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

On or about XX/XX/XXXX, I got an alert from the credit bureau of a late payment. I logged in to find out that BOA had reported a late charge on an account that is paid in full and has not been used since XXXX. I called BOA on that date and explained my situation that I was being charged a yearly fee including expressing that they had not sent me any correspondence/bill that anything was due. She explained that there might have been a mistake because the credit card I have does not require a yearly fee and that she would put in the dispute to have it removed. She also advised me to call on Monday because the collections department was not available. On Monday XX/XX/XXXX I called back to speak to someone in the collections department. After I explained the situation including what the representative told me on XXXX the XXXX, she said now a days this card does not have a yearly fee for me to pay it and that once it's investigated I would be credited. I did the payment and she in turn gave me a case ID and told me to call back on Thursday. I called back on XX/XX/XXXX and talked to another representative and he said that they have done their investigation and have come to a conclusion. I asked them when where they going to send me a notice of their conclusion and he said you should have gotten a notice already. But that their conclusion that they have denied my claim of having this 30 days late yearly fee stay on my report for another 7 years. 

I had asked him to speak to a supervisor because as he can see my payment history and the use of my card that I have never been late nor had I abused the credit I had with them. He said they have already made the conclusion and I would receive a letter in the mail. 

I have attached the following documents to this complaint XXXX. Letter XXXX. BOA Bill with highlighted yearly fee XXXX. Copy of a utility bill with proof of address XXXX. Copy of my ID
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed fraudulent activity such as inaccurate names and addresses. 

TransUnion : Inaccurate name : XXXX, XXXX Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. CHAPTER XXXX BANKRUPTCY DISMISSED XXXX CHAPTER XXXX BANKRUPTCY XXXX XXXX XXXX {$560.00} XXXX XXXX XXXX {$560.00}
Product: Money transfer, virtual currency, or money service

This is a straightforward complaint, if for no other reason than I was stymied so fast in the process! At the urging of a friend, I buckled and attempted to sign up with crypto.com for purposes of bitcoin trading, etc. They made various demands for information, which I assume were part of the mandatory Know Your Customer policies of the company. For ID, I presented to them my Passport card, issued by the US Dept of State ( of course ). They refused it, saying their system ls are not set up for that kind of ID. ( See attachment ) Ahem. I assert that they dont have a choice in the matter. This has been true for ages, most recently affirmed by the REAL ID act, and many others. 

( They also required biometric data, in the form of a selfie-photo, which troubles me greatly, but I don't know what laws or regulations would apply to that, including the fact that crypto.com is actually based in a foreign country! )
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to not only dispute inaccuracies listed on my credit report but also to question the validity of the reported debt claims. I am concerned that these discrepancies and the uncertain legitimacy of the debt claims could significantly impact my financial reputation and creditworthiness. My credit report lists the original lender as XXXX with XXXX and XXXX but XXXX XXXX with TransUnion. 

Discrepancies and Validation Request : Original Lender Name Inconsistency : Issue : Varied reporting of the lender 's name across credit bureaus. 
XXXX Requested : Uniform correction of the lender 's name. 
XXXX XXXX Variability : Issue : Inconsistent reporting of the collection agencys name. 
XXXX Requested : XXXX and correction of the agency name. 
Status Descriptions Variability : Issue : Disparate descriptions of the debt status. 
XXXX Requested : Standardization of the status description across all reports. 
Validation of Debt Claim : Concern : The legitimacy of the debt itself is unclear to me, and I do not recall any transaction that could have led to the reported claim. 
XXXX Requested : I formally request that you provide comprehensive documentation validating the debt, including the original contract or agreement I allegedly signed, a detailed account statement showing the derivation of the balance claimed, and proof of your legal right to collect this debt. 

Under the Fair Credit Reporting Act, XXXX XXXX. XXXX ( XXXX ) ( b ), I request a thorough investigation into the aforementioned inaccuracies and a detailed validation of the debt within the legally mandated XXXX period. Should these investigations determine that the information is inaccurate or the debt can not be validated, I expect the immediate correction or deletion of this entry from my credit file. 

I appreciate your prompt attention to this matter and look forward to your written response confirming the actions taken on these issues. 

Thank you for your cooperation. 

Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : I am in receipt of your companies letter informing me you are handling the collection of the account mentioned above. However, after reviewing my records i am unable to find any documentations of any contractual relationship between name of company and myself which makes you a person in title to enforce a commercial claim against me. This letter is not a request for verification or validation. This is a request for proof of contract to substantiate your claim. Provide me with a certified copy of an original contract with my signature specifically naming your company as a person entitled to enforce a commercial claim against me. Certification can be done through the presence of a notary public who doolie swears the copy made is in fact a copy of the original paper contract in question. Failure to respond and provide strict proof of contract will constitute your tactic agreement that you name of president and name of company are not entitled to force a claim against me. In the event you continue your collection without any proof of contract, i will file a complaint with The Attorney General and Federal Trade Commission and File a police report against you for harassment and invasion of privacy. You have 30 days to provide strict proof of contract. In the event you can not provide strict proof of contract you must cease and dismissed any collection efforts and immediately remove any derogatory information reporting to the consumer reporting agency. If you transfer this account to an attorney without providing proof of contract, he will be immediately reported to the state bar association and professional liability found for code of ethics violations. 

