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

On XX/XX/2019, XXXX XXXX XXXX locked my joint checking account that is held by me, XXXX XXXX XXXX, and my mother XXXX XXXX XXXX, which resulted in my electronic mortgage payment for XXXX to be rejected. XXXX  XXXX XXXX states that they attempted to reach out to my mother for updated information multiple times, however, they did not do so in her preferred language nor did any of the bank tellers notify her that her information needed to be updated when she did visit the bank during XX/XX/2019. 

My account was locked without my knowledge and the XX/XX/2019, my mortgage on my mobile banking app showed " pending '' to XXXX XXXX XXXX. I was NOT informed of my electronic payments not going through nor that my e-bills with XXXX  XXXX XXXX were reset so I did not get my e-bills for XXXX. Companies involved included XXXX XXXX XXXX and XXXX XXXX. My checking account was in good standing and I now have multiple delinquent late payments on my credit report. 

Additionally, XXXX  XXXX XXXX has failed to inform my mother in a manner in which she can understand. Her primary language is XXXX. I was notified that no one in the bank could advocate for her or change her preferred language to XXXX without her having to navigate an English website through her online banking. My attempts to resolve the issue with the company resulted in me being told " Is that all? '' Please note, my last name also recently changed due to marriage. Last name is now XXXX.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 


Account Name : XXXX XXXX XXXX XXXX XXXX Account XXXX Account Name : XXXX Account XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/year> Equifax XXXXXXXX XXXX XXXX XXXXXX/XX/year> Equifax XXXX XXXX XX/XX/year> Equifax XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written permission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a certified letter to TransUnion on XX/XX/22 for Demand for Deletion ( it was not a dispute ). My demand was very specific. The response from TransUnion is a stall tactic. TransUnion is in violation of 15 USC 1681 ( a ) ( 2 ) which states that a consumer reporting agency may furnish a consumer report in accordance with the written instructions of the consumer. I, XXXX XXXX the consumer never gave TransUnion written consent to report anything on my consumer report. No consent is identity theft and I demand you remove the inaccurate information off of my consumer report immediately. If they are not removed I will not extend my credit to anyone or allow TransUnion to furnish a report for me. Pursuant to US 15 USC 1681 ( a ) ( 1 ) that the banking system is dependent upon fair and accurate consumer reporting and by allowing TransUnion to report inaccuracies these inaccuracies, it may cause me to lose confidence in the banking system. If TransUnion would like to continue to do business with me I demand they delete these inaccuracies.
Product: Credit card

I initiated several disputes on my chase card and after sending over very detailed explanations as to the cause for my dispute. Chase somehow turned this into to a quality of service issue and denied my claim. I do not believe Chase even read my complaint as it was not a quality concern it was an issue of the services not being provided. I did not receive what I paid for PERIOD. These XXXX companies have scammed me out of a lot of money for doing nothing. Chase informed me that they reached out to the merchants and they did not honor my request. Of course they would n't honor my request they are getting away with murder and Chase is helping them.
Product: Debt collection

Online Information Services placed a collections on my XXXX, XXXX and XXXX credit report. They say that I owe someone for a medical bill. I did have a XXXX that left me XXXX but and I paid all of my co pays and deductibles. I was n't aware that I owed any medical bills so I called them and aske that they send me the information to verify the account. The representative told me that they are not a billing agency and they are not required to send me anything. I was ill and was n't aware that they had reported this on my credit. I only recently got the free credit report and found this account on my credit.
Product: Credit reporting or other personal consumer reports

I appreciate you taking the effort to CORRECT some of the data in my credit report, but one account still has to be repaired. The three credit bureaus are required to verify this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( A ). I'm hoping the disputed account will be corrected right away. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello to whom it may concern, Under the new law effective XX/XX/XXXX 2017 any public record thats reporting on a credit file must include name, address, social security number or DOB. At this time experian XXXX nor XXXX is in compliance with this new law and after careful investigation I am seeking to have these incorrect public records deleted off my credit file. Thanks & XXXX Bless
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Delaware XXXX XXXX XX/XX/XXXX TransUnion Consumer Solutions XXXX Dispute XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX XXXX, GA XXXX Re : XXXX XXXX SSN : XXXX , DOB : XX/XX/XXXX Dear TransUnion and XXXX : This is another attempt to have my Profile and Credit Report information updated to reflect my legal name XXXX XXXX and to purge my account of inaccurate information because of fraud. 

