23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Report Act XXXX, Account:XXXX from XXXX XXXX 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 an account without my written instructions.

15 U.S.C 166b A Creditor May not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason.

This account reported on my credit report is a fraudulent account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank of America did not remove a 30 and 60 day late payment on my credit history. The banks online payment system didnt process my payment then didnt notify me that my payment wasnt processed. My account hadnt missed a payment in almost 3 years. So it was out of character for my payment to go unpaid. I have spoke with BOA they had originally agreed to remove the delinquency.
Product: Mortgage

I have yet to receive any follow up on requests from the loan processor XXXX XXXX. Ive left messages with sales dept and on his voicemail now and yet he never responds. I always seem to reach out to the loan officer who contends he will do his best however the loan processor will call which he never does. Ive paid this company for almost 2 years with a mortgage with no issues and now Im starting to rethink my decision.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has been reporting a business account that was never my responsibility. Experian has not been able to delete the account, after more than a year complaining several times, even when the account was paid and closed. 

XXXX XXXX never provided any document bearing my signature, which was binding in any way regarding this paid credit card. 

The investigation has not been ever performed, and neither Experian nor XXXX XXXX have provided any proof with my bearing signature for the account to be in my credit file after more than 2 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit report to make sure everything was correct. When viewing all XXXX reports from XXXX, XXXX, XXXX and they are all reporting differently. Listed below is all the categories that show differently amongst all XXXX bureaus. I sent a letter informing GM Financial informing that the information that was presenting on credit reports is showing differenky on XX/XX/2023 and again XX/XX/2023. I would like for GM Financial to make sure all information reporting is corrected. I have already sent a letter to the bureaus to either update the account to reflect correctly or delete per per XXXX XXXX. PROTECTION OF CONSUMERS OF FINANCIAL SERVICES CHAPTER XXXX. FURNISHING FALSE CREDIT INFORMATION Listed below are all the categories showing differently : Date opened Last verified account status payment status comments date last payment no. of months ( terms ) Payment frequency
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX Equifax XXXX XXXX RE XXXX NOTICE - XXXX XXXX XXXX XXXX NON-COMPLIANCE REPORTING This is a NOTICE & DEMAND to equifax that the listed institutions ATTACHED have not conformed and are currently reporting in non-compliance with the following XXXX XXXX XXXX XXXX statutes XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX. Remove this inquiry immediately because this is the result of identity theft. XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report. 
XXXX. FDCPA Section 807 Violation Misleading False Reporting. XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX. FDCPA Section 807 Violation Misleading False Reporting. XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 



Sec. 6802 - Obligations with respect to disclosures of personal information ( a ) ( b ) ( c ) ( d ) Sec. 6803 - Disclosure of institution privacy policy ( a ) ( b ) For the record, I, XXXX XXXX HAVE NEVER received an INITIAL OR ANNUAL PRIVACY POLICY NOTICE from any of the ATTACHED reporting institutions as required by the GLBA statute ( s ) above, nor have I been given a chance to opt-out from my personal information from being shared w/ 3rd parties. Why does equifax allow these non-compliant institutions to report on my credit profile and put my privacy at risk? Until compliance with Sec. 6802-6803 of the GLBA can be substantiated, I DEMAND that equifax PERMANENTLY DELETE the following non-compliant ATTACHED account ( s ) within 3 days and forward to me a FULL updated credit report with these deletions to the address above By publishing these non-compliant account ( s ) on my credit profile and distributing them to 3rd parties you are INTENTIONALLY DAMAGING my reputation and credit worthiness. For the record, I will also file this complaint with my state Attorney Generals office and the Consumer Financial Protection Bureau ( CFPB ). Equifax are in direct violation of the GLBA act GLBA non-compliance penalties can be quite serious for financial institutions. They include both monetary fines as well as imprisonment. The GLBA non-compliance penalties include : A fine of up to {$100000.00} for each violation A fine of up to {$10000.00} for officers and directors of the financial institution In case of a serious violation, individuals may be imprisoned for up to 5 years Revocation of licenses
Product: Money transfer, virtual currency, or money service

