23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

On XX/XX/2023, I contacted Bank of America ( BOA ) to make a payment on my credit card account ending in XXXX in the amount of {$970.00}. I immediately realized the amount was taken out twice ( as I also had my online account opened ) while speaking to the representative. I immediately brought this to his attention and he apologized and informed me that he completed the required forms and the extra {$970.00} payment would return to checking account in 4 days. I called back on XX/XX/XXXX to enquire why it was taking so long and was told it would take 10 days. The following week I went into BOA ( XXXX XXXX ) to open an IRA and also brought it to the attention of the Financial Consultant at that location close to XXXX XXXX XXXX. He did Not understand why it was taking so long but told me to give it a week. I called after a week and initially locked all my cards. ( I realized instead of returning my monies BOA was immediately deducting the amount from {$970.00} each time the card was used, so I stopped using all BOA and locked them. ) I called again the following week and requested to cancel all my credit cards and have the surplus returned to my checking account ( which is also held with BOA ). I was transferred to various departments and was informed that a check would be mailed out to me as they could not transfer it to my checking. BOA at that point fabricated a story that my credit card was fraudulently accessed and I was locked out of my online accounts for a week. On XX/XX/XXXX I went on vacation to XXXX for over 2 weeks thinking it should be returned to my checking account by the time I return to the UShowever, to no avail. On XX/XX/XXXX, I went into my local BOA and made a complaint to XXXX XXXX XXXX, Financial Consultant. He contacted the credit card division and they stated it would be returned to my checking account within 10 days. Ive heard that numerous times before and it still hasnt been returned to my checking account. I think this is very unethical behavior ; a blatant disregard for my rights as a consumer and an abuse of power. Thank you very much for your assistance in this matter. Greatly appreciated!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I've previously disputed that this Bankruptcy account from the XXXX XXXX  XXXX XXXX XXXX IL is reporting inaccurately and should be removed from my credit report. You guys claimed that it was verified, which is odd because I've checked with the XXXX XXXX  XXXX XXXX XXXX XXXX IL and they have told me that they don't report to any credit Bureaus. I then told XXXX XXXX  that they were reporting this bankruptcy inaccurately and they deleted this account from my credit report immediately. So again I'm confused on how you verified this account if the furnisher you have reporting says they don't even report to you guys and XXXX XXXX deleted the whole bankruptcy from my consumer report. Yall have committed fraud against me and if you do not decide to delete this account from my credit report after receiving this complaint you will be violating 15 USC 1681n for negligent compliance and I will have no choice, but to take you to small claims court to take legal action against you as a federally protectedconsumer.
Product: Credit reporting or other personal consumer reports

This is about the fourth or fifth time now in the year XXXX, I keep telling the bureaus they are listing inaccurate information or incomplete but they only delete certain items not all. Here are more details on the accounts that should be deleted! 

To whom it may concern : According to the Fair Credit Reporting Act, Section 611 of FCRA, credit bureaus have a responsibility to delete any information from credit reports that is inaccurate or incomplete. This is important to note, as even if an account has only been speculated upon or never confirmed in any way, the burden falls on the credit bureau to provide evidence of its veracity before it can be placed on a credit report. If the information in a credit report is wrong, it was never proven to be factual, and the consumer has the right to take legal action against the credit bureau. After disputes online and multiple complaints via the CFPB and disputes by Certified Mail, inaccurate information continues to be listed on my credit report and should be deleted immediately. I have compiled a list of date on my report attached to this complaint and one has been sent via USPS mail to the agency.
Product: Credit card or prepaid card

On XX/XX/2020 and XXXX 2020 I paid my bill per usual earlier than the due date. Unbeknownst to me the payment showed up as late, which is impossible. I never received any notifications saying that the payment didn't go through. I have made several attempts to rectify this issue with my provider to no avail. This has caused me higher interest rates on a recent loan, and problems trying to finalize my mortgage. I take great pride in my perfect credit and payment history. This mistake is hurting my credit.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX - XXXX INQUIRIES : XXXX XXXX  XXXX XX/XX/year> ACCOUNTS and INQUIRIES Letters As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for XXXX year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Checking or savings account

On XX/XX/XXXX I contacted my bank after I saw 14 courtesy fees each for {$28.00} imposed on my checking account. I did not opt in or agree my bank to allow any debit card transactions to go through, if I didn't have the funds to cover the costs. The customer service rep that I had spoke to stated that is a service at their Bank provides. Again I had told her that I did not agree to allow this. First she said she would reverse the fees but then she said she would need to ask her supervisor. She put me on hold for 40 minutes and never came back and I have not been able to talk to anyone to resolve the issue. I looked at my account online and the bank enabled courtesy pay ... I did not. Furthermore on my account I have a notice that says the usps has notified the bank that my address on file is incorrect ... .my checking account will qualify for courtesy pay ONCE MY MAILING ADDRESS IS UPDATED. I have changed my address with Alliant many months ago. Thus my address has been incorrect for many months prior to XXXX when the fees where imposed. I have included a picture of the notice on my account taken today. 

Dates of fees imposed in my checking account : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX about removing late payments they reported on my account due to me having to support a family member who passed away from COVID-19. I received a letter saying they would remove the information from my consumer reports but has yet to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX, # 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 # XXXX ( XXXX ). Asset Amount is= XXXX XXXX  XXXX # XXXX ( XXXX ). XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

Your choices are not fully accurate to my situation. Because of a breach I have a credit monitoring service with another company, that reports on things from all XXXX credit bureaus. The reported that a company pulled my credit report, except it was n't with their company it was with Trans Union. They transferred me to Trans Union and there was no way to actually speak with someone so their phone system hung up on me. I tried additional numbers and got hung up on multiple times. I finally reached someone, who was not in the US and he would not tell me where he was. Because of a hearing handicap i have it was impossible to understand him with his accent. He said he would transfer me to the US. Instead I got hung up on. When I tried calling back I got put into the endless cycle of not being able to reach anyone.
Product: Credit reporting or other personal consumer reports

I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code XXXXe ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. 

Furthermore, under 15 U.S. Code XXXXi ( XXXX ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within XXXX days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.
Product: Credit card or prepaid card

I have the Citi Double Cash Rewards card. When I signed up for the card, they promoted rental vehicle and travel coverage. In XXXX, Citibank Double Cash suddenly dropped these benefits, but I was not notified until after I had traveled in XX/XX/XXXX that they dropped coverage and they told me they would cover nothing incurred during a snowstorm in XXXX that blew my doors off, I had to flee the vehicle due to 100+mph winds. I went back and checked all my online statements and emails from Citi during this time and they never notified me of this drop of coverage. The only proof I can see are some third party articles in XXXX, but nothing officially from Citibank. I see this as an unfair practice. If I had known they had dropped coverage I would have switched to a different card or used another that had rental vehicle insurance. Now I'm being charged approx {$1500.00} to pay for vehicle damages, and Citibank refuses to communicate them not notifying me of dropped rental vehicle benefits. A Citibank representative said I should have seen the notification of dropped benefits at the bottom of my statements, and I do not see any. It appears Citibank did not notify their customer on terminating benefits, therefore I hold them liable.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiry from XXXX XXXX  on XXXX XXXX  XXXX XXXX. I dont not recognize this lender or giving authorization to perform a hard inquiry.
Product: Mortgage

I received a conventional XX/XX/XXXX ARM rate term refi XX/XX/XXXX from XXXX XXXX XXXX with no escrow for taxes and hazard insurance as I elected to pay them on my own and have no trouble doing so. I did however have to have PMI due to the appraised value being slightly lower than expect and the PMI payment was $ XXXX./mo. I had been paying XXXX principle and interest plus $ XXXX./mo for perhaps 8 months before the servicing was sold to Specialized Loan Servicing, ( SLS ). 
SLS, now stated that I am " short '' on my PMI escrow account due to there not being any reserves for PMI and are they adding the shortfall to my monthly payment. In fact they have suspended a normal regular payment and charged me a late fee besides before my calls fixed that. 

Where Im at now is, SLS states to me that they are allowed to charge me extra for a cushion on the PMI as they consider it an escrow account. I know this is n't right, but after many calls even to upper management, the issue is n't resolved. 
I would like to know what your take is on this. I thought before I notify CFPB ( never thought I would want to contact them on purpose ), I would see what you can advise me or if you know something I do n't on this. 
I have the statement and escrow shortage statement if you would like to see them. 
I also am concerned that even if SLS clears my issue, how many other consumers do n't realize whats going on and I would like that looked in to as well..
Product: Credit reporting or other personal consumer reports

I am writing to dispued account on my credit report that were made without my consent. According to section 604 of the fair credit reporting to section ( 15 U.S.C 168 1B ), THERE ARE SPECIFIC PERMISSIBLE PURPOSES FOR OBTAINING A CREDIT. I did not authorize these account and can not find any permissible purpose under this section that justifies their presence on my report. PLEASE DELETE ACCOUNT XXXX XXXX ACCOUNT NUMBER XXXX
Product: Debt collection

XXXX XXXX XXXX Home Phone Number : XXXX Employers Name : Date of Birth Disputes XXXX - - XXXX - Provide me documentation that this is my account XXXX XXXXXXXX XXXX - - XXXX - This is too old to be reporting on the credit file XXXX XXXX - - XXXX - Provide me documentation that this is my account XXXX - - XXXX - I do not have a financial obligation with you ; please delete this reference on all credit reports XXXX XXXX - - XXXX - Provide me documentation that this is my account XXXX - - XXXX - I do not have a financial obligation with you ; please delete this reference on all credit reports XXXX XXXX - - XXXX - Account holder was never late on these dates XXXX XXXX - - XXXX - Provide me documentation that this is my XXXX XXXX XXXX - - XXXX - This is too old to be reporting on the credit file XXXX - - XXXX - This is too old to be reporting on the credit file XXXX - - XXXX - There is no permissible purpose for this inquiry. 
XXXX XXXX - - XXXX - There is no permissible purpose for this inquiry. XXXX XXXX XXXX - - XXXX - There is no permissible purpose for this inquiry. XXXX - - XXXX - There is no permissible purpose for this inquiry
Product: Credit reporting or other personal consumer reports

I am disputing the accuracy of the late/missed payment entries on my credit report maintained by your reporting agencies. Despite my efforts to ensure timely payments, there are inaccuracies in the reporting that negatively impact my credit score. According to my understanding, credit bureaus are required to complete a thorough XXXX inspection before adding any late or missed payments to a consumer 's credit report. This inspection process is crucial to ensure that the information reported is accurate and corresponds to the date of receipt of payments or letters from consumers. 

