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

I was contacted via telephone to inform me that " Bank of America '' had received a credit application in my name, and they were calling to verify the information and if I had indeed submitted an application. To be very clear... I DID NOT apply for credit with Bank of America. I also received a letter with Bank of America letterhead informing me to call " right away '' to verify that I submitted this application. I called the fraud department from a number I found on the Bank of America website ( not from the letter ), and they informed me that the letter I received, and the call I received were not from them. I DO NOT HAVE ANY ACCOUNTS associated with this institution. They verified that I do not have any accounts with them. They encouraged me to file a complaint here, and with the credit bureau.
Product: Checking or savings account

This is either an operational error or an internal fraud. I have contacted Citi on XX/XX/year> with regard to fraudulent transactions/withdrawals in my account, totaling {$2200.00}. The processing of my request was extremely confusing, with Citi initially provisionally crediting my account " in double '' ( every single transaction was duplicated ), then withdrawing the dupes a few days later, and then rejecting my request, and withdrawing the full amount. I contacted Citi a second time to re-open the investigation, and I received a new provisional credit, but when I reconciled the transactions one by one, I identified that XXXX transactions were missing in the provisional credit ( there were XXXX transactions when it should have been XXXX ). Every time I contact Citi to have this clarified and fixed, I am transferred to the dispute department after a long wait, and my call always gets disconnected before the issue is resolved.
Product: Debt collection

I received a hit on my credit for debt that is over 7 years old from a company that I have recently been involved with a class action lawsuit this debt is over 7 years old and has not been on by CBR and had fallen off .. they should not be reporting this debt
Product: Credit reporting, credit repair services, or other personal consumer reports

IN accordance with the fair credit reporting act. You guys have violated my federally protected consumer rights to privacy and confidentiality under 15 u.s.c 1681 Account Name. XXXX XXXX XXXX Account Numbers # Has violated my rights. 15 u.s.c 1681 section 602 A. 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 instruction. 15 u.s.c. 1681 C. ( A ) ( 5 ) section state : 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 conviction of crimes which antedates the report by more that seven years. 15 u.s.c. 1681 s-2. ( A ) ( 1 ) A person shall not furnish any information relating to a consumer agency if the person knows or has reasonable cause to believe that the information is inaccurate. lam a natural person, lam a living human being I have the right under 15 u.s.c 1681.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax will not freeze my credit or allow on-line access to manage my credit ffreeze.

I attempted to set up an Equifax on-line account and Equifax failed to enable the account. I followed the on-line process to have a code mailed to my address. After the code was received and entered the on-line account still did not allow access but said I had to call. After calling Equifax I was told I had to send a letter with a photo copy of ID ( license or passport or ... ) I sent a letter with a photo copy of my passport. Much later I got a letter from Equifax stating that I basically don't exist or maybe I am not a US citizen ( despite the fact I supplied a copy of my US passport ). I do not know how to resolve this issue after spending a lot of time on it already.

Note : I was able to easily freeze my credit on both XXXX  and XXXX  web sites.

I do have significant credit history with multiple credit cards, etc. so Equifax can find my information.

After Equifax 's negligent handling of my most personal information resulting in it being compromised it is amazing that Equifax is seemingly being obstructive in freezing my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been getting in touch with XXXX and Equifax by phone and letters about the wrong address that is showing on my credit report several times since XX/XX/2021 I sent out several letters to XXXX and Equifax with a copy of my SS # and driver 's license with the correct address so it would be easier for them to remove the wrong addresses that appear on my credit report. 
When I contacted XXXX by mail starting in XXXX XXXX XX/XX/2021, I never received a letter in return explaining or verifying the wrong address on my report. 
I then started to call XXXX to dispute the address and the employee insured me that they would fix the problem and now we are in XXXX and the wrong address is still appearing on my credit report. 
I would really appreciate if we could get this resolved
Product: Credit reporting or other personal consumer reports

In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rightsto privacy and confidentiality under 15 USC 1681. 

ACCOUNT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT : XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX  ) - XXXX ACCOUNT : XXXX ( Original Creditor : XXXX XXXX  ) - XXXX ACCOUNT : XXXX ( Original XXXX : XXXX XXXX XXXX  ) - XXXX ACCOUNT : XXXX XXXX XXXX - XXXX 15 U.S.C 1681 Section 602 A. State I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states 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 consumerto any consumer reporting agency if the person knows or has reasonable cause to believe that the informationis in accurate.

15 USC 1681 C-2 15 USC 1692g 15 USC 1681IS-2 15 USC 1681i 15 USC 1681b 15 USC 1681i 15 USC 1681b - 15 USC 1681IS-2 15 USC 1692g 15 USC 1681 C-2
Product: Debt collection

I believe the account is invalid. CREDIT CONTROL SERVICE. needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the account to be removed from my credit & their records. 

CREDIT CONTROL SERVICE XXXX
Product: Credit reporting or other personal consumer reports

I am distressed to inform you that you have included inaccurate information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure maximum possible accuracy in the credit reports you publish. Credit reporting laws require that bureaus report only 100 % accurate credit information. YOU ARE VIOLATING FCRA REGULATIONS AND UNITED STATES FEDERAL LAW.

Please block and remove all erroneous information from my credit report and send me an updated copy.

Under the Fair Credit Reporting Act ( FCRA ), this disputed item may not appear on my credit report if it can not be supported by any evidence.

15 U.S. Code 1681n - Civil Liability for Willful Noncompliance, 15 U.S. Code 1681o - Civil Liability for Negligent Noncompliance, and 15 U.S. Code 1692k - Civil Liability : I am entitled to monetary compensation due to your multiple violations. Specifically, under FCRA 15 U.S.C. 1681i ( 6 ) ( Notice of Results of Reinvestigation ), a consumer reporting agency must provide written notice to a consumer of the results of a reinvestigation within 5 business days of completion. Failure to do so constitutes a violation of my rights.

Additionally, as per FCRA, a " consumer report '' excludes any report solely detailing transactions or interactions between the consumer and the reporting entity. Including late payments or derogatory statuses constitutes an infringement of 15 U.S.C. 1681a ( d ) ( 1 ).

Accounts listed below in green color highlighted and tag as in violation under 15 U.S. Code 1666 ( b ) billing error are inaccurate late payment history, must be updated to paid on time as never been late as agreed.

( 4 ) The creditors failure to properly reflect a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error in the creditors accounting on a statement.

This is a clear violation of the United States Code Law ( TILA, 15 U.S. Code 1666 ( b ) ). These accounts must be updated to reflect " paid on time. '' Any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) And Accounts listed below in yellow color highlight text accounts in status of Charge off that is tag FDCPA Section 807 Violation Misleading False Reporting together with incorrect personal informati
on Must be deleted Immediately!.

Collection Accounts listed below in yellow color highlighted that is tag as in violation Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft Instruction : As a consumer by law this account must be deleted immediately!

Items listed below that is tag as Unauthorize inquiries that's Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer. Must be deleted in my credit report. 
Please update my credit report as per law abiding accuracy of data.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the FCRA to conduct a reasonable reinvestigation of disputed information on credit report, leaving inaccurate or accounts unresolved. The CFPB has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable response, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian neither corrected nor removed disputed items despite the evidence I provided causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, an Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've disputed incorrected information on my credit report. And issue have not been resolved. My understanding from my research is that incorrect information must be deleted or corrected. Due to this i will this information deleted of my credit report. Thank you
Product: Credit reporting or other personal consumer reports

XX/XX/year> I reach out to company ask to remover and show me how I owed them anything, no response!! I contact XXXX  and they removed it and it re appeared a month later with same debt and more by XXXXLVNV and XXXX XXXX. I honestly dont believe none of this was investigated cause debt not mine nor have I ever done busswith these companies and they refuse to send me proff of debt or anything for that matter
Product: Debt collection

Metro collections has contacted me at my place of work at XXXX and my employer about my debt.
Product: Bank account or service

I have been a member with USAA for over 10 years and have had their checking product for years along with renter 's insurance and a credit card. Recently, after years of being able to transfer funds with immediate credit, they have arbitrarily started imposing an absurd 5-day business day hold on transfers from accounts I 've made for years ( from payment for my job ) while immediately withdrawing the funds from the other account. They offer no justification for this and no answers. It 's obvious this is a scheme to maximize profit from my overdraft credit line in my case and in others to accumulate NSF fees. The customer service can not explain this new arbitrary policy at all and is very rude about it. No other bank does this and when they impose a hold, the policy is fully disclosed and explained. I do n't think a hold policy that is not fully transparent and consistent is in compliance with regulations and can be manipulated and abused at will to increase profits, which is what is being done here. Regardless, transfers should n't take 5 days to complete as the banking system has vastly improved in speed since the XXXX.
Product: Debt collection

I have repeatedly requested that Cavalry Portfolio Service to provide me with an explanation of the amount they claim I owe, how that amount was calculated, account history. They have refused to provide this or any copies of documentation that this debt is in fact mine. Yet they have been willing to put this unverifiable debt on my credit report, as well as send me a continuing stream of collection letters. Please see attached.
Product: Credit reporting or other personal consumer reports

I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this. All is being investigated by the FTC. 
XXXX XXXX DEPTEDXXXX XXXX XXXX XXXX DEPTEDNELNET 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 7. DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed a collection on my credit reports with all three CRAs. I stated that the amount charged was not known to me, and requested information as to why the original amount was owed. 

XXXX  has done their investigation, and determined that the information provided by the creditor did not provide adequate explanation as to how/why the account is being collected. 

Equifax, however, has claimed that the same information is " verified '' from the creditor, but will not supply me with any other information. The extent of their investigation, by their own account, is to simply ask the creditor if the account can be verified. If the creditor, simply states that they can verify the account, then the investigation is over. They do not ask for nor receive any other information documenting the creditor 's. 

It is my understanding under the FCRA that once a dispute is initiated to a CRA, then it is the CRA 's responsibility under law to investigate the account. To simply ask the creditor under investigation a yes or no question, and take their word for it, is not an investigation. I was told that there was nothing else they do, and to contact the creditor myself, and request them to close the account. If they agree, then I was to request the creditor to notify Equifax. I am totally relying on the creditor 's honesty in this case. They can tell Equifax whatever they want, meanwhile they actually had to provide the evidence to XXXX, which they were unable to do resulting in the removal of the item from my credit report. To ignore the plea from a consumer to help them investigate information they are furnishing in the first place is unethical and I believe it is a clear violation of the industry standards set forth in the FCRA.
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date XX/XX/year>. Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. This inaccurate information falsely manipulates the statute of limitation. you failed to investigate this account properly and you neglect has violated my rights. I am demanding a deletion of the following account Account name : XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Hyundai motor finance on several occasions. I have contacted via call and mail about inaccurate payments history on my account as well as an automobile payment made in full not being updated. I didnt give consent to report on my consumer report and I am being violated. 

15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. 

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 instructions of the consumer to whom it relates.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I checked my XXXX XXXX score and was SHOCKED to see that in about 10 days, my score had dropped by almost 30 points. They also noted a hard inquiry from Synchrony Bank ( Credit Cards/Airlines ) that was applied for or posted on XX/XX/18. 
I never applied for a credit card or had an inquiry run and this is fraudulent. 
I called Equifax on XX/XX/18 to be told that they saw no such inquiry on my report. 
I can not even get through to XXXX. 
I called Synchrony Bank and was advised that they have no record of anything and I was given the runaround to call the credit bureaus. When I call the credit bureaus I am told to call Synchrony. 

Can you please help me? I asked for no inquiries and have not applied for anything. 

I look forward to hearing from you.
Product: Debt collection

In XXXX of XXXX I incurred a medical debt for a XXXX test at XXXX XXXX ( a chain of urgent care centers ). I was not billed for this debt until XXXX of XXXX. At that time, I checked my health insurance portal and saw that the debt had been covered by my insurance and paid in XXXX of XXXX. 

I contacted XXXXXXXX XXXX and was told that the records must have crossed in the mail and to dispose of the bill. I did so, and contacted them a second time when I received another bill in XXXX. At that time, I also wrote XXXXXXXX XXXX  and provided documentation that the debt had been paid in full by insurance. They appear to have sold the debt to Gragil Associates Inc sometime between XX/XX/XXXX and XX/XX/XXXX, as I first received correspondence from Gragil in XXXX of XXXX. 

At that time, I responded that I sought to dispute the debt as it had been paid, and also requested documentation regarding the debt. I began receiving collections phone calls from Gragil in late XXXX, despite never having received the requested documentation. I do not have records of those earliest calls, but the earliest one I can demonstrably document was from XX/XX/XXXX. I received " documentation '' that appears to be fraudulent from Gragil that was dated XX/XX/XXXX but postmarked XX/XX/XXXX on XX/XX/XXXX, at which time I had received about a half-dozen collections calls. 

The invoice for the debt was prepared by Gragil and has their mailing address at the top of the page, but it is designed to look like an invoice from Convenient MD. I have responded to Gragil in writing and provided documentation from my insurance company that the debt was paid in XXXX of XXXX. The calls have not stopped. 

On XX/XX/XXXX, I responded to the " invoice '' provided by Gragil with documentation of payment, and also included documentation of their unethical and illegal collections tactics ( sending an invoice that is not proof of the original debt ; the fact that collections calls began before documentation was sent as requested ). At this time I have not yet heard back but hopefully this will be the end of their attempts to collect the " debt '' that was never owed in the first place.
Product: Credit reporting or other personal consumer reports

Both parties agreed for me to pay amount and it would not be a charge off and it will be {$0.00} amount due and I completed my obligations but they did not report as such
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 
In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat these items are being reported correctly? Who verified these items? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. Since you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMs? 
I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My mortgage account was in a forbearance until XX/XX/2021. I sold my house in XX/XX/2021. Even though my loan was closed current, paid in full and I was on a forbearance, Transunion and XXXX  and XXXX  reported that I was over 30 days late for last month since I didn't pay last month because I was on forbearance. 

This has greatly affected my credit score - decreased 40 points. They have not found a way to resolve this matter. My mortgage company has stated that they submitted the information to the credit bureaus as paid in full and current but some how they are showing 30 days late.