23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN, XXXX and XXXX both have already " updated '' and " verified '' all the previous accounts that I have submitted in XXXX ( CFPB ) Complaint. I expressed my concerns about my rights to " fair '' and accurate reporting and they changed absolutely nothing and updated only remarks which have little nothing to do with specific details that hugely affect your account like : Date opened, current status, accurate balances on all XXXX bureaus or accurate account balance initially etc. 
It is a clear violation of my consumer Rights and my Fair Credit Act Reporting Rights to continue to report these accounts inaccurately. Please see attachment where I have uploaded XXXX bureaus and their inaccuracies.
Product: Mortgage

XXXX XXXX with Rocket Mortgage lied about fees and used predatory lending to try to secure the loan. He is under suspicion for delaying my loan by cancelling the appraisal because of my veteran status, which is against ethics.
Product: Credit reporting or other personal consumer reports

I am a long-standing customer of XXXX XXXX XXXXXXXX XXXX and I have always appreciated the good value and services I have received from XXXX XXXX XXXX I recently reviewing my annual credit report. I was surprised to see a late payment show history I have a perfect record of paying on time. 
I've sent a complain about this inaccurate information to Experian credit bureau and they it's been more than 30 days now and the problem have not been solved while XXXX XXXX has updated it already. I would like Experian credit agency to update my full report credit score, late payment, addresses, name phone number etc...
Product: Debt collection

I.C.Systems Inc- Date reported XX/XX/2021 in the amount of {XXXX} To whom this may concern : You have added a fraudulent collection account on my credit report and I need answers immediately and send debt validation or delete it immediately. 

Im requesting validation of debt with proof of a contract bearing my signature. As of now, you have failed to do so. To report this account is illegal when disputed. 

I.C.Systems Inc- Date reported XX/XX/2021 in the amount of $ XXXX DELETE IMMEDIATELY Please provide all paperwork or proof. If not, delete account from the credit bureaus. 

Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX
Product: Checking or savings account

I went to a atm to withdrawal money the atm told me there was a error and I couldnt withdraw funds the funds still left my bank account and the bank is refusing to issue a refund as they are saying I have to money from the atm the amount was XXXX dollars I pulled XXXX prior to this attempt the XXXX was successful the XXXX said I had reach my withdrawal limit
Product: Checking or savings account

I received a letter from Suntrust 3 weeks ago, around XX/XX/XXXX or XX/XX/XXXX. They stated they were closing my checking & savings account on XX/XX/XXXX. In the meantime, I called to ask why and was not told a specific reason. Just for me to go online on their website and read the rules & regulations section, it was a long list so the rep said read since its too long to read over the phone. The rep also told me my account is frozen, mo closed yet so I could visit my branch and close in person. No other information given when I got the letter/called that night. 
I was sick with flu 2 times, first being when I called the first time. So I had to wait 2 days later to visit my bank branch to go ahead and just close. Not feeling well, but I needed my money to pay bills immediately. All of my auto-pay bills were scheduled already. I was told in XXXX county ( XXXX XXXX/XXXX, Tn ) that I cant close my account. I was given a Suntrust Fraud Department phone number and told I can find a check mailed to me in about 45 days, as their procedure. Again, no information was given as to why this happened. 
Ive been a customer 7+ years, with no issues, no debt. I had fraudulent activity on my checking account, ongoing charges from XXXX the past 2 months which I disputed and Suntrust quickly refunded these small purchases. Also before I knew of my account being closed, I had requested a new debit card after I was charged {$100.00} from an unknown gas/convenient store ( XXXX ). I got my new card and unable to even use it as shortly after I activated it, it was frozen. 
This has caused extreme turmoil in my debts to creditors, time and anguish situating a new bank. I have XXXX Income, XXXX grown kids with my obligations to their bills as well. Ive had to take time off my part-time self-employed business to take care of this unnecessary hassle. 
I submitted a XXXX XXXX XXXX report 2 weeks ago, but they quickly closed it without a resolution and none of my funds & no explanation given to me, again. Suntrust was responsible to call me to follow up and mediate the situation and never did. 
I was sick, again, last week and yet I called Suntrust Fraud Department back, to get the status. Again, no further information as to why they closed my account was given. I have still been sorting my new bank information so I can finally pay all of my bills today, which took 3 hours. Totally beyond frustrated with this outcome, it isnt right. So Truist still has $ XXXX of my money, without me being able to access it. I owe NO debts to this bank for them to be reviewing my account. It should not take 3-4 weeks to review when Ive done nothing wrong. Let alone, hold my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my credit report through a credit reporting agency specified as XXXX XXXX states that my Transunion  score has lowered 52 points due to XXXX XXXX onXX/XX/2020
Product: Credit reporting, credit repair services, or other personal consumer reports

World Finance acct # XXXX charged off closed account with two different balances {$880.00} and {$1500.00} last reported XX/XX/XXXX opened XX/XX/XXXX last activity XX/XX/XXXX paid on time XX/XX/XXXX. Its reporting all of the above on my credit file. On XX/XX/XXXX I reached out to XXXX in regards to a fraudulent charge off on my account. Due to me receiving a alert from my credit monitoring service that a remark was added and when I pulled my report no remark was there and the reinvestigation was no longer on my file. XXXX closed the dispute without sending the debt validation I requested. World finance didnt send the debt validation documentation either. I spoke with 2 agents and a XXXX by the name of XXXX XXXX # XXXX and they all had different stories. The first agent hung up on my face when I asked where the debt validation was that I requested months ago. She stated the account was under reinvestigation and it was a validation as well. I told her it cant be validated and under investigation at the same time. I asked her to send me the documentation she claimed she couldnt open the validation and she hung up in my face. When I called back and requested a XXXX I asked the guy to look for the validation and he stated there wasnt one. He then stated he seen I requested for the dispute to be closed today XX/XX/XXXX and I informed him that was a lie I called for the validation today since its been months and XXXX has yet to respond. I was then transferred over to XXXX the XXXX and she stated she didnt have to give me the debt validation paperwork. I informed her that by law she had to validate the debt and she couldnt. Ive reported XXXX and World Finance to every outlet due to them violating my consumer rights and now have retained an attorney due to the Texas Statute limitations law of 4 yrs this account is exactly 4 yrs and 2 months old and Ive fought it the entire 4 yrs its been on my credit file. Under the Texas debt collection act and FDCPA XXXX and world finance has broken a number of consumer laws and I will be moving forward with my XXXX because they refuse to validate this fraudulent account. They are refusing because theres nothing to validate!! Legal action has been submitted through my lawyer office!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax waited an unacceptably long amount of time before notifying the public of their failure to secure my personal information and the personal information of many others. 

Equifax did not reach out to the affected users despite knowing already who has been affected. 

A credit freeze should be free but especially in this instance where many people 's credit has been put at risk by the very company who charges the fee.
Product: Credit reporting or other personal consumer reports

Subject : Report of Data Privacy Breach Dear CFPB Administers, I am writing to formally bring to your attention a serious data breach incident that has resulted in a significant violation of my personal privacy. 

In XX/XX/year>, I became aware that in XXXX of XXXX  ( MODB : Mother of All Data Breaches ) my personal data, including but not limited to my full name, Social Security Number, bank account information, and other sensitive financial data, was compromised due to a breach at XXXX. This breach has caused me substantial distress and put me at risk of identity theft and other malicious activities. 

Despite contacting the companies on my credit files, to address this issue, their response has been inadequate and has not assured me that appropriate measures are being taken to mitigate the impact of this breach and to prevent future occurrences. More importantly, I have not received sufficient information regarding the scope of the breach and the specific personal data that has been compromised. 

I respectfully request the Consumer Financial Protection Bureau to investigate this matter thoroughly. It is crucial for the protection of consumers ' rights that entities handling sensitive data adhere to strict data security measures and provide timely, transparent communication to affected individuals in the event of a breach. 

Thank you for your prompt attention to this significant issue. I look forward to your assistance in resolving this matter and ensuring that appropriate safeguards are enforced to protect consumers ' personal data.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I have a credit card with Barclay Bank US. They will not agree to reduce the overall interest rate on the card and refuse to agree to partner with XXXX on a debt management program for me. They refuse on the basis that a very small balance of the total money owed is on a reduced interest rate although greater than XXXX % of the money owed is at a interest rate of greater than XXXX % on an annualized basis. When I try to call customer service to discuss the issue my call goes into a call center where I 'm told there is no one there who has the authority to negotiate with me. I then have asked how can I talk to someone who can, and I 'm told that no one knows. The amount total amount owed at this time is approximately {$21000.00}.
Product: Credit reporting or other personal consumer reports

Acct Name : XXXX Acct # : XXXX To Whom It May Concern : I recently received a copy of my ( Experian, XXXX or XXXX ) credit report, and I noticed some Transactions posted on my credit report that is excluded my federal laws to my consumer reports! 
XXXX account number XXXX Your company is in violation of the FCRA and Metro2 Compliance and reporting violation.

