23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

on XX/XX/XXXXXXXX i notice some unusual transactions so i immediately call bank of america to find out what is going on and where is my money. i was told that due to a system glitch and just to wait. i file a claim on the XXXX my claim was close due to my account being one of the thousands that accounts were frozen. i call edd and they said my account was good it wasnt fraud and that it was bank of america. so i call bank of america and waited hours and getting hung up on finally got through to someone and was told claim was automatic close due to my account being frozen. so i explain to the lady that XX/XX/XXXXtold me my account isnt fraud. we argue back and forth so she transfer me to a supervisor and i ended up waiting over an hour just to find out the superviosr was in a different department and couldnt even help me except told me he will put in a complaint on my behalf. so i call bank of america back everyday to check my claims and was told all these lies and gave me the run around. all the employees gave me attitudes and talk to me like i was XXXX. i just want my money and im behind on my bills. today is XXXX the XXXX and nothing is resolved. i dont know what to do at this point. please help me get my money back. my dad just pass away XXXX XXXX i just need my money back.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information that is being reported on my credit report. Specifically, the following items are incorrect and are negatively impacting my credit score : Account Name : XXXX  Account Number : XXXX Reason : This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 

Account Name : XXXX XXXX Account Number : XXXX Reason : I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 

Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Reason : I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 


INQUIRIES : XXXX XXXX XXXX XX/XX/year> I believe these items are either inaccurately reported or have already been resolved, and I respectfully request a thorough investigation and correction. I have contacted both the credit reporting agency and the data furnisher, but the issue remains unresolved. Attached are screenshots of my credit report that highlight the inaccuracies. I appreciate your attention to this matter and kindly request a prompt update to my credit report, as accurate information is crucial for my financial well-being. Thank you for your consideration.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed account to be blocked and deleted company information from TransUnion. 

Please delete the following accounts XXXX XXXX XXXX BALANCED {$12000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX BALANCED {$250.00}
Product: Vehicle loan or lease

I purchased a XXXX XXXX XXXX from XXXX XXXX XXXX in XXXX XXXX, FL that I have had nothing but problems with and was charged {$5000.00} more dollars then the car was stated to be for {$18000.00} in XX/XX/XXXX and my first payment of {$480.00} was not due for 45 days and scheduled XX/XX/XXXX. In XXXX I payed {$450.00} on XX/XX/XXXX and {$960.00} on XX/XX/XXXX for a total of {$1400.00} for 3 months of monthly payments upfront in advance and made sure this was stated properly to the cust service rep I spoke with. On XX/XX/XXXX I resumed my payments and paid {$500.00} which was my monthly payment and to cover the previous 3 months interest. About 1 month ago I went to their app t see what my balance was and realized that the past 5 monthly payments of {$480.00} that I made had not been applied towards the balance and my loan amount and the loan amount was not decreasing at all. I called the company, admittedly very upset trying to get an explanation as to why I had paid {$2400.00} and not one single penny came off of my loan balance. I was told that I needed to make my monthly payments every month. I told the rep that I had, that I had even paid in advance for 3 months and the rep who accepted those payments had clearly understood that. Then the explanation I was provided didnt make even the slightest bit of sense to me and we were getting nowhere. So I asked that he please send me this information explaining the math in writing because I apparently wasnt smart enough to get it but maybe if I saw it physically with my eyes I might then understand. I have yet to receive the requested information and the only information resembling it that I received last month actually stated I owe more then the inaccurate amount that I was given by the rep a few weeks ago. My payment is now due again and since my payments have not only not been applied to but also increased my loan balance even though I have not missed a single month I am now here filing this complaint.
Product: Debt collection

This is a XXXX credit card debt. XXXX lost my job due to economy downfall. Prior to my job loss I had perfect credit and my XXXX card was paid on time. 
XXXX Card debit was turned over to SUTTELL HAMMER & WHITE XX/XX/XXXX I was served papers informing me I was going to be sued I called immediately and began making voluntary {$50.00} month payments.Each year I received a letter telling me to call to review my account, which I did. I continued making payments.XX/XX/XXXX I did not receive a letter, I still made my voluntary payments. XX/XX/XXXX we looked into selling our home for financial reasons and found that XXXX XXXX XXXX XXXX placed a lien on our home. They claim they notified me and I did not respond. That is an untrue statement. Somehow they slipped it threw a different county to mine for a digital signature in my county. I  have responded to all request they made. They have been dishonest in their practices. I have three credit cards I make monthly payments to. The other two companies have not done anything underhanded. I'm attaching a letter response from them following another complaint I filed so I could find out what to do. 

XXXX Title J JUDGMENT Grantor ( s ) XXXX XXXX XXXX, Grantee ( s ) XXXX BANK, Parcel ( s ) Excise No. 
Date Recorded XX/XX/XXXX Recorded By SUTTELL HAMMER & WHITE PS
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Report Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681XXXX XXXX XXXX XXXX XXXX XXXX 1

5 U.S.C 1681 Section 602 A. State I have the right to privacy.

15 U.S.C. 681 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: Mortgage

They are refusing to stop pay on homeowners insurance, the insurance company sent back check weeks ago and they can't seem to locate nor will they stop payment and refund the escrow. They are forcing me to pay 2 insurance for an error they made when I told them not to pay.
Product: Credit reporting, credit repair services, or other personal consumer reports

please remove my fraud alert and consumer statement.
Product: Credit reporting, credit repair services, or other personal consumer reports

TAKE JUDICIAL NOTICE OF CASES : XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX v EQUIFAX INFORMATION SERVICES LLC Equifax has continued to violate the law as there continues to show a Public Record that is not furnished or reported from a reliable source with 1st hand knowledge. 

Also anyone can produce a phone number to the court but WHO did you speak to at the court to verify the accuracy of this Public Record and furthermore the courts DO NOT SEND DATA TO YOUR FIRM!! 

XXXX  and XXXX  both have removed the public record ... .why are you still causing me harm and damage? 

The New Jersey class action claimed Equifax violated the Fair Credit Reporting Act by sending letters that falsely told consumers that it confirms the veracity of disputed public-record information by contacting the source a county court, in this instance directly. 
In reality, however, Equifax never directly contacts the public-information sources, and uses a third-party company to investigate the disputed information, the suit claimed. 
In response to a consumers dispute regarding the accuracy of a public record, it [ Equifax ] never contacts the original source of the information, but rather contacts the private independent company that it never discloses to the consumer, according to the suit. 
Under a settlement agreement given final approval by U.S. District Judge XXXX XXXX Wednesday, Equifax will not represent that the government and/or any court or courthouse is a furnisher of information in response to a consumers dispute ; will not represent that the government and/or any court or courthouse was contacted directly by Equifax in connection with any consumers dispute ; and will not represent that the government and/or any court or courthouse actually investigated a consumers dispute. 
Lead class counsel will receive over {$1.00} million, and the three class representatives will receive {$15000.00} apiece, according to the terms of the settlement.
Product: Credit reporting or other personal consumer reports

For several months, I've attempted to apply for both a Wells Fargo card preapproval and a XXXX card with my credit freeze lifted. However, both banks claim they can not access my unfrozen credit report. Despite multiple calls, Ive made no progress. The XXXX application even resulted in XXXX hard pulls on my XXXX report, yet they were still unable to view it. Why can't these banks access my credit report? Im attaching proof from Wells Fargo and XXXX, as well as confirmation that my credit freeze has been lifted. I even tried completely unfreezing it, but the results were the same. This situation is unacceptable, and I can not resolve it without identifying the issue and receiving competent assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been sending dispute letters asking for these egregious accounts from XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX   XXXX  to be removed from my report as they have not provide the original credit agreement or original contract I supposedly signed for these supposed debts.
Product: Checking or savings account

I moved across country on XX/XX/XXXX. By the XXXX or XXXX I realized I had been significantly overcharged by XXXX XXXX. I contacted them on the XXXX or XXXX and was told they would make an adjustment once truck was returned. I had a trailer, truck, and cargo van. I then contacted my bank and filed a dispute. I was given credit. Today Im sent a notice telling me Im minus almost XXXX in my account, when I look to see why it says that a credit requested by budget ( there were multiple ) was canceled. XXXX never refunded my money and they never contacted me about this. This is unacceptable and basically allowing someone to steal money from me!
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance : {$0.00}, XXXXXXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX Balance : {$16000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX. Amount : {$35000.00}. XX/XX/2022. I reached out to the company to have them correct the issue but it was to no avail. 

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 XXXX XXXXO 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 an account without my written instructions.

15 U.S.C 1692 Section 805 ( a ) States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 U.S.C 1692 Section 805 ( a ) Section XXXX States at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication.

15 U.S.C 1692 ( g ) section 809 states a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector.

15 U.S.C 1681 ( b ) 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.

15 U.S.C 1666 ( b ) states billing error.
Product: Mortgage

My closing costs have increased over $ 6k more than originally qouted when I started my loan. I filed a complaint about my 3 month closing time frame taking over 6 months and not being able to get in contact. They responded to the complaint quickly ( XXXX ) but now have taken over a month to get new paperwork to finally close. Once we got our new paperwork they increased our closing costs by over $ 6k compared to the paperwork last XXXX. Seems like they are holding me responsible for the time to close when they where nonresponsive for so long. 

