23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

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

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I noticed that inaccurate information remains despite multiple attempts to correct it. The credit bureaus, TransUnion, XXXX, and XXXX, have continued to verify this inaccurate information as accurate, which is a clear violation of the Fair Credit Reporting Act ( FCRA ) Sections 611 and 623. I have attached proof that demonstrates the information is not accurate.

This repeated verification of incorrect information violates my rights as a consumer. Under the FCRA, you are required to conduct a reasonable investigation and remove inaccurate or unverifiable information from my credit report. Failure to do so has caused harm to my credit standing, and I demand that this inaccurate information be removed immediately. 

Please refer to the attached documentation for further proof of the inaccuracies. I expect this erroneous information to be removed from my credit report, in compliance with the FCRA, to ensure my report reflects accurate and fair data.
Product: Credit card or prepaid card

On XX/XX/2020 Applied for Capital One Bank Card credit card to get extra credit for Walmart Purchases as I shop there a lot and responded to the add. I have excellent credit. Received a denial letter dated XX/XX/2020 saying that the XXXX  credit report had a derogatory public record, and etc. Printed the XXXX  Credit Report and show nothing wrong. The public record was discharged 10 years ago and have no late payments an a credit score of XXXX. Sent another letter to Capital One stating have no lates, public record is 10 years old, balances all in line, no adverse factors, and credit vendors run routine inquiries. Also, I have another Capital One Credit and no lates. I believed that Capital One is discriminating against me because of my old age. Tried to call them, but they are not answering the phone.
Product: Credit reporting or other personal consumer reports

I have a balance of {$110000.00} for my XXXX XXXX XXXX XXXX XXXX XXXX XXXX  on my credit report as a balance. They were paid them in full on XX/XX/scrub>XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

i AM A VICTIM OF IDENtITY THEFT mY PERSONAL INFORMATION IS STOLEN. 

AND A CRIMINAL HAS APPLIED FOR ACCOUNTS THAT ARE NOT MINE THESE ACCOUNTS ARE FRAUDULENT AND MUST BE BLOCKED AND REMOVED PLEASE BLOCK AND REMOVE THE FRAUDULENT ACCOUNTS 1 ) Company or Organization : XXXX XXXX XXXX - CHARGE OFF - AUTO LOAN Account Number : XXXX Amount : {$14000.00} 2 ) Company or Organization : XXXX - CHARGE OFF Account Number : XXXX Amount {$2300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I requested a copy of my consumer credit report for Equifax. I also requested a copy of my consumer credit file. I was not able to download a copy of my credit report. They did not send my consumer credit file. So I am sending this complaint so I can get a copy of my consumer credit file as well as a copy of my credit report.
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2022
Product: Credit card or prepaid card

On XXXX of XXXX XXXX was used for purchase of {$300.00} worth of product. Have been making minimum payments plus additional promotional payments of {$50.00}. Have requested several times to have XXXX payments of {$50.00} to be allocated to promotional balance only. When I spoke to XXXX they stated that the payment had to allocated to the revolving balance because of the billing cycle. If my payment is not due yet why can't I have the funds allocated to the promotional balance. I have called several times and they tell me they will allocated but then it never gets done. Company is not willing to allocate my payments the way I need them to be allocated. Not to mention my account should be under SCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to 15 U.S. Code 1681, Congressional purposes, it is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, instance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. There exists an obligation for the credit reporting agencies to conduct themselves in a manner that is fair and equitable to me. The continuous reporting of such information deems an improper utilization of my information, which directly conflicts Congressional purposes and reasonable procedures. Prove that I received the delivery of goods ; come to my home and search for the goods they say I received possessions of goods of or come and see my computer or tap into my bank account so you can see what these alleged possessions are as is the requirement under 15. U.S. Code 1681 c-2 ( c ( 1 ) C ). Please prove this! Hearsay is not admissible. This is according to the federal rules of procedure and evidence! 
Therefore, these accounts must be removed. You can not lawfully prove that I received a delivery of good, services and money. These accounts are not related to transactions by me, the consumer, therefore, as a result of this identity theft, these accounts must be removed and blocked.
Product: Student loan

