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

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number:XXXX Account Name XXXX XXXX  Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXXXXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

My HELOC was transferred to BSI in Pennsylvania in XX/XX/XXXX, they always messed up my payments, and recently I just called to get my rate information, to no avail. My loan is now transferred to another company. 
I need my rate information, as I feel they might have put it in wrong, and at 2.25 %, with all the payments I have made, my loan should have gone down substantially, which it has not. 
I have not been on top of this, as I have been taking care of XXXX friends who have XXXX, and the past XXXX years have gone by so fast. I just caught up with everything, and I noticed that the information they sent to the new company is off by 1 %, so I need to get the correct information from BSI. 
BSI sent me a print out, which I ca n't make heads or tails out of, and I have been in XXXX for over XXXX years. They seem like they are quite backwards as far as their computer system. 
I want to make sure they have the correct rate information, as my rate is always 1 % lower that the prime rate in the XXXX XXXX XXXX. I have made many payments over the monthly payments, which should have been going to principal, so I do n't understand how at the rate I am, that my HELOC has not really gone down. 
I would appreciate any help, as this is just snowballing, as BSI has sent out the wrong loan information to the new company XXXX XXXX XXXX in XXXX California. They have my rate as XXXX, and as indicated by the FDIC, which took over the bank I originally had the loan with, my rate will always be prime minus 1 %. 
I am asking for help in this matter, a $ XXXX loan that I started with in XX/XX/XXXX, should not be $ XXXX, I have made payments above the minimum payment, and always to principal. 
Thank you, XXXX XXXX
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 these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts 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 accounts below : XXXX XXXX XXXX XXXX Balance Owed : {$11000.00} ; XXXX  XXXX Balance Owed : {$0.00}
Product: Bank account or service

On XXXX XXXX, 2016, I logged into my Bank of America checking account ( of over 10 years ) to see a pending debit of $ XXXX. I have never bounced a check, missed a payment, overdraft, so I called and contacted the Customer Service Department upon which I was n't given any information but that a fraud investigator will be assigned within 24hours and will contact me. Since that day I have not received any call or mail whatsoever from BoA however I do call BoA just about everyday but still all I get is the runaround from different their various departments that I am transferred to. Finally on the XXXX XXXX after yet another call to BoA Fraud Department, I was told my account was being closed and a check with my account funds was being mailed out the next day and that BoA has a right to close my account without given a reason per the depositors agreement when account was opened. 
While I understand this agreement, I do n't understand why as of today XXXX XXXX ( another 2weeks ), a check has still not be mailed to me. I keep calling BoA Risk Account Department as advised as well as their Executive Customer Relations Department and they claim they are looking into it but still I have n't received any check yet nor any correspondence yet. The XXXX tracking number ( XXXX ) they had initially provided upon tracking shows that the check was never even given to XXXX in the first place even though a label was created! 
I really need my funds from my BoA account urgently, as I need to but medications for my mother who is recovering from a XXXX and also need to pay for her XXXX. I also need my funds to pay my bills due as well as for some other financial obligations. 
Its been more the 3 weeks since BoA held my account without reason or any communications to me. The investigator assigned who I later got to know her name and number as never called me nor return any of my calls. I even went to her office on the XXXX of XXXX and she would n't see me but was told to go to a banking center which again I did at XXXX XXXX XXXX XXXX, XXXX, IL but was again not given any information but that they I should wait for check correspondence from them. But still I have n't received any check. 
I believe its unfair and inconsiderate practices to close a customer 's account at the bank 's discretion yet hold on to the customer total funds for more that 3 weeks without return it nor providing any information. This as caused hardship for me and my family. and really saddens me.
Product: Credit reporting or other personal consumer reports

EQUIFAX HAS REMOVED ACCOUNTS THAT THE WERE PREVIOUSLY REPORTING WHICH HAS HURT MY CREDIT SCORE. AS A CONSUMER I HAVE TO A RIGHT TO REPORT ACCOUNTS WHICH I DEMONSTRATED POSITIVE HISTORY ON. I SHOWS MY TRU WORTHYNESS. THESE ACCOUNTS ARE LISTED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX IT IS MY RIGHT TO HAVE THESE ACCOUNTS REPORTED ACCURATELY.
Product: Credit card or prepaid card

I got an alert that a new inquiry was made, from my credit reporting service, credit sesame. I also got an email from the company in question saying my application was denied. Both the inquiry and email are dated XX/XX/2022. I did NOT apply for this card and I've tried calling them and you are placed on hold, l finally got someone on the phone who refused to transfer me to their fraud department and told me it would take 5-7 days before they even send me paperwork to open a fraud investigation. This is utterly unacceptable. I managed to use my email was was used during this fraud attempt - and found the address which is in New Jersey ( screenshot attached ) The inquiry was reported by XXXX. Upon reading comments on the XXXX XXXX XXXX  website - I have seen multiple complaints that match mine in nature. 

