23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I applied for Unemployment back in XXXX, due to the pandemic. I was receiving my normal payments through my Bank of America EDD prepaid card. However, in XX/XX/2020, I noticed some fraudulent charges that were made to my account. These charges were made in Florida ( I reside in California ) for the amount of {$3600.00}. I called BOA EDD offices, and filed a claim. I received the amount of {$3600.00} back into my account. However, in XX/XX/2020, I noticed that that money was missing from my account again. I called Bank of America EDD office, and they told me that they came to the conclusion that it was me who made those purchase in Florida, so they had to remove that money from my account. I filed multiple claims after that, I requested copies of the documents that they relied on to make this decision, and I never received anything from them. I sent them letters, my identify theft report, I sent them a copy of the emails the I sent out to XXXX, since the incident happened out there. I have yet not heard back from Bank of America. I have received multiple letters from them stating that " they have completed the review an no error occurred in the instance, the claim has been resolved. '' My claim has not been resolved! I did not make those purchases. I feel like Bank of America is not taken this matter seriously, and it's quite frustrating because I am still depending on that money. 
Thank you for you time and consideration. I really hope you can help me solve this matter
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 
It has been 30 days and you are in XXXX of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 
These accounts should not be furnished on my consumer report as they are in XXXX!!! 
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I feel I have been a victim Several Data Breaches resulting in possible Identity Theft. The latest being XXXX XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well all which have hurt my credit score XXXX value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Product: Credit reporting or other personal consumer reports

I am asking for your help concerning an erroneous account on my credit report. This problem has negatively impacted my reputation, and I need your aid. Kindly block and eliminate these incorrect accounts from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I originally filed a compliant against XXXX, XXXX which a rep with XXXX resolved on XX/XX/2019, per the received letter. To date, they haven't removed the late, delinquency from my credit report with each bureau, per the information stated on the letter. I have contacted XXXX XXXX customer service on several occasions, and they are not even aware of the received letter. I've reached back out to the person who was assisting via customer relations, and I haven't received a reply. I did receive the letter, after our last conversation which I appreciate ; however, the final steps haven't been taken, removal from each credit reporting agency. In addition to contacting XXXX, I've contacted each bureau. I was told, XXXX would have to request for the removal, they couldn't just remove the information from my report. Please assist with the final steps, removal. Thank you.
Product: Mortgage

I was on a covid forebearance. On XX/XX/21 I was notified during my call to Flagstar Bank that I qualified for an ALM and was given the new monthly payment and interest rate. I was told the paperwork would be sent to me soon and for me to continue making my payments until then. To this date I have never been given the paperwork for my loan modification. I call Flagstar every 2 wks and am told each time that it is pending with " underwriting '', not to worry that I am still protected from foreclosure, etc etc but the collection calls and letters continue and I don't understand why I have not been given the paperwork to begin the terms of my new mortgage. In one of the many calls I was advised I was not approved for an ALM but a regular modification but the reason why was not explained. In another call I was advised that this loan modification has actually been approved since XX/XX/21 ( I was not notified until I called on XX/XX/21 ) so I can not understand why it's taken 6 months to receive my new loan agreement. My family is struggling during this difficult time and it is especially stressful to have no written documentation of what I'm being " promised '' over the phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX, to remove the items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$4900.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$1300.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$1300.00} XXXX, XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1300.00} XXXX XXXX Balance : {$0.00} ( Original Creditor : ) XXXX : {$81.00} ( Original Creditor : ) XXXX Balance : {$100.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

transunion had a glitch in their system that violated the rights of their consumers under section 6.11. As a result, I have been greatly affected and my score is suffering as a result. No notice was ever given which is also a violation and i am requesting that ALL inquires be removed.
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.

US DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX  XXXX XXXX XXXX XXXXXXXX XXXX US DEPT OF EDXXXX XXXX, XXXX XXXX XXXX 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 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

Date of XXXX Delete!! 


