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. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. Or 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

This is my 4th attempt to dispute the information in my credit file which resulted from an alleged identity theft. Again, Im sending over an identity theft report # XXXX. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to block or remove any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX Date Opened : XX/XX/2015 Balance : {$9500.00}
Product: Debt collection

At XXXX XXXX. ET on XX/XX/2021 i received a call from XXXX XXXX XXXX XXXX. Stated he was from Mobil Loans and said I owe $ XXXX and we could take care of that with a debit card today. I informed him we filed bankruptcy last XXXX. He asked if they had been included and I told him yes. He said " let me look at our other system '' and then said yes, he saw that it was filed. Then he asked if it had been discharged and I told him not yet. 

On XX/XX/2021 at XXXX p.m. ET I received a call from the same number. Stated his name was XXXX from Mobil Loans and my balance is $ XXXX and I told him we filed. He then stated he was just following up where i said i had filed the bankruptcy. I told him yes we had filed and not to call me again or I would report them and I hung up. 

I have the call records saved to my phone. I was a collector for two years and I know when someone said they filed bankruptcy, regardless of whether they provided their attorney info, case number or not, it was " cease and desist '' and we stopped calling immediately. 

Why did they even call the first time when their " other system '' shows we had filed, and they had obviously been notified by my attorney or the court? I feel harassed!!!
Product: Credit reporting or other personal consumer reports

This have been following me ever since I had my information stolen during the XXXX data breach. Please help removing theses accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has Reported two credit cards that were opened in my name fradulently! I have not given written consent for them to report on my behalf. Also one closed account in XXXX are still reporting late payments and are closed! I need this removed and receipt of the removal
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone fraudulently requested a credit limit increase on my US Bank credit card on XX/XX/2022 and I got a hard inquiry. I did not authorize it.
Product: Credit card

XX/XX/2024 i attempted to login thru their APP. According to the XX/XX/2024 statement they are CHARGING ME INTEREST TWO TIME FOR TWO DIFFERENT CATEGORIES. 1st i have not made any CHARGES utilizing this card recently, NOR have I made any BALANCE TRANSFERS, therefore i can not be LEGALLY CHARGES for Making A balance transfer XXXX XXXX XXXX XXXXXXXX months ago PLUS be charged for making a PURCHASE ALSO!! Also displayed in the very same statement is SAYS CARD IN RESTRICTED STATUS. Do to previous problems with making a payment from my husbands accounts & BOA NOT PERMITTING me to access MY Credit Card thru their APP, & same thru their web portal. When i called a spoke with a REPRESENTATIVE WHO DISTINCTLY STATED TO ME THEY WOULD TURN MY CREDIT CARD WITH {$450000.00} CR LIMIT BACK ON SO IT MAY BE USED & ALSO DO SAME FOR APP & /OR WEB PORTAL ACCESS for me to view & pay thru EITHER this has not be do e. Last time i called BOA & again spoke with their representative they stated to me I had to REAPPLY FOR SAME CREDIT CARD. Why dies a bank permitted to Blatantly OUTRIGHT LIE TO CUSTOMERS/CLIENTS & the government in this USA NEVER PERSUE CRIMINAL CHARGES & FINES PLUS PENALTIES, NOR DO THEY REQUIRE SAME BANK TO DO WHAT THEY TELL CUSTOMERS/CLIENTS? I paid money on my account today XXXX I HEREBY REQUEST THAT BOA & MAKE GOOD ON ALL I HAVE BEEN TOLD IMMEDIATELY and FULLY AND COMPLETELY RESTORE MY ACCOUNT TO FULLY FUNCTIONAL PLUS ABATE THE ADDITIONAL PURCHASE INTEREST THEY ILLEGALLY CHARGED ME.
Product: Checking or savings account

On XX/XX/XXXX I made a transaction for {$790.00} which posted on the XXXX, however the merchant claimed they didn't receive payment and tried charging my account multiple times after. i reported the transaction and even did a 3 way call with the merchant and a representative from Sofi bank and the merchant told the sofi rep that they never received the funds. They later admitted that they did receive the original payment but only after they double charged me. 

