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

FCRA violations : inquires not mine XXXX XXXX, XXXX Dispute this Address Date of inquiry 1 XXXXXXXX XXXX XXXX XXXXXXXX XXXX, NY XXXX XX/XX/XXXX FCRA violations : accounts not mine XXXX & XXXX XXXX XXXX XXXX account details Account owner Individual Account XXXX reported XX/XX/XXXX Account status Unpaid Original Creditor XXXX Date assigned XX/XX/XXXX XXXX XXXX XXXX XXXX : XXXX View account details Account status Age of Account Late payments Closed 4 years 6 months 6 days 4 XXXX XXXX XXXX XXXX : XXXX View account details Account status Age of Account Late payments Closed 3 years 11 months 25 days 6 XXXX XXXX XXXX XXXX : XXXX View account details Account status Age of Account Late payments Closed 3 years 2 months 25 days 3 FCRA violations : payments never late XXXX XXXX XXXX XXXX View account details Reported balance Actual payment amount Date of last payment Past due amount Account status Date reported {$840.00} XX/XX/XXXX Pays account as agreed XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX View account details Reported balance Actual payment amount Date of last payment Past due amount Account status Date reported {$5.00} XX/XX/XXXX Pays account as agreed XX/XX/XXXX XXXX XXXX XXXX XXXX View account details Reported balance Actual payment amount Date of last payment Past due amount Account status Date reported {$380.00} {$480.00} XX/XX/XXXX Pays account as agreed XX/XX/XXXX XXXX XXXX XXXX : XXXX View account details Reported balance Actual payment amount Date of last payment Past due amount Account status Date reported {$510.00} XX/XX/XXXX Pays account as agreed XX/XX/XXXX XXXX XXXX XXXX  XXXX : XXXX XXXX account details Reported balance Actual payment amount Date of last payment Past due amount Account status Date reported {$260.00} XX/XX/XXXX Pays account as agreed XX/XX/XXXX XXXX XXXX XXXX XXXX : XXXX XXXX account XXXX Reported balance Actual payment amount Date of last payment Past due amount Account status Date reported {$1900.00} XX/XX/XXXX Pays account as agreed XXXX XXXX XXXX : XXXX View account details Account status Age of Account Late payments Closed 5 years 5 months 17 days 6 XXXX XXXX : XXXX View account details Account status Age of Account Late payments Closed 5 years 1 month 13 days 4 XXXX XXXX  : XXXX View account details Account status Age of Account Late payments Closed 2 years 8 months 10 days 4 XXXX XXXX XXXX  XXXX View account details Account status Age of Account Late payments Closed 1 year 2 months 11 days 1 Other ( XXXX ) FCRA violations : addresses not mine Previous address XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Dispute this Previous XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dispute this Previous address XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Dispute this Previous XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Dispute this Previous XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Dispute this XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Dispute this
Product: Credit card or prepaid card

This is my second complaints on Bank Of America. I included a file of there response to me and also my response back to them after providing more information. 

Bank of America in its notice to me admitted wrong doing when discriminating against me, a consumer, despite The Consumer Credit Protection Act. 

I also mailed my response via certified mail on XXXX XXXX. 

I intend to fully hold Bank Of America accountable to the use of my credit card pursuant to 15 U.S.Code 1602.
Product: Debt collection

Cedars Business Services , LLC from XXXX, California, sent me a collections letter for an account I do not own. I have never lived in California and never signed with XXXX  for any accounts. I have a XXXX XXXX Account prior to the merger with XXXX  and that account number is totally different and paid in full monthly.
Product: Checking or savings account

My bank accounts are constantly being used fraudulently as soon as I activate my bank cards. It's been going on for months..
Product: Credit card or prepaid card

I am the victim of a fraudster who billed my card for goods and then failed to deliver them. I reported the fraud to the credit card issuer, which made a conditional reversal on or about XX/XX/2020. The fraudster subsequently misrepresented to the credit card issuer that he had -- in fact -- delivered the goods. The credit card issuer reversed the conditional credit on XX/XX/2020 and closed the case. 

I called the credit card issuer on at least three occasions to inform them that the fraudster was also a liar, but was unable to get the credit card issuer to reverse the charge. The credit card issuer misrepresented to me that I would receive a letter in the mail. I never received such a letter. After considerable searching, I discovered a copy of the letter that was allegedly mailed to me on the credit card issuer 's website. I immediately completed the fraud affidavit on XX/XX/2020 and returned it to the credit card issuer. I also mailed a letter to the CEO of the credit card issuer 's parent informing him of the problem and cautioning him that I would file a complete with the CFPB unless the issue was resolved by XX/XX/XXXX. The issue wasn't resolved, and here is my complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX XXXX, PORTFOLIO RECOVERY ASSOCIATES add a derogatory mark on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA PORTFOLIO RECOVERY ASSOCIATES has violated my rights as a consumer and I requesting legal action to remove this account immediately.
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. The 3 credit bureaus must remove any item 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 Balance : {$18000.00} ; XXXX XXXX XXXX  XXXX Balance : {$0.00} ; 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 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This account has been closed and paid off and is still reporting to XXXX, XXXX and XXXX negatively. All three bureaus are reporting different information and remarks. This account has a {$0.00} balance and should be removed from all 3 bureaus. Ive tried disputing this several times and nothing has been resolved and it is still reporting on my credit negatively costing me XXXX of dollars and opportunities. I would like for this account to be removed from my credit report as it has a {$0.00} balance.
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report. To my surprise, you are reporting XXXX XXXX XXXX incorrectly. This collection account is reporting this account incorrectly. The collection account is reporting not only is open, but all also shows a past due balance of {$3300.00}. According to the FCRA, I have the right to have an accurate credit report please provide me a copy of my new credit report reflecting this amount removed upon completion.
Product: Payday loan, title loan, personal loan, or advance loan

The site mentioned I was preapproved to make changes to my original loan. I preceded to apply to takeout an additional {$10000.00} ( consolidation ) to payoff larger interest accounts. The process online was very confusing and as soon as I realized it was to pay off the balance of my original account. I notified the company immediately by chat to correct the issue. I also sent an email and was told there's nothing I can do. Charging me for processing the loan and all, raised my payments on the loan I was paying on and increased my balance and interest rate immensely. With paying off my other credit card debt I would have no problem with the increase but with the increase and still having the other debts it's going to be hard to make the higher payments. The information was very deceptive and not being able to correct it less than an hour after I applied is ruthless. 

Please look into this and let me know what options I have. 

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

There is invalid address on my report My correct address is XXXX XXXXXXXX XXXX  XXXX, al XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Lexus Nexus Consumer Center, said that they can verify a Bankruptcy and have reported it to the credit reporting agencies. But can not provide the person name, address non phone number that verified information to be true from the court.
Product: Money transfer, virtual currency, or money service

I am writing to express my concerns over negligence by the company to settle disputes and/or claims.when I contacted the company in questions there was little to no information on my disputes and have left me feeling vulnerable to scams. The lack of accountability on behalf of Zelle is just outright unacceptable and unprofessional.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite XXXX written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. 
In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ).

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me 15 USC 1681n & 15 USC 1681o ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I demand the following accounts be verified or deleted immediately. 


account number Amount 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: Checking or savings account

I was a customer of BBVA which was acquired by PNC. At the time, I had five business accounts and two personal accounts. Listed below are the issues that I have experienced since XX/XX/XXXX as well as continue to experience due to the acquisition/conversion issues. 

1. Bill payments missing - still an issue 2 Not able to access some of my accounts- resolved after over a week for one of my accounts 3. Personal accounts and business mixed up - resolved after over a week 4. Bill payments being made that I can't see of confirm if they are going to being made - ongoing issue 5. Payments being made without my permission for a line of credit that was paid well before its due date and for more than the required payment - ongoing issue 6. Lack of initial response to my issues and ongoing poor service 7. Not being able to confirm if my employees would be able to get paid because of the issues. 

All in all, this was the worse banking experience ever. It is beyond my comprehension that PNC could have done this so poorly while putting customers money and businesses at risk. I believe that PNC should not be allowed to do any future acquisitions and should incur major financial penalties for this debacle.
Product: Credit reporting or other personal consumer reports

Hey, due to the lack of hiring in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, i was projected job security that never accrued. Stuck with a past bill, after leaving the services and um-surety again of a income deposit.
Product: Credit card or prepaid card

I'm having difficulty accepting this issue and it's affecting my ability to XXXX I urge you to update my account immediately as I have always made timely payments, and this is causing me a lot of XXXX
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : Credit Management
Product: Credit reporting or other personal consumer reports

Nelnet ED you are in violation of the Fair Credit Reorting Act and the CFPB reguation for not reporting the complete payment history of this federal consolidation loan from XXXX  to XX/XX/XXXX, orginated by the XXXX XXXX XXXX XXXX XXXX consolidation loan in the amount of {$49000.00} and now over {$80000.00} Nelnet ED to report to the credit reporting agency the complete payment history of the XXXX XXXX XXXX XXXX federal consolidation loan from XXXX  to present that was terminated by the US Department of Education XXXX. I have not paid a XXXX to Nelent ED and have not signed a forebearance or deferrment. Nelnet XXXX currently has not sent XXXX and XXXX an accurate month by month. payment history of ED/Nelnet student federal loan and it has been over 120 days. Nelnet ED has not sent me monthly billing statements. I have called Nelnet ED and the representative said they have no account in my identity. XXXX and XXXX to report the complete accurate payment history on my online credit report account required by law of the fedral student loan. If Nelnet, XXXX and XXXX do not report the complete accurate paymebt history on my online credit report the law state you must remove the account immediately. Nelnet ED to obtain the approval from the US Department of Education General Counselor to report on my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX sent me a letter saying on XXXX XXXX, 2017, Equifax suffered a data breach. XXXX XXXX XXXX says no data breach were on their end, but my personal information might have been exposed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have incorrect information on my credit report. I have 2 derogatory late payments incorrectly reporting on my account. The 1st late payment is from XX/XX/2022. The 2nd late payment is from XX/XX/2022. I need these late payments removed immediately as they are incorrect. I have sent in dispute letters and tried contacting XXXX XXXX, and equifax by phone and have received no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to contact experian and XXXX about regional acceptance and let them know that the account was fraudulent open up in my name and I also attached both police reports and wages showing proof that the account was fraudulent and every 30 days they say we have to wait until the company responds and each time the respond back as accurate as if the account belong to me and up dates the past due balance ... I am very hurt about this situation because I am a victim of fraud
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. 

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  And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

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 XX/XX/2022 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: Student loan

For the past 5 years I have had difficulties making payments. Yet the Navient n XXXX XXXX reps I always spoke too basically have been telling me that since I get food stamps n cant afford to pay to just keep putting my loans in deferment and/or foreberance until I get back on my feet. I have BEGGED THEM TO PUT ME ON A PROGRAM BASED OFF THE XXXX/MTH i get bt they have told me SEVERAL times A MINORITY and that forebearance n deferment IS ALL THEY HAVE FOR ME unless I win the LOTTERY and pay them ALL that I owe them.
Product: Mortgage

I had a bankruptcy discharged in XX/XX/XXXX at which time the judge would not reaffirm my mtg. I continued paying mtg. even after I relocated from XXXX to XXXX for a job on XX/XX/XXXX. I paid mtg until XX/XX/XXXX at which time I called mtg co. many times asking to give deed to mtg. co. in lieu of pymt. The mtg. co. took months and many calls before they finally mailed me paperwork. They then took many months to process the paperwork I submitted, and, in the meantime they kept reporting to the credit agencies that the mortgage was reaffirmed after bankruptcy ( and outright lie by the mortgage company ) and that I was not paying, It was not until XX/XX/XXXX, after almost a year in trying to resolve the issue with this home I was not living in, did they deny my request to provide deed in lieu of payment on the grounds that my credit score was too low ( 587 ). The mtg. company and their delay in sending me the paperwork and then processing the paperwork is the reason my credit score is so low. The only options they are giving me are Reinstatement, Repayment, or Modification. I live 1700 miles away, and renting the home is not an option under the Affordable Housing guidelines. I am trying to now sell the house, though the maximum price I 'm allowed to sell it for is less than the mortgage amount. At least I think it is, but I have been asking for over 4 weeks for the mortgage company to provide me a payoff amount, and I keep calling them but they will not provide the payoff amount to me. They keep making excuses as to why they can not provide the payoff amount and keep extending the date when I will receive the payoff amount. I was first told I would receive it in 5 days. I called them after 2 weeks and was told in another 4 days I would receive the payoff amount. That was over 2 weeks ago. They are holding me hostage or punishing me and in the meantime continuing to destroy my credit for a mortgage that a bankruptcy judge told me I was not legally responsible for.
Product: Credit card or prepaid card

Visa U.S.A. Inc will not respond to my complaint regardin

g Costco Wholesale. Costco is attempting to collect a charge after the card issuer initiated and resolved a chargeback in my favor ( Please see attached Documents ). I believe Costco Wholesale is in violation of the Visa Core Rules and Visa Pr
oduct and Service Rules. I called XXXX and filed a complaint approximately 2-weeks ago. They informed me that I would receive an email documenting my complaint ; I received no such email. Visa U.S.A. Inc has been non-responsive and Costco Wholesale 's recent actions have resulted in a financial loss.

I have followed-up with Visa U.S.A. Inc by sending them a written complaint. As of this writing I've received no response.
Product: Debt collection

On XX/XX/XXXX, I contacted the collection agency via mail to request validation of the debt and to request that they cease communications with me until the debt could be verified. However, to date, I have not received a response from the collection agency regarding the validation of the debt. 

Subsequently, I contacted the agency 's dispute department and spoke with XXXX XXXX and I was informed that they had sent a validation debt letter to the original creditor on XX/XX/XXXX and were awaiting a response. I followed up with the agency on XX/XX/XXXX as advised, but they informed me that they still had not received the validation of the debt and then disconnected the call. 

Despite my efforts to resolve this issue with the collection agency, they have failed to provide the requested validation of the debt, which continues to negatively impact my credit score. I believe this is a violation of the Fair Debt Collection Practices Act and request that the CFPB investigate this matter further.
Product: Credit reporting or other personal consumer reports

I had requested the reporting agencies to remove the following accounts due to identity theft roughly 60 days ago and they have not removed it. Since then I have filed another Identity theft report to remove this false information. I did not consent to this information being on my report and I have revoked consent to get this information removed. The accounts goes as follows XXXX. XXXX XXXX Account XXXX : XXXX XXXX. XXXX XXXX  Account XXXX : XXXX XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX XXXX XXXX Account Number : XXXX
Product: Debt collection

I attempted to notify the person calling of a change of address and they told me it is not their job to keep that information. They were supposedly sending information to an address that I have not lived at for 10 years. My family is receiving threatening phone calls and i have received emails threatening to take my exempt income, lose my job, seize my retirment fund and so forth. I tried to speak to a supervisor who told me the same thing, that it is their job to basically hunt me down, not help me. They were threatening to file papers with XXXX XXXX and again I asked to provide a new address and they refused. I received no bills from a collection agency in reference to this matter and I asked for them to mail me a copy, and they refused. They said they made an offer and I refused it, which I did not, I asked for them to speak to my mother and instead they refused to work with me or her. She tried to talk to the supervisor and he was very rude and hung up on her. To date I still have received no copies of bills, only harassing phone calls to my family and threatening phone calls to myself.