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

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I ordered a copy of my report in XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, XX/XX/XXXX XXXX has not responded/ replied/ answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of XXXX XXXX XXXX XXXX I believe it was reporting in error. 
XXXX XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}
Product: Debt collection

I sent a payment to XXXX XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX  XXXX for a doctor 's appointment. this is the THIRD time I have paid a bill to them and they have sent us to collections. However, this time I sent the information to them showing that the check was cut on XX/XX/XXXX, it was cashed on XXXX, and I also sent the front and back of the check. I also called the billing department weekly to following up. I sent all info on XX/XX/XXXX to billing. I confirmed on XX/XX/XXXX XXXX in billing that the documents were received. Told it would take 30 days for review. I called back weekly and was told still processing each time. I called on XX/XX/XXXX and was told the same thing and then XXXX days later -- - received a bill from a collections agency!!! I have called the doctor 's office and the billing office multiple times and no one seems to be able to correct this.
Product: Checking or savings account

on XX/XX/year>, I tried opening an account at BMO bank and was told by bank official at that location that the fraud department was investigating my addresses. However after checking, XXXX had my old information that was expired under the banking statue of limitation. Nevertheless, I went in an informed that branch at XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX. Furthermore, the account is still frozen and they still is holding my {$XXXX} on expired information according to the state of Arizona banking statutes of limitations. Consequently, I no longer want to open an account at this bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft I have about XXXX inquiries that I don't recognize on my credit reports. XXXX or XXXX on XX/XX/XXXX XXXX on XX/XX/XXXX and XX/XX/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 instruction 15 U.S.C 1681 s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a customer 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

TRANSUNION have my nonpublic personal information such as my social security number, account numbers, and credit history with my consent and authorization. I want to opt out of credit reporting of certain accounts with certain financial institutions. This is identity theft and credit reporting is optional. I have the right to privacy as stated in the Privacy Act the Fair Credit Reporting Act, and in the Supreme Court case Griswold v. Connecticut ( 1965 ). Additionally, these accounts have been reporting falsely as the balances are in a positive amount indicting credits that are owed to my principal.
Product: Credit card or prepaid card

American Express Blue raising APR interest rate based solely what a NEW customer would receive if they would apply for the same or similar card with American Express with no regard for customer history of 100 % on time payments. Only one FICO score company ( XXXX  ) used to base reason which was 30 points higher than XXXX. Unfair!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  XXXX 15 USC 1681 B SEC 604 Permissible purposes of consumer reports states any consumer agency may furnish a consumer report under the following circumstances and no other : 1 ) in response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal jury. 
2 ) in accordanance with the written instructions of the consumer to whom it relates.

I did not give written authorization for this creditor to furnish any of my personal information, or share it with anyone XXXX please understand that i know a list of transactions is not a form of validation to be able to report my information or share it with any third parties please cease these actions. 

Small claims court and consumer law attorneys have told me i am eligible to make a small claim requesting payment for defamation if these keeps happening after i disputed it which ive done already. 

Your company is not authorized at all to share my information. Im not asking you to verify anything VALIDATE AND PROVIDE ME PROOF THAT YOU HAVE MY WRITTEN CONSENT TO SHARE MY NON PUBLIC INFORMATION
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am in disagreement with the account listed below, which still appears on my credit report, even after your investigation. I would like this immediately re-investigated. The inaccuracies are highly injurious to my credit score. 

XXXX : [ XXXX XXXX XXXX XXXX ] THIS ACCOUNT WAS LISTED ON MY CONSUMER REPORT MULTIPLE TIMES. ONE LISTED FOR {$150.00} WAS REMOVED. THE OTHER LISTING SHOULD BE IMMEDIATELY REMOVED DUE TO REPORTING INCONSISTENT BALANCES ACROSS THE BUREAU. 

TRANSUNION : [ XXXX XXXX XXXX ] XX/XX/year>. THERE ARE MULTIPLE LISTINGS FOR THIS ACCOUNT ON THE CONSUMER REPORT. THIS IS INJURIOUS TO MY CREDITWORTHINESS AND SHOULD BE DELETED IMMEDIATELY DUE TO INACCURATE AND INCONSISTENT BALANCES ACROSS THE BUREAU. 

In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611. Please provide the names and business addresses of each individual with whom you verified above so that I may follow up. Please send me an updated copy of my credit report after your investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

the following accounts appear on my credit report, without any authorization, they are hurting me Identity Theft MIDLANDCRE Account Number : XXXX This is not mine. 

