23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

My wife received an email about an account that was opened up in my name back in XX/XX/2022. She called to ask me if I had done this and I said no. She called Bank of America and spent over an hour trying to figure this out, she added me to the call and before we could get an answer from someone, we got disconnected. At the end of last month, we received a bank statement from them with a - {$4.00} service fee. I called Bank of Americas service line on the invoice XXXX and got sent to 3 different departments. The last person that I spoke with gave me a claim number and also a phone number for the FTC to call and report it and they could check to see if anything else was done to affect my credit ( any loans taken out against me or something else like that ). All of it seemed strange to me and not quite right. On the FTC website they didn't list a contact number, the one I was given was XXXX and I didn't want to call if there was a chance it was another scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with EXPERIAN AND XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$50.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting, credit repair services, or other personal consumer reports

Dear Sir or Madam, I checked my personal credit report, which I acquired from your organization and I noticed unauthorized credit inquiries had been made. I contacted the following : XX/XX/XXXX 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 Who conducted the inquiries and asked them to remove their credit inquiry from my credit profile. 

I request that you initiate an investigation into the ones named above on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the inquiry and send me an updated copy of my credit report at the address listed above. 

In you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. 

Thank you for your assistance in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

After carefully reviewing my consumer report, I realize my consumer rights have been violated. According to the Fair Credit Reporting Act, 15 USC 1681a Definitions : Rules of Construction ( 2 ) ( a ) ( i ) States the term consumer report doesnt not include any report containing information solely as to transactions or experience between the consumer and the person making the report. Late payments are a form of transactions and utilization is an experience created by credit usage. XXXX, XXXX AND EQUIFAX ARE reporting late payments on multiple accounts ( XXXX XXXX XXXXXXXX ) and/ or Utilization is an experience created by credit usage. 15 USC 1681b ( a ) ( 2 ) states any consumer reporting agency may furnish a consumer report under the following circumstances and no other, in accordance with the consumer to whom it relates. I never gave XXXX, XXXX AND EQUIFAX OR XXXX XXXX written instructions to report anything to my consumer report, let alone this late payments/utilization. Also, according to 15 USC 1681 602 Congressional findings and statement of purpose states, There is need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. It also states the banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting method undermined the public confidence with is essential to the continues function of the banking system. Nothing about the reporting of these late payments are accurate and my privacy has been violated due to XXXX violated my consumer rights by allowing these late payments/utilization to report to my consumer report! 

XXXX, EQUIFAX, XXXX AND XXXX XXXX ARE IN VIOLATION OF 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( b ) OPT OUT ( 1 ) IN GENERAL A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
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 XXXX XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year> 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 information is inaccurate.
Product: Credit reporting or other personal consumer reports

Equifax Credit Bureau, please remove any and all negative items and inquiries from my credit reporting account, sent cc, to attorneys General office of Georgia
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$330.00}, and XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$10000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX. I am a XXXX XXXX currently in XXXX  in XXXX XXXX XXXX, UT. This past XXXX I had made the decision to pay the minimum payment for my student loans. Prior to this I had consistently over paid ( to pay down interest/principle ) w/ a great overall credit score to reflect this ( mid 700 's at that time ). In XXXX I had decided to lower my payment ( to minimum payment due ) to increase my liquidity given the Covid-19 pandemic. At that point, I had several colleagues who were furloughed and or asked to take pay cuts. I was more or less trying to plan ahead for an unfortunate event like this. To my surprise, my credit score would drop by 55+ points ( transunion and XXXX  ) secondary to my loans accruing slightly ( some by less than {$20.00} ). Obviously, I had no idea this was possible or I would have over paid like every other payment. The following month, the government decided to provide for loan deferments to specifically address this problem. I would like to file a formal complaint in that this situation/event should have been prevented and by no means have dropped my credit score so drastically ( if at all ) especially during a global pandemic. To make matters worse, I am a XXXX XXXX XXXX  putting myself at increased exposure during this pandemic to find that there are little protections against a practice like this. This has been made more frustrating by the fact that I am actively trying to purchase my first home and no longer qualify for most XXXX  loans secondary to my change in credit score. By simply trying to do the " smart thing '' and " plan ahead '' I am no longer able to achieve milestones in my life that would have otherwise been easy to achieve. I have had discussions w/ my student loan servicer ( XXXX ) as well as the reporting agencies. I've been told that as long as the information is in fact correct ( that my loans did increase slightly ) that there is nothing they can do for me. Hence, the reasoning for my formal complaint to the CFPB.
Product: Bank account or service

I signed up on line for a XXXX XXXX credit card. When I submitted the application, they instead created a XXXX XXXX XXXX which is not what I signed up for. I know about this scam because I know people who bought stuff on XXXX and without their knowledge the purchases were defaulting to XXXX instead of their bank accounts, and at ridiculous APRs. I called right away to tell them I do not want a XXXX and it has been over 2 hours talking to people at XXXX. The minute I tell them I want to cancel a XXXX they transfer me to an indefinete hold queue. This type of sleazy bait and switch I would expect from used car sales, not a large company like XXXX.
Product: Debt collection

I collection balance was added to my credit report with failure to notify me of the balance of {$200.00}. When I contacted Optum Outcomes INC, they verified a telephone number of XXXX that I have not had in three years and an address of XXXX XXXX XXXX XXXX XXXX, WI that I have not lived at three years. I insisted on speaking with a collection department supervisor. XXXX ( supervisor ) got on the phone and instantly started to ask for payment. I informed her that I was not aware of the balance and had full medical coverage throughout that time. XXXX did not want to listen to my concerns or issue with the failure to notify, and continued to insist on payment. 

I was not properly made aware of this balance. The medical college billing department confirmed that they had outdated mailing and telephone information. Then they also did confirm that they were receiving returned mail, so I dont know why the collection company said that they were not receiving returned mail. I even called that phone number with the collection rep on the line, and it said right there, it is not a working number.
Product: Credit reporting, credit repair services, or other personal consumer reports

I obtained a copy of my credit report and observed that there are fraud items on my report. I have disputed with Equifax and it's still not resolved. This fraud items are severely impacting my life. 
XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX {$0.00} XX/XX/XXXX CHARGE-OFF I did not authorize or open this account above and have in several letters provided Equifax with affidavit and police report and have not received a response. 

This are fraud and unauthorized inquiries on my credit report as well that are negatively impacting me and credit report. 

XXXX XXXX XX/XX/XXXX XXXX : :XXXX XXXX XX/XX/XXXX XXXX   XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

As of today, XXXX  lowered my score by 38 points. All the while, my balance continues to lower. I recently lowered my balance for two accounts by {$150.00} each an overall decrease of {$300.00}. In addition, this is the second time I have complained regarding this very same practice. They are constantly lowering my score despite my building excellent credit. In addition, I only have three open accounts, yet XXXX has me with four accounts. This has got to stop. This should not even be permissable. I would like to know what next steps I can take besides contacting you regarding this issue. I want it to stop permanently. I do not want to keep taking hours out of my day to defend erroneous actions against my ability as an XXXX to obtain goods and services at a fair rate.
Product: Debt collection

Dating back to XX/XX/XXXX up until now XX/XX/XXXX Ive been a victim of identity theft and data breaches putting me in debt with numerous fraudulent accounts and transactions unauthorized thousands of dollars were charged in fees and debt credit card accounts and loans were also fraudulently opened causing me poor credit and debt thats very difficult to fix. Ive filed police reports and tried reaching out to the companies in question with no success I ask all parties that you remove and block the negative inaccuracies and false statements and accusations against me due to identity theft I have all documents and much proof I can attach with my complaint please acknowledge and accept my claim
Product: Money transfer, virtual currency, or money service

