23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I received email notice of a new checking account opened in my name Sunday, XX/XX/XXXX. I called Bank of America immediately and they couldnt help me because the fraudulent account department wasnt open on Sunday. I called again on Monday, to the number supplied ( XXXX ) waited on hold for more than 1 hour, was told they couldnt close the account, transferred to the fraud department, was told they couldnt close the account because I didnt open it, transferred me to another department, and then the call dropped. I havent been able to close the fraudulent account and no one can seem to help.
Product: Credit card or prepaid card

I took {$4000.00} cash advance on XXXX for one year promotion plan for 3 % interst rate from Capital one credit card. 
They started chaging me interst on XXXX itself. Now they change the plan and only telling me that this was original credit card opening promotion. I got letter for promotion on month of XXXX for next one year promotion. 
They changed me three month heavy interest charges around $ XXXX.During this COVID-19 duration credit card company is looting customer. Also customer service person does not know who these number shows up in statement. 
My info card ending XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On ( date ) I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not revived a response yet. I feel that I am being taking advantage of and being ignored of my disputes. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by XXXX  data breach and may have got into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts 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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items in there to be inaccurate. I Under 15 U.S. Code 1681e ( b ) Accuracy of report. Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 
15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ). In general it, 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. 

Please remove the following items from my credit report, immediately : I have several names, addresses, phone numbers and EMPLOYMENT that are incorrect.
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. 

Account name : # XXXX  XXXX, Account name : 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

This loan from XXXX for {$520.00} is closed and plaid. is still shows up on Transunion, it does nothing for my credit but shows additional credit loans, please removed this closed and paid off loans. 



TRANSUNion is kiiling my credit with the inaccuracies and this is illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

midland funding closed & removed themselves from XXXX, they need to update XXXX & XXXX also. all information needs to match on all credit reports
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 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 : States a consumer reporting agency can not furnish an account without my written instructions and or permission. 

INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TYPE : XXXX XXXX DATE OF INQUIRIY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights based on the above sections so stated within the Fair Credit Reporting Act. Additional I do not recognize such inquiry.
Product: Mortgage

On XX/XX/year> I requested that Freedom mortgage removed the PMI. And asked about the analyzation of the escrow account and thats when they told me because I lived in the state of Washington. They dont have to analyze for overage or shortage until XXXX which is not true. The previous company always analyzed in XXXX when the escrow was established. The only thing that Freedom mortgage did was send me a form to fill out and asked me to pay {$190.00} for them to evaluate the value of my home and I told him I dont need to pay {$190.00} when my property taxes tell me what the value of my home is and I still have not had PMI removed or Escow evaluated for overage or shortage
Product: Credit reporting or other personal consumer reports

On my Experian credit report theres two accounts reporting negativity. Account 1 XXXX Account 2 XXXX XXXX XXXX Both accounts are reporting positive payment status on my other credit report like XXXX and XXXX. On my Experian account There not show a current payment status. Experian is reporting improper information on my credit report thats hurting me from getting approved for credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm XX/XX/XXXXI tried to buy a car and was told I had an account in collection/charged off. After reviewing my report I contacted the collection agency and they told me there was an account with XXXX XXXX opened on XX/XX/XXXX that I defaulted on. I did open an account on XX/XX/XXXX with them when I consigned for my daughter 's car but did not sign anything on XX/XX/XXXX. O was actually under the care of a doctor that day and couldn't have possibly been there to agree to another account for a car. After explaining this to the collection rep, they suggested paying it anyway to get it removed. There's no way I am going to pay something not mine so I declined. I was lucky enough to get the dealer to empathize with me and get me into a car anyway however this has been making it difficult to get any financing that isn't accompanied by inflated interest! If disputed it numerous times with all credit bureaus only to have it come back verified so I requested a reinvestigation and included the signage pages from the account I signed and from the one I received from the company after request. It's very obvious it is not my signature yet they continue to report it. I am now to the point of seeking legal advice.
Product: Mortgage

XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Loan Number XXXX Certified Mail Receipt # XXXX XXXX XXXX XXXX XXXX CFPB # XXXX PHH Mortgage Services Escalations Department XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, We are responding to the last letter we received from PHH offering mortgage assistance. We would like to be clear on the process.

1. During the mortgage assistance process will we be subject to foreclosure?

2. Will we have access to XXXX XXXX during the mortgage assistance process? 
3. If XXXX XXXX is not assigned to our account will there be an account manager assigned to our account to explain things that come up? 
4. Will time be given for us to have the modification documentation reviewed by an attorney? 
5. If we apply for mortgage assistance will we be able to exercise any other option, short sale, Forbearance etc.? 
In closing, thank you in advance for addressing our concerns and providing an opportunity right this ship.We were told that we could apply for mortgage assistance. We have submitted the application. We are wanting to know if we will be supported during the process in terms of knowing what to expect. 

Genuinely, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2022 my two federal student loans transferred from FedLoan Servicing to XXXX. After the two accounts were successfully transferred to XXXX, I paid the loans off in XX/XX/2022. I did reach out to FedLoan on their website to notify them that the loans are still showing on my credit report as an open account with them, but I did not receive a response. 

I have also attempted to dispute the information through XXXX ( via XXXX XXXX XXXX and XXXX through their website. I submitted documents showing the notification I received regarding the transfer as well as the payoff letters I received from XXXX, but the accounts are still showing to be open as of today, XX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX client, XXXX XXXX is a victim of identity theft. He was notified by Capital One bank of a fraudulent application submitted with his information without his consent that resulted in an inquiry on his XXXX  credit XX/XX/2018. An official dispute of this application was mailed certified with return receipt to Capital One XX/XX/2018 however as of this date Capital One has failed to send a reply or an update concerning or even clearing this issue as fraudulent. This action is a violation of my clients federal consumer rights under the FCRA.
Product: Checking or savings account

My account was compromised and funds were transferred from my account to someone elses account I filed a dispute in XX/XX/2023 I was told it would take up to 20 days to resolve this issue but as of today no one can tell me whats been done or whats happening or give me a timeline. I call repeatedly and get the same answers I was told that my case has been escalated because of the length of time its been but every time I call I keep getting the runaround
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act ; XXXX XXXX, has violated my rights with an unauthorized inquiry on XX/XX/21. 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: Debt collection

Repeated daily phone calls. It says on their letter I have the right to stop or limit how they contact me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/XXXX but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. XXXX XXXX XXXX  XXXX XXXX Date opened : XX/XX/XXXX Balance : {$1800.00}, XXXX XXXX XXXX Date opened : XXXX XXXX, XXXX Balance : {$0.00}, XXXX  XXXX XXXX Date opened : XX/XX/XXXX Balance : {$540.00}, XXXX  XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX  XXXX Date opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

VICTIM OF IDENTITY THEFT. I RECENTLY PULLED MY XXXX XXXX AND XXXX CREDIT REPORT AND NOTICED ACCOUNTS AND INQUIRIES THAT I DID NOT INITIATE. I CONTACTED THE COMPANIES AND THEY TOLD ME THE ACCOUNTS WERE LISTED UNDER MY NAME AND SOCIAL SECURITY NUMBER. I DO NOT HAVE ANY RELATION WITH THESE COMPANIES AND BELIEVE THESE ACCOUNTS ARE A RESULT OF IDENTITY THEFT. I HAVE CONTACTED XXXX XXXX AND XXXX AND EXPLAINED TO THEM THESE ACCOUNTS ARE FRAUDULENT AND NEED TO BE REMOVED BUT THEY REPEATEDLY VIOLATE THE FCRA BY DOING NOTHING
Product: Checking or savings account

On XXXX XXXX XX/XX/XXXX and XX/XX/XXXX thro XX/XX/year> also XX/XX/year> until current Ive had fraud charges in my bank account with Providers bank now Propel They wont help me Ive sent them all documents including police report number as well as the proof of my phone company XXXX data breaching my social security number and dob on XX/XX/year> per XXXX through XXXX they wont credit me back either they have allowed 6 extra fraudulent lines add to my account had a phone stolen and they allowed the girl to hook it up to my account Ive complained over and over went to the store the bank closed my account out out XXXX XXXX XXXX XXXX XXXXXXXX Im to be paid back almost $ XXXX and I want my money I want to sue these two companies for data breaching and not protecting my personal information as well as funding allowing anyone to just spend and have access to my online accounts they are rude and ignorant this is a federal offense and I want justice and my money I have names of the individuals and all documents to prove the truth of this matter
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my credit report and saw that on XX/XX/2022 a company called " CPS '' ran my credit report. I did not authorized this inquiry. This inquiry has lowered my XXXX XXXX and I fear that my identity may have been stolen.
Product: Credit reporting or other personal consumer reports

After placing forth a dispute with XXXX, I have waited for a response to the dispute which list the fraudulent credit accounts and to no avail. As a victim of Identity theft XXXX is bound by the Fair Credit Reporting act to review and assist me in holding information furnishers accountable for not procedurally guarding my information and allowing thieves to benefit off of accounts I did not authorize.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent off all supporting documents to change my name, address, jobs, and inquiries I know nothing about on my report or the names and addresses are not affiliated with me. I have been extremely patient but they fail to take those things off my report after sending my documents numerous times. I was sent a letter back saying what I sent In wasnt that enough to verify that that is me and where I live.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account Account # XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX DE XXXX Phone : ( XXXX ) XXXX Account # XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX IA XXXX XXXX : ( XXXX ) XXXX and Account # XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, DE XXXX Phone : ( 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
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 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 INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Product: Debt collection

Equifax is reporting a Child Support Account that do not belong to me. This account is only showing on my Equifax and I I have disputed this account several times. Please assist me in removing this account from my Equifax Credit File. Equifax is also reporting that I made a payment in XX/XX/2018 and I have never made a payment on this account. 


Equifax is also reporting to 2 addresses that do not belong to me : XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX, NC XXXX
Product: Credit reporting or other personal consumer reports

I reached out to the credit reporting agencies to inform them that the negative accounts on my report were not mine. nothing was resolved and no proof was provided that the accounts belonged to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am on Social Security. Every year Congress determines if we get a raise. I have had 2 or more Social Security raises/increases since the last reported Social Security income on all three Credit Bureaus. All Credit Bureaus know this happens annually and knows the amount of income you have can have a very positive impact on your credit reports yet they not only fail and refuse to update the information automatically, they provide NO WAY for the consumer to accomplish this important task themselves. I have tried on numerous occasions to no avail. I have even tried to have the sub-contracted lender do it for me and they thought they could but can not. I just want my credit reports to reflect the truth and have no way to do this. Please help. 

Additionally, Transunion and XXXX both report my mortgage as if it was some sort of private loan and not my monthly mortgage payment. XXXX does show it properly as my mortgage payment?
Product: Credit card

XXXXXXXX credit 's online system informed be that I had a payment scheduled. 

There was an error of some sort. 

Subsequently, XXXX  credit reported my account as delinquent.
Product: Credit reporting or other personal consumer reports

My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

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


EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I am submitting this complaint to you to inform you that XXXX and XXXXXXXX XXXX XXXX XXXXXXXX has made an error in sending out their statement. These banks were aware of the issue & agreed to update to open/never late. Please update. XXXX XXXX and XXXXXXXX XXXX XXXX XXXX  XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX around XXXX EST I noticed a XXXX transaction I had submitted earlier in the day had been rejected. I called the toll-free number and was on hold for XXXX minutes before being asked to verify my name, XXXX, debit card number and other personal information. I was told that I would need to go through an automated verification process where I would need to provide my PIN number, the expiration date of my debit card and the XXXX digit numer on the back of the card. Despite entering the required information, it was rejected. I was instructed to call back again. I called back a second time and spoke to another XXXX. This XXXX, put me through the same automated process and I was able to access my account. On this occasion I was also asked why I was sending a relative this money. I was told this bank wanted to make sure I was not being scammed. I was also told that the money once sent could not be refunded. After being asked this question and the reason why my account was flagged ( the transaction was suspicious because I had not sent this large amount before ) I began to suspect this had something to do with my being a senior citizen. The algorithm used to determine fraudulent activity looked at amount and age of the sender. At any rate, the block on my account was lifted and I was instructed to wait XXXX minutes before sending the money. I waited XXXX minutes and the transaction was rejected again. On my third call, despite entering the requested information through the automated process correctly, I was not able to lift the hold.