23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I am concerned that BoA may have been used in a fraud on its depositors. I contacted my account at BoA and was informed online that I needed to provide the correct contact information for a credit card number I do not have ( last 4 numbers XXXX ). I called BoA who passed me off to several different lines, none of whom responded. I was online with no response for 45 minutes ( I timed this so I could report it ) and then called my wealth management adviser. I learned that this might be phishing, but I could not get it resolved. I would like the CFPB to be aware that BoA accounts may be insecure or may have been inadvertently penetrated. Regardless, they provided no assistance when I called to alert them of the occurrence and at one point, dropped my call.
Product: Credit reporting or other personal consumer reports

In XXXX of XXXX, XXXX had a data breach that exposed the personal information of XXXX XXXX people. I was XXXX of those people my information was stolen and used. There is an account by the name of XXXX XXXX thats on my report thats not mine and its also reporting as a collection with XXXX XXXXXXXX XXXX I had sent documents to all credit bureaus and several disputes. Even contacted the creditor they cant verify me due to me giving them wrong information XXXX dont have the address that was used for that account. This account shows inconsistent information this account says it was open in XXXX of XXXX.
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. I submitted a letter to the Transunion Credit Bureau XX/XX/XXXX to update this suspicious 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.

I've talked to the bank & they've agreed to update the accounts. BUT TransUnion has some internal block which they're claiming they can use to not update the account because they feel they're above the law. When questioned why they're not accepting the dispute letter they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the dispute letter ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy ... as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. TransUnion 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 TransUnion is 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 XXXX XXXX Date Opened : XX/XX/XXXX Balance : XXXX
Product: Debt collection

My vehicle was seized without notifying me and I tried setting up a payment arrangement
Product: Credit card

Capital One Bank credit card division is refusing to reverse and refund an illegal and fraudulent charges. This is for a business account we have with them. We had a vendor account that was canceled with the vendor. We gave the vendor plenty of cancelation notice. Our card was then still charged and the after receiving emails and calls that the account was canceled the credit card company Capital One has refused to return and refund the charge. We have provided all supporting documents and made several phone calls and waited months for this be resolved with no solution or end in sight other than to fraudulently charge us for an account we canceled and were absolutely clear we did not want to continue the service and not be charged.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an employer run a background check on me and the results came back as " The social Security Number is valid. However, the name associates with the SSN do not match the individual being searched. After looking at the data, I have 3 birth dates that are not mine and 3 last names. I want to fix this so I do not have to explain this in the future.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX account # XXXX, has violated my rights. This account was deleted from my credit report and reinserted and I did not receive anything in writing within the 5 days of reinsertion. 

15 U.S.C 1681i section ( B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate.

( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.

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 I also attached a copy of my certified mail receipt that was sent to Equifax to dispute this item and never received anything in writing with results of the investigation.
Product: Vehicle loan or lease

Gap loan. Didnt receive any payment after car was paid off
Product: Credit reporting or other personal consumer reports

There are accounts listed on my credit report that I am not responsible for. 
1. XXXX Account # XXXX {$9300.00} 2. XXXX  XXXX XXXX  # XXXX {$0.00} 3. XXXX # XXXX {$3900.00} 4.XXXX XXXX # XXXX {$0.00} 5. XXXX # XXXX {$3000.00} 6. XXXX # XXXX {$11.00}, XXXX 7.XXXX  XXXX  XXXX XXXX {$920.00} 8. XXXX # XXXX {$3100.00} 9. XXXX XXXX  XXXX # XXXX {$2800.00}
Product: Bank account or service

I opened an account at Citizens Bankers several years ago. I have a XXXX and frequently do not read the statements. 

Finally I realized the money was going out too quickly and went to the bank. They found that the money had been withdrawn over a period of months through XXXX to Colorado! 

The XXXX was consulted an did nothing for several months. Then they said they could not take the case. 

Citizens Bank says the money was withdrawn through a XXXX account that I set up. So they are not responsible. Yes I did set up the account a couple of years earlier and I not know that it should be closed. I just sent money to a friend one time! 

I lost about {$40000.00}! it was all withdrawn in {$320.00} dollar increments sometimes many times in one day. Is the bank really not responsible to alert me about any of that when they say that they will protect the money of their depositors? Surely there are violations of banking laws here! 

Apparently no attempt has been made by the police in XXXX to call Colorado to follow up and identify who has been stealing the money. 
There are many more pages of statements if you need all?
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 XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and 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

There are wrong statuses in my report, I have never paid late these accounts   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX
Product: Student loan

Student loans were paid ahead for several months  ( See below ). Great Lakes refuses to apply the loan payments to the principal loan amounts. We have called and written to no avail. Last year these loans were paid {$6000.00} ahead, but they continue to only apply these to the interest. We have quit paying on the loans since last year since it does no good. Will attach loan statements showing amounts paid ahead and that " Total Amount Due is {$0.00} ''. The only thing that appears feasible is to just default on the loans. This is our last hope. We have been paying on these loans for 10 years. Original loan amounts were {$5000.00}  on  XXXX  and {$10000.00} on  XXXX  totaling  XXXX . Current combined loan balances is {$13000.00}. We are beyond angry and frustrated. This appears to be fraud at its best and stealing at its worst. As you can see from the below records, the payments totaled {$5400.00} for just the last quarter of last year and the first quarter of this year. PLEASE HELP US!     Loans :  XXXX   XXXX   XX/XX/XXXX  {$440.00} paid ahead   XXXX   {$980.00} paid ahead  XX/XX/XXXX  {$500.00} paid ahead  XX/XX/XXXX  {$1000.00} paid ahead  XX/XX/XXXX  {$440.00} paid ahead   XXXX   {$880.00} paid ahead   XXXX   {$380.00} paid ahead   XXXX   {$310.00} paid ahead   XXXX   {$250.00} paid ahead   XXXX   {$190.00} paid ahead
Product: Credit card or prepaid card

My company, XXXX XXXX XXXX XXXX and me were issued a credit card by Wells Fargo account number ending in XXXX. That account awards points based upon account activity. Account information is provided on the website. The website states on many points I have. In XXXX, Wells Fargo deleted XXXX points as expired. All of the transactions are viewable on the website for the account. Nowhere on the website that I could see did Wells Fargo warned me that any of the points would expire. Since all the transactions are on the website there is no need to look at statements. I note that statements posted to the website separate and distinct from the website pages contained in a small print that points would expire, which statement is separate and apart from the table that they provide for points earned and used and at the end of a long paragraph. Nowhere on the table for points earned is there any statement of points to be expired, no asterisk or footnote or any indication that points would expire. An obvious attempt to obfuscate the fact that points would expire with the obvious intent that cardholders not use their points. The failure to state points to be expired on the website, was fraudulent and misleading and contrary and contradictory to the statements published on the website. As result, Wells Fargo should reinstate the expired points or pay me the value of the expired points. Even if the statements would otherwise arguably be sufficient, note that Wells Fargo made the effort to highlight the amount due, but never did the same for the number of points to expire. A further indication of an attempt to obfuscate the fact that points would expire and therefore attempted to defraud the cardholder from the use of their points.
Product: Debt collection

In XXXX of XXXX I was informed of a medical debt of {$150.00} to XXXX XXXX. I informed the collection representative that this was double charged based on the medical code from the doctors office that submitted it. I was called in XXXX or XXXX and asked more about the insurance not covering this charge. I was never informed they will send to collections. 
This is a medical debt under {$500.00} and collection agencies should not be reporting it under new FCRA guidelines. 
I looked and the Credit Services Intl does not have this as a medical collection on my credit report so they lied to the reporting agencies about type of debt.
Product: Credit reporting

I filed for Chapter XXXX Bankruptcy and included items listed in Chex Systems in the Bankruptcy. I continue to receive decline notices because of the Chex Systems and the items were discharged today. Please have Chex Systems remove these negative items as I am unable to participate fully in the banking system and the items are improperly reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX Account XXXX XXXX # XXXX, has violated my rights. 15U.S.C. 1681 section 602 A. States I have the right to privacy. 15U.S.C. 1681 section 604A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act, XXXX XXXX account # XXXX, XXXX XXXX account # XXXXXXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX. XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX XXXX account # XXXX, has violated my rights. Under 15 U.S.C. Code 6802b states a consumer reporting agency can not service the consumers account with a financial institution and to protect the confidentiality or security of the financial institution records pertaining to the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the accounts listed below violated my federally protected consumer rights to privacy as well as confidentiality under 15 USC 1681 XXXX- XXXX XXXX account # XXXX for XXXX XXXX account # for XXXX XXXX for Transunion XXXX XXXX XXXX- account # XXXX for XXXX account XXXX for XXXX XXXX Transunion # XXXX XXXX XXXX- account for XXXX # XXXX XXXX account # for XXXX XXXX for Transunion XXXX XXXX XXXX account XXXX XXXX for XXXX, account XXXX for XXXX XXXX Transunion XXXX XXXX XXXX  account number for XXXX # XXXX Transunion XXXX XXXX XXXX account XXXX XXXX for XXXX account # XXXX for XXXX for Transunion XXXX Flagship account # for XXXX, for Transunion XXXX XXXX XXXX XXXX account for Transunion XXXX XXXX XXXX account for XXXX All violated my rights 15 USC 1681 section 602A states that I have the right to privacy. 15 USC1681 section 604 A section 2 states that a consumer reporting agency can not furnish an account without my written instructions 15 USC 1681c ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following items of information Records of arrest, indictment, or conviction of crime which, from date of disposition, release, or parole, antedate the report by more than seven years.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was never laid on my XXXX XXXX Credit card. They reported me as late in XX/XX/XXXX. I paid of the card in full. Capital One had an issue processing it. I was told this would be updated ... they DID update it.. then it came back on my report ...
Product: Credit card or prepaid card

The company closes my account without my consent. I will not pay them. I want you the company stop calling me.
Product: Credit reporting, credit repair services, or other personal consumer reports

the last 3 months a XXXX account is on my credit file that i don't know about. i need proof of it or removal of the XXXX  account. 

incorrect addresses and inquiries
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 10th 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, UT XXXX XXXX XXXXXXXX XXXX XXXXXXXX, UT XXXX XXXX XXXX XXXX XXXX Balance : {$19000.00} XXXX XXXX Original creditor XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX Inquired on XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Equifax on XX/XX/2021 to verify my XXXX credit card accounts with XXXX XXXX is closed on my credit report. 
The supervisor confirmed my account is showing closed. 
I informed the supervisor at Equifax that XXXX is reporting the accounts to as open as of XX/XX/2021. 
She informed me to contact XXXX  to correct the issue because shes showing the creditor has reported the account as closed and that equifax is also showing the accounts as closed. 

I contacted XXXX and they informed me there is nothing they can do on their end. XXXX advised I get back with Equifax or the creditor to correct the issue.
Product: Debt collection

I was contacted by American collection E for a loan of {$3300.00}. I did contacted them for the agreement and to know what my rights are but they refused to give me that information. I never lived or signed anything stating it should be reported. I am requesting for this be deleted from my account because l do not own this debt collector.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 

UNAUTHORIZED INQUIRIES, PLEASE DELETE : XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/2024 According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Product: Credit reporting or other personal consumer reports

I According to my consumer report I received dated XX/XX/XXXX there was an error that on XX/XX/XXXX I there is a late payment posting from XXXX XXXX have never been late on this account. If you havent been made aware, there are various federal laws in place to protect me as a consumer and to construct this business transaction. As a gentle reminder you CAN NOT report/treat a payment on an open ended credit plan as late for any reason. If you need direct citation please refer to 15 USC 1666 ( B ). I also would like to bring forth another law pertinent to this letter ; 15 USC 1681 ( B ) where it states that I as a consumer would need to give you PERMISSION to furnish information on my behalf. This account XXXX needs to be updated as paid as agreed, NO LATE PAYMENT on Equifax, XXXX, XXXX and any other furnishes of my personal credit.
Product: Credit reporting or other personal consumer reports

EQUIFAX IS REPORTING XXXX XXXX  ON CREDIT REPORT THIS ACCOUNT AND BALANCE DO NOT BELONG TO ME REMOVAL LETTER
Product: Credit reporting, credit repair services, or other personal consumer reports

Contact XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX This is not my account Have disputed and ask them to provide the information about my account and they have not {$420.00} Owner INDIVIDUAL credit grantor {$300.00} Account Type MONTHLY Term Duration {$420.00} Date Opened {$420.00} Date Reported Date of Last Payment Scheduled Payment Amount 15 Delinquency First Reported CLOSED Creditor Classification Charge Off Amount REVOLVING XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XX/XX/XXXX UNKNOWN XX/XX/XXXX Credit Card XX/XX/XXXX XX/XX/XXXX
Product: Student loan

Prior to Navient, I completed documentation for student loan forgiveness. Navient is saying my loans does not qualify and I would have to either consolidate my loans or begin another 10 years of paying my loans. Each time for re-certification of Income based or Income sensitive, the representative would assure me my loans qualify. I have submitted documentation for the Public Service Loan Forgiveness when I moved to have the most current documentation and update my file. I have been dealing with their Consumer Advocacy and the representative to this date has yet admitted there may have been miscommunication. My stance, if I knew I was not eligible under one repayment option, why would I continue to pay for 10 years if I was not told to continue this option.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to Experian 's web site to find out why it was reporting a FICO score much lower than XXXX   and XXXX. I own my own home outright ( no mortgage ) and have paid cash for every car I've owned since the mid XXXX 's. Due to health issues, etc., I had to file for Bankruptcy in XXXX and all my debts were discharged. However, Experian still shows 2 accounts with XXXX  XXXX XXXX, one as closed and one as status " unknown '' ( how can that be? ). Since I have hardly any revolving credit, I get why my score is lower. 

My complaint is that Experian offers a " credit score booster '' to paid customers, based on their bank account 's record of whether or not their utility and other bills were paid. However, if you have not banked with one of Experian 's listed 40 banks they say they have no access to your bank accounts and that you can't use this service. They don't offer to add your bank 's routing number. I think this is DISCRIMINATORY.