23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

My name is XXXX XXXX I need a update on this complaint u submitted I never got a email or call from my caseworker please help me etc Complaint about XXXX corporate or yall local branch in my area where I live at called the adult protection services on me about a XXXX dispute claim they didnt want to help me with and I need help trying to find out who called if it was my local bank in my area or yall corporate call on me for no reason and why the local bank I deal with is M & T Bank and address XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX and their phone number is ( XXXX ) XXXX and I want to make a complaint against who ever call on me for no reason I want them to be investigated and punishment at the local bank and at the corporate and punishment and investigate too and I want them to be both contacted and provide me a sorry apologize letter at yall corporate and at the local bank too and from yall too and I want yall to contact the local bank I have give yall their information too by calling them and writing to them or call them or do both and investigate them and punishment them and do the same to the corporate and have them both send me a apology letter my name is XXXX XXXX XXXX XXXX is XXXX my contact is XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX and email is XXXX and phone number is XXXX etc.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was advised to contact you regarding some items on my credit that are not mine. I'm really trying to purchase a family home and this has been holding me up as I didnt know how to approach it at first. I have contacted the FTC and the police here. Please have these items removed from my credit. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX  XXXX and XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act ( 15 U.S. Code 1681 ), it is vital to emphasize the findings of Congress, which highlight the significance of accurate credit reporting for the efficiency of the banking system. Marketed as consumer reporting agencies ( CRAs ), these entities play a crucial role in assembling and evaluating consumer credit information. However, the Big XXXX CRAs rely on data from smaller CRAs, such as XXXX, to compile consumer reports. This practice prompts us to be proactive in safeguarding our privacy rights, which is the foundation of this process. 

Identity theft is a paramount concern, and its implications extend beyond the immediate transaction. Consent is essential, and its absence constitutes a breach of privacy. The reporting of unauthorized accounts, without my express written consent, reflects identity theft. CRAs are liable under the law for their negligent and willful noncompliance, as stipulated in 15 U.S. Code 1681n, entailing possible penalties of {$1000.00} per violation.

Moreover, the practice of buying and selling personal information without consent poses a significant privacy issue. The compilation of a comprehensive report without permission constitutes identity theft. The protection of privacy is a right, not a privilege, and I demand that the agency promptly remove and block the identified information.

I have meticulously followed the requirements outlined in 15 U.S. Code 1681c-2, as provided by the Consumer Financial Protection Bureau . Clear and conspicuous information was not provided to me regarding the reporting of these accounts, as mandated by the Gramm-Leach-Bliley Act.

By exercising my rights under 15 U.S. Code 1681c-2 and 15 U.S. Code 1681b ( 2 ), I am seeking a resolution to the violations of the Fair Credit Reporting Act. I insist on the immediate removal of the identified items, in line with their legal obligations within four days.

Furthermore, under 15 U.S. Code 1681d, the requirement for proper notification during the creation and furnishing of investigative consumer reports has been overlooked, contravening the law. 

Given the comprehensive evidence I have provided, I am pursuing a resolution to address the FCRA violations and the infringement of my privacy rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion is reporting a collection from XXXX XXXX XXXX that I didn't sign for!!!!! 
they are also reporting the collection as an open account and a balance that changes often!!! 


XXXX is reporting 2 late payments to my report I disputed the child support ones from XXXX there are almost 15 of them but I have had a wage attachment from my job since XXXX I sent them proof of this with my paystubs and sent more than 4 letters nothing has been done the second late payment was for a credit card I was out of the country on a personal family emergency my sister was killed in XXXX I tried to transfer money to pay the statement bill it wouldn't let me because I was out of the country they thought it was fraud i understand that but not my fault
Product: Credit reporting, credit repair services, or other personal consumer reports

Waiting on removal of items on my Equifax credit report.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX. XXXX  - Date : XX/XX/2023 XXXX. XXXX  - Date : XX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX my wife and I entered into a repayment agreement with the XXXX XXXX XXXX. The terms of the agreement were for an initial payment of {$17000.00} on XX/XX/XXXX and then on or before XX/XX/XXXX monthly payments of {$4300.00} monthly thereafter, on a total balance of {$760000.00}. 

All these payments have been made on time and per the agreement. The XXXX initially reported to credit agencies in XXXX of XXXX that the loan was written off, which it was not, and then has since said we are non-payers/collections. This has ruined our credit, which we worked a lifetime to keep high and in a matter of months they single-handedly destroyed. At this point, some of the agencies have reversed XXXX  erroneous write off claim, but not all, XXXX and Equifax. Recently XXXX completed their dispute by saying the XXXX claims it was accurate, even though I provided evidence of every payment on the XXXX 's own pay.gov site.
Product: Debt collection

This account is fraudulent in regards that the security interest paid for all obligations. Lending Club continues to communicate with me harassing, oppressing, and abusing me in connection with this debt. Lending Club has continued to send false, deceptive, and misleading representation in connection with the collection of debt created by this account. Lending Club unfair and unconscious practice to collect this debt is causing harm, abuse, and is very deceptive. 
Lending Club continues to infringe on my rights as a consumer by not in good faith upholding their responsibilities. The Fair Debt Collection Practices Act ( FDCPA ) and Truth in Lending Act ( TILA ) responsibility for the debt is in dispute as well as the validity of the debt, or any portion thereof.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is regarding Violation of verification and reporting of public information. Negative items ( bankruptcy ) on my credit report ( s ), where I personally contacted the US court house and verified that they do not verify or provide information to the to 3 party credit reporting agencies. How is it possible Experian, XXXX, and XXXX are reporting a negative public record item? Your assistance is greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Spoke to the owner - informed him about the hard inquiries and explain that he only ran my credit XXXX time. I explained that their are XXXX hard inquiries, he said he will call be back. I left him a message, that I wanted a refunded for his services and to remove those inquiries since I didn't give them any consent.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX  # XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX Account Name XXXX XXXX XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The ITEMS I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XX/XX/XXXX
Product: Debt collection

XX/XX/XXXX, I said in my dispute : I did receive medical care but I had Medicaid because I was XXXX  and unable to work! This debt was incurred because the insurance coder at the medical facility entered in my insurance info incorrectly or failed to enter it in. I never received any bill or other communication from this facility so I thought the bill was paid by Medicaid as it should have been. Now they have turned it over to collections when I was never even notified. I tried to contact the hospital to get them to run my insurance info but they wouldn't because this was in XXXX. It is their employees fault and I am not responsible for this debt! I had no income due to high risk XXXX, I had my daughter XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This is in collections, the only collection I have. Collection Agency : HEALTHCARE RECEIVABLES GROUP. Original Creditor Name : XXXX XXXX XXXX XXXX Amount {$520.00}. 

Company responded on XX/XX/XXXX : Company 's Response Thanks for sharing this information. We are closing your account and returning it to our client so it can be properly handled there. We are also deleting the account from the credit reporting agencies. 

I have been fighting to have this removed for over a year now. At this point, the debt should have been removed per the companys information theyre providing me but I have disputed this debt with XXXX multiple times & they keep coming back saying the debt has been verified by the collection agency as accurate! The debt is from XXXX & has surpassed the statute of limitations for Virginia at this point. I want it removed from my XXXX credit report.
Product: Checking or savings account

In XXXX I found BOA new account bonus information online as attached and XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX verified the information I provided and opened a new check account for me, and told me I need to make direct deposit more than {$4000.00} per month to get {$300.00} bonus after 3-4 direct deposits. I have set up direct deposit $ 4200 monthly at the end of XXXX as attached. In the middle of XXXX XXXX XXXX XXXX me the promised bonus was on the way. I saw {$100.00} bonus on XXXX XXXX other than {$300.00} as attached and I made an appointment with XXXX. Last Thursday - XXXX XXXX, I told XXXX XXXX I only received {$100.00} which is a new account bonus, Mr.West seemed to try to find out what's going on. A lady who I guessed is in charge told me the bonus information was not true and I was told that the online AD was not from BOA. And then she printed out something for me as attached, obviously it is different from what I found in XXXX. After I showed her what I saw online back to XXXX, she told me that she would file a complaint for me to higher level, but I could not get {$300.00} as Mr.West promised in XXXX. 

My concern is that the bank should keep what they promised. The relationship manager XXXX XXXX should have told me from very begining if the information was not accurate. But XXXX XXXX kept promising. The bank should honor what the bank staff promised to the customers. 

I ask for {$300.00} bonus as promised from BOA. 

Thank you!
Product: Mortgage

I was told that a fee that was charged by the prior home equity loan company would be paid by Discover home loans
Product: Debt collection

XXXX continues to send me a collection notice 3 times after I told them that I never had XXXX sytem @ my home or owe them NOT XXXX BROWN PENNEY.They refuse to stop their tactics and continue to send collection notices after I told them 5 times not too!
Product: Credit card

I have opened a Hilton Honors credit card with AMEX in XX/XX/XXXX which was stating " Earn XXXX Hilton Honors Bonus Points after you spend {$2000.00} in eligible purchases on the Card in the first 6 months of Card Membership. '' For the 1st month I setup a bill payment from my account and AMEX charged me interest and told me they did not receive my payment. I immediately paid over the phone, but they refused to refund me the fees charged and after I called multiple times, they refunded me partially the fees. For the 2nd statement I made sure to pay on time and paid for the whole balance. I have a XXXX credit and I never missed a payment. Today when I called and asked why I did not get my bonus points after spending so much on this card, they told me I am not eligible for their offer. I tried to explain them that I was approved for this offer when I applied for the credit card and I did not get a letter or a note about being not eligible for the offer. And now after I spent so much money and they charged me even an annual membership AMEX refused to give me the points. I was extremely disappointed after doing my best to spend and pay the debt to not get the points and the worst it was that the Customer Service representative could not tell me why I was not eligible and why I did not get a notification about not being eligible. This is the first time when I get into a situation when the promised reward points are not
Product: Credit reporting or other personal consumer reports

I am formally contesting any inaccurate or undocumented information found in my credit report. This includes unverified claims, which I challenge under the FCRA and the accepted STANDARD of metro 2 data field reporting. The alleged delinquency and inquiries lack factual proof, and it is inappropriate to report claims known or should be known to be unlawful.

I hereby notify you to ensure the accuracy of all your claims, as mandated by the Metro 2 reporting standard. 

Listed below are the Personal Information that are being challenged Incorrect DOB : - XXXX Incorrect Employers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX  Listed below are the Accounts that are being challenged XXXX XXXX XXXX {$4100.00} XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX {$760.00} XXXX XXXX {$2300.00} XXXXXXXX XXXX XXXX {$2200.00} Listed below are the Inquiries that are being challenged XXXXXXXX XXXX XXXX | XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

On XX/XX/23 i recorded a promotional balance transfer from XXXX XXXX  ( another credit company that I have a credit card account with them ). I performed this balance transfer of {$130000.00}. XXXX XXXX  XXXX a check to my M & T Credit Card and charged me a balance transfer fee. At that time of the balance transfer my balance on the M & T credit card was only about {$1100.00}. Once the balance transfer went through and settled my M & T credit card had a negative balance because of the overpayment. I contacted M & T lending office and asked them to transfer my over payment of about {$11000.00} to my M & T checking account. They stated we can not do that and we will send the original payment from XXXX back to them. Although this is not correct and the overpayment is my money I agreed to that. But its been 18 days and they still holding my money. I have contacted them numerous times to resolve this issue but every time they just apologize and stating we will send an email to the back office. Please help me to get my money
Product: Credit reporting or other personal consumer reports

This is will be my third compliant about inaccuracies on my report. Experian has been reporting transactions and experience from XXXXXX/XX/XXXXXXXXAs congress stated under the fair reporting credit act 15 u.s code 1681a ( 2 ) as provided in paragraph 3 the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and person making the report.The above mention accounts are reporting transactions and experiences making the report inaccurate.Experian has failed to ensure proper procedures to assume maximum possible accuracy of the information being reported. Experian has failed to provide me before hand of how reporting was verified. What procedures was taken to ensure proper accuracy was being reported.As 15 u.s code 1681a ( 2 ) ( I ) stated the consumer report DOES NOT include transactions and experiences. XXXXXX/XX/XXXXXXXX and experiences should not be on my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting I was late 30 days on my vehicle loan for the month of XX/XX/2021. I disputed the error and the late payment still remains. Dispute results state the creditor certified the information was correct. I do not understand how that could be if I was never 30 days late on my payments. 
The account being reported incorrectly is XXXX XXXX. The month I paid off my loan ( XXXX ) is when they reported the alleged late payment.

I tried contacting XXXX XXXX and they can not tell me why it is reporting late and told me my account had no late fees assessed. They did provide me a copy of my payment history which I can provide to you.
Product: Debt collection

Initially I thought this account was a result of fraudulent use because I specifically requested the account be closed and my purchase refunded when I found out my mother never received the items I ordered for her. When I first ordered the items they were sent to the wrong address. The company agreed to resend the items to her. Months later I asked my mother about her hat and dress and she informed me that she never received them. By that time I had already paid {$95.00} in reoccurring bill payments and with a credit balance of over {$100.00}. I informed the company that she never received the items, I wanted a full refund, and the account closed. The representative assured me this would be done. This company is destroying my credit by reporting the negative account that was a result of goods not received. My Fraud Recovery Specialist has attempted to work with the company to get them to stop reporting the information and issue a refund without much success. 

The collection agency they sent the debt to has assured me that they did not report the negative information so that means the data furnisher is XXXX.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 and list of Inquiries. 

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

There are errors on my credit report indicating late payments, which do not reflect my typical payment behavior. Please rectify these inaccuracies and update my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Past 5 years done one have been trying to get things in my name want to get all inquiries deleted for in proper use. Below the following HARD INQUIRIES XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Inquiry XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX XXXX Inquiry XX/XX/XXXX XXXX XXXX Inquiry XX/XX/XXXX XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX XXXX Inquiry XX/XX/XXXX XXXX XXXX Inquiry XX/XX/XXXX
Product: Credit card or prepaid card

I mailed a letter to Bank of America on XX/XX/XXXX instructing them to close this credit card account. I no longer use this credit card account, and do not leave any unused accounts open, for fear of fraud and misappropriation. Bank of America responded two weeks later, in a letter dated XX/XX/XXXX, that I have to call the Bank to effectuate this account closure. My letter and Bank of America 's response are attached. I always conduct my business in writing so that I have a precise record of communications. I do not have time to listen to recordings, navigate a phone tree, wait on hold, or hear reasons the Bank believes I should keep this account open or exchange it for a different credit card. Bank of America should have closed my account effective XX/XX/XXXX pursuant to my unequivocal written, signed, and mailed instructions, but seems intent on keeping my account open against my wishes. Please compel Bank of America to close my account effective XX/XX/XXXX, and to send me a letter confirming it was closed as of that date. The Bank 's deliberate delay is unacceptable. Thank you for your help.