23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN, XXXX, XXXX IS REPORTING WRONG
Product: Money transfer, virtual currency, or money service

I have a few concerns about bank of America. I have been with them over XXXX years I want to say and my account is not approved for overdrafts. Well XXXX day I wake up to my account XXXX and they dated oh I made a transaction to cashapp for {$400.00} but if my account wasnt approved for overdrafts and or doesnt let me over draft of anything else a bill, gas, food why and how did it get authorized for a {$400.00} overdraft? Also I paid a service I paid thru XXXX and never received the service and I never received my money back! Ive contacted the bank and merchant and the bank tells me oh they can not retrieve my funds!!! Are you serious!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX rules were broken due to a breach on your platform. Inquiries and certain accounts shouldn't be on my report.
Product: Credit card or prepaid card

I have Wells Fargo Visa Credit card. As per the terms after spending $ XXX within 60/90 days one will get $ YY as the cash rewards. I have {$210.00}. When i tried to redeem it - it 's only letting me redeem in the multiples of {$25.00}. I want to redeem all. Trying to work with Wells Fargo since XX/XX/XXXX regarding this issue. They asked me to reach out to the Rewards Center ( 3rd party ) but they are also not willing to write me a check of {$210.00} and send it to me.
Nowhere it 's mentioned in the card member agreement that rewards can be redeemed only in the multiples of {$25.00}. Moreover other banks and credit cards also does n't follow what Wells is doing.
Product: Debt collection

i received collection notice and a collection account was put on my credit file, this account was from identity theft. I never opened any such account
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened an account # XXXX with XXXX XXXX in XXXX XXXXIt has been 7 years too old to still be on my credit. Portfolio Management is reporting is if it opened n XXXX I would like it removed from ALL credit reporting agencies
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX/XXXX is on my credit report that I never authorized. The hard inquiry was made on XXXX XXXX, 2016. I never made this inquiry at all. I world like it removed from my credit report a soon a possible
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSIONto file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an ID theft report. Please find the ATTACHED documents to assist in removing the erroneous information that is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2023 I applied online for XXXX XXXX auto loan for a pre-approval this was disclosed to me that it was a " soft inquiry '' but it was not XXXX sent me a notice of a hard inquiry it clearly states on the website they would not pull a Hard Copy but it was done and has lowered my credit score a called to get removed but nothing but a run around for over 45 mins
Product: Credit card or prepaid card

I cancelled an item that was charged on my XXXX Credit card. I cancelled via credit card services/VyStar. The products were never sent or received. After several communications with Cardholder services I went to my local Post Master : XXXX XXXX in XXXX XXXX phone # XXXX and obtained a letter that stated the information that was submitted was not sent to me and they could obtain additional information by contacting the post master. The fraudulent company Aletehadtrading company uses fraudulent XXXX labels and submit them and the cardholder services does not verify or do their job all the while continues to let the consumers pay for fraudulent transactions. I submitted all information to receive my {$54.00} credit but Cardholder services gives an automatic email response of case closed due to missing information/they are receiving a high volume of inquiries although after every phone conversation ( I have documented every communication ) Im advised of they have the information and still working on it- The transaction date was XX/XX/2022 and the card services was immediately contacted to quickly handle this but as of today XXXX XXXX my account has not been credited.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I received communication regarding a settlement with the Creditor ( XXXX ) that stated between XX/XX/XXXX and XX/XX/XXXX the company violated consumer protection laws by making auto loans accessible to borrowers who were likely to default on those loans and due to this settlement XXXX is required to forgive the remaining balance on my loan and also required for the loan to be removed from my credit reports. I have sent in multiple communications with little to no response from the company. They previously advised this should be removed but nothing has been done.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have XXXX Accounts on my credit reports for XXXX, Equifax, & XXXX I have disputed these accounts multiple times. 

Fraudulent Account : XXXX Account number XXXX Date opened XX/XX/2021 Open/closed Closed Status Chargeoff Past due amount {$4900.00} Fraudulent Account : XXXX XXXX  XXXX Account XXXX XXXX Date opened XX/XX/2021 Open/closed Closed Status Chargeoff Past due amount {$7300.00} Fraudulent Account : XXXX XXXX Account number XXXX Date opened XX/XX/2021 Open/closed closed Status Chargeoff Past due amount {$3500.00} Fraudulent Account : XXXX  XXXX Account number XXXX Date opened XX/XX/2021 Open/closed Open Status Late 150 Days Past due amount {$4100.00}
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint and demand action against XXXX XXXX XXXX regarding fraudulent activity and inaccurate reporting that has severely impacted my financial reputation. 

My XXXX XXXX XXXX was used without my permission, despite my belief that the card had a XXXX balance. I did not receive any statements from XXXX until I was notified by credit bureaus that XXXX had reported a late payment on my credit report. This unauthorized use of my card resulted in significant consequences : XXXX. XXXX opened a claim and refunded the fraudulent amount. However, they failed to refund the associated late fee, which was a direct result of the fraudulent activity. 

XXXX. Despite acknowledging the fraudulent nature of the transaction, XXXX has continued to report the account as late on my credit reports. This inaccurate reporting has led to a reduction in my credit limit with XXXX and the closure of more than XXXX XXXX cards by other financial institutions, as well as reductions in credit limits across various accounts. 

These actions by XXXX have had a severe and unjustified impact on my financial standing and reputation.
Product: Credit reporting or other personal consumer reports

There's great concern regarding inaccurate information that has persistently appeared on my credit profile. I have diligently disputed these inaccuracies in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) on more than three occasions. Despite my efforts and the clear violations of these laws, the concerns have been consistently ignored. This prolonged period of inaccurate information on my credit report has had a detrimental financial impact in my life. 

It's worth noting that 15 U.S. Code 1681, which outlines Congressional findings and the statement of purpose, emphasizes the importance of accuracy and fairness in credit reporting. The intent of the law is to ensure that credit reporting agencies maintain the accuracy of consumer information. Furthermore, 15 U.S. Code 1681b mandates that credit reporting agencies must employ reasonable procedures to ensure the accuracy of the information they collect and report. 

Pay attention that 15 US CODE 1681i stipulates that credit reporting agencies are obligated to delete inaccurate information from consumers ' credit reports. Furthermore, 15 US CODE 1681 emphasizes the importance of privacy in credit reporting, and 15 USC 1681s-2 explicitly prohibits the furnishing of inaccurate information related to a consumer if there is knowledge or reasonable cause to believe that the information is inaccurate.

Additionally, 15 US CODE 1681e-b mandates that any collection or account information must be 100 % accurate across all credit reporting agencies. Please take immediate action to rectify these violations, remove the inaccurate information from credit report, and ensure that my rights as a consumer are upheld in accordance with these legal provisions. It's a federal crime to furnish and report the same or multiply accounts on an alledged debt, this is a violation of 15 USC 1692e - False and misleading.

*** Understand 15 U.S.C 1681 section 604 ensures her that you need written instructions, I have never gave written consent or oral consent 15 U.S. Code 1681a, last but not least you violated 15 U.S. Code 1681b - Permissible purposes of consumer reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to bring your immediate attention to multiple errors on my credit report, which I addressed in writing on XX/XX/XXXX. 

Despite submitting my complaints directly to all three credit bureaus, I have not received any updates or confirmation of receipt. Additionally, I noticed that there is no dispute verbiage on the items I am disputing, which is not only a violation of the law, but now adversely affecting my good name and reputation. 

I am deeply concerned about the violation of my rights in this matter. I kindly demand a prompt and thorough investigation into the errors on my credit report and a swift resolution to rectify the inaccuracies. 

I urge you to take this matter seriously and prioritize its resolution, as it directly impacts my financial standing and personal well-being. Your immediate attention and action are greatly appreciated. 

Please inform me of the steps being taken to address these issues as soon as possible. I look forward to a positive and timely resolution.
Product: Checking or savings account

Deposited {$30000.00} cashiers check 3 days ago - the first overnight they made the initial transaction AND 10 more including additionally warning me of being overdrawn - then the next morning blaming ME!! {$2000.00} disappeared for 24 hours. After 4 hours of discussion the missing {$2000.00} reappeared and 10 transactions disappeared. It got fixed overnight the next day. Now the correct deposit amount is showing as on hold with no verbal commitment of any availability and on the system ( app ) XXXX. Another 7 days away. 

I have asked to cancel the deposit and give me my check back. They will not respond.
Product: Credit card or prepaid card

In XXXX of 2020 I recieved a credit card from Bank of America. I had a credit card with them that I had not used on a while and they sent me this new credit card that stated it would give me cash back rewards and a 0 percent interest rate for 15 pay cycles on my purchases. I paid for some things for my house with the credit card and noticed on my bill this month that I was being charged for interest. I called Bank of America and was told that I didn't qualify for the 0 percent interest rate because they just converted the account I already had with them over to this cash back credit card. I never requested to be converted, they just did it and sent me this credit card with misleading terms. I had a late fee that they wouldnt even consider waiving after I told them I forgot to make my payment due to things going on. I guess I wasn't specific enough about the issues I was dealing with.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion and XXXX have incorrect amounts, that are and have been paid in full, on my credit report. TransUnion and XXXX have been notified of the inaccurate information at least 4 times for the XXXX XXXX account that has been paid. It should be noted that collections accounts were paid on XX/XX/2022, and that I have subsequently disputed 6 collections accounts with an average of 4 disputes per collection account corrected of inaccurate information. When I filed the dispute for XXXX XXXX, after paying off the account over 45 days ago, TransUnion duplicated the collections account and left it on there even after being notified 4 time through dispute that the original amount has been paid. TransUnion removed the duplicate amount of the full collection duplicated amount, and posted a duplicate XXXX XXXX  account with the difference between the offered settlement, which I paid, and the total collected amount. There is no way that TransUnion could know the difference unless they knew the account was paid. I have it on recording that the settlement offer will reflect paid in full. This in no way justifies TransUnion taking on average of over 4 months to correct inaccurate information. This in no way justifier TransUnion purposely administering targeted discrimination against me. I have filed a previous complaint regarding exactly this scenario. Now we are almost half a year into correcting inaccurate information on my credit report. At this point disputes are incurring me retaliatory charges. I submit that TransUnion and XXXX are engaged in illegal and discriminatory business practices and I desire to follow up to the full extent of the law. If TransUnion and XXXX have inaccurate information, especially after being notified 28 times ( 7 accounts 4 disputes each ), for half the year, then what good are they? Do other people have to file 4 disputes each on accounts paid? Do other people have to wait 6 months to have inaccurate information removed? Are TransUnion and XXXX currently engaged in discriminatory business practices directed at me? Im going to file a complaint with the State as well. This is highly unusual business practices, and the amount of time to correct paid accounts is completely unacceptable. The targeted retaliation is icing on the cake
Product: Credit reporting, credit repair services, or other personal consumer reports

Creditors or collectors are not allowed to report inaccurate information to your credit reports, and under the Fair Credit Reporting Act, you have a right to have it removed. To do so, you can start a dispute with each one of the credit bureaus, XXXX, XXXX, and XXXX. After briefly going over my consumer report I found that the listed is reporting inaccurate information to the credit bureaus which is severely impacting my credit score. The furnisher also called multiple times and harassed me even after letting the services know I am XXXX and need assistance and a payment plan I was told no and there was nothing they could do. From the store, the clerk told me XXXX amount, and then after reviewing the paperwork the company is charging almost XXXX x times the amount I was told. Under these false pretenses, I am upset with the way this was handled. Under the law, the creditor can not or shouldn't do the following ..Calls before XXXX XXXX XXXX XXXX XXXX XXXX. unless the collector knows such times are more convenient for the debtor " Unfair or unconscionable means to collect or attempt to collect a debt '' .Any conduct to harass, oppress, or abuse.
Product: Credit reporting or other personal consumer reports

This is my several endeavors 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, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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

