23daVinci/CFPB_Complaints huggingface dataset:
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1981 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 card

A bank account and credit card were fraudulently opened in my name at Bank of America in XXXX of XXXX. I found out about the fraud in XXXX of XXXX. I filed a dispute with Bank of America and all 3 credit reporting agencies. Additionally I filed a report with CFPB ( Complaint ID XXXX ) however, I was out of the country while CFPB attempted to collect additional information for this complaint and was not able to provide the information on time. Even though this particular claim has been resolved, I have since discovered new fraud and would like to resubmit the original claim for historical tracking of the identity theft issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked XXXX TransUnion and XXXX to do a verification on everything that is listed on my credit report, they stated that everything is accurate. However, I did a thorough research and found inaccuracies on my credit report. 

The credit bureaus didn't do a proper investigation on my credit report. 

According to 15 USC 1681 section 602 A. States I have the right to privacy.

15 USC 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

Account XXXX should not be furnished on my credit report. 


Account Number XXXX Original Creditor XXXX XX/XX/2021 XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. My request for the correction and removable of the erroneous information about my inquiry has been diligently neglected by TransUnion. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiry is still on my reports. Therefore, TransUnion has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the inquiry that is still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

please delete the following accounts and inquiries. I tried to fixed it so many times. why still in my credit report please make an actinPlease remove it immediately or elso I will file a complaint. XXXX 's the lists XXXX XXXX XXXX XXXX. XXXX, XXXX {$XXXX} XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX {$XXXX} XXXX XXXX XXXX XXXX XXXX XXXX, XXXX {$XXXX} SPRING OAKS XXXX XXXX XXXX XXXX XXXX, XXXX {$XXXX} XXXX XXXX XXXX XXXX XXXX XXXX, XXXX {$XXXX} XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX SXXXX XXXX COMPA Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

Credence Resources Management XXXX. XXXX XXXX XXXX MI XXXX XXXX XXXX, XXXX. {$2700.00} XXXX XXXX I disputed this with the credit beaurea as the amount of money that is listed is not owed. I cancelled my XXXX as they were grossly over charging me monthly not according to the monthly agreement. I requested proof showing how and why this was owed from XXXX but never received anything. Now it has been listed with a collection agency and is damaging my credit.
Product: Checking or savings account

Re : Simple Bank I deposited a {$1000.00} check via mobile deposit on Friday, XX/XX/2019. The check was handwritten by an employee of my parent 's company. I have deposited checks with a larger value than this without issue. I have deposited checks from this same company without any issue. 

Most mobile deposits from Simple result in a next-day or two-day hold. This check had a five-day hold which resulted in an entire week without access to the check funds. 

I called Simple Bank to resolve the issue - which I believed was related to the check being handwritten ( i.e. thought to have been fraud ). 

Simple Bank does not allow any customers to speak to call center managers - as policy. Simple Bank  does not allow any customers to speak to their fraud department or anyone related to check deposits - as policy. 

My first support agent told me to cash my checks if I needed the fund quickly, which defeats the purpose of having a bank. The next agent told me that five days is standard for checks. 

I believe Simple Bank is misleading customers. They advertise via their website and XXXX   that checks are normally available next-day. Their support representatives tell customers that five-day holds are actually the standard turnaround time. 

I have had to put an entire week of financial transactions on hold for this issue.
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2018 - 30 DAYS LATE I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Debt collection

Called 7 times at XXXX every day since XX/XX/18. They do not leave a message. They are a company who buys 10+year debts. I have not received anything in the mail concerning this debt. The statue of limitations in the state of Michigan ( in which I am a resident and this business is located ) is 6 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have XXXX XXXX credit card. At the beginning of the pandemic I was laid off from my job and became homeless and lost my phone. During this time I fell behind on my credit card payments. I eventually regained my phone and a place to live. I spoke with XXXX XXXX over the phone and explained my situation and what happened due to the pandemic. They explained what they could do with extending payments and forbearance and so forth. The agent advised me that if I could come up with a minimum payment of {$25.00} that XXXX XXXX would remove the late payments from my credit report. I paid the money, however they have reneged on the agreement. I spoke with an agent yesterday and he expressed concern but said he couldn't do anything. He suggested I contact you guys.

I wa a victim of circumstance during pandemic, I caught up the payments and haven't fell behind since. This isn't right, they lied to me and are impacting my credit score greatly. I am unable to buy home due to this. Please make them make it right. Please.
Product: Credit card or prepaid card

Discover Card account ending in XXXX. This account has been in dispute since XXXX. I opened the account in XXXX paying for the additional Protection Plan. In XXXX, I experienced severe medical issue causing loss of employment, however I was able to initially use my Protection Plan Coverage for waiving the monthly payments until Discover decided not to allow additional use and stated that the program no longer applied. Subsequently offering a new payment arrangement plan to bring the account current. However, instead of honoring the arrangement my account was now a Collections account. In XX/XX/XXXX, I attempted to bring my account current to remove the collection status off my credit report, however was informed that the account was now Charged Off and would remain at this status regardless if it was paid off and that I would not be able to reuse the account upon satisfying the charge off. I continued to try to work with XXXX XXXX XXXX to correct this issue. In XX/XX/XXXX, a registered letter was mailed to Discover with a payment to make the payments to satisfy the collection and keep the account open. Discover did not immediate respond, however applied the payment to my account. In XX/XX/XXXX, I was offered a Settlement Agreement in the amount of {$4300.00}. I agreed to the settlement and begin additional payments totaling {$2700.00}. I received my updated credit report on XX/XX/XXXX and Discover sent to the Credit Reporting Agencies a " Closed Account '' status effective XX/XX/XXXX, while I am still making the settlement payments and causing my credit score to drop XXXX  points. Discover never stated that they would instantly report a " Closed Account '' status once I agreed to the settlement. I was informed since XXXX that the account was closed and charged off so why would they suddenly send to the Credit Reporting Agencies a Closed status affecting my credit score. I also have a letter from Discover dated XX/XX/XXXX, stating that " Discover is required to report the account to the Consumer Reporting Agencies as a disputed account until I advise them to remove the dispute status '' I HAVE NOT advised of any such removal of a dispute status. The account is still considered a dispute due to Discover not allowing me to use my Payment Protection Coverage that I paid into since XXXX during my employment loss causing my account to go into Charge Off status. I feel that this is an intentional wrong against me to affect my credit. I would really appreciate some legal assistance in this matter. I have attached the letters from Discover regarding the Correspondence " Disputed Account '' and the Account Settlement Agreement.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S.C 1681 Civil Liability for willful noncompliance. In general. Any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 
( b ) Civil liability for knowing noncompliance. Any person who obtains a consumer report from a consumer reporting agency under false pretenses XXXX XXXX # XXXX dates open XXXX  XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX Last active dates XXXX  XX/XX/XXXX, XXXX  XX/XX/XXXX, XX/XX/XXXX XXXX  XXXX # XXXX Balance trans {$780.00}, XXXX  {$800.00}, XXXX {$800.00}, Last report XXXX  XX/XX/XXXX, XXXX  XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX open date XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, Last reports XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, Last active XX/XX/XXXX, XXXX XX/XX/XXXX XXXX  # XXXX Last Reported XXXX  XX/XX/XXXX, XXXX  XX/XX/XXXX, XX/XX/XXXX, Last Active XX/XX/XXXX, XXXX  XX/XX/XXXX, XX/XX/XXXX XXXX XXXX  # XXXX Terms XXXX  XXXX, XXXX  XXXX XXXX Last Reported XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, Last Active XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX # XXXX Last Reported XXXX  XX/XX/XXXX last Active XXXX XX/XX/XXXX XXXX XXXX # XXXX Last Reported XXXX  XX/XX/XXXX, XXXX  XX/XX/XXXX XXXX XX/XX/XXXX, Last Active XXXX  XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX XXXX Total Violations.
Product: Debt collection

I sent a letter disputing the validity of this alleged debt on XX/XX/2022 and never got a response. Letter was sent certified mall. I have also, sent letter to cease and desist. Dear NCA, To Whom it May Concern ; This is in reference to the Consumer Report sent by your Company via email dated XX/XX/2022. While checking the above report, it came to my notice that your Company has furnished an account on my report. 

According to 15 USC 1692a ( 2 ), the term Communication means the conveying of information regarding a debt directly or indirectly to any person through any medium. 

As per the literal interpretation Any medium includes any oral, written, electronic, or other medium. Therefore, furnishing of the Consumer Report ( bearing information regarding the alleged debt ) by the Company will amount to Communication as per Fair Debt Collection Practices Act ( FDCPA ).

Pursuant to my rights as per 15 USC 1692c ( c ) I am hereby providing you formal notice to cease any further communications regarding this account immediately. This includes but not limited to telephone calls, emails, social media, or any Consumer Reporting Agency.

Any further contact by your Agent or Company, except a communication confirming your acknowledgment of this letter, is in violation of the Fair Debt Collection Practices Act ( FDCPA ). If you do not cease communication a lawsuit will be commenced against you. Thank you for your cooperation
Product: Mortgage

Caliber Mortgage LN XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX Today I received the attached letter from Caliber. They have requested an authorization in order to be able to speak to me regarding their refusal to follow Bankruptcy Law. I had to explain to them that the reason they do not have an authorization on file is because they DELETED ALL THE DOCUMENTS WE SUBMITTED FOR THE SHORT SALE. 

****THEY HAVE DELETED ALL THE DOCUMENTS WE HAVE SUBMITTED FOR THE SHORT SALE. 

This is a violation of federal AND state law. 

What else have they deleted and from how many client files??? What are they trying to hide??? 

Apparently Caliber feels they do not have to follow ANY type of laws whatsoever - not Bankruptcy Laws, not Federal Laws and not State Laws.
Product: Credit reporting or other personal consumer reports

I filed a dispute for an account listed as XXXX on my Experian credit report, as the account contains MULTIPLE METRO 2 CODE VIOLATIONS and does NOT meet The CDIA 's CRRG. Instead of removing the account, Experian made no changes, and resolved the dispute. I have since reopened another dispute. Along with this complaint, I will be providing a report outlining ALL the reporting code violations associated with this account. I demand this account be deleted due to non compliance, and inaccurate reporting. As you will see in the report, there are SEVERAL inaccuracies reported across ALL 3 bureaus on this account. This is NOT IN COMPLIANCE WITH REPORTING GUIDELINES AND STANDARDS AND THIS ACCOUNT MUST BE REMOVED. My next contact with XXXX will be a formal letter of notification of my intent to take legal action, known as a XXXX notice. To be clear, you must demonstrate full compliance with all requirements and standards of FCRA and CDIA 's Metro2 Compliance mandates. I demand this account be deleted from my report.
Product: Money transfer, virtual currency, or money service

I am writing to you from XXXX. My name is XXXX. I am writing because of the problem I have with the cryptocurrency exchange known as Coinlist. Customer service has not returned to me for 10 days. The company seems to be in California. I tried many communication ways but no result. To which e-mail address or organization can I complain about this problem? I will be glad if you help me. 
Best regards.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not give TransUnion oral or written permission to furnish this information on my consumer report. This has caused undue stress upon me and as a XXXX, I have medical conditions that can be triggered by stress.
Product: Vehicle loan or lease

The only payment that Ally Bank has reported correctly was the first payment. EVERY payment since then has taken months to report if it ever does and is incorrect balance. Multiple phone calls/emails to customer service only yield a foreign CSR " explaining how credit works '' and no changes. An incorrect update was pushed out by an executive in customer relations named " XXXX '' in XXXX but then no new data posted for months to any bureau. Over the past 2 days I have received credit monitoring alerts that my loan balance increased by over {$200.00}. At no time have I missed a payment and I always pay MORE than the amount due. ALLY blames the credit bureaus ( though all show the same incorrect information ) and the bureaus blame ALLY. I as the consumer am stuck in the middle and despite producing statements that are accurate ALLY refuses to report correctly to the bureaus impacting my credit score ( s ) negatively on a monthly basis. The infuriating part is if I were to miss a payment that they would report within minutes. A search of the internet reveals that this is not an isolated problem with ALLY and occurs for almost every customer across the board. How can I get my credit files correctly reported and cleaned up?
Product: Debt collection

Alliance One sent a letter to me dated XXXX/XXXX/15 but I did not receive the letter by mail until XXXX/XXXX/15 which was past the 30 day time frame to dispute the debt. I did have an attorney sent a letter dated XXXX/XXXX/15 which I have a copy of the dispute, I never received anything for the company at all. I have a right to know that information if they want me to pay anything. The attorney advised me that Alliance One is suppose to send me something, the letter was dated XXXX/XXXX/15 but I did not receive by mail until the next month which is illegal. I checked the envelope and there is not a date on it, an attorney asked me that this company is known for doing things like this due to the number of complaints against this company, the amount shown on the bill is {$98.00}, therefore not likely for the company to take legal action against me. Even as of today, I did not receive the validation of debt which I am entitled to by law and this company ca n't mark my credit without sending the validation of debt to me. I could bet fired from my job if I have a collection item on my credit. Alliance One violated my rights when they knowlingly mailed out the letter after the 30 days which is against the law. The attorney I spoke with told me to file a complaint with the CFPB because this illegal not to send me the validation of debt after I requested it.
Product: Credit reporting or other personal consumer reports

This morning, I was shocked to see inaccurate accounts on my credit report, and I have no idea how they got there. I checked it like I normally do, but this time there were unexpected discrepancies. I even tried refreshing the browser, thinking it might be a technical issue, but the errors remained. Im really upset by this and would like the documents Ive sent to be carefully reviewed so I can stop worrying about it.
Product: Credit reporting or other personal consumer reports

I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code
1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code XXXX holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action. 


XXXX Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and FCRA 605B ( Identity Theft Claims ). These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.

DELETE THIS ACCOUNTS IN MY CREDIT REPORT IMMEDIATELY!