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 Account Number : XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number: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: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute about XXXX XXXX XXXX and XXXX XXXX XXXX reporting on my credit report that is in violation of 15 U.S.C 1692g. These Agencies were to notify me 5 days prior, they did not. According to 15 U.S.C. 1602 As the original creditor, only I can validate these debts. I do not validate these debts. Experian is also in violation of U.S.C. 1681 by stating that they verified the accounts. Only the Original Creditor can do that, as stated above I do not so how did they verify these accounts?
Product: Credit reporting or other personal consumer reports

Innovis is reporting an allege late payment from the account XXXX. I have received no evidence that this is correct and Innovis can not verify this information either because they don not have access to my financial records.

( 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 21 days before the payment due date.

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.
Product: Debt collection

As an INJURED CONSUMER of currently unproven compliant and or valid misinformation, I DEMAND you remove immediately the claim ( s ) as related to the alleged delinquencies and claim of CHARGE-OFF/ COLLECTION and further ANY ASPECT OF ACCOUNT potentially injurious to me. Prove alleged derogatory reporting claim of CHARGE OFF/COLLECTION is fully true, correct, complete, timely, valid, physically verifiable by document testimony certifying all data of allegation ( s ), every notation, all aspects, dates and balances, payments and balance calculations, accounting and audits, Identifications and personal identifiers, pay statuses and source codes, all 426-characters of the mandatory correct and complete P6 statement with all of its trailing fragments, each of the sequential 386-pieces  of confirmation to collection, creditor classification code, collector class code ( if any ), and all aspects of requisite perfect reporting, mentioned or not INCLUDING TO THE MANDATORY PERFECT METRO 2 FORMAT REPORTING COMPLIANCES! Compliance of reporting and VALIDITY of claim ( s ) are MINIMUM MANDATORY CRITERIA to REPORT, NOT OPTIONAL. You MUST adhere to my state and the applicable federal reporting laws or else be subject to civil action and suitable penalties and or fines for your dereliction, willful in nature OR in IGNORANCE matters not! REMOVE any and all aspects of delinquency ( ies ) and or derogatory allegation ( s ) now to OBTAIN, RETAIN, or to return to reporting with legal standing in full accordance of requisite mandates of law, be them mentioned here or not! I DEMAND you do so TODAY, even HERE and NOW!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items 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
Product: Credit card

I consistently make on-time payments, of which I am certain. However, I am unsure why this company is reporting me as late in certain months, which should not be the case. According to USC 1666b, any billing errors should be rectified, or they will owe me {$1000.00} for each account reporting inaccurately.
Product: Credit reporting or other personal consumer reports

Account Name XXXX Account Number XXXX Account Type Charge Card Responsibility Individual Date Opened XX/XX/XXXX Status Paid, Closed/Never late. 
Status Updated XX/XX/XXXX I'm requesting they remove this account from my credit history. Not sure why this company continues to update my credit reporting to keep this on my credit report, but this account is resolved & pass the -statue of limitation- & counts under -time barred-. 

This " Status Updated XX/XX/XXXX '' DATE IS INCORRECT. They update the status and it continues to show on my report further damaging my credit reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I found out that my information was used for several student loans.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX I think not mine Due to IDENTITY THEFT ACCORDING TO FCRA 605B(15.u.s.c 1681-2) AM REQUSTING A DELETION  OF THIS ACCOUNT FROME TRANSUNION REPORTING AGENCY
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent the credit collection company numerous phone calls, emails, and written disputes. I have a collection reporting that is not mine for a XXXX account. I have a police report for the identity theft. I never lived in Virginia where this account was created. 
I included my lease where I resided in XXXX.
Product: Checking or savings account

As of XX/XX/2023 I am in discussion by e-mail with Seedfi. about closing an account that I have with them. They are telling me that when they close my account it could negatively effect my credit rating. I never borrowed money from them, they are holding my money in what I thought was a savings account linked to my XXXX debit account- but it's actually some type locked savings account, for the purpose of building credit. The account was too easy to set up via cell phone, and gave the appearance that it was just another XXXX account - a savings account to be exact. I've figured out over the last few months that its not a part of XXXX and the funds are not accessible. I want my money returned with no penalty. But I'm being told that my credit report could be impacted negatively, as if a threat to keep me from closing my account. They have no control over this?
Product: Credit card or prepaid card

I lost my XXXX XXXX debit card, so in the interim while waiting for the replacement card, I bought a prepaid card to pay bills online. I activated the card XX/XX/2021 with a {$300.00} balance and attempted to use it to pay bills online. It was declined. When I called NetSpend, they had me verify who I was but listing a number of previous addresses, ppl known or not known to me, and phone numbers. Once I did this, she told me the card was now active and ready to use. I attempted to use online a second time and the same thing happened. I called customer service again and was told I would have to do the same thing. When I explained that I had already done this, he then told me I would have to mail in documents proving who I am. DL, SS #, utility bill - everything anyone would need to use my personal information for identity theft. I asked why if I have a card that I put money on, do I have to jump through all these hoops to use it? He said it was the only way and the call was disconnected. The 3rd time I called I was told that the card could only be used in stores and not online. I attempted to do that and the card was declined. The 4th time I called I told them to cancel the card and just mail me a check for my money. He told me someone would call to verify my mailing address. That never happened so I wrote them an email on XX/XX/2021 explaining my situation and provided my mailing address for the refunded amount on the card which was still {$300.00}. They replied by email and told me to call customer service. It's a joke! They should not be allowed to keep my money and I want it back and them out of business. I'm sure I'm not the first person to complain about NetSpend pre-paid debit cards.
Product: Checking or savings account

On Thursday XX/XX/XXXX - I received a text message mentioning fraud in my account. I called the number, the scammers verified recent BofA transactions, and told me to go to a BofA branch to resolve this issue by withdrawing cash. 
I go to the XXXX branch as per the instruction of the scammer ( who I thought was BofA ) and requested to withdraw $ XXXX. Teller said the most I could withdrawal was $ XXXX. They gave me $ XXXX without any additional questions to avoid fraud/scams. 
I went to another branch in XXXX XXXX, pulled out ~ $ XXXX, again no checks and balances even when there was a withdrawal less than 30 minutes prior at a different branch for $ XXXX. No manager, no questions. 
I was told to deposit funds at a XXXX ATMs. Once I realized I made a huge mistake, went to the local policy ( XXXX ) who said that I've been the victim of a scam. 
My complaint is that none of the BofA employees, at multiple branches, took preventative measures nor any duty of care to confirm the intention for large withdrawals that are uncommon for me as I thought I was on the phone with BofA fraud department. 
My son who works in wealth management said that the BofA staff literally coached me, a vulnerable senior on how to get out of mandatory federal reporting requirements that would have prevented being a victim of fraud. Bank staff arent permitted to structure withdrawals in a way to avoid complying with this reporting. Not to mention I was displaying 'red flag ' signs I'd assume BofA employees are trained to look out for. This is especially concerning being a senior, and bank staff should have a duty of care to notice inconsistency in withdrawal pattern while being on the phone, and not one but two different branches failed to ask questions to prevent these situations. 
Given all XXXX and XXXXXXXX XXXX unfortunately present with the increase of scams and fraud nowadays, I would assume your tellers and managers complete training for? Is it common for a teller provide a customer $ XXXX at one branch and $ XXXX at another branch down the street without some manager override? My other bank said they would have noticed inconsistent patterns in my withdrawals, and they would have asked additional questions as all staff are trained to look out for my targeted demographic ( XXXX ). 
On Friday XX/XX/XXXX I tell my son who has me call BofA to flag my account, they did and said to go into a branch to talk to the manager to further resolve. We go into the branch on Saturday XX/XX/XXXX and wait 2 hours to talk to a banker who cant do more. 
To top all this off - after waiting 2 hours to talk to a banker who couldn't do anything, she ( XXXX XXXX ) was disrespectful and rude. We told her what happened and she laughed and said, " you didn't know that this is a scam?! '' After being scammed for $ XXXX, feeling embarrassment and shame, and waiting for nothing this is the level of professionalism and response we get? 
The manager has told my son 2x that he cant do anything and I need to call the fraud department which I thought I called, and they filed a claim with as well. Any help is greatly appreciated!
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2020, I mailed experian a letter requesting that they verify inaccurate accounts listed on my credit report by their company. I received no response so on XX/XX/2020, I mailed them another letter notifying them that I still hadn't received a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit card from XXXX XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXXXXXX XXXX  and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting XXXX, Equifax, XXXX, and XXXX XXXX with no successful resolution. Equifax, and XXXX reporting me 30 days late in XX/XX/2021. There was an error on their part. I was never 30 days late.
Product: Debt collection

In XXXX, I took out a consumer payday loan with XXXX XXXX XXXX XXXX. I was making regular payments until I was out of work for an extended period of time, I relocated to make a better life for myself and during that time I lost both of my parents along with being without income. 

I was threatened by a third party that XXXX and XXXX XXXX XXXX used who refused to provide me with any information, I was making payments to avoid court, etc., I have been through multiple job losses since XXXX of XXXX and I have been unemployed for XXXX coming up in XXXX. 

I am currently XXXX without a vehicle, no job, and no support as my family disowned me for being a member of the XXXX XXXX. 

I have no peers around me as they used me for their enjoyment and my expense. I suffer greatly from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  that I can barely afford to pay for along with everyday essentials. 

I received a call from XXXX and XXXX ( who also called an estranged relative that I do not get along with and threw me out for being XXXX ) on behalf of the XXXX XXXX XXXX today regarding subpoena service, I explained to the paralegal who is a XXXX XXXX XXXX PERSON WHO NEEDS TO GO BACK TO SCHOOL TO LEARN PROPER XXXX, ETC THAT I DO NOT HAVE THE MONEY TO PAY NOR WILL I HAVE THE MONEY ANYTIME SOON EVEN WITH A JOB I AM NOT IN A FINANCIAL POSITION TO PAY AS I AM IN A MOUNTAIN OF DEBT WITH NO CAR, NO JOB NOR A PLACE TO LIVE. XXXX AND XXXX XXXX XXXX AS WELL AS ANY PARTIES INVOLVED HAVE SERIOUSLY VIOLATED MULTIPLE FDCPA LAWS. THEY ARE ALSO NOT AWARE THAT THEY PAST THE STATUE OF LIMITATION IN BOTH STATES OF XXXX  AND XXXX TO SERVE ME ANY DOCUMENTATION, ETC.
Product: Credit reporting or other personal consumer reports

Disputed a XXXX acccount ( XXXX XXXX XXXXcollection agency ) as it doesnt belong to me. Didnt remove from credit report accordingly
Product: Mortgage

My XXXX escrow analysis was egregiously incorrect.. even thought I have been with Union Home Mortgage Company since XXXX. They advised this mistake was due to a " software update '' .. please see the following email from them. 

" During a system software update in XXXX, many tax lines were inadvertently updated to reflect the previous years tax amount. This discrepancy was not identified until this year. 
We understand the inconvenience this may cause and sincerely apologize for any confusion. Please be assured that Union Home Mortgage ( UHM ) is taking steps to ensure that such an error does not happen again in the future. Our team is diligently working to improve our processes and systems to prevent similar issues. 
At this time, there is nothing we can do to retroactively correct the glitch, and the shortage is reflecting correctly. 

XXXX XXXX Customer Support XXXX XXXX XXXX XXXX XXXX Fax : XXXX XXXX | uhm.com They basically took only my Spring taxes and multiplied it by two versus taking both my Spring and Winter taxes, which were readily available to them. They are advising there is a {$3100.00} due to THEIR error. Yet I am responsible for paying this. 

