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

I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). 
After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry XXXX XXXX  Automobile Dealers, New XX/XX/XXXX Equifax XXXX XXXX XXXX Auto Financing XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX, New XX/XX/XXXX Equifax XXXX XXXX XXXX Auto Financing XX/XX/XXXX Equifax XXXX XXXX Automobile Dealers, New XX/XX/XXXX Equifax XXXX XXXX XXXX Automobile Dealers, New XX/XX/XXXX Equifax XXXX XXXXXXXX XXXX Auto Financing XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX Equifax
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is being illegally reported on my credit report. On XX/XX/18 and XX/XX/18, I formally disputed it directly with Transunion in regards to their illegal reporting, and their response was, Updated- To follow up directly with the company On XX/XX/18, not only did I reach out the company yet again with a letter in getting this issue resolved, I sent along an affidavit/police report but I have not received any satisfactory reply. Therefore, I am now formally disputing directly with you in getting this fraudulent account remove immediately, please!
Product: Credit reporting or other personal consumer reports

I am formally disputing the information associated with my accounts. Upon reviewing my credit report, I have identified discrepancies that require immediate attention. It appears that there are inaccuracies concerning the status of my accounts, particularly regarding file merging and the characterization of my payment history. I kindly request that you update my account information to accurately reflect that the accounts have never been delinquent and are closed with a positive payment history. I have called the bank and they agreed to update their records and remove the late payments from the accounts. Recognizing the importance of maintaining accurate credit information, I trust that you will promptly take the necessary steps to address this matter. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  # 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.
Product: Checking or savings account

I reached out to chime regarding the issue, they had absolutely no reason to close my account, when I called to inquire about why or what had happened there was no answer they could give me, I was told that someone would reach out to me within 24 hours and they never did, I need this issue fixed in a quick & timely manner as Ive done everything on my end, a fair resolution is getting my account reopened because it was wrongly shut down without any explanation and Ive only used my account for receiving money through my job.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've dealing with this Identity Theft issue for a while now and I have tried reaching to the credit bureaus and creditors but I cant seem to get any real help to help me resolve this situation and as a result I've develop a lot of health and emotional issues which includes XXXX, XXXX which all resulted in me losing my job and my family. 

Name, Addresses, Inquiry and phone # do not belong to me XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX ( these names are not mine ) XXXX spring XXXX XXXX XXXX Ga XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX Ga XXXX The items listed below are fraudulent and need help getting taken off my report. 
XXXX XXXX XXXX- {$330.00} ( XXXX & XXXX ) XXXX  XXXX XXXX {$4500.00} XXXX XXXX- {$2100.00} XXXX XXXX- {$9100.00} XXXX/XXXX XXXX XXXX- {$5200.00} XXXX XXXX XXXX XXXX- $ XXXX {$5800.00} XXXX XXXX XXXX XXXX- {$11000.00} Money XXXX- {$44.00} XXXX XXXX XXXX- {$21000.00} XXXX/XXXX- {$24000.00} XXXX XXXX XXXX- {$11000.00} XXXX XXXX XXXX XXXX- {$26000.00} XXXX XXXX- {$720.00} XXXX XXXX XXXX- {$2000.00} Inquiry-XXXX XXXX  XX/XX/21
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information XXXX adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.
Product: Credit reporting or other personal consumer reports

The company CCB/OverstkXXXX closed this account and made it a charge off account. Then they started back charging me and continue to report on my account making my credit go down. They are reporting it as past due/negative marks. This is incorrect as this account was closed. I have disputed with the company along with all 3 credit bureaus, but they continue to say it is accurate and it is not.
Product: Debt collection

The company called my work number on XX/XX/30, then my personal phone. I asked them to remove my work number and was assured it was done. Today I received another call on my work line and then my personal phone. I called back and asked again to remove my work number. The man refused to acknowledge that he would remove my work number and insisted on discussing a debt he said I owed. I explained he could send me something in writing to review and he continued to push to discuss the matter immediately. I asked again to have my work number removed and advised I'm not discussing the matter over the phone any further since I was unaware of what he was talking about.
Product: Vehicle loan or lease