PayPal responded to my previous complaint and there response does not address nor resolve the claims and contradictions made in there previous responses. As I was having difficulty adding a bank to my now limited PayPal account, An individual simply named " XXXX '' from the executive office department instructed me to send him a copy of my personal banking details so he could manually put the bank on file due to there multiple adjustments being ineffective. PayPal 's executive office received a copy of my personal banking information, only to review my bank account and deem it not currently supported by PayPal at the moment. It's sounds strange to me because I have friends and family who states there XXXXXXXX XXXX account and PayPal account are linked just fine. With that being said, in PayPal 's response they fail to acknowledge that I have attempted to add multiple bank accounts not just one from XXXXXXXX XXXX I'm curious to know if all the banks I tried are non supported as they are all being denied. If so, what is a PayPal supported bank account, and will I be assisted with finding one? Am I supposed to go about opening random bank accounts in hopes that one is PayPal eligible? Lastly in a response that PayPal gave me, they advised me to send my questions and concerns to the executive office via email XXXX. The one problem with that is I don't get a response to my questions or concerns, further more I don't even get a response when I respond to the conversation opened in the message center. I only get a response when I open a CFPB complaint. Why is that? Sadly I'm in the same situation I was in prior to opening these complaints. I currently can not add my bank account on file though they've made multiple adjustments to allow me to do so, I've given my personal details to XXXX who assured he would have it manually added for me to no avail, They claim my account is fine and the bank attempted was just a bad bank so I've tried alternatives with no success, Lastly I go to contact the department I was directed to contact via the method they provided ( Including XXXX ) only to receive no response. Is this proper and ethical?
Product: Credit reporting or other personal consumer reports

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the XXXX XXXX XXXX Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint because  XXXX  has ignored my request to provided me with the documents that their company has on file that was used to verify the accounts that I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA- they are required to " promptly delete all information which can not be verified ' that I have disputed. Please resolve this manner as soon as possible. Thank you.
Product: Credit card or prepaid card

There were multiple issues that I had with NetSpend this previous week. It starts on Monday XX/XX/2018 I realized that there were multiple charges that were made on my accnt that were not mine and I disputed such charges. I also disputed a charge for an ATM withdrawal where as usual no money came out and I was still charge the amount. So I disouted such charged that totaled over XXXX dollars and was advsd that I would get a provisional credit in 10 days. Ok thats fine however I called them to order a new card and paid to have the card express shipped, Which was done. However once I received the card I could not activate the card. I called in and was advised that the card was closed and my balance wa mailed to me which means that every dollar that I had no longer is accessible and once the credits are placed on the accnt that they are going to have to mail that check as well. All I am looking for is the money that belongs to be overnighted in a check to me and no more dealings ever with Netspend. This has been the worse exeperience ever.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's XXXX  XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX - XXXX, XXXX XXXX - XXXX
Product: Credit card

An inquiry from Navy Federal appeared on my account on XXXX XXXX XXXX, my information was not provided to do so, so this was done without my knowledge.
Product: Credit reporting or other personal consumer reports

XXXX XXXX account number # XXXX UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, I MAY PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT EX/RT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very upset over the credit report I recently received! This is totally out of control. I am amazed that the government allows you to make such obvious errors that damage people so badly. I am willing to do whatever it takes to make you responsible for poor reporting practices if you do not respond quickly and accurately to this letter. I don't know where you got the following accounts. These accounts are not mine. Its identity theft. Please remove it
Product: Credit card or prepaid card

In 2020, I made double payments to my capital one credit card. Unfortunately, the auto-payment was returned to me and I made an additional payment using my other account. The payment history shows as a 30 day late payment on my account. 

I've reached out to the company to investigate this and they say they are reporting factual information but I look at my statements and one of the payments was truly applied.
Product: Debt collection

I am writing this complaint because of several violations of the Fair Debt Collections Practices Act by a representative of National Commercial Services. Several letters that failed to make clear the debt have been sent to my address and in recorded phone calls made on XXXX/XXXX/16 the representative threatened to turn me over the Department of Transportation, increase the debt should I verify the veracity of the debt, failed to read the mini Miranda, sent correspondence to my email after I told her that she could not use the address for communication and called me on my cell phone without requesting permission to contact me at that number. 

I request that a full investigation of these violations of the law be made by your office and the appropriate actions against National Commercial Services take place. 

I can be contacted at the above listed number and address. 

Sincerely, XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

Second time I receive call at work from Manager caller ID says anonymous does not show company name only has happened the last two times previously I got call and caller ID said empire and listed phone number have not signed work authorization to receive calls at this job but I don't like getting anonymous calls at work from XXXX  at XXXX XXXX
Product: Credit reporting or other personal consumer reports

It has been a battle going through this and I am submitting this complaint to delete this fraudulent item in my file that are reporting on XXXX Credit Bureaus. I am a victim of identity theft and did not make the charge or the account. I ask that the item be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged XXXX XXXX XXXX showing on my credit report. I therefore request that you immediately remove this item from my credit report with your firm, or provide me with the exact source where you received such information, so I XXXX take appropriate legal action.
Product: Debt collection

To Whom It May Concern : I received an alert from Experian, XXXX  and XXXX  about an account being reported by XXXX. 

Please be advised I have requested validation { not verification } of an item reported to Experian by XXXX. I have received a response that clearly violates my rights according to XXXX. 

XXXX did NOT provide me a XXXX release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my XXXX  rights. I am proceeding with legal action as prescribed by law against XXXX should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation as well. 

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously as I have no idea where this debt is coming from and I do not owe this company any money.
Product: Credit reporting or other personal consumer reports

I was unaware that these companies was on my credit report as hard inquiries, which I did not apply to. I spoke to someone on XXXX about getting them removed. I sent documentation to them which they had failed to remove them unless I have an FTC report.
Product: Checking or savings account

On the afternoon of XX/XX/XXXX, I found that my Citibank mobile APP showed that my checking account and savings account balance was XXXX yuan. I thought it was a problem with the app system. The balance is XXXX yuan. I remember that my account should have more than XXXX US dollars, but the bank has already closed. Because I can't speak XXXX and didn't call the customer service number, it was around XXXX in the morning. XXXX XXXX and XXXX dollars in a savings account of XXXX XXXX and XXXX dollars and after the account was closed, I went to the bank to find a staff member to call a customer service phone, but I was evasive and it has been 17 days and still no answer...
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been a victim of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Name : XXXX XXXX XXXX Account Number : XXXX In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX # 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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

Recently I looked at copy at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my undestanding that you Will investigate these item for me tu ensure accuracy. 
Here is the item I am asking you to verify as accurate. 
XXXX XXXX XXXX
Product: Credit card

My husband tried to add me as an authorized user on his American Express card. He will be the sole provided for our family and we need a card that I can use in case of emergencies. He uses only his AMEX card for everything. I was denied to be added as an REF : XXXX XXXX due to the fact that I had an unsatisfactory account with them and due to my derogatory record I ca n't be added. This is after I have included this account in my bankruptcy almost 10 years ago. They did n't even mentioned that I included it in my bankruptcy and they transferred me to another representative to " SETTLE '' my account when it was already discharged back in 2008. They kept transferring me to different representative that I gave up and hung up.
Product: Credit reporting, credit repair services, or other personal consumer reports

Remove fraud alert. I did n't make it and I 'm not mailing you all that stuff.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/20 I sent letters to each bureau. I have not received a response yet. I feel like I'm being taken advantage of and being ignored about my disputes. Section 611 ( a ) plainly states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 50 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX I had run into financial difficulties. I contacted my lender and asked to change my payment date so that I had time to catch up. They agreed and sent me a confirmation and I paid off my loan. Now eight months after the fact they're trying to report me late for that month to the credit bureaus and taking zero responsibility for their actions. I want these people held accountable. This is unfair to 1. Report something falsely and 2. Report it 8 months after the fact especially since the account is paid off anyway. It's a slap in the face to people who are rebuilding their credit. This takes 3 years of good progress in building credit after a bankruptcy and throws it in the trash.
Product: Bank account or service

In XXXX I opened a checking 's account with Capitalone360. I was giving the option to add external account to fund the checking account. I add an account which I transferred XXXX into the Capitalone360 from external account. The bank blocked my account. They said there 's was a block due verification. I was fine with them verify me and asking questions. They verify me and said that everything was fine. But the account still had a block on it. I could n't get through to speak to anyone. So months went by and still heard nothing from Capitalone360. Not a letter stating what going on with account not even XXXX phone call. My money has cleared in that account and has been sitting with this bank on hold for months. I asked to speak with a supervisor multiple times. But I kept getting we put in the system for someone to give you call. I never received a call. I feel that this company does n't care for there customers. I put my money in the hands of this bank thinking I would handled a good manner. The customer service is horrible it take hours to speak to someone. And when they do answer its nothing but attitude. Its very illegal to hold someone funds over 30 days. Without any letter or bank statements. Still on XXXX XXXX, 2016 I still have n't heard anything. My funds are still being held.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX  VIA DEALER Address None Provided Record details On record until XX/XX/XXXX Inquired on XX/XX/XXXX Comment Auto loan.
Product: Debt collection

Spoke with representative about being a victim of false credit reporting and customer service refused to take care of it.
Product: Credit card or prepaid card

I am trying to transfer my credit card balance from American Express to XXXX for some reason American Express is not wanting the balance to be transferred. They have even been adding late fees for no reason. The first balance transfer request happened with discover on XX/XX/2018. Proof of timely payments to american express are included
Product: Checking or savings account

I discovered fraudulent activity on XX/XX/28 on my account linked to my debit card ( completely separate from the above issue ). Specifically, a {$150.00} had been charged at a XXXX XXXX in a town north of me ( that I've never been in ). Twice, Wells Fargo has denied my claim for the money that was stolen from me, attesting that - despite my never having been in the area the money was paid to, despite never having any records of going to the veterinary clinic the charge was listed at- I made the {$150.00} dollar charge despite my protests. I had to call many times to get this case moving, and never heard back on the update ( I had to call them to ask the status of my claim after having it appealed ). After months of fighting them, they have recommended I now go to the police to get the funds recovered, when it should be their job as my bank to protect me. Theyve done no investigation or research into how this person got my information in the first place, leaving me in the dust with no advice other than to cancel my old debit card ( which I did do ).