23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On Fri, XX/XX/year> at XXXX AM, the account holder received an electronic notification indicating an update to their phone number associated with their XXXX XXXX Credit Card account. This modification was not initiated by the account holder, who promptly informed the company of the unauthorized change and subsequent loss of online account access. 

Previously, account verification was successfully conducted via email. The account holder had not provided a phone number for the account, as none was available. The account functioned without issue until the aforementioned notification was received. 

Upon attempting to access the online account, the account holder is consistently presented with a security prompt requesting identity confirmation through a one-time passcode. The system offers options to send the code via SMS/Text or Call/Voicemail to phone numbers ending in XXXX or XXXX, or allows for manual entry of a phone number. However, these numbers are not associated with the account holder, who lacks a valid phone number for verification purposes. This situation contrasts with the previous email-based authentication method. 

A formal complaint ( ID XXXX ) was submitted on XX/XX/year>. The company 's response was ref to another XXXX & however, failed to address the specific concerns related to the XXXX XXXX Credit Card account. 

For approximately one year, the account holder has repeatedly notified the company of the unauthorized phone number update and the inability to provide a valid number. During this period, paper statements began arriving, accompanied by notices of associated charges. These charges have since been applied to the account. 

The account holder maintains that no authorization was given for account changes or paper statement requests. A new card was requested & received. Unfortunately, the account information was not 'updated '. The company 's apparent reluctance to address the unauthorized account modification and resultant online access issues remains a source of confusion and concern.
Product: Credit reporting or other personal consumer reports

This morning, I discovered an unauthorized inquiry on my credit report, and I have no idea why. I routinely check my report, but this time I was shocked to see unexpected discrepancies. I even refreshed my browser, hoping it was just an error, but the unauthorized inquiry remained. This issue is deeply concerning, and I urgently request that the documents I've submitted be carefully reviewed so I can finally have peace of mind.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XX/XX/year>, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

I am contacting your credit bureau agency in regards to the account XXXX XXXX. Your credit bureau has stated they have investigated and marked my report as verified/acceptable in the past, however, I have disputed several times stating the dollar amount and late payments is incorrect. Please advise this is in violation of FCRA and FDCPA. I am now asking your credit bureau for verification of method of investigation. Please advise your credit bureau agency has a 15 day window allowable to provide the method of verification according to FCRA. If not provided within 15 days this will be a violation of my rights and I will seek damages.
Product: Credit reporting or other personal consumer reports

I have reviewed my CONSUMER reports and i noticed that I had three late payments on an account that I was never late for. The 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 accounts that I have included screenshot inside this complaint in on dates of ( XXXX, XXXX, XX/XX/year> ). Please investigate and provide proof with statements showing that these payments were late. If proof cant be provided I DEMAND these payments be updated to paid as agreed on time as they should be due to the fact I was never late. Thanks! please see screenshot attached
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX, which falls under XXXX according to XXXXDebt 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 Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022 There is information that on my consumer report that is a result of identity theft I did nor provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting af this information be blocked and deleted. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 usc subsection 1666 ( b ) states : ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.I recently viewed my consumer reports and noticed some unauthorized credit reporting. These creditors reported late payments on my consumer reports. I never gave written permission to share my transactional history with any third parties including consumer reporting agencies. I was not given the option to opt out of any reporting to any third-party entities. This company is in clear violation of the law. Under 15 USC 1681b permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting an inaccurate payment history ( 60 day late XX/XX/2021 ) with no prior late payment. They will not allow me to speak with anyone in their credit reporting department. 

XXXX XXXX toll free number ( XXXX ) which identifies itself as their " credit bureau reporting department '' does not provide me with a live person, nor does it give an option to discuss the inaccuracy. The message directs me back to the credit bureaus and then, abruptly hangs up. 

The credit bureau - Equifax - will not conduct a proper investigation. They are not providing me with a complete and accurate report. They will not contact XXXX to verify account information. Will not conduct an investigation as required by FCRA.
Product: Debt collection

XXXX XXXX XXXX sent a pre legal notice in the mail. I called to settle my debt, but XXXX refused to send any information without me providing my checking account information. I was very concerned with this request so went to there website I was able to set up an account, but not able to submit a payment online. I then called XXXX directly to confirm my debt was sold to XXXX XXXX XXXX, XXXX did sell my debt to XXXX. I then decided to provide my checking account information with the understanding that I would receive a letter confirming payment will be taken out on XX/XX/19. The payment was pulled from my account on XX/XX/19, when I called requesting confirmation of payment XXXX refused then proceeded to tell me to call back and maybe they would be able to help. 

I am more than willing to pay the debt I owe, I'm just very concerned I have been scammed. I dealt with other collection companies in the past and have never had any issues.
Product: Debt collection

I have no knowledge of this account. I never received any information from this company. I need this removed from my credit report immediately on all three credit bureaus.
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus on XX/XX/2022, to delete this inaccurate information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX XXXX Balance : {$5600.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX : {$0.00} XXXX XXXX  Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX
Product: Debt collection

On XXXX, I recieved a summons for a lawsuit in regards to a debt that I had asked Collection Professionals Incorporated to verify initially, I had not recieved that initial information. 
The money that is believed to be owed was initially from XXXX XXXXXXXX XXXX XXXX XXXXXXXX. 

Other information to note : Under federal law, under the general provisions of Gram Beach lilley act, banks are not authorized to disclose information to non affiliated companies, or must disclose what information is shared with companies. XXXX XXXXXXXX XXXX states on their website that they do not share with non affiliates. Therefore it is reasonably presumed that this company had obtained personally identifiable information protected under GBLA and financial privacy act of 1999, and the debt collector should not have been authorized to recieve that information because it is protected under federal law and the provisions set forth under federal law. Under FDCPA, Collection professionals Inc must warn before attempting to sue, this can be found under 15 USC 1692 para 3. There was a current cease and desist that was not written in disclosure, but stated verbally. That does not invalidate the need to establish the invoking of legal remedies set forth in federal law under FDCPA.
Product: Credit reporting or other personal consumer reports

I am writing regarding my credit report, which contains inaccurate and incomplete information that requires your attention. The reason for my dispute is that your agency has not provided sufficient information to verify the debt in question. XXXX and XXXX, another credit bureau, has already corrected the inaccuracy this account from their records due to an identified error. I am perplexed as to how you have verified this account while the other bureaus have updated it. Therefore, I request that you correct this account from my credit file as it is inaccurate, erroneous, incomplete, or unverifiable. 

XXXX XXXX XXXX
Product: Checking or savings account

2nd attempt.. Same complaint. 
They lied.. they did not to to cotact me. 
I had one message and called them call that day. They never called or left another message. They also have my email and address. I've never heard from them again. 


claimed they didn't get it, so XXXX sent it again and BofA finally confirmed via phone they received it on XX/XX/XXXX. During this time after making a complaint on their XXXX  page, a spammer tried to hack my account. I called to change the user name and instead they deleted my user id, which conveniently lost all my bill pay history over the 15 years. So I no longer received any messages as they are still doing this on my old user id. I also had bills setup to pay that they didn't pay. Over {$4000.00} in bills. I had no idea they deleted my user id with current bills to be paid until I got a late notice on XXXXXXXX XXXX XXXX I spent 4 hours on the phone with them and they refused to honor the guarantee for the late payments that I had to go on to individually and pay that day. It's now been 5 months since the payment was sent to the wrong person and almost 5 months since I alerted them and I still have not received my money back for a total of {$640.00}. I'm sure the company is a legitimate company and just waiting for someone to come back and say it wasn't suppose to go to them. I did my own research and found that it's a charitable company that deposits donations through a lock box at XXXXXXXX XXXX. I even called their bank and they were helpful but told me they couldn't do anything that Bank of America was supposed to be representing me and helping me to get my money back. The check was stamped on the back as " Deposit for the benefit of the named payee '' and they held it for 3 weeks which tells me they weren't sure where to credit it. Bank of America has had this information since early XXXX, so they knew that it went to the wrong company, but continued to make me wait. During my 50 plus calls, I was transferred dozens of times, thrown back into the que on purpose and hung up on. I have been with Bank of America over 23 years and finally decided to remove all my money to a new bank. I'm having to keep a {$1500.00} balance there in order to keep from having a service fee monthly until I get my money back. After I complained about them not doing anything and demanded a provisional credit so that I could pay my card off and quite accruing interest on something I tried to pay off that XXXX, they gave it to me 2 months later and 30 days after that they took it back, causing my balance to fall below the minimum balance and charged a fee for that as well. This whole process has cost me a LOT of time and money and I still have no resolution. I started the whole process by alerting them nearly 5 months ago. This is unethical and a terrible way to do business. I just want to get my {$640.00} back and be done with this institution. Thank you in advance for your help.
Product: Credit reporting or other personal consumer reports

Experian is reporting inaccurate and incomplete credit information on my personal report. The following accounts do not belong to me : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

all account were paid off in full with all payments on time
Product: Credit card or prepaid card

Opened a Military Star card in early XXXX. Lost my job XX/XX/XXXX could no longer make payments by early XXXX. Company was charging 2 % interest on uniforms and 12 % interest on all other purchases. Company charged-off balance of {$6600.00} in XX/XX/XXXX. Last charge/usage was XX/XX/XXXX. Account turned over to a collection agency XX/XX/XXXX, XXXX XXXX XXXX. Star card added collection costs to the balance and has continued to accrue interest, now at a much higher rate, since charging it off. I was out of work for 18 months and could n't make payments. In XX/XX/XXXX, I made a payment of {$100.00}. In XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, they confiscated my Federal income tax refunds of {$540.00}, {$150.00} and {$230.00} respectively. I had an attorney make a request in XX/XX/XXXX for a copy of my original contract. Last week I received documents from them that were incomplete and would not be considered " the contract ''. My attorney says she has not been provided enough information by them to know my standing on this matter. She has found the " Military Exchange '' ( Military Star Card ), to be generally unresponsive. She sent a request to settle on XX/XX/XXXX, in the amount of {$6000.00}, which she still has not received a response. I believe that the interest that is being charged ( accrued ) is not legally permissible. They now claim that as of XX/XX/XXXX, I owe {$10000.00}. There is a three year statute of limitations for this type of debt. This limitation expires XX/XX/XXXX. They claim that I made a voluntary payment in XX/XX/XXXX. I did not. They confiscated my Federal income tax refund.
Product: Credit reporting or other personal consumer reports

EXPERIAN and XXXX XXXX received non public private information in the form of a credit application as a security collateral to receive credit for my consumer for family and personal needs. XXXX XXXX with the help from EXPERIAN used the credit score scam to discriminate against my person and block my person from trade and commerce by violating my inalienable right to credit while the consumer is practicing good faith in doing so. EXPERIAN and XXXX XXXX must be receiving kickbacks from the adverse action giving to consumers practicing good faith and their right to credit. EXPERIAN remove inaccurate inquiries from my consumer profile placed by XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX both inquiries are results of identity theft and unauthorized consumer credit transactions which no consent was released. as a living man, I believe that my property is being administered without my consent, and I require the immediate restoration of said property or I will be charging a dollar per second until the remedy is given. My application that I endorsed not as an accommodation to the party not as joinder or surety but as a creditor/beneficiary in my private capacity. The injurys caused by adverse action hindering my rights as the original creditor giving his energy to obtain credit has caused severe damages in real time and I demand restoration. This is my notice to EXPERIAN and XXXX XXXX  for the violation of the EQUAL CREDIT OPPORTUNITY ACT and CONSUMER CREDIT PROTECTION ACT along with withholding my securities committing securities fraud. Release my application for credit and return the application for credit. I revoke restrict rescind retract all interest or proceeds or anything of value from XXXX XXXX and have it returned to the original creditor.
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXXXXXX XXXX  XXXX Account Number:XXXX has violated my rights. Or a 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, credit repair services, or other personal consumer reports

I have tried, unsuccessfully, for many years to get all three credit bureaus, Equifax, XXXX  and XXXX XXXX to eliminate false/fraudulent information off my credit report. I even paid lawyers to try to help, see attached. They stonewall, refuse to respond or simply will not remove the false information. They are paid by the companies, so they just keep it on, KNOWING it is fake, KNOWING they can not produce and legal documents showing the fake accounts are mine. I have tried in XX/XX/XXXX, XXXX and XX/XX/XXXX, again in XXXX of XXXX. Then in XXXX of XXXX and XXXX of XXXX. No matter how many letters i write, demands via attorney, proof I was hacked as part of a XXXX data breach, they will NOT remove the false information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX XXXX XXXX XXXX XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit card or prepaid card

On XX/XX/2019 @ about XXXX. I called for an excess amount of interest charges of {$57.00}. 
I asked for a supervisor who's name by XXXX employee # XXXX said she could not help me with the problem and there was no one else I could talk to fix the problem. I payed the the full balance on statement due on XX/XX/2019 on XX/XX/2019 and a few weeks later interest charges of {$57.00} was applied. I have paid in full and been forced to close my Capital one credit card account. I have been paying excessive interest for 2 years and even after paying full balance I am being charged interest. I want an investigation on fraud interest charges.
Product: Credit card or prepaid card

Company will not verify in writing if account is open or closed, provide provisional credit for disputed related to pro-candle supply and or refund fees associated with the hardship program that removed these fees. They also never sent me anything in writing about enrolling or with drawing my application and continue to call me related to these fees. They refused credit line increases per every request
Product: Credit reporting, credit repair services, or other personal consumer reports

WFDS XXXX XXXX XXXX, XXXX CA, XXXX  has an inquiry on my report dated XX/XX/2016. No authorization was given and none can be provided by the company ; please remove per law or pay the {$1000.00} fine.