At first I was told by a sofi rep that I would be getting a provisional credit if they can't complete the investigation within 10 business days, the 10 business days passed a long time ago but now sofi says it can take 90+ days to complete it's investigation and that this type of dispute doesn't qualify for a provisional credit. I requested an explanation and even quoted the EFTA and Regulation E sections on error resolution procedures and they completely ignored the request and replied by telling me it doesn't qualify. 

On XXXX XXXX the merchant charged me {$790.00} again using another form of payment because they said they still had not received payment for the XX/XX/XXXX transaction. The merchant 's support later admitted to double charging me as they apparently found the original payment. The merchant did not return the either of the charges. I sent copies of my communications with the merchant and the double payments to sofi but they still have not helped me resolve anything. I've been hung up on by supervisors after waiting on hold for over an hour just to speak with them.
Product: Credit reporting or other personal consumer reports

Scammers had acres to my information after several data breaches that resulted to find being taken from cards still in my possession, transactions I never approved or recognized from locations I never traveled to our did business from.
Product: Credit card or prepaid card

As of the statement on my Amex Blue Cash Preferred ending on XX/XX/2023, there was a statement balance of - {$28.00}. As of XX/XX/2023, American Express has failed to refund me my money. This is theft.
Product: Mortgage

I XXXX XXXX had on two separate occasions submitted a loan modification to my mortgage servicer XXXX XXXX XXXX. In XX/XX/ 2019, after clearing waiting for an answer from the previous modification package, I was told that title did not clear due to a lien against my property. I had to do my own research to find out that my divorce attorney never filed a release on his file after being paid in full. I then resubmitted a totally new application, and while it was in final underwriting review, the loan servicing rights were transferred to Mr. Cooper, formerly XXXX XXXX XXXX XXXX While I was going through my divorce, my house went into foreclosure. I am not financially able to afford a restructured mortgage payment, yet Loan Depot violated every right I maintain under the Fair Debt Collection Practices Act. I have requested a clean mortgage assistance package to be either mailed to me or by email to resubmit a new modification package, and even asked the attorneys for the mortgage servicer to help me obtain this modification application. I need my rights protected and request a mortgage assistance application to be emailed to me immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I began my dispute with XXXX XXXX XXXX, XXXX XXXX XXXX and NCB Management Services in  XX/XX/17. I disputed these items because I don't feel that they are being reported in compliance with FACTA, the Fair Credit Reporting Act and the Fair Debt Collection Practices Act.
Product: Credit reporting

Transunion has not deleted XXXX collection accounts from XXXX XXXX even though the collection company sent them a request to delete the items. I have spoken with XXXX from XXXX XXXX and he has verified twice now that the request was submitted to Transunion to delete the items. When I called Transunion and spoke with a CS about it there was no resolution sought or offered.
Product: Debt collection

I sent a letter to XXXX  asking for : 1.Validation of the debt-that is, the actual accounting.

However, according to 15 usc 1692e, is usc 1692d, and 15 usc 1692B. 
Not use any language or symbol or any envelope or in the contents of any communication effected. By the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt.
Product: Credit reporting or other personal consumer reports

I have no connection to the creditors mentioned, and the inquiries are not mine.
Product: Credit reporting

The issue is with Credit Karma. They are a 3rd party agency that gives out false information determines there own factors in credit scores and misrepresent the true score. My credit score changes with them almost daily and goes down even though there is no movement or nothing has changed on my credit report. These kinds of site should be put out of business for reporting false information and leading people to believe what they are reporting is true and accurate when it is not.
Product: Credit reporting or other personal consumer reports

I found several billing discrepancies on my credit report, specifically late payments that aren't in line with my usual record. Please make the needed corrections to my account.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBERXXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I have previously filed a complaint through the consumer financial protection Bureau # XXXX and it seems like nothing is being done to stop the harassment and the illegal fees and trumped up interest charges by the firm XXXX XXXX XXXXXXXXXXXX XXXX XXXX Department and XXXX. This is illegal and the CFPB needs to look into the illegal charges of interest because the one with deep pockets feels like they can get away with such harassment. I had a XXXX credit card which was negotiated and paid in full back in XXXX. I filed a complaint through CFPB because after all these years XXXX XXXX XXXXXXXX XXXX XXXX XXXX began harassing me letters of interest and fee on a debt that was paid and settled years ago. I received a bogus explanation that the stipulation was not signed and returned which was a lie. If the stipulation was not agreed upon why was the payments received and the debt was paid off. if this matter is not resolved IMMEDIATELY I will be filing a defamation, negligent enablement of identity fraud, violation of fair debt collection practices act including but not limited to section XXXX lawsuit not only against XXXX but also against XXXX XXXX XXXX XXXX XXXX Department who is misrepresenting the claim to further the recent trumped up charges of almost {$5000.00} is alleged fees and interest to further a recent suite filed for wage garnishment. This a violation of the FAIR DEBT COLLECTION PRACTICES ACT AND OUR GOVERNMENT NEEDS TO STOP THIS HARASSMENT OF SUCH ILLEGAL SALE AND PURCHASES OF DEBT AND THE CONTINUOUS LIES TO CONTINUE THE COLLECTION OF FEES AND INTEREST CHARGES.
Product: Mortgage

Loan depot charge me appraisal fee wit out my consent and told me we will refinance by XX/XX/XXXX XX/XX/XXXX
Product: Debt collection

Navy federal credit card XXXX Unfortunately 2017 I was a victim to identity theft, since then Ive sent out proof of documents to each credit bureau showing police report, since then these things are still popping up on my credit report. At this point dont know what to do. Please remove this matter at your earliest convenience. Thank you!
Product: Credit reporting

Hello, In regards to : Name : CREDIT ONE BANK Acct # : XXXX - This item is currently under investigation. You should receive the results of our investigation soon. 

I am demanding that you remove this item from my CR. This has been under investigation for well over 90 days with no update and I have continually reported this as inaccurate. I will be filing another Attorney General complaint against EQUIFAX if you do not comply with my request! 
XXXXXXXX - This account does not belong to me. You have not proven such and again, this Collection account should be removed from my report under EQUIFAX immediately! I did not pay XXXX a dime of my money for any account, because I have never had XXXX as a provider. REMOVE THIS NOW! 

Also, there are a number if Credit Inquires that you have allowed to take place with your company, which no other CRA has been as shady to allow. Your company is horrible! 
These inquiries should be taken down immediately - or you need to supply me with PHYSICAL documentation showing just cause as to why these inquiries are on my report with you. If you can not, these inquiries are to be removed pronto : XXXX - XXXX/XXXX/XXXX XXXX XXXX XXXX - XXXX/XXXX/XXXX XXXX XXXX - XXXX/XXXX/XXXX XXXX - XXXX/XXXX/XXXX XXXX XXXX XXXX - XXXX/XXXX/XXXX XXXX - XXXX/XXXX/XXXX XXXX - XXXX/XXXX/XXXX XXXX - XXXX/XXXX/XXXX XXXX - XXXX/XXXX/XXXX XXXX - XXXX/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: Debt collection

I paid my co-pay and XXXX XXXX paid their part of the bill. These are extra charges never billed to me but ended up on my credit report. The Collection Agency had removed these charges but put them back on my credit report after I paid XXXX XXXX XXXX Hospital bills.
Product: Credit reporting or other personal consumer reports

I am filing a compiaint against Equifax for failing to properiy investigate my aisputes regarding inaccuracies in my credit report.

Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts that I have marked inaccurate XXXX XXXX XXXX For {$380.00}, {$890.00}, and {$2500.00} and XXXX XXXX XXXX {$1300.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

i've been disputing this account XXXX/XXXX  # XXXX with EXPERIAN this account is plagued with errors wich they refuse to fix and keep updating with erroneous information, the account was paid in full before closing and i have the statement to prove my dispute is valid.

