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

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately. NAME OF ACCOUNT ACCOUNT NUMBER VERIFICATION XXXX XXXX XXXX Validate Account. 
XXXX XXXX  I XXXX Validate Account.
Product: Debt collection

In accordance with the FCRA, the following accounts listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts must be removed immediately, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXept Of Education. 15 USC 1681Section 602 ( a ), states I have the right to privacy, 15 USC 1681, Section 604 A2, also states that a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1681 c ( 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. Lastly, 15 USC 1681 s-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 in accurate. I'm requesting that the accounts above be deleted immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had the account for 3 years and never missed a payment until the end of the loan so they claim. They are reporting current no past due history with XXXX, EXPERIAN late 30 days ( XX/XX/2019 ) and XXXX ( XX/XX/2019 ). This company has never even sent a statement advising that that the account was past due and the statement that I did receive showed an incorrect balance. I reached out to the company and requested to have the 1 late payment removed as a Goodwill, it was declined due to FCRA guidelines. The credit bureaus advised me to contact the company and ask for a deletion since the account had been paid in full and the negative history was hurting my score. The company stated that it was against their policy to do so. I think that this company has discriminated against because they use unfair tactics, they never reported a late payment until the account was closed, never sent a statement with the correct balance showing that my account would be past due and has violated FCRA guidelines.
Product: Credit reporting, credit repair services, or other personal consumer reports

Knight Adjustment Bureau is reporting a debt on my credit file that I do not owe. I recently check my credit and noticed this debt on my credit file. I called immediately and paid off this debt. I never received any calls, letters, or notices about this debt and I'm pretty sure this violates my 30 day right to dispute.
Product: Credit reporting or other personal consumer reports

i am victim of identity theft with XXXX XXXX breach, i have filled out forms with FBI XXXX and I have included those documents to support I have to clear out all of these inquiries with these companies these inquiries are unauthorized and I demand them to be deleted and erased ASAP as they are violation unauthorized and unlawful violation to consumer rights
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX and I currently reside at XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. My date of birth is XX/XX/XXXX and my Social Security Number is XXXX. I am writing to you regarding a few discrepancies I have encountered in my credit report. I am a victim of identity theft and I need your help to remove this fraudulent account. 
While checking my credit report, I noticed accounts, I did not authorize was made by the following that I will be listed below. I did not authorize any of these employers/employees at these companies to approve or view my credit report. This is a serious breach of my privacy rights and violates the Fair Credit Reporting Act 605B. I would like to request that these accounts and addresses be immediately removed from my credit file that Experian has under my Social Security Number. I am requesting that you place an immediate block on the following fraudulent information in my credit file within 4 days of receipt of this correspondence. 
Please block this fraudulent information per section 605B, 615 ( f ), and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I also found fraudulent addresses which will be listed below. 
FROUDULENT ADDRESSES! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

I open the account on XXXX XXXX With Bank of America XXXX XXXX XXXX XXXX XXXX the associate name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, the account was closed {$830.00} XX/XX/2021 with out my permission I went ones to the ATM to take out some money from my account and it said account closed, talk to a associate inside the bank, so I did, I talk to a associate from the branch from XXXX XXXX Bank of America and he couldn't answer me what happened to my account and my money, he told me call the customer service line or make an appointment, I told him an appointment for what if you are gon na tell me same thing duhhhh, so I did call the customer service line and they answered that they didn't know what happened or who from bank of America closed my accounted but that I would be receiving in my mail a cashier 's check for {$830.00} in 7 to 10 working days, well I never received nothing then I called them again after a month and then they told me it would be 90 working days now, I said ok, well it's being a year now and I need and want my money, because I worked hard for it, it's not fair and not rite that bank of America is stealing money from the clients or keeping money, I almost lost my house and my car, I trusted bank of America with my money and what they do closed my account and mail my money some where else with out me knowing
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute for personal information, XXXX former addresses XXXX to Experian to remove former addresses listed on my credit report. I do not live at those addresses anymore and they are reporting incorrectly. I asked them to remove these addresses and they just updated the addresses without removing them. I sent Experian my State Identification and a utility bill to have my current address listed only.
Product: Payday loan, title loan, or personal loan

I found the company through XXXX XXXX and applied. I received hundreds of emails, texts and phone calls that I was approved but needed to send documents to finalize. I provided all the proof. They ran my credit- a hard hit and said I need a co-applicant. Their advertising and emails are all lies and unprofessional.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested that the information on my credit report be looked into and I also requested an official copy of my credit report but I was ignored every time I reached out. 

I now have reason to believe that I am getting ignored by the credit bureaus due to their negligence to respond to my request and that goes against my rights under the fair credit reporting act. This is not right and I am now getting impatient because I feel like I am getting taken advantage of.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX Account # XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my right. 

15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX decided to close my account and when I had regularly posted payments on time for years. I feel I have been discriminated against and that its against the law of 15USC ss1666.

I told them I lost my job in 2020 and got set on a payment plan well when Ive started working again they just closed the account and they refuse to reopen it. This is negatively impacting my credit score.
Product: Credit reporting or other personal consumer reports

Delete hard inquiries In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidenciality under 15 USC 1681.

The accounts below have violated my rights. 15 USC 1681 section 602A.

States I have the right to privacy.

15 USC 1681 section 604 A section 2 : it olso states a consumer reporting agency can not furnish and account without my written instructions.

15 USC 1681c. ( a ) ( 5 ) states no consumer reporting agency may make any consumer report containing any of the fallowing item of information. Any other adverse item of information other than records of convictions and crimes which antedates the report by more than 7 years.

15 1681 s-2 ( A ) ( a ). A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable couse to believe that the information is inaccurate.

Delete accounts below. 
XXXX XXXX XX/XX/2023 XXXX XX/XX/2022 XXXX XX/XX/2022 2022
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

Is a Gift Card Visa from VanillaGift.com I bought it at XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX the Amount {$250.00} dollars I have problem to activate I call The XXXX XXXX they ask me for the receive I send all the information to the email : XXXX XX/XX/2022, XXXX XXXX  now they tell me that the card was used on XX/XX/XXXX for {$250.00} dollars in a restaurant How is it possible, if they told me that it took 5 to 7 days to activate it? 
but nevertheless they never sent me an email showing that the card was activated now they tell me that they are going to open a case XXXX ID : XXXX for me look like a scam because I never Used a card
Product: Mortgage

RoundPoint Mortgage Servicing LLC is routinely sending statements late. In point, I have a payment due XX/XX/XXXX and as of today ( XX/XX/XXXX ) I have not received my statement. Last month 's statement was so late that, even though I mailed my payment the next business day after receiving it, the payment was received after the grace period and I was assessed a late fee. This is a routine issue with XXXX and I have called them multiple times with no sign of them even attempting to fix the issue.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the accuracy of certain information reported on my credit report. Under the authority of the Gramm-Leach-Bliley Act ( GLBA ), specifically 15 U.S.C. 6802, I am asserting my right to opt out of the sharing of my personal information and request that you correct the inaccuracies on my credit report. The specific account in question is : XXXX XXXX CO, XXXX XXXX. The information being reported is incorrect because the payment history on this account is absolutely inaccurate. In accordance with 15 U.S.C. 6802, I am requesting that you : Verify the accuracy of the information being reported. If the information can not be verified, it must be promptly deleted from my credit report. Cease sharing my personal information with third parties without my explicit consent, as per the opt-out provisions of the GLBA. Provide me with a confirmation that these steps have been taken and that my credit report has been corrected accordingly. Enclosed with this letter are copies of relevant documents supporting my dispute. These documents should be used to substantiate my claim and facilitate a swift resolution to this matter.
Product: Debt collection

In XXXX, XXXX, I lost my job, and was still paying my credit card bill, until XXXX, XXXX, when I was just unable to pay my XXXX XXXX Bank credit card anymore. I have enclosed my last statement I paid in XXXX of XXXX. Please note the amount was {$4900.00}. Consequently, a judgement was filed against me in the summer of XXXX, for the amount of {$5900.00}. That amount difference was understandable and I planned to pay whenever I got a job. That did n't happen. Finally, in XXXX of XXXX I was able to get a job and pay on other garnishments, from XXXX XXXX XXXX XXXX XXXX. 
Now, I see that XXXX XXXX XXXX has filed to revive the judgement that XXXX XXXX had filed on behalf of XXXX XXXX, XXXX this time for the amount of {$9700.00}. I do feel that XXXX XXXX XXXX is doing this out of a vendetta they have towards me. I feel that the garnishment should not be revived because of XXXX reasons : XXXX XXXX XXXX XXXX XXXX bought this specifically because my name was on it, and XXXX ) the exorbitant amount that they want is just not owed. This feels like a personal attack from XXXX XXXX XXXX, because they did n't own this account, until now. They did not file the original judgement.
Product: Credit card or prepaid card

Between XX/XX/2019- XX/XX/2019, my ex had been using my credit card behind my back. I found out about it in XXXX of XXXX and tried to throw him out. He refused to leave and I had to call the police to remove him. 

I filed a police report and Capital One negated all the charges at first. A few months later, the charges were returned to me and now Capital One is trying to sue me for charges that were illegally processed behind my back. 

They claimed the charges were returned because he lived with me. We all know that my roommates aren't authorized to use my cards without my permission because they're my roommate.
Product: Checking or savings account

Attempted to open credit karma XX/XX/XXXX but it failed to open because it claimed it couldnt verify my information when i am well within the system. This is ridiculous
Product: Checking or savings account

XXXX XX/XX/XXXX ( Wednesday ) Note : Please note that we are unable to respond to or review information that has not been made available to the complainant. COMPLAINT ID : XXXX. SUBMITTED XXXX As of XXXX XX/XX/XXXX ( Tuesday ), and I have NOT received a response from Bank of America USA . As of XX/XX/XXXX, I have NOT received a response from Bank of America USA. I have NOT received a response from Bank of America USA via XXXX, XXXX, Personal courier, Professional courier, XXXX XXXXXXXX. Review the companys response to your complaint. ( The company has responded to your complaint. Log in to the Bureaus secure website to review the companys response online. You can also review the companys response by phone with someone. Thank you for participating in our complaint process. This complaint is now closed. COMPLAINT ID XXXX SUBMITTED ON XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX Friday Bank of America , U.S.A. Consumer Financial Protection Bureau Attn : Consumer Financial Protection Bureau Subject : Inquiry Regarding Banking Practices and Legal Obligations Reference : 1. Consumer Financial Protection Bureau Complaints ( 2 pgs. ) 2. XXXX XXXX ( 4 pgs. ) 3. CFPB Complaints : XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX Bank of America XXXX Consumer Financial Protection Bureau , I am reaching out to file an additional compliant on certain banking practices and the legal obligations that banks must adhere to, particularly in relation to customer information and potential retaliatory actions. I have recently encountered situations that have raised concerns regarding the sharing, closing accounts being investigated, selling/sharing of clients personal information, and withholding of information. I am seeking information to better understand the bank 's policies in these areas and how they align with relevant legal regulations. Specifically, I am interested in whether it is against the law for a U.S.A. bank to engage in retaliatory actions against a customer who seeks information or lodges a complaint. XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX Transparency is crucial in maintaining trust between customers and their financial institutions, and I believe a clear understanding of these matters is essential for both parties. If there are specific legal provisions or guidelines that govern the sharing, closing, selling, and withholding of customer information, I would appreciate it if you could provide me with relevant details. I appreciate your attention to this matter and look forward to receiving information that will help clarify these aspects. Thank you for your prompt response and assistance. Respectfully submitted, XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

There is an inquiry on my Transunion Credit Report that does not belong to me. I demand the following fraudulent inquiry be deleted from my Transunion credit report immediately. Please remove the following - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

In accordance with the Fair Credit Reporting Act the list of accounts below have violated my federal protector consumer rights to privacy and confidentiality under 15 U.S.C. 1681, Section 604A Section 2. I have not provided my written consent to either consumer, nor have I permitted XXXX XXXX XXXX XXXX permission to place the below items on their credit reporting platforms. The information is inconsistently reported throughout my credit report which I have highlighted the inaacuracies and want them DELETED off my credit report. Because of the inaccurate information I have been denied credit to purchase a home for me and my family, a car, new credit cards, and any such credit I choose. 

List of Negative Accounts/ Inquiries listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Security Credit Servic XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  As you can see 15 U.S.C 1681 Section 602A states I have a right to privacy.

15 U.S.C 1681 Section 604A Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. 

Three Bureau Credit Report Reference XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ***SECURITY FREEZE : THE FOLLOWING CREDIT BUREAUS REPORT THAT YOU HAVE PLACED A SECURITY FREEZE OR LOCK ON THIS FILE. HOWEVER, THE FILE HAS BEEN DELIVERED TO YOU UNDER THE APPLICABLE EXEMPTION PROVISIONS ( PROVIDING A CONSUMER WITH A COPY OF HIS OR HER CREDIT REPORT UPON THE CONSUMER 'S REQUEST ) : XXXX Customer Statement XXXX : THE INFORMATION WITHIN MY CREDIT REPORT HAS NOT BEEN VERIFIED OR HAS NOT BEEN PERMITTED OR VERIFIED B Y ME, NOR HAVE A SIGNATURE TO BE PLACED ON YOUR CREDIT PLATFORM. PLEASE REMOVE FROM MY CREDIT REPORT WITHIN 30 CALENDAR DAYS. DO NOT CONFUSE ME WITH RELATIVES WITH SIMILAR NAMES OR ADDRESSES. VERIFY ALL IDENTIFYING INFORMATION. DO NOT CONFUSE MY CREDIT FILE WITH PEOPLE OF SIMILAR NAME, ADDRESS OR S SN. VERIFY ALL IDENTIFYING INFORMATION. 
XXXX : - XXXX : I DID NOT AUTHORIZE THIS INQUIRY
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute for two credit cards showing charged off on my credit history. XXXX XXXX XXXX claims I owe them {$400.00}, my original credit line {$400.00} and they are showing a charge amount of {$400.00} and charged off the account after only reporting one ( 1 ) 30 day late payment. The account shows being open in XX/XX/XXXX and current for XX/XX/XXXX and XX/XX/XXXX, 30 days late in XX/XX/XXXX and then charged off in XX/XX/XXXX. This is inaccurate. I contacted XXXX XXXX XXXX  and requesting copies of all documentation regarding my account and the sent me a letter stating they are not obligated to give me the information which is a violation of my FCRA rights. 

My second account with Wells Fargo Card Services, they state that they, charged off an account in my name for {$250.00}. I originally disputed this balance on XX/XX/XXXX and requested documentation to prove or validate this account. By law, if an creditor doesn't respond within 30 days, this account should be deleted from my credit report. Also the account was charged off in XX/XX/XXXX and in my state of Florida, a creditor may only attempt to collect a debt for up to four years. So this is past the statue of limitations and all collections should cease and be removed from my credit report.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 I deposited {$100.00} dollars into my Robinhood account. I am not able to withdraw funds from this account. I was told that if I uploaded my ID I would be able to both transfer my money and trade on Robinhood but that has not been the case even after I uploaded my ID. I want my money free to be transfer out of Robinhood account to my personal account ASAP.