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

I was checking my credit report and noticed that XXXX was listed on my report as a closed account. This account has been closed since XXXX  and I did not authorize this publication to my credit report. I was unaware that my credit was reported negatively. This is harmful to my living statndards.

( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 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. 
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Product: Checking or savings account

My Name is XXXX XXXX address is XXXX XXXX XXXX XXXX pa XXXX phone is XXXX the compiaint is with Key Bank they left me open a checking account i had to pay deposit to open them they sent me XXXX XXXX in the mail after account was open for maybe a week they put a block on my account and they told me they were not going to remove this block i set up this account to make deposits in and out of this account they charged me money to open a checking account also a hassle free account they told me that i am not going to even be able to use my account or My XXXX XXXX they told me that the block is from fraudlent activity but no one has my banking account info so i cant use my accounts at all i spoke to someone higher up from company and they told me the same thing they told me to go to a branch and that is like a little over a hour from were i live but i dont drive so I am very dissappointed in this company right now because i put money into my accounts i would like this issue to be resolved They also game me a phone number to call XXXX they said because of fraudlent activity and i am the only one that has my acconut info i told them that someone else had it because i did not under stand the question they also have both accounts blocked i would like them to remove the block were i can make transfers and deposits the first one was a hassle free account XXXX the second one was XXXX i hope you can resovle this issue were i can you my accounts if not they need to refund my money that i had to pay to open these accounts thank you XXXX XXXX
Product: Debt collection

About 9 months ago i start sending certified letters to Trans union XXXX  and XXXX disputing collections to XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX and only XXXX  and XXXX  delete this accounts with a balance of XXXX and XXXX dollars wich this 2 companys are reporting on my Transunion Credit file in violation of the law
Product: Credit reporting, credit repair services, or other personal consumer reports

Method of Verification for Transunion : This notice is in response to your recent claim that XXXX XXXX XXXX XXXX XXXX Account # XXXX verified the account they are reporting is accurate. Please be advised that I am exercising my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. In compliance with this method of investigation request, please provide the following : The description of the procedure used to determine the accuracy and completeness of the information. Name, address, and telephone number of each person contacted regarding this alleged account. A copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. Any automated response or e-Oscar verification is unacceptable. I am requesting a re-investigation along with your method of verification. The item in question is inaccurate and represents a very serious reporting error. I expect to receive a response within 15 days of receipt of this letter in compliance with the FCRA. If not, I expect this item will be removed from my credit files immediately. Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently got a copy of my Experian credit report and notice Experian is reporting inaccurate information in my credit file. i filed a dispute with XXXX  and I contacted Experian Fraud team explaining that XXXX XXXX XXXX is reporting in my credit file a debt Balance of {$580.00}, but they are sending me a letter saying i owe a debt Balance of {$580.00}, this information is confusing, although i do not owe this debt and never done business with XXXX XXXX XXXX, from my understanding information reported in my credit file must be 100 % accurate and complete if not it needs to be deleted. 

I've never done business with XXXX XXXX XXXX and they are sending me different amounts then they are Reporting to Experian. 

Experian is the only agency reporting XXXX XXXX XXXX XXXX and XXXX are not reporting any debt with XXXX XXXX XXXX XXXX XXXX XXXX also sent me a Photoshopped document with XXXX XXXX header pasted on it. although i've never done business with either it still shows a different amount then what they are reporting. 

XXXX XXXX XXXX  took my current address off of a dispute letter and switched it with the one thats tied to the debt that do not belong to me, then they sent me a letter and added my current address to that debt.
Product: Credit reporting or other personal consumer reports

After checking all three of my credit reports I noticed on all reports it showed this account that I have with this credit card company was a pay to delete account that I requested and also upheld my end of the arrangement by paying off in full over two years ago in counting. Not only did the credit company update the account as paid and closed they DID NOT remove this account off NONE of my three credit profiles with TransUnion, XXXX and XXXX and this account was also charged off meaning they were made twice for this account, once by me and the other by IRS. I also never received my 1099 in the mail for this debt that has been paid twice for this account XXXX that has been paid for already. In According with the Fair Credit Reporting Act the following companies previously listed above has violated my rights. 15 USC 1681-602A states I have right to privacy. 15USC 1681-604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

This morning, I discovered that incorrect accounts had appeared on my credit report, and I have no idea how they got there. I regularly check my report, but this time, I noticed unexpected discrepancies. I even refreshed my browser to see if it was just a temporary glitch, but the errors remained. Because of this, I request a thorough review of the documents Ive submitted so I can put this issue behind me for good.
Product: Credit card

XX/XX/XXXX, XXXX XXXX I was charged interest each month over the statement balance
Product: Credit card or prepaid card

A refund from an overpayment on my credit card was approved XX/XX/2023.1 spoke to customer service on XX/XX/XXXX the minute I saw the double debit from my checking account. I still had not received it by XX/XX/2023. I've called 5 different days since XX/XX/XXXX when this started, spoken to 9 different people in 5 different departments, been hung up on once, have been told wow, that's a long time, just wait another day twice, that the money moves slowly because it isn't going to a Bank of America checking account. Are there different wires? Because it comes OUT of my account within 24 hours! It's XXXX, and an ACH transfer. They told me on XX/XX/2023, that I'd have my money back in my account within 24-48hrs, then again XX/XX/XXXX, again on XX/XX/2023 another 7-10 days because they sent my refund back to the wrong account. I spent an hour and a half on the phone with XXXX XXXX  ( where I have my checking account ) and they went above and beyond to help me, no record of any money being returned to me. 
Regulation Z requires that Bank of America : " Credit the amount to the consumer 's account. 
Refund any part of the remaining credit balance within seven business days from receiving a written request from the consumer. '' Bank of America doesn't allow written requests anywhere on their website, you only list phone numbers of departments and a vague address of headquarters. I finally was able to get someone via XXXX XXXX to create a secure chat, in which I gave them my routing and account numbers, XX/XX/2023, a whole month after the credit was marked as posted, but I still have not received it. The routing number was completely wrong, which I finally made them check and tell me what the routing number was on XX/XX/23, it started with a XXXX  and I knew right away Bank of America had messed up. Bank of America is holding onto almost {$1400.00} that I want back with my missed interest accrual. I have spent hours upon hours trying to get my money back when the original representative at Bank of America on XX/XX/23 put in the wrong routing number, no one at Bank of America could figure that out until I asked them to look? And I still don't have my money back, 3 months later. I have been more than patient.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have spoken to Transunion multiple times in reference to unauthorized inquiries that are listed on my credit report. I spoke to a US Rep by the name of XXXX and she informed me she would be removing all unauthorized accounts from my report. Two months have passed, and nothing was deleted. I called Transunion again, spoke to a Rep named XXXX and he was rude and hung up on me when I questioned about the inquiries never being deleted. I am requesting that all inquiries that I have not authorized be deleted from my account. 

Inquiries are as followed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX/XXXX XXXX/XXXX  I am requesting these inquiries be removed from my account.
Product: Money transfer, virtual currency, or money service

I was an early adopter of Zelle and they never showed any disclosures saying my money wouldnt be recoverable if I submitted in error. And it happened a few times where I got the phone or email wrong and someone else got my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

In despite of multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, Section 605b, within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. With this, I am asking for you immediate assistance to remove the items that result from alleged Identity Theft. These are the following fraudulent items : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX  XXXX Balance Owed : {$540.00} ; XXXX, XXXX  XXXX Balance Owed : {$510.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX Balance Owed : {$540.00} ; XXXX XXXX XXXX XXXX XXXX  XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX Balance Owed : {$540.00} ; XXXX XXXX XX/XX/2022.
Product: Credit card or prepaid card

The company closed my account without an explanation as to why but a letter to me stating that they had the right to close my account and they did. I made a complaint to CFPB and they responded that my account had been reinstated as of XX/XX/2018. As of now XX/XX/2018, the account is still closed. I have tried to reach the contact on the letter that was sent claiming the account had been reinstated a few times to no avail. Several messages have been left but no response and the account still closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent out a method of verification to Transunion in regard to a public record bankruptcy on my file. They said it was verified and listed the US Bankruptcy Court GA XXXX as verifying. I reached out to the Court and they provided documentation that they did not verify anything and I demand removal due to the fact they lied and violated my rights by providing false information therefore are in violation of the Fair Credit Reporting Act. I have everything in writing. On XX/XX/2021 I submitted those documents from the court plus my identifying information of myself to Transunion and they still did not remove. Transunion is in violation and should be penalized.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several hard inquiries listed on my credit report, which I believe to be both invalid and unauthorized. These inquiries are negatively affecting my XXXX XXXX and were made without my knowledge or consent, in violation of the Fair Credit Reporting Act ( FCRA ).
Product: Debt collection

This is a complaint against EQUIANT FINANCIAL SVCS. I already disputed an account from them before, under the same name with the same account number XXXX and it was deleted from my credit reports under XXXX. However, the same account re-appeared in my reports still under XXXX. I want this to be removed as it is very illegal to add on removed fraudulent accounts. Furthermore, I did not authorize anyone to use my information or to be given to a third party. This is an unauthorized and fraudulent account which was opened without my consent as I never gave permission for this to be opened under my name. I did not agree to any membership, loan or credit card. My personal info had been used to process transactions and open an account under my name without my knowledge. I never gave authority to open such account. It is not authorized and I have never given permission for it to open and charged. Please remove this account from my credit report, all of the inquiries, and block them from placing these unauthorized account on my credit. This is a scam & I was defrauded. This inaccurate account is being reported in my credit records and is hurting my financial stability. I am a victim of fraud and theft. I have requested multiple times for verification of this account and send out dispute/demand letters on the following dates, as well as filing disputes to the credit bureaus : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. The creditor has refused to provide any information. This willful neglect has not only caused much financial hardship, but is also a direct violation of my rights under the Fair Credit Reporting Act. I need help in this situation because I can not refinance or obtain new lines of credit. I've been requesting for validation but had no responses. Our rights under Fair Credit Billing Act of 1974 is not being followed. There is improper billing, my financial information has been shared without my permission, and my rights are being violated. I want this account to be closed or validated. They're willfully neglecting the verifications to purposely cause harm and stress. I have disputed this account for validity it is not been verified & they continue to attempt to take money out of my account and threaten me with legal action which they are willfully not following the law and violating my rights under the fair credit reporting act. I feel I'm being profiled and neglected by these conglomerates for they only demand payment with no evidence of the right to collect. I need assistance in this matter and these companies should be penalized for violating federal law.
Product: Payday loan, title loan, or personal loan

I missed a couple of payments and now this company Cash call is sending multiple emails a day threatening to garnish my wages. They haven't even obtained a judgement so I am unsure how they would garnish me. I am willing to pay and have made multiple payments and my balance has not been affected because of the high interest rate. I don't believe that they are following the FDCPA and I want them investigated for threatening their customers
Product: Credit reporting, credit repair services, or other personal consumer reports

FTC REPORT ATTACHED AS PDF IN light of recent investigation brought upon XXXX, i find that my consumer file is being irresponsibly tampered with. Over the past 2 years I have made several attempts to remind you of your duty pursuant 15 usc 1681. it appears you're intentionally and willfully being neglectful in remedying my affairs. 15 usc 1681 e ( B ) assures that i am due, promised accuracy in my report based on federal law. I am making this complaint with the bureau consumer financial protection ( 15 U.S. Code 1693a ) as well as with the attorney general as another attempt to have these errors corrected on my consumer report. 15 USC 1681I ( A.5 ) SAYS THAT AFTER THE REINVESTIGATIONS ALL OF THE UNVERIFIED INFORMATION MUST PROMPTLY BE REMOVED. YOU CAN SEE IN YOUR SYSTEM THAT THESE ACCOUNTS WERE PREVIOUSLY DISPUTED WITHOUT BEING THOROUGHLY INVESTIGATED THUS I KNOW THAT IT CAN NOT BE VERIFIED OR VALIDATED. also, you are in violation : 15 usc 1681 ( a ) ( 4 ) - Infringed Upon a Consumers right to privacy Why is this a Violation? XXXX has no business going out and looking for negative information thats Infringed Upon a Consumers right to privacy. Second Violation 15 usc 1681b ( a ) ( 2 ) ( a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Did XXXX XXXX have MY written instructions? Did XXXX XXXX have Permissible purpose? NO, they did not. YOU ARE IN VIOLATION OF 15 usc 1681a- ( e ) MAY I REMIND YOU The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. both stated accounts were removed from XXXX so please tell me how you verified this information to be accurate?
Product: Credit reporting or other personal consumer reports

LexisNexis Risk Solutions Consumer Center XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IA XXXX XXXX of Birth : XX/XX/XXXX SS # : XXXX To Whom It May Concern : | have recently been informed that there is negative information reported by XXXX XXXX CT IA XXXX XXXX XXXX XXXX file you maintain under my Social Security number. Upon ordering a copy of my credit report, I see an entry from this court listing with Reference # XXXX filed on XX/XX/XXXX. The entry with Reference XXXX filed on XX/XX/XXXX with this court appears to be inaccurate. Apparently, not on was the case never discharged.
Product: Debt collection

In XX/XX/XXXX I reached out to pay my debt and we agreed that in two payments debt will be paid and reported to the 3credit bureaus and asked to be cleared. I disputed this and it says I still owe but have proof of payments and dates.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I found some inaccurate data, which appears to conflict with the provisions of 15 USC 16c-2. This misinformation is harming my credit standing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently filed a report about my credit report having various name spelling multiple addresses and an account with XXXX XXXX that was paid in full. However on my report it shows that I owe XXXX  XXXX multiple name spellings and various addresses which are not mine, and hard inquries I am providing further proof with this receipt and I will list below and document section to prove I don't owe XXXX  XXXX. And this is also a reminder to remove all information that I requested in the first letter. I received the response and the response said that I was unable to speak for a non authorized account which both of the accounts actually belong to me with the incorrect account information. I will be calling Monday to speak with someone to correct an update the information again. This is causing me distress, I am trying to buy a car and the house and this inaccurate information it's causing me not to be able to meet criteria These are inaccurate addresses XXXX XXXX XXXX XXXX, oh XXXX XXXX XXXX XXXX XXXX ohio And same address listed to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Hard inquiries I have never done business with them XXXX XXXX  XXXX  XXXX  XXXX XXXX  XXXX-XXXX  XXXX XXXX XXXX  XXXX XXXX  in all hard inquiries listed