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 has violated my rights. 



15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Credit reporting

Hi I spoke with the credit agency  three tim es regarding this matter provided documentation twice they informed me that it was my responsibility to find out what 's going on not theirs if still not corrected this and I am now in the process of filling complaint with the   XXXX   XXXX   XXXX   as well as your office and attorney assistance over to correct my credit and I was not required to pay and it was paid to the original debtor back in   XXXX     I 'm including the copies of that document as well as the showing that  XXXX  was not responsible for work from the beginning
Product: Checking or savings account

I have a credit card and they continue to try to take money from an account I no longer use. I asked the bank to close the account last month and they refused. I have called several times to dispute the charges with the last call being today @ XXXX. I have asked the credit card company to show me in the card agreement where it says they have permission to attempt to take money multiple times and no response from them either. The credit card company has been trying to take money multiple times a week since XXXX XXXX, XXXX. I have tried many times to stop it to no avail from the card company or the bank. After the call, I tried to chat with the bank only for them end the chat on me. The credit card company has attempted to take {$100.00} on all of the following XXXX, and XX/XX/XXXX. They attempted to take {$190.00} on the following XXXX, and XX/XX/XXXX. The bank is not covering the amounts and then turn around and charge me {$37.00} every single the credit card company tries to get money from the account. I have tried to dispute the charges multiple times and the bank will not allow me to do it. So they have charged the {$37.00} at least 6 times and that is {$220.00} they are trying to get for free. I have tried to resolve this multiple times only to get nowhere with the credit card company or the bank. This is not right for a bank to continue to do this to their customers. I have told the bank at this point they refuse to help stop the credit card company from trying to take money, so refuse to pay their " fees ''.
Product: Credit reporting

I found a paid Tax Lien reporting on my Equifax credit report. Since I have no knowledge of this lien, I disputed with Equifax and Equifax verified it on XXXX2016. I was instructed by Equifax to contact the reporting agency ; that the reporting agency was the one who verified the entry. The XXXX County Court was listed as the reporting agency, so I contacted the XXXX County Court. I was told the Court does not ever report to any credit bureaus. I then asked Equifax for the method that was used for verification, since the Court does not report to Equifax. There was no response. 
Instead of answering my question as to who supplied the information concerning this tax lien, Equifax just verified it again, on XXXX2016. I contacted the Arbitration Department of Equifax for assistance. The letter was signed for on XX/XX/XXXX2016. The only response from Equifax XXXX was, on XX/XX/XXXX2016, and Equifax verified this tax lien again. This lien is not reporting on other credit bureaus. Equifax is continuing to report incorrect, damaging information on my credit report, and refuses to provide proof this account should even be reporting. 
I give my permission for Equifax to discuss this issue with the CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$17000.00} XXXX XXXX XXXX Balance : {$2800.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$4500.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX TX ) XXXX Balance : {$6400.00} XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX Balance : {$17000.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$4500.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX TX ) XXXX Balance : {$6400.00} ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2500.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$17000.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$4500.00} 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
Product: Credit reporting, credit repair services, or other personal consumer reports

They have hard inquiries on my credit report
Product: Mortgage

We recently lost our home to flooding from Hurricane Helene. Due to FEMA restrictions we are unable to repair the home and can not afford to raise it and bring it up to FEMA code. We therefore sold the property " as is '' and want to use the sale and the insurance payout to pay off the mortgage. We were able to secure a cash buyer and a quick close. The mortgage company, Planet Home Lending, says their corporate policy is to only apply insurance pay outs to close the loan. The payoff amount they provided to the title company is about {$560000.00}. We have sold the home for {$360000.00} and have an insurance payout of {$220000.00}. We have already endorsed the insurance check and had it delivered overnight to the address they provided and it has been delivered to them. The issue is, for title insurance purposes, the title company can not send the mortgage company less money than what is on the pay off document provided. We have asked Planet Home Lending to provide a new pay off amount that deducts the insurance money. This new amount would be entirely covered by the sale of the property and match the amount the title company has to send them. They refuse to do this. We have talked to a few different customer service representatives who have given different answers about whether this can happen or not ; we have also been told it has to go through corporate, who then has to reach out to the investor, who will decide whether they will accept the insurance money before the money from the sale. Instead they suggested we the borrowers bring over {$220000.00} to the closing to cover the difference and they will then send the insurance money back to us after the account is closed. They have {$220000.00} in their possession. They are creating an unnecessary roadblock to the sale of this property.
Product: Checking or savings account

On XX/XX/2020 I had fraud by someone on my unemployment account that Bank Of America handle they removed in total {$1200.00} dlls the bank closed my account stating it was the XXXX who close the account and didnt want to give me any information about my money just said the bank was going to investigate and reach back to me by phone which never happened, only received 2 letter saying my account was closed, I contacted XXXX and they said they were going to start sending me the payments by check and that they didnt have anything to do with Bank of America closing my account, so when I called again for the 10th time to the bank they said it was XXXX that has closed the account so basically they couldnt give me an update on the money stolen. And XXXX said it couldnt be them since my claim with them is perfectly fine, te problem is with Bank Of America, Im extremely desperate dont know if Im ever going to recover my money plus every time I call the bank for an update, theres a 4 hour wait just so the tell me I have to wait and that is XXXX who has my account bolck.
Product: Checking or savings account

On XXXX XXXX, 2019, I was contacted by a representative of capital one advising me that they were closing my account due to the recent check deposit on XXXX XXXX was not honored. I contacted them last Monday that I needed it to say open to receive my SOC security. I was told the account would stay open. Since my deposit of {$770.00} has gone into the account, the funds are being held unlawfully, and need to be released immediately. I have XXXX XXXX and XXXX, XXXX XXXX and I need to move into an apartment RIGHT AWAY! I have bills - phone, storage, pets, children, and need my money am entitled to right now! I contacted them 3x Friday, and could not speak with anyone as they told me it was with the fraud security. In a recording it says 24 to 48 hours wait time, and still, as of now, havent been contacted by them! Thank you kindly for your patience & assistance in this matter! 

Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, TransUnion credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX  XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  XXXX XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXXXXXX XXXX  - XX/XX/XXXX XXXX XXXXXXXX XXXX - XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX - {$0.00} XXXX  XXXX - XXXX - {$0.00} XXXX XXXX XXXX XXXX - {$0.00} XXXX  XXXX - XXXX - {$0.00} XXXX - XXXX - {$0.00} XXXX  XXXX - XXXX - {$700.00} XXXX XXXX XXXX XXXX {$0.00} XXXX  - XXXX - {$390.00} XXXX XXXX XXXX XXXX {$0.00} XXXX  - XXXX - {$0.00} XXXX  - XXXX - {$0.00} XXXX XXXX - XXXX - {$0.00} XXXX XXXX XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXX - {$1400.00} XXXX - XXXX - {$0.00} XXXX XXXX XXXX XXXX - {$0.00} XXXX  XXXX - XXXX - {$0.00} XXXX - XXXX - {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX - {$0.00} XXXX XXXX XXXX - {$0.00} XXXX XXXX XXXX - {$370.00} XXXX XXXX XXXX XXXX - {$330.00} XXXX XXXX XXXX XXXX {$700.00} XXXX - XXXX - {$0.00} XXXX - XXXX - {$530.00} XXXX XXXX XXXX - {$0.00} XXXX XXXX XXXX - {$380.00} XXXX - XXXX - {$720.00} XXXX XXXX XXXX - {$0.00} XXXX  - XXXX - {$0.00} XXXX XXXX XXXX - {$0.00} Bankruptcy - XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint FTC Report Number : XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Consumer Loan

I looked up deferred payment on the wed site of Bridgecrest and call as asked for one. I was told they do not have a deferred payment plan at this time. I asked to be transferred to a supervisor and she told me I had to provide documentation before deferred payment could be provided. If a company has a deferred payment plan it should not require consumer to provide proof before even considered. Deferred payment only moves one payment to the rear and should not be hard to do when the consumer payment record shows no late payments or missed payments. I am a XXXX veteran and to see a company not provide services to consumers is unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted the FTC Report that EXPERIAN needs to remove all inquiries and accounts that should not be on my consumer report. Today I submitted FTC REPORT NUMBER XXXX. This list several unauthorized inquiries and the fraudulent account XXXX XXXX which still to date has never been verified nor validated pursuant 15 usc 1692g. These inaccuracies need to be corrected immediately.
Product: Debt collection

I paid this debt on XXXX/XXXX/2017. Was told by collection agency that they would notify all XXXX credit bureaus and would have it removed. As of XXXX/XXXX/2017, this debt is still on my credit report. Spoke to customer service and I 'm only getting the run around.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX  and XXXX  are reporting incorrectly late payments on the DPT ED/XXXX  ; US DEPT/XXXX  ; XXXX XXXX XXXX and XXXX XXXX XXXX ( I have attached a spreadsheet of the creditor name and account numbers for reference, as well as a copy of my credit report. ) These accounts do not belong to me. I contacted XXXX XXXX, formerly knows as XXXX XXXX, located at XXXX XXXX XXXX, XXXX, Ohio XXXX. I spoke to the administration office and they verified that there was another student with a similar name and that our social security numbers differed by only ( 2 ) digits. The administration office inadvertently attached her student loan accounts to my social security number. I was assured that this clerical error would be fixed. I was not aware there were any issues regarding any kind of student loans until I obtained a copy of my most recent credit report. I tried contacting the administration office again at the school only to discover that this campus has been permanently closed and there is no forwarding address or telephone number to reach any one to assist me. This false reporting of lates on multiple accounts that do not belong to me is seriously harming my credit score and these line items need to be removed. I have contacted the bureaus to remove these however, I have not been successful.
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint regarding the failure to conduct a proper investigation into my dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. My dispute concerns the inaccurate late payment information reported on my credit report by XXXX XXXX Account Number : XXXX Nature of the Dispute : On [ XX/XX/XXXX ], I disputed the accuracy of the late payment information reported by XXXX XXXX Account Number : XXXX with your agency. Specifically, I contested the late payment notation for [ XX/XX/XXXX ] as it is incorrect. Despite my detailed dispute, I received a notification that my dispute was resolved without any changes to my credit report. I believe the investigation conducted by your agency was inadequate and did not comply with the requirements set forth by the FCRA, specifically 15 U.S.C. 1681i ( a ).

Request for Method of Verification : Under 15 U.S.C. 1681i ( a ) ( 7 ), I am entitled to receive a description of the procedure used to determine the accuracy and completeness of the information. Therefore, I am formally requesting the method of verification used in your investigation into my dispute regarding the late payment reported by XXXX XXXX Account Number : XXXX. Please provide detailed information on : The sources contacted during your investigation The documentation reviewed The process followed to verify the information Request for Re-Investigation : In addition, I request that you re-investigate this matter promptly. Under 15 U.S.C. 1681i ( a ), you are required to conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information or delete the item from my credit report. 

Supporting Information from Original Creditor : I have also disputed this late payment directly with XXXX XXXX Account Number : XXXX, and they have confirmed that the late payment notation will be deleted due to inaccuracies in reporting. This further substantiates my claim that the information is incorrect. The original creditors acknowledgment of the inaccuracies indicates a violation of 15 U.S.C. 1681e ( b ), which mandates accurate reporting. 

Request for Update and removal of late payment : In light of the aforementioned inaccuracies and the failure to comply with the FCRA guidelines, I am requesting the immediate deletion of the late payment information for XXXX XXXX Account Number : XXXX from my credit report. Continued reporting of this inaccurate information is a violation of the FCRA and the guidelines of the Consumer Data Industry Association ( CDIA ).

Conclusion : Please respond to this complaint in writing within 30 days of receipt, as mandated by the FCRA, with the results of your reinvestigation and the method of verification. If you fail to comply, I will not hesitate to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and seek legal remedies. 

Thank you for your prompt attention to this matter. I look forward to your swift response and the correction of my credit report as well send me a new report with the new changes thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently looked at my credit record and found numerous billing mistakes. Billing errors under U.S. Code 1666 ( b ) are 15. Failure on the part of the creditor to accurately reflect a statement, a payment made by the debtor, or a credit given to the debtor. an accounting inaccuracy of the creditor on a statement that involves computation or a similar error. As far as I'm aware, the creditor didn't send me a statement 21 days in advance, thus there shouldn't be any late payments on this account. These are unquestionably billing issues, thus I demand to see concrete evidence from the creditor 's bank account that I failed to pay and was flagged as being past due. The disputed account is listed below. 
XXXX XXXX XXXX XXXX XXXX : {$6600.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to XXXX XXXX XXXX to send me Validation of this account. not verification but Validation with my original contract with my signature on it. This company is highly negative on my credit report. I am request that they remove this account from my credit report. I called XXXX and spoke with XXXX on XX/XX/2018 he informed me that this company no longer have information on this account that it was sent to a collection agency. Please remove this unverifiable account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting and XXXX XXXXXXXX account ending with # XXXX, has violated my rights : 15 U.S.C 1681 Section 602 A. States that I have the right to privacy 15 U.S.C 1681 Section 604 A. Also states thats a consumer agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

This is an unfair system, to be ignored and taken advantage of while plenty of laws are broken due to malpractice, and the severity of not taking my situation has caused financial injury and defamation of character along with 60 days of no response. 

i am a victim of identity theft due to the Equifax data breach and all items shall be removed/blocked until this investigation is over.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed an inquiry by XXXX XXXX XXXX XXXX XXXX on my experian credit report. I contacted XXXX   and asked why an inquiry was made into my credit report. They said they had no record of any application or other request that was made. XXXX sent a letter statting they had requested the inquiry be removed but experian has not updated the information they requested.
Product: Credit card or prepaid card

This is a second complaint following CFPB Complaint Number XXXX. 

Bank of America never addressed the fact that all the fraudulent charges were made well outside the area in which I live, and in areas I never traveled. 

Bank of America acknowledged the fraudulent charges by removing/crediting the interest charged on those charges over the last several months. 

On my prior complaint I received one call from Bank of America. I returned their call and left messages on five ( 5 ) separate occasions, and never received a callback. Bank of America closed the complaint and re-sent the same documentation I'd already received prior to me filing the complaint in the first place. 

Bank of America has falsely asserted they've conducted an investigation into the fraudulent charges on my account. They have never addressed the fact that all charges were made inconsistent with my spending patterns ( I do not make charges in XXXX, OH, or XXXX XXXX, CA. Moreover, I do not and have never had an account with XXXX ). 

Bank of America claims to not hold their cardholders responsible for charges for which the cardholder is not responsible, yet refuse to look into the fact that all 8 of the fraudulent charges still on my account were made outside my area, and inconsistent with my spending patterns in terms of merchants ( XXXX XXXX XXXX XXXX ), or area ( XXXX, OH, California ).
Product: Credit reporting or other personal consumer reports

It has come to my attention that this bankruptcy is not reporting 100 % accurately to my credit report and there are some inaccuracies within the reporting. It states that the US bankruptcy court is the furnisher, but I asked the bankruptcy court do they report data to any data furnisher and they replied they dont. If they dont furnish any data to you guys then there is no way that they are the data furnisher instead its actually you that are the actual furnisher and this account is reporting inaccurately. Therefore ( put bankruptcy account ) should be removed from my credit report entirely for false reporting!!
Product: Debt collection

Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within XXXX  days. 

XXXX. XXXX XXXX Account Number : XXXX Bal : {$180.00} XXXX. XXXX XXXX XXXXXXXX XXXX Account Number : XXXX Bal : {$500.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Bal : {$250.00}