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

I am a victim of XXXX  The information listed below, which appears on my credit report, is the result of that XXXX 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the XXXX Complaint before Filing a Lawsuit against XXXX and Equifax! There is a fraudulent account on my XXXX and Equifax XXXX XXXX with XXXX XXXX, Account Number : XXXX, also known as XXXX XXXX XXXX XXXX XXXX Account Number : XXXX ( the way it is reported on my Equifax XXXX XXXX XXXX. Under 15 U.S. Code 1681s2, it states that, " transaction or experiences with the Consumer ( XXXX ) and the person ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the report is not included on my consumer report. XXXX, Equifax and XXXX XXXX XXXX XXXX XXXX XXXX XXXX of the law is no excuse. In conclusion, I have shown you and you have been put on notice that you are repeatedly reporting fraudulent information. The information is, in fact, fraudulent and inaccurate. The continued reporting of this fraudulent information is a clear violation of the Law 15 USC 1681 s-2 of your responsibilities as a furnisher of information. You have caused me and my family severe harm due to your negligence and inaccurate reporting. This is a final opportunity to Cure and DELETE This Erroneous, fraudulent/inaccurate account from my Consumer Report. Thanking you in advance for your cooperation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX - Account was closed and charged off, but there is a balance of {$7700.00}. Balance should be {$0.00}. Also, there are late payments reporting from XX/XX/XXXX-XX/XX/XXXX. How can late payments keep reporting to my credit report when they don't even own this account anymore? 

XXXX XXXX - Account was also closed and charged off, but there is a balance of {$5400.00}. There is a balance, past due amount and also late payments reporting to this account from XX/XX/XXXX! I have no made a payment to this account since XX/XX/XXXX. The creditor has re-aged this account Equifax repeatedly says this account is verified and accurate! ( XXXX  did delete this account ) XXXX  XXXX XXXX XXXX   - Account was closed and charged off, but there are late payments reporting. There is also a monthly payment amount of {$620.00} on a closed/charged off account with a balance of {$0.00}. This doesn't make sense but Equifax of course says again it is accurate and " verified. '' XXXX XXXX - Collection account has not been properly verified. This collection was deleted and re-inserted. Also is listing a past due amount and late payments. How can you have a past due amount and late payments on a collection account? 

XXXX XXXX XXXX - Collection account has not been properly verified. Also is listing a past due amount and late payments. How can you have a past due amount and late payments on a collection account? I have disputed this account several times as well, it has never been verified or properly notated with a notice of dispute! I have disputed the above accounts with Equifax on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, all sent certified mail but they have failed to do a proper investigation to delete this inaccurate information from my credit reports! 

I have requested documents to be sent to me proving the accounts are " accurate '' creditors, collection agency and credit bureaus have all failed to do so within the 30 day time frame! All they keep doing is " updating '' the said accounts with even more inaccurate information. Please delete this immediately!
Product: Credit card or prepaid card

I had a Bank of America cash rewards business credit card. The card had accrued around {$160.00} in cash rewards. The bank decided to close my credit card XXXX 2016 and has refused to pay me the {$160.00} in rewards earned. I have spoke with Bank of America customer service and wriiten to the BBB.
Product: Credit reporting or other personal consumer reports

It has come to my attention that XXXX XXXX XXXX XXXX are illegally reporting nonpublic private information on my consumer report. I have made them aware of this problem and also filed the appropriate FTC report in regard to the information being reported. This information is required by law to be blocked within 4 days of this notice or else a lawsuit will be filed
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing this bank for four years after I found out about the FRAUD and I keep getting the same OLD story. This company has told me to call them the company that I am disputing and discuss the problem with the company. I dont understand Why I cant get this company to delete this bank off of my report. I have successfully gotten the other credit reporting companies to remove this bank, after a thorough investigation was done.I AM NOT BEING TREATED FAIRLY IN THIS MATTER!!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, TransUnion, and XXXX continue to report inaccurate/false information to my credit report and causing me tremendous stress! They are not investigating as per FCRA guidelines!
Product: Mortgage

