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

In accordance with the fair credit reporting act. Pursuant to 18 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b 2. 

Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX Account name : XXXX XXXX XXXX  XXXX XXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXXXXXX XXXX XXXXXXXX Account name : XXXXXXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXXXXXX XXXX XXXXXXXX 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.

15U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information anu 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 ( 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.
Product: Money transfer, virtual currency, or money service

-I redeem silver certificates, federal reserve notes, state notes, etc at the treasury per : 31 U.S. CODE s.s. 5118 ( gold clause ) -S 9-307 LOCATION OF DEBTOR. 
( h ) UNITED STATES is located in DISTRICT OF COLUMBIA. 
-As one of the nation 's Creditor 's, I choose to bank privately, using LAWFUL MONEY ... federal reserve notes are LEGAL TENDER, and never fully offsets a debt. I use my LAWFUL MONEY to discharge obligations by CHECK, DRAFT, ITEM, BILL OF EXCHANGE, and PINNACLE FINANCIAL PARTNERS LOCATED AT XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX. MY ITEM ARRIVED CERTIFIED MAIL, I CALLED TO CONFIRM PINNACLE FINANCIAL PARTNERS RECEIVED THE ITEM, AND A XXXX XXXX XXXX INFORMED ME THAT HE RECEIVED THE ITEM, AND HE WOULD HONOR, SIGN, AND SEND MY INSTRUMENT TO THE TREASURY TO BE CREDITED TO THE CUSTOMERS ( MYSELF WITH XXXX XXXX XXXXXXXX ) ACCOUNT. ALMOST TWO  WEEKS GO BY AND I SPEND THE NEXT WEEK TRYING TO FIND OUT WHAT HAPPENED. I REACHED A XXXX XXXX WHO HELPED ME LOCATE THE ITEM A FEW DAYS LATER. THEN THEY IGNORED MY CALLS, AND I REACHED OUT VIA EMAIL, AND THEY INFORMED ME THAT THEY WOULD NOT SIGN AND SEND THE INSTRUMENT. DISHONOR IS UNDERSTANDABLE, HOWEVER ARTICLE 3, SECTION 503 OF THE UCC STATES THAT THE FINANCIAL INSTITUTION MUST GIVE NOTICE OF DISHONOR NO LATER THEN MIDNIGHT THE NEXT BANKING DAY. I'M VERY CONCERNED WITH THE AMOUNT OF INSTITUTIONS THAT FAIL UNDERSTANDING OR READING THEIR OWN BANKS TERMS AND CONDITIONS AND POLICY. I SIMPLY FOLLOW THE RULES AS HONORABLY AS I CAN. I SIMPLY WANT THIS FINANCIAL INSTITUTION TO DO WHAT IS WRITTEN IN THEIR POLICY.
Product: Checking or savings account

Today, XX/XX/2018, I went online and was asked to update my personal information. For the first time, Bank of America is now asking a new " required '' question, " Do you have dual citizenship? '' I have told them that I am a US citizen and that I am living here in the United States. I see no reason to answer this question and am offended that they are even asking it. When I called to ask them what was the legal basis of why they were asking this question, they responded that they had to verify my identity, my citizenship and my residency per US government regulations. I told them that I have provided them with all of that information and that it was none of their business whether I am a dual citizen because I am a natural-born US citizen who was born and raised in the United States and that I hold a US passport and currently reside in the United States. As I explained repeatedly to the customer service representative, whether I am a dual citizen should have absolutely no bearing on them providing me financial services because I am a US citizen. I also told them that I was going to refuse to confirm or deny whether I have dual citizenship and that it is possible that I may not even know one way or the other because citizenship is determined by each country  individually. I find it highly offensive and potentially in violation of the 1964 Civil Rights Act that they are even asking me this question. They have informed me that I can currently ignore the request but that if I do not answer it, eventually my access to online banking could be cut off. As it turns out, I am unable to update any of the other pieces of information because they consider the dual citizenship question to be " required ''
Product: Credit reporting or other personal consumer reports

The apartment complex aloud us to break our lease, because we had XXXX incidents with our neighbors, and they were throwing XXXX  XXXX at our door, as well as leaving nasty notes.But we would have to pay it if no one moves in. They sent me a letter in the mail saying I owed them money. It was a huge amount and I was thrown off. One of our neighbors we still had communication with said someone moved into our unit a week after we left. So I drove XXXX hours to the state the complex was in. We went by our old apartment, and there was a lady living there. She was kind enough to answer our questions. She had already signed her lease to move in the apartment we were in before we even left. The apartment was notified a month before we were supposed to move. So they had someone ready to move in, and still wanted us to pay. The manager at that time was no help. I have tried to dispute this many of times. But nothing has been done.
Product: Credit reporting or other personal consumer reports

