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

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EMPLOYER - XXXX XXXX XXXX XXXX  EMPLOYER - XXXX  EMPLOYER - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

The only contact I received was a phone call from the collection agency wanting payment. I then contacted XXXX XXXX to confirm when the notice was sent to me about this past due money, and they could not provide any notification of any contact from them to me about this debt. The collection company was very aggressive and we worked out a payment plan. I am in the process of buying a house and this debt has ruined my credit score. I was told by my lender that medical debt by law should not be reported on my credit score. I just need this removed from any credit reporting companies asap.
Product: Checking or savings account

I had a Simple.com account. BBVA USA bought Simple and transferred everything over, which was a nightmare ( and a different story ). Now, PNC has bought BBVA, so I went from having a Simple account with customer services reps in the US who were friendly and helpful... to BBVA and now PNC reps in XXXX who are rude and refuse to help me close out my account. My account was transferred without any agreement from me on services and fees. I have now been charged an " overdraft fee '' when I haven't even used the account since the transfer. The account is {$23.00} negative after a {$32.00} fee- if you do the math you'll see that my account wasn't actually negative until their fee. They now refuse to close my account and even hang up on me when I ask for a supervisor. This is the worst banking experience of my life.
Product: Credit reporting, credit repair services, or other personal consumer reports

hello, my name is  XXXX   XXXX  and it is regarding a  XXXX  account number  XXXX  my agreement with them was to remove the account or the negatives from my records, after the payment was complete, ( trustworthy me, did not get any written agreement from the company, just verbal ) therefore, now after payment they are not removing the negatives from my credit reporting agencies.   please followup this matter and report to credit bureaus to remove the negatives ( lates ) from my credit reporting agencies  ).    thank you
Product: Credit reporting or other personal consumer reports

This account is reporting negative and inaccurate information on my credit report. This account is closed and was agreed to be deleted from my report. 

WEBBNK/FHUT
Product: Debt collection

I have reason to believe this collection is fraudulent or is attempting to collect a debt that I do not owe from a previously disputed account.
Product: Money transfer, virtual currency, or money service

XXXX XXXX, XXXX, FREQUENTS CHECK CASHING AGENCY. DIFFERENT RATES CHARGED FOR CASHING MONEY ORDERS. EVEN IF THEY ARE PURCHASED FROM CALIFORNIA CHECK CASHING. SEVERAL YEARS THIS HAS BEEN GOING ON. XXXX, EVERY MONTH, IN PARTICULAR, XX/XX/XXXX TO  PRESENT. MENTIONED IT TO DIRECTOR WHO DID NOT REALIZE A DIFFERENCE. SINCE IT'S MY MONEY I SEE THE DIFFERENCE. IT IS FELT. EMPLOYEES DIRECTOR SAID THAT I WAS NOT GETTING REFUND. INTENTIONAL ACTS OF THIS GROSS NEGLIGENCE WARRANTS YOUR COMPANY OF THIS FORM OF PRICE DISCRIMINATION. TOTAL DAMAGES {$5000.00}. EVASIVE CONDUCT LEADS TO NO CLAIM #, CA PENAL CODE XXXX, {$50000.00}. EMPLOYEE XXXX EXCLAIMED, " FOR  WHAT ''? AS TO CLAIM NUMBER. FALSE PRETENTIONS OF CO-WORKER XXXX SHOOTING ME. THAT'S WHY XXXX DID NOT SUPPLY CLAIM #. A COMMUNICATION I.D . ON XX/XX/XXXX, XXXX, WILL NOT DO.. REQUEST WAS MADE XX/XX/XXXX, DAY OF OFFICIAL CLAIM, XX/XX/XXXX.
Product: Debt collection

I was seen at XXXX XXXX XXXX in XXXX XXXX, GA in XXXX. I told the hospital I had insurance through XXXX. XXXX XXXX XXXX ( XXXX ) is claiming I didn't tell the hospital. It makes no sense for me to have gone to a hospital and not tell anyone I had health insurance.. 

The hospital went bankrupt and shutdown without ever sending me a bill. Since XXXX the hospital has gone through a couple of different owners. I never received a bill or anything regarding disputing this debt. I did not know about the {$3400.00} bill until it appeared on my credit report via XXXX XXXX XXXX in XXXX. They only sent a letter after I called, but claimed they sent one before that. My insurance company refuses to cover the claim because it happened over a year ago. The hospital should have notified my insurance. I should not be liable for nearly such a large sum of money due to a mistake of a bankrupt hospital from years before and a credit service not properly notifying me. There is no excuse for it to have taken so long to show up on my credit report to begin with. If someone had let me know within one year my insurance could have covered it but now it is too late. 
I had to call XXXX XXXX XXXX multiple times to even get someone to pick up. The first time someone picked up they were having a personal conversation with a friend and hung up. I am seriously concerned about the lack of professionalism and these people having my personal information.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act, 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. secondly, i have the right to sue if i think consumer bureaus are preventing me from getting certain loans or benefits by reporting false information on my report. Incorrect credit reporting I have an account that is not correctly reported. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX you have this account as closed with a balance of {$77.00}. but $ $ this account is fully paid-off and balance on it should be {$00.00}
Product: Checking or savings account

On the weekend of XX/XX/2019 I lost my entire purse with my cellphone, and wallet including my USAA debit card, Drivers License, and a few other cards, receipts, and miscellaneous documents.On XX/XX/XXXX I called USAA to inquire about an alert on my account. I spoke with 2 reps that day who advised of a deposit of {$7100.00} which I stated I had no knowledge of nor should the deposit be there. They also advised me of 2 withdrawals shortly after one or {$2000.00} and one for {$2900.00} from a XXXX supermarket. Upon getting this information I proceeded to dispute the transactions. While in that process 2 inquiries also appeared on my credit report one for XXXX XXXX, & one for XXXX on which I disputed as well. At this point my identity has been stolen. I advised this information to USAA as well. About a week or so later i got notice the dispute was completed and deemed not fraud. On XX/XX/2019 {$4900.00} was taken from my account from what USAA states is a reversal of the 2 withdrawals. They have since been contacting me to pay off a collection on the account for the {$4900.00} that was fraudulently taken from my account. I have since had to get many identity theft measures in place and place blocks on everything. I tried to resolve this matter with USAA however to no resolve as once they deemed the transactions non fraud they would no longer assist me. From the beginning of this situation I spoke with about 7-9 different people with the absolute WORST customer service I have ever received. USAA stated that my claim was denied due to the card with the chip being used along with the pin however with everything inside my purse being stolen that information was easily obtainable as my cellphone was also inside.My greatest concern ultimately is how the withdrawals even happened to begin with. If a deposit as large as {$7100.00} was done on an account where no more then 500.00 has ever been deposited the account should have flagged then at that point. The deposit certainly should have at least pended or held for 24 hours being such a large deposit. Not only that the culprit was able to make 2 large withdrawals from the same XXXX store over 2000.00 on the same day of the deposit which should not be able to happen either. I made an attempt to file a police report with the XXXX PD however being that the withdrawals took place in XXXX they stated this was outside their jurisdiction. I am now working with my Lawyer to attempt to resolve and obtain some sort of video of the person making these transactions as it was not myself and is absolutely FRAUDULENT.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018, XXXX XXXX pulled my credit and apparently gave permission to a third party, XXXX XXXX XXXX, to pull my credit on the same day ... which resulted in two credit pulls on the same day ... which I didn't authorize.
Product: Credit reporting or other personal consumer reports

The following inquires are lowering my credit report and prevented me from obtaining bank funding XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I have a collection from Kings Credit Service Account number XXXX balance is showing {$27000.00} on XXXX and {$460.00} on XXXX and not reporting on XXXX. can you help me out please. can you remove this account from credit report. 
Thank you XXXX.
Product: Credit card or prepaid card

Every month I check the Avant app to see my statement. The statement shows my current balance, finance charges, the minimum amount due, and the due date. It then offers the option to make a payment using the checking account I have on file with the app. 

On XX/XX/XXXX I checked the app and it showed my balance, finance charge, and minimum amount due for the current billing cycle. The due date shown was XX/XX/XXXX. I used the app on XX/XX/XXXX to pay {$50.00} ( the minimum amount due was {$25.00} ). {$50.00} was withdrawn from my checking account by Avant on XX/XX/XXXX. 

On XX/XX/XXXX I checked the app to see if my next statement was available. Instead, I was met with a notification that I had missed my due date of XX/XX/XXXX and had been charged a {$25.00} late fee. Since I had made a payment on XX/XX/XXXX that was charged to my bank on XX/XX/XXXX, that payment SHOULD have counted toward the due date of XX/XX/XXXX. However, upon calling Avant " customer service '', they maintain the payment only went toward my balance and did not satisfy my due date even though a statement had been generated. They claim the payment was made on the " last day of the billing cycle '' and therefore does not count as a payment toward the next due date. I asked that this be rectified and was instead disconnected. 

I called back immediately and the next representative argued the same thing. I politely explained that I would not have made a payment if a statement hadn't been generated and they continued to argue that it didn't count toward my due date. The representative would not remove the late fee from my account and instead offered a " waiver ''. The next day I received an email informing me that the waiver was denied. 

I have NEVER been late with my payments to Avant. I have 7 statements from Avant and my bank account shows 7 payments within days of receiving those statements. I would NOT have made a payment on XX/XX/XXXX if the app did not show that my next due date was XX/XX/XXXX. I understand how billing cycles work and I did not want the payment to go toward my balance without satisfying the minimum due for the next cycle. 

Avant charged me a {$25.00} late fee for an on-time payment and now my credit rating may have been impacted. When I asked to have any record of a late payment removed, I was told " no ''. When I asked to have the fee waived, I was denied. Due to this incident, I have since closed my account and will settle my remaining balance over the next three weeks. I believe Avant is in the business of taking advantage of individuals with poor credit when we have very few places to turn. They have no interest in helping anyone but themselves.
Product: Credit reporting or other personal consumer reports

I have recently obtained copies of my personal consumer credit report ( s ) and have discovered questionable and/or inadequately verified data in my file at your company 's office ( s ), as reported on my reviewed files. I am concerned that this information may have been inadvertently or intentionally re-added to my credit report profile by your company 's office ( s ) following its earlier removal from reporting, without issuing the requisite 5-day notice to me as mandated by reporting regulations that you MUST comply with. 

As per the Fair Credit Reporting Act ( FCRA ), any item of reporting that has been previously removed can not be reinserted onto any consumer 's credit report profile without written notice from at least the accepting credit reporting agency ( ies ) /repository ( ies ) directly to me, the injured consumer, within five ( 5 ) business days of the alleged date of reinsertion. I want to inform you that I have not yet received any such notice or confirmation of the accuracy and completeness of your reported claim ( s ). 

NOTICE FOR REMOVAL OF INQUIRY REQUEST : According to Section 604 of US CODE 15 USC 1681 et seq., it is clearly stated that any entity requesting access to a consumer 's credit report must have a lawfully acquired and permissible purpose as outlined by the Fair Credit Reporting Act ( FCRA ). We demand to know if you and/or any other reporting party have provable and demonstrated lawful permissible purpose ( s ) for obtaining my credit report profile or any portion thereof. You must provide physically verifiable proof of this lawful permissible purpose, even if I have not authorized the inquiry or have no knowledge of it. Failure to provide such proof means that you must remove any inquiry reporting related to the event ( s ) in question. I am challenging you to demonstrate your mandatorily submitted permissible purpose proofs, and I hereby demand that you delete any such alleged inquiry reporting upon your failure to do so in a timely manner, whether willfully or due to your reckless ignorance.

Your agency is in violation!

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

Received call from XXXX XXXX XXXX claiming to be XXXX  XXXX and confirming an e-credit card application, if it was my application, it wasn't so I said no. 
Then called from XXXX XXXX XXXX claiming to be from Experian saying I need Identity theft protection. They had my last 4 digits of SS No # and had my credit report they were reading from. I interrupted and stated that perhaps the phone caller was the identity thief and why did they have a copy of my credit report. He then hung up
Product: Checking or savings account

My partner and I were traveling in XXXX. On XX/XX/XXXX we were XXXX and robbed in our XXXX XXXX. Numerous items were stolen, including my phone and wallet, XXXX  Drivers License, etc. They managed to get into my phone and create a XXXX account with my TD Bank account. They created XXXX transfers totaling {$2500.00}. We were passed out from whatever they drugged us with for 14 hours. Once we came through we noticed the missing items. We called the police and were sent in an XXXX  to a nearby XXXX. We also filed a police report, which we provided to TD Bank. Once I got access to my emails I saw the transfers. The email confirmations provided an email and a phone number to reach out if it was fraudulent. I immediately reached out to TD Bank via email and by phone, this was on XX/XX/XXXX. I explained all and in my mind all was being taken cared of. My money was still in my account for up to 2 days in pending status. They still managed to let my money be transferred out. I reached out to them via emails that they provided with an update and eventually received bounce backs stating the e-mails were not valid.
Product: Credit reporting, credit repair services, or other personal consumer reports

US DEPT OF EDXXXX, XXXX, and XXXX Are breaking the law as I did not provide the companies listed with permissible purpose for reporting STUDENT LOANS ACCOUNT XXXX to my credit. 

Congress has limited the use of consumer reports to protect consumers ' privacy. all users must have permissible purpose under the Fair Credit Reporting Act to obtain a consumer report. Section 604 contains a list of permissible purposes under the law. ( FCRA sections in the U.S. Code, 15 U.S.C. 1681 et seq. ) These are : As ordered by a court or a federal grand jury subpoena. Section 604 ( a ) ( 1 ).

As instructed by the consumer in writing. Section 604 ( a ) ( 2 ).

For the extension of credit because of an application from a consumer, or the review or collection of a consumers, account. Section 604 ( a ) ( 3 ) ( A ).

For employment purposes, including hiring and promotion decisions, where the consumer has given written permission. Sections 604 ( a ) ( 3 ) ( B ) and 604 ( b ) for the underwriting of insurance because of an application from a consumer. Section 604 ( a ) ( 3 ) ( C ). 
When there is a legitimate business need, in connection with a business transaction that is initiated by the consumer. Section 604 ( a ) ( 3 ) ( F ) ( ii ).

To determine a consumer 's eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicant 's financial responsibility or status. Section 604 ( a ) ( 3 ) ( D ).

For use by a potential investor or servicer, or current insurer, in a valuation or assessment of the credit or repayment risks associated with an existing credit obligation. Section 604 ( a ) ( 3 ) ( E ).

For use by state and local officials in connection with determination of child support payments, or modifications and enforcement thereof. Sections 604 ( a ) ( 4 ) and 604 ( a ) ( 5 )
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern regarding the inaccuracies in my credit report, specifically the disputed accounts that remain unresolved despite my previous requests for investigation. These errors are significantly affecting my credit score and causing undue hardship.

I have consistently requested that these inaccuracies be investigated and corrected, but I have not received any resolution or corrective action. The presence of these erroneous accounts is hindering my ability to secure financial opportunities and is impacting my daily life. 

I urgently request a thorough investigation into each of these disputed accounts and prompt correction of my credit report. Accurate information is crucial for my financial well-being, and I hope that you can address this matter with the seriousness it warrants. 

Please acknowledge receipt of this letter and provide an estimated timeline for resolving these issues. I appreciate your immediate attention to this matter and look forward to your prompt response. 

Thank you for your cooperation.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX - XXXX XXXX  - XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has added a 90 days  Fraud Alert i n my credit report stating that was requested by consumer.   I HAVE NOT REQUESTED A FRAUD ALERT TO BE ADDED ON MY REPORT.     Please  REMOVE Fraud Alert i mmediately.
Product: Credit reporting or other personal consumer reports

I am sending over a demand to arbitrate letter through the mail certified for inaccurate reporting violating my rights and it is a violation of the FCRA, EOA, also racially profiling me causing me to suffer while infringing on my rights. This message is in regards to my consumer report and the suffering mentally, physically, and emotional distress along with damages to my name, character and that I have discriminatory profiled for my race as an XXXX XXXX, and minority groups like myself due to low income and the disadvantages we XXXX of people go through with this agencie. I have attached the necessary forms and documents.
Product: Credit card or prepaid card

I called bank of america edd customer service about gettjng emergency cash before i recievwd my card and they told me twice they didnt offer those services anymlre. But i emailed them and got an email bacj saying XXXX did. So i called back and tild them and ghey done everyghing they coyld not to help me. Please contact them.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/2023 Bank XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Subject : Opt-Out Notice Pursuant to UCC 11 and 15 UCC 6802 Dear XXXX XXXXXXXX XXXX XXXX XXXX , I am writing to exercise my right to opt-out of the information-sharing practices permitted under the Uniform Commercial Code ( UCC ) 11 and pursuant to 15 UCC 6802 of Title 15 of the United States Code. I am a customer of your institution, and I wish to limit the sharing of my nonpublic personal information with non-affiliated third parties, as allowed by law. 
Please be advised that I am opting out of the following : [ ] Sharing with non-affiliated third parties [ ] Sharing for joint marketing purposes [ ] Sharing with affiliates XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX I understand that this opt-out request will apply to all account relationships I have with your institution. 
Please confirm in writing that my opt-out request has been received and will be implemented promptly. I appreciate your attention to this matter and compliance with applicable laws. 
If you have any questions or need additional information, please contact me at XXXX. Thank you for your prompt attention to this matter.