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. 
I, XXXX XXXX consumer, natural person, and original creditor of an open-end credit plan, was denied my right of credit by BANK OF AMERICA NATIONAL ASSOCIATION COMPANY d/b/a BANK OF AMERICA . I was notified of this transgression of my rights, specifically 15 USC 1601- The Truth in Lending Act, by BANK OF AMERICA NATIONAL ASSOCIATION COMPANY d/b/a BANK OF AMERICA on XX/XX/XXXX via U.S. mail. According to 15 USC 1602 definitions of The Truth in Lending Act, I as a natural person possessing an open-end credit plan was harmed by BANK OF AMERICA NATIONAL ASSOCIATION COMPANY d/b/a/ BANK OF AMERICA adverse action taken against me denying my rights, of which the civil damages pursuant to 15 USC 1640 ( a ) ( 2 ) ( A ) ( iii ) are up to { {$5000.00} }. BANK OF AMERICA NATIONAL ASSOCIATION COMPANY d/b/a BANK OF AMERICA is now civilly liable to pay me for the damages caused.
Product: Credit reporting, credit repair services, or other personal consumer reports

I made my XX/XX/2021 payment on the day that all of my loan payments have been due which is on the XXXX of the month. Ally financial reported this payment as 30 days late. I spoke with a customer service representative on the phone who confirmed that I made the payment on the correct day it was due but because the month of XXXX had 31 days in it I should have made the payment earlier instead of the day that it was due on. The customer service representative was extremely unprofessional on the phone. When I asked to speak with a manager I was told that the manager would tell me the exact same information and that I would be on hold for 35 minutes ; before I could even respond I was placed on hold only to be transferred to the incorrect department.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I assessed my credit report via Identity IQ on XX/XX/22, it was noted that according to Experian, XXXX, and XXXX, the United States Bankruptcy Court Eastern District of Virginia reported bankruptcy. I mailed a letter to the Bankruptcy Court to validate the account. It was verified by the Bankruptcy Court in a document dated XX/XX/22 that " The Bankruptcy Court does not furnish any information to the credit bureaus, as we do not have any jurisdiction over credit reports. Each credit reporting agency conducts their own research and report their findings. If there are any discrepancies showing on your report, you will need to contact that credit reporting agency and discuss the matter with them, as it will be up to that agency to update their records and to remove any information, if need be, from your report ''.
Product: Debt collection

I am reporting Capital Accounts Account No. XXXX for violations of the Fair Debt Collection Practices Act. I am enclosing the letter sent to me by Capital Accounts which shows a misleading collection amount and unfairly adding interest on a debt that the original debtor XXXX did not require. I have also received phone calls in which the representative verbally insulted and belittled me when I questioned the validity of this collection. I have blocked many of the phone numbers Capital Accounts uses to call due to the condescending attitude they have with me when I talk to them. I am enclosing a copy of the Fair Debt Collection Practices Act with highlighted sections which express my concerns with this company. 

Capital Accounts is misrepresenting the amount owed to XXXX by me from the year XX/XX/2012. XXXX did not charge interest fees on any services rendered to me. The paper work sent to me by Capital Accounts which shows the misrepresent the amount of {$670.00} I owed to XXXX. On page XXXX and XXXX it shows {$540.00} as the original amount owed to XXXX. XXXX did not charge an interest or late fee to the original debt as seen in this summary.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX  XXXX XXXX was never late XXXX I have had exceptional payment history with XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX  XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in months that are reported late to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX  XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX might have overseas accounts in my name or individual accounts in my name or in the name of XXXX XXXX an individual who has been caught for phishing before and XXXX XXXX XXXX internet as my neighbor at one point. He might have misused info of mine for his own banking use.
Product: Credit reporting or other personal consumer reports

This is not the first time we have reached out about these accounts. 

