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

I'm submitting this complaint in response to a notification on my credit report. The files reported are inaccurate and erroneous and are leading to a negative impact on my credit file. I am including proof with this letter and the following information on the credit report is incorrect. 

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

American Express policy of membership reward point forfeiture in the event of an involuntary card termination is not enforceable under consumer law. Although my card was recently involuntarily terminated, due to a bankruptcy filing, the account was in good standing XXXX since XXXX ) and the reward points balance was approximately XXXX. Had I received any amount of advance notice, these points could 've been easily been redeemed. 

My bankruptcy has been dismissed, with no debt discharge, yet American Express refuses to re-instate the membership rewards balance and permit a one-time transfer. 

Please help.
Product: Credit reporting or other personal consumer reports

Hello, I am filing this complaint against the credit bureaus for not investigating and not responding to my request for an investigation in 30 days. I noticed months ago that my credit report had multiple errors reporting and it is very important to me that it gets addressed immediately. I have contacted the furnishers of the information and am currently anticipating their response. The credit bureaus are guilty of multiple fcra violations and this needs to be addressed. My credit report needs to be fixed today.
Product: Mortgage

I obtained a Modification Approval from my Mortgage Company, PennyMac Mortgage which was supposed to give me a 2 month payment hiatus and a reduced mortgage payment. 
I was told this Modification would be reported to the Credit Bureaus as my making partial payments. This never happened. Instead, my original mortgage payments were reported as very delinquent over the course of the Modification. The XXXX page Modification Approval I received advised me on the first page that I was only to make my new modified payments during the Modification. The XXXX page, which I did not look at until recently, told me that I in fact, I had to make my regular payments as well as my modified payments to avoid Delinquency Reporting during the Modification period. This entire transaction was misrepresented to me at the beginning and during the Modification period.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian wont block a fraudulent XXXX XXXX account
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  XXXX # XXXX in accordance with the Fair Credit Reporting act XXXX 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
Product: Debt collection

i am getting 14-20 calls daily on my cell phone, i have asked several times not to call during my work hours. the calls are sometime XXXX minutes apart.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint to formally report fraudulent and inaccurate accounts that have been erroneously reported on my credit file by the major credit reporting agenciesXXXX XXXX, and TransUnion. These accounts were opened fraudulently without my knowledge or consent, and I do not recognize or have any association with them. 

I contacted the creditors associated with these accounts more than 30 days ago to request copies of all contracts, signatures, and documentation they have regarding these accounts. Despite my repeated requests via phone, email, and mail, I have received no response. The credit reporting agencies have similarly failed to take appropriate action to investigate and resolve my disputes. This negligence violates my rights under the Fair Credit Reporting Act ( FCRA ) and other applicable laws. 

