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

For over 18 months I have been demanding that Equifax validate and correct or permanently delete this account from the consumer profile concerning me because it contains incorrect information. I do not believe that Equifax has actually done an investigation on this account. Information is missing and is clearly incorrect when you look at the information side by side with the way it is reporting at other credit reporting agencies. Equifax can not make a judgment call by themselves that information is verified and validated without speaking with an actual human being at the alleged creditor 's business. 

I've notified Equifax of the BILLING ERROR for the XXXX XXXX XXXX  account appearing in credit reports and the credit profile concerning me. I have never been late as XXXX clearly states " XXXX '' to confirm this in their reporting of the information. See attached.
Product: Payday loan, title loan, or personal loan

They are charging me almost 800 % interest. I was not aware of how much interest being charge.
Product: Credit reporting or other personal consumer reports

I sent a letter to remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$760.00} XXXX XXXXXXXX Balance XXXX {$0.00} XXXX XXXX XXXXXXXX Balance : {$460.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Attached is a police report from XXXX Police Department. Please review attached police report. The following accounts listed and showing on my Trans Union, XXXX  and XXXX  credit report are unauthorized, fraudulent and not my accounts : 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 and XXXX XXXX.
Product: Credit card

I received a preapproved offer from capital one. When i applied i was declined due to recent or pending application yet they pulled my credit repirt. If i was denied for a pending or recent application there was no reason to ding my credit by pulling the credit report.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX XXXXXXXX XXXX, DELAWARE CO DRS, I C SYSTEM INC, XXXX, XXXXXXXX XXXX XXXXReporting Transaction history is illegalaccording to 15 U.S. Code 1681a - Definitions ; rules of construction The term consumer reporting agency means any person which, for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports. 
The term consumer means an individual. 
The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living ( d ) Consumer Report. ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between theconsumerand thepersonmaking the report VIOLATION OF 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In generalSubject to subsection ( c ), anyconsumer reporting agencymay furnish aconsumer reportunder the following circumstances and no other : ( 2 ) In accordance with the written instructions of theconsumerto whom it relates. 

AND Privacy Act of 1974 ( 5 U.S. Code 552a ) ( 4 ) the term record means any item, collection, or grouping of information about an individual that is maintained by an agency, including, but not limited to, his education, financial transactions, medical history, and criminal or employment history and that contains his name, or the identifying number, symbol, or other identifying particular assigned to the individual, such as a finger or voice print or a photograph ; ( b ) Conditions of Disclosure.No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless disclosure of the record would be ( 12 ) to a consumer reporting agency in accordance with section 3711 ( e ) of title 31.
Product: Checking or savings account

I opened citi XXXX account on line on XX/XX/XXXX, XXXX transferring {$51000.00} via ach bank transfer from XXXX  XXXX XXXX. Soon after 2 weeks they blocked the account. I have call at least 5 different times without any response from the bank about reasons for blocking. I requested to close the account so I can receive my deposit back. Bank stated that when we close the account we will send the deposit money check to you. It has been over 2 and half months and check has not been mailed. They refused to discuss further. I told them I am retired and I need the money and their response on XX/XX/XXXX was that " sorry, we have to disconnect your call ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has closed my credit account, but every month reports that the account has been charged off. They have been reporting this as a new charge off every month which affects my credit rating. 
I have contacted them in XXXX to negotiate and discuss, but they feel justified in newly reporting a charge off every month. 
The account has been closed since 2017 and this has just began happening.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone used a XXXX cable in my name and social
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX which falls under XXXX  according to XXXX Final Rule 1002.142 ( b ) ( 4 ) -51002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX  XXXX  of debt XXXX  and would like for all listed accounts to be blocked and deleted company information Transunion. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

This follows the comolaint filed to the CFPB last week on XX/XX/XXXX through US Senator XXXX XXXX 's office. We ask for a postponement of the Foreclosure until this matter is investigated fully by the CFPB. FORECLOSURE SALE DATE XX/XX/XXXX. TIME IS NOT ON OUR SIDE. As stated in the complaint filed last week ; no modification has been offered by Gregory Funding LLC. Please intervene with our servicer to stop this foreclosure for Tuesday XX/XX/XXXX and give us the time needed to secure the funds or a fair offer of a Loan Modification. WE ARE DOWN TO HOURS NOW. The company 's attorneys informed me of their intent to move forward tomorrow I tried to reach the team at Gregory Funding and can not get through to Customer Service or the Loss Mitigation Department or the Foreclsure Department today. The line disconnected when it would not accept ky prompts. 

