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. 
Convergent Account # 1234, has violated my rights. 

LIST ALL ACCOUNTS HERE : 1. XXXX XXXX XXXX - XXXX 2. XXXX XXXX - XXXX 3. XXXX XXXX - XXXX 4. XXXX  XXXX - XXXX 5. XXXX XXXX - XXXX 6. XXXX XXXX XXXX - XXXX 7. XXXX XXXX XXXX XXXX - XXXX * Please remove all non-account holding inquiries over 30 days old. 
* Please add a Promotional Suppression to my credit file. 

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 an 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

I just looked at a copy of my credit report. It stated that the credit inquiries mentioned below were the source of the credit request. On the other hand, I did not authorize these inquiries. I'm sending this to dispute these inquiries and request that it be taken off my credit report as a result. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

In XX/XX/XXXX my Chapter XXXX Bankruptcy was approved in the XXXX XXXX BK Court, and a XXXX mortgage from Bank of America was crammed down to a balance of {$27000.00} and payments of {$100.00} per month were to commence starting XX/XX/XXXX. The Trustee XXXX XXXX ( XXXX XXXX, CA ) made XXXX payments of {$100.00} each to Bank of America, they then sold or transferred the loan to XXXX XXXX XXXX, XXXX in XX/XX/XXXX. The first payment of {$100.00} was due and mailed to XXXX XXXX, XXXX in XX/XX/XXXX as per their request. XXXX Recieved XXXX further payments of {$100.00} each, until I got a XXXX Mortgage in XXXX and paid off all lien holders except the XXXX Mortgage at XXXX Mortgage of seeking a discharge, which is now in process. The Escrow was opne at XXXX XXXX XXXX XXXX in XXXX XXXX, CA. When they requested a demand for payoff from XXXX XXXX, XXXX submitted a payoff demand of {$27.00}, XXXX with an amount in excess of {$1000.00} calling it a short payment. The true and correct demand should be {$23.00}, XXXX. When questioned by me they said that Bank of America had entered an extra fee after transfer of the loan in XX/XX/XXXX and they were collecting that. I told XXXX XXXX, XXXX that I had called Bank of America and they said they had transferred a balance of {$26000.00} only. On further checking I learned that they Bank of America had made an ectry on my account of {$1000.00} in XX/XX/XXXX after releasing the loan, this is not permitted by Bankruptcy law and they are well aware of it, if they are seeking additional fees they must apply to the BK Court in XXXX XXXX, hold a hearing and get permission from the Court based on the application by their lawyers. over the course of XXXX years they have had XXXX different law firms represent them in my case, so they are not lacking for knowledge or information in this respect. This is clearly willfull disregard of the BK laws and they were seeking to make additional money when they can not do that. I have called both Bank of America and XXXX XXXX, XXXX again today and neither has provided any answers or a solution. Bank of America says the notes on my account state that the research ticket is closed due to the Service Release and XXXX XXXX, XXXX says they have no additional knowledge, but they did tell me that the payoff that they recieved from XXXX XXXX XXXX XXXX of {$27000.00} was still short, even though it was based on their own demand and they have not provided a re conveyance nor a refund. This is a joint complaint against both Bank of America and XXXX XXXX XXXX, XXXX for willful disregard of BK laws and acting behind the scenes to inflate my payoff when legally they have received XXXX payments of {$100.00} from the Trustee XXXX XXXX 's office and the payoff and balance should be {$2300.00}. Kindly contact both banks and research the matter and get my due refund of {$1000.00} from XXXX, XXXX. XXXX and a re conveyance as their loan has been paid off. Thank you.
Product: Credit card

Tomo Credit Card abruptly discontinued its credit card service without properly notifying cardholders. Users suddenly found their cards non-functional, with no access to their credit accounts5. The company failed to officially close the cards or provide an alternative product, leaving cardholders in limbo.

Tomo stopped reporting to the three major credit bureaus, potentially impacting users ' credit scores. When attempting to log in, users were only offered Tomo Boost, a subscription-based credit improvement service that has been criticized as potentially misleading.

The sudden loss of credit lines, some as high as {$2000.00}, affected cardholders ' overall credit profiles and potentially impacted their other credit accounts. Cardholders were left without alternatives or proper recourse, raising concerns about potential violations of credit laws. 

Behind the scenes, Tomo had defaulted on a {$30.00} XXXX line of credit from XXXX XXXX XXXX, leading to financial troubles that likely contributed to the abrupt service discontinuation1. The company 's actions have resulted in numerous consumer complaints and a loss of credibility in the market. 

