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

XXXX XXXX states that I owe them {$2.00}, XXXX to a credit card that was open in XXXX. I have resolved the amount and it was closed on XXXX. The credit card hasn't been valid or shown on my credit report until recently. I have tried calling Experian and also called the company that holds the account recently which is XXXX XXXX. I have had a valid mailing address since the closing of the account ; Neither XXXX XXXX or XXXX has contacted me until recently. To add to the matter, I have recently received a new XXXX XXXX card with no problem; please can you help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE TRIED MANY TIMES BY SUBMITTING DISPUTE LETTERS TO TRANSUNION, ABOUT BANKRUPTCY # XXXX. IN 2020 TRANSUNION TELLS ME IN A LETTER TO CONTACT XXXX XXXX XXXX SINCE THEY ARE THE COMPANY REPORTING THIS PUBLIC RECORD, SO I DID AND IN THERE LETTER ON XXXX XXXX IT STATES THEY WILL NO LONGER REPORT THIS BANKRUPTCY
Product: Credit reporting, credit repair services, or other personal consumer reports

Date of Birth : XXXX XXXX SS # : XXXX To Whom It May Concern : I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. 
I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. 
Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. 
Please investigate the following accounts and remove them if anything is missing or not correct on them. 
Type of Account : Collection Account Public Record : Case Number : Action Requested : Please provide proof that its reporting correctly from the CourtHouse and not a third party and delete if anything is incorrect Collection Account : XXXX XXXX XXXX  Account XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Paid Account/Late Payments : Account Number : Please investigate if every piece of information is correct on the reported late payment history. If the late payments are not reporting 100 percent accurate, please remove them from this account and update the account as paid as agreed I also read where I can get the updated report after you investigate this from the XXXX XXXX guy. Could you please send it to me? Also, please let me know who had access to my file as well. I want the investigation outcome to be sent to my address I put on the from area. 
Thank you for your time and help in this matter. Sincerely,
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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXXXXXX, Account name : # 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, credit repair services, or other personal consumer reports

I'm currently having an issue with XXXX, XXXX and Equifax reporting accounts on my credit that I did not consent to be reported. According Federal Credit Reporting Act Rule 604-permissible purpose of consumer reports. '' the consumer shall have consented, orally, in writing, or electronically. I did not consent or agree with the companies listed below to report any of my information to the credit bureaus. 
XXXX XXXX XXXX XXXX acct no. XXXX -XXXX XXXX XXXX XXXX acct no. XXXX -XXXX XXXXXXXX XXXX XXXXXXXX XXXX  ACCT NO XXXX XXXX -XXXX XXXX XXXX ACCT NO XXXX -XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ACCT NOXXXX These companies listed above are violating my rights as a consumer.
Product: Debt collection

Medical Company is trying to collect a debt that is not mine and it is still on my XXXX  credit report showing as closed but it is NOT MINE. 
I.C.System INC Acct # XXXX XXXX  XXXX XXXX {$600.00} Can you please have the credit bureau removed?
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Against TransUnion for Failure to Correct Inaccurate Late Payment Reporting Dear CFPB I am filing a formal complaint against TransUnion for failing to correct inaccurate information regarding late payments reported on my credit report for the account with XXXX XXXX, account number XXXX. Despite multiple requests for correction dated XX/XX/XXXX and XX/XX/XXXX, the inaccuracies persist, violating provisions of the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
Account Details : High Balance : {$38000.00} Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX ( TransUnion and XXXX ), XX/XX/XXXX ( XXXX ) Balance Owed : {$0.00} Account Status : Closed Payment Status : Current Account Type : Auto Loan Payment Frequency : Monthly Two-Year Payment History : XXXX : XXXX payments reported from XXXX to XX/XX/XXXX and XXXX to XX/XX/XXXX. 
XXXX XXXX TransUnion : Late payments reported from XXXX to XX/XX/XXXX, XXXX and XX/XX/XXXX, and XXXX to XX/XX/XXXX. 
These late payment entries are inaccurate and conflict with the actual payment history I provided in my previous disputes. 
FCRA Violations : Under 15 U.S. Code 1681i, credit bureaus are required to ensure the accuracy of the information in consumer files. Despite providing evidence to correct these inaccuracies, TransUnion failed to conduct a reasonable investigation and update my credit report accordingly.

TILA Violations : 15 U.S. Code 1666b mandates that creditors send periodic statements at least 21 days before the payment due date. The reported late payments suggest noncompliance with this requirement, resulting in harm to my creditworthiness.

Protection Against Non-Payment of Obligations Act ( PAANL ) : This act reinforces the responsibility of creditors to provide accurate and timely statements to prevent unfair penalties. The continued inaccurate reporting indicates noncompliance. 
Desired Resolution : I am formally requesting the following actions : Immediate removal of the late payment notations for this account from my credit report with TransUnion, XXXX, and XXXX. 
Written confirmation of the corrections made to my credit file. 
Failure to resolve this matter promptly will compel me to escalate my complaint, including pursuing legal action and filing additional grievances with the Federal Trade Commission ( FTC ) and other relevant agencies. 
Thank you for addressing this matter promptly. 
Sincerely, XXXX XXXX XXXX
Product: Credit card or prepaid card

Dear Sir / Madam, On Friday XX/XX/XXXX I learned that my XXXX XXXX AAdvantage frequent flyer account ( # XXXX ) had been 'locked ', meaning that I was unable to redeem miles from my account for award travel, or any other purpose. At this time, my frequent flyer account holds XXX, XXX Available award miles. At a valuation of 1 cent / mile ( which is what the Aadvantage program miles are valued at for tax purposes ), this translates to a corresponding value of {$270.00} for the award miles in my account. 

Upon calling in to the AAdvantage customer service phone number ( XXXX ), I learned that I was supposed to wait for an email message from XXXX XXXX Corporate Security, but was not informed why I could not access my award miles, or what the reason was for being denied access. It should be noted I had not ever engaged in activity expressly forbidden by the Aadvantage terms and conditions such as sale or barter of AAdvantage mileage. I have repeatedly called in to the AAdvantage customer service phone number but was never informed of what was going on. I was informed that XXXX XXXX Corporate Security was 'not customer facing ', which means that it is not possible to communicate with XXXX XXXX Corporate Security for an Aadvantage program member, despite what happened. 

I learned from online social media that many Aadvantage accounts that had award miles deposited from credit card signup bonuses were locked. In fact, the one thing that appears to be common between these accounts is that they all had mileage that was obtained through credit card signup bonuses. At least some of those accounts were terminated, meaning that all mileage earned over the lifetime of the account was forfeited. My Aadvantage account also contained mileage that was obtained through credit card signup bonuses. It should be noted that earning bonuses from Aadvantage program partners such as Citibank is not against the terms and conditions of the Aadvantage program. 

On XX/XX/XXXX, I received an email from XXXX XXXX CorpSec team notifying me that my account has been permanently SHUT DOWN, meaning that I no longer have access to my XXXX points. On top of that, my flight tickets were cancelled for my trip to XXXX in XXXX of XXXX. This includes flights from XXXX -> XXXX -> XXXX -> XXXX -> XXXX, which is a total of XXXX XXXX points ; a cash value of {$4000.00}. 

I ask that full access to my Aadvantage frequent flyer account is restored, and my ability to redeem award miles for travel or any other purpose is restored without restrictions. I also ask that access will not again be restricted when no violation of the Aadvantage program terms and conditions took place. Alternatively, if my account can not be reinstated, then I would ask for a cash-value of the points that would have been in my account, which would be {$4200.00} ( XXXX points ). 

I thank you in advance for your kind assistance. 

Sincerely, XXXX XXXX P.S. apologies for formatting/spacing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Complaint on 2 companies : XXXX XXXX XXXX and XXXX XXXX XXXX. 

1. XXXX XXXX XXXX : ( 2 accounts ) A XXXX XXXX  XXXX - {$710.00} B ) XXXXXXXX XXXXrd- {$900.00} Description : XXXX XXXX XXXX has written, called, emailed, and has reported this inaccurate information on my credit report. I have disputed these accounts online several times. The last emails from XXXX XXXX were on XX/XX/22, XX/XX/22, and XX/XX/22. This company has violated these laws : 15 U.S.C. 1681 section 602 A. States I have the right to privacy. 

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

15U.S.C. 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

XXXX XXXXe XXXX {$770.00} ( One account ) Description : XXXX XXXX XXXX has written and called, and has reported this inaccurate information on my credit. I have disputed these account online several times. The last letter from XXXX XXXX XXXX was on XX/XX/22. This company has violated these laws : 15 U.S.C. 1681 section 602 A. States I have the right to privacy. 

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

15U.S.C. 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.
Product: Mortgage

Considering the problem that I have had that were outlined in my complain number XXXX, I would like to request an investigation into the PMI cancellation practices of Truist Bank XXXX 
As housing prices have escalated, so too has the minimum loan amounts on loans being financed by this lender. 
If I am having this much trouble getting PMI cancelled, I would assume that many other people are as well. 
Please consider investigating other consumer loans with this lender for attempts to decline borrower requests to cancel PMI.
Product: Prepaid card

I purchased a reloadit money pack so that I could transfer the funds to my XXXX account. I have never used on before, but since it was at my local XXXX I figured it would be easy to do. I purchased it with {$400.00} cash. I have the receipt. I have tried over and over again to access the money through their website but it wont let me sign up, for over a week now. That money was supposed to be used to buy my family XXXX presents. They said it would take 30 business days to refund my money. I think this is a scam. How are they allowed to operate their business like this? Please help me resolve this. I am a hardworking taxpaying family man. Thank you
Product: Checking or savings account

In XXXX XXXX I submitted a dispute because my wallet and phone was stolen. My account was compromised and {$2000.00} was stolen from me from my credit karma money spend account. On XXXX XXXX they favored me and replaced my {$2000.00} but the account is frozen and closed and I cant get the money out of my account! This is a scam and I believe they are trying to take my {$2000.00} because I should be able to transfer and get my money out but I cant so its just sitting there and when I call customer service they all keep saying oh youre account is being investigated about why it was closed! That has nothing to do with anything and it doesnt give me access to my funds.
Product: Money transfer, virtual currency, or money service

Attempted to close MoneyLion investment account in XXXX. Company is not responsive and continues to provide bogus reasons to refund investments. Continues to collect monthly membership fees along with deceptive business practices.
Product: Debt collection

Upon reviewing my credit report, I noticed an account listed from Midland Credit in the amount of {$610.00}. I have not received any notices regarding this debt and am formally requesting full validation of the account in accordance with the Fair Debt Collection Practices Act.
Product: Student loan

I was given XXXX income contingent repayment plan ( ICR ) by MOHELA in the amount of {$850.00} when submitting my consolidation request in late XX/XX/XXXX on studentaid.gov based on Income. 
The promise to me spoken by XXXX and student aid ombudsman was that an income based consolidation loan would also honor my years of payment, thereby cancelling some of my student debt after 20 or 25 years of repayment. I started paying in XXXX, with a break in forbearance on my loans, but have been consistent with paying XXXX and XXXX XXXX ( now XXXX ), since XXXX, under SAVE and IBR. My most recent Tax Return was submitted along with this consolidation loan application request to show that I was eligible for an income based repayment plan. MOHELAs calculations show an Income Contingent Repayment ( ICR ) for {$850.00}. 

On XX/XX/XXXX ( a Friday ), I received a processed Direct Consolidation application from XXXX. XXXX  processes Federal Student Aid for MOHELA, also a Federal Student Aid company. The information within this processed application shows a consolidated loan that will be subject to standard repayment. That amount can range from {$2600.00} to {$4100.00}, depending on what they select. In at the letter I was asked to respond within 10 days. However, the date on the letter is XX/XX/XXXX. By the time I received the letter, I could not respond. The office was closed on XX/XX/XXXX, by the time I received the letter. And the deadline XX/XX/XXXX is a Saturday. The office is no open on XXXX and XXXX. When I called on the next business day, I was told by their representative that the XXXX  did not have the loan. In talking with MOHELA, I find out that the loan was told that the loan was still uploading. I would later find out after much questioning that the loan processed by XXXX  was returned to MOHELA for final processing ( disbursement to XXXX and notification to me ). 

