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

I am writing to request that the following accounts and inquiries be blocked and deleted from my credit report due to fraudulent activity associated with a data breach. As a victim of this breach, I am invoking my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) to have these accounts and inquiries removed from my credit file. 
The following accounts should be blocked and deleted : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

I demand these account be removed immediately! These accounts have violated my rights to privacy pursuant to USC 15 1681. XXXXXXXX XXXX XXXX XXXX XXXX XXXX have violated my right and I sent them multiple cease and desist letters without prevail. Make sure they receive them and delete these accounts of my consumer report! 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. 


Attached is the cease and desist letters for both companies!
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report.

1. 15 U.S. CODE 1692e - False or misleading representations XXXX XXXX Account Number : XXXX Update to Open/Never late 2. Unpaid balance reported as a loss by credit grantor XXXX XXXX Account Number : XXXX Update to Open/Never late 3. there is some inaccurate information reporting XXXX XXXX Account Number : XXXX Update to Open/Never late 4. there is some inaccurate information reporting XXXX Account Number : XXXX Please remove it from my credit report. 


5. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Delete from my credit report. 


6. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Delete this account. 


7. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX  Account Number : XXXX Delete from my credit report. 


8. there is some inaccurate information reporting XXXX XXXX XXXX Account Number : XXXX Delete from my credit report. 


9. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


10. 15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX  Account Number : XXXX Delete this account. 


11. there is some inaccurate information reporting XXXX XXXX Account Number : XXXX Delete from my credit report. 


12. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX  Account Number : XXXX Delete from my credit report. 


13. 15 U.S. CODE 1692e - False or misleading representations XXXX  Account Number : XXXX Delete this account. 


14. 15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX  Account Number : XXXX Please remove it from my credit report. 


15. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX Account Number : XXXX Delete from my credit report. 


16. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


17. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


18. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter last XX/XX/XXXX to remove the following items listed below that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block these items not later than 4 business days. Ive already included this in my previous complaint & I am including it again. 
XXXX XXXX XXXX XXXX XXXX  XXXX, TN XXXX, XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX, XXXX XXXX XXXX XXXXXXXX, TN XXXX, XXXX XXXX XXXX Balance : {$480.00}, XXXX XXXX Balance : {$150.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$760.00}, XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$5800.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$760.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$190.00}, 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
Product: Credit reporting or other personal consumer reports

BMO bank made a derogatory report to credit bureaus. 

1. After making an online payment for a BMO credit card on XX/XX/XXXX, I received a confirmation number. 
2. On XX/XX/XXXX I made another scheduled payment and received a confirmation number. 
3. On XX/XX/XXXX I received a letter from BMO that was written on XXXX of XXXX, stating my account is late and payment is due in 2 days! 
4. Calling BMO customer service/collection department, I was advised the XXXX payment was not received. 

XXXX representative also said that " ..she can see payment attempt was made with XXXX XXXX. but due to the fact they were changing from Bank of The West to BMO, there were a technical issues on their end and the payment did not get properly credited to the account '' She said that if I make the payment again, while on the call, the account will be all sorted out. 
Asking about derogatory report to credit bureaus, she replied there are none. 

5. Though the error is clearly BMO 's, they took liberty on XXXX of XXXX, having been paid twice yet only processed one payment for XXXX, to file a derogatory report on XX/XX/XXXX. 

In 33 years of having credit history in the USA, I have not had a single late payment. 

Summary : XX/XX/XXXX BMO issued confirmation of payment # XXXX [ this is they were having technical problems processing due to change from Bank of The West ] XX/XX/XXXX BMO issued confirmation of payment # XXXX XX/XX/XXXX BMO issued confirmation of payment # XXXX [ replacement for XXXX XXXX, made with customer service ] BMO should issue an immediate retraction of derogatory report to all bureaus and send me a copy of the action taken. 

Thank You!
Product: Credit reporting or other personal consumer reports

I disputed the following accounts on my credit report, as I do not recognize them : XXXX XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXXXX/XX/XXXX Account Number : XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXXXXXX Account Number : XXXX XXXX XXXXXX/XX/XXXX XXXX Serv Account Number : XXXX Despite my dispute, the reporting agency failed to conduct a proper reinvestigation or verify the accuracy of these accounts, as required under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i ( a ), which mandates that the agency must investigate disputed information and remove it if it can not be verified within 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

Received Hard Inquiry all 3 credit reporting agencies on XX/XX/2020 from Capital One/Cabellas. Was given a phone number of XXXX, but is disconnected. I did not apply for any type of credit in the last year and this may be someone trying to steal my identity.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was unemployed and not receiving unemployment benefits because of the intensive wait due to the pandemic. I initially a benefit that I purchased on my credit card which is credit protection. However, my payment was reported as late. 

Per the cares act the account is supposed to report as it was prior to delinquency if arrangements were made. 

XXXX XXXX XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written Experian and submitted online disputes regarding incorrect information on my credit file. I even purchased a subscription and that is a total waste of money. I filed disputes with all three credit bureaus and Experian is the on credit bureau that is not removing the inaccurate information. I spoke to a XXXX today and he told me that Experian was not removing the incorrect addresses because they are being reported by creditors. This is very pathetic that I have to keep going through this.
Product: Credit reporting or other personal consumer reports

I am writing to dispute inaccurate information on my credit report regarding accounts that have been marked as late payments. After thoroughly reviewing my records, I confirmed that these accounts were, in fact, paid on time.

This incorrect reporting has negatively impacted my FICO Score. Under US Law 15 U.S.C. 1666b, pertaining to late payment remarks, I am entitled to a fair and accurate investigation of disputed items on my credit report. I kindly request that the status of these accounts be corrected to reflect timely payments.

I urge you to investigate this matter promptly and make the necessary corrections. Thank you for your attention and timely resolution of this matter.
Product: Credit card or prepaid card

I was sent a Visa gift Debit card for {$100.00} when I 1ST went to use it did not work I called the phone # on the card XXXX they told me the card had a XXXX balance Also someone called in to register the card in there name ( this was FRAUD ) I was told to provide the following info : 1 Copy of VISA Debit Card front & Back 2 Prepaid card receipt 3 My Driver 's License 4 Cover Letter The first time I sent this Info one phone Rep said it was received 2 weeks later told they have no record of my info 2ND time I FAXED the info TOLD ME TO USE THIS ID # XXXX PLEASE CHECK with US bank NATIONAL ASSOC last CALLED TOLD TO GET A POLICE REPORT FOR {$100.00} always a new request from card holder services ( big run around ) I TRYED TO GET VISA INVOLED NO HELP DID NOT CARE!
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by the silence XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX presume that no proof of the alleged debt. Nor therefore any such that, in fact, therefore exist, ( please remove these accounts before I see litigation for defamation of character. ) XXXX XXXX balance {$1000.00}, source XXXX XXXX balance {$1300.00}, XXXX XXXX XXXX XXXX balance {$200.00}, XXXX XXXX XXXX  balance {$0.00}, XXXX  balance {$2700.00}.
Product: Credit card

On XXXX/XXXX/15 Capitol One Bank called me and said that someone opened a credit card in Florida on XXXX/XXXX/15. It was not me. The credit card was opened in Florida and I live in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

US POSTAL SERVICE CERTIFIED MAIL XXXX On XX/XX/XXXX, I sent certified mail to XXXX XXXX. They have received the letter and fail to respond. RE : Violations I pull my credit report and notice you ( XXXX XXXX ) pull my XXXX consumer report on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XX/XX/XXXX without a verbal or written consent from me. According to 15 U.S. Code 1681b - Permissible purposes of consumer reports- ( a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. ( 2 ) In accordance with the written instructions of the consumer to whom it relates. According to the Privacy Act of 1974 552a ( 1974 ) The purpose of the Privacy Act is to balance the government 's need to maintain information about individuals with the rights of individuals to be protected against unwarranted invasions of their privacy stemming from federal agencies ' collection, maintenance, use, and disclosure of personal information. Because you did not have my permission to access my consumer report. Theres a penalty of {$500.00} per date you ( XXXX XXXX ) pull my consumer report. 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; I am maintaining a detail record of all communication.
Product: Credit card or prepaid card

