23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I am XXXX XXXX, my husband XXXX XXXX and I received a balance transfer offer from our XXXX XXXX XXXX card which we accepted and were approved for. We intended to use those funds to pay off our XXXX XXXX  XXXX XXXX ( under Barclays ). On XX/XX/XXXX an electronic transaction was done from XXXX to XXXX ; for {$4000.00} USD. On or about XX/XX/XXXX we checked our XXXX statement which still did not reflect the {$4000.00} credit. We contacted XXXX by phone, and were provided a case number to track XXXX 's investigation on their end. We called XXXX back on XX/XX/XXXX and they had NO RECORD of our issue or case with them nor was the {$4000.00} dollar credit applied to the XXXX account. We provided XXXX the XXXX confirmation number, another were told another XXXX investigation was supposedly started ( Case XXXX ). About the same time we received a letter confirmation from XXXX that the transaction had gone through and that XXXX had deposited it. On XX/XX/XXXX we contracted XXXX yet again : We still do not see a {$4000.00} dollar credit to our account. We did see that XXXX has ( as expected ) added the {$4000.00} to our XXXX balance as this was a balance transfer. Our last call to XXXX on XX/XX/XXXX disclosed they had no information to share with us, and we were informed variously by the call center people at XXXX that their investigation would take one week, two weeks, one billing cycle, two billing cycles. The inconsistency in the response just adds to our complete lack of confidence and frankly the feeling that we are being deceived by XXXX. We have notified XXXX of this issue who is also supposed looking into the matter and XXXX has stated they will work with us to get this resolved- but we have been waiting for resolution since XX/XX/XXXX and its been long enough in our view.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account name XXXX XXXX, Account number 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 : Also states a consumer reporting agency can not furnish a account without my written instruction.
Product: Debt collection

Back in XX/XX/XXXX, I was contacted by a Law Firm Collection Agency ( XXXX XXXX XXXX ) regarding a XXXX Account, with an assumed balance of {$1200.00} (??? ) and I stated to the Agency above, that " I do not owe, this amount of money to XXXX and willing to settle the debt for 70 % of the original amount owed.I know the original amount because I was trying to file Bankruptcy in XX/XX/XXXX, so I had the original balance in the paperwork and I explained this to the Representative.

On XX/XX/XXXX, I received the attached letter for XXXX XXXX XXXX ( Attorney at Law ), with the attached credit application, just stating " this is an attempt to collect ''. I have been trying to work with this credit for a settlement of the original debt, but was told I need to agree to the {$1200.00} before they can agree to an settlement. I stated that this doesn't sound legal and asked that they return the debt to XXXX and was told they can not do this. The attached letter is what I received and that is all, no other communication.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, specifically 15 USC 1681 section 602 subsection a, it emphasizes the importance of consumer reporting agencies fulfilling their responsibilities in a fair, impartial, and respectful manner towards individuals ' privacy rights. TransUnion XXXX and XXXX are examples of such agencies, and as a consumer, I have the right to safeguard my personal information from being shared. This right is reinforced by 15 USC 6801, which states that financial institutions have an ongoing obligation to uphold customer privacy and protect the security and confidentiality of their nonpublic personal information. By definition, the " furnisher of information to credit agencies '' falls under the category of financial institutions. Moreover, 15 USC 1681 section 604 subsection a subsection 2 specifies that consumer reporting agencies can only provide consumer reports under certain circumstances and with the written instructions of the relevant individual. Neither the financial institution nor the consumer reporting agencies, TransUnion XXXX and XXXX, have obtained my consent in writing or any other form. Consequently, any consent previously given to TransUnion XXXX, XXXX, or the " furnisher of information to credit agencies, '' whether expressed verbally, non-verbally, in writing, implied, or otherwise, is hereby revoked. According to 15 USC 6802 subsections b and c, a financial institution can not disclose nonpublic personal information to a nonaffiliated third party without explaining to the consumer how they can exercise their option to maintain nondisclosure. However, the " furnisher of information to credit agencies '' failed to inform me of this right. Furthermore, as per 15 USC 1681C subsection a subsection 5, no consumer reporting agency is permitted to include certain adverse information in a consumer report unless authorized under subsection b or if the information is a record of a crime conviction that predates the report by more than seven years. Since this account is an adverse item being reported without my consent, it is a violation of the law. Additionally, 15 U.S. Code 1681s2 subsection A subsection 1 prohibits any person from furnishing inaccurate information about a consumer to a consumer reporting agency if they have knowledge or reasonable cause to believe it is inaccurate. Moreover, 15 U.S. Code 1681e mandates that consumer reporting agencies establish and maintain reasonable procedures to prevent violations of section 1681c and to restrict the provision of consumer reports to the purposes listed in section 1681b. TransUnion XXXX and XXXX have not demonstrated reasonable procedures in this regard. Lastly, as outlined in 12 CFR 1016.7, consumers have the right to opt out of reporting services at any time. Therefore, I am exercising my right to opt out of your reporting services.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account, XXXX Account 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 an account without my written instructions
Product: Money transfer, virtual currency, or money service

My coworker stole my identity. She used Google pay to withdraw small amounts from my XXXX banking accounts for a long time now. Its unnoticed due to the fact that she was able to create her own receipts and purchase descriptions with the Google app. For example, I would have XXXX or XXXX charges multiple times in a month for small amounts, but if you look at the purchase information, theres Google information on the fraudulent purchase. Its basically an app that allowed her to withdraw monies from my accounts, undetected. It also gave her complete access to my life and I dont know how to fix this. Every time I lock my credit, shes able to open it right back up. Google pay has ruined my life, and no matter what I do, I cant repair anything that has been damaged because of the access that its given this person. This should be reported to the fbi for cyber crimes.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I have been patiently waiting on the response of Equifax Credit Bureau about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : 1. XXXX XXXX XXXX Date XX/XX/XXXX ; 2. XXXX XXXX Inquiry Date XX/XX/XXXX ; 3. XXXX XXXX XX/XX/XXXXInquiry Date XX/XX/XXXX ; 4. XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; 5. XXXX XXXX XXXX Inquiry Date XX/XX/2020 ; 6. XX/XX/XXXX Inquiry Date XX/XX/XXXX; 7. XXXX XX/XX/XXXX Inquiry Date XX/XX/XXXX ; 8. XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; 9. XXXX XXXX XXXX XXXX Inquiry Date XX/XX/2020 ; 10. XXXX XXXX XXXX Inquiry Date XX/XX/2020 ; 11. XXXX XXXX XXXX Inquiry Date XX/XX/2020 ;
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2021 i pulled my full credit report and i notice there is a couple name and address on there that is not mine i never live before and would like to remove it. my name is XXXX XXXX XXXX my address is XXXX XXXX XXXX XXXX XXXX XXXX new york. before married my name was XXXX XXXX XXXX i never change my name
Product: Debt collection

I recently received multiple letters from law firms offering to represent me against Bank of America in a legal matter. Unaware of any such issue, I searched the case number provided by XXXX of these firms on the XXXX XXXX XXXX XXXX XXXX website and discovered that Bank of America had filed a complaint against me regarding a credit card debt. 

However, I was never contacted by Bank of America or their debt collector regarding this matter. The last communication I received concerning this debt was in XX/XX/XXXX. I did not receive any formal notice of the lawsuit from either Bank of America or their debt collector, and the only way I became aware of it was through unsolicited letters from attorneys. 

To clarify the situation, I contacted Bank of America directly on XX/XX/XXXX and inquired about any pending legal actions or involvement of a law firm. I was consistently told that there were no such actions against me and was even advised to disregard the letters I received. Despite this, the case is visible on the XXXX XXXX website, confirming that legal action has indeed been taken on XX/XX/XXXX. 

I find it highly concerning and unfair that Bank of America has pursued legal action without providing me any prior notice or opportunity to resolve the matter. Given that I have an active checking account with the bank, they have all the necessary contact information to reach me. Additionally, when I access my online banking, there is no record of the credit card in question, nor any past statements, as if the account never existed. 

I had no opportunity to settle or address this debt before legal action was initiated, and I was misled when I sought clarification. This lack of transparency and communication is deeply troubling, especially considering the debt amount is under {$10000.00}. I request an immediate review of this matter and a formal response explaining why I was not notified prior to legal action being taken. 

I appreciate your prompt attention to this issue. Please let me know how this can be resolved in a fair and transparent manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act the below creditors have 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 XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  XXXX Account XXXX XXXX,, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXXXXXX have 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 or other personal consumer reports

Equifax, XXXX and XXXX has accounts on my credit report that are not mine and they refuse to remove or delete. 
XXXX XXXX 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

I am writing to notify you that I have been a victim of identity theft, resulting in several fraudulent accounts appearing on my credit report. These unauthorized accounts were opened without my knowledge or consent, and I am requesting immediate action to address them. 

ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have already filed an identity theft report with the Federal Trade Commission ( FTC ) and am demanding the prompt removal of these fraudulent accounts to restore the accuracy of my credit report.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on m report. Please remove these accounts from my report, they are hurting my ability to obtain credit
Product: Credit reporting or other personal consumer reports

. I am writing to request the removal of the XXXX XXXX XXXX XXXX, XXXX, account from my credit file. 
Under the Fair Credit Reporting Act ( FCRA ) 609 ( a ) ( 1 ), I have the right to request that inaccurate or incomplete information be corrected or removed from my credit report. Additionally, 623 ( a ) ( 8 ) of the FCRA ensures that information must be accurate and verifiable. Given the recent data breach involving XXXX XXXX, I am concerned that my personal information may have been compromised. This breach has raised significant concerns about the security and accuracy of the data associated with my account. 
Considering these circumstances, and under my rights provided by the FCRA to ensure the accuracy and fairness of my credit report, I request that you remove any and all references to XXXX XXXX from my credit file. 
Please confirm the removal of this account in writing at your earliest convenience. If you require any further information or documentation, do not hesitate to contact me.
Product: Checking or savings account

Marcus by Goldman Sachs took 5 months to turn over my late mother 's funds last spring. Now I just need the final 1099 to close the books on my mom 's trust. I contacted the bank during second week of XXXX because I had not received her final 1099. They told me it went out in XXXX -- to my late mother 's address. Even though I have a forwarding order set on that account, we have not received it, so I asked Marcus to resend the 1099 to my address. I have been phoning them 2x week since then and they have not resent the 1099. Yesterday when I called, they asked to verify the address and again read back my mother 's old address. The first time I called, they said it would take 5-7 business days. At 7 business days they said it would take 7-10 business days. When I called the third time they said they were sending it and I can ask for a reprint after the XXXX of XXXX. When i called yesterday they said 3-5 business days to generate the reprint. Today they said they can't tell me anything about when it will be resent. 

A friend who is in management at XXXX XXXX told me that your agency can help me make them send the darn form. Every time I have to do this, it is painful and insulting, and no one offers any proof that anything is being done. Please help.
Product: Debt collection

I discontinued service with XXXX and transferred to a different carrier on XXXX XXXX, 2015. On XXXX/XXXX/15, eight days later, XXXX referred my account to a collection agency before I even received the final bill from XXXX!! Collection notice was sent to me on XXXX/XXXX/15 threatening to take action.
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX my cell phone was hacked while I was attempting to return an item to XXXX XXXX. Consequently $ XXXX was fraudulently charged to my XXXX XXXX account ; all charges were reversed XXXX XXXX later. During that same time, and over the course of XXXX hour, XXXX fraudulent loan applications were approved by AffirmXXXX XXXX Bank on behalf of XXXX XXXX XXXX # XXXX : XXXX created on XX/XX/XXXX in the amount of {$200.00} Loan # XXXX : XXXX created on XX/XX/XXXX in the amount of {$200.00} Loan # XXXX : XXXX created on XX/XX/XXXX in the amount of {$200.00} Loan # XXXX : XXXX created on XX/XX/XXXX in the amount of {$200.00} These loans were set up to pay via a debit card that I have since deleted from my Affirm account. I have contacted AffirmXX/XX/XXXX times regarding these unauthorized loans. I received one correspondence from them asking me for the same information I had already provided on their website. In addition, I received XXXX 'canned ' email responses to the XXXX requests made to Affirm asking that they delete these fraudulent loans from my account. During a phone call that I made to Affirm on XX/XX/XXXX, I asked them to provide me with proof that I had applied for these XXXX loans. They were unable to provide me with anything. They only said that they had to get their money back from XXXX. What money? To make matters worse, I received an email this morning stating they now need XX/XX/XXXX days to complete an investigation and are again asking for the same information I have already provided. Also, this time Affirm has come up with an arbitrary charge of {$100.00} for XXXX XXXX. Who knows what that is because I do not? 