15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

On 07/2022 and 07/2023 you reported transactions from account # 6035350230963675 to my consumer report. The above section 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the person/ Corporation making the report is not included on the consumer reports yet you are reporting this information to my consumer reports! 
The reporting of excluded information pursuant 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) to a consumer report is Clear violation of Metro2 compliance!

Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. 

I need the transactions reported on XX/XX/XXXX and XX/XX/XXXX Deleted from my consumer reports effective immediately. Now before you think to reply with validated, letters be clear I am not asking you to validate or verify anything so dont respond telling me that to waste my time!

Furthermore 15 USC 1666b ( a ) ( 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
Product: Credit reporting or other personal consumer reports

XXXX continues to report a collection to my credit each month. XXXX wrongfully billed us for full monthly service on our condo in XXXX  Each year we go back home and place the service on seasonal, which we did, however XXXX continued to billed us the full monthly rate. We explained to them that the charge was incorrect and they insisted on charging the full rate. 

After a period of time XXXX placed a derogatory on my credit report. I was infuriated not so much about the wrongful money charges, but the principal of them charging me something that is not mine and crediting trouble on my credit reporting. 

I then hired a company to repair this error. After approximately 9 months the account in question was resolved and the bureaus XXXX, XXXX and Equifax all deleted it from my credit report. Yet it is now showing up re-reporting under a different name in error. 

I have tried to rectify this with XXXX and the bureaus and they have been unwilling to investigate or correct the error. This is very upsetting and should be illegal.
Product: Credit reporting, credit repair services, 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 U.S.C 1681. 
XXXXXXXX XXXX account # XXXX, has violated my rights. 
XXXX XXXX XXXX account # XXXX, has violated my rights. 
XXXX  XXXX account # XXXX, has violated my rights. 
XXXX XXXXXXXX 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.

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. 16815-2 ( 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: Debt collection

The company requested personal information for a debt that I was sued for over 15 years ago. I was sent some type of certified letter from the company but received it too late. On XX/XX/2023 my wages were garnished. I had tried to contact the company but their representative hung up on me and would not give me any information. I was not given any information about the debt as the statute of limitation for them being able to garnish me should have expired.
Product: Checking or savings account

On XX/XX/2023 I attempted to deposit some cash at a Bank of America, ATM, and the machine told me that my card could not be used. So I called the bank, and they informed me that my account had been closed due to a business decision. They refused to give me any other reason, and after I spoke with a supervisor, he informed me that in their terms and conditions they were allowed to close any account for any reason. I asked him did I break the terms and conditions or something and he said that I had not however, they were still closing my account, and will not be able to open me a new account ever again. I am completely confused, because I did not do anything wrong, he even told me that I didnt do anything wrong, yet they are just closing my account, for no provided reason. I am starting to feel like I am being discriminated against, because they have just closed my account without any reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

An account with XXXX was charged off and sent to a credit collection agency that has been removed from all credit agencies, they are reporting it every month as late payments. I need this mistake removed from my credit report.
Product: Payday loan, title loan, or personal loan