On XX/XX/XXXX of 2019 we signed loan documents in front of a Notary Signing Agent at a XXXX in XXXX XXXX. Those papers stated that our new Refinance Mortgage Payment was going to be {$2300.00} and that we were going to receive at closing {$1900.00}. I called and contacted XXXX XXXX the Processor at Cash Call Mortgage many times to ask him about when was the loan closing because it was taking so much time and he was finding many silly excuses to close the loan late, one time we wrote in one of his emails that every time I ask a question I hold my loan 1 day and the they were low in workers that was why he was taking forever to close my loan. It took about 2 weeks to close my loan after we signed the Loan Documents. Everything was legitimate in our end, paperwork, employment and credit but he was finding the minimal excuses to make the loan late. we were never told that the mortgage payment was going to increase and that we were going to receive less money at closing that we had agreed. We received {$1700.00} instead of {$1900.00} and they also charged some fees that were not disclosed on the signed documents. The fees were {$250.00} one was {$120.00} and it said QCD and the other was {$120.00} for Transfer Tax. The purpose for us to refinance was to lower our mortgage payment from XXXX of $ 2500ish and at the end Cash Call mortgage gave is the same payment. Their practices of doing Loans is not professional at all and they do wherever they please with their clients.
Product: Student loan

I was on the REPAY plan. 
On XX/XX/XXXX I submitted a consolidation request because I believed it would mean more of my XXXX payments would count. So far only XXXX have counted despite me working for non-profits since XXXX ( 8 years ). 
I also re-applied for an income-driven repayment plan- SAVE - ( see previous complaint against MOHELA ). 
The application, they said, never made it to them. 
I applied again. At this time, I was on an interest-accruing forbearance even though it was their administrative forbearance. 
I made a payment in XX/XX/XXXX by accident. I called them to request they put me back on a forbearance. The person transferred me to an an " advanced representative '' which led to over an hour on hold and a very rude representative on the other line who said MOHELA was putting everyone on a forbearance who qualified, and she didn't tell me if I did or not. 
Now I have over {$400.00} due because I'm suddenly past due. 
This company should not exist. It is an outrage.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing this account for a long time and I havent got any fair result on this. The account was reported inaccurately because this is paid as it is indicated yet it is still in collections. Please help me get rid of this.
Product: Checking or savings account

I requested that my Bank of America, XXXX XXXX, FL account be closed XX/XX/2022. The amount was {$3600.00}. The check information was verified by the bank. The check never arrived. I called back in XXXX and they put in a notification to track the former check and reissue a new one. XX/XX/2022 I received a letter stating the account money was addressed to and deposited to an unknown name. The check was not filled out addressed to me or sent to me as Bank of America claims it was.
Product: Checking or savings account

A Bank of America checking account was opened in my name. I never opened an account with this bank. I found out because a debit card was sent to my home address tied to the account. I have tried multiple times to call the bank to report a fraud and end up on hold for hours.
Product: Credit card or prepaid card

I paid extra monthly for my Bank of America credit cards to be covered under protection if my spouse was XXXX. For months, I was charged late fees due to them not giving me the benefits that I paid for.
Product: Credit reporting or other personal consumer reports

I've recently gone through my credit report and noticed inaccuracies and discrepancies in the listed accounts. 

XXXX : 1. The following personal information is incorrect Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX  WA XXXX Please remove this inaccurate information from my credit report. 
2. The following personal information is incorrect Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove this inaccurate information from my credit report. 
3. The following personal information is incorrect Previous Address : XXXX XXXX XXXX XXXX XXXX TX XXXX Please remove this inaccurate information from my credit report. 
4. The following personal information is incorrect Previous Address : XXXX XXXX XXXX XXXX XXXX TX XXXX Please remove this inaccurate information from my credit report. 
5. The following personal information is incorrect Previous Address : XXXX XXXX XXXX XXXX CA XXXX Please remove this inaccurate information from my credit report. 
6. The following personal information is incorrect Previous Address : XXXX XXXX XXXX XXXX CA XXXX Please remove this inaccurate information from my credit report. 
7. The status is incorrect for the following account Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove this inaccurate information from my credit report. 
8. The following personal information is incorrect Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Please remove this inaccurate information from my credit report. 