Tomo Credit owes its cardholders a comprehensive explanation for these actions and the resulting impact on their financial lives.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Accordance with the Fair Credit Reporting Act CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
15 USC 1681 Section 602 A, States I have the right to privacy 15 USC 1682 Section 604 A Section 2 : States a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place known or which should be known to be inconvenient to the Consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Acct # : 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 an account without my written instructions. 

In accordance with the Fair Credit Reporting Act XXXX  Acct # : XXXX has violated my rights XXXX5 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 an account without my written instructions. 

In accordance with the Fair Credit Reporting Act XXXX  Acct # : XXXX has violated my rights XXXX U.S.C XXXX Section XXXX. A. XXXX I have the right to privacy XXXX XXXX XXXX XXXX XXXX. A Section XXXX. It also states a consumer reporting agency can not furnish an account without my written instructions. 

In accordance with the Fair Credit Reporting Act XXXX  Acct # : XXXX has violated my rights XXXX U.S.C XXXX Section XXXX. A. XXXX I have the right to privacy XXXX XXXX XXXX XXXX XXXX. A Section XXXX. It also states a consumer reporting agency can not furnish an account without my written instructions. 

In accordance with the Fair Credit Reporting Act XXXX  Acct # : XXXX has violated my rights XXXX U.S.C XXXX Section XXXX. A. XXXX I have the right to privacy XXXX XXXX XXXX XXXX XXXX. A Section XXXX. It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

Fraudulent inquiry from XXXX XXXXXXXX XXXX, XX/XX/XXXX & XX/XX/XXXX I was a victim of identity theft someone got a student loan in my name. Its showing on my XXXX. Ive contacted all the credit bureau plus ED financial. They have not given me any proof or removed it .Can someone handle this matter in a timely manner, Im actually trying to purchase a mortgage. Im also filing a complaint on XXXX XXXX, XX/XX/XXXX a late payment was placed on my account due to their system error, my balance was paid in full, but the credit companies need to update their systems. I am a victim of identity theft XXXX and XXXX during XXXX Also, my cards were hacked. I had to pay money back
Product: Credit reporting or other personal consumer reports

I recently looked at my credit report and noticed incorrect information on my report. 
The information youre reporting is inaccurate on my credit report. You are reporting a late payment for all through XXXX which is incorrect. 
I was never late on this account. Also, a late payment for XXXX is not correct either. 
I request that you verify the information and update the payment history on this account as PAID, NEVER LATE immediately. 
After doing so please provide me with an updated credit report reflecting the changes.
Product: Credit reporting or other personal consumer reports

Doing Equifax data breach, my information was stolen and there still is accounts and inquiers that are not mine. I had called Equifax many time and got no where. 
All so asked them about the date breach lawsuit and the money Equifax owes me.
Product: Credit card

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Complaint Against Discover for Unfair Dispute Resolution Transaction with XXXXXXXX XXXX Discover Dispute XXXX XXXXXXXX ) Dear Consumer Financial Protection Bureau, I am filing a formal complaint against Discover regarding their handling of my dispute with the merchant XXXX  Despite providing all necessary documentation proving my case, Discover has unfairly ruled in favor of the merchant, leaving me financially responsible for an incorrect item I returned. 

Details of the Dispute : Merchant Name : XXXX Transaction Amount : {$1900.00} Date Item Returned : XX/XX/year> Return Tracking Number : XXXX ( XXXX ) Background : I originally purchased a specific puffer jacket from XXXX, but the merchant sent me a completely different item. Upon notifying them of the error, they provided a prepaid XXXX  return label, which I used to promptly return the incorrect item. The return tracking confirms that the item was delivered to the merchant. However, despite complying fully with the return process, XXXX has failed to issue my refund. 

Discovers Unfair Handling : I disputed this transaction with Discover, providing all relevant evidence, including proof of return and tracking details. Despite this, Discover has ruled in favor of the merchant, effectively forcing me to pay for an item I neither ordered nor kept. This decision is unjust, as I have fulfilled my obligations and should not be held liable for the merchants failure to process my refund. 

Request for Assistance : I am seeking the CFPBs intervention to ensure that Discover adheres to fair dispute resolution practices. Specifically, I request : A thorough review of Discovers handling of my dispute. 
That Discover reverses the charge and credits my account for the disputed amount of {$1900.00}. 
That Discover provides a clear explanation of why they ruled in favor of the merchant despite the provided evidence. 
Thank you for your time and attention to this matter. I appreciate your prompt response and any action you can take to ensure fair treatment in this dispute.
Product: Credit reporting

XXXX XXXX XXXX account in collections since 2008 for balance of XXXX. XXXX collections provided the account number and directed me to XXXX. The XXXX XXXX XXXX representative researched the issue contacted the collections agency and provided the following diagnosis : the spelling of the my first name and Social Security Number, do not match those listed on the account. XXXX XXXX XXXX will notify the collections agency of its error and remove my information from its records.
Product: Mortgage

I had received my normal month-end statement that said our new balance to pay on XX/XX/2020. No where in the statement did it mention a specific process for paying off our balance or that our funds wouldn't be applied like normal during our automatic payment on XX/XX/2020. On Saturday, XX/XX/2020, I received an automated message saying that I needed to call PennyMac during regular office hours regarding my account. I called on Tuesday, XX/XX/XXXX because of the holiday on XXXX XXXX. When I called, I told the lady on the phone that I had received a phone call on Saturday that I needed to call them for some unknown reason and explained that my bank account had never showed that my payment was made. When the lady looked into it further, apparently the balance due was less than the amount owed and that I couldn't pay off my loan using the same method as the previous 3 years worth of payments. I needed to request a payoff demand statement for {$25.00} and pay using a wire check, or certified cashiers check within a week of requesting the payoff demand statement. Had I known this prior to my payment due date, I would have gladly done this, but there was no communication whatsoever throughout the life of our loan that shared this information. I checked on PennyMac 's website that I log into and it didn't say anything. So not only did I have to pay extra fees to pay off my loan, but I was charged interest on top of it because my payment was late. There's no way that a normal person would know this and they made it way more complicated than it needed to be. I was surprised that I never received a letter saying something to the effect of it looks like your close to paying off your loan, here 's your next steps. They chose to not disclose that information to make more money and for that I am really upset. If my previous month 's statement had said anything like that or to call them to ask for payoff next steps, I would have gladly done so, but that was not done and I assumed that everything was good to go because all of my previous payments had gone through.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date : XX/XX/year>XXXX  To : LexisNexis Risk Solutions Consumer Center XXXX XXXX XXXX XXXX, GA XXXX Subject : Request to Update Public Records with Phone Number Dear FactorTrust Support Team, I am writing to request an update to my public records in your database. Specifically, I would like my current phone number to be added or updated in your records to ensure the accuracy and completeness of my profile. Details to Update : Phone number : XXXX I have attached proof of my identity and documentation verifying my current phone number for your review. Please let me know if additional information or documentation is required to complete this request. I kindly ask that this update be processed promptly. Once completed, I would appreciate confirmation of the update to my public records. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX
Product: Checking or savings account

I opened a chime account in XXXX, I used it extensively, it seems someone gained access to my account around XXXXXXXX XXXX XXXXXXXX, I have several fraudulent transactions, I then had duplicate transactions, after inquiring with customer service I began receiving strange emails they asked me about XXXX transfers that were made into my account that didnt make sense.. they never released XXXX large transfers made to my account, after months, I finally got customer service to agree to send me a statement and escalate the case which have both still not occured.. right after the large missing transfers they closed my account for no reason
Product: Credit card or prepaid card

Someone opened a credit card using my email account. Bank of America will not open a fraud investigation or delink my email since the account isn't under my social. 

I do not want to be associated with this fraudulent account.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct In accordance with the Fair Car Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violations of not reporting 100 % accurate.
Product: Credit reporting or other personal consumer reports

