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

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15
U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. ''
Product: Credit card

I called Bank of America customer service to close my account due to fraudulent activity. I provided them with my personal information including my social security number and they refused saying I had to go to a bank of America branch which about XXXX miles from my home in Alabama. I made four attempts to resolve the issue but got nowhere. In my XXXX years I never dealt with such foolishness. I shredded the card and I can't remember my password. It's a simple request and they are pushing me the brink of insanity.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact there for exists
Product: Credit reporting, credit repair services, or other personal consumer reports

There are XXXX ( XXXX ) inquiries appearing on my XXXX Credit report from XX/XX/2021 that I did not authorize. I have contacted and disputed these with XXXX and they refuse to remove and also refuse to provide information on how they verified these accounts or provided me with a document with my original signature authorizing these inquiries.
Product: Debt collection

I am not liable for this debt with XXXX XXXX XXXX and I do not have a contract with XXXX XXXX XXXX  plus they did not provide me with the original application like I asked. 

Account No : XXXX Amount Disputed : {$100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed this fraudulent information with the credit bureaus and both XXXX and XXXX removed the accounts in question but Equifax did not.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a lot of issues with my credit report, there are late payments and negative accounts that are not mine and inquiries that I did not authorize and accounts that are not mine. 
I am including a letter to explain about these items.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt in fact therefore exist 15 U.S. Code 1681i - Procedure in case of disputed accuracy Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Product: Credit reporting or other personal consumer reports

I submitted a complaint just a moment ago on a different matter against the credit bureaus, but I would like to submit a second complaint as I forgot to add this information on my previous complaint. 

I filed bankruptcy on XX/XX/2019. The bankruptcy is a legitimate public record and my debt at the time was discharged through bankruptcy. I am not fighting that I have a bankruptcy on my report. What I am disputing is charge-offs I have prior to me filing bankruptcy still showing as active charge-offs. When I submitted my disputes to the credit bureaus back in XXXX, I also asked the bureaus to correct my account information so the accounts which should be included in bankruptcy are reporting as included in bankruptcy. To this day, some of the accounts still do not show included in bankruptcy such as XXXX XXXX on Trans Union. 

I would also like to complain against XXXX as they are not allowing me to view my credit report. I know my user name and password to their online website, but it does not let me view my current report. I then try the option to remember the username and password, and XXXX gives it to me, but then when I input what they just provided me, it pretends like I don't have an account with the information they just provided me with. How am I supposed to verify that my credit report is accurate if XXXX themselves won't let me view my report with the account I established through them?
Product: Money transfers

I was the seller whom a Paypal dispute case was opened against by a buyer. Paypal 's contract states if/when the dispute is decided against the seller and the seller 's account is negative to transfer monies into the Paypal account to make it even. Before a resolution was ever reached Paypal tacked on an extra unauthorized {$230.00} to a separate credit card purchase transaction by me. When I called Paypal and asked why I was told, " the computer does it automatically and I see your concern of how that goes against our policy. '' Basically they admitted the wrong ; however, would not return the monies to my credit card. Said monies were not returned until I filed a complaint with XXXX XXXX of the fraudulent charge.
Product: Checking or savings account

I signed up for an account in XXXX with bbva. When I opened the account I called to make sure the bonus would be sent and agent verified I would have it by the end of XXXX .I have called several times to inqore why I havent seen the promised sign up bonus. All requirements have been met. Secured emails have gone unanswered and no bonus has posted
Product: Credit reporting

I had a case opened with Transunion here is the case number : XXXX which was resolved. I received a copy of my credit report and I verified that the XXXX account balance were updated to XXXX. I just pulled my credit report and the balance reflected right now is not XXXX, it has gone back to the old balance again. This is the original complaint " I had XXXX credit card accounts with XXXX XXXX for which the debt was forgiven and I was issued XXXX forms. Cancellation of debt. I then, when ahead and reported both accounts on my personal income taxes for XXXX and XXXX, and paid accordingly to the IRS. The account has been written off and taxes have been paid on the amount forgiven, XXXX XXXX has been given the tax write off but they are still reporting a full balance for both account on my credit report. It should be reported a XXXX balance as the debt has been cancelled/forgiven, the have already taken the tax write off from the IRS and now they still want me to pay in order to report a XXXX balance to the credit bureaus. This would be double dipping for XXXX bank, getting the tax write off and then still collecting the cancelled amount on both accounts. Partial account numbers are : XXXX and XXXX, full account numbers are reflected in the attachment. '' XXXX
Product: Debt collection

This following matter is in regards to the company of Selip & Stylianou , LLP. 

I have called Mr.XXXX XXXX at ext. XXXX on XX/XX/2019. He was very pleasant and courteous. My bank account has been completely frozen and I have been charged a fee of {$100.00}. As I have told Mr. XXXX I am unable to pay the balance of {$3700.00}. I do not have sufficient funds in my account. According to The Exempt Income Protection Act of 2009 the first {$1700.00} of my account can not be frozen. As such they are illegally trying to extract money from me as well as illegally   freezing my account. I have posted a message on their website ( they do not have an e-mail address ) with the above information. I am ready to take legal action if my account is not freed and the fee of {$100.00} is not credited to my account. If my account is freed and I am reimbursed the {$100.00} charged to me I will not seek legal action. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I spoke with personnel from XXXX, Equifax, and XXXX about the possibility that fraudulent accounts may have been recorded on my consumer file. Since I didn't know how the accounts got there or anything about them, I urged them to erase them. I was given the go-ahead by all three companies to file the necessary documentation and finish the FTC report XXXX I sent my letters by certified mail on XX/XX/XXXX. Despite the fact that the accounts are not mine and had been on my report for more than 30 days after I sent my letters, they were somehow " verified. '' Since it hinders my family and I from making purchases, this issue has me perplexed and annoyed. I contacted all three businesses once more on XX/XX/XXXX and inquired as to how they could confirm that these accounts belonged to me. They merely told me to get in touch with the creditors directly and said they couldn't help any further. When I tried to contact each creditor who had been falsely claiming on the consumer file that they were unaware of me or the accounts, it didn't surprise me. I had exhausted all of my alternatives, so I turned to the CFPB website, which some of my friends had suggested I check out in my predicament. Since my family and I are attempting to submit an application for a house, I genuinely hope that this is useful.
Product: Credit card

I have a credit card with Kohls ( the clothing store ). I have had auto pay for years. They cancelled my auto pay without notifying me. I checked my credit and noticed I had a late payment for kohls. I called the kohls credit center and they told me that they have the right to cancel auto pay without informing me. Thus they did not inform me. I was reported as 30 days late and it dropped my credit score significantly.
Product: Credit reporting, credit repair services, or other personal consumer reports

A complaint was filed against this company with the FTC and CFPB in XX/XX/XXXX in regards to a XXXX XXXX   account. The work done that was charged to my store credit account was not acceptable. I subsequently refused to pay, and the account was charged off. I was in contact with a member of the Executive Team who was assigned to handle my complaints. She stated a portion of the bill would be removed and the other portion I would be responsible for. I told her I did not accept this agreement, as the work done on the vehicle was not acceptable by any reasonable standards and I didn't feel it was right I had to pay. In XX/XX/XXXX, XXXX XXXX reported the account as charged off a second time on my credit report, in response to the complaint I had filed and my refusal to pay. This second charge off added additional time to the amount that this account would show derrogatory. In XX/XX/XXXX, a dispute was filed with Experian in regards to the additional charge off. Experian " verified '' this change and yet another charge off was reported on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of my numerous complaints that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. These accounts are unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me.

Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX
Product: Credit card

Initial Application : XX/XX/year> - Submitted online individual application for a XXXX XXXX XXXX XXXX XXXX XXXX XXXX credit card from Bank of America on XX/XX/year> ( Application ID XXXX  ). Link : XXXX XXXX XXXXXXXX - The application was rejected. On the phone I was advised the reason for the rejection was that I had reached an ( unpublished ) maximum total credit from the bank across XXXX other pre-existing credit cards a total credit amount of approx USD {$100000.00}. 
- I indicated my willingness to move some credit from XXXX or more of the pre-existing cards to the new pending card account - On XX/XX/year>, this updated request was also rejected. I was informed the reason for the rejection this time is that the other XXXX accounts were jointly owned by myself and my spouse, XXXX, and that credit could not be transferred from these accounts to the new application because it was in my individual name only. The underwriting department suggested I re-apply and include both myself and my spouse on the application, which should result in an application for co-ownership and thus have the same ownership as the other XXXX pre-existing credit card accounts ( ultimately leading to an ability to transfer some credit ). 
- I double checked this information with the Bank of America credit card application service center at XXXX. They indicated that by including both names on the online application I would be applying for co-ownership on the account- I submitted a second application ( Application ID XXXX  ) including both names. The application contains a portion for another cardholder. This application was immediately rejected. After contacting Bank of America, I was informed this application was rejected because it was flagged as a duplicate ( because only the first name and its associated information was compared between the applications ). This reveals that the term cardholder in the application in fact means authorized user and that a joint ownership application is not available. 
- Upon further discussion with XXXX XXXX XXXX  I was informed that the information I had received from the application service center was indeed incorrect, and that it is not possible to directly apply for a co-ownership credit card account, but that instead one would have to first apply individually and then, upon approval, apply to add a co-owner. This was, of course, not possible because the overall maximum combined credit limit had been reached. I also discovered that if I were to request a reduction in the overall amount of extended credit, it might not be re-instated in conjunction with a new card application. 
- I asked if there was any solution to the problem, and was told that they couldnt figure one out.

- After this I did a product change but this meant 1> I didn't receive a sign up bonus and 2> the type of credit card ( XXXX XXXX XXXX ) was not the type I'd preferred and 3> I had a hard credit pull unnecessarily
Product: Credit card or prepaid card

On XX/XX/XXXX we left two deposits for a cruise on XXXX XXXX  on our mastercard. The company went out of business and in XX/XX/XXXX we recieved one refund for {$4200.00}. The other deposit for {$4300.00} Has not been refunded. I have talked to many representitives from Citibank and each time they say it will be resoloved in 7-10 days.I called on XX/XX/XXXX and talked to XXXX. On XX/XX/XXXX with XXXX XXXX of XX/XX/XXXX. XX/XX/XXXX with XXXX XXXX time they said that it was being worked on. On XX/XX/XXXX I recieved a letter from the " customer service team '' That they are continuing to work on the claim. Its now XX/XX/XXXX and I still have no resolution. Are they going to pay or not. If not I need a letter stating why they are not paying the claim.
Product: Credit card or prepaid card

I have had a Discover Card since 1989. I have never missed a payment. Discover closed my account due to inactivity even though I made a purchase and paid in full as they requested. I called customer service and was told there was nothing that can be done. The supervisor, XXXX, did nothing to find out if there was a simple reinstatement process. I feel as though I have been an outstanding customer and complied with their rules and they closed my account and affected my credit score as a result because now the age of my credit and credit lines have become reduced. After a number of calls and a letter they refuse to reinstate my account. I have done nothing wrong. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA violations : accounts not mine XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$110.00} Status Account charged off. {$110.00} written off. {$110.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX. 
Potentially negative Date opened XX/XX/XXXX XXXX {$710.00} XXXX XXXX account. {$710.00} written off. {$710.00} past due as of XX/XX/XXXX. 
AD XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$990.00} XXXX XXXX account. {$9.00} FCRA violations : inquires not mine XXXX  XXXX NA Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX & XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX NA Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : payments never late XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$24000.00} Status Open.
Product: Credit card or prepaid card

I had to file a previous complaint in order to even get XXXX to contact me. Once they finally contacted me I negotiated a settlement of debt. They have reported to the credit bureas that I made a payment and not that the debt has been settled. They are still reporting that a balance is due.
Product: Checking or savings account

On XX/XX/XXXX and XXXX some one manage to hacked my bank account with wells Fargo online. 
XXXX the amount of XXXX from 3 different business accounts. 

and the money went to online banks also to other bank with one physicals address in UTAH. 
we are very small companies striving to survive, with all that is going on, 35 families depends on this money including myself a single mother with XXXX kids. 

Wells Fargo has denied the claim stating that the log in and passwords use to do this transactions were mines. 
Please I'm asking for your help to solve this problem thank you in advance
Product: Mortgage

I got a divorce in XXXX, I was unable to afford my mortgage. I applied for a program called making homes affordable and was accepted. All documents needed where returned to Bank of America as requested multiple time before the deadline as requested. Multiple loan document packages where sent and returned as many as XXXX. I was told my ex-husband did not need to sign the documents as long as I sent a copy of the divorce and property settlement as well and the deed, all of this was sent to Bank of America, but the packages kept getting rejected because my ex-husband had not signed, so with great difficulty I got my ex-husband to sign the papers, but low and behold the documents were allowed to expire by Bank of America. I had to get him to sign the documents three more times after that. Finally XX/XX/XXXX my loan entered an normal loan status. I was notified by Bank of America that all was complete. I was also told after six months this should reflect as a normal loan status on my credit, which would have been in XX/XX/XXXX. I thought all was finally resolved. I recently tried to refinance my loan in just my name and was told that my loan is being reported as making partial payments and not in a normal loan status. I contacted Bank of America and now they are saying they need another loan packet agreement, that the loan is not in a permanent loan status.This has been going on for five years now. They have also been sending me conflicting tax statements for the last four years. This program by XXXX was meant to help people not hurt people. Please help me resolve this issue that is ruining my credit. Also there was an incentive of XXXX dollars per year for every year you make your payments on time. I have never received any incentive payment. All of this must be illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to get these accounts updated. I have 2 accounts with XXXX XXXX that were open and now closed that were both paid off. Please look into this situation and either update or remove from my report. These accounts with XXXX XXXX were paid off a few years ago. 

Acct # XXXX & XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally express my concerns and dissatisfaction with the significant discrepancies in the credit scores reported by Equifax compared to XXXX. Despite demonstrating responsible credit behavior and actively working to reduce my debt, I have noticed that my Equifax score remains substantially lower than my XXXX score. This discrepancy is not only confusing but also seems unjust, as it affects my financial standing and access to fair lending opportunities. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to a fair and accurate credit report, and credit reporting agencies are required to ensure the maximum possible accuracy of the information they report. The inconsistent scoring between Equifax and XXXX raises serious questions about Equifax 's adherence to this legal obligation. Given the importance of credit scores in determining access to credit, loans, and even employment opportunities, the impact of an inaccurate score is far-reaching and damaging to my financial well-being. 
I request that Equifax re-evaluate the data being used to calculate my score, correct any inaccuracies, and ensure my score aligns with the efforts I have made to improve my credit. 
I trust that you will address this matter with the urgency it deserves, and I look forward to a prompt and fair resolution. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

purchased a XXXX  XXXX XXXX paid it off 2   weeks early they told me United Acceptance Inc that my title would be here in 10 business days it has been 5 weeks no title am starting to get worried they ripped me off .Because I first bought the car from a car dealer and financed The Loan in house From a car dealer who sold my loan to these people after he ripped me off to hide it now they wont give me my title .so I want to open an investigation on both Companies from the start of the contract .The First Company is XXXX XXXX XXXX XXXX At XXXX XXXX XXXX XXXX Florida XXXX Phone XXXX And the Second Company is United Acceptance Inc At XXXX XXXX XXXX XXXX XXXX Ga XXXX Thank You.
Product: Credit reporting or other personal consumer reports

Every time I think about my credit score, it feels unfair knowing its lower because of accounts I had nothing to do with. The damage has already been done, and I just want my report to be right so I can move forward.