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

Anything you say can and will be used against you in a court of law. To whom it may concern, it has come to my attention that " Experian '' is in fact a consumer reporting agency in accordance with the Fair Credit Reporting Act 15 USC 1681a ( f ). Pursuant to 15 USC 1681 ( 3 ) Experian has assumed a vital role in assembling and evaluating consumer credit, with a need to ensure they're exercising their grave responsibilities with fairness, impartiality, and respect for consumers privacy. This CRA has not respected my rights, they were unfair, partial, and furnished these accounts without my consent violating my privacy. Identity Theft is defined in the FCRA 15 USC 1681a ( q ) ( 3 ) as a fraud committed using the identifying information of another person, also see 18 USC 1028A ( a ) ( 1 ). I am XXXX XXXX, Consumer/Natural person. Also a CRA may only furnish in accordance with the written instructions, needs permissible purpose 15 USC 1681b ( 2 ) from the consumer to whom it relates, Experian never received my authorization, nor consent. I am demanding a block of this information 15 USC 1681c-2 ( a ), my FTC report is attached, all information will be included below, none of this information is in relation to any transaction committed by me, XXXX XXXX XXXX Consumer/Natural Person ). 
Experian Report # XXXX ( XXXX ) Address Record XXXX, XXXX, XXXX, XXXX, & XXXX .... 
( XXXX ) Accounts - XXXXXXXX XXXX XXXXXXXX # XXXX, XXXX XXXXXXXX XXXX XXXX XXXX All the information listed shall be blocked in accordance to 15 USC 1681c-2 ( a ), within 4 business days of receipt as it results from identity theft as well as violations of privacy ( GLBA ) and the FCRA guidelines.
Product: Credit reporting

XXXX XXXX child support opened a case against me in XXXX when they started taking child support out of my checks. I was then XXXX in XXXX and they continued to take child support I was never late or ever sent into collections. I still have a charge off on this account on my credit report the case was closed in XXXX of XXXX an report was added to the credit report in XXXX of XXXX due to my child turning XXXX and no longer pay child support but still shows as a disputed on my credit report. I contacted child support enforcement which is listed as the creditor on the report. They stated I would have to contact the credit reporter to have this removed. I have a letter from Social Security Administration stating we no longer take payments out of me for child support due to the court sent an order to stop withholding. I would appreciate this being remove from my credit report due to its negative effect on my credit standings. I
Product: Credit card or prepaid card

On XX/XX/2018, my wife " XXXX '' and I applied for a Platnium charge card from American Express. We were approved that same day, while on the phone with a representative we asked for an additional card for me " XXXX ''. 

We received the approved card in the mail on the XX/XX/XXXX. We call AMEX to inquire about the second Platnium. We discovered that the AMEX representative ordered a Gold card vice a Platnium. The AMEX representative stated, upon receipt of the Gold card we should call to cancel it. He " XXXX '' then proceeded to process a Platnium card for me " XXXX '' taking all of my information and getting approval from my wife to add me as a user. He also stated that we would have the card by the XX/XX/XXXX. 

We received a letter in the mail stating that AMEX is unable to approve the additional card. 
We call AMEX and spoke with an AMEX rep. " XXXX '', on the XX/XX/XXXX, he said the application was submitted incorrectly for my additional card. XXXX for the 3rd time took my information and assured us that the card would be expedited to us and received by the rd of   XX/XX/XXXX. 

On the XXXX thers was another letter from AMEX of disapproval for the secondary card. My wife called asking to speak with a supervisor and the representative stated that one will call back in 24hrs. My wife had to call back after the expiring 24hrs on the XX/XX/XXXX to speak with a supervisor. The representative was reluctant to put a supervisor on the line. Frustrated my wife asked to be transferred to customer relations. Without a clear reason as to why a second Platnium card could be issued to no fault of ours. We then canceled and closed the account with AMEX. 


v/r Mr. & Mrs. XXXX
Product: Bank account or service

On XXXX XXXX, 2016 XXXX XXXX walk into BB & T in XXXX Tennessee, she with drawer XXXX from the bank. She ask for a refund on our account and ask for the account to be closed. The teller told her, she would checking to it. No one had called. We assume the account was closed. In XXXX XXXX, we found out the account was not closed, and because I am on my uncle account, BB & T withdrawer XXXX from my uncle account. After try to explain to BB & T that we wanted our account closed and no one should have had access to the account. They said their is nothing they can do. It all bank fee,
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my credit report and noticed a lot of inaccurate information that has been reporting to my credit. 