Details of Fraudulent Accounts and Violations : The following accounts are fraudulent, contain discrepancies, or have been reported inaccurately without my consent : XXXX Account Number : XXXX Issues : Charged-off account with discrepancies in payment status, open dates, and lack of proper notification. 
Violations : FCRA 607 ( b ), 611 ( a ), 15 U.S.C. 1692g XXXX XXXX Account Number : XXXX Issues : Collection account with balance discrepancies, open date variations, and lack of validation. 
Violations : FCRA 607 ( b ), 611 ( a ), 15 U.S.C. 1692g XXXX XXXX XXXX Account Number : XXXX Issues : High credit amount discrepancies, conflicting open dates, and failure to validate across bureaus. 
Violations : FCRA 607 ( b ), 611 ( a ), 15 U.S.C. 1692g XXXX XXXX Account Number : XXXX Issues : Monthly payment discrepancies, differing open dates, and lack of proper validation. 
Violations : FCRA 607 ( b ), 611 ( a ), 15 U.S.C. 1692g XXXX XXXX Account Number : XXXX Issues : Balance discrepancies, varying account details, and failure to validate. 
Violations : FCRA 607 ( b ), 611 ( a ) XXXX XXXX Account Number : XXXX Issues : Charged-off account with discrepancies in high credit amount, open dates, and last reported dates. 
Violations : FCRA 607 ( b ), 611 ( a ), 15 U.S.C. 1681g ( e ) Additional Issues : Unauthorized Credit Inquiries : Inquiries by XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and others were unauthorized and must be removed immediately. 
Incorrect Names and Addresses : Fraudulent names such as XXXX XXXX XXXX and incorrect addresses like XXXX XXXX XXXX XXXX, MI XXXX appearing on my reports. 
Violations of Federal and State Laws : The credit bureaus have committed the following violations : FCRA 607 ( b ) : Failure to ensure maximum accuracy in reporting. 
FCRA 611 ( a ) : Failure to investigate and resolve disputes within 30 days. 
15 U.S.C. 1692g : Failure of creditors to validate debts within five days of reporting. 
Gramm-Leach-Bliley Act : Failure to safeguard consumer data. 
Michigan Compiled Laws XXXX to XXXX : Criminal identity theft violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I notified the credit bureau that I am a victim of Identity Theft, ( police report, identity and theft affidavit ). I provided the legal documentation required along with identifying information. I requested they remove the following accounts. This information is still reporting. I was first violated when they failed to verify the information and then when they reported it. The original creditor has deleted the account but the collection agency and credit bureau accounts are reporting The credit bureaus and the collection agency has ignored the laws that was set-forth to protect me. It has exceeded the 30 days to investigate and delete the account. 
The companies are : RVCL PER  MNG XXXX XXXX XXXX XXXX XXXX The only address that should be reporting i s XXXX XXXX XXXX XXXX, XXXX Ga, My Name should be reporting as XXXX XXXX XXXX XXXX No variations and no AKA I did Not authorize the following Inquiries : XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft, I did not give consent for the loan from XXXX XXXX that was given to a company called XXXX  to finance a device. The companies has an electronic signature of someone else. They do not have my signature or correct information as far as email or phone number. I have reached out to the company stating I do not have there product they insist on billing me.
Product: Checking or savings account

Subject : Formal Report Against KeyBank for Unauthorized Charges and Overdraft Issues Description of the Incident : Unauthorized WordPress Charges : Date : Over the past three years.

Description : I've been subjected to unauthorized charges related to a XXXX account. Despite monitoring, these charges continued without my consent. The account status misleadingly indicated " no payment has been added. '' XXXX 's ABU Service & Overdraft Protection : Date : Opted out in 2020.

Description : I was aware of MasterCard 's Automatic Billing Updater ( ABU ) service and its implications. To safeguard myself, I deliberately opted out of KeyBank 's Overdraft Protection. Contrary to my directive, KeyBank continued to authorize and pay overdrafts, resulting in numerous service charges.

Legal Protections & Violations : Relevance : The unauthorized WordPress charges, the implications of MasterCard 's ABU service, and KeyBank 's disregard for my overdraft preferences appear to violate the Colorado Consumer Protection Act ( CCPA ). This Act prohibits deceptive practices, which in this scenario, pertains to the unauthorized charges and KeyBank 's failure to respect my overdraft choices.

Potential NACHA Violations : Description : The continuous unauthorized electronic transactions might breach NACHA rules, which could lead to substantial fines. I have provided digital evidence of these unauthorized transactions.

Website Glitch : Description : I noticed an inconsistency on KeyBank 's dashboard. When accessing my business banking details, it displays information related to a personal account, raising concerns about the platform 's reliability.

Attempts to Resolve : Description : I have reached out to KeyBank on five separate occasions to address and resolve these issues. Despite my persistent efforts, KeyBank has failed to provide adequate assistance or a satisfactory resolution.

Request for Action : I urge KeyBank to initiate a comprehensive investigation into these matters. I believe I'm entitled to a reversal of the service charges incurred due to the unauthorized XXXX transactions and the bank 's failure to adhere to my overdraft preferences. 

Impact : This situation has profoundly affected my business operations and personal finances. I anticipate a prompt resolution and appreciate your cooperation. 

Thank you, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Is reporting inaccurate information on my credit report.
Product: Debt collection

Account number XXXX Date opened XX/XX/2023 Account type Collection Status Collection account. {$1200.00} past due as of XXXX XXXX. 
Status updated XX/XX/2023 Contact info Name XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX, TX XXXX Phone number ( XXXX ) XXXX Unable to verify ownership. Can not provide itemized bill that corresponds to a date that I actually received services. 