I am continually told conflicting information. 

I am a veteran ( retired military ) and I am XXXX XXXX XXXX. I have worked with a nonprofit in the past ( XXXX - XXXX ). Yet I am told I qualify for debt forgiveness, and yet this consolidation does not reflect any of what has been promised.
Product: Credit reporting, credit repair services, or other personal consumer reports

This XXXX XXXX XXXX will not stay off my report. It has been deleted twice & it still report erroneous information on my report. Please mailing me or having any correspondence. It's becoming a harassment. 

This account was opened XX/XX/23 but, its accurately reporting 120 days past due. We're currently in month of XXXX. From XXXX to XXXX is over 200 days. This account has been removed for inaccuracy & blocked for fraud numerous times.
Product: Credit reporting or other personal consumer reports

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section XXXX ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, Experian, and Transunion data breach, which raises concerns about the security of my personal data.
Product: Mortgage

Back in XX/XX/XXXX I filed a complaint against Bank of America to get loan assistance. The case number is XXXX. I was able to get a loan modification after I filed the complaint which started on XX/XX/XXXX. The loan modification specified for me to make 3 trial loan payments which decreased my payment to {$670.00}. The three trial payments were to be madeXX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I just found out a week ago ( after making the first trial payment ) that my loan has been sold to XXXX XXXX XXXX. Right now, XXXX XXXX XXXX has no record of my loan modification. I spent over 9 months working with Bank of America to get the loan modification approved and wrote to the CFPB and they ended up selling my mortgage loan. I am highly disappointed and upset that this happened. I spoke with several representatives at Bank of America that advised me that I would not need to make any loan payments for my regular loan amount of {$810.00} while under the loan modification trial period. They advised me that the past due payments would go to the end of the loan once the trial period was over. I would like my trial loan modification to be transferred to the new loan under XXXX XXXX XXXX. The new loan account number is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed Chapter XXXX in XXXX of 2020. All of my creditors except for 3 are still sending me bills and reporting to the credit bureau that I owe them money and these creditors were included in the Chapter XXXX when I filed Those creditors are XXXX XXXX, XXXX ; XXXX and XXXX XXXXXX/XX/XXXX. They told me they closed the account, but after the Chapter XXXX was discharged they started sending me bills like it was never filed.
Product: Checking or savings account

Bank of America suddenly froze my accounts and debit cards on the afternoon of XX/XX/2020. 
I called and they mentioned my accounts were closed. 
Clearly that was not true because i received an email indicating a continuation of one of my subscriptions connected to a card i have with them. 

I was told it was a business decision. I was not given any details whatsoever and im demanding i withdraw my funds immediately. 

This is not fair! 

Checking account # 1. {$1900.00} Checking account # 2. {$1700.00} Business Account # 3. {$6600.00}
Product: Credit card or prepaid card

The Bank of America " SECURED '' card allows access to rebuild credit and establish credit, atleast that is how BOA advertises it. I applied for a " SECURED '' card and was denied. My income was more than enough, my debt is decreases due to rebuilding credit, & I had MORE than enough money for a hefty deposit, WHICH BANK OF AMERICA HOLDS until they feel you are ready for a unseucred card. My issue is I got an automatical denial without a manual review of my application and circumstances. The " SECURED '' card is marketed completely wrong and it is very disengenious in its verbiage.
Product: Credit reporting or other personal consumer reports

XX/XX/year> Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 1681, 1682, 1683, 1684, 1692, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XXXX, Equifax, XXXX. These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX, Equifax, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my Equifax, XXXX, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 


Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through XXXX, Equifax, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX