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

XXXX XXXX XXXX did not have staff available to receive payment before it became 30 days past due. I called in to make a payment and a staff member stated the person to receive that payment was not available. When the person called me back to make a payment it was too late and cause me to go 30 days past due. I have asked Experian and XXXX XXXX XXXX to verify with recorded phone calls and how the payment was made. No such thing has been done, and to verify my STORY they created a new payment software because of how difficult it was to make a payment. Which you can verify on their website called XXXX XXXXy how ironic. Please assist with this late payment being reported, and as you can see I have no other late payments on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

My husband and I had a lease with Ally from XXXX - XXXX. The lease paid off early by our insurance company in XX/XX/XXXX. Ally started reporting Collection/Chargeoff on our reports for XXXX and XXXX of XXXX My husband called to rectify the issue. Ally fixed the errors on all the Reports except for my XXXX where it is still Collection/Chargeoff and is hurting my credit dearly.
Product: Credit card or prepaid card

I want to Lowes store XXXX because Ive been trying to purchase something, somethings rather And I was so disturbed at the customer service. I receive first I was greeted by XXXX XXXX who said ohh she cant help she went and got someone who seem agitated and her position was oh corporate put a note on the account no online orders only in store and I need to verify. I asked her what would need to be verified and I am in store now, so how do we get past this impasse she say oh I dont know and turned and walked off I waited another 25 minutes for them to find a manager who came up his name was XXXX and I just happened to stop him because he was walking by me as if I didnt exist. he didnt states nobody told him nothing. Im not his problem, you know XXXX people do fraud. I could not believe it. He then turned and walked off on me. I stated to them I am in the store I am I have my ID what else do we need to verify and they refuse to assist me
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 U.S.C 1681 1 ) IXXXX XXXX XXXX XXXX XXXX XXXX account # # # # # # # XXXX has violated my rights Hard Inquiries XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All account above have violate 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 Section2 : It also states a consumer reporting agency can not furnish an account without my written instructions,
Product: Checking or savings account

I have received my finicial aid disbursement for the XXXX XXXX XXXX in the amount of {$5100.00} on XXXX XXXX the hold was placed on my funds until XXXX XXXX even after the funds were paid the bank continued to hold my funds.
Product: Checking or savings account

I detected three unauthorized transactions on my Bank of America XXXX XXXX account after I received an email on Monday, informing me that my account was overdrawn. The three transactions removed all of the funds from the account. I immediately asked my XXXX Manager to call Bank of America to report the fraud, at approx. XXXX on XX/XX/2022. They said they could not release the details to him, and so I called at approx. XXXX XXXX and was on hold for almost an hour before reaching a representative. She informed me that the fraud was not with the debit card, which was her department, but ACH fraud and that I would have to submit a paper form by fax and that the ACH fraud department would contact me. I immediately submitted the form. 

The three transactions were : ID : XXXXXXXX XXXX Amount : {$440.00} ID : XXXX Amount : {$2500.00} ID : XXXX XXXX Amount : {$12000.00} The next day at bank opening, I went to my nearest Bank of America branch. The associate, and later the manager, told me they could not assist me but that I had to call the ACH fraud line. I insisted they call and explain my situation. We were on hold for 40 minutes before the line disconnected ( a landline ). I had before and have since called, with the same result. They have made contacting their fraud department to report a fraud so impossible, that their own branch managers can not reach the fraud department. The manager told me that they were probably experiencing very high call volumes. 

The manager and associate then strongly implied that this was some type of hack and the error must be in my security. I informed them that I was the only person with the account password, which was strong and not used anywhere else. Upon returning to my computer, I confirmed that the web interface had not initiated any incorrect ACH transactions and made a printout as a backup. 

She said there was nothing they could do, and this could take up to 45 days to resolve. I informed her that my business would have expenses before 45 days, including payroll and rent. She said there was nothing she could do to accelerate the process and return my company 's money. 

I subsequently spoke to the same bank manager ( XXXX XXXX, Assistant Vice President and Financial Center Manager ) and she suggested calling the same ACH fraud number in 2-3 days. She said the transactions were made XXXX and XXXX XXXX, and that Bank of America was blameless. I pointed out that she and I had called that same number without ever being able to reach anyone, and she said she hoped that this would not happen again in 2-3 days.

I have had no contact from the ACH True Fraud department that the bank associate mentioned. Bank of America has gone out of their way not to confirm any details and to deflect blame for what is clearly a massive security error on their part. Bank of America has created a system where it is impossible to reach their fraud department, even for their own vice-presidents.
Product: Debt collection

This debt collector company is continuing to attempt to collect on an installment loan that I had through XXXX XXXX and paid off completely. They have also reported adverse information to all XXXX credit agencies, and illegally obtained a copy of my credit report, which has had an extreme negative impact to my credit report and score. This action on their behalf is now interfering with my job and my XXXX. I could possibly lose my job and my XXXX due to this agencies reckless collection practices. I have disputed this claim with the debt collector and collection agencies, however, the company still continues to verify that their information is accurate which it is not. They are trying to collect on a five year installment loan that I paid each month on time for the entire duration of the loan. " This was paid in full ''. I do not owe neither XXXX nor XXXX anything, however, they continue to report false information. I have provided them with copies of my credit report that shows I paid XXXX XXXX for 5 years on time, yet XXXX still continues to attempt collection practices. 

I have attached XXXX documents from my credit reports. XXXX is from the Collection agency that continues to report negatively even as recent as last month and the other is from XXXX XXXX which reports that this account was opened in XX/XX/XXXX and closed in XX/XX/XXXX. It also shows that it was a five year installment loan and was paid with a XXXX balance.
Product: Credit reporting or other personal consumer reports

I just received a copy of my credit report and to my surprise, I noticed that my right to privacy has been violated. By no means have I given you any permission to report non-public personal information without written consent. Nor have I provided any financial institution, or third party ( collection agencies ) authority to obtain any information. 
In regards to 15 U.S. Code 6802 Obligations with respect to disclosures of personal information ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving the third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving the third party, unless such disclosure would be lawful if made directly to such other person by the financial institution. 
I do not consent to any third party obtaining non-personal information without my knowledge or notice. The Fair Credit Reporting Act ( FCRA ) was enacted to protect the confidential information on consumers ' credit reports from misuse, fraud, and theft. It gives consumers the right to ensure that the information on their credit reports is not only correct but private. 
Also in accordance with 15 U.S. Code 1681a Definitions ; rules of construction, ( 2 ) ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title. 
Due to the breach of my privacy, I am requesting the following items be Deleted Immediately. 



1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

2. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX  XXXX  Account Number : XXXX  Delete this account. 

3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  Account Number : XXXX Delete this account. 

4. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX  Account Number : XXXX Please remove it from my credit report. 
5. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently reviewed my credit report and noticed some unauthorized accounts on my credit report and under 15 USC 1681 ( a ) ( 3 ), the credit reporting agencies have illegally assumed this role without MY permission not only that I NEVER GAVE them my consent to report this information to anyone. They did not respect my right to privacy which is clearly state in 15 USC 1681 ( a ) ( 4 ). The credit reporting agencies have NOT exercised their grave responsibility, they were unfair, they were partial and because of that they each have violated my consumer rights. The credit reporting agencies have NEVER had a permissible purpose Under 1681 ( b ) ( 2 ). I never instructed your company to furnish this report and I never consented to this report in the first place.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I purchased merchandise at a XXXX XXXX XXXX in XXXX, Oregon. At checkout, I was solicited by the cashier to apply for a XXXX XXXX XXXX Mastercard and if approved, would receive a discount on my purchase. She repeatedly, at least 3-4 times assured me that this was not going to result in a credit inquiry, and was simply a " soft pull '' with no credit bureau reporting. I told her this was critical as I was about to refinance my home and did not want to negatively impact my FICO score. She said she was 100 % certain that no credit reporting would be done. With that I agreed. The following day, I received notification from XXXX Experian and XXXX  that XXXX XXXX  had pulled my report and my FICO has dropped 100 points as a result. Incensed, I contacted XXXX XXXX to report what had occurred, immediately cancelled the account, and demanded that they contact the 3 bureaus to rescind the inquiry. They agreed to do so but said it would take weeks for the agencies to reverse the inquiry. I followed up 3 more times in the next few says and agents I spoke to reaffirmed that this had been done. I also contacted the agencies and sent letters confirming my discussions with XXXX. Additionally, I contacted the Manager of the XXXX XXXX and he apologized, acknowledging that the lady misinformed me and he would take proper action. He even reversed the charge and sent a small gift card to evidence his apology. I just received letters from XXXX and XXXX this week informing me that the inquiry is valid and will stand, contrary to what was mentioned during my multiple phone conversations with both. Meanwhile, with a lower FICO score, i am unable to complete my refinance, as the higher rate will raise my monthly payment on a 30 year mortgage by {$200.00} a month. Would greatly appreciate your help and support to mandate the lender to remove this inquiry.
Product: Credit card or prepaid card

I have applied for the XXXX XXXX XXXX Master card in XX/XX/2021. I was approved and an account was established, however, I never received my physical card. Upon a few inquiries, I learned that additional information regarding identity verification would be required. I happily obliged and mailed in a copy of the front and back of my NJ driver 's license as well as a copy of my tax returns which show my social security number ( in place of a copy of an actual social security card ). I verified these two pieces of evidence would be acceptable before mailing. Fast forwarding several weeks, I kicked-off a series of inquiries and was told that no information was received. I then decided to fax the information using XXXX ( service which thankfully keeps records of time/date and successful delivery status as well as takes pictures of what was transmitted ). I faxed the information on XXXX XXXXGMT ( receiving machine fax ID : XXXX ) and waited a few days before engaging in subsequent follow-up. In my continued follow-up, I was told that no information could be located and then after multiple phone calls, the feedback provided was that not all information has been received ( despite having/offering evidence to the contrary ). I was then asked to resend the information via fax ( mail and fax are the only two allowed methods of transmission and I offered email as well as XXXX as alternatives to helping the company solve their document management process challenges ) which I did on XXXX XXXX-GMT. I then restarted my inquiries with the final one being today where after 2 hours on the phone with a representative and their team lead, they were still not able to locate the documents despite evidence of successful transmission. Hence, I am currently without my card for about a month and a half and the promotion/incentive to have set it up ( linked to spending an X amount in the first 3 months ) is in question. Forgetting for a second the tens of hours spent on the phone as well as the incentive which I will not be able to take advantage of due to the company 's delays, I have significant concerns about the privacy of my data since the company can not seem to find any of the documentation I mailed AND faxed ( twice ). Last but not least, the company stated that they received a copy of my social security card, which is puzzling ( as explained to every representative I spoke with to date ) because I have never sent this information in. There is a clear need for an investigation as to the data integrity and privacy controls at the company based on the inaccuracy of notes taken during my conversations, but more importantly based on the loss of my private information/data. This is not only a violation of privacy laws but goes against all GDPR principles.
Product: Vehicle loan or lease

Skopos Financial Recently lost a law suit and a major case against illegal and unfair loan practices. I was included in the law suit. They had to pay me all of my monies back. This issue is they also agreed to remove the negative reports from my credit and they have not removed it from all the reporting agencies. I have written them several times for the inquires to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I did an investigation on my credit report which caused financial hardships & stress on me because, I feel like some of my personal information may have fallen into the wrong hands based on the XXXX data breach I found unverifiable, invalidated, inaccurate, and questionable items that XXXX, XXXX, Transunion didnt make sure it was reporting 100 % correct. I reached out to them and nothing was done. In accordance with Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S Code 1681e ( b ) 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are ( 6 ) student loans being reported under XXXX  XXXX XXXX reporting inaccurate late payments. It clearly indicated on my credit report XXXX PAYMENT MONTHLY DUE. there was NEVER ANY PAYMENTS DUE ON ANY OF THESE LOANS PRIOR TO IT BEING TRANSFERRED. THESE LOANS HAVE BEEN ON MY CREDIT FILE SINCE XXXX. WHICH LRGALLY IS AGAINST MY FCRA RIGHTS anything after 7 years NEEDS TO BE REMOVED FROM MY CREDIT FILE. THE INFORMATION HAS BEEN REPORTED INACCURATE SINCE XXXX  PLEASE REMOVE ALL 6 ACCOUNTS AND ALL LATE PAYMENTS. THERE WAS NEVER ANY MONTHLY PAYMENT DUE.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I am the consumer and I know my rights according to 15 USC 1666B do you have marked me late without give me a bill within 21 days of the due date
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Bank account or service

I contacted Fifth Third Bank XXXX/XXXX/2015 via XXXX regarding the status of my checking account due to Decline of a payment for XXXX on XXXX/XXXX/15 by the bank. As of XXXX/XXXX/15 I had over {$4400.00} in my checking account and it has disappeard. I am alleging it is a scam because the personnel at the bank through an outside party back in XXXX XXXX stole $ 8K from my checking account and never replaced it even though I have XXXX times a month called, sent letters and personally gone to the bank XXXX TN the have yet cooperated with me and when asked for the fraud dept to discuss this issue they gave me the wrong phone no which had been disconnected.
Product: Credit card or prepaid card

Account number XXXX XXXXCase# XXXXOn the date of XX/XX/2019, a laptop from the manufacturer XXXX, was purchased from XXXX. The purchase was in the amount of $XXXX. The laptop received was completely inoperable. It would not turn on in anyway. Multiple attempts were made to receive return merchandise authorization from XXXX. XXXX's has a 30 day return policy for their items. I put in within the allowed time frame and the seller "XXXX", did not respond. I messaged them multiple times asking them to send a prepaid return label as this is their policy. I brought this item to a local repair shop and they were unable to do anything to help fix this problem and was told to continue to attempt to return the merchandise to the seller. All items requested by Capital One including, my personal opinion, copy of receipt, and copy of a 3rd party opinion explaining that the product could not be fixed by any means, was included in the documentation that was sent to Capital One. We have made all attempt to try to return the merchandise which were clearly ignored by the seller. All information requested by Capital One was provided and Capital One Bank still declined my dispute.Please help resolve this problem on my bill.
Product: Checking or savings account

Bank of America has been charging my savings accounts a monthly maintenance fee even after meeting requirement as stipulated to me ( i.e. maintaining a direct deposits from my checking to savings account each month ). Spoke with the agent, she say the rules have changes now - but Bank of America never informed me about changes and agent also confirmed that I was not sent a notification. I would request these fees to be reimbursed to me and close my savings accounts. The agent was unable to process refunds due to her access limitations.
Product: Credit reporting or other personal consumer reports

I have complained about identity theft on several different occasions. If you can provide the following, you must erase or block any things that were opened without my knowledge, authorization, or authority within four business days : ( XXXX ) Appropriate identity documentation ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the customer 's identification of the pertinent data ; and ( XXXX ) a customer declaration indicating that the data is unconnected to any transactions. 

XXXX XXXX XXXX XXXX XXXX, XXXX 9XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$17000.00} XXXXXXXX XXXX  XXXX Balance Owed : {$1900.00} XXXX XXXX Balance Owed : {$1900.00} XXXX XXXX Balance Owed : {$1400.00} XXXX XXXX XXXX Balance Owed : {$740.00} XXXX XXXXXXXX Balance Owed : {$5500.00} XXXX  XXXX XXXX Balance Owed : {$830.00} XXXX  XXXX XXXX Balance Owed : {$44.00} XXXX  XXXX XXXX Balance Owed : {$16.00} XXXX XXXX XXXX  XX/XX/XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit card

I over payed my credit card it by a significant amount. The balance to be returned is {$1200.00}. Subsequently, I closed the account due to many other concerns with Comenity Bank. Comenity claims they sent the check on XX/XX/23. I do not have the check. On discussion Comenity suggested I research my deposits which show no check for that amount. I requested a copy of the cleared check on three occasions which I have never received. I would like to see the cleared check so that I can verify reimbursement.