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

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
15 U.S.C 1681 section 602 A. States I have the right to privacy. 
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Virginia XXXX TransUnion LLC Consumer Dispute Center XXXX  XXXX XXXX  XXXX, PA XXXX credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
I demand the following accounts be verified or removed immediately. 
I received a copy of my credit report and found the following item ( s ) to be in error : 1. The following account is not mine XXXX Account Number : XXXX Please remove it from my credit report. 
2. The following account is not mine XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
3. I Was NEVER Late XXXX  XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
4. I Was NEVER Late XXXX XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
5. I Was NEVER Late XXXX  XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
6. I Was NEVER Late XXXX XXXX  Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
7. The following account is not mine XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB + Equifax, This complaint is in relation to a credit account this creditor has re-aged ( XXXX XXXX  ) illegally and I would like removed immediately. 

attached to this are : - my drivers license - my social security card - my address- my written complaint - screen shot where located on credit report Please have this illegally re-aged account removed immediately from my credit reports.
Product: Credit card or prepaid card

Bank of America is charging me usurious interest rates of 19.99 % and higher. They are charging these rates during an unprecedented era of low rates and during a pandemic. They have refused to lower my rates despite multiple requests.
Product: Checking or savings account

CHASE RESTRICTED MY CHECKING ACCT. ENDING IN XXXX ON XX/XX/ without notice, explanation, violation of Prvacy Act, by branch officer by forcing military type " drilling '' tactics on a vulnerable Mississippian forcing me to leave without filing a claim or looking into accounts activity. I've had NO cash since XX/XX/XXXX making me physically sick which is documented. Since i have not had access I don't know what or what has not been done, what's been hacked,? I know Chase will do nothing! They treated me as if I was the Hackers doing this to myself. IAccussing me of giving my password to Hackers when i told him repeatedly that i DID NOT. GIVE ANYTHING TO ANYONE! 
got a copy of these bogus checks that are comical that anyone would spent anytime on them at all! Chase thinks that I " running some kind of check fraud scam I guess! l. See camera footage. 
IM A VICTIM I'M NOT HACKERS ON DARK WEB!!! 
AS OF YESTERDAY, MY SSA HAS BEEN HACKED & DIRECT DEPOSIT CHANGED TO GO TO HACKERS ON XX/XX/XXXX. ALL THANKS TO CHASE NOT BEING TRANSPARENT WITH ME SO I COULD PROTECT WHAT LITTLE I HAVE LEFT. Chase is working with the Hackers not the victims or consumers! 
Discrimination on the Vulnerable because I live pay check to pay check or because I wear a metal leg to walk with or a came ... doesn't make me any different then anyone else. Why treat me differently?
Product: Credit reporting, credit repair services, or other personal consumer reports

My rights as a consumer are being violated since the information in this credit report is not accurate. The credit report should be verified, complete, and true in order to meet the FCRA and Metro 2 data field formatting standards. 
This is MY 4th REQUEST for a deletion of all personal identifiable information from my consumer credit report with the EXCEPTION of :
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit reporting Act, XXXX XXXX XXXX XXXX XXXX # XXXX, and XXXX XXXX  XXXX # XXXX, has violated my rights.

15 U.S.C 1681 Sec 602A states that I have the right to privacy.

15 U.S.C 1681 sec 604A Sec 2 : also states that a consumer reporting agency can not furnish an account without my written instructions.
Product: Checking or savings account

On XX/XX/year>, I deposited a cashiers check in the amount of {$28000.00} into my personal checking account. The check was issued by XXXX XXXX, a reputable financial institution. Despite this, Bank of America placed an unusually long 7-day hold on the deposit. 

The funds were not released until XXXX XXXX  on XX/XX/year>. Shortly after the funds became available, at midnight on XX/XX/year>, Bank of America withdrew {$7300.00} from my personal checking account without my knowledge or consent. This offset was used to pay a business credit card debt. 

The personal account affected is not contractually linked to the business credit card, and I have never provided signed authorization allowing the bank to withdraw funds from my consumer account to satisfy a commercial debt. The timing of the offset, which occurred immediately after the funds were released, strongly suggests a predatory and reactive seizure rather than a scheduled or authorized transaction. 

I sent a certified legal demand to Bank of America on XX/XX/year>, requesting a full refund and documentation proving their legal authority to perform this offset. I also attempted to escalate the issue via email, but the known escalation address returned a fatal delivery error. 

On XX/XX/year>, at XXXX XXXX  CST, I received a phone call from a Bank of America representative. During that call, my refund request was denied. The representative confirmed that no signed documentation would be provided, and that call records or transcripts would only be made available through a subpoena. 

I have exhausted all internal resolution channels. I am requesting a full refund of the seized funds, a formal investigation into Bank of America 's offset and funds-hold practices, and regulatory enforcement for what I believe constitutes a violation of the Electronic Fund Transfer Act ( EFTA ) .
Product: Checking or savings account

I received my paper paycheck from my job on XX/XX/23. I went to several check cashing stores and even smaller customer service money centers in my neighborhood and they all said they could not cash my check. I NEED MY MONEY! I HAVE NOT BERN ABLE TO PAY BILLS, PAY FOR IMOORTANT MEDICATIONS ( I HAVE XXXX AND XXXX. I HAVE NOW WORKED FIR XXXX WHOLWE MONTH FIR FREE! ) I don't have a XXXX to my name and am defaultingbon major bills. My job banks with Bank of America and I have XXXX checking accounts with Bank of America. On XX/XX/23 my entire paycheck was taken from my account due to Bank of America allowing my accounts to be freezed over an old car debt from nearly XXXX years ago. I didn't know about the freeze until XX/XX/23 the day AFTER it happened. I was never served by XXXX XXXX XXXX XXXX and knew nothing about this legal freeze. I live in Texas. It is against the law for them to with hold wages, but they can freeze money in account. I was not depositing my paper paycheck on XX/XX/23. I was to cash it, at outside checkcashing stores. I literally have no money and been without my XXXXXXXX XXXX  and XXXX XXXX  for XXXX month. I passed out at work yesterday, was sent home, and couldn't go to my doctor because Bank of America has denied me access to cash my paper paycheck. This is not right. I am going to be homeless, lose my car because I can't pay notes, default on bills, have no money for food, no money for gas.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX : # XXXX XXXX  XXXX : # XXXXXXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX : # 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 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

I was offering tennis lessons and was sent a fraudulent check from a scammer claiming to to want to take lessons for his kids. He then sent me a fake check of XXXX digitally through email which I deposited to my Wells Fargo Debit account. He then said he needed to send money to his driver to take his kids to the tennis lessons. I then sent XXXX to the driver to supposedly pay for the tennis lessons. After a few days the money from the original check was withdrawn by Wells Fargo and I was left with a loss of XXXX. I called Wells Fargo and they said that they are not responsible for depositing fake money into my account. Even if I ended up sending money it was because they deposited fake money into my account.
Product: Checking or savings account

Bank of America has fraudulently siphoned XXXX from me. I could not check more options but they have 1. denied my federally insured funds from being returned after I was robbed 2. Opened an account in my name without my consent that went negative and made me repay 3. Charged me outrages fees for atm overdraft and late fees. 4. Have double charged me for the claims they said they paid but never did {$1900.00} and {$2700.00} for the claims they deducted from me and all the overdraft fees late fees penalties they illegally took from me the XXXX years I've been a consumer with them.
Product: Mortgage

We are still working on this! They want so much paper work Trying to do all we can to save our home, We have son with a serious drug problem that has us in and out Courts hospitals rehabs its been non stop we do lose work time and insurance does not cover a lot of this care when you become XXXX!! Its been very hectic with his XXXX XXXX. sorry for venting but I need too sorry. XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXXXXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX US DEPT ED XXXX XXXX : {$17000.00} US DEPT ED XXXX XXXX : {$9100.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I received a copy of my credit report and am disputing 1 incorrect hard inquiry that needs to be deleted indicated in the attached letter below : Capital One ( Bank ) hard inquiry from XX/XX/2021 According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting the names, addresses and telephone numbers of individuals you contacted during your investigation.

Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report.

Thank you.
Product: Debt collection

A company calling themselves XXXX XXXX XXXX is calling my number and my mothers number. Claiming that they are collecting a debt on behalf of Providian Bank for the amount of {$4000.00}. 

They confirmed my name, SSN #, DOB, and address. All correct. 

Nothing was sent to me in the mail certified. They have been calling and leaving messages on my phone. 

No court documents were sent to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX IXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I've been denied multiple times, forvmy personal loan when there is two names on one social security number. 

Federal fraud due to an clerical error & the XXXX data breach. 

This is corrupted process that XXXX XXXX & XXXX has beeen negligence since XX/XX/18 My file is not accurate. 

Personal loan ID : XXXX
Product: Debt collection

This collection company sent me a fake American Express notice about setting up a payment plan. I called the number and a middle eastern man answered the phone. He never once said he worked for American Express, just that he needed my social and he would transfer me. 

Not catching on to the scam, I unfortunately gave him my social. I then heard multiple middle eastern people talking among themselves and hung up. 

" XXXX XXXX '' has called me today from caller ID # XXXX and # XXXX leaving a message to call back XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have notified all creditors that I am moving forward with a personal bankruptcy and I'm still being harassed.
Product: Credit reporting, credit repair services, or other personal consumer reports

experian just changing my address to keep documents and address that are not mine please have them stop they are breaking the law using deceptive practices
Product: Mortgage

I was out of work for several months and went mont a few weeks ago. I was given a forebearance but it would all have to be due in 3 mos. I took the last of the money I had and borrowed the rest to make my last month payment because I dont want to lose my home but knew that I would not be able to pay 3 mos all together. My XXXX payment is due and Im still offered the same arrangement. I dont see how thats helping. I asked for the ombudsman contact info but it wasnt given to me. I was referred to the manager whos handling my forebearance. I dont need to talk to him because the answer will still be the same. I am back working but Im behind on everything needless to say.
Product: Money transfers

Good Day my name is XXXX I am filing a complaint with PNC Bank due to there neglience not retaining or recovering my expense of XXXX that was submitted through there branch in XXXX Maryland on XX/XX/2017. The Gentle man name was XXXX who took my Debit Card and Driver License never explain the details of how this process work. I discover this debt out of the checking account the very next day XX/XX/2017 I came to the PNC in XXXX, which i ask the representative did the XXXX get debit out the count she informed that was a wired transfer whereas i shock. I learn that that this was a debit not a wire transfer which I am provided to this office for further investigation. On XX/XX/2017 PNC customer care put a Security alter on the account which was documented. XX/XX/2017 The actual dispute was filed with no results of getting money. I was told by the wire transfer department that I would see results by XX/XX/2017, or XX/XX/2017 whereas PNC given myself and XXXX who is my son cause there are direct deposited that enter into the account. PNC instructed me on XX/XX/2017 to reopen up a another account so that the XXXX can come through which Myself or XXXX ( son ) can transfer funds to new checking account. Therefore there been nothing done. I spoke with XXXX who lied to me on XX/XX/2017 alleged this Federal Reserve Program to get the funds cause they are the ones that are responsible. XXXX indicate to me that they never heard from XXXX due to Federal Reserve that it will take more than 10 days. PNC ask me to block there email address which I did. I also filed a Police report through XXXX XXXX XXXX Maryland whereas they told me when fundings are enter into another country. PNC is responsible for recovering your funds back to your account cause it is Federal Insure money. I have documents I never received jewelry at all from XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your help to REMOVE some items from my credit file that occurred because of a FRAUD yet I have certain items passed on that should be REMOVED. Per FCRA segment 605 you are supposed to clear any data recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've informed my lawyer regarding my objective and they are eager to consider you responsible for your negligence : XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX-XXXX  ) XXXX Balance : {$2600.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX ) XXXX Balance : {$780.00} ; XXXX XXXX XXXX  XXXX Balance : {$570.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ; XXXX XXXX XXXX  XXXX XXXX, PA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ; XXXX XXXX XXXX XXXX PA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX PA ; XXXX, XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX
Product: Checking or savings account

I was a customer for over XXXX and I kept dealing with fraud which led to them closing my account instead of helping me..
Product: Credit reporting or other personal consumer reports

Im disputing information on my credit report. Pursuant to FCRA 605B Im including exactly what youre requesting. Proof of my identity, accounts which are involved with the theft & a copy of a completed & submitted FTC identity theft report. Im complying with the letter of the law & what youre required to have to honor my 605B request. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Last summer I bought pants at old navy. The cashier signed me up for the old navy credit card because their card systems were down, and she said that was the only way I could pay for my pants at the time. I called Barclays ( the Mastercard service ) to make my payment a month later. I paid in full, and I havent used the old navy  credit card since. 
Every month since then I have received a statement in the mail, and countless calls saying that I am late on my payments. Every time Ive called- the original payment is in their system, the late fees are cancelled, and my account closed. But then I keep getting messages that my account is not paid and I have late fees. I am so frustrated and I feel like I am getting scammed. Not only that, but the last several times Ive called I explain my problem, and then the line goes silent. Its like they wont even give me a chance to figure it out.
Product: Payday loan, title loan, personal loan, or advance loan

I took out a credit builder loan for {$1000.00}. {$220.00} was immediately available to me and the remaining {$770.00} was held in a credit reserve account until the loan was paid off, upon which would be immediately transferred to an account that I could withdraw the money from. I paid the loan off XX/XX/XXXX however the money was not immediately transferred to my account and still has not been transferred 5 days later. I have been in contact with MoneyLion reps every day. I was first told it would take 1 business day, then 2 business days, and now they are telling me it will be another 3 to 5 business days. They have received their money but are refusing to give me the remaining {$770.00} that I am entitled to.