23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Wrote Bank of America on XX/XX/XXXX to put my account in a billing error for {$10000.00}. Haven't heard nothing back from them. Then I wrote them again on XX/XX/XXXX, asking requesting the same thing. Still haven't heard anything. Per my statement, I am putting in a billing error dispute. The error I notice is for the balance of {$10000.00}. According to 12 CFR 1026.13 I should not see any adverse reaction such as requesting a payment while a billing error dispute is active, adverse credit reporting, acceleration of debt, and restriction of account in any form. If any of these actions or any action according to 12 CFR 1026.13 happen I will sue in Federal Court, reported to the SEC for securities fraud, and report to all administrative enforcement under 15 U.S. Code 1607
Product: Credit reporting, credit repair services, or other personal consumer reports

I first noticed an entry on my credit report that was furnished by a company named Midland Credit Management , INC . I then went ahead and contacted their company to further investigate this item on my credit report. I know first and foremost that no item can be put onto my credit report without permissible purpose and upon submitting a dispute with midland credit they have completely and utterly ignored me, the consumer. I sent my letter Via USPS Certified Mail and the tracking number is # XXXX and was left with an individual on XXXXXXXX XXXX. on XX/XX/2021. I still have not received a reply which puts them further than the 30-day period they have to investigate the item.
Product: Credit reporting or other personal consumer reports

I contacted this company in regards to a Bankruptcy they are reporting on my consumer and Lexis Nexis report. This company stated that they verified the account with XXXX XXXX is not a valid source of verification. I KNOW MY RIGHTS AS A CONSUMER! THIS COMPANY IS IN VIOLATION TO 15 USC 1681B AND 15 USC 1681C-2A! I HAVE NOT GIVEN THIS COMPANY ANY WRITTEN PERMISSION TO ACCESS MY PERSONAL INFORMATION! I ALSO PROVIDED PROOF TO THE COMPANY THAT THE US BANKRUPTCY VERIFIED THEY DO NOT SUPPLY ANY OF MY INFORMATION! TO THIS COMPANY OR ANY OTHER CONSUMER REPORTING AGENCY!
Product: Credit card

Credit card was charged a returned payment fee of {$30.00} on XX/XX/year>. Citi has repeatedly failed to provide an additional information or provide credit for the erroneous transaction. 

Spoke to XXXX ( XXXX ) and account supervisor XXXX ( Florida ) on XXXX who could not only provide details of the transaction but also couldn't get the matter escalated for Citi to XXXX and provide additional details.
Product: Mortgage

Our previous complaint was closed a few days ago, case # XXXX. After almost 3 months of trying to close on a refinance with Loan Depot. On XX/XX/2018, a few days before Loan Depot was to respond to my first complaint, they informed me that our loan would be cancel because of information that they needed from the bank that is holding the mortgage of the note to be refinance, wasnt able to be attained by XXXX XXXX, loan depot 's contracted verification company. My wife and I have been in and out of banks, retrieving loan histories and pay off statements. We have also been on many third party calls with XXXX XXXX to verify information. Loan Depot is blaming me and my wife for them not being able to attain the information that they are requesting. We have offered statements that reflects the information that they have requested. They have already received the information and now they have requested the same information over again. We are cooperating with their third party verifying company, but the banks are apparently not sending the the information. Loan Depot has cancelled the process because of this. They are trying to make it our fault, just like they tried to make the so called undisclosed properties our fault. When everything was in the income tax returns. Loan depot is holding us responsible for the unsuccessful efforts of XXXX XXXX  to attain their requested information. We have meet their requirements and just want to close the deal. The truth of what i have said can be verified by my banking institution, XXXX  XXXX, and Loan depot because every phone conversation was on a recorded line.
Product: Credit reporting or other personal consumer reports

I am formally requesting this letter to remove the following items in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will violate the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$320.00} XXXX XXXX Balance : {$35000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1700.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$700.00} XXXX XXXX XXXX XXXX XXXX Balance : {$21000.00} XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$21000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to report a data breach claim from XXXX that has resulted in over XXXX inquiries being reported on my credit report. I am concerned about the potential impact this may have on my credit score and financial well-being, and I would like to request assistance in resolving this issue. 

