23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On XX/XX/XXXX, there was an unauthorized transaction of {$410.00}. The next day, We told bank of America immediately that it was an unauthorized. After their investigation they said that it was a valid transaction. I am extremely upset because the name that was on the transaction is not anyone I know, and its definitely not me. Its been 4 months and Bank of America is refusing to give me my money! They closed the case and basically told me that there was nothing they can do. We have been with Bank of America for 21 years, and this is absolutely disgusting.
Product: Debt collection

I am not able to use my credit card account. After my payment plan was over, they have failed to re open my account. I believe that are discriminating based on my color. It is still on suspension. And I have to pay over XXXX. Even if they are giving me a payment plan, they are not allowing me to re open my account so that I can pay for XXXX XXXX. They lied and told me that my account would be opened after the plan and they renigged on their agreement. I am asking to have my account re opened and I need to have fraudulent charges removed.
Product: Consumer Loan

Collector refused to acknowledge my request not to call on Sundays.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX ( XXXX ) XXXX XXXX Date : XX/XX/year> Early Warning Services , LLC XXXX : Consumer Reporting Disputes XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, AZ XXXX Re : Formal Dispute of Items on EWS Report To Whom It May Concern, I am writing to dispute the accuracy and validity of the items currently listed on my Early Warning Services ( EWS ) report. Despite submitting multiple prior disputes, several fraudulent or inaccurate items remain, even though some entries were removed. The removal of certain items is a clear indication that inaccurate or incorrect information was originally reported, compromising the integrity of the entire report. 
Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Fair and Accurate Credit Transactions Act ( FACTA ), I am entitled to an accurate consumer report. EWS is required by law to ensure that any information provided is both verifiable and authorized. Section 611 of the FCRA obligates you to conduct a thorough investigation of all disputed information and delete any unverifiable data within XXXX  days. 

Despite repeated requests, I have not received documentation verifying the legitimacy of the remaining items. Under FCRA 609, I am entitled to all information in my file, including the source and supporting evidence. Since you have failed to provide this information, the continued reporting of these items violates federal law. 
The following disputed items are still active on my report and require immediate deletion : XXXX  XXXX XXXX : XXXX. Routing # XXXX Account # XXXX XXXX. Routing # XXXX Account # XXXX XXXX. Routing # XXXX Account # XXXX XXXX. Routing # XXXX Account # XXXX XXXX XXXX XXXX : XXXX. Routing # XXXX Account # XXXX XXXX. Routing # XXXX Account # XXXX XXXX : XXXX. Routing # XXXX Account # XXXX XXXX. Routing # XXXX Account # XXXX Since prior deletions demonstrate that inaccurate data was being reported, I request the following actions : XXXX. Immediately delete the remaining inaccurate, incomplete, or unverifiable items from my EWS report. 
XXXX. Provide written confirmation of the deletions and the updated status of my report. 
XXXX. If you maintain that any of the information is accurate, I demand that you provide me with complete supporting documentation and evidence for each entry within XXXX  days. 
Failure to comply will result in further legal action, including filing additional complaints with the Consumer Financial Protection Bureau ( CFPB ) and pursuing damages as allowed under FCRA 623. 
I expect a resolution within the legally mandated XXXX period. Please send all future correspondence to the address listed above or to my email at XXXX. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I dont owe this debt to XXXX XXXX XXXX I do not have a contract with progressive 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 or information, other than records of convictions of crimes which antedates the report by more than seven years. In accordance with the Fair Credit Reporting act. Ive been violated. My federally protected consumer rights to privacy an confidentiality.

15 USC 1681b 2.company has also NO permission to report ANYTHING using my pursuant to 15USC 1681 4
Product: Credit card or prepaid card

I bought a pairs of shoes with my Chase freedom credit card to a company called XXXX XXXX for the amount of {$750.00} dollars on XX/XX/2019, when I receive the shoes one of then wasn't what I order and I call the company to claim my what I ordered and they tell me that they were gon na open an investigation, after that I try to get in contact with them calling more than XXXX times and they don't answer to me, so I decide to call chase and open the dispute, after that I receive a credit on my account for the amount of {$350.00} but still XXXX dollars pending to be refunded, I've been calling chase every day in order to get that money back and provide proof that I returned the item plus pictures of what I receive and return label, and they said that is not enough and that there is nothing they can do, so I don't know what to do in order to get back the {$390.00} dollars that I paid for something that I didn't receive.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has reported to the credit reporting agencies that I currently have 4 loans with them, amounting to {$13000.00}. This information is inaccurate. On their official website, which I will show below, they have only 3 loans, amounting to {$7600.00}. Not only is that information incorrect, but they are also reporting inaccuracies as to when these accounts were opened. The loan amount for {$6200.00} was reported opened XX/XX/XXXX. I never opened that account. In addition to that, I never paid not 1 cent to this lender. I also didnt sign an agreement, nor take out these loans with XXXX. They are reporting these accounts with on time payments, since XXXX, and who is to say they wont decide to report late payments? According to the FCRA, all information is to be reported accurately. According to 15 U.S. Code 6802 section ( b ) OPT OUT ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party.
Product: Debt collection

Received a letter from CAINE & WEINER attempting to collect a debt for XXXX. 
I responded in a reasonable time frame disputing the alleged debt. I also sent a cease and desist along with a invoice as violation to 15 U.S.C. Were found. 
CAINE & WEINER did not acknowledge the cease and desist or invoice. 
Weeks later I received another letter stating that the alleged debt was verified. 
Only I as the consumer can verify an alleged debt which in this case I did not. 
Violations are as follows : 15 U.S.C 1692c- CAINE & WEINER did not have my consent to contact me 15 U.S.C 1692b ( 1 ) -Stated that I owed debt 15 U.S.C. 1692f ( 8 ) -CAINE & WEINER on mailing envelope 15 U.S.C 1692k- Civility liable
Product: Credit reporting or other personal consumer reports

As a consumer, I am compelled to file this urgent and formal complaint against TransUnion for significant violations concerning my credit report, which are gravely affecting my financial health, livelihood, and privacy. These actions are a clear breach of the FCRA and constitute an unacceptable intrusion upon my seclusion. Details of the Complaint : ( 1 ) Unauthorized Inquiries and Privacy Breach : There are inquiries on my credit report that I never authorized. This is not only a misrepresentation of my credit activities but also a severe violation of my privacy, indicating an intrusion upon my seclusion. Such actions have threatened my financial security and personal privacy. 
( 2 ) Inaccurate and Incomplete Information : TransUnion has also reported inaccurate and incomplete information on my credit report. This negligent handling of my credit information is damaging my financial reputation and directly violates my rights as a consumer. The combined effect of these unauthorized inquiries, inaccuracies, and the blatant disregard for my personal privacy is alarming. It suggests a significant lapse in the protection and management of my sensitive financial data, that has led to adverse consequences for my financial and personal well-being. ( 3 ) Immediate and Firm Actions Required : I demand an immediate, thorough investigation by TransUnion into these serious discrepancies. All inaccuracies, incomplete data, unauthorized inquiries, and any breach of my privacy must be rectified or removed from my credit report promptly. 
TransUnion must adhere to the FCRA 's 30-day timeframe for investigations. ( 4 ) Consumer Rights and Expectations : I expect a detailed written report of TransUnion 's findings at the conclusion of the 30-day investigation period, along with an updated copy of my credit report, by mail. This is my right under the FCRA, and any failure to comply will lead me to consider further legal actions to protect my privacy and consumer rights. The negative impact of these issues on my financial health, livelihood, and personal privacy is profound. I urge TransUnion to address this complaint with the highest level of urgency and seriousness.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account 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 account below : XXXX XXXX XXXX : {$260000.00}
Product: Credit reporting or other personal consumer reports

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update or get rid of the following accounts from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Despite three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. Convergent Outsourcing is required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? Convergent Outsourcing has NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Moreover, Convergent Outsourcing, has failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very concise as to the Civil liability and the remedy available to individuals ( Section 616 & 617 ) if companies fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX accordance with the Fair Credit Reporting act XXXX XXXX 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 a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a car seat in preparation for my son being born from XXXX. The purchase was completed through Affirm. On the day that my son was born, when trying to take him home the hospital told us that we couldnt use it because it was made with XXXX left straps ( defective ) and we had to wait to take my son home from the hospital. I called XXXX and started a return. XXXX came and picked up the car seat on XX/XX/XXXX. I still paid affirm but I alerted them that the return had been processed and that they owed me money back. They insisted that I paid, which I did, and that they would issue a refund once XXXX completed the return. Affirm then refunded me money less than a week later. 
How can I be late when they sent me my money back. I am trying to purchase a house for my family and I have to get these inconsistencies removed from my credit report.
Product: Credit reporting or other personal consumer reports

The purpose of this complaint is to have unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

on XX/XX/XXXX there were charges made to my XXXX XXXX Credit Card without my knowledge. This card was previously paid off and I seldomly use it. I received no communication that there was an outstanding balance on this card or that it had become past due until XX/XX/XXXX. Once I was made aware that there was a past due amount I paid it immediately. I specifically asked why I wasn't notified earlier and the representative told me they were unsure, and that they send monthly statements. I never received these statements, I then asked them if this would show on my credit since the charges were from so long ago, I was told that it shouldn't effect me and that it wouldn't be reported since I was bringing my account current. Shortly after this I noticed that they had reduced my credit limit severely but I didn't think much of it since I rarely use the card.Then in XX/XX/XXXX I applied for a home loan and was informed that I had a derogatory remark on my credit from XXXX XXXX in XX/XX/XXXX. I immediately knew what it was from, I've been in contact with XX/XX/XXXX and they insist that there is nothing I can do to remedy this situation other than for me to file a dispute with the credit bureau. I've asked repeatedly for a letter of deletion and they refuse to write one, but they were willing to notate the account stating that if the credit bureau contacted them, they would accept fault and allow the delinquency to be removed. Currently this issue is causing problems for me financially, and making it difficult to get approved for a favorable home loan.
Product: Credit reporting or other personal consumer reports

I'm here today to talk about my recent experience with a XXXX dealership. In XX/XX/2023, I went to a XXXX dealership to lease a car in my own name. The dealer asked me if my credit was good enough and I showed him my bank 's credit score report. He said that I would definitely be approved for a lease in my company 's, due to my high XXXX credit score. 
Unfortunately, a few months later, I noticed that the dealership had made a couple of hard inquiries on my credit report without my consent. This was completely unnecessary, as I had already shown them my credit report from my bank. It's important to be aware of any hard inquiries that have been made without your authorization. 
and it was done on two different dates ( see attachments )
Product: Credit reporting or other personal consumer reports

My issue is with XXXX, XXXX, and Experian with a car loan company, XXXX XXXX in which each company reports lates since XX/XX/XXXX. As this is untrue, I have been paying the loan every month. Last XXXX and XXXX of XXXX I missed a payment due to unemployment. Instead of those 2 months only showing as late, XXXX, XXXX, and Experian report from XXXX to present day as late every month when that is false. This is keeping me from getting a mortgage as a veteran. XXXX XXXX has even been paid by me for those 2 months of XXXX and XX/XX/XXXX. I will attach proof from my banking institution XXXX XXXX XXXX XXXX. 
In accordance with the Fair Credit Reporting Act this creditor, XXXX XXXX, and XXXX, XXXX, and Experian have violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose. 

Also, I have attached proof of the payment to cover those Only 2 months late. I even have attached proof from XXXX XXXX that show I even made XXXX payments in XXXX. 

I am tired of being denied credit and having my rights violated. As a veteran, I should be treated fairly, as should anyone any consumer any American.
Product: Prepaid card

I am a rushcard consumer and my balance says XXXX I had direct deposit to this card. My lights and gas were disconnected because the day I was supposed to pay it my money went missing. I have been sending them messages, calling, and tweeting them to no avail. I need my money. How am I supposed to live. I call and get hung up on. Or they tell me that they are doing the best that they can. I have a child to take care of. XXXX rep told me that my money is safe with them so do n't worry. If anyone could help it would be greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a XXXX XXXX XXXX XXXX with XXXX XXXX XXXX. On XX/XX/2016, I noticed an error on my payment history and it was not resolved until XX/XX/2016.I just check my credit report and it is showing as a negative mark on my credit. I have called the credit card company and they show my account was paid and is good standing but the late payment errors are still showing up on my credit report. I have paid this card off fully as agreed to by the credit card company but when I just checked my credit report this is showing as having 90 days past due in XX/XX/2016. This is affecting my credit and I would like this resolved immediately. I called XXXX XXXX XXXX  at XXXX and they said that it was an error and there records show that I am in good standing but they can not help me resolve it. They told me to contact the credit bureaus to have them adjust it. So basically they have been no help in resolving this issue.
Product: Credit card or prepaid card

Charging privileges suspended by American Express. Absolutely NO warning, and no explanation. Account fully current with no balance due. NO explanation given. 30 year customer. When I call American Express, they can not understand why this has been done and advise me I " will be called back '' when they figure out the issue. It has been 6 weeks and I have received NO response. This card is FULLY current., no balance is owed and they appear to have taken away thousands of awards points without explanation.
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint regarding the continuous re-aging of an account previously held by a creditor and subsequently sold to a collection agency. This account has been inaccurately re-aged multiple times over the years, unfairly extending its reporting timeline on my credit report. 

The most recent date listed on this account is XX/XX/year>. However, prior to that, the account had been re-aged each year, artificially extending the reporting period. By law, negative accounts must be removed from credit reports seven years after the original date of first delinquency. Based on the account 's original date, it should have been removed from my credit report three years ago. 

I have contacted all three credit bureaus ( Experian, XXXX, and XXXX ) multiple times, disputing this inaccurate reporting. Although the bureaus conducted investigations, they never provided a satisfactory resolution. I also directly reached out to the original creditor, but they informed me that the account was sold to a collection agency. The collection agency now continues the unlawful practice of re-aging the account.

I request the CFPBs assistance in : 1. Investigating the continuous re-aging of this account by the collection agency.

2. Ensuring compliance with the Fair Credit Reporting Act ( FCRA ), which prohibits the reporting of negative information beyond seven years from the original date of first delinquency.

3. Addressing the credit bureaus ' failure to provide a proper resolution to my disputes.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. XXXX XXXX XXXX Account # XXXX **** violated my Federal protective consumer rights to privacy and confidentiality under 15 USC 1681.

According to 15 U.S.C 1681 section 602 A. States I have the right to privacy
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters out certified over 60 days ago and have not been notified. I feel like these clowns are taking advantage of the normal hard working people. These negative items have cause life to be a lot harder for me. I would like these unknown items removed as soon as possible.
Product: Credit card

I've consistently maintained prompt payments on this account, ensuring they never fall behind schedule. I'm uncertain about the rationale behind the late payment remarks on my accounts. Referring to 15 USC 1666b - Billing Error, corrections should be made.
Product: Student loan

I believe Mohela has mishandled my student loans and my IDR request. I submitted a request for loan consolidation on XX/XX/2023 which included a request for the PAYE plan. The consolidation has gone through, however the IDR request is still pending. I called Mohela in XXXX regarding my pending request and I was placed on an administrative forbearance to allow this to get processed. Since then, I have been placed on the level plan and I am still waiting for my IDR plan to get processed. My monthly payment is astronomical compared to my anticipated IDR payment plan. I have since called and message Mohela in XXXX to still have no updates. Now I have a payment of {$1900.00} a month and it is showing I am past due over {$5800.00}.