23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Company now shows that Dept of Education paid acct Number XXXX now the company had placed that I have been late XXXX XXXX late XXXX and XX/XX/year> this is incorrect and seems like retaliation for the fact that they had the information incorrect and I keep asking for them to correct the information. Please Provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The listed account needs to investigate and correct for erroneous reporting in my file and is listed on my credit report XXXX XXXX XXXX Balance Owed : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is already my third time submitting this complaint. I have told you already, I was never late on this account. In fact, there are multiple errors with this account. Please check the last payment, the account number, etc. This is a good standing account. Please verify that all information are XXXX percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. This is a strict violation of Fair Credit Reporting Act sections 611, 616 & 617.. Please remove negativity, fix and correct all inaccuracies.. 

XXXX XXXX XXXX
Product: Mortgage

Bank of America is always pushing new products to make money off people. The latest is that to get services one has had in the past ( IE -free safe deposit box ) one has to sign up for new products. In my case it was a be a premier customer which opens new ways for B of A to get money from you. 

I did ask about getting a pre-qualifying letter as I was going to make an offer on a house. I was called by a XXXX XXXX from BOA who is a Sr. Mortgage loan officer XXXX. I was very clear I only wanted a pre-qualifying letter and not apply for a loan. He summarily dismissed that and told me to meet him in person ( he was pushing about that ) and bring 2 years of tax returns along with other data which appeared that I was applying for a loan. 
I told him I was not applying for a loan only a prequal letter to which he said '' I am busy and I do n't know you '' I need this for a pre-qual letter. I know enough to know he is playing the oldest game in the book -- -- -- -the old bate and switch. He thought he would just be overbearing, aggressive, lie and get what he wants. What he needs is to be out of a job. 

it appears the bank are at it again, same XXXX that led to 2008 and no body to oversee them.
Product: Credit reporting or other personal consumer reports

In correct amounts on my credit report hard requires on my credit wrong information
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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. States I have the right to privacy 15 U.S.C 1581 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 tem of information, other than records of convictions of crimes which antedates the report by moe than seven years.

15 U.S.C 1681s-2 ( A ) ( a ) 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.

Delete the account below!
Product: Debt collection

I recently reviewed a copy of my credit report. I was shocked to learn I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. This has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent account from my credit report as soon as possible.
Product: Checking or savings account

I paid {$3700.00} dollars in exchange for an educational bootcamp. Upon entering said bootcamp I found no resources and plagiarized content which I couldn't use, leaving advertised services un-rendered. After coming to that realization, I then asked for a withdrawal from the program with a refund. I was then met with hostility and was told that I should promote said services even though I didn't receive them, and that not helping was the equivalent of calling her a " XXXX ''. As one would an assume, an uproar followed, questioning her on the response and logic behind it. She then deleted all communication channels in the discord, and called me personally to dis-enroll to which I agreed contingent only on my refund to which she agreed. I was then notified with a fake receipt and invoice number. I then contacted the assumed billing department by the name of stripe billing. They explained to me that the information provided did not exist in their system. I then contacted the merchant back asking for the proper information to track said refund. the merchant falsified resources and accreditation on all levels. I have not been notified or updated in any way since this request. I am XXXX of XXXX of people who are now victims of fraud. This is being reported with the intention of further legal action. She has done this to hundreds of us and is now sending cease and desist threats that are poorly written to attempt to scare students into silence. There are articles on this as well as recorded spaces XXXX videos. I then submitted a XXXX disputes, XXXX being # XXXX and the other being XXXX to Chime XXXX XXXX ), XXXX was on my chime credit card and the other was on my debit card and within less than XXXX hours both disputes had been denied stating how no billing error occurred, not only is this not relevant its also inaccurate, this is a FRAUD claim and there is absolutely no way due diligence or proper review was done in less than XXXX hours. I sent ample amounts of proof. Documents, articles, and screenshots, there is no way this should've been denied. This is obviously a ploy to keep people from retrieving DESERVED compensation.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX XXXX, XXXX XX/XX/XXXX. This CPB comprnt has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, equifax and Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX with a balance of {$3900.00}. 
that appears related to the aforementioned ini several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as onsunl crodt repori mandainec by you vere not opened, madl, or initatod by me. Al of the aforementionad sccounte collectione and hard inauiries are the raeult of identity thaft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of to have attached a copy of FTC identity theft criminal complaint as proof from US Federal Trade Commission that the aforementioned consumer credit account that is the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am currently in the process of reviewing my consumer reports and noticed many inaccuracies regarding Account # XXXX including but not limited to, Account Status, Date Opened, Last Reported, Date Last Active, Date of Last Payment, as well as Payment History. 
15 U.S. Code 1681e - Compliance procedures states : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
Please investigate and provide proof that the consumer reporting agencies were in compliance with this matter. Please delete for the consumer report for violating compliance procedures. 
Thank you in handling this matter.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, Transunion has violated my rights. 15 USC 1681 section 602 states I have the right to privacy. Transunion is the only credit bureau reporting a bankruptcy under a name that does not belong to me. Rule 9037. Privacy Protection for Filings Made with the Court- ( a ) Redacted Filings. Unless the court orders otherwise, in an electronic or paper filing made with the court that contains an individual 's social-security number, taxpayer-identification number, or birth date, the name of an individual, other than the debtor, known to be and identified as a minor, or a financial-account number, a party or nonparty making the filing may include only : ( 1 ) the last four digits of the social-security number and taxpayer-identification number ; ( 2 ) the year of the individual 's birth ; ( 3 ) the minor 's initials; and ( 4 ) the last four digits of the financial-account number. ( b ) Exemptions From the Redaction Requirement. The redaction requirement does not apply to the following : ( 1 ) a financial-account number that identifies the property allegedly subject to forfeiture in a forfeiture proceeding ; ( 2 ) the record of an administrative or agency proceeding unless filed with a proof of claim ; ( 3 ) the official record of a state-court proceeding ; ( 4 ) the record of a court or tribunal, if that record was not subject to the redaction requirement when originally filed ; ( 5 ) a filing covered by subdivision ( c ) of this rule; and ( 6 ) a filing that is subject to 110 of the Code. 15 USC 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. Code 1681a- Definitions ; rules of construction Exclusions-Except as provided in paragraph the term consumer report does not include-any report containing information solely as to transactions or experiences between the consumer and the person making the report 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which is prohibits. They furnished this account that we did not agree upon and i didnt sign any agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didnt follow the proper 5 step validation procedure which makes it unfair practices. According to the FDCPA I'm entitled to {$1000.00} per violation and clearly they violated my rights
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX*** XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021
Product: Debt collection