In accordance with The Credit Reporting Act Everything has to be 100 % accurate on my credit report. The Credit bureaus stated my account was properly investigated, but how is that possible if the open date is inaccurate, the payment history is innacurate, the date last active is inaccurate, and date last reported is not accurate.they also violate my rights under 15 U.S.C 1681 section 602 A.

this is not a duplicate complaint, it has not been resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

Requested Equifax, XXXX and XXXX multiple times to remove XXXX accounts listed on my credit file. 
The CRA 's consistently reply that the investigation for accounts is accurate and will remain. 

The accounts in question form XXXX show different dates of 1st delinquency on accounts. Now the accounts show that they are newly opened accounts. How can this be? ; they are old charged of accounts, and are now more than six years old. In Massachusetts, accounts older than 6 years of age should be removed from the consumers file. 
Please refer to attached Equifax credit reports. One can clearly see the manipulation of accounts by the furnisher of data ( XXXX )
Product: Checking or savings account

I contacted Bank of America regarding a refund placed on my Bank of America credit card from XXXX. Bank of America advised since the funds were placed on a closed credit card they would need to issue a refund payment. I was then transferred to customer service from credit card support. Once connected to customer service, the agent advised that they would issue a refund and I asked would it be in a form of direct deposit into my account or a check, the agent advised he did not know for sure and he needs to process the request first, I asked how would I be updated regarding next steps he confirmed through the online banking center on the app. I confirmed my address with the customer service agent apartment XXXX when I was speaking with him today I was notified by USPS informed delivery that Bank of America sent out the check from Arizona. 

Today I called customer support and spent 35 minutes holding for an agent to only be told you need to speak with credit card customer service. I told the agent that is not true based off my prior communication. I also advised I want to make a complaint regarding the customer service agent Who gave me wrong information. Keep in mind this was a 55 minute call I had to disconnect. The agent did not seem to know what to do regarding this and told me he was speaking with upper support on how to handle this lots of dead air and hold time on top of the long hold time to get a live agent pathetic anyway The agent eventually said he wanted to give me an executive email and I advised Im not gon na do your guyss job to escalate an issue. Your agent messed up long story short this still has not been resolved and I had to hang up because Im not going to sit on the phone with incompetent agents. This is a major compliance issue. 

I want you guys to pull every single call in the customer service Ive made regarding this and coach agents accordingly this is a horrible experience for not only myself, but for other potential Bank of America customers who are already frustrated sitting on hold for so long.
Product: Credit card or prepaid card

called capital one explaining i finally have some income coming in while in pandemic and had been unable to work. tried to work out a lower minimum payment and to set up a plan to stop using card until it was paid off, and they were not willing to accept anything other than what they offered, which was unrealistic and un-affordable at this time.
Product: Debt collection

Debt showed up on my credit without following fdcpa There was no letter to give me the option to dispute. 
Letters were sent to requesting debt validation in XXXX, XXXX, XX/XX/2023 and no response. 
Address for this company is saying undeliverable.
Product: Mortgage

i have taken a mortgage from HSBC Bank USA to finance aquisition of Apartment in XXXX, i had to come to XXXX and want to sublease the apartment, according to mortgage agreement i need to seek HSBC banks approval to sublet and as per agreement such permission will not be unduly with held, despite my repeated written requests and several phone calls from XXXX to seek this approval HSBC has not granted this approval.
Product: Credit reporting, credit repair services, or other personal consumer reports

The current and previous address XXXX XXXX XXXX that is reporting with Experian is inaccurate. I have called Experian several times to get this address removed off of my credit report and still have not had any luck at all. I need this to be removed immediately as the other credit bureaus XXXX and XXXX have already removed the inaccurate address.
Product: Credit card

American Express agreed to credit my account with XXXX points after XXXX in purchases were applied to my account in the first XXXX months. This agreement was based upon a promotion at the time I agree to sign up for the card. I have not received the XXXX points.I have contacted the company XXXX regarding this matter over the last XXXX billing cycles and I still have not received the points. 
The delivery of the card was delayed XXXX and I was promised a XXXX point credit for the oversight and delayed delivery. I never received the XXXX points.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked experian XXXX and XXXX several times to investigate my credit profile with my disputes. if these accounts are not removed from my report immediately, I will take legal action against you as my right under federal law.