23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I am not able to receive my free annual credit report from Equifax through XXXX as required by the FCRA. On XXXX I was unable to get my free credit report from Equifax and was asked to send request and copy of SS card, drivers license, ect by mail to get the report. I had no problem with XXXX or XXXX. Again on XXXX I was unable to get my free credit report from Equifax and was asked to send request and personal info by mail. I had no problem with XXXX or XXXX.
Product: Checking or savings account

On or about XX/XX/2021, I went to Bank of America in XXXX ( XXXX XXXX XXXX, XXXX, VA XXXX ). I wanted to withdraw funds from my account, around XXXX dollars. I was met by a teller, XXXX XXXX, who refused to let me access my funds after multiple attempts to try to show her my id and secondary ids. She discriminated against me based on my skin color ( XXXX ). XXXX asked me for my debit card, I said I don't have have it. She suspiciously in a negative tone said, " where is your debit card? Why don't you have it? '' I told her I don't carry it with me, but I can show her my ID. She said, okay. I showed her my ID, then she said to go get my phone to get a verification code. I went ahead and got my phone and she said, she still could not give me money because my ID was " not verified. '' I told her I have given her proof of my id and my account ownership and she should give me my funds, she said no, I had to sit and wait to have my ID verified. I had never had this experience at any other branch. I gave her all forms of ID she requested, yet she still refused to let me access my account. I spoke to the managers at the branch and they treated me like a criminal. This was clearly discriminatory behavior by a white teller ( XXXX ) and I was humiliated out of the bank. I filed a complaint with Bank of America with the complaint number XXXX, and I have yet to hear from them.
Product: Credit reporting, credit repair services, 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 XXXXXXXX 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: Student loan

On Monday, XX/XX/XXXX, Earnest/XXXX, my private student loan company, harassed all of my family members to include my parents, my husband, my husband 's parents, my brother, my brother-in-law, and my sister-in-law to try to get in touch with me relating to MY student loan. The only person listed on the student loan is myself. Not once I have a received a call from Earnest or XXXX. The only form of communication I received, was an email and a letter in the mail asking me to call them to settle my account. I am having difficulty making my payments and their lack of support to work with me to pay the amount I can afford is unbelievable. I also do not understand or appreciate this company contacting and harassing my family to get into touch with me. Meanwhile, I do not have a single phone call or voicemail from either Earnest or XXXX to discuss my student loans. This is completely unprofessional. A situation that is meant to be private and handled by the person listed on the account is the only person that both Earnest and XXXX should be communicating with. I would not recommend this company to anyone.
Product: Debt collection

I received a phone call about the debt in question, never received a letter so I decided to send a debt validation letter on XX/XX/XXXX asking for : copy of the original contract signed by me, amount of the alleged debt, including any interest and fees, account statement from open to close and a breakdown of how the total amount claimed is calculated, proof that they are authorized to collect this debt, copy of their bond that shows they are legally registered in Connecticut and any relevant contracts or agreements that demonstrate my obligation to pay this debt to them. I received a response in XXXX dated XX/XX/XXXX, it was the lease signed by me, a paper with XXXX 's information and what seems like a summary of the amount and nothing else. In my letter I was clear that they must not report it unless they can provide me with all the information that validates this alleged debt but they still went ahead and report it, damaging my credit score. I believe they are at fault and knowing they can not provide all the information they must by law, are now trying to affect my score. I can not upload the lease because it is too long. Please help me remove this from my credit report.
Product: Credit reporting

Contact Transunion about a glitch that they had in XXXX they deleted my collection and inquiries and then 2 days later they were reinserted without proper notification representative was fully aware of glitch they had back n XXXX he replied that they had an issue with XXXX but it is fixed right now that my credit score was not hurt with this issue and I told the representative that I do n't have XXXX I have XXXX which is a company that I pay {$15.00} dollars a month that monitors my XXXX credit bureaus along with the fico score and that I called them first to see what went wrong why they put the collection and inquiries back and they told me that there is nothing wrong with their website that they only report what XXXX, TRANSUNION AND XXXX report to them and that my score, collection and inquiries remained the same for XXXX and XXXX that the only issue was with Transunion and XXXX is from XXXX so that 's why I called Transunion and the representative did not wanted to help me he told me that he could n't help me about it that everything is back to normal I explained to customer care that they did not follow the proper procedures sending notifications in writing to customers about this issue that I was demanding for the items to be delete due to not receiving any notification from Transunion customer care replied sorry but he could n't do anything that it is not a Transunion issue. 
The following are the inquiries that were deleted XXXX XXXX,,, ,XXXX XXXX,,, XXXX XXXX,,, XXXX XXXX, ,XXXX XXXX, ,XXXX XXXX, ,XXXX XXXX, ,XXXX XXXX, ,XXXX XXXX, ,XXXX XXXX,,, XXXX XXXX, ,XXXX/XXXX XXXX, ,XXXX XXXX, ,XXXX XXXX, ,XXXX XXXX, ,XXXX XXXX, ,XXXX XXXX, ,XXXX XXXX, ,XXXX XXXX, ,XXXX XXXX, ,XXXX XXXX , ,XXXX/XXXX XXXX, ,XXXX XXXX, ,XXXX/XXXX XXXX, ,XXXX/XXXX XXXX, ,XXXX XXXX, ,XXXX/XXXX XXXX, XXXX XXXX, ,XXXX XXXX, ,XXXX XXXX, ,XXXX/XXXX XXXX, ,XXXX XXXX,,, XXXX XXXX,,, XXXX XXXX, ,XXXX XXXX, ,XXXX/XXXX XXXX, ,XXXX XXXX, ,XXXX/XXXX/XXXX XXXX, ,XXXX XXXX, ,XXXX XXXX, ,XXXX/XXXX XXXX ... 
XXXX Account # XXXX Account Type Collection services Balance {$270.00}
Product: Credit reporting or other personal consumer reports

