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

Amex closed my acccount unfairly, they have discriminated.
Product: Credit reporting or other personal consumer reports

A closed XXXX  XXXX XXXX XXXXXXXX XXXX. Account opened XX/XX/year>. Account charged off. {$1000.00} written off. {$130.00} past due as of XX/XX/year>. I requested them to provide account details, valid ID, and specify the needed documents ( statements, closure confirmation, transaction history ). On the credit report its says the bank never received the first payment. I contacted the bank directly with the state for unclaimed funds for the credit card account was escheated. The bank never received the first payment. I XXXX XXXX didn't open this account credit card account and was not aware of it being open until receiving credit report.
Product: Debt collection

IQ DATA INTERNATIONAL IN and XXXX XXXX is reporting negatively on my credit report even though the account was charged off and written off on the companies taxes.
Product: Credit reporting, credit repair services, or other personal consumer reports

This Fedloan account is reporting LATE PAYMENTS AFTER THE ACCOUNT CLOSED XX/XX/XXXX. It is ONLY reporting on XXXX This account was closed due to transfer XX/XX/XXXX. I have late payments from XX/XX/XXXX-XX/XX/XXXX. Then showing current payments from XX/XX/XXXX-XX/XX/XXXX. THIS ACCOUNT WAS CLOSED. I have several credit reports showing the closure date and late payments/payments, along with a letter from Fedloan that they closed it and no payments after XX/XX/XXXX. I will be attaching all of that. Fedloan and XX/XX/XXXX are no help. Every time I dispute, they add more stuff after the date of closure!
Product: Debt collection

My husband and I filed chapter XXXX bankruptcy in XX/XX/XXXX. The bankruptcy was discharged in XX/XX/XXXX. Our Home was included in the bankruptcy. The home was mortgaged through Wells Fargo. I have previously filed complaints against Wells Fargo for their continued correspondence regarding payment of mortgage, insurance coverage and real estate taxes. I currently have an active complaint against Wells Fargo - XXXX-XXXX. 
On XX/XX/XXXX, we received a packet of information from XXXX XXXX XXXX XXXX regarding our unpaid mortgage. Speaking with these individuals is like speaking to wall. 
I am frustrated beyond belief. These financial institutions are the most corrupt people I have ever encountered. 
I wish to pursue any and all avenues of recourse available to me. 
thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX 's acct # XXXX date:XX/XX/XXXX XXXX XXXX acct # XXXX date:XX/XX/XXXX XXXX XXXX XXXX acct # XXXX date:XX/XX/XXXX I have disputed these acct 's to the credit bureau 's informing them again & again that I have not ever had theses accounts.
Product: Mortgage

In XXXX, Bank of America negligently failed to remove previous liens that were paid off by more recent mortgages. I tried for 2 to 3 months to get the bank to cooperate with getting the old liens removed because I was awarded a XXXX program award of {$50000.00} to bring my mortgage current but they notified me that supposedly I had 3 liens against my property at that time and I had to get it remedied before they would give me final approval. I had to accomplish that before 2 months. Bank of America would not respond to me. I finally got through to them by utilizing the new loan line and convincing personnel to transfer me continuously until I reached the right person who started to help me get the previous liens removed. By the time it was accomplished it was too late and due to their negligence and direct inhibiting me from accomplishing it in a timely fashion I lost the {$50000.00} XXXX award. Then I was guided into a different process by Bank of America which was significantly detrimental in its financial effects compared to the XXXX program that I was awarded and then lost due to Bank of America 's negligence. Since the inception of that modification plan I have made really no financial progress after making payments on time and consistently from XXXX to XXXX. After the bank lawsuits and the Colorado Attorney General received money to these matters which involved direct wrongdoing also with Bank of America such as them stopping me making payments for 13 months while being unable to speak as to why, the Attorney General merely responded to me saying they were too busy to help me. With the evidence that I provided them at the time they would have likely resolved the matter quickly and likely for the bank 's actions against me would have resulted in the bank turning over the deed of trust and canceling the mortgage. This statement is made supported by other actual cases that were on point with the circumstances that I was dealing with Bank of America at that time. Still the Attorney General of Colorado was too busy to help me. The FHA saw the issue with the liens on record that were errant on record and even told me that it was clear the old ones should not be there because they could see the more recent mortgage finance that would have automatically paid off the previous debt and released the lien. The bank has to put in for the release of lien however. The FHA rep told me with this so clear they should have honored the XXXX program whether they were cleared before or after the two month period. There are several more facts that play into this situation which demonstrate and establish fraud and wrongdoing. This is the initial point of entry with a very specific identifiable damages and outcomes due to the negligent actions by Bank of America which is provable as a matter of the records by XXXX, FHA, Colorado Attorney General, Bank of American and now XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX, XXXX 2024 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear Sir or Madam : I am writing to dispute the following information in on Equifax XXXX XXXX credit file. In Accordance to 15 USC 1681b a ( 2 ), I did not give written consent to have this account placed on my report by this agency. Please remove this accounts immediately, as my rights are being violated. 

