23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

BANK OF AMERICA HAS CLOSED MY ACCOUNT BECAUSE THEY NO LONGER WORK WITH XXXX BUT XXXX CLEARLY STATED THAT WE WOULD BE ABLE TO USE THE CARD UNTIL XX/XX/2022 IM UPSET BANK OF AMERICA LIED AND TRIED TO SAY XXXX CLOSED MY ACCOUNT BUT A REP FROM BANK OF AMERICA CLEAR AS DAXXXX STATED THAT IT WAS BANK OF AMERICA NOW THIS BANK WANTS ME TO REVERIFY MYSELF THROUGH XXXX XXXX IS STATED THAT I SHOULD BE ABLE TO WALK INTO A BRANCH TO RECEIVE MY FUNDS FROM THIIS BANK BUT BANK OF AMERICA IS SAYING THEY CANT DO ANYTHING UNTIL I VERIFIY MYSELF MY BALANCE IS STILL THERE IN THE ACCOUNT I BELIEVE XXXX AND THE REP FROM THE BANK THAT BANK OF AMERICA CLOSED THE ACCOUNT WITHOUT WARNING AND I DEMAND IT TO BE REOPENED NOW I NEED MY FUNDS NOW YOU HAD NO RIGHT TO FORCE CLOSE ANYTHING MY FUNDS ARE IN THERE AND I HAVE CLAIKS STILL
Product: Credit card

Account is mine, but during the process of me accessing my account my identity got compromised and Capital one bank closed and put on my credit report instead of opening me a separate account I would like my account reinstated, however since my identity was stolen during the time period I would like a investigation as of late payments.
Product: Checking or savings account

Paid electric bill on XXXX at XXXX XXXX Got notice on XXXX I was overdrafted. Saw mobile app, charge of electric company for XX/XX/year>, had XXXX hrs to set account positive. XX/XX/XXXX was charged overdraft fee XXXX. Checked mobile app transaction being showed fir XX/XX/year>. After XXXX minutes on phone was told that is how system works do not trust the XXXX overdraft privilege, it is confusing, that what was told by three customer service reps and a 2nd level manager. They dint even know why the overdraft fee was charged, or why the mobile app was not updated, or why the transaction date ahiwed one day before.
Product: Credit reporting

i have been a victim of identity theft for a few years and i summited a dispute and police reports to all XXXX credit bureaus and they have not removed the the incorect info from my credit file. this is a big hassle trying to get my file corrected for almost 2 years now. the detective on the case has info of a suspect that used my info at a XXXX company and this has been an ongoing investigation
Product: Debt collection

I received an sms for a debt from " CBE Group '' # XXXX. I proceeded to call them and got through to a representative. Its from an XXXX collections account from XXXX  according to the rep and there is approximately {$45.00} dollars due, not worth our times so i negotiated and we made it to {$20.00} the price he offered and we both agreed on, I provided my credit card and address to pay it off on the same call, and the agent even repeated and confirmed the info, just as he is going to submit, he says " it looks like the lowest amount we can go is now {$25.00}... I told him that's ridiculous and an unacceptable tactic, its not for the {$5.00}, but for the deceptive and in clear violation practice. He then said since I wont accept the {$25.00} the well record it on their end as well as XXXX... This is clearly violating several FTC guidelines ; Public Law 111-203, title X, 124 Stat. 2092 ( 804, 805, 808, 809 ). All this after i provided them my updated address/ my contact info and my credit card information! I want this resolved by them and absolved or going after the full penalty+ suing.
Product: Debt collection

They use a robo phone to contact me and threaten mme with a XXXX year old debt that 's not even mine. 

They harass me all day and will not provide any documentation as to what the debt is XXXX on a Visa card??? That 's what they say I owe. That 's fraudulent
Product: Credit reporting, credit repair services, or other personal consumer reports

The three reporting agencies : XXXX, Equifax XXXX XXXX was contacted, by the creditor, XXXX to delete my hard inquiry. This was done On XXXX XXXX, 2023 to all repositories to have the hard inquiry removed. The process requires letters to be sent via USPS to the addresses provided by the repositories which are po box es. The creditor acted in good faith to remove the hard inquiry, as it was an erroneous authorization.

I have followed up with each of the Reporting Agencies that were given the letters to get a status. I am unable to get a follow up. The customer service agents are not providing direction, instead I am getting the same dispute letter. No action taken. I am asking CFPB to notify the agencies to follow up the request provide by the creditor.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of XXXX XXXX. On my background check appears information that does not pertain to me. Which is preventing me from having gainful employment and feeding my family because of this error.
Product: Credit reporting, credit repair services, or other personal consumer reports

My student loan was in deferment and they reported the loan as late payments. I also never attended XXXX XXXX XXXX and they charged me any way for the loan. I consolidated my loan with XXXX and they STILL garnished my taxes and the remaining balance of {$61.00} they allowed XXXX to consolidate on a plan to repay. They were supposed to consolidate the entire amount for the student loan. That was the agreement. They illegally garnished my taxes while in consolidation. I paid the {$61.00} in XX/XX/2020. My account with XXXX is in good standing and paid. US Department of Education and XXXX XXXX are reporting that my account is delinquent. This is not accurate. The account was consolidated with XXXX and is in good standing. I have called the US Department of Education and they tell me to call XXXX. XXXX tells me to call US Department of education. This inaccuracy is bringing my scores down over 100 points on XXXX.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX XXXX XXXX, which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXX and would like for all listed account to be blocked and deleted company information from XXXX, Equifax and XXXX. 

Please delete the following account : XXXX XXXX XXXX  Account number : XXXX Balance : {$170.00} XXXX Account number : XXXX XXXX : {$540.00}
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found late payment on the dates below : 60 days past due as of   XXXX   XXXX     30 days past due as of   XXXX   XXXX     I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

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

I consistently check my credit report and noticed that the errors and false misleading information for individual accounts didn't quite meet the credit reporting standards of being 100 % correct.This has damaged me and held me back for some time. I'm demanding the CFPB to enforce the correction and/or deletion of these items. XXXX XXXX account # XXXX has inaccurate last reported. Inaccurate date last active.
Product: Debt collection

I have disputed this item several time each time asking for account/accounting verification with LVNV they never provided. LVNV is/has stated to me that they are the original Creditor this is showing on my experian but on my XXXX LVNV has a different original Creditor. XXXX and XXXX always come back stating that this debt has been verified.
Product: Credit reporting, credit repair services, or other personal consumer reports

REGIONAL ACCEPTANCE Account XXXX Has Been removed from my XXXX  account and they were reporting on my XXXX Account XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX is ran as a charge off an IRS DEFINES A CHARGE OFF AS GROSS OR INCOME DOES NOT GET REPORTED ON CONSUMER REPORT AND I NEVER RECEIVED ANY OF THE 1099 Cancellation Of Dede From. This Account is is Inaccurate And Has To Be Removed. 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and vou are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Product: Debt collection

Fraudulent company attempting to claim illegal rights to property. 
SELENE FINANCE LP has reported to XXXX by illegal reaging and flagged account as Loan Modification on XXXX XXXX, XXXX.by reporting personal credit report debt resolved in bankruptcy.in XXXX. Refuse to respond to multiple XXXX, XXXX  or validation as required by lending laws. Harassing neighbors at personal resident and illegal entry personal property. Failing to obey U.S fair credit laws with illegal credit reporting, aggressive & illegal business practices.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX Opened XX/XX/XXXX {$490.00} XXXX XXXX XXXX Opened XX/XX/XXXX {$620.00} XXXX XXXX XXXX XXXX Opened XX/XX/XXXX {$630.00} XXXX XXXX XXXX Opened XX/XX/XXXX {$630.00} FIRST PREMIER Opened XX/XX/XXXX {$730.00} My information may have been impacted by the XXXX, TransUnion and XXXX XXXX XXXX and XXXX have got into the hands of the wrong person 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) ACCURACY AND FAIRNESS OF CREDIT REPORTING The XXXX makes the following findings : ( XXXX  ) 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 ( XXXX ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, creditstanding, credit capacity, character, and general reputation of consumers. 
( XXXX ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
( XXXX ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy Under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, XXXX, I XXXX presume that no proof of the alleged debt, nor therefore any such debt, in facts exists I want : XXXX. Proof that I owe this debt, including a detailed accounting of the original amount, any accrued interest, fees, and any other charges. 
XXXX. Copies of any signed agreements or contracts pertaining to the debt. 
XXXX. Evidence that your company has legal standing to collect this debt. 

Please note that failure to provide this information within the stipulated time period will result in my reporting your company to the Consumer Financial Protection Bureau ( CFPB ) and any other relevant regulatory bodies. 

Additionally, while this matter is under dispute, I am requesting that all collection efforts be immediately ceased, and that no negative information related to this alleged debt be reported to any credit bureaus. Any negative reporting during this period will be considered a violation of my rights under the FDCPA. 

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

In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX, XXXX XXXX/XXXX  Account # XXXX, XXXX XXXX  Account # XXXX, US Dept of Ed/XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX and XXXX 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 consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX XXXX : Account Number : XXXX : Balance : {$14000.00} Account Name : XXXX : Account Number : XXXX : Balance : {$970.00} Account Name : XXXX XXXX : Account Number : XXXX : Balance : {$330.00} Account Name : XXXX XXXX  : Account Number : XXXX : Balance : {$730.00} Account Name : XXXX XXXX XXXX : Account Number : XXXX : Balance : {$770.00} Account Name : XXXX XXXX XXXX : Account Number : XXXX : Balance : {$1000.00} Account Name : XXXX XXXX : Account Number : XXXX : Balance : {$270.00} Account Name : XXXX XXXX : Account Number : XXXX : Balance : {$190.00} Account Name : XXXX  : Account Number : XXXX : Balance : {$580.00} Account Name : XXXX XXXX XXXX XXXX  : Account Number : XXXX : Balance : {$37.00} Account Name : XXXX XXXX XXXX : Account Number : XXXX : Balance : {$530.00} Account Name : XXXX. XXXX, XXXX : Account Number : XXXX : Balance : {$3200.00} Unauthorized Inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. Transunion is required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting item as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update them immediately in my report : XXXX XXXX XXXX Date opened XXXX XXXX, XXXX Balance {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I filed a complaint # XXXX as Innovis has not been properly recording and publishing my financial data such as my credit card monthly payments. Due to this failure my financial scores showed to lenders are affected. As already described, I have suffered various adverse responses due to this failure to compute and to publish my financial data and scores. After investigating with XXXX XXXX XXXX XXXX, where I do have a Premier Mastercard account since XX/XX/XXXX with XXXX past due since 6 years ( statement attached ), we have got a letter dated XX/XX/XXXX ( attached ) from XXXX XXXX XXXX  certifying that they do properly report to Innovis all my financial payments. In addition, I can see all my missing good payments in the Innovis credit report dated XX/XX/XXXX ( attached ) where years XXXX to XXXX are fully missing in the Account section for my XXXX XXXX credit card. This is the proof that Innovis knows about my account at XXXX XXXX but do not investigate on the failure cause and do not resolve the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : 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

i made a complaint about my pnc credit card being assessed 1.51 interest. for XXXX cent underpayment. this is the only bank that will insist on it. now i am told someone closed the account. i am reporting this to the media and to oither regulatoryu aegncies. they have money to pay idiots to do nothing but not to give me my money back. and must insist on interest. i want to know who closed it and whythis greed and stupidity must stop
Product: Credit reporting or other personal consumer reports

As a consumer, I have listed the concerns about Experian 's reporting to my credit profile. I sent Experian my first dispute letter which was received by Experian on XX/XX/XXXX, via certified mail, and the second which was received by Experian on XX/XX/XXXX, via certified mail. My Credit report is not complete nor accurate and Experian has failed to meet applicable standards according to the law that they are required to adhere to by for both FCRAs as well as Metro 2 compliance. My rights are being violated and I am aware that Experian has been sending out form letters in response to my letters which is illegal. Currently, I have no choice but to invoice Experian for violating my consumer rights and for personal damages incurred. I am attaching my invoice to Experian listing the laws that they are in federal violation of and also attaching a copy of my last dispute letter that they have ignored.
Product: Debt collection

In XXXX of XXXX, I got approved for a line of credit, ( {$5300.00} ) through XXXX, ( XXXX XXXX  ) XXXX for XXXX. I was given a treatment plan for XXXX  cost & was approved for the line of credit on the same day. Everything happened very fast & initially thought that I could handle the payments. Later on when I realized I wasn't able to handle the monthly payments, I contacted XXXX and asked them if they could lower the monthly payments to an amount that was more manageable, they refused. 
On XX/XX/XXXX I received a phone call from a guy named XXXX who asked me to confirm my name & confirm that I lived in XXXX XXXX XXXX, After I confirmed this information, XXXX claimed he was getting ready to file wage garnishments against me for the debt that I owed XXXX. He also claimed that if I paid him at least {$200.00} by the end of the month that he would not file for wage garnishment. He also claimed to have done a credit check on me & said I had decent credit. I explained to him that the soonest I could make a payment would be XXXX. He said he would try to hold off on filing a judgment against me, if I was able to call him the following week to make a payment. After this phone call I realized that XXXX had failed to identify himself as a debt collector & failed to identify which company he was working for. I had to call the company back at the number that XXXX initially called me from XXXX. A man named XXXX answered & he informed me that their company was called Eastpoint Recovery Group. XXXX also put pressure on me to make a payment by the end of XXXX because they'd lose the account if I didn't. 

The address for XXXX, ( XXXX XXXX  ) is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX The address for Eastpoint Recovery Group is XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX - XX/XX/2024 XXXX XXXX - XX/XX/2024 As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent inquiries in my report and Equifax has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, please help me immediately delete these inquiries. Here I add the FTC report, hoping that you make a better decision in my situation, thank you