I have requested the removal of a collection account from my credit report and provided supporting documents to justify this request. However, the credit agency has failed to comply with the Fair Credit Reporting Act ( FCRA ) and is reporting incorrect information on my credit report.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Formal Complaint Regarding Inaccurate Late Payment Reporting for XXXX XXXX Account # XXXX To Whom It May Concern, This is my third and final attempt to have the blatantly inaccurate and unacceptable information corrected on my credit report regarding the XXXX XXXX account ( # XXXX ). My previous requests, sent on XX/XX/XXXX, and XX/XX/XXXX, have been ignored, which constitutes a clear violation of my rights under federal consumer protection laws, including the Fair Credit Reporting Act ( FCRA ). 
Let me make this crystal clear : if no action is taken immediately, I will proceed with legal action and escalate my complaints to all relevant regulatory authorities. 
Account Details High Balance : {$20000.00} ( all bureaus ) Last Verified : XX/XX/XXXX ( XXXX ) ; Not verified ( Experian and XXXX ) Date of Last Activity : XX/XX/XXXX ( XXXX ) ; XX/XX/XXXX ( Experian ) ; XX/XX/XXXX ( XXXX ) Balance Owed : {$18000.00} ( XXXX ) ; {$17000.00} ( Experian and XXXX ) Payment History : XXXX and Experian : Incorrect 30-day late payment reported for XX/XX/XXXX. 
XXXX : Incorrect 30-day late payment reported for XX/XX/XXXX. 
Clear and Unjustified Errors Nonexistent late payments : My account has been current and without delinquencies. The reported late payments are false and entirely unsupported by facts. 
Inconsistent data : The dates of last activity and the balances owed vary across the bureaus, further proving negligence in ensuring accuracy. 
Failure to investigate : Per 15 U.S. Code 1681i, you are legally required to verify and correct disputed information, which has not been done.

Legal Violations By failing to correct these inaccuracies, you are in direct violation of the following laws : FCRA ( 15 U.S. Code 1681i and 1681s-2 ) : It is illegal to report inaccurate information and fail to correct it after a dispute.

TILA ( 15 U.S. Code 1666b ) : Creditors are required to provide billing statements at least 21 days prior to the due date to ensure timely payments.

Protection Against Non-Payment of Obligations Act ( PAANL ) : Your failure to act is unfairly penalizing me and harming my creditworthiness.

Demanded Resolution I am demanding the following actions immediately : Removal of the false 30-day late payment notations for XX/XX/XXXX ( XXXX ) and XX/XX/XXXX ( XXXX and Experian ). 
Written confirmation that these corrections have been made and accurately reflected in my credit report. 
This is your final notice : if this matter is not resolved to my satisfaction within 15 business days, I will take the following actions : File a formal complaint with the Consumer Financial Protection Bureau ( CFPB ). 
Pursue legal action for violations of my federally protected rights. 
Publicly document my experience on consumer advocacy platforms and social media to highlight your failure to comply with federal laws. 
Treat this letter as your last opportunity to resolve this matter amicably and avoid further escalation. 
Sincerely, XXXX XXXX XXXX
Product: Mortgage

I need assistance with two issues. In XXXX 2016, while in Chapter XXXX Bankruptcy. I signed an agreement with Caliber Home Loans to do a 3 month trial loan modification. As of XXXX XXXX, 2016, I 've been in a 90 trial loan modification and keep receiving calls and literature from real estate agents because my home appears to still be listed in Foreclosure status. 

Also, my mortgage was FHA Fixed. Somewhere over the past few years itt was switched to a Conventional. But I 'm not sure if it 's fixed or adjustable?
Product: Vehicle loan or lease

I applied for a vehicle loan at Carvana on XX/XX/XXXX. The next day I was advised that I just needed to have my Chapter XXXX dismissed and re-submit the application which I did on XX/XX/XXXX. When I went to re-submit, they were having technical issues that prevented the submission ( code 400 ). The customer advocate submitted a tech support ticket and the issue was resolve on XX/XX/XXXX. 

I successfully re-submitted as was told that I just need to submit additional documents by XXXX XX/XX/XXXX. At XXXX XXXX on XX/XX/XXXX, I sent in the requested documents ( insurance affective for XX/XX/XXXX and XXXX income documents. ) At XXXX XXXX but was not able to delete the old documents, therefore having duplicate documents attached. I then contacted customer service to verify. 

Later that evening at the end of their business day, I received an email from underwriting stating that I DID NOT MEET THE DEADLINE. I contacted a customer advocate, supervisor and team leader who ALL stated that they did not see why the underwriter did not open the updated documents. I told them that it ha to be either more technical issues on their end or the underwriter was rushing to leave for the day. After escalating to management, I was reassured at XXXX on XX/XX/XXXX that " no worry-you will receive your vehicle on XX/XX/XXXX as expected ).
Product: Debt collection

I checked my credit report today and noticed that on XX/XX/2017, a collection was placed on my credit cable company XXXX. 

I currently have active service with XXXX and have never defaulted on my account. I was contacted about a year ago about having multiple services in my name including services in other states and different parts of town. 

Apparently my identity and likeness has been used to secure services in other locations.
Product: Credit reporting or other personal consumer reports

CFPB, EXPERIAN HAS VIOLATED The Fair Credit Reporting Act ( FCRA ) prohibits credit reporting agencies from reinserting account information that was previously disputed and removed from a consumer 's credit report. I will be uploading documents the red circle 's are where they deleted the account from my credit report. Then the Green check shows they reinserted the information back on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX, VA XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> TransUnion Re : Dispute of Inaccurate Collection Account on Credit Report Dear Sir/Madam , I am writing to dispute an account reported on my credit report, which I believe is inaccurate. The account listed under XXXX XXXX XXXX XXXX does not belong to me. According to the Fair Debt Collection Practices Act ( FDCPA ), I am not the individual responsible for this debt, and I request that you investigate and correct this error. 
Under 15 U.S.C. 1692e, it is prohibited to falsely represent the identity of the debtor. This collection account is the result of an inaccurate identification, and I request that this account be removed immediately from my credit report.

Additionally, I am exercising my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates that inaccurate information be corrected or removed. I request that you conduct a thorough investigation and confirm the information 's accuracy within the 30-day statutory period.

Please provide me with written confirmation of the investigation results and actions taken. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am currently being billed by XXXX for the amount of {$970.00}. I had tried to book a trip on XX/XX/XXXX. When I used there website they said there was an error message and booking can not completed and try again. As of my current report the are billing me on XX/XX/XXXX for that price. I have spoken to XXXX XX/XX/XXXX to confirm that this didn't go thru and was an error. The customer rep said it was a cancelled charge and they would have it handled within XXXXXXXX XXXX  but that never happened. I had called them again XX/XX/XXXX named XXXX and she said the charges get dropped in 3 days and apologized for the other customer rep. I waited those 3 days and still nothing was fixed. I got worried and called again because I didn't want this to be effect on XX/XX/XXXX the reps name was XXXX and he said he can see the charge was cancelled but can take 7-10 days to see the update. Now on XX/XX/XXXX they are saying I owe XXXX which is being charged on my XXXX XXXX  card. I had called today and they were saying conflicting things and basically implying I owed this money when I don't. XXXX also expressed I call XXXX  which I did and they said to there knowledge XXXX took nothing off for there mistake.
Product: Debt collection

My credit score was hit multiples time by a debt I never had from the company below for the amount of {$880.00}. I've never received a loan from this company or ( XXXX ). All debts I currently owe are in good repayment status. The disputed debt in question was never mine and I never received any money from this company or ( XXXX ) in my bank account. 

XXXX XXXX XXXX Date opened XX/XX/ Status Collection account. {$880.00} past due as of XXXX XXXX 
Status updated XX/XX/ Balance {$880.00} Balance updated XX/XX/ XXXX XXXX Original creditor XXXX Contact info Phone number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX, MN XXXX Comment
Product: Debt collection

On XX/XX/2019 I contacted XXXX XXXX XXXX to discuss a utility bill I saw that they were collecting on listed on my credit report. I have never received anything in the mail in regards to this account from First Collection Services. I spoke to XXXX who was very rude, he did not read the XXXX XXXX, just said " we are discussing an account that you owe money on '', he never verified who I was just rattled off the information on the debt. I asked about settlement and he said XXXX does not do settlements, that I could offer something and they could see what the client ( XXXX ) said. He then informed me that I could go to jail if I did not take care of this debt. At that point I hung up.
Product: Debt collection

CRA VIOLATION / NO KNOWLEDGE OF INACCURATE ACCOUNTS WITH XXXX  XXXX XXXX ACCOUNT # XXXX, XXXX XXXX ACCOUNT # XXXX AND XXXX XXXX ACCOUNT # XXXX XXXX, APPEARED ON MY EQUIFAX CREDIT REPORT. FTC ID THEFT REPORT # XXXX
Product: Checking or savings account

Hello, On XXXX at XXXX XXXX I used my XXXX debit card at Bank of America ATM at XXXX XXXX XXXX XXXX XXXX, AZ to withdraw {$220.00} plus {$3.00} fee. The machine accepted my credit card and pin number and approved the money for withdrawal, At that time the machine made a bunch of noise like it was going to dispense the money but nothing came out the machine at all no money. The only thing I got was a receipt with the new balance, Bank of America had took my funds from my bank card but the machine did not pay me. I want my money returned to my card because I can not afford to lose {$220.00} and need my money returned asap. 

I filed a dispute with my card issuer XXXX and the dispute was denied by them, XXXX stated my receipt said I was paid at the ATM but I was never paid from ATM that is just what the receipt states which is not true at all, This has really been a big inconvenience with my money being in limbo between banks and There is no help from my card issuer XXXX and no help from bank of america. Your help will be greatly appreciated. 

I have attached my receipt in which looks like I was paid from this machine but never got any money at all from the ATM. 

Thank You,
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX account is showing open on my credit report, this account was previously closed on my credit report, I disputed this item with all XXXX credit bureaus and it still shows open, it keep being sold to different collection agencies and showing up on my credit reports, aster I disputed this matter, this account shows actively open and being reported on my report each month, last report shows XXXX XXXX, this account need to be closed and not reported to the credit bureau each month. 

XXXX XXXX XXXX This account is showing closed on some credit bureaus and open on some, I have previously disputed this and the account was closed and the reported was stopped and then it was reopened, this account is actively reporting to the credit bureau and last report was on XXXX XXXX, XXXX, this account need to be closed and stop actively reporting to the credit bureau.
Product: Credit card or prepaid card

I have 2 credit cards with CapOne. I called customer service once i noticed that both cards were restricted. I was told there was a fraud restriction on my cards and was asked to send in the front/back of the driver 's license for each AU that was ever listed on my account even those that were no longer listed. I mentioned that some of the previous AUs, I was not in contact with and I was told to get it or my cards can't be unrestricted. I was also told that my son who was also listed as an AU needed to go and get his state ID as his school ID ( he had just turned XXXX ) and his passport would not be sufficient. I submitted the documentation via the secure link multiple times per person that they requested. Even after being told all documents were received, I was asked to resubmit some documents again, which i did. After 2.5 months of submitting documents over and over as well as payments being made ( as account was set on auto-pay ), The last representative I spoke with confirmed everything was received and in order, but I was told that my representative couldn't unrestrict the card and I would get a call from someone who would be unrestricting it for me. After 48 hours of not getting a call back, I called in and I was told that my cards were permanently closed and available for payments only plus membership fee. One of the final payments on the card was returned due to auto-pay not being able to withdraw funds, and I made the payment from another account the same day of that attempted draft, as I was unable to make any changes to the accounts directly due to restriction. 

I have 3 business accounts, an auto loan, a personal checking and savings, as well as money/student checking savings accounts for my XXXX children with Capital one. To be treated with such disregard after completely complying with the request of the fraud department is Unacceptable. I have not even been made aware of what the issue was in the first place. I even mentioned removing the AUs if that was an issue as my cards have been open for over 7 years with perfect payment history.
Product: Credit reporting or other personal consumer reports

I received a letter from my mortgage company, XXXX XXXX, stating " Congratulations XXXX XXXX XXXX has received and processed your loan modification agreement. '' And the first payment of {$1900.00} will be due XX/XX/year>. I submitted my first payment on XXXX/XXXX/201 as agreed per the contract. I recently took a look on my credit reports and noticed that XXXX has reported that my payments for the month of XXXX and XXXX of 2021 were late. This is not true. I have written them several time and they still have not deleted those XXXX items. I also sent a copy of my signed agreement showing that my loan modification did not start until XX/XX/year>. I would like for XXXX XXXX XXXX to correct those XXXX late payments on my reports, and take them off. I have included a copy of the the letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have a mortgage still associated with my credit from 15 years ago. she has re financed per the court order yet it still shows. she has missed numerous payments and is destroying my credit. 
MOST IMPORTANTLY tho. i have bankruptcy on there from XXXX of XXXX i never filed for bankruptcy. please help and remove this asap. Im going to lose everything because of someone else. please please please help
Product: Credit reporting, credit repair services, or other personal consumer reports

The response you sent is not sufficient for evidence that a clear and conspicuous disclosure was given to the consumer about reporting to third party CRA 's. According to 15 USC 6802 ( b ) you are required to provide a clear and conspicuous disclosure to the consumer of your intention to share private information with a third party. In addition to this an option for the consumer to opt-out must be provided. Based on the documentation you have provided, neither of these things was provided. In addition to this you have not provided a wet signature contract signed by the consumer. Please review the letter submitted again because what was asked for was not received.