XXXX XXXX has made numerous attempts to have this matter corrected, e.g., telephone calls, letters, filling out applications online, etc. all to no avail. 

Succinctly stated, my legal name is XXXX XXXX. The State of Delaware has established procedures for all Delaware residents to legally change their name and to notify all potential Creditors of the pending name change, and conversely clear the record of illegitimate Creditors claims. 

On XX/XX/XXXX, State of Delaware Court of Court of Common Pleas Judge XXXX XXXX XXXX changed my name from XXXX XXXX XXXX to XXXX XXXX, after I complied with all the legal procedures. See copy of the Court of Common Pleas Order, along with a copy of my drivers license and social security card attached for your convenience. 

The Delaware Statutes requires the publication of legal notice of name changes to inform all potential Creditors of the pending name change and to facilitate the transition of every legitimate Creditors Claim and conversely clear the record of illegitimate Creditors claims. No legitimate Creditors claim was lodged against XXXX XXXX during or after XX/XX/XXXX, in accordance with the Delaware Statutes. There is no legitimate legal Creditor Claim on the account of XXXX XXXX since XX/XX/XXXX. 

Yesterday, an XXXX Dispute representative stated that Our system does not recognize a single character, such as XXXX  as a last name, therefore, we must continue to use the name XXXX as your last name and XXXX as your last name. 

I informed the XXXX Dispute representative that neither XXXX nor XXXX is my legal name and we can not interpolate the Delaware Statutes to allow us to assign debt ( s ) to a consumers account. Additionally, TransUnion and XXXX have already updated my legal name of XXXX XXXX in their systems, unfortunately, they have assigned debt ( s ) to the account of XXXX XXXX. 

This dispute over my legal name with the Three Credit Bureaus has begun causing me hardships by interfering with my ability to extend credit limits or to obtain a credit line from my banking institution. 

By copy of this letter to Federal Trade Commission Chair XXXX XXXX XXXX an investigation is being requested into the Credit Bureau XXXX XXXX XXXX XXXX at XXXX, XXXX, and TransUnion for possible fraudulent activities in violation of The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. and the Delaware Statutes. 
Submitted by : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX , Chair, Federal Trade Commission XXXX ( Member ID XXXX )
Product: Checking or savings account

Opened an account with Bank of America on XX/XX/23 via online application. I was notified by email that the account was approved. I logged into the account and recorded the account and routing number. I then went to a BAC branch located at XXXX XXXX XXXX XXXX, XXXX, AZ and deposited a check dated XX/XX/23 from XXXX XXXX in XXXX AZ for {$20000.00}, both my wife and myself signed the check in front of the teller and the deposit was accepted with a hold on the funds until XX/XX/23 at XXXX am. 

On XX/XX/23 I attempted to log on to my account to verify that the funds had been deposited. I was unable to log on and after a phone call, was told the account was closed. I never received a phone call, or email to inform me that the account was closed, I only found out by accident. By visits to the bank and phone calls I was eventually able to determine that fraud was suspected. The bank then informed me that the only way to get my funds were have them mailed on or after XX/XX/23, even though the funds were to be released on XX/XX/23.
Product: Mortgage

Residential Credit Solutions XXXX RCS XXXX failed to pay my homeowner 's insurance out of escrow last year. The due date for the insurance premium payment was XXXX/XXXX/14, they did not pay until the end of XXXX. Because of this, for approximately XXXX months last year, I did not have coverage on my residence. I had to go through an insurance reinstatement process after RCS finally paid the premium. The same issue happened this year. The insurance premium was due on XXXX/XXXX/15. As of today XXXX XXXX/XXXX/15 XXXX, the premium has still not been paid even though I pay into escrow for this. I have not had insurance coverage since XXXX/XXXX/15 because of this. Today I had to pay {$370.00} out of pocket to re-instate coverage and also had to sign a Statement of No Loss.
Product: Debt collection

I contacted Portfolio in regards to an alleged account I noticed on my credit report around XXXX XXXX XXXX. I sent a letter on XX/XX/XXXX certified mail, requesting they send me more information regarding this alleged account because I did not know what it pertained to. I received no response from that letter. I sent another letter on XX/XX/XXXX asking for more information again, and again no response. I also sent a letter to XXXX on XX/XX/XXXX requesting their assistance with who this account was with or what this account was for, yet all they stated was that they verified the information. I tried one more time on XX/XX/XXXX asking XXXX to provide me with more information about how they verified the information and I still have not heard back from either company. It is against my consumer rights for these companies to place alleged debts on my credit report with no explanation or no verification when I am simply asking what this debt pertains to, since I am unsure of what it is.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, my credit monitoring account on XXXX XXXX reported a XXXX drop in my credit, from XXXX to XXXX, as reported to XXXX XXXX by Transunion. Today, XX/XX/2021, fourteen days later, I still see no evidence that my credit situation has changed in any way to warrant such a huge drop. Transunion has not provided to XXXX XXXX an altered report reflecting the XX/XX/2021 drop, nor does the credit report on Transunion reflect any changes, other than their own internal investigation, for which they provide no information.
Product: Checking or savings account

I recently got paid this day, I transferred XXXX to my account to get some food that day. I began to work and all of sudden around XXXX I get notification stating that XXXX dollars was withdrew from ATM. They completely wiped my account. I had my debit card with me and everything. Cash app told me it will take XXXX calendar days until I can get an answer on the dispute I made. I was also told they dont know if they will go in my favor or not. It is truly disheartening to know that money was to get my daughter and I food. Because somebody decided they needed the money more than I did.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have acct with XXXX  XXXX XXXX XXXX ending in XXXX. the compliant was resolved via cfpb complaint with XXXX XXXX XXXXXXXX XXXX stated on letter that acct charge off, balance due and late payments will be removed from this acct. I sent all this info to transunion from original creditor and thru refuse to correct the acct. I have talked to 3 managers and they stated that the correction would have to come from the original creditor. I have sent info from original creditor that they have received certified mail 3 times and they still refuse to correct the issue on this acct.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable! 

This is unacceptable! Please remove!
Product: Credit reporting or other personal consumer reports

I am not liable for this debt with XXXX XXXX XXXX  and XXXX XXXX XXXX. I do not have a contract with XXXX XXXX XXXX and XXXX XXXX XXXX. They also did not provide me with the original contract as requested. I would like for there to be a correction to my credit report. I demand that these items be deleted immediately. 

ATTENTIVELY REVIEW my formal writ composed DECLARATION of Not Proven Compliant Misinformation that is all or in part : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction- ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT XXXX XXXX data field formatted reporting! To be clear, you are mandated by laws to eliminate every notation and or aspect of any and all derogatory and adversary items from any and all alleged claims still yet unproven to be true, correct, complete, timely, documented as being mine, testimonial to be of my responsibility, with FCRA compliance, and or XXXX XXXX XXXX XXXX COMPLIANT reporting. FEDERAL laws dictate that any and all derogatory or potentially injurious reporting MUST be all of the aforementioned and can NOT BE ASSUMED without undoubted CERTIFIABLE testimonial of FACTs ensuring the physically verifiability of the CONFIRMED manual validation of any item upon a consumer complaint, such as is this notice here and now.Please RETURN to or retain federally lawful reporting with your unwavering and unconditional annulment of every single one even each any and or all of the allegations accused of me deficient of physical evidence to every and all aspects of said claims, be them true or not. 
I would like to forge forward with a righted disputation challenging what likely is an inaccurate, untrue, incomplete, untimely, not compliant, and or possibly not even of my ownership of responsibility allegation of a derogatory item that I see you currently have on my credit report, possibly causing violating infringements and injury to my credibility. While studying my report I have come across a number of mistakes and inaccuracies that you are reporting.Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, XXXX XXXX compliant, or else wise compliant to every single one even each any and all of the regulations, laws, and standards of reporting of which you are undoubtedly mandated in your obligation to obey : The following allegations each require immediate deletion, do so now and here!
Product: Bank account or service

In XXXX 2016, I called US Bank regarding checking account. I asked them to stop all automatic withdrawal 's going into this account. I spent over a 1 and 1/2 hours on the phone with a representative who assured me all auto drafts were stopped. In XXXX and XXXX 2016, somehow I was again hit with payments from companies that I did not authorize. When I called and spoke with the representative I was told that I never called in and they could not do anything. I have made payments on the account to get the overdraft taken care of but US Bank has been adding interest and late fees to an account that supposedly has charged off or is closed. At this point, I am confused because now ( XXXX/XXXX/2016 ) I received a statement that has minimum payments of $ XXXX/mo due on the XXXX XXXX and I can rack up late charges if I do n't comply! When the account was closed it was {$350.00}. Today, the bill I have in my hands says I owe a whooping {$880.00} for a checking account and my statement says if I do n't pay by XXXX XXXX, 2016 I will get a {$20.00} late fee. How is this possible a bank can keep adding charges to a checking account that should have been closed? How long can a bank add unnecessary fees to this account trying to bleed money from me? I am willing to pay the {$350.00} ( personally, I should NOT have to pay a dime since I requested stop payment on this account before these charges were even added ) but anything more that than is absurd. They company is unreasonable and I hope that someone in your office can help me.
Product: Credit reporting or other personal consumer reports

There are some unauthorized inquiries on my report. I dont recognize these lenders and I didnt authorize them to perform a hard inquiry on my credit report. It is against federal law ( Fair Credit Reporting Act - 15 USC? 1681b ) for an entity to view a consumer 's credit report without a " permissible purpose, '' none of these creditors were Authorized by me. FTC report attached. I WANT THESE INQUIRIES REMOVED. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

This is a formal complaint against Portfolio Recovery Associates located in XXXX, VA. This company has repeatedly violated my consumer rights under the Fair Debt Collection Practices Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable collection account on all 3 of my credit reports, XXXX XXXX XXXX and not to mention an account in which I've asked for proof of claim and in which they have refused to validate per my request under the Fair Debt Collection Practices Act. Despite my efforts to resolve this unfortunate nightmare for nearly a year now, Portfolio Recovery has completely ignored my communications and legal submissions to remove this inaccurate information from my credit reports. I am well aware of the many, many other complaints filed against this company for their illegal and unethical collection practices - disguising themselves under multiple business names and using ILLEGAL collection practices all across the country. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a XXXX and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
Product: Checking or savings account

I made a transaction on XX/XX/XXXX by using the XXXX XXXX app to purchase tickets online. This account is linked to my Bank of America account, this ticket seller had fraudulent tickets, and I did not receive them. I requested that XXXX XXXX return my money and they suggested I reverse the charge with my bank. 

I submitted the request for reversal with Bank of America and they did not ask any questions and never reached out to me to find out what happened. I have proof that the transaction was fraudulent due to invalid ticket numbers and Bank of America never reached out to ask my issues and 30 days later has reversed the temporary credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXXXXXX, Account # XXXX, Account Name : XXXX, Account # XXXX, Account Name : XXXX XXXXXXXX, Account # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.