23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On XX/XX/2022, at XXXX, XXXX XXXX received a call from supervisor asking if the bank account numbers were changed and to review emails. Supervisor sent administration manager a copy of an email presumably sent by admin to financial team abroad, the transfer forms sent to XXXX for XXXX funding requests, and a copy of Chat between financial team regarding account number changes that occurred prior to transfer of funds to fraudulent account. After reviewing exhibits,, XXXX XXXX confirmed no bank account numbers were changed and the email correspondence was not sent by admin. Declaration of Incident was announced, and the coordinator notified the incident management team for a pre-assessment, identifying the affected services for response activation. Cases were filed online the evening of XX/XX/2022 with Bank of America and XXXX XXXX Police Department. Saturday morning, XX/XX/2022, XXXX XXXX went to an open branch with case documents and fraudulent account information and manager of branch froze fraudulent accounts established and funds. Bank of America is refusing to return funds in amount of over {$1.00} XXXX dollars for both XXXX entities.
Product: Credit reporting or other personal consumer reports

Asked company several times to provide validation of debt owed
Product: Debt collection

The collection agency Spring Oaks LLC d demanded I sign up for auto pay or I pay in full or they will sue me. I felt lost and felt like I had to pay this collection debt. The debt is currently over $ XXXX from XXXXXXXX XXXX credit card. I told them I could not afford because of COVID. The debt collectors were not understanding and still demanded. They called multiple times a day. Never received any mail from them either.
Product: Mortgage

Rocket Mortgage, XXXX XXXX XXXX, XXXX, MI XXXX, has produced billing errors since I took over as Power of Attorney in XXXX, 2022. These error centers on a monthly charge of {$360.00} for the provision of flood insurance, even though my client already has flood insurance through the XXXX XXXX XXXX. Rocket has received documentation from the XXXX  insurer and myself multiple times proving the existence of flood insurance. However, I received warnings as late as XX/XX/XXXX that Rocket was going to continue to charge {$360.00} for the flood insurance. My client has received threats of late fees and credit damage, this flood insurance weren't paid. I have personally talked to Rocket 's staff to correct these errors. They claim that corrective action will be taken. That remains to be seen as of this date. My client 's experience with Rocket over this insurance issue has caused pain and suffering that Rocket will not compensate for. My client is XXXX XXXX XXXX with XXXX  difficulties. The Mortgage was closed some time before XXXX, but flood insurance was not part of the closure process, even though the lender requires it.
Product: Debt collection

I'd like for them to give me information pertinent to my credit report. They put a hard inquiry on my credit report and I'd like to know if it was in retaliation of my disputes, or to further damage my credit. I'm entitled to this information.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the inaccurate names and addresses appearing on my credit report issued by your agency. 

XXXX XXXX XXXX - Account was not XXXX past due date when paid CAPITAL XXXX XXXX - Account was paid after charge off for a sum agreed to by account holder and needs to be removed CAPITAL XXXX XXXX - Account was paid in full after charge off and needs to be removed CAPITAL XXXX XXXX - Account was paid in full after charge off and needs to be removed XXXX BANK XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Charged off. Paid a sum agreed to by account holder XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX This letter is a formal dispute and request for investigation under the Fair Credit Reporting Act ( FCRA ), 15 USC 1681 et seq The FCRA mandates credit reporting agencies to maintain accurate information in consumer reports. The following provisions support my dispute : XXXX. 15 USC 1681e ( b ) - Accuracy of Information : This requires credit reporting agencies to ensure maximum accuracy in consumer reports. The inaccurate names and addresses negatively impact the accuracy of my credit report. 
XXXX. 15 USC 16811 - Duty to Investigate : This provision obligates credit reporting agencies to conduct a reasonable investigation when a consumer disputes the accuracy of their credit report XXXX requests a thorough investigation into these inaccuracies. 
XXXX. 15 USC 1681c - Disclosure of Consumer Reports : This stipulates that consumer reports should only include relevant and creditworthiness-related information, The inaccurate names and addresses do not contribute to an accurate representation of my creditworthiness and should be removed. 

I kindly request that you investigate the accuracy of the names and addresses associated with my credit report, remove the inaccurate accounts, and provide me with a free copy of my updated credit report.

Failure to address this dispute may result in legal action as permitted by the FCRA. Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

I had a really unfortunate situation in a building where I was renting an apartment. This was during XXXX. I'll spare you all of the details as I am not seeking pity but I had to leave this building due to unruly neighbors who were drinking and partying XXXX during the lockdowns of XXXX. I also had an incident occur in the elevator with another dog attacking my dog. The building management did nothing to help me, I think they were completely overwhelmed and unprepared to handle the pandemic. I can not and do not blame them for that but I also would expect understanding as to why I left when I did. It was unbearable and i did fear for my safety.
Product: Credit card or prepaid card

My direct deposit is missing, it has been over two days and my employer says the transaction is still pending. It is now Tuesday ( XX/XX/19 ) at XXXX XXXX and I usually get my money Sunday night, XXXX Monday ( payday ) the latest. I called the # on back of card SEVERAL times, I only get the automated voice messaging system. I need to speak to an ACTUAL person to know WHY my money is not coming through. I called AMEX corporate and they tell me they can not help me. Shed many tears, cant pay some bills and may miss out on work this week because I have no money for gas  to get there. I will be forced to take the appropriate legal action if this is not resolved.
Product: Credit reporting or other personal consumer reports

Disagreement with investigation, I recently sent you a request to reinvestigate the information previously disputed. I am losing patience with the computer-generated replies I have got. If the information is not immediately reinvestigated and removed, I will be forced to seek legal advice and submit complaints with regulatory enforcement organizations such as the, the Federal Trade Commission, and my state attorney general. The consumer reporting agencies need to report all information with complete accuracy, this account was not late. I requested proof of the previous investigation, I requested records, of who they spoke with, their business address and information, and phone numbers, as well as documentation that the account was late, I asked if they can not provide me with information within 15/days paid never late and requested updated copy of my credit report. As of today, no documentation has been provided. 
XXXX XXXX XXXX XXXX XXXXXXXX. 


XX/XX/XXXX stated 30 days late which is incorrect- Both XXXX XXXX and XXXX are current XXXX and XXXX are listed incorrect as both XXXX can't be 30 days late and XX/XX/XXXX - XXXX, XXXX, XXXX, XXXX should be updated as current not late XXXX XXXX, XXXX both stated 30 which incorrect and may all stated 30 days, XXXX and XXXX both stated 30 days but is incorrect XXXX stated XXXX but both XXXX and XX/XX/XXXX current ( which stated information is incorrect ) XXXX XXXX, XXXX and XXXX are incorrect each stated 30 days which is not correct XXXX XXXX and XXXX stated 30 which is incorrect
Product: Student loan

Navient received payment in full on XX/XX/XXXX. They did not apply until XX/XX/XXXX. They are now sending a generic letter about when check clears. Please it has been 10 days the checks have cleared and still they are refusing to release co-signer and admit the payments are in full. Still getting invoices even though with -0-. These loans should have been included in Chapter XXXX, they continued billing interests and false reporting, yet I paid them ( when probably I should not have per recent cases Bankruptcy and Private Student Loans ). They mishandled my Federal Loans and Private Student Loans. Modifying the interest to make it impossible for me to pay it  down continuously raising the interest at their whim.. So, I had to find a way to pay in full. Even then they are still refusing to admit these are paid in Full and send a Paid In Full pay off letter making up a story about check clearing. Please the loans are settled and should indicate as such. They should reflect on website, CRAs and stop invoicing me and co-signer.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX/ I.c . System is reporting and u verified collection on credit report by I.C. SYSTEM, INC in the amount of XXXX. Both XXXX and I.c. System are in violation of my rights by reporting a derogatory account on my credit reports that they have not provided proof of verification for. 
The was no written form of communication contact or signature the accused debt at all. 

They are required to provide the original contract agreeing to pay this amount bearing my signature Provide / prove that the limitations had not expired this account Show that they are licensed to collect in my state Validation must include pay off disclosure Interest rate disclosure Balance history Payment history Credit insurance
Product: Credit reporting or other personal consumer reports

Under 15 U.S.C 1681a,1, a the credit bureau is required to conduct a reasonable investigation and U.S.C1681b which requires accurate and verifiable information and written consent from me. Please DELETE XXXX XXXX FEOM MY CREDIT FILE. This company states they sold my information to a third party without my consent and EXPERIAN SAID VERIFIED. This is Illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

have sent in certified letters stating and showing that several fraudulent accounts/police report and inquiries we 're open without my consent and permission on dates beginning XXXX XXXX and currently now. It 's been less than a year 11 months to be exact and counting coming into XXXX XXXX that no verifiable documents baring my signature was sent out in the mail to me by Dept of EdXXXX, XXXX XXXX XXXX, several Inquiries and accounts we 're made without my consent and approval. I have been suffering a great deal of time since last year and all I get is a bogus Veirfied letter by credit bureaus and creditors. I am truly frustrated at this point and my next step is to file a civil lawsuit against Equifax & the creditors for breaking several FCRA laws.
Product: Credit card

A fraudulent credit card may have been opened on my account and Bank of America refuses to take action or even investigate. 

On XX/XX/23, I attempted to log into my online account but could not because of a technical error with Bank of America where they can not send an SMS to my phone. They tell me to go to a financial service center with two forms of ID and then lock my account. But I am about to travel to XXXX for a month over the holidays. They refuse to help me and hang up on me. 

On XX/XX/23, I try again to log in online, and it asks me to verify the XXXX and expiration for a credit card that I do NOT own. I only own XXXX account with Bank of America, which does not end in those numbers. I call them again because this seems to be fraud. They refuse to investigate and tell me to go to a Financial Services center, which I can not do because I am out of the country. They hang up on me again. I now seem to have a fraudulent trade line on my account, activated and in use, and there is nothing I can do about it until I come home next month and visit a branch in person.
Product: Credit reporting or other personal consumer reports

I received a copy of my consumer report from Early Warning Services on XX/XX/XXXX that contains transactions from my XXXX XXXX and XXXX XXXX XXXX XXXX. The accounts I have with these financial institutions are personal checking and savings accounts. The Fair Credit Reporting Act ( FCRA ) is a federal law that helps to ensure the accuracy, fairness and privacy of consumers information in the credit bureau file. Per 15 U.S.C 1681b ( 1 ) ( 2 ) Early Warning Services is in direct violation. As the consumer, I have the right to protect my private information from being shared. Early Warning Services violated the Privacy Act of 1974. Any and all consent to Early Warning Services to report or provide my information verbally, nonverbal, written implied or otherwise is revoked. And 15 U.S.C 6802 ( b ) ( c ) states that A financial institution may not disclose nonpublic personal information to a non-affiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. Also, per 12 CFR 1016.7 states that A consumer may exercise the right to opt out at any time. I am opting out of your reporting services. I appreciate your consideration of this concern and look forward to a profound result that justify me as the consumer rights and facilitate financial fairness of {$1000.00} per violation of the FCRA. I have added the Early Warning Services consumer report as well to reference.
Product: Credit reporting or other personal consumer reports

I am submitting additional evidence to support my original complaint regarding inaccurate credit reporting by XXXX and Experian. My initial complaint involves the improper reporting of accounts from XXXX XXXX XXXX ( Account # XXXX ) and XXXX XXXX XXXX ( Account # XXXX ), which XXXX has already removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

LET ME KNOW THE REASON AS TO WHY THE NEGATIVE ACCOUNT FOR XXXX CO IS STILL REPORTING ON MY CURRENT CREDIT REPORTS. THE ACCOUNT IS FROM 2015 WITH NO BALANCE AND IS REPORTING LATE PAYMENTS OF 90 DAYS. PLEASE TAKE THE TIME TO INFORM ONTO WHY THE ACCOUNT IS STILL ON HERE. I HAVE ATTEMPTED SEVERAL TIMES AT REMOVING IT, AND NOTHING HAS BEEN DONE ABOUT IT.
Product: Prepaid card

I received an Amex giftcard from my employer for {$50.00} dollars. I activated the card and checked the balance and attempted to make a purchase on XX/XX/XXXX. The card said it was declined a few times. I checked the balance, and funds were removed for XXXX cents for each failed purchase, but enough funds were available to cover the funds. I tried another vendor ( XXXX ) with the same result on XX/XX/XXXX. I had the same issue the previous year as well, so I called the customer service line and was told they will refund the full amount, and the card was declined for " my protection '', but was now ready for use. I waited until XX/XX/XXXX to attempt a purchase for XXXX, but it declined. I checked my balance, and it still shows XXXX available, so they money wasn't refunded, and I still can not use my card. 

The resolution for last year was that I had to load the funds onto an XXXX account, which was the only way I could get any funds. This was not what I wanted to use it for, but at least I was able to get use of the card. That method did not work this year.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed in dispute letters three times to this information selling company. They have fraudulent information listed under my SSN and will NOT correct nor remove it. I mailed in a copy of my state issued I.D for name and address verification as well my SSN.NOT once has this company corrected the information that they are selling about me, even after I opted out of them using my SSN without my written permission.
Product: Debt collection

Noticed this collection showed up on my credit report end of XXXX. It 's not mine and is a part of my ID theft case. They refuse to remove this. PLease help. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted.

from an alleged identity theft, not later than 4 business days after the date of receipt 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer.

reporting agency can not furnish an account without my written. 
Instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act the list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 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 1.5 USC 1681 SECTION 602 States I have right to privacy. 15 USC 1681 Section 602 its also states a consumer report agency can not furnish a account without my written instruction. 15 USC 1681 Section c [ a ] 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 conviction of crimes which antedates the report by more than seven years 15 USC 1681-2 [ a ] a person shall not furnish any information relating to a consumer to a consrmer reporting agency if the person knows or reasonable cause to believe that the information is inaccurata.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

XXXX reported an inaccurate late payment on XX/XX/XXXX to the credit bureaus which made my XXXX XXXX drop XXXX points. I have been enrolled in graduate school since XX/XX/XXXX at XXXX XXXX XXXXXXXX. XXXX submitted deferment papers verifying that I am enrolled in school. I contacted XXXX to confirm that the deferment was recieved on XX/XX/XXXX and was told that it was recieved on time. I asked why did the report a late payment to the credit bureau and the lady I spoke with said that it was incorrect and that I must file a complaint. I made 2 attempts to speak with the office that handles credit complaints and the call was disconnected both times. I am very devasted by this injustice because I just fulfilled the requirements to be successfully discharged from a XXXX XXXX bankruptcy and am establishing my credit. This inaccurate reporting has hurt me significantly.
Product: Credit reporting or other personal consumer reports

My account with ( XXXX XXXX ) was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


( XXXX XXXX ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Debt collection

Harris and Harris has been constantly calling and not allowing me to pick up, so it goes to voicemail, then I have to navigate their XXXX  to be able to speak to someone, the lady I last spoke to today was rude and condescending, then hung up on me instead of getting the supervisor. Today 's call was at XXXX XXXX  on the XX/XX/2024. These calls have been ongoing for a year now, every time they say they will place my number on a list to not call, but they keep calling cause they're morons. I DONT OWE ANY DEBT! but these morons keep calling and making me call back. It needs to stop now!!
Product: Credit reporting or other personal consumer reports

I am formally disputing the following late payment entries on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 
I appreciate your prompt attention to this matter and expect a resolution as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

My social security number was compromised. I can't do nothing with my credit because somebody stole my Identity. I have attached all my documents. My ID, Social, and filed a report with the FTC. I have listed more accounts that are fraudulent due to the fact that the FTC only lets you put 5 which I have more than. I would appreciate if you remove this fraudulent information on my report immediately. XXXX Bless you and your family in these horrid times. I have one life to live. I don't want to waste time moving on with my life because somebody stole my Identity. I hope you understand, Thanks!