XXXX XXXX XXXX # XXXX, XXXX and 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. These accounts are not mine no payment history nothing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed letters to the credit agencies and nothing happened. 
I have inquiries that I did not authorized. 
There are late payments and other accounts that are reported late and charged off that are not true. 
I see an account that does not belong to me.
Product: Debt collection

On XX/XX/XXXX at XXXX XXXX EST, I made a 14 minute and 34 second phone call to Portfolio Recovery Solutions. I negotiated a settlement of {$370.00} om my balance of {$690.00}. The representative said I could get a settlement paid letter that same day if I agreed to pay it off. I made the payment and then she said they can only mail it out regular mail. I was told it would settle my account in full but they are reporting that I dispute the debt, AFTER resolving it. I asked to speak with a manager and she addressed me as " dear '' which I find very inappropriate and i viewed it as harassment. I called the next day and the said they submitted the request for the letter and they could not tell me when I would get a letter bit assured me the account was resolved after completing the settlement. I still have no record of the settlement being completed and now they updated my CBR to something inaccurate, respectively to what actually happened, in violation of the FCRA. They violated UDAAP by saying the account would be resolved as a settlement in full when that is not what actually happened and as well as promising me a paid letter the same day which was not done. I would not have made the payment if the representative would have told me that.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed with the 3 major credit bureaus on more than 2 occasions regarding the hard inquires listed below. I was as victim of identify theft and none of these creditors had my permission to run my credit : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Inquired XX/XX/XXXX XXXX XXXX Inquired XX/XX/XXXX XXXX XXXX IInquired XX/XX/XXXX XXXX XXXX XXXX Inquired XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX inquired XX/XX/XXXX XXXX XXXX Inquired XX/XX/XXXX XXXX Inquired XX/XX/XXXX XXXX   Inquired XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX In Inquired XX/XX/XXXX XXXX XXXX  Inquired XX/XX/XXXX XXXX XXXX Inquired XX/XX/XXXX XXXX XXXX XXXX Inquired XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX Inquired XX/XX/XXXX XXXX Inquired XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX Inquired XX/XX/XXXX XXXX Inquired XX/XX/XXXX XXXX 's Inqiured XX/XX/XXXX XXXX XXXX Inquired XX/XX/XXXX XXXX XXXX XXXX Inquired XX/XX/XXXX XXXX   Inquired XX/XX/XXXX
Product: Credit reporting

Complaint is linked to XXXX other complaints, uploaded documents will provide better description of actual complaint facts, I have filed complaint with H & HS Office of Civil Rights for violations of HIPPA. EQUIFAX CONTINUES TO PUBLISH ILEAGALLY OBTAINED DOCUMENTS & DISPLAYS THEM IN VIOLATION OF HIPPA GUIDELINES.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a due date extension change from XXXX XXXX XXXX XXXX  on XX/XX/XXXX changing my due date from XX/XX/XXXX to XX/XX/XXXX. I received a due date letter from XXXX XXXX XXXX on XX/XX/XXXX, I made I made a payment on XX/XX/XXXX. Which was for XXXX and due to the due date extension and change I was not due again until XX/XX/XXXX not the XXXX. I received a statement on XX/XX/XXXX stating that my due date is XX/XX/XXXX. on XX/XX/XXXX XXXX XXXX XXXX XXXX receive a paid in full payment for over XXXX paying the account in full however XXXX XXXX is reporting to the credit bureaus that my status is 30 to 60 days past due on this paid account. I have sent in all the proof and information that my due date was changed to XX/XX/XXXX and no longer XX/XX/XXXX and if my account was paid in full on XX/XX/XXXX that is not 30 days past due. I sent all documents proving my due date was change to XXXX  XXXX XXXX XXXX and it has yet to be corrected. Due to this error by XXXX XXXX XXXX  I was not able to close on my home and it lowered my score 38 points and being that I have proof that I wasn't 30 days late because of the payment due date change I need this could be corrected ASAP or I will seek a lawyer for further information and defamation of character
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act this creditor violated my rights under 15 USC 1681 section 602 states, I have the right to privacy. 15 USC 1681 section 604A section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B, A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.