13. Identity Theft MIDLANDCRE Account Number : XXXX This is not mine. 

14. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.
Product: Credit card or prepaid card

My computer was hacked by a company called  XXXX   XXXX   XXXX , by a man named  XXXX   XXXX . He then sucked me into a banking scam that resulted in him ( and/or his company ) transferring a cash withdrawal fro m one of my Fifth Third cre dit cards in the amount of {$7000.00 } (   one tr ansfer for {$2000.00} and a second transfer for {$5000.00}  )  into my checking account and then stole it. I filed a complain with the  Fifth Third fr aud department but got a letter back from them saying they had " conclusive evidence that I had made the  cash advance '' and that they only investigate internal fraud, not anything external. This came after I tried explaining the the gentleman from the Fifth Third  fraud dept. what had happened, but he told me he had enough information and they " would bet back with me ''. I assumed that meant they would get in touch with me for a more detailed explanation of what happened and how I got scammed, but it did not. They simply made their decision based on partial information and did not seem concerned with the entire story. I have since reported my fraud complaint to the FBI  Internet Crime Complaint Center ( IC3  ), but have not heard anything back from them yet.
Product: Bank account or service

I did not get the bonus for opening checkings account with Bank of America. On the website XXXX I scheduled an appointment to my nearest branch as said on the website from the link on the website. I received email on XXXX XXXX, 2016, XXXX CT with confirmation number for appointment XXXX to open the account with above offer. I opened the checkings bank account next day with bank manager saying that bonus will be honored once direct deposits are made. I chatted with Bank of America representative same night to know when Bonus shall be received. She said that Bonus will be received after 90 days of meeting requirements. I did n't receive bonus till XXXX. I called Bank of America on XXXX XXXX on customer service. The representative said that after meeting requirements in 90 days, it usually takes around 1 month for processing the bonus. In XXXX I did n't receive any bonus. On XXXX XXXX, 2016 I again called the customer representative that I did n't receive bonus in spite of continuous direct deposits. She asked me to call XXXX number as the Promotion department was closed that time. I called the above number on XXXX XXXX, 2016, I called the above number and everything was answered in XXXX. So I again called the customer care on XXXX XXXX, 2016 to take up the case, continuing from yesterday. He calls the promotional branch and replies that I am not eligible for Bonus. He tells me that my name is not there in their list. I tell them its not mandatory to open the account online, its given on the website that the account can also be opened by going to the branch and my scheduling appointment through the website is the proof of it. They told me that you can talk back to the branch. I am tired of this Flip-flop from one person to other. 
My logic is simple. I opened the account through the promotional offer website by going to branch. The branch person who opened my account. I met all requirements with all direct deposits till today. Now its their turn to honor the bonus. My work hours as a XXXX do n't give me time to go to the bank branch on weekdays like they want and I do n't understand, why I should go to the branch. They should contact the branch manager by themselves and resolve the issue, but the customer service do n't want to open the case. I think Bank of america just does n't want to honor the bonus and make their customers beg for bonus. I am soon going to terminate my account if I do n't get my rightful bonus from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a request via certified mail : I am requesting the removal of a bankruptcy ( below ) on my credit report due to Civil Case No. XXXX XXXX, XXXX XXXX, XXXX XXXX, v. Equifax Information Service , LLC , I did not know the source of their information on those judgments and bankruptcies and due to this, Equifax, XXXX and XXXX has violated the Fair Credit Reporting Act ( FCRA ). Please remove these judgments and bankruptcies as soon as possible. Bankruptcy Ref. # XXXX Since this is a request and not a dispute, I would like to receive confirmation that all judgments and bankruptcies listed on my credit report has been removed within 15 days of the date on this letter. Your attention to this matter is greatly appreciated. My request have been ignored and unfulfilled and not validated : XXXX has the phone # XXXX listed ( which is a recording stating " You have reached a none working number. '' as a source of validation on the XXXX report. I have tried to speak to Dispute dept Reps from XXXX  only to be told that they use a 3rd party to validate the Bankruptcy, but did not know the name of the 3rd party company that XXXX uses so they could not help me or remove it from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

im unable to get my XXXX  report I have mailed them my proof of address and phone number and ID the bankruptcy is not mines and needs to be removed from all 3 reports. can you please help me
Product: Checking or savings account

For the last XXXX months I have been trying to shut down a joint savings account or to be removed from it. 

I do not personally have all of the dates and records, however I know that every conversation I have had in the last 3 months has been recorded. 

They have claimed that I could initiate removal even though I am not the primary account holder. I submitted that form while the account was still in a positive standing. I specifically asked the representative I was on the phone with what happens if my account drops into the negatives in the next XXXX business days since I am not in control for what the primary account holder does. 

He told me that wont effect your removal because you initiated this request while still in a positive standing I called back several times sense then and they give me all different messages. 

Finally a supervisor told me that that person who made this promise to me was incorrect and gave me misinformation. 

Since then I have continued to try and close the account, but the account kept dipping into the negatives. A representative told me they would change the account to overdraft protection. She was a supervisor and she promised me that once this change was made to the account that the account would no longer have issues going into the negatives and then they could close the account. 

Payments continue to be processed by loans that were not authorized by me. I asked them to stop payments on those loans. They did. 
The merchant continued to push payments from other accounts. I keep having to dispute the charges which then make it impossible for me to close the account because there has to be no activity on the account for XXXX hours. They claim there is nothing they can do to protect me from these unwanted and unauthorized transactions from occurring in the future. 


After being promised that my account had overdraft protection, another payment put my account into the negatives again. I called to request information, and was told that I could be reassured that this charge would be refunded to me within the day because of the overdraft protection. I asked this man to make note of it for me in my file just incase. He said he did. 

Finally my account was in a positive standing so I went to close the account and they told me they were I unable to close the account due to another transaction that was not posted yet but to call back the next day once the payment was posted and I could close the account then. 

I called back, but the account somehow dropped into the negatives again. I request to know why and they told me that there was no overdraft protection, even though I had been promised that there was. 

Finally I requested they provide me all of the notes that were taken regarding this issue, and all of the recoded phone calls be provided to me. 

This matter has been going on for 3 months
Product: Debt collection

Have received numerous calls from. National Credit Adjusters but no voicemail as to what they were calling for ... I called the number back and the representative i spoke with was one of the most rudest people I have ever spoke with ... .when he answered I could n't understand bis name..I stated I 'm sorry what was your name..he stated to me very loudly and rudely MY NAME IS XXXX!! WHAT IS YOUR NAME AND WHAT DO YOU WANT!!! I stated that i have received numerous calls from this number and was inquiring as to why they were calling..he repeated my number back and stated that owed XXXX XXXX..i told him i needed some verification of this debt..be said that they have sent me out numerous letters..told him I 've never gotten anything..he said..yeah sure..that 's what they all say..he said listen up miss..we have had it with deadbeats like you..my company is going to have you arrested for cashing a bad check with XXXX ... I told him I do n't intend on paying anything without some validation..he said we have sent you out eveything you need to know..next step is the local authorities will be notified of this. ..and arrest you..I told him..well I 'll be sitting here waiting..thank you. Have a nice day..and i hung up..he immediately called back and gave me a case # and said good luck deadbeat ...
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and there are two accounts that are reporting on my credit that is not my accounts along with some inquiries.I have taken notice that someone has been using my information to obtain credit in my name. I also attached my police report to support this statement. The accounts are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Vehicle loan or lease

Weve had an auto loan at XXXX ( not by choice ) for a year now. Of the XXXX payments, XXXX have been late totaling over {$200.00} in late fees. The reason Id like an investigation is the barriers the bank places on its non-customers. 

As a XXXX  XXXX XXXX customer, I must log into XXXX website to initiate single payments. Under payments, this language outlines their policy : Payments made with external accounts are not eligible for recurring payments at this time. 

The letter I received in the mail offers Auto BillPayer and instructs me to call a toll-free number. In line with the inferior customer service weve already experienced, the Auto BillPayer is only open M-F, XXXX. Of course, its bankers hours. 

Finally, after getting connected with them, the tell me I must download a Word document, print it, complete it, and either MAIL or FAX, yes FAX it back to them. Its these incredible barriers that have me concerned. With a XXXX note, averaging XXXX late payments a year, thats potentially XXXX late fees at {$73.00}, or over {$1300.00} in fees in the term of the note. No wonder they want to put barriers like printing and faxing for non-customers its a tremendous profit. 

Its incredible in 2022 that XXXX answer is printing and faxing Word documents, but when you see the true reason, profits, its easy to see the motives.
Product: Credit card

I find it surprising that CITI bank can send me a ton of pages from years ago but can not honor a request to either provide me with an IP address, or something I signed stating that this card is mine. My identity was stolen and I am just trying to figure out what debts are mine and I would make payment arrangements if only CITI would provide me with this simple information. They even sent me a screenshot of a computer screen with a lot of information but not once did they send me anything with an IP address or a signature.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/scrub>XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX, a rental lease account opened at XXXX XXXX  XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Checking or savings account

i purchased a gaming computer on XXXX that was faulty, i returned it but XXXX didnt refunded me. 

so at this time i lost money and the item i opened a claim with tdbank, and it was denyed saying that i have to send the promise of refund from XXXX. 

now opened the case again, attached return shipping info and the promise of redunf from XXXX case on tdbank is XXXX tdbank also warned me that its the last chance to make the claim right, so i cant miss it because another document is missing. i think that with the proof of item returned and matching dimensions/weight from original shipping its ok
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAD MY IDENTITY STOLEN AND SOMEONE CREATED FRAUDELUNET ACCOUNTS UNDER MY NAME SO IM TRYING TO BUY A HOUSE AND I NOTOICED THAT I HAVE BAD THINGS ON MY CREDIT NOW I CANT GET A CAR LOAN OR BUY A HOUSE AND I HAVE A XXXX XXXX XXXX THAT DEPENDS ON ME I HAVE COLLECTIONS THAT I NEVER HEARD OF PAYMENTS THAT WERENT DUE ON TIME THAT WASNT ME THIS PERSON RUINED MY LIFE AND I HAVE A POLICE REPORT FOR THE IDENITY THEFT