23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the 3 Credit Bureaus after I purchased a credit report with XXXX on XX/XX/XXXX. After receiving a copy of my report, I saw this UNVERIFIABLE item on my personal profile, I noticed that there was a incorrect payment history in this Account : BK OF AMER XXXX Late Dates : XX/XX/XXXX, XX/XX/XXXX, XXXX on my credit report which are misleading to me. I sent a letter to the XXXX credit bureaus XX/XX/XXXX. I believe they have failed to authenticate these account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # XXXX and hoping that this BK OF AMER XXXX Late Dates : XX/XX/XXXX, XX/XX/XXXX, XXXX days late will be removed.
Product: Payday loan, title loan, or personal loan

In accordance with the Fair Credit Reporting Act ( FCRA ). This Creditor has violated my rights under 15USC1681 Section 602 states I have a right to privacy.

15USC1681 section 604a section 2 states a consumer reporting agency can not furnish an account without my written instructions.

Under 15USC1666b a creditor may not treat a payment on a credit card account under an open-end consumer plan as late for any purpose. 

On XX/XX/23 the account was reported 30 days late. I was told by a representative to call back on XX/XX/23 to set up a payment plan as I am starting a new job.
Product: Credit reporting or other personal consumer reports

Hey Guys hope all is well Im in the process of making and huge purchase for me and my family but theres an account negatively being reported on my credit report that Ive never opened ive filed and identity theft reports via local police station and identitytheft.gov send it out to credit bureau and its still being reported on my credit profile XXXX was the only credit bureau to remove this inaccurate information from my credit report XXXX and equifax are the only to credit bureau reporting this inaccurate information I was an victim of identity theft account were opened that didnt belong to me and have notified all three bureaus that this is an violations of my right under the FCRA XXXX is the only credit bureau that acted accordingly and followed the law under the FCRA XXXX and Equifax decided not to follow the law and which would be to remove the inaccurate information from my credit report listed below that Im unaware of and that Ive never opened up these accounts nor have anyone permission to do so : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Doing my research and studying Ive seen case where both Equifax and XXXX where both sued for this unlawful practice and not follow the law FCRA Ive sent several letters to the bureau and the creditors and also filed reports to the Cfpb and Ive still not getting any information or results from XXXX and equifaxXXXX is the only credit bureaus that removed all the inaccurate information that was being reported on my credit listed above. 


This an violation of my rights and the accounts needs to removed immediately I demand under the law FCRA that XXXX and equifax remove these accounts from my credit report and send me and letter with proof that theyve done so Just like XXXX Did please and thanks I dont know why its taking so long but this isnt fair Ive lost millions of dollars because of this unlawful practices by the creditors bureau XXXX and equifax Please notify me that the above items have been deleted pursuant to " 611 ( a ) ( 6 ) [ 15 USC ' 1681 ; ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of " 612 ( 15 USC 1681 ], there should be no charge for this report. 
If you have any questions or need additional information, please contact me at the address noted above. 
Also, I would like to remind you, using the E-Oscar method to verify this debt, which you are aware of, is against the FRCA guidelines. Please also include in your own reply the method used to " verify '' the debt you claim I owe XXXX 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 inaccurateXXXX
Product: Debt collection

This bill was from XXXX/XXXX/XXXX. My son had an XXXX hospital visit. My son had XXXX for his insurance. The hospital changed their billing system over during the last week of XXXX into XXXX of XXXX and had lost that bill in their system resulting in it being unpaid by XXXX. After many calls back and forth to the hospital they finally found the bill a year later and it could not be billed through XXXX any longer. The hospital said they would take care of the bill since it was their fault this happened. Now today XXXX/XXXX/XXXX I received a call from CPC Central Portfolio Control who is saying the bill is unpaid and demanding payment. I have never received a letter from them or anything showing what this is for. The man I spoke to was very aggressive and rude. He would not give me any information except the amount and date of service. He told me he did n't care what I had to say and that contacting the provider of the original bill would do nothing. He threatened to hang up on me if I did not comply to payment. I then called the hospital after speaking to CPC and the hospital says they do n't know who this collection agency is and they said I have a XXXX balance on the account. The hospital told me this sounds fraudulent to them and to report them. This company is calling me with a robotic automated message and has also called my parents as well.
Product: Mortgage