Experian : 1. The following personal information is incorrect Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  WA XXXX Please remove this inaccurate information from my credit report. 
2. The following personal information is incorrect Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove this inaccurate information from my credit report. 


XXXX : 1. The following personal information is incorrect Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  WA XXXX Please remove this inaccurate information from my credit report. 
2. The following personal information is incorrect Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove this inaccurate information from my credit report.
Product: Credit card

TD BANK / TARGET CARD HAS FALSELY CLAIMED MY BANK ACCOUNTS DO NOT HAVE ENOUGH FUNDING
Product: Debt collection

I received a mailing saying that I owed money and the debt had been sent to a debt collector. According to the letter, the original creditor was XXXXXXXX XXXX. I have never heard of or had any dealings with this bank. The two debt collection companies listed, Dynamic Recovery Solutions , LLC and XXXX XXXX XXXX XXXX  are flagged as being fraudulent on the internet. 

This is a fraudulent attempt to intimidate and extort money. 

I hope there is something the government can do to put a stop to this.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I mailed a letter opting out of said companies reporting personal information to third-party companies such as credit bureaus, and other non-affiliated companies. I am making this complaint because I have gotten no response/effort from the company to comply with my request. In accordance with the fair credit reporting act, This creditor has violated my rights under 15 USC 1681section 602 states I have the right to privacy 15 USC 1681section 604 A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. Account number XXXX XXXX # XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I get called on a daily bases, I dont always answer, i do have payment arraingement agree to XXXX a month for my private student loan debt, and my reloadable card has been charged, yet i continue to receive calls everyday, the calls started eveyday after i made my first payment back on XX/XX/2019, i get harress everytime i do answer, they keep asking for more and more money, they wont even let me politly off the phone, i have to get rude or hang up on them, they wont meet my budget monthly limit, they wont agree to stop calling me everyday, i can not work with this company on an acceptible agreement to solve this private student loan debt. The company name is Activate Financial. ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XX/XX/2021 I changed bank accounts and forgot to update both accounts causing me to have a late payment on ( XXXX XXXX, XXXXXX/XX/XXXXXX/XX/Lead ). since then and before then I haven't missed one payment I would like the late payment be removed on both accounts. 

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit card or prepaid card

this is a follow up to a previous complaint ( CFPB ref # XXXX ) sent on XX/XX/XXXX against US bank for failure to replace the 2 x {$500.00} compromised visa prepaid cards purchased from XXXX on XX/XX/XXXX. 

US bank responded saying they tried to contact me but couldnt reach me to request the information pertaining to the purchase and the gift card details. This case was then closed although they have not done anything to refund to replace the card to date.. 

I sent the requested information to US Bank on XX/XX/XXXX and have been following up several times for the replacement cards but they have no updates to provide other than a case has been opened. Its been already 1 month and still there is zero information on when my cards will be replaced. 

i really hope CFPB can help get my money back or the cards replaced. 

thanks!
Product: Credit reporting, credit repair services, or other personal consumer reports