This is is the XXXX XXXX this matter come before you each of the previous time it was investigated and removed however, this company name Jefferson capital still trying to extort me for an account that I previously dispute and was removed from my credit file because it was fraudulent. 
In XX/XX/XXXX, I was in the process of buying a house I gave permission to a mortgage company to run my credit, there was a fraudulent account on my credit report associated with XXXX under a company name allied collection service. I immediately contact XXXX, the three credit reporting agency, XXXX XXXX XXXX as well as filling a FTC fraud report ; the matter was investigated and was removed from my credit file on XX/XX/XXXX. 
This year a company name Jefferson capital system, called my phone XXXX times a day, I thought it was scam, after many calls and no messages I called them back. I was threating to pay them the money they said I owed on a sprint account, I told them I never have sprint. a few days later the account appeared on my credit file when I looked closely it is the same fraudulent account that I have previously disputed and was removed from my file in XX/XX/XXXX. I called XXXX which is now XXXX, the XXXX I spoke with told me that matter was resolved and I don't have any account with them. I reached out to the credit bureaus and the company nothing has been done. I believe that they are using this to extort money from me. 
I have had a identity fraud alert in my credit since XXXX after my identity was stolen and I have previously from several complaint with the FTC regarding this issue.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), XXXX U.S.C. XXXX, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), XXXX U.S.C. 
XXXX ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 

The following accounts are XXXX, XXXX ( XXXX XXXX )
Product: Credit card or prepaid card

On XX/XX/2023 at XXXXXXXX XXXX EDT, I called CC Customer Service to make a payment. Spoke with XXXX, no Agent ID is provided. I requested fund allocation in a specific way because there is no option to allocate the funds as needed on the CC website available. I specified and confirmed several times before the end of the call that my request is understood and will be completed as requested. I was assured that the payment will be allocated as I requested. The confirmation number is XXXX. Today, I checked the transaction and found out that the funds are not allocated as I requested. I paid {$500.00} toward two promotional charges that will expire on XX/XX/2023 : {$59.00} and {$440.00}. However, today I see that {$59.00} is zeroed out as I requested but {$440.00} is not, and accrues interest for each day the charge is not paid. The funds went toward regular, non-promotional charges, which I did not ask to do so. My due date is the 21st of each month and I specifically asked not to apply payment toward monthly payment because I will make another payment prior to the due date. The agent assured me that the funds will be allocated as I am requesting 100 %.
Product: Debt collection

I am writing this complaint in regards to Monterey Financial. First they call my cell phone multiple times and have never confirm I allow them to do so under the TCPA act this is illegal. Second they set me up on a payment plan which clearly states the date the payment is due and does not give a specific time. Today XX/XX/2021 they call me regarding my payment and they said it did not go through. I advise them it will be made by the end of the business day. The representative XXXX XXXX told me it had to be paid by XXXX XXXX  or they were going to reverse my payment plan and threatened to collect the balance in full. The agreement has not time on it as to when the payment has to be made and I offered to make the payment by the end of the day and she became difficult telling it would cause my assistance to be reversed. I do not appreciate and have been having issues with there staff since day one. I have asked to speak with a supervisor and one is never available. I have spoken with team leads and they do not resolve the issue, but make excuses why there staff did what they did. I work in this field as well and know my rights and feel they have treated me with the most un customer service like respect I have seen from a company in a long time. This company
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, WA XXXX Re : Dispute of XXXX Subject : Dispute Regarding Violation of 15 U.S.C. 6802 ( Gramm-Leach-Bliley Act ) Dear XXXX XXXX XXXX, I am writing to formally dispute a potential violation of my privacy rights under the Gramm-Leach-Bliley Act ( 15 U.S.C. 6802 ), specifically in regard to the unauthorized sharing or disclosure of my personal financial information by your institution. I believe that my financial data has been shared or disclosed to third parties without my consent or in a manner that violates the provisions of 15 U.S.C. 6802, which mandates that financial institutions must have written privacy notices and provide consumers with the option to opt-out of such disclosures. I discovered that my personal financial information may have been shared with third parties, which I did not authorize. Lack of Notice/Opt-Out Option : I have not received any written notice regarding the disclosure of my financial information to third parties, nor was I offered an opportunity to opt out, as required by law. Violation of Consumer Rights : Based on the information above, I believe your institution has not adhered to the provisions of 15 U.S.C. 6802 regarding consumer privacy and information sharing practices. In accordance with the requirements of the Gramm-Leach-Bliley Act, I request that you : Provide a full explanation of how my financial information was shared or disclosed, including the third parties involved. Demonstrate compliance with 15 U.S.C. 6802, including the opt-out provision. Cease any further unauthorized disclosure of my financial information and provide written confirmation of corrective action. Please respond to this dispute within 30 days, as outlined under the Fair Credit Reporting Act ( FCRA ), and provide the necessary documentation to resolve this matter. If this issue is not addressed in a timely and satisfactory manner, I will consider taking further legal action. Thank you for your immediate attention to this serious matter. 

Sincerely, XXXX XXXX
Product: Debt collection

On my credit report there is a collection account from the company amsher collection service. I am not aware of this debt. This company failed to put me on notice of this debt or my rights to dispute prior to reporting this on my credit. If in fact this company says they put me on notice, I would like them to provide a copy of a certified notice making me aware of this debt and my rights to dispute with my name and signature prior to reporting this to my credit report.
Product: Checking or savings account

This is an extension from my prior complaint. Please review prior CFPB complaint if possible.

In my last complaint, CFPB stated " the company sent its response directly to you and provided a copy to the CFPB. It may take a few days for you to receive the companys response '' and gave me information to contact the company.

I then provided additional comments which went unanswered by CFPB.

These additional comments : [ Bank of America did not adequately address all of my issues. On XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX reached out to me by email. I responded back by email on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. As I did not hear back, my last message on XX/XX/XXXX stated : " XXXX XXXX, Are you still handling my inquiry? I still have not received any response in regards to ATM Footage and obtaining my bank account statements. I have not received any explanation on what happened to my account. Please respond by email. Thanks Respectfully, XXXX XXXX XXXX '' I also emailed Bank of America at their corporate address multiple times and received no response. I also emailed XXXX and XXXX XXXX the detectives and BOA Corporate on that communication. In the meantime I have been working with the courts and detectives trying to seek justice for the fraud and illegal use of my credit card and/or information without my permission. The detectives still have not received ATM footage from Bank of America. This is very concerning because I spent numerous hours compiling information and evidence for detectives to pursue a case against the suspect that Bank of America " claimed '' I gave consent to use my account. I compiled this evidence after being hospitalized and undergoing a period of recovery. In this duration I still have not recovered from losses that this individual perpetrated within my account. In addition, Bank of America also contributed to this by taking in additional XXXX dollars from my account. Money that I put in to my account to pay bills. It is several months later and still no response. I am very dissatisfied that this case was closed without Bank of America providing information on how I was contacted in regards to this or why wasn't measures satisfied with the police in regards to holding the person accountable for their illegal actions. ] Since the last time I have contacted CFPB I have not been made whole and have endured numerous setbacks from the fraud that Bank of America did not reimburse. In addition, I have endured other indirect results from the fraud/fees that went unreimbursed. This includes Bank of America incorrectly charging me in excess ( outside of the fraud, which I still have documentation of and never compensating me ), late fees and other fees from billing companies due to the lack of compensation on Bank of America 's part. 

I was told that a check was sent out to me. I never received a check. 

May someone please help me with this? I have been trying to get my life back on track while attempting to XXXX the harm caused in the aftermath of the fraud.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX has the account listed as unpaid with a balance of XXXX but it is paid XXXXXXXX XXXX XXXX XXXX is a fraudulent account that I have no knowledge of XXXX XXXX XXXX XXXXXXXX is a fraudulent account that I did not authorize and it is unverifiable XXXX XXXX is also a fraudulent account please delete as such