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

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 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: Credit reporting or other personal consumer reports

XXXX, XXXX, & Equifax continue to report the account as XXXX  XXXX Account # XXXX there are several late payments and inconsistency with the report. 


High Balance : {$340.00} {$340.00} - XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Equifax XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.
Product: Credit reporting or other personal consumer reports

Upon reviewing my XXXX, Experian and XXXX credit reports, I have identified some information that were not authorized. I'm a victim of Identity theft and this information is inaccurate. 

Please see attachments below
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I received an email at my place of employment from XXXX stating I owed over XXXX dollars for a credit card from 2006. I do not owe anything. This debt was paid through a debt consolidation company over 15 years ago!!
Product: Credit reporting or other personal consumer reports

They have an inquiry from 2022 from Kia and I dont owe a Kia at all. Never have. They have it confused with my older  brother since our social security numbers are close together and only different my the last number.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts have violated my federally protected consumer rights to privacy and confidentiality under the Fair Credit Reporting Act ( 15 USC 1681 ) and the HIPPAPrivacy Rules ( Health Insurance Portability and Accountability Act section 45 CRF Parts 160, 162, and 164 ). 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( Only reported to Transunion & XXXX XXXX I have a right to privacy under 15 U.S.C. 1681 Section 604 A Section 2 of the act, stipulating that a consumer reporting agency can not furnish an account without my written instructions.
Product: Checking or savings account

I had opened an account with Truist and made he qualifying deposits to receive a {$300.00} bonus. They claimed I was not eligible but under the reasons for forfeiture there was not one that applied to me.

Reasons were : Reward forfeiture will occur if : ( 1 ) the checking account is changed to an account type not included in this client offer, ( 2 ) the checking account is closed prior to the reward being deposited, or ( 3 ) the new checking account has a negative available balance at the time of qualification validation.

None of these things applied to me but they still refused to pay the bonus.
Product: Credit reporting or other personal consumer reports

Thank you for addressing some of the items in my file that resulted from alleged fraudulent activity. However, there are still items that need to be removed. According to FCRA section 605, you are required to remove any items listed in an Identity Theft Report. Enclosed is Identity Theft Report # XXXX. Under FCRA section 605B ( a ) ( 1 ) ( 2 ), you must remove any information in my file resulting from alleged fraudulent activity within 4 business days of receipt, provided that you receive ( 1 ) appropriate proof of my identity and ( 2 ) a copy of the identity theft report : XXXX : XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX XXXX Balance : {$540.00} XXXX XXXX XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX Balance : {$4500.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, NV XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXXXXXX ( Original creditor : XXXX XXXX ) XXXX Balance XXXX {$4500.00} XXXX XXXX XXXX XXXX Date opened XXXX XX/XX/XXXX XXXX Balance : {$540.00} -- -- -- -- -- -TransUnion : XXXX XXXX XXXX XXXX Date opened XXXX XX/XX/XXXX XXXX Balance : {$540.00} XXXX XXXX XXXX XXXX  ( Original creditor : XXXX XXXX ) XXXX Balance : {$4500.00}. Please note, you have 4 business days to eliminate any items in my credit file resulting from alleged fraudulent activity. I do not consent to XXXX or any automated verification methods.
Product: Mortgage

I called at the end of XXXX to increase our Heloc so we could do our upper roof - we currently have a line of $ XXXX and wanted to increase it to $ XXXX. XXXX XXXX said to try to go for the max amount and we could always bring it back down so we did. I supplied all the needed docs within one week. I then did not hear back. I checked back with him and he said he was to try to get a closing date on XX/XX/XXXX. We then had another verification of employment done and were expecting a date shortly thereafter. I then received a call from XXXX XXXX the processor and she said she normally did not deal with these so she was not sure but the underwriter wanted to pay down some items even though our appraisal came in higher than expected at $ XXXX. We only owe about $ XXXX on our mortgage so even with the increase to the $ XXXX we have on the Heloc we were in good shape with loan to value. We agreed to pay off a credit card, I also closed a credit card I do not use and lowered the limits of other cards I have that we did not need that much credit on. I used to work in mortgage so I know how they work. I have yet to hear back with an offer of what amount is approved. We have very high credit scores and we also have a ton of equity and rental income in our rental properties. I have asked for the underwriting manager to review this as this does not add up. We had been approved in a week when we originally took out the HELOC. I would like this investigated as soon as possible as our roofing project has been put on hold since XXXX at this point. Thanks for your help in contacting them and fining them if need be for not addressing our needs in a timely manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX I'm complaining about your failure to respond to my request to provide XXXX, It has been already over 30 days but I still haven't received any response from you. This matter to me and I am prepared to take legal actions if that's what it takes for you to take this matter seriously.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Request for Investigation and Correction of Disputed Account - XXXX  XXXX XXXX Dear CFPB, I am writing to formally dispute inaccurate late payment information reported on my credit report for the account XXXX  XXXX XXXX, with the following details : Account Number : XXXX High Balance : {$14000.00} Date Opened : XX/XX/XXXX ( TransUnion ), XX/XX/XXXX ( XXXX and XXXX XXXX Balance Owed : {$9000.00} ( TransUnion and XXXX ), {$9100.00} ( XXXX XXXX Account Type : Unsecured Loan Account Status : Open Payment Status : Current Discrepancies and Errors : Late Payments Reported in Error : TransUnion : Late payments reported for XX/XX/XXXX and XX/XX/XXXX. 
XXXX : Late payments reported for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
XXXX : Late payments reported for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
These late payments are inaccurate as all payments for the account were made on time, as confirmed by my records. 
Inconsistent Reporting : XXXX and XXXX report the last verified date as missing, while TransUnion accurately lists it as XX/XX/XXXX. 
The reported balances for the account differ between XXXX ( {$9000.00} ) and XXXX ( {$9100.00} ).