Thank you for your assistance in this matter. 

XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX XXXX URGENT FORECLOSURE XX/XX/XXXX!
Product: Checking or savings account

I had a total of 6 accounts with Bank of America and have been a customer for over 10 years. On Tuesday XXXX XXXX, 2017, at  approximately XXXX, I was in XXXX getting groceries, household items, and the last of my kids school supplies. When I inserted my card for payment, my card declined. I contacted Bank of America, where I was informed that all of my accounts are frozen and that it would be approximately 2 weeks before I receive cashiers checks in the mail. I have NO cash or access to any of my funds. What 's heartbreaking is that I 'm the mother of XXXX children, XXXX of which will be turning XXXX on XXXX. She is an AMAZING young lady who has maintained a G.P.A between a XXXX and a XXXX her entire academic life and never asks for too much. All she wanted was a birthday party for her XXXX, which is now compromised due to Bank of America 's " business decision '' to terminate their relationship with me as a long time customer. I 'm a wreck and not sure what to do, but figured this would be a great place to start. I want to add that they also informed me that notifications were sent out regarding the closing of my accounts, but I only received the one about the credit card account being closed. At that time, I paid the balance and disposed of the card. I had no idea that they would be freezing ALL of my accounts and I would be denied access. Thank you so very much for this service where consumers are able to at least voice their concerns and issues against such giants like federal banks. I currently have a 3 checking accounts and 2 savings. My daughter 's account has approximately {$230.00}. My primary savings has approximately {$37000.00} ( give or take ). My secondary checking has approximately {$300.00}. Savings approximately {$190.00} and second savings approximately {$10.00}. I may have another account that 's not very active and I 'm uncertain of the balance. Thanks again.
Product: Student loan

navient student loans told me misinformation saying i had to go into loan forebance and i didnt have to and was basically harassed till i did
Product: Debt collection

XXXX XXXX at XXXX XXXX calls my WORK phone 1x a day, my moms cell phone and my employer. When he contacted both my mother and my employer ( old manager ) he did not state who he was, why he was calling but was probing for information if I was at my desk/vacation/available to speak. Would not disclose information on why he was calling right away and my mom and employer want him to stop contacting them. 
In addition, he was phishing for more people I work with and their phone numbers to be able to contact myself. If he doesn't stop I will file a law suit as he is putting my career in jeopardy. 

I'm sure he has contacted others at my job too, which is ruining my character within my position.
Product: Credit card or prepaid card

I, the consumer and natural person, was denied credit by American Express when I applied for an American Express XXXX XXXX 

Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S.C 1691c and is pursuant to civil liability under 15 U.S.C 1692k. 

You are subject to criminally liability for violating 15 U.S.C 1691 as I have proof that I was discriminated against by American Express due to the adverse action letter I received which is included with this letter.

American Express is in violation of 15 U.S. Code 1642, U.S.C 1681m and 12 cfr 1002 because I, the consumer, made an application in good faith, but credit was not issued. 

Furthermore, because my social security number ( credit card ) was used, and I received NO benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of American Express. 

XXXX : XXXX  / [ Agent/Beneficiary ] Without Prejudice, All Natural Inalienable Rights Reserved
Product: Credit reporting or other personal consumer reports

The mentioned accounts egregiously violate several federal laws, notably within the framework of the Fair Credit Reporting Act ( FCRA ) and the Family Educational Rights and Privacy Act ( FERPA ). These violations are detailed as follows : XXXX. **Account # XXXX ( XXXX ) : ** - **15 USC 1681a ( FCRA - Accuracy of Consumer Information ) : ** The reported account falls short of the accuracy standards mandated by FCRA, constituting a breach.

- **16 CFR 313 ( Code of Federal Regulations - Opt-Out Mechanism ) : ** Non-compliance is evident through the glaring absence of a clear and conspicuous opt-out mechanism, as required by 16 CFR 313.

- **15 USC 6802 and 15 USC 6803 ( FCRA - Consent for Information Sharing ) : ** Blatant transgressions occur due to the lack of clear consent for information sharing, a direct infringement on privacy standards.

- **15 USC 1681b ( FCRA - Permissible Purpose Requirements ) : ** The violation of 15 USC 1681b underscores a failure to adhere to permissible purpose requirements. 
- **20 USC 1232G & 34 CFR 99 ( FERPA ) : ** Reporting student loan information without explicit consent violates FERPA, which safeguards the privacy of student education records. 

XXXX. **Account # XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX : ** - The same violations as described for the XXXX account apply, encompassing breaches of FCRA and XXXX. 

XXXX. **Account # XXXX ( XXXX ) XXXX ** - The inclusion of this account in the credit report, without explicit consent, is a direct contravention of FCRA 's and FERPA 's requirements, echoing the violations detailed above. 

These violations collectively encompass illegal reporting of transactions, sharing consumer non-public information with non-affiliates, and unauthorized disclosure of educational records. Immediate corrective action, including account rectification and compliance with the stipulated laws, is demanded. Failure to address these violations promptly will result in legal action.
Product: Debt collection

Not sure what this is it, reports on my credit as a loan which I never took or received. 

Preferred credit secured loan pob XXXX XXXX XXXX mn, XXXX ( XXXX XXXX XXXX total XXXX chargeoff
Product: Debt collection

I had switched to XXXX phone service in XXXX ( from XXXX ) I had the service with many issues for approx XXXX days - I canceled it and went back to XXXX because i had such a bad experiece. 
The XXXX that they say I owe is for hardware that was returned, I have the tracking number they gave me for the return of the hardware - along with the proof it was delivered back to them ( delivered/left at dock on XX/XX/25 @ XXXX via XXXX - XXXX XXXX XXXX ) and dates of service cancelation and also, the IMEI that I had on that phone ( returned phone ) is now on someone elses account. ; This bill is NOT LEGITIMATE.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX is reporting that I owe them XXXX for a XXXX credit limit. At that time I was making monthly payments until. Contracted XXXX in XXXX. 
When I called to check the status of my account in XXXX of XXXX I had an overpayment. I have not used the account. I have not seen a bill in almost a year and to top it off the account number that they are reporting to the credit bureaus is NOT my account number. I filed a dispute with XXXX XXXX Credit bureau in XX/XX/XXXX. When the Representative asked me for my credit card number, she told me that my number was incorrect. I told her I am holding the card in my hand, this is my account number. She said that is not the number I have in front of me. She said she would include that in the report and the dispute was filed. 
I have not received any correspondence from Avant Bank regarding this matter. They are damaging my credit.
Product: Checking or savings account

Subject : Dispute of Negative Information on My Bank Report To Whom It May Concern, I'm submitting this complaint due to the negative information that CHEX SYSTEMS has reported in my bank report. I believe that my rights have been violated as this information is inaccurate and misleading. Please investigate and rectify this matter promptly. 
Account Information : Name : XXXX XXXX Account Number : XXXX Description of Dispute : To whom it may concern CHEX SYSTEMS is reporting a negative XXXX XXXX bank account with my personal information. I demand the removal of this negative item as the information is inaccurate or in violation of my rights as I do not recall opening a XXXX XXXX personal checking account.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report to Transunion. To this day over 45 days later, I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 45 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person. 
Account - XXXX XXXX ( ACCOUNT # XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, XXXX, XXXX. 
These companies are continuing to report derogatory marks on my credit report without consent. Also, the government closed these accounts and they are still reporting. Remove these accounts immediately. Ive sent debt validations as well as affidavits of truth and still no response in the 30 days time. Under section 3.1.1 Furnisher Incentives and Disincentives, Reporting to credit bureaus and other consumer reporting agencies by creditors is voluntary, so please remove these from my report.

US DEPT ED {$3100.00} US DEPT ED {$690.00} US DEPT ED {$1700.00} US DEPT ED {$1700.00} US DEPT ED {$4600.00} US DEPT ED {$3300.00} US DEPT ED {$4800.00} US DEPT ED {$3100.00} US DEPT ED {$4900.00}
Product: Credit reporting or other personal consumer reports

On XXXX, I check my credit report and noticed it was inaccurate for XXXX XXXX, XXXX. I previously disputed this account stating : XXXX'I never had a contract with this debt collector for any debt. I also sent in mail dispute to provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. ''. I don't agree with the results of your investigation. I also stated to please mail me the proof of your investigation and proof that this debt collector has a legal right to collect, or delete this account with 30 days.
Product: Credit reporting or other personal consumer reports

My address is not on my credit report it was wrongfully taken off from Experian from a error.
Product: Mortgage

In XX/XX/XXXX, I applied for a VA Mortgage Loan from Navy Federal at 2.75 % with 1 Discount Point at 1 %. I was pre-approved and have since placed an offer on a house ( XX/XX/XXXX ) with a loan amount of {$280000.00} with a discount amount of {$2800.00}. During the option period, I tried to contact my Loan Officer several times via email and phone to secure the rate. The Option Period ended on XX/XX/XXXX and only today XX/XX/XXXX did my Loan Officer inform me that there will be an additional 1.5 % or {$4200.00} in Orientation Fees. I stated that the website advertising the rates and the pre-approval paperwork did not state the additional Orientation Fees. After I brought it up, the Loan Officer talked me to find in a very obsure location the Orientation Fee information that is clear only an internal employee would know to find. At this point, I asked my Loan Officer why she did not reply to my emails or phone calls to discuss this information and lock down the rate prior to my Option Period ending. She did not provide a response to her delays beyond the option period. I asked to speak to her supervisor and later her supervisor called. The supervisor could not explain why the Orientation Fee is not located next to the advertised rate similar to the Discount Points and why the Loan Officer would not respond to my requests to resolve the interest rate while I was still in the option period. At this point, I will lose {$3500.00} in Earnest Money and I was informed there will be an additional 30 days in processing the loan. In Summary, ( 1 ) Navy Federal was not clearly advertising their true cost for interest rates and put in a location only employees would know to look. ( 2 ) Did not provide any Orientation Fees documentation in the Pre-Approval paperwork that was used to put an offer on the house. ( 3 ) The Loan Officer would not respond to phone calls and emails when directly asking about the Discount Points charged even when I specifially outline the math involved during the option period when I could walk away from the home purchase contract. Only after the option period did the Loan Officer inform me of this additional {$4200.00} in charges. ( 4 ) The Loan Officer Supervisor could not explain why the information was not located next to the interest rate, like the Discount Points, on the website and why the Loan Officer did not respond to my communications during the option period when I could have avoided the additional {$3500.00}.
Product: Debt collection

I noticed on XX/XX/XXXX that my credit score dropped ten points due to the professional bureau of collections posting a deragatory collections account on my XXXX credit report in the amount of {$440.00} dollars. The account was opened XX/XX/XXXX per the collections information on the XXXX report. 

I instantly knew this information was inaccurate because I paid my XXXX collections bill in XX/XX/XXXX. I contacted the credit bureau to file a dispute. And after 24hrs I decided to call the Professional Bureau of Collections myself and tell them to remove the already paid account. I spoke with a guy who immediately said he would take the derogatory collections account off of my credit report but it would take 60-90 days. At that moment I asked if he could provide me a letter confirming in which he stated he couldnt. I also asked if h could expedite the process he repeated and said it will take 60-90 days.

The problem is The Professional Bureau of Collections bought this already paid collections account and did not contact me via mail or phone to tell me about this collection nor tell me that I was able to dispute it. Instead the account was sold to them and they proceeded to put it on my report and not take it off for 90 days. 

Because of their wrongful actions I was unable to get a company credit card because of this recent collections on my report. This has caused me emotional distress and embarrassment at my job, also financial loss taking the time to investigate.