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

On XX/XX/2018 I contacted XXXX about reporting incorrect information to the credit bureau and they was not helpful at all. On XX/XX/2018 I contacted Equifax to file a dispute with XXXX Credit Card and XXXX Loan the lady I was speaking to at Equifax was telling me that I can not dispute information about these accounts because they where not showing inccarute information so I kept trying to explain to her that I have every right to dispute anything on my credit report that is not correct and it's damaging my credit I told her that I have contacted XXXX  on XX/XX/2018 and was told to file a dispute with the credit bureau, so that's what I'm trying to do Equifax would not file my dispute with XXXX Credit Card and XXXX Loan I was on the phone with Equifax for 2 hour 's straight to file a dispute this is so stressful trying to file a dispute with both companies I refuse to let XXXX report incorrect damaging information to the credit bureau those account have been closed on the XX/XX/2018 neither one of my accounts was in collection and I told Equifax and she refused to file my dispute after 2 hours I told her that I'm gon na contact CFPB because I feel like my rights are been violated by both companies XXXX and Equifax I also told Equifax that XXXX did not notify me of any changes to my credit report or updates about the dispute when I contacted them in XX/XX/2018 I have proof that the information they or reporting is wrong I was never in collection with neither account I thought I could fixed this by contacting the creditor and I was wrong they didn't fix it after all XXXX LIED and now Equifax giving me XXXX just to file a dispute to correct information XXXX  reporting incorrect and I never received anything from XXXX stating that my accounts are in collection not once the only letter I received was that my checking account was overdrawn and has been closed I also have proof I have paid them off completely not only that I thought XXXX  was helping me build my credit up but now I feel like the lady I spoke to at XXXX was intentionally hurting my credit after she update the information both companies Equifax and XXXX XXXX have violated my rights under the FRCA neither company wanted to file my dispute or fix the wrong information they're reporting
Product: Debt collection

This account does not belong to me. I have disputed it with the credit bureaus and I have obtained an FTC trade report and a police report. I expect it to be removed in a timely manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : 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 Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or a 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 an 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 or 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: Checking or savings account

Myself XXXX XXXX I live in XXXX XXXX XXXX, XXXX MD XXXX, I have an account with Bank of America for Many years i had a Checking and savings and rewards savings account in Bank of America, in XX/XX/2018 someone put a fraud check in my checking account first time Account number XXXX I called Bank of America and they stop the payment from going through and again someone put a fraud check in the same account I called Bank of America again and they froze my whole account including the saving and reward savings that was connected to my checking account and the bank also blocked our access online so that is the reason I could not have checked online either and the bank never sent me an email or email or number of called i could not see any of the activity that were happening in my bank account so how am I supposed to now the bank is giving my hard worked money to someone that I put in my saving rewards account number XXXX when the bank doesnt have any rights to give money from my savings reward account even the guy that put in the fraud check neither was there my name or my address or my signature and also I did not have my account number and also these was not even my account check I dont understand how the Bank of America can do such a big fraud with me sir I am very up set because this is almost 2 years I have asked a lot of people for help me I emailed the Bank of America CEO and the mayor of Maryland mr XXXX XXXX XXXX XXXX. I hired a lawyer and the lawyer said its not your fault and I will get all your money back to you and he has already taken {$2000.00} and then the lawyer did not do anything for me and I am also sending you the email that I have received from the lawyer And I am very upset Thats the bank did such a big fraud with me The bank keeps on telling everyone that I have to inform them in the next 60 days. But how am I suppose inform Bank of America when bank of America froze my bank account Sir I really need your help because it was my hard worked money that bank of America just gave to some one XXXX XXXX XXXX SPRING TIME WAY XXXX MD XXXX XXXX ; MAIL XXXX ph ; XXXX
Product: Bank account or service

People 's United Bank was notified, by me, regarding XXXX transactions on my bank account that were paid by other means, due to banking error. 

People 's United Bank credited XXXX out of the XXXX transactions to my account. People 's United Bank admitted fault, but did not take care of the third transaction. 

The XXXX transactions took place on XXXX XXXX, 2015 - {$5600.00}, XXXX XXXX, 2015 - {$870.00} and XXXX XXXX 2015 - {$1000.00}. The transactions for {$870.00} and {$1000.00}, were taken care of, but the {$5600.00} was never credited. Initially, I contacted the bank within the normal dispute time requirement, but the bank representatives never took responsibility. I did NOT receive documentation in XXXX, 2015 to dispute the charges, or any other form of documentation to dispute the charges for the rest of the year. 
I made repeated calls for months with no response, to People 's United Bank, shortly after contacting them about the charge. I contacted People 's United Bank repeatedly, to take care of the {$5600.00}, with no response. I finally got a hold of the head of the ACH/dispute/fraud department and was issued a fax number after opening the complaint with the XXXX, yet I still did not receive any response from the company, even after sending the documents. 

People 's United Bank closed my account, without any warning or justification after I contacted them about this matter, hoping to discourage me, from pursuing this matter with them. I can justify this fact, because when I called about my account issue, they explained that they could n't assist me, because of my closed account. 

People 's United Bank has carried out a litany of unethical business practices and displayed blatant financial misconduct. People 's United Bank needs to be held responsible for their actions. 

I have proof of the transaction, paid by other means, via bank statement. I will also provide proof of email communication and call logs from my phone ( date/time ) during the date range, the transaction occurred with People 's United Bank. Fax confirmations, proving that I contacted People 's United Bank within recommended time frames, which also contained the necessary information to pursue the dispute, was also saved.
Product: Credit reporting or other personal consumer reports

Dear Equifax I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Delete this account.
Product: Vehicle loan or lease

Capital One Auto Finance reposessed and sold the vehicle I Financed. I received an " Explanation of Calculation of Deficiency '' dated XX/XX/2022. Per the letter, Capital One Auto Finance informed me that the vehicle was sold at auction for the sum amount of {$13000.00}. Leaving a Deficient balance amount of {$10000.00}. However, the information the data furnisher is submitting to the 3 major credit bureaus does not reflect that balance. 
Per my XXXX credit report as of XX/XX/2022, It shows I have a balance of {$25000.00} which is not accurate.If the reposessed vehicle was sold for {$13000.00} and has a balance of {$10000.00}, then the credit information being furnished to the credit bureaus should reflect that.
Product: Credit reporting

A company I worked for had a business credit card account with XXXX for 12 years. After 12 years of never reporting this information on my credit report, XXXX reported the account as a charge-off on my personal credit report in XXXX without advising me first. I had never even opened the account. The Company paid and closed the account in full and XXXX and their collection agency indicated the information would be removed from my report or showed as Paid In Full with no derogatory information. The account now shows as paid but is reporting as derogatory still despite several calls and assurances from them this would be taken care of. I have exemplary credit besides this and it is impacting my credit. XXXX claims they have reported the information to Experian correctly yet Experian has not updated and will not provide any response.
Product: Checking or savings account

On XX/XX/2023, there was an unauthorized transaction made from my BOA checking account of {$36000.00}. I got a text notification from BOA. I immediately called the BOA customer care and asked to freeze the transaction as this was unauthorized by me. The transfer was made to a XXXX. Finally, even after me requesting BOA to hold the transaction it was processed on XX/XX/2023. I had several calls made to Customer care at XXXX XXXX  and BOA.
Product: Credit reporting or other personal consumer reports

I am writing to formally request that you block and delete the account and inquiry listed below from my credit file pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). I am a victim of a data breach, and these items were fraudulently opened or conducted in my name without my authorization. 
The fraudulent account and inquiry are as follows : Account : XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX - {$00.00} Inquiries : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act this account has violated my rights. 

XXXX XXXX XXXX  reported XX/XX/year> 15 U.S.C 1681 section 602 A. States that I have a right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It is also states that a consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting or other personal consumer reports

Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

1 ) XXXX XXXX XXXX  I demand that the above inquiries be deleted from my credit file because they are causing irreparable harm to my name and good character as well as my overall credit capacity.
Product: Credit reporting or other personal consumer reports

I submitted documentation to XXXX to prove that I legally changed my name, including the court order, my new social security card, and state drivers license, but they refused to update my name in their records and continue to use my previous legal name in reports and correspondences.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting accountss as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account information below : XXXX XXXX XXXX
Product: Credit card or prepaid card

Chase is refusing to review or apply a credit to my account that has already been issued by a third party. 

On XX/XX/2020, XXXX issued a credit to my XXXX XXXX card totaling XXXX XXXX ( XXXX XXXX  ). This comprised of four credit transactions in the amounts of : XXXX MXN ; XXXX MXN ; XXXX MXN ; XXXX MXN. We have confirmed with a representative from XXXX corporate via the XXXX XXXX XXXX that XXXX has issued these credits, and the sending bank has confirmed success of the transaction. We have received transaction identifier ( ID ) codes for each transaction. 

Despite several calls over the past month, including with XXXX on the phone in a conference call, Chase denies that these transactions exist. When we attempt to provide transaction ID codes so that Chase can lookup the transaction, they deny that this is possible. Chase representatives insist they can only look up a credit ( refund ) transaction if an original charge exists. However, no such original charge exists from XXXX. XXXX is issuing a credit to my account without having previously charged it. This is a valid method of crediting account but Chase representatives deny this fact.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told the Experian, XXXX, and XXXX to reinvestigate these accounts : Account name : XXXX  XXXX ( XXXX ). However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case.
Product: Credit card

BBVA Compass is violating Federal Bankruptcy Laws. On XXXX/XXXX/2016 I filed Chapter XXXX Bankruptcy in the XXXX XXXX XXXX Florida Case # XXXX. BBVA Compass was a listed creditor BBVA Compass on XXXX XXXX, 2016 is requesting me to pay {$3900.00} by XXXX/XXXX/16
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 an 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, 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 reporting agency if the person knows or has reasonable cause to believe that the information is accurate.
Product: Debt collection

Discover financial services, claim I owe them {$1400.00}, Ive tried to tell XXXX  that this account isnt mine and I want them to delete off of my credit report and they have refused to do so
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an inquiry alert from XXXX regarding and a fraudulent inquiry submitted on XX/XX/2021. I disputed the inquiry and advised that I did not request a application from XXXX. I contacted XXXX and they agreed to remove the inquiry and cancel the application. 

The inquiry has not been removed.
Product: Credit reporting or other personal consumer reports

I need my creditors to have a mechanism for my problem. Through no fault of my own- a systemic problem in the Virginia Employment Commission , I was not able to receive unemployment payments for 5 months. There was a class action lawsuit on this and the lawsuit resulted in an order for the VEC to be monitored. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Despite monitoring the systemic problems still exist and people like me have their credit damaged or destroyed. I have been unemployed since XX/XX/XXXX of XXXX my work as a XXXX XXXX XXXX is dependent on the Federal Budget and a lack of threats of US Government Shutdown, few employers were hiring people such as me. I immediately attempted to file for unemployment insurance, but both the Virginia Employment Commission website and the Virginia Employment Commission phone system were malfunctioning to the point where I could not initiate my unemployment claim. I was finally able to initiate my claim in XX/XX/2023. I was only recently ( XXXX ) been able to have a backdated claim to XX/XX/XXXX, and I have filed an appeal to have that back-dating extend back to my unemployment date of XX/XX/2023 ( with a required waiting week ). Is there any way that the CFPB can assist me in having my creditors remove my late fees and correct the reporting to the credit bureaus? I have told each creditor over and over that I am not at fault and that I would have made the minimum payments at least over these past 6 months. Please note that I had a short contract in XXXX and paid many of my monthly payments when I was paid. This is proof that I intend to pay, but that I was and have been deprived of my unemployment payments which I would have used to make these payments. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Experian, I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX and I noticed a double inquiry had been made on XX/XX/XXXX. I contacted XXXX/XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. According to XXXX/XXXX   they could not verify that the information was being reported. I request that you initiate a REINVESTIGATION into XXXX/XXXX  ( XX/XX/XXXX ) inquiry on my credit report to determine who authorized the inquiry. If, once your XXXX is complete, you find my allegation to be true, please remove the fraudulent inquiry. DO NOT CONTACT ME VIA US MAIL. Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was Not Permissable. If you find the inquiry referenced above to be valid, PLEASE RESPOND ONLY VIA THE CFPB PORTAL with a description of the procedures used in your REINVESTIGATION for THIS SPECIFIC INQUIRY within 15 business days of the completion of the REINVESTIGATION. Thank you for your assistance in this matter. Very Respectfully, XXXX XXXX XXXX
Product: Mortgage

I received a mortgage loan with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with my Mother. 
XXXX I was layed off and gotten sick could not pay make payments. 
1. Being sued by PHH mortgage XXXX to foreclosure. 
2. They have no assignment of mortgage. 
3. PHH Lost Mortgage 4. PHH Lost Note 5. False statements at filing XXXX 6. Stating they are a govenment agency to the court ( PHH is not a govement agency ) 7. Having so far XXXX men try to break in with out a judges order and one broke in looking at me in my bed. Very dangerous threating actions to myself.. 
8. With me living in condo putting a notice on the door this is a vacant propery ( Lie ) PHH paid company then to brake in to change locks according to sheriff without judges orders. 
9. Will not give me a payoff in a timely manor ( I had to accept offer to sell without knowing what the payoff was. ( XXXX XXXX ) 10. Would not allow any mortgage motifications just wanted me to short sale only. Just was offered that by PHH attorney today XXXX/XXXX/XXXX they will not correct attorney billing and fees. ( They just want the condo and will not let me sell it so far ) False filing in XXXX then in XXXX that is 13 years later after mortgage taken out filing a assignment without notice covering up. 
10. Excessive attorney fees and me haveing to paying for men to threaten me ( very weird ) break in and threaten me? 
Need your help possible HUD, RESPA, TRUTH IN LENDING VIOLATIONS, MORTGAGE FRAUD NO ASSIGNMENT FOR 13 YEARS, UNITED STATES COMMERCE ACT VIOLATIONS, BANKING VIOLATIONS, HARP WILL NOT LET US PARTISPATE, ELECT. FEDERAL VIOLATION FILING WITH LOCAL COURT, TRIAL DENIED, SELLING TO XXXX XXXX WITH FALSE DOCUMENTS ( NO ORIGINAL DOCUMENTS NO NOTE, NO MORTGAGE, NO ASSIGNMENT ) XXXX XXXX UNDERWRITING NON COMPLIANCE.
Product: Mortgage

I purchased a primary home at XXXX XXXX of 2013 and financing was provided by Wells Fargo. The appraiser Wells Fargo used miscalculated the property value by inflating the area. I contacted Wells Fargo underwriting person and told her about the discrepancy in the appraisal report. She told me that she can not change it and I ended up with a house that was below the appraised value and could not walk away as the property purchase agreement forced me to buy the property as Wells Fargo was willing to finance it. On my end I am now paying mortgage that is too expensive and can not sell the property as I had to pay a premium due to Wells Fargo 's error.