Legal References : Under the Fair Credit Reporting Act ( FCRA ) : 15 USC 1681i ( a ) : Credit reporting agencies must conduct a reinvestigation of disputed information to determine its accuracy.

15 USC 1681e ( b ) : CRAs must ensure maximum accuracy in the preparation of consumer reports.

15 USC 1666 ( b ) : Mandates timely and accurate billing practices.

The discrepancies in my report are a violation of the above statutes, as the late payments are unsupported by evidence and the reporting is inconsistent.

Request for Action : Correct the payment history for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to reflect an " OK '' status across all bureaus.

Provide a detailed description of the investigation process per 15 USC 1681i ( a ) ( 7 ), including the method and evidence used to verify the reported late payments.

If unable to verify the accuracy of the late payments, update the account status to Paid As Agreed Never Late and provide written confirmation of the correction.

Under the FCRA, you are required to complete your investigation within 30 days of receiving this dispute and provide a written response. If no action is taken or the information remains inaccurate, I will escalate the matter with the Consumer Financial Protection Bureau ( CFPB ) for further review. 
I appreciate your immediate attention to this matter and look forward to your prompt response. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to file a formal complaint against XXXX XXXX XXXX ( XXXX  ). I have repeatedly contacted XXXX  regarding inaccurate information they are reporting on my credit report. Specifically, an account listed as delinquent that is not mine, I have contacted XXXX on the following dates : [ List dates of contact, with methods of contact, e " via phone on XX/XX/XXXX, '' " via certified mail on XX/XX/XXXX, '' " via experian online portal During these communications, I specifically requested that they : Remove the inaccurate information from my credit report. 
Provide me with the original contract that they claim I have with the original creditor. 
Despite these requests, XXXX has failed to : Correct the inaccurate information on my credit report. 
Provide me with a copy of the original contract. 
This failure to provide the requested documentation and correct inaccurate information is causing significant harm to my creditworthiness. I am concerned that XXXX is violating the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

My personal information is as follows : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX # XXXX XXXX tx XXXX Phone Number : XXXX Email Address : XXXX Social Security Number ( Last 4 Digits ) : [ XXXX I request that the CFPB investigate this matter and take appropriate action to ensure that XXXX : Removes the inaccurate information from my credit report. 
Provides me with a copy of the original contract. 
Complies with all applicable consumer protection laws. 

Thank you for your time and attention to this matter. 

Sincerely,
Product: Debt collection

XXXX ; XXXX and XXXX are reporting incorrectly a collection in the amount of {$7400.00} on the XXXX partial account number XXXX. ( Please see page 24 of the attached credit report. ) The original amount owed was {$2000.00}. I have tried to make a payment plan on what I owe however, I have still not been provided with any itemization and/or any documentation as to what the additional {$5400.00} is for. This false reporting is harming my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello. My name is XXXX XXXX. I recently Check my credit report and find out there is something wrong on my credit account and other credit histories. I never attended college or university before but there is student loan is on my credit report. I already talk to the credit report company that. but student loan still showing on my credit report until today. I don't know what to do. 
I'm going to hire a lawyer and sue these credit report company and Need to Remove student loan Asap. I'm reporting these XXXX, XXXX, TransUnion today. I already mail to them but they don't response my request for loan application which is identity theft and where did I apply loan and loan sign up. They should reply mail back to me with evidence in 30 days. but they didn't do that. Please Help me to remove wrong information on my credit report. I really frustrated with my situation. Please help me.
Product: Checking or savings account

I am filing a complaint with the CFPB regarding Capital One 's failure to deposit my direct deposit from my employer and any other incoming deposits. And also allowing me to have access to my funds for 5 whole days!!!!! Capital One has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act ( FCRA ) Section 605B. It is illegal to report information on my credit report without my permission. Please remove this item from my credit report.

According to the Fair Credit Reporting Act ( FCRA ) Section 611. It is illegal to report inaccurate information on my credit report. Please remove this item from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This item on my Credit Report referred to by the Collection Agency, XXXX XXXX had already been removed from my credit report back in XXXX due to the original creditor not being able to provide a signed contract or payment history as proof that this debt belongs to me. 

Now I see it has been reported to the credit bureaus again even though it had previously been removed from all three credit reports. 

Why is this item once again listed on my credit report?
Product: Checking or savings account

I had made a deposit on XX/XX/year> for the amount of {$5900.00}. My bank had received and clear the deposit in my account.. Now The Bank is holding on of my deposit funds and refuse to release my deposit funds.. They claim that the deposit check Fraudulent and won't release it.. They want the contact number of the company who wrote the check.. I gave the contact information to the Bank. Now they claim that the contact number doesn't match with the company who wrote the check.. They want the company who wrote the to have the contact number register with their company who wrote the check.. I currently feel the bank is giving the run around and want to keep my funds, refuse to release my funds. All this the Bank have closed my account.. 

My question to the Bank is why clear the {$5900.00} check in my account after it was deposit? 
If the Bank believe it is a Fraudulent they should had not clear my {$5900.00} check in my account... The Bank should had return my deposit check back to the company XXXX
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.

15 U.S.C 1681 section 602 A. States I have the right to privac

y. 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 or other personal consumer reports

Remove late fee and charge offs on my credit reports that were not supposed to be reported from XXXX, due to the hardship of the pandemic. 

I found late payments from my credit card that were reported to all XXXX bureaus. 
XXXX XXXX  : XXXX ; Charge off : XXXX XXXX : XXXX ; Charge off : XXXX XXXX XXXX : XXXX ; Charge off : XXXX XXXX XXXXXXXX : XXXX ; Charge off : XXXX
Product: Credit reporting or other personal consumer reports

XXXX reporting my credit without written consent as well as my social number being locked. 
XXXX account that's paid and closed still reporting my credit. 
XXXX reporting my credit without written consent. 
Experian reporting my credit without written consent. 

All these are violations under consumer law. 

All these companies operate under the Security Exchange Act In which I've only received inquiries, not credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am here to provide proof that Equifax did an illegal act and broke the Fair Credit Reporting Act when they had re- aged a XXXX XXXX  XXXX Account which is reporting on my credit report. All the evidence is taken from the Equifax online account. It has the date at the top of the page when the information was downloaded. Equifax was saying that the XXXX XXXX  XXXX Account that is reporting on my credit report was XXXXyear, XXXX months and XXXX days old. On the Equifax report they claim that the last payment on this account was XX/XX/XXXX. So, they were determining the age of the account based on the date that they claim that the last payment was made on the account and this was illegal. This is despite the fact that on the credit report they are claiming that the account was opened in XX/XX/XXXX. They have now corrected the age of the account after filing my complaints. Because of the violation I asked them to delete XXXX  XXXX XXXX from my credit report but they have refused. This complaint will be apart of the suit that I tend to file in small claims court against this company so as to get this account removed. 
I just thought that I would bring to the attention of the CFPB the illegal action that was done to me by this credit bureau. Kindly see files attached with proof of re-aging that was done by Equifax on my credit report.
Product: Credit card

I have cancelled a flight with JetBlue in which I used my Barclays JetBlue  credit card in the amount of {$340.00} plus my original XXXX points of XXXX ( which they say is the equivalent to XXXX in XXXX points ). I was refunded the XXXX in XXXX points but not the actual credit of {$340.00}. If XXXX XXXX XXXX is the equivalent to {$75.00}, how can XXXX XXXX points be the equivalent to {$340.00}. The points that were redeemed for XXXX is an example of comparing cash and the points which are not equal. The bottom line is that I did not use the flight services. I am requesting a full credit of {$340.00}.
Product: Checking or savings account

After having a substantial relationship with Bank of America, I got a notice they have decided to close my account and gave me no reason whatsoever. I had  one is sue with a wire transfer which was refused and caused an issue on my account, while I was traveling for a family emergency. The signer on my account had his account effected and him being on my account effected my relationship Upon fixing the issue, I was told my accounts were to be closed including all of my lines of credit, business accounts and personal accounts.     I am an ideal client and maintain substantial balances in the accounts and own and operate recognizable businesses.     There was no reason whatsoever my accounts were closed. I had issues which were addressed and fixed the moment they were brought to my attention. I want to have my relationship back as this is the only bank which operates in all the states we do business.
Product: Checking or savings account

Deposited a check from my account at XXXX XXXX XXXX  XXXX XXXX on XX/XX/XXXX. Used Mobile App to make the deposit. B of A is holding the check for 10 business days causing an undue hardship. The check has cleared my XXXX XXXX XXXX  account but not reflected as deposited into the Bank of America account. Funds are available on XX/XX/XXXX.