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 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 card

I was sent an active credit card ( XXXX XXXX XXXX XXXX ) from Bank of America in the mail that I did not apply for or approve. 

I called bank of America to report the fraud and ask why the card was opened. They did close the account but gave no explanation of why it was opened in the first place.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello so on XX/XX/2022 I mailed a letter regarding inaccurate and unverified things on my credit report. to this day over 60 days later I have not received a response yet. I feel like I'm being ignored for my disputes by you all and them. I demand these accounts be deleted immediately or I will file for litigation because of the XXXX you caused me. My information was also affected by XXXX and the XXXX data breach and may have gotten into the wrong hands.
Product: Vehicle loan or lease

Account Number : XXXX Dear Sir/Madam, I am filing this complaint regarding Credit Acceptance Corporations inaccurate reporting, failure to provide complete disclosures, and violation of consumer protection laws, as supported by the attached documentation.

1. Inaccurate Reporting of Account Details Issue : Credit Acceptance reports my account as delinquent with a {$13000.00} derogatory balance, despite the account showing a {$0.00} balance after voluntary repossession of the vehicle. 
Violation : This contradicts XXXX XXXX compliance standards and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 ( b ), requiring accurate reporting of credit information.

2. Repossession Without Adequate Notice Issue : The vehicle, a XXXX XXXX XXXX, was in a repair shop for over three months due to financial constraints. Credit Acceptance repossessed it during this period without transparent communication or adequate notice, contrary to applicable laws.

Reference : Attached is the Notice of Repossession dated XX/XX/XXXX, detailing repossession costs and a reinstatement fee that did not reflect a proper breakdown of amounts due. 

XXXX. Gap Insurance Cancellation and Refund Discrepancy Issue : I canceled my GAP insurance policy in XXXX, but no adjustment or refund was applied to my account as required. 
Request : Provide evidence of proper handling of the GAP cancellation and ensure any owed refunds are processed.

4. Violation of Consumer Rights and Inadequate Response to Disputes Issue : Despite submitting disputes regarding account errors, Credit Acceptance failed to investigate and resolve them promptly and transparently, violating FCRA mandates.

Supporting Documents : Refer to the signed contract and attached notices highlighting discrepancies in reporting and communications.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent personal information correction correspondence to XXXX, Equifax, and XXXX to update my credit profile and they yet continue to violate my consumer rights. 

Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections.

There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy
Product: Credit reporting, credit repair services, or other personal consumer reports

A dispute letter was sent out to Transunion on XX/XX/XXXX disputing an account from the XXXX XXXX XXXX XXXX It popped up on my credit report fraudulently. Also, I called and spoke with a representative at Transunion about the fraudulent account. I didn't receive a response back from Transunion until XX/XX/XXXX. Which stated they investigated the accuracy of the account and it remains on my credit file. No information was given to me by Transunion of what information validated that this was indeed my account. No signed contract, no proof of identification, no signature from myself, no balance owed and no evidence that this was my account period. I only received a copy of my report.
Product: Credit reporting

On or about XXXX XXXX, I begin monitoring my credit scores from TRANSUNION. My scores have continue to drop, with no justification for such a drastic drop. TRANSUNION is the only credit reporting agency that continuing reporting very poor credit scores. 
On XXXX XXXX, XXXX, I received the lowest credit score ever reported. TRANSUNION continues to be non responsive to many disputed letters and even has been non responsive to a complaint submitted to Consumer Finance Protection Bureau. It has been noted that several creditors have reviewed credit scores received from TRANSUINION, resulting in several creditors denying approval on great credit rates. TRANSUNION continues to label me as a high risk or bad risk with no justification. Why is the system allowing TRANSUNION to continue to degrade me, why are creditors continuing to accept what TRANSUNION report as gospel. Why is the Consumer Finance Protection Bureau or the organization that oversees credit reporting agency 's actions allowing them to continue to report very poor /poor credit scores, without justification? The other credit reporting agencies have shown great improvements in my credit scores. 
Having reviewed latest credit reports I found that there is very little differences in what each agency is showing on credit reports.
Product: Credit reporting or other personal consumer reports

All three credit bureaus XXXX, Experian and XXXX override my disputes on fraudulent and inaccurate accounts on my credit report, I have submitted numerous disputes but with no explanation they continue to rule against me. This has destroyed my credit and business and living Oppurtunites. I am in the process of filing a class action lawsuit and will be filing a complaint with the Federal Trade Commission. 
I am a government employee and I had to freeze my credit just to try and protect myself, one case I paid off my home and they decreased my credit score they penalize me for not having a large amount of debt, need help!
Product: Mortgage

Can not get a lien release from champion mortgage. They claim to have no record of me but I have a title search that shows they are a lien holder. I have had the same house and have always made payments. I believe this occurred when I refinanced to another company. They even filed the lien with XXXX county in which I live. I have tried numerous times to talk to them and they just redirect me to another company. I don't know what else to do?
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports and need to delete immediately : XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX/XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX
Product: Bank account or service

