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

Dear sir, Recently, I received a letter from your companys branch office addressed XXXX XXXX XXXX, XXXX, FL XXXX ; even though it envelops suggested the different po box number address : Bank of America , XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX . The letter indicated that I reported something with my Bank card ending XXXX as a request, even though I never reported and requested on it. Since I felt the strong will and necessity, I called the telephone number written on the sheet, XXXX, and I could not reach anybody. There was no sound another sound ; therefore, I will report to the federal. 

Sincerely,
Product: Mortgage

1. Opened a HELOC in XXXX, XXXX. Never missed a payment 2.Opened another HELOC in XXXX, same Bank ( Truist ), {$110000.00}. in XXXX. After 7 months they told us we need to pay of the remaining balance from the first loan for XXXX which they already gave us a Disbursement letter that they paid it off. We would not have accepted that if they told us we had to pay that off before we could get another loan. 
3. So now they have put that on a revolving option loan and the interest keeps going up. Our loan payment from he XXXX was fixed at {$630.00} and now we have to pay XXXX was our last payment. 
4. They gave us a XXXX XXXX. Acct which has XXXX and we have a line of credit for XXXX that we are supposed to be able to draw from but they have frozen both accounts. We did not create and They won/t do anything about it. My husband just had to retire due to XXXX and we are in our XXXX 's. This is just not right.
Product: Credit reporting or other personal consumer reports

XXXX, TransUnion, and XXXX have illegally obtained information about my bankruptcy and inaccurately reported it on my credit profile. I have documentation from the bankruptcy court explicitly confirming that they did not share this information with any credit bureaus, yet it is being reported on my credit file as of XX/XX/year>. This false reporting has severely impacted my ability to obtain credit, as lenders rely on the information provided by these credit bureaus to assess my creditworthiness. The presence of an improperly reported bankruptcy has led to declined credit applications, higher interest rates, and damage to my financial reputation, despite the courts verification that no such disclosure was authorized or made.
Product: Payday loan, title loan, or personal loan

On XXXX, Paypal offers all sorts of payment options - this is normal, and they are owned by the same company. I was offered PayPal Credit on an item with 12 and 24 month terms, 0 % interest, for the item plus tax with a box to apply. When I applied I was told I had an account I could use, with not other information provided. This was all within the item for purchase XXXX $ XXXX for 24 months was offered ). After winning the item, PayPal would nt process the PayPal credit option and directed me to Synchrony bank who will now only offer up to {$3500.00} and will not allow partial payment. So - now I am stuck with an item for {$4900.00} and have to come up with some way to pay this - none of these merchants - XXXX PayPal, or PayPal Credit ( Synchrony ) - would honor the terms or resolve the issue in some other way. XXXX told me I could contact the seller and tell them XXXX policies prevent the transaction, but, would not do so on my behalf leaving me ultimately liable. They also said they would report internally the misleading offers - but would not provide me the details, only a ticket number read over the phone. This is classis Bait and Switch - offer something, decline terms, buyer is still responsible for the item.
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. 

Account name : XXXX XXXX XXXX XXXX Account # XXXX Account name : XXXX XXXX Account # : XXXX Account name : XXXX XXXX XXXX Account # : XXXX Account name : US DEPT OF EDXXXX Account # XXXX Account name : XXXX XXXX XXXX XXXX Account # XXXX Account name : XXXX XXXX XXXX Account # XXXX Account name : DEPT OF EDUCATIONXXXX 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 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

It's been a struggle getting through all of this, so I'm making this CFPB complaint to ask the credit reporting companies to totally remove the disputed fraudulent accounts and information from my credit file. How many times do I need to notify the credit bureaus that I was a victim of identity theft and that the accounts I'm disputing were the consequence of the crime? In order to rectify my credit file, I've been requesting from the credit bureaus to take away the disputed items. If the credit bureaus assert that the disputed items are mine, they should also send me copies of their verification. But I've been disappointed with the Credit Bureaus since they haven't sent me copies of the documentation I have. The Credit Bureaus, however, have let me down and have not sent me copies of the information I have requested from them. Also, I have been sending letters of disagreement to the credit bureaus, along with entire identification proof documents and an Identity Theft Report I obtained from the FTC. This CFPB complaint is a follow-up to the one I previously filed with the bureau, and I'm asking the credit reporting agencies to take down the disputed entries before I have to resort to legal action. Please fully delete the following entries from my credit file : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of fraudulent accounts and inquiries appearing on my credit report due to my involvement in a recent data breach. Pursuant to the Fair Credit Reporting Act ( FCRA ) 605 ( b ) and 15 U.S.C. 1681c-2 ( a ), I am asserting my rights as a victim of identity theft and demanding that the following accounts and inquiries be permanently removed from my credit file : Fraudulent Account : XXXX XXXX XXXX - Account No. : XXXX Open Date : XX/XX/XXXX | Balance : {$0.00} Fraudulent Inquiries : 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 XXXXXX/XX/XXXX
Product: Checking or savings account

When I discovered that my credit card had been used without my permission I requested XXXX XXXX by XXXX out of XXXX XXXX California to investigate the matter and reissue me a card replacement card. They did credit my account in the amount of {$180.00} but all they did was make my account inactive not allowing me to order a new card or pay any bills or conduct any other transactions out of an account that is flagged as inactive. I then email them and ask them to close my account and send me a check for any remaining funds to know avail.
Product: Credit reporting or other personal consumer reports

I reviewed my consumer report and notice inaccurate Personal information on the file. The inaccurate information needs to be updated and remove all information that is incorrect. 
Remember the Maximum Accuracy Under the FCRA.
Product: Credit card

My credit card is through capital one, and this involves a transaction with XXXX. 

On XX/XX/XXXX, I placed an order from {$63.00} for food delivery from XXXX using my card. The food was not delivered and I have documentation of that. XXXX would not refund the money, however. 

On XX/XX/XXXX, {$63.00}, my card was charged I disputed the charge and capital one credited that amount back to me on XX/XX/2023. The dispute was resolved in my favor because, I was told, XXXX did not respond to capital one. 

On XX/XX/2023, my card was charged {$63.00} by XXXX again. I did not order anything for that amount and did not receive any food or services for that amount. I did not approve that transaction. 

I disputed that transaction, but Capital One just contacted me saying they received from XXXX " documentation '' of the transaction. I am submitting to Capital One my order history showing I did not order anything on that date. However, I am concerned about the fact that XXXX submitted documentation to Capital One that is fraudulent. The Capital One support agent said that XXXX sent them a receipt of the transaction, which did not occur.
Product: Money transfer, virtual currency, or money service

Incident Date XX/XX/XXXX es* card was in mv possession at the time of the incident, While I was asleep the funds that was added to my card, from my employer was stolen from my account. Idid not authorize no one to remove money from my account. Per XXXX of money network 's employees this information was disclose to me he said, and Iquote, " the charges are XXXX another state ''. There for Iwas not physically able to make these charges. Also the times of these charges are inaccurate for these charges, was done between the time my employer loaded my Pay on this card. The charges are as followed, Post Date Amount Merchant XXXX XXXX ADD XXXX XXXX* ADD XX/XX/XXXX XX/XX/XXXX {$20.00} {$20.00} XX/XX/XXXX {$20.00} XXXX XXXX ADD XX/XX/XXXX {$20.00} XXXX XXXX ADD XX/XX/XXXX {$20.00} XXXX XXXX ADD XX/XX/XXXX {$20.00} XXXX XXXX ADD XX/XX/XXXX {$20.00} XXXX XXXX  ADD XX/XX/XXXX {$20.00} XX/XX/XXXX {$30.00} XX/XX/XXXX {$22.00} XX/XX/XXXX {$22.00} XXXX XXXX ADD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ADD XXXX XXXX ADD
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters to XXXX, XXXX and XXXX about these false negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. XXXX XXXX XXXX is the company that is reporting to XXXX and XXXX, as well as, TARGET/TD is alsoreporting falsely. They removed some reports from XXXX but they were not able to remove it from XXXX and XXXX. These report is misleading and suspicious. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person. These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( XXXX ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( XXXX ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The XXXX Data XXXX Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( XXXX ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction.

Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me.

Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681.
Product: Credit card or prepaid card

I have four credit accounts through XXXX XXXX   which has continuously lowered available credit amounts, and ultimately affecting my credit score. I received a letter from them stating that based on my credit report they are closing one of the cards I have with them .... that has been paid off for months. This company contributes to poor credit ratings of consumers by continuously lowering available credit limits which looks bad on credit reports and closes accounts that are paid off.
Product: Credit reporting or other personal consumer reports

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 As outlined in 15 U.S.C . 1681, I believe the following provisions have been violated : Section 602 ( a ) : I have the right to privacy and confidentiality regarding my credit information, which has not been respected.

Section 604 ( a ) ( 2 ) : Consumer reporting agencies are prohibited from furnishing an account without my written consent or instructions. This provision has not been followed in my case.

Section 1681c ( a ) ( 5 ) : No consumer report should contain any adverse information that predates the report by more than seven years, which I believe applies to some of the information listed.

Section 1681s-2 ( a ) ( 1 ) : A person shall not furnish inaccurate information to any consumer reporting agency if they know or have reasonable cause to believe the information is inaccurate. The information regarding Convergent Account # XXXX  is false and should be removed.
Product: Credit reporting or other personal consumer reports

It is absolutely bothering me to see inquiries on my credit report which I do not recognize, this is definitely stressing me out and making me anxious wondering how and why can this happen. I am fully aware of the things I apply for and these companies - I never authorized these nor given consent to them to pull up my credit report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, NY, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Subject : Credit Report Dispute Inaccurate Collection Account Reporting Dear XXXX, I am writing to dispute inaccurate information that appears on my credit report. The account in question is : Creditor Name : Midland Credit Management Original Creditor : XXXX XXXX Bank XXXX XXXX. 
Account Number : XXXX Balance Reported : {$4100.00} Status : Collection Account Upon reviewing my credit report, I identified factual errors that must be corrected : 1.Inaccurate Status Updated Date vs. Continuous Reporting : The report states that the accounts status was last updated in XX/XX/XXXX, yet the payment history continues to report delinquency through XX/XX/XXXX. If the account was last updated in XXXX, then it should not be reflecting ongoing monthly delinquency. This suggests re-aging, which violates the Fair Credit Reporting Act ( FCRA ). 
2.Repeated Collection Reporting Extending the Negative Impact : The payment history incorrectly reflects a collection status every month from XX/XX/XXXX through XX/XX/XXXX. This kind of repeated reporting makes it appear as though new delinquencies are occurring, when in reality, this account was already in. 

These inaccuracies are misleading and negatively impact my credit. I request that XXXX investigate this account, and if the creditor can not verify accurate reporting, I request that the account be corrected or removed from my credit report. 

Please provide a written response with the results of your investigation within the time required under the FCRA. 

Thank you for your immediate attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ), CA ACCTS SVC ( Original Creditor : XXXX XXXX XXXX XXXX ), and XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ). I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ), CA ACCTS SVC ( Original Creditor : XXXX XXXX XXXX XXXX ), and XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) with no successful resolution. There was definitely an error on their part.
Product: Consumer Loan

Ally Bank had an account for my XX/XX/XXXX XXXX XXXX. The lease was paid off in late XX/XX/XXXX but the dealership never sent Ally Auto Financing a check due to a termination of an employee or something like that. I was on the phone with an executive account manager from Ally from Florida for a week. Finally the dealership sent her the check and the account was alleged to be paid in full. When I log on to my old Ally account in fact there is nothing there -- -. But. A recent check with XXXX XXXX shows that I still have an account with Ally for $ XXXX. XXXX?
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 rights to privacy and confidentiatity under 15USC 1681. 

ACCOUNTS : XXXX Account # XXXX XXXX XXXXXXXX XXXX XXXX Account # XXXX XXXXXXXX XXXX Account # XXXXXXXX XXXX  Account # XXXXXXXX XXXX Account # XXXX 15USC 1681 Section A States I have the right to privacy.

15 Usc 1681 Section 604 A consumer reporting agency can not furnish a a ccount without my written instructions.

15 USC 1681a-Definitions ; rules of construction ( 2 ) Exclusions.- Except as provided in paragraph ( 3 ), the term consumer report does not include- ( A ) subject to section 1681s-3 of this title, any- ( i ) report containing. information solely as to transactions or experiences between the consumer and the person making the report ; 15 USC 1666 b ( a ) Time to make payments. A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) NOTICE REQUIREMENTS Except as otherwise provided in this subchapter, afinancial institutionmay not, directly or through anyaffiliate, disclose to anonaffiliated third partyanynonpublic personal information, unless suchfinancial institutionprovides or has provided to theconsumera notice that complies withsection 6803 of this title.

( b ) OPT OUT ( 1 ) IN GENERAL Afinancial institutionmay not disclosenonpublic personal informationto anonaffiliated third partyunless ( A ) suchfinancial institutionclearly and conspicuously discloses to theconsumer, in writing or in electronic form or other form permitted by the regulations prescribed undersection 6804 of this title, that such information may be disclosed to such third party ; ( B ) theconsumeris given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) theconsumeris given an explanation of how theconsumercan exercise that nondisclosure option.

Also they are'nt even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXDEPT OF ED account XXXX In accordance with the Fair Credit Reporting act 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Mortgage

I would just like to make this bureau aware that I have successfully changed loan servicing from XXXX XXXX to SPS Servicing. The account being on escrow along with XXXX XXXX has cheated me of thousands of dollars per tbe XXXX XXXX XXXXXXXX as my investor etc etc It is with with my intent to close the escrow account requirement from my mortgage with Select Portfolio Servicing Inc at this time. I have asked that they credit back the Itemization Interest Calculated and Escrow/ Impound Advance Balance. I have duely paid my house insurance for the year as well as sewer/water have been paid in full for the year. I also have attempted to pay my house taxes, however payment was returned because the due date is after XX/XX/2021. This request is very important to me, due to a chronic illness of XXXX XXXX my eldest daughter is experiencing, the revenue interruptions caused by the pandemic, along with my fixed income coupled with a part time business. I really look forward to this company honoring my request during this pandemic.
Product: Credit card or prepaid card

There is substantial documentation uploaded. Please review. In summary, First Progress has not been responsive in my investigation regarding a former friend ( XXXX XXXX ) somehow getting away with opening a secured line of credit and charging my bank account for it. I never authorized paying {$200.00} to fund her a secure line of credit or the {$39.00} additional payment made on my XXXX XXXX XXXX XXXX account. I have subsequently closed the XXXX checking account ( due to suspected fraud, nevertheless ) ; but it appears that charges were made on XXXX 's behalf from both my XXXX XXXX XXXX XXXX account and my XXXX account. XXXX XXXX is investigating this as well, and I have recently sent a request to XXXX  bank to investigate as well. However, First Progress has not been responsive, and this is a serious manner.
Product: Checking or savings account

I had two transactions that were disputed that were also reversed which resulted in my account being negative and restricted because it was past 56 days negative. I've provided the proof for these accounts one was XXXX XXXX which was a closed account due to fraud/stolen device so I disputed the charge associated with this account and also sent the email confirmation from XXXX representative stating this account was closed and reported as theft. I still haven't seen my credit given back for the reversal of my original dispute. And the other was for a XXXX hold that never dropped from my account. The general manager had indicated that charge should fall off but it never did. Claim XXXX and XXXX XXXX XXXX Charges currently in dispute Claim XXXX. Capital One is refusing to approve these claims despite me providing the correspondence I had with both of the merchants. I don't know what else to do. The customer service reps are refusing to acknowledge these unauthorized/fraud transactions.
Product: Debt collection

I rented an office 3 years ago. My contract said I could work daily from virtual office launch area but the truth was they had no place for me to work from. The contract was cancel for wrong disclosure. The account was closed with the manger. Now I am getting the same bill via email from a collection agency.