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

Statement of Fact : Congress found that the purpose of the Fair Credit Reporting Act ( FCRA ) is to require that consumer reporting agencies ( e.g. XXXX, XXXX and XXXX ) adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance and other information in a manner which is fair and equitable to the consumer.

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Affiant Facts : Affiant is aware and has proof in the attachment labeled as Exhibit B. 
( XXXX  ) Account # XXXX, ( XXXX ) Account # XXXX is in violation of several laws in regard to how they are reporting and are stated as follows : 15USC1681-A 15USC1681s-2 15USC1681a 2 ( A ) ( i ) 15 USC 1681e ( b ).

The inaccurate reporting of both my account status and payment status by ( XXXX  ) Account # XXXX, ( XXXX ) Account # XXXX is causing harm to my credit reputation and financial standing. 
All items listed in Exhibit B are invalid, inaccurate, not timely and carry no documented evidence, it is damaging to my character, creditworthiness and well being by falsely stating those non compliant unverifiable accounts on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, and again on XX/XX/2019, I requested my Experian credit report online through XXXX. Experian refused to supply my report online, and their message asked me to request the report in writing. On XX/XX/2019, I completed and mailed the Annual Credit Report Request Form with the requested identifying information. Today, XX/XX/2019, I received a letter from Experian refusing to supply my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has erroneously reported a XXXX account to my credit report when it is under legal investigation with a law firm. Over 7 letters have been sent between me and the law firm. XXXX and XXXX have removed this account and do not report on it. Experian refuses to investigate further and asks the creditor if the account exists. They violate the following : 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 XXXX XXXX The Fair Credit Reporting Act ( 15 USC 1681 ), in conjunction with The Fair Credit Billing Act ( 15 USC 1601 ), states that when the alleged debt is in dispute and the debtor is represented by an attorney, the creditor may not report the debt as delinquent.

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 or 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

Credit bureaus are reporting inaccurate information on my credit reports with the XXXX XXXX account. Credit bureaus are not attached letter that I have supplied to be attached to the credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

PLEASE CORRECT MY NAME AND ALL ALIAS NAMES AND PREVIOUS ADRESSES THEY ARE WRONG I NEVER USED THEM AND NEVER LIVED AT THOSE PLACES I EXPECT THE COMPNAY TO DO THEIR SEE LETTER ATTACHED
Product: Credit reporting or other personal consumer reports

I am sending a response to the recent investigation. I disagree with your findings and am requesting complete accuracy. I am not convinced that adequate efforts were made to contact the creditor reporting this information on my report. Therefore, I am now asking for more details regarding this specific account in question : XXXX XXXXXXXX XXXX XXXXXXXX Balance Owed : {$3700.00} I request immediate verification of the payment history and status of this account. Your records do not align with mine, and I believe the reported information is incorrect. I have consistently made timely payments and have never been late on this account. I demand a comprehensive investigation and swift correction of any discrepancies to ensure legal and accurate reporting ; As previously stated under the Fair Credit Reporting Act ( 15 U.S.C. Section 1681i ), please reinvestigate and update this disputed account. Additionally, please provide me with the names and addresses of the individuals you contacted. You have fifteen ( 15 ) days from the receipt of this letter to complete these actions as per 15 U.S.C. Section 1681i ( 5 ) ( A ), unless you notify me otherwise. Failure to verify within this period constitutes non-verification, and the accounts must be promptly updated in accordance with Section 1681i ( a ).
Product: Credit card or prepaid card

It came to my attention back in XX/XX/XXXX that I had failed to update my credit card number in my bank payments and had continued to make the payments to the wrong account ending in XXXX. I have researched back to the first of the year and all of my payments were paid to the XXXX account and were applied by the company to the correct number XXXX until XXXX. I wasn't aware of the problem until the payments were no longer showing up. I called on XX/XX/XXXX and opened a dispute and advised I had a {$1000.00} credit on account ending in XXXX and would like the money refunded or transferred to the new card ending in XXXX. AS of today XX/XX/XXXX NOTHING HAS BEEN DONE. I called again today and spoke to two different people. The first one tried to tell me the money had been credited which I know was not true as I am looking at my account activity and my bank activity and of course the latest statement showing a {$2000.00} credit on the wrong account that is closed now. The second person advised they were still working on my dispute and nothing had been done yet and I needed to wait longer. AGAIN, I have received another statement for the account ending in XXXX and I now have a {$2000.00} credit balance that should be refunded to me or applied to the correct account XXXX. PLUS, I am paying interest on the balance I am carrying and it is wrong since the {$2000.00} payments made are not credited. Could someone help me please???????????? Thanks!
Product: Credit reporting, credit repair services, or other personal consumer reports

The official AnnualCreditReport website is intended to be an easily accessible way for consumers to review their credit reports from XXXX, Experian, and XXXX each year. After entering my personal information on this website on XX/XX/2019, including my social security number, I was immediately notified by all three credit bureaus that they are unable to deliver my credit report online for some unexplained reason, and instead simply redirected me to either a phone number or a postal address. I could have reached out via these channels on my own without having to visit the AnnualCreditReport website and entering my SSN -- so what is the purpose of the AnnualCreditReport website? It seems to me that the credit bureaus are only on the AnnualCreditReport website to make it seem as though they are transparent and easy to reach, while they really are discouraging access to information by creating unnecessary hurdles for consumers to jump through.
Product: Debt collection

I recieved an email on XX/XX/XXXX from Resurgent /LVNV Funding LLC about a debt they said I owed. I requested more information and they uploaded the credit card statements to my portal. These statements and this account are for another person named XXXX XXXX who was living in Texas when they had this card. That is not my name nor have I lived outside of Tennessee. I reached out via phone and email multiple times to dispute this and then did a dispute on XXXX most recently and then are saying it is my debt but how can that be when it is for another name and address and they have not verified the social obviously bc it is not me. I have lease statements, drivers license, paystubs etc all showing I live in Tennessee and have for years and my name has never changed. I want this fixed as it's now showing as a collection on my account. they are not doing their job to accurately verify this data and it is affecting me and taking my time to repeatedly dispute their error. I am including the credit card statement they sent me, my last XXXX lease agreements at the same address I've lived at for 6 years, my drivers license, and screenshot of the email I've sent to resurgent about this that no one has responded to. I don't know how much more information I can send to prove I am not this other person and this is not my account.
Product: Debt collection

Discover bank is engaging and identity theft by unlawfully sharing my nonpublic personal information with third parties without my consent.
Product: Checking or savings account

I made 2complaints to BOA trying to get my money back they told me that I need to contact the person I sent the money to, I told them I dont know who it was .they told me to check with XXXX XXXX I asked what does this bank have to do with my complaint I was told that the money went there I then said I have no account with them never have Im really disappointed with BOA Ive been with this bank for 28 years Ive never had a issue before now
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX ( ACCOUNT NAME : XXXX 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 a account without my written instructions
Product: Debt collection

Received letter from XXXX XXXX XXXX XXXX XXXX I sent letter as i do not owe them anything. They claim to have purchase third party debt from MBNA.
Product: Credit card or prepaid card

In XXXX Wells Fargo started charging me interest on a card that was supposed to be XXXX % finance for the life of the card because they messed up the balance transfer. They refunded fees and interest charges and everything was fine for one month. Then they started charging fees and interest. Ive escalated the issues in the beginning of XXXX and still havent heard back. They do not return calls and no one can explain to be what the issue is. Theyve refunded some fees and interest and told me things were taken care of and then it went silent. They dont call when they say they will call. I e given them since XXXX to fix this. It has been 5 months. I want the interest refunded and the rate to XXXX
Product: Debt collection

XXXX XXXX refused to acknowledge my claim for credit protection multiple times. There were several recorded conversations as well as written documentation where they agreed to approve the credit protection claim so that my payments can be covered. They repeatedly alleged that they continued to receive incomplete documents. This occurred throughout XXXX
Product: Prepaid card

I was given a gift card with AMEX purchased from the XXXX store. I tried using the funds on XXXX and it declined my purchase. I contacted AMEX customer service and they offered no resolution to this. I would like to have the money refunded with a reimbursement for my inconvenience.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXXXXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Balance : {$520.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX Bankruptcy Reference # XXXX Date Filed/Reported : XX/XX/XXXXXXXX XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$260.00} XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$310.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on ID THEFT REPORT XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX Balance : {$8000.00} ; XXXX XXXX XXXX XXXX Balance : {$2800.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX ) XXXX Balance : {$3000.00} ; XXXX XXXX XXXX
Product: Credit card

Contacted BMO Bank NA to identify when Promo Balance Transfer expires. Representative provided conflicting information regarding expiration date. I subsequently requested Promo Balance Transfer expiration date to be listed on Statement. This would allow me make payment to Promo Balance Transfer before expiration date. As such, BMO Bank NA. CC XXXX is in of Violation- Card Act SEC. 106. RULES REGARDING PERIODIC STATEMENTS. ISSUE : and DECEPTIVE TRADE PRACTCE ) regarding Billing Statement with a billing cycle absent a schedule expiration closure date
Product: Money transfer, virtual currency, or money service

I am writing to formally voice my concerns about Zelle 's dispute resolution process, especially in view of the recent CFPB action that brought to light serious problems with the platform. Despite my repeated use of Zelle and my reporting of inconsistencies, neither Zelle nor my banking institution sufficiently looked into my claims. They told me that it was impossible to track these transactions and to reclaim lost money. According to the CFPB 's findings, Zelle has not only failed to safeguard customers but has also let repeat criminals to take advantage of the system, making users susceptible to fraud. This lack of transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern TransUnion XXXX. XXXX XXXX XXXX, CA XXXX XXXX  XXXX. XXXX XXXX XXXX, TX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX TODAYS DATE:XX/XX/XXXX XXXX, XXXX SOC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX PLEASE UPDATE MY PHONE NUMBER XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s )  listed below are as follow : Have enclosed a two bills ***PLEASE UPDATE MY CURENT ADRESS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX BEEN LIVING THERE SINCE XX/XX/XXXX THESE ADRESSES ARE MY OLD ADRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX XXXX XXXX XXXX XXXX   XXXX , FL XXXX Old number and is no longer mine : XXXX *****MY CORECT NUMBER XXXX CELL Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item.

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 
Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months. 

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a copy my state issued ID and a paystub statement with my Name and current address. 

XXXX, XXXX SOC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
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. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  and XXXX XXXXXXXX XXXX XXXXXXXX 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 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. 15 U.S.C 1666B ( a ) Written notice by obligor to creditor ; time for and contents of notice ; procedure upon receipt of notice by creditorIf a creditor, within sixty days after having transmitted to an obligor a statement of the obligors account in connection with an extension of consumer credit, receives at the address disclosed under SECTION 1637 ( B ) ( 10 ) OF THIS TITLE a written notice ( other than notice on a payment stub or other payment medium supplied by the creditor if the creditor so stipulates with the disclosure required under SECTION 1637 ( A ) ( 7 ) OF THIS TITLE ) from the obligor
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX ( charge off ) XXXX XXXX XXXX XXXX XXXX ( charge off ) -- {$1100.00} XXXX  ( Original Creditor : XXXX XXXX ) XXXX XXXX UNAUTHORIZED INQUIRIES : 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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

While reviewing my credit report as part of my usual routine, I was alarmed to find unauthorized inquiries. Refreshing my browser didnt fix the problem, confirming it wasnt a glitch. I am deeply frustrated and request an immediate and thorough review of the documents I provided to resolve this issue once and for all.
Product: Student loan

I received correspondence like millions of other people to recertify my student loans and to apply for the new SAVE program as soon as possible. On XX/XX/XXXX, I followed the link of my servicer 's website ( AIDVANTAGE.COM ) which redirected me to FAFSA 's website. This was nothing new, as XXXX did the same thing. I followed the directions and applied for the SAVE program and directly linked FAFSA to my IRS account successfully. I was tentatively approved on the new program for XXXX XXXX/month and XX/XX/XXXX pending review and acceptance from my servicer. According to the application progression on FAFSA 's site, AIDVANTAGE provided acceptance and approval on XX/XX/XXXX. I received a bill from AIDVANTAGE XX/XX/XXXX for {$300.00} due late XXXX. I emailed AIDVANTAGE because their telephone number was busy repeatedly and their chat function said " closed try during business hours. '' I received a response on XX/XX/XXXX saying they never received an application and that I had to complete a repayment plan exit before changing to the SAVE plan which included paying one full month on time payment. So they gave me 8 days notice to pay over {$300.00} when I was led to believe my payment would be {$0.00}. I tried to schedule a call back and there are no dates or times available. 

Even today when you go to aidvantage. com, there is a popup window that tells you to go to studentaid.gov to apply for the SAVE plan.