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

Bank of America policy requires adverse reporting to credit bureaus for seven years for accounts which have been PAID IN FULL following placement into profit and loss status. BOA is taking advantage of protection provided by a FCRA that does n't exist. FCRA Section 1681c relating to Accounts placed for collection or charged to profit and loss does not directly or specifically include accounts charged to profit and loss which have a CURRENT PAID IN FULL status. The law clearly states Accounts placed for collection or charged to profit and loss WITHOUT specifying reporting of accounts which have a PAID IN FULL status following a charge to profit and loss. I do not believe the INTENT of this FCRA law is to penalize a debtor who has PAID HIS DEBT IN FULL AT ANY TIME. Continued adverse reporting to credit bureaus penalizes the consumer AFTER he has paid his account IN FULL. Additionally, as a result of the lack of inclusion of accounts which are paid in full status under FCRA, XXXX has no right to maintain and adversely report information which the government has deemed nonexistent and not covered under this law.
Product: Credit reporting or other personal consumer reports

TransUnion claim to have verified these accounts hows this possible
Product: Credit reporting or other personal consumer reports

As is my consumer right to do so, I hereby compel you to ONLY report PERFECTLY authoritative, VALIDATED, and testimonially tractable claims, particularly those involving allegations of delinquencies and/or derogatory conditions in any fashion whatsoever! 

My state and the applicable federal reporting laws and standards mandate that all claims be fully verified as truthful as reported, correct as communicated, complete as made known, with a known ownership of responsibility as reported, and validated in accordance with the standards EXACTLY AS required. 

This reporting must include the mandatorily PERFECT and Complete CERTIFIED XXXX XXXX FORMAT REPORTING of any verified valid claim. ANY DEFICIENCY in reporting fails to meet the criteria for lawful reporting, and therefore, immediate and permanent removal from reporting is required. 

INCONSISTENT and/or questionable aspects of reporting indicate an inability to assume that claims are accurately and compliantly reported as required, both in substance and in process. Unproven claims must be removed. 

As highlighted, this claim has inconsistent and/or questionable aspects that are problematic, such as the noted ailment ( s ) of reporting, which to date have been unproven and/or not certifiably compliant in their necessarily perfect, outright, accurate, verified, valid reporting.

The mentioned delinquent and/or derogatory-conditioned item ( s ) of allegation fail to meet even MINIMUM requisites of adequate reporting, so they must be excluded from reporting now! 

Being my RIGHT, I DEMAND that you IMMEDIATELY edit out and forevermore block the misreported misinformation.
Product: Credit reporting or other personal consumer reports

i have recently reviewed my equifax consumer report and see there are unauthorized inquiries reporting i did not initiate nor did i benefit from any of them 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
Product: Credit reporting or other personal consumer reports

DISPUTED THIS ITEM WITH CREDIT REPORTING AGENCY The results are : INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE XXXX CREDIT FILE XXXX YEARS FROM THE REPORTED DATE OF THE INQUIRY. Inquiry Date : XX/XX/year> XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX CAPITAL XXXX XXXX XXXX VA XXXX Phone : XXXX XX/XX/year> UNAUTHORIZED INQUIRES ON MY CREDIT REPORT THAT I WOULD LIKE REMOVED ACCORDING TO THE FCRA, THESE ARE UNVERIFIED AND UNAUTHORIZED ITEMS MUST BE REMOVED! 

FTC REPORT FILED. 
The Fair Credit Reporting Act ( FCRA ) outlines permissible purposes for accessing a consumer 's credit report in 15 U.S.C. 1681b. Here 's a summary of this section : 15 U.S.C. 1681b - Permissible Purposes of Consumer Reports Under this section, a consumer reporting agency may furnish a consumer report only under the following circumstances : In Connection with a Credit Transaction : To a person who intends to use the information in connection with a credit transaction involving the consumer on whom the report is furnished.

For Employment Purposes : To an employer or prospective employer, with the consumer 's written consent, for the purpose of evaluating the consumer for employment, promotion, reassignment, or retention. 
In Connection with Insurance : To an insurance company to evaluate a consumer 's application for insurance, or to review an existing insurance policy. 
For Rental Agreements : To a person who intends to use the information in connection with the underwriting of a rental agreement. 
For Government Benefits : To a governmental authority to determine eligibility for government benefits. 
For Business Transactions : To a person with whom the consumer has an existing business relationship, or to evaluate a business transaction initiated by the consumer. 
For Collection of Debt : To a collection agency or debt collector for the purpose of collecting a debt.

In Response to a Court Order : To comply with a court order or federal grand jury subpoena.

For Investigative Purposes : To a person who is conducting an investigation with respect to a consumer 's creditworthiness, credit standing, or credit capacity, provided that the information is used for a lawful purpose.
Product: Checking or savings account

America First Credit union has decided to automatically convert our accounts to premium with a {$6.00} fee, without our say. The only way I found out was by a news report on XXXX. I have yet to receive a letter to notify me of this.
Product: Mortgage

PHH Mortgage purchase XXXX XXXX XXXX XXXX. It transferred XX/XX/XXXX and they got my payments wrong. I paid my XXXX payment back in XXXX. I always pay my payments early and they say I never paid it or they applied to principal, this was never a problem with XXXX XXXX XXXX. this is illegal by the practices that we set while I was at the FDIC and I helped form the consumer finance protection bureau. This is another abusive practice of Banks who acquire portfolios from other banks and do not do their due diligence on bar wars or their payment history. I owe XX/XX/XXXX payment only I will not pay it until they admit that I paid my first payment. I have a picture of the record of all my payments since XXXX of last year to XXXX XXXX XXXX through XXXX XXXX  please see attached.
Product: Credit reporting or other personal consumer reports

Account Name : XXXX XXXX XXXX, XXXX Account Name : XXXX XXXX XXXX, XXXX Im Accordance with the Fair Credit Reporting Act, The list of Accounts Below has violated my Federally Protected Consumer Rights Privacy and Confidentiality under 15 US Code 1681.

15 US Code 1681 Section 602 A. States I Charles E Roach Jr have the Right to Privacy.

15 US Code 1681 Section 604 A Section 2. Also states A Consumer reporting agency Can not Furnish an Account without my written instructions.

15 US Code 1681 C. ( A ) ( 5 ) section States No consumer reporting agency may make any consumer report containing any of the following items of the information any other adverse item of information, other than records of Convictions of the crime which indicates the report no more than seven years.

15 US Code 1681 S -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.

15 US Code 1681 ( i ) - A5B Requirements relating to reinsertion of previously deleted material Certification of accuracy of information If any information is deleted from a consumers file pursuant to subparagraph, the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate, And Also the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 

I XXXX XXXX XXXX XXXX. I owe No Debt
Product: Credit reporting or other personal consumer reports

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX XXXX
Product: Debt collection

I disputed the debt with Medical Data Systems on XX/XX/XXXX and it was signed by XXXX XXXX via certified mail. They passed the 30 day time frame and removed debt off my report. I later received mail on XX/XX/XXXX regarding account no XXXX, XXXX, XXXX and XXXX sating that the debt had been verified and that the XXXX XXXX XXXX XXXX  has provided them copies of an itemized bill. This itemized bill that they have provided me with has copies of diagnosis, what kind of test had been taken place. This is in violation of the HIPPA law. Please be advised that under Federal Statutes, The FCRA ( 15.U.S.C.1681 et seq and the state of Maryland consumer Credit Statutes and subtitle D of the ARRA, SEC . 13041. APPLICATION OF SECURITY PROVISIONS AND PENALITEIS TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; AND SEC. 13407 ( 1 ) BREACH OF SECURITY. The term " breach of security '' means, with respect to unsecured PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual. They may be liable for the actions of ( Medical Data Services ).
Product: Credit reporting, credit repair services, or other personal consumer reports

My info " may '' have been impacted by the Equifax breach. I 've done all I can on my part, freezing my credit with all 4 agencies, cancelling credit cards I do n't use, requesting new accounts for ones I do, changed my bank debit card, requested credit reports from the top 3 agencies, called my XXXX funds. Today, I went to sign up for the free one year identity monitoring through Equifax. Upon reading their terms, Equifax still wants to put my info out to third parties and I see no where to opt out except for preapproved deals.. This from a company that was having data stolen from mid-XXXX until XXXX XXXX when America was informed, but not before three top execs sold their stock. 

I am completely frustrated with this company, I called them today to complain but that 's all I could do. 

# 1 : Since my info is now out there forever the credit monitoring should be free for life. 
# 2 : I should be able to OPT out of their third party schemes. They already compromised my info and think it 's ok to sell my info again. 
Ridiculous. 
I did not sign up for their identity monitoring based on those 2 facts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been in communications with ( TransUnion, XXXX or XXXX ) about inaccurate personal information on my credit report. Even after notifying them many times about this error they still continue to report this incorrect account information on my file. Not only is it unfair, its also illegal. 
15 U.S. Code 1681c2 - Block of information resulting from identity theft Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.
Product: Checking or savings account

I have previously submitted the same complaint to CFPB because the company ( Wells Fargo ) did not respond to my questions at all. They just sent me several monthly statements highlighting some transactions on them. Unfortunately these statements and highlights do not specify if the PIN was used. As such, my questions were not answered and I have no choice but to resubmit my complain. Below is my original complaint. 

Unfortunately I have no choice but to file a complaint because I cant get answers from Wells Fargo Customer Service. I was sending my questions to WF online asking how many transactions have been made using a debit card linked to business account ending with XXXX from the day of the account opening. Overall and as I mentioned in my correspondence to WF team, getting answers from WF online support is getting difficult in the last several months. 

Unfortunately I could not find out this information on my own. As you can see from this account summary, once I scrolled down to transaction details, it still does not specify whether this transaction was made using a debit card linked to this account. As you will also see from my attachments, WF customer service did not answer my questions on two separate occasions. 

Solution : ( 1 ) Please answer my question how many how many transactions have been made using Wells Fargo Business Debit Card payments/purchases using a debit card linked to my business account ending with XXXX and using PIN from the day of the account opening till today ( XX/XX/2019 ). Thank you. 
( 2 ) Based on my calculations ( please see account summary attachments ), I have made 12 Wells Fargo Business Debit Card payments/purchases using a debit card linked to my business account ending with XXXX and using PIN. Please confirm that this information is correct. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Enclosed/Attached is a copy of my original dispute letter I am writing this due to non-compliance with Credit Reporting Agency Experian They failed to conduct a proper investigation in accordance to FCRA guidelines I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law Because in my review of my most recent Experian Dispute Results dated XX/XX/XXXX, I can still see inaccuracies and blatant violation. And so, my dispute letter to the CRA dated XX/XX/XXXX, once again Im challenging inaccurate Items previously disputed 30days ago ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX AND XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX ). Dispute reason : remove this account because the Date of Status date or XXXX didn't change/updated, this irrefutable proof that no investigation was done as per FCRA remove for violation However, in the CRA dispute results report they claim the items was verified as accurate and updated but how could this be? when the date of status date didn't change/update after the investigation was done, this proves that no investigation was ever done because the XXXX didn't change. XXXX date didn't change/update even though the CRA claimed that the inaccurate items reporting on my credit report was verified as accurate and their investigation is complete, but the XXXX date didn't change/update to be a current updated date as per FCRA. 
It is to be noted that prior to my dispute with the CRA, inaccurate items XXXX XXXX date of status date was ( XXXX XXXX ), XXXX XXXX date of status date was ( XX/XX/XXXX ), XXXX XXXX date of status date was ( XX/XX/XXXX ), XXXX XXXX XXXX date of status date was ( XX/XX/XXXX ), XXXX XXXX date of status date was ( XX/XX/XXXX ), XXXX date of status date was ( XX/XX/XXXX ), XXXX XXXX XXXX I was never late, I paid on time XX/XX/XXXX, Update payment history, XXXX ( Original creditor : XXXX Hospital ) past due reported on a collection remove for violation, XXXX XXXX these late payments are completely wrong. I need for you to remove this account because theres no way for you to legally verify XXXX date of status date was ( XX/XX/XXXX ), XXXX XXXX XXXX date of status date was ( XX/XX/XXXX ), After what is known as an investigation that was conducted and completed by the CRA, my dispute results from Experian investigation still shows the Date of Status date didn't change/update from previous investigation.
Product: Money transfer, virtual currency, or money service

I want to appeal the decision cashapp did not contact me about the money they keep playing games I know they r stealing and I can prove it I don't understand the role cfpb played in this bogus response they violated their own terms of service they lied about the money recipient has tried to refund payment but cashapp says insufficient funds how can u have a balance of the money on screen but insufficient funds wen trying to use funds. I don't except decision because it's based on fraud and possibly criminal behavior not only do I want my money back I want punitive damage of {$5.00} a Day that they willfully and knowingly kept me from my own money due to shady practices. I'm also contacting the JUSTICE DEPARTMENT SOMETHING IS DEFINITELY WRONG
Product: Student loan

I was paying out of State tuition in which i was in school with a double major for six years in which i became a permeant resident of the state if Tennessee in two years. I asked why I was still being charged for our of State tuition and they could n't give me an answer. I owe XXXX dollars that I ca n't pay back. I also was not contacted about the settlement or deadline. Is there a way to see if I still qualify?
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed 4 accounts with Experian and sent them letter by certified mail on XX/XX/2019. The accounts in question were from XXXX and Experian received the letter on XX/XX/2019. I received a response from Experian dated XX/XX/2019. I only received investigation results from 1 account with XXXX in which they reported was deleted from my credit report. I did not receive any results for the 3 other XXXX accounts that were disputed. Today is XX/XX/2019 and it has been over 2 months without a response regarding the disputed accounts.
Product: Debt collection

A phone debt that was not owned by me. Phone debt was discharged by XXXX, then sold to collection months later. I have been fighting this for the last 5 years. I was assured by XXXX that the debt had been discharged and the account closed. Obviously a lie. The debt was then sold to Convergent, a collection agency I believe owned by XXXX. They are located in XXXX Wa. I am located in XXXX MN. Collection agency claims I owe them {$200.00}
Product: Credit reporting or other personal consumer reports

Equifax continues to report an account listed as XXXX XXXX incorrectly. There are several late payments that are not accurate. I have previously disputed these late payments and Equifax claimed to have verified this information I am requesting the method of verification in which it was verified. This is my final attempt at resolving this without legal action. 
XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX ( 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: Bank account or service

US Bank has bumped up their overdraft charge to an astronomical level. I balanced my checkbook wrong and had XXXX checks bounce. I ended up with charges of {$140.00}. I have a very long history with this bank and have rarely ( maybe once ) bounced a check before. I sent a letter asking for a reduction in the fees and never heard back from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  accounts : XXXX XXXX act # XXXX, XXXX XXXX act # XXXX, XXXX XXXX XXXX act # XXXX, XXXX XXXX XXXX XXXX # XXXX has violated my rights. 15 U.S.C 1681 section 602A. States I have the right to privacy. 15 U.S.C. 1681 section 604A section 2. It also states a consumer reporting agency can not furnish an account t without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

The information that would reflect positive has left off my report such as a paid off home paid off bankruptcy paid off car inadequate severely negativity is on there when uploading proof they say they have not gotten it or it won't upload when sent they claim never received I keep explaining myself twice over and never get a positive answer nor solution. I worked hard and gave up a lot of money to correct my issues and I still have a poor score which has gave me higher interest rates or flat out denial of credit..I want the corrections made I have lived in the same house for 20 years got the letter paid in full XXXX XXXX congratulations gave up thousands of dollars to pay off my bankruptcy just to still see a poor credit score not fair when creditors look and see all the negativity how can I ever get ahead of all of it. Why do we have credit bureaus if they will not have current and correct information and all I hear is we understand NO they do NOT because it isn't them being effected it is me and my daughter being a single mom after an XXXX XXXX  injury trying to get back on track in my life I can't and I gave up all that revenue to fix the main issues all for nothing. I need help
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 XXXX Account XXXX Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX XXXX Account NumberXXXX 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.