In my case, the necessary XXXX inspection seems to have been overlooked, resulting in the incorrect reporting of late/missed payments. This has caused unjustified harm to my credit profile. I have not received any confirmation that these reporting agencies conducted this comprehensive inspection prior to reporting these late payments. Therefore, I am requesting verification and validation of these entries.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/year> Experian XXXX XXXX XXXX XXXX XXXX TX XXXX Formal Dispute Regarding Inaccurate Information on my Credit Report Dear Experian, 1 am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. 1 am aware of my rights under the Fair Credit reporting Act and request a thorough investigation into these inaccuracies, as requires by federal law Recently, the Consumer Financial Protection Bureau filed a lawsuit against Experian for its failure to properly investigate consumer disputes, citing " sham investigations '' and other unlawful practices. These practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly Reinserting previously disputes and inaccurate information without explanation Failing to notify consumers about investigation results effectively.

These allegations highlight systeric issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled in a similar manner
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm complaining against Equifax. 
My credit score there is about 80 points below XXXX and XXXX. 
When I called to see what's wrong I was told to check the credit report and let them know what I need to change / dispute. 
I ran the 3 reports through creditreports.gov and the other 2 Bureaus had the same info. on that was on the XXXX  report. I called them again to ask what's the reason for the huge score difference? 
I got reasons that are not making any sense to me : 1- We have our own way of calculation.

2- Our system looks at data differently.

3- Last I got was - tell your lenders to not look at XXXX and use the other Bureaus. 

I'm a victim of an unfair credit reporting. Those guys are hurting my credit score with their " Own Way of Reporting '' There  should be unified measures in place to make sure all credit Bureaus are using the same procedures, measures and calculations to treat all people under this nation fairly. If they are playing with people 's credit scores in their own way this needs to stop.
Product: Debt collection

Lack of Notification : I did not receive any notification from Radius Global Solutions regarding this debt. 
The absence of proper notification is a violation of my rights as a consumer under the Fair Debt Collection Practices Act ( FDCPA ). 
Violation of Rights : My rights have been violated because I was not informed about the debt and my options to dispute it. 
This lack of communication has deprived me of the opportunity to verify and challenge the debt 's validity. 
Medical Debt Concerns : The debt in question appears to be a medical debt. 
I did not give permission to anyone to release my medical information to Radius Global Solutions or any other third party. 
Unauthorized Release of Information : The unauthorized release of my medical information constitutes a breach of my privacy rights under the Health Insurance Portability and Accountability Act ( HIPAA ). 
This unauthorized action has caused significant distress and concern about the confidentiality of my medical records.
Product: Credit reporting, credit repair services, or other personal consumer reports

SEE ATTACHED DOCUMENT OF MY STATUES MAILED XX/XX/2021, ALONG WITH FTC REPORT. ITEMS REMAIN IN THE SAME STATUS.
Product: Debt collection

On XX/XX/19 I disputed the account Waypoint Resources with the 3 credit bureaus. Each bureau stated that Waypoint Resources validated the debt was valid. So I reached out to Waypoint Resources via mail on XX/XX/19 requesting validation of the debt. ( tracking XXXX XXXX XXXX XXXX XXXX ). 
I have not received any documents from Waypoint Resources validating the debt. 
It is a violation for them to not provide validation and still don't delete the item.
Product: Vehicle loan or lease

Mazda Capital Services sends notices to pay personal property taxes on the car after it was returned at lease end. On  XXXX   XXXX ,   XXXX  , a letter claimed it was billed for PP taxes of {$140.00}. But despite a request that it provide a copy of its being billed, it did not do so. My records show that I paid {$290.00} in PP tax to Mazda Capital Services.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion. 

Despite multiple attempts to reset my password, and attempts to contact the company, I am still unable to log in to my account. I have tried calling the company, however nobody answers the phone even after longer than 30 minute waits. I have attempted to reset my password twice since my last complain was filed, and ( again ) I have not received any password reset information. I will submit the company page below from which I try to reset my password. 

https : //membership.tui.transunion.com/tucm/loginHelp1_form.page? 

This is absurd, I am unable to login to find my credit report or to monitor my account activity after an incident when my identity was stolen in 2015. I can't reach the company, and they are somehow unable to reach me. I am beginning to wonder if this is a real company that provides any actual services whatsoever. So I am forced to use the federal watchdog agency ( CFPB - thank you for what you do ) to  even be able to reach a company representative. 

If someone from Transunion could find some time out of their day to EMAIL ME OR CONTACT ME IN A REASONABLE FASHION, MY CONTACT INFORMATION IS INCLUDED BELOW XXXX XXXX XXXX