23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting 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. 

In accordance with the Fair Credit Reporting act XXXX Account 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 a account without my written instructions
Product: Consumer Loan

I am having problems with the Loan/finance company for my vehicle. The day after I had purchased the vehicle the finance company called me to welcome me to work with them. I mentioned to them that I am a construction tradesman and always out in the field. I gave them my wifes information and gave them permission to speak with her at all times regarding my payments. We ended up behind in payments because they keep telling her that I have to call them to give them permission to talk with her. They have her information on file but refuse to look for it. When I call I can not get anyone to speak XXXX. I can never understand them. than they hang up. Finally I took two hours out of my very busy work day losing money to call them again and get hung up on several times. I finally get ahold of someone, and their story is that they do n't have anything on file and my vehicle will be repossessed. We have made them an offer, and they refused it. I know I have not very good credit however I deserve better service than this. This company is very unprofessional, disrespectful, and plain out ignorant.
Product: Credit card or prepaid card

Citibank lowered my credit limit without cause or justification. This happened on this account in XXXX, not again. Scrupulous business practices effecting my FICO score so I can not perform a balance transfer with another financial institution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter from Bank of American earlier this week informing me I am late on paying a {$34.00} charge. I contacted BOA  to learn they never sent me a billing statement in the mail as has been done for 25 years. Also learned they closed my account over {$34.00}. While waiting for BOA  to correct their failure and send me the bill, I checked my credit with all credit reporting agencies. BOA  reported this as a late payment. I engaged in a dispute resolution with each. XXXX just contacted me and said they reviewed and closed the dispute. Nothing changed on my credit record. No explanation is given either. I want the late reporting to be removed as BOA admitted on the phone call they changed my billing to electronic billing. They did this without my knowledge and without my permission. BOA should not be allowed to report late payment based on their error. XXXX should not close a dispute with no action or explanation.
Product: Credit reporting or other personal consumer reports

I am writing you this letter regarding payments that were marked late by your company for the following accounts on the following date ( s ) : ( late payment date - XX/XX/2021 ) 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 impacts my consumer report and are considered as part of my transactions and experiences between your company and me.

Furthermore, I am requesting that you provide me with, in writing the reasonable procedures ( according to 15 USC 1666 ( b ) ) that you have adopted to ensure that each periodic statement is all the information required by Section 1637 ( b ) of Title 15.

You have 15 days from the date that you receive this letter to provide me with the information that I am requesting. If you do not provide this information in the allotted time given, then it will be assumed that you can not verify the late payments on the dates specified above ( lacking reasonable procedures to ensure the accuracy of my account ) and I would therefore request that you remove the late payments from my account and consumer report with the following consumer reporting agencies ( XXXX, XXXX XXXX XXXX or all that apply ) and update the accounts to positive. 

Please forward any changes to my account to the address below. Thank you for your time and consideration in this matter. I look forward to hearing back something positive.
Product: Debt or credit management

I was utilizing Bright Money to help pay my student debts. In dealing with them, I have found that their level customer service ( which is poor and non-existent ) is not what I want in someone whos handling my money or my financial affairs- especially with an important debt like student loans. After numerous emails dating XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX requesting a refund- {$740.00} which has been withdrawn from my personal checking and was held in a account with Bright Money. I cancelled my account with Bright Money on or around XXXX and I have yet to receive my refund of {$740.00}. When you contact them XX/XX/XXXX times, you get an automated VM stating to contact them via email. Then, you if you do manage to get someone ( XXXX ) XXXX they can not do anything and always state theyll escalate your concern to the next higher level. My question is if youre a reputable financial institution, how hard is it to refund someones money when its so easy for you as a company to withdraw the funds from my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account XXXX, XXXX  Account XXXX, XXXX XXXX XXXX XXXX XXXXXXXX Account XXXX, XXXX XXXX Account XXXX, XXXX-XXXX  Account XXXX, XXXX  XXXX  Account XXXX, has violated my rights. 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
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent a dispute to Equifax by US certified mail ( received on XX/XX/2021 ) in full detail explaining that they are reporting information that is incorrect on my credit report. I included a copy of my XX/XX/XXXX. driver 's license ( proof of ID ) and a copy of my water bill ( proof of residence ) as required on Equifax 's website in disputing incorrect information. On XX/XX/2021, Equifax sent me a notice that they were unable to locate me with the information that they initially requested I send to them. Equifax is delaying the process of investigating my dispute within 30 days by requesting frivolous information that has already been submitted.
Product: Money transfer, virtual currency, or money service

Gemini crypto exchange refused to release the security hold in my account. They continued to accept deposits, however wouldnt allow me to withdraw my crypto out of their exchange. They have asked me to send identification which I did. They made me wait for a few days then ask for my financial support documentation. They are suspecting that my money is not legit when I am withdrawing it. I sent them what they asked and just got another email to wait for the next step. They are giving me the run around and not allowing me to take my crypto out. Its like going to a store and you paid for a product but the store is refusing to give you what you just paid. This is not right!!! Please help me. There is no one to call or talk to.. I am under their mercy I am being scammed
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several items that are reporting negative on my credit report in which I have done the following : 1 ) .JPMCB - showing negative reporting in the amount of {$3200.00} - spoke with their recovery department and was advised that this item was zero in their system and had no idea why the credit bureaus were reporting it 2 ) .XXXX XXXX XXXX- {$2700.00} spoke with their collections and was advised this item is no longer in collections and was removed 3 ) .XXXX XXXX - {$37000.00} - spoke with their recovery department and was advised this item is not in their system. 
4 ) .XXXX XXXXXXXX - {$1900.00} - spoke with them and they advised me that I do not any accounts that are in a delinquent status no did I have a account in a delinquent status. 
5 ) XXXX XXXX XXXX XXXX {$3200.00} - this is same comenity bank barneys for {$2700.00} thats is reporting negative on my credit in which it should be removed! 
The item above are ruining my credit and my chances of trying to buy me a home.
Product: Credit reporting, credit repair services, or other personal consumer reports

Tried getting access to credit report. keep getting error.
Product: Credit reporting or other personal consumer reports

I keep asking for my wet signature and all proof that goes with it. Also I have had my credit frozen off and on for the last four years because someone has been trying to use my name. Some how the freeze keeps getting turned off. 
Someone made an account in my name for trans union, so XXXX cant even get into that one to see what is on there. 
XXXX had all kinds of names on there that werent even my names. Also addresses that I hadnt even seen before.

Not any of the sites are the same. They look horrible!! I have tried to dispute but nothing gets done.

This cant be legal, to be putting false information out there. I dont believe they are able to share wrong information. Which all of them are doing. I have reported repeatedly that my identity had been stolen, and My name has been in the XXXX XXXX XXXX Data breach, XXXX  data breach, XXXX  XXXX XXXX data breach. My account is high risk and has been that way for quite some time. They were informed of all of it. Dispute after dispute and nothing was done
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX account through XXXX XXXX. I made a Special Arrangement to Close my account, and pay {$10.00} a month. The agreement was : it will not affect my credit report, no fees/interest. I called them because when I pay {$10.00} a month, they are asking for {$40.00}. I now have a past due amount of {$30.00}. My credit report shows late payments. This is not what I agreed to! I was promised, " do not worry '' it will not affect your credit, we will close your account, and you just pay {$10.00} a month ''. So every time I call in a payment now, they are badgering me for {$40.00} payments and say they don't see anything regarding not reporting to credit agency. All their calls are recorded! Please please help me with this, as it's affecting my credit. I was scammed. Initial arrangement was made with a man. I have called and talked with them about this, but argue. The payment plan is on file, and All their calls are recorded. Please please help me with this! This is affecting my credit and upsetting so badly. Thank You
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXXXX/XX/XXXX ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Mortgage

During the purchase of our first home, we went with XXXXLoan Depot because they were a preferred lender for our builder. As first time home buyers we put our trust in many people including XXXX to explain the process fully and completely. However, throughout the entirety of getting this mortgage there were many failures, including lack of communication, lack of explanation or even correct explanation. There were many times we had to seek an explanation from another lender and XXXX  ended up being wrong. However, none of that compares to the final straw that is a bona fide violation of CFPB and TILA regulations. 

We received our final CD on XX/XX/XXXXwhich triggered our 3 day wait to close. There was already a glaring error in the amount of our earnest deposit. We were basically told " it 'll be fine. '' The night before we were scheduled to close, as our title company and lender were busy balancing the monies, my title company discovered that our CD had a doc stamp fee of {$1800.00} on the seller 's side when it was supposed to be on the buyer side.

I found out from my realtor and then my lender called. He explained the error and then proceeded to ask me if we had the funds to cover that amount. An amount that was not disclosed to us as our responsibility on the CD.  Our loan officer tried to pass blame to the title company and said that XXXX would not cover the whole amount. 

On the morning of closing, this issue was still not resolved. Allegedly, the response from XXXX XXXX corporate office was that they would not do a cure credit. At all. Our closing was 6 hours long because my lender and title company spent half of a day arguing over whose fault this was. XXXX then proceeded to " fix '' this issue by sending a new CD wherein they reduced our seller credit by the amount of the error. Thereby covering up their failure to disclose. XXXX refused to rectify their error and my realtor and title company tried all day to get XXXX to realize the CD was wrong and we, the buyer, was not going to pay for this incredibly significant error. XXXX and its representatives were absolutely unprofessional and pretended to make everything ok with a lender credit of {$770.00}. Everything was far from OK. 

In order to close on our house, we did end up having to pay the {$1800.00} and were told we had to sign the CD the lender created that day that improperly tried to cover up their error. Which we did so in protest in order to get the keys to our home. 

XXXX/Loan Depot needs to be held accountable for violating the laws put in place to protect consumers like us. This is simply not ok.
Product: Vehicle loan or lease

My Vehicle Was a total loss in XX/XX/XXXX. My Primary insurance company paid their responsibility from my policy to the holder of my loan ; XXXX XXXX. When XXXX XXXX received this payment they reported the decreased amount of {$5400.00}. to the credit reporting agencies. My GAP insurance took 5 months to pay their responsibility, which has been received by flagship financial in XX/XX/XXXX, because there is a small amount left behind of {$2400.00}, XXXX XXXX " refuses '' to work with me on a payment schedule to satisfy the outstanding amount. They Also Will Not Report To The Credit reporting agencies the amount of {$4500.00}. that was paid by the GAP insurance. As My Debt To Income Is Effected By This, I Am not able to qualify for a loan to pay off the balance owed to them. 
They Refuse To Take Any Less Than {$480.00}. A month to pay off the remainder from me. As I Had to purchase a replacement car when my was totaled, I am only in a positing to pay {$150.00} a month until the remainder is satisfied. 
In My Attempts to work with them, the company representatives are extremely rude and their actions are disturbing towards someone pleading to work out a way to meet my financial responsibility, and they refuse to take partial payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on CAPITAL ONE BANK USA NA. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XXXX. XXXX, 2020, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XXXX. XXXX, 2020, XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XXXX. XXXX, 2020, ALLY FINANCIAL add a hard inquiry on my credit report per XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Credit reporting

I am unable to pull my credit report from Equifax. In the past when this occurred, there were too many soft pulls, so the solution was to remove those so I could pull my report again. After a number of phone calls and emails, Equifax refuses to fix the issue.
Product: Checking or savings account

5/3 BANK HAS BEEN OVERCHARING MY ACCOUNT FOR FRAUD AND HAPPENED ON CLOSED CARD. I HAVE BEEN SPEAKING WITH XXXX ABOUT IT FOR 5 DAYS AND SHE HAS NOT REPORTED FRAUD OR ASSISTED ON RETURNING MY MONEY.
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint is against trans Union. These accounts are more than XXXX years old and or not mine. For example, I moved in XXXX bought current property and an account was opened in XXXX. I was long gone. I disputed it and it stays on my credit report. Another example, I didn't know anything about a 2nd account and asked for copy of agreement for card and purchases. I got copy of statement from creditor, but nothing to show I did not open account, just monthly statement that I know nothing about. 
Yet, trans Union says it's my account This is way way in accurate. They should be removed.
Product: Credit reporting or other personal consumer reports

I have requested any contract agreement from Experian validating or verifying the information from the below mentioned companies regarding the information that's on my credit file and I havenot recieved any contract agreements. This requested have been well over 60 days. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX, Equifax & XXXX credit report on XX/XX/2025 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to 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

End of XXXX of this year I open up a Ally financial online bank account. Between then and XXXX my activity has been the same, I cash checks and transfer money out to my other bank for spending needs. 

The newest activity with my Ally account was that I open up a investment account with them that didnt work because it was a buggy when trying to make a stock purchase. 

My attempt of stock purchase was done on XXXX. Three days later on XXXX I received two emails from Ally. 

1st one was regarding my account being restricted due to suspicious activity on that same day. 2nd email was telling me that my telephone banking pin was changed. 

I quickly got in contact where the first of many people I spoke to reassured me that my account was not hacked and even read back to me the amount of money that was in the account. 

This began a week long process speaking with multiple people, some nice, and some others not so much. I had multiple connection interruptions where I had to go through the same identification process multiple times. Some information I couldnt provide right away because due to XXXX and grieving I lost track of personal information or didnt have some written down. Once I got all that squared away I was able to provide identification thinking it would help because my case was under fraud investigation, this was on a XX/XX/XXXX phone call but I was told that my case was closed on XX/XX/XXXX. I called back the next day on XX/XX/XXXX where I had my last conversation where I was told that my account is just being closed and that I would have to figure out how to get my money back through the bank company on the checks.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

These addresses should be blocked and removed from my credit profile.