23daVinci/CFPB_Complaints huggingface dataset:
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 Use 1681. 

XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX ) : # XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX : # 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. 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.
Product: Credit reporting or other personal consumer reports

( XXXX, XXXX ), ( XXXX ), ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian 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 a personal loan account opened at XXXX XXXX on XX/XX/XXXX Under the account number XXXXThese 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 ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct this account : XXXX XXXX
Product: Credit card or prepaid card

I've filed a dispute with First Digtial/Synovus credit card company. where I have been XXXX in the XXXX XXXX XXXX XXXX since XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX in the XXXX XXXX  XXXX XXXX. Where I am XXXX  at the XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, OK XXXX and my XXXX XXXX is XXXX. I looked on my credit report, I seen a account from first digital/Synovus that I had not opened nor giving anyone permission to use my name to do so. I've sent this company a copy of my consolidated record card which shows my start date, how long I've been in XXXX, with a copy of my XXXX XXXX XXXX with my Social security card. Which could've all been verified by the XXXX XXXX XXXX had this company did a proper investigation into this matter. Where I sent them a letter in XX/XX/XXXX where they failed to respond back. First of all for these reasons if I have been XXXX  for the past XXXX  years in the XXXX XXXX  XXXX XXXX at the same address of XXXX XXXX XXXX XXXX XXXX XXXX for the past 10 years where no credit card was ever mailed to this XXXX  would shows that someone is using my personal information, was the whole reason I'm complaining about this account. Where I was a victim of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been contacting XXXX  and Experian several time to correct their internal data. They are recording " No record found '' for my credit report because they do not have my first name in their system. If they corrected their data, my name would be reflected accurately : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not receive a bill after using my card for the first time at the end of XXXX. After I realized I had not received one, I called and brought the account current. The same day, they reported to the credit bureaus that is was derogatory. I called on XX/XX/19 after I got an alert of my credit score dropping. I advised I would pay the account in full and the specialist saw where I had already made a payment on the same day the account was reported and stated he would remove the derogatory notification from my credit report and then take my payment for the full card balance. He placed me on hold and the call disconnected. I have called back 3 times and explained the situation. One representative told me I had never called them, and that was the third attempt in an hour. I requested to speak to her supervisor and she stated there was no one else I could speak with other than her. I ended the call and immediately called back and spoke with another representative and have now been on hold 40 minutes and still holding and no resolution. No one even has taken my payment much less honored them saying they would remove the derogatory report on my credit, which initially I was told was being handled.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently consolidated my student loans which were effective XX/XX/XXXX. The consolidation went through XXXX/Department of education and is now listed as a new account on my credit reports showing a partial account of XXXXXXXX see below. This information is correct but all 3 credit bureaus are still showing the old student loan from XXXX with a partial account of XXXX opened on XXXX as still open which is now showing a double amount owed for my student loans. This is incorrect. 

The only loan on the student loans that should be showing open and current is the one that I am listing below. The one showing the same balance and opened in XXXX is incorrect and the credit bureaus are intentionally showing that account opened so that they double my debt to credit ratio which is illegal. The old XXXX account from XXXX should now report, closed, paid as agreed as it was paid off through consolidation. When it comes to Federal student Loans the bureaus are now in violation of a federal law for reporting two of the same account as opened and showing a double amount due of {$130000.00} and this is incorrect. 

This is the only student loan that should be showing up as open and paid on time as it was just consolidate on XX/XX/XXXX so the old student loan no longer exists. 

DEPT OF ED / XXXX # XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX NE XXXX Loan Type : STUDENT LOAN Date Opened : XX/XX/XXXX Responsibility : Individual Account Account Type : Installment Account Balance : {$67000.00} Date Updated : XX/XX/XXXX Payment Received : {$0.00} Last Payment Made : XX/XX/XXXX High Balance : {$67000.00} Pay Status : Current Account Terms : {$0.00} per month
Product: Vehicle loan or lease

XX/XX/XXXX I called Chase Auto to make a payment and change my due date. The person I spoke with said once I pay they can change it. I paid online {$800.00} and some change. Then they said they will change the due date. The app online shows I am caught up on payments, however I got a phone call saying I am behind and have to pay {$1600.00} by XX/XX/XXXX. I did not understand why so I contact Chase again and they said the XXXX payment was reversed, however it never went back into my bank account. I also went to Chase Bank and they said they cant help because its an auto issue. So then contacted the Auto center again and another person said I was caught up and good to go. I waited and was going to make my XXXX payment. Then my bank account shows they took out {$1600.00} without me being on autopay or asking. They just removed the money XX/XX/XXXX. My bank account was negative and then the next day positive because the payment reversed for insufficient funds which I told them I dont have the money. Then it came out again and caused my account to go negative again. So I contacted them again, this time another man looked at the deposits on his end and said that they payments were messed up and hes sending it to the higher ups to look at because they messed up. My payments werent going towards any principle and he shows I made my XXXX payment but they have it to where I didnt and wanted me to pay for XXXX and XXXX. So now me and my co-signers credit is messed up because they are trying to repo the truck for being XXXX days late even though its only XXXX days and they still havent fixed the issue. We faxed over all the documents the guy on the phone asked for so he can get them to fix it but they are saying they are going to repo the truck.
Product: Credit card or prepaid card

