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

On XX/XX/XXXX, I was informed that XXXX closed both of my accounts because they stated I was in default. Neither account has ever been 30 days late. Due to financial issues, I have fallen a bit behind but I always made the payment before 30 days. I have never missed a payment. 

On XX/XX/XXXX, I went on XXXX 's website to attempt to make a payment to avoid any 30 day lates. XXXX was reporting that there were no payments due on either account. Please see attached picture. 

On XX/XX/XXXX, XXXX Bank reported my credit card as a charge off. Once again, I have never been 30 days late with XXXX. For the past 3 months, I have been making the payments around 28 days late but NEVER 30 days late. On XX/XX/XXXX, XXXX XXXX charged off the account and reported the inaccurate negative information to XXXX, Equifax and XXXX. Their actions were improper. On XX/XX/XXXX, the account was only 28 days behind. When I logged in to make an additional payment on XX/XX/XXXX, the account was no longer listed on the website because they had discharged it. Payments are due on the 2nd of each month. There is no record of this account ever being 30 days late nor have they reported it late. 

In accordance with the Fair Credit Reporting Act, the accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX Bank : Account # XXXX XXXX XXXX XXXX. Account XXXX : XXXX XXXX, Account # XXXX XXXX XXXX XXXX. Account XXXX : XXXX XXXX, has violated my rights. 

15 U.S.C. 1681 602 ( a ) ( 1-4 ) states ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15 U.S.C. 1681b Section 604 ( a ) ( 2 ) states any consumer reporting agency can not furnish an 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 repo
rt by more than seven years.

15 U.S.C. 1681s-2 ( a ) ( 1 ) states 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: Checking or savings account

On XX/XX/XXXX my bank account was debited by ach for {$3000.00} and {$3000.00}. I did not authorize the transactions. The bank rejected the debits and charged me {$34.00} for each debit. I called the bank to inform them that the charges to my account were made in error due to a page that did not refresh properly on the vendors website. The bank informed me that they they rejected the debits. I said that ok because I didnt authorize them. The bank also charged me {$68.00} for the unauthorized transactions which they are refusing to pay back. I told them that I wish to dispute the transactions and the agent on the phone dropped the phone on me.
Product: Credit reporting or other personal consumer reports

XXXX is showing that I owe {$99000.00} in student loans, when I only owe {$62000.00} in student loans. They are listing two loan accounts, one for {$36000.00} and one for {$62000.00}. All of my student loans were consolidated into one account years ago. I contacted Edfinancial services months ago regarding this issue, and I was told they are aware of the problem reporting. Yet, they haven't fixed it. I have disputed the information twice with XXXX, and they refuse to correct it. I filed another dispute on it with XXXX, and also a complaint and dispute with XXXX, in writing today. I am concerned that I will be refused some credit that I apply for, due to showing such a high student loan balance and debt load.
Product: Debt collection

I was charged on XX/XX/2018 balance I owe is XXXX for the Americollect
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act this creditor has violated my Rights! Under Act 15 U.S.C. 1681 section 602 says " 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 refurnish an account without my written instructions ''. Under 15 U.S.C 1666B " A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose ''.
Product: Credit card or prepaid card

They took {$200.00} from my bank account as a security deposit. I had to wait until I received the card to cancel it and that took ten days. Once I got the card I canceled it but I was told I wont get the money back for 2 months and then it would take an additional 10 days for a check to be mailed back to me. I am on a tight budget and cant afford it. I did not even use the card.
Product: Student loan

I first got into XXXX due to the offer of a grant of XXXX after a year in school I noticed that the quality of the service was poor. Teachers will not show up to the class in many occasions class was cancel. Most of the class were giving by different substitute where everyone had a different teaching style. I was not learning anything at all. I pass the class and don't know how as the teachers was granting good grades to everyone regardless if they show up to the class or not. The grades was fraudulently granted.
Product: Debt collection

A voluntary surrender of my vehicle was completed with Capital One Auto Finance. After the vehicle was sold by Capital One AF, they did not contact me in writing or by phone with the balance owed. Instead, the balance / debt was sent directly to a collection agency, XXXX XXXX XXXX. See attached. 

Capital One Auto Finance did not send me written documentation showing the vehicle sale amount against the amount owed. Instead, a letter was received from XXXX stating a sum owed to them regarding the auto loan. 

Therefore, I do not know the sale amount of the vehicle to determine the validity of the alleged debt owed. I do not know the final balance owed to Capital One AF as they did not send anything in writing. I was not given the opportunity to settle the debt with Capital One Auto Finance before it was sent to a collection agency. This is unfair debt collection practices and the legality of not disclosing the vehicle sale amount is in question.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act or FCRA, I am requesting an immediate investigation into these inaccuracies and the subsequent removal of the erroneous items. I kindly ask that you initiate this investigation and provide me with a written response within the statutory timeframe of 30 days, as required by law. I have attached supporting documentation, to verify my claims and request a thorough investigation into this matter. Please find these dosuments enclosed with this complaint. These fraudulent items should be disposed or be removed in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Id reached out to US Bank because I was using the online app as well as the XXXX XXXX to view and manage my mortgage. Upon logging in it says welcome XXXX. Additionally, when I hit the drop-down to see properties, it appeared that her loan and property was on the drop-down with mine. I was unable to tap on her loan and drill down all the sections with information I couldve gone as far as putting her on auto pay. Ive been about this multiple times. Every time I was assured it was gon na be fixed it was. Im sending that maybe this is connected to the identity theft and the fraud thats taking place. Id like a full explanation and a reason why I have somebody mortgage from XXXXXXXX Washington named XXXX XXXX to XXXX XXXX from XXXX, Washington. Its very strange that all these things are happening with my accounts with US Bank and Im just looking for some answers and some relief. Please forward to Bank so they can work on getting me a response. Someone called me the other day and said the same thing theyve been saying for months and that theyre working on it. I have ceased using their online app and any desktop version that they have. I know the last time I used it. I was still being called XXXX. Sometimes I wonder if it has to do with the XXXX number that they have on my business account. Or the account number that verifies who I am. Its also troublesome and worrisome for me. How am I supposed to protect my identity and respond to this and restore my life as it was if the information thats programmed in his systems about me is incorrect and the people that programmed it wont answer. Please help me out here.
Product: Debt collection

Calling over and over again, Told them I refused to give any information or acknowledge any debt. I told them to put me on a do-not-call list. I still receive calls repeatedly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.
Product: Student loan

I completed a REPAYE Loan Payment Application in XXXX 2015. The new administrative rules from the Department of Education caused a delay in processing the loan application. Specifically, I was required to opt out of the IBR program ( 2 months processing time ), then make a payment under 10 year payment program or request a reduced forbearance payment to qualify for the REPAYE program ( 2 months processing time ), before the REPAYE program can be processed. This issue is causing me to loose 2 - 3 months qualifying payments under the Public Service Student Loan Repayment Program.
Product: Credit reporting or other personal consumer reports

A XXXX ago, I submitted a complaint to these Bureaus, but the incorrect information on my report is still there. I haven't heard back from them, aside from your notification that the company has replied to my complaint. How can I trust that they've properly investigated the inaccuracies? What steps did they take to verify the accounts? This entire situation is really frustrating, especially since it's been over 30 days since I filed my complaint.
Product: Credit card

Complainant ordered a XXXX XXXX from XXXX XXXX on XXXX/XXXX/XXXX using a Capital One VISA credit card, paid via XXXX. Computer arrived in a non-working condition. Returned the computer on XXXX/XXXX/XXXX. After 30 days, Capital One credit card had not been credited for returned item. Complainant opened a dispute with credit card issuer Capital One. On XXXX/XXXX/XXXX, Capital One denied the dispute chargeback because purchase involved XXXX, in violation of the United States Fair Credit Billing Act, 15 USC 1601 Section 170.
Product: Checking or savings account

On XXXX, my husband and I reported a rude and unprofessional customer service experience via the online Bank of America feedback inquiry regarding the Bank of America Branch ( XXXX XXXX XXXX, XXXX, CA ) in which my husband was denied the ability to withdraw {$70.00} from our checking account ( my husband is a noted account owner ). The teller had withdrawn the money from the account after my husband was PIN verified. However, refused to give my husband the withdrawal, insisting that he prove himself by showing his ID. Ironically, my husband was able to complete this transaction at another BOA branch in XXXX. 
On XX/XX/XXXX, I received an email from XXXX XXXX indicating she would be contacting me on this day. I personally left a voice-mail with XXXX indicating my availability. On XX/XX/XXXX, my husband visited the BOA branch ( XXXX XXXX XXXX XXXX to withdraw from the ATM. A message at the ATM displayed, " Card not available for use. '' Upon going into the banking center, my husband was informed by the teller that the " debit card was cancelled '', providing no specific reason. After speaking with BOA representative, XXXX, via telephone, I was personally informed the debit cards for both my checking accounts were canceled for " fraud impersonator '' by the local BOA banking institution in XXXX on XXXX. As a result, we were left without access to our funds ( checking, savings ). I was never notified ( via phone, text, email, letter of notification ) of this cancelation until we personally tried to make a withdrawal on XX/XX/XXXX. As a result, we've had to reorder all debit cards, which will be a XXXX business day wait time. In the interim, my husband and I have been victimized by the unprofessional and unethical behavior or Bank of America. Additionally, I have not received any correspondence from XXXX XXXX. We truly appreciate your assistance in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I sent a Debt Validation Letter to XXXX XXXX XXXX C/O Resurgent Capital Services. The letter was received on XX/XX/2018 by someone named XXXX XXXX. The letter asked to provide information on an account that is not mine but is showing on my credit report. The company never responded back to my request. In the letter that I sent, it specifically stated that they had 30 days but ignored my request. This violates Pursuant to Section 809 ( b ) of the Fair Debt Collection Practices Act. After a few months, I sent another Debt Validation letter that was received XX/XX/2018 by XXXX XXXX as well. I received a response back on XX/XX/2018. Instead of them provided the information that I requested, they sent me an " account summary '' that they suggest provides proof of debt. It's not detailed, there is no contract, they do not have my signature on anything. I doesn't even have the address associated with this account. I have never heard of this account in my life and I've never had a XXXX XXXX account.
Product: Mortgage

In XXXX XXXX, we submitted a complaint to you ( case # XXXX ) about a wrongly reported open mortgage balance on our credit reports. That mortgage had actually been paid off in XXXX XXXX. Ocwen - the company that had reported the above on our credit reports - acknowledged their mistake and confirmed in writing that they would make the correction ( their confirmation # XXXX ). Until today, six months later, all three credit reporting bureaus still report that we were in serious delinquency in XXXX as a result of this. In addition, Owen 's telephone number provided in their letter ( XXXX ) is a marketing scam, set up to make any follow up as difficult as possible, intentionally in our opinion. 
Our request is for Owen to ensure that the credit reporting bureaus no longer report a serious delinquency on our reports due to their mistake. As a result of this we are unable to refinance our current mortgage at a lower rate with an estimated impact of $ XXXX over the next five years.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking of the erroneous information which is being posted to my report. 

Here are the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

On XXXX I sent a letter regarding inaccurate things on my credit report. How is it possible for these accounts to have mixed matched reporting of late payments?? I demand all Late Payments to be removed. To this day over 46 days later I have not received a response yet. I feel like I am being taken advantage of and being ignored. Section 611 ( a ), plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 46 days so they should be deleted promptly. I demand these late payments be deleted immediately or I will file for litigation due to the XXXX you caused me. My information was impacted by the Equifax data breach and may have got into the wrong persons hands.
Product: Debt collection

privacy and confidentiality under 15 USC 1681. 
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 or other personal consumer reports

We have a electronic withdraw on our mortgage payment each month on the XXXX of every month. My spouse changed the date to the XXXX of each month. 
In XXXX, the mortgage company, XXXX XXXX, pulled BOTH payments from our account, causing our checking account to be overdrawn. We contacted the mortgage company when we discovered this error. The mortgage company, XXXX XXXXXXXX, acknowledged that it was their fault and would refund the 2nd payment. 
It took 10 days of phone calls ( everyday ) that the funds would be refund - tomorrow. After 10 days, I requested to speak with an associate in escalation. The payment was refunded. Then a week later, the second payment was refunded ( which was not our request ). 
We then made the XXXX payment. The mortgage company, XXXX XXXX, informed us we were 30 days late and charged a late fee ( which was negated ). The mortgage company, XXXX XXXX, filed a report on our credit report for being 30 days late. 
We have never missed a payment. But with the mortgage company 's mistake ( fault ), it caused our credit scores to drop considerably.
Product: Debt collection

Had a debt collection put against my account that was not mine either due to wrongful information or identity fraud. Placed for collection on XX/XX/2020 of a balance of {$1000.00} with XXXX XXXX, but had never signed a contract with them or ever had an account.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act the following accounts : Commonwealth Financial Account # XXXX, XXXX XXXX XXXX Account numbers : XXXX and XXXX has violated my rights. 
15USC 1681-602A states I have the right to privacy.

15 USC 1681-604A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.