Please update me, when this item is removed as soon as possible. 

Accounts and XXXX violating my rights that I wanted removed. 


Account : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX USA Sincerely, XXXX XXXX Enclosures : Im enclosing my Drivers license, social security card and a current utility bill to verify my identity and address.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, I wrote to TransUnion LLC Consumer Dispute Center. I demanded, according to Section 609 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act demanded, verifiable proof ( an original consumer contract with my signature, Pay-off Discloser, Interest Rate Discloser, Balance History, Payment History, and Credit Insurance ) that you have on file for the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I also sent proof of my Driver 's License with my current address showing that I was indeed sending this letter. I received a letter stating I did not give proper authorization for a third party or XXXX XXXX to work on my behalf, which I believed to be a stall tactic, so I'm now filing this complaint.
Product: Bank account or service

I attempted to use an ATM at the branch located on XXXX XXXX XXXX. in XXXX, AL. The ATM had an error message which stated that there were n't any transactions available. I returned to the branch and requested that the bank cash a check. They refused to do so an indicated that it was a transaction which they were refusing to all consumers and that they would n't allow anyone to take cash but only make deposits. I asked how long the policy would remain in effect and she indicated that it was as a result of computer issues.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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 : Account name : XXXX Account number : XXXX Account name : XXXXXXXX XXXXXXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Inquiries : XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>XXXX XXXX XXXX XXXX XX/XX/year> These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and remove them immediately in my report 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 not able to view my credit information. They have the wrong name on my credit file as XXXX XXXX XXXX. I keep getting error code XXXX. I have provided them with my driver 's license and ss card in the past, but they will not update my credit file nor will they allow me access to view my credit score. I have also mailed in my documentation proving my identity and still I don't have access to my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX XXXX entered a consumer credit transaction with Capital One Bank on XX/XX/2017, due to this being a consumer credit transaction a finance charge was involved, XXXX XXXX XXXX XXXX the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges. So there shouldn't be any late payments due this being a finance charge because it was the SUM OF ALL CHARGES paid indirectly by my credit card.
Product: Credit card

Synchrony bank approved me originally for XXXX dollars to use towards the purchasing of furniture at XXXX XXXX XXXX XXXX. I have a good credit score and my payments were always on time. I kept my account in good standing and never asked for any changes that would affect the account. Several times in XXXX and XXXX of XXXX they lowered my available credit due to high utilization primarily even though that is hypocritical and took away the utilization I had built up with that card. It had a negative impact on me as it hurt/prevented my credit score from building up. I did not ask them to run checks on my credit report and have always stayed consistent. Culminating in them closing my account without preemptively calling or obtaining my permission on XX/XX/XXXX. I don't think it is fair for a lender to treat a person that way especially after giving them business and interest.
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$23.00} XXXX XXXX XXXX Balance : {$8300.00} XXXX XXXX Balance : {$1400.00} XXXX XXXXXXXX Balance : {$420.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$510.00} XXXX XXXX XXXX  ( Original XXXX : XXXX XXXX  ) XXXX Balance : {$550.00} XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX CHAMPION FOR XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX BANK DEAL XX/XX/XXXX REGIONALAC XX/XX/XXXX THE XXXX CO XX/XX/XXXX XXXX XX/XX/XXXX REGIONS BANK XX/XX/XXXX EXETER FIN XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

All hard inquiries are below that were unauthorized by me : XXXX XXXX XXXX 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: Debt collection

I received a letter from Comenity on XXXX XXXX stating that I lived in XXXX XXXX I have never had any XXXX XXXX. Im XXXX XXXX years old. Either they provide a contract or remove it from my credit report. Nor did I ever live in XXXX. Please help me fix this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed a public records account that Experian is reporting on my credit report. In XX/XX/2020 I had written a letter to ask Experian to provide me with the method of validation on the information they are using to make such a claim. I received a letter back from Experian on XX/XX/2020, dated XX/XX/2020 stating the dispute results. in the letter i had received, they did not provide me with information, no proof, no source of validity and therefore the negative information remains on my credit profile.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX and synergetic Communications are reporting a XXXX XXXX XXXX to my credit report when I called to pay off the car I called this morning and recorded the calls and save them for your records on my devices XXXX XXXX does not have the account synergetic Communications does not have my account and I'm starting to think they let somebody else pay off the car loan in my name and keep the car and the loan in my name I just don't know about it and XXXX XXXX XXXX has me Frozen so I can't get into my account to pay on the car or make payments then they can pursuing me through mail I got the first letter XXXX of XXXX I am filing a complaint for illegal debt practicing first of all they never contacted me or sent me any mail for this debt the only time they sent me mail which I still have the letter was in XXXX of last year I've called them I tried to set up a payment arrangement with them and really I think they're lying about the debt to scam me out of {$6000.00} that somebody else paid off the car who I do not know who did not have authorization so they could take over the loan and keep the car in my name I need your help and I have a federal tax ID number for my business I also suspect they are using to get lines of credit and it makes me very upset because here I am trying to pay off a debt that they claim I owe they're too lazy to pursue me but yet you pay these people to go to work everyday then they tell me I owe it then I don't and it's just stuck on my credit report staggering So based off of the phone calls that I recorded this morning I don't owe the debt and I want it off of my credit since neither my creditor XXXX XXXX can find the account nor their collection agency they pay these lazy XXXX people to work for them who don't work I had to call them about my debt and they don't even have it but the year before they took a {$50.00} payment from me for this debt so I need you to find out if there's car loans in my name that shouldn't be using my social and my federal tax ID number and I need you to get them to take that XXXX XXXX XXXX off of my credit since they claim they don't have the debt they can't find it it's going on XXXX years now and I'm getting the runaround trying to pay off a car this is XXXX they've done something illegal that they don't want me to find out and then they're going to try to make me pay again which is a scam that's why they didn't send me the letter of validity I asked for regarding the debt I hope you take their heads off for piggybacking off my credit and then you're going to leave the debt on my end but whoever paid off the car you're going to give the car to them with the loan and my name and let them still keep the car why you try to scam me and have me pay another XXXX XXXX I don't XXXX think so and if you look they sent me a letter last year so they have my contact information and if you look at the letter I sent you they don't even have my name on the letter like what are they doing
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern regarding the delayed correction of open accounts in our system. However, the recent delays in rectifying late open accounts have been highly inconvenient and have impacted my confidence in your services. Despite repeated attempts to address this issue through various channels, including emails and phone calls to your customer service department, there has been no satisfactory resolution or even acknowledgment of the problem. This lack of responsiveness is unacceptable and reflects poorly on the level of customer care provided by your organization. 

I want you to assist me to take immediate action to rectify this situation. It is imperative that the late open accounts are corrected promptly and that measures are implemented to prevent similar delays in the future. Additionally, I expect a formal apology for the inconvenience and frustration caused by this oversight. Please provide a detailed plan of action outlining how you intend to address this matter and prevent recurrence. I also request regular updates on the progress until the issue is fully resolved. Please help me correct these late open accounts immediately : XXXX XXXX XXXXXXXX XXXX Balance : {$2500.00} ; XXXX  XXXX Balance : {$750.00} ; XXXX  XXXX Balance : {$2500.00}.
Product: Credit reporting or other personal consumer reports

I received notice that a hard inquiry into my credit was run, however I didn't authorize this nor had I recently applied for any new accounts or loans. 

The credit inquiry came from XXXX XXXX XXXX  on XX/XX/year>, and after calling them they confirmed that there was a recent application for a credit card using my information ( with a different phone number ). I informed them I did not submit an application, so they marked the application as fraudulent and cancelled it. 

The hard inquiry into my credit now appears on all three major credit bureaus ( XXXX, Experian, and XXXX ), and I'd like to ensure that this is removed from my record- along with any necessary fraud monitoring that needs to take place for my information. I first tried calling XXXX to do this, and they informed me that I should first create a report with the FTC.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent numerous documents to XXXX, XXXX, and Transunion and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and I demand that ALL items listed on each letter be DELETED from my reports.
Product: Payday loan, title loan, personal loan, or advance loan

Today XX/XX/2024, lendly took money from the wrong account two days before i get paid. now my account is overdrafted and i will receive nothing when i get paid, because of lendlys loan my financial situation is much worse than it was when i took the loan to help cover bills and medical costs while my wife had to be out of work due to her XXXX. The bank account they tried to take XXXX dollars from is not the account i have authorized them to take their money from and they are only supposed to charge me on my paydays but now i am overdrafted because they tried to take money from me 2 days early and from the wrong account and I am now out of even more money because of their illegal predatory practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had to request disputes with Transunion twice. Transunion took. XXXX points off my score. XXXX  XXXX membership charge if someone needs to dispute the report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX is blatant inaccurate information and according to 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. This means that the credit bureau is willing and knowingly reporting inaccurate information to my report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Experian and XXXX have violated my consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself. 

Who is going to govern these agencies? 

By 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Experian, and XXXX have 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or 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 data is inaccurate.