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

XXXX XXXX XXXX XXXX XXXX {$1700.00} accordance with the Fair Credit Reporting act XXXX Account # 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
Product: Credit reporting or other personal consumer reports

I sent the 3 credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against them because I believe they have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) .This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct the following items : XXXX XXXX XXXX Balance {$490.00} XXXX XXXX*** Balance {$2100.00} XXXX XXXX XXXXXXXX Balance {$110.00}
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 XXXX XXXX XXXX. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : Chapter XXXX Bankruptcy Account Number : XXXX and 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 XXXX 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: Mortgage

Requested specific reasons for denial of mortgage application in writing from loan officer at Bank of America on XX/XX/19. Did not receive a response. 


In accordance with the equal credit opportunity act ECOA : " specific reasons why your application was rejected. The lender must give you the specific reason for the rejection or tell you that you have the right to learn the reason if you ask within 60 days. An acceptable reason might be your income was too low or you havent been employed long enough. An unacceptable reason might be you didnt meet our minimum standards. Thats not specific enough information. ''
Product: Debt collection

I have good credit XXXX XXXX Payment history So when a collections for {$120.00} showed up on my credit report, it was very alarming Upon calling the company, they also agree that they thought it was fraudulent. But they wanted me to pay them a {$190.00}. 
To take it off my credit report completely and sign up for .It 's credit monitoring for XXXX dollars a month I feel like this is a big scam. If I pay the {$120.00} now I have a collection on my credit report for XXXX years Unless I pay them a {$190.00} and XXXX dollars a month. They are saying that the debt is associated with XXXX. 
Which I currently have, and I am in good standings with I went to the address associated with this debt, and it is a vacant building.
Product: Bank account or service

Its the policy of my bank, Wells Fargo not to cash checks made out to anyone if its more than 30 days old, my understanding is that require the person, or company to get another check issued if its more than 30 days old. Wells Fargo cashed a check to the city of XXXX for XXXX, on XX/XX/2016 for check dated XX/XX/2016, which cause my account to be overdrawn, because the replacement check was cash on the same day. City of XXXX claim they did not receive first check for XXXX, so I sent them another one for same amount. { # XXXX } I called Well Fargo [ XX/XX/2016 } to inquire about the reason they cash check XXXX, since it was 30 days old, The representative stated that it was their policy, but that the city was at fault for holding check so long, and that there nothing they could do. 
My question is, why have the policy if you do not follow it?
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/2024
Product: Mortgage

After talking to all these representatives and given the run around, it looks like the Bank of America department that handles the Homeowners Assistance fund does not share any information with the Bank of America Home Retention Department. 

I applied for Homeowners Assistance Fund which BofA had to approve. Took BofA a long time to approve. Wasnt approved until I called I and was told oh this is a new program. 

Called in to find out about status of homeowners assistance fund and told they know nothing. But still insisted my deadline to sign deferral papers is XX/XX/2022. 

No options as to what happens if I sign deferral and BofA receives payoff from Homeowners Assistance fund. No option to extend the deferral date to allow them time to receive the payment. 

Conclusion : Bank of America is trying to get paid multiple times from multiple sources and to the not to help the consumer. This process is not fair to consumers. 




On XX/XX/XXXX spoke to representative named XXXX given no information about the mortgage assistance program. 


XX/XX/2022 XXXX XXXX-told they do not communicate with that department. And I needed to call HUD. I then asked to speak to manager. Said she would send a request XXXX XXXX. Asked to speak to a supervisor said she could not send a request to a supervisor but would have to send the request and needed to transfer the escalation person. Was transferred XXXX XXXX. 
XXXX XXXX Asked for a supervisor. Said she would sent an email to supervisor. 

Also they do not communicate with the BofA department that handles Homeowners assistance fund. And the Homeowner Assistance fund department at BofA does not talk to homeowners.
Product: Debt collection

To Whom It May Concern : Upon reviewing my credit report, I have identified the following account contains inaccurate information. 

In accordance with the Fair Credit Reporting Act, I hereby request an investigation into these items and their subsequent removal from my credit report. I understand that it is your responsibility to verify these items with the creditor who reported them. If the creditor is unable to provide verification, please delete the information from my report. Pursuant to 15 U.S.C. Sec. 1681i ( a ), I expect this reinvestigation to be completed within XXXX days of receiving this letter. 

Please send me an updated copy of my credit report to the address provided above. As per the act, there should be no charge for this updated report. Additionally, I kindly request that you notify any party who has received a copy of my credit report in the past XXXX months about the corrections made. 

Thank you for your attention and assistance in resolving this matter.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ) .I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair CreditReporting Act. I am a victim of human XXXXXXXX XXXX XXXX XXXXXXXX and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following 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
Product: Credit reporting, credit repair services, or other personal consumer reports

while login on to my credit monitoring I noticed that a few accounts that was on my report 1.XXXX XXXX  XXXX {$740.00} 2.Bmw financial services XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance to Fair Credit Reporting Act XXXX XXXX XXXX  # XXXX Has Violated my rights 15 U.S.C 1681 section 602 A. States I have right to privacy, 15 U.S.C 1681 section 604 A Section 2 : also States a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit card

Received my Comenity XXXX Credit Card XXXX for XX/XX/XXXX and paid it in full, {$150.00}, on XX/XX/XXXX. XXXX was due XX/XX/XXXX. 
Received another statement from XXXX XXXX XXXX indicating my payment was late and I was charged a late fee. 
I sent a message to Comenity XXXX online on XXXX indicating an error on their part. I provided a screenshot of the bank information indicating that the payment was sent on XX/XX/XXXX and cleared on XX/XX/XXXX. 
I received an online message back from Commenity that the information was sent to the proper department. 
I received a letter stating that I needed to call them. I called on XX/XX/XXXX, the date I received the letter in the mail, and was told that I could receive a courtesy for the late fee. I explained via bank records that there the payment was made on time, thus no late fee to receive a courtesy. I closed the account and was told the balance was {$0.00} via phone. 
In the mail, I received a notice ( dated XX/XX/XXXX ) that a balance of {$17.00}. 
I sent a message on XX/XX/XXXX online stating that there was no way I could have a balance or late fee or any fee on a {$0.00} balance. 
The company replied that I was late on my original payment on XX/XX/XXXX, that they only gave me a refund of {$15.00}, and that I have late fees and interest. 
I replied again online on XX/XX/XXXX that via phone, it was a {$0.00}. 
The reply from Community on XX/XX/XXXX was more detailed and continued to state I still owe them money and did not acknowledge the {$0.00} mentioned via phone. 
My current statement, received XX/XX/XXXX, has a {$74.00}. The statement does not show any of the courtesy- or the balance update discussed on XX/XX/XXXX on the phone. 
I am conducting information only online now, so everything written since the phone conversation that stated that the balance was {$0.00} is not being acknowledged or that the original payment was received on time via bank records.
Product: Credit reporting

XXXX XXXX 2016 -- XXXX YOUR COMPANY ( ANNUAL CREDIT REPORT ) PRACTICES FRAUD eg. Equifax GAVE NO FREE REPORT ; must call or send info. XXXX GAVE NO FREE REPORT ; must call or send info. and XXXX GAVE NO FREE REPORT. IN FACT CHARGES XXXX AND CHARGES MORE IF THE SERVICE THEY GIVE IS NOT CANCELLED. YET THEY DID NOT ACCEPT MY CHARGE CARD.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently looked at my credit report and noticed numerous fraudulent unauthorized credit inquiries listed on my credit report for the following : XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX and XXXX XXXX XX/XX/XXXX. As stated in the FCRA, you are required to respond to my dispute within 30 days of receipt of this complaint. If you fail to offer a response, all disputed information must be deleted. I thank you in advance for your prompt response and resolution of this issue.
Product: Credit reporting or other personal consumer reports

please delete all the fradualent accounts and unathorized inquiries listed below this is incorrect and wrong reporting Name of 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

On the XX/XX/2023 I wrote Experian a letter stating that I never authorized some inquiries and that I was disputing them because they are negatively effecting my credit and ability to use my credit to acquire financial products and assets. 

I asked them to send me evidence of proof that I did indeed inquire about my credit with wet signatures if they could. The simple request falls in line with the Fair Credit Reporting Act and asked them to remove the inquiries and to send me an updated credit report reflecting the account changes upon completion. 

On the XXXX of XX/XX/2023 I received multiple emails about the letter and when I looked I did not see any changes. 

When I called on XX/XX/2023, I spoke to someone and they sent me to the fraud department. 

When I was speaking with the fraud department, they had me on the phone with a person that I could not understand. 
As I went down the line of items that I was disputing, I verbally informed them that I revoke any and all authorization to report on my name and or social security number. He told me to get in contact with the companies that I was disputing the inquiry over. I expressed that I have already done so and they referred me to the Credit Reporting Agencies such as Experian. 

I asked to speak to a manager or supervisor and he refuses to transfer me. I then asked to speak with anyone aside from him and he refused to do so. All I wanted was for the inaccuracies to be removed and he said since I have a car loan that he could not do anything. I also expressed that I sent the letter and it stated that they needed to prove with wet signatures that I indeed made the inquiry. They did not provide any and they did not transfer me. 

I am under the impression that a foreign entity has captured the reporting agencies in order to disrupt the agricultural and economic abilities to use credit in the United States. I am a Veteran who has proudly served in the XXXX and I understand that through House Joint Resolution there is no lawful money through the Truth and Lending Act ( TILA ) no one has the authority to deny me an extension of my own credit. 

Through my private investigation I have come to the conclusion that this Experian and its agents are committing fraud and racketeering.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to help my daughter get an apartment, while I was there, I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left, I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. XXXX XXXXXXXX {$510.00} XXXX XXXX   XXXX {$7500.00} XXXX XXXX {$800.00} XXXX XXXX  XXXX {$670.00} XXXX   XXXX {$3800.00} XXXX XXXX XXXX XXXX {$1400.00} XXXX XXXX XXXX {$560.00} XXXX XXXX {$570.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had numerous issues with Experian. In XX/XX/XXXX, I spent hours trying to get a credit freeze and had to submit numerous documents such as copies of Drivers license, bills, etc., to prove who I was. 

Finally in XX/XX/XXXX, I got a letter from Experian sent to my correct address. 

Then In XX/XX/XXXX, I requested a credit report from XXXX   and found out that I might have been the victim of identity theft. 

The letter I got from Experian was sent to an address I had quite a while ago. So, they have corrupted their files between XX/XX/XXXX and XX/XX/XXXX of this year. 

I tried to get this fixed by filing a dispute online with them. And they wouldn't let me provide the information. I kept getting error messages. 

I shouldn't have to waste hours and hours of time not to mention the aggravation and concern with sending private documents in the mail to these companies. If they are making money off of me, the least they can do is be sure the information they provide is accurate and not make me jump through hoops regarding my own information! 

Anyway, please see to it that Experian gets its act together and changes my address back to the correct one. 

Thanks, XXXX XXXX XXXX
Product: Credit card or prepaid card

I have this same problem with all Synchrony credit cards. They do not follow standard business practices when accessing payment amount due, late fees, etc. example. Purchased 800 item from XXXX XXXX   via Synchrony card. Terms are 36 months, no interest, payments {$23.00} a month. Purchased made right after XXXX XXXX. Made a {$200.00} payment XXXX XXXX. Did not show up. I thought payment did not go through. Paid again XXXX XXXX, XXXX another {$200.00}. Called and explained. They send back my {$200.00} in a check. Next statement shows the original purchase plus another {$200.00} purchase. Payment now due in XXXX. I paid XXXX?. Dollars. Next statement shows a payment due of XXXX on XX/XX/XXXX because of their error. Called once and was placed on hold twice and then hung up on. I am currently on second call with 20 minutes in and probably will eat no answer. Second time I spoke with XXXX operator number XXXX. Still on hold. 

Second Synchrony with XXXX. Can get refunds but payment due is still based on old incorrect amount. W late charge if you pay pay, ent. Asked on erroneous amount. They say they cant fix it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently applied for a job, and as part of that application process First Advantage conducted a background check on behalf of the company I applied to. 

First Advantage contacted my previous employers to verify my work history, and one of my previous employers reported that I was terminated for cause. However, I was not terminated by that employer for any reason, I voluntarily resigned. 

I initiated a dispute with First Advantage, and provided them with a copy of an email I received from the former employer acknowledging and accepting my resignation. First Advantage re-opened the background check, but then closed it again without taking any action whatsoever to further investigate, and continues to report that I was terminated for cause.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of my numerous 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 an alleged fraud or extortion. Please delete the following inquiries : XXXX XX/XX/2022 and XXXX XX/XX/2022. Please delete these inquiries immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was informed by my banker that I was not approved for a personal loan because of derogatory items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

InXX/XX/XXXX, my husband and I sold our old house and purchase a new one. Once moving into our new house, I received a XXXX XXXX XXXX XXXX with a {$6500.00} credit limit that was mailed to my old mailing address but luckily forwarded to my new house. I did not apply for this card so I called XXXX and cancelled my credit card. Since then, I have had 3 XXXX XXXX  application submitted in my name without my knowledge until it shows up from my credit alerts.XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. All applications were denied. All were applied under my old address. I have called XXXX each time and told them I did not apply for these cards and please send the credit bureaus a request to take this off my credit report but with no prevail. I have researched and it seems many people are having the same issue with XXXX and XXXX around the XX/XX/XXXX time-frame and once the buy a new house. I do not have any other fraud alerts coming across for any other cards just XXXX XXXX, please Help this is ruining my credit.
Product: Debt collection

DCI ( Diversified Consultants Inc. ) have been given repeated opportunities to provide me with any and all documentation that the FCRA enables me to request. FCRA 609 states that I am entitled to see the physical copy of the original consumer signed contract bearing my signature. This documentation or contract that FCRA 609 is referring to is documentation that the credit bureau 's must be shown for any disputed account to be legitimized as 'verified '. DCI refuses to give me a contract yet continues to report onto my credit. I am asking to see all documentation that they have with my social security number, signature, and I.D . 
This company is in full violation of the FCRA by revealing that they only have an itemized bill and absolutely no documentation proving that the account belongs to me, however, they've refused to cease all collection attempts and to delete the account. 
Then, the company informed me that they'd send a fraud affadavit to me. I will and can take ALL legal actions myself, I don't need their help. All I need, is to see this contract prior to me moving forward with local law enforcement. Upon this company providing me with the contract, I will take the documentation to my attorney and local police department as proof that fraudulent activites have taken place. Until then, I need to see this contract ( the only legal binding document that can make me liable for the account ) that was signed in my name.