I received a text message on XX/XX/2021 from Bank of America telling me that there had been 2 attempts suspicious charges of a very large amount, first attempt declined purchase, and second attempt purchase was accepted for a charge in the amount of {$7800.00} from XXXX online purchase on XX/XX/2021. I contacted Bank of America immediately and spoke to the Fraud Department. They went ahead and placed a temporary credit on my account for the amount of {$7800.00} and they closed out the credit card ending in XXXX and issued me a new credit card of which I have received. I also immediately placed a fraud alert via the credit bureaus and went to Identitytheft.gov to file a report there as well. 
I had explained to Bank of America that I did not make that charge and that I had just finished paying off my entire previous balance so that my account is in XXXX since I had just moved out of state and trying to purchase a new home. 
I received an email and a letter from Bank of America on XX/XX/2021 stating that they denied my fraud claim and that I would be responsible for the entire amount because they concluded that based on my previous purchase history, I had made purchases with the same merchant in the past. I contacted Bank of America on XX/XX/2021 to dispute the denial and I told them that I had never made any purchases with that merchant booking.com so that was untrue and I asked them to provide a copy of my credit purchase history of which they did not do. They then told me to go to local police department to file a police report, which I immediately took care of after ending the call with Bank of America on XX/XX/2021. I contacted XXXX, Idaho Policy Dept. and spoke to Officer XXXX and she took my police report and issued me police report # XXXX. I contacted Bank of America back the same day and gave them the police report #. The representative who took the report # said they would reopen the claim and further investigate. I received a letter in the mail dated XX/XX/2021 from Bank of America with the same denial and the same reason. So they have not further investigated nor done anything else to help me with this disputing this fraud claim. 
Please be advised that I also had multiple fraudulent charges on a separate credit card XXXX XXXX totaling {$25.00} that they were able to remove without any further questions. 
I need your help to further dispute this fraudulent charge for the amount of {$7800.00} and credited back to my card and also to dispute that Bank of America Fraud Department is doing a poor job in helping identity theft victims like myself and not doing a good enough job investigating. 

Thank you, XXXX XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Notice to agent is noticed to principle notice to principle it's noticed to agent Today XX/XX/2023 XXXX XXXX  I called the CFPB in regard to some accounts that I've been disputing for the past year and several months. it seems like every time I dispute an account with the CFPB my issue does not get addressed, they do not take their time to go over my disputes and follow those rules and laws that are being addressing to those companies as I address the issue with one of the agents it seems very clear that some of the agents working with the CFPB does not know how to follow rules and regulations. this is my understanding to how the CFPB should address issues in regarding a consumer disputing, It is very disappointing that a consumer knows more about the law and regulation than the agents working on the CFPB portal, Here is my understanding how to address the issue when a consumer dispute an account. Functions and Responsibilities of the CFPB Essentially, the CFPB is a watchdog agency tasked with protecting consumers from unscrupulous lenders and other financial institutions. While the bureau has some unique responsibilities, the CFPB also will assume existing duties once carried out by the Federal Trade Commission and other government agencies. 

The bureau performs the following functions : Enforce federal anti-discrimination laws with respect to consumer finance Make rules, supervise, and enforce federal consumer financial protection laws Alert consumers to possible risks in financial markets Place restrictions on abusive, deceptive or otherwise unfair practices Conduct research of consumer behavior Investigate consumer complaints Educate consumers about finance How to Submit a Complaint with the CFPB If you suspect a financial institution is practicing deception, fraud or otherwise not operating in a fair and transparent manner ( at least in accordance to established laws ), you may file a complaint with the CFPB. The best way to do this is through the complaint section of the CFPB 's Website. You will be asked to select either mortgage ; credit card ; bank account or service ; vehicle loan or consumer loan ; or student loan. After you make your selection, you will be guiding through a series of questions. Have those companies delete that information, here are the accounts name that needs to be Delete, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, those companies are violating my personal information and they are not allowed without my permission to post any negative information neither remark on my consumer credit report, this is a violation. Please address the issues with the following agency XXXX XXXX Trans Union, those companies are allowing Those financial institution to pose negative information without my consent
Product: Student loan

I defaulted on a student loan back in XXXX  and would like to get a statement of account. I called the XXXX and the XXXX XXXX  hotline and they can't find my account.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the balance reported on my account # XXXX from XXXX XXXX. The reported balance of {$920.00} is incorrect. The correct balance should be {$0.00}. 
Ive attached a payment receipt and payoff confirmation letter, that verify the correct balance. I request that you correct this information and update my account accordingly. 

