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

I appreciate your time to REMOVE some of the incorrect items in my file that caused by inaccurate credit information but I still have ITEMS left that needed to be removed. Despite submitting an FTC report, these items remain unresolved. I previously contacted the companies listed below, requesting the removal of these unauthorized inquiries from their records and all credit reporting agencies. They assured me of their compliance, and each company received a certified letter indicating the inquiries were unauthorized. I demand the immediate deletion of the unauthorized inquiries and erroneous information listed below. This letter addresses several unauthorized hard credit inquiries and erroneous information on my credit report, with XXXX ( XXXX ) inquiries still present. Enclosed is my new FTC report, number XXXX, for your reference : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX -- -- -- -- -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX -- -- -- -- TransUnion XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX, DC XXXX XXXX Under the Fair Credit Reporting Act Section 605B ( a ), you are required to remove items opened without my knowledge, consent, or authority within four business days, given ( 1 ) appropriate proof of my identity; ( 2 ) a copy of an identity theft report ; ( 3 ) identification of such information by me; and ( 4 ) a statement from me that the information is not related to any transaction by me. This letter serves as a formal notice that if these inquiries are not removed from my report, I will proceed with legal action. My attorney is aware of my intentions and is prepared to hold you accountable for noncompliance. Please remove the inquiries resulting from erroneous credit reporting. Thank you for your prompt attention to this matter.
Product: Debt collection

I was checking my credit report and I noticed this company that Recovery Solution on my credit report I 've never done any type of business whatsoever with this com pany or who I owed it to a few years back my identity was stolen I tried communicating with the company that Recovery Solution and they did not want to hear what I had to say they refuse and sometimes hung up on me I did dispu te it with my credit bureau and they are denying the fact that I have rights in the consumer act. And it 's  not just one collection agency with debt recovery they have at least  XXXX  on there which is not mine relat ed to that Recovery Solution or more and they are not mine. Some of these items are placed on there  XXXX  times of the same amount and I have called the company that they are reporting it to and they have wrong addresses which I disputed with my credit agency. Please have them remove all that recovery collections off my report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the Experian Credit Bureau XXXXXXXX   to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against it. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXX XXXX XXXXXXXX Balance : {$95.00}
Product: Payday loan, title loan, or personal loan

On XX/XX/2021 I applied for a person family household credit with lend nation. I was denied unlawfully. I received an adverse action from lend nation via email which 15 US CODE 1691 ( c ) tell you exactly what a adverse action is and how it is against federal law to proclaim an adverse action against a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently reviewed my credit report and noticed some unauthorized accounts on my credit report under 15 USC 1681 a number 3. " XXXX XXXX XXXX XXXX '' added late payment to my account that was false. Equifax assumed this role without permission not only that, they did not have my consent. Equifax did not respect my right to privacy which is under 15 USC 1681 a number 4. Equifax did not exercise grave responsibility, they were unfair, they were partial. I'm taking the liberty to file a CFPB report and an attorney general 's complaint. Equifax never had a permissible purpose Under 1681 b number 2. I never instructed those guys to furnish this report and I never consented to this report in the first place.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX  XXXX/XXXX CARD HAS REPORTED TO ALL THREE CREDIT BUREAUS THAT MY ACCOUNT WAS LATE THIRTY DAYS, THIS ALLEGEDLY HAPPENED IN XX/XX/2019. IN XX/XX/2019, MY CARD WAS PAID OFF. THE COMPANY REPORTED THIS ERROR JUST RECENTLY THIS MONTH MY TRADELINES HAVE NEEN NEGATIVELY EFFECTED BY THIS INCORRECT NEGATIVE INFORMATION. I WAS NEVER LATE WITH MY PAYMENTS
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts are incorrect, and they are adversely affecting my livelihood. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I was locked out of my own funds for about 10 days due to Allys system falsely flagging transactions as suspicious. Despite repeated attempts to resolve the issue, Ally provided conflicting information, failed to override their algorithm, and ultimately forced me to incur unnecessary fees. 

What Happened : 1. Blocked ATM Withdrawals : After Ally approved a daily limit increase of XXXX XXXX, I attempted to withdraw money from an ATM. It was declined. Ally told me to try another ATM. I attempted this at multiple locations, and all transactions were declined, regardless of the amount. 

2. Blocked Purchases at XXXX : I attempted to purchase money orders at XXXX, and the transactions were declined. Ally support told me to try another XXXX location. I didand it was declined again. XXXX was falsely flagged as a fraud risk, and Ally had no way to override it. 

3. Contradictory Information About My Limit : I was assured my daily limit was in place and that I could make a large transaction the next day. 
When I attempted the purchase, it was declined. 
Ally agents gave contradictory explanations about when the limit resets, at one point claiming XXXX XXXX. tonight, then admitting that meant the following day. 
This resulted in my daily limit acting as a 30-hour reset, instead of 24 hours, leaving me unable to access my money when I needed it. 

4. Forced to Pay Unnecessary Fees : Since I couldnt use XXXX, Ally told me to go elsewhere to purchase money orders, which resulted in {$88.00} in fees that I would not have had to pay if Allys system had worked properly. 
I requested a refund for these fees. 

5. Ally Agreed to Refund MeThen Restarted the Process : After over a month of back and forth, Ally finally agreed on the phone to refund {$88.00}. 
A week later, they restarted the process entirely, acting as if no agreement had been made. 
They have now changed my reference number FOUR times, which appears to be a stalling tactic. 

6. Deliberate Avoidance of Accountability : Ally rarely confirms anything in writingthey make promises over the phone but wont commit to them via email. 
They moved my case to a secure email system, which : Does not keep a history of exchanges Prevents access after a few days Only allows them to reply every 10 business days, further delaying resolution This makes it impossible for me to track their responses or hold them accountable for what they previously said. 

Why This Is a Serious Issue : Allys algorithm controls everything, and their employees can not override iteven when its clearly making mistakes. 
Their delays, misinformation, and refusal to properly document responses appear to be intentional attempts to exhaust customers into giving up. 
This could have cost me my housing, as I needed access to my own money to pay rent.
Product: Checking or savings account

On XXXX i applied for the sba ppp loan under the care act with bank of america. on XXXX i uploaded the documents that they requested and got an approval email from them on XXXXThe loan is based on your average monthly payroll. it states on their application that new businesses should use their payroll from XXXX ( my business was only open for 6 months in XXXX ) so that's what i did and applied for {$57000.00} ( my payroll was {$22000.00} on average ) I indicated on the application that this is for XXXX and that i also attached the requested form for XXXX in case they want to go with the XXXX. i XXXX   2 locations one in XXXX  and one in XXXX  so i have 2 adp  accounts so i sent them XXXX XXXX forms ( one for each state for each year ) whoever processed the application only look at one form for XXXX and divided it by 12 months and got me approved for {$5000.00} instead of the {$57000.00} and now i cant accept the loan becasue on of the terms is that you'll hire back all of your full time employees and i cant do that with just $ XXXX.My location in XXXX  is inside XXXX XXXX   the military base serving military personnel and we've been losing money for the last month and a half and i had to cut all my employees hours. We were counting on this loan to keep our doors open and keep paying our employees.on on XXXX i called bank of America and waited 2 hours and XXXX minutes on the line just for the rep to tell me there's nothing she can do and there's no one you can talk to regarding their mistake.on XXXX i went into the bank of America XXXX branch and they didn't want to help me as well and just said they'll send an email to someone from their business department.
Product: Debt collection

I have been trying to solve medical debt from an incident a few years ago. From the time I have been notified about this debt, I have been working closely with my parents ( under their health insurance ) and with the XXXX account managers to allocate the funds to pay this debt off. Ever time Alpha Recovery Corp. calls me, they are down right abusive. They will berate me over the phone as to why I have not payed off the debt. They also knowingly mock me over the phone. The latest incident was today at XXXX with XXXX from Alpha Recovery Corp. at first she introduces herself and the nature of the call. I tell her that I can call her back on Monday when I have the account number for my XXXX, because I could only make the payment after tonight ( they close at XXXX ). As a solution to the problem I offer to email my account info later tonight and her immediate response is " how is that going to help me? '' in an aggressive and provocative manner. Many times throughout the call I have to warn her to not be aggressive with me as I am working to find a solution to the problem. I had to warn her multiple times. When I tell her that I will call her back on Monday when they are open she immediately responds with " OH YEA, I'm suuuure you will call back '', and " lets see if you actually will ''. Both those phrases were said in a mocking and aggressive tone towards me. Near the end of the call when im trying to discuss how to pay she gets aggressive towards me again, and when I try to warn her, she hangs up abruptly. Also I had told them many times previously that I am working at this time and not to call me, but they choose to ignore that and continue to harass and mock me while I try to find a solution to this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX unlawfully charged me {$300.00} for insurance I did not need or ask for, I refused to pay because I already had insurance and now theyve reported it to the bureaus and my credit is suffering.
Product: Debt collection

My complaint is with First Credit Services. 

I get harassing calls from a machine message using the name XXXX XXXX. 
I have resolved everything with XXXX, lawyers and the police were involved because my handbag and all forms of identification was stolen. I have all legal documentation, and sent XXXX emails requesting who their legal team was to have my attorney resolve this and all emails and legal proof that this is not mine was ignored. Yet, they had not problem continuing to make countless call and emails. 

I want the calls to stop, this fraudulent charge to be removed from all my credit reports and the name of their attorney or legal department for my lawyer to finally resolve and put a stop to this illegal credit reporting activity.
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 under 15 USC 1681 Dept of ed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

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

According 15 U.S.C 1681 Section 604 2. It also states a consumer reporting agency can not furnish an account without my written instructions.

According 15 U.S.C 1681c.A ( a ) ( 5 ) Section states. No consumer reporting agency may any consumer report containing any of the following items of information. Any other adverse item of other of information, other than records of convictions of crimes which antedates the report by more than seven years.

According 15 U.S.C 1681s2 ( A ) ( 1 ) A person shall not Furnish any information relating to a consumer reporting agency. if the person knows or has reasonable cause to believe that the information is inaccurate,
Product: Credit card or prepaid card

On Monday, XX/XX/2020 at approximately XXXX CST I made a call to Bank of America about the current APR on my cash rewards card ( 16.99 % ). The advertised APR range for the card is 13.99 % -23.99 %. During the call I explained that I was looking to receive a lower interest rate on the card as I have been a customer for a number of years with perfect payment history. 

The customer service representative indicated that the interest rate available was consistent with the national average, rather than based on my current customer and payment history. He indicated multiple times that the rate was 'fair and consistent '. I asked if that meant my current interest rate was fair and consistent with others who had the same card for a similar length of time with a perfect payment history. He indicated he was not a computer and could not confirm this. If this can not be confirmed why would this be communicated multiple times to the customer. 

What was most alarming during the conversation was that the customer service suggested having my account sent to a collections agency to help with my goal of paying off the debt. I was outraged. Why would a financial institution suggest a customer have their account sent to collections? A customer who has never missed a payment or never made a late payment. When I called the agent to the carpet for suggesting a practice that would negatively impact my FICO score and credit he shrugged the suggestion off as if it were no big deal that he would suggest this option as a viable means to paying off debt when I called to inquire about a lower interest rate. 

When you search the Bank of America Cash Rewards card 13.99 % APR is the lowest interest rate listed in advertisements, it is also the lowest APR listed on all credit card statements and card details for current customers. This rate should not be listed if it is not available for customers. I say this because when asked what a person has to do to qualify for this lowest rate, there were no there were no answers available, no tangible factors for receiving the 13.99 rate.
Product: Credit reporting or other personal consumer reports

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 

XXXX XXXX XXXX XX/XX/XXXX Experian.The following inquiry was not authorized and should not be reporting. 

XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian.The following inquiry was not authorized and should not be reporting. 

- XXXX XXXX XXXXXX/XX/XXXX Experian The following inquiry was not authorized and should not be reporting.
Product: Credit card

I am in the midst of purchasing my first home and am trying to increase my credit score to qualify. I have been a Capital One credit card holder for nearly two years, but accidentally had a late payment in XXXX 2014. I called and wrote a letter to Capital One on XX/XX/XXXX.The CO customer service rep I spoke with on XXXX told me it was " no problem '' and that she was " happy to report that the late payment will be removed, you should receive a letter of confirmation in 8-10 days and will see a late payment refund on your account ''. 

I CO called back on XXXX to see if I could get a copy of the confirmation faxed to me, but the rep said this was not possible. The gentleman I spoke to even stated again that the request was approved. 

I received the letter on XXXX that said my request was denied as Capital One XXXX CO XXXX was reporting the information accurately and that it would be escalated to a DISPUTE to the credit reporting agencies. I never denied the accuracy of the reporting but instead was asking CO to make a gesture of goodwill to me as a loyal customer and delete the late payment status. Now, I have a dispute on my credit report that will prevent me from moving forward on obtaining a mortgage loan ( until it 's resolved XXXX AND will cause my credit score to lower! This action should be against the law as I NEVER asked for a dispute, either by verbal confirmation or in the letter I sent. 

