23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

A Home Equity Loan that we have with Bank of America since XXXX and expires in XXXX, I found by accident, through a Credit report, that Bank of America closed the account. When I inquired why the account was closed, they claim that they have a letter from me asking to close the account, we never submitted such a request. I asked for a copy of the letter that they claim that they received from us, they said that they can not find it!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon news reports of the Equifax data security breach, I used the available resources from Equifax to determine if my personal information was affected. Per the Equifax resources, " Based on the information provided, we believe that your personal information may have been impacted by this incident. '' Since Equifax was breached at times between XX/XX/XXXX and XX/XX/XXXX and did not notify me until XX/XX/XXXX, I believe Equifax to have violated my rights as a credit consumer by not notifying me in a timely manner. They left me exposed to potential fraud against my accounts. 

In addition to failing in their responsibility to notify me in a timely manner, their offer of a year of free credit monitoring - which will auto-renew and begin charging me unless I automatically cancel, is an insult on top of the potential injury.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Account # XXXX XX/XX/2023 Social Security Number : XXXX Loan Amount : {$16000.00} It has come to my attention that negative items are being reported on my credit to XXXX, XXXX XXXX Equifax XXXX and XXXX XXXX without my consent. Per FCRA as a federally protected consumer I am now opting out any and all authorization, the consumer may have given you written, unwritten, verbal, and non verbal per 15USC6802.

Under FERPA, I have the right to control the disclosure of my education records, and this includes the right to prevent the disclosure of personally identifiable information without my consent. I believe that the reporting of negative items on my credit report falls under this protection, as it is impacting my ability to live a normal life.

I kindly request that all reporting violations be ceased immediately, and that my education records be handled in accordance with the regulations set forth by FERPA. Thank you for your attention to this matter.
Product: Payday loan, title loan, or personal loan

I have a loan with XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company XXXX.Equifax only reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2018.
Product: Money transfer, virtual currency, or money service

My name is XXXX XXXX. I remitted money to XXXX through Sigue Corp on XX/XX/year>. The order number is XXXX, and the amount is {$2500.00}. I have never received it in XXXX! I have requested a refund from SIGUE CORP through different methods. Now it has been 7 months, and I have not received their refund check! From the Internet, I learned that the national financial regulator ordered SIGUE CORP to stop remittance activities on XX/XX/year>. SIGUE CORP also signed a consent order. The states will use the statement signed by SIGUE CORP to submit bond claims on behalf of affected customers or assist them in the claims process. I hope to receive a refund check as soon as possible!
Product: Checking or savings account

I sent a payment through our online bill pay. Suntrust ( Truist ) then proceeded to lock me out of our online access to all accounts, and I've been on hold for close to an hour now to get it unlocked.
Product: Credit reporting, credit repair services, or other personal consumer reports

sent ftc violations XXXX and transun i XXXX  XXXX XXXX  XXXX Non taking longer than 30 days which are violations XXXX XXXX XXXX  XXXX XXXX {$8000.00} 100 % usage 3 late payments XXXX XXXX XXXX   XXXX XXXX {$2200.00} 100 % usage 3 late payments XXXX XXXX  XXXX XXXX  never late they obtained a sentence of more than 16 years in XXXX  for XXXX, and a penalty of {$520.00} XXXX against XXXX XXXX for violations of the Bank Secrecy Act, including failing to timely report suspicious banking activities of XXXX. 
inquires all ftc violations XXXX XXXX  XXXX All Banks - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX  XXXX All Banks - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Mortgage Reporters Inquiry date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXX XXXX  XXXX XXXX  Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX/XXXX  Mortgage Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Personal Loan Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX  XXXX XXXX Credit Unions
Product: Credit reporting or other personal consumer reports

I have reached out to experian multiple times for the removal of this inquiry. This inquiry was made without my approval or knowledge. This letter has been sent multiple times and no help or resolution has been made. 

Subject : Request for Inquiry Removal XXXX XXXX XXXXXXXX XXXX XXXX  New Individual XX/XX/year> Dear Sir/Madam, I hope this message finds you well. I am writing to formally request the removal of a credit inquiry that was reported on my credit report under the name XXXX XXXX XXXX XXXX XXXX , dated XX/XX/year>. 

The inquiry was made under the assumption of my authorization, but I believe it was either processed in error or does not align with my intentions. I would like to kindly request that you investigate the matter and remove this inquiry from my credit report. 

Please find the following details for reference : Inquiry Date : XX/XX/year> Company Name : XXXX XXXX XXXX Auto Dealers Type of Inquiry : New Individual I would greatly appreciate your assistance in resolving this matter at your earliest convenience. Please do not hesitate to contact me if further information is required. 

Thank you for your attention to this matter, and I look forward to your prompt response.
Product: Credit reporting or other personal consumer reports

am filing this complaint regarding the inaccurate reporting of XXXX accounts on my Experian credit report. Despite my efforts to resolve these issues directly with Experian, the inaccuracies remain unresolved, violating the Fair Credit Reporting Act ( FCRA ) and related consumer protection laws. 

Account XXXX : XXXX  XXXX Credit Card Account Number : XXXX Status : Charged off with {$570.00} written off. The balance is reported as {$0.00} as of XX/XX/XXXX. 
Issue : The account is incorrectly reported with a balance of {$0.00} while still showing a charge-off status. This misrepresentation violates FCRA Section 1681e ( b ), which mandates that consumer reporting agencies must ensure maximum possible accuracy. The conflicting information affects my creditworthiness and misleads potential creditors. 
Account XXXX : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Status : Closed with {$470.00} written off as of XX/XX/XXXX. 
Issue : The account shows a balance of {$0.00} but retains the charge-off status. This inconsistent reporting does not comply with FCRA Section 1681e ( b ) and Henson v. CSC Credit Servs., 29 F.3d 280 ( 7th Cir. 1994 ), which requires accurate reporting of account statuses. The discrepancy in reporting is misleading and harmful to my credit profile. 
Account XXXX : XXXX XXXX XXXX XXXX Credit Card Account Number : XXXX Status : Charged off with {$9600.00} written off and {$9600.00} past due as of XX/XX/XXXX. 
Issue : The account reports an excessive past due amount even after being charged off. The truncation of the account number raises concerns about potential mixed files and identity theft. The reporting does not adhere to FCRA Section 1681e ( b ) and Smith v. LexisNexis, 837 F.3d 604 ( 6th Cir. 2016 ), which mandates that credit reports be accurate and complete to prevent confusion and fraud.

Violations : FCRA Section 1681e ( b ) : Experian has failed to follow reasonable procedures to ensure the maximum possible accuracy of the information reported. The conflicting and incomplete information violates this provision.

FCRA Section 1681i ( a ) : Experian did not properly reinvestigate or correct the inaccuracies after my disputes, failing their duty to ensure accurate reporting.

Case Law : The inaccuracies, including the misleading charge-off statuses and truncated account numbers, violate the standards set forth in Henson v. CSC Credit Servs. and Smith v. LexisNexis.
Product: Credit reporting, credit repair services, or other personal consumer reports

The information listed below, which appears on my credit report, does not relate to any transaction ( s )  that I have made. 

XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$380.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$6500.00} XXXX XXXX XXXX Balance : {$380.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$370.00} XXXX XXXX XXXX Balance : {$380.00} XXXX  XXXX XXXX Balance : {$6500.00} XXXX XXXX Balance : {$370.00}
Product: Vehicle loan or lease

Last month i filed a complaint due to Santander consumer USA debited my account for two full payments. they would not rectify in a timely manner even after i sent proof of multiple faxes, and asked for another option to send info as they were not recieving it. This month on this date, XX/XX/2018, i reached out to customer service again due to the fact they removed my ability to pay with a checking account. When speaking with customer service i was told they removed this ability due to the returned payment ( duplicate payment ) and that my ability to pay with a checking account would be suspended for 6months. This was never communicated to me in any of my dealings with customer service. I also did not miss any payments, have never missed a payment, and my last month payment was still paid, i only had the DUPLICATE payment refunded. This seems to be their company retaliateing for me filing my initial complaint regarding duplicate payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Select Portfolio Servicing, Inc has reported wrong information about my mortgage payment, and it dropped my credit score by XXXX points on about XXXX XX/XX/2022. 
Select Portfolio Servicing, Inc 's reason was that I am over 120 days late on my mortgage payment. However, the loan was transferred to them in XX/XX/2022, and I made mortgage payments of {$1300.00} in XXXX and XX/XX/2022. 
The two payments I made do not reflect on my mortgage statement.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Bureaus had not responded to my repeated requests for them to fix my credit file by totally erasing the items brought about by the theft of my identity. The letter I sent on XX/XX/XXXX to the Credit Bureaus was already my 11th written appeal to the Credit Bureaus for them to take action and correct my Credit File. When I sent a copy of the FTC report, it was made clear that the credit bureaus are not obstructing records. Since it is required by FCRA regulation 605b, I'm sending my complaint to help with organizing a legal response. I will give my records to my lawyer to start a legal action if the Credit Bureaus decide not to stop the other items listed below that are responding incorrectly due to fraud. If it's not too much difficulty, abide by the law because it's my intention to not pursue any legal activities. I need the following items removed now : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA 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 CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance {$6200.00} - XXXX XXXX Balance $ XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX {$0.00} Date opened XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$0.00} XXXX XXXX XXXXXXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance {$15000.00} XXXXXXXX XXXX XXXX Balance {$19000.00} XXXX XXXXXXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX Balance - XXXX XXXX XXXX XXXX {$19000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$6500.00} XXXX XXXX XXXX Balance {$9700.00} XXXXXXXX XXXX XXXX Balance {$3200.00} XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXXXXXX Balance $ - XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX  XXXX Balance {$3700.00}
Product: Credit reporting or other personal consumer reports

An account was opened on or about XX/XX/XXXX  with XXXX XXXX XXXX who then passed along my private personal information as a collection/chargeoff to XXXX XXXX XXXX . A balance of {$1000.00} is being reported to Experian as a Collection/Chargeoff. I was victim of identify theft and previously submitted dispute of accuracy to my reporting for this item, however XXXX XXXX XXXX, XXXX XXXX XXXX, and Experian never properly verified the accuracy of the account with me and never had my consent to disclose any private information to any other parties. Yet Experian is still reporting this item despite violating 15 US Code 1681 and FCRA. 

I am aware of my right to privacy under the FCRA. Neither XXXX XXXX XXXX, XXXX XXXX XXXX nor Experian have provided any proof of me giving them my consent to disclose or furnish my private information pursuant to 12 CFR 332.4 which is a direct violation of my right under the FCRA as well as the CFR.
Product: Credit card

I ordered custom items from spier and XXXX clothing for {$380.00} which showed as XXXX on XX/XX/year> with XXXX tracking : XXXX however the item was never delivered to me. 

This is strange since i received another package earlier from them that shipped with XXXX just fine. I contacted the merchant for a refund and they did not resolve the issue. 

I then contacted goldman sachs with a dispute and they are not helping me resolve this fraudulent charge from spiermckay for merchandise that was never delivered to me
Product: Debt collection

This Request is Regarding a Debt that was Paid in Full inXX/XX/2012. 

In the year of XX/XX/2012, I opened a cell phone account for my son with XXXX cellular service that was sent to your collection. My son switched companies taking on the responsibility for his own cellphone service not realizing that we would still be subjected to the XXXX contract and his new one. I am sure XXXX explained the policy to him, but he was not able to maintain the payment with XXXX and the payment with his then new cellphone company. Unfortunately, my son didnt explain this to me and he allowed the account to go too long without payment so it was sent to collections. I was in the process of buying a home when I found out and I was horrified. I paid off the balance immediately hoping it would not negatively impact my credit and chances of becoming a homeowner. Unfortunately, it showed up on my credit report later. 

After almost six years this collection account has hurt my credit score and put me in positions with little negotiating leverage. Today, I can not reasonably afford a vehicle for my daughter who is currently attending college, because of high interest rates. I accepted the responsibility for the debt and paid it off in full inXX/XX/2012. 

I contacted Allied Collection Services today seeking their support with this matter and was told that they could send me a letter stating that the debt was paid in full. My conversation with the representative lead me to believe that I might be able to seek your help with my request for a goodwill removal of the derogatory report. 

I would like to humbly request that CFPB have some mercy on me and assist me with acquiring a Goodwill Adjustment to remove the Allied Collection account from the credit reporting agencies? Your kind gesture would be sincerely appreciated by my daughter and me. I would like to thank you in advance for any help you may provide in my quest to achieve credit freedom. 

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

On XX/XX/XXXX, my account with Synchrony bank/ Walmart was closed for default. According to my credit reports my balance shows {$620.00} with a past due balance of {$260.00}. 
On XXXX XX/XX/XXXX I contacted Synchrony bank/ Walmart at XXXX to inquire about which collection agency my account was sold to since my credit reports states that the account is a charge-off. When I called I spoke with XXXX, who stated that Synchrony bank/ Walmart had forgiven my debt and that they had issued me a XXXX which he stated had been mailed to me. I explained that I hadnt received a XXXX and requested that he mail a new one out at which time I provided an updated mailing address. 
I then proceeded to ask if I could pay them what was owed or make a settlement to have the account paid off as all three credit reports are showing a balance and asked if once paid could my credit reports be updated ; XXXX proceeded to tell me that since they werent reporting on the account anymore they wouldnt accept a settlement or full payment for the debt. This didnt sound right to me so I called again on XXXX XXXX and this time spoke with XXXX who informed me that I could send any amount that I would like and could mail the payment to the address that she provided in the form of a certified check, but it wouldnt go towards my debt and nothing on my credit reports would be updated because they are no longer reporting on the debt. I also asked XXXX to resend me the XXXX during the phone call. 
On XXXX XX/XX/XXXX I called back because I hadnt received the XXXX in the mail, this time I spoke with XXXX who transferred me to XXXX, I again asked XXXX if I could make a settlement or pay off the balance and was told that nothing I sent would be applied to my debt and they would also not update any information on my credit report. I informed XXXX that I was waiting for a XXXX to be sent to me and he told me while laughing that it takes 30 days to receive the XXXX in the mail. 
Today is XXXX XX/XX/XXXX and I still havent received the XXXX that was supposedly sent to me by XXXX and XXXX. All three employees of Synchrony bank/ Walmart refused to take a payment to settle the debt that according to my credit report is owed to them.
Product: Mortgage

I've been asking for the signed contract between Wells Fargo and XXXX XXXX. 
Signature must adhere to Federal Law : ( Blue or Blue/Black Ink ), ( No Digital Signature ), and ( No Copied Signature ). I am unable to get this contract from Wells Fargo Headquarters, XXXX XXXX, CA.
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 XXXX Account Name : XXXX  XXXX Account XXXX Account Name : XXXX  Account XXXX Account Name : XXXX XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute to XXXX more than 60 days ago and still no response I will like these accounts delete. This company never responded to my dispute for accounts : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX and XXXX did an investigation and deleted all 3 of these inaccurate accounts. It is this company 's duty by FCRA and FTC to report precise and accurate information. below are the results from the other 2 Consumer reporting agencies that deleted these accounts.
Product: Money transfer, virtual currency, or money service

owed my bank to transfer money to another persons bank account they took from me but didnt pay the person Zelle
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXXXXXX XXXX XXXXXXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXXXXXX - XXXX - XX/XX/XXXX - {$21000.00} XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$00.00}
Product: Credit reporting or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there is still an account that needs to be UPDATED. Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) require the XXXX Credit Bureaus to validate this account ( A ). I hope this disputed account is updated. XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$420.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX reported to lates on my credit account and neither are correct. One late was reported on XX/XX/XXXX and the other XX/XX/XXXX. I have asked them to provide proof or remove and I have not received any proof nor have they removed.
Product: Debt collection

A XXXX collection is showing up on my credit report. I don't have a XXXX  account. I have had the same phone number for over 20 years. My current phone carrier is XXXX XXXX and before that it was XXXX
Product: Debt collection

This company has reported this debt as being owed to the credit bureaus. I have never had an account with this XXXX company. There was another company that was reporting this same debt and I informed them that it was not my account and they removed it from my credit report. This current company has reported to XXXX THREE TIMES this month that money is owed and that is not true. I have not received any communication from this company AT ALL! Please remove this account from all of the credit bureaus ASAP.