23daVinci/CFPB_Complaints huggingface dataset:
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 XXXXXXXX, Account name : XXXX XXXX, Account name : XXXX XXXX, Account name : 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 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

I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request. 

Charge Off XXXX XXXX XXXX XXXX - {$7400.00} ( tu ) Personal Information Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I recently reviewed a copy of my credit report and noticed I had fraudulent activity
Product: Debt collection

Hello, I have an account in collections with Calvary Portfolio in NY for a previous account I had with XXXX Bank which was a credit card used for XXXX bills. We had a balance of {$460.00} as of XXXX 2014 with XXXX Bank which was charged off to Calvary and they are now charging us {$1000.00} and will not settle for less than that amount. I have contacted both XXXX and Calvary attempting to settle for at least {$500.00} or {$600.00} but they will not work with me. This is the only collection agency that has not been willing to work with us. I do not think it is fair that the charge off was more than the owed amount. This is highway robbery, specially when this is for XXXX bills and when we are looking to pay it off. Please help us as we have been dealing with this for over XXXX months now. Thank You.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  closed my account XX/XX/2017 and charged it off ... Ive reached out and they deleted the whole account off my XXXX but on XXXX and XXXX they report late every month since XX/XX/2017 on a charged off account ... that is very inaccurate.. and I would like it deleted from my report
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Consumer Financial Protection Bureau Federal Trade Commission XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Complaint Against Experian for Violation of XXXX XXXX. XXXX ( a ) Dear CFPB and FTC, I am writing to formally report a violation of the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681 ( a ), by Experian. This violation concerns the deletion of an active credit card account from my credit report without proper investigation or justification. This deletion has negatively impacted my credit history and financial standing. 

Details of the Violation : Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Status Before Deletion : Paid, Closed/Never Late Date Deleted : XX/XX/XXXX This account was in good standing, with no late payments, and its removal has shortened my credit history, lowering my credit score and adversely affecting my creditworthiness.

I contacted Experian to dispute this issue and provided sufficient documentation, including : 1. Screenshots of my credit report showing the account before its deletion.

2. Evidence of the accounts status and payment history.

Experian has failed to reinstate the account, claiming they do not reinsert information, even though their actions contravene their obligation to ensure maximum possible accuracy under 15 U.S.C. 1681e ( b ). Additionally, their failure to properly investigate my dispute and rectify this error violates 15 U.S.C. 1681i ( a ).

Requested Resolution : I request the following actions : 1. Immediate investigation into Experians handling of my credit report and dispute.

2. Reinstatement of the deleted account to accurately reflect my credit history.

3. Assurance that Experian complies with its obligations under the FCRA.

Enclosed Documentation : Screenshots of my Experian credit report before and after the account deletion.

Supporting evidence of the accounts good standing.

Correspondence with Experian regarding this dispute.

This issue has caused financial and emotional stress as I have worked diligently to maintain a positive credit history. Experians negligence has harmed my ability to secure favorable credit terms.

I trust the CFPB and FTC will hold Experian accountable for its obligations under the FCRA and ensure proper compliance moving forward.

Thank you for your time and assistance. Please contact me if you require further information or documentation.

Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters out to all 3 credit bureaus regarding items on my credit report that are not accurate which is a FCRA violation and you must abide by the law. All information I have provided in my letters is true and accurate to my knowledge. I am the one sending the letters and filing this complaint with no help from a credit repair or 3rd party. I know this is a violation of my rights due to the bureaus not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I just want these accounts to be removed from my credit report immediately or I will take legal action and hire a lawyer. I am trying to purchase a home soon and these negative items are holding my score back
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect Balance, Account paid in full and closed. no late payments, no collection, no charge off. Satisfy account
Product: Credit card

1. On XX/XX/2023 between XXXX XXXX - XXXX XXXX Pacific time I deposited {$1900.00} in my credit card account by the Bank of America ATM at the XXXX XXXX branch , state of California, zip code XXXX, ATM ID - XXXX. 

2. The ATM has aten {$1800.00} and returned {$100.00}.

3. The ATM did not give any receipts or options for receipts.

4. I have called the number shown on the ATM to report a problem which is XXXX. 

5. I had to wait by the ATM for around an hour just wait for a response from the call.

6. Case ID reference XXXX has been created by the phone by a worker named XXXX. I have been told it because it is Friday it will take up to 3 business days to reflect in my account, however, it did not reflect in my account. 

7. I went to the same brunch and the worker from there had to call and been told still would take time to be resolved and that they could see there was an open case. 

8. On XX/XX/2023 I contacted my bank by a phone call from XXXX XXXX - XXXX XXXX and another Case was created by a worker named XXXX case ID XXXX. XXXX has told me that the previous worker did not complete his job and that's why It did not reflect in my credit card account and that the previous worker should not have mentioned to me that it would take around three business days to solve this issue because it will take up to two billing cycles to be investigated and corrected. 

9. On Sunday XX/XX/2023 I have received a letter in the mail from Bank of America that indicates they have completed their research on the ATM payment that I have asked about and according to the letter " Thank you for the information you have provided. Unfortunately, we didn't find a cash payment for {$1800.00} on XX/XX/2023 at the ATM you indicated. '' 10. On Sunday XX/XX/2023 at XXXX XXXX I contacted bank of America again waited for an hour just to be answered, then the employee XXXX had to put me on hold to reach the management, then she told me that she has submitted all the informations that I have provided to her and the back office who take care of the ATM payments are not working in the weekends and for that reason she is not able to give me a Case ID number. she has stated that if I want to get the Case ID number then I will have to call back the next day which is Monday, XX/XX/2023. Also, she mentioned that this time it will be rushed and it will take up to 3 business days to get a respond.
Product: Credit reporting or other personal consumer reports

It is ilegal to add something that was removed as inaccurate on my credit report remove all negative items immediately as soon as possible The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.

According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong.

Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that.

Also according to 15 USC 1681 s-2 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. 
This is violation after violation after violation. This is causing me stress because I have no hope with this system
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 


XXXX XXXX XXXX XX/XX/2022 I never authorized this inquiry XXXX XXXX XXXX XX/XX/2022 XXXX never authorized this inquiry XXXX XXXXXXXX XXXX XXXXXX/XX/2022 I never authorized this inquiry XXXX XXXX XXXX XXXX XXXXXX/XX/2022 I never authorized this inquiry XXXX XXXX XXXX XXXX XXXXXX/XX/2022 I never authorized this inquiry XXXX XXXX XXXXXXXX XXXX XX/XX/2022 I never authorized this inquiry According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/XXXX a fraudulent Target account reported to my XXXX credit report. I notified local authorities and filed a police report. I reached out to both Target as well as XXXX multiple times in-regards to this matter and provided the official police report. They have neglected to correct this issue. My most recent attempt to resolve the issue with both Target and XXXX was XX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

opened a coinbase account and made {$100.00} in purchases. 
Coinbase attempted 5x {$25.00} withdrawls on XX/XX/XXXX, following by 2x {$25.00} on XX/XX/XXXX causing multiple overdraft charges. 
I've tried over and over since XX/XX/XXXX to get clarity from them on why they attempted the unauthorized withdraws and my support ticket continues to be someone is looking into it each time I ask for an update. It's going on 3 months now and it appears they have no intention of resolving the issue.
Product: Checking or savings account

I have several charges from a non US company. I have even reached out to the head of Bank of America via email XXXX XXXX and someone from his office did call me back and left a voicemail and I have tried calling this person back for several days and no return call. I have called bank of American fraud department every single day since this has happened I have had a rep even tell me they never tied to reach out to the company and they wont refund me because it says I have charged from the same company that I didnt dispute the only reason I never disputed those was because she said she couldnt go back that far. I do not know this company I have never done business with this company Bank of America keeps sending me generic responses saying I authorized which I never did I dont even use my debit card physical I always use XXXX XXXX and cards attached I have lost my card several times where they do replace it and my account was and numbers and debit card have been compromised. I never authorized any of these transactions I keep telling them that and I have no clue what they want me to send in for proof because I dont even know this foreign company and have never had a contract with them. This was u authorized by me the account holder and I have been with bank of American since XXXX. This is a lot of moneh for a teacher who works 9+ hours a day I have talked to so many different. Fraud reps who tell me different things and all I keep saying is I dont know this company and I have never authorized any charges from this company ever. I have three claims that they keep saying they wont pay its my hard earned money and I want it back I dont knew why I have to keep fighting for whats mine based on fraud. 


Bank of America needs to do better Claim ID : XXXX Claim ID : XXXX Claim ID : XXXX They keep saying resolved claim Not paid and I keep calling and saying I didnt authorize how is this resolved and wheres the proof? They wont send me anything besides letters saying I authorized it I have been patient and keep letting them know again I dont know this company I can not even contact this out of the United States company and I want my money back. 

Even the fraud reps who I have spoken with have written extensive notes as to it not being me and my account being compromised but they say they arent the ones making the decision its another department who they cant even transfer me over to.
Product: Debt collection

I am attempting to pay off old charged-off debt and have been successful in either paying or receiving payoff information from the creditors. Most, if not all of the charged-off debt should be paid in full within the next upcoming weeks. 

There is one creditor however, DSNB/Macy 's , that shows a {$0.00} balance yet continues to report the account as charged-off. I understand that if I was not paying or attempting to pay but their credit services people tell me that the account shows NO BALANCE so they are unable to take payment, negotiate payment, etc. 

My dilemma is that other creditors, who are now paid-in-full, or will be paid-in-full would then be updating my credit reporting as PAID. My understanding is that these showing as PAID should remain on my credit report however there should be a positive effect to my FICO. The issue with Macy 's is, with no ability to pay them, their continued reporting, as if I have ignored them entirely, has no resolution. 

NOTE : The choice in your website wasn't an exact match, so the choice of " from bankrupcy '' is not an exact match. This is an earnest attempt to clean up and improve my credit reporting history. 

MY Request : either allow me to paid this off is a satisfactory way or show as paid or other status that doesn't continue to hurt me. 

I will provide what documentation I do have from the XXXX credit report. 

Thank you for your consideration. -- XXXX XXXX
Product: Credit card or prepaid card

Received an email from XXXX that my personal information was being used to open an account with Key Bank for a credit card.
Product: Checking or savings account

We have joint account and we went to the branch in same time to close XXXX of the account holder in order to remove her from the account on XXXX XX/XX/2023 and till now the account open, we make complaint but no response
Product: Credit reporting or other personal consumer reports

Navy FCU is reporting a credit card on my credit report that is not mine. I would like this deleted from my account the person that this account belongs to passed away in XXXX. 

Authorized User Error This account is incorrectly reporting negative payment history on my credit report. Because I am only an authorized user on this account, I am not responsible for the balance incurred by the primary cardholder nor am I responsible for any missed payments on this account. 
XXXX
Product: Mortgage

We have been improperly billed {$7900.00} by PHH, our reverse mortgage company, on XX/XX/XXXX for XXXX XXXX issued on XX/XX/XXXX for apparently not having insurance coverage.. 

We have maintained Wind and Property Insurance consistently since we took out our reverse mortgage. Additionally, PHH has been listed as the mortgage holder on all our accounts. If at any time there was a question about our coverage, PHH could have called our insurance providers and get the correct information at any time. 

What appears to be at issue is our policy with XXXX XXXX and whether we were covered from XX/XX/XXXX to XX/XX/XXXX. We have documents that show we had paid XXXX {$1.00}, XXXX on XX/XX/XXXX for coverage trough XX/XX/XXXX. After we got the notification that XXXX was in receivership, we immediately got a policy with XXXX XXXX with coverage from XX/XX/XXXX through XX/XX/XXXX. 

We have spoken several times to PHH customer service and after XXXX weeks we learned that because PHH mistakenly thought we werent covered from XX/XX/XXXX through XX/XX/XXXX, a Wind Policy was taken out on XX/XX/XXXX for {$7900.00}. We never have been given a copy of that insurance. Oddly enough, the insurance was taken out AFTER the XX/XX/XXXX deadline. 

Our XXXX Monthly Statement from PHH indicates that {$3600.00} was placed in our account to Reduce Loan Balance rather than in our equity balance. They dciid not repay the additional {$4200.00} that was taken from our equity balance. 

We sent a certified letter to PHH on XX/XX/XXXX with all of the documentation and a request for a full refund of the {$7900.00} they have taken. This is a blatant disregard for our financial welfare. It is this type of capricious handling of a clients resources that gives reverse mortgage companies such a bad name. 

We have heard noting from PHH on this matter.
Product: Mortgage

I made an early payment for month of XXXX on my mortgage account in XXXX and then online banking was showing next payment due date is XX/XX/XXXX. But still they debited my account on XX/XX/XXXX and my external checking account balance went into negative because of this.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX/ Account # XXXX, XXXX XXXX XXXX  /ACCOUNT # XXXX, XXXX XXXX XXXX/ ACCOUNT # XXXX , XXXX XXXX XXXX /ACCOUNT # XXXX., XXXX XXXX/ACCOUNT # XXXX, XXXX XXXX/ACOUNT # XXXX, XXXX XXXX/ACCOUNT # UNKNOWN, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Checking or savings account

On XX/XX/2023, an XXXXXXXX XXXX XXXX  checking account with Bank of America was fraudulently opened in my name. I reported the incident with Bank of America XXXXs Fraud Department via telephone on XX/XX/2023 upon receipt of an account statement in the mail. The statement I received via mail on XX/XX/2023 indicated that an account was opened using my name and former address. The Bank of America associate informed me the account was opened online on XX/XX/2023, using my name, date of birth, former address, and social security number. The account was utilized to make an ATM withdrawal for {$10.00} ; to transfer {$770.00} to an individual named XXXX XXXX ; to transfer {$650.00} to an individual named XXXX XXXX ; and to return an item worth {$2400.00}. This resulted in a negative account balance of {$3800.00}. 

The Bank of America associate informed me that the account had been flagged internally for possible fraud prior to my call. He placed an immediate freeze on the account, but indicated the internal investigation will continue to allow them to ascertain more information on the responsible individuals. He also issued me a case number and informed me that the internal investigation will likely lead to the possibility of filing a lawsuit against the perpetrators. Following the associate 's advice, I placed a credit freeze and fraud alert with both XXXX and XXXX. 

Please note I am refraining from uploading the account statement I received in the mail because it contains personally identifying information, including my name, former address, and account number. I can upload this at a later time and redact the information if necessary.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 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 : States a consumer reporting agency can not furnish an account without my written instructions and or permission. 

XXXX XXXX XXXX, XXXX. 
CREDITOR : XXXXXXXX XXXX XXXXXXXX XXXX DATE ASSIGNED : XX/XX/2019 AMOUNT OWED : XXXX ACCOUNT NUMBER : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX. has violated my rights based on the above sections so stated within the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

Theres an account on my Experian called XXXX XXXX XXXX XXXX  Acount # : XXXX for a balance of {$2000.00} with the original balance being {$2100.00} as said by Experian on my credit profile. This account is a problem account because Experian doesnt give me the option to dispute. This is not my account and should be deleted off my credit as soon as possible. Im going to upload a Massachusetts ID card and a Social Security card to help verify my identity. Please delete this account from my credit report because this should be there.