The woman I spoke to in the tax department named " XXXX '' advised this has happened to several customers.
Product: Credit reporting or other personal consumer reports

This letter serves as my final demand for the immediate removal of inaccurate, misleading, and unverified information from my credit report. Despite my repeated disputes, you continue to report erroneous data, causing significant damage to my financial standing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Debt collection

I am not liable for this debt with XXXX XXXX XXXX, I do not have a contract with Portfolio Recovery Associates LLC, they did not provide me with the original contract as requested. Correction to my credit report, I demand this account be removed from my credit report.
Product: Credit reporting or other personal consumer reports

On XXXX I asked for VALIDATION of this debt. I DID NOT RECEIVE IT FROM THE CREDITOR. On XXXX I asked for a 1099C because the account is charged off. The company responded that they did not have to provide one. On XXXX I asked from errors on the account to be corrected. The creditor responded that they did not have any errors on my account that was being reported. Today is XX/XX/XXXX and i am requesting that this account be removed from my credit report immediately as proper investigation did not occur. Errors on my credit report : 1.The report states that the account was closed in XX/XX/XXXX, but the charge-off date is listed as XX/XX/XXXX. XXXX. My credit report shows charge-offs ( CO ) every single month from XX/XX/XXXX through XX/XX/XXXX, a charge off is a one time event ( so on my credit report it should've only been charged off one time ). In The letter from XXXX states that the account was charged off on XX/XX/XXXX, not multiple times over XXXX and XXXX. This conflicts with my credit report, which indicates charge-offs from XX/XX/XXXX through every month in XXXX and XXXX. XXXX. Delinquency was first reported in XX/XX/XXXX, yet the payment history shows charge-offs beginning in XX/XX/XXXX XXXX the Letter Response from XXXX XXXX : The letter states that your account was written off on XX/XX/XXXX, with a balance of {$460.00}, but my credit report shows the account was charged off in XX/XX/XXXX, months before the XX/XX/XXXX write-off stated in the letter. The inconsistency between the charge-off date on the report and the written-off date in their correspondence is significant. XXXX account also reflects negative available credit of XXXX {$230.00}, which is incorrect. My credit limit on this account was {$200.00}, and a balance of {$430.00} was reported. However, negative available credit is not appropriate and may indicate a miscalculation. **ENCLOSED : PLEASE SEE ATTATCHED CORRESPONDANCE FROM XXXXXXXX XXXX XXXX PLEASE SEE COMPLAINTS THAT WERE FILED, PLEASE SEE CREDIT REPORT WITH ERRORS HIGHLIGHTED**
Product: Credit card or prepaid card

bank of America Prepaid credit card. this account is 7 years old and was paid in full. please remove from credit profile. the information is incorrect original balance of card was {$200.00} and paid upfront. please provide original contract to verify information. if you do not have the original contract please remove from credit history has this account has already been settled. or i will sue for damages that this causing me financially.
Product: Credit reporting or other personal consumer reports

Good evening, The accounts listed in the report attached do not belong to me. Please help me remove them and rectify this as soon as possible. Thank you.
Product: Checking or savings account

I am filing a complaint against USAA for placing an extended hold on a check I deposited, which has caused significant financial hardship, resulted in overdraft fees, and prevented me from meeting critical financial obligations. 

On XX/XX/year>, I deposited a check into my USAA account. I was later informed that the funds would not be available until XX/XX/year>, due to a prior overdraft on my account. While I understand the banks policies, this hold has directly caused my account to overdraft again and left me unable to pay essential bills such as rent, phone, utilities, and even my insurance, which I have through USAA. 

I contacted USAA on XX/XX/year> to request an early or partial release of funds to avoid further overdrafts and financial harm. However, I was told that the hold is dictated by an automated system and that no one can override it. This rigid and inflexible policy has left me without access to my own money during a time of urgent need, further compounding the financial issues it is meant to address. 

This situation is causing me unnecessary stress and harm. I believe it is unfair for a financial institution to enact policies that exacerbate customers financial hardships and prevent them from fulfilling their financial obligations. 

I respectfully request that the CFPB investigate this matter and hold USAA accountable for policies that harm customers and offer no reasonable solutions for urgent financial situations.