23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting 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 XXXX XXXX Account # XXXX Account name : XXXX XXXX Account # : XXXX Account name : XXXX XXXX XXXX Account # : XXXX Account name : US DEPT OF EDXXXX Account # XXXX Account name : XXXX XXXX XXXX XXXX Account # XXXX Account name : XXXX XXXX XXXX  Account # XXXX Account name : DEPT OF EDUCATION/XXXX  Account # : 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: Checking or savings account

I had to close my accounts cause all those overdraft fees had to pay all of that money back. They was letting lenders take money out of my account. When I had my accounts open my name was XXXX XXXX in XXXXXXXX XXXX.
Product: Bank account or service

I moved into my current house XX/XX/XXXX. Since then I have been receiving the previous owners statements from JPMorgan Chase. I have been returning the statements through the mail with XXXX written on the front with a line through the address. The statements continued to arrive so I called their customer support and was told to take the statement to a branch which I did. I continue to receive the previous owners statements and it is now XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX Act. # 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 or other personal consumer reports

I am writing to express my concern regarding TransUnions failure to update my credit score in a timely manner. The last update to my credit score was in XX/XX/2024, and there has been no reflection of any changes since then. 

Under federal law, credit reporting agencies like TransUnion are required to maintain accurate and up-to-date credit reporting. The delay of two to three months in updating my credit score is not in compliance with these legal standards.

I have contacted TransUnion multiple times to address this issue and to understand why my credit score updates are behind schedule. This delay is significantly affecting my ability to apply for loans and pursue other financial opportunities. 

I respectfully request that TransUnion comply with the law and update my credit report as required every 30 days. Please let me know if further information or action is needed on my part to resolve this matter promptly. 

Thank you for your attention to this issue. I look forward to your assistance in ensuring compliance and resolving this matter swiftly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contact XXXX Transunion and XXXX about the inquiries and names and debts on this account being wrong multiple times with no resolution. The sad part is XXXX sent a check to me back in XX/XX/2019 for {$16.00} for a refund for their bad marketing practices with an agreement from your company ( CFPB ), and it bounced and the company XXXX : which I used to cash the check to go directly to my account ended up charging me {$51.00}. These people are not verifying anything. I sent them my verified real spelled out name, updated my address, phone #, work info along with my ID and SS card to verify myself. Those debt accounts, misspelled names and addresses are not mine and belong to someone else. 
I'm not aware of these accounts and they are being reported as fraudulent accounts. I contacted the companies who could not verify my SS # stating they don't know it. I contacted XXXX, Transunion, and XXXX who clams it was all verified. How can any of them claim I was verified when the companies don't know my SS #. I was contacted through their website. They have several misspelled names and addresses I never lived at and DOB that was breached. this is this has left my credit damaged big time. Not able to get things. By the way I sent certified letters to all three credit bureaus.
Product: Credit card

My American Express credit card was canceled in XX/XX/XXXX. Even though I have explained to every customer representative that it was not my intention to close the account, it seems to be presented like that in their systems. I have fought back against that closure and tried to reinstate my credit card many times, but I was unsuccessful. I even tried that in this forum by presenting a claim in XXXX to American Express that was, again, not taken into consideration by the American Express company. 
I'm disappointed with this company that used to be very good in customer service and has been affected during the last years, becoming terrible in my recent interactions with them. 
As I mentioned, the credit card was incorrectly and unfairly canceled in XX/XX/XXXX, but now, in XX/XX/XXXX, I have found that I should pay {$450.00} due to a " benefit '' that was offered with the credit card called " Miles in advance '' or " Miles ahead. '' Back then, when I requested this benefit, I intended to get miles in advance and use the credit card during the following six months to re-pay those miles asked ahead by returning miles every month, as the promotion/benefit is intended to work. But since my credit card was unexpectedly canceled, I couldn't continue making purchases with it and, therefore, was blocked from gaining new miles that would have re-paid the miles in advance requested. 
I called customer service today at XXXXXXXX XXXX  EST. I explained this situation to two different customer service employees ; they didn't understand the program/benefit and didn't know how to help and kept transferring me. I was assigned to " new applications for credit cards, '' which had nothing to do with what I needed. As I said, the customer service at American Express has deteriorated. 
I was finally transferred to " XXXX '' at around XXXXXXXX XXXX EST, and after another 15 minutes of explaining all my issues to him, he simply mentioned that he couldn't do anything and wrote down my complaint. 
I talked for one hour ( very inefficiently ) with American Express customer service, and nobody could help me. I want to waive this amount from my account and keep it canceled as it has been for the last six months. 
I hope that someone at American Express is still interested in customer service and reads this complaint.
Product: Checking or savings account

Our checking account was debited fortunately in XXXX on and around XX/XX/XXXX totaling {$3000.00}. The charges were in XXXX at a XXXX XXXX. My son who uses that accent was in XXXX with the Atm card and his phone.He was without internet service much of that time and did not get notifications. I filed a complaint with Truist bank, and they stated that the device was present, which was impossible. I made two appeals with the same result.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXB XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting act XXXX  Account # 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

This is the several time I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

When I reviewed my credit report once more, I discovered that the information was erroneous. The 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 the reporting account as unverified information without providing any proof within the period allowed by law. The account needs to investigate and correct for erroneous reporting in my file and is listed on my credit report : XXXX XXXX Balance : {$6000.00}.
Product: Credit reporting or other personal consumer reports

I recently filed a lawsuit in small claims court in XXXX XXXX and successfully won my case. However, XXXX XXXX XXXX XXXX ( XXXX XXXX ) has not removed the related item from my credit profile in a timely manner, as required by law. This delay has caused me significant distress and financial difficulty, particularly as the company continues to act in violation of 15 USC 1681. 

I am requesting that this item be removed from my credit profile within XXXX hours upon receipt of this notice.
Product: Credit reporting or other personal consumer reports

Date : XX/XX/2024 Subject : Complaint Regarding Violations of the Fair Credit Reporting Act ( FCRA ) and Truth in Lending Act ( TILA ) I am submitting this complaint regarding violations of my rights as a consumer under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ) by EQUIFAX. 
Despite my previous correspondence ( Letter 1 datedXXXX ] and Letter 2 dated ( XX/XX/2024 AN XX/XX/2024 ) which requested the removal of the above-mentioned account due to inaccuracies and failure to validate the information as required by law, EQUIFAX has not conducted a proper investigation nor provided the required documentation. 
Reasons for Complaint : 4. Violation of the FCRA : o Investigation Requirements ( 15 U.S.C. 1681i ) : Your verification response did not include a sufficient description of the investigation process, as required by the FCRA. You failed to adhere to the obligation to provide a thorough and detailed account of the steps taken to verify the information. 
o Permissible Purposes ( 15 U.S.C. 1681b ( 2 ) ) : The information provided did not comply with the permissible purposes outlined in the FCRA. The verification process failed to meet the established standards for handling and reporting information. 
o Privacy Rights ( 15 U.S.C. 1681a ( 4 ) ) : The continued inclusion of this bankruptcy record and associated accounts infringes upon my privacy rights. The failure to follow appropriate procedures for handling sensitive information constitutes a violation of this section. 
o Description of Investigation ( 15 U.S.C. 1681i ( 7 ) ) : Credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a dispute. To date, I have not received this required information. 
o Invocation of 15 U.S.C. 609 ( a ) ( 1 ) ( a ) and 15 U.S.C. 609 ( a ) ( 2 ) : I am invoking these provisions to request the removal of this account and to demand proof of its verification. The failure to complete this verification constitutes an abuse of my rights. 
5. Violation of the TILA : o Disclosure Requirements : [ EQUIFAX ] failed to provide accurate and timely disclosures regarding the account status, breaching the TILA requirements. 


6. Federal Consumer Protections : o Title 15, Chapter 41 : The failure to provide adequate proof and the apparent disregard for my rights under the FCRA indicate a violation of federal consumer protection laws. 
o Public Law 91-506, Title VI, Section 611, Subsections A-D : This law stipulates the procedures for the removal of inaccurate or incomplete information from credit reports. The response and verification process did not comply with these provisions, necessitating the removal of the bankruptcy record. 

Immediate Action Requested : Delete Immediately for Violations of the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ) : 2. Creditor Name : Account Name : Account Name : XXXX Account Number : XXXX below the inaccurate information persistently affecting my credit report.
Product: Mortgage

My husband filed bankruptcy in XX/XX/XXXX. In XX/XX/XXXX, after a very long and difficult period working with XXXX, we modified our mortgage under the HAMP plan. Please note, that I was the primary borrower on our mortgage but had NOT filed bankruptcy. We also a XXXX mortgage with Ocwen, who refused to work with us on a modification on our XXXX mortgage. Ocwen advised that they could not speak with my husband regarding the bankrupsty, however, as I had stated to them on numerous phone calls, I was not part of the bankrupsty so they should be able to converse with me, but refused. When asked how we could settle approximately one year later, they said the load was written off, however, we never received a lien release, but went by their word. Ocwen purchased the first mortgage from XXXX and then shortly shortly after, sold the mortgage to XXXX. We have been making payments faithfully for over two years with Ocwen and XXXX, but now that we are only with XXXX and due to the modification agreement after five year, which will be in XX/XX/XXXX interest will adjust, so we went to one of our C.U to refinance our mortgage ( and we were approved ) and that is when trouble again begain as the title searched turned up the second mortgage lein. My husband tried to call the Ocwen immediately, but was told that a lein research release takes a minimum of 6 months and can only be done via fax. This is totally unexpectable and as faithful consumer, we have worked diligently to keep our credit rating in good standing, only to once again, be help back by the big banking industry. We have been dealing with this type of treatment for approximately 10 years, starting with XXXX and would really appreciate some relief when we work so hard to follow all the rules that the banking industry has established, however, only to be repeatedly abused by these big corporation. This is no doubt Unfair, deceptive and abuses acts and practices two fold. Thank you for any advice and or guidance you can provide..
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortionXXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$19000.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX
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 XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022 FILE 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 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

My account with XXXXXXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and 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 reported in those account to be removed.

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. 


XXXXXXXX XXXX  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! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX DOB XX/XX/XXXX SS XXXX I have some issues with someone using my name and information to open up accounts cable and utilities. I have addresses on my credit report that are not mine. Never lived at theses address it is possible that they belong to a EX or family member. I have a common name and I am a XXXX. The following addresses need to be deleted they are not accurate : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX
Product: Checking or savings account

At the end of XX/XX/2023 US bank put a hold on my account due to a couple of disputes I made for unauthorized and unreconized transactions. I reported US bank to the better business bureau at the beginning of XXXX due to missing money out of my account and suspicous things going on with my account like missing money then money being placed back into the account days later at XXXX XXXX in the morning. also I was being double charged for transactions I had already paid for. So i did a dispute on XX/XX/XXXX and my account was shut down and has been on hold every since even though i have papers from the bank stating the investigation was over they are still holding my money and restarting investigations they have already completed.. Im going to file a lawsuit against this bank because they are messing with my funds and trying to make it seem like im doing some kind of fraud,. the ladys name is XXXX XXXX she has my account on hold and wont release my money to me... ive called my lawyer and will be filing charges against her and US bank
Product: Credit reporting or other personal consumer reports

Ever since XXXX  I have had this account on my credit and I am asking for your help XXXX. 
Lv funding has been another account I don't recognize an they will not take this off of my credit
Product: Credit reporting or other personal consumer reports

I disputed the incorrect information due to the data breach InnThe XXXX XXXX XXXX data breach on XXXX XXXX and XXXX XXXX in XXXX of 2024
Product: Credit card

On XX/XX/XXXX I placed an order on the Macys.com website with a total of {$590.00} using my Macy 's Credit Card. On XX/XX/XXXX I received an email saying that half of my order was back ordered until XX/XX/XXXX and I canceled this part of the order. I called Macys customer service to have the charges of {$360.00} removed. They said that it would take 3-5 business days for the hold to be removed. Today is XX/XX/XXXX and the charges have not yet been removed. I have been on the phone with Macys customer server for over an hour and they are refusing to assist me.
Product: Checking or savings account

I am re-opening a closed business account with Bank of America. 

I made an appointment on line to open the account. 

XXXX XXXX called me to confirm the appointment. She called on a very disconnected line with static, causing hearing difficulties. 

She asked the name of business and what type of business I have. 

I specifically stated a nonprofit corporation. She then reiterated what I stated and told me to bring in my incorporation ( state documents ) and XXXX. 

I responded with thank you. I would like to have a copy of the recording of this call as well. 

When I got to the bank with my the documents requested by XXXX XXXX, she then stated that because I have a corporation, I now need to provide minutes. We already had a phone conversation, in which I let her know that I am a corporation and on that call, she never mentioned minutes as a document I need to bring in. 

She was rude, condescending, and very aggressive. 

I asked to speak to someone else and was advised she is the only one who can help me. I asked for another appointment and she refused.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Remain on my Consumer Report Both are inaccurate inconsistent. 
Non Public personal information