I have already filed a complaint, however, it was something still nagging at me that I believe I forgot to mention. Here is info for previous complaint that I 'm adding to. Complaint number : XXXX Date submitted to CFPB : XX/XX/2017 Date sent to company : XX/XX/2017 Product : Mortgage As Ocwen had stated that I had check returns, never ever have I wrote a check to them that was returned. Also, I notice that they at times did not submit entire amount of payments in statements. I have NEVER made a partial payment, also a few times I noticed that they stated payments had been reversed. Never has that happened. Just want to add/be acknowledged in my original complaint. XXXX XXXX XXXX
Product: Bank account or service

I signed up for Bank of America 's ( BoA ) free online checking XXXX years ago - {$0.00} fee checking account if I do not use the teller. Recently, without my consent, BoA automatically converted my account to a " Core '' account, which has a XXXX monthly maintenance fee associated with it. I only saw the change when I was reviewing my account statement, when the {$12.00} fee was automatically deducted from my balance. I was not aware of the change. BoA buried the change in one of their electronic notices, which they could not confirm that I received, much less read/understood. 

BoA 's policy preys on people who have low balance, and may not have the resources or understanding of their rights. If BoA no longer see that I 'm a profitable customer, it may be their right to cancel my account without my consent. But BoA does not have the right to charge me a fee without my consent and understanding. If banks are allow to do this, they can " bait and switch '' by signing customer up with attractive offer, and then change the policy without customer consent and knowledge to a high fee account. 

This case is different than low introductory APR credit cards in that, low introductory APR credit card disclose their rate hike after introductory period. In this case, BoA materially changed their policy without getting customer consent. BoA could have easily gotten the customer consent/understanding by displaying a simple message during an ATM transaction ( or other touchpoints ) and request customers to confirm understanding, or call their customers to notify.
Product: Credit reporting, credit repair services, or other personal consumer reports

GOOD AFTERNOON, I AM INQUIRING ON THE INSTABILITY OF THE FOLLOWING CREDITORS, FAILING TO REPORT INFORMATION AS THEY SHOULD TO XXXX ( CREDIT REPORTING AGENCY ) : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXXS XXXX XXXX ALL OF MY CREDIT INFORMATION WITH XXXX WAS REPORTING FINE ON MY PREVIOUS REPORTS. THIS IS CRUCIAL, AND DISABLING THE ELIGIBILITY OF BEING ABLE TO BUY A HOME/OR GO THROUGH THE MORTGAGE PROCESS OVERALL. I HAVE BEEN IN CONTACT WITH MY CREDIT MONITORING REPRESENTATIVES, ALONG WITH XXXX THEMSELVES. THEY STATE THAT EVERYTHING IS GOOD ON THEIR END. IN THIS CASE, THE ABOVE MENTIONED CREDITORS ARE NOT GOING BY WHAT THEY'RE ENTITLED TO DO. I AM REQUESTING FOR THEM TO START REPORTING MY INFORMATION AGAIN, I DO NOT WANT TO HAVE TO TAKE ANY LEGAL ACTIONS WITH THIS. I GREATLY APPRECIATE IT.
Product: Credit reporting, credit repair services, or other personal consumer reports

SOMEONE STOLE MY IDENTITY AND USED IT WITHOUT MY PERMISSION AND OPEN SEVERAL ACCOUNTS I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRA. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit reporting or other personal consumer reports

XXXX CREDIT/CRAZY CAR XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year>
Product: Debt collection

This debt is with a third party Second Chance Collections LLC phone number XXXX with a representative named XXXX. 

The original debt is from a pay day loan lender and I am not 100 % sure I owe it, I have never received anything in writing and each time I speak to XXXX, I have been at work at not able to take his call. 
I explained to the gentleman that I was not availble until after 5 to speak with him. He called me multiple times and then started calling me from a blocked number, I know this because he left a message one of the times and another time when I answered it was him. He called me over 15 times throughout the day.

I am not availble to speak with him until the afternoon and I have explained this, he called me this morning and I answered and hung up the phone because I was in a meeting, he preceeded to call me from a blocked number 5 times within 1 minute. When I answered he said he was not going to stop calling me because I have to pay back them their money. He then proceeded to scream at me, disconnect and threatened me after I informed him that it was illegal for him to continously contact me in that manner.
Product: Checking or savings account

I cant remember dates, I had this bank account for years ( Navy federal ).
Product: Credit card or prepaid card

I reached out XXXX 2022 about a charge for {$4600.00} and shotty issues with workmanship via this Home Depot Citibank Charge. On XXXX, I was sent an email stating that there was a letter on my HD account. The letter which is attached, states we found in your favor and we are issuing a credit of {$4600.00} within 2 billing cycles. At three billing cycles no credit has posted and on XXXX they are trying to now stating they emailed to my HD account further info declining said credit. They are saying they now have to reopen dispute because the store supplied a " work order '' and they do not even know if the disputes department will reopen
Product: Credit reporting, credit repair services, or other personal consumer reports

WELLSFARGO All Banks XX/XX/2022 XXXX I have contacted Wells Fargo and XXXX I DID NOT AUTHERIZE THIS INQURY and i have no open account to dispute for fraud relating to this inquiry please provide proof or remove inquiry
Product: Credit reporting, credit repair services, or other personal consumer reports

ExperianDate XX/XX/XXXX, 2017Report # XXXXRight Address on report: XXXX XXXX XXXX XXXX XXXX XXXX XXXX                                        XXXX PA XXXXWrong: XXXX XXXX XXXX XXXX             XXXX PA XXXXThis is not the right address and needs to be removed I have provided the one I live at and is right. There should not be this many address showing wrong or not right.
Product: Prepaid card

I filed a claim with Bank of America 's XXXX and was denied for no reason. They said my proof doesn't show it's because my account was frozen that I was evicted and it absolutely does. They say their decision is final and I can't appeal and that makes no sense. Especially since you're not allowed to talk to anyone. Of course Bank of America is going to get a away with what's been done and I'm still XXXX thanks to them.
Product: Credit reporting or other personal consumer reports

Im a victim of identity theft and have a current report police on file with Chex Systems. The following Reported Information and Inquires Viewed By Others currently listed and showing on my Chex Systems Consumer Report : XXXX is fraudulent and not my information or inquiries : XXXX XXXX XXXX XXXX, XX/XX/2024, {$1000.00}, XXXX XXXX XXXX, XX/XX/2024, XXXX  XXXX XXXX XXXX, XX/XX/2024, XXXX XXXX XXXX XXXX XXXX, XX/XX/2024, XXXX XXXX XXXX XXXX, XX/XX/2024, XXXX XXXX XXXX XXXX, XX/XX/2024, XXXX XXXX XXXX XXXX XXXX, XX/XX/2024, XXXX XXXX XXXX, XX/XX/2024, XXXX XXXX XXXX, XX/XX/2024, XXXX XXXX XXXX XXXX XXXX, XX/XX/2024, XXXX XXXX XXXX, XX/XX/2024, XXXX XXXX XXXX XXXX XXXX, XX/XX/2024, XXXX XXXX XXXX, XX/XX/2024, XXXX XXXX XXXX XXXX, XX/XX/2024, XXXX XXXX XXXX XXXX, XX/XX/2024, XXXX XXXX XXXX XXXX, XX/XX/2024, XXXX XXXX XXXX XXXX, XX/XX/2024, XXXX  XXXX XXXX XXXX, XX/XX/2024, XXXX XXXX XXXX XXXX XXXX, XX/XX/2024, XXXX  XXXX XXXX XXXX, XX/XX/2024, XXXX XXXX XXXX, XX/XX/2024, XXXX XXXX XXXX XXXX, XX/XX/2024, XXXX XXXX XXXX XXXX, XX/XX/2024, XXXX XXXX XXXX XXXX, XX/XX/2024, XXXX XXXX XXXX XXXX XXXX, XX/XX/2024, XXXX XXXX XXXX XXXX XX/XX/2024, XXXX XXXX XXXX XXXX XXXX XX/XX/2024, XXXX XXXX XXXX XXXX XXXX XX/XX/2024, XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2024, XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/2024, XXXX XXXX XXXX XXXX XX/XX/2024, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/2024, XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/2024, XXXX XXXX  XXXX XXXX XX/XX/2024, XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/2024, XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/2024, XXXX XXXX XXXX XX/XX/2024, XXXX XXXX XXXX XXXX XXXX XX/XX/2024, XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/2024, XXXX XXXX XXXX XXXX XX/XX/2024, XXXX XXXX  XXXX XXXX XX/XX/2024, XXXX XXXX XXXX XX/XX/2024, XXXX XXXX XXXX XXXX XXXX XX/XX/2024, XXXX XXXX XXXX XXXX XXXX XX/XX/2024, XXXX XXXX XXXX XXXX XX/XX/2024, XXXX XXXX XXXX XXXX XX/XX/2024, XXXX XXXX XXXX XXXX, XX/XX/2024, XXXX XXXX XXXX XXXX, XX/XX/2024, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX.
Product: Debt collection

Same XXXX  that started in XXXX when I notified Chase, XXXX  and other credit cards that I had at the time that I was disable and had to stop work SO I ask them to freeze my accounts! I use these cards in my business!!! I kept one card open! That when it seems that money was being transferred out of these accounts to a XXXX XXXX Fake account!! I call em they replayed " we take care of!!! You do not worry '' this when on till XXXX when I finely payed off them the amount that I did owe NOT the amount that they illegally moved to XXXX XXXX Fake account!!! 

About two month ago I received a massage from my banks security company that there were some transfers of money that seem fishy!! To a company using the name XXXX XXXX>>> Not the real company!!! Funny is that it was the same amount that CHASE said that I owe them!!!!! My bank canceled that card and gave me a new one<<<<< And I am still getting letters and phone calls from them stating that they will keep reacking my credit until I pay them!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

In 2009, I filed for bankruptcy for Student Loans since I lost my job. My case was dismissed because you can not file for bankruptcy with the majority being Student Loan debt. This has stayed on my credit report for over 7 years now with no relief. Technically, there was n't bankruptcy on my record since it was dismissed and after 7 years, it should be removed. Can you please look into this for me and assess whether or not this can be corrected? I have paid my Student Loans down from {$60000.00} to {$20000.00} in the past two years. I really would like this off my credit report because it has caused lots of heartache with buying my first house or transferring credit card debt to a 0 % APR so that I can pay that down faster with out any interest. Please advise. Thank you!
Product: Debt collection

I have not supplied proof under the XXXX XXXX XXXX  by silence, XXXX XXXX ( XXXX XXXX XXXX XXXX, I presumit that no proof of the XXXX debt, nor therefore any XXXX such debt, in fact therefore exists.
Product: Debt collection

Requested validation and nothing has been received. I did have a XXXX account but it has been more than 7 years ago. This should not be listed on my credit file.
Product: Credit card

I discovered in XX/XX/XXXX a new PayPal Credit card account ( Synchrony Bank ) on my credit report, and it affected my XXXX XXXX and the loan rate I could get for a new car. Since then, I have been disputing that this account belongs me. It apparently was opened in XXXX and there were some cash advances, purchases and payments. The debt they are wrongly attributing to me is now about {$15000.00}. I did not open the account, nor did I benefit from it, nor did I make any payments. I only became aware of it in late XXXX. I filed a police report in XX/XX/XXXX and submitted it to Synchrony Bank ( at their suggestion ). I have called many times in the last XXXX  years and have filed multiple fraud reports with Synchrony Bank investigations department. I provided lengthy and detailed explanations of my situation -- since early XXXX and as recently as XX/XX/XXXX. I have requested a copy of the original credit application per my rights under the FCRA ( verbally on multiple phone calls, and in writing via fax in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ), and I have not received it from Synchrony Bank. When I call to follow-up, Synchrony Bank company representatives verified that they received my faxes and then opened up new fraud investigation reports. Without calling me or requesting more information, Synchrony sends me a letter stating they closed the investigation ( not in my favor ) and continue to send me bills. I believe there is a bank error or some kind of identity theft happening. Synchrony Bank is failing to comply with the XXXX XXXX XXXX XXXX by not sending me what they say is the credit application I submitted in XXXX. I am XXXX old and am exhausted and frustrated dealing with this! I am going to get help from an XXXX service in my city.
Product: Money transfer, virtual currency, or money service

I bank with Wells Fargo and regularly use their Bill Pay service. The bills I pay are now taking 2 weeks or more for my payee to get their money. Each time I submit a transaction, Wells waits until the next business day to charge my account and mail the check. They promise it will be received within 5 business days. All of mine are within 100 miles. On my call with their customer service parson today, Wells confirmed the cleared date as 14 days or more from my request date. This is after the promised date, way too long, and long after they took the funds out of my account. They blame it on the USPS. Why is it so slow? Why are they entitled to take my money before the check is cleared? Thanks for investigating.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is concerning the predatory and unethical business practices of Freedom Debt Relief. We had worked with Freedom Debt Relief for approximately two years paying off debts. We were working on the last account debt to be paid off and in XX/XX/2019 we had asked Freedom Debt Relief how much money we would need to deposit as a one time deposit so that all of my remaining debt would be paid off. They told us a quantity of {$1400.00} including their service and settlement fees. Freedom Debt Relief said that it was not possible to deposit to the account immediately and that the earliest they could withdraw the money was on XX/XX/XXXX. Freedom Debt Relief pulled out the money from our bank account on XX/XX/XXXX and then stated that they take up to 30 days to process the payment to the creditors. I checked with them at least 2 times before the 30 days had passed to see if they were able to prompt the system to send the payment to the creditors and they said they could not do it until 30 days passed. Once the 30 days passed ( XX/XX/XXXX ) they had not done the payment to pay off the debt and they only did a regular scheduled payment to the creditor ( {$210.00} ) instead of paying the debt in full and finalizing the program. On XX/XX/XXXX they pulled out additional service fees and now state that there is not enough money in our Freedom Debt Relief account to pay off the debt to the creditor in full as we initially had the agreement to do and Freedom Debt Relief is now requiring us to provide an additional payment to them in order to complete the amount needed to pay off the debt and because it takes 30 days to process when you do an extra deposit, they will charge additional service fees again for the next month. I authorized to make an extra deposit for {$45.00} so that there is enough money for the remaining of the debt plus additional fees that are accruing because of their negligence. If they do not do the deposit this time, again I will not have enough money to pay off the debt in full and will need to deposit even more money on fees for work that they are not doing. 
I also asked for the transcripts of the chats ( all of these conversations were via online chat so there is written evidence of everything ) and when I asked for the transcripts, they replied they do not provide transcripts of the chats. We had an agreement with Freedom Debt Relief to pay off a debt in full and we are experiencing negligence and/or intentional actions by Freedom Debt Relief to not fulfill their agreed responsibilities and in addition to this they are charging us more fees and requiring us to make more deposits because of their refusal to fulfill their obligations as were agreed to. We need this cycle to end.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the FAIR CREDIT REPORTING ACT the account below has violated my federal protected consumer right to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX account # XXXX 15USC 1681 section 602a states i have the right to privacy 15 USC 1681 section 604a sec 2 states a consumer reporting agency can not furnish an account without my written instructions 15 USC 1681c. ( a ) ( 5 ) sec 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 convictionsof crimes of which antedates the report bymore than 7 years I did not give written permission to XXXX XXXX XXXX XXXX to publish XXXX XXXX Account ending in XXXX.