23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I was billed {$1700.00} from Bank of America. I went on the mobile app and paid the bill using my XXXX Bank account. About a XXXX later I discovered that Bank of America tried to draft out of an old account I used to use, but have only used once in the past XXXX months. My old bank ( XXXX XXXX XXXX ) ran it XXXX and charged me {$60.00} in fees, in addition to Bank of America charging me a {$25.00} returned payment fee. I immediately contacted Bank of America and the representative told me that it was a mistake on their app and they would take care of it and I would see it fixed on my next statement. I paid for the bill that day out of the correct account and it did go through. A few weeks later when my statement came, it was not fixed, so I called Bank of America again and was told the same thing. Again, it was not fixed. I called Bank of America for a XXXX time and spoke with XXXX and superior of card financial services, XXXX who both told me that I would get refunded their {$25.00} fee, but not the {$60.00} they cost me from XXXX. I was told that even if it was their fault they were not authorized to fix it and that I should contact my financial institution myself. I contacted XXXX and was told by XXXX XXXX, who was ever so helpful, that in these kinds of circumstances, the institution who caused the problem would typically rectify it from their end, which is what I was originally told by Bank of America. I do n't understand why Bank of America, who could easily contact XXXX and fix this, would want to defraud me out of my {$60.00}. I would appreciate anything you could do to assist me in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2019 Wells Fargo Mortgage reporting delinquent 43 days late.

I am a victim of Data Breach as result of Wells Fargo disclosing my information.

I have on going Identity Theft as a result of Wells Fargo leaking my personal confidential information as well as my Banking account and caused Bank Account difiulites.

Wells Fargo has reported 43 days late on payment when it is on time and has never been late to all 3 Credit Bureaus, XXXX XXXX, XXXX, and XXXX.
Product: Checking or savings account

The bank claims the forms they provided and I filled out to close 2 CD 's were incorrect. CD # 's ending in XXXX & XXXX. This has moved to Bank of America 's resolutions group and I have been told that the bank is not sure how to close the accounts. The CD 's were purchased in the XXXX 's and none of the original application information has changed. There also have been penalties charged against the CD 's but no one from Bank of America can tell me why. This is been going on for about 6 weeks now. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am an active participant in the XXXX  XXXX program since XX/XX/XXXX I was approved on XX/XX/XXXX for Mortgage, Utility and HOA assistance. 

My previous loan servicer XXXX XXXX reported my account as late and they have yet to apply the funds to my account. It was admitted that they received a check on my behalf, however returned the check because of a discrepancy in the amount. The amount was " too much '' as confirmed by Loss mitigation- so they sent the check back and within 5 days reported my account as late. 

According to new regulations, servicers aren't supposed to penalize and adversely report late payments to credit bureaus knowing the applicant is both participating and approved for payments.
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 XXXX Account number XXXX 15 u.s.c. 1681 section 602 A. Section 2 : it states I have the right to privacy 15 u.s.c 1681 section 602 A.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

Equifax Inc. said its systems were struck by a cyberattack that may have affected about 143 million U.S. customers of the credit reporting agency. The Intruders accessed names, Social Security numbers, birth dates, addresses drivers license numbers, and credit card numbers.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account # : XXXX XXXX XXXX XXXX XXXX This account is not mine but is reflecting on my credit reports. 

They are illegally furnishing data on my consumer report that one is not mine or i dont remember opening these accounts. i never gave capital one any verbal or written consent to report anything on my consumer report. no consent is identity theft. so they are violating law 15 U.S. Code 1681b i am personally writing to them with help of my lawyer that is telling me to gather all this information to file lawsuits to the credit bureaus and these companies that are making money off me while maintaining my credit in the ruins. selling my information to third parties.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a bankruptcy that should not be there from XXXX and I was sick with XXXX  XXXX and I been having a lot of fraud on my report and also been working with the credit bureaus and been removing some thing that doesnt belong
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Americollect over a week ago about a debt that popped up on my credit. I was told it was medical bills for my daughter. I explained to them that I was not aware of the debt and was not given the proper letter of notification to offer a dispute. I explained to the rep that I am not the responsible party for this debt it is her mother per the court order. The rep advised she will get this closed out on her end and have the credit updated accordingly. 

I called back in today and spoke with a rep who gave me totally contradicting information. I requested a member of the management team. A supervisor by the name of XXXX took the call. XXXX was not engaged in the conversation and was not trying to understand my concern. She was more focused on my attorney than my concern that I called in to discuss. I asked to speak to her manager she placed me on hold and then hung up. 

The negligence and reckless reporting by this company has negatively impacted my credit. If they do not fix this voluntarily I will not hesitate with legal action against Americollect.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed with the 3 major credit bureaus about my 2 old accounts with XXXX XXXX on XX/XX/XXXX and received my results from Equifax as closed on XX/XX/XXXX with incorrect information. I paid off my delinquent account with XXXX XXXX on XX/XX/XXXX but they reported my first major delinquency as XX/XX/XXXX. That is impossible if I paid the account off in XXXX of XXXX. Equifax stated the information was verified and accurate as you can see in the attachments. The second account they just changed the numbers when I ask them to delete it because it was reporting wrong for over a year until I pointed it out while working to improve my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

LCI which is a third party company is report Bankruptcy on my transunion report and they have violated my FCRA ACT, Privacy ACt and Gramma Leach Bliley ACt.

605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ] ( a ) Information excluded from consumer reports. Except as authorized under subsection ( b ) of this section, no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 [ United States Code ] or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication antedate the report by more than 10 years. 
( 2 ) Civil suits, civil judgments, and records of arrest that from date of entry, antedate the report by more than seven years or until the governing statute of limitations has expired, whichever is the longer period. 
( 3 ) Paid tax liens which, from date of payment, antedate the report by more than seven years. 
( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years. Furthermore, the Consumer report agency can only add any Bankruptcy to a credit report once they have documentation certifying the Consumer withdrawal of a Bankruptcy Case. This Consumer Report Agency does not have any type of documentation showing that I withdrew any Bankruptcy case and if they happen to have such a document then this Consumer Reporting Agency will be in Violation of My Privacy Act. 


The Gramm-Leach-Bliley Act requires you to develop privacy practice and policies and detail how you collect, sell, share and reuse consumer information. Also, consumers must be giving the option to decide which information, if any, a company is permitted to disclose or retain for future use.
Product: Debt collection

I received a letter only saying I needed too pay {$8900.00} with no explanation of what the bill was or when it was from. I received this letter in the beginning of XX/XX/XXXX. I called the debt collector and asked what it was for because I have been working hard to pay off all my debts and I know I don't owe anyone money and a lady told me I owe them this amount for a medical bill from XXXX. I have no idea what the medical bill is or where it came from. 

Today I was served with papers to be in court in XXXX and I am being sued for this amount.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, Account # XXXX have violated my rights. 

15 U.S.C 1681 section 602 A. States I gave the rights to privacy. 

15 U.S.C 1681c section 604 A Secion 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Product: Credit card or prepaid card

Chase credit card opened in my name without my consent, or knowledge.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the fair credit reporting act ( FCRA ) to conduct a reasonable re-investigation of disputed information on my credit report. Leaving inaccurate or unverifiable Accounts unresolved. The consumer financial protection bureau. ( CFPB ) has recently filed a lawsuit against Experian, Alleging systematic issue 's Such as failing to forward consumer Provided evidence To furnishers, accepting unreliable responses And failing to adequately notify consumers Of dispute outcomes. These failures align with my experience Where Experian has neither corrected. Nor removed Disputed items despite the evidence I provided, causing ongoing harm To my Credit standing. I am requesting immediate corrective action To remove or amend the disputed accounts. as experians in action violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I logged on to the website for the Annual Free Credit report. I was able to obtain two of the three credit reports right away. The report from Equifax I couldn't obtain. The four questions that were asked, I had to respond with " None of the Above. '' I tried answering the form twice today, that is a total of eight times I had to respond with " None of the Above. '' I know that the answers that they are asking have nothing to do with me or my account. 
Here is a simple statement about my credit history over the last ten years. I have neither applied for or obtained credit in a form of a loan or credit card. I did have my identity stolen and all marks about the identity theft have been removed from my credit files over a year ago. 
I am asked on the questionaire about store credit cards, loans, car loans, personal loans, bank names and monthly amounts for those accounts that apparently occurred within the last five years. Again, I have not applied for any credit in the last ten years. 
I would like Equifax to ask relevant questions regarding me. I believe Equifax needs to maintain accurate records regarding myself,
Product: Credit reporting, credit repair services, or other personal consumer reports

I received my reinvestigation back from TransUnion and XXXX regarding this account : XXXX XXXX ACCT # : XXXX. They stated everything was 100 % completed and updated as accurate. I would like to receive the description according to 15 USC 1681 ( i ) ( 7 ). Because this account is not accurate.

There are discrepancies in the date of last activity, date reported, date opened, closing date and the date of late made payment. I have included a screenshot of my most recent consumer report from XXXX comparing these inaccuracies as well as the most recent report directly from these bureaus. They did not modify or delete the information from my consumer report according to 15 USC 1681i ( 5 ) ( A ) ( i ).
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. 
This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XX/XX/XXXX Account Number XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXXXX/XX/XXXXAccount Number XXXX XX/XX/XXXX Account Number XXXX
Product: Credit reporting

On XXXX/XXXX/2015, I submitted a dispute online with Transunion credit reporting agency. I stated that on XXXX/XXXX/2015, I paid an original creditor, XXXX, in full on an account listed under a collection agency, XXXX XXXX. I gave the confirmation number for XXXX, XXXX and the full amount paid off, XXXX. Transunion 's 'resolution ' is still showing the collection listing as " XXXX XXXX. '' I did NOT pay the collection agency, XXXX XXXX. I paid directly to the original creditor, XXXX. I also submitted a written dispute dated XXXX/XXXX/2015, with all the information and a copy of my California identification card.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX sold my account debt of {$360.00} to a collection agency and closed the account on XX/XX/2014. When I check my credit report, the balance owed still shows {$360.00} and not {$0.00}. Since the account was sold I am no longer obligated to pay XXXX XXXX XXXX and the account balance should be {$0.00}. I have also received letters from three different collection agencies claiming they own the debt now.
Product: Credit reporting or other personal consumer reports

Account assigned by creditor ( XXXX ) to a collection agency ( Portfolio Recovery Associates phone XXXX. To my knowledge no notice about this account or the alleged past due amount was ever sent by XXXX to me or to my wife who is the primary account holder. 
I was contacted on XX/XX/14 by a lender who wanted me to know that my credit score had dropped roughly XXXX points to XXXX. The credit report indicates that i am an authorized party on the acct, that {$990.00} is outstanding and that the account has been closed. It is flagged as aderogatory information. 
Contacted both XXXX and Portfolio Recovery to have this identified as a disputed account. I got the run around from both even after explaining that failure to correct could have an adverse effect on my livelihood
Product: Debt collection

I just received a letter from your company stating that I owe an outstanding balance. This letter is not a refusal to pay, however, I would like to let your company know that I am disputing your claim. Under the FDCPA, I am allowed to request verification from third party collection agencies. As you know, not complying with FDCPA will put your company in a bad position with the FTC, so I am asking that your company supply me with a copy of the following : 1.Proof that you either own or were assigned the debt from the creditor 2.Proof that you have the right to collect this debt in my state 3.Proof that your company carries a bond 4.Proof on how your company assessed the outstanding debt 5.Payment history from the original creditor 6.Name and address from the original creditor 7.Copy of the original contract bearing my signature Thank you for your time and cooperation
Product: Credit reporting, credit repair services, or other personal consumer reports

Earlier this year, 2021, I was bombarded with anonymous phone calls to my home with demands for payment for an overdue bill from a company identifying itself as XXXX XXXX XXXX. I repeatedly requested that they send me paperwork to validate these claims. But, I received nothing in print to verify this company 's claim. I can prove that I have received nothing from this company as my room mate has USPS photo monitoring of our address. If they refuse to validate this claim, how am I to know if they have a valid claim. Just recently, when I attempted dispute this claim via XXXX XXXX, Transunion dropped my credit rating from XXXX to XXXX! How can they do this if the XXXX XXXX XXXX, XXXX.refuses to validate their claim? Through XXXX XXXX I keep a phone log, but XXXX XXXX XXXX XXXX XXXX doe not identify their calls. How am I to know that their calls are not from scammers.
Product: Debt collection

UCB Collections has been reporting to my credit report that I owe them a debit that has not been verified after multiple attempts to verify the debt. There is no debt owed to this company.
Product: Student loan

I was part of the XXXXXXXX XXXX XXXXXXXX lawsuit against the XXXX XXXX for school misconduct and predatory practices. My federal loans are also being discharged through the recent BidenXXXX case against the XXXX XXXX for the same reasons. I was advised Navient was also allowing private loans to be discharged under this same premise. I filled out all the documents and provided all the supporting documentation I had but the discharged through Navient was not approved and no additional information was provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I mailed out letters to dispute inquiries that were unauthorized credit polls on my credit report from XX/XX/XXXX. I have not had any response to my letters.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX. XXXX XXXX XXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX  XXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within XXXX 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 relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX  XXXX XXXX, MN XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX ; XXXXXXXX XXXX XXXX XXXX Balance : {$5900.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX Balance : {$1700.00} ; XXXX XXXX XXXX Balance : {$40.00} ; XXXX XXXXXXXX Balance : {$96.00} ; XXXX  XXXX Balance : {$110.00} ; XXXX  XXXX Balance : {$10.00} ; XXXX  XXXX Balance : {$75.00} ; XXXX  XXXX Balance : {$21.00} ; XXXX  XXXX Balance : {$80.00} ; XXXX  XXXX Balance : {$210.00} ; XXXX  XXXX Balance : {$31.00} ; XXXX  XXXX Balance : {$310.00} ; XXXX  XXXX Balance : {$28.00} ; XXXX  XXXX Balance : {$570.00} ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX.