23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I submitted a complaint on XX/XX/XXXX. I received a call from XXXX XXXX, phone number XXXX extension XXXX. I called XXXX  back 5 times before receiving a return call. When XXXX  called me back on XX/XX/XXXX in the late evening, he was very vague and could not tell me what my complaint was. He stated he would research my " concerns '' and provide me a response within 30 days. I have been through this rodeo with BOA before and in an effort to not have my time wasted AGAIN, I asked XXXX  to tell me what he was researching. He started telling me how he interpreted my concerns which was 100 % incorrect. I advised him then, in an effort to not waste time I'd like for him to hear my concerns since he clearly was not interpreting them correctly. XXXX refused and kept insisting I would receive a letter in 30 days. A letter in 30 days of research on " concerns '' that aren't really my concerns? Help me understand that? I am requesting that this phone call with XXXX  be listened to by management and they will clearly hear the incompetence and how i wound up back here. I then asked XXXX to provide me ALL notes on my account from XX/XX/XXXX forward, I asked XXXX to tell me if this was proprietary information, because IF IT IS, I can obtain the proper authority for the notes to be provided to me. XXXX stated he does not know and would research. this response doesnt make sense if he is a regulatory officer he should KNOW this information. I do this for a living myself, i can tell you what is proprietary and what is not.

At this point I am concerned who XXXX  really is and if he is competent to address my concerns in its entirety. I asked XXXX  was he a middle man just acknowledging my complaint or was he the actual person conducting the research. XXXX  confirmed he would be conducting the research. At this point I simply asked for XXXX XXXX  managers name, he refused. I explained why I was asking for this information ( based in his incompetence to provide any sort of clear answer on anything I asked ), he again continued to refuse. I asked for a manager to call me, no call.

I am concerned that a lot of time will be wasted here with someone that is incompetent to understand or even READ my concern correctly and address them. I do not want to receive a letter in 30 days that has nothing to do with or address my actual concerns.

I hung up the phone with XXXX  and called into BOA customer service, I spoke with XXXX. XXXX could not verify XXXX.
Product: Checking or savings account

I need to link my bank account to a website called XXXX XXXX  for my daughter 's XXXX. You have to link it via your online banking sign in information. It tells me PNC has it blocked. I called PNC and they said they can't do anything about it.
Product: Credit reporting or other personal consumer reports

I am writing to express my extreme dissatisfaction and to lodge a formal complaint against XXXX, EQUIFAX, and XXXX regarding multiple unauthorized hard inquiries on my credit file. I have not given consent, nor have I authorized any individual or entity to access my credit report. The entities responsible for these unauthorized pulls must be held accountable, and I expect a full explanation as to how my personal information was accessed without my explicit permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax  XXXX XXXX Equifax XXXX XXXX Equifax XXXX XXXX Equifax XXXX XXXX Equifax XXXX XXXX XXXX Equifax
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had four late payments on an account that was in fact paid on time and one of the inaccurate payments were during XXXX. I also noticed each credit bureaus ( Equifax, XXXX, and XXXX ) reported different inaccurate information regarding the same account. The consumer reporting agency need to report all information with complete accuracy. 
The CARES Act, passed in XX/XX/XXXX, included provisions aimed at protecting consumers ' credit scores during the pandemic. I have attached a copy of my report from XXXX on the following dates, XX/XX/XXXXXXXX XXXX XXXX XXXX I am requesting you investigate and provide verifiable proof with records showing that I had late payments. If this information can not be verified, I demand these payments be updated to Paid On Time immediately. Thank you for your understanding and prompt action.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX, Equifax and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : 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

On XXXX XXXX, 2017, I submitted a complaint via Khols/Capital One Card Services for a late payment that is reporting to my Credit Report as no more then 30 days late. I have submitted complaint and complaint and nothing has been handled.This is MY LAST & FINAL complaint before I go forward with finding a lawyer and sueing Capital One for not correcting what they know is incorrect. Like I have stated in previous complaints the representative I spoke to gave me the incorrect information of stating I would be ok to submit a payment after 2 months and they would not report it. That is not my issue nor am I at fault. Its really disgraceful to know Capital One will go to the highest of dishonesty to make me look like the bad guy in this situation. My credit is suffering because of this & this has put my home buying to a halt all because Capital One will not correct their wrong. Although this is my LAST COMPLAINT, I will not give up on getting the late payment in XXXX XXXX 2017 removed because I am not at fault. Capital One also keeps sending me a copy of XXXX 2017 bill that is not sufficient evidence to say my late payment is my fault. I do not need another copy of XXXX 2017 statement as I have it & demand them to supply supporting evidence other then a copy of the XXXX 2017 statement showing a late payment.
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. 

XXXXDEPT OF ED Account # XXXX, has violated my rights. 
XXXXDEPT OF ED Account # XXXX, has violated my rights. 
XXXXDEPT OF ED Account # XXXX, has violated my rights. 
XXXXDEPT OF ED Account # XXXX, has violated my rights. 
XXXX/DEPT OF ED Account # XXXX, has violated my rights. 
XXXXDEPT OF ED Account # XXXX, has violated my rights. 
XXXX/DEPT OF ED Account # XXXX, has violated my rights. 
XXXXDEPT OF ED Account # XXXX, has violated my rights. 
XXXXDEPT OF ED Account # XXXX, has violated my rights. 
XXXX/DEPT OF ED Account # XXXX, has violated my rights. 
XXXXDEPT OF ED Account # XXXX, has violated my rights. 
XXXX/DEPT OF ED Account # 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.

These accounts are inaccurate in their reporting. I have brought these inaccuracies to the attention of the credit bureau mentioned. There are multiple errors throughout my credit report from all three credit bureaus and it is my right to have these accounts reported accurately under the fair credit reporting laws. As a resolution I want these accounts UPDATED : Paid as agreed on time, I was never late back in XXXX this is inaccurate. Please update to 100 % on time on my credit report immediately. 

Consumer financial protection bureau po box 27170 Washington DC 200038
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several disputes letters asking this credit bureau to provided me a copy of any original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA.

I have only received letters stating that the account have been " Verified '' I have also asked for a description of the verification methods and the names and phone numbers of the persons who supposedly verified the account. I have never received such information.

These are the accounts that I'm disputing and for which the credit bureau have not provided a satisfactory resolution per the FCRA. 

*XXXX XXXX XXXX XXXX XXXX Acc # XXXX *XXXX  XXXX XXXX XXXX Acc # XXXX *XXXX XXXX   XXXX , XXXX Acc # XXXX  *XXXX XXXX XXXX Acc # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a collection account that's been reported on my most recent credit report that I have recently disputed the validity of. Upon challenging this, Transunion XXXX XXXX MUST permanently delete the account on the basis that the bureau was unable to effectively confirm all the reported information is accurate. Due to the fact that I challenged this account with the credit bureaus, I noticed that you have now verified this same account. It has been more than 30 days that the bureaus have not RESOLVE or RESPONDED to my letter sent on the XX/XX/XXXX of 2022 I was led to believe that all credit bureaus receive the same information from the creditor under the Fair Credit Reporting Act ( FCRA ) ; if that is the case, I would like the creditors and the credit bureaus to provide copies of all the documentation you used to verify this account. In the event that such documentation is not produced, please DELETE this account from my credit report as soon as possible.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX Nature of Complaint : I submitted a dispute to Equifax disputing a late payment reported by XXXX XXXX XXXXXXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Made On Time : I made the payment on time as per my records. Please see the enclosed bank statement, which clearly shows that the payment was processed well before the due date.

Clerical Error : There may be a clerical error in the reporting process. The payment was not accurately recorded or credited to my account in a timely manner, leading to this erroneous late payment report.

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report.

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency 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 item from the 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 reseller. 

Account Name :XX/XX/XXXX Account Number : XXXX INQUIRIES : XXXX XXXX XXXX XX/XX/year> :
Product: Credit card or prepaid card

Eve ry month since I obtained this PNC Bank Visa card I have paid the monthly balance from my PNC Bank checking account bill payer feature. Every month I log into my account, insert the credit card balance amount, the payment date, and submit the electronic pay ment. I timely submitted the credit card payment to be electronically tr ansferred on   XXXX   XXXX   XXXX  . However, on this occasion PNC Bank sent me a check ( see attached ) that is payable to " PNC Visa Card. '' When I received the check in the mail I called PNC B ank and arranged at the suggestion of a customer service person,  XXXX   XXXX , to transfer th e Visa c ard balan ce due to Visa ( a n alternative payment method which I had previously not known was available ) ; and I asked  XXXX  to reverse the late fee and interest related to this screw-up. She said, on   XX/XX/XXXX ,   she could not do that but would escalate my waiver requests. A  day or two later  I was called by a person,  XXXX , responding to the " escalation '' request and she agreed to reverse the {$25.00} late fee and said no interest has been charged. I followed up on   XX/XX/XXXX  , after ch ecking my online PNC V  isa  statement, by again calling customer service and spoke with  XXXX  who said she would again escalate my fee and interest waiver requests as she was unable to connect me to  XXXX  ; and  XXXX  informed me, as  XXXX  had done when she first escalated the requests, that I will be contacted within  48 h ours. But I 've  not been contacted with respect to this matter. So, the late fee and interest charge remains on my account, I want it refunded since the Visa payment was late due to PNC Bank 's issuance of a check to me rather than having electronically transferred the payment to PNC Visa.
Product: Debt collection

I had an outstanding bill with XXXX. The bill was directly paid through XXXX. IC Systems reported a collection account on my credit attempting to collect the same debt through XXXX. When I spoke to a supervisor at IC Systems, I requested that the collection be removed from my credit because I did NOT pay IC Systems. Rather than IC Systems removing the collection account they sent me a receipt stating that I paid a balance in full of {$1200.00} to them. Which is false. I never agreed to paying IC Systems, i never paid IC Systems. The payment was with XXXX and ONLY XXXX. This has negatively impacted my credit by lowering it more than 30 points, which has also risked my purchase of a new home!!
Product: Debt collection

I requested copies of my reports and this company NCB MANAGEMENT SERVICES has been reporting as collections. I do not have a debt with this company, I have never contracted with this company, nor has this debt been validated. I have filed an identity theft report which is attached. NCB MANAGEMENT SERVICES has no permissible purpose and is causing damages to me and my family as I am not able to get a credit extension due to the negative information the y are reporting.
Product: Student loan

BANK OF AMERICA REFUSES TO ANSWER MY QUESTION CAN I GET BOA TO LEND ME {$30000.00}. FOR PRIVATE LAW SCHOOL TUITION? LAW SCHOOL IS {$50000.00} BUT US GOVT ONLY LENDS {$20000.00}. CAN BOA LEND ME {$30000.00} FOR XXXX SCHOOL?
Product: Credit reporting or other personal consumer reports

The balance on my DCU  account is showing at {$86000.00}, but the correct balance on my credit report should be showing as {$79000.00}. This balance needs to be updated to reflect the current balance on the account.
Product: Credit reporting

Equifax is continually violating my rights under the Fair Credit Reporting Act. They are not taking complaints filed against them with the Consumer Financial Protection Bureau seriously. I am now asking that the Consumer Financial Protection Bureau gets involved in this situation. I have filed this dispute on several occasions and Equifax just keeps updating my credit report with the same information. They did this again on XX/XX/XXXX. These items were no longer showing that a re-investigation was in progress when I went to their website this morning. They also added back a collection that was recently deleted. I just went to the website and re-disputed the following items : XXXX ( Balance {$150.00} ) XXXX ( Balance {$160.00} ) XXXX ( Balance {$160.00} ) They recently added the following collection back to my credit report after deletion : XXXX ( Balance {$24.00} ) I ask that the Consumer Financial Protection Bureau gets involved in this immediately, as I have been dealing with this issue with Equifax since XX/XX/XXXX. I have provided information by certified mail ( return receipt ) and online that shows that I have been in Chapter XXXX bankruptcy since XX/XX/XXXX and all accounts that I had were included in that bankruptcy. This is preventing me from getting a XXXX formed that is needed immediately.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding against them for similar violations. I request that the CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I have 3 mortgages with Rushmore Loan Management Services. On all three I pay the escrows. On all three they have not paid the escrows. These mortgages were acquired XXXX, XXXX and XXXX of XXXX and XXXX and now I'm getting notices for non payment from my insurance companies and the taxing authorities. 

Account number XXXX is for XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXXXXXX I also have loans on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, NH XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 I have attached my most recent credit report in the mail on XX/XX/2022. It shows my Equifax credit score of XXXX but the Equifax website shows my credit score at XXXX ( screenshot ). The fair credit reporting act states that a consumer credit report must be accurate. I have been denied credit due to this inaccurate scoring.
Product: Credit reporting or other personal consumer reports

Subject : Immediate Request for Opt-Out and Deletion of Credit Report XXXX  XXXX XXXXXXXX XXXX ACCOUT ENDING XXXX I am contacting you to file a formal complaint and to assert my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), regarding unauthorized use and disclosure of my financial data. In accordance with 15 U.S.C. 6802, 15 U.S.C. 6805, the Privacy Act of 1974, and associated regulations, I am hereby revoking any permissions, whether explicitly or implicitly granted, for reporting my data. 
My credit score has been detrimentally affected by such information that qualifies as non-public personal information under 16 CFR 313, enacted under the authority of 15 U.S.C. 6801. Furthermore, sections 313.7 and 313.7 ( f ) of the same code explicitly state my right as a consumer to opt-out of data reporting at any time, a right which I am exercising and formally requesting enforcement through this letter. 
Here are the specific legislative and regulatory grounds for my request : XXXX. XXXX15 U.S.C. 6802XXXX  - Mandates explicit consent for financial information disclosure, including a clear option to opt-out. 
XXXX. XXXX16 CFR 313 ( Privacy of Consumer Financial Information ) XXXX - Ensures my right to privacy and to block unauthorized personal information disclosure. 
XXXX. XXXX15 U.S.C. 1681XXXX - Protects the accuracy, fairness, and privacy of information within consumer reporting agency files. 
Based on these legal provisions, I demand the prompt removal of all details pertaining to my credit accounts from your records and reports. Non-compliance will force me to pursue further legal actions to safeguard my rights. 
Please send me written confirmation that my data has been erased from your records and an updated copy of my credit report. For any further details required to facilitate this process, you can reach me directly at XXXX. 
I appreciate your immediate attention to this critical matter and anticipate prompt confirmation that my rights, as legally established, are being upheld.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a request of investigation on my credit report via United States Postal Service on XXXX20 to XXXX, Equifax and XXXX. I have not received a response from neither company.
Product: Credit card or prepaid card

This is a follow up to Complain # XXXX, regarding a fraudulent application submitted to Chase Bank via Amazon.com, under my social security number. Chase has ran a new credit report on me, as of X/XX/2017.  Despite the fact that I have a fraud alert on my social security number, I was not contacted by Chase. When I called to discuss this with Chase, they informed me that they only call the customer in the event that the account is approved. They also would not tell me why the account was declined. Also, all of the credit inquiries from the previously submitted fraudulent applications are still on my credit report. Chase has done nothing to resolve these issues, as it continues to happen at least every 30 days.