Unathorized inquiry XXXX XXXX XXXX XXXX Date of XXXX Delete!! 


Unathorized inquiry. 
XXXXXXXX XXXX XXXXXXXX XXXX XXXX Delete!! 


Unathorized inquiry XXXX XXXX XXXX XXXX Date of XXXX Delete!! 


Unathorized inquiry XXXX of Bro Date of XXXX Unathorized inquiry XXXXXXXX XXXX XXXX XXXX XXXX Delete!! 


Unathorized inquiry XXXX XXXX  Date of XXXX Delete!! 


Unathorized inquiry XXXX XXXX XXXX Dealer Date of XXXX Delete!! 


Unathorized inquiry XXXX XXXX XXXX Date of XXXX Delete!! 


i noticed this issue in XXXX correct information needs to be removed : XXXX XXXX XXXX # XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX, XXXX UNDER 15 USC 1666b THIS LATE PAYMENT ENTRY IS A VIOLATION. I HAVE BEEN INCORRECTLY BILLED. 
XXXX XXXX XXXX  Account XXXX please update the status of this account to " paid on time ''. 


Under 15 USC 1666b this late payment entry is a violation.I have been incorrectly billed. 
XXXX  Account XXXX Please update the status of this account to " paid on time ''. 


Under 15 USC 1666b this late payment entry is a violation.I have been incorrectly XXXX 
Account XXXX Please update the status of this account to " paid on time '' Under 15 USC 1666b this XXXX payment entry is a violation. I have been incorrectly billed. 
XXXX Account XXXX Please update the status of this account to " paid on time '' Under 15 USC 1666b this late payment XXXX is a violation. I Have been incorrectly billed. 
XXXX Account XXXX Please update the status of this account to " to paid '' Under15 USC this late payment entry XXXX a violation.I have been incorrectly billed. 
XXXX Account XXXX Please update the status of this account to " paid time '' This account needs to be validated. 
XXXX XXXX Account XXXX This account needs to be validated. 
XXXX XXXX Account XXXX This account needs to be validated. 
XXXX XXXX Account XXXX This account needs to be validated XXXX  Account XXXX This Account needs to be valited XXXX XXXX Account XXXX This account needs to be validated XXXX Account XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The reporting agencies have over ten department of education files on my credit report.
Product: Credit card or prepaid card

On XX/XX/XXXX I paid the complete balance of my Comenity Bank balance of {$30.00}. I recently received a letter stating that I owed {$110.00} because they ignored the guidance of using the card I specified, and chose to use a card that I no longer use.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been sending letters to Experian for months now and I have repeated myself over and over again. I am extremely concerned about the actions Experian is having on my life..I am attempting to apply for credit and the accounts are keeping me from moving forward on my transaction.. I do not own XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX , XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX, XXXX/XXXX XXXX, XXXX XXXX XXXX, Chapter XXXX Bankruptcy Discharged XXXX-XXXX-XX/XX/XXXX-VER-XX/XX/XXXX
Product: Debt collection

A cease and desist was sent to this company. The company has failed to abide by federal law. They are still reporting information on my consumer report after a cease and desist has been sent. I am sending the cease and desist to the company again. Pursuant to 15usc 1692c. ( c ) I am notifying you in writing that this is not my alleged debt and I am demanding that you cease all communication with me through any and all mediums. My credit report is a medium of communication. I am invoking my specified remedy as a consumer, and the original creditor I am demanding the following : Pursuant to 15 USC 1692c. ( c ) ( 2 ) Zero out the balance on this account Delete account from all consumer reports Your company can purchase this alleged debt. However, you can not purchase my information. You are infringing on my right to privacy which is a federal violation. I have the resources to take this as far as needed. I will not hesitate to sue if this is not resolved. Best, Without prejudice, all natural inalienable rights reserved.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate reporting of the XXXX XXXX XXXX account # XXXX on my credit report. This account is reported inconsistently across the three major credit bureaus ( XXXX, XXXX, and TransUnion ), with the following discrepancies : XXXX : The account is reported as closed, with a date last active of XXXX. 
XXXX : The account is reported as open, with a date last active of XXXX. 
TransUnion : The account is reported as open, with a date last active of XXXX. 

Additionally, both XXXX and TransUnion have placed this account for collection without my consent. The payment status is incorrectly listed as collection or charge-off. These discrepancies are not only misleading but also potentially damaging to my credit profile. 

Violations of the Fair Credit Reporting Act ( FCRA ) : Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), furnishers of information are required to report accurate information to credit reporting agencies. The inconsistent reporting of this account, including the incorrect dates and statuses, constitutes a violation of this section. Furthermore, the FCRA mandates that credit bureaus ensure the accuracy and integrity of the information they report ( 15 U.S.C. 1681e ( b ) ).

Violations of the Fair Debt Collection Practices Act ( FDCPA ) : The placement of this account for collection without my consent violates the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692e, which prohibits false or misleading representations in connection with the collection of a debt. The incorrect collection status also violates 15 U.S.C. 1692f, which prohibits unfair practices in the collection of debts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed the account XXXX ( XXXX XXXX  ) {$120.00} with XXXX, XXXX  and Transunion and the incorrect information is still there. I do not know who XXXX ( XXXX XXXX  ) is. I have never signed an agreement with XXXX ( XXXX XXXX ). They should NOT be on my credit profile. 

I disputed the account XXXX ( XXXX XXXX   XXXX  ) ( {$370.00} ) with XXXX, XXXX  and Transunion and the incorrect FRAUDULENT information is still there. I do not know who XXXX ( XXXX XXXX XXXX ) is. I have never signed an agreement with XXXX ( XXXX XXXX XXXX  ). They should NOT be on my credit profile. 

I disputed the account XXXX XXXX with XXXX, XXXX   and Transunion and the incorrect information is still there. I do not know what this XXXX XXXXcount is. I have never signed an agreement with XXXX. They should NOT be on my credit profile. 

I disputed the account XXXX XXXX  XXXX ( {$240.00} ) with XXXX, XXXX  and Transunion and the incorrect information is still there. I do not know what this XXXX XXXX account is. I have never signed an agreement with XXXX  XXXX. They should NOT be on my credit profile. 

I sent disputes about the above accounts on the following dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX The fraudulent errors still exist
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted LexisNexis on XX/XX/XXXX asking them to send me proof of information they are reporting on my credit report. I sent them a copy of the letter I received from the Clerk of Superior Court stating they do not provide information to any Credit reporting Agencies and also proof that the debt was paid in full. I have not heard back from them as of yet and today isXX/XX/XXXX which is longer than 30 days allowed by law.
Product: Credit reporting or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned about : XXXX XXXX XXXX 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 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
Product: Credit reporting or other personal consumer reports

Hello, I trust this communication finds you well. I have been attempting to establish contact with your XXXX regarding an account currently appearing on my credit report with all three major bureaus. The matter at hand is that this account is either already or nearly seven years old, and in accordance with established credit reporting guidelines, it should no longer be reported. 

I kindly seek your assistance in promptly expunging this outdated account from my credit reports. Taking this step is essential to ensure the accurate representation of my credit history. 

Your prompt attention to this matter is highly appreciated, and I anticipate a swift resolution. Please do not hesitate to reach out if any additional information is required to facilitate this process. 

Thank you for your help. 

Sincerely, XXXX XXXX
Product: Credit reporting 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. 

XXXX  Secured loan with account # XXXX opened on XX/XX/XXXX and a balance of {$35.00}. 

XXXX XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 

XXXX XXXX XXXX XXXX XXXX  with account # XXXX opened on XX/XX/XXXX and a balance of {$2900.00}. 

these account were never late. Please provide statements and records of all payments made and missed since I opened this account.
Product: Credit reporting or other personal consumer reports

According to the fair credit reporting act 15 USC 1681 section 602a states there is a need to ensure consumer reporting agencies exercise their responsibility with fairness, partiality, and the consumers respect to privacy. XXXX, and XXXX are consumer reporting agencies, and I am the consumer. I have a right to make sure my private information is not shared which is backed by 15 USC 6801 which states it is the policy of congress that each financial institution has an affirmative and continuing obligation to respect the privacy of all its customers and also to protect the security and confidentiality of their nonpublic information. ( Furnisher of information to the credit agencies ) is financial institution under said title. 15 USC 604a section 2 states in general subject to subsection c any consumer reporting agency may furnish a report under said circumstances and no other : in accordance with written instructions from the consumer to whom it relates. Also ( furnisher of information to credit agencies ) the financial institution and the credit reporting agencies XXXX, and XXXX doesn't have my consent nor authorization to furnish this information, and I know for a fact that they don't have my written consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2020, XXXXXXXX reported me as deceased to credit bureaus. I disputed with XXXX and credit bureaus. XXXX is refusing to remove account status as close due to consumer deceased. I have submitted 3 disputes. Dispute dates XX/XX/2020 resulted in XXXX  stating the deceased comments would be removed. Then XXXX sent a letter stating the deceased information was verified and updated. I am not deceased and the account never closed. XXXX said all information has been corrected yet current report for TransUnion and XXXX shows this account as closed due to consumer deceased. XXXX  has updated and corrected data. Creditors and bureaus are violating my rights under FCRA. No agency is reporting me deceased. The account is active and Ive received a credit limit increase. Ive checked with SSA. I have spent money submitted documentation to these bureaus and creditor.
Product: Mortgage

Chase sent letter stating the restructure of interest only loan to principle and interest loan which more than doubled our payment to over {$2400.00} a month beginning in XXXX. We contacted them for assistance right away. Completed paper work twice, to no avail. They switched case manager in middle and started again. Had never had a late payment ever until XXXX, when my SS benefits could n't cover increase.
Product: Credit card or prepaid card

On or about XX/XX/2020, while looking at my Citi credit card account online, I noticed that there were charges to my accounts that were not incurred by me. They were numerous charges made in XXXX, charged by XXXX XXXX XXXX XXXX XXXX. I was never in XXXX, nor did I order anything online from XXXX. 

I immediately called Citi Customer Service, and informed them that these charges were fraudulent, and was reassured that Citi would take care of removing these charges from my accounts. 

When I received my next statement, inXX/XX/XXXX, I noticed that only some of the fraudulent charges were removed ( total fraudulent charges were {$640.00}, fraudulent charges removed were only {$210.00} ). I placed numerous calls to customer service and was repeatedly assured that the charges would be removed. 

I wrote three letters to them, certified mail, but they never responded, and the fraudulent charges are still on my account.
Product: Credit reporting or other personal consumer reports

I am writing to formally request dispute an inaccurate item on my credit report, which is a violation of the Fair Credit Reporting Act ( FCRA ) According to the Credit Bureau XXXX, XXXX and XXXX records, there is incorrect information being reported under section # XXXX Civil These errors are negatively impacting my ability to secure other financial duties. This dispute is being submitted under ( FCRA, 15 U.S.C. & 1681i which requires credit reporting agency reinvestigation and provide original documentation from the original creditors. If this is not provided per ( FCRA ) all items must be deleted. The specific inaccuracies are as follows : This is an account that is fraud and not my debt please removed immediately. I do not own and have never used this account. 15 U.S CODE 1692 15 U S CODE1692g 15 u s code 1681 e ( b )
Product: Credit reporting or other personal consumer reports

I did file a complaint for the negative items that is on my report that I already settled and escalated to the company. they are still showing it on my report despite the creditor saying they will be removing it! some of the items has been paid but they still want to show it from my report. 

reditor/Collection Agency Name : 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