The company information is Inquiry date : XX/XX/2022 Account : XXXX XXXX  Type : Finance/Personal Creditor Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL, XXXX Phone number ( XXXX ) XXXX Once again, I DID NOT apply for this card at all.
Product: Credit card

I have XXXX accounts with synchrony bank. 
XXXX for a sewing machine purchase and XXXX for Sam 's Club. 
in the last month I have tried daily to sign into the website to make a payment. The site continues to say it is having problems when I sign in. I have tried calling the number on both cards and only get a telco intercept with a long and complicated phone tree. Twice in the past week I have attempted to contact through the website by filling out surveys, surveys because there is no e-mail address available. 
In the past I have made a payment through my bank and bill pay. It shows up as having received the payment transfer but does not show up as a payment made and there is a service fee charged for a late payment. 
Payments show as paid only if paid using their website. My web browser is up to date on its operating system. 
In searching the the internet for possible solutions it is noted that there are multiple people who are having the same problem after a certain number of months, and paying additional fees.
Product: Credit reporting or other personal consumer reports

Previously, I made an investigation about these accounts with incorrect information and after checking your responses, I recognized that the same accounts are still incorrect, with a confirmed status. Please correct the following accounts listed below 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

EQUIFAX, XXXX AND XXXX XXXX HAS SOME ITEMS ON MY CREDIT REPORTS THEY REFUSE TO REMOVE/DELETE.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent Equifax and XXXX  a dispute letter on XX/XX/2020 regarding XXXX accounts on my credit report. Today is XX/XX/2020 and I have yet to hear a response to the investigation. Under federal law, they have thirty 30 days to complete their investigation and it has been well over 30 days. According to the FCRA, a credit bureau is required to respond within 30. If they do not respond within this time frame, they must remove the negative listing disputed. If they do not they are in violation of the FCRA.
Product: Debt collection

I took out a title loan with Check into Cash on XX/XX/XXXX. Since then, they have been contacting me excessively, even throughout the pandemic. They call me everyday and send me texts messages often. The last text message was sent yesterday, XXXX. They have also sent me emails starting on XX/XX/XXXX. The last email was sent Friday XX/XX/XXXX and they stated that I owe {$4500.00} which is a violation of 15 USC 1692. They also told me a different amount of around {$3500.00} when I spoke to them over the phone. I've sent a debt validation letter, cease and desist, and affidavit of truth, along with an invoice for the violations listed in the affidavit via certified mail.
Product: Debt collection

I seen that the company Sentry recovery and collections had reported an amount for {$2300.00} on my credit report with original creditors being XXXX XXXX XXXX. I called the veterinarian office and they stated that it was only {$120.00} not that outrageous amount which was still over the original {$2100.00} emergency XXXXXXXX total bill amount. I'd already paid all but the {$120.00} because I had caught XXXX that hit me hard. I called sentry recovery and collections and spoke with XXXX XXXX. I informed him that I had contacted the original creditor, and they had told me that the bill is only {$120.00}. He refused to verify the accuracy of the amount owed when had attempted to ask him to verify it, instead he became very rude and stated that I needed to provide proof from 2 years ago and would not investigate the inaccuracies.
Product: Credit reporting or other personal consumer reports

I MAILED OFF MY CHALLENGE LETTERS TO VALIDATE DEBT OWED AND INQUIRIES, AND WAS NOT NOTIFIED OF INCORRECT INFO ON MY REPORT. 

I MAILED OFF LETTERS ON XX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

I Am A natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is governed by 15 USC 1681. and they violated my rights numerous times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

Account name : XXXX XXXX XXXX ACCOUNT NUMBER XXXX xxxxxx Account name : XXXX XXXX XXXX  Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX  Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX. Account number : XXXX Account name : XXXX BANK XXXX Account number : XXXX Account name : XXXX Account number : XXXX
Product: Credit card

On XX/XX/XXXX I received the attached letter stating that I would need a subpoena to receive notification that my limits had been decreased. This is highly unusual. I am formally requesting proof that I was notified about the reduction of my credit limit on my Credit cards account ending in XXXX, and XXXX. 

Under the Credit CARD Act of 2009 ( 15 U.S.C. 1665c ), credit card companies must provide advance written notice of significant credit limit reductions. I was informed that your company previously could not provide proof of such a notice but now claims it was sent electronically. 

I have been told that I need a subpoena to obtain this information, which is highly unusual. Please provide a written explanation stating the legal basis for requiring a subpoena to access my own account notifications. 

The exact date and method of notification ( email, online message center, mail, etc. ). 
A copy of the notice that was allegedly sent. 
Proof that I accessed or received the electronic notification ( such as email logs or delivery confirmation ). 
If you refuse to provide this information without a subpoena, I will escalate my complaint to the Federal Trade Commission ( FTC ), and my state Attorney Generals Office. 

Please respond in writing within 10 business days.
Product: Credit reporting or other personal consumer reports

My account with XXXX & XXXX XXXX  was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment reported in XXXX  days to be removed. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 


XXXX & XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I noticed these accounts on my credit report they are not mine and do not refelct my true credit worthiness please remove them 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

A detailed look at my credit report I found that the reported balances are inaccurately reporting {$22000.00} ( XXXX  ), {$22000.00} ( XXXX  ), {$14000.00} ( XXXX  ) when I reviewed the information presented reflects that The original balance was XXXX. The deficiency balance was reported as {$7300.00} but on the account statement it reflects that the balance is {$5200.00}. Clearly the reporting is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In the past week, I've tried to get the three free credit reports that have been heavily promoted. XXXX provided an immediate report online, no problem. 

For the past week, Experian has said they could not provide a free credit report at this time. XXXX  wants to torture requestors by making us fill out an online form and then require a mail-in form instead. Clearly, Experian and XXXX  are trying to complicate or circumvent the free credit report requirement.
Product: Money transfer, virtual currency, or money service

On XX/XX/year>XXXX  someone was able to hack into many of my accounts. It started with getting into my XXXX XXXX account where they switched my phone out to another one so that I would be locked out of my accounts. They got into two of my XXXXXXXX XXXX XXXX  and attempted to make large purchases but the fraud protection on the cards worked well. The hacker then went into my Bank Of America account that Ive had for 18 years. They transferred money from my savings to my checking then proceeded to send someone by the name XXXX XXXX phone number XXXX a XXXX XXXX of {$830.00} As soon as I got back into my phone, by having to go out to the store. I learned of what was going on because I started getting alerts. I contacted Bank of America to let them know what had happened and to make a fraud claim, reported it. I did all the steps they told me to do by opening a new account and the hassle of all that comes with that. and then a few days later I received a letter stating they are denying my claim. 18 years Ive been with them never a problem then they basically call me a liar
Product: Debt collection

I previously reported this debt collection agency. They responded and stated they do not have to provide a purchase agreement. Another letter was sent to National Credit, informing them to send a purchase agreement and debt validation document. This company is a debt collector and they did not provide any of this information. I want the debt removed from my credit file.
Product: Credit reporting or other personal consumer reports

Dear Transunion, my information was misused in XXXX data breach. The following inquiries should be removed due to fraud. Please remove them as soon as possible.
Product: Credit reporting or other personal consumer reports

I am filing this complaint because TransUnion has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day threshold and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to properly delete all information which can not be verified. that I have disputed. Please resolve this matter as soon as possible. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

its says I have a credit card witch is not mine and I do not have it is from XXXX  XXXX says the balance is XXXX and the credit limit is only XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent my letter on XX/XX/XXXX XXXX i told the credit Bureaus to investigate the Inaccurate information on the accounts i have listed below. I Also have the letter attached with the tracking number. 

According to the FCRA the term " Investigate consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

They stated my account was verified as accurate how is that possible if i have proof they did not do a proper investigation according to the law. Also these accounts are still reporting inaccurate information. According to the FRCA 15 USC 1681 everything must be 100 % accurate. the reseller determines that the item of information is incomplete or inaccurate as a result of an act or omission of the reseller, not later than 20 days after receiving the notice, correct the information in the consumer report or delete it
Product: Checking or savings account

My father ( an XXXX XXXX  ) and I opened an account with US Bank, my father chose to leave it opened for many years without activity. This week we got an statement saying that the account was closed and the founds we had there were gone. We opened the account under a XXXX XXXX Checking that was offered to him as no fees for any reason. Furthermore, on XX/XX/2017 we received a letter saying that we needed to sign and mail a " Account Acknowledgment '' to prevent the account from accruing {$5.00} per month dormancy fee, I personally completed and sent the form ; at that time the account had a balance of {$91.00}. 
In the letter received this week money is all gone and account is closed. US Bank has had our current address and phone number at all time. Called customer service and a XXXX said there is nothing US Bank can do about this at this point. 
My father and I are very much alive and we want our money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS & UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THIS ACCOUNT? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified.

Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are wilful noncomplying with the FCRA.

Since you CLAIM TO HAVE VERIFIED THIS ACCOUNT BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO " UPDATE/REPAIR '' THE FOLLOWING ACCOUNT. 

Please update this account, or inaccurate information, from my file immediately & send me the results to the address listed XXXX XXXXXXXX Date Opened : XX/XX/2020 Balance : {$360000.00} - I was never late... the bank made an error with my address and sent the statement to the wrong address. They said they would remove the negativity. Please remove negativity... please check account is not untimely, unverifiable, incomplete or inaccurate.