I Noticed 2 errors, one was an account for XXXX, and the other was an Account for XXXX  XXXX on my credit report, and I knew they were not mine, so I called the FTC and filed an Identity Theft Complaint, and received a report.
Product: Checking or savings account

My wife and I were in business partnership that went sour do to another partner misusing funds we blocked them from using account last year. They were able to go to account even though they were blocked and took {$3900.00}. I was advised by Wells Fargo there was nothing they could do about it and I needed to close account and open new account with only my wife 's and my name only on the account and this problem would never occur again. We did that last year. Yesterday on XX/XX/2019. I saw the account which had {$3100.00} was empty. I found out that Wells Fargo authorized XXXX XXXX to put her name on the account without authorization from us and steal the money. They justified by saying she was a business partner on business that was closed and no longer in operation even though original business account had been closed. We want our money back as she was allowed to steal from us without as much as a phone call to us. We also want an explanation as to how they can act as lawyers on her behalf and not protect the account holder. I want Wells Fargo to proceed with fraud charges against her and she be put in jail.
Product: Mortgage

No Single Point of Contact It has been almost two weeks since I found out that Bank of America had set a foreclosure date on my home. 
In XXXX of XXXX XXXX XXXX XXXX filed complaints on my behalf with the CFPB. 
- During the complaint process Bank of America 's attorney XXXX XXXX, began negotiating a settlement with me. Please see attachments. 
- The CFPB complaints concluded and BOA pulled XXXX XXXX off of my case right in the middle of our settlement negotiations. 
- Very shortly thereafter I found out BOA had put a foreclosure sale date on my home. 
- Since finding out about the sale date my attorney and I have been trying to reach a Single Point of Contact at Bank of America as required by the New Federal Mortgage Servicing Rules. Bank of America has only provided misleading promises of fixing the situation. None of which have been followed thru on. 
- My attorney has been trying to reach Bank of America since XXXX XXXX, XXXX only to be directed to a XXXX XXXX XXXX 's voice mail which does not have call forwarding features. It also does not contain any other contact information. IT IS A DEAD END. 
- I took over calling this week and have experienced the exact same results. 
- Eventually a couple of days ago I found an old phone number that takes me to another department that claims to have no information about my current situation. 
o Some of the representatives at this other number have been able to transfer me to the Case Management Department to speak to another representative. 
o In the conversations with the Case Management Department representatives I have been promised by a supervisor on XXXX occasion and BOA representatives on other occasions, that the phone issue would be resolve immediately. These promises started Monday XXXX XXXX, XXXX and my calls still go to XXXX XXXX answering service today Friday, XXXX XXXX, XXXX. 
- This is now into the second week that I have been unable to reach a Single Point of Contact at Bank of America or any other representative for more than a onetime call. 
o I was told again this morning by a Bank of America representative that XXXX XXXX was my CRM and would be getting in touch with me, then I was transferred to his answering machine " again '' after I explained to her that he has been left messages daily. 
o I have now lost extremely valuable time to defend my home against their Foreclosure date of XXXX XXXX, XXXX and my attorney has been unable to speak to any representative at BOA who can act as a single point of contact or provide any " real time '' information concerning my home. THIS IS AN ILLIGAL FORECLOSURE FROM COUNTRYWIDE MISDEEDS. Bank of America 's failure to provide me with a single point of contact is just another way for them keep me from defending my home. 
My desired resolution would be : XXXX Bank of America has failed to provide a Single Point of Contact, to have the foreclosure date stopped immediately and to have XXXX XXXX, Bank of America 's attorney assigned back to my case to continue the settlement negotiation talks/process with my attorney XXXX XXXX who already has approval to speak on my behalf by myself and BOA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A FEDERALLY PROTECTED CONSUMER. And in light of the recent investigations brought upon EQUIFAX. I find my consumer file is irresponsibly tampered with. Ever since the first EQUIFAX BREACH XXXX.I have made several attempt to remind EQUIFAX of there DUTY PURSUANT OF 15 USC 1681. It appears EQUIFAX is intentionally and willfully being neglectful in remedying my affairs. 15 USC1681E ( B ) assures that I am due promised accuracy in my report based on FEDERAL LAW. This is another attempt by going thru the CFPB to have errors corrected on my consumer report 15 USC 1681i ( A5 ) SAYS that after all reinvestigations all the unverified information be removed. You can see in your system that these accounts I list below that were previously disputed without being thoroughly investigated thus I know that it cant be verified or validated ''. EQUIFAX DELETE THESE ACCOUNTS XXXX ACCT #, XXXX XXXX ACCT # XXXX, XXXX XXXX ACCT # XXXX, XXXX XXXX ACCT # XXXX, XXXX ACCT # XXXX, XXXX ACCT # XXXX, XXXX ACCT # XXXX, XXXX ACCT # XXXX, XXXX XXXXXXXXXXXX XXXX  # XXXX, XXXX XXXX XXXX  ACCT # XXXX XXXX XXXX XXXX ACCT # XXXX.
Product: Credit card

On XX/XX/2024, I received a statement from Capital One regarding my XXXX XX/XX/XXXXcredit card. I had a balance of {$750.00}. I paid {$730.00} towards that balance before the due date of XX/XX/2024. The bottom of my statement says that if I fail to pay my balance in full, I will be charged interest on the unpaid balance, which was {$22.00}. Instead, I was charged {$20.00} interest of the full statement balance of {$750.00} instead of the {$22.00} that remained. I would like this investigated thoroughly and to have the interest recalculated. I should not be paying {$20.00} on a remaining balance of {$22.00}. I have attached the statement from that time period, along with the payment history.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 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. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

Please see attached file for these items I am complaining.. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Product: Credit card

On XX/XX/year>, I was pressured to sign up with a TJMaxx credit card that I knew I didn't really want. The cashier kept insisting that I sign up for it. I asked if it was a soft pull or hard pull on my credit. She said it would be a SOFT pull. Again, I wasn't interested at all in applying for this credit card, especially since I was working on repairing my credit in the first place. This shouldn't be on my credit as a hard pull. It was a misleading attempt to get me to sign up for the cashier 's personal benefit in the first place. I don't appreciate being deceived and being lied to for something I was not interested with in the start.
Product: Debt collection

To Portfolio Recovery Associates , LLC Follow up to your response dated XX/XX/XXXX I never open an account with XXXX, therefore I dont own any debt, to XXXX XXXX XXXX or to you Portfolio Recovery Associates , LLC XXXX On your response dated XX/XX/XXXX You Claim Because we purchased the account and contract XXXX XXXX XXXX had with XXXX Why have you not produce an Original contract copy with signature, that you claim you have Via Consumer Financial Protection Bureau on timely manner. 
Once again I never had any business relation with XXXX or XXXX. 
I have nothing to do with your office as well. 
There is not validation of account, ending in XXXX, with your office and you are nobody to validate an account for the reason that records of account ending in XXXX not mines. 
In return your office continues molesting me and affecting me by all means possible Send me a cancellation letter for account ending in XXXX at the receipt of this notice and send me the cancellation letter via Consumer Financial Protection Bureau Im forced me to file a Police Report Copy of your response dated XX/XX/XXXX XXXX XXXX Company 's Response Portfolio Recovery Associates , LLC ( PRA ) investigated your complaint, reviewed our records, verified the PRA account ending in XXXX, and confirmed that we provided you with validation which resolved your dispute. PRA is a " Debt Buyer '' ; PRA purchases delinquent debt from creditors to whom such debt is owed and seeks to collect such debt from debtors who owe such debt. Business records provided to us by XXXX XXXX XXXX XXXX ( XXXX ) reflect that on or about XX/XX/XXXX, XXXX opened a XXXX credit card account ending in XXXX for XXXX XXXX XXXX whose social security number ends in XXXX. Those records further reflect that a contract to pay for the use of the account was formed when XXXX offered the credit card and the credit card account was used. A balance of {$9900.00} was due on the account when we purchased that account and its contract from XXXX on or about XX/XX/XXXX, together with the right to receive payment of the balance due. PRA sent its initial notification letter regarding this account to you on or about XX/XX/XXXX. We take compliance with all applicable state and federal laws very seriously. Because we purchased the account and contract XXXX XXXX XXXX had with XXXX to pay the balance due, no other contract or signed document bearing my signature between XXXX XXXX XXXX and PRA is required to validate the account. We have no record of a request or a dispute being received in relation to our initial notification letter. We subsequently received and investigated several disputes regarding the account. In response to the disputes, PRA sent you letters containing validating documentation from the original account. We believe that the validation provided resolved the disputes and that no further steps in response to your complaint or follow-up actions are required at this time