Accounts that I don't recognize are, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor, XXXX XXXX XXXX XXXX  XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : FXXXX XXXX XXXX XXXX 

Also I found a few inaccurate addresses as well.
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 federal 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX, all has violated my rights. 

15 U.S.C 1681 section 602A.States I have the right to privacy.

15 U.S.C 1681 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 information is inaccurate.
Product: Credit reporting

I have ask EQUIFAX XXXX times, to provide me with a copy of the original signed credit application and signed contract to provide proper verification of the account listed below. Per FCRA sec 609 ACCOUNT : XXXX XXXX ACCOUNT NUMBER : # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not have any account with this company, I have asked that it be removed and its still present 15 U.S. Code 1681i - Procedure in case of disputed accuracy do they have right of assignment? there is no full account number, how is this listed with no account number? whe was last activity of the acount? if this was charged off then there needs to be a cancellation of debt 1099, you can not collect on debt that has been charged off i need accurate data points NOT REPORTING ACCURATELY ACROSS ALL BUREAUS please remove I have been sick with covid for a year and alot of abuse was done to my credit15 U.S. Code 1681i - Procedure in case of disputed accuracy 15usc i1681i XXXX XXXX XXXX XXXX XXXX XXXX ( Revolving ) Accounts - negative accounts - Summary XXXX TransUnion XXXX Last Updated XXXX, XXXX XXXX, XXXX XXXX, XXXX Payment Status Pays account as agreed Paid or paying as agreed Current account/was delinquent 90 days past due date Worst Delinquency 90 days past due 90 days past due 90 days delinquent Balance {$2200.00} {$2200.00} {$2200.00} Credit Limit {$5100.00} {$5100.00} {$5100.00} Credit Utilization 44 % 44 % XXXX XXXX TransUnion XXXX Closed XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX Open Date XXXX, XXXX XXXX, XXXX XXXX, XXXX Last Activity XXXX, XXXX XXXX, XXXX Terms Revolving Scheduled Payment {$110.00} {$110.00} {$110.00} High Balance {$3100.00} {$3100.00} {$3100.00} Loan Type Credit Card Charge Account Credit Card Responsibility Individual Individual Account Individual XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX, ORPhone ( XXXX ) XXXX
Product: Debt collection

sOMEONS FROM pHILLIPS COLD CALLED  IN REFERENCE TO MONEY OWED. hE WOULD NOT IDENTIFY HIMSELF OR THE NATURE OF HIS CALL  SO I HUNG UP. tHE NUMBER ON MT cALLER I d WAS XXXX AND THE NAME WAS pHILLIPS. I LOOKED THIS UP ON THE INTER NET AND FOUND THAT THIS COMPANY HAS NUMEROUS COMPLAINTS FILED AGAINST IT. wHY HAS NOTHING BEEN TO STOP pHILLIPS FROM harassing  PEOPLE?
Product: Credit reporting or other personal consumer reports

I filed a deputy on XX/XX/2024 and the file number is XXXX regarding credit card that does not belong to me or have I authorized anyone to put me on their credit card. 

I received a letter from this company who is supposed to be XXXX XXXX. In their letter they didn't provide any proof the account belongs to me just saying they want to remove from the account. I called Equifax on XX/XX/2024 @ XXXX and talked with XXXX XXXX XXXX XXXX telling him about the letter and asked did I need to send the letter to them and all he said was it was under investigation. I explain to XXXX that my credit reporting is has account number on it XXXX. But the letter does not reference that account number at all. 

Equifax is not handling my account properly or trying to collect any information from that I can show that this account does not belong to me.
Product: Credit card or prepaid card

XXXX of XXXX I Paid off my Cabelas visa card using the phone automated system. I noticed in XXXX that they were still charging my bank account so I called them and found out I still owed approx XXXX . The lady on the phone could see I had made the payment so she looked into it and I had to get my bank on the phone. We did a conference call and found out that XXXX had refunded my account the payment because they were changing over to Captial 1. I decided to keep the account in auto pay because I needed the money for medical bills at the time. Then a few month later I found out I was being charged late fees on my account so I called again. In the change from XXXX to Capital one the auto pay was changed from making the min payment each month to a set amount of XXXX . The monthly bill was XXXX. They could not tell me how my payment had been changed nor would they fix the error. I called several times trying to get it resolved and finally sold a car and paid them off. I am trying to purchase a house and now it has gravely affected my credit score even though I paid them off. I paid them off because I was tired of dealing with the way things were being handled. I had not purchased anything on the card since XXXX of XXXX because the card had been hit with fraud twice in two months so I never activated the last card and was just working on paying it off. I think its an simple error when the companies changed over but why should I have to pay for it. I did get a notice that they were changing companies but from what I remember from the letter that nothing with payments were to change. The letter was basically saying that Cabelas was changing to Capital one. Capital one is the one who charged me late fees not XXXX. I think this is also an indication of an error in transition. I tried to reason with XXXX  from capital one today and still no headways.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX, TX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX  Original creditor XXXX XXXX XXXXXXXX Balance : {$470.00} XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX, XXXX Inquired XXXX XX/XX/XXXX XXXX, XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX According to FCRA Section 605B ( a ) the XXXX XXXX XXXX shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

In XX/XX/XXXX I called Carrington Mortgage to see what is my pay off balance since my last payment would be on XX/XX/XXXX @ {$240.00} which would mean in 13 months the total would be {$3400.00} and they gave me an amount that is much more than what is should be. {$9400.00}. The company told me that I had a loan consolidation that I had taken out from the company that they purchased the loan from. I asked them to send me the paperwork but they never did. I contacted XXXX  XXXX XXXX, who sent paperwork that said I have never consolidated a loan and forwarded Carrington a copy on XX/XX/XXXX. XX/XX/XXXX is a dated letter that I received with the original loan papers and a letter of apology with a promise indicating that they would straighten it out for me and send me the correct amount. They still have not corrected my loan pay off, it's reading the same larger amount. Trying to reach them by phone is very difficult at this time.
Product: Vehicle loan or lease

I have been sending money orders which are legal tender, to Ally Financial for the last 8 months, ( XX/XX/22 ). Today I received a phone call, stating they are going to Repo my automobile. They are not abiding by their commercial laws on the private side. Ally Financial must abide by the Full Faith and Credit, they are not honoring their agreement with me, XXXX and now they are threatening my livelihood, which is my first amendment right, as well as they are committing fraud on their part and against me, and the United States Treasury. Ally Financial has been provided by XXXX, my claim, on my signature card, and yet, they are completely in disregard to my rights as the creditor and that of the XXXX, XXXX XXXX XXXX XXXX. I would really appreciate your immediate attention, in preventing them from further harassment.
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 rights 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 information is inaccurate.
Product: Checking or savings account

Dear Sir/Madam, I am writing to file a formal complaint against Bank of America regarding an unresolved issue with fraudulent charges made on my debit card. 

On [ XX/XX/year> ], my debit card was used fraudulently to make unauthorized transactions. I promptly reported the incident to Bank of America and subsequently filed a police report.. Despite providing all necessary documentation and evidence of the fraudulent activity, Bank of America has denied my request for a refund without offering any explanation or justification for their decision. 

The refusal to refund the stolen funds has caused me significant financial and emotional distress. I have attempted to resolve this matter directly with Bank of America, but my efforts have been unsuccessful. 

I kindly request your assistance in resolving this issue and ensuring that Bank of America honors its obligation to refund the unauthorized charges. I would appreciate your prompt attention to this matter and a response at your earliest convenience. 

Thank you for your time and assistance.
Product: Checking or savings account

About XX/XX/23, I noticed unauthorized usage and interference with my cellular device that allowed another person to view my personal information and intercept transaction made with my debit card online. I verified the activity with the merchant on XX/XX/23 that confirmed the activity as theft. After filing a police report for the theft and activity, I reviewed my transactions previously made and I noticed multiple decrepencies in which I reported to my bank without delay. My bank has requested that I submit an affadavit in which I returned the same day via email as previously allowed ; the bank 's policy is to provide temporary credit for the transactions in which has not been applied as an intentional delay due to unsupported accusations due to prior issues with the account. Past disputedms filed on the account is due to long-term ongoing issues regarding harrassment described by my local laws as XXXX XXXXXXXX where my previous partner is consistently relocating along with me to unlawfully pursue me and monitor the activity on my device through the tampering with my device accounts that have been documented and reported.
Product: Money transfer, virtual currency, or money service

I've been using a app called XXXX for help with money and recenlty the bank said they no longer support allows me link accounts
Product: Credit reporting or other personal consumer reports

I submitted proof to experian for past year, it was proven the information was wrong, and it was continuously reported for two years, under the carmax account, which after two years of incorrect reporting of payment history, balance and status of the account, Experian allowed XXXX to update information after reporting incorrect information for two years. Experian has now stopped me from online reporting and using my account to dispute XXXX account, and each time I submit more information, the response is provide more information or can not dispute this account. I am not able to log in and dispute this account under Experian, they have stopped me from disputing under my account, and continued to reject any of my disputes for XXXX and the only response to my dispute, Experian can not accept my dispute and refuse to my account under dispute or properly make any changes. In two years, one change was made after I proved the information was reported inaccurate for two years, which gave proof the reporting was incorrect for two years, and the account was lawfully to be deleted, however after two years of illegal reporting, XXXX was allowed to update instead of deleting and the remainder of the disputes have been rejected.
Product: Mortgage

XXXX XXXX, XXXX  case # XXXX Foreclosed on property by fraud when they did not own mortgage and filing default. Complaint of Foreclosure was by XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX but Corrective Assigment dated XX/XX/XXXX and recorded OR XXXX : XXXX XXXX  XXXX and XXXX ) corrects Assignee to Bank XXXX XXXX, XXXX. XXXX owned the mortgage not XXXX XXXX XXXX XXXX. Actually foreclosed on property including property not included in mortgage. The Motion for Default by Green Tree Servicing recorded XX/XX/XXXX uses date XX/XX/XXXX which was witnessed by court as accurate date. Green Tree Servicing LLC did not own mortgage, XXXX XXXX XXXX XXXX XXXX did as of XX/XX/XXXX. ( See Court Docket entry for XX/XX/XXXX Motion to Substitute Plaintiff Ditech Financial LLC XXXX XXXX Tree Serving XXXX XXXX XXXX XXXX XXXX Assigment dated XX/XX/XXXX. Numerous times XXXX included additional property in complaint that was not incumbered by mortgage. This complaint involves criminal theft of property not a part of mortgaged property, fraud, foreclosure abuse including embellishments of property value and condition by XXXX  XXXX XXXX, Green Tree Servicing, Shellpoint Mortgage Servicing, and XXXX XXXX. This mortgage was included in the XXXX XXXX Settlement involving XXXX  XXXX XXXX and XXXX other banks and overseen by independent monitor, XXXX XXXX XXXX XXXX, North Carolina Commissioner of Banks as it was XXXX of the modification applications in XXXX.
Product: Mortgage

My account has been in force since XX/XX/XXXX till suddenly closed on XX/XX/XXXX by Bank of America. On XX/XX/XXXX, B/A informed me that my home equity line of credit is scheduled to end on XX/XX/XXXX. XXXX XXXX, B/A Home Eq department stated via phone that this is in error, as the terms of the agreement were to be for 15 years, and could not end till XXXX. 

B/A Home Equity Supervisor XXXX on XX/XX/XXXX, or XX/XX/XXXX stated by phone she could not understand why I could not have access to my account before XX/XX/XXXX, so filed for review, # XXXX, and told me I would hear within 3 business days. It is now past 5 days.
Product: Credit reporting or other personal consumer reports

I am formally disputing the inclusion of an account on my personal credit report, as it violates consumer protection laws. 

This is a business account, not personally guaranteed by me, and should not appear on my personal credit report under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. Only account for which a consumer is personally liable should be reported. Listing this account as a personal obligation is both inaccurate and unlawful under the FCRA and other consumer protection laws. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To my knowledge, all of my consumer information at my request has been frozen and suppressed. I have correspondence from TransUnion claiming that my data has been verified in violation of my rights.
Product: Credit reporting or other personal consumer reports

This is in regarding to my XXXX, I gave the car back since they kept reporting wrong payment submission dates and was hurting my credit. It was suppose to be removed from my account yet they said I was late with payments even after I gave them back the car. My other issue is with milestone credit card I paid my balance off expect for the yearly fee because I only had it for XXXX XXXX before because it took them XXXX XXXX XXXX to make my funds available after paying my balance. Once I paid it off I closed the card but they didnt close it and it was kept active and someone made charges in it that wasnt me. They were suppose to investigate and get back to bust they havent but they keep reporting to my credit that Ive been late with my payments when I never have been and its been closed for monthssss yet every month that goes by Im getting told Im late on a payment