I had to come into reinvestigate this case and they fail to properly investigate now Im also they are hurting my credit. I believe they owe me money to them over {$1000.00} concerned by the CFPB reported damage not filing through in the report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in all required documents by mail to the three credit bureaus in XX/XX/2019. They have failed to respond with in the stated requirements of the fair credit reporting act section 605b. I am a victim of identity theft and in desperate need of these items being removed from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I filed a dispute against XXXX XXXX with all XXXX of the credit bureaus for reporting inaccurate/ unverifiable information on my credit report certified mail. XXXX XXXX reported XXXX inaccurate/ unverifiable debts on my credit report trying to claim the same debt. The XXXX XXXX XXXX Partial Acct # XXXX .... stated the Status ( XX/XX/XXXX ) Paid, Closed with payment history for only the months/ year of XX/XX/XXXX-OK, XX/XX/XXXX-OK, XX/XX/XXXX-XXXX, XX/XX/XXXX-XXXX and then reports no other data for any of the other months or years. The XXXX XXXX XXXX Partial Acct # XXXX .... Status ( XX/XX/XXXX ) Account Charged off. {$9400.00} written off. {$9700.00} past due as of XX/XX/XXXX. I asked the Credit to delete be information was inaccurate/ unverifiable information. The XX/XX/XXXX Partial Acct # XXXX .... stated the Status ( XX/XX/XXXX ) Paid, Closed with payment history for only the months/ year of XX/XX/XXXX-OK, XX/XX/XXXX-OK, XX/XX/XXXX-XXXX, XX/XX/XXXX-XXXX came back with the remarks that this item remains unchanged from our processing of your dispute in XX/XX/XXXX. This Account continues to report inaccurate/ unverifiable information with missing data on my credit report and needs to be REMOVED and DELETED PERMANTLY. The XXXX XXXX XXXX Partial Acct # XXXX .... Status ( XX/XX/XXXX ) Account Charged off. {$9400.00} written off. {$9700.00} past due as of XX/XX/XXXX Came back Verified and they updated the status of my account to : The XX/XX/XXXX Partial Acct # XXXX .... Status ( XX/XX/XXXX ) Account Charged off. {$9400.00} written off. {$9700.00} past due as of XX/XX/XXXX. I have never had a contract with XXXX XXXX nor have I ever made any kind of consideration to pay XXXX XXXX. So, it is illegal for them to keep updating this account as past due. I also received a form XXXX Cancellation of debt from XXXX XXXX stating that {$7200.00} had been discharged but XXXX XXXX continues to report to the XXXX credit bureaus that I am still past due {$9700.00}. after it reported a XXXX-C to the IRS for the { {$9700.00} } as income. Income is no longer debt as taxes are paid on income. I have tried to reach out to XXXX XXXX to resolve the matter but got the run around and hung up on several times. In accordance with the Fair Credit Reporting Act, everything has to be % XXXX accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these R accounts listed below are in violation of not reporting % XXXX accurate and need to be DELTED and PERMANTLY REMOVED from my credit report : XXXX XXXX Partial Acct # XXXX ... 

XXXX XXXX Partial Acct # XXXX ....
Product: Credit reporting, credit repair services, or other personal consumer reports

I just logged in to my Experian account and it is saying there are 5 new collection accounts and 3 new open accounts, and I have no unpaid accounts and haven't opened any new accounts and considering the ongoing battle with identity theft, I check my credit reports regularly. However, Experian is not showing what the new collections are for me to dispute or the new accounts AND their website will not allow me to get a current copy of my credit report so I can see the accounts to dispute them and I have their XXXX premium {$19.00} per month membership. How am I supposed to dispute accounts if I can't even see them on my credit report!
Product: Debt collection

agency has accepted settlement and refuse to show the credit reporting changes to my credit : Procollect XXXX, TX XXXX Violating the F.A.C.T Act. they are reporting delinquency of the account in which they have accepted funds. 

They have repeatly change my last date of activity to change when this item is to be removed from my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company has allowed companies to pull my credit and add accounts that are clearly frivolous And never contacted me per my request if any one applies for credit in my name
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX XXXX  and XXXX  account is closed it is being reported as open as of around XXXXXXXX  i have disputed this with transunion and they refuse to fix it it has damaged my report tremendously XXXX  XXXX  report this as closed account as has been for over 6 almost 7 years
Product: Credit reporting, credit repair services, or other personal consumer reports

On both XX/XX/XXXX andXX/XX/XXXX I applied for vehicle loans. All three repoting agencies are showing multiple hard credit checks ( 9 in total ) for these two dates despite them originating from the same dealer. There should only be two hard inquiries present.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX at XXXX, I received an email from the so-called Experian, XXXX, telling that it had recently changed to the new address ; however, this address was my current address and it had stated many times for past few weeks. If I correctly understand, this company was making a joke to state I was moved to the address, where I had lived more than 19 years recently. Or, it considers somebody called, XXXX XXXX, was moved to my current address. Don't you think this company is phishing to me?
Product: Debt collection

This appears to be a duplicate account that was sold to a collection agency per a XXXX account I did not open. I reached out to XXXX about this account in XX/XX/2020 inquiring about an account that I did not open inaccurately reporting to my credit reports. They would not assist me because I couldn't verify the account that I did not open but was being negatively impacted by. I asked them to close the account ; however, they would not assist in any way.