In addition, under the CARES Act, states lenders can not report late payments to credit reporting agencies, and also are required to report your accounts as current during the COVID-19 pandemic, which didnt end until XXXX XXXX XXXX.
Product: Debt collection

Around the summer of 2023 ( XXXX ) I started getting dropped calls. Then my mother called/texted from back home ( XXXX XXXX XXXX Louisiana and under my plan ) to say she could not use her cell phone at all. I initially called the service department for her, and they initially said there was an alert for my area in Georgia and had been getting dropped calls, in which I responded yes, however, none of the trouble shooting for my mom helped her in the store XXXX or over the phone. She could only use her cell phone outside to communicate any time of short communication, she is elderly and in XXXX Louisiana temperature with high humidity and elevated degrees of XXXX during that time. At one point I was told they would replace her phone with the warranty and I should get a tracking number the next day. I never got that tracking number, when I called to follow up, I was told it was a tower problem in her area and the phone replacement order was canceled. I was repeatedly told the technicians ( tier XXXX ) were working on resolving the issues in XXXX, Georgia where I reside and my mothers area of XXXX XXXX, Louisiana. My elderly mother needed communication living alone and had several upcoming doctors appointments that needed scheduling and confirmation. The problems with the wireless service continued for over a month and half, with multiple calls made to XXXX. I had complete confidence in the past with thier service as a customer over XXXX years and never imagined they would be so insensitive and lacking in providing good service or compensation. So I had no other choice but to switch to another XXXX, if not for my sake, my mothers sake. At XXXX point I tried to get a credit due to the poor service, but was denied because I was in a payment arrangement until my monthly VA XXXX disbursement was released.I was also aware it wasnt just me because another XXXX XXXX customer came into the new carrier with the same issues. In another incident, a man spoke with a T-Mobile representative while I was in XXXX complaining as well I dont know what is going on with XXXX. 

The transitional fees of switching carriers cost me dearly and set me back for payments with my remaining XXXX balance, however, my family had working phones and service. The bulk of what was owed was for the balance of the XXXX XXXX XXXX. At this time I would like to resolve this matter with a settlement of {$700.00} and removal of collections/negative impact reporting on the XXXX credit bureaus. This information was provided to XXXX during a survey as to why I was no longer with them and now A low rated company Sequium is sending information on behalf of XXXX. I also attempted to send correspondence to XXXX, however, it was sent back to me stating the mail box for XXXX was closed.
Product: Payday loan, title loan, personal loan, or advance loan

penfed is reporting old & inaccurate information one the wrong XXXX XXXX  number totally, also inaccurate information stating wrong things like derogatories i do not have. stating i have personal loans which i do not i have a business line reporting that is NOT personal at all. i have docs to upload to prove they are using old reports against me which is is violating my fair lending laws
Product: Debt collection

XXXX   XXXX ,2017 I was alerted by my credit monitoring that I had a  Collection account placed on my credit file. This company has never been in contact with me I 've never spoken to or receive anything about this debt, also I am not responsible for this debt I had insurance and if it was mine it would 've automatically been paid. I never gave anyone permission or signed a contract with this company to try n collect anything. There 's no contract and also if they have my medical records or inform ation I know the law and it 's  a Hipaa Violation.
Product: Debt collection

I have sent several letter to Pinnacle Credit Services LLC with no response from them. They are reporting incorrect information on my credit report every month. They are listing it as a new debt as well as for collection. This has been happening for several months now. I have tried to reach the company but no one is returning my calls or answering my letters. I even have a letter from XXXX of their attorney stating they can not find any information regarding my account. I asked for the account to be removed ; it was removed for 2 months then put back on twice. I got that corrected. I have tried with all of the credit bureaus to have it removed but they say the debt is valid. When I asked for proof they send information through another agency but not to me. This is costing so much stress. I would appreciate someone looking into the matter. It seems to me that I am not the only person they are doing this too. This is so wrong. I am trying to purchase a house but this keeps popping up.
Product: Mortgage

In XXXX of XXXX I received a letter from Bank of America requiring me to purchase flood insurance as an augmentation to my existing mortgage ( Acct. # XXXX ) on a property located at XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. The letter indicated changes to the flood zone maps prompted this requirement and as such, I purchased flood insurance in XXXX of XXXX XXXX Policy number XXXX XXXX ). This requirement was perpetuated by XXXX XXXX, ( Acct # XXXX ) when they assumed servicing my mortgage in XXXX up until XXXX XXXX when I received a letter indicating that updates to the Special Flood Hazard Area ( SFHA ) no longer encompassed my property. Since you can not cancel Flood Insurance, you can only " Non-Renew '', I was forced to complete paying for the third year of coverage. Subsequently, I requested a LOMA letter from XXXX, and was informed that my property never resided in a SFHA, and that the maps had not been updated with any changes to my specific property location since XXXX. I have attached the supporting documentation and believe I am entitled to a refund of premiums paid for 3 years as a result of the errors made by Bank of American and subsequently, XXXX XXXX levying this requirement.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update or correct this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never received, authorized, activated or possessed a credit card from XXXX but yet they continue to report an open account under my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these inquiries deleted or updated. These are the items I demanding to be deleted immediately 1. Did not consent to unauthorized inquiry XXXX XXXX XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 

2. Did not consent to unauthorized inquiry XXXX  Date of inquiry : XX/XX/2021 Please remove it from my credit report.