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

XXXX XXXX Bank is reflecting on my credit report. This account has not be properly verified according to law. Also this account has been on my credit report more than seven years. And it is still reflecting on my credit report. The original first delinquency showed XXXX XXXX and now shows XXXX XXXX. Which is fraud to try and keep this on my credit report. XXXX XXXX still has not sent anything to properly verify this account. No receipts, statements, proof of applying, proof of address that was associated with this card. And they are still allowed to have this on my credit report. That is AGAINST THE LAW!
Product: Checking or savings account

XX/XX/XXXX on XXXX I noticed a transaction and fraudulent activity was sent to me. I called Wells Fargo and they told me 10 business days until I can receive my fund back since I did not authorize this transaction. The XXXX that was taken from me was from XXXX the government to help with rental assistance from hurricane Idalia flood. My family and I lost everything. Wells Fargo is now telling me today that its not looking good in my favor and I have to wait another 10 days. Im very disappointed as this money was from XXXX to help us and Im now struggling day by day and Wells Fargo still has not refunding the XXXX due to it coming from my XXXX XXXX XXXX account. I spoke with XXXX and they told me to wait another 10 business days that I do not have time for. I just got confirmation I have 30 days to move out and now Im a mess that I think I have lost {$4000.00} from my bank Wells Fargo. Please help, I am begging for someone to hear me and help.
Product: Debt collection

A letter requesting in investigation into this matter was send to all three credit bureaus with no response. I would like for these accounts removed form my credit profile. 

XXXX  XXXX Balance : {$190.00} Account # XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX Balance : {$360.00} Account # XXXX Open : XX/XX/XXXX XXXX XXXX XXXX Balance : {$800.00} Account # XXXX XXXX XXXX XXXX XXXX Balance : {$900.00} Account # XXXX Open : XX/XX/XXXX XXXX XXXX XXXX Balance : {$1400.00} Account # XXXX Open : XX/XX/XXXX XXXX XXXX XXXX  Balance : {$450.00} Account # XXXX Open : XX/XX/XXXX XXXX XXXX XXXX Balance : {$710.00} Account # XXXX Open : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and notice I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit. Thank you.
Product: Credit card or prepaid card

I booked a stay through Chase XXXX for a single night at a hotel ( booked on XX/XX/2021 for a stay on XX/XX/2021 ). There were so many issues with our hotel room : no hot water ( until XXXX when we could finally shower ), the bathroom fan did not work, the bathroom door did not shut, the bed was uncomfortable and creaked non-stop, the lights in both the bedroom and sitting room flickered to the point of giving us headaches, and the bed was missing sheets! I have photos and video of these issues. After the terrible experience at the hotel, I asked Chase XXXX for a refund. Chase XXXX will not issue a refund until the hotel authorizes it, but the hotel is not responding to me or Chase XXXX for a month now. Chase will not dispute the charge against Chase XXXX ( I booked through them ), leaving me with a bill ( {$480.00} ) for a hotel stay that was not nearly worth what was paid. I've tried calling Chase XXXX several times and now the Chase dispute department but am unable to do anything to fix the situation. They only suggest to wait, meanwhile I have to pay the bill.
Product: Student loan

I have XXXX separate student loans, XXXX federal and XXXX private. I 'm have paid & gt ; {$500.00} a month for 10 years and still have $ XXXX. I have had financial difficulties at the moment and was making partial payments. I have been getting calls every hour everyday from Navient. I have asked many times for a payment reduction but they will not work with me. It 's very hard to be a single female trying to work, pay rent and all other bills and have no help from XXXX Loans. I have already paid the loan amount and more but they wo n't work with me and are now harassing me all day.
Product: Credit reporting or other personal consumer reports

I previously filed a complaint last year under CFPB Complaint XXXX. The false information was removed from my credit report. I received a letter from the creditor, Fortiva, confirming all had been resolved. However, last week Fortiva reported the same account information to XXXX.
Product: Credit reporting

XXXX is not allowing me access to my once a year free credit score that W. George Bush passed a law in 2008 stating that we are allowed one free credit report and score each year by law. XXXX nor XXXX nor Experian are allowing this to occur. I guess paying XXXX XXXX dollars in fines has not even phased them whatsoever. Why is it the that nobody is doing anything about this behavior. Why do they continuously get away with ripping off the American people that built this country and free Democracy. Enough is enough with this behavior. Somebody needs to stand up and actually do something about it once and for all. I 'm getting tired of people turning their backs on the American people do the right thing and make a change.
Product: Mortgage

I was denied a loan modification by Wells Fargo as I was struggling to make the payments. That put me under a tremendous hardship to the point I had to defend my house filing for Bankruptcy in XXXX of 2019. 

I need to know if I am entitled for compensation under the consent order filed by The Consumer Financial Protection Bureau. File # XXXX. So far they have not contact me. They tried to foreclosure 2 times ( I can provide the court file numbers ). 

The first time we won the case against them as they could not prove in court I signed a blank document before or after I refinance with them. 

They waited until the case was cleared from the courts in XXXX XXXX to initiate a second foreclosure filing which I had to defend for the second time filing for Bankruptcy XXXX XXXXXXXX. 

Adding to the fire, as soon as they could, they sold my loan to XXXX XXXX XXXX in Colorado. Complaint # XXXX filed with the XXXX XXXX XXXX 

I need you to check if my loan # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting the following items inaccurately. Can someone please look into this? Thank You Accounts XXXX XXXX  XXXX  XXXX never late XXXX XXXX XXXX XXXX never late XXXX XXXX XXXX not mine INQUIRIES XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX  XX/XX/XXXX unauthorized EQUIFAX XXXX XXXX  XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XXXX  XX/XX/XXXX unauthorized XXXX XXXX  XX/XX/XXXX unauthorized XXXX XXXX  XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, i'm a victim of identity fraud somebody used my information to obtain vehicle loans and open credit card accounts in my name. for example XXXX XXXX {$1900.00} date opened XXXX XXXX XXXX XXXX {$3700.00} date openeXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$24000.00} date opened XXXX XXXX XXXX  Inquiries : XXXX XXXX XXXX  Date opened XXXX XXXX XXXX XXXX XXXX XXXX  Date opened XX/XX/XXXX XXXXXXXX XXXX Date opened XXXX XXXX XXXX XXXX XXXX Date opened XXXX XXXX XXXX XXXX XXXX XXXX Date opened XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( bank ) XXXX XXXX XXXX XXXX XXXX XXXX  ( Finance ) XXXX XXXX XXXX XXXX XXXX XXXX  Date opened XXXX XXXX XXXX XXXX XXXX XXXX Date opened XXXX XXXX XXXX XXXX XXXX XXXX  Date opened XXXX XXXX XXXX XXXX  Date opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date opened XXXX XXXX XXXX
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 XXXX Account Name XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account XXXX Account Name : XXXX CARD 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: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is in this. As a follow-up to the last CFPB complaint I filed on XX/XX/XXXX, I am filing this one. On XX/XX/XXXX, I wrote to the credit bureaus and asked them to delete the following things from my file because they are unknown to me. I just learned about this regulation, and it states that credit reporting agencies must delete all accounts and information no later than four business days following XX/XX/XXXX, as per FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ). This was also mentioned in my earlier complaints XXXX XXXX XXXX XXXX and # XXXX, therefore I'm mentioning it again. Please remove the following items as soon as possible 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 Balance Owed : {$1700.00} XXXX XXXX XXXX XXXX XX/XX/XXXX. Also, if the Credit Bureaus claim that the disputed items belong to me, I am requesting that the Credit Bureaus send me copies of proof of verification. In the event that the Credit Bureaus do not comply with the requests, please remove the disputed items as soon as possible.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
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

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 XXXX XXXXXXXX Account name : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXXXXXX Account name : XXXXXXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXXXXXX Account name : DEPT OF EDUCATIONXXXX XXXX XXXXXXXX Account name : XXXX XXXXXXXX XXXX XXXXXXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX Bankruptcy : Bankruptcy XXXX XXXXXXXX Account name : XXXX XXXX XXXX XXXXXXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account name : 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. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX View All Accounts Previous Next Details Account # XXXX  Original Creditor - Company Sold - Account Type Revolving Charge Account Date Opened XX/XX/2018 Account Status Open Payment Status Past due 30 days Status Updated XX/XX/2018 Usage 100 % Balance {$2900.00} Balance UpdatedXX/XX/2018 Credit Limit {$3000.00} Monthly Payment {$100.00} Past Due Amount {$59.00} Highest Balance {$2900.00} Terms Revolving Responsibility Individual Contact Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX  XXXX  View All Accounts Previous Next Details Account # XXXX   Original Creditor - Company Sold - Account Type Credit Card - Revolving Terms Date OpenedXX/XX/2018 Account Status Open Payment Status Past due 90 days Status Updated XX/XX/2018 Usage 127 % Balance {$380.00} Balance Updated XX/XX/2018Credit Limit $ XXXX Monthly Payment {$25.00} Past Due Amount {$130.00} Highest Balance {$380.00} Terms Revolving Responsibility Individual Contact Information XXXX XXXX XXXX XXXX XXXX, VA XXXX  ( XXXX ) XXXX XXXX View All Accounts Previous Next Details Account # XXXX  Original Creditor - Company Sold - Account Type Credit Card - Revolving Terms Date Opened XX/XX/2018Account Status Open Payment Status Past due 30 days Status Updated XX/XX/2018 Usage 130 % Balance {$650.00} Balance Updated XX/XX/2018Credit Limit $ XXXX Monthly Payment {$59.00} Past Due Amount {$73.00} Highest Balance {$650.00} Terms Revolving Responsibility Individual
Product: Credit card

JPMorgan Chase XXXX is improperly calculating the " Balance Subject To Interest Rate '' value in the " Interest Charges '' section of my credit card statement. According to the customer service rep I just spoke to, the statement displays the " average '' balance I 've been carrying under each " Balance Type. '' That is not accurate since it is n't the " Balance Subject To Interest Rate, '' it is the " Average Balance. '' The practical impact of this is that I do n't know how much I actually owe for each " Balance Type. '' For example, I have a 0 % interest promotional rate for a portion of my balance. If I want to know how much I owe under that promotional rate I have to call in and ask since it is n't displayed anywhere on my statement.
Product: Credit card or prepaid card

I opened a Bank of America XXXX XXXX XXXX   XXXX on XX/XX/2020. The card advertises bonus cash back in customer designated categories. I selected " online shopping '' as my chosen category at 3 % on XX/XX/2020. The card also advertises additional bonus cash back depending on your client status with the bank. For me, this would equal 25 %. Therefore, the online shopping category should provide 3.75 % cash back. 

On XX/XX/2020, I made an online purchase for {$2200.00}. The charge went through with a " .com '' suffix. I was awarded 1.5 % cash back and not the advertised 3.75 % cash back. This difference amounts to a little over {$57.00} USD in rewards. I appealed to the bank on XX/XX/2020 and received a letter in the mail stating they would not change this. I called again and was told the problem was how the vendor coded the transaction. I called the vendor on XX/XX/2020 and they did not know what Bank of America meant. The vendor provided me with a bill of sale and documentation that showed in three places that this was an online sale. I again contacted Bank of America and appealed and received a letter on XX/XX/2020 where Bank of America refused to honor the promotion. 

On XX/XX/2020, I made an appointment at my local Bank of America branch and called the credit card department with a banker. Bank of America refused to honor the terms of the credit card promoted at the time I opened it. The banker stated that he could provide documentation supporting the online nature of the transaction, but they still stated they refused to appropriately provide the 3.75 %.
Product: Credit reporting, credit repair services, or other personal consumer reports

A collection is showing on my credit report from XXXX XXXX XXXX for the amount of {$1200.00}. I never had a contract or transaction with this company or consent to any account with them or the alleged creditor " XXXX XXXX ''. I have requested any contracts showing my legal signature as proof of any valid relationship and have not received anything.
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized and Inaccurate Credit Reporting, Failure to Validate Debt, FCRA, and FDCPA Violations by Bank of America, XXXX, and XXXX on Behalf of myself, XXXX XXXX XXXX. Complaint Details : I, XXXX XXXX, has discovered multiple violations regarding her charged-off Bank of America credit card account XXXX which has been inaccurately reported by both XXXX and XXXX. Additionally, Bank of America has failed to meet their legal obligations under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), and we have reason to believe they XXXX no longer own this debt due to securitization. 

Key violations : Bank of America charged off this account in XX/XX/year>, yet both XXXX and XXXX continue to report late payments post charge-off, creating the false appearance of continued delinquency. 
Bank of America has failed to provide any XXXX cancellation of debt, suggesting they XXXX be double-dipping on tax write-offs while reporting the debt inaccurately. 
Bank XXXX XXXX own XXXX filings indicate that debts such as these are often securitized and sold to third parties, meaning they may no longer own the debt they are reporting. Reporting a debt they no longer own is a violation of the FCRA and constitutes unauthorized reporting. 
No proper debt validation has been provided, despite repeated requests. 
XXXX and XXXX reporting is inaccurate and does not align with the FCRA requirement to report only complete and accurate information. 

XXXX. Violations and Legal References : The following legal violations are applicable : FCRA 611 ( a ) Duty to reinvestigate disputed information.

FCRA 623 ( a ) ( 1 ) Duty of furnishers to report accurate information.

FDCPA 807 Prohibits the use of false or misleading representations.

IRS Code 6050P Requires creditors to issue a XXXX cancellation of debt for any forgiven debt over {$XXXX}. 
XXXX XXXX XXXX Bank XXXX XXXX failure to adhere to their credit reporting obligations outlined in their credit card agreement and arbitration clause.
Product: Debt collection

REPOSSESSION DEFICIENCY DISPUTE This account XXXX XXXX XXXX acct # XXXX, has violated my rights. Under the laws of the state of TEXAS UCC 9.506 and State RISA and MVISA statues a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhere to. Please provide copies of the legal notices and proof of the commercially reasonable3 manner of the resale of the subject vehicle. If no such proof is provided within 14 days from receipt of this notice, the alleged claim of a deficiency will be considered null and void, and any continued activities, or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA. In addition, if you singularly or severally fail to comply with the above requests, I reserve the right to seek damages against all parties, under all available State and Federal statues and UCC 9 REMEDIES. 
Also, Section 16.004 of Texas Civil Practice and Remedies Code, states ... .the statue of limitations on debt in Texas is four years. And this account is over 4 years old, so it must be removed.
Product: Debt collection

Collection showed up on my credit report. It is apparently an energy bill from XXXX XXXX in XXXX  I have never been to XXXX. I filed disputes with XXXX and also XXXX. 
I have lived in XXXX for 7 years and prior to that XXXX
Product: Credit reporting or other personal consumer reports

Creditor name ( XXXX XXXX XXXX XXXX XXXX  ) reported incorrectly information which shown missing Months XXXX XXXX l. Have had thud company almost XXXX yrs. And l don't miss payments from company. I went and got printouts and the printout doesn't show missing payments XXXX or XX/XX/2024 l disputed these months notice no update or changes completed which was Disputed online with Experian and never fix my credit report which Never change on my report scores always in between XXXX even payments payed in full
Product: Debt collection

Statement dated XX/XX/year> However didnt receive it until XX/XX/XXXX As stated .. they specifically note. We accept disputes electronically and may include supporting documents
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX of XXXX and XX/XX/XXXX I was late on payments for XXXX XXXX. During the month of XXXX I was very ill due to XXXX complications which caused me to be unconscious and missed payments. I gave birth in XXXX and shortly after I was on maternity leave without pay which also caused me to miss payments. Prior to this incident I have never been late or missed payment with this company. I did reach out to XXXX XXXX  to resolved this issue with no luck. As of today I'm current on payments and have been since XXXX. I'm asking out of good favor that the delinquent payment history be removed from my credit report because its preventing me from buying a home.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report contains a significant number of unauthorized requests, as well as some erroneous reporting of Information. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC with XXXX XXXX # XXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else. Please remove the following fraudulent items : XXXXXXXX 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 XXXXXXXX XX/XX/XXXX. Under the FCRA section 605b, you are require by law to remove the disputed items off my Credit File. If you believe that the disputed items belong to me, please send me copies of proof of verification or proof of ownership. In the absence of such documents should result in the immediate removal of the disputed items. Please do so.