Hello, I've been trying to log into BAM XXXX XXXX XXXX XXXX ( DBA as binance.us ) for the past week with no success. I'm entering the correct username and password, but neither of them work. So I click on the " forgot password '' link and it says it will send me a password reset link, but it never does. I have tried this over a dozen times unsuccessfully. So then I go into the help menu, and go through a series of XXXX steps, and then after a certain point, I click on XXXX and it just opens up another tab that brings me right back to the very beginning, so I have to start over and then just keep repeating the steps endlessly. Other times thehelp menusays no help is available, but they will email me as soon as it is. But this never happens. I have also checked on XXXX and this seems to be a recurring problem with many, many people. It is quite obviously an intentional attempt to steal people 's crypto by making it impossible to login, especially as all XXXX crypto exchanges are doing this. I need assistance with this ASAP and very much appreciate your time.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX  XXXX XXXX XXXX XXXX XXXX was never XXXX XXXX I have had exceptional payment history with XXXX XXXX XXXX XXXX XXXX XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in months that are reported late to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Debt collection

I was garnished. I never received any notification of garnishment. The bank sent me the notice and placed a hold on my money. The addresse on the notice was from a old number that was about 8 years ago. I am a XXXX veteran rated at 100 % I was told that my compensation was exempt. I notified the bank and was told that the court told them to hold it. I tried to show them the rules on your site to no avail. Had court hearing and the judge ruled against me. I tried to point out the rules but he ruled against me anyway. I also had money from FEMA to make repairs on my home. Please help I have no one to help me. thanks in advance.
Product: Debt collection

On XX/XX/2022. I made a phone call to Midland Funding in regards to the validity of two reported debits from XXXX bank and XXXX XXXX XXXX in the amount of {$430.00} as granted by the Fair Credit Reporting Act. I requested the following documentation ; Original contract from the merchant with signature, Original merchant information, Itemized billing statements, and proof of ownership from the current debt collector. On XX/XX/2022 I received all requested documents except the original merchant contract for XXXX XXXX and absolutely none for the XXXX bank. On XX/XX/2022 I once again contacted Midland Funding and requested the missing information only to be told by the operator that they had no other documentation in regards to the debts. I inform them that this was a violation of the FCRA and that if it is not removed from my credit i will be filing a complaint.
Product: Money transfer, virtual currency, or money service

I had loads of unauthorized transactions from XXXX  as soon as i noticed them i called chime and let them know what was happening. This happened multiple times. Replaced my card and waited for bank to investigate. They denied my claims and when i asked they them why they sent me a list of the transactions i was disputing. Ive called, emailed, chatted via app and nothing. No help whatsoever from Chime.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account with Experian. I check regularly The problem which has been happening for XXXX  years : XXXX month, a XXXX year old credit card, was showing CLOSED. 

A few times a year, I check my report and SURPRISE! That credit card is showing OPEN and a dozen missed payments NOT ACCURATE I COMPLAIN TO EXPERIAN XXXX THERE RESPONSE IS : this account has already been disputed, nothing we can do. Such XXXX! 

PLUS XXXX GETTING READY TO MOVE! So credit checks will be occurring. 
XXXX so angry. This WILL ABSOLUTELY PREVENT MYSELF AND FAMILY FROM BEING APPROVED! 
Cards that flip flop every few months, closed XXXX  month - no late pymt history- month later it shows as an OPEN ACCOUNT XXXX  months late!! 

PLEASE HELP
Product: Debt collection

According to Section 1681i ( 7 ) of the U.S. Code, the method used to verify this account is flawed as it was reported without sufficient evidence.

I want to emphasize that I did not open these accounts nor did I authorize anyone to do so on my behalf. I have been disputing these entries for some time now. While I acknowledge the importance of accurate reporting, I firmly believe these items are erroneous. Therefore, I urge you to investigate these matters and promptly remove them from my credit report.