23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Contacted bank of america customer service via 1800 number on the back of my card on XXXX/XXXX/2017. was advised the transfer of funds from my credit card to my checking account would be effective within 2-5 business days. Time frame was not met, funds have still not been received. Called today at XXXX EST and spoke with a supervisor named XXXX, who advised me this would be available and fixed within no later than 2 days. Still seeking resolution and investigation. A refund was issued from a merchant, after my credit card statement was paid in full. Now my credit card has a credit of XXXX dollar balance, Which makes it difficult to use my credit card because my balance will be negative, meaning bank of america owes me money, and that will not reflect positively on my credit usage and credit utilization towards my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke with several different Capital One Auto finance representatives about my payment for the month of may, Due to the fact that the payment was made over a holiday weekend, the representatives informed me that even though the payment was posted XX/XX/XXXX it was not going to be reported as late because it was made XX/XX/XXXX. I have been a loyal and on time customer with Capital One Auto Finance since XXXX, this miss payment reflection on my credit file is due to misinformation and I am requesting for it to be adjusted. Upon my discovery about the late payment reflection, I spoke with another representative and they ensured me that their department would be happy to help me resolve this issue successfully. I have provided all the information needed for them to execute the adjustment successfully.
Product: Credit reporting or other personal consumer reports

I have an account on my report from XXXX XXXX XXXX that has been paid off for a year now and on my credit report it is still open as a account and it is closed and paid
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently pulled my reports and noticed you are reporting the incorrect high balance, incorrect date of last activity, and incorrect payment history for account ( XXXX XXXX XXXX ). Because the date of last activity, term length, and payment history being reported by your company, Transunion, and XXXX are different, this means that the account has not been properly verified. You are in direct violation of my FCRA rights of my credit report being 100 % accurate, the information is coming from the same data furnisher, therefore all the information being reported should be the same across the board. Please delete this account immediately!
Product: Credit reporting or other personal consumer reports

I am writing to you today to once again dispute some accounts that appear on my credit report. As I mentioned in my previous letter, I have been a victim of identity theft, and several fraudulent accounts were opened in my name without my knowledge. I already forwarded the required FTC report to the companies and they have acknowledged that these accounts were fraudulent and have removed them. However, I have noticed that your bureau has continued to report these accounts, even though the other credit bureaus have already removed them. I would like to remind you that as a credit bureau, you are required by law to ensure that your records are accurate and up-to-date. By failing to remove these fraudulent accounts, you are not complying with the law and are putting me at risk of further harm. 

DEPT OF EDUCATIONXXXX XXXX, DEPT OF EDUCATIONXXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX XXXX DEPT OF EDUCATION/XXXX XXXX, DEPT OF EDUCATIONXXXX  XXXX, DEPT OF EDUCATION/XXXX XXXXXXXX XXXX DEPT OF EDUCATION/XXXX XXXXXXXX, DEPT OF EDUCATION/XXXX XXXXXXXX, DEPT OF EDUCATION/XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This was a secured credit card that works like a prepaid card using my own available money put on the card which is reflected on my credit report with XXXX XXXX Card Service on my Trans Union Credit Report as Loan Type : Secured Credit Card in the amount of {$300.00} ( XXXX XXXX  dollars ). 
Could only used what I had put on the subject card with my own money as a secured credit card, not XXXX XXXX Funds. 

There is an inaccurate/incorrect charged off {$2600.00} and high balance of {$3000.00}. The credit limit was just {$300.00}. There was no increased in limit and balance over stated. Was brought to their attention. But, neglected and never resolved as per Federal Truth in Billing Disclosures and Credit Reporting act based upon FTC guideline. 

The account was closed with no balance owed to XXXX XXXX XXXX   in XX/XX/2018. 

The XXXX XXXX XXXX and I agreed to terminate the relationship because the bank was involved in alleged collusion and bad faith banking practices that were not in full compliance. No statement was send to show an itemized history and reconciliation of activities as secured credit card by law.
Product: Checking or savings account

Making a transaction to send a payment via zelle. Payment sent without confirming the correct receivers information and payment was lost.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, I sent a Dispute to remove all outdated inaccuracies on my credit report, However the credit Bureaus Stated the Account name and number were properly investigated, but how is that possible if the open dates are inaccurate, The last report date is inaccurate, This grounds for removal They also violated my rights under 15 USC 1681 section 604A Section 2 The law clearly states the consumer reporting agency can not furnish a written account without my instructions I havent given these accounts written permission to furnish on my credit account 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 Account number : XXXX, Account name : XXXX Account number : XXXX, Account name : XXXX Account number : XXXX, Account name : XXXX XXXX Account number : XXXX, Account name : XXXX XXXX XXXX XXXX Account number : XXXX, Account name : XXXX  Account XXXX, Account name : XXXX  Account number:XXXX, Account name : XXXX Account number:XXXX, Account name : XXXX XXXX  Account number:XXXX, Account name : XXXX  Account number:XXXX, Account name : XXXX XXXX Account number : XXXX, Account name : XXXX XXXX Account number : XXXX, Account name : XXXX XXXX  Account number:XXXX, Account name : XXXX XXXX  Account number: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. 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