I was looking over my credit report and I noticed that the account that I have disputed has incorrect information. It shows that the last time that XXXX XXXX XXXX updated and verified this account was XX/XX/XXXX and XX/XX/XXXX. This is an indiscrepancy regarding these different reporting dates across all three credit bureaus. Also how can this be validated as correct when no one has looked at in 5 years. So I started to do a little investigating on my rights as a consumer and I discovered that the statute of limitations on debt in Texas is four years. This section of the law, introduced in XXXX, states that a payment on the debt ( or any other activity ) does not restart the clock on the statute of limitations. I demand that this account belonging to XXXX XXXX XXXX  ( Account # XXXX ) be deleted for inaccurate reporting and misrepresentation of validating a debt from the Equifax XXXX XXXX and XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is a second request based on new evidence for you to remove inaccurate information from my credit report. 15 U.S.C. 1681e ( b ) provides : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. When examining statutory language, we generally give words their ordinary, contemporary, and common meaning. XXXX v. United States, XXXX XXXX XXXX, XXXX ( XXXX Cir. XXXX ) ( Citations omitted ). In accordance with its ordinary, contemporary, and common meaning, an investigation is a careful search ; detailed examination ; systemic inquiry. Websters New Universal Unabridged Dictionary, p. 966 ( 2d ed. 1983 ).
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the unauthorized inquiries listed on my credit report, which are fraudulent in nature. Despite my multiple correspondences with your bureau and the submission of the required FTC Identity Theft Report, these inquiries remain on my credit file. As a victim of identity theft, I have taken all necessary steps to address this issue, including contacting the institutions associated with these inquiries and providing comprehensive documentation to substantiate my claims. Despite these efforts, your bureau has yet to resolve this matter satisfactorily. It is essential to note that the fraudulent nature of these inquiries has been confirmed by the respective institutions, and they have assured me that these inquiries were erroneous and should be removed. Furthermore, other credit bureaus have already acted on the FTC report and removed these unauthorized inquiries from their records. Therefore, I am perplexed and concerned by your bureau 's continued reporting of these fraudulent inquiries. This ongoing issue not only undermines the accuracy of my credit report but also causes significant distress and potential financial harm to me. 

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

on XX/XX/XXXXI made a purchase from XXXX XXXX XXXX  believing that my purchase for 4 tickets was XXXX dollars. Only when I gave them my card number did it say they were XXXX apiece. {$1100.00} total. I immediately called Capital One and told them not to allow this to go through. Then they contacted the vendor and we had a 3 way conversation in which they refused to stop the charge. They hung up. The Capital one agent told me not to worry. They would get my money back. OnXX/XX/XXXX I was charged the full amount. {$1100.00}. I called Capital One about this and was told my account would be credited. OnXX/XX/XXXX I was credited with {$940.00}. ( {$250.00} short ). I called them again and they said I have to dispute it. I did. Then I was recharged the {$940.00} on XX/XX/XXXX. I again called about this and once again I was credited {$940.00} on XX/XX/XXXX. ( still {$250.00} short ). Then they said to dispute the full amount of which I have been doing. OnXX/XX/XXXX I was RE-Charged the full amount of {$1100.00}. This includes an extra {$250.00}! I have called and have talked to them and was told they could not do anything for me. I was in my rights to cancel this transaction. Now I am being charged an extra {$500.00} for tickets I never even received. Is this not fraud? Can I press theft charges against Capital One? Now when I log in to my account I can not dispute anything on this matter. The website wo n't allow it. This is just wrong. I have been a cardholder for more than 20 years and have never been treated like this before. Please help me get my money back. I am not a rich person who can just absorb a charge like this. My next step will be looking into pressing charges and complaints with the FTC for fraud if this is not resolved. I believe under the consumer protection act it was my legal right to cancel this transaction and there customer service rep. assured me they would get my money back. Please help with this.
Product: Bank account or service

I had an account with BB & T. when I open the account I specifically told them I did not want no over draft protection. when I could n't get no where with them between them charging me for calling them to check the status of my claim, I close the account but they never did. instead they kept charging. I just call them and they told me that charge me over {$600.00} fro an account that was supposed to be canceled.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is not a duplicate complaint. 
I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
Re : XXXX. The following account is not mine XXXX XXXX Account XXXX : XXXX Please remove this account from my credit report immediately! 
Please send the following information used to verify the validity of : The name of the original creditor The creditors address and telephone number The persons name they verified the dispute with The documentation used to verify the dispute In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality 15 USC 1681. Account name : XXXX XXXX XXXX ; 15 U.S.C. 1681 Section 602 A. States I have the right to privacy. 15U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 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 any consumer reporting agency if the person knowns or has reasonable causes to believe that the information is inaccurate. 
PLEASE NOTE, THAT I'M NOT USING ANY THIRD PARTY FOR THIS MATTER, I represent myself by myself.