The NAVY FEDERAL CREDIT UNION is advertising helping during this Pandemic by giving personal loans to help their members through the Pandemic crisis, however, when you apply its a regular loan application and naturally, theres only selective members that get approved. I have owned for home in the XXXX for several years but can't use it as collateral because there are no credit bureaus here with which to report it. And I was told by three banks here that they do no business with American Credit Bureaus, so what is a person to do? I have three direct deposits every month with Navy Federal, VA XXXX, Social Security Retirement and an Annuity from the Federal Government so there should be no question of my ability to repay a small loan. I think its somewhat discriminating for them to approve some people when they boast about helping Veterans when this is a untrue statement. They should say they help Veterans if you are already well off.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fact, XXXX XXXX is willfully in violation of FAIR DEBT COLLECTIONS PRACTICES ACT VIOLATIONS pursuant to 15 U.S.C. 1692a. Fact, XXXX XXXX is willfully in violation of title 15 U.S.C. 1692b ( ( 2 ). Fact, XXXX XXXX is willfully in violation of title 15 U.S.C. 1692b ( ( 5 ). Fact, XXXX XXXX is willfully in violation of title 15 U.S.C. 1692c ( ( a ). Fact, XXXX XXXX is willfully in violation of title 15 U.S.C. 1692c ( ( b ). Fact, XXXX XXXX is willfully in violation of title 15 U.S.C. 1692d ( ( 2 ). Fact, XXXX XXXX is willfully in violation of title 15 U.S.C. 1692d ( ( 5 ). Fact, XXXX XXXX is willfully in violation of title 15 U.S.C. 1692e ( 2 ). Fact, XXXX XXXX is willfully in violation of 15 U.S.C. 1692e ( ( 12 ). Fact, XXXX XXXX is willfully in violation of title 15 U.S.C. 1692j ( ( a ). Fact, XXXX XXXX is willfully in violation of title 15 U.S.C. 1692j ( ( b ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX   XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, US DEPT OF ED  XXXX Company Inquiries : XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX US SM BUS ADMIN ODA XXXX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, On XX/XX/XXXX, I tried to call the Transunion Credit Agency to advise of inquiries that I did not recognize. There were plenty of inquiries. I asked for them to be removed and have written letters as well. I continue to get horrible customer service and no one is willing to help me. These are negatively affecting me in the time of my need. Can some please help me remove these inquiries.
Product: Checking or savings account

BOA charges an initial overdraft fee of {$35.00} & then charges the same fee again & lists as an extended overdraft charge. If you call them to have this fee waived they either refuse or will only do it once every 6 months. I recently connected my BOA to my  XXXX  checking account to be able to make transfers.  XXXX  deposited less then {$1.00} twice & then pull ed one of the deposits back, BOA tho ught it was well within thier right to charge me another {$35.00} fee. They have also charged me {$5.00} fee to replace the debit card they issued to me when the chip no longer worked. How the  XXXX  are you going to charge me for a defective card you issued me?! In order to get them to rectify the issues you have been subjected to you have to  XXXX  near threaten them within an inch of thier life. Consumers do n't deserve this when it 's thier money they earned. I 'm the sole breadwinner in my household & every penny counts & to watch this POS bank take it & then argue with me over fixing the issue is absurd.
Product: Payday loan, title loan, or personal loan

XXXX financed {$75000.00} for a {$140000.00} Solar project.. we were told it was a low interest government loan... Mosaic charges ... 5.24 % ..interest.,,. we were dual financed XXXX Mosaic and XXXX XXXX XXXX XXXX XXXX charged XXXX XXXX XXXX a {$70000.00} loan ... the convicted felon Installer ... yes ... convicted of Fraud and Forgery..dual financed us..which broke His contract with XXXX... they canceled it after XXXX phone call and showing proof ... Mosaic refuses to help... even though they were sent proof and a link to a XXXX page solar report.., detailing how the system is completely DEAD.., full of huge installation errors... and poses a risk for serious injury or XXXX ... we informed them over XXXX times ... our system was never finished ... never connected.., they have reported us for late payments ... harassed us with collecting calls.., and will put a lein on our house..all while supporting the convicted felon installer ... who lies ... the interest rate they are charging us .., is outrageous... it was represented to my XXXX and I as LOW INTEREST GOVERNMENT MONEY ... in my opinion.., Mosaic XXXX running a loan shark company ... that's how badly I feel they have acted ... totally in bad faith...
Product: Checking or savings account

On XX/XX/XXXX at about XXXX Eastern, I stopped into the XXXX XXXX branch of Suntrust to deposit loose change that had been collecting over the last year. The teller advised that they do not have a change counter and refused to accept my coins. The teller further advised me to go to a local grocery store to have it converted into dollars. Later the same day, I called Suntrust to discuss the matter with them and to look for an alternative branch ; however, they informed me that it is their policy to only accept rolled coins and they would be of no further service to me.
Product: Checking or savings account

I opened a Merrill broker account at a BofA branch as they had a {$1000.00} cash promotion ( if you bring in {$250000.00} new asset to the account ). My account number is XXXX. 

In XX/XX/2022, I have transferred funds into the new account and, based on the statement closed on XX/XX/2022, the total " XXXX XXXX XXXX '' was {$250000.00}. 

However, I have never been rewarded the {$1000.00} bonus. Instead, I only get {$400.00}.