Hospital can not verify debt. They have no record of bill. They have no record of service provided to me on that date.
Product: Credit reporting or other personal consumer reports

The following Hard Inquiries are NOT mine and i never gave permission or authorization to pull my credit : - 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 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 reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX XXXX, CHRYSLERCAP, and XXXX XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX XXXX XXXX, XXXX XXXX, CHRYSLERCAP, and XXXX XXXX  with no successful resolution. There was definitely an error on their part.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is to inform the CFPB that XXXX and LVNV FUNDING, LLC have once again placed a dubious account back on my credit report. The account was disputed and removed from my credit file. The same account has been resold three times by numerous collection agencies and placed on my XXXX and XXXX credit files. 
Partial account number XXXX. 
LVNV FUNDING, LLCs thievery attempt to collect an erroneous debt is also in violation of the NO PARKING RULE. Which states, debt collectors can " not report your debt or your supposed debt to credit reporting agencies without first trying to contact the consumer. 
If this illegal account isnt removed from my credit file immediately, I will be contacting an attorney and seeking the maximum remedy allowed by federal law.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries :. XXXX || Date of inquiry : XX/XX/XXXXXXXX XXXX  XXXX || Date of inquiry : XX/XX/XXXX
Product: Debt collection

Ive made payment starting XX/XX/XXXX I paid XXXX and make check payments of XXXX on the XXXX of every month until XX/XX/XXXX of XXXX total, I also have paid XXXX my Previous phone company has paid to them. now I owe says XXXX is now owed. so today I get an email that says I owe XXXX and also say two different amounts says as a friendly reminder they will take out XXXX is scheduled for XX/XX/2019 so I called and ask if they can work with me one Representative said to call her back her name is XXXX XXXX XXXX to make payment arrangements so I called back and I got somebody else she told me I need to make the payment today or is going to my collection the full payment of {$510.00} so I told her I would call her back and she said shell be there at XXXX XXXX XXXX I called for the third Time and I got a man on the phone he says I need to make the payment today or its going to collections I cant make payment arrangements and needs to be {$510.00} so I told him the information I got needs to change the wording in my email showing that the only payment thats coming out is XXXX two different amounts are on my e mail they cant find this e mail they e mail they just keep saying I need to make this amount of XXXX Im willing to make a payment arrangement but theyre not willing to cooperate with me they keep giving me the run around I asked for a supervisor He tells me theres no supervisor visor available he also told me the prior women I talk to the two times Ive called or not available so Im not getting any information I need to work so I can for long my payment arrangement Im I just sold a home I just need a couple more weeks to make the full payment and theyre not willing to work with me I need them to reassure me that I making a payment of {$510.00} not any money taken out of my account on XXXX XXXX of {$630.00} thats with the paperwork since they need to fix this paperwork so I can make a proper payment Ive been making payments why cant they work with me Ive never made a late payment to these people the company is called GC service limited partnership my GC number XXXX I just cant pay XXXX today Ive been honest with them my house is being sold I can pay them just need the time.
Product: Debt collection

Source Receivables MNG has placed a collection account on my consumer report. I do Not know who this company is. I have Never done business with this company. I have Never signed a contract with this company for anything. Nor, have I given permission verbally or writing to anyone to pass my information to this 3rd party company, that I never heard of.
Product: Payday loan, title loan, or personal loan

Advance America, a loan company of whom I have an account : has taken over 1600.00 dollars from my VA XXXX account, leaving me with no funds for groceries, utilities or insurance. I am behind on my payments, and feel that I should have had some warning about this. Also I was under the impression that these XXXX funds are immune from garnishment.This company is located in XXXX, Texas.
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke with a US Special Handling Supervisor by the name of XXXX about some inquiries that I did not recognize or authorize. I am a victim of identity theft and I 'm aware that any fraudulent and inaccurate information should be removed from my credit report. I explained to him that I had already contacted the company and they stated that I should call the credit bureaus, because they have no application or account with my name. XXXX also stated that he could n't dispute the inquiries, because he 's not allowed to which I know is a lie. I 've never had a problem with getting inaccurate information disputed. He was being very rude and yelling over the phone instead of trying to help me. I feel like my FCRA rights are being violated. 

The inquiries are : XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/2017 XXXX XXXX/2017
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not owe money to XXXX, XXXX or XXXX XXXX  there is no contract between me and them and I have asked XXXX, transunion and XXXX to produce proof of contract and they have not
Product: Payday loan, title loan, personal loan, or advance loan

XXXX XXXX XXXX I signed for a loan of XXXX XXXX  with taxes included to a XXXX program. they said this on there program description : Get placed in a XXXX XXXX  tech job through our done-for-you training and job placement system in as little as 90 days!. whitch in fact is a complete scam. Ive been doing the program for XXXX  months now and ive gotten no help or emails back from the company. i asked for help a million times. they did not provide anything they said they would.
Product: Credit reporting or other personal consumer reports

these account are fraud not mine please remove them 2 accounts
Product: Credit reporting or other personal consumer reports

The following account doesnt belong to me XXXX XXXX XXXX
Product: Mortgage

Loan No : XXXX Property Address : XXXX , AZ XXXX Consumer Financial Protection Board Since XXXX, I have in six occasions applied for a loan modification and in each occasion the loan modification has been denied for what I believe is not enough reason or evidence for the denials. In two occasions I have file a complain with the Consumer Financial Protection Board. However, no resolution of this case has come to fruition for me as a consumer. The case numbers for my prior complaints are XXXX and XXXX. 

We are requesting that XXXX and its servicer Bank of America modify this loan to acceptable terms in the industry ( 40 years fixed rate at 4 % or lower ). We are currently paying a rate of 5.625 % 20-year fully amortized loan. After having paid without missing a payment interest only at a rate of 5.625 % for 10 years. I am currently unemployed and for the first time in 10 years, I was forced to skip a payment XXXX XXXX, I will not be able to pay XXXX XXXX either. We had to replace the AC unit at a cost of {$5000.00} dollars. Fact that escaped the underwriters at Bank of America having shown proof of these facts. The underwriters also dismissed the fact that the loan also recast in XXXX XXXX. This fact, was not taking in consideration and the only solution they want is a Short Sale on a property I bought with 25 % down payment. Bank of America 's underwriters insist that there is no evidence of hardship. Underwriters also state that we have over {$25000.00} dollars in liquid assets. Fact that is not factual as I discussed at length with Bank of America Relationship Manager. 

I will greatly appreciate your assistance in fulfilling your charter as a Consumer Protection Agency. 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

Equifax, XXXX and XXXX are in violation of FCRA. A furnisher may not furnish information that a consumer has identified as resulting from identity theft unless the furnisher subsequently knows or is informed by the consumer that the information is correct. Section 623 ( a ) ( 6 ). If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information. Section 623 ( a ) ( 2 ). 

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

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

15 U.S. Code 1681 Section 602 States I have the right to privacy. 

15 U.S. Code 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. Code 1666b : A creditor may not treat a payment on a account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or around XX/XX/2020 I contacted Bank of America regarding my MasterCard account and related recent 30 day late payment reported to the three credit reporting agencies ( CRA 's ). I spoke with a Customer Service agent named XXXX who was very helpful and understanding of my circumstances. I explained to her that I had been out of town tending to a family member 's affairs that had been stricken with the Coronavirus illness ; ( Return itinerary attached ). She said " she understood and that I could have, and should have been offered a payment deferment that would have prevented this matter and would assist me in having the 30 day late reporting removed from my credit report ( s ) ''. On or around the XXXX of XXXX I followed up with another call to Bank of America Customer Service once realizing that the 30 day late payment still remained on my credit report. I was then told that by another Representative ( No Name ) that I was given wrong information and the 30 day late payment would not be removed and that I could dispute the information to the three CRA 's, which I did. I asked repeatedly to be referred to a manager or supervisor or contact information to a credit report resolutions department and was told that there was no other department I could speak with regarding the matter. I have made repeated attempts to contact Bank of America asking for contact information to a Manager, Supervisor, or the mailing or email address for a department that I could reach out to. I have made every attempt as a consumer to resolve this matter. I had never previously been 30 days late in the history of my account ; I was {$80.00} dollars late on my account, however was told I needed to pay {$150.00} to bring the account current which I immediately did upon my return home from my trip ; in the interim I set up automatic payments to ensure no further mishap ; I then ultimately paid the account in full and closed the account.