23daVinci/CFPB_Complaints huggingface dataset:
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 : XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX, PA XX/XX/XXXX XXXX XX/XX/XXXX XXXX CARD XX/XX/XXXX 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

Contacted XXXX on XX/XX/XXXX regarding the inaccurate reporting of inquiries/Fradulent as I am a victim of the XXXX inquiry issue that re-reports old inquiries previously removed. Customer service rep declined to assist in removal of inquiries not submitted by me and disconnected the line without reason. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX   XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX   XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX Account Paid in full/closed XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CH. XXXX BANKRUPTSY XXXX FED COURT-XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX I was alerted by XXXX that a fraudulent credit card application for an XXXX  XXXX credit card had been submitted to Bank of America in my name. 
On XX/XX/XXXX I contacted Bank of America and alerted them to the fraudulent credit card application. I was assured that the hard inquiry would be removed from my XXXX credit report and that I would receive communication regarding Bank of America 's fraud investigation. These were false statements. 
I contacted Bank of America in XX/XX/XXXX and XX/XX/XXXX about this and was told that the hard inquiry would be removed from my XXXX credit report and that I would receive communication regarding Bank of America 's fraud investigation. These were false statements. 
As of today I have never received communication from Bank of America on this fraudulent credit application, and the hard inquiry remains on my XXXX credit report. Bank of America has violated the Fair Credit Reporting Act ( FCRA ) by not resolving this within 90 days, and so under the FCRA is civilly liable to me for " actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater '' ( 15 USC 1681n ( a ) ( 1 ) ( B ) ).
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern This is the final letter I am writing to request unauthorized inquiries be removed from my credit file. In a good faith effort to resolve this matter amicably, I restate my demand that you delete the attached hard inquiries. 

I have attempted several times to resolve this matter directly with the furnishers but never received the courtesy of a reply or any communication from them whatsoever. Therefore I will be instituting legal action against each for violating Title 15 U.S.C. ss 1681i. 

In any event, I request you delete these inquiries to ensure that my credit report is accurate and correctly and fairly reflects my creditworthiness. As I am sure you are aware, the FCRA provides a cause of action for an individual consumer as well as penalties and liabilities for both consumer reporting agencies and furnishers of information for non-compliance of violations of its provisions. More specifically as you likely are aware Title 15 U.S.C.ss 1681n & 1681o provide for, among other things, punitive damages and attorneys fees. 

In any case, in light of the above, your continued unwillingness to bide by the FCRA can no longer be tolerated and any further willful noncompliance, and failure to promptly resolve this situation will leave me no choice but to commence legal proceedings against you for your unjustified actions.

Lastly pursuant to sections 1681i, subdivisions ( a ) ( 6 ) A & B, demand is hereby made that you provide me a copy of my report, reflecting the results of your reinvestigation no later than 5 business days after the completion of the reinvestigation.
Product: Student loan

XXXX  / XXXX / {$9300.00} XXXX  XXXX XXXX / {$0.00} 15 U.S. Code 1666 - Correction of billing errors ( b ) Billing error For the purpose of this section, a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement.

( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.

( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction.

( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required.

( 7 ) Any other error described in regulations of the Bureau.
Product: Mortgage

Amerisave has negligently failed to correctly calculate and process my loan on several occasions. 

Currently, they failed to calculate and pay my property tax. A {$120.00} balance is past due to XXXX XXXX, VA as of XX/XX/XXXX. An additional {$2000.00} balance is payable in XX/XX/XXXX that Amerisave does not intend to pay. Amerisave 's next payment from my escrow account is planned for XX/XX/XXXX. 

The Amerisave Servicing department says there's nothing they can do, and that I have to contact my loan officer to resolve it. My loan officer, XXXX XXXX, doesn't answer his phone or his email, so I have no recourse if I follow the Amerisave process. 

This is only the most recent error of Amerisave. Previously, 1 ) they failed to underwrite my loan by the closing date and needed me to delay my closing by a week to allow them more time. On the morning of closing, their underwriting team was still sending me initial questions and initial requests for documents. 
2 ) they failed to correctly calculate the cash need to close, erring by {$2200.00}. On my second closing date, Amerisave " updated '' my closing disclosure to reflect that I actually needed an additional {$2200.00} in cash to close that day. 

Amerisave is clearly negligent in their handling of my mortgage and they have no regard for the harm they cause their customers.
Product: Checking or savings account

I have two situations. 

The first situation, every time I have a credit, it is never reflected in the balance. It is almost like the credit is either backdated or the debit is applied twice. Today, XX/XX/22, I disputed a charge with a merchant. The issued a credit for {$58.00}, it was reflected in the ledger but not in my balance. This has happened several times, and I am just noticing that Navy Federal is back dating credits so that they do not actually get applied. THIS IS THEFT!!! 

Second, I called XX/XX/22 in regards to disputing a recurring charge. I was told that I would have to cancel the card, at which I could not do because I have pending things scheduled ( that affect my children 's lives literally ) & if the payment does not process, it will cancel out completely and it was too late to update with a new card ( they require 5 days notice, it is 3 days before the debit date ). I advised I could call back after the payment processed so it would not be in jeopardy. The institution took it upon themselves to cancel my card & did not even initiate a dispute to recoup my funds. The supervisor, XXXX who did this, responded to me saying this is going to impact my kids, & literally begging & crying to not do this until after that payment, by telling me " oh well its cancelled now. You don't have a say. '' So if my kids end up hospitalized, or even worse, I will sue this company and individual. 

This entire bank should be shut down based on the multiple complaints of them baiting & switching and stealing people 's money.
Product: Debt collection

Please remove this account from my credit report from Central Portfolio Contro company. I am a victim of the XXXX XXXX. The Central Portfolio Contro company is on my credit report for {$1300.00}. It is negatively affecting my credit score and financial integrity I sent a letter to the company requesting to see validation for the alleged debt. I have asked the for mention company for the original contract with my signature with a date showing when our business began. I have not had a respond for my request from the company at this time for proof of this alleged debt. I do not have any recollection of doing business with the Central Portfolio Contro. Please remove this from my credit report. 
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Product: Debt collection

I just received a summons to appear in court by Suisse Bancorp, they taking me to court on a loan XXXX XXXX, and XXXX XXXX, total is XXXX. Now i get a summons that i owe XXXX, I thought my lawyer use the money on my second accident to pay them, i did n't receive no letter from Suisse Bancorp until yesterday on summons.
Product: Credit card or prepaid card

The Verification section claims that their closed the credit card because they were unable to verify identity. In their own findings, the account was not founded as valid. 
They actively closed the credit card with a balance due without providing purchase review support with fraud department in 2018. 
After reaching out many times and reporting to police, Fraud support section claims they were unaware of account verification problem at account opening and any subsequent purchase review needs.
Product: Payday loan, title loan, or personal loan

Avant is reporting my loan account balance with them at {$16.00}, according to XXXX XXXX. This account was opened in 2015, payments were made and ceased due to disagreement over interest rate and the fact Avant did not take into account my credit score when calculating this rate. Numerous negative reviews on XXXX and other consumer review sites reveal Avant does not take into account credit score when granting loans. It appears Avant has not closed my account and instead has left it open and kept charging interest and fees when they have not agreed to adjust interest rate according to my credit score at time of account opening. The original loan amount is {$6800.00} and they are now reporting it at {$16000.00}, they are adding on fees and interest which will not be paid and they are doing this in order to place a burden on my credit score and history. Previously, I attempted to  resolve issue of interest rate directly with a XXXX XXXX at Avant as well as XXXX XXXX with XXXX XXXX, the bank whom issued the loan, Avant services the loan. XXXX XXXX defended the high interest rate of 23 %, I believe it is, he would not adjust it and or offer any remedy, I attempted to reach XXXX XXXX, my calls were blocked from the number I called from and I had to use a different number, when I reached a rep I was told XXXX XXXX does not accept calls. Instead of charging off the loan, Avant continues to add on fees and interest and has kept my account open since payments stopped in 2015, in an attempt to burden my credit score and file as mentioned prior, as well as attempt to collect payment. I will contact an attorney about this issue to see if what Avant is doing is legal or not. I request Avant to close account at this time.
Product: Credit reporting or other personal consumer reports

I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in a Experian & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected.This is a defamation to my character and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. 

As this my 3rd time trying to remove these items so I can buy a home. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can be can get sued for these damages. This is negatively effecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed and blocked immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX RE : DisputedAccount-Notice to Furnisher HardInquiries Dear Sir or Madam : I previously notified you that I am a victim of identity theft, and requested that you do the following : Close the unauthorized account remove any charges on the unauthorized account, and take steps to remove information about this account from my credit files.

I still have not received written confirmation of these actions.

As I stated before : I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files.

I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible.

I also have enclosed a copy of the FTC 's Notice to Furnishers, which explains your responsibilities when reporting information to CRAs. Please stop report in this fraudulent information, investigate this matter, and delete any disputed items as soon as possible. 

Please send me a letter explaining your findings and actions. 

I am a victim of identity theft, and I am writing to dispute the following fraudulent charges on my account : Sincerely, XXXX XXXX
Product: Debt collection

In XX/XX/XXXX, I noticed several small charges to my debit card with XXXX XXXX from Affirm. I disputed the charges with XXXX XXXX and after their investigation found the charges to be fraudulent and refunded my account. During this same month, I spoke to XXXX different people with Affirm, repeating the identity theft of my information, unaware of what the charge was for, and that this account was not mine. I never received any further communication, invoices, or amount total from Affirm, or a request to provide documentation for my dispute of identity theft. I was not aware that there were XXXX accounts or the amounts with Affirm until XX/XX/XXXX when they appeared on my credit report. I contacted the XXXX XXXX XXXX XXXX department and filed a claim. I also filed an identity theft report with the FTC, and a copy was sent to the credit agency and Affirm. On XX/XX/XXXX, the XXXX XXXX XXXX, after investigating removed ( deleted ) all Affirm accounts from my credit report. 
I also contacted the debt XXXX using the generated form letter from the FTC and included the victims rights pdf and a copy of the identity theft report. This morning, XX/XX/XXXX, I noticed XXXX separate email communications from Affirm, informing me that the accounts that XXXX ( debt collector ) held were being sold and transferred to a different debt collector. I continue to receive auto-generated emails from XXXX XXXX another debt collector ), with no communication from Affirm or XXXX XXXX resolve this issue.
Product: Vehicle loan or lease

I am requesting that Westlake Financial cover the costs of filing for arbitration since the XXXX rules do not specify who must bear the filing fees in this case. This arbitration involves a breach of contract by Westlake Financial, as the repossession company they used was not authorized as per the terms of the retail installment contract, which states that only we may repossess the vehicle. Westlake has not provided any documentary proof that the repossession company falls under the we category of authorized representatives. Additionally, this company breached the peace by entering a gated community without authorization. Westlakes response to a prior complaint did not adequately address these violations and deferred responsibility to the third-party repossession company. I seek swift resolution through arbitration and request that all related fees be covered by Westlake Financial.
Product: Credit reporting, credit repair services, or other personal consumer reports

My acct was with XXXX and I had a payment plan with them back in 2009. But I stop making payments because the school that I got the loan through which was XXXX XXXX ended up closing down and I found out that I couldn't use my certificate anywhere .Jobs and places was saying they needed more proof. so this have been on my credit all these years and now XXXX have sold my information to another company without my permission and they are calling me to still collect.
Product: Credit reporting or other personal consumer reports

I looked at my report back on XX/XX/XXXX, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX are not complete and accurate.

I sent a letter asking them to make sure everything is complete and accurate.

They haven't sent me back anything about the investigation. They are ignoring my disputes.

And according to nd according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to this law they are suppose to provide me a description of the investigation according to 15 USC 1681i ( 7 ) : ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.

But they did not do that as well either.

and according to 15 USC 1681s-2 they are suppose to 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.