23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I worked XXXX for 14 years ( XXXX ). I used my Bank of AmericanXXXX credit card for both personal and corporate charges. All charges were reconciled monthly and paid accordingly. If it was a company charge, the company paid directly to Bank of America. 
If it was a personal charge, I paid for it personally. 
In XXXX and for the previous 3 years, I was XXXX. 
In XXXX of XXXX, the company was forced to close due to XXXX the partners actions. 
Bank of America filed a lawsuit against XXXX for charges made to my Bank of America card. These charges that were made XXXX XXXX. XXXX was not able to pay the charges at that time. Bank of America then came after me personally - almost 4 years later and they slapped me with charges of over {$110000.00} plus fees I continued to pay my personal charges monthly until XXXX, when they did this and would not budge. 
I lost my career, mother of XXXX, wife of a XXXX. Bank of America said they would remove the charge, but the would have to write it off as income to me and issue a XXXX. Clearly, I can not afford that nor the tax implications - this was not my responsibility. I explained to the Bank of America attorney that if they did this, it would force me to declare bankruptcy ... ..they said they certainly did not want to do that ... .... 
I called and emailed and talked with Bank of America, their attorneys, customer service agents, special agents, etc ... ..no resolve. I have sent my enclosed documents countless times. 
It has been 7 years. My husband and I are trying to obtain a loan to build a home for our family. We are not able to because of my credit due to this situation. 
I ask for help. 
Our company had strict policy/procedure how to manage expenses. We had XXXX employees. Many who traveled all over the world and had the same abilities to use personal credit cards for company expenses, and have them paid monthly by the same process - of which is detailed in my attachment. 
NOT ONLY did they do this to me, they did this to XXXX XXXX for approx $ XXXX documentation also attached. 
I need this removed from my credit. I need to be treated fairly - I need my credit to be back to what it once was. 
Please let me know what i can do to help you help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In the last two months, I have tried to dispute a debt that popped up out of nowhere on my credit report. The first notification was from XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX representing XXXX XXXX for the amount of XXXX. Which I dont dispute owing XXXX XXXX. The second account that popped up was from XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX for XXXX and it says the original company is Tire Agent. I have tried to dispute this multiple times because Im being charged the same debt twice. Each time it comes back that the amount is accurate, when Im fact it is but I only owe the debt once. So today XX/XX/29 I tried to reach out to leafy financial and got a cellphone voicemail. So I then reached out to commonwealth financial and spoke to a supervisor by the name of XXXX XXXX who informed me that XXXX XXXX was the client they were representing. I asked him if that was the case then why is this debt being reported twice on my credit report, and when I disputed it you didnt clear it up with the credit bureau XXXX I requested something in writing stating that they Commonwealth were in fact representing XXXX XXXX and he told me he couldnt send me anything in writing. He could only send me what I owned commonwealth. I then stated that that is indeed fraud if youre reporting the same debt twice under false pretenses and will not clear it up. I asked to speak to his boss and he would not let me because he was busy. I stated that I would hold and he told me I couldnt hold and he would disconnect the call. I expressed I had no problem working out a solution to pay the debt after it isnt being reported on my credit twice. He refused and hung up on me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX 


XXXX XXXX XXXX # XXXX, has violated my rights. 

XXXX XXXXXXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX 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 I also have inquiries on my credit report that I didn't authorized and unaware of. 

XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXXL Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXXXXXX Removal date XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiries XXXX XXXX XXXXL Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX & XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXXI Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Transunion Inquiries : XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX
Product: Bank account or service

I keep asking this question & it 's not getting answered. As basic as I can put it, what criteria specifically allowed my Reserve Line to stay open during XX/XX/XXXX-XX/XX/XXXX 's periodic reviews of creditworthiness compared to now? I 've the received the notice from US Bank about this decision to close my Reserve Line, but none of the reasons stated for this closure are true. Again, during XX/XX/XXXX-XX/XX/XXXX my credit score dropped to a XXXX, I had no other available credit, & I was consistently maxed out on my Reserve Line usage, & every payment I owed was over 90 days late or being charged off. In the past year my debt to income ratio has improved, my available credit has increased, & my credit score has increased over XXXX points, & all payments are on time. Suddenly my Reserve Line is deceptively closed when I 'm no longer using it, & with false reasons stated for the closure. US Bank can not clarify why this happened or explain the justification behind this decision in comparison to the decision to leave it open for the previous 5 years when I was an admittedly horrible candidate for credit. I 've read the disclosures but do not explain the inconsistency of this decision..
Product: Debt collection

