23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, 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 : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX  Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX  Account Number : XXXX Account Name : DEPTEDXXXX  Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX  Account Number : XXXX Account Name : DEPTEDXXXX  Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX  Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX  Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

This letter serves as a formal demand for immediate action to address your blatant violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., in handling my dispute regarding fraudulent information resulting from identity theft. Your failure to act is both unlawful and intolerable.

Violations of Federal Law XXXX.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Despite receiving my comprehensive dispute, including the FTC Identity Theft Report and supporting documentation, your agency has flagrantly failed to conduct a reasonable investigation into the fraudulent accounts. Ignoring evidence is not an investigation. 
XXXXFailure to Provide Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) Under the FCRA, you are required to notify me of the results of your investigation within 30 days. To date, I have received no such communication. This complete disregard for transparency further underscores your negligence and lack of compliance with federal law. 
XXXXFailure to Block Fraudulent Information ( 15 U.S.C. 1681c-2 ) You are legally obligated to block fraudulent information upon receipt of an identity theft report. By failing to do so, you continue to willfully allow the publication of inaccurate, damaging information in violation of my rights. 

Legal Precedents Highlighting Your Liability Your actionsor lack thereofare not without consequence. Courts have repeatedly held credit reporting agencies accountable for similar misconduct : XXXX XXXX XXXX XXXX ( XXXX ) : Reinforced your obligation to conduct meaningful investigations beyond relying on furnishers data. 
XXXX XXXX XXXX, XXXX ( XXXX ) : Confirmed that credit bureaus may not shirk their duties by delegating investigations to furnishers. 
XXXX v. XXXX XXXX ( XXXX ) : Demonstrated the severe consequences of failing to comply with FCRA obligations, including class-action liability and significant damages. 

Demand for Immediate Action I demand the following actions, without delay : XXXXConduct a thorough and reasonable investigation into the disputed accounts and fraudulent transactions. 
XXXXProvide a comprehensive written explanation detailing your investigation process and results. 
3.Permanently remove or block all inaccurate information associated with my identity theft. 

Failure to address this matter within the FCRAs legally mandated timeline will leave me no choice but to escalate this issue. I will : File formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 
Seek damages through legal action, including but not limited to statutory damages, punitive damages, and recovery of attorneys fees, as permitted under 15 U.S.C. 1681n and 1681o. 

This letter is your final notice to rectify your violations. Your failure to comply will be viewed as willful non-compliance with federal law, and I will ensure that the consequences of your negligence are pursued to the fullest extent. 

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

I reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX Balance : {$10000.00}
Product: Credit reporting or other personal consumer reports

Bank of america customer for a few years never had problems until bank of america marked my credit card as closed months back with late payments even though ive been actively making payments to this day. 

attempted to make payments for the months they claim are late and tried to contact them but no luck. 

Bank Of America has been falsely reporting things on my credit report and i demand that they remove the late payments and instate the correct status of the account ( XXXX )
Product: Credit card or prepaid card

this complaint is regarding Bank of America credit cards ( 2 ). I had a credit card which had been set up on automatic payments, had a XXXX balance for several Years. I began using it again in XX/XX/XXXX and received my monthly statement with a due date of XX/XX/XXXX and a minimum payment of {$30.00} with a balance of {$2000.00} but did not pay it since it had previously been set up on automatic payment ( all of my bills are automatic payment ). I have these accoutns with BA for over 10 years with XXXX late payments. Today XX/XX/XXXX I got an email that BA had not received my payment and was lowering my credit limit to the amount of my balance on 2 cards, the other card which was not late. I called customer service and made a large payment of {$500.00} today. I also called BA customer service and filed a complaint with the following reasons : 1- their website is difficult to navigate and difficult to set up automatic payments. 2- I had never had a previous late payment with them 3- the decision to lower limit was arbitrary and not based on previous slow credit payments with them 4- the arbitrary decision to lower my credit limits could negatively impact my credit score with credit reporting companies. XXXX there is no " grace period '' or notification that your payment is past due.
Product: Credit reporting, credit repair services, or other personal consumer reports

ALL I AM DISPUTING ARE INQUIRIES I DID NOT AUTHORIZED PLEASE DELETE IT THANK YOU
Product: Debt collection

Hillcrest Davidson & Associate brought an debt and change the original delinquency date of the account from the original lender.
Product: Credit reporting or other personal consumer reports

credit reporting agency is allowing companies to fraudulently obtain a copy of my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I had some late fee 's from company which i was told would be removed but have yet to be removed. I have called the company several times trying to get this matter resolved. They said they would remove all late fee 's from file.
Product: Debt collection

I lived in XXXX XXXX XXXX for two years and have been having problems with them since before I moved out in the end of XX/XX/XXXX. I paid my rent early more than XXXX time and XXXX of the times they tried to evict me for unpaid rent. I have every rent receipt from them starting from XXXX - XXXX. My car was broken into XXXX times on their property, before I moved out someone broke into my apartment while I was at work, I have police reports for all of these things as well. After my apartment was broken into they put a note on my door saying I owed {$100.00} for unpaid rent. I am on XXXX, so that is why you will see different amounts. But I attached my run down from XXXX, so even if there was unpaid rent due I would NOT owe the full amount. And if I did even owe them a full months rent that would mean I would have had to not pay my rent for more than one month. And if I did n't pay more than one months rent why was I NEVER evicted? Why are they coming after me for the full amount and not charging XXXX XXXX for not paying their portion? Cause it 's a false claim. They sent my name to XXXX collections and I asked them to prove the debt they sent me a bill & I sent them my proof. They left me alone and a year later another collections agency is trying to collect from me. They have reported this to my credit which is effecting me.
Product: Student loan

When I first graduated, I was not notified of any payment plans I was eligible for. Due to my significantly lower initial income at the time, an Income-driven payment plan would have significantly lowered my monthly payment.
Product: Credit reporting

To whom it may concern, I mailed several letters of dispute last one being certified on XX/XX/2017 in regards to how XXXX is reported on my credit report. Once again within a few days it comes back as verified however I have never had an account or contract with this company. According to the FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated and if you do not investigate AND respond, the CRA must delete the disputed information from its files. The fact that I received a response a week after the receipt of my certified letter, one can assume that there was no investigation into the matter. I was told they have reinvestigated the account but it seems that all they have done is parroted information given to them by other sources and shifted the burden back to me to to contact the creditor to verify the account which is clearly a violation of 1681 ( a ) ( 4 ). Under section 611 ( 5 ) ( A ) of the FCRA itn states the CBA is required to promptly DELETE all information which can not be verified.
Product: Debt collection

Continuous phone calls from company referred to as HFS trying to contact someone who does not live at this address/phone number. Each time recording directs me to hang up if I am not the person identified by the phone call. I have done that numerous times to no avail. I would like these harassing calls discontinued.
Product: Credit reporting or other personal consumer reports

I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process. 
Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

I recently purchased a new vehicle and my loan was financed by BMO Harris Bank. I have made two payments on the account on time and I recently asked for a payoff because I am thinking of refinancing with my credit union. When given the payoff I asked for a breakdown of my interest/principal that was taken out of my two payments. After this was given to me verbally I asked for a amortization schedule because I felt the interest taken out of the first payment was more than what I had calculated myself using my own amortization schedule. I was told I was I would be getting one in the mail. 

After a week, I called back today and wanted to check on my request. After five failed attempts to reach a live person to speak with, I was able to get a representative to forward my call to the complaint/escalation department. I finally spoke to XXXX ( employee # XXXX ). He attempted to explain the breakdown of how interest and principal is taken out of each payment depending on the daily per diem. I informed him I understood everything he was telling me but my dispute was the interest charged out of my first payment did not match what I was calculating on my amortization schedule. I asked to speak to the originations or underwriting supervisor or someone that can explain and break down how they came up with their amount that was taken out of my first payment. The escalation representative seem to get irritated that he was not going to be able to get me off the phone easily and put me on hold for several minutes, stating that he was attempting to escalate my compliant. After minutes of being on hold, XXXX came back on the line and informed me that BMO Harris Bank does not provide amortization schedules to their consumers. I asked why? He stated over and over that they just don't. I asked him " what if a customer, like me, has a dispute about where and how their payments are being applied? Is the customer just supposed to believe BMO Harris is doing the correct thing? XXXX kept informing me that he could not escalate my call and that again XXXX Harris does not provide amortization schedules. I informed XXXX my concerns are valid and that I feel that BMO Harris did not accurately calculate the interest taken from my first on time payment. I informed him that there aren't many other factors that could have affected my loan since this is my first payment and its on time. If you start with the Amount Financed, term, rate, contract date, first payment, then your calculated interest charged should be the same regardless of what amortization schedule program someone uses. Unless, BMO Harris has a different way of calculating this I'd like to know.
Product: Mortgage

