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

In accordance with the Fair Credit Reporting act XXXX XXXX, has violated my rights. 
Amount : {$100.00} Date : XX/XX/XXXX XXXX XXXX XXXX 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 In accordance with the Fair Credit Reporting act XXXX XXXX  XXXX, has violated my rights. 
Amount : {$490.00} Date : 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 instructions
Product: Checking or savings account

I am filing a complaint against Bank of America for returning a payment for non-sufficient funds. First, Upon further review of my account, there was enough money in my checking account to cover the payment. Second, I have overdraft protection turned on, which virtually eliminated the problem with non-sufficient funds ( NSF ). Third, Bank of America did not communicate with me in a timely manner or at all about issues. They have not been proactive with their communication.
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 need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXXXXXX Balance Owed : {$15000.00} XXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below which still appears on my credit report. I would like this item immediately removed. I reported that this was not my account due to someone stealing my identity. It is my understanding that according to letter attached this would be deleted from my credit report with all XXXX bureaus. This has yet to happen even after providing me with confirmation. 


The inaccuracies are highly injurious to my XXXX XXXX XXXX XXXX XXXX XXXX ( account number XXXX ). Due to your company 's neglect in verifying someone's identity, it is hurting my ability to obtain credit. XXXX, TRANSUNION and XXXX have failed to investigate this account properly after I REPEATEDLY asked/disputed information to have the account updated.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting accounts as unconfirmed information without producing proof within the legal time range. 

XXXX XXXX XXXXXXXX Balance : {$47.00} ; XXXX XXXXXXXX XXXX Balance : {$230.00} ; XXXX XXXXXXXX Balance : {$350.00} ; XXXX XXXX Balance : {$16000.00} ; XXXX XXXXXXXX Balance : {$5600.00} ; XXXX XXXXXXXX Balance : {$110000.00} ; XXXX XXXX Balance : {$35000.00} ; XXXX XXXXXXXX Balance : {$2200.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized hard inquiries from XXXX XXXX, XXXX, Axcess Financial, XXXX, XXXX, XXXX, and XXXX Interactive IN all occurring on XX/XX/2018. 

Subsequently I was contacted by XXXX XXXX XXXX on XX/XX/XXXX claiming I owed money on a loan that I never took out with them. This has been documented in complaint # XXXX.
Product: Checking or savings account

On XX/XX/XXXX, my Citi checking account was frozen, without any communication. I learned of this account freeze, when my debit card was declined at the grocery store. I contacted CITI bank Monday, XX/XX/XXXX to better understand the situation. I was told my account was frozen for XXXX hours while the fraud team investigated. I then contacted Citi bank the following day ( XX/XX/XXXX ) and was told to wait an additional XXXX hours. On XX/XX/XXXX, I once again contacted Citi bank, and was told I must wait until XXXX EST, as the fraud team still had until then to make notes. I called back and still my account is frozen. Furthermore, a transaction that I made was reversed, causing further complications with another banking institution. At time of writing this complaint, my account is still frozen and there has been zero updates. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX : In Accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX XXXX Account no. ( NO ACCOUNT PROVIDED BY BUREAUS ON REPORTS. ( OPENED DATE : XX/XX/2014 ( CREDIT LIMIT {$4000.00} ), Has violated my rights. 15 U.S.C 1681 Section 602 A. states I have the right to privacy.! 5 U.S.C 1681 Section 604 A Section 2 : It also states a cosumer reporting agency can not furnish a account without my written intrsuction. XXXX : In Accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX XXXX Account no. ( NO ACCOUNT PROVIDED BY BUREAUS ON REPORTS. ( OPENED DATE : XX/XX/2014 ( CREDIT LIMIT {$4000.00} ) Has violated my rights. 15 U.S.C 1681 Section 602 A. states I have the right to privacy.! 5 U.S.C 1681 Section 604 A Section 2 : It also states a cosumer reporting agency can not furnish a account without my written intrsuction. TRANSUNION : In Accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX XXXX Account no. ( NO ACCOUNT PROVIDED BY BUREAUS ON REPORTS. ( OPENED DATE : XX/XX/2014 ( CREDIT LIMIT {$4000.00} ), Has violated my rights. 15 U.S.C 1681 Section 602 A. states I have the right to privacy.! 5 U.S.C 1681 Section 604 A Section 2 : It also states a cosumer reporting agency can not furnish a account without my written intrsuction
Product: Credit reporting or other personal consumer reports

Recently, I contacted your firm with a formal consumer complaint challenging reported claim ( XXXX ) under theFCRA XXXX ( a ) ( XXXX ). Included as well in addition of that check for compliant reporting, I sent a formal written validation demand to the Creditor for the reporting. I received back a denial of process and an assertion that the records of the reported were in fact XXXX, or so they claimed. No matter if you or a third party has collected this information, you must have an adequate record to legally substantiate the claim ( XXXX ), if not it ( they ) XXXX  UNVERIFIEABLE, invalid, or not factually certified compliantly reported ( even to the mandatory XXXX  XXXX XXXX standards ) or ANY OTHER DEFICIENCY OF FACTUAL REPORTING and or process of reporting then said allegations are unfit and therefore CAN NOT be LEGALLY reported. Tort law is quite clear in this matter. You have NO MORE THAN XXXX  days to DELETE the ITEM and provide me with written verification of that DELETION for my records. If you choose not to, I will have no choice but commence the unpleasantness of a XXXX ( Notice of Error ) under Regulation X of the CFPB regulatory reform guidelines for XXXX XXXXXXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX at XXXX XXXX, I started a withdraw of {$10000.00} ( from the sale of my cryptocurrency on their exchange ) from XXXX ( https : XXXX which is an arm of Coinbase ). This withdraw was to be a direct deposit into my XXXX XXXX XXXX account which I had used with them before. XXXX indicated that this would take a maximum of 10 days. The next day ( XX/XX/XXXX, XXXX XXXX ) I began a second withdraw of {$1200.00} to the same bank account. After about a week ( ~XX/XX/XXXX ), XXXX indicated that both transfers were " complete '' however I had received no funds and their transfer information said that the expected payout date and time was always the current time upon refreshing the page. I submitted a request to XXXX support on XX/XX/XXXX and only received an automated reply. It has now been more than 20 days since I initiated the withdraws and more than 10 days since I requested support from XXXX and received no reply or explanation. The withdraw info continues to indicated that the expected payout date and time is right now, but my bank shows no pending deposits. As a side note, I have used XXXX twice in the past and they only took a couple of days each time to complete the transactions ( each totaling {$10000.00} ). I have attached a picture of the transaction info XXXX provided for the two withdraws in question.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent multiple requests to Equifax requesting proper validation of a damaging unknown collections account in the amount of {$75.00} listed on my credit report. I have repeatedly told Equifax that this debt is not valid and does not belong to me. Equifax has blatantly ignored these requests and has repeated stated that the debt is valid without providing me any proof. The account on my report keeps coming back as verified but I as the consumer have not been provided with one shred of validation or verification documents which I specifically requested in said correspondence. Under the FCRA, I as the consumer am legally entitled to view the documents used in this investigation. I demand proper validation documents of said accounts on my report, to include but not limited to my PHYSICAL signature on a PHYSICAL contract. If the requested documents can not be provided then under the FCRA I demand said account be removed from my credit reports. Thank you for your advanced cooperation.
Product: Credit reporting or other personal consumer reports

I'm a victim of identity Theft. My information has been exposed in the XXXX data breach. The following inquiries and addresses are not affiliated with me nor are they authorized by me and I would like them to remove from any affiliation with me immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Bank of America account XXXX XXXX XX/XX/XXXX in the amount of XXXX. XXXX XXXX XXXX XXXXXXXX amount that must not be held from the consumer is XXXX. At the time I didn't know this but ; a XXXX check was issued by Bank of America and mailed to the wrong address, an old address I no longer have access to, on XX/XX/XXXX. Check arrives to wrong address on XX/XX/XXXX. 

On XX/XX/XXXX, I'm notified by BoA via paperless letter about the levy. THIS document had my correct mailing address on it ( I'm attaching it ). 

In between XX/XX/XXXX and XX/XX/XXXX I learn that there is a minimum the consumer must not have frozen from them. 

On XX/XX/XXXX, trying to track down the possible mailing of a check, not knowing how to get it, I call Bank of America customer service and discover that this has happened, when speaking with the BoA legal order team. There was no other notification that a check existed other than the check itself. 

The legal order team told me I had to wait 90 days from that point, for a new check to be issued. ( I'm unemployed and no longer collecting unemployment ) I need access to the XXXX and should not have to wait another 90 days, and be left with XXXX dollars until then. 

The check that was mailed has not been cashed/deposited, according to the BoA customer service XXXX I called customer service again on XX/XX/XXXX, and that check has still been deposited/cashed by no one.
Product: Credit reporting or other personal consumer reports

The following accounts did not provide property notice prior to furnishing negative information to credit reporting agencies and I am requesting these account to be removed promptly. According the fair credit reporting act 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( B ) Time of Notice ( i ) In general. The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ). 
( ii ) Coordination with new account disclosures. If the notice is provided to the customer prior to furnishing the negative information to a consumer reporting agency, the notice may not be included in the initial disclosures provided under section 127 ( a ) of the Truth in Lending Act. 
92 623 - 15 U.S.C. 1681s-2 ( C ) Coordination with other disclosures. The notice required under subparagraph ( A ) ( i ) may be included on or with any notice of default, any billing statement, or any other materials provided to the customer; and ( ii ) must be clear and conspicuous. 
See also 12 CFR Part 222, App B 70 Fed. Reg. 33281 ( XX/XX/04 ) The following accounts violate the above law XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

I was contacted by a debt collector who misrepresented the amount of the debt and negotiated a settlement based upon this false amount. I paid a negotiated sum to discharge the debt and then was contacted by the originator of the loan and informed that prior to the negotiated settlement date the full amount of the debt had already been forgiven. 

I attended XXXX University XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information on my credit report and to express my concerns regarding the security of my personal information following the XXXX data breach and also inaccurate reporting of charge-offs on my credit report and to request your assistance in ensuring compliance with federal laws, specifically 15 U.S.C. 1635 and 15 U.S.C. 1692g. These accuracies have negatively impacted my credit profile and require immediate correction.

Under the Fair Credit Reporting Act, entities handling consumer information are required to implement reasonable procedures to protect personal data. The following provisions are pertinent : 15 U.S.C. 1681 ( b ) : Purpose of the FCRA This section mandates that consumer reporting agencies use reasonable procedures to ensure the confidentiality, accuracy, and security of consumer information. 

15 U.S.C. 1681e ( b ) : Accuracy of Information Consumer reporting agencies must ensure the maximum possible accuracy of information in consumer reports. The breach has led to inaccuracies in my credit report, including [ describe inaccuracies, if applicable ].

Legal Grounds for Complaint Right of Rescission 15 U.S.C. 1635 Under the Truth in Lending Act, I have exercised my right of rescission for the relevant account ( s ). This legal right voids any obligations related to the account and invalidates any associated charges, including the charge-off status. Despite this, the creditor continues to report the account inaccurately. 

Debt Validation 15 U.S.C. 1692g Pursuant to the Fair Debt Collection Practices Act, I have requested validation of the alleged debt ( s ) from the creditor ( s ) and/or debt collector ( s ). To date, no sufficient validation has been provided, and the continued reporting of these charge-offs violates federal law.

15 U.S.C. 1681w : Disposal of Records This section requires proper disposal of consumer information to prevent unauthorized access. The breach suggests potential negligence in adhering to these requirements.

Please remove the following items from my consumer report, immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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 and inquiries : : XXXX - XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 told this company not to call the number they have on file, as it is not a good number to call. They repeatedly call, and have sent letters to my house. I want them to stop. They will not stop. They need to stop. I want to file a harassment lawsuit against this company.
Product: Money transfer, virtual currency, or money service

Paypal closed my account for no reason and could not help me getting it back and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get any help from them. I just remembered I could file a report here as I feel they are not doing their job appropriately as it has really affected me a great deal especially during these hard times as I have been using PayPal frequently. I'm really suffering as I can't even withdraw funds from my account. My email linked to PayPal is XXXX.
Product: Bank account or service

RE : Case ID XXXX business account is with Bank of America. The account was overdrawn by {$1.00} and there was a check deposited that had not cashed yet so I was charged a {$75.00} fee. I requested they review my business account since this was the first time this event happened. I spoke with XXXX XXXX on XXXX/XXXX/15 in the XXXX XXXX XXXX XXXX in XXXX XXXX XXXX branch and he assured me it would be no problem and he would have to review the account. When I checked my account a few days later the {$75.00} fee was nit returned. I went back in on XXXX/XXXX/15 and Spoke to XXXX XXXX and he stated that he could not do anything about it. I asked to speak to a manager and was told that they were not on the premises. This issue was not resolved and I do n't feel I given the right courtesy for a business client. THIS IS HOW GRATEFUL AND LOYAL BANK OF AMERICA ARE T THEIR BUSINESS CLIENTS. I will NEVER bank with Bank Of America again!
Product: Credit reporting

There are several inquiries on my credit report that I did not authorize. I have written to each company listed informing them that they pulled my credit without my permission. I also disputed these inquires with Equifax. Equifax has said they would not remove them as I authorized them. I have asked for each company that inquired for my credit to provide me with proof that I authorized these inquires. I also have asked Equifax to provide me with the proof that they have received from each inquiry showing that I authorized these inquires. Both the company and Equifax have failed to provide me proof that I authorized these inquires. Equifax has also failed to remove these inquiries from my report as they were not authorized by and are now FRAUD inquires. 
1. XXXX XXXX XXXX XXXX XXXX - Date of inquiry XXXX/XXXX/XXXX2. XXXX XXXX XXXX - Date of inquiry XXXX/XXXX/XXXX3. XXXX XXXX XXXX - Date of inquiry XXXX/XXXX/XXXX4. XXXX XXXX XXXX - Date of inquiry XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, & XXXX/XXXX/XXXX5. XXXX XXXX - Date of inquiry XXXX & XXXX/XXXX/XXXX6. XXXX XXXX GA - Date of inquiry XXXX/XXXX/XXXX, XXXX/XXXX/XXXX7. XXXX XXXX - Date of inquiry XXXX/XXXX/XXXX8. XXXX XXXX XXXX - Date of inquiry XXXX/XXXX/XXXX9. XXXX XXXX XXXX - Date of inquiry XXXX/XXXX/XXXX10. XXXX XXXX XXXX of inquiry - XXXX/XXXX/XXXX11. XXXX XXXX XXXX XXXX - Date of inquiry XXXX/XXXX/XXXX12. XXXX XXXX XXXX - Date of inquiry XXXX/XXXX/XXXX
Product: Credit card or prepaid card

I made payment in full on XX/XX/2022 in the same manner as I have for over two years. Payment was not credit timely until XX/XX/2022. Goldman Sachs held payment for over three business days before posting and sent threatening emails demanding payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank of America on XX/XX/2021 fraudulently submitted a hard inquiry on to my transunion credit file. I called the number on the inquiry because I was not contacted. They told me that was Merrill lynch and they dont see an application. I have extended fraud alerts already and I was not contacted. I did not apply for credit with their institution and I most definitely did not apply for credit. This inquiry is fraudulent, even their credit card department could not locate an application matching my information.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX at XXXX XXXX XXXX, XXXX, OH XXXX has reported a hard inquiry on my credit report. I do not know this company, have never applied for an account, nor have ever done business with this company. This company does not have a contract with my signature.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX RE : XXXX XXXXXXXX XXXX XX/XX/2022 To Whom It May Concern : The credit information currently on my credit report contains an entry showing a closed account XXXX XXXXXXXX I acknowledge that I was unable to fulfill the terms of the account agreement by failing to properly adhere to the monthly payments. In late XX/XX/2022, I was involved in a serious financial hardship that resulted in reduction of work hours my inability to make payments for several months. 

During the period of my recovery, I struggled to maintain my financial obligations and had missed payments. I have since been carefully budgeting and satisfying all of my monetary responsibilities and payments to improve my credit score. 

It would assist me tremendously if you could make a XXXXXXXX XXXX  that delete these negative account entrys from my XXXX credit bureau reports. This is a closed account that represents a past failure that I am hopeful will not continue to hinder my future. 

Thank you for your consideration. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

Around XXXX on XX/XX/20 a person named XXXX from Professional Choice recovery called my work phone asking another employee to speak to me even after last time they called I told them not to call my work that it isn't OK. I requested the bill from the client they where representing and have never received a bill from XXXX XXXX in nebraska, just the bill from them saying if I don't pay immediately they will report it to my credit score. The most recent call though I was informed my insurance paid XXXX XXXX and they where now collecting on the rest of the debt ; However, usually after the medical provider gets paid I should get a bill from the medical provider saying how much I owe them, instead Professional Choice recover is threatening me to send my account to management and that they will report this debt on my credit score.