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 XXXX XXXX XXXX. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and 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: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.
Product: Credit reporting or other personal consumer reports

The late payment was done in error, however, they now say that they can't correct it because it is XXXX  years old. I spoke with them in XX/XX/year> and was told it would be removed. XXXX XXXX years later it is still there.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX - Filed a dispute due to not having any knowledge of the account existence or that it was going to be sent to collections -Claim was closed on XX/XX/XXXX and account was removed from credit report XX/XX/XXXX -Account was reported again to Credit Bureaus XX/XX/XXXX - Noticed the collections account on credit report and filed a second dispute -Contacted XXXX XXXX XXXX XXXX Was told that they tried to contact us and billed XXXX but the account remained unpaid. Notified the representative that we never received any kind of notification regarding the account being unpaid or that it was going to be sent to collections. Representative said that she could not release any information regarding the account because it is an old account. Requested a copy of the claim document for personal review; was told they can only mail it ( no fax or emailed copies ) -Contacted XXXX XXXX to inquire about the claim. Representative XXXX XXXX XXXX stated that they never received any claim associated with the policyholder. 
-Contacted XXXX ( XXXX XXXX ) to inquire about the claim. Representative stated that they never received any claim associated with the policyholder. 
-Contacted XXXX XXXX to inquire about the claim. Representative XXXX XXXX XXXX stated that they never received any claim associated with the policyholder. Was also advised that if the clinic would like to submit the claim, they would pay. 
XXXX XXXX XXXX stated that they couldnt resubmit the claim because too much time has passed. 

XX/XX/XXXX -Called XXXX XXXX XXXX XXXX XXXX XXXX Notified them of nonexistence claims with all XXXX regions. Requested that they remove the negative reporting from credit report. Lady on the phone said she would notify the manager and call back. Never called back. 
-Called XXXX XXXX back and requested again that negative reporting be removed, as they were illegally reporting a collections bill when they never submitted the claim to the insurance. 
-Was given a claim number and told to call XXXX XXXX to verify. 
-Called XXXX XXXX again. Spoke with Representative ( XXXX ), who advised that there was no claim and the claim number that XXXX XXXX XXXX gave was incorrect because their claim numbers begin with a letter, and the claim number that XXXX gave was all numerical. Was also advised to seek legal advice, as they are illegally reporting because they never filed a claim with the insurance. 
-Notified XXXX XXXX XXXX XXXX we were going to seek legal advice. XXXX ( supervisor ) got on the line and was very aggressive, unprofessional, and rude.
Product: Checking or savings account

I've tried to have my bank account allow access to join XXXX  and XXXX to contact my bank. If the bank doesn't want to allow XXXX as a third party interest, then they need to open a function as an option that is the same.
Product: Prepaid card

To Whom It May Concern, I am writing to formally address the severe negligence and wrongdoing I have experienced as an account holder with Bank of America through the XXXX program. My personal and financial well-being has been significantly compromised due to unauthorized transactions, transfers, withdrawals, and missing deposits on my account. 

Despite my trust in Bank of America to safeguard my funds and personal information, I have discovered several discrepancies and unauthorized activities on my account, including but not limited to : 1. Unauthorized transactions and transfers.

2. Unauthorized withdrawals.

3. Unaccounted-for deposits that have not been credited to my account. 
4. Multiple unauthorized cards issued without my consent.

5. Misleading information provided by bank representatives regarding the security and management of my account.

Since becoming aware of these issues, I have suffered extreme financial hardship and psychological distress. The banks failure to adequately protect my personal information and funds has not only led to significant financial losses but also caused me undue stress and anxiety. 

The negligence displayed by Bank of America in handling my account is unacceptable. As a result of these actions, I am now in a dire financial situation, struggling to meet my basic needs and obligations. 

I demand an immediate and thorough investigation into the unauthorized transactions and activities on my account. I also demand a full reimbursement of all funds that have been unlawfully taken or withheld from me. 

I expect a prompt and satisfactory resolution to this matter. Please confirm receipt of this letter and provide me with a timeline for the investigation and resolution of my claims. 

Thank you for your immediate attention to this urgent matter.
Product: Debt collection

Spoke with XXXX the initial debt holder. Returned equipment and the bill was settled. Spoke with collection agency told them it was settled years ago. Contacted XXXX again and they informed me it was closed and would be removed from credit report. I contacted yhe collection agency and explained to them. Yhey said ot would be removed from my credit report. In addition, this is debt is from XXXX and is very old. I can not understand how they would try to recollect years later.
Product: Debt collection

There is a negative mark on my credit report from this UNKNOWN entity. I do not owe this entity money. It shows I have a balance of {$850.00} but I do not know either of the listed companies.
Product: Student loan

This is  XXXX   XXXX  who borrowed {$30000.00}  from    XXXX   XXXX   on  XXXX , after I borrowed it, I paid {$18000.00}, after that, discover purchased it on  XXXX , then I paid again to discover {$30000.00}.   So, I paid all, but discover said that I have owe {$15000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I never filed for bankruptcy and the Bankruptcy court did not furnish that information so please remove it under the fair credit reporting act
Product: Credit reporting or other personal consumer reports

Account # XXXX XX/XX/year> XXXX  It is my understanding that per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report. Payment history and the late payments associated with payment history negatively impact my consumer report and are.
Product: Debt collection

I found a collection on my credit reports from this company for a cell phone bill. I knew nothing about it before. Since it was identity theft ( I not only filed a police report, I found the person responsible and gave her name to the Sheriff 's Department - with pictures and proof ), I contacted the credit reporting agencies to inform them. Per the law, they are required to contact me before placing anything negative on my credit. They did not do so. They put negative information on my credit reports, causing my score to go down. When I contacted them, I was told that they used the information given to them by XXXX, which was incorrect and did not pursue anything further on their own. They are also required by law to report only true information. Since they used an incorrect address ( it was an intersection ) I never received notice that there was a collection. This went on even after they received the letter they claim they sent back since it was not a deliverable address, so they reported information they knew not to be true. I have lived at the same address for 7 years and had they looked for my proper information after receiving the mail back, I could have informed them of the identity theft. They have violated numerous laws and refuse to take responsibility for it. 

I filed a small claims case and their attorney all but ignored me, only to bump it up to District court. He also did not fulfill the mandated meet and confer requirements before filing a motion, but I will report that to the California bar and the presiding judge.
Product: Money transfer, virtual currency, or money service

Skrill will not let me transfer out my {$2500.00} or use my Virtual Skrill Visa card. Every transaction is being declined when I have not reached my spending limit.
Product: Mortgage

Numerous misrepresentations about the closing date of two mortgages and updates in the processing of mortgage. No visibility into the mortgage process and soft promises about closing dates that were false. 

Loan processor completely disorganized and has no clue and organization about what documents are expected. We are about to move the closing date thrice in the period of two weeks. 

Nothing Provided in writing. We had to follow up every day about the status of our loans. 
Citizens Bank XXXX XXXX is already under censure from the CFPB. 

This Bank 's loan and underwriting processes are completely disorganized and inefficient to the point of being negligent. 

We had to extend our contracts twice after they had been canceled.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not believe that an investigation was done because there are still unauthorized inquiries on my report. I have already filed a report and sent letters to the credit bureaus 7 months ago explaining that the inquiries being reported are not correct. I will attach the letter with this complaint. The only permissible purposes of an inquiry are employment, insurance, court order and firm offer of credit, neither of which apply - remove the following from my Transunion report immediately : XXXX XXXX  Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX is duplicate but an actual account ***** XXXX  XXXX Inquiry XXXX XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX Inquiry XXXX XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry XXXX XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX **** XXXX  is accurate but duplicate Inquiry *** XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX  XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX
Product: Vehicle loan or lease

XXXX Follow up. 
Santander did nothing to help me. I was able to sell the car for more than amount of loan Santander wrongfully refused to transfer title repossessed vehicle and ruined my credit and did not use commercially reasonable means to repossess car, sell car and never provided me with an itemized statement.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX  Account XXXX XXXX Whom It May Concern, I am in total disagreement with your investigation response. The incorrect items listed above still appear on my credit report, even after your investigation. I would like these items immediately re-investigated and for good cause. These inaccuracies are highly injurious to my credit rating.

Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer generated confirmation.

Please provide : 1. The names and business addresses of each individual with whom you verified the information with above, so that I may follow up.

2. The date you contacted the individual funishers of information.

3. The method of communication you used to verify the information.

I would also like to know if the furnisher provided you with my SSN, address or DOB.

Please forward an updated credit report to me after you have completed your investigation and corrections.

Your cooperation and prompt attention are required by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a hard inquiry on my credit report reported by equifax. I disputed this hard inquiry by writing a letter and sending it certified mail to equifax on XX/XX/2021. Its has been over 30 days and It has not been removed yet. 
According to fair credit reporting act.
Product: Credit reporting, credit repair services, or other personal consumer reports

Plaintiffs, XXXX XXXX XXXX, files the following action against Respondent ( s ) XXXX XXXX XXXX, XXXX, XXXX and Experian XXXX XXXX XXXX XXXX et al for violating 15 U.S.C. 1681 e ( b ) for intentionally and knowingly failing to assure maximum possible accuracy of information contained within consumer credit reports. FACTUAL BASIS 1. On XX/XX/XXXX XXXX XXXX requested, pursuant to FCRA 611 ( a ) ( 7 ), a description of all methods used to investigate and/or verify the accuracy of the reported information on alleged bankruptcies filed XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. XXXX. On XX/XX/XXXX, respondents stated to XXXX XXXX that the reported alleged bankruptcy was certified as accurate and refused to remove said information. At issue in the foregoing complaint is the failure and refusal of Respondents to remove unverifiable bankruptcy from consumer credit reports. There exists no possibility or mechanism for a Consumer Reporting Agency to verify any bankruptcy filings in accordance with 15 U.S.C. 1681e ( b ). All Federal Bankruptcy Courts are restricted from public disclosure of individuals personal identifiers by Federal Court Rule 5.2 ( a ) 1-4. Therefore, not enough information is contained with a court record for a Consumer Reporting Agency to comply with the statutory requirements of the law. In XXXX, the Respondents settled a lawsuit brought by all 50 State Attorneys in a lawsuit pertaining to the use of public records from state and local courts. As part of that settlement the Respondents created the National Consumer Assistance Plan, which in relevant part established enhanced standards ( effective XX/XX/XXXX ) requiring that state and local court public records be reported with at least a minimum of personal identifying elements to include name, address, full social security number and a complete date of birth. Because no Federal agencies intervened on the behalf of consumers, the Respondents opted to disallow Federal bankruptcies in these enhanced standards and requirements. WHERFORE, plaintiff requests that the Consumer Financial Protection Bureau find Respondent ( s ) in violation of 15 U.S.C. 1681 e ( b ) and AFCRA 611 ( a ) ( 7 ) and order an immediate halt to the reporting of bankruptcy information on all related consumer credit reports. Because Respondents have been fully aware that its actions violated the rights of consumers since at least XXXX, the Plaintiffs request that the CFPB join plaintiff in federal lawsuit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. 
These are the items I demanding to be deleted immediately : misleading false reporting you can not report late payments on a charge off XXXX XXXX Account Number : XXXX You can not report a late payment or a past due on a collection account this is a violation. Of the FCRA
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand this account be deleted from my credit report, XXXX XXXX account is being reported with inaccurate information and after being disputed nothing has been done by the credit bureaus, leaving the innacurate information on my credit report is a direct violation of the FCRA, all information on my credit report must 100 % accurate and verifiable across all bureaus or be removed. 
1 ) inaccurate information being reported across XXXX and Equifax is as follows a ) high credit limit - inaccurate b ) credit limit- inaccurate c ) date last reported - inaccurate d ) date last active-inaccurate e ) date of the last payment-inaccurate f ) no notice of dispute on this account g ) payment status on XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX is being reported inaccurately which is a major violation of the FCRA and should be removed immediately.
Product: Debt or credit management

Continued to withdraw the amount agreed upon but gave me false credit scores. I did call to clarify and was guaranteed my credit score is accurate because of their service. For almost 2 years I was being misled. Believing they were being truthful. I applied for different things turned down due to the company saying I was being misleading.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

On XX/XX/XXXX I made a payment to my credit card company for {$2000.00}. The credit card company never applied this payment to my account. 
So I filled a dispute with my credit card company and provided proof from XXXXXXXX XXXX that this payment was made by providing them a copy of the cashed check for {$2000.00}. 
Months later, On XX/XX/XXXX I finally received a letter from my credit card company stating that I was not responsible for this disputed amount. and the appropriate credits would be applied to my account balance. This has still not yet occurred. 
I have been attempting, unsuccessfully, for 6 months to correct their mistake
Product: Credit reporting or other personal consumer reports

This item is identified as bankruptcy. The bankruptcy was dismissed. You need to remove this Bankruptcy from my record to make sure that I don't need to comply with my personal legal rights, which needs your conformity utilizing the law. Please delete this from my file. 

Bankruptcy XXXX XXXX Filed on XX/XX/ Reference number : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I mailed a certified letter to Experian disputing a late payment in XX/XX/XXXX that was on my credit file. On XX/XX/XXXX Experian mailed me back the investigation results. The results was verified as accurate and no changes to my credit file. I have provided Experian proof of my bank statement highlighted the amount that was paid on time in XX/XX/XXXX for the amount of {$110.00}. On my bank statement it shows XXXX which is part of XXXX. The telephone number provide on my credit file is listed as well. I'm having difficulty with Experian to correct my credit file.
Product: Credit card or prepaid card

XXXX store card closed my account on XX/XX/XXXX so I was told from a representative .After making a purchase on XX/XX/XXXX for a roll of XXXX XXXX toilet paper. The account is current and not in default. I am paying on time but now it will affect my credit score by closing my account. The bank has other accounts under my name that in good standard and I do n't understand why they closed my account without a notice.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I was notified that FOUR different creditors had run my credit. I have since received tons of mail from people saying they ran my credit and I could not get an auto loan. The problem is that I NEVER requested nor authorized any of these companies to review my credit or give me an auto loan. 

These are the companies that requested my credit : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX None of them were authorized to run my credit, and they won't help me over the phone. Now, my credit score has tanked by XXXX points because of multiple hard inquiries that I never made. I am not sure if this is a case of identity theft, as I did have a lot going on with family and in the process of moving, but either way, I find their lack of help astounding.