I never asked for a dispute but instead for a " gesture of goodwill ''. Those XXXX are not the same, and should not be used interchangeably. The staff should be trained on what " goodwill gesture '' and " Dispute '' is.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is concerning Information contained in my consumer reports. Under 15 U.S.C. 1681c no consumer reporting agency may make any consumer report containing accounts placed for collection or charged to profit and loss 15 U.S.C. 1681a sec 2 sect a section i states, any report containing information solely as to transactions or experiences between the consumer and the person making the report ; should not be on credit report. 

Transunion is still reporting my transactions and experiences without my permission.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that Experian will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : XXXX XXXX XXXX Account XXXX XXXX
Product: Debt collection

The company has never reached out about any debt. The so called company put a debt on my credit report. I have no way to reach the company as it does not exist and is fraud
Product: Credit reporting, credit repair services, or other personal consumer reports

I Cosigned a mortgage with my XXXX There was fraud on behalf of the mortgage XXXX. ( Who went to XXXX  ) He said my name would be off the loan in six months. It was not and years later in XXXX the loan was modified. However, my name remains attached to the XXXX I have never lived at the address ; I have never paid the mortgage. In the last 7 years my XXXX XXXX XXXX who lives in the home has paid the mortgage on time each month. He has the finances to continue. He bought the house he lives there. He should be getting the credit for paying the mortgage on his credit report for the last seven years. The loan should be in his name only. XXXX XXXX XXXX and their servicer XXXX should correct this. It would be easy way to settle an ongoing XXXX  problem. It would be the right thing to do. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Unauthorized charges successful iconSubmitted XXXX XXXX XXXX Unauthorized charges successful iconSubmitted XXXX/XXXX XXXX  XXXX Unauthorized charges successful icon XXXX sent ftc violation
Product: Debt collection

XX/XX/2024 Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Formal Complaint Regarding Violations of Federal Debt Collection and Credit Reporting Laws Dear Sir/Madam, I am writing to file a formal complaint against THE BUREAUS for violations of federal laws governing debt collection practices and credit reporting. I believe that my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) have been infringed upon. The specific regulations that have been violated are as follows : 1. 12 CFR 1006.34 ( b ) ( 5 ) : According to this regulation, debt collectors are required to provide specific information regarding the debt, including the name of the creditor to whom the debt is owed. In my case, THE BUREAUS failed to provide this information, which has left me unable to verify the legitimacy of the debt.

2. 12 CFR 1006.34 ( c ) ( 4 ) ( i ) : This section mandates that debt collectors must provide information about my right to dispute the debt. THE BUREAUS did not include this critical information in their communication with me, thereby depriving me of my legal right to dispute the debt within the 30-day period.

3. 12 CFR 1006.34 ( d ) : This regulation requires debt collectors to send a written validation notice within five days of their initial communication with me. THE BUREAUS did not send this notice, which is a clear violation of my rights under the FDCPA.

4. 15 USC 1681-S 2 ( 7 ) ( A ) : Under the FCRA, specifically this section, furnishers of information to credit reporting agencies must correct and update information to ensure its accuracy. Despite my repeated requests, THE BUREAUS has failed to correct the inaccurate information they reported to the credit bureaus, negatively affecting my credit score and causing undue harm.

Given these violations, I request the CFPB 's immediate intervention to ensure that THE BUREAUS complies with federal laws. I also seek the removal of the erroneous information from my credit report and appropriate remedies for the distress and financial harm caused by these unlawful practices. 
Please find attached copies of all relevant correspondence and documentation to support my complaint. I am available for any further information or clarification needed to expedite the resolution of this matter. 
Thank you for your prompt attention to this serious issue. 
Sincerely,
Product: Credit card or prepaid card

I had {$500.00} in fraudulent charges on my unemployment benefits prepaid card issued by Bank of America. I filed a dispute and got a letter from Bank of America stating that they have creditED my acct for {$500.00} on XX/XX/2021. Clearly a lie because here we are at XX/XX/2021 and I have yet to recieve the credit to my acct. I have spoken to the dispute dept at least once a week who have put in a ticket for missing funds. STILL hasn't been done. I have also spoken to many supervisors. Today after spending 40min on the phone asking to speak with a manager I finally was transferred to a supervisor, yet again! XXXX, a supervisor for the prepaid claims dept basically told me OH WELL! There is no ETA for when the money will be deposited despite the XX/XX/XXXX letter stating that the credit was already taken care of. And the dispute dept is the last level of recourse for me and nothing has been done. I have bills to pay!!! This is ridiculous and I'm at the end of my rope with this XXXX.