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

I am submitting this to formally the credit Bureaus will dispute the inaccurate account that appears on my credit report. The account is incorrect, and I request its immediate deletion to reflect the accurate state of my credit history. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute inaccurate information on my credit report and expect a resolution within given time frame. 
XXXX XXXX Balance Owed : {$11000.00}
Product: Checking or savings account

My wife and I opened a few accounts at Santander accounts and they blocked online access. My husband called for his accounts and was told I had to go in branch which doesnt work as the location is too far away. My wife has gotten calls she has a negative balance but we cant see why because we are blocked. The other option they gave me was to mail a notarized letter which I cant get right away. Im concerned as this could go against my credit as there is s negative balance. I would like my accounts to be closed and the money returned to me by check at the mailing address they have on file. Both myself and my wife.
Product: Credit reporting, credit repair services, or other personal consumer reports

In the attached letter to me from Bank of America, dated XX/XX/XXXX, XXXX XXXX of Bank of America states that they will remove two hard inquiries from my credit file : one hard inquiry on XX/XX/XXXX, and the other on XX/XX/XXXX, XXXXBank of America knowingly committed deceptive, abusive and unfair marketing practices through their website 's online tool to allow pre-approval checks for their credit card offers. As a result of my complaint against this, Bank of America and XXXX XXXX took minimal responsibility for their actions by agreeing to remove these hard inquiries. As of the date of this CFPB complaint, these hard inquiries remain on my credit files ; they have not been removed ; and they are causing a derogatory and intentionally harmful impact to my credit -- directly as a result of XXXX XXXX and Bank of America 's failure to do as agreed in their attached correspondence. In addition to this, In XX/XX/XXXX, I left XXXX XXXX ( phone number XXXX XXXX and her counterpart at Bank of America, XXXX XXXX in their Regulatory Complaints department ( her phone number is XXXX XXXX ), to let them both know that XXXX XXXX was placing harassing and unwelcome phone calls to me. I asked both of them to speak directly to XXXX XXXX 's manager to discuss XXXX XXXX 's harassing and unwelcomed phone calls to me. As of the filing of this complaint, I did not receive any follow up to this complaint about XXXX XXXX 's unprofessional and potentially illegal conduct during her investigation of my regulatory complaint. Bank of America, and particularly XXXX XXXX, continue to demonstrate that they are knowingly and intentionally engaging in illegal conduct and practices, and they have not done their due diligence to act as they said and to investigate my complaints of harassment and unwelcomed contact from XXXX XXXX. XXXX XXXX also, intentionally, did not give her true and accurate phone extension in the attached packet of paperwork that was mailed to me. This is a third, knowingly intentional violation by XXXX and Bank of America to intimidate, harass and coerce me out of exercising my rights under all applicable consumer and FCRA protections. I believe XXXX XXXX did, intentionally, call me several times, after I left her a voicemail to ask her to cease contact, in an effort to intimidate, harass and abusively treat me during the exercising of my rights to report what I believe is false, deceptive and abusive marketing practices by Bank of America.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraud somebody used my identity and now I have 4 inquirys on my report I didnt make. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I bought furniture and financed through American first finance XX/XX/XXXX. They told me the interest would be capped to abide by military standards. The interest is over 100 % and they are denying the service member civil relief act to cap at 6 % and give us the difference back. We live in a key provision state, PA so should be eligible for this even if the dance was began while XXXX XXXX. I have been XXXX XXXX since XX/XX/XXXX. Even without that, the military lending act caps at 36 %. They do not answer emails and continue to send documents to the previous address despite my efforts to have them update it. When asked my interest percentage rate they will not answer. Only say that {$11.00} of per diem is being added each day. We have to get this taken care of. I have paid THOUSANDS of dollars for this furniture and want to resolve this. Please help.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX I have no knowledge of this suspicious activity on my credit report. I believe this has been fraudulent activity made on my SSN. I believe I am a victim of XXXX XXXX identity theft. My information may have been impacted by the data breach and may have got into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

This is in reference to : XXXX XXXX  XXXX XXXX XXXX Account ending in XXXX Balance due : {$3300.00} XXXX trust this message finds you well. I've been reviewing my credit report and came across some information that raised a few questions. In my exploration, I delved into the Fair Credit Reporting Act, specifically 15 USC 1681, section 602, which highlights the need for consumer reporting agencies to exercise their responsibilities with fairness, impartiality, and respect for consumers ' right to privacy.

As a consumer, I've been thinking about my rights and responsibilities in this context. According to 15 USC 6801, it is the policy of Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and protect the security and confidentiality of their nonpublic personal information.

Digging deeper, I found 15 USC 1681, section 604, which outlines the circumstances under which a consumer reporting agency may furnish a consumer report. It explicitly mentions that they can do so only in accordance with the written instructions of the consumer to whom it relates. I want to emphasize that I haven't given any written consent for the sharing of my information, and this concerns me.

Furthermore, 15 USC 6802 ( b ) ( c ) notes that a financial institution may not disclose nonpublic personal information to a non-affiliated third party unless the consumer is given an explanation of how they can exercise the nondisclosure option. To my knowledge, I have not been informed of such an option.

I also stumbled upon 15 USC 1681c ( a ) ( 5 ), which states that no consumer reporting agency may make a consumer report containing adverse information without authorization. It appears that an adverse item is being reported without my permission, which, according to 15 U.S. Code 1681s2 ( A ) ( 1 ) A, is against the law.

The Act further mandates that consumer reporting agencies maintain reasonable procedures designed to avoid violations of the statute. Unfortunately, it seems that XXXX, Transunion, and XXXX may not be following these guidelines, as indicated in 15 U.S. Code 1681e.

Lastly, I discovered in 12 CFR 1016.7 that a consumer has the right to opt out of reporting services at any time. I'm choosing to exercise that right.

I wanted to bring these specific sections of the Act to your attention and discuss how we can address these concerns. Your insights on this matter would be greatly appreciated. 

Thank you, XXXX XXXX
Product: Bank account or service

I went to deposit a check in my Bank of America account from a relative. I was desperate with a sudden eviction after my apartment went condo so a relative helped me financially. After depositing it, their check was returned due to unpaid funds and I was charged a " Returned Item Chargeback Fee '' for {$12.00}. This is a ridiculously unjust fee- how was I to know that the check I was depositing would bounce? Why am I penalized for this?
Product: Debt collection

Identity Theft and Fraud, FDCPA, FCRA and PRIVACY violations.
Product: Student loan

for the past 3 months I have dealt with numerous customer service representatives. more than one has told me incorrect information and they are all on different pages. I was told if I make a payment of XXXX and signed up for automatic debit my account would be brought current by two different representatives which I can provide dates for. after each time a week later someone calls to tell me that the payment arrangement is not going to work and to call them back to keep going through the cycle. I keep telling them I can not afford to pay them a XXXX dollars to make the account current I can only afford my monthly payment of XXXX while they keep playing around my account goes further and further past due. I 'm frustrated and no one in customer service seems to know what they are doing.
Product: Credit reporting or other personal consumer reports

I'm bringing this to your attention because my credit report has incorrect details. It appears that someone else 's information has been mistakenly linked to my report, which is causing my credit score to drop.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion has continued to violate me as a federally protected consumer with no regard of my reputation or their grave responsibilities under the FCRA. I requested validation of the alleged debt and sent it to TransUnion, their response was " VERIFIED AS ACCURATE ''.. I asked them to provide the information they obtained to decide that the account that I disputed was accurate. They never responded. The account was listed on my report as XXXX  XXXX XXXX, pulled my report and it was gone. They never provided me with an updated consumer report letting me know that the item was removed. They also, never answered my demand for disclosure on the information used to verify the account. Which is a VIOLATION under 15 USC 1681i ( a ) ( 6 ) as they are supposed notify me of the above mentioned information. TransUnion has decided that they have no responsibility to maintain the maximum accuracy as it relates to me the consumer and natural person. They LIED about actually doing an investigation and verifying the information which is why they ultimately removed the account from my consumer report. They are civilly liable pursuant to 15 USC 1681n and I am now seeking monetary relief.

They have also deleted quite a few of inquiries off of my consumer report and I received confirmation about those deletions ( but they failed to send confirmation about the above mentioned account ). Those deletions are FURTHER proof that TransUnion is to be held liable under 15 USC 1681n. Deletions are admission that the information was inaccurate from the start. You were supposed to maintain the accurate of my consumer report and you repeatedly failed to do so.
Product: Debt collection

They have called me 38 times a day from over 67 different numbers. They call me at all hours back to back and its constant!
Product: Credit reporting, credit repair services, or other personal consumer reports

TODAYS DATE:XX/XX/XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX Equifax XXXX. XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXXDispute Department XXXX. XXXX XXXX XXXX, Texas XXXX XX/XX/XXXXXXXX XX/XX/XXXX, XXXX. XXXX XXXX XXXX, PA XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : XX/XX/XXXX XXXX Docket # : XXXX Source : XXXX File Date : Amount : Status Date : XX/XX/XXXX - XX/XX/XXXX Plaintiff : Action Type : Status : XXXX XXXX BANKRUPTCY DISMISSED *** XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$11000.00} AUTO {$5800.00} XXXX - {$5800.00} XXXX XXXX XXXX XXXX BANKRUPTCY TU/EF WAGE EARNER PLAN ACCOUNT ( CHAPTER XXXX ) Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in Cushman v TransUnion, Stevenson v. TRW XXXX XX/XX/XXXX ), and Richardson v. Fleet, Equifax et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the e-Oscar system that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

MY NAME XXXX XXXX XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX ny XXXX todays date XX/XX/XXXX I looked and noticed on my credit report fraudulent inquiries I ask for these fraudulent inquiries to be immediately deleted and removed from my credit file I will list inquiries below thank you INQUIRIES : XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX  DEALER Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXXXXXX XXXX XXXX DEALER Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX date XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXXXXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX 12 U.S. Code 5534 - Response to consumer complaints and inquiries
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 and XXXX XXXX XXXX : XXXX  - XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  - XXXX. 

12 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 ) 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 the records of convictions of crimes which antedates the report by more than seven years.

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

The reporting of these accounts is a violation as I have not given written consent to furnish, my privacy has been violated and I have reason to believe the data reported is inaccurate since they do not match across any consumer reporting agency. DELETE THESE ACCOUNTS FROM MY CONSUMER REPORT. 
Please send me an updated report upon completion of my request. 
Sincerely, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act this creditor has violated my rights under 15usc 1681 section 602 states I have the right to privacy. 15u.s.c 1681 section 604a section 2 it also states consumer reporting agency can not furnish an account without my instructions on the 15uscs 1666b a creditor can not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft XXXX Please delete and block the items as soon as possible.
Product: Checking or savings account

In XX/XX/2021, I noticed while during online banking that my CitiBank savings account had been blocked. I continued to check off and on and the account remained in the same status. 

I finally contacted XXXX over the phone and was told he could not give me any information. A few days later, I visited a branch and asked to speak with a personal banker. She was unable, according to her, to see my records and why the account was blocked. 

A few weeks later, after I calmed down enough to talk to someone else, I contacted the telephone number in the letter received. The representative, XXXX, could not share any information with me over the phone. My question to her as well as to XXXX was why was my account blocked and who can I talk to or where do I need to go to talk to someone. 

For over XXXX years, the {$10000.00} was just sitting in my checking account and I decided to move it from my checking to a savings account. That's when the issue happened. 

I feel that I am entitled to know XXXX ) why the account was blocked, XXXX ) why my funds were not accessible to me when I presented my ID at the bank, and XXXX ) why is it taking the bank so long to return my funds? The letter also indicated that all accounts associated with the savings will be closed ay the end of XXXX thereby, causing me to contact all companies where I have autopay.
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about some erroneous items in my report. You must correct these items that were opened without my knowledge, consent, or authority within 4 business days.These items are damaging my file and needs to be updated. 

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

I have been disputing the late payments showing on my account for Capital One which was already fully paid years ago. They are reporting in my account as 60 days late however this account has already been paid and it is closed therefore it should not be reporting as late.
Product: Mortgage

In XXXX I purchased a home with two ( 2 ) mortgages from two institutions. The lesser loan was for XXXX with Harris Bank. I just received notice that my loan is maturing on XX/XX/XXXX. I assumed this meant that I was paying off the loan. I have now found out that when the loan matures I will owe the remaining balance ( which I assumed was a minimal amount ). To my shock I found out that I still owe $ XXXX on a $ XXXX loan that I have been making payments on the last 15 years totaling over XXXX. Fifteen years of payments that only reduced the principal by $ XXXX. The interest rate was 9.7 % but still I did not understand that this $ XXXX loan would ultimately cost me over XXXX.
Product: Checking or savings account

XXXX transfers refunds for incorrect accounts some of the transfers were made to incorrect accounts and bank never gave warning that money would not be able to refund
Product: Credit reporting or other personal consumer reports

On XX/XX/ my Credit Score dropped XXXX, XXXX XXXX XXXX XXXX is reporting false on a account thats on auto pay & the balance is decreasing every month
Product: Checking or savings account

I was informed by Bank of America on XX/XX/2023 that there was fraudulent activity on my account. There were two charges for {$1100.00} totaling {$2200.00} and a bunch of small charges adding up to XXXX totaling the amount to {$2300.00}. After dealing with the claims department I received temporary credits for one of the {$1100.00} charges and all the small ones ( {$52.00} ) totalling {$1100.00} on XX/XX/2023 which are now permanent. There was no reimbursement for the other {$1100.00}. I called Bank of America 's claims dept and asked why I didn't receive a credit for the 2nd {$1100.00} and they said that whoever handled the claim made a mistake and that they were going to file a new claim for the missing {$1100.00}. On XX/XX/2023 a temporary credit was put in my account for {$1100.00} and then on XX/XX/2023 the {$1100.00} was taken back out of my account. I called Bank of America to find out why and the agent I spoke with said that whoever handled previous claim on XX/XX/2023 made another mistake by making a new claim and the back office saw it as a duplicate and reversed the transaction. This agent said she was going to make a new claim with notes saying that its not a duplicate and I was temporarily reimbursed for the {$1100.00} again on XX/XX/2023. Then on XX/XX/2023 the credit was reversed again because the back office thought it was another duplicate. Since then I have spoken with a number of agents trying to find out what it happening. Everytime I speak to them they say whoever handled it before made a mistake and they are going to fix it. They claim that they are reopening the original claim which started on XX/XX/XXXX and XXXX have to wait another 45 days for an answer. I just spoke with them 18 days later and theres still no progress. I've been dealing with this since XX/XX/XXXX about 4.5 months. They've mishandled this claim and my money so many times I have no faith I will ever see this {$1100.00} again. No one at Bank of America has taken any responsibility for how poorly they have handled this claim and at the end of the day it's me who has to keep calling them to see whats happening. Usually to find out they messed up once again and all the can offer a " sorry for your inconvenience " apology. They need to be held accountable for mishandling this claim so many times.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
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: Student loan

I have contact and sent letters to Navient to remove 90 day inaccurate late payments from XX/XX/2015 as I was on a forbearance. My credit shows I was in good standing from XXXX to XX/XX/2015 and suddenly a 90 day late payment shows up in XX/XX/2015. I have also consolidated my loans at this time that has an exceptional payment history. 

XXXX  and XXXX have 14 of the 90 day late payments being reported.

XXXX  has 5 of the 90 day late payments being reported. 

According to FCA all reports should report the same information and they are not as XXXX  has a lower amount.