23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I was refused credit due to incorrect credit reporting practices from XXXX reporting agencies. I have had a running misinformation problem with XXXX, Equifax, and XXXX credit reporting agencies for years. I have been aa victim of fraud as reported to all three agencies in the past, as far backas XX/XX/XXXX. As of XXXX agencies are still putting out misinformation. 
Please help me put a stop to what is being reported. XXXX XXXX
Product: Credit reporting

I have never been able to get my free annual credit report from TransUnion, but i was able to get annual free credit report of XXXX and XXXX until two or three years ago. I complained then, but cant remember what the response was.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX NV XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NV XXXX, XXXX XXXX XXXX Balance : {$460.00}, XXXX XXXX XXXXXXXX XXXX XXXX : {$6900.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$6900.00}, XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX ) XXXX Balance : {$1100.00}, Original Creditor : XXXX XXXX ) XXXX Balance : {$1300.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 received a notice from Lexis Nexis that the company was unable to process my request. You were unable to find my data in your file. I submitted a dispute to Lexis Nexis and provide proof of identity. 

The Consumer Number is : XXXX Case # XXXX I, XXXX XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and as federally protected consumer under the Fair Credit Reporting Act ( FCRA ). 
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.

If this is the case, you are violating my privacy by disclosing my data including my a name that matches mine to 3rd party companies. 3rd party companies such as XXXX, XXXX, and XXXX. 

Attached : 1. My driver License 2. The original letters sent to your company 3. Proof of delivery
Product: Debt collection

On XXXX went to the emergency room at XXXX XXXX ( XXXX XXXX NJ ) after 2 weeks with symptoms of XXXX XXXX ( I never had a fever but found out later that other symptoms were updated to include unable to taste and issues with breathing ) upon arriving i was giving a oxygen mask in the waiting room. I was told there was no hospital beds. They took blood, i was given a XXXX pump ( which i out grown about 35 years ago before high school ( so the pump DID NOT WORK ) I was giving a paper ( FLYER ) to go take a XXXX  test at a drive up testing site located on route XXXX in XXXX XXXX nj. I was told there was nothing else the hospital can do and was sent home but told if symptoms got worst in which i was unable to speak full sentences to come back to the emergency room. That night i sat in a parked car outside the hospital in case i got worst. 

A week later after my symptoms subsided i took a XXXX  test. 

Not only until i started building my credit score by obtaining credit cards and staying on top of my credit did i notice a sharp drop. ( Maybe a victim of CREDIT PARKING ) Upon reviewing ( Credit Report ) the issues i notice ( Reason for drop is a company called XXXX XXXX XXXX XXXX listed as the creditor sending my MEDICAL information to a collection company called XXXX XXXX XXXX / XXXX who post im in debt for {$55000.00}. XXXX shows is was opened on XX/XX/2020 Ironically i did receive a statement dated XXXX from XXXX XXXX XXXX care in which i now see a details of my emergency room visit. the the company website has them as permanently closed. And at no time have i heard anything from the collection company called XXXX, only info is from my credit report in which is the only reason i know of these charges.. 

On XX/XX/2020 i called the XXXX to XXXX XXXX from the statement i got dated XXXX the person stated i went to the hospital on XXXX for XXXX or XXXX  and that my items was sent to collections?? 

I work in an institution in which i work around around dozens and dozens of co-workers, As XXXX  workers we all have physical contact with a countless number of people.. We are told if you dont feel well, stay home and get checked out. I did that XXXX was new at the time in which everyone in the beginning was looking for fevers, only when i saw other symptoms in which i had but other gotten worst but ive always wore a mask. 

These tactics will only discourage sick people from going to get check only to worry more of hospital bills
Product: Credit card

Bank of America has charged me {$150000.00} twice ( for a total of {$30000.00} ) for a credit card dispute. Want to note this whole claim started because a BOA employee left my XXXX checking account details in my customer profile and another employee used that information to conducted wheat was by then an unauthorized transaction. This was told to me by BOA employees BOA refuses to provide any info on where the XXXX {$15000.00} went to and also refuses to properly close the claims in a timely manner. This has been happening since XX/XX/2023 ( XXXX  months total ). The original dispute was opened in XXXX and after no action on the dispute for months, BOA charged me twice to close the dispute in XXXX of XXXX  I have called and sent multiple letters. BOA even refuses to give the correct balance of the account to all credit reporting agencies and is stating my balance is XXXX over its {$29000.00} limit on credit reports My credit score has gone down XXXX points. I have never made a late or missed payment in my 17 years of credit history. My lines of credit for my small business have been dashed along with limits on personal credit cards due to Bank of America 's negligence.
Product: Checking or savings account

The Bluebird company suspended my account for no reason at all.The only thing I was trying to do was to add cash to the card via my XXXX XXXX bank account. And then later I got a email says that I am permanently suspended.My Bluebird account has XXXX $ in the account now its frozen for me.
Product: Student loan

I submitted 3 employer certification forms on XX/XX/22 for loan forgiveness. On XX/XX/22 I submitted the forms for the second time when I received the letter stating only one form was received. On XX/XX/22 only one of the form was processed and even that one was not processed correctly. I called the ombudsman on XX/XX/22 when nothing was updated on their website. The ombudsman stated that it would take 2 weeks to process all the forms. On XX/XX/22, I saw that still only one of the form was processed correctly. I called the ombudsman again on XX/XX/22 who now stated that it would take another month to process.
Product: Credit card

I closed account in XXXX 2015. XXXX CARD Services allowed charge from XXXX to go thru in XXXX 2015 that I did not do. I CLOSED ACCOUNT 9 months ago. XXXX needs to be banned from the industry.
Product: Credit reporting, credit repair services, or other personal consumer reports

Investigation Request Letter To Whom It May Concern : I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all.

Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a XXXX XXXX and XXXX where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them. 
Accounts Account Name : XXXX. Account Number : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

Account Name : XXXX XXXX XXXX XXXX. Account Number : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

Account Name : XXXX XXXXXXXX XXXX XXXX. Account NumberXXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 


Account Name : XXXX XXXX XXXX. Account Number:XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

Account Name : XXXX XXXXXXXX XXXX XXXX Account Number:XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

Account Name : XXXX XXXX. Account NumberXXXX : Please investigate if every piece of information is correct. If not, please remove it from my credit report I also read where I can get the updated report after you investigate this from the XXXX XXXX XXXX. Could you please send it to me? Also, please let me know who had access to my file as well. I want the investigation outcome to be sent to my address I put on the from area. 
Thank you for your time and help in this matter.
Product: Bank account or service

The Bank of America ( " Bank '' ) completely failed to notify me, an XXXX resident, of the overdrawing in issue in a timely manner but charged me an overdraft fees in the approximate amount of {$100.00} or more on or about XXXX/XXXX/15 notwithstanding the facts that the Bank had 3 or more ways to notify, promptly and before any overdraft fees, me of any such overdrawing by phone, email and mail because I provide the Bank with my cell. phone no. given as part of my profile info., my emails address given through my online banking and my address given as part of my account profile info. and that I protested to, and asked, the Bank for their waiver on or about XXXX/XXXX/15. If the Bank had given me the notifications in a timely manner, I would have corrected my overdrawing promptly enough to avoid any such overdraft fees. Therefore, I request that the Bank refund the charged overdraft fees to me and be sanctioned.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone applied for a credit card with Chase Bank in my name. I have been going back and forth for 7-8 months now. I did nto apply for this credit card and I am not using it. Someone must have access to my social number other than me. The person is using the credit card that I never applied for. It is a Chase Bank credit card with {$1000.00} credit limit. XXXX  has been reporting this on my account for 8 months now and I tried to dispute with Chase, but they keep saying that is me. I have perfect payment history and have other credit cards on my report. I would never apply for a credit card with such a low limit.
Product: Debt collection

My name is XXXX XXXX and I am submitting this complaint without any influence from any third party or agency. 
UNDER THE HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ( HIPPA ). I RESERVE THE RIGHT TO PROTECT THE PRIVACY OF MY PERSONAL INFORMATION AND MEDICAL RECORDS FROM ALL THIRD PARTY REPORTING AGENCIES. THE ADDRESS ON MY DRIVER 'S LICENSE IS NOT EVEN VALID. SINCE YOU KNOW ALL MY INFORMATION YOU WOULD'VE KNOWN THAT! CONTINUING TO REPORT THIS MEDICAL DEBT WITHOUT PROPERLY VALIDATING AND PROVIDING ME PROOF OF PERMISSION IS A VIOLATION OF THE FCRA ( FAIR CREDIT REPORTING ACT ). 

PLEASE SEE ATTACHMENTS AND SEND PROOF TO THE ADDRESS ON THE DOCUMENT.
Product: Credit reporting or other personal consumer reports

PLEASE DELETE THE FOLLOWING XXXX : XXXX XXXX XXXX Date of inquiry : XX/XX/year> XXXX XXXX Account Number : XXXX EXPERIAN XXXX XXXX XXXX Account Number : XXXX XXXX  XXXX XXXX Account Number : XXXX XXXX : XXXX XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report. 


XXXX XXXX Account XXXX : XXXX
Product: Mortgage

My husband received a letter from Mortgage Management offering him a {$280000.00} loan against my home. He is not on the title or loan on my home. So I called the XXXX phone number but no answer. Shortly after I received a call from XXXX Alabama regarding my attempt to contact them regarding this letter. I asked how they could be offering money against my property to anyone. Also how many more letters did they send out with my property address on it. The man assured me that it was not fraud. But it sure sound like that to me. I also called XXXX to be removed from their list. - No luck there as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint because Transunion has failed to provide relief to a previous complaint and continues to violate my rights under the FCRA. I submitted a previous complaint # XXXX to the CFPB against Transunion about inquiries on my credit report. Transunion responded XX/XX/22 that they were reviewing the complaint and would follow up within 60 days. On XX/XX/22 they responded that the investigation results would be sent via US mail within 7 business days. I never received the investigation results and through US mail. Also, in the description of non-monetary relief, they stated inquiry deleted. 

The inquiries are still on my credit report : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX 

Not only did the investigation results were not shared but also Transunion has violated federal law : 15 USC 1681 section 602 A. States I have a right to privacy.

15 USC 1681 Section 604 A Section 2. States that my written consent is needed to furnish my consumer report. 

I DID NOT give written instructions to furnish my consumer report with these inquiries.
Product: Checking or savings account

This bank is illegally charging me overdraft fees for charhes I had the funds for. On thursday, XXXX XXXX I overdrafted my account as I get paid the next day, I was paid and bills caused it to go below the overdraft threshold which would give me 1 business day to bring my balance back up, however Chase decided to charge me an overdraft fee over the weekend which weekend overdraft fees being accessed were never mentioned. And on Saturday, XX/XX/XXXX, they released my {$3300.00} hold on my account to charge said overdraft fee. Now today, februaru XXXX I am watching them begin to charge overdraft fees for every transaction of the XXXX I had in the account. I withdrew all of them with my final withdraw bwing the only one that placed me in an overdraft going from {$200.00} to - {$350.00} yet they are charging me MULTIPLE overdraft fees for purchases I had the funds for this is illegal. As you can see by the provided picture they charged me 1 overdraft fee with over {$2000.00} in the account and now today when I've truly overdraftes the account they decide to charge me for every single purchase I made despite having the money.
Product: Debt collection

I received an alert on my credit report this morning for owing {$60.00} to XXXX. I never had XXXX, nor never lived in an area that offered XXXX. I called XXXX and told them that. I ask did the person who opened the account present any physical forms of ID, besides a stolen social security number? My concerns is how can someone open an account in my name, without presenting a physical ID to XXXX? All of my bills are current, and if I had an account with XXXX, it would be current too. I have bigger fish to fry than to slight XXXX out of {$60.00}. I refuse to pay it, because it's not mine. I actually would like XXXX to compensate me something for allowing person to open an account in my name without verifying ID. I'm in the middle of purchasing a home, and if this false information hinders that, I will seek further legal actions.
Product: Debt collection

There are 2 collection entries that keep re-appearing on my credit bureau reports, one of them is an exact duplicate of the first one, but has lowered my credit scores as if it was a separate account. Currently these collection accounts are in the name of Wakefield & Associates, but previously showed other collection agency 's names. I had disputed these accounts 3 times previously, and each of those times, was successful at getting them removed from my reports. Now I noticed that they're back on my reports in Wakefield 's name! For the entire life of this supposed " collection '' account, I have never received a valid 'Notice of Debt ' that complies with Regulation F, from Wakefield or any of the other previous companies.
Product: Checking or savings account

I am filing a complaint against Capital One regarding the deceptive practices related to their XXXX " high yield interest '' savings accounts. Capital One misrepresented the XXXX Savings account as having one of the nation 's highest interest rates, yet failed to notify accountholders about the superior rates offered by the XXXX Performance Savings account. This deliberate obscurity and lack of transparency violated consumer trust and resulted in significant financial losses for many, breaching the Consumer Financial Protection Act and the Truth in Savings Act. I seek redress for the misleading practices and failure to fulfill their advertise promises.
Product: Debt collection

Good morning. My name is XXXX XXXX and I'm inquiring about being put into collection from you all. The reason I'm asking is because we were never supposed to be penalized for moving out due to it being a major leak and a roach infestation in our apartment. We lived in the exact same building that had the fire in XX/XX/XXXX. From XX/XX/XXXX to XX/XX/XXXX. I have all the photos of when the apartment flooded as well as the photos of the roaches crawling around all the time. It was approved for us to move out in XXXX due to you all not having another apartment ready for us to move in and we couldn't stay in unhabitable apartment because of our XXXX XXXX old son. The flood was the last thing to happened. We had been complaining about the roaches from the time we moved in. You all had someone to come out and spray but that didn't help because it was an infestation in the building. Concerning the flooding, it was in the dining room, kitchen, living room, our baby nursery and the entry way. It caused the light domes to cave in and fall from the ceiling in our son room. We had to move out temporarily when it happened and we weren't compensated for any of that or any of our stuff that was damaged. When we came back there was mold/mildew which is when we made the decision to move out the apartment due to us getting the run around about moving into a different apartment. Also lastly I don't understand why if all of this happened in XXXX why you waited until XXXX after the fire to reach out to us when we have repeatedly tried to contact you before and after we moved out about any reimbursement?
Product: Credit reporting, credit repair services, or other personal consumer reports

This collection account I.C. SYSYEM INC is not mine. This account does not belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts.
Product: Credit reporting or other personal consumer reports

I recently checked my credit report and noticed that there's a few inquiries that I don't recognize, I did not authorize this nor given consent to the company to pull up my credit report and it might've been done without my knowledge. It is stressing me out and making me XX/XX/XXXXHope you can address this soon, please.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am contacting you today regarding an alleged dismissed bankruptcy that is reporting on my credit reports. I have disputed it with XXXX, and they removed from my Consumer File. I then proceeded to dispute the bankruptcy with Experian, and they are not complying appropriately to the Fair Credit Reporting Act. It was recommended to me that I initiate a complaint with your organization. I have attached all supporting documents for your review. 

On XX/XX/2020, I received a letter from XXXX stating that they XXXX was unable to verify the accuracy of bankruptcy case number XXXX within the required timeframe as outlined by the Fair Credit Reporting Act, and subsequently removed this record from your XXXX report. 

I proceed to send a letter to Experian on XX/XX/2020 and attached the letter I received from XXXX. Experian responded back with a letter that said that This section includes public record items Experian obtained from local, state and federal courts through a third-party vender, XXXX. In addition, they stated that this public record item is reporting correctly. 

I was confused to how Experian verified this information, since XXXX had already removed it from my consumer report. I went to the recommend website to find out more information and I found out that XXXX does not match bankruptcy information to consumer credit files for XXXX, XXXX  performs the matching. 

I then again proceeded to send letters to Experian dated XX/XX/2020 and then again on XX/XX/2020. I never received a response from Experian. 

Then I sent a letter XX/XX/2020 via certified mail receipt number XXXX XXXX XXXX XXXX XXXX. According to USPS tracking this letter has been received on XX/XX/2020. In this letter I asked Experian for a description of the procedure used to determine the accuracy and completeness of the investigations preformed on my credit report. According to the Fair Credit Reporting Act : A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. of such furnisher, if reasonably available ; It is now XX/XX/2020 and I have not received a response from Experian. Experian has failed once again to comply with the FCRA. '' Attached is all documentation regarding my complaint against Experian. 

I ask that Experian complies to the Fair Credit Reporting Act and removes the item Chapter XXXX Bankruptcy case number XXXX from my credit report.