In XX/XX/2005 I obtained a home equity mortgage loan for {$46000.00} limit. I have been making all payments as required by EFT until the lender stopped taking the payments. I now believe the term of 10 years was apparently up. The lender now reports my loan delinquent which completely prevents me from refinancing. There were no warning signs along the way to let me know I would have to refinance or make other arrangements. The lender is now initiating foreclosure which I see as a way for them to steal my home legally. 
A should offer to reschedule or refinance the balance of {$23000.00} so I can resume payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 5th 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 XXXX XXXX Balance : {$100.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$690.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$2400.00} XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a formal request for a re-investigation of the accounts listed below. The previous items were claimed to have been accurate or verified. These are inaccurate and need to be corrected immediately. The payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact me or the companys customer service representative XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Account XXXX disputed an attempt to find out whom and what is item on credit report on XX/XX/year>. No information received regarding this matter.
Product: Mortgage

To who it may concern, My concern is regarding Shellpoint Mortgage Servicing Company. This company has received my monthly mortgage payments and have failed to account it as payments received. My bank has sent me proof the account was cleared and paid. This company is trying to foreclosed on my house and has sent me a letter indicating they sent my file to their Loss Mitigation dept. The person who they assigned it to is XXXX XXXX XXXX x XXXX. Their corporate number is XXXX. 

I have can send proof of my claim from above should you need it. Please assist.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good DayMy Identity Has been stolen, and somebody tried to open a Bank accounts, Credit Cards in my name, when i submitted Dispute to credit bueraus they are refusing to delete that errors from my fileBELOW GIVEN THE NAMES OF FINANCIAL INSTITUTIONS WHICH ARE ON MY CREDIT FILE AND THEY ARE FRAUDELENTLY OPEN UNDER MY NAME!!!1)  XXXX XXXX XXXX XXXX XXXX  - Date reprted XX/XX/XXXX2) XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX3) XXXX XXXX  XX/XX/XXXX4)  XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX5)  XXXX XX/XX/XXXX 6)  XXXX XXXX XXXX XX/XX/XXXX7)  XXXX XXXX XXXX  XX/XX/XXXX8)  XXXX XXXX XXXX  XX/XX/XXXX9) XXXX XXXX XXXX  XX/XX/XXXX10) XXXX XXXX  XX/XX/XXXX11)  XXXX XXXX/XXXX XXXX XX/XX/XXXX12) XXXX XXXX XXXX  XX/XX/XXXX13) XXXX XX/XX/XXXX14)  XXXX/XXXX  XX/XX/XXXX15) XXXX XXXX., XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX at XXXX i called Experian to have inaccurate information ( non mailable addresses, and employers ) deleted from my account. I informed them that per 15 USC 1681b ( 2 ) and The Privacy Act of 1974 that it is a violation to furnish information without my consent to my credit report and that i would like to know the third party company that gave them my information without written instruction and consent. I was met with a person named XXXX from their dispute department and was told that he would not delete the information as it is accurate and was told that the referenced laws above mean nothing and he would not be deleting those items. I called back at XXXX and when i requested to speak to a supervisor i was transferred to a line where there is no dial tone nor person to speak to. As i write this i am currently still on the phone waiting to speak to someone. ( It's XXXX ) I will provide a screenshot of the number i called and how long i was on the phone waiting to speak to someone who would address my concerns properly.
Product: Checking or savings account

Im unable to open a bank account anywhere even after paying off the debt that I did not owe. I called the branch that I had the account with and they blamed me! Nothing has been done. All of my information was stolen from me my XXXX year in XXXX  and was used to put fake checks into my account. Ive been trying for the past four years to get another bank account and or credit Union and it wont work. I need a bank account it is 2021 and this is out of hand. I feel lost and uninformed on what to do to fix this so that banks can stop denying me! 
I have a copy of my reports but I dont know what to do with the information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 : {$920.00} ; XXXX XXXX XXXX Balance : {$4000.00} ; XXXX XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently reviewed my consumer report and there are several inquiries that I have not authorized. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to the Fair Credit R

eporting Act 15 USC 1681 Section 602 A I have the right to privacy 15 USC 1681 Section 604 A Section 2 No financial institution is supposed to share my information to a third party. I did not give written permission to have the accounts added to my credit report. 15 USC 1681 et SEQ I have also filed a police report for fraudulent inquires and they are list
on the report see attached documents
Product: Checking or savings account

Marcus by Goldman Sachs denied me access to the availability of deposited funds when sent to them from the Federal Government. On XX/XX/2020 The Federal Government deposited a payroll check to my Marcus by Goldman Sachs account. Marcus by Goldman Sachs employees then tried to transfer it out without me knowing this, and wait for me to receive a 2nd payroll check while denying me the 1st check that was sent/deposited. I want to report this now. My job provided proof it was sent at the same time ( simultaneously ) I received another deposit ( 3rd ) from another external source for XXXX dollars.