me authorizing my medical data to share with these above-mentioned third parties. This is a clear violation of my rights according to HIPAA. XXXX XXXX XXXX and Equifax for the second time failed to furnish the requested proof yet, the negative item continues to reports on my social security credit device.
Product: Mortgage

I XXXX from XXXX on XXXX XXXX, 2015 after 26 years of employment. 
Prior to our retirement, my wife and I decided to buy a home in the state of Georgia. 

In preparation, we saved more than XXXX % for down payment on a {$310000.00} house. We both have excellent credit ( FICO scores ranging from XXXX-XXXX ), my wife receives {$2000.00} monthly Social Security payment ; I receive bi-weekly compensation of XXXX. In addition, we have a combined XXXX in 401K, and I will get an annual pension of at least {$31000.00} starting on XXXX 2015. 

Now that we are in the process of getting a mortgage, lenders are advising me that they can not use my current compensation as income due to XXXX regulations which require income for three years. When I advised them that I will have a pension in XXXX, following the termination of my compensation, in XXXX, they said that I have to show an actual pension check. 

Here is the situation, during my years of service with XXXX, I accrued more than 500 hours of XXXX, and over 1200 hours of XXXX of which I will be compensated for XXXX. Unlike management employees, XXXX does not pay a lump sum to its union employees for accrued leave at separation. Instead, I will remain on the payroll until XXXX XXXX, 2015 when both XXXX and XXXX are exhausted, at which time my pension will start. 

To satisfy the XXXX : XXXX : Other Sources of Income ( XXXX/XXXX/2015 ) Verification of Retirement and Pension Income : Document regular and continued receipt of the income, as verified by letters from the organizations providing the income, I provided the lenders with a copy of the letter from XXXX ( XXXX XXXX XXXX XXXX ) advising that my hypothetical retirement date is XXXX XXXX, 2015, at which time I will begin to receive my pension distribution of no less that {$31000.00} per year, depending on the option I chose. 

The mortgage product that we are seeking is a 15 year fixed, with XXXX % down payment. Instead, XXXX lenders, using the XXXX regulations, advise that they can only provide a 30 year fixed mortgage to us since my current income, which will end XXXX XXXX, 2015, and my pension income which will start in XXXX 2015, can not be used. A XXXX lender is willing to use my pension income to give us a 15 year fixed, the product that we want. 

This leaves us with doubts about the whole mortgage financing system. We now wonder which lender is right. Or is the Fannie Mae regulation being misinterpreted. We can not understand how a person who has excellent credit, more than a XXXX % down payment, who worked for 26 years with the same employer, and who will receive a pension be denied the mortgage product of choice. Please, someone help us understand this.
Product: Checking or savings account

I was able to open a checking account with Truist Bank. The account was immediately locked and flagged for " fraud ''. After speaking to a representative on the phone, I was told that I would not be able to close the account over the phone and would need to drive 400 miles to the nearest branch to close it. 

Account opened : XXXX XXXX deposited : {$50.00}
Product: Credit reporting or other personal consumer reports

I am writing to request that the following fraudulent accounts and inquiries be blocked and deleted from my credit report, as I am a victim of a data breach. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have these fraudulent accounts and inquiries removed. I have provided details of the accounts and inquiries below. 
Accounts to Be Blocked and Deleted XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$56.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$98.00} XXXX XXXXXXXX - XXXX - XX/XX/XXXX - {$87.00} Inquiries to Be Blocked and Deleted XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

USAA Insurance claim for roof repair for XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX USAA member # XXXX I have been USAA member for over 25 years The delays, untimely and confusing communication and lack of responsiveness has caused me personal financial hardship I am a XXXX  and have an XXXX and have worked in XXXX XXXX XXXX XXXX for over 20 years A process is broken and it is unacceptable XXXX XXXX XXXX XXXX
Product: Debt collection

This debt was owed to XXXX XXXX XXXX as the result of a long term stay with them after a XXXX XXXX I was admitted to the hospital by ambulance and signed nothing myself and my ex husbands insurance was the responsible party for the original amount. 
We filed for financial assistance, in the months that followed the application was being reviewed by the medical institution and the debt was suppose to be frozen until the application was reviewed. The hospital made a mistake and turned the bill over to Wakefield and Associates, I immediately called the hospital when I started receiving calls from them demanding the money be paid. It was immediately posted to my credit report at the same time I began receiving calls from them. The hospital called XXXX and told them a mistake had been made and the bill had inadvertently been sent to them while the application for financial aid was still under review and it needed to be stopped. It was not. I have repeatedly asked that it be removed from my credit report and have successfully been able to remove it from XXXX report but not from others. It continues to be a blotch on my credit even though I agreed to pay XXXX XXXX and the debt has been forgiven. 
All debts in my ex-husbands name were also transferred to him for payment in our divorce agreement that was completed in XXXX of 2021. They refuse to remove this from my report.
Product: Credit reporting or other personal consumer reports

I have enclose proof of inaccurate accounts on my consumer report. 
See Attachment Below See Attachment Below See Attachment Below See Attachment Below
Product: Mortgage

On XXXX XXXX, I closed a checking account at a bank with the intent of opening a new account with a credit union. As soon as I had opened the new account, I began changing information relating to automatic withdrawls of bill payments. I started with a phone call to the mortgage servicer, Phh Mortgage. I explained to the represenative that I had closed my old checking account, and wished to change the automatic withdrawl information to that of my new checking account. I had tried to do this online, but some strange problem with trying to set up a new password forced me to the phone. The rep informed me this could not be done by phone, that I would have to fill out a form and mail it back. I asked for the form and she said it would be sent out. She informed me that it was already too late to change the information in time for the XXXX XXXX payment, and provided me with a payment mailing address. I mailed a payment which was received and processed on time. On XXXX XXXX, PHH attempted to process the automatic withdrawl using information for the closed account. The payment was naturally refused, and PHH applied a {$25.00} NSF charge to my account. I received a letter to this effect on XXXX XXXX. I called them, and explained what had happened. The representative I spoke to, XXXX, stated that there was no information on thr account regarding the closing of the old checking account. I asked to have the NSF charge reversed. His supervisor denied the request. I should not have to pay for the incompetence of a PHH representative, and I want this charge removed, and an apology from PHH management for the performance of the representative, and the attitude of the supervisor.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; XXXX and Transunion are reporting incorrectly that I am ( 120-180 ) days late on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX SSN : XXXX XXXX : XXXX Phone Number : XXXX XXXX XXXX, XXXX **Affirm Inc.** XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Account XXXX XXXX $ XXXX Dear Sir or Madam, I am writing to inform you that I am a victim of identity theft, and my personal information was used to open the above-referenced account with Affirm Inc . I did not authorize this account and therefore request that it be closed immediately. Additionally, I request that all charges on this account be absolved and that all information related to this fraudulent account be removed from my credit file. 

Enclosed are my Identity Theft Report and a copy of my credit report showing the fraudulent items associated with Affirm Inc . I have also enclosed the CFPBs Notice to Furnishers of Information, which outlines your obligations as an information furnisher under the Fair Credit Reporting Act ( FCRA ). Upon receiving my Identity Theft Report, you are required to cease reporting this information to any credit reporting agency ( CRA ) and take the appropriate corrective action.

Please investigate this matter, close the account, absolve me of all charges, and send written confirmation of the steps you have taken. I appreciate your prompt attention to this serious matter. 

Sincerely, **XXXX XXXX XXXX XXXX : ** - Identity Theft Report - Copy of Credit Report - CFPBs Notice to Furnishers of Information [ PDF ]
Product: Money transfer, virtual currency, or money service

I have provided my email correspondence to describe the following events ; while trying to open a commercial business account with treasury services. I needed this account for remittance payments. Unfortunately due to discrimination, and lack of knowledge of the banks employees. I have been held back from accessing these services with PNC Bank. This whole ordeal started with making 3 appointments in which I can guarantee one of those appointments out XXXX, PA was a very discriminatory experience. 

XXXX  people are not suppose to know their rights or read laws, policies or regulations that give them the same privileges as other races without a challenge. We are suppose to just accept anything told to us and walk away. Financial Institutions need to understand we the people are the lenders/registered corporations that keep them in business.

There are no laws that state we are suppose to be paying our bills with income. As a matter of fact we are suppose to be collecting the interest from these bills attached to these bonds in our corporate name. We are suppose to have access to treasury services through these ( agents/ financial institutions ) Why are these financial Institutions holding us up from what's rightfully ours?

15 U.S. Code 1693o1 - Remittance transfers 31 CFR 328.6 - Requirements for endorsement.

31 CFR 328.5 - Forms of endorsement ( a ) When presented by banks ( 1 ) For payment or exchange. The endorsement placed on a bearer security presented for payment or exchange by a bank should be in the following form : For presentation to the United States Treasury __________, Fiscal Agent of the United States, for redemption or in exchange for securities of a new issue, in accordance with written instructions submitted by __________. ( Insert name of presenting bank )
Product: Credit card or prepaid card

This is an online ONLY debit card account is with The Albert XXXX debit card issued by XXXX XXXX for Copyright XXXX, Albert Corporation. The app is called Albert. 

I started this account XX/XX/XXXX. Have a rainy day savings of {$300.00} and want to close this card out and transfer funds to my bank account. Which is linked to this card. This company asks for verification of linked accounts. I provided two banks. My primary XXXX account was recently closed. I still have XXXX, but a different account number. I also linked my XXXX account. This Albert app is refusing to surrender funds. And continue going back and forth stating that they are unable to verify any of my bank information provided, six times already over the past month. I realized that these people are purposely withholding funds. There no solid way to communicate with them, other than the app, not even an email. When communicating via the app, I then receive a text message from some random individual in response to info from the app. Quite confusing. The text is the same information each time. It never changes it reads as follows : It looks like the statement we received doesn't match the bank account we're trying to verify. Please upload the correct statement. 

To re-upload your statement : Pull down on the home screen to refresh the app. 
Go to the profile tab ( ). 
Tap " Linked accounts. '' Tap " Action required '' next to the institution we're verifying. 
Tap " Upload statements. 

And the process starts all over again. Over and over. I then decided to look into the XXXX XXXX XXXX  and saw complaint after complaint. Yet XXXX  response was the same for all consumers. Below is the generic text response in XXXX XXXX XXXX from Albert : We've reviewed your concern and have identified we've resolved the issue directly via text. Please contact our customer support department by texting****************************************** Please assist in this matter. As I do not believe this company plans on returning my money. Plus they have now placed an unauthorized charge on my XXXX account. 

They obviously are covering themselves by making generic responses with XXXX
Product: Vehicle loan or lease

I have been trying to get my title from Chrysler Capital since XXXX of 2023. My first few phone calls only ended with me getting a release of lien. They said they don't send titles because NJ is " an electronic state. '' After about the third call they said to take the release of lien to the DMV and they'll give me a title. The NJDMV said Chrysler Capital does not participate in that program and that I would have to pay for the title that I already paid for. They suggested getting the title from Chrysler since I paid for it. I called again and got another release of lien. They also said that the original title was sent back in XXXX, but when they gave me the address, I said the zip code was wrong. I called again and the representative said that she saw all the mistakes and everyone kept requesting the release of lien. She submitted a request for the title and it should be emailed to me in the next few days. I called today ( about 10 days later ) and was told the request was rejected because the account is marked closed. I got transferred to a person who said they will have to request a duplicate title from NJ and I should expect it to take a month. Additionally, I had to correct my zip code again because it still wasn't corrected. In the meantime, I still can't sell my XXXX.
Product: Debt collection

Americollect has been sending me collection notices in the amount of {$370.00} the collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.