According to XXXX, the data breach occurred on XXXX. Since then, I have received numerous inquiries on my credit report from various companies and individuals. These inquiries have caused significant concern and stress, as I am not sure how they may have obtained my personal information or why they are attempting to access my credit. 

I have contacted XXXX and have been assured that they are taking steps to address the data breach and protect their customers ' personal information. However, I am still concerned about the potential damage that has been done and would like to request assistance in resolving this issue. 

Thank you for your attention to this matter. I look forward to your response and any assistance you may be able to provide.
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 Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX  Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX has violated my rights. Or list of inquiries 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: Debt collection

I have a collection account listed on my credit reports by a debt collection agency, Convergent Outsourcing Inc, collecting on behalf of XXXX. Convergent Outsourcing Inc is not licensed to collect in the state of Pennsylvania and therefore I am disputing this collection account. I tried to dispute this with the BBB XXXX XXXX,2017 and was unsuccessful.
Product: Mortgage

I was receiving calls from other company about PMI on my mortgage I contact Chase about this. I was informed that it was on my loan but I was told it would come off in XX/XX/2018. I was later told that it was not on the notes however, calls are documented I asked the representative to review the notes and I requested to be transferred to a supervisor. I continue to get bad information from Chase they called me back and they gave me bad information. They have made several mistakes on my loan and forgot to include a second mortgage which you can inquire about and after this interaction, I requested no calls from them. They continued anyway. I called in XXXX to remind them on no calls when I made my payment. Now it is XXXX and I do not have access which I wanted to know why and they have sold only my active first mortgage to another lender.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft several years back so every now again someone tries to apply for credit using my information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The following credit inquiries listed on my Experian credit report are fraudulent, unauthorized and dont belong to me : XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX,  XXXXXXXX XXXX XXXXXXXX XXXX, XX/XX/XXXX, XXXXXXXX XXXX, XX/XX/XXXX,  XXXX XXXX, XX/XX/XXXX, XXXXXXXX XXXX XXXXXXXX, XX/XX/XXXX XXXXXXXX XXXX, XX/XX/XXXX. I filed a police report with the XXXX County Sheriffs Office in regards to the fraudulent inquiries listed on my Experian credit report. The police report case number is # : XXXX.
Product: Money transfer, virtual currency, or money service

On XXXX I initiated a wire transfer through a branch of 5/3 bank to an account I own XXXX  where I currently work. I confirmed the transfer and it was approved by the fraud team and the money left my account. I called in on XX/XX/12 to get the details of the transaction as I didnt receive confirmation details. The first two agents, whom were located in an XXXX call center, didnt have access to provide me details and told me to visit a local branch. They also both released the call. I was told that the call center agents dont call back customers when the connection drops on their end, a frequent occurrence in the XXXX  XXXX 

I called in and spoke to a third representative who I immediately asked to speak to a supervisor. This supervisor transferred me to the wire department, who told me they didnt handle personal accounts and would transfer me to someone who did. I asked that they confirm the person I spoke with would be able to provide me the requested information and they assured me they would. Instead they cold transferred the call back to a general inquiry rep who couldnt see the information I needed. 

I am now speaking to my 5th person who cant provide me the needed information. She too released the call.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX, XXXX and TransUnion Credit Reporting Agency have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX, XXXX and TransUnion have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I contacted XXXX, Experian XXXX XXXX to dispute the reports on my account based on the social security fraud that was taken place when I opened any of the accounts, unknowing to me at the time my signature is what created the credit to begin with and I kept receiving bills even though when approved by these companies every was paid and full at time of signature. 

15 U.S. Code 1602 ( p ) The term unauthorized use, as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. 

15 U.S. Code 1662 - Advertising of downpayments and installments No advertisement to aid, promote, or assist directly or indirectly any extension of consumer credit may state ( 1 ) that a specific periodic consumer credit amount or installment amount can be arranged, unless the creditor usually and customarily arranges credit payments or installments for that period and in that amount.

( 2 ) that a specified downpayment is required in connection with any extension of consumer credit, unless the creditor usually and customarily arranges downpayments in that amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

for several months, i have asked the bureau to provide me with proof that the unverified account belongs to me. i have asked several times, over several months for them to produce me with documentation that bears my signature, that shows a binding agreement by myself and the reporting on my credit file. the bureau has failed to do so and only responds back with a general " verified '' response. they havent indicated how it was verified, who they spoke with and what information was shared with them that shows it is verified. i believe that this is in violation of my rights. this is in violation of FACTA & FCRA.
Product: Student loan

Student Loan servicer Nelnet is billing 3 payments ahead instead of using standard billing practices and then calling to collect on on amounts that are yet to be due and this is placing an unfair financial burden on borrowers
Product: Debt collection

A collection agency is reporting that I have an outstanding debt from an apartment community, dating back to 2012. I contacted the collection agent to pay off the debt, but they were asking me to pay more than the amount that was reporting on my credit report. I have asked the collection agency for a detailed itemization of the charges they are trying to collect, because I do not think I owe as much as they are asking for. Unfortunately, they will not provide me with that information.
Product: Credit reporting, credit repair services, or other personal consumer reports

My lawyers contacted Experian via certified mail on XX/XX/2022 to have unauthorized inquires removed from my credit report.
Product: Credit reporting or other personal consumer reports

Re : Complaint Regarding XXXX Data Breach and Violation of Consumer Protection Laws Dear Consumer Financial Protection Bureau, I am filing this formal complaint against XXXX XXXX XXXX regarding its failure to protect consumer data, resulting in the massive 2017 data breach, which exposed sensitive personal information, including names, Social Security numbers, birth dates, addresses, and in some cases, drivers license numbers. Despite the passage of time, XXXX continues to mishandle consumer data and fails to provide sufficient remedies to affected individuals like myself. 
Facts of the Complaint Exposure of Personal Data : As a result of the XXXX breach, my personal information was exposed to unauthorized third parties without my consent. 
Failure to Notify in a Timely Manner : XXXX failed to notify affected consumers, including myself, in a timely and transparent manner, violating legal standards under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

Inadequate Remediation : The remedies offered, such as free credit monitoring, are insufficient to mitigate the long-term risks of identity theft and fraud. 
Failure to Maintain Reasonable Security Practices : XXXX violated the Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6801 ( b ), which requires financial institutions to protect the security and confidentiality of customer data.

Ongoing Harm : Despite corrective measures, I have experienced fraudulent activity and credit issues as a direct consequence of the breach.

Legal Violations Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 


1681b : XXXX failed to properly restrict access to consumer information. 
1681e : XXXX failed to implement adequate procedures to ensure consumer file accuracy and security.

Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6801 et seq. 


6801 ( b ) : XXXX failed to implement safeguards to ensure the security of sensitive consumer data.

Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5531 et seq. 


5531 ( a ) : XXXX engaged in unfair, deceptive, and abusive acts or practices ( UDAAPs ) by failing to disclose the breach promptly and misleading consumers about their security measures.

Federal Trade Commission Act ( FTC Act ), 15 U.S.C. 45 ( a ) XXXX engaged in unfair and deceptive trade practices by failing to protect consumer data and not adequately notifying affected consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. Please remove the account from my file : XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020, {$2100.00} was charged to my Care Credit for XXXX work. I did not have the card, my cards are in my safe deposit box. They had the number so they charged the account. On XX/XX/2020 I needed to make my payment, tried online with Care Credit but it wouldnt let me because I didnt have the last 3 numbers on the back, so I called and they let me make a payment over the phone. He asked the card number and I said I didnt have my card, wasnt sure where it was. ( I am not irresponsible with my credit cards, as you can see my Credit score is in the 800 's ) He instruced me that he needed to note the account and would be sending a replacement card.. Before this call my credit score was XXXX, I received a notice from a Credit Protection company that one of my cards was stolen and if I disagree I was to fill out the dispute, which I did. on XX/XX/2020 I received a letter from Synchrony Bank ( Care credit ) that the lost or stolen card is put on my credit bureau for 2 years. I have truly lost another card of mine, that company NEVER did report me. As of today my credit score is XXXX, XXXX points!! If i can prove I have the old card will they remove this?
Product: Credit card

Made the XXXX payment of {$41.00} on XX/XX/XXXX and made the XXXX payment of {$41.00} on XX/XX/XXXX due to possibly not having access to make XXXX payment. Spoke with XXXX, XXXX number XXXX who informed me that the second payment of XX/XX/XXXX would be applied to XXXX and not to worry and volunteered to give me his badge number in case they " gave me a rough time ''. Citi applied both payments to XXXX and did not follow through as their employee XXXX told me they/he would. Now I have to make another XXXX payment. That is dishonest to say the least.
Product: Consumer Loan

Capital One Auto Finance provided a statement regarding erroneous 30 day lates on my credit report and attached a transaction history of my payments covering the time period in question. 
In their response Capital One states that the purpose of an extension is to keep the account current, catch up on payments and avoid negative impacts on credit. However, on that log, in regards to the XXXX 2012 payment extension ( the payment I needed extended ), Capital One mistakenly entered in that I could get an extension if I paid {$790.00}! This is a gross error because {$790.00} would have made the account current and there would not be any need for a payment extension. For example if someone asks for more time to payback {$100.00} and the XXXX owed replies " Sure, just give me {$100.00} and I 'll give you more time '' that would be deceptive and insincere. 
Similarly, Capital One Auto 's response as demonstrated by their own records is equally unfair and insincere. 
I only needed XXXX 's payment to be extended ( due to a financial hardship ) for my account to be free from any 30 day lates and the extension granted in XXXX 2012 should have happened in XXXX 2012. Capital One made a mistake. 
The proof lies in the transaction record which Capital One Auto Finance provided. 
In XXXX, XXXX, XXXX, XXXX and XXXX 2012 I only made the normal payment required, nothing additional. I had not done anything different since missing the XXXX 2012 payment, yet I was contacted in XXXX 2012 by Capital One and the rep told me that my extension was going to be processed and that I did not have to make any additional payments. Since I had n't made any additional payments, why is it that in XXXX XXXX when my account was a month behind ) I was n't required to pay anything more than XXXX 's payment of {$400.00} but in XXXX I was being required to pay {$790.00}? This again proves my point which is that I only needed XXXX 's payment of {$400.00} to be extended. Also, if I could have paid {$400.00} in XXXX then I would not have needed an extension. Somewhere between XXXX and XXXX, Capital One finally corrected the problem and my account was back in good standing but they penalized me for the error that occurred on their end. The attached statements clearly prove that the Capital One representative who entered the information regarding the XXXX 2012 extension simply made a mistake. The individual from Capital One Auto Finance who provided the attached transaction log, failed to notice and correct the discrepancy. As such my credit report must be immediately corrected and updated by removing the 30 day lates from Capital One Auto Finance on my credit report. The data furnisher has also failed to correct the error within the statute of limitation set forth by law and, according to the FCRA, also constitutes the immediate removal of this errant misreporting. 
Attached is the transaction log which is below the insufficient response from a Capital One representative who clearly ignored the facts evidenced by the records she supplied.
Product: Credit reporting or other personal consumer reports

I submitted a letter to the XXXX and Experian Credit Bureaus last XX/XX/XXXX, to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXX XXXX ; XXXX  XXXX XXXX ; XXXX  XXXX XXXX ; XXXX  XX/XX/XXXX.