According to the CFPB website, Affirm has several complaints filed against them for unsavory business practices. Why have they been allowed to continue creating this type of havoc for consumers? 

Please, help me obtain resolution and finally do something about this 'scamming " company!
Product: Credit reporting or other personal consumer reports

I am refiling this complaint to EQUIFAX for allowing unauthorized inquiries on my credit report and for no corrective actions taken on this fraudulent information. As I checked my recent credit report, unauthorized inquires are reporting on my credit report and they are not reporting accurately. I have filed an FTC report which I included here with report numbers XXXX, XXXX and XXXX for your reference and as proof.
Product: Debt collection

in XX/XX/XXXX I had a unpaid ballance of XXXX dollars from a local utility company that I was unaware was unpaid. I called to transfer services to my new address and it was told to me by the representative that I had an unpaid ballance that needed to be paid before services could be transferred. I made the payment that day in full of XXXX dollars plus a XXXX dollar transfer fee totaling XXXX. 
in XX/XX/XXXX I had discovered on my credit report that the amount for XXXX was being reported and have reached out several times to the debt collector and the account holder, providing proof of payment and thus far both companies are refusing to remove this inaccuracy from my credit profile. I have hired credit repair companies and they have also been unsuccessful. I believe that this collector is violating the laws under the fair credit reporting act, & the privacy act, and they have no intention of complying with the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  account shows that I missed a payment on XX/XX/2021 which is not true. On XXXX it shows that I payed on time, but on XXXX and transunion show late payment.
Product: Mortgage

My mortgage company, XXXX, changed to PHH Mortgage. PHH never answers the phone XXXX and I cant make a payment on line until after I make a payment online. I submitted a complaint to them online regarding getting my escrow information and they took over a week to unsatisfactorily get back to me. I believe XXXX has made this change to purposely cause people to not be able to make their mortgage payments on time.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Inquired on XX/XX/XXXX Business Type : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX This inquiry is scheduled to continue on record until XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX Business Type : AXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/XXXXXXXX XXXX XXXX  Inquired on XX/XX/XXXX Business Type : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX This inquiry is scheduled to continue on record until XX/XX/XXXX XXXXXXXX XXXX  Inquired on XX/XX/XXXX Business Type XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX XXXXXXXX XXXX Inquired on XXXX XXXX, XXXX Business Type : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX This inquiry is scheduled to continue on record until XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : Credit Unions XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX : Automobile Dealers, Used XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX Business Type : Personal Loan Companies XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX XXXXXXXX XXXX  Inquired on XX/XX/XXXX Business Type : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX This inquiry XXXX scheduled to continue on record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : Credit Unions XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX This inquiry is scheduled to continue on record until XX/XX/XXXX XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Credit Unions XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX This inquiry XXXX scheduled to continue on record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX Business Type : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section XXXX of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Product: Credit reporting or other personal consumer reports

I have contacted all XXXX credit reporting bureaus and XXXX XXXX, they continue to report the date of the last payment of XXXX, which is completely incorrect i have asked numerous times for proof and all I get is my credit report showing no status from XXXX forward, until XXXX when they show collection, but they continue to report XXXX as last payment.