I had XXXX loans from XXXX XXXX XXXX Nelnet that were transferred to XXXX. When they were transferred they were both marked as paid and outstanding balance of XXXX. 

XXXX loan was for {$51000.00}, paid in full on XX/XX/year>. 
Second loan was for {$6200.00}, paid in full on XX/XX/year>. 

Both accounts should have been reported to all credit bureaus as paid in full as reflected in the correspondence to me from XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is my multiple attempts to inform you that I am a victim of identity theft and that I wish to dispute some records in my file that were obtained illegally. The documents I'm looking at don't have anything to do with me or my authority acquiring ownership of any goods, services, or money. Block the notoriety of any material in my credit report that resulted from a claimed scam or extortion, assuming no one cared either way. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I am FILLING THIS COMPLAINT because the following inaccurate imprecise information in my credit report. The items are listed below : XXXX XXXX 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 card or prepaid card

I was shocked when I reviewed my credit report and found late payment on the dates below : 150 days past due as of XXXX XXXX 120 days past due as of XXXX XXXX 90 days past due as of XXXX XXXX 60 days past due as of XXXX XXXX, XXXX XXXX 30 days past due as of XXXX XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Dear Equifax you are in Violation of Fair Credit Repair Act ( FCRA ) Remove the following account from this credit report immediately and I do not authorize any of these items to be reported once removed. 

1. XXXX XXXX Bank ( Remove this account due to inaccuracies with account type ) -This account status is being reported fraudulently. 
The original creditor has confirmed this account is in good stand and the status of this account is OPEN not closed. 

Please present methods of verification of this account directly with the original creditor. Please provide evidence of validity of the errors being reported. 


A complaint has been filed with the Attorney Generals Office of XXXX XXXX
Product: Vehicle loan or lease

I am still locked out of my account through Ally Auto I have been locked out since XX/XX/2023. The company is allowing another person to utilize all of my account information and my email address my account contains my personal information which I was the one who set it up with my credentials. The company refuses to correct this issue.
Product: Credit card

Dear Sir or Madame, In late XXXX of 2016, I mailed a check for {$10000.00} to Chase Card Services ( " Chase '' ) for the balance due on a Visa credit card ( account number XXXX ). On XXXX XXXX, 2016, after confirming with Chase via telephone that they never received that check, and fearing it must have been lost in the mail, I authorised a one-time electronic payment from my credit union to Chase for {$10000.00} ( the then current balance on the account ). The electronic payment was made, and, later that same day ( XXXX XXXX, 2016 ) the check for {$10000.00} was cashed by Chase. I have since contacted them via telephone to request return of the large positive balance in the account, and I was told via telephone they would not do so. On XXXX XXXX, 2016, I sent them a formal letter again demanding return of the outstanding funds, along with a reckoning of the account and its closure. I also advised that if I did not receive a response by XXXX XXXX I would pursue legal action. I have received no response to this letter. I would appreciate any assistance you might provide. I have sent a copy of this correspondence to California 's attorney general ; that complaint, along with this correspondence to you, are the only action I have taken besides my attempts to resolve the matter directly with Chase. I am also seeking to initiate a civil action against them ( I would prefer not to, but I see no other option. ) Thank you in advance for your time and for any assistance you can provide.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute letter on XX/XX/XXXX through Certified Mail to XXXX requesting a reinvestigation and the Method of Verification for an account on my credit profile through XXXX. Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the original creditor, they must remove said information from the consumer credit file. I have attached copies of the letter from the US Bankruptcy Court stating they dont report to the credit bureaus. I have also attached a copy of my letter from XXXX saying my credit profile is frozen. How is the credit bureau verifying this alleged public record when the third party provider is frozen? Per the Federal Law, you have exactly 30 days to complete the investigation as outlined per the Fair Credit Reporting Act 623 ( a ) ( 3 ). Equifax has been non-compliant and didnt complete the dispute in 30 days. I further remind Equifax, as in XXXX v. XXXX XXXX, No. XXXX ( C.D. Cal. XXXX, XXXX ), you may be liable for your willful non- compliance. The account in question needs to be removed immediately for violations against the Fair Credit Reporting Act, no validation in the 30 day time period, no validation with the third party provider of the data. XXXX cant verify this account and the Bankruptcy court cant verify Bankruptcies due to privacy laws. The public record is non compliant, inaccurate, and unverifiable.
Product: Prepaid card

On Saturday XXXX I made a purchase with my cash app card to XXXX for {$230.00} for my sons XXXX present. When I made the purchase I made a mistake entering my billing address, resulting in XXXX canceling the order and reversing the pending authorization hold for {$230.00}. Now cash app has a hold on my money and wont release it. This has caused me a to be unable to buy my kids XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX, XXXX, TN, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, TN, XXXX, XXXX XXXX XXXX Balance Owed : {$510.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Balance Owed : {$0.00}, XXXX XXXX XXXX  XXXX Balance Owed : {$8100.00}, XXXX XXXX XXXX Balance Owed : {$3100.00}, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX , XXXX XX/XX/XXXX, XXXX XXXX , XXXX XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent account has be opened. I am a victim of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Experian and XXXX are failing to provide me with copies of all documentation associated with these Public Record Accounts bearing either a court order to place this information in my credit report, or my authorization of release bearing my signature and also method of verification, who at the court ( persons name ) they verified the dispute with, the address, and telephone number.

I have advised all 3 credit bureaus Per the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), they are required by federal law to verify through physical verification of the original signed consumer contract and/or judgment ( s ) all accounts and public information that you post on anyones credit report. Otherwise, anyone paying for your reporting services could fax, mail, email in fraudulent and erroneous account information.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX credit bureaus was dated but XX/XX/year> I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved 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
Product: Credit card

Ive had this card for several years and have always paid on time. Unfortunately this time I made one late payment and paid the balance in full. Usually most credit card companies don't charge interest on the first time you pay late. They provide a grace period. Apparently this company charges you interest right away which they failed to disclose when i first called to inqure on why they kept charging me. All I was told was it's my responsibility and I have to pay it. I didn't pay anything because I had already paid the full balance. They didn't tell me it was interest accruing until they let it accrue to {$100.00}. They refused to bring it down to what it was originally when they first failed to notify me i owed interest on my purchase because I made the payment late. They wanted me to pay the full amount which I can not do. I don't find it ethical to be charged so much and not to mention the damage they have done to my credit score all because they refused to disclose why they were charging me in the first place.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please reverse the late payments reported on the following accounts : XXXX/XXXX   XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX  XXXX ; account was never past due, i never made a late payment to this company ever please change this, i have a good relationship with these companies.
Product: Mortgage

I'm dealing with a mortgage company called XXXX who is serviced by loancare. 
I had severe damage during the winter storm in texas that was a national disaster and have been going back and forth with them for months. I now have my property repaired to 85 % but I still have no kitchen counters or cabinets. They will not release any portion of the final check for {$5700.00} and and are holding back at least {$1000.00} from another check. 
I need at least {$5000.00} for my XXXX to finish the work. 
So now I have to pay out of pocket.
Product: Mortgage

XXXX XX/XX/year> my wife and I closed on a new home with Lennar Mortgage. We were informed that we were due a refund due to overpaid down payment of {$1200.00}.

We tried several times to recover our funds.

Lennar has since sold our mortgage. We get no responses.

Please help
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT, EXPERIAN HAS VIOLATED MY RIGHTS : 1. ) 15 USC 1681 SECTION 602 STATES I HAVE THE RIGHT TO PRIVACY.

2. ) 15 USC 1681 SECTION 604 A SECTION 2 : STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

3. ) 15 USC 1666B : STATES A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN END CONSUMER CREDIT PLAN AS LATE FOR PURPOSE.

AS YOU CAN SEE IN YOUR SYSTEM, AND EXPERIAN CAN SEE IN THEIR SYSTEM, NO ONE VERIFIED THE ACCURACY OF THIS INFORMATION. 

IT HAS BEEN 14 MONTHS AND EXPERIAN HAS NOT VERIFIED OR SUBMITTED ANY SUPPORTING DOCUMENTS.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good afternoon, I am writing to you guys due to some Inquiries that are fraud and reporting on my credit report. I never authorized any of these companies to run my report. When I called them they didnt have any solutions for me and could not find my information anywhere so why are the credit bureaus reporting these items? Please have them investigate them and delete them from my credit report. I also filed identitytheft/fraud because I did not give them authorization to run my credit you can see them found attached. Please have these removed asap I tried contacting them and sending letters and nothing was solved.