Sincerely
Product: Credit card

In XXXX of XXXX I purchased a mattress from XXXX total cost was around {$2800.00} and was offered a promotional 0 % interest credit card promotion from Synchrony Financial formerly GE Capital. I also set up automatic payments and e-bills rather than paper bills. In XXXX of XXXX my promotional offer ended and I was charged differed interest at a 29.99 % rate in the amount of about {$960.00}. In my ignorance I did not realize that my promotional rate had expired until a few days ago. I found not only was I charge the XXXX but had been charged interest a 29.99 % of the new total balance for the past 6 months. I did not understand that this was a differed interest rate or should I say I misunderstood. So overall I have now been charged a total of XXXX in interest so more than half of the original cost for the matters. I believe that these differed interest rates deals are deceiving and in some cases predatory. They were once outlawed but stores and companied lobbied for them and congress created a loop-hole in the system. I have found many more who have been duped with this deal and I want to make others aware. If you have any ideas as to how I could reverse this I 'd appreciate it.
Product: Credit card

I had applied and have been approved for a Chase Marriott Bonvoy Visa card in XX/XX/year>. I started using the card and made payment on the account in a timely fashion and according to the credit card terms. On XX/XX/year> I received an email informing me that my new Chase account ( Marriott Visa card ) will be closing. Upon following up with Chase I found out that a letter is being sent out and although I had not received it, I did ask to speak to a supervisor or somebody who can provide an explanation. Nobody can tell me why my account is being closed, I even got a call from an executive today who read a script and confirm account closure but she said she does not have and can not disclose why my account is being closed. I believe I am being discriminated against and subsequently deprived of the opportunity to benefit from enrollment in various loyalty programs such as XXXX XXXX or XXXX XXXX with whom JP Morgan Chase is offering programs. I had exhausted the means to extract an explanation for reasons why my account is closed, nobody from JP Morgan Chase is willing to provide any kind of explanation, they just read a script and apologize for their inability to provide any details. My credit score is excellent and has been excellent for 10-15 years ( above XXXX ), I have no negative financial events or entries, no

bankruptcies, no other credit impacting history which could qualify me as a risk. I have credit cards and have obtained credit for all other banks and institutions I had applied with in the past so this situation with JP Morgan is unique. Noteworthy : I legally changed my first name 13 years ago, had applied for the credit card in question under my
current name ( XXXX XXXX ) but all communication from JP Morgan still addresses my as XXXX XXXX which leads me to believe that they have outdated and incorrect records for ssn and name validation. All my documents ( ID, Passport, SSN and everything show XXXX XXXX ). 

To make things even stranger is that thing is that I applied, have been approved and continue to have a Chase Auto Loan which is not being closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XXXX Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

XX/XX/XXXX received a call from XXXX stating that I owed Capitol One {$1200.00} and change ;. This debt is past the statute of limitations. Person stated they would file a XXXX against me. I am XXXX so I file no taxes. Not certain how this would work. The company identified is XXXX XXXX XXXX XXXX, XXXX Address : XXXX XXXX, SC XXXX Phone : ( XXXX ) XXXX
Product: Debt collection

West Asset Management contacted me today via phone, a XXXX XXXX proceeded to read to me my personal information and wanted me to verify it without explaining why she was calling, who she was calling about etc. I called them back to ascertain the reason for calling and was sent back to XXXX XXXX XXXX. She started the process again ; I said I will not give you any of my personal information without you telling me why you are calling. She said I can not do that until I have your information, i.e. my personal information. Phishing is an illegal activity, and not one I will be party too.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX RE : Fraud report TO WHOM IT MAY CONCERN : Dear Sir/Madam ; My name is XXXX XXXX XXXX XXXX XXXX resides at the above mentioned address in XXXX, Maryland. My last four of SSN : XXXX. I work with : XXXX XXXX, XXXX as XXXX. I received a copy of my credit reports from XXXX, Equifax, XXXX and XXXX with the intention of trying to improve my credit and take care of my responsibilities, but noticed a little information on my credit report that seems inaccurate, inconsistent & unverified, and I need it fix immediately. They are not reporting consistently, and accurately about my information, which I identified as some discrepancies. Equifax, and XXXX repots on my credits that on XX/XX/2022 an unknown & unauthorized individual fraudulently attained my personally information and made claims to a company called : XXXX, at address : XXXX XXXX XXXX XXXX  OH XXXX XXXX through 'Inquiries ' which has impacted my credit, and credit scores negatively. I contacted these consumer reporting bureaus to dispute, which processes are ongoing, but they requested me to contact your office to report as a way to initiate the dispute process so they can delete the information from my credit report and update my account. I read the Fair Credit Act where it says by law, I have the right to challenge anything inaccurate, unverified, inconsistent. Some of the people reporting things on me are not reporting accurate information.

However, according to 15 U.S.C Sec. 1681 ( a ), ( b ), ( e ), ( f ) which guaranteed me, or any consumer constitutional rights guaranteed by law. This law basically guarantees consumers rights to 'consistent-accuracy about reporting. This particular incident is a 'fraud ' and is an identity theft affecting me and my credit reports. This reporting process does not meet compliance standards in guaranteeing my civil rights as provided by compliance standards. Henceforth, it is upon these legal grounds I request you initiate an investigation, and request them to delete any, and all information about me in their companys system because they are inaccurate, and it compromised my identity. Kindly investigate, correct and update my information. Once confirmed I request you provide me an update as soon as possible in the next 30 days as prescribed by law.
Product: Credit reporting or other personal consumer reports

I have filed complaints to the three ( 3 ) bureaus regarding to imprecise reporting on my credit report. Please help me submit my complaint because they just ignored it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( g XXXX XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately XXXX. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( g XXXX  XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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

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

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

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

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX  Account # XXXX ****, has violated my rights. 

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

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

I NOTICED AND INQUIRY ON MY CREDIT REPORT I WOULD LIKE TO GET REMOVED. 
ACCORDING THE THE FCRA THIS INQUIRY IS NOT VERIFIED AND UNATHORIZED AND NOT FOR PERMISSIABLE PURPOSES AND MUST BE REMOVED. 


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

In XX/XX/2022, I inform all three credit bureaus ( XXXX, XXXX, and Trans Union of incorrect inquiries that were put on my credit report without my authorization. The agency never looked into the investigation and kept the inquiries on my credit file without my authorization, Nor do I have accounts with the inquiries in question. All of the inquiries that were made in XXXX are in accurate. I am working very hard on my credit to improve it and I have tried my best not to have any inquiries on my credit report that werent already there before XX/XX/2022. I did not authorize those inquiries in the month of XX/XX/2022 at all and It is a violation of my rights as a consumer to report inaccurate information. The agency did not take the time to investigate this matter and I am requesting validation with my signed signature that I authorize this information to be reporting on my credit file.
Product: Debt collection

My credit report shows multiple accounts that seem to have been added without my authorization, and I believe they are wrong. I request that these fraudulent entries be blocked and removed promptly.
Product: Credit card or prepaid card

Received obvious fraudulent email. I have never been issued a Discover credit card.
Product: Money transfer, virtual currency, or money service

On XX/XX/2023 I went to pay my friend XXXX for her XXXX XXXX XXXX. I then noticed in the activity that multiple charges were not recognized. A lot of them were XXXX Games and XXXX people with XXXX transactions each that were identical that I did not know who they were. I then remembered an email from what I thought was XXXX that stated my account needed attention. I clicked on email back in XXXX and the screen kept loading after I put my login credentials in. I suspect that I was a victim of a phishing email. I reported the unauthorized charges immediately with my explanation. The XXXX games had started in XXXX per statement with small transactions that would not be caught without investigation. The XXXX charges to unkown people were back to back. BOFA declined my claim within 2 days stating that I had logged into my online banking " x '' number of times. I called for an explanation and the CSR stated that they had put the wrong reason code for claim and it needed to be fixed and then escalated. This was XX/XX/XXXX and they stated it was escalated and that I would have a response in 72 hours. This time came and went with nothing. I called and they stated that my claim was not escalated and would re-do the claim again. After everyday calling BOFA, I received different answers each time. I hope whoever receives this messages listens to every recording. The claims department does not know left arm from right arm. I was told I was getting provisional credits since it falls under Reg E and their mistake for not submitting claim reason code correct the first time to " I do not qualify for provisional credit '' due to x, y, z reasons ( which were different each time ). Frustrated, I called and asked to speak to supervisor who said since my claim was escalated that I no longer qualify even if it was their mistake. He even said that since I clicked on phishing email that it was now a billing error and not fraud. This makes no sense. All the research I have conducted points out that I am entitled to provisional credit. Supervisor said that they are waiting for response from merchant. Does this not qualify as accepted claim and provisional credit due to me, the consumer? I am beyone XXXX. I have XXXX kids and bills to pay and have now beeen out XXXX due to the incompentence law breakers of BOFA. I want my money back now.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and noticed some hard inquiries that I don't recognize. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX