23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent multiple letters and called multiple times to the credit bureaus about how they're violating the fair credit reporting act 15 USC 1681i ( 5 ). The credit bureaus said everything was completed and accurate and i asked them how if the date opened is wrong. 

I also asked for description of the investigation according to 15USC 1681i ( 7 ) and it was not given to me although i have proof of my letter and complaint sent to the FTC. 

Also according to 15 USC 1681 s-2A " 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 information is inaccurate '' Too many violations are causing me and my family distress and holding us back in many financial aspects. I ask that the credit bureaus be held accountable
Product: Credit card

I am extremely disappointed in the service I received about my Bank of America credit card. I called on XXXX, XX/XX/XXXX, when I thought my card was lost to put it on hold to protect my account from fraud. When I found the card, I called immediately to report it found. But BOA doesn't offer customers XXXX fraud service (!!!! ) so I couldn't reach anyone. Then over the weekend, I was told that BOA updated its system which automatically cancelled my account -- XXXX that I had had for years, paying on time in an excellent way. ( Look it up. ) In fact, I am supposed to be a " premier customer, which makes me wonder how they treat ordinary customers. On XXXX, XX/XX/XXXX, I called to see what was happening with my card, and was told that I no longer had an account! When I tried to explain to XXXX different people in service and fraud, nobody could help me resolve the issue. ( They put employees in impossible situations. BTW. ) In other words, the bank made a mistake with my account and then didn't allow anyone to fix the problem within the system. Now I need to give up an excellent interest rate -- that I earned -- and now go find another card during a time of historically high interest rates. And that is what disappoints me the most. Bank of America didn't honor their business agreement. They pushed me into a higher interest rate -- at no fault of my own. My interest rate will now be more than three times my current rate, which makes me suspicious why this incident happened. So, I am writing to let you know that I feel " swindled '' by this bank. I don't trust this company any longer. The calls were recorded, although I doubt anyone listens to them. The employees submitted complaints from me yesterday, and I submitted my comments in their evaluation form today. Now I want to file a formal complaint that I feel I was forced out of my interest rate -- that I earned -- and into applying for a much less financially advantaged interest rate. This is unacceptable business behavior, and I expect my previous business arrangement to be honored by Bank of America. Thank you.
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 XXXX. Account # XXXX, Has violated my rights. 

XXXX XXXX XXXX XXXX Account # XXXX Has violated my rights XXXX XXXX XXXX XXXX. Account # XXXX Has violated my rights. 

XXXX XXXX XXXX. Account # XXXX Has violated my rights. 

XXXX XXXX XXXX Account # XXXX Has violated my rights. 

XXXX XXXX Account # XXXX Has violated my rights. 

XXXX XXXXXXXX XXXX. Account # XXXX Has violated my rights. 

XXXX XXXX XXXX. Account # XXXX Has violated my rights. 

XXXX XXXX XXXX Account # XXXX Has violated my rights. 

XXXX XXXX. Account # XXXX Has Violated my rights. 

XXXX XXXX XXXX XXXX. Account # XXXX Has violated my rights. 

XXXX XXXX XXXX XXXX. Account # XXXX Has violated my rights. 

XXXX XXXX. Account # XXXX Has violated my rights. 

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

Equifax and XXXX  are reporting an incorrect coding of the XXXX XXXX partial account numbers XXXX. This account needs to be coded as an M1. ( Please see pages 6 9 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect coding is harming my credit score and is a violation of the Fair Credit Reporting Act. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Product: Credit reporting or other personal consumer reports

Based on, 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these account in violation not reporting accurate. In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. These accounts has violated my rights. Pursuant to 15 USC 1681 section 602 A states I have the right to privacy. Pursuant to 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish accounts without my written instructions. 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: Debt collection

I have received attempts to collect a debt that is not mine. Stellar Recovery Inc. is reporting a collection on my account on behalf of XXXX. I have never been an account holder at XXXX, I have never ordered any of their services, and I do not owe them any money. Attempts to dispute this collection have been ignored.
Product: Mortgage

My mortgage was 4 months behind due to job loss and I attempted a loan modification which Pennymac denied. I was told I would need to pay {$4100.00} to bring my account current. OnXX/XX/XXXX, I paid {$1000.00} over the phone and I was told to pay {$3100.00} to fully bring it current which I did on XX/XX/XXXX which equals the past total amount 0f {$4100.00}. In addition to that, I paid the escrow balance {$960.00} on XX/XX/XXXXin order to reduce my monthly mortgage amount and make it more manageable since I'm experiencing an income reduction. I made my first payment of {$860.00} but I received a bill stating that I have an outstanding late charge ate charge in the amount {$81.00} and another fee of {$30.00} which I was never made aware of during my calls on XX/XX/XXXX; XX/XX/XXXX and XX/XX/XXXXwhen the last 2 agents confirmed that my account was up to date and I also accessed online and that was confirmed as well. I've already contacted XXXX regarding this matter but Pennymac responded that it will take 30days to resolve which I'm worried that this will affect my credit and it didn't take them 30days to charge or deny my modification request. why should it take that long to resolve this matter. Attached you will find the bill that shows the amount to bring my account current which I resolved by XX/XX/XXXXto avoid any late fees if I was to pay after XX/XX/XXXX
Product: Debt collection

XX/XX/XXXX Consumer Law 15 U.S.C 1681-A states a consumer report does not include report containing information Solely as to transactions or experiences between the consumer & the person making report. This statement implies that late payments/ charge offs arent allowed to be reported unless access is granted by me. For This reason I request that all 4 delinquent accounts be removed from my report. Furthermore my social security number is XXXX. On my experian account it says XXXX. I demand this be fixed ASAP. Finally, the only number I want on my credit report is XXXX. Everything else is outdated. 
To clearify ; I would like my XXXX XXXX late payments/ charge offs removed from XXXX XXXX until I would like XXXX XXXX XXXXXXXX  late payments removed from XXXX XXXX until I would like my XXXX XXXX XXXX  card late payments removed from XXXX XXXX until I would like my soft inquiries removed from my credit report I would like my social security number fixed I would like XXXX to be my only number reported Sincerely XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize these inquiries on my personal credit. 
Some duplicates are from car dealers that I did not give them permission to check my credit. 

XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired XXXX XX/XX/XXXX On record until XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX  XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX record until XX/XX/XXXX XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXXXXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX
Product: Checking or savings account

On multiple occasions I find KeyBank locations to have malfunctioning ATM machines. I've asked local locations to address this issue as I use ATMs often and need to deposit money. I have to drive all over town to find a ATM that is in working condition. On XX/XX/2022 at around XXXX. I went to XXXX ATMs in the XXXX XXXX area ( XXXX ) as I went to the XXXX location @ XXXX XXXX XXXX XXXX Colorado XXXX I thought I was able to use the ATM as is it appeared to be functional. I put {$1000.00} dollars into a Deposit at the ATM. The machine starting showing malfunction issues. It would not give me my money back and it wasn't deposited into my account per mobile app. So I sat at the ATM for over an hour trying to see if it would dispense my cash/card. This is an ongoing problem and I had to call customer service. I was on hold for over 45 minutes as I waited at the ATM and was told there was nothing I can do. I just feel the branch should hold more accountability for servicing the ATMs on a regular basis or get new machines. I was told on XX/XX/XXXX that I would have to wait until XX/XX/XXXX for the ATM to be serviced. Meanwhile my account is not able to be used, and my money is just floating. I find this to be a huge issue and I was unable to get any contact information for the area manager or store manager. I feel someone should be held accountable for the inconvenience and reliability of the ATMs.
Product: Credit card or prepaid card

This company is reported late payments on my credit report and I have directly sent them a dispute letter requesting them to correct the information and they have failed to yet do so and has also continued to. Pursuant to 15 U.S.C 16681a ( 2 ) Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. This company is reporting transactions between me and the company which states is excluded from my consumer report. Pursuant to 15 U.S.C 1666b timing of payments to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
Product: Debt collection

Please remove the names listed on my credit file, the only name that should be listed on my credit file is : XXXX XXXX Please remove the address listed on my credit file, the only address that should be listed on my credit file is : XXXX XXXX XXXX XXXX, Alabama XXXX The following accounts should be removed from my credit file XXXX XXXX {$3000.00} XXXX XXXX XXXX {$610.00} Please see the attached documentaton
Product: Credit reporting, credit repair services, or other personal consumer reports

Santander paid in full but currently reporting to all three bureaus as written off charged as bed debt which is deformation to character and livelihood when trying to apply for a mortgage. Also reporting inaccurate under FCRA 611 ( 5 ) A & 15 USC 1681 also involved in a lawsuit in violation of USCC CODE
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and XXXX  should not be reporting a collection/chargeoff in the amount of {$1800.00} on the XXXX XXXX original creditor XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) My mother-in-law originally purchased the phone however, before I was XXXX we contacted XXXX  and cancelled this account because I was going to be XXXX to XXXX. The phone did not have area coverage in XXXX. ( I have attached a copy of my XXXX paperwork for reference. ) We were assured by the representative that I spoke to that this account was closed and in good standing and that there was no outstanding balances due. We were not aware that this account had falsely gone to collection until I obtained a recent copy of my credit report. Pursuant to the Servicemembers Civil Relief Act ( SCRA ) benefits offered by the SCRA Lets you terminate your telecom contracts ( telephone, cable, internet, video & audio streaming, etc. ) if you relocate for at least 90 days to a location that doesn't have coverage under your current provider, as well as that if you use any of your SCRA rights and delay payments it won't reflect on your credit report. This false reporting of a collection/chargeoff is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Debt collection

I disputed my Victoria secret and its been paid off for awhile now and they still wont take it off.
Product: Credit reporting or other personal consumer reports

Ask for documents and didn't get provide with requested documents. Original creditor is pursuing a lawsuit.
Product: Credit reporting or other personal consumer reports

Experian and XXXX are consumer reporting agencies and I am the consumer. I have the right to make sure my private information isn't shared according to 15 USC 6801 which states, " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' XXXX XXXX XXXX is a financial institution by definition under that title. 15 USC 1681 section 604a section 2 states that " any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX XXXX, the financial institution, and the Consumer reporting agencies XXXX and Experian do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, Experian, XXXX XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 1681 ( e ) states " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681 ( c ) of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and Experian are not maintaining reasonable procedures. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX never informed me of my right to exercise my nondisclosure option. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of said reporting services.
Product: Credit reporting, credit repair services, or other personal consumer reports

the accounts/ inquires cant be verified and need to be removed from my account 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 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 XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I received a copy of my credit report and found the following inaccurate items which are reporting an error : XXXX - XXXX This doesn't belong to me. - According to letter 15 USC 1692 ( G ) you have proven to violate my rights as a consumer. I demand you remove this account now I've hired my attorney to review these files! 

XXXX XXXXXXXX - XXXX This doesn't belong to me. - According to letter 15 USC 1692 ( G ) you have proven to violate my rights as a consumer. I demand you remove this account now I've hired my attorney to review these files! 

XXXX XXXX XXXX - XX/XX/year> I did not authorize this inquiry. - The following inquiry was not authorized and should not be reported. 

XXXX XXXX  - XX/XX/year> I did not authorize this inquiry. - The following inquiry was not authorized and should not be reported. 

XXXX XXXX - XX/XX/year> I did not authorize this inquiry. - The following inquiry was not authorized and should not be reported. 

XXXX XXXX - XX/XX/year> I did not authorize this inquiry. - The following inquiry was not authorized and should not be reported. 

XXXX - XX/XX/year> I did not authorize this inquiry. - The following inquiry was not authorized and should not be reported. 

XXXX XXXX XXXX - XX/XX/year> I did not authorize this inquiry. - The following inquiry was not authorized and should not be reported. 

XXXX - XX/XX/year> I did not authorize this inquiry. - The following inquiry was not authorized and should not be reported. 

XXXX - XX/XX/year> I did not authorize this inquiry. - The following inquiry was not authorized and should not be reported. 

XXXX XXXX - XX/XX/year> I did not authorize this inquiry. - The following inquiry was not authorized and should not be reported. 

XXXX XXXX XXXX - XX/XX/year> I did not authorize this inquiry. - The following inquiry was not authorized and should not be reported. 

XXXX XXXXXXXX XXXX - XX/XX/year> I did not authorize this inquiry. - The following inquiry was not authorized and should not be reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of accounts/items which do not belong to me or were opened without my permission : XXXX XXXX XXXXXXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX, MA XXXX XXXX XXXX XXXX : {$14000.00} XXXX XXXX XXXX  XXXX Balance : {$13000.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  ( Original Creditor : XXXX ) XXXX Balance : {$19000.00} XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from the identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I gave Transunion a direct dispute on XXXX XXXX. Submitted on XX/XX/XXXX. File number XXXX. Completed on XX/XX/XXXX. Creditor info is XXXX card services XXXX XXXX XXXX. XXXX De. XXXX. XXXX. Balance says {$690.00}. Credit limit is {$500.00}. XXXX Balance cant be more than the credit limit violation # 1. XXXX says current status is in collections its not violation # 2. Opened on XX/XX/XXXX ( 7 years ago ) should be removed from my Transunion credit report its still there violation # 3. As I said I disputed this info on my Transunion credit report but they sided with XXXX. According to 15 US Code sub chapter III -credit reporting agencies Transunion . Code 1681N - its supposed to be 100 % accurate if its not then its a violation and I should be awarded a check from Transunion for 3 violations for {$3000.00} for ruining my credit with false info.