I called spoke with a representative in the early summer of XXXX  and enrolled myself in a new repayment plan ( Extended Fixed Repayment Plan ) that would have made my payments {$260.00} a month. I received correspondence that this was approved XX/XX/, yet I am still getting billed significantly higher amounts under a standard repayment plan and they have not fixed this. I have tried to call and email them several times and are unable to get a hold of them. I sat on the phone on hold for several hours only to be hung up on and am continuously receiving bills under the standard repayment plan despite my other payment plan being approved.
Product: Credit reporting or other personal consumer reports

This letter is to inform you that I received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate and/or not belonging to me. The accounts in question are attached on a separate page. A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within XXXX business days and to promptly notify the furnisher ( s ) of that information. 

Please send me a copy of the documents that you have in your file as of the date of this request, that you used to verify the accuracy of the accounts that are attached. 
Under the Fair Credit Reporting Act, 15 U.S.C. 1681, I have the right to demand that you disclose to me all the documents that you have on record and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. Send me copies of the documents that you have and Please do not respond to my request by simply saying that the accounts have been verified or updated, but please send me the documentation that you used to verify that accounts in question. If you are unable to provide the requested documentation and/or do not have the documentation in your files as of the date on this letter then DELETE THEM IMMEDIATELY as required under Section 611 { a } { 5 } { A } { i }. By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and damaging my creditworthiness. 

Under the FCRA are U.S.C 1681i, all unverified accounts MUST BE PROMPTLY DELETED. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of these inquiries from my credit report. Please provide me with an updated credit report showing items removed. 


Under the Fair Credit Reporting Act, if they can not verify the debt within 30 days, then it must be removed. Your letters to me claim to have " verified '' the debt, but this is in fact not true under law. Simply contacting the alleged creditor and asking them to match up numbers in their database is no sufficient verification for identity theft. Of course the information matches up. Someone clearly used my information without my authorization Accounts that I didnt authorize and had no knowledge of or reporting accurately, police report and FTC report is on file, Please DELETE THEM Account Name XXXX XXXX XXXX XXXX Account Number XXXX Reason for dispute__IDENTITY THEFT Account Amount XXXX Account Name XXXX XXXX Date XXXX Account Number XXXX Reason for dispute _IDENTITY THEFT Account Amount XXXX INQUIRIES NAME DATE I HAVE NOT AUTHORIZED THESE AND HAVE NO KNOWLEDGE OF THESE INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to express my concerns regarding the information on my credit report, which I thoroughly investigated and found to be unverifiable, invalidated, inaccurate, and questionable. This situation has led to XXXX XXXXXXXX, as your agency did not ensure the 100 % accuracy of the reported items, as required by 15 U.S. Code 1681e ( b ) ( b ) - Compliance procedures for maximum possible accuracy. 
XXXX. This late payment status is irrelevant XXXX Account XXXX : XXXX Please update or correct this account immediately XXXX. This late payment status is irrelevant XXXX XXXX Account XXXX : XXXX This account is fully satisfied and closed. Please delete from my credit report immediately XXXX. This late payment status is irrelevant XXXX Account XXXX : XXXX This account is fully satisfied and closed. Please delete from my credit report immediately XXXX. This late payment status is irrelevant XXXX XXXX XXXX  Account Number : XXXX Please update or correct this account immediately According to the aforementioned code, consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of information related to the individual when preparing a consumer report. Unfortunately, the items on my report do not meet this standard. 
Referring to 15 U.S. Code 1681i ( 5 ) - Update of Inaccurate/Invalidated Credit Information , if, after any reinvestigation, the consumer reporting agency finds disputed information to be inaccurate, incomplete, or unverifiable, it is mandated to promptly update or modify that information based on the reinvestigation results. Additionally, the agency must promptly notify the furnisher of the information about any modifications from the consumer 's file. 
If you are unable to provide verifiable proof within 15 days after your investigation, I request that you update the accounts and/or information on my credit report. 
Thank you for reading my concerns have a great day ahead to all Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I notified the credit bureau ( equifax ) along with the XXXX companies ( XXXX XXXX XXXX dating XX/XX/XXXX, XXXX XXXX dating XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX XXXX dating XX/XX/XXXX ) that I am a victim of identity theft and that my credit profile has been compromised. I provided them with proof of FTC Identity theft report along with a notarized letter stating such, along with a copy of my driver license and social security card. They have yet to remove these Inquires from my credit report.
Product: Checking or savings account

Bank says my funds on my capital one 360 account is not available for withdrawal call this. Number for more info I call and they transfer me to security team thats only deals with Capital one notcapital one 360 even when I keep telling them on phone ur transferring me to regular capital one and they say no we dont even that number its only 360 so basically they locked my funds I go into bank and cant get my social security money In there because its locked and theres no security team phone number to unlock it and I want to just close my account at this point and get my funds
Product: Debt collection

I did not contract with Wakefield and Associates those are unauthorized accounts.Please delete those off my credit report asap.XXXX - {$1000.00}, {$680.00}, {$620.00},
Product: Credit card or prepaid card

On XX/XX/XXXX my son purchased a {$50.00} vanilla gift card to buy games on his XXXX XXXX. When trying to enter the payment information there was no associated zip code. 
After speaking with customer service who confirmed that they don't assign zip codes they agreed to send a refund. 

Several days later my son checked the balance on their website and it was zero. He was expecting to see refund in the transaction line, but the card was used for an online purchase at approximately XXXX AM on XX/XX/XXXX. 

After speaking with customer service and their fraud department an email was supposed to be sent with a claim form for the refund. 

I have now called 3 more times and still haven't received the email.

I believe that the first representative who had full access to the account used it for an online purchase and at this point others are covering for her. 

All I want is for my son to be refunded the money that he worked for to buy this card. At 13 he works hard and doesn't deserve to be ripped off like this.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint againsXXXX XXXX XXXX XXXX XXXX regarding their failure to report the Date of First Delinquency on a charged-off account. This omission creates significant inaccuracies in my credit report and prevents the correct calculation of the seven-year reporting timeline under the Fair Credit Reporting Act ( FCRA ). 

Had the Date of First Delinquency been reported correctly, it would allow the charge-off and associated account to be eligible for early exclusion from my credit report. Without this critical information, the account remains inaccurately reported, which has unfairly impacted my ability to obtain financing for a new home. 

Since the initial delinquency, I have worked diligently to improve my credit and have demonstrated financial responsibility. However, this account continues to be an obstacle in achieving my homeownership goals. I request that XXXXXXXX XXXX XXXXXXXX XXXX promptly correct this error and ensure the accurate reporting of the Date of First Delinquency so that the timeline for this account can be properly assessed. 

I appreciate the Consumer Financial Protection Bureau 's attention to this matter and kindly ask for an investigation to ensure compliance with all applicable credit reporting regulations.
Product: Mortgage

I have a mortgage home loan with US Bank. I fell behind on payments on XX/XX/2023 due to child support issues and have recently been able to resolve the hardship as of XX/XX/2023 and can resume making the original mortgage payments however when i explained this to US Bank Home Mortgage they modified the loan to terms that were excessive and added {$400.00} to my monthly mortgage payment and increased the loan from 4 % to 7 % making it impossible to pay the new terms. I have asked to have the loan modification reprocessed as this is unacceptable and i cant get one person to assist or help in this matter at US Bank. My loan servicer XXXX XXXX will not return any calls, emails at all. Every time i call the default number the customer service reps are rude and refuse to transfer me to a manager. I can afford making the payment of {$1000.00} however i refuse to allow this bank to take away the rights that i have as a customer. I need help getting these people to do their jobs and go back to the drawing board and come up with another modification that are terms i can afford. The management is atrocious.
Product: Credit reporting

XXXX several occasion I have contacted TransUnion LLC in regards to some allege debt that has been reporting on my credit report as deragatory or negative items. I request on many occasion that this credit bureau validate the allege debts. The credit bureau is suppose to request verifiable proof not partially but in whole according to federal law. The law require the bureau to only report the negative item if they have 100 percent verifiable proof in regards to the negative item that they are reporting. The credit bureau is suppose to get the original contract along with other documents from the original creditors and within 30 days provide the information to me. TransUnion is reporting XXXX XXXX XXXX credit cards, XXXX XXXX bank XXXX credit card, XXXX XXXX XXXX, and a Bankruptcy as negative items or deragatory items on my credit report. On several occasion I have disputed these allege item and although TransUnion fail to provide me with require information that these allege debt are 100 percent accurate, TransUnion still reports these negative information on my credit report. I have receive letters from XXXX Bank XXXX stating that they cant provide me with validation on debt, I have letter recent as XXXX/XXXX/15. So if they are sending me these letters how is it that TransUnion is stating that allege debt has been verified. TransUnion needs to provide legitimate validation and fulfil their legal obligation by investigating the disputes. TransUnion is suppose to exercise their responsibility with fairness, impartiality and respect for all consumers. TransUnion never state how these allege debt was verified, whether by mail, by email, by fax, or by telephone. TransUnion is violating the Fair Credit Reporting Act, The Fair Debt Reporting Act, and other federal consumer protection laws. Verifiable proof not partially but in whole is required by federal law, and negative items are only suppose to be reported when you have 100 percent verifiable proof. Now TransUnion continue to report negative items on my credit report and fail to provide me with 100 percent accurate, legitimate validation of allege negatives that they are reporting on m y credit report.
Product: Checking or savings account

i have Bank Of America credit account and I've been paying for it without an issue. 
in XX/XX/year>, account was closed suddenly without letting me know. 
I've tried to open new and reopen closed XXXX but they all was revoked by credit grantor. 
the very recent application was applied by XXXX of associate in BOA office. 
it was also reject but with new reasons. 
none of the reason make sense and not fit my situation. 
I've talked to BOA credit account dept and credit report companies such as XXXX, but they did not have any idea. 

i also tried to open new account in XXXX by Online, but it was rejected also.
Product: Checking or savings account

On XX/XX/XXXX I lost my phone and wallet. I kept a lot of notes in my phone such as emails and passwords. Inside my wallet I had my license, passport, cash and credit cards. On XX/XX/XXXX there was a fraudulent wire transfer from my chase bank in the amount {$6100.00} dollars and another fraudulent wire transfer occurred the very next day on XX/XX/XXXX in the amount of {$9900.00} dollars from the same bank. I ended up going to the bank XX/XX/XXXX because I needed some cash and thats when I found out my account was a negative XXXX  dollar balance. I immediately spoke to XXXX  and we disputed these 2 fraudulent wires right away and filled out a affidavit and faxed It to chase claims department that same day. Two weeks later I get a letter stating the claim is closed and chase   cant help me. I immediately called the phone number on the piece of paper and spoke to XXXX in the fraud department and she spoke to someone in the claims department and they opened The dispute back up, two weeks later they closed it again. I called chase claims department this time and they told me there is nothing that they can do and they are not responsible for the loss of my funds even if its fraudulent. I even spoke to a manager or so they told me and she said the same thing they arent responsible for fraud transactions. I think this is ridiculous because I feel as a chase customer they didnt do anything to dispute this matter they closed It so fast and didnt look into anything for me and try to see where the money went and who got it. This is very bad business in my opinion.
Product: Student loan

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

Account Name : ( XXXX XXXXXXXX XXXX XXXXXXXX ) Account # XXXX, hasviolated 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 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 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 consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate accurate.