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

Summary : -No initial notice of delinquency was received as required by FCRA 623 7 ( A ) ( Notice to Consumer Required ) ; most certainly nothing was sent that was clear or conspicuous per FCRA 623 7.  Creditor has not been able to provide any verification to support that it was sent. 

- Dispute was not resolved within 30 days ; there were no extenuating circumstances that would allow for 15 day extension. 

- When XXXX was asked they were unable to provide a description of the procedure used to determine the accuracy and completeness of the information as required under FCRA 611. 

- Creditor has not been able to to provide verification after reinvestigation as required by FCRA 623. 


Detail : I requested a dispute through XXXX ( dispute report XXXX ) on XX/XX/2020 against a company called Contract Callers that's on my credit report showing collections against me. I supplied XXXX with the information that this was incorrect. 

On XX/XX/2020 I received a message saying my dispute is complete ( 35 days after dispute was started. When logged in it says the dispute report was generated XX/XX/XXXX, 33 days after dispute pics below ). 

I reviewed the dispute and called XX/XX/XXXX dispute support on XX/XX/2020. XX/XX/XXXX told me to contact the collections agency which had already been done but they did not provide relief as required under FCRA. During the course of the call I was told the information was correct but when I asked the XX/XX/XXXX representative about the procedure used to verify correctness they said they don't have any verification from the company that the collections action was accurate for the paid account or that the original creditor had provided any notification of delinquency as required under the FCRA. 

I was able to verify with them that no prior notice was given as required under the FCRA of a clear and conspicuous notice. As soon as a collections action against me was noticed I reached out to pay the account and clear the item up. The collections agency was very clear that if I made an immediate payment in full to them they would be able to remove this from my credit report. Years later it still remains on the account. 

Today, XX/XX/XXXX, I sat on hold for over an hour and fifteen minutes with XX/XX/XXXX only to have them conveniently hang up while still on hold. Neither XX/XX/XXXX or Contract Callers have responded or acted in accordance with the FCRA. I have told both parties that their actions, or lack of action, is against FCRA they respond as if nothing will happen by reporting it to the CFPB. 

Please help.
Product: Credit card or prepaid card

Prior to the Co-Vid 19 situation, I booked 4 plane itineraries on two separate airlines totaling {$2500.00}. All 4 itineraries were cancelled by the airlines. I requested refunds and waited 30 days, but did not receive any form of contact from the airlines and my money was not returned. 

Therefore, I filed three separate disputes with US Bank ( 2 for XXXX tickets, 1 for both XXXX itineraries ) and US Bank credited the amount to my account. However, this week all {$2500.00} was re-charged to my account, and I was charged interest on the amount with no explanation, and no contact from the bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

This loan company reports charge off of $ XXXX on a $ XXXX loan. Car was given back in XXXX. When I called loan company in XX/XX/2023 I was told car was sold.Was never told amount it sold for.Credit report says my balance is {$14000.00}. If car was sold how is my balance still the same as when the car was given back to them. I need them to report correct amount owed on all 3 credit reports. They also need to have repossession removed on credit report as I gave car back to them.
Product: Credit reporting or other personal consumer reports

I had an issue with fifth third bank. I am currently trying to get a home equity alone and because theyre trying to claim that I was behind on my mortgage for two months filing it late. My credit has been knocked down, but its been over a year and it was paid. They had my money sitting in on applied at the bank and I had to call to three different times to have this corrected and received an apology letter and they sent me money back several times And they are not fixing my credit report. I spoke with claims they were correct when they are not there was money that they said they sent me. They never sent me so they had to apply all of that money to my mortgage and then told me never to send more money than my mortgage actually is, because it will get misplaced
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 

XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$92000.00} and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$98000.00}. 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, CFPB : XXXX XXXX is falsely alleging debt of {$530.00}, when XXXX 's account closed with {$0.00} ( XXXX ) balance. XXXX 's is in violation of fair debt collection practices act 15 U.S.C. 1692. XXXX has removed the inaccurate information, as, XXXX XXXX has allowed FRAUD to take place and delusionally believe I should pay for their failures. I ATTEST, AFFIRM, AND CERTIFY THE INFORMATION IS VERY ACCURATE AND VERY TRUTHFUL.