Copy of letter emailed and mailed to Bank of America Card holder services To : Bank of America Maryland Unemployment Benefits Debit Card Cardholder Services From : XXXX XXXX Re : Customer Complaint Date : XX/XX/XXXX This all began when I noticed unauthorized charges via my online account with Bank of America, on XX/XX/XXXX I called into your cardholder services line to report the issue and request to be refunded and a new card. Today XX/XX/XXXX I called back in as I still have not received the new card and spoke to a representative by the name XXXX XXXX XXXX. This representative, while not rude was not educated to assist me and seemed unsympathetic to my concerns. I stated my worry that I in addition to this issue had issues with my local usps carrier and some mail may have been returned and asked if there was anyway she could issue another card. As my fear was the original replacement card that was mailed out on XX/XX/XXXX may have already been returned by the Post Office. 

I was told by your fraud/risk department that my account has been adjusted and a new card will be received within 14 business. It is now XX/XX/XXXX, for days I have been calling, emailing, and constantly been given incorrect information. After being on hold each time for up to 3-4 hours at a time, and then yesterday when your risk department finally answered she claimed she could not hear me and hung up on me! I then had to call all over again and wait on hold again for 2 hours. I was able to speak to a customer services representative who took the time to read the notes on my account and determine no card was ever mailed to me at all!! As your risk team never removed some type of hold which enables your system to issue a call. This was very upsetting to know I have wasted hours, days even, weeks and to find nothing has been done. As I sit here typing this letter I am on hold once again in hopes to reaching someone. This is horrible to make people go through this. While a may not be a actual banking customer of Bank of America, by default I am and should be treated as such. This is the poorest I have ever been treated. Please accept this as my official complaint on how horrible it has been to do business with your company. Today XX/XX/XXXX I have been on the phone on hold for over 2 hours, still waiting to be transferred to the fraud/risk department as they are the only department that has the ability to remove this hold off my account to allow thier computer systems to ship me a replacement card. Meanwhile none of my bills are being paid and I have no other way to access my money. This is so unfair. 

XXXX XXXX XXXX
Product: Mortgage

We have been requesting a modification since XXXX. We have been jerked around over and over. We have even called the corporate Headquarter to no avail. Our mortgage company is Bank of America. Loan # XXXX. Promise after promised. We have contacted many difference agencies and have been approved under the, ( XXXX and XXXX XXXX ect, which Bank of America has denied all of these programs approvals for us.. We have worked with XXXX for years and every time we got close to being modified, BOA told us we had to drop XXXX in orderr for the to help us and as always we end up in FORECLOSE again, again, again, .They promised if we could not get APPROVED we could use the XXXX program or short sale route to liquidate the property. But as always. Forecloser notices ARRIVED AT OUR DOOR OVER AND OVER AND OVER.We deserve a second chance like everyone else.Why have n't we received ours?
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXXXXXX XXXX XXXX XXXXXXXXXXXX, Account name : XXXXXXXXXXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXXXXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX XXXX All have violated my rights XXXX 


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, also states a consumer reporting agency can not furnish an account without my written instructions.

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

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX Account # XXXX opened XX/XX/3018 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit card or prepaid card

I lost my card so I cancelled it so no one could use it. I then realised the address on my card was not my updated address so therefore I changed my address on the app. And when I called card.com to see where my card was they told me that I needed to verify my address change, I said ok no problem. I sent over at least 10 emails to the email provided with everything that was asked such as pay stubs ID with by the way the same address that I'm currently residing because thats my address, you can probably see how horrible this is. Each time I sent my documents next day I got an email saying they cant verify a very clear photo of my documentations. This is very poor customer service as I have 70 dollars on my account that I can not use because they decided be terrible anyways this has been going on for about 3 weeks now They need to be held accountable for this. Again this is card.com.
Product: Mortgage

see attached for Affidavit of Truth and Complaint other attachments but not limited to ; ... XXXX ... Exhibit A
Product: Credit reporting or other personal consumer reports

My account withXXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports