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 USC 1681. 

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 has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I made my monthly payment to my Bank of America XXXX loan. When I got the load through them I registered a online account with them. When you do this you add you bank information ( checking ) that I would be using to make the payments. 

I made several payments through the system. Its important to know that when you register the account you do not have to re-enter your banking information again as the system has it on file ( banking information which you are making the payments ). 

I when into the online account on XX/XX/2020 and made my monthly payment as usual and took a photo of the confirmation number as I always do. I have photo and date of photo as proof. 

In XXXX I received a late payment notice on my credit report. I called BOA ( Bank Of America ) and the customer service rep told me that they did not know why the payment did not go through. But because of the issue of the conformation number the system does not recognize the payment was not made and BOA does not call as a reminder of a payment not being made in time. The customer service rep said I probably did not have sufficient funds in bank account to make payment. 

I have a photo of my bank statement from XXXX that I had a balance of {$15000.00} at the time of making the payment. 

I think it is not my fault and I did make the payment in good faith and it was BOAs system that had a failure and I would like to have the late payment removed from my Credit Report if only fair and just.
Product: Mortgage

I want to know what type of mortgage loan I have since I was denied FHA insured due to Fifth Third Bank submitting the incorrect appraisal? I want to know your originated guidelines with FHA and MSHDA key to own homeownership program? Your original statement you received a inspection report saying the sink was leaking and later saw it was from my previous address I rented and not purchased. I call XXXX XXXX representative of fifth third bank in the mortgage department why you realize after you responded XX/XX/XXXX. I made my complaint XX/XX/XXXX. Two weeks later XX/XX/XXXX it was use for part of my loan process of proof of residence. When I provide proof of residence with my utility bills. XXXX XXXX the underwriter email me stating the landlord didnt give reference and hung up the phone with no explanation. She was upset because I lived there 7 years in the condominium the lender said itll be a problem with sold as is but I got a flipped property sold as is with all the safety and conditions ongoing issues. Im confused with the FHA guidelines and your guidelines? What is your guidelines for the home and consumer as myself? Why I have to file a complaint on why I was rejected with FHA? You stated my loan is service in accordance with FHA procedure? Is that lawful and how with a newly loan? I know my guidelines to receive assistance but what is your guidelines to give assistance? Why I cant speak to nobody in the mortgage department but XXXX XXXX? Before everybody was giving me the run around before I filed an complain with CFPB? Like my mortgage account is flag? One year later I received an answer of the letter or miscalculation or documentations or repairs during the routine review dated XX/XX/XXXX but thats not true because you stated XX/XX/XXXX. I was denied two weeks after closing? In your response? Im so confused with your statements. Can you please answer my questions!
Product: Credit card or prepaid card

I have had two ( 2 ) credit card accounts a savings account and a checking account with US Bank. The attached documents will prove this. 

I was never late with my credit card payments ( ever ). A branch manager treated me poorly regarding my checking account so I gave his branch a 1* XXXX review. At that time in XX/XX/XXXX, I filed a complaint with the bank to his supervisor a Mrs. XXXX as directed by another branch manager. She never responded. Then in as a punitive measure, the branch manager closed all of my accounts with no reasons given on XX/XX/XXXX. This has harmed my credit and caused me a great deal of difficulty as I was on vacation in another country when this action was taken. 

I called a regional office who told me " they could not see why in the world they would have closed my accounts ''. I was talking to a XXXX XXXX on XX/XX/XXXX who had all of my account information in front of her. She confirmed my statement about my excellent ( perfect ) pay history and asked me to send an email recounting my story and that she intended to escalate the matter because she believed I had been mistreated. This has since been confirmed by XXXX XXXX Operations for US Bank. 

I filled a complaint with CFPB ( case # XXXX ) on XX/XX/XXXX. US Bank has fraudulently told you that they do not recognize me as a customer ( reference your letter dated XX/XX/XXXX ). Clearly, the attached documents will prove they are untruthful and further avoiding responsibility. 

Based upon the foregoing and US Bank 's attempt to mislead your agency, I respectfully ask that you open a new complaint with this additional information. 

Thank you
Product: Credit card or prepaid card

The paypal company gave me a credit card ... .late in 2018 ... ... ... ... I purchased some items. 1 item for {$300.00} ; 2 items for approx. {$500.00} each The charge payment and interest accumulating is for {$300.00}. I bought an item for {$300.00} and within a few days. I put the {$300.00} back into the account as a credit to keep my promise that I would pay the {$300.00} back in one lump sum before any due date.. 

I keep getting letters in the future about this {$300.00} payment and extra interest I owed, Unbeknownst to me I did as I thought in compliance with paypay. There was no prompt to ask if I wanted the {$300.00} to apply to this one purchase or anything leading on their online payment window to that effect. 

Paypal is lying misleading the public and it is a scam to get every penny out of person that they can. 

Common sense. How come I just didn't do the minimum monthly? How come I didn't pay e.g {$250.00}? Paypal know whats going on and they trying to get fraudulent money out of me with illegal interest. ... ... ....
Product: Credit reporting or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is in violation of the Truth and Lending Act 162 15 U.S.C. 1666a Regulation of Credit reports, and Truth and Lending Act 163 15 U.S.C. 1666b Timing of Payments. XXXX XXXX XXXX  is reporting numerous missed payments on my credit report. Truth and Lending Act 162 15 U.S.C. 1666a Regulation of Credit reports states, " If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. '' Truth and Lending Act 163 15 U.S.C. 1666b Timing of Payments states, 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. ''
Product: Debt collection

ARS Account Resolution XX/XX/XXXX Amount {$200.00} I dont have a contract/agreement with the debt collector This debt was already settled with original creditor on XX/XX/XXXX XXXX
Product: Payday loan

I recieved a {$500.00} loan from a company called NorthCash on XXXX/XXXX/2016. Loan agreement had me do first payment of {$120.00} and XXXX payments of {$170.00}. So far I made XXXX payments. Since Northcash is not licensed in the State of Oklahoma the loan is illegal! On XXXX XXXX, I sent a letter to Northcash stating that they are not licensed in Oklahoma and I 'm willing to pay the principal of the loan which I owe {$35.00} since i paid {$460.00}. Hours later I received an email from Northcash stating as a courtesy, they will wave all fees and interest and I owe only {$35.00}. A few hours later I received an email from Northcash stating that I have a balance of {$410.00} and I can do XXXX payments of {$130.00}. I called and talked to the representative and she claims because if my age I do t know what I 'm talking about!
Product: Credit reporting, credit repair services, or other personal consumer reports

A company called Kikoff says that Im two months behind in payments for {$24.00} per month. I have never heard of them. I have a perfect payment history since Ive been in XXXX. I have contacted them and told them this is fraud and to close the account. My credit score dropped XXXX points. The do not have a phone number. Only an email address. 
Id appreciate your help!
Product: Student loan

Fed loan is reporting a balance as well as my new student loan company called fed loan and they stated it will be corrected in moths my credit report is showing I owe more for my student loans causing a higher to debt ratio.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and I have some fraudulent items on my credit report that do not belong to me and I do not recognize, nor did I authorize them. Can you please delete and block the following information on my credit report. XXXX, XXXX and Experian refuse to follow the rules set out by the FCRA and the CFPB. If they would investigate the accounts that are reporting on my credit they will that they don't belong to me
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. I was going through my records & noticed many files which do not belong to me. I found out that under section 605b of the FCRA CREDIT BUREAUS are required by law to remove any item which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for your and the bank 's records ( learned through more research both parties require ). Please remove these files. If XXXX, XXXX and TransUnion feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If no records are provided & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXXXXXX XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX US DEPT ED XXXX Balance : {$5000.00} US DEPT ED XXXX Balance : {$6200.00} XXXX XXXX XXXXXXXX Balance : {$9800.00} XXXX  Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX  Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX
Product: Debt collection

I contacted the Law Office of Gregory Alexandrites, LLC via phone requesting that they validate not verify a debt they are attempting to collect from me they claimed I owed and was informed I had to request it via email. I specifically asked for a Statement of Accounts and requested validation on five different occasions XX/XX/18, XX/XX/2018, XX/XX/2018, XX/XX/272018 and XX/XX/2018, along with 4 different occasions via telephone yet the firm failed to provide the requested information and has ignored the 4 voicemails I have left for their office manager XXXX . They then sent me a final notice letter after not responding to any of my request threatening to file a lien on my property. They have not provided me with any statements or validation after my numerous requests. I have attached supporting documentation. I am asking them to provide the requested information or cease harassing me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit report was obtained without permissible purpose that is required by FCRA section 604. 
XXXX XXXX XXXX
Product: Debt collection

I requested A debt Validation including the original contract with my signature, and the purchase agreement on the collections accounts listed. I received notification from all 3 credit agencies that the debt is validated as accurate and that information was updated unrelated to my dispute. However I have not received the requested documentation to validate the debt so it must be removed. In addition as per the FCRA all information reported must be accurate, if information had to be updated it is there for not accurate and must be removed.
Product: Consumer Loan

This account surpposeto be close sine XXXX however the creditors been taking money out of my pay check.
Product: Debt collection

this company is reporting fraudulent inaccurate information on my credit report. 
I have requested that they prove the purchase agreement to show full ownership of such accounts and also other documents so i may review to see if this is actually an account that belongs to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3000.00}, {$8500.00}, {$1000.00}, {$1300.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNTS 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$3000.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$8500.00} -This is not my account. 


-- CLOSED ACCOUNT 3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1000.00} -This is not my account. 

-- PERSONAL ACCOUNT 4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1300.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I've recently checked my credit report from XXXX  and I was shocked to see previously deleted fraudulent accounts were reinserted back to my credit file. The XXXX XXXX XXXX ( Acc no : XXXX ) and WF PLL ( Acc no : XXXX ) accounts were disputed and deleted in XX/XX/2019. However, XXXX  reinserted fraudulent accounts without notifying me.
Product: Credit reporting or other personal consumer reports

I looked at my report back on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts are not complete and accurate. 

XXXX XXXXXXXX Account number XXXX accounts are not complete and accurate. 

And one more thing according to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 



I sent a letter asking Transunion to make sure everything is complete and accurate. 

They sent me investigation back and said everything is complete and accurate but if you check my attachments everything is not complete and accurate And according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to this law they are suppose to provide me a description of the investigation according to 15 USC 1681i ( 7 ) : ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.

But they did not do that as well either.

and according to 15 USC 1681s-2 they are suppose to 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.I am requesting for this account to be DELETED my credit report. 
Please see these attachments below
Product: Mortgage

I received the attached misleading marketing material from Lower LLC after applying for a loan with another lender. I understand that Lower LCC is permitted to send pre-screened offers of credit under FCRA, however the letter appears to violate several provisions under Regulation N.
Product: Checking or savings account

I am writing to formally raise a complaint regarding my account with Ally bank that is being repeatedly locked out, causing significant inconvenience. Each time this occurs, I have to contact customer service multiple times and endure long wait times before my access is restored. Unfortunately, despite my repeated efforts, the issue remains unresolved. As of today XX/XX/year>, my account is locked again, and I am unable to log in. I have already reached out to customer service, but I am yet to receive a timely resolution. Having to wait for days to regain access is unacceptable, especially given the repeated nature of this issue. 

I request immediate assistance in unlocking my account and a permanent resolution to prevent this from happening in the future. Please escalate this matter to the appropriate department and provide a response at your earliest convenience. 

Looking forward to a prompt resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am knowledgeable that 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. This is effecting me by causing me to have higher interest rates that I'd normally qualify for. Resulting in undue XXXX & XXXX. Payments are now becoming unaffordable & quality of life is deteriorating.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have Inaccurate Information on my credit Report, My Credit report Shows that i have 3 Different addresses. I've Never Lived at those Addresses Listed the only Address that i Lived at is XXXX XXXX XXXX XXXX, XXXX, PA, XXXX. I need those other addresses Removed immediately, I never gave them Permission to report any of those addresses. 
I also Have found multiple errors on my Consumer Report that are Listed below XXXX XXXX ACCT XXXX XXXX BALANCE : {$46.00} THIS ACCOUNT WAS NEVER LATE XXXX XXXX  XXXX XXXX ACCT : XXXX XXXX : {$9700.00} Remove this Account Immediately XXXX ACCT : XXXX XXXX Remove This Account Immediately XXXX XXXX  ACCT : XXXX balance : {$650.00} Remove this account Immediately 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.

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.

As a consumer by law these accounts on this letter must be deleted immediately or i will seek monetary damages in small claims court in my city and state. Also we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX and Federal Trade Commission.
Product: Credit reporting or other personal consumer reports

There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 

FRAUDULENT ACCOUNTS : Account 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 XXXXXXXX XX/XX/XXXX