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

I asked the credit bureau to verification on everything on my credit report. 
They replied back stating that every thing was accurate. 
I did research myself and fought improper inaccuracies on my reports. 

1.XXXX : XXXX Account type is incorrect. 

2. XXXX XXXX XXXX : XXXX Number of late payments reported is incorrect, Update to never late. 

3. XXXX : XXXX I was never 30 days late on this account, Please update to paid /never late. 

4. XXXX XXXX XXXX XXXX The account balance is incorrect. 
5. XXXX XXXX XXXX  : XXXX The payment status is incorrect /High balance is in correct.

6. XXXX : XXXX The first date of delinquency is incorrect 7. XXXX : XXXX I was never late during the months shown, Please update to never late. 
8.XXXX XXXX XXXX XXXX Account is OPEN 9. XXXX XXXX : XXXX THIS Account was paid in full BY XXXX a letter was furnished from the company to the three bureaus.

In accordance with the Fair Credit Reporting Act 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.
Product: Mortgage

I am working with a loan officer ( XXXX XXXX XXXXXXXX ) from Webster Bank. I signed my initial disclosures which indicated a floating rate of 6.3 % and I understand that the interest rate was not locked at that point. The loan officer stated this an email dated XX/XX/year> : " As noted in the Rate Lock Agreement disclosure, the interest rate is currently floating. We can lock the rate once the fully executed purchase and sale agreement has been received. The copy I have does not have the sellers signature which is necessary to lock in the rate. '' I uploaded the fully executed Purchase and Sales AgreemenXXXX on XX/XX/year> to the secure documents upload link that the loan officer provided. At that point in time the loan officer was on vacation but had connected me with her colleague who was standing in for her while she was away. I attempted to contact her substitute by email twice to ask if everything was fine with our application and all the supporting documents we uploaded. On XX/XX/XXXX, he replied by email and simply wrote, " Yes we'll be glad to keep you updated ''. At no point did he mention anything about locking in our rate, and now Webster Bank is asking if we'd like to lock in at 6.75 % ( rate as of XX/XX/year> ). We are arguing that we should be receiving the rate on the date on which the fully executed PSA was received.
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  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : DPT EDXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX 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 card or prepaid card

On XX/XX/2022 around XXXX central time, I received a direct deposit from my company. which was weird, cause my payroll checks usually come on thursday night around XXXX. So i waited for the next day, and went about my business. I stopped and put gas in my car ( {$33.00} ) and then made an ATM withdraw for ( {$60.00} ). after that I went to work. I tried to pay a utility bill and was told transaction declined, I went to a ATM and was told Account balance unavailable. I was not able to log in using the App. Finally once I was able to get a person on the phone. Not one person could tell me what was going on, It finally took 10 phone calls. before the Service agent gave me some type of information, wether it was correct or not, It was better then the service i had been receiving. I was told my account had fraudulent activities, and had been suspended/locked. One agent even told me that it was my payroll check that caused this situation, although for the past 8/9 months, I have had all my payroll checks deposited into this American Express Serve account, to which I have had for over 6 years.
Product: Credit reporting or other personal consumer reports

This is my second-time requesting 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 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 XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

All three credit agencies are discriminating me and not reporting my current credit debt, information, removing old accounts, not updating correct scores, and unprofessional behavior, Recently I applied XXXX credit card, XXXX Credit card company or XXXX pulled my credit report from XXXX and XXXX reported them that I have missed them recent payment to any other creditor, which is not true. I have report in my hand, it was XXXX XXXX XXXX and has been paid off/settled by XXXX and XXXX reported them account in good condition. but XXXX and both Experian is not updating in the system, that is why lenders are getting my " Negative '' Credit Reports, there is no missed payments at all in last 8 years. I have all paid off bills and never missed it. CFPB should take strong action against these credit bureaus.
Product: Credit card or prepaid card

There are monthly XXXX fees accessed by Chase for balance minimums. It is not clear this XXXX limit will be maintained in the interim. That said, reached out to Chase customer support about an online profile feature. 

Which hides all account information once logged onto the online Chase account. Chase agreed to investigate and offer feedback. No feedback was provided. It is preferred to continue the relationship with Chase. But, they ( Chase ) offered no status on the unexplained account profile changes. 

I believe it was XX/XX/2020. 

I do not plan on leaving Chase. But, items are mounting.
Product: Prepaid card

These cards are still the latest crusade for financial institutions to steal as much as they can from consumers ... They do it in the name of fees but the reality is they are taking money that does n't belong to them and without our express consent and with terms and conditions in the smallest print possible ... They offer companies these cards at a discount knowing a great number wo n't be used and they can keep the money ... I would like the cards 'refreshed ' and if really care to add a little convenience, perhaps put the balances on XXXX card. The account numbers are : XXXX {$70.00}, not worth {$52.00}. XXXX {$50.00}, now worth {$40.00}. XXXX {$80.00}, now XXXX, XXXX {$40.00}, now {$8.00}, XXXX, {$20.00}, now XXXX.
Product: Debt collection

On XX/XX/2016 I opened a Kay Jewelers account, I was paying it for almost 7 years, until we suffered from the XXXX and I had to stop paying it like other cards, they did not offer me a plan at that time. payment according to what I could pay, it was XXXX, now a debt collector wants me to pay XXXX XXXX, I need you to help me see what is better, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX Balance : {$23000.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$41.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my ANOTHER endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain specific records in my document because of their 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. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Product: Checking or savings account

I open BNO Bank account to receive promo after XXXX days with {$4000.00} money direct deposit. 

