23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

I just wan na start with saying I am upset on how the Bank of America customer service rep treated me over the phone when I called to try to get my {$210.00} back from a charge I never authorized to be made! I hate doing these claims, but when I know I was done wrong I would like my bank to have my back, and best interest! I am old and do n't have a lot of money and live day to day. XXXX took money from my account I did not authorize, and theyou could n't do anything for me, so they told me to call my bank and they should help me, but all I been getting is a runique around. They call me from a claims Center, and I call back no later then 10 min and nobody answers or calls back!! How 's does that work then! I love Bank Of America, and just want them to reimburse me my money plz. By this happening I went negative and my rent is not paid.
Product: Debt collection

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : XXXX. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

2. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX Account XXXX : XXXX Please remove it from my credit report.
Product: Debt collection

I have been receiving calls from this company, I did not know who was calling me because everytime they call no one answers. I called them back and talked with some lady, and still didnt know who they were, she said it to fast and unclear. I just told her someone keeps calling my number, but don't say a word, I would like them to stop, she said ok and will have it stopped. On Thursday they called me again twice and both times would not answer me when I said hello ... this harassment has happened before. Including XX/XX/2018 XXXX XXXX and XXXX XXXX  And XX/XX/2018 XXXX XXXX and XX/XX/2018 XXXX XXXX and XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote a letter about false information on my credit report, and more than 60 days later, i still haven't heard anything back. I think my complaint is being disregarded and that I'm being victimized of. it is precisely stated in section 611 ( a ) that refusal to investigate these allegation within 30 days is cause for immediate removal of all those allegations from my credit report ; given that it has been more than 60 days, they should be promptly deleted. I demand that these accounts be terminated right away, or else I'll pursue you for the anguish you put upon my life. The Equifax data breach exposed my information well as, and its feasible that it landed in the incorrect hands.
Product: Debt collection

I look on my credit report I see collection request information about it never received
Product: Credit reporting or other personal consumer reports

I making this complaint over the unrecognized inquiry made on my credit report, according to the the Fair Credit Reporting Act ( FCRA I have the right to request removal when I dont recognize it and state that it wasnt me, I want to remove please
Product: Credit reporting or other personal consumer reports

XXXX is reporting my student loan with Navient as being 90 days late which is incorrect for several reasons. I have never been late and it was previously in forbearance then placed in an income driven repayment plan. I am XXXX XXXX XXXX XXXX so that also puts loans in deferment. This has caused a major hit to my credit causing me to be unable to obtain credit. Please clear this matter and change my account back to pays as agrees and fix all late payments.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct reasonable reinvestigation of dispute information on my credit report, leaving inaccurate or unverified accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience where Experian has neither corrected nor removed disputed items despite the evidence provided, causing ongoing harm to my credit standing. I am requesting immediate correction action to remove or amend the disputed accounts as Experian inaction violates federal law and my rights as a consumer.
Product: Money transfers

I had a   XXXX   account where I bought and sold items, paypal was my creditor in which money was debited and credited with ALL transactions made. ebay closed my account with no explanation and being closed, paypal withdraw all funds in my account of approx.  XXXX . Both  XXXX  and paypal started contacting customers I had without my knowledge and issuing them refunds for items already bought and paid for for over 6 months.
Product: Credit reporting or other personal consumer reports

This letter serves as a formal demand for immediate action to address your blatant violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., in handling my dispute regarding fraudulent information resulting from identity theft. Your failure to act is both unlawful and intolerable. 

Violations of XXXX XXXX XXXX to XXXX a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Despite receiving my comprehensive dispute, including the FTC Identity Theft Report and supporting documentation, your agency has flagrantly failed to conduct a reasonable investigation into the fraudulent accounts. Ignoring evidence is not an investigation. 
XXXXFailure to Provide Investigation Results ( 15 U.S.C. 1681i ( a ) ( XXXX ) ) Under the FCRA, you are required to notify me of the results of your investigation within 30 days. To date, I have received no such communication. This complete disregard for transparency further underscores your negligence and lack of compliance with federal law. 
XXXXFailure to Block Fraudulent Information ( 15 U.S.C. 1681c-2 ) You are legally obligated to block fraudulent information upon receipt of an identity theft report. By failing to do so, you continue to willfully allow the publication of inaccurate, damaging information in violation of my rights. 

Legal Precedents Highlighting Your Liability Your actionsor lack thereofare not without consequence. Courts have repeatedly held credit reporting agencies accountable for similar misconduct : XXXX XXXX TransUnion XXXX ( XXXX ) : Reinforced your obligation to conduct meaningful investigations beyond relying on furnishers data. 
XXXX XXXX XXXX, XXXX ( XXXX ) : Confirmed that credit bureaus XXXX not shirk their duties by delegating investigations to furnishers. 
XXXX v. TransUnion LLC ( XXXX ) : Demonstrated the severe consequences of failing to comply with FCRA obligations, including class-action liability and significant damages. 

Demand for Immediate Action I demand the following actions, without delay : 1.Conduct a thorough and reasonable investigation into the disputed accounts and fraudulent transactions. 
XXXXProvide a comprehensive written explanation detailing your investigation process and results. 
XXXXPermanently remove or block all inaccurate information associated with my identity theft. 

Failure to address this matter within the FCRAs legally mandated timeline will leave me no choice but to escalate this issue. I will : File formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 
Seek damages through legal action, including but not limited to statutory damages, punitive damages, and recovery of attorneys fees, as permitted under 15 U.S.C. 1681n and 1681o.

This letter is your final notice to rectify your violations. Your failure to comply will be viewed as willful non-compliance with federal law, and I will ensure that the consequences of your negligence are pursued to the fullest extent. 

Please remove, block or provide me with your investigation results in written form through the XXXX for this account : XXXX  XXXX XXXX
Product: Mortgage

I changed jobs after going to XXXX school and became a XXXX at XXXX XXXX. This was a major cut in pay. My fiance left me, and a roommate moved out after my service in XXXX. This was my first home purchase and I am doing everything possible to keep from loosing it. As you can see with my attached bank records, I was paying Loan Care, the company that took over my loan from someone else, that, I was paying them everything I could to prove to them in good faith, that I was serious about keeping my house. As you can see, I was sending them money at least every two weeks and sometimes more. Things have been very hard, but I did not realize how hard until XXXX payment, which I sent LOAN CARE {$930.00}. My bank notified me 2 weeks later that LOAN CARE had rejected my payment. I did not know what for. I had not received any notification via mail from Loan Care telling me they were not accepting anything from me except the full back pay of 3 months. I called every family and friend I could to help me get on my feet again. I did not want to loose all I had. I was unable to pull up my account online with loan care as they had me LOCKED OUT. Attached is proof of the lock outs to my account. I called every number online listed and spoke to XXXX XXXX, from collections who told me I had to pay the entire amount of {$4700.00} which included late fees and mortgage payment IN ADVANCE for XXXX. My bank " electronically transmitted " this to LOANCARE on XXXX. I called Loan Care again. They knew nothing about a payment. I was transferred to collections- XXXX XXXX. I spoke to XXXX on XX/XX/XXXX ( # XXXX ) and XXXX, employee number XXXX XXXX. I don't know what to do at this point as I can not access my account and No ONE knows or has given me a straight answer as to where this {$4700.00} has disappeared. By everything I gather, because my house has a lot of equity, that all LOAN CARE wants is to take it away from me, pretending I am not PAYING. YES, I am scared. I dont know where or who to turn to that came help me. Attached is all my communications with this company, and I am sure XXXX. would provide all of my calls, concerning my communication with LoanCARE. Thank you in advance, XXXX. XXXX
Product: Credit reporting or other personal consumer reports

Experian has failed to conduct a reasonable investigation and remove inaccurate and unverifiable information from my credit report, in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. Despite submitting a formal dispute with supporting documentation, Experian continues to report erroneous information, causing ongoing financial harm. 

Furthermore, Experian has a history of systemic errors in credit reporting and has been the subject of lawsuits for failing to correct inaccuracies. Previous legal actions, including class-action lawsuits, have alleged that Experian routinely fails to investigate disputes properly, leading to financial damages for consumers. Given Experians pattern of misconduct and its failure to comply with federal law, I am considering further legal action and filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and other relevant agencies. I am requesting immediate action to remove or amend the disputed accounts, as Experians inaction violates federal law and my rights as a consumer
Product: Credit reporting or other personal consumer reports

I am writing in response to your request regarding my complaint against XXXX XXXX XXXX. Below is a summary of the actions I have taken and the ongoing issues with XXXX XXXX XXXX  handling of my personal information and credit reporting. 

Timeline of Events and Actions Taken : Debt Validation Letter ( XX/XX/XXXX ) : On XX/XX/XXXX, I sent XXXX XXXX XXXX a Debt Validation letter requesting validation of the alleged debt they are attempting to collect. This is my right under the Fair Debt Collection Practices Act ( FDCPA ). The letter explicitly requested that XXXX XXXX XXXX provide verification of the debt, including the original creditor, the amount, and other relevant details. 
No response was received from XXXX XXXX XXXX within the required 30-day period. This lack of response is a violation of my rights under the FDCPA, which mandates that they must provide this validation before continuing any collection activities. 
Cease and Desist Letter ( XX/XX/XXXX ) : On XX/XX/XXXX, I sent a Cease and Desist letter to XXXX XXXX XXXX, demanding that they immediately stop accessing or reporting my personal information to credit bureaus without my consent. 
This letter also reiterated my rights under 15 U.S.C. 1681b ( Fair Credit Reporting Act ), which requires consumer consent before any third party can access or report my credit information. I have not given XXXX XXXX XXXX permission to obtain or report my personal or credit information. 
Despite this request, no response has been received from XXXX XXXX XXXX, and they continue to report inaccurate and unauthorized information on my credit report. 

Key Issues : Unauthorized Access and Reporting : XXXX XXXX XXXX has been reporting on my credit report without my consent. Under 15 U.S.C. 1681b, they are not permitted to obtain my personal information or report it to credit bureaus without my explicit permission. Their actions are not only a violation of my privacy rights but may also constitute identity theft. 
Failure to Respond : Both my Debt Validation letter and my Cease and Desist letter were sent in good faith, requesting that XXXX XXXX XXXX provide the necessary documentation and cease their unauthorized actions. However, as of today, they have failed to respond to either request, which further compounds the violation of my rights. 
Thank you for your attention to this matter. I look forward to your prompt resolution of this complaint and confirmation that XXXX XXXX XXXX is taking the appropriate corrective actions. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Subject : Request to Delete Fraudulent Accounts Under FCRA Section 605C Dear Sir/Madam, I am writing to formally dispute the presence of fraudulent accounts currently reported on my credit report. These accounts were not opened by me, and I believe they are the result of identity theft. I am requesting that you delete these accounts from my credit report as required by Section 605C of the Fair Credit Reporting Act ( FCRA ). 

The details of the fraudulent accounts are as follows : Creditor Name : XXXX XXXXXXXX XXXX Date Reported : XX/XX/XXXX Creditor Name XXXX XXXX XXXX XXXX  Date reported : XX/XX/XXXX Under Section 605C of the FCRA, consumer reporting agencies are required to block the reporting of information that the consumer identifies as resulting from identity theft, provided that the consumer submits a valid identity theft report. Given that these accounts were fraudulently opened without my knowledge or consent, I am invoking my rights under this section to request the deletion of these accounts. 


Thank you for your prompt attention to this matter. 

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

I was in XXXX training from XX/XX/XXXX to XX/XX/XXXX and I had no phone and was cut off from society and had no way of knowing or staying on top of these remarks or payments and am protected under SCRA law.
Product: Student loan

As directed by congress interest was meant to begin accumulating which began in XXXX this year, however, my loan site Aidvantage is saying I have missed a payment which doesn't match how often payments should have started back up for. Payments began in XXXX, I made my payments for XXXX and XXXX so far however, they're saying I've missed a payment which I know I haven't they double charged me in the month of XXXX and I'm upset as this is messing with my payments I have made so far and I'm finding this to highly unethical of them.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I was a victim of Identity theft, someone had, opened over 7 accounts in my name one was XXXX XXXX XXXX XXXX XXXX. I do not know when the account was opened or, type of account I am assuming it was a credit card of services. I also contacted XXXX XXXX XXXX by certified letter, and also filed a police report, and a Identity theft report as, well as spoke to all three credit companys about the Identity theft, there was a block placed on my credit report. I am still trying to recover from this event that has shook me to my core. XXXX XXXX XXXX XXXX XXXX  did not remove the hard Inquiry that was placed on my credit report with XXXX XXXX XXXX  they placed the Inquiry on my credit report onXX/XX/XXXX. I again am shocked that this is happening, and it is taken a toll on me mentally, and physically. To this day even after I placed a Identity theft alert on my credit report, I have two more Inquirys placed on my XXXX credit report XXXX XXXX XXXX XXXX date XX/XX/XXXXthat was not autherized by me, and XXXX XXXX XXXX XXXX   also pulled my credit report from XXXX on XX/XX/XXXXI have to go to the social security office to change my social security number do to the outstanding damage this is causing my credit, and Identity.
Product: Credit reporting or other personal consumer reports

I had a XXXX balance on a credit card and I charged {$420.00} and then all XXXX credit bureau 's dropped my credit score XXXX points. I paid the card off the very next month and my score only raised up XXXX points.I was told on the phone that it would take several moths for my score to go back to where it was. The reason for the score drop was due to using XXXX of my available credit but when I pay it off it should go back to where it was. Also because my score dropped it my other XXXX bank cards lowered the spending limit and that means I know have a higher debt to available that in tun lowers my score even more. I asked XXXX Bank to put my available up since I have never been late and always pay more than the minimum by {$200.00} more. They said it was lowered based on my score dropping. This will be a never ending cycle and should be illegal on both the credit reporting companies as well as credit card companies. Last I went and bought a new car and between XXXX dealerships i ended up with completely different score range, And I mean by hundreds of point and not even close as to what the XXXX XXXX 's show to me as the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to the credit agencies via FTC report and CFPB complaint. The credit agencies placed a fraud alert on my credit profile but failed to remove the fradulent inquiries as they said they would. I followed up with the agencies directly and was advised that it would be taken care of within 30-60 days but it wasn't. I would like these inquiries to be removed. 

XXXX XXXX XXXX NAME XXXX XXXX  DATE XX/XX/XXXX XXXX NAME XXXX XXXX  DATE XX/XX/XXXX XXXX XXXX XXXX by XXXX XXXX DATE XX/XX/XXXX XXXX NAME XXXX XXXX  DATE XX/XX/XXXX XXXX XXXX XXXX XXXX 's XXXX XXXX XXXX DATE XX/XX/XXXX XXXX NAME XXXX XXXX  DATE XX/XX/XXXX XXXX NAME XXXX  DATE XX/XX/XXXX XXXX NAME XXXX XXXX  DATE XX/XX/XXXX XXXX NAME XXXX XXXX  DATE XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX DATE XX/XX/XXXX XXXX NAME XXXX DATE XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX DATE XX/XX/XXXX XXXX NAME XXXX XXXX  DATE XX/XX/XXXX XXXX NAME XXXX XXXX DATE XX/XX/XXXX XXXX NAME XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

In reviewing my credit reports, I noticed some inaccuracies and unauthorized accounts. According to 605B they must be removed. XX/XX/XXXX ( XXXX XXXX XXXX ) {$21000.00}, XX/XX/XXXX ( XXXX  XXXX ) {$540.00}, XX/XX/XXXX ( XXXX XXXX  ) {$670.00}, XX/XX/XXXX ( XXXX XXXX ) {$1000.00}, XX/XX/XXXX ( XXXX XXXX  ) {$1300.00}, XX/XX/XXXX ( XXXX XXXX XXXX ) {$2400.00}, XXXX XXXX, XXXX ( XXXX XXXX ) {$0.00}, XX/XX/XXXX ( XXXX  XXXX ) {$0.00}, XX/XX/XXXX XXXX XXXX XXXX ) {$0.00}, XX/XX/XXXX ( XXXX XXXX  ) {$0.00}, XX/XX/XXXX ( XXXX XXXX ) {$2500.00}, XX/XX/XXXX ( XXXX XXXX  ) {$8200.00}, XX/XX/XXXX ( XXXX XXXX  ) {$5200.00}, XX/XX/XXXX ( XXXX XXXX ) {$10000.00}, XX/XX/XXXX ( XXXX XXXX XXXX ) {$690.00}, XX/XX/XXXX ( XXXX XXXX XXXX ) {$1500.00}, XX/XX/XXXX ( XXXX XXXX XXXX ) {$630.00}, XX/XX/XXXX ( XXXX XXXX ) {$130.00}.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXXXXXX Balance : {$1900.00} XXXX XXXX XXXXXXXX Balance : {$3200.00} XXXX XXXX XXXX Balance : {$1900.00} XXXX XXXX XXXXXXXX Balance : {$3200.00}
Product: Checking or savings account

I received overdraft fees from navy fed after thinking I had enough money in my account to cover the expenses. However, I didnt because navy fed werent processing debit card transactions in a timely manner causing lots of money to be take out of my account at once. & overdraft fees