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

Subject : Urgent : Request for Assistance - Potential FCRA Violations Dear Consumer Financial Protection Bureau, I am writing to bring to your attention a significant issue I am facing concerning potential violations of the Fair Credit Reporting Act ( FCRA ) by my student loan provider.

A year ago I discovered discrepancies in my credit report that have had a substantial impact on my credit history and score. First my account with student loans was only one and it was closed for a full year. Yet one XXXX and Transunion never merged same information on the closed account. So I contacted the lender disputing the inaccurate information that it might need to be adjusted. Instead the following happens. 

The situation involves the reopening of a closed student loan account, after a full year, resulting in the creation of XXXX new accounts. This has led to a considerable decrease in my credit score, from XXXX to XXXX impacting my financial standing. My income is {$0.00} as I am caring for XXXX XXXX children. 

Based on my understanding of the FCRA, particularly Sections 611 and 623, I believe there may be violations related to inaccurate reporting and the reopening of accounts without proper explanation. 

I have already initiated disputes with the credit reporting agencies to address these inaccuracies directly with them. However, I am reaching out to the Consumer Financial Protection Bureau seeking your assistance and guidance in resolving this matter. 

I kindly request your intervention to : 1. Investigate the potential FCRA violations related to the reopening and splitting of my student loan accounts.

2. Facilitate communication and resolution between myself and the loan provider to rectify these inaccuracies promptly. 

I have attached relevant documentation, including copies of my credit reports, for your reference. 

Your prompt attention to this matter is greatly appreciated, as it has significant implications for my financial well-being. 

Thank you for your invaluable service and commitment to protecting consumer rights. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

Recently ( XX/XX/XXXX ) I received a standard letter from HSBC regarding my credit card account - telling me that after careful consideration they were lowering my limit based on several factors listed. 

Amounts on revolving credit too high. 
Proportion of balances to credit limits too high. 
Length of time installment loans have been established. 

I do use my credit cards, I support the spending economy. I believe All of my cards are over XXXX XXXX XXXX some close to XXXX XXXX XXXX. I HAVE NEVER had one single late payment, most of the time they are paid well in advance of the due dates, always more than the amount due. 

I realize that they have the right to do these reviews, my problem is that they are based on flawed algorithms, mostly with little to NO human review. When they arbitrarily reduce the limit, it artificially increases the debt to credit ratio on that account, essentially causing an even more severe impact to lowering my credit score.This then causes an avalanche of other credit companies doing the same thing. It causes the users score to drop dramatically, costing more to obtain credit ( higher interest rates ), or leads to a complete denial of credit. 

As you are aware this can take years to reverse and can really have a very desperate impact, particularly on vulnerable populations. It can cause years of unfair impact to any borrowers and sometimes eventual financial collapse. This practice is wrong and should be halted immediately. 

It took me almost XXXX hours to speak to a customer service rep, was transferred XXXX  times and eventually disconnected. Their customer support app was as bad if not worse. The agents solution was for me to apply for a credit increase, this seemed like an attempt to make another hard inquiry on my report as well as possibly raise the interest rate on the card. 

Collectively these practices seem very much like prohibited XXXX banking practices as defined by the XXXX XXXX XXXX XXXX  XXXX  Consumer Protection Act of XXXX. This is the XXXX occasion for this to happen with my HSBC account. I have asked them to freeze the account, I will pay the balance and will no longer be one of their customers. BUT that will not stop the impact this will have on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I should have been advised that because an additional payment was made during  XXXX  the  XXXX  payment would not be deducted, despite interest accruing and that it will negatively impact my credit report, regardless of being ahead by almost 20 % on payments.     As a result my credit scores have each suffered by approx.  XXXX  points. This will impact me on multiple levels for years.
Product: Checking or savings account

I tried to get a loan they They held the funds they werent supposed to be released till the XXXX  then they returned the phones and froze up our accounts saying it was fraud. My mom Social Security goes in there and paycheck. Theyre not giving us access to one of them and I have bills to pay and Im gon na be overdraft on bills so I need to figure this out otherwise Im gon na have to try to sue them.
Product: Credit card

On XX/XX/XXXX, I received a text message claiming to be from XXXX, stating that my parcel delivery was incomplete. The message included a link that led me to a site where I was asked to provide my address and credit card details, which I entered, assuming it was for delivery purposes. 

On XX/XX/XXXX, I discovered four unauthorized transactions made in Michigan, although I am currently residing in XXXX, XXXX. When I reported this to my credit card company, they informed me that they require a complaint number in order to process the fraud claim. 

Payments made : Date XX/XX/year> - XXXX # XXXX XXXX XXXX XXXX  XXXX XX/XX/year> - XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year> - XXXX XXXX XXXX After these transactions, i blocked the card and i reported it to my credit card company.
Product: Checking or savings account

I went to the atm on XX/XX/2023. I made a deposit of {$1000.00}. All bills were of {$100.00} The machine took my money and did not credit my account. This is alot of money that is missing. I need my money as I have to pay bills and rent. This should not be taking so long. I have called and all they say is that it is under investigation.
Product: Debt collection

TRANSWORLD SYSTEM INC is claiming that I owe them {$250.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to formally express my concern and seek resolution regarding an issue on my credit report related to a late payment and subsequent charge-off that have been reported inaccurately. I have attempted to resolve this matter through several previous communications, but the issue remains unaddressed. I kindly request that you address these inaccuracies promptly to prevent any further negative impact on my credit score and financial standing. I trust that you will treat this matter with the urgency and attention it deserves. Please help me correct the late open and remove the charge off accounts immediately : XXXX XXXX XXXX XXXX  Balance : {$34000.00} You are reporting different information from other bureaus. Per FCRA, reporting must be 100 % accurate or the information must be updated. 

XXXX XXXX XXXX Balance : {$9600.00} Please check the Payment History and Status information on this account and adjust accordingly. 

XXXX XXXX XXXX XXXXXXXX Balance : {$440.00} I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. 

XXXX XXXX XXXXXXXXBalance : {$460.00} The payment history and status are inaccurate. According to FCRA 's Compliance/Obsolescence date determines when the 7-year reporting period begins for accounts that have been charged-off or placed for collection. Please delete this account immediately. 

XXXX XXXX Balance : {$3600.00} I believe this account is reporting inaccurately. I do not recall ever having a legal obligation with this company nor believe one exists. Please provide me with verifiable proof this account belongs to me. I request a signed contract which is the ONLY LEGAL authority that stipulates an agreement. Please remove it.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was placed during COVID-19 2020 eviction moratorium and should be removed. Can you assist in removing this account from my credit file XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I believe to have been a victim of identity theft and it may be due to data breach and now my credit is suffering tremendously because of it. It has completely devastated my near perfect credit rating and now I can not purchase a home as planned. Please help in this matter to get these erroneous accounts removed off my report in a timely manner.
Product: Mortgage

My Nationstar mortgage balance is not correct nor is it up to date. I have been trying to pay my home off early and get out of having to do business with Nationstar because of their bad business practices. I have paid my mortgage for the following months XXXX, XXXX, XXXX, XXXX and an additional {$5000.00} towards principle however they are only reporting up until XXXX. So I am going directly to each credit bureau again with documentation showing the correct mortgage balance and months paid up. I will continue filing disputes until the mortgage data is corrected. The information in my credit report and the information reflected with Nationstar is way off.
Product: Credit reporting or other personal consumer reports

I hope this complaint finds you well. I have expressed myself numerous times over the years especially the past year to have EXPERIAN accurately verify my account. I have sent proof of my entity, proof of the other bureaus deleting the alleged accounts due to lack of proof. I've also expressed that I have the capacity to overstand my federally protected rights. They keep sending emails and stall letters about the dispute being accurate. They have NEVER provided me PROOF of ANY documentation of my wet-ink signature, that proves these alleged accounts belong to me. EXPERIAN has successfully humiliated me. As a consumer under my federally protected rights, I have NOT given any company, or persons written instructions or verbal permission to list these alleged accounts. THAT IS A VIOLATION ACCORDING TO 15 U.S.C 1681b. I will not keep putting up with these violations and will be seeking litigation in a small claims court against your company, seeking {$1000.00} for EACH violation for EACH month for DEFAMATION, NEGLIGENT ENABLEMENT OF IDENTITY FRAUD, VIOLATIONS FOR THE FAIR CREDIT REPORTING ACT, FINANCIAL INJURY, PENALTY OF PERJURY ( 18 USC 1028 AGGRAVATED IDENTITY THEFT ), VIOLATIONS OF 15 USC 1692g, 15 USC 1692a ( ABUSIVE PRACTICES ), 15 USC 1681b ( PERMISSIBLE PURPOSES OF CONSUMER REPORTS ), 15 USC 1681 4A B2 ( MISLEADING FALSE REPORTING ), 15 USC 1666b ( TIMING OF PAYMENTS ). I hope this issue can be resolved PROMPTLY! 
Also, please be aware that i'm aware of the lawsuit that the CFPB has filed against the agency EXPERIAN for falsely claiming to investigate claims properly.
Product: Bank account or service

CIT lost or misplaced a fax on XXXX/XXXX/2016 from XXXX Bank regarding trustee to trustee transfers for my wife and I. XXXX Bank has resent the forms as of XXXX/XXXX/2016. My wifes account matured today XXXX/XXXX/2016 and CIT will not release the funds saying they need 72 hours to process the paper work. I do n't understand how XXXX can ( lose ) a fax with their confirmation number. XXXX bank also sent copies of CITs fax confirmation from both dates by email. CIT has also confirmed that they have received an email with this info. I have been on the phone many times with CIT reps, XXXX, aanthony, XXXX XXXX XXXX, but I am still getting the run around.
Product: Credit reporting or other personal consumer reports

I am writing to complaint to BANK OF AMERICA about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX XXXX XXXX and my name is XXXX XXXX XXXX. My birthdate is XX/XX/year>. The FTC report number related with this complaint is XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to delete them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus.
Product: Checking or savings account

To whom it may concern, I was sent a response to a complaint that I filed with thXXXX XXXX  and the CFPB regarding fraudulent activity that took place with my banking account on XX/XX/XXXX. In this response it was stated, We have no chargeback rights for the remaining incidents ( {$40.00}, {$98.00} and {$1200.00} XXXX because XXXX XXXX followed the specific instructions and performed the service successfully. Yes, the {$40.00} I was initially disputing was returned to me, but service was not performed successfully by XXXX XXXX because the three amounts for {$98.00}, {$240.00}, and {$1200.00} were never successfully sent to anyone or anything and were not supposed to be. The person who scammed my account stole the funds right from my bank account by using my debit card. The person phished my account when they had me delink my phone number from my XXXX XXXX account and made it appear that the funds were sent to my XXXX and they never were. They knew at that point I wouldnt be able to access that account again and used that as their opportunity to steal the funds from my account. 

SunTrust, now Truist, apparently has reps working for their institution that are in on what these scammers are doing. Not only was I provided with a fraudulent number once, but when I called the bank to report what had taken place another rep gave me another fraudulent number. SunTrust has yet to provide me with an explanation on how the reps obtained those fraudulent numbers. Saying sorry does not cut it. SunTrust needs to take responsibility for what happened and return the {$1500.00} that was stolen from me. 

I realize that its not like the bank doesnt understand what I am saying, they just dont care and do not want to own up to the wrong that was committed by the reps who represent them. With that being said, I respectfully decline the bogus resolution that was provided to me. I was told by at least two bank managers/reps that the bank would refund me my money and I want my money back. I've provided more than enough information showing that money was never sent anywhere and that the person stole all of my money from my account by using my debit card. 

I would also like the phone calls that took place with SunTrust on XX/XX/XXXX provided to me as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying over SEVEN MONTHS now to have Experian properly and legally verify items that appear on my credit report. What they have done is contacted the creditors, and the credit reporting agency ( Experian ) and the creditors have 'verified ' among themselves, without providing ME with any supporting documentation ( an 'original ' document bearing my signature ) that they, in fact, are reporting on the correct person.
Product: Debt collection

I have not consented to, authorized, nor benefitted from National Credit Systems account appearing on my credit report. National Credit Systems is and have been using unlawful, extortionate means to commit abusive, deceptive, and unfair debt collection practices to ruin my financial reputation. I have sent National Credit Systems a request for debt validation and it was insufficient to my request. Documentation supporting the charges is not the same as a trilateral contract stating that I agreed in writing to pay National Credit Systems anything, as they are not the original creditor. In regard to this, I do not believe my credit report is a true reflection of my credit or my credit worthiness. This National Credit Systems account is currently in litigation with HUD and the Department of Justice since XX/XX/XXXX. I have no problem pursuing litigation against XXXX as well as National Credit Systems for causing credit defamation. XXXX along with National Credit Systems are causing credit defamation by reporting this account because XXXX has failed to perform their due diligence to ensure they are reporting accurate information. Also, if XXXX had performed their research correctly, they would have known that National Credit Systems IS NOT AUTHORIZED IN THE STATE OF LOUISIANA TO COLLECT A DEBT ( YOU WILL SEE PROOF ATTACHED ). National Credit Systems has been active since XXXX but does not have a collection agency license, debt collection agency license, or a collection agency license to collect debt in Louisiana. XXXX and National Credit Systems is in direct violation of furnishing this account without my consent and invading my privacy. National Credit Systems is also in direct violation of a cease and desist order, and this includes all mediums including my credit report. I AM ASSERTING MY RIGHT AS A FEDERALLY PROTECTED CONSUMER AND I AM NOW OPTING OUT OF ANY AND ALL AUTHORIZATION THAT I, THE CONSUMER, MAY HAVE GIVEN YOU WRITTEN, NON WRITTEN, VERBAL, AND NON VERBAL PER 15 USC 6802, EFFECTIVE IMMEDIATELY AND INDEFINITELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

THESE BUREAUS ARE FALSELY REPORTING ALLEGED DEBT WHICH IS A FDCPA SECTION 807 VIOLATION " 15 USC 1692e ''. THE ALLEGED DEBT CAN NOT BE VERIFIED AND I HAVE YET TO RECEIVE A RESPONSE AFTER 30 DAYS WHICH ANOTHER VIOLATION UNDER THE FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

Showing inaccurate pay history .... 


XXXX XXXX  ACCT : XXXX Paid on time/ never late
Product: Consumer Loan

On XX/XX/2017 I made a complaint with CFPB concerning Auto Trakk. I also sent them a certified letter and disputed with all XXXX credit bureaus. Their response to my complaint was as followed " Auto Trakk, LLC 's records reflect all appropriate notices were provided to customer both pre and post possession of the vehicle the customer leased. '' That is not true this company is re-ageing an account and is not validating this debt which is against FCRA. I have attached a letter I received from Auto Trakk asking for my social security #, address and phone number. So what information is they sending to credit bureaus???? If this account is removed from all XXXX credit bureaus IMMEDIATELY, I WILL SUE!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. When I investigated my credit report, I realized that some of the information was erroneous. The XXXX and Equifax credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/accounts/information below. As required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX and Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at XXXX and Equifax are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. XXXX XXXXXXXX Date Opened : XX/XX/2019 Balance : {$0.00}
Product: Checking or savings account

I opened business checking account under promotion to receive {$200.00} after making {$1000.00} in deposit. I opened the account on XX/XX/2017 and have had {$3000.00} balance in the account for the last 3.5 months. I have called BOA multiple times, usually being transferred from department to department, spending hours at a time without any resolution. I had been a loyal customer to BOA, and is very frustrated with the way they are treating their customers.