23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I had a checking account at BOA, and my balance was XXXX approx. I had stopped using the account and it sat there unused. The bank started charging a fee for what I understand was lack of use when it was supposed to be free checking ( by the way it was 4-6 years ago. ) from what I can surmise when the XXXX ran out the bank started drawing from a credit line they charged XXXX and paid it to the account then took XXXX per month to pay themselves until it was gone then charged another XXXX put it in the account and proceeded to do the same thing XXXX per month I believe they did this 4 times until I happened to check my credit and realized this was happening and quickly closed the account. how does the bank justify taking money from my credit line, that they are making money on to pay them selves for lack of use on my account,? making interest on money they are paying them selves and charging me? 
got ta be something wrong here hope this is clear
Product: Credit reporting, credit repair services, or other personal consumer reports

I was over charged on my XXXX 's account this was evident by a credit I received from XXXX who underwrote the account. This has been an ongoing dispute with the Credit repositories, I was asked to send in my proof for my dispute, however, I was not able to upload the documentation. When I called XXXX that were not able to tell me why their system was not working then requested I mail the documentation for dispute along with my drivers license, paycheck, and social security card, when I asked why since this was a ongoing dispute I was not given an answer I asked to speak to a supervisor, I was assured one was calling me back today it didn't happen.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX and I am victim of identity theft. I don't know there to start, because the situation is really hard. It was XX/XX/year> once I noticed fraudulent account from XXXX on my credit reports. I called to XXXX and told that I have never applied for any credit with them and also noticed that my mailbox is broken. I asked them to block credit under my name, because it does not belong to me. They started investigation, closed the fraudulent account and told that they are going remove fraudulent account from my name. Problem is the fraudulent account is still reporting on my credit reports, even it is good standing, but it is inaccurate. Please remove XXXX fraudulent account from my XXXX, XXXX and EQUIFAX credit reports.
Product: Credit reporting or other personal consumer reports

XXXX conspired with several companies to unlawfully report inquires that wasn't authorized by me ; XXXX XXXX : XXXX XXXX PNC BANK : XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX
Product: Credit reporting or other personal consumer reports

I came across the CFPB XXXX lawsuit. 

I feel i was negatively impacted by XXXX hurting my chances at credit after receiving a response to my earlier dispute that the accounts were " verified ''. 
But i don't see any details about your investigation. 
A fine will be applied soon if proper investigation isn't applied too. 

Please provide details to investigation or delete accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX {$7100.00} XXXX XXXX XXXXXXXX {$130.00} XXXX XXXX {$780.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

According to complaint XXXX Transunion has closed recent complaint with the following findings response to your request, the following actions were taken on your credit file : You disputed the following Personal Information on your credit file. Below includes the actions taken : Telephone number -ADDED You disputed the following accounts and/or public records on your credit file. Below includes the results of that investigation. US DEPT OF EDUCATION-UPDATED XXXX XXXX XXXX I-UPDATED. However, Transunion have disregarded the complaint entirely and has not resolved the issue. In addition, Transuinon has stated they have performed an proper investigation of report. However according to investigative Consumer Reports. Section 606 part 1 contains specific requirements for use of an investigative consumer report. This type of consumer report contains information about a consumers character, general reputation, personal characteristics, or mode of living obtained in whole or in part through personal interviews with neighbors, friends, or associates of the consumer. If a user, such as a financial institution, procures an investigative consumer report, or causes the preparation of one, the user institution must meet the following requirements : 4. The user clearly and accurately discloses to the consumer that it may obtain an investigative consumer report. 5. The disclosure contains a statement of the consumers right to request other information about the report and a summary of the consumers rights under the FCRA. 6. The disclosure is in writing and is mailed or otherwise delivered to the consumer not later than three business days after the date on which the report was first requested. 7. The user procuring the report certifies to the consumer reporting agency that it has complied with the disclosure requirements and will comply in the event that the consumer requests additional disclosures about the report. Transunion has neglected to perform any of the required investigating Requirements to properly perform a CONSUMER INVESTIGATION. As previously stated in last complaint, accounts listed are inaccurate and have been reported on my credit report without my consent. COMPLETELY violating my privacy rights 15 U.S.C. 1681 Section 604 section 1 states that have a right to privacy and 5 U.S.C. 1681 Section 604 section 2 states written consent must be provided to do so.account number XXXX Date : XXXX, XXXX Amount : {$22000.00}, Account number XXXX Date : XXXX XXXX Amount : {$3000.00}, Account number XXXX Date : XX/XX/XXXX Amount : {$2400.00}, Account number : XXXX Date : XXXX Amount {$2100.00}. The listed accounts are affecting my character and illegally reporting derogatory inaccurate information. Per the FCA entities are subject to {$1000.00} per violation in fines for knowingly and recklessly reporting information. In addition to neglecting to perform an accurate FULL INVESTIGATION CONSUMER REPORT. I demand that these accounts be deleted immediately.
Product: Credit card or prepaid card

I made purchases in XXXX, I should be getting XXXX ( based on chat with XXXX ) points after many attempts XXXX has still yet to transfer the points into my XXXX account. It has been 3 months. XXXX wanted me to call XXXX which I did, and XXXX refused responsibility. Then I called XXXX many times, but never was given a solution or explanation on why I did not get the points. 

In addition, we verified my XXXX account is correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous 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 an alleged fraud or extortion. 
XXXX XXXX XXXX ; XXXX, XXXX ; XXXX, XXXX ; XXXXXXXX XXXX XXXX XXXX  XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX ; XXXX XXXX AV XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX Balance : {$1600.00} ; XXXX XXXX XXXX XXXX Balance : {$2900.00} ; XXXX, XXXX XXXX creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$320.00} ; XXXX XXXX Original creditor XXXX XXXXXXXX Balance : {$100.00} ; XXXX XXXXXXXX Balance : {$240.00} ; XXXX XXXX Balance : {$160.00} ; XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$100.00} ; XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$51.00} ; XXXX Original creditor XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$160.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX continues to not remove a fraudulent account that appears on my credit file. 
they continue to say verified as accurate when i never applied to this company for credit.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/2024 XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Subject : Dispute Regarding Reinserted XXXX  Account on My Credit Report To Whom It May Concern, I am writing to formally dispute the reappearance of an account associated with XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX This account was previously removed from my credit report but has now been reinserted without proper notification. This action violates the Fair Credit Reporting Act ( FCRA ), specifically Section 611 ( 15 U.S.C. 1681i ), which outlines the procedure for reinsertion of deleted information.

According to the FCRA, if any previously deleted information is reinserted into a consumer 's credit file, the credit reporting agency must notify the consumer within five business days. I did not receive any such notification, and as a result, this constitutes a violation of the Act. I request that Equifax immediately investigate this matter and remove the XXXX account from my report. 

For your reference, the details of the account are as follows : - **Creditor** : XXXX XXXX XXXX XXXX **Address** : XXXX XXXX XXXX XXXX XXXX XXXX Please provide me with written confirmation that this account has been removed from my credit report, and ensure that proper steps are taken to prevent this error from recurring. 

Thank you for your prompt attention to this matter. I expect a resolution within the time frame specified by the FCRA, and I appreciate your cooperation. 

Sincerely, **XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Mortgage

i called to make my XXXX payment and nationstar claimed i was two months behind. i faxed them bank statements proving seven payments for seven months. i requested a full transaction history from them which though a little confusing to read bears this out, supposedly they were going to research. i have heard nothing and this has been going on for weeks and they are still claiming im late and sending emails for collection
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request the correction of inaccurate personal information on my credit report. Upon review, I noticed discrepancies in my listed address history. These errors are unrelated to me and should be removed to ensure the accuracy of my credit profile. 

Specifically, I request the removal of the incorrect addresses : XXXX XXXX XXXX XXXX NY XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX, XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX, XXXX XXXX XXXX XXXX XXXX PA XXXX I also request that my credit profile be updated with the accurate information : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, NY XXXX Social Security Number : XXXX Date of Birth : XX/XX/1983 To support my request, I have attached : A copy of my government-issued ID verifying my name and date of birth. 
A recent utility bill confirming my current address. 
A copy of my Social Security card verifying my SSN. 

This letter serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ). I request that you : Investigate and remove any inaccurate personal information from my credit report. 
Update my credit profile with the correct details listed above. 
Provide written confirmation of the corrections and supply an updated credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE FCRA states that any inaccurate or non factual information on a consumer credit report should be removed from the credit report. I have found non factual information listed on the following collection accounts and want these collection accounts removed from my credit report. FCRA also states that I can file a lawsuit for damages if laws are broken as well. Collection Accounts can not be considered OPEN accounts. XXXX XXXX XXXX  XXXX is listed as an OPEN ACCOUNT and the and date opened is inaccurate as the other 2 credit bureaus list different information. PLEASE REMOVE. XXXX XXXX  XXXX is listed as an OPEN ACCOUNT and the and date opened is inaccurate as the other 2 credit bureaus list different information. PLEASE REMOVE. XXXX XXXX XXXX is listed as an OPEN ACCOUNT and the and date opened is inaccurate as the other 2 credit bureaus list different information. PLEASE REMOVE. XXXX XXXX XXXX is listed as an OPEN ACCOUNT and the and date opened is inaccurate as the other 2 credit bureaus list different information. PLEASE REMOVE. XXXX XXXX  XXXX is listed as an OPEN ACCOUNT and the and date opened is inaccurate as the other 2 credit bureaus list different information. PLEASE REMOVE. XXXX XXXX XXXX is listed as an OPEN ACCOUNT and the and date opened is inaccurate as the other 2 credit bureaus list different information. Lastly please remove the following inquiries as I did not give permissable purpose to have my credit report check. 
XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Of the 3 major credit agencies, Equifax is the most incompetent in maintaining accurate information. I never had as much problems with XXXX XXXX and XXXX  as I do with Equifax when it comes to the accuracy of their reporting. It is pure sloppiness in how they handle the credit information of many. 
I requested my credit report in XXXX. Out of the 17 ( open and closed ) accounts shown on my reports, 10 accounts had inaccurate information. There was 1 account that wasn't mine. There were 2 accounts that were not included in my report and should have been included. When I disputed the information, most of the corrections were made, but one account was deleted instead of corrected. When I disputed that information it was added back, but with an inaccurate account number. 
Furthermore, on many occasions throughout the years, they have included in my report information that pertains to another woman that has the same name as mine ( excluding my middle initial ). I have had to repeatedly contact them to tell them to delete her information from my report. This tells me that without a doubt they have put my information on her report as well. Whats worst is that her credit is horrendous whereas mine is excellent.

In addition, I changed my email address several months ago and updated it at their website back then. But I have had to repeatedly call them to ask them to update my email address in their system because I kept getting email regarding my disputes at the old email address rather than the new email address. I have called at least 5 times since  XXXX to get this matter corrected. But to date they continue to send me emails regarding my disputes to the old email address instead of the new. Calling them has been exhausting because aside from having to hold on to speak to a live person for at least 15 minutes each time I call, I had to go through 5 minutes of questioning for verification purposes. That wouldnt bother me so much if they would have resolved my reason for calling. But when you have to call repeatedly for the same reason and have to go through the same questioning and holding on, it can be frustrating to say the least. 
Lastly, I requested my credit score in XXXX. I received a letter from them telling me that the credit score is unavailable. According to Equifax, I must contain at least one account showing updates and at least one inquiry in the last 24 months in order for them to arrive at a credit score. Yet their report of my credit history as of this today shows 18 accounts and 3 inquiries. So, how can they say they dont have enough information to arrive at a credit score? How absurd is that!

It's no wonder why there was a breach several years ago with Equifax. How they operate has left a horrible taste in my mouth. If it was possible for me to keep them from obtaining my information I would do it in a heartbeat. But unfortunately, I can't.
Product: Debt collection

I sent an Affidavit of Truth/Affidavit of Response for cease and desist, with conditional terms. Correspondence was to be by phone and after the conversation a letter was to be sent to me about what we discussed, written information to be mailed about the outcome from the Affidavit. I mailed the certified letter XXXX to USAA Federal Savings Bank. This information is concerning consumer loan XXXX account. I notified USAA, no adverse action is to be taken while this dispute is being settled. USAA deceived me at the time of the transaction was made and the account was opened. There are laws to protect consumers, which USAA is not following. 12 CFR 1026 ( 1 ) General disclosure requirements. Also 15 USC 6802 ( b ) ( B ) I have to be givent he opportunity to OPT Out. I was not given this disclosure any disclosures to OPt Out. After knowing that USAA is not honoring the laws, codes, and regulations I want them to be held accountable. In the Affidavit, I requested the documentary evidence, books of account, 15 USC 44. USAA sent me a debt validation letter, knowing that is not what I asked for. I have a right to get this information and I am acting in good faith trying to clear this matter. The affidavit included a Billing Error Dispute. I mailed the coupon from the statement from USAA, which is a negotiable instrument UCC 3-104. That was for XX/XX/2022 payment I wrote on the coupon Pay to the order of without recourse, and signed the back of the coupon. UCC 3-603 Tender of payment can be used to satisy a debt. Also UCC 3-306 Claims to an instrument. UCC 3-301 Person Entitled to Enforce Instrument. USAA is ignoring these laws, codes and regulations. These are laws put in place to protect a consumer. I received a letter from XXXX XXXX ( Manager, Bank Advocacy ) USAA Federal Savings Bank. In her letter she states XXXX finalized the loan and the paperwork was sent to me. The manager, states as of XX/XX/2022 XXXX XXXX XXXX began making outbound calls to inform me of the past-due amount. Why would that department be calling on the due date XX/XX/2022 when the payment is not considered late until after XXXX? The dates are listed on the coupon each month. I can say XXXX  did not call me and no message was left on my phone. Why are they not telling the truth? I did not request a VOD as XXXX stated I requested documentary evidence, books of account. XXXX stated my coupon was not an acceptable form of payment. She also states they did not violate any code, laws, or regulations regarding the account. XXXX XXXX XXXX verified XXXX  verified that collection attempts made by XXXX  were appropriate. I want to see how they verified this. 

At the present I have mailed the Coupon for XX/XX/2022. 

I am uploading a copy of Affidavit and the letter from XXXX XXXX
Product: Mortgage

An issue between my mortgage company, and my insurance company has now made me pay the consequences of being canceled by my insurance policy. United wholesale mortgage did not pay my XXXX XXXX policy on time which made XXXX cancel me for nonpayment. I called twice to ask for a payment to be sent. They said they were overnighting it and they did not. Now I have to have a new policy rewritten and there will be a hold for at least 30 days and I am required to get another XXXX XXXX XXXX XXXX inspection on my home in which I have to pay for.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im demanding a Method of Verification into the investigation of the following accounts inwhich I disputed the fraudulent accounts inwhich was opened up without my knowledge or consent. I'm requesting the name and title of the employee inwhom worked on this, the time and date, and what physical documentation was received and how it was received inwhich tied me to these accounts. And if you or your companies can not provide this detailed information within 30 days then you and your companies shall remove and block the following accounts. 

1. XXXX XXXX XXXX XXXX 2. XXXX XXXX XXXX XXXX  3. XXXX XXXX XXXX 4.XXXX/ Dept of ED {$1200.00} 5. XXXX XXXX XXXX XXXX
Product: Checking or savings account

I am filing a complaint regarding multiple overdraft fees applied to my account despite having significant funds at the time the transactions were authorized I was charged overdraft fees due to delays in the posting of charges and credits. 
My account was also closed out due to those charges. 
This situation mirrors the recent findings by the CFPB regarding Navy federal practices where overdraft fees were assessed on transactions that settled with insignificant balances even though funds were available when the transactions were initiated. I believe these practices are unfair and respectfully request an investigation into my account and the significant transactions in question
Product: Debt collection

I receive 2-3 robo calls a day from allied international. 
I never gave permission to call me on my cell. 
I do n't know how they got my cell number.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today, X/X/17, Equifax mishandled my information, putting myself and so many millions of other people at risk of identity theft, for the rest of our lives. I was informed by Equifax that I am affected by this data breach. They have shared all of my data, some that can never be changed, with who knows who - with everyone, essentially. My private data is now public, and there is no going back, for the rest of my life. 

Free freezing of my credit should be offered ; that they can now profit, indefinitely, from their negligence by charging me to freeze my credit, or to monitor it after a short period, is unacceptable. They failed completely in their most basic duty : protecting personal information from identity theft. They 've compiled massive amounts of data on millions of people, and failed to safeguard it, essentially handing over this data to scam artists on a silver platter.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX I have informed them that per us code 15USC1692C that I refuse to pay a debt of {$940.00} that they are reporting still