Respectfully, XXXX XXXX XXXX XXXXXXXX PHONE : XXXXXXXX EMAIL : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In previous months, I requested to update the inaccurate information which another credit reporting agency found to be inaccurate. Due to your lack of response, or responses that I classify as frivolous, you have dishonored FCRA regulations and my request for verification. If you wish to correct this dishonor, I will give you one more chance to correct your errors and update my records. Please update the account, which you have failed to provide proper verification and another bureau has found to be inaccurate. You have 30 days to UPDATE the account listed below : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$2400.00}
Product: Credit card

I received a notification that a hard inquiry showed up on my credit report. I contacted Barclays bank Delaware to ask them about this. I have no knowledge and did not authorize anybody to apply for anything with my Social Security number and personal information. I called to speak to Barclays Bank Delaware on XX/XX/year> at about XXXX on a recorded line. I would like this removed off of my report being that I did not authorize or apply for any type of financial product. The company told me they had an application on file under my name and social security number but with a different address and phone number. The company confirmed it would report the application as fraudulent and deny it. They also said this should remove the hard inquiry from my credit account.
Product: Debt collection

I have been trying for months to clear out a medical debt that was sent to collections, with a service date of XXXX/XXXX/XXXX. I did n't know about it until XXXX when I could n't get credit and reviewed my credit report. The issue is that I was covered by Medicaid from XXXX/XXXX/XXXX through XXXX/XXXX/XXXX, which I confirmed with XXXX XXXX, Director of the Office XXXX in the Department XXXX in XXXX XXXX. Her phone number is XXXX. Every other bill from that hospitalization was covered, so I 'm not sure how that fell through the cracks. My attempts to clear that debt have been unsuccessful because the collection agency claims that the debt is valid -- which is true, but it should have been covered by insurance.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  and the credit bureaus are all committing fraud. They are reporting late payments for a car that they claim they have in their possession. XXXX XXXX and the credit bureaus are also claiming a repossession on my credit profile and are also reporting inaccurate late payments trying to portray to anyone viewing my credit that I have a car in my possession that I DO NOT have in my possession and this issue is causing me not to be able to obtain credit. Pursuant to GAAP ( generally accepted accounting principles ) XXXX have to prove the money left their account if they gave me a loan like they claim they did. Why wouldnt they be able to do that? Because they didnt loan me anything!!!! XXXX would also be committing fraud if I gave them credit and they got a loan in my name ( fraud ) all support document of these claims will be attached. When an organization gets a loan in your name then creates and furnishes a deceptive form to make you think that you got a loan its fraud. In reality the consumer on only come for credit. In all actuality the promissory note was for XXXX because they got the loan according to 12 usc1431 Also the credit bureaus took XXXX XXXX off my reports then added it back without notifying me within 5 business days. According to FCRA ( a ) section 5 ( b ) ii they have to notify me within 5 days. 

Also they should take court case : Court Case : Eaglehart vs Gravens 281sw715.819.1 inti consideration It is inaccurate for XXXX and the 3 credit bureaus ( XXXX XXXX , XXXX  , and Experian ) to keep reporting on my credit report if they claim in the comments that they sold the dept to another lender screenshot proof will be attached Not one law says anything has to be reported so this is proof that XXXX and the credit bureaus are voluntarily breaking the law by reporting inaccurately on my credit profile They also took it upon themselves to reage the account after reinserting it without me knowing
Product: Money transfers

On XXXX, I was in contact with a manufacturer for some items out of XXXX XXXX, and we agreed on XXXX payments ( XXXX for {$150.00} transaction ID XXXX and XXXX for {$120.00} transaction ID XXXX ). The items have not been made, they have not been shipped, the manufacturer wo n't send pictures of the items because they items do not exist, and all I get is excuses. I had originally been quoted 30-45 days from date of first payment. As of XXXX, I was told the items were turned back at customs. I reached out to PayPal for a dispute, but since I was assured on day 15 of the 20-day window for the dispute the items would be done, the dispute was closed. XXXX, I reached out to PayPal and they told me they wo n't open a claim because I did n't follow up in the 20-day timeframe, and my bank only allows disputes after 60 days of initial transaction.
Product: Credit reporting or other personal consumer reports

Subject : Request for Blocking and Deletion of Accounts Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ) I am writing to notify you that I am a victim of a data breach. As a result, unauthorized accounts have been added to my credit report. I am requesting that these accounts be blocked and deleted in accordance with 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ).

Below are the details of the accounts that require action : Accounts to be Blocked and Deleted : XXXX. XXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$25000.00} XXXX. XXXX XXXX  Account Number : XXXX Date : XX/XX/XXXXXXXX  Amount : {$1500.00}
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX Balance {$12000.00}
Product: Debt collection

I received a call from a company claiming to be called XXXX XXXX from phone number XXXX. The call came in around XXXX. They called my spouse then my cell phone. When I answered they immediately asked how I was related to my spouse. I said who is this? He said he was with a company investigating a case of fraud and theft. I said from who? He said the state of Oregon. They said it was for theft of goods and services. I said who do you represent and then he finally said a payday loan company Ace Cash Express. I said oh ok well I need to let you know that I am in OR and you are calling way too early. He said he was not bound by any collection laws such as FDCPA. I told him I need to advise you I have an attorney that is hired to file bankruptcy and you need to contact him as Ace is named in our bankruptcy. He said it isn't filed yet. I told him that is all I have to tell you please contact my atty. He said well I am going to come to your house and you will be served any licenses you have will be terminated. So I hung up. He immediately called back with a blocked number and said they were on the way to our house and the he contacted the atty and he will not back me with this. I hung up again.
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. 

Account name : XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX  # XXXX, Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : 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: Debt collection

In 2004 I purchased a rental property located at XXXX XXXX XXXX, XXXX, XXXX  XXXX. Soon thereafter I had tenants living in the property and a check from Wells Fargo in my name was sent to this address. The " check '' was some type of instant loan that I had never requested. The tenants found a way to cash said check and then the debt obviously went bad as I did not even know about it. Since that time I have been XXXX  and XXXX  for collection of this debt even though Wells Fargo has been in receipt of proof that this debt is not mine for XXXX  years. Most recently, the deceptive practices of XXXX have brought this back to the surface. No one, over XXXX  years has been able to provide me with proof this debt was mine, in fact the last go around Wells Fargo provided a different debt company with what I sent to prove the debt was not mine.
Product: Credit reporting or other personal consumer reports

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX reporting misleading information. There is no third party involved. Please review the uploaded letters. 

Late Closed : 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: Student loan

XXXX  deferment ended up costing alot more to repay the total amount
Product: Debt collection

Spam phone calls from across the Nation, using different area codes. Non stop through out the day.
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 Never had an account with this company show me original contract with wet signature on it along with their name attached XXXX XXXX XXXX Never had an account with this company show me original contract with wet signature on it along with their name attached XXXX XXXX XXXX XXXX XXXX Never had an account with this company show me original contract with wet signature on it along with their name attached XXXX XXXX XXXX XXXX Never had an account with this company show me original contract with wet signature on it along with their name attached XXXX XXXX XXXX XXXX Never had an account with this company show me original contract with wet signature on it along with their name attached XXXX XXXX XXXX XXXXXXXX Never had an account with this company show me original contract with wet signature on it along with their name attached XXXX XXXX XXXX XXXX XXXX Never had an account with this company show me original contract with wet signature on it along with their name attached XXXX XXXX XXXX XXXX XXXX Never had an account with this company show me original contract with wet signature on it along with their name attached XXXX XXXX XXXX XXXX Not mine inaccurate information XXXXXXXX XXXX XXXX XXXX Not mine inaccurate information XXXXXXXX XXXX XXXX Not mine inaccurate information XXXX XXXX XXXX XXXXXXXX XXXX Not mine inaccurate information XXXXXXXX XXXX XXXX XXXX XXXX Inaccurate Information XXXX XXXX XXXX XXXX Never had an account with this company show me original contract with wet signature on it along with their name attached 15 U.S.C 1681 section 6028 that states I have the right to privacy. 15 U.S.C 1681 section 604 a section 2 ; it also states, consumer reporting agency can not furnish an account without any written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States no consumer reporting agency, might make any consumer reporting containing any of the following items of information of any other adverse item of information, who it that records or convention of crimes, which attendates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A a person shall not furnish any information relating to a consumer to any consumer agency. If the person knows or has reasonable cost to play, that information is inaccurate.
Product: Credit reporting or other personal consumer reports

I discovered unauthorized inquiries on my credit report, which I just obtained in copy form. My chances of obtaining new credit have been harmed by this. I request that you take the following inquiries down right away. 
XXXX XXXX
Product: Credit card or prepaid card

Today, XX/XX/XXXX at XXXX, I called Navy Federal Credit Union at XXXX & spoke with XXXX   to open a credit card charge dispute on my account for the following amount, {$8000.00} on XX/XX/XXXX. I spoke with XXXX and explained the fraud from XXXX XXXX DBA XXXX XXXX XXXX that took place on XX/XX/XXXX. Now, XXXX stated that she will open a credit card dispute but they generally except disputes within 60 days of the transaction date. Now, XXXX XXXX failed to disclose accurately about there company. XXXX XXXX told us verbally that members can get vacation packages trip 2 years in advance over any other resorts & that there membership is cheaper than XXXX XXXX. XXXX XXXX  notified us about yearly membership fees along with amount but failed to inform us verbally that they go up every year. The resort promised 2 free trips for attending, that we must use within 1 year which we later found out we cant use because the resort sell out 2 years in advance for Hawaii trips. These resorts mislead consumers like my spouse and I to join their resort. If we had known the truth, we would have NEVER became members. Now, we discovered the truth when we contacted XXXX XXXX on XX/XX/XXXX at XXXX, when we requested a trip to Hawaii for XX/XX/XXXX, for 10 people and were told that they sell out for there Hawaii trips 2 years in advance which means that these resort companies failed to disclose this information prior to signing the contract. Now, we never knew there was fraud until XX/XX/XXXX. We were not able to dispute this transaction until now because we contacted XXXX XXXX to resolve this issue but they failed to do anything about this matter. Then we filed complaints against the resorts with the XXXX along with the State of Nevada. As of today, we have not heard anything from the XXXX  or the State of Nevada! Again, XXXX said we generally have 60 days from the time of the transaction to file a dispute. In most cases, people know about the fraud with in that time. Since we didn't know about the fraud until XX/XX/XXXX, our 60 days should start at this time which means we should have until XX/XX/XXXX to file this card dispute which we want to do! We should be allowed to have all of our funds be returned to us in full since these resorts failed to disclose everything to everyone prior to signing the contract which does violate state law ( s ) NRS 119A.710 deceptive or unfair acts, NRS 119A.410 misrepresentation, and possibly NRS 205.330 for fraud. We request to be allowed to file the dispute for these charges and get all of our funds returned immediately due to the fraud that these resorts created.
Product: Checking or savings account

XXXX XXXX XXXX XXXX. XXXX Complaint against Bank of America On XXXX XX/XX/2021, I deposited XXXX. by cashier 's check drawn on XXXX Bank to my Bank of America checking account. I have been a customer of Bank of America for over XXXX years and never bounced a check or missed a payment. 
Bank of America will not allow me to access my funds until XXXX XX/XX/2021. XXXX days after deposit. This time period is excessive in light of the facts and the banking regulations. It is common knowledge that these funds should have been made available in two days. 
I have lost business and investment opportunities as a result of Bank of America 's failure to clear my funds.