When I opened on their website it made me open XXXX accounts, could not open unless I opened XXXX different accounts. I did not want to open both accounts, but it forced me to. 

Was not XXXX XXXX fined for this a few years ago? 

The promo is for XXXX direct deposit into checking account, but my first XXXX deposit was into saving account on XX/XX/XXXX by mistake, I request that they account that deposit towards my promo fulfillment. that is issue XXXX. 

XXXX  issue is with money from XXXX to open account was made, but i want to know why the last XXXX digits list on BMO website is different than my XXXX account, why is this?
Product: Credit reporting or other personal consumer reports

Im filing this complaint regarding inaccurate items on my credit. Despite my efforts to resolve this dispute with the reporting agency, it remains unresolved. I request an immediate investigation and removal of all inaccurate items off as this does not reflect my true credit history.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had two late payments on an account that I was in fact paid on time. The consumer reporting agencies have need to report all information with complete accuracy. This account has not been late on payments I have attached a copy of my report to this complaint on the following dates XX/XX/year> and XX/XX/year>, I am now requesting you investigate and provide verifiable proof with records showing that I had late payments. If this information can not be verified I demand theses payments be updated to paid on time immediately, Thank you for your understanding and prompt action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to CORRECT some of the erroneous items in my credit file ; however, there are still many items that need to be UPDATED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

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  XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am filing this complaint as a victim of identity theft and as part of the XXXX data breach, where my personal information was compromised and fraudulently used. Despite notifying Experian and providing all required documentation to dispute fraudulent accounts, inquiries, and inaccuracies on my credit report, Experian has failed to comply with federal laws and my rights as a consumer under the Fair Credit Reporting Act ( FCRA ). 

Violations by Experian 1. Failure to Block and Delete Fraudulent Information ( FCRA, 15 USC 1681c-2 ( a ) ) : Under this provision, Experian is required to block and permanently delete any fraudulent or inaccurate information from a consumers credit file within four business days of receiving proper documentation. I submitted all necessary proof, including an identity theft affidavit, government-issued identification, and a police report. However, Experian has failed to remove several unauthorized accounts and inquiries from my report, including : XXXX XXXX XXXX ( Account # XXXX ) XXXX XXXX XXXX ( Account # XXXX ) XXXX XXXX  ( Account # XXXX ) 2. Reinsertion of Deleted Information Without Proper Notification ( FCRA, 15 USC 1681i ( a ) ( 5 ) ( B ) ) : Experian has reinserted previously deleted accounts without providing the legally required notice. This reinsertion not only violates the FCRA but also exacerbates the harm caused by the original inaccuracies. 

3. Failure to Conduct Reasonable Investigations ( FCRA, 15 USC 1681i ( a ) ) : Experian has repeatedly failed to conduct reasonable investigations into my disputes. Despite receiving detailed documentation proving my identity and the fraudulent nature of the disputed accounts, Experian continues to report the same inaccurate information. 

4. Noncompliance with CFPB Directives : The Consumer Financial Protection Bureau ( CFPB ) recently sued Experian for its systemic violations of consumer protection laws, including failure to notify consumers when reinserting deleted information. My experience mirrors the violations detailed in the CFPBs case, further demonstrating Experians ongoing disregard for consumer rights. 

Impact of Experians Actions Experians noncompliance with federal laws has caused significant harm to my financial standing, creditworthiness, and emotional well-being. The presence of inaccurate information has led to unfair treatment from creditors, increased financial stress, and unnecessary delays in resolving my disputes.
Product: Credit reporting, credit repair services, or other personal consumer reports

From my understanding under 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
I, XXXX XXXX never gave TRANSUNION any written consent to report anything on my consumer report which violates my rights as a federal protected consumer. No consent is identity theft. 

Concerning the accounts listed below as a consumer I am demanding the deletion of the following accounts : XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXXXXXX XXXX XXXXXXXX XXXX ) : XXXX
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I discovered that there are several false accounts listed that do not belong to me. 
The presence of these false accounts on my credit report is damaging my credit score and reputation unfairly. 

The following accounts in question : LXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

My charges for USAA VISA BEGAN XX/XX/XXXX PER USAA. I am a victim of ideninity theft needing to verify A VISA card. When USAA was asked to provide how this Visa was Opened and By Whom The attatched MASTERCARD end XXXX XX/XX/XXXX. was sent to me. I then ask So if Visa was an old Mastercard that USAA coverted to Visa AS USAA TELLS ME and Was Not used UNTIL 4 YEARS AFTER OPENED IN XX/XX/XXXX. Why wasn't it CANCELLED DUE TO INACTIVITY. The average of which is 6 months average in the industry to cancel after inactivity. AND FRAUD CHARGES BEGAN THE VERY MONTH I BEGAN USE? I GUESTION HOW SAFE WAS THIS MASTERCARD/ VISA INACTIVE FOR OVER 4 YEARS CARD WAS THAT WAS NEVER CANCELLED FOR INACTIVITY.
Product: Checking or savings account

I am currently on XXXX  XXXX  my funds have been deposited on the account that Ive had since starting the job. The bank stated that no recurring funds were coming to my account because its been closed since XXXX was able to go to the account they said had been closed and see that recurring checks had been deposited since XXXX of XXXX. I visited the bank and they again stated there were no deposits in that account stating again it had been closed since XXXX so I at that time showed the bank that in fact there are now recurring payments well the manager perceived to tell me that it was the responsibility for me to inform my job to redirect them to a new account. My question then to her was I wasnt aware of the account being closed until I requested they send me the proof I received a letter dated XXXX XXXX and I asked if the account was closed in XXXX why when they received the first deposit in form my job not to send the checks because the account was closed. Also last week I received an email from an attorney who asked if I wanted to join a class action lawsuit with this company for charges like overdrafts and other, I filed out the forms for this class action lawsuit but this law firm text me and stated they would need my account number for this claim so I sent it to him but I did not tell them the account was closed. I downloaded the contents of what I signed up for but a few days later I started getting suspicious and tried to pull the information about this claim but this site wasnt secure so I had no idea of who sent the claim to me but I would like if you can find out who it is. Thanks you
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I was sent {$40.00} to my cash app card. When I used my card it came up declined, I checked, money was in acct. Contacted Cash App several times a day since then in addition to trying to access my funds. They said they could not verify me even after I sent my ID front and back, photos and personal info ( ss #, DOB ), several times. My card was not stolen or loss, I hv procession of it. I hv encountered constant run around, hangups, rudeness and put on hold to not return. Still dont hv access to my funds in addition to $ XXXX in XXXX and $ XXXX in stocks. Please help. Thank you, XXXX, XX/XX/XXXX. And blessed new year to you! I await your response.
Product: Debt or credit management

I purchased 6 months of insurance in full with XXXX. I cancelled after 2 months as I did not receive what I purchased. I was not refunded the XXXX amounts in full only partial and was falsely charged an unauthorized {$260.00}. This was not a cancellation fee as I was told I would not receive a fee since I never received what I paid for in full. This false {$260.00} is now on collection with CCS Collections and while no information for the false charge is being provided in my disputes there is no proof or reason why this false charge is on my credit report. Some credit agencies have removed it knowing it was fraudulent, but it still will not be removed from other reporting. CCS knows there is no proof of ownership, and refuses to remove it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a confused consumer because I filed a dispute with the credit bureaus ( Equifax, XXXX, & XXXX ) and these 2 medical collections companies XXXX XXXX XXXX XXXX and XXXX XXXX XXXX  because they are violating my consumer rights. I declare under penalty of perjury, my dispute is true and correct to the best of my knowledge. I am allowed by Federal and State Law to file this dispute and I also know and understand that knowing and willful misstatements or omissions of material facts constitutes a Federal Criminal Violation which is punishable under 18 U.S.C. 1001. Please be aware that these misstatements are punishable as perjury under 18 U.S.C 1621. All 12 of These alleged medical collection accounts are in violation 15 U.S.C 1692g because I was never notified about this account within 14 days of communication and other violations thats included but not limited to the sharing of Medical Information. The violations are 15 US Code 1681b ( 4 ) Limitation on re-disclosure of medical information Any, 15 U.S. Code 1681a ( 3 ) Restriction on sharing of medical information, and 42 U.S. Code 1320d6 - Wrongful disclosure of individually identifiable health information. Also, they have yet to send me any documentation about the alleged 12 medical collections and I was sent any proof of the method of verification by the credit bureaus.
Product: Checking or savings account

For about 8 months I have been going back and forth between XXXX and Bank of America to try and get this fixed. I am not receiving my payments by direct deposit, instead I am encumbered by receiving paper checks and though it may not seem like a big deal it is when you are relying on that payment just to stay afloat and it takes the paper check an exrtra week to get to my house that Im not always at because I have to travel for a loved one I care for. You can see how exhausting and inconvenient this is after both parties deliberately refuse to assist me in making this account function just like anyone else. Both parties have neglected me and deliberately refuse to even provide an ounce of customer service. Half the time they wont even answer the phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked when I reviewed my credit report and found late payment on my payment history from your company. 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that due to this pandemic COVID-19 the world is facing my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Product: Student loan

I have been waiting on hold with Mohela for XXXX hours now on Friday XX/XX/XXXX1/17/XXXX to speak to someone about my XXXX application not being honored after I filled it out with a representative over the phone back in XXXX of XXXX. My estimated wait time was XXXX hours. After XXXX hours and XXXX minutes, exactly at XXXX EST the automated assistant voiced, " Sorry an error occurred, please try your call again. '' then the call hung up. I immediately called back and re-entered my information to go back into the queue where i now have to wait an additional XXXX hours and XXXX minutes, despite having been on hold already for XXXX and a half hours.