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

According to the Fair Credit Reporting Act ( FCRA ), Section 602 ( b ), I am permitted to have accurate and true information reflected in my credit report. To accomplish this, I am requesting that my positive payment history to be added. This will justly reflect my payment history. Therefore, I request that Equifax immediately verify and add the enclosed payment history to my credit file. ( Enclose proof from Creditor ).

ALL ACCOUNT BELOW SHOULD BE ADDED TO MY REPORT : 1. XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Please ADD this ACCOINT to my REPORT as a POSITIVE account Immediately! 
XXXX. XXXX XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX Please ADD this ACCOINT to my REPORT as a POSITIVE account Immediately! 

3. XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Please ADD this Account to my REPORT as a POSITIVE account Immediately! 
Please notify me within 30 days that the additional credit information has been added by sending an updated copy of my credit history report to my address above.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank of Ameirca I contacted Bank of America to add my daughter has an authorized user. They ended up conducting a hard inquiry on my report without my knowledge. The inquiry was supposed to be for my daughter and it should have never impacted me. If I was told that they would have done a hard inquiry, I would have stopped the transactions. I contacted Bank of America, I was told that they are unable to do anything on their side. First, I got frustated because I contacted them at lease on three ocasions. the last time I did, they told me they would add her as a co-borrower ; which is not what I wanted but I went along following their instructions. It turned out that they pulled my credit information and I would not have allowed that because I was trying to fix my credit. I was already a customer in good standing. I don't see why they had to do a hard inquiry. 

XXXX : I wanted to switch my service from XXXX to XXXX. I called XXXX and ask for advice on the proper way to cancel and switch services. I paid all money due. the representative over the phone told me I was all set and to keep using my service up until a specific date. I followed their instructions. Months later, XXXX, claims that I owe them last month service fee but I told them, I called to cancel service your rep advised me to wait. I shouldn't have to pay any more money. I wanted them to investigate the matter. Instead they reported me late with a balance {$140.00} in collection. 
I want this fee waived, and the record to be deleted from my credit report. I keep saying go listen to the recorded convesation. The rep said I was all set and can keep using my phone up until the cancellation date.
Product: Mortgage

I applied for a XXXX XXXX XXXX ( 2nd Mortgage ) with Rocket Mortgage on XXXX/XXXX/22. The application process went smoothly until the appraisal was received. The application was completed and dated XXXX/XXXX/22. Rocket Mortgage did not review the appraisal, however, I caught numerous errors with it. Understandably, the appraisal is a third party value to remain unbiased. Although they allowed me to dispute these errors, they were slow and neglectful in responding to my dispute in a timely manner and therefore closed out my loan application on XX/XX/22 without notifying me as to why. I was not aware if anytime frames or deadlines from them. They continued to tell me the appraisal was under review until it was too late to continue the dispute. The appraiser left out significant details about my house that adds value to my house ( a 3 car garage, fenced yard, and large 1 and a half story shed ). Rocket Mortgage was purposefully neglectful to provide me the necessary information to resolve this issues in a timely fashion. They also kept passing me off between employees as no one knew what was actually happening. I had to speak with 5 different people in one day before they finally told me on XX/XX/22 that the loan application was closed and there was nothing I could do about it.
Product: Vehicle loan or lease

Traded in a vehicle a month ago. Check was sent to US bank from the dealership for the total value of the trade in. Due to the timing, I had to make a car payment on the car I traded in, since they did not receive the trade in payment. No big deal, I was told I would get a cashier Check for the different later on. 

The trade in check was delivered and signed for two weeks ago and still has not been reflected on my account. 

I have called on 5 separated occasions to try and get an update on when I could expect the check to clear and to try and get an update on if the check has been processed. Every time I have called I have been told to call back in a few days and that there is no way for the Check clearing process to be tracked on their end. At this point it has been almost a month and I will have another car payment due for a car I haven't owned in a month.
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, DEPT OF ED/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 or other personal consumer reports

XXXX, Equifax, XXXX XXXX and XXXX are still reporting a fraudulent account on my credit report. 
XXXX XXXX XXXX, servicer to XXXX XXXX XXXX, XXXX. completed an investigation into a XXXX XXXX XXXX account and verified that it was opened fraudulently.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information was erroneous. The XXXX ad TransUnion credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The listed account need to be investigated and corrected for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX Balance : {$0.00}.
Product: Credit card

I have an American Express XXXX XXXX card. I pay ~ {$800.00} per year in membership fees for this card. As a part of my membership, I am supposed to receive a companion airline ticket in the month I renew the card each year as benefit of my membership as a cardholder. 

I renewed my card in early XX/XX/2024 and paid the membership fee. Since then, American Express has not followed their policy or commitment to provide a companion pass to me. I have called several times to ask when it will be resolved. Each time I call, they say they are working on the issue, which has effected more customers than just me. They will officially be XXXX months late on fulfilling benefit of the companion pass to me next week ( as XXXX begins ). Each time I call, they can not provide a date when the issue will be resolved. 

My concerns are they are not honoring their policy and commitment to me regarding the companion pass ; they do not have a timeline to resolve it, and they keep blowing me off when I ask for a resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a XXXX credit card but was refused because of " too many inquiries '' on XXXX. XXXX shows inquiries from : Bank of America, XXXX XXXX XXXX XXXX XXXX and XXXXXXXX XXXX XXXX XXXX 
Bank of America : I have a current credit card always paid on time. 
XXXX XXXX who is this?? 
XXXX XXXX XXXX : a XXXX bank associated with XXXX. 
XXXX 's XXXX XXXX. : associated with XXXX XXXX where I have a loan which is always current and paid on time. 

I made a purchase at XXXX this month. I DID NOT AUTHORIZE A HARD INQUIRY. 
CAN THEY RUIN MY CREDIT JUST BECAUSE I MADE A PURCHASE THERE??? 

I DID NOT AUTHORIZE ANY INQUIRIES FROM ANY OF THESE PLACES. IF I HAVE AN ACCOUNT IN GOOD STANDING, CAN A BANK MAKE THESE INQUIRIES WHICH EVIDENTLY IS RUINING MY CREDIT. MY SCORE IS HIGH XXXX 's.
Product: Debt collection

I was contacted on XX/XX/2022 by XXXX, I was told that they were the collection agency XXXX attempting to collect {$260.00} related to an outstanding balance I had with XXXX XXXX XXXX, a public utility company. I had not received any notice of the debt from XXXX, both XXXX and the collector said that they had sent it to the address on file, where I no longer lived. I checked my balance online with XXXX, in addition to the {$260.00}, I also had a separate balance of {$250.00}. I called back the number, XXXX and asked for more information, wanting to clear the total amount owed. When I inquired about the separate debt of {$250.00} I was asked to provide my full social security number over the phone. Further, I was told by the representative that I could no longer pay XXXX directly for the debt. I declined to give them my ssn and called XXXX. 
When I called XXXX I was able to pay them directly for both balances. I received the list of collection agencies XXXX employs for collections and EOSCCA was not listed. 

I called EOSCCA and asked if they had purchased the debt or were affiliated in any way with the list of collection agencies XXXX provided and they said no. 

I am concerned that this was an attempt to steal my social security number, and I was given misleading information ( EOSCCA stated that I could not pay XXXX directly and that I needed to be transferred to their secure payment portal ).
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, NY XXXX i son my Experian credit report. I DO NOT OWN THIS PROPERTY NOR HAVE I EVER LIVED THERE. I've sent quite a few letters on this issue to have this fraudulent property removed.
Product: Credit card

On XX/XX/year>5 - two charges appeared on my Barclays XXXX to XXXX. The first charge was {$630.00}, the second {$460.00}. 

I promptly reported the fraudulent charges. After an investigation, Barclays inexplicably determined charges were proper. 

I have never in my life owned a XXXX item. I have never shopped at XXXX ever. I reported this to XXXX as well. 

The person who committed the fraud somehow set up a XXXX account in my name with my email, but shipped the items to an abandoned house in XXXX. I noted this in my call to all parties. 

I would like these charges reversed as they were willing to replace my card due to the fraud but they have not reversed the charges.
Product: Checking or savings account

I had opened a new TD bank Beyond Checking and Preferred Savings account online under a promotional offer of {$500.00} ( {$300.00} for Checking and {$200.00} for Savings ) .The account was opened on XXXX XX/XX/2019 and I have fulfilled all the requirements to receive the bonus amount. As per their disclosures I should have received the bonus within 90 days of fulfilling the requirements. Its been way more than 120 days that but I have not received the money yet. 
I have spoken to the customer care and send them several emails but seems they are reluctant to pay the bonus.
Product: Checking or savings account

On XX/XX/XXXX, at XXXX Eastern Standard Time , I dialed the phone number XXXX and had a conversation with two representatives. One of them, XXXX, who worked in the customer service department, informed me that she had noticed a new " pending '' bank account that aligns with my identity. She promptly transferred me to the claims department. Upon reaching the claims department, XXXX verified XXXX 's findings and revealed that there had been an attempt to utilize my information for the purpose of opening a new bank account. XXXX assured me that their team would thoroughly investigate this matter and provide me with further details within 15 days, enabling me to file a police report if necessary. 

Today 's date is XX/XX/XXXX, and the time is XXXX. Unfortunately, no one had followed up on the matter at hand. In my attempt to address the issue, I contacted the customer service representative named " XXXX '' using the same phone number. However, XXXX informed me that she couldn't find any pending information associated with my account. Consequently, she transferred my call to the fraud department for further assistance. 

To my dismay, when I spoke with XXXX from the fraud department, he also couldn't find any relevant information in the system. Although he did mention a XXXX transfer from 2021, he couldn't provide any additional details. It appears that all the previous information I had received on XX/XX/XXXX is no longer accessible within the system. He checked several other data bases and stated that he is unsure how XXXX could have promised a returned call in 1 days because there's nothing in the system to follow up with. 

I require urgent attention regarding this issue as there are employees from Chase Bank who are concealing criminal activities involving the theft of my identity. I have been advised to email this number to seek assistance and obtain access to the recorded conversations of the two former employees who witnessed the fraudulent account.
Product: Credit card or prepaid card

I opened a email that I received yesterday from Bank of America. I have had this credit card for over five years. I have never missed a payment. In the email they stated that they were closing my account. I called the customer service agent and she stated that is was based on risk management factors. 

I did not know I was constantly being monitored in ordered to keep my credit card. I pay on time, I have had this card for years, so why? She said that I had too many inquires, high balances, and late payments on my credit report. I reminded her that I already had the card for some time and was never late. 

This is the first time I have ever had this happen to me? Is this a new practice. I am concerned, is this a signal of things to come in the financial sector? Are the banks tightening up their belts and cutting off the fat? 

I just want my Bank of America credit account to be reopened, to lose it will make my credit score drop terribly.
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 U.S.C 1681. 

Account Name XXXX XXXX XXXX  Account Number # XXXX, Account Name XXXX XXXX XXXX Account Number # XXXX, Account name XXXX XXXX XXXX XXXX  Account Number XXXX, Account Name XXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXX XXXX  Account Number 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 an 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 annotates the report by more than seven years.

15 U.S.C 1681s2 ( a ) ( 1 ) : a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has a reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$9100.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Immediately upon trying to transfer money to my bank account, Venmo notified my that my account was suspended. I provided all of the information requested ( copy of my drivers license and a selfie of me holding my drivers license ), contacted their customer service chat several times, and I could still not get an answer as to why my account was suspended. I would like for my account to be reinstated and to have access to my funds.
Product: Debt collection

American Collections Enterprise , Inc. has reported fraudulent information to credit bureaus regarding a alleged debt. This debt has been paid in full to the original creditor yet American Collection Enterprise , Inc. continues to report the debt as unpaid to credit bureaus even though they have acknowledged being informed of the debt having been satisfied prior to their most recent reporting to credit bureaus. 

I filed complaints with the XXXX and the Consumer Financial Protection Bureau yet as of XXXX/XXXX/2015 they had yet to remove the incorrect information. In their response to the complaints, they state that they were informed that the debt has been satisfied prior to their most recent reporting. Their response states " XXXX XXXX ' payment was made directly to the original creditor. They reported it to our office on XXXX XXXX, 2015. '' However XXXX listed the account being updated on XXXX XXXX, 2015. 

The debt was then removed from my Credit Report when I checked it as of XXXX/XXXX/2015. However, the false information has been reported again to XXXX. This time, they have reported only the dollar amount and account number, electing to leave their name off of it. This is the XXXX complaint I have had to make regarding their tactics and I have been advised by council that these repeated false reportings constitute harassment.
Product: Credit reporting or other personal consumer reports

My problem is with XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Phone : ( XXXX ) XXXX and XXXX. 
I received a notification from a credit monitoring service that a negative account had been placed in my credit file. I disputed the account with all XXXX major bureaus and sent XXXX a certified letter asking for proof of account ownership. In addition, I have XXXX been notifed of owing this bill prior to it being placed in collections. If it was my bill I would have paid it prior to this. XXXX says XXXX has proven the bill is mine. I have yet to see that proof but i still stand my my statemnt that I would have paid it if I was EVER mailed a copy. I sjhould not have a negative mark on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Card # XXXX, XXXX  Credit Card # XXXX, XXXX XXXX XXXX # XXXX. 

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.
Product: Student loan

I have been on a reduced payment plan since almost the beginning in XX/XX/2009. Every year the loans go up but I am not able to afford it. I can barely afford the {$900.00} payment now and it is ending. Navient has not been able to offer any kinds of assistance with lowering the payment or extending the years of repayment. When asked to fill out a monthly expense type report, I am coming in the negative because of my credit card debt I've gone into to pay for my loans and for daycare for my daughter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have this scam of inquiry on my credit report XXXX CREDIT/XXXX Inquiry Date : XX/XX/2021 Phone # : ( XXXX ) XXXX No way to contact its just a scam I want this removed ASAP
Product: Debt collection

On XX/XX/XXXX I received an email that a new negative account had been added to my credit report. I logged in to check the account and found that an account from XX/XX/XXXX had been added from XXXX XXXX XXXX XXXX. I paid the bill directly to the XXXX XXXX on XX/XX/XXXX, so I attempted to call the collection agency to clear this up. I was transferred to a woman named XXXX, who proceeded to tell me that the account was mine and that I must have " received multiple bills '' -- yes, I did and I paid all of them. She then proceeded to tell me that she has a " very old account from XX/XX/XXXX '' and that they were contacting a lawyer about the account. XXXX never even verified my identity on this call. She also stated several times that my credit would be damaged.
Product: Credit reporting or other personal consumer reports

I have requested that this cloed account be removed from my credit report. i have summitted various supporting documents dating back to the beginning of this year. They are and have been reporting on my credit wring information. Under Federal Law i have the right to obtain how this said account was verified as mine, into addition i want to see hard copies. And if not have removed immediately. I have spoken to XXXX XXXX XXXX and they will take this case probono.
Product: Money transfer, virtual currency, or money service

I had to make a new account due to false charges from XXXX or a subscription that I have already paid off and canceled moving forward
Product: Credit reporting

XXXX has an authorized inquiry for XX/XX/2016. There was already an inquiry on XX/XX/2016 from XXXX. This a duplicate unauthorized inquiry.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. 
This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here is the item I am asking you to verify as accurate : XXXX : [ XXXX XXXX XXXX ] [ XXXX ] Equifax : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ] In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611.

Please provide the names and business addresses of each individual with whom you verified above so that I may follow up. Please send me an updated copy of my credit report after your investigation.
Product: Credit reporting or other personal consumer reports

I am filing complaint as I found inaccurate information CCB/FOREVR21 account. I tried to fix the issues by sending them a letter through the mail ; however, I was not satisfied with the results. The accounts were not verified. Inaccurate information, such as payment status, payment history, date opened, and date of late payments are still being reported. My rights were violated according to 15 U.S.C. Section 602, I have the right to privacy, and 15 U.S.C Section 604 A Section 2 states that a consumer reporting agency can not furnish an account without my written instructions. I have also attached the FTC report with the report number XXXX.