Kohl 's offered me the opportunity to delete the debt from my credit report and settle for 60 % off the original debt amount Kohl 's account # XXXX, if I paid the following settlement amount {$1000.00} on XX/XX/XXXX. I XXXX XXXX paid {$1000.00} on XX/XX/XXXX with my XXXX XXXX Debit card. My Kohl 's payment confirmation number is # XXXX. I contacted Kohl 's Department Store Collections today on XX/XX/XXXX because they still erroneously showing a remaining balance of an additional {$630.00}. This is an error. I have settled this account on XX/XX/XXXX and Kohl 's agreed to delete the account from my credit report after the settlement amount of {$1000.00}. was paid. I am filing this complaint because Kohl 's is now telling me they will not delete the paid account from my credit report and that I still owe a balance and that is wrong and fraud. Can you agency please assist me with having the collection account deleted from my credit report Thank you XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

IN ACCORDANCE WITH FAIR CREDIT REPORTING ACT XXXX  ACCOUNT BELOW HAVE VIOLATED MY RIGHTS. 

XXXX 'S XXXX REPORTED ON XX/XX/XXXX {$140.00} XXXX XXXX REPORTED ON XX/XX/XXXX {$100.00} XXXX XXXX XXXX  REPORTED ON XXXX XXXX, XXXX {$930.00} XXXX XXXX XXXX REPORTED ON XXXX XXXX, XXXX {$210.00} XXXX XXXX REPORTED ON XXXX. XXXX, XXXX {$1300.00} 15 U.S.C 1681 SECTION 6O2 A. STATES I HAVE THE PRIVACY.

15 U.S.C 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit report from the three credit bureaus XXXX, XXXX, and XXXX. I've notice that these three unauthorized inquiries that I have challenged on multiple occasions hasn't been removed from my credit report. The following unauthorized inquiries are : XXXX XX/XX/XXXX Capital One XX/XX/XXXX XXXX XX/XX/XXXX I have never applied for credit with these on these dates, furthermore I have never applied for credit with XXXX period.
Product: Credit reporting or other personal consumer reports

I am filing this complaint because my credit report shows a collection account that I have no knowledge of or connection to. This account has been mistakenly linked to my profile, and my attempts to address the issue through the credit bureau have not led to a satisfactory outcome. Despite submitting documentation to request verification and removal, the credit bureau continues to report the account as legitimate without providing sufficient evidence. This has negatively impacted my credit score and financial stability, and the lack of corrective action is both unfair and deeply frustrating. 

Unknown Collection Agency : Unknown : XXXX : {$230.00}
Product: Credit card or prepaid card

I wanted to block all future charges on my credit card. It took 5 days to do this. I was on hold in excess of 25 minutes twice. The automated system did not work.it is very non-professional and frustrated. This credit card was issued by Comenity Bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

The whole issue we are trying to resolve is I refinanced and didn't receive anything in the mail from XXXX XXXX untill you called in XXXX saying I missed XXXX payment and I didn't know you billed me. I was waiting for my first statement. So when I got the call the XXXX payment was missed ... I didn't know where to remit payment and I paid both XXXX and XXXX together. After that I had the payment details and was able to continue paying. 

Because I refinanced and got a new lender I was unaware when and when to pay. Please remove 30 days late reported inXX/XX/XXXX
Product: Debt collection

Last XXXX ( 2015 ) I order a hat from XXXX an online creditor.. phonr number, XXXXXXXXThe had that I received was the wrong type and size. I returned this product since last XXXX ( 2015 ) .To date XXXX is still charging me for the product. Since I refused to pay they had send my account to a collection agency. 
In addition, I usually order product from another online creditoe. XXXX. Approximately 2 weeks ago I had attempted to order products from XXXX. I had experienced prejudical treatment from XXXX staff. Eventually they took my order but, never approved it. About a week later, I called XXXX and was pushed around for almost one hour. Finally a supervisor from XXXX customer service, in a nasty tone of voice said that she had cancelled my XXXX account because my XXXX account was send to a collection agency. I should not be paying for any product that I did not have or received. In addition I shoild not be discriminated against because some staff members from XXXX have that authority to discriminate at will.
Product: Money transfer, virtual currency, or money service

I sent a XXXX which was suppose to be {$70.00}. Well {$700.00} was sent. My bank will not respond and neither will the person i sent it to.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act Office of The Atty Gen XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 sec 602 A states I have the right to privacy.

15 U.S.C 1681 sec 604 A section 2 : It also States A consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

At this point, I'm retaining an attorney if you can not stop what's happening. I told you FORD MOTOR COMPANY refuses to take a debt off. Instead, they repost the debt as new to keep it on intentionally longer than allowed. Further, I told you the XXXX collection debt can't be a collection as it's actually on my report as a closed by consumer paid in full debt, so how can it be positive AND negative at the same time? 

Please do your job and get FORD MOTOR COMPANY who has now moved themselves back as a newly delinquent debt on my XXXX and XXXX account as well as changing their name on another of the XXXX agencies as XXXX of XXXX. 

Thank you. XXXX XXXX XXXX
Product: Payday loan

Arrowhead advance got paid XXXX for a XXXX dollar loan I offered to pay them the balance of XXXX dollars due. Today they debuted my debit card for XXXX so they have gotten paid XXXX the XXXX loan is illegal in my state of California.mi emailed the, weeks ago and they acknowledge my revocation to stop all ach and debit card transaction yet today they debited my account. These types of loans are illegal in my state and yet they still debited my account. I have disputed the charge with XXXX XXXX.
Product: Money transfer, virtual currency, or money service

I am writing normally expressing my concerns regarding sales handling of disputes, particularly in light of recent CFPD lawsuit, highlights significant issues with the platform, despite using Zelle numerous times and reporting discrepancies my financial intuition in Zelle sale to investigate my adequately they informed me that recovery lost funds was impossible, and the tracking these transactions was unfeasible CFPBs finding indicates that Zelle has not only neglect to protect customers, but also allow repeated access to exploit the system, leaving user vulnerable to scan the lack of accountability and transparency is unacceptable and raises a serious concern about consumer safety
Product: Debt collection

I reached out to XXXX XXXX XXXX ( XXXX ) on XX/XX/XXXX for a collection account assigned to Medical Data Systems , Inc. and spoke with XXXX in billing. She stated XXXX needed to research to verify the charges. XXXX took my current address and updated it in the system. I asked her to make a note that this address is my address and should not be associated with the person/record they have on file. They address that they had on file prior to XX/XX/XXXX when I called was not me and is not associated with me in anyway. XXXX also confirmed that they had my social security number. I asked if she had my birthday and she was not able to confirm. I also asked about the general characteristics ( height, size, weight, etc of the person they have on file ), she was not able to disclose that either. XXXX did say that XXXX has a process for verifying if their information is correct and for me to call back in 7-10 business days. 
I called back and spoke with XXXX on XX/XX/XXXX. XXXX advised that they were still investigating and would need until XX/XX/XXXX to complete. I asked how they would be able to determine if their records are correct if they do not receive any additional information from me like my driver 's license, background, etc. She repeated what XXXX previously stated that XXXX has a " way '' to determine if their information is accurate. 
I voiced my frustration with their process and conflicting information I received from one person to the next. I reiterated that I've never been to their hospital and I've never authorized anyone to visit their hospital or any affiliated entity of XXXX and to please update their system and their collection agency ( Medical Data Systems ) ; and to contact the credit reporting agencies including XXXX, XXXX, and XXXX  to delete the inaccurate account off my credit.
Product: Credit reporting

Experian is continuing to report incorrect personal information on my credit report that I have disputed numerous times. 

Incorrect Names XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Address : XXXX XXXX XXXX XXXX NJ XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter addressed to the Credit Bureaus last XX/XX/XXXX requesting that the Credit Bureaus conduct an investigation and correct the information being reportied by the furnishers. I have also sent letter before the said date and have been waiting for the Credit Bureaus to responf and yet they have sent me nothing. The 3 credit bureaus must validate these accounts in line with FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX  XXXX Balance {$1200.00} Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Balance {$270.00} Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX Balance {$1800.00} Date opened XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian refused to honor my request to delete the fraudulent information after I supplied all of the documents that they required. Experian XXXX XXXX XXXX XXXX-PLEASE DELETE XXXX XXXX XXXXPLEASE DELETE XXXX XXXX XXXX-PLEASE DELETE XXXX XXXX XXXX XXXXPLEASE DELETE XXXX XXXX XXXXXXXX-PLEASE DELETE XXXX XXXX  XXXXPLEASE DELETE XXXX XXXX XXXX-PLEASE DELETE XXXX XXXX XXXX XXXX-PLEASE DELETE XXXX XXXX XXXX-PLEASE DELETE XXXX XXXX XXXX XXXXPLEASE DELETE XXXX XXXX XXXXPLEASE DELETE XXXX XXXX-PLEASE DELETE XXXX XXXXPLEASE DELETE XXXX XXXX PLEASE DELETE XXXX XXXX XXXX XXXX XXXXPLEASE DELETE XXXX XXXX XXXX-XXXX-PLEASE DELETE XXXX XXXX XXXX-PLEASE DELETE
Product: Checking or savings account

On the XXXX  of XXXX I decided to gather all the information I needed to change banking institutions. I was changing from Capitol One to XXXX XXXX. But before I proceeded I decided to make my car payment. Next, I called Social Security Administration to have my XXXX payments directed to XXXX XXXX and discontinue using Capitol One. After I completed everything I proceeded to pay for my storage facility with my Capitol One card, and the card was declined. I called and explained to them what happened and they insisted that the payment went through. I called the storage facility in XXXX, Texas and they said that they had not received a payment. I called Capitol One 4 times the same day and they insisted the payment had been made. I called the storage facility and they insisted the payment was not made. Capitol One finally gave me a a sequence code, but the young lady at the storage facility has not responded regarding any payment being made. Capitol One has stolen small amounts of money from my account without my permission. The month of XXXX when I received my XXXX payment I had a dollar remaining in my account. The Monthly payment is XXXX, XXXX, adding XXXX dollar would have made it XXXX, but it was XXXX. There have been recently other monies missing from my account.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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 has violated my rights. I looked at my XXXX credit report on XXXX XXXX XXXXXX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to 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: Debt collection

Experian is calling me XXXX calls yesterday. They want to speak to " XXXX ''. There is no XXXX here as I have repeatedly told them. They have the wrong number but won't believe me. I keep blocking them, they use another line.
Product: Checking or savings account

On XX/XX/2020, I had my latest phone call with PNC regarding a security feature they put on accounts related to, what they call 3rd party apps not controlled by PNC. In question, I am a consumer of XXXX and was attempting to do a withdraw from my XXXX account to my PNC account. I received a message from XXXX after verifying my banking information that stated the following : " PNC has made a change that prevents you from being able to link your accounts. File a complaint with the CFPB. The Consumer Financial Protection Bureau makes sure banks, and other financial companies treat you fairly. You can alert PNC that you need access to your financial data by filing a complaint with the CFPB. '' I have spoken to PNC on 2 occasioins, with tonight being my latest call. In both calls, they said they would " note my concerns in my account '' and tonight, the representative hung up on me after I asked the date the change in policy accorded, reflect 3rd party apps, since as a banking consumer, I was not made aware of these changes prior to, and I have successfully transferred funds prior.
Product: Credit reporting

I have a XXXX XXXX credit card not showing up on all XXXX bureaus ' reports. I got the credit card in XXXX 2015. It 's been more than 90 days and I still have not seen the card showing up on the reports. I called all of them. XXXX helped me to submit a dispute, which then gets solved in 1 day. My credit card now shows up on XXXX report. However, after calling Transunion and XXXX, they refused to submit a dispute ( claiming a dispute can only submitted for an existing account which makes no sense ). I need the credit card to show up on all XXXX reports.
Product: Credit reporting

I was seeking information on lower interest rates for mortgages for my Daughter. When the form asked for my SSN, I opted out not wanting to give my SSN since I was not inquiring for myself. At this point I assumed it would close the form and no harm done. This appeared as a hard inquiry on my XXXX and Equifax Credit Report that resulted in lowering my Credit Scores.The company that filed the inquiry was XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Equifax, XXXX, and XXXX have my XXXX XXXX XXXX account as a Charge-Off which is certificate of indebtedness. Its now income and it needs to be removed. Which is a violation of my privacy rights under 1974. 

Date : XX/XX/XXXX Amount : {$15000.00}