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. 

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Credit card

I placed original complaint against Bank of America with CFPB which the never provided any response other than email to contact the direct for more info. I attempted to contact several times leaving numerous voicemails with name and call back number to no avail. My initial file with you was closed and was asked to share what occurred. In my last call to CFPB I was provided with state CA Banking regulator division number which I have yet to call only due to my need to keep you informed on this case now closed. No resulting or attempt to give information for how was my Bank of America Credit Card having a total {$1500.00} credit limit allowed me to go over my limit on continued Basis not refusing charge above XXXX limit allowing charges of more than XXXX over limit. I am XXXX and was unaware the charges so high above limit thought card deny any charges exceed XXXX this resulted in their increasing interest above XXXX percent and reporting me over credit limit to credit bureaus. As a XXXX American and reason for use of card was for local hotel booking having lost my housing and in emergency need to find new housing affordable to only living if social security XXXX limited income. During this time I never failed to pay my bill monthly and paid on time regularly only to then not able to use card being finally decided to not allow me exceed limit more than what already had allowed when continued to let me overcharge unaware they should have not allowed charges above the XXXX XXXX makes it difficult to concentrate and feel having checking account with Bank of America monthly XXXX XXXX deposit they prey on people with XXXX and maybe I wont follow up. How many other people with XXXX are they targeting and why do this to those of us trying to live on such a limited fixed income Reported to credit bureaus over card limit black mark on me and raise interest so high only to ignore my calls when the sent letter request contact them direct hoped I being XXXX would not try to advocate for my being treated this way
Product: Checking or savings account

i received a settlement check for the following names from : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and or XXXX and or XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX I was beneficiary number for XXXX XXXX my XXXX this was the settlement check for overdraft fees that were unreasonable.
Product: Credit card or prepaid card

My credit card with NC State Employees Credit Union expired on XX/XX/XXXX. I did not receive a replacement card in the mail so I have been attempting to get a replacement card on three separate occasions but to no avail. 
In XX/XX/XXXX, I went in person to a branch in XXXX NC and inquired about my replacement card. I was told I would receive a new card in 1-2 weeks. 
In XX/XX/XXXX, I asked a teller at drive thru about getting a replacement card during a visit to make a deposit. I was again told, the teller checked it and I should receive a new card in 1-2 weeks. 
In XX/XX/XXXX, I went online to the NCSECU Website to request a replacement card and the Website response was I should receive a replacement in 1-2 weeks. 

I have also verified my account has the correct mailing address. 

At no time was I informed I will not receive a replacement card or received any notification of account closure or cancellation of my credit card. My account is paid in full with a XXXX  balance. 

The SECU is denying me access to credit in which they have approved. At no time have they notified me or issued any disclosures that they were closing or cancelling my account.
Product: Vehicle loan or lease

They are putting incorrect information on my credit report causing harm according to the 15 usc 1692 k section 2 and b usc 1681s ( 2 ) 15 usc 1681N The Consumer Financial Protection Bureau ( CFPB ) is moving to thwart illegal repossessions in the heated auto market. A compliance bulletin issued today reveals conduct observed during CFPB examinations and enforcement actions, including the XXXX XXXX XXXX XXXX sloppy record keeping, unreliable balance statements, and ransom for personal property. 

With todays high car prices, auto lenders and investors might be tempted to seize vehicles for resale in the hot used car market, said CFPB XXXX XXXX XXXX. No XXXX ever wants to wake up to see their XXXX XXXX Auto loan servicers need to ensure that every repossession is lawful. therefore they are also double dipping To head off the risk of wrongful repossessions, the XXXX is taking action against illegal repossessions and sloppy servicing of auto loans. The bulletin describes instances, in examinations and enforcement actions, where servicers violated the XXXX XXXX XXXX Reform and Consumer Protection Acts prohibition against unfair, abusive, or deceptive acts and practices such as : Illegally seizing cars : Servicers are repossessing vehicles from borrowers who made payments sufficient to stop the repossession or who entered a payment plan. Given the high level of harm caused by wrongful repossessions, servicers must ensure that every single repossession is valid. 
Sloppy record keeping : Incorrectly coded records or agents failing to talk to their colleagues about canceling repossession orders hurts consumers and is a violation of federal law. Servicers need to ensure proper communication between them and any third-party processing a repossession. 
Unreliable balance inquiries : Inaccurate balances can lead to a borrower paying less than a sufficient amount to avoid delinquency, resulting in a repossession. People are also having their vehicles repossessed because their loan payments are processed in a different order than what they had been told. 
Ransom for personal property : Servicers are still holding personal property found in repossessed vehicles XXXX until the property owner pays a fee, a practice the CFPB has been cracking down on for years also discrimination this is not my first loan with ally in which I was not compensated for right to rescind there is no consideration for this 15 usc 1692 f unfair practice identity theft respect you can not disclose personal information without my consent sell my information to a third party with my wet signature I signed a check and they also took funds for me stating I OWN the car I would also like to revoke any power of attorney XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recieved a XXXX credit report and noticed 3 unauthorized/fraudulent credit inquiries from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I recieved an Equifax credit report and noticed 7 unauthorized/fraudulent credit inquiries from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I recieved a Experian credit report and noticed 8 unauthorized/fraudulent credit inquiries from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Upon reviewing my updated personal credit report, I discovered that inaccurate items persist. It appears that my credit has been compromised under your oversight. Despite submitting FTC report # XXXX, these items remain unresolved. I previously contacted the companies listed below, requesting the removal of these inaccurate items from their records and all credit reporting agencies. They assured me of their compliance, and each company received a certified letter indicating the items were incorrect. I demand the immediate deletion of the inaccurate items listed below. This complaint addresses several negative items on my credit report. Enclosed is my new FTC report, number XXXX, for your reference : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX -- -- -- -- -- Equifax XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$7500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$7500.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Under the Fair Credit Reporting Act Section 605B ( a ), you are required to remove items opened without my knowledge, consent, or authority within four business days, given ( 1 ) appropriate proof of my identity; ( 2 ) a copy of an identity theft report ; ( 3 ) identification of such information by me; and ( 4 ) a statement from me that the information is not related to any transaction by me. This complaint serves as a formal notice that if these items are not removed from my report, I will proceed with legal action. My attorney is aware of my intentions and is prepared to hold you accountable for noncompliance.
Product: Credit reporting or other personal consumer reports

My wallet was stolen from my car In XX/XX/year> with all of my information including my social. I noticed information on my credit report that is inaccurate and that I had no knowledge of. They are the following : XXXX XXXX XXXX  {$730.00} XXXXXXXX XXXX {$260.00} XXXX XXXX  {$3500.00} XXXXXXXX XXXX  {$450.00} XXXX XXXX XXXX {$3500.00} XXXXXXXX XXXX XXXX XXXX {$1000.00}
Product: Mortgage

I got a rate quote from Integrity and it was pretty good compared to other companies, But through the process they said the market shifted and couldnt honor the rate.. it was the same day and the rate jumped from 3.875 to 4.25? on their site it shows rates but they havent been updated since XX/XX/2017 I have a feeling they do alot of bait and switch XXXX
Product: Checking or savings account

Bank of America allowed an individual to deposit a {$2400.00} stimulus check into his individual checking account. The check was made payable to joint owners, but was subsequently deposited into the individual checking account without one of the joint owner 's authorization.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, The following accounts are claiming to both own the same debt, with a balance. As you know, this is not possible and also a violation of my rights to be penalized with double jeopardy. Because of this, BOTH accounts need to be removed from my credit report immediately due to not properly validating the information in which a company has passed to you. Please delete immediately. When the requested above deletions are made, please mail me an updated copy of my credit report : Account 1 : XXXX XXXX XXXX XXXX XXXX  # XXXX Account 2 : XXXX XXXX XXXX XXXX  Account # XXXX
Product: Student loan

FedLoan Servicing sent me mail that should have arrived per Informed Delivery on XX/XX/2023. The envelope states that it contains tax documents, and I imagine it has my XXXX inside. I believe the letter may have been lost by USPS. I attempted to find a phone number at PHEAA for FedLoan Servicing but was unable to do so. I was able to speak to XXXX at AES ( employee ID XXXX ) who was able to provide information about mail correspondence being redirected to my current servicer ( XXXX ) but I was hoping to be able to call or email someone at PHEAA in relation to FedLoan Servicing to receive a new XXXX ( or other tax documents mailed in XX/XX/2023 ). She did not have any contact number. My understanding is that the servicer where payments were made issues tax documents, even if it is a former servicer, so FedLoan ( or PHEAA ) should be the appropriate place of contact. I am unsure how to contact them correctly to obtain the tax documents mailed last month. I would like PHEAA to resend the tax documents or provide another method for me to access my tax documents.
Product: Debt collection

There are XXXX unknown collections listed from this company MEDCAH INC. which appear to be inaccurate as they are unknown and outdated disputed several times and nothing received. Please help
Product: Checking or savings account

The bank charged me 3 overdraft charges for 3 different transaction do to a pending charge of 997. This charge came in at XXXX XXXX  on XX/XX/2021 after banking cut-off time. Although my ending posted balance was {$110.00} on XX/XX/2021 and after being charged 105 in fees my current posted balance is {$10.00}. pending transactions are not transaction that have posted and cleared my account, per wells fargo own language pending transactions come off of available balance not actual balance of the account, seeing that this is the case when that charge of 997 came in, my available balance was XXXX and should not have no bearing on transactions that the funds have already been set aside for previous merchants. Technically speaking the funds are still available in my account until merchant request final payment for pending transactions. Wells fargo continues to steal from their customers while doing illegal banking charging incorrect fees because of their nightly processing. I want my {$100.00} refunded because at the time of posting I had enough funds to cover all pending transaction that posted for that particular day of XX/XX/2021, seeing that my ending posted balance was {$110.00}.
Product: Credit card or prepaid card

I am attempting to add an authorized user to my account through the company 's online portal. After filling out the proper form and answering my security questions correctly, I receive an error message that my process can not be completed and to contact the company. I have attempted to contact the company through its online message portal several times. Each time I was told how to add a user, which I already know how to do. I was finally told to call the company. I have called three days in a row. The first two days I was on hold for over two hours and no one answered. Today I have been on hold for six hours and there is still no answer.
Product: Credit reporting or other personal consumer reports

I have had a score of XXXX and up... .recently I had negative remarks and credit score drop significantly and inquired on XXXX site. 


saw two affirm accounts and disputed on XXXX as well as called affirm... .at first they told me I had no record with my social of having an account and when I said impossible as its on My credit report ... Representative was very unknowledgeable to the process. 

I called back a second time to be told they could not give me information on this account and after a long lengthy heated conversation of if I am the consumer and its on my credit report XXXX need information ..... 

again ... .another phone call I got this is a buy and pay later account and and the transaction was done in Arizona and I live in Rhode Island ... this is not my charge XXXX send an email that dispute was resolved and this debt is valid ... ..it is not valid ... .I have no affirm account and made no purchases at a retail store in Arizona ... ..please help XXXX .the delinquency is XXXX  my score ....
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter requesting accurate information be sent /updated to credit reporting agencies regarding a late payment from XX/XX/2020 and the request was denied. If they check the phone calls they can see I was instructed by Capital One to do the following steps to avoid being reported late but ultimately received the wrong info from an employee on a recorded line that ended up with a negative item on my report. It was NOT investigated fairly. And has caused my score to decrease significantly.
Product: Payday loan, title loan, or personal loan

On XX/XX/2019, I contacted the Southern Finance in XXXX SC in regards to harassing phone calls to my phone, my husbands phone and to the reference on mine and my husbands accounts with them. Also, they spoke with my mother in regards to my and my husbands information about the accounts there. The manager XXXX acted as if she didnt care about my complaint and so I got the home office # and left a message with a receptionist for there supervisor to call me, so about 30 mins maybe he calls me, I told him my concerns and told him that I know these things are illegal and he acted as if all he was concerned with is when we where gon na pay the bills, not about us as his customers or my concern at all, so I told him I would be contacting the XXXX XXXX XXXX about this matter, he got made and told me he would see me in court and hung up.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is so annoying & frustrating. Ive sent EXPERIAN multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In Experians responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. 

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency.

Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court.

I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial Freedom that has been DAMAGE. List of items that are UNKNOWN to me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Chase Bank closed my credit card account last year for non-payment. They have since charged off the account. According to the Fair Credit Reporting Act all information reported to credit bureaus must be consistent and accurate. Chase has been reporting inaccurate and inconsistent information to XXXX XXXX XXXX XXXX, etc. Neither XXXX nor XXXX list the date of closure. XXXX and XXXX list closure date as of XX/XX/2020. According to the Fair Credit Reporting Act, all reported information regarding accounts must be consistent and accurate across all credit reporting agencies. Also, Chase has continued to report payment history to all credit bureaus after the account was closed. Chase has reported late payments after account closure. Furthermore, Chase Bank has also continued to report an outstanding balance on this closed and charged-off account. This is another violation of the Fair Credit Reporting Act. I can not have any late payment history nor outstanding balance on a closed account. The Fair Credit Reporting Act states that any credit accounts that are inconsistently and inaccurately reporting to the credit bureaus must be removed from all credit bureau records. Due to these inaccuracies and inconsistencies, I am requesting monetary compensation in the amount of {$1000.00} as well as removal of this account from all of the multiple credit bureau records. This account has also contributed to me not being able to acquire new credit during this past month. If this account is not removed from all credit bureau agencies ' records within 30 days, I will seek further legal assistance and compensation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX, Ca. XXXX XX/XX/XXXX TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX, PA XXXX Dear TransUnion, I am writing to dispute the following information that appears on my TransUnion consumer report : Dispute The current status of my Score on my report is not correct. The report shows that I have a XXXX scores, but I have made all of my payments on time and my score should reflex XXXX scores. 


Thank you for your assistance. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

This account appears in Equifax as charge off, it does not indicate when or to whom it was sold and in XXXX it appears as voluntary delivery. By the provisions of the fair credit reporting act I demand remove any information that the creditor can not verify I understand that under 15 USC Sec 1681 ( a ) you must complete the reinvestigation within 30 days. 


XXXX : XXXX XXXX XXXXXXXX XXXX XXXX EQUIFAX : XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Hello. I was in XXXX Florida. To visit my daughter when I came back my account was empty. Someone hacked my XXXX XXXX and pulled money straight outta of navy federal to XXXX XXXX people.I provided all the evidence I could. I need my money back Im in a very desperate situation my birthday is next week baby federal just denied my claim