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

I called experian on XX/XX/year>, on or around XXXX XXXX  PDT. As usual, experian had very long hold times. My call lasted almost 1 hour, and my matter was not resolved. When I was finally transfered to Experian 's XXXX XXXX XXXX XXXX  department, the XXXX in the XXXX either engaged in call-avoidance or had a system problem and stopped talking. My phone was still connected, however, after providing all of my personally identifiable information, the agent went silent. I kept saying " hello? Agent are you there? '' There was no response. This is a pattern and practice with experian. I'm sick and tired of this being a repetitive problem with experian : excessive hold times and dropped phone calls. In addition, I am submitting complaints with the : XXXX, FTC and OAG. I seek to hold experian accountable. Please sanction experian. THIS IS NOT A DISPUTE REQUEST. DO NO FILE A CREDIT DISPUTE. DO NOT SEND ME A COPY OF MY CREDIT REPORT. DO NOT ADD A FRAUD ALERT TO MY PROFILE.
Product: Credit card or prepaid card

I have a Bank of America Visa card. This account was paid and should be off my credit report but Bank of America show it still unpaid. I've tried to get them to correct the information but it still shows up as unpaid on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I received an email from XXXX about an update to my TransUnion credit score changing a specific amount. I realized at that point, XXXX had been CCing my ex-spouse, whose access I had removed from my XXXX account a long time ago, on an email alert about my finances. She's been receiving details about my credit score, when I'm paid, how much money I spent, etc. 

This is a significant breach in privacy for me, and all XXXX will tell me is " we took care of it ''. I've had two chats with their support, but no one will help me understand what happened or feel confident it was resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, XXXX and XXXX has violated my federally protected consumer right to privacy, confidentiality and agencies not reporting XXXX XXXX accurate information under 15 U.S.C 1681. 
Since l submitted Since l submitted complaints to Consumer Financial Protection Bureau ( CFPB ) Complaints onXXXX for Equifax ID # XXXX, XXXX XXXX # XXXX and XXXX XXXX # XXXX the agencys has reach out to XXXX XXXXl, XXXX XXXX  XXXX XXXX and XXXX XXXX which is XXXX out The several reporting companies l complaint to CFPB on XXXX concerning reporting inaccurate informations. The companys had changed their information to corrected the information reporting and sent the information back to Equifax, XXXX and XXXX. Over the past several years l have disputing a lot of the inaccuracies information with the companys and credit bureau agencys until l filed the complaints with the CFPB thats when the Credit Bureau and Companys is now starting to correct the inaccuracy information been reported by the companys. Im uploading he changed they made because l filed the XX/XX/2022. There are several more companys that l addressed in my complaints on XXXX waiting to hear from the credit bureaus when changes going to occur. The inaccuracy information had impacted my life and Improper use of my report l did not give the Credit Bureaus written permission to furnish my account or my information. I have the right to privacy 15 U.S.C 1681. 

Improper use of my report and furnish inaccurate information has violated my right. 15 USC 1681 section 602 A. States l have the right to privacy. 15 USC 1681 section 2. It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1681c ( a ) ( 5 ) section states : no consumer reporting agency may make any of the following items of information. Any other adverse items of information, other than records of convictions of crimes which antedated the report by more than Seven years. 15 US C 1681 s-2 ( A ) ( 1 ) A person shall furnish any relating to consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Im demanding that the accounts in the complaints ID # XXXX, # XXXX XXXX and # XXXX XXXX be permanently and immediately removed from my report in accordance with 15 USC 1681
Product: Money transfer, virtual currency, or money service

XXXX XXXX XXXX stole money from me in cash from my XXXX  XXXX XXXX checking account for the mortgage of someone else, he owes me and his company owes me XXXX in cash plus the interest for 15 years because he had the use of the money for all this years and i can prove it. My hard earned money as a teacher and my social XXXX payments went to the account of XXXX XXXX XXXX, his buddies or his associates and they feasted on it. Please return the money is not yours.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

XXXX XXXX XXXX Report Date : XX/XX/2023 2023
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to both Climb Credit and XXXX  and have spoken on the phone with agents from each company more than XXXX separate times. I have made on time payments for the months of XX/XX/2022, XX/XX/2022, XX/XX/2022 and XX/XX/2022. Climb Credit continues to report failed or missed payments for XXXX, XXXX and XX/XX/2022. XXXX is now reflecting as on time but I still need XXXX, XXXX and XXXX updated. The agents I have spoken with in the past have told me to wait until the new month and all would be reported correctly but I have now waited 2 months with no resolution. I reached out to Climb Credit via their website chat and was told to open a dispute with XXXX, I created a dispute with XXXX twice and the payments are still reflecting as late for XXXX and XX/XX/2022. I am looking to buy a home soon and need this resolved as soon as possible.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have rights to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to update this suspicious accounts. I think you have not validated these accounts 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 # XXXX, XXXX, XXXX and I'm including it again. 
XXXX XXXX XXXX Balance : {$630.00} XXXX  XXXX XXXX Balance : {$700.00} XXXX  XXXX XXXX Balance : {$450.00} XXXX  XXXX Balance : {$700.00} XXXX  XXXX XXXX Balance : {$240.00} XXXX  XXXX Balance : {$250.00}
Product: Credit card

Please examine the attached documents. I request the bureau to investigate the accounts that inaccurately depict me as late, despite my punctual payments.
Product: Student loan

I received a letter dated XX/XX/XXXX that my student loans were discharged and that i would receive a refund. I did contact Nelnet on XX/XX/XXXX who stated that I needed to contact federal student loans. Also, My payment history was wiped clean but i do know that about {$6800.00} should be refunded. The rep also confirmed this should be by check but could not tell me the exact amount. Just to add up my payments and thats the amount due. I contacted Student aid who stated they do not have this information and that in fact Nelnet has the payment information. Since then both organizations have blamed each other but no one will tell me when my money should be mailed to me or how much. I have emailed several times and i receive an email stating that the turn around time has been increased. I have submitted a complaint on the student aid website and all attempts made have gone cold as no one will answer this back. I would like to know when I would received a refund since under Borrower Defense, my application has been approved for full discharge. But I am getting the run around and no answers
Product: Debt collection

XXXX XXXX. 
XXXX the amount I requested all paperwork I signed saying I owe Allied Collection Services XXXX, XXXX dollars. No reply back of proof. Under the FDCPA, a debt collector is prohibited from communicating with a consumer after the consumer disputes the debt, except to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor. 15 U.S.C. 1692c ( c ) ( 2 ).
Product: Checking or savings account

Chime closed my account for no reason and wont Open it with over XXXX in it. 

I have sent the documentation multiple times and they wont accept it. Closed my login to the account. Theyre stealing my money.
Product: Credit card

Received a credit card in the mail from FORTIVA. Had an account with them XXXX  years ago when I purchased a XXXX security system. They upgraded my account by changing it to a general use XXXX. I work for a bank, so I keep a close eye on my credit. This morning I noticed XXXX had lowered my score XXXX points due to a hard hit on my credit by FORTIVA. I have not activated the card, nor did I ever approve them running my credit. I didnt ask for a credit card to be sent to me. This is an obvious violation of the TILA I just trained on at my job yesterday. I have called FORTIVA, and they promised they would fix everything, but were unwilling to send any documents supporting what they have done or will do. I am supposed to wait up to XXXX  months to see whether or not they followed through.
Product: Credit reporting or other personal consumer reports

i sent letters to the CRAs, on XXXX about the inaccurate information they are reporting on my report.The child support is inaccurate and also illegal because they recently passed the law that child support should not be reporting on a consumer credit report. i am requesting that the information be delete from my credit report the case law is XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance to the fair credit reporting act this creditor has violated my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've contacted XXXX & they told me I've never missed a payment, yet Experian refuses to remove me from being listed as late on XX/XX/19 on the account. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do Experians job for them to shield my credit & prove my identity. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please remove the late date from this account : XXXX  XXXX
Product: Bank account or service

I deposit a check payable by XXXX Bank and issued to me XXXX using a Bank of America ATM on XXXX15 to my Bank of America account. I checked my account on Saturday and it reflected no hold on my account. This morning XXXX/XXXX/15, I logged into my Bank of America account stating a hold was placed on my account and I was being notified by mail. Meanwhile I have a contractor coming to my house that I need to make a payment so he can start repairs to my home. That check I deposited is for the repairs to m home. I called Bank of America I was told the funds would not be available until XXXX/XXXX/15. I was under the understanding that banks are not allowed to hold funds for that long.
Product: Debt collection

I sent two debt verification letters to Credit Collections, USA, LLC and they failed to respond to me and have ignored all of my requests of validation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for an XXXX Mastercard on XX/XX/19 and was denied credit based on information contained within my report from Sagestream , LLC. - a company I had never heard of until today. The denial reasons given were : " Consumer associated with too many phone changes, days since most recent inquiry, inquiries did adversely affect the score, limited history for consumer at this phone ''. Furthermore, the reported credit score was XXXX - nearly 300 points lower than my scores with all three major credit bureaus. I find this denial to be absurd and grossly inaccurate considering I have two other credit cards with the same bank that issues the XXXX credit card ( XXXX XXXX  ) that have been in good standing for many years. When I attempted to contact this company to request a copy of my report to review the obvious inaccuracies it must contain, I could not get through to a live individual and was directed to leave a voicemail message or to submit my request via their website. Upon looking at their website, the requirements to obtain a copy of my credit report were as follows : A. Required Information Your first name, middle name, last name, suffix ( if applicable ) Your current address including ZIP code Your current phone number with area code Your Social Security number Your date of birth ( month, day, and year ) B. Proof of Identity Documentation For security purposes, to confirm your identity, please include with your written request : a legible copy of your current drivers license or other current government-issued identification card showing your current address and date of birth. 

This is completely unacceptable. Consumers should be able to first of all speak with someone when calling regarding concerns about their credit report and secondly should not have to submit hard copies of any identification considering the company should already have this information on file since the information they provided was used to deny my credit application.
Product: Credit reporting, credit repair services, or other personal consumer reports

A few months ago my wife and I checked our reports and discovered multiple accounts that did not belong to us being reported. We involved the police and opened up a dispute about the accounts but there are still lingering accounts reporting that are there from the identity theft case. Im writing to request the credit bureaus correct my reports within 30 days. All items should be removed from my credit report. I never had any credit.
Product: Mortgage

Prior to receiving a clear to close letter from my lender, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I had to provide proof of payment for insurance on my condominium unit. This was provided and the servicer is withholding and disbursing payments to my insurer. I am concerned that the servicer is not adequately protecting my personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX XXXX XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. The confusing part for me is it doesnt reflect anything except 30 days past due. Ive never been behind on my payment. I tried contacting the 3 Credit Bureaus and the XXXX XXXX XXXX but they have provided me with nothing tangible which reflects anything verifiable. There is definitely an error with their part. I was never late. Investigate properly and please delete for 100 % 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
Product: Credit reporting or other personal consumer reports

Title 15 of the United States Code, Section 1681n, is a provision within the Fair Credit Reporting Act ( FCRA ). This section addresses the liability of consumer reporting agencies for willful noncompliance with the requirements of the FCRA. Here 's a summary of the key points covered in this section : 15 USC 1681n : ( a ) Civil Liability for Willful Noncompliance : Consumer Reporting Agencies : Any consumer reporting agency that willfully fails to comply with any requirement imposed under the FCRA with respect to any consumer is liable to that consumer in an amount equal to the sum of : Actual Damages : The actual damages sustained by the consumer as a result of the failure to comply.

Statutory Damages : Such amount of punitive damages as the court may allow, which shall not exceed {$1000.00}.

Attorneys ' Fees : In addition to actual and statutory damages, the consumer reporting agency may also be liable for reasonable attorneys ' fees and court costs incurred by the consumer in bringing the action.

Practical Implications : Consumer Protection : Section 1681n of the FCRA serves as a mechanism to protect consumers by holding consumer reporting agencies accountable for willful violations of the FCRA 's requirements.

Liability for Damages : Consumer reporting agencies that willfully fail to comply with FCRA requirements may be liable for both actual damages suffered by the consumer and statutory damages, with the total amount not exceeding {$1000.00}.

Punitive Damages : Courts have the discretion to award punitive damages in addition to actual damages, up to the statutory limit of {$1000.00}.

Attorneys ' Fees : Consumer reporting agencies found liable under this provision may also be required to pay the consumer 's reasonable attorneys ' fees and court costs incurred in bringing legal action.

Overall, 15 USC 1681n plays a crucial role in ensuring that consumer reporting agencies adhere to the requirements of the FCRA and provides consumers with a means of seeking redress for willful violations of their rights under the law.
Product: Checking or savings account

Since opening my Wells Fargo Checking account in XXXX, I have been charged a monthly service fee of {$10.00}, although I was told beforehand that if I made XXXX or more debit card transactions per month, this fee would be waived. I am still charged the fee every month regardless of how many times I use my debit card.
Product: Debt collection

XXXX XXXX sold my private information to this third part collection agency. This company emails me frequently through out the day and the use very harsh language with me.
Product: Credit reporting, credit repair services, or other personal consumer reports

My social security information was exposed. These three accounts are not mines : XXXX, XXXX, and XXXX. I have attached documents that show I have a new license number and two reports that show where my information was exposed. Someone used my information to oprn these accounts.
Product: Credit card or prepaid card

My credit card was reported 30-59 days late in XX/XX/2017. When I discover this, I immediately payed off the late payment to getit back on track. I have never missed a payment on this card and I opened this card specifically to build my credit now, its hurting my credit. The weird thing about this is the reason why I never missed a payment is because I have auto-pay. I have auto-pay on all my cards so I don't miss a payment. I do not log on to make payments, I have over multiple credit cards with all different due dates, it would be impossible to manage any other way. I am not sure how this happened but this card was originally a secure card and was turn into a traditional card in the summer, I am not sure if this had anything to do with it, and I had to re-activate auto-pay but was not told about it. 

Regardless, I called the credit card hotline after I payed the late payment to resolve the issue and I went in circles with the customer service rep and this was never resolved.
Product: Debt collection

The original debtor XXXX has sold this account to various people. A lawyer is now contacting me saying they can sue me but the original debtor sold the bill and now interest is being added. Then another company called saying they have acquired this debt also, confused on who to pay and why if the bill was sold off why am I being charged interest. My debt has not be validated and the amount and interest keeps changing as well as being reported as such on my credit report. The lawyer did send me an agreement to sign after threatening to take me to court and get more money! I am at a loss and I would rather invoke my right to compel arbitration on this matter!
Product: Credit reporting, credit repair services, or other personal consumer reports

am writing this in regards to the financial hardship that I am experiencing due to my student loans reporting on my credit report. I am unable to buy a home, although I am not in default, and I have been granted loan forbearance until the year 2025. I am requesting that the loans reporting, to my credit report be removed from my credit report. I am in the process of disputing these loans using the borrowers defense claim. I am in review, until 2025, these loans being reported to my credit report, violates the fair credit reporting act, and I am asking that they be removed immediately, until my borrowers defense claim is complete and a decision is made.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus on XX/XX/2023, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. The following accounts must be corrected immediately : XXXX XXXX  XXXX Balance Owed : {$10000.00} ; XXXX XXXX XXXX Balance Owed : {$7400.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$23000.00}.