I used to have a a Merchant credit card services through them, but the contract has been expired and I call them and I get a return address from them and I mailed the product back to them. Last month I check my account and they still taking money from my account and I told them to stop and i call XXXX XXXX bank and I ask them to step in. I never receive any feedback from them. 
this is the Merchant ID : XXXX and this is the lease number : XXXX and this is the USPS Tracking # XXXX XXXX XXXX XXXX XXXX XXXX I got the return address from them and I took it and stick it in the return box. I call them and explain to them and they try to tell me the merchant went to a wrong place. i ' m getting sick and tired of this game I need help because they are not happy with me because ii report the wrong doing they have been done to people in this country. I is a rigged system and I ask for help and I deserve to be protected. it is wrong and wrong
Product: Student loan

My husband graduated during the recession, had to defer for a few years because the job he got for his career could not afford the payments Navient/XXXX XXXX was saying he needed to pay. Went to grad school and graduated in XXXX 2015 and had to start making payment on the undergrad student loans, first payment being XXXX 2015. Filled out paperwork that rep said we qualified for a program to lessen the amount we had to pay monthly from {$1200.00} to {$850.00}. Called to set it all up and they said the new amount would be {$900.00}. This is half of his annual salary and is no way we can afford that. They have not been returning phone calls or willing ot work with us and have a lesser monthly payment. We want to make these payments but they are causing a lot of financial hardship because they are not being flexible. We need help with the monthly payments and they wo n't ever help us or give us a rep that who knows what they are talking about and being very unforgiving even though we want to make payments that are affordable.
Product: Credit card or prepaid card

My bank of America business card was involved in fraud where over XXXX dollars was spent in XXXX Florida ( I live in XXXX, TX XXXX between XX/XX/XXXX and XX/XX/XXXX. I was able to catch the fraud on XX/XX/XXXX and notified the bank before some transactions had posted. Bank of America has denied these fraud claims. My attempts. Not a single call was made by them, to me to request any additional details. They just closed the case without reimbursing the fraudulent amount. 

Here they are, all around XXXX, Florida XX/XX/XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

I had water damage to my floor and my insurance company sent me a check for {$14000.00} for my claim to repair my floors. I submitted the packet of paperwork on XX/XX/22 to Celink, the company my mortgage company hired for Loss Draft issues and insurance claims. The paperwork included the check I endorsed as they requested. I called them about a week later to make sure they received my tracked documents I sent via XXXX. They said they did but didn't receive my check. I got very angry as it was in the packet. Then they told me they found it. Supposedly, they open an escrow account to place the money in until my repairs are all completed and all paperwork filed. On XX/XX/22, my paperwork and inspection were all completed and Celink verified this.Then they said that it takes 5 days for the paperwork to be examined and then 10 days after that to process the check.When I called them XX/XX/22, they told me that the 10 days for them to send me my check would be XX/XX/22. I called on XX/XX/22 and they said that it was being processed. I asked to speak to a supervisor and her name was XXXX. She told me that my check would be mailed on XX/XX/22 and I would be able to put it in the bank on XX/XX/22. I have a tracking number for XXXX but there is no action on this yet and it is XX/XX/22. I reviewed this company online and they have bad reviews and complaints. I called on XX/XX/22 and they told me it would be another 3-5 business days. I have complied with all of their requirements and they won't release my money that is mine. I feel I am being scammed and I need some help to get my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity fraud in XXXX XXXX, at which time XXXX credit inquiries were made to Equifax but not authorized by me : 1 ) XXXX XXXX XXXX XXXX on X/X/2017. 2 ) XXXX XXXX on X/X/2017. <P/>On several occasions I have sent information to Equifax documenting identify theft and have enclosed letters from both XXXX XXXX XXXX and XXXX which verify that these inquiries were fraudulent. I will upload the documents I have sent. <P/>Each time I receive a nonsensical reply from Equifax that truly indicates that my concerns were not taken seriously. Equifax is quick to add this information to my credit report but is refusing to remove it despite evidence that it is fraudulent. <P/>Equifax needs to remove these two fraudulent inquiries promptly. They are having a negative impact on my credit score. <P/>Thank you. <P/>XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent you multiple letters disputing these accounts. The first letter I sent on XX/XX/2020 asking for you to verify these accounts you responded with verified. I sent you a second letter on XX/XX/2020 I asked you to provide me with account level documentation from your investigation and on how you verified these accounts you responded again with verified which is an unacceptable response under the FCRA I have a right to any and all information used to verify any account added to my Consumer report please provide me with the documentation used to verify these accounts or delete these accounts immediately! 
XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX
Product: Debt collection

I received notice of a collection from XX/XX/2012. I have since paid the debt in full. When I asked for proof of debt I received a form with a man forged signature and the witness signature was also forged and even dated wrong. I asked them to remove the collection from the XXXX credit bureaus and their response was yes. They stated that they would contact XXXX and have it removed. This was several months ago and it still remains on my credit report.
Product: Checking or savings account

Hello. I am desperate. 
I filed my taxes on XX/XX/XXXX, was approved for the refund advance through Credit karma and upon checking if it had been deposited I saw that my account was closed.

I reached out to credit karma and provided them all the documents they needed to mail a check to me ( ID, SS card, mail with my current address ).

They still havent sent my check. I call/ chat/ email them everyday. I have had a case number that Ive provided each time and they give me the same answer every time your case has been escalated someone will reach out Via email When they reach out via email, which is only about XXXX XXXX a week, they always give me the same story they are waiting to hear from Their bank of records and the request for your check to be sent has been sent to our bank Of records I am waiting for my check for {$3800.00}
Product: Debt collection

I received a one time letter ( debt collection document dated XX/XX/21 ) ) from a McCarthy , Burgess & Wolff, agency located on XXXX XXXX, XXXX, Ohio. I simply though they send a letter to the wrong person. I haven't heard from said agency since the receipt of the letter. 

I was to be certain this is not some of scam, the reason I'am filing this complaint.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the reporting of a fraudulent account under the name XXXXXX/XX/XXXXXXXX ) on my credit reports with Experian XXXX XXXX XXXX and XXXX XXXX This account was opened as a result of identity theft, without my knowledge or consent. I demand the immediate removal of this account from my credit reports and request a thorough investigation into this matter, as well as appropriate compensation for the damages caused. 

Issue Identified The XXXXXX/XX/XXXX account reporting on my credit reports is not mine. It was fraudulently opened due to identity theft. I did not authorize any transactions or communications with XXXXXX/XX/XXXX, nor did I receive any services or products associated with this account. 

Discrepancies in XXXX XXXX. Experian : Was 30 Days Late XXXX Time ( XXXX ). 
Was 60 Days Late XXXX Time ( XXXX ). 
Was 90 Days Late XXXX Time ( XXXX ). 
XXXX. XXXX and XXXX : Was 30 Days Late XXXX Time ( XXXX ). 
Was 60 Days Late XXXX Time ( XXXX ). 
Was 90 Days Late XXXX Time ( XXXX ). 

The inconsistencies in the reporting of late payments among the credit bureaus further highlight the inaccuracies and confusion caused by this fraudulent account. 

Violations and Impact The presence of this fraudulent account on my credit reports violates my rights under the Fair Credit Reporting Act ( FCRA ) and has caused significant harm to my credit profile. The inaccurate late payment history and fraudulent account negatively impact my credit score and overall financial standing, potentially leading to denials of credit and other financial services. 

Applicable Laws and Regulations XXXX. 15 USC 1681c-2 - Blocking of Information Resulting from Identity Theft : This provision allows consumers to request the blocking of information resulting from identity theft. I am exercising my right under this law to request the immediate removal of the fraudulent account from my credit reports. 
XXXX. 15 USC 1681i ( a ) ( 1 ) ( A ) - Reinvestigation of Disputed Information : Mandates that consumer reporting agencies must conduct a reasonable reinvestigation when a consumer disputes the accuracy of information, including accounts opened as a result of identity theft. 
XXXX. 15 USC 1681e ( b ) - Accuracy of Report : Credit reporting agencies must follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual. The inclusion of this fraudulent account violates this requirement. 
XXXX. 15 USC 1681s-2 ( a ) ( 1 ) ( A ) - Responsibilities of Furnishers of Information : Prohibits furnishers from providing information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate or resulting from identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX {$7100.00} XXXX {$780.00}
Product: Checking or savings account

Our business has a well funded checking account for more than two years. We have been cut off from accessing that account through credit card and debit card access. Also, we applied to Bank of America for a XXXX loan, which was granted, but after requesting forgiveness through our website login, we have received no documentation for a year. When contacting Bank of America, they claim that they have no ownership, knowledge, or any information. When calling the number that they provide, the people have no knowledge at all of any loan.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed i had a fraudulent account on my report. Please remove this account from my report it is hurting my ability to obtain credit
Product: Checking or savings account

TD Bank In less than 2 months, most of it in just 1 month, more than {$500.00} were taken in fees from an account that never even had a balance as high as {$500.00}. 

This has to be too much. They are basically robbing me at this point. 

From late XX/XX/XXXX to current.. last attempt at escalation to highest XXXX XX/XX/XXXX. 

I spoke to XXXX XXXX then a rep at a branch.. then XXXX at Branch where my Account now is located at a town in NJ I can later specify. 

They insist inability to change policy.. while I understand that a few times I dropped below XXXX and on those occasions apparently a few things hit same time.. this can not be a proper rationalisation for continuing to take most of my money, especially considering I am out of work. 

I hope there is some check on this behaviour.
Product: Debt collection

Hospital did  not correctly bill  XXXX  or supplemental insurer.   I am subscriber in good standing to both.   I had previously complained to billing hospital.