My credit has now been run 3 times for this loan. The 3rd time on XX/XX/2021 without my authorization. This is now a hard spot to be in. They have dragged me on so long I can't go to a different company because of the recent increase in rates. I have been paying additional interest on a loan with a higher rate when I was suppose to be closed over 100 days ago. I am not sure at this point if my loan will close. This is such a waste of time to deal with company. I have not signed my documents because of the large increase in closing costs. I emailed everyone that I have dealt with on XXXX  XX/XX/XXXX quickly after receiving my new documents and have not received an answer. At this point I want my loan closed. I don't want them trying to up my fees to make up costs or running my credit again to find a way out. This is so time consuming and draining. Multiple credit pulls shows it is negatively affecting my score on my XXXX XXXX app. Hopefully someone at Penfed can figure this out since my last complaint says resolved but I am still experiencing the same issues with Penfed.
Product: Credit reporting or other personal consumer reports

I am a travel nurse. My caregiver for the past 19 months stole my identity and made purchases that I did not authorize at all. I did a police report and yet all 3 credit bureaus are reporting this information as mines.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XXXXXX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists 7 Separate fraudulent accounts appearing on my consumer FICO report which i do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a XXXX XXXX XXXX XXXX account opened : XX/XX/XXXX, under account number : XXXX, XXXX $ XXXX.These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

The Credit reporting agencies XXXX, XXXX, and Transunion gave out or sold my PERSONAL PRIVATE address which I ONLY UPDATED WITH THEM. 

NOBODY ELSE HAS THE ADDRESS and now, I am being harrassed by XXXX XXXX XXXX AT MY NEW ADDRESS. 

I WAS NEVER IN CONTRACT WITH XXXX XXXX XXXX  NOR DO I WISH TO BE IN ANY CONTRACT WITH SAID COMPANY. 
THEY RECEIVED SEVERAL CEASE AND DESIST LETTERS AND I HAVE TOLD XXXX, XXXX, AND TRANSUNION AND THEY CONTINUE COLLUDE TO CAUSE ME HARM.

15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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 s

even years. '' This account is an adverse item that needs to be deleted. THE FRAUDULENT COLLECTION ACCOUNT FROM XXXX XXXX NEEDS TO BE DELETED IMMEDIATELY. THERE IS NO NEED FOR YOU TO CONTACT THEM BECAUSE THEY HAVE NOTHING TO DO WITH THIS MATTER. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, Transunion, ( Furnisher of information to credit agencies ), whether it be verbal, non-verbal, written, implied or otherwise is revoked. 

I DO NOT CONSENT TO XXXX, XXXX, TRANSUNION SHARING MY INFORMATION WITH THIRD PARTIES.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to formally express my extreme frustration and disappointment with the consistently inaccurate information being reported on my credit profile by [ Experian/XXXX XXXX for the past year. Despite my persistent efforts to rectify these errors in accordance with my rights as a consumer under the Fair Credit Reporting Act ( 15 U.S.C 1681 ), it is disheartening to note that these issues remain unresolved.

Over the course of the past several months, I have repeatedly exercised my right to dispute the inaccuracies on my credit report, citing the provisions of 15 U.S.C 1681 as a reminder of your legal obligation to ensure the fairness of the information you disseminate. My disputes on all 5 accounts listed below ( In Addition to, an address I have no knowledge of nor have I lived at the address ), each backed by solid evidence of inaccuracies, have been submitted through certified mail and meticulously documented to ensure a clear and traceable record of communication.

Despite my adherence to the prescribed dispute process and the gravity of the matter, I have yet to witness any meaningful action taken by the companies listed to rectify these erroneous entries. It is disconcerting to realize that my diligent efforts to correct these inaccuracies, backed by the law, have been met with indifference.

Furthermore, I have discovered that my personal information has been shared without my consent to various third-party entities for financial benefit, a practice that appears to contradict both the principles of privacy and the standards set forth by the Fair Credit Reporting Act. The unauthorized sharing of my sensitive financial data raises serious concerns about my privacy and security, and it is essential that this practice is immediately ceased.

I want to emphasize that my intent is not to engage in a confrontational exchange but rather to assert my rights and seek a resolution that upholds the principles of fairness, transparency, and accuracy that the credit reporting system is built upon.

In light of the continued inaction and indifference to my plight, I am left with no choice but to escalate this matter. I expect an urgent and comprehensive response to this complaint, to rectify the inaccuracies on my credit report and ensure that my personal information is no longer shared without my explicit consent. Failure to address these concerns adequately will leave me with no alternative but to pursue legal avenues to protect my rights and seek appropriate compensation for the damages caused by these inaccuracies.

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX XXXX