I disputed the validity of a Bankruptcy that is being reported on my credit report. I contacted Experian and advised them that there was a Bankruptcy on my report that was not mine so i asked them to remove it, They sent me back a notice that the account was mine and that they validated it. I then asked them to provide to me the name of the person and the process that they used to verify this account in accordance with FCRA 609 and they have not provided me with this information i then requested that they reinvestigate the account and i provided them with the copy of the letter from the U.S Bankruptcy court in XXXX MD. that states that they do not provide information to the Credit Bureaus and i explained to them that they were in violation of FCRA 609 and FCRA 15. I received a letter from them stating that unless i had new evidence in regards to this dispute that they were not going to reinvestigate which is also a FCRA violation, I have been hung up on by the XXXX representatives and the XXXX and also been told that they are not in Violation of any FCRA rules. a search by a third party is not a validation of accuracy anyone can logon to the public website and put in a name or docket # and get the inaccurately reported information. I plan on filing a small claims court case against Experian for defamation and inappropriate reporting if they do n't remove this bankruptcy immediately. i am asking for them to remove a bankruptcy that has no money attached to it and not associated with any account of mine.
Product: Debt collection

Debt collector did not send a dunning letter at all. Did not call me, made no contact before reporting this to the Credit Reporting agencies, XXXX, XXXX and XXXX. This is a violation of the California XXXX FDCPA. This is not the first time they have done that. Just a few months ago the CFPB helped me with the exact same situation with the exact same company who listed ten items on my XXXX file and XXXX on my XXXX file. They did end up deleting the items because I threatened to sue for damages and because of my complaints to this agency as well as the XXXX, FTC and the XXXX Attorney General. 

It seems they 're back at it again. This is a rogue company that does not abide by XXXX State Consumer Protection Laws. Please help me.
Product: Mortgage

In both XX/XX/XXXX and XX/XX/XXXX, XXXX Mortgage company pulled my credit to try to obtain a loan approval without my authorization. After contacting the local agent who fraudulently pulled my credit twice, I then spoke with her XXXX. He refused to remove the hard inquiries from my credit and offered me a credit only if I chose to utilize their service for a refinance. I made several attempts to try to resolve the issue, via email correspondences and telephone, but felt as though I was getting the run around. Had XXXX never pulled my credit, while I was in the middle of a family crisis, I would not have considered the refinance at either time. I simple asked for information based on a spam email which I received from the local agent XXXX and she took it upon herself to run my information which they had on file from a home purchase I made through them in XX/XX/XXXX. My credit was not where I would have wanted it to be for a refinance and even though it was approved, I would have rather wait on a better credit score to lower my interest rate. However, this option was taken away from me. I had to consider going with their company within the 90 day period, as to not further damage my credit or have another company pull it a XXXX time at a later date. This is not fair to me as a consumer and I believe it caused me to delay a refinance even further than anticipated. It certainly has cost me more in the long run.
Product: Debt collection

I have several complaints, I sent a debt Verification Request and a written cease of communication notice ( limited to mail only ) to The Bureaus Inc. on XXXX XXXX, 2016. As of today they have not responded to my request in writing however, they hired a second collection agency called XXXX XXXX , XXXX. When I was contacted by XXXX XXXX XXXX on XXXX XXXX, 2016 they claimed to represent XXXX XXXX and were trying to collect a debt on their behalf. My husband and I informed them I was n't aware XXXX XXXX XXXX on our credit report and was transfered to a supervisor. The supervisor then informed us that XXXX XXXX XXXX XXXX. is trying collect for XXXX XXXX. We informed him that the only XXXX XXXX collection that we aware of is the one owned by The Bureaus Inc. and informed them that we sent them a request for Validation and written cease of telephone communications. We asked if The Bureaus Inc. sold the debt to XXXX XXXX and he informed me that they work on " behalf '' of The Bureaus Inc. and that they are their clients. We then asked why they were stating they were working on behalf of the Original Creditor XXXX XXXX because both he and the original caller stated they were calling on behalf of XXXX XXXX. The Bureaus is using another collection agency to collect a debt on their behalf, even though this agency is claiming to work for the XXXX XXXX. The Bureaus Inc. was given a request for Validation and a written cease of communication and are using another agency to communicate illegally.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment XXXX, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX A XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX3000.00} ; 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 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 XXXXXX/XX/XXXX.
Product: Debt collection

Company- Experian/XXXX/XXXX- XXXX XXXX XXXX XXXX. Account.XXXX . XX/XX/2016.This Company has been on my credit report for the last couple of years and has ruined my credit. Please CFPB investigate this company thoroughly and have them remove this negative item from my credit report as soon as possible. Thank you
Product: Credit card or prepaid card

Adding on to complaint # XXXX ... today I have made numerous calls trying to resolve this issue without it escalating. Customer service is absolutely horrible. I was put on hold on every call with every representative all stating that they work with consumer protection and the fraud department. I asked to speak with the investigations department and was told that there is no number to call them that I would have to wait for them to contact me. I was also told that investigations will not be back until Monday. The names of some of the representatives are XXXX and XXXX.I was told that I can go to the store to make a payment. I live in South Carolina and the store is currently closed due to hurricane Florence. The representatives cared less.
Product: Debt collection

I have on two occasions asked for the company to validate the debt in question and to prove that they have a right to collect the debt. In response, they have sent only screen shots of an old account from someone they claim to be the original creditor.
Product: Mortgage

dual tracking XX/XX/XXXX while waiting for a social security XXXX case to finalize i tried to pre-empt a problem with wells fargo. got with a specific person XXXX XXXX. XXXX XXXX suggested a unemployment /income deferment for 10 months and 2 more if needed ( act 91 i believe ). started on the XXXX dollar /month payments when XXXX did not call in XX/XX/XXXX i contacted fargo got told a new POC was a XXXX XXXX who was a new fargo employee, instead of inacting the 2 month extension she initiated a modification application which i was told by several fargo people was available, XXXX lost 3 pages and i ended up in hosp 2 weeks i never heard from her again after 6 tries to contact then i get a call your in foreclosure. the call came that foreclosure process started on XX/XX/XXXX, with payments made thru XX/XX/XXXX and waiting on new bank card to make may {$25.00} payment. still XXXX do to the XXXX XXXX issues that put me in hosp., never heard back from POC XXXX just XX/XX/XXXX your in foreclosure call. I made a call to XXXX XXXX a vp in fargo anc complained it got me with XXXX XXXX who initiated a mod appl. during a modification process application and appeal sheriff left card on front door XX/XX/XXXX. called POC XXXX XXXX ( taking mod app ), and was told sheriff not from wells fargo due to my account in a foreclosure suspension. just want to re-start monthly payments as 1st mod, XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is hurting my credit score which is very important to me. I know you will understand me in this situation this is becoming a frustration to me. I don't know what's happening to my credit report and I don't how you guys come up to this conclusion and report it on my credit report. This is very stressful for me because I always pay on time. Under 15 USC 1666b this billing error must be corrected because I always pay on time this is clearly a discrepancy on this account which clearly violates the 15 USC 1666 ( b ). Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated in the law. 

XXXX XXXX  ACCNT # XXXX 30 days late on XX/XX/2019, and XX/XX/2019. 

I, therefore submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time. Hoping that I could get some favorable news after this investigation.
Product: Credit reporting or other personal consumer reports

Having a problem with removing hard inquiries and debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit karma false information misleading offers
Product: Credit reporting or other personal consumer reports

I am writing to dispute inaccurate information on my credit report regarding an account reported by XXXX XXXX. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate, complete, and verifiable reporting. Below, I have outlined the specific issues with this account : 1. Inconsistent Comments Across Credit Bureaus : XXXX : Closed. 
Experian : Subscriber reports dispute resolved - consumer disagrees. 
XXXX : Closed or paid account/XXXX  balance. 
These inconsistencies in comments create confusion and may mislead lenders about the status of the account.

2. Late Payment Reporting on a Closed, Paid Account : The account has a {$0.00} balance and is marked Closed or Paid across all bureaus. However, the payment history shows multiple 30-day late marks, which is inaccurate if the account is resolved and paid off.

3. Failure to Update or Resolve Dispute Comments : The comments reflect ongoing disputes despite the account being marked as resolved and closed. This misrepresentation may harm the creditworthiness of the consumer. 
XXXX. Inconsistent Reporting Across Bureaus : The Last Reported dates differ : XXXX and Experian : XX/XX/year>. 
XXXX : XX/XX/year>. 
While minor, this discrepancy shows a lack of synchronization and proper updates across the bureaus. 
5. Contradictory Payment History : Despite the account being marked as Current and having a {$0.00} balance, the payment history contains 30-day late marks. If unverifiable or inaccurate, they violate FCRA requirements. 

Violations of the Fair Credit Reporting Act ( FCRA ) : 1. 15 U.S.C. 1681e ( b ) : Failure to Ensure Maximum Possible Accuracy : Credit bureaus are required to ensure the information they report is accurate and consistent. The discrepancies in dispute comments, payment history, and reporting dates violate this standard.

2. 15 U.S.C. 1681i ( a ) : Failure to Conduct a Proper Investigation : If disputes have been filed and the information remains inaccurate or unresolved, the credit bureaus may have failed to investigate and correct the errors properly.

3. 15 U.S.C. 1681s-2 ( a ) : Furnishing Inaccurate Information : The creditor ( XXXX XXXX ) may have provided inaccurate or misleading information regarding the payment history and dispute resolution.

4. 15 U.S.C. 1681c ( a ) ( 4 ) : Reporting